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-- .~ 4 MILSTEAD & ASSOCIATES, LLC BY: Patrick J. Wesner, Esquire ID No. 203145 220 Lake Drive East, Suite 301 Cherry Hill, NJ 08002 (856) 482-1400 GMAC Mortgage, LLC f/Wa GMAC Mortgage Corporation 1100 Virginia Drive Fort Washington, PA 19034, Vs. Plaintiff, Donald E. Bryson a/k/a Donald Eugene Bryson 111 Valley View Dr. Mechanicsburg, PA 17050, and Rebecca A. Bryson a/k/a Rebecca Ann Bryson 111 Valley View Dr. Mechanicsburg, PA 17050, Defendants. Attorney for Plaintiff File: 7.23025 COURT OF COMMON PLEAS CUMBERLAND COUNTY wi! l~ No.: Ja? -(090(0 ~j ~ rn1 CIVIL ACTION MORTGAGE FORECLOSURE c Z ~ -mac ~~= ~, ,.' ~ r-z w ~ n c:~ ~• ~ ~ ~~> ~ rte, Q ~ ~ 103.75 Po Ar~J ~~'9s~~a I~,'~aea9g3 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 so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ON AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 717-249-3166 NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICES ACT 1. This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 2. Unless you dispute the validity of this debt, or any portion thereof, within 30 days after receipt of this notice, the debt will be assumed to be valid by our offices. 3. If you notify our offices in writing within 30 days of receipt of this notice that the debt, or any portion thereof, is disputed, our offices will provide you with verification of the debt or copy of the Judgment against you, and a copy of such verification or judgment will be mailed to you by our offices. f MILSTEAD & ASSOCIATES, LLC BY: Patrick J. Wesner, Esquire ID No. 203145 220 Lake Drive East, Suite 301 Cherry Hill, NJ 08002 (856) 482-1400 GMAC Mortgage, LLC f/Wa GMAC Mortgage Corporation 1100 Virginia Drive Fort Washington, PA 19034, Plaintiff, Vs. Donald E. Bryson a/k!a Donald Eugene Bryson 111 Valley View Dr. Mechanicsburg, PA 17050, and Rebecca A. Bryson a/k/a Rebecca Ann Bryson 111 Valley View Dr. Mechanicsburg, PA 17050, Defendants. Attorney for Plaintiff COURT OF COMMON PLEAS CUMBERLAND COUNTY No.. CIVIL ACTION MORTGAGE FORECLOSURE COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff, GMAC Mortgage, LLC f/k/a GMAC Mortgage Corporation (the "Plaintiff'), is registered to conduct business in the Commonwealth of Pennsylvania and having an office and place of business at 1100 Virginia Drive, Fort Washington, PA 19034. 2. Defendants, Donald E. Bryson and Rebecca A. Bryson, (collectively, the "Defendants"), are adult individuals and aze the real owners of the premises hereinafter described by virtue of a Deed dated March 2, 1994, recorded March 7, 1994 in Deed Book 102, Page 336. The Deed is attached hereto as Exhibit "A" and made a part hereof. 3. Defendant Donald E. Bryson, upon information and belief, resides at 111 Valley View Dr., Mechanicsburg, PA 17050. Defendant Rebecca A. Bryson, upon information and belief, resides at 111 Valley View Dr., Mechanicsburg, PA 17050. 4. On March 2, 1994, in consideration of a loan in the principal amount of $82,SS4.00, the Defendants executed and delivered to Bancplus Mortgage Corp. a note (the "Note") with interest thereon at 6.500 percent per annum, payable as to the principal and interest in equal monthly installments of $521.80 commencing April 1, 1994. The Note is attached hereto as Exhibit "B" and made a part hereof. S. To secure the obligations under the Note, the Defendants executed and delivered to Bancplus Mortgage Corp. a mortgage (the "Mortgage") dated March 2, 1994, recorded on March 7, 1994 in the Department of Records in and for the County of Cumberland under Mortgage Book 1199, Page 845. The Mortgage is attached hereto as Exhibit "C" and made a part hereof 6. Plaintiff is proper party Plaintiff by way of an Assignment of Mortgage recorded December 23, 1999 in Book 634, Page 364. The recorded Assignment of Mortgage chain is attached hereto as Exhibit "D" and made a part hereof. 7. The Mortgage secures the following real property (the "Mortgaged Premises"): 279 Susquehanna Ave., Enola, PA 17025. A legal description of the Mortgaged Premises is attached hereto as Exhibit "E" and made a part hereof. 8. The Defendants are in default of their obligations pursuant to the Note and Mortgage because payments of principal and interest due June 1, 2012, and monthly thereafter are due and have not been paid, whereby the whole balance of principal and all interest due thereon have become due and payable forthwith together with late charges, escrow deficit (if any) and costs of collection including title search fees and reasonable attorney's fees. 9. The following amounts are due on the Mortgage and Note: Principal Balance ......................................$50,037.41 Accrued but Unpaid Interest from 5/1/12 to 10/4/12 ........................... Accrued Late Charges .................. Uncollected Late Charges ............. Unapplied Funds ........................... Escrow Surplus ............................. TOTAL as of 10/04/2012 ............$1,626.24 ...............$115.88 ............... $203.53 ............. $(235.77) ............. $(148.47) .$51,598.82 Plus, the following amounts accrued after October 4, 2012; Interest at the Rate of 6.500 percent per annum ($9.03 per diem). 10. Plaintiff has fully complied with Section 403 of Act No. 6, 41 P.S. § 403, known as the Loan Interest Protection Law by mailing to the Defendants at 279 Susquehanna Ave., Enola, PA 17025, as well as to the address of residence listed in paragraph 3 of this document on August 2, 2012, the Notice pursuant to Act No. 6 and the applicable time periods have expired. The Act Notices are attached hereto as Exhibit "F" and made a part hereof. WHEREFORE, Plaintiff demands an in rem judgment against the Defendants for foreclosure and sale of the Mortgaged Premises in the amount due as set forth in paragraph 9, namely, $51,598.82, plus the following amounts accruing after October 4, 2012, to the date of judgment: (a) interest of $9.03 per day, (b) plus interest at the legal rate allowed on judgments after the date of judgment, (c) additional attorney's fees (if any) hereafter incurred, (d) and costs of suit. Date: ( `~ t MILSTEAD LLC Attorney for Duane Thompson VERIFICATION hereby states that he/she is Authorized Officer of GMAC Mortgage, LLC, Plaintiff in this matter, that he/she is authorized to make this Verification, and verify that the statements made in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of his/her knowledge, information and belief. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. Name: Di1Rne O psOn Title: Authorized Officer Exhibit "A" 1 r~a.e~..a...y+_n. ~n~~ ~` ~ ' THIS DEED HADE THE Z ~ nay of ~7~/~L~ in the year of our Lord one thousand nine hundred nia ety-font (1994}_ BETWEEN Nrra.7nw C_ HCDONALD, nnremarried widower, Grantor, and DONALD E_ SITYSON and REBECCA A_ BRTSON, hie wife, Grantees, WITNESSETH, that in consideration of EIGHTY TAO THODSAND and NO/100--- ----"----------- (S82 , 000 _ 00 ------------------Dollars , is hand paid, the receipt whereof is hereby acknowledged, the said Grantor dxs hereby grant and convey to the said Gzanteea, their heirs and assigns, ~~ ALL THAT CHR'Pnrw lot of land aitoate in the Township of East '~.., Yennsboro, County of Cus~berlaad and State of Pennsylvania, being sore ' particularly bounded and described as follows, to wit: BEGINNING at a point oa the East aide of Hyomiag Avenue at the southern extremity of the arc or curve hnvinq a radius of 1D feet connecting the Bast side of Wyosuag Bvenae and the South side of Susquehanna Avenue; thence Northcaatmardly by the said arc or curve having a radius of 10 feet, 15.781 feat to a point on the South side o£ Susgaehaaaa Avenue at the northern eztresii.tp of said arc or curve, thence along the southern line of Susquehanna Avenue, North 79 degrees 40 sdnntss HaaE 50 feet to a point at the corner of lands now or late of Joseph Eiohel; thence by said Iands South 10 degrees 20 xinutes Ea:t 152 feet to a point, thence South 79 degrees 40 suautee Reet 60 feet to a point et the east Sidc of Ryosiaq Avenue; tbeoce nlong the East Bide of Rpos~inq Avenue North 10 degrees 2D ninotea Weat 142 feet to the point and plnee of HHGIIiNING. HAVING thereon erected preeuaes known as No_ 279 Susquehanna Avenoe_ -1- .~ tai ~~f gas HBING THB SA!!8 PRBMISSS which Raymond lf. Bare and Joyce Lee Hare, his wife, by their deed dated June 11, 1973 end recorded Juno 19, 1973 in n,r.erland County heed Book P, Voluse 25, Page 315, granted and conveyed unto Hilliam C. McDonald and Mary P. tcDonald. The said Mari P. McDonald died on Mai 30, 1491 and by operation of lar, title vested in her surviving spouse, pillian C. HcDonald, Crantor herein. g, °aS°v _ - ~ ,°.. .n . .. a ~~ o }}~(( W Q .• N S 1 GS O ~~~ A11D the said Grantor hereby covenants and agrees that be will war=ant specially the property hereby conveyed. -2- nooix X02 rep 337. 3 i IN AITNESS WREREOF, said Grantor hm hereunto set his hand and seal the day and year first above written. Sigaed, ed, aad Dellverad i. the Presence of D~ Zti ~~ ~' ~~ ~~ (sgAy) WILL7ax C. HcDONALD COM!lDNwEI-LTH OF PENNSYLDAISIA: D~11~}~~ ss e COIINTy OP 6{8gtp ~~ 'JJ : ~, On this, the a•11~1 day of _ ~~~L-_, 1994, before me the undersigned officer, a Notary Poblic, personally appeared WI.LLZAN C. HcDONALO, known to me (or satisfactorily proven) to be the person whose name is subscribed to the within instrsmeat, a~ acknowledged that he executed the same for the purposes therein coatained_ IN WITNESS WABREOP, I have hereunto sat uy hand and official seal the day and y'-- first above writtea_ a N a' T C ~ ~ S W W ~ O W Z ~f U C O N ~ U ~ O ~ p 4 N 0= J m ~ ~ O Gl W ~ o _ W m E v m -3- eooK iQ2 ram 338 ~= I do hereby certify that the office addres ~~ J_he `7ithln e, 7crCa, P 176a ` DA26D: 3 ]a~9~ i - _ .. _ ..--i-----..~~,. ---:. . _- ' I ae reeideac~ and complete post teas is: 1. . ~ .~ COlQSONWHEaL'IH OF PHNNS]CLVAHIA: j SS: COIRiTY OP CDttArtar.aaD ~y, 4 RBCORDHD oa this ~ day of 1 `t~( C ,Y~ ~ A_ D _ 1994, in the Recorder's Office of the said Connty,i in Dead gook bZ , voh..,o - P Given under my hand a above vritten_ -4- soot i~[12 -~ 339 i Exhibit "B" ~. n~oTE STATE OF PENNSYLVANIA f~ DATE MARCH 02, t494 FHA Case No/ 441-482466-4-703 LOAN !l: 1D848364 279 SUSQUEHANNA AVENUE , ENOLA, PA 1~ Property Address t PARTIES "Borrowers means each person signing the end . of this Note, Bard the person's successors and assigns. lender` means BAUS MORTGAGE CORP, whose address is 9601 MCALLISTER FREEWAY, SAN ANTOI O, TX 78216 and Its successors and asslgns_ 2 BORROWER'S PROMISE TO PAY; INTEREST in rotum for a loan received from Lender,- Borrower promises to psy the prlnclp~ sum ot ----------------- ------ ----------------------------- EI[i~ITY TNO THOUSAND FI E HUNDRED FIFTV FOUR AND NOJ100----------- DoNars N.S. !82 554.00 ----), plus Interest; to the order of Lender. Interest will be charged on unpaid pwindpd, from . the date of disbursement of the loan proceeds by Lendx, at the rate of -- --------------------------------------------- SIX AND ONE HALF ------------------------------------------ per cent ( 6.500-- - 71.1 per year until. the full amount of nrlnclcnl has hn.n .,.r.r T- _ _ __- -__ __ r ____.~_. ..-_ _~.. ~....... 3. PROMISE TO PAY SECURED Borrower's promise to pay Is secured by a mortgage, deed of trust or similar security Instrument that Is dated the same date as this Note and called the `Security Instrument' That Security Instrument protects iha Lender from losses which might rasuft if Borrower defsults under this Note_ 4. MANNER OF PAYMENT a. Tlme~ Borrower shall make a payment of prlncl and interest to Lender on the first day of each month beginning on APR L /1994 .Any paincipal and Interest remaining on the first day of MARCH ! 2024 ,will be due on that date, which Is called the 'Maturity Date' b. Place Payment shall ba made at 9601 MCAL TER FREEWAY SAN ANTONIO TX 7$216 or at such other place ss Lender may designate in wrlUng by notice to Bo war. c. Amamt Each montMy payment of psi and interest will be In the amount of ------ F(VE HUNDRED TiNENTY AND 80/100------------------------ Dollars ts521.80-____ ___ )_ This amount wIN be part of a larger monthly FHA Multistate Fixed Rate Note - /91 L908 07193 Page 1 of 3 payment required by the Security Instrument, that shall ba applied to principal, Interest and other !tams In the order described in the Security Instrument d. A1lorga to this Note for payment adpstmerrts If en allonge providing for payment ed}ustments Is executed by Borrower t together with this Note, the covenants of the allonge shall be Incorporated Into and shall upend and supplement the covenants of this Note as [f the allonga were a part of this Note. (Check applicable box) ^ Graduated Payment Allonage ^ Growing Equity Atlonage ^ t~har tSpedfy) i 6_ BORROWER'S RIGHT TO PREPAY ! Borrower has the right to pay the debt evidenced by this Note, In whole or In part without charge or penalty, on the first day of any month. 6. BORRO1NHi'S FAILURE TO PAY a_ Lane Chsr~ far Overdue Payments If Lender has not received the full monthly payment required by the Security Instrument as described In Par ra ag ph 4(G7 of this Note„by the end of fifteen calendar days after the payment is tide, Lender may c~act a Iste charge In the i amount of tour --------- 1 -- percent (~00 ----------lG) of the overdue amount of each payment b. Default If Borrower defaults by fslHng to pay In full any monthly paymetrs;, then Lender ~ may, except as limited by regulstibns of the Secretary in the case of payment ~ defudts, requlro Immediate payment In full of the principal balance remaining due and ap accrued Interest Lender may choose not to exercise this option without waiving Its rights In the event of any subsequent default In many circumstances regulstions Issued by the Secrotuy will limit Lender's rights to require Immediate psymant In full in the cue of payment defaults. This Note does not authorize acceleratlon when not permitted by HUD regulations. As used In this Note, 'Secretary' means the Secretary of Housing and Urban Development or his or her designee. i i c. Payment of Costs and Expenses If Lender has required Immediate payment In full, as described above, Lender may requlro Borrower to pay costs and expenses lndud~g reasonable and customary attorneys fees for enfordng this Note. Such fees and costs shall boar Interest ' from the date of disbursement at the same rate ss the prlndpal of this Note. 7. WAIVERS Borrower and any other person who hss obligations under this Note waive the rights of pressMrnent and notice of dishonor. 'Presentment' means the right to require lender to demand payment of amounts due. 'Notice of dishonor' means the right to require Lender to glue notice to other parsons that amounts due have not been paid. FHA tiAultistate F[xed Rate Note - 2/91 L908 07/93 Pege 2 of 3 1 i >;. GiY1NG Of NOTICES Uniass applicsble law rec~kes a different method, any notice that must be given to Borrower under this Note wIN be given by delivering ft or by mailing It by first clgi:•etitM;:~:' to Borrower st the property address above or of a different address"If Borrower has given Lender a notice of Borrower's dlNererrt address. Any notice that must 6e given to Lender under this Note will be given by first doss ms1 to Lender aR the address stated in Parpraph 4{Bl ar at a different address If Borrower Is given a notice of that different address. 9. OBLIGATIONS OF PERSONS UNDER THIS NOTE if more than one person signs this Note, each person is fully and personally obligated to keep eN of the promises msde In this Note, Including the promise to pay the full amount owed. Any person who Is a guarantor, surety or endorser of this Note Is also obYgated to do these things. Any person who takes over these obi~ations, Induding the obligations of a guarantor, suroty or endorser of this Nots, Is also obigated to keep all of the promises made In this Note. Lender may enforce Its rights under this Note against each person lndivldually or agaMst all s{gnatorles together. Any one persoh signing this Note may be required to pay all of the amounts owed under this Note. BY SiGHNNG. BELOW, Borrower accepts end agrees to the terms and covenants contained in this note. Witnessfesk MAILING ADDRESS: 278 S USt1UEHANNA AVENUE yy~~s(es} ENOLA, PA 17026 F?1A tNutttstate Fixed Rata Nate - 2191 L908W 07/93 Page 3 of 3 (SeaO iSeaU (Seep (Soap f -~~LII_SFC_ OIIR~, pqY 70 THE ORDER OF: PAY TO THE ORDER O,F '~--, ;t ~+l~1A1:81; ~FXA,°SAS, ~ ;~ f '~--~-- G~C~THOUTRECOiTRS .~ANCPLUS .M•ORTGAGE CORP. ~• ~ MORTGAGE CORPO , 1TON BY:,~1~~ll~I.G__~~T~~z~..-~i f ~ ~.~~~ 0 IVIARILYN FRANKLIN Iulie A. Rousselol~; Vice Precidc.,t Vice Resident PAY TO THE ORDER OF i. - ~ . --- - ~: wlTHOUr RECauRSE FIDELITY SAVMIGS ASSOCIATION OF KANSA , Isb BY FRED T. PETEHSO EN p VECE PRESIDENT E~11b1t "C" . ~o" (~~17-~~ AFTFA REtbRDiNG RERJRN TO: BANCPLl1S MORTGAGE CORP. MID ATLANiic ccD- N.BRtRdS1NICK 308EFT p.Z1EG~~» a6o R7 1 NORTH IiECOgDEq OF DEEDS 2ND RooR CUMDERLAtlC CDUN,iY-Pq NORTH BRtIN$WICK, N1 06902 '99 Flflfl 7 H(91U Y9 ---[ Spscr Above Tbis Lltrs For RscordMia D•ia7 CorrxrwnwsalOi of PerarryNarda Flr. °s N° LOAN rk 1081.E]61 MORTGAGE 4[f 4 8 216 6-1-70~ THS MORTGAGE ('Secerlty bstrurrvnll Is 91ren on MARCH 02, 19D1 TM fdortp.por h DONALD Ei1GENIE BRYSON AND REBECCA ANN BRYSON IIUSBA4U AND WIFE owr7. TNa Seaally Instrument la plven to BANCAI,US MDR GA CORP whkh k ora~nlzed Md edaYep mrdar Us laws of TAe Shte pf Teacar end wlrow eddruc to a801 MCALLIS~~FT~1slAY. SAN ANTONp TX 782tti 1'4nd.ri. Borrower .,.... we, uw prtrrrJpar error or -------------------_----- E16HTY TNO THOUSAlp FIVE HU1DpED FtF'TY DO___________ Do9rr PLS" 182 00-----a. Thb 1 k wldanesd by Bnrrorrers nob d.tad same dab as 1~s ea 1y bstrwn.nt CNote7, whkh provide far monlNy paymenla, wnh Iba fug debt, if not paid sarller, due end pay.bh ow MARgt OL ZO21 7hls Security Indrumrrt ssares b L~der_ W tIN r.p.yrnwrt of the l~ldenced by the -bte_ wnlr htlarasf, and aq renewab, sMrubwr end modirkeaonr tW 1M peyerenl of ap other sums, with Mrest, .dvandd under par.pr.ph 8 b protect th. aecwlty or tMs Seorrny il"Vumenl: and W qa perfwm.nce of Borrowers cor.nent: and aprsements under tlJs Saoally Instryment and the Hula For this purpose, Borrower does hereby mrtpspa 9nnt aed wnrey to Lender the folbwbp dasralDed propMy IoatW h E't'ST P~80R0 Tti^^~+~ txMtft~-ND Oorrnty. Pannsylr.nld SEE ATi161® St7~I1LE A &tAIUNG ADDRESS: 279 SUSQUEHANNA AYEP1l1E ENOLA. PA TnI26 wfich ha tM .ddress of 278 SUSOlI6iIV~a~A AYEMIE ~r10LA Wrse1, q{yE Penn ria 1']026 IYtopaty Address; R]p Code! TOGET}SI WRH d the 4rrprovera.eb sow or hsraafter ersdsd on tlro propeAy, and aY aasarrrob, riphb, apprvtanaocee, rsatc, royaidec, adnral ot1 and pas rlphls and profns, wrier riplds and stock and atl ibctures now or hereafter a p.A of the propeAy. AN FHA PemcytvaNa Moriga9a - 2/at ~~ ~~ Paps 1 of 7 l noaii19;1 rAa b45 replacements std addllbes ahi also M muted by Mls Seotrtty Instrument AM of the forepoing la refm.d to br Iltla Seoxtty 4ratrumani v M. 'Property' BONROWHI fbVENANfS~ that Borrows fa lawfully ...Iced of the sst.b hrs6y mweyed .ed hu the r1gM to greet and moray tbs Property and ibst tM Property b ueenarmbs~d, except for eecvm6rsrw of record Bonowa wrrants artd wIN defrnd gen•nBy M• tltla to the Property sgabrzl aN dalms .red dsnend; subject to any axarwlrauws of record L Peym.nt of PrtnelpaL brtarast and Leta C6xge. Borrowr shall pay when du• Ue prMdpal of, end Mtr.et on, the debt wld.ncw by tFe Nob and Fale drg az dw andr tl.. Able i bloraDty P~ayn+e of Taxes, Irtrufana and arts Charges. 8orrotra shall lrteWd• Y each rnanVNy ~cpnyuenL together wkb tM pr)nrJpel srM tnternst ec sal for1A In fhe Note end arty t.te dupes, an brclaNmarrl of any W texas and spell ecaasamenta levied w to be Iwled egiut 1M PraWarfry, tbt I..a.hoM peyrrrenta or growl rent: on fhe Property, end Id prsrrbwr fa Mareen requ6ed Dy prpraptt I. Each monWy Instetlmant for Mama W roL end td sh.N equal mrtw dfM of Ih• annul amounts, w rwon0ly estbO.ted by lsrdef, pNn an anounl saffldant to mabtaln an .ddM6nl baisro of not own the one-sltc4 of 1M estlrnded nnsvnls. The fup snrwni ammnt for eec4 M.~rt slri ba acoaaulaled by Lends wMhln a parted exrdlap orre mooch before en kern mould beWma dsMquarl twnds shah hold the emoutts mikcted In INS[ to p•y kerns Il, ~, and k# Mfae tfwy became deiNrgesrl. If N soy tMra the told of !M paynrsda hard by Lends for keno Il, rol. and (rJ. tngethc wkb Me }ulura reontldy p•ymeMa fa each kerns peyeWe to Lratdr plbr to the due doles of srrrh kerns, s[rseds by mor- flan one-zMh the ec[Rneled rnounl of pyenwds ngWrad to pay socb Items when due, .red H pyrments on 1M Nara re mrranL th.n Lwder ahi Jth.r refund tM sxraw ovs on.-zhib of ffi..ztlrm.ted paymenla or oedlt M axcaa Drat we-aixM of tlrs aslbeded pymsnis to sub:eq~wnf p.yrnaniz 6y Harrows, t 1M optlon of Borrows. If the Iota) of Ma paymewta made by Hortowa for Iterrr W 161, w Id fs inaaffldwrt to p.y tM ken when drq then Bwrowr zbaM pay to Lands try amount naceaary to strelce up the dafldency on s fufore the drie the Item baeorrres due. As asad M this S.curMy lutrrxnmrt. -Serretary means th. Sw•tary of Flouring end Urb.n Dwebpmrrt or hh or hs designee. M sty ysr ti whirl the Lands masl pay a mortgage borRrra preedun to Me Seoalary, salt mowihty p.ymwrt sDi lm brdude allber O u bntllmeM of 1h• amrl mortgage Inwranc. prrnbrm to be pld by Lender to the Ssvsfsy, a INI ^ rrrorrlNy rhery. NAwd of ^ wwrtgpe br>•rrroo pramhan It Ws Sacslly hsakanerrt 1s bald by fir Seaetry. Each monthly InstaNareet of the mwigsge lnaaranrz prambret aheN he M m emo•nt suftldent to acaenulsb Me lent annual rworlN9a tnsa7sres pr•wdsn wMh L.arrdar oM month prior b the dab the fuM ertnual ntortgega Mstrarroa pr.edrw 1: dw b 1M Sevatry, a If ills SecuAty feabamwrt la Aadd by the S.ad.ry, wd rnorrtldy dnrge shi M M a sown[ equal to one--tw.Itlh of orro-Aril pareant of Me ootslstieg prbrc~l beharce dw ob tlt• Note. if Bgrtews tenders b Lender Me id peynent of YI sums seared by Ws Sawity babsrrst, fiortowers eaolst rinM be eredMad wIW the 6slrra rans6rbtg for i Insfaimentr for Ramc W. Itf. +ed Id .red any moApaga Mwence prsmben b.sbMnmt Mel Lands lua earl lxamme obNpaled to pay to tM Ssvstry, and Leodr rdrell promptip rotund aryl axo>s Teri: to Banowar_ Immedhbly prior to • fwcdoawa sate of tlra Property w Ira eoQia111orr by Lerrdar, Bsrowds sosounl obi be aedltsd wkh any blsrca rem•Mn9 for i budimmis fa Itatna N, Mal. std ld i Appileatlan of PaYrnstts. AN paymnts ands pragraphs i and 2 shi be .ppMad by Lewder es feMowr pprraay~ to the mortpaga banns pramhe. b be p•Id by Lsndr to the Ssv.tary or to r1T-nontMy~ dupe by gr Ssorelry bstwd of the nronWy mortgage bsw..ee Pr~C Second, la any taxes, aperLd essasanvtts, IsasdroM peymrrta or grand ants, end L9ga 02194 Page 2 of 7 ~olill99 rwu 8A6 - - _ .. N4 Hood .ud oMr b.aed IesursrKe prnrniw..s, as requkad; ihbd, to bdsrest dee undr tbs Nob; FowB~ b reorUatlow of tA• prbdpd of M. Nolc, ~ lab cfirpa dur under the Note. ~ Fk.. Flood arW OO.r Hmrd bosar'anea Borrowr sh.p Insure i bnprorem.nts on Ms Property, wbaAbr now M zlalaece ur subcequ.ntly ceded .yabat any h.trda, easaaltles, end metleQencles„ Mrdudny fRe, for wNd Lends raqukae Bootees.. Thla hasrasu dn9 b. maMbhed h tM aewrmte and for ftn. parlods Md Landr raquYss. Ltorrowr atrtl tlso Inw. aA knprovrerta oe iM Property, wbeltr now h sxlstanaa or a.bsegnrtly r.d.d_ wdrut loss M tloods to tM Mont r.gslr.d by tM Serratary. Aq laawwm rbi be s.rrl.d ar1M ca.~pant.s .ppror.d ty Leeds. 7bs Inavranu po9dec .nd enY rm.wda shs9 be held by Lsod.r rd shell kzirda loss paysbM d.wsa h favor of, and M ^ tone naplnble to, Lender. N the areal of boa, Borrower ohs{ ylve L.endr immedhte noBee by maM, Lands may make proof of loss If not made pfonptly by Borrwr_ Eed bntrauee camp.nY concrnsd Is bsreby auMpRed rd dlreded to pnite payment for a1rd1 bu dkady to Lander, Instod of to Borrower rd b Lander Jointly. by or rY part of dra Iesraram promada nuy bs aPP9sdeedbYtlr4 der, i Its opOo0. sldtef !el to the rsductlos of tba Lndebtsdrss under Iha pereyrrpb 3, eod tbst toLn>Nnrt tkst to sny dellnqusnt sn~owta app/ad Is the ordr In prepeymett at prindp.l, or !bi to Ms resldrsYon or reek of ihs deeteded prvpertY. MY epptlcetlue o} ibe proceeds to fM prbrdpel sb>r not eKteed w postpone the dra dab of iba sraefby WYrrtrta wbkb ere referred to h preynph Z or. deeps Me .mots( of and paymrtc My azr:as buorsreo proceeds evr w amount ahsi ba to toYtbe tedeMednaas undr tlr Note and thh Saturly Instrvmant w~ tMy w~Y rtBhd tnareb_ M Ihs nerd of feradoasre of tlrk S.sseNy hslrumrt or otter trans/er of tale to Me Properly Mat extlpda-er ilte bvfebtedww, d r1phL tltle end fnirsst of Borrower M and to Wsurn{ar polkdes h torn rlratl pass to Me purchwr_ 5. Y, Preservatldn. 1JalKerugm arrd Prouctlon of Me Property; Borrowers Loan Appilea[Iott: LeaseMNc Bezrowr chap o¢upy, estabN~y .ed u:s th. Property n Bwroweh prbtc~el raddenta rrhfeh stfty days after lha :adrtlpe of tbk SamrBy brsUUOeef and chart maMrra to ocenpy Me Propsrty » Berrowera pMdPsl nddenee for st least oee yet suer Me date of eerarpaecr unlaas the Saraatsry dedsrmltea Mk requlreme~ wltl eru. nsMu brd.hlp for Borrowr, r snlees ezt.wstlig dragrulreos eater w4lctr are beyotrd Borrower: eoniroL 8wrowr shJl eoltfy Landsa of any sztrealbrp dro.nat.ae.+~ Borrowr atoll eo[ mmert wWe a d.dry; damps or eebslentlstly denpe Me Property or show the Prap.rty m MterlorNr, n.sons6l. war end tear aztspled. I.endr mery inspect Ne ProPr'tY K ibe properly la racowt or abeedened or Me for h W defsWL lswdr may kite rseeoubh aetlon to prW.et end pfessrvs audr rrcest ar abrrdoned Proprty. Bowe War abet( eW be a detauM K Borrower, durle~ tbs br sppYoYon proms, pore reMletly telsa or bumrate Inforreellm or statemrlc to Lsndr (or tsW to prorMe Laedef wIN ry eud.ry k[onesped In mspellon wIM Ibe tow .rWrwd by M Note. Indudbrp, but not ~mped te, s Bortowere ooospwyr of Me Property n . pr-s1p.1 reddeata. If Mk S.wtNy let k oe hauebold, Borrow sMtl eoetidy wllb Me prerlrlons of Me I.esa. K Borrows .cqukes fr 1We b the Property, Me Ie.celroN end fee tl}le .heN not 6a naerp•d udeis l..ndr epee: to the mrp.r h wAlYq E gmrps to Batowaf artd Prrr~sortde~eptlet1tp of Lenders Alpbb In tM Indded ti Pry Borrower sly pay thr ile.s and sMons 1hsPrs~i wbld h owed be pyr thr o6rpdbes on Mr dlr.ctly to M. adlty pgmrL It fsOre b pay would edreraely effect Lrdere htraat !n Me Properly, upon Lmd.rs request Bonbws steep propgrtly ltvrdsh in Landr rewlpiz erMrdnp blase peyrerks. If Borrow fJls to mte flrae peyreents a tlta peymrla regWred by parapsph 2, of tatla b perform my other mratwtr and a9reanents t~aWssd bt tlds Sacyrlty L99tl 02194 Pays 3 of 7 -tdrt11:~9 asst b4~ Instrunent w there is a Iagri proesadbrp that mzyr dptdlkrtly of/er1 Courier's rfphb In the property lard n ^ proeesdMp M balrkftrplcy, for cordernnedas w fo enforce 6ws w rapaldioed, than Lendr •r•1' do a^d py whal.vr Is nec^saary to prolecl the veins of the Property a^d Landr's riyhls is 6r Property, 6dudbt0 pyment of taxes, hazrd Inswance urd other k•ms w•ntlonad to puaprap4 2 Any amoue[s dstwrsd by tasdu urdu ttJs prapr.ph abap bemme sn eddltlonJ debt of Borrower end b :.stead by tMr Ssarlty FnsbrwenL 7hase rrwtwts shah beer intuad crow tln dd. of dlabtrare^nt at Wa Fbb rds, and d the opthan o} Lender chap be Immsdddy due sari pryaWe 7. Carrdwrr.et{an The proeeeda of my award w d.im for dsmape, drat or conaaquslN, M corwsetlon wNh any eowdawsstfon or other tetiq of sY put of the Property, w tw eanv.yanee M pl.c. of cosdrnn•tlop, we heaby ealp•ed and shay be pdd to Lender to the exist of the fW amWnt of the Mdebtedsea the remeMz unpaid wdrr the Nob and We Seatrily InttNrlwr[ lender dell apply sod proeseds b the ~rsductlos of Ih• Ind$Mdrr•ss under the IbL and 1Ms Semrlty 6#rrnrwt; first fo any dellnquant awosnts app6daln the order povldsd In parapr 3, ~d then to prep^ymant of prh.dpl Atyr .ppYoMo of Me proceeds to the atoll trol extend or postpone th. dun d.le of Me moeWy prymenl; yrlrleb ue referred to M par.praph 2, w deeps the rnmwt of suds p^ywenis. My .toss prnceads over an amount requksd to psy all nrrtdaardhtp Indabtsdsess order the Note •rd tNa s.adty Instrument sh.tl ba p.ld to the entity 1•tliY entMled tlwsto. !L Fors.. Lender may coped }ees and charpca wlhorhed by the Sevalary, 9_ GrouMz td Aenleratlan of D.bt i DefaWL l.sdar may, •xospt s IFnded by raquletbns Issued by Ue Seerd.ry M 1M cas. at payment Hhulta, rsy4a Immsdlala p.yment M 1vN of all suns sanred by Ws Seorlly Inab.nerft If _ p Bsrrowr deferka ty falpny to p.y hr twl any mantMy p.ymenl ragdrsd 6y this, Seraeky lesbwnent prior to or on the dos date of tM nett monlMy P•Yn~t or (p1 Borrower dsfrdis by islpap, for • perbd of thirty days, to perform asy other o~pOatloea nssLlued Mr ibis Securky iWnsnsL 0. SaN Wltltortt Cfedf ApprovLL Lender .hap, N pamdlted 6y .pptcabin hw and rdtlr kle prier aPp+D1i1 of lh. seaetry, raQdr• ImmedMa payment to full or d the soma e.ew.d by this s.nrky htsbtonerl M @ Atl w part of Me Property, err ^ baMfklrl Mtusst M bust ownbip .p w of 1M Property, Ir add or olhsrwlae tnnsfarred foMer than by d.vis. w dascung by 1M Borrowm; and pp 1M Property Is sot oaapled by~tM prrcfi•ser w prances u Ns or bet pprlIn~dpsi reaMwro, w thr putshasar a pnsfa does ro occupy Ge Propuly Gel his w hr vedt has not been .ppovad h ^cmrd^nee wkh the regidrawsrb of 11x• Saaatary_ e No WWur. If dvrmtanta,s ocar that world permN Lender to req~dre Fmetedds p.ymst M hip, but l~ndv does not n9rMe sod peymtmis, Lendu dom not waFY• IN dpht• vdtlr rarpsct to >erba•quwlt eurrts_ d. RepArilons of FIND Sea~dry ht mast ~~~~ replrlatlasz Issued by the Sevtuy vA Mmk Landefc ripKts 6 tbs sue of payment deraulls to r+ygtdre bamedlete p^ym.wt M /rrp .nd foreclose if nrA peM 1'hl: Ssrslty MsWmeni does not sulhertze aoeelarapoe w foredoarre K sot pwmllted by rsprdalldu of Ms Ssrtel^ry. e. F1Mpepe tbt krwued. Bgrowu sprees KN ahwld lids Secerlly Instrument .nd ih• pots soured th.aby not M epolble Iw In.ur.nca under ilrs N.tlonal HmWY Aet trltlds DO dye from N• date MrmC~ Lends mry sl Its sd notwltlssteluYnp p M Pu+Or~ ~. requLe bmn•dbte peymmrt H of alt sum. secured try Wa SeWky inabtwrwri A wrlks stsl•merd of try autlarizsd spat of the Bestiary dried wbasqusnt to 60 drys ham the rids hereof U9s 02194 Pape [ of 7 bpa(tl$~ PIIGC lS~b -_ i _ ... _~ _. ._..1_.._... _ ..... dedlnlwg to lases tlda Saustly hnrtrumanl and the Nob sswrsd Wreby, shat be daerwnd oondusive pool oT sedr IndlDibMky. Noiwwrsird4q Ibe fapofnp, tHs optlow mey not bn exerdsed try L.uds whu th. un.sstsbOty of Mwwr.ace b sdely des to Lenders fatse to remit • mortppe harries prsxdem to Ms Sm eAary_ 10. Balnstatarrwtt Borrows has rlpM to ba relasldad tf lards has r.r~rlred bnmadbte p.ym.rtt h fuY b.r~usa of BoROwsls falWrn to pay N srrounl des mds the hbta a this Beastly 6drernaaL This rlpht ePPNes w.n efts fa.dosera proosadhps re hstltoted To rabralab the Ssaxlly b~sbraneal. Borrows s-et tewds M w lw4 anq rp .nwrmfs r.raulred to brhp Borrowers ecaart eurreltt Mrdedht, to Yre x1aM 11wy r. obkgstlons of Harrower ands lids SeaeNy Instromeht, laadoswe coals rd reasonsMe end astomsy stlsnsys' teen sed expenses PraPKtY .ssadw.d wIM th. forsdoaws proceemnp. upon rdnstd«n.nt by Borrows this Seeerlly hsbumrd .nd the obtpdbns 16N k searras abet ramsln h slfed as If lands bd rest rngtrtad Mmrad4M pymanl h 1uIL tkww.r, Ly~ds 1s not raqulred to parrnlt rebulsWnent If: D Lends h.s eocepted rslnslat.aiwd efts We mmmencsrrrenl of foradowre poceemwps wNNo iwo yens b~atdy praewdlep the mnnanweart of a wrreot toradoaurs poaedng, AI relnstafemard ww p.dud. fa.doaur. on mffr.et prnreda in the fuhre, a tM rdnslatamml w1Y sdvssdy dt.ct the prlally of the pan ~wted by thlz SewrNy InstrumeeL ti Borrower Not BeDasad; Farbsarance By Lsrdr Not a Waiver_ (3rtendon of ills lbw of payment a aodlfkatlw of .rnorUzsdan of the soma ssaaad 6y 1Ns Ssaxhy lostrreueat gr.nlsd by Lends to sey wrrssa lA M.rest of Borrows shsB not opsab to rdwu the tsbtky of the orlpled Borrows a Borrowers aemnaor 4 Miseei Lendr altst not b• requked to narenRrrc- prouemhps apdest any suoassor h MMresl a aloes to extend 16ne fa ixymeot a otberwlu modify amorltratloq of the sums saoxed by 1Ms SeooAty plsLrenawt by reason of any demand ride by iM odphd Borrows or Borrowers sublessors h Msai Any faberence by Lander M exsc4dnp any ripM or tssxdy ahep rot i>e a wales of s preduda tbs nxerdae of rry ripbt a remedy. 72 Say essays and Aszlprc Baer4 JOMt arM SexarN Uab11Hy; Co-Slynrs_ Ton maenants and agreenranta of tMs 5euirlty hsVtrnerd stalk Wad and beneM the wabsaors and assigns of Lender and Barrows, sebjrY to 1M povlloxt of .per.pr.ph 9b. Borrowers mvrnarNa and agreemeeb spat b. Joint and swerxL Any Borrows who m-alga: INa Seaurky Insinrmard 6W doe. imf exnwts tM NotK Id k rn-~rdny tlds swrky brdnxn.nt ody to rnor~ap., prrd red earsr.y that Bwrow.ra Yderert h ih. Property uwl.r w lereu of tMs Swrrpy buLam.wC iM 1s not Persorwty obtgatW to Pay Me awns assured by thle Seaxky Insbomad: rrd td sprees 1Mt L.eds rrd any otber Borrows mry epr.e to axtaed, nsomry forbw' a mats any .csormnodspanc witlr rprd to the terms of ihls Snar{ty 6sWment a Hm ibb wkbout the Borrowers rsnssnl YL Notlees: Any rwtla b Borrows provided fa M lids Saorky hshrtment shah M plyaw by dsBparbg k a by m.tlq K by lint oir maM ordnss apptleehin le+s r.qubes u:a 01 snotlrs mMod TM notke abet M dlrsd.d b the Prap.rty Addr.ss a .ay olbsr .ddras: Borrower dsslppates by sago to L.ider Any aotlw b Lends abet be glren by lkel dess m+t to Lmderz addles: stMed Aereln a any addfees Lendr deslpnabs 6y sotto /o Borrows. Any sago provWad fw M flrb Searrily bslnrmapt shat 6a deemed to hws bona glees b Borrows a Lands wh.n ghee as prarid.d In thk pragrsph. 14. Gpvernltg Law: SeyeraWBty Tbk SearrJly buM1lwwrt abet bn posnmed by ftderd Ines and the Ines of the )trrl.dldoo h wMob tlrs Property Ic toedsd h the event U.t zny pprroortsbn or d.u:e of tbk swrnq. 6.sWnwnt a the Nob conftGs wkh spp1lo61e Imv_ sucfi weftct shsY not affad otlrar proHdotts of thb Ssnrky hspomanl a Ibe Nola wHdr cet be glees effect whlrOUt M tonitrJby provWoa To this end 14e povMons of Ihk Sandty tnstnmsM and tM Note an dsdared to ba sssssWa L99B 02(94 Ppe 5 of 7 seal t139 rtcE b49 Iir. BolioWef's Copy, Borrows sAad bs glren owe conformed copy of this Security hstnan.nt 16, Atctprnlnnt of gmtc Borrows rtgmrrdhlonady asdgns and transfers So Lando ad ttre rents sail r.v.neas of Wu Proparty_ Borrows •utlwrhas Ltnds a Lender's .gents io ar0.ci the rants end rvenusa snndd A ~veby dlr.da rdr ~tanrt of IM Propsty to pay the rents 1o Lends ar Landais apnta. Nowavs, prhx to L«rdars aatlce to Bortowa of Borrower': brash of any covenant ar apreerwant h dre Seorrgy babweenl, Borrowv shill mdact wd readva ad rrrtr nil rwernre of the ProPeAY u trustee for the benef0 of Lrrds and Borrows. Tbh esdgmnrit of rasrts mnstlluln n absolute asslgmrrerrt aqd not en nslgrnaat for addMond sea.tly onty_ If Lender dreg notlce of breach to Borrower_ W i rents reaWed by Borrower sh.d be hold by Borrows ai trustee for banetd of Lends only, to ba tppdad to the scans scarred by the Samdiy hstrumsnh Ib) Lends sh.d b. ewtldrd to coded end recdve dl of Ur. rants of tM Aoprty; and (b aadi tenant of lha Property shad pay td rents due .nil unpaid fo Lends or Lendr't agaM ow LMds1 wrRten demand to Ure taneat Barrows Au not axaarled rry prbr asdgnment of the rents and hes not end will not perform erry ect Mel would prevent Lends from exerdshrg Its fights under this pspraph 14 Lender sA.N not be requhed to ants upon, take control of a mahtdn Me Property before or efts plvhp rrotka of brerh to Borrows. Howevs, Lendrx or a Judlddly .ppolnt.d rec.IYS may do so at enY time tbsa Is . breads Any appikWon of rants shill not css a wdve any defwlt or hvalWda any other right or remedy of Lends, 7bh assipwrrant of teats of tlra Pr[rp.rty dull tarnJnde vAran the debt secured by the Sesaahy Instrument is p.ld a fit. tJDN-UNFORM COVENAMS. Borrows soil Lends furtba covenant rrd .gree ss foMowr. 17. Foraeloslre Procedure i/ Lender requires tmmedlab paymetrt in hill trul.r pparaQaph B, Larrder may fornelttse Uls Sectsi[y blsBUrwen[ by Jadlclsl proceedhrg. Lands obeli M asrthMd io sWie4 elf erc(wror; busrred In pursuing tM retnsdies provided M pile parapfapb il, Includlna but trot Ilmhad to, nasottabla attorneys' is.s and cost: of tlih svldettca, M. Rabasa, Upon paymart of ad sums s.mrad by this Saeawlty hstrvment, this SsaM1y hdnrrrrM and the aabfa mnvryed sh.d tswirde .nil beaanu void. After each omrrrarree, lands stud dhdrsga and satlsfy thh Sewrlty hrslnrment witlroul chsge to Borrows. Borrrrwr slug pey try reeordadon costs. ~ Walvarx Borrows, to the asieni parwrMsd by appdobk hnv, w.lvas and nlseses •aY error of detects h ptocaeMg: fn enforu this SacrrrNy Insboment arrd hereby wdves Ura brwAt of .ry present of firtsa laws provhtlrg for stay o} ettecuthtrt, cxtenabn of limo, exemption from ariashmmrt levy aril ode, end homestead exanpdon. 20. 11sltMatnrrrent Period Borrower's t)ma to rdMteta prorld.d In psagraph 10 shah axieed to one hour pr1M 1o tM sommencarrrent of biddng al • sheriffs cafe or olhs s.fe punuard to this SewrMy hstrumrrt 2L PurcAase uwny Motrtpage, ti any oT the d bt secured try this Searhy In:Wtment h lent to Bortowr to acgdn title to the Property, thlr Saoehy InsWrnerd shed be a purchase money tnortOgia 22. irderast Rats Attar Judgtwrrt, Borrows .prses tlr.t the Mtaasl rile pay.bl. flat • Judgraswt h entered on tits Mote or h r actlon of mortgage foredosura :had ba tl1s rile payWle from thta 1o Unte under Ue Note. 23_ RMss to UK Searlry Instrutretrl If one or more riders sa axeartW by Borrows rd recorded 1oP1As whh ddr Samrity btatrumrrt the covenants of each such rids shad b. heapotet.d Into rid dud amend and sepplsamt t-a rxvenanla and L996 02f84 P.gs 8 of 7 boatliy9 r~i[ fi3U - - -- - - -, apreanants of ihls Scarify In:tnrman[ as it tlrs ridsAsl Mae • pert of Ihls SecurNy bstrumen[ Check eppllotWe boxteak CondoeJnknr Rlda ~ Gr-dudsd Payment Rids %ermed Unlt Dwdopment RMa ~ Growhg Equity Rider ® Otha t5p.dty) L(JGAL DkSCAIPl'LDN BY SIGIdNG BELOW, Borrows .ccepa .nd .ors m the leans cootdned Mr tlds Ssarity 4rskumant and M any r(d.r1.1 exaoAed by Borrower and record.d with K _.: Wltnsssks} ISee~ WNnassfas). Certlflpte of Residence - l J)lLS70ELDiE BOCCI ao hasty catlry tlrd ihs coned - >ddress of the witldn-nrned hRortOaps. Is 9fiD1 ItCJ rL!3=ter Fraevav, Sao antanio 7loaa 78236 ww~•r my b.ne this 2nd my of ~ttarc2r - 1994 L Agent of ends COFMdONWEALLH OF PENNSYLYANAA ~ePrM txrerty s>c dr 3Ms the god my of March 1994 bstore me, the wdersgned ' offlrsr, pasondly •pQserad DONhLD EOGPAC HRLSCN AND BLrHEp'..Tt h1At 13RYSON '. persons who•s nreas svbed b dre witlr4 MrstrrrmeM >nd ectnowledyed that I ~~ NJaA13 -xeoAd the •>me fa ffie purposes herds mnlaieed. ~'j~~~NESS WFBiC#, t haeento set my hrrd end o-fldd s \ ~ ..~ yr I ,--~ h4Y Coro -ed~g.EXp~:!, x.:;01-~~ ;r ! ~:.; . •. -•`- ' Y ' ;vr~;.Y~-~{~.,rc ~ e of Otflea ~. This lti,{Vi{~efautreF,'~reEired BY HANCPLUS MDR'f6A6E cORP, LR99 02J,~4i'~~•'"":'• icf•.'.? Paye 7 of 7 NOTARIAL SEAL .. r •. OJ~+FE`~:;. g Cltt[ Nrlet7 f1We - :~/ ~ ~s c •• noai ti:kl ntcE 65! ~, cr•~ ~ o~'o. ;•s i i ALL TNAT CERTAIN lot of land situate in the Township o£ Ea s[ Pennsboro, County of Cuwberland, end State of Pennsylvania, being Wore particularly bound cd and described as follows, to wit. BEGINNING at a point oa the east side of Nyowing Avenue at the southern cx[rewi ty of the arc or curve hating a radius of 10 fee[ connecting the east side of 4yoni ng Arenwe and the south side of Susquehanna Avenue; thence War theastwardly b7 [he se id arc"or curve having a radius of 1D feet, IS_761 ~~ feet to a point on the south side of Susquehanna Avenue at the northern ~'~ extrewi q~ of said arc or curve; thence along the southern line of Susquehanna~Avenue, North 79 degrees 40 winutes East, 50 feet to a Do int at the corner of lands now or late of Joseph Eichel; thence by said lands, South 10 degrees 20 minutes East, 152 felt to a point; [hence, South 79 degrees 40 minutes 4est, 60 feet io a point at the east side of Vyowing Aveaue; thence along [he east side of Wy owing Avenue, Narth 10 degrees 20 wino tes Nest, 142 feet to the point and place of BEGINNING_ IiA VING THEREON erected prewises known as No. 279 Susquehanna Avenue, Enola, Pennsylvania. BEING the sane prewises which IJi]liars C_ McDonald, unreoarri.ed wido vet, by his deed dated Hatch 2, 1994 and intended to be retarded herewith in [he Office of the Recorder of Deeds of Cuwberland County, granted and conveyed unto Donald E. Bryson and Rebecca Artn Bryson, his wife, Mortgagors herein. ' I i I ...s•.•ya la:,i ~ 'f.^]4'~"htY;~ :tiy~/~~ 5 ~ ..4:u,: ~dav Rrxnlwr ' i i ngmiii53 rAr.~ b52 I Exhibit "D" iiG9RDr-K DF DECDS ;;UhiiL')?LAHD COUNTY-hit ' 95 JflN 2'I RI7 l® R8 Commonwmlth of PBdNSYLVpNIA Assignment of Mortgage Ref_ Number: 353314X County of CUMBHU.AND - For Value Received, Bar,cPLUS Mortgage Corp- . a cnrpo.ation orgarw:ed under the laws of Tsxx, whose address is 9601 McAista Freeway, San Antonb, Texas 78216, the trober of the Mortgage trerainaf[a mentioned, does hereby grant. bargain, seN, assign, transfer and set ova unto Fdeity Savings Association of Kansas, F58, a federal savwps bank organized ands the born of dre Urrited Stites, whose address s 100 E Srptdt, yVid.fle. Kansas 67202 ('ASSiq+ee'), its suorassors and assigns, elf that COftBlrl Mamage it the amwrnt of 482554.09, given and exervfed by DONALD L~1G9JE BRYSON AND RC•BEIxA'J1NM lIItYSON to fi11NCP4115 MORTGAGE COfiP_ boring date MARCH 21994. and Recorded on atARCH 7, 1994 st CUMBERLAND Cwnry, at Irutwarrant .Tole, a+ MongBge Beck 7799 at Page 045, to secoe the DaYrnart of aq notes [heroin dasatbed, with interest thereon as dasein nwxioned, sewed upon all the brrd, and improvements thereon, deaabed fn sudt Mo/tgape, and also krrovrrt it 279 SUSQUEHANNA AVENUE BWOLA PA 77D25, M the Town(aky((Borolrgh BEAST PEaa~ORO, iogetha widr d tM obfgations in the said Mortgage recited. without recourse. with the wwrxrt of attorney to c)re said obigations annesed_ To Have, Hold, Receive and Taker the pranriBas hereby asaigrred unto the Assigns, subject to the eglrty of redemption o(sal0 Mortgagor in the said Mortgage, this Assgrwn«rt being executed and sealed to be effective as of O'ctobar 2 1994. PsrRl ID +f. 097-09832092 "~j,ORT~••. _---. F~y`7~ +'-~'P`' Attested and sealed by: BancPLl15 Mortgage COrp_ U: _n_ ~l- ~-'~_ ~.~ M.C. McLain, Assistant Secretary Edon L Youngblood, tPri.'R Wr„s a Tats hlssr SlprMa) Vice PrasidMf LS.fSraf) fAFFlX SEALI Slate of Trxas - 5 County of bs8as 5 ~ ~ _ On this January 10, 1995, before me parsonaDy appeared Edon L Yourgbood, who ackrpwlBdgad . ItirnseNRtaseN [o be the Yrca Prssidart of BanrPLllS Mortgage F.orp., a casporatiorr. and drat hBlsM Ba sudt Yrta Prsidant. being auUlorimd [o Uo so, exearted Fhe -orsgoirrg inswnea/,t/F~or Ute purposB therein wntakrad, by sigrrntg the r»rrre of the torporetion. by hirnsaNlhsrsely(~j~~ijts Vice~`Xv` fr- M witness whaaof, 1 lwreunto set my hand an4\~1~~p~ f~wpp_ ,,,' Glen t+'fBrk J WeF hint liYrFaer „>e assignee haver thu Fidelity savirps .., ~b--FS..tur?She Asvaatfon aF Kansas, FSB's pretsse residence a Notary's 5rgrwturO 100 E EngFsh, WkJ3ta, Kansas 67202 ARs Oswd:.B Rslr.n b: Tlw q,.w.n.,r ors. Rspsrsd 1rY: YewyM../ a Yw+.pMse{ P.C. Bd.w L Y.v.,B61..d WD 1'hss .1 rla Amwio,. YswgY..d a Ys.v.yY..{ P.C. ~.. /~ ODD k Tavel atrs.r BOO Pm at B,s /1+.r{s.. Deana T.ae 76201 e0D k P~1 sLssl _ ' ATTN; AOks M.a.r W.:. T )8201' ~. Edon 4 Yourrgbbod r S'> ~ 'art . N~e rr. ~rdrng d Ck>l ~ .,. r~..trty fa (• ,~. jn~J . tL 10 •:.. ~. ._ Page 3~ . ~ ... ! : .d <•eal d office d , i,Tra 1'7~_dhrd a ?8 . .l~at.Pw ta.._DerD:,.A eoofi 49() IMCF )4 .co a. roc-trsr: . rna'rtr ~. ztr--aLEa PB:93848364 RECOF.L~= OF D GBiAi1064836400 EED S ~u)aaEa tB9-C:306663816 LAND CoUN7y- p A - Poo1:353314 gas coDS/Pi •g9 DFC Z3 e: H1910 90 >,ss>;o~lx aF aw~a FO& COOD ,3ID VA7;II118L8 Cm76]D36UlTI0eT, the cuff iciency of which is hereby ac)mowledged, the undersigned, FIDHLIi7 HANK,, a Federally Chartered Savings Hank, whose address is 100 E. English, Wichita, KS 67202, (aaeigaor), by these presents does convey, grant, sell, assign, transfer and set over the described mortgage together with the certain note(s) described therein together with, all interest secured thereby, all liens, and any rights due or to becwne due thereon to G191C riOYTGaG6 COAPOR.,Timi, a Pennsylvania Corporation with offices located at 3451 Hammond Avenue, Waterloo, LA 50702 its successors or assigns, (asaignee)_ Said mortgage dated 03/02/94 in the amount of $82,554_00 made by , DO27ALD EIIGSNS B3[ZSa3l AND REBECCA ANN BRYSON to SANCPL[T9 MORTG)1G8 CORP. recrorded on 03/07/% , in the Office of the Recorder of Deeds of CDMBERLAND County, Pennsylvania, in Book 1199 ~ Page 845 (or Document No. .n/a } _ mortgage Premiee:279 SRSODEHANNA AVENQE j EAST P6TUlSBORO TOWNSHSP ENOLA, PA 17025 Ia Witness whereof, the said Corporation has caused this instrument to be executed in its corporate nave by ELSA MCLINI7DN i its VICB PRESIDENT and by M.L. OCAMPp l the AS52. SECRETARY its authorized signer, this let day of November, 1999 ' FZDffi..ITY HANK (flea Fidelity Savings Bask, flea ; i Fidelity Savings Association of Kansas, FEB.) HY' ~ 11TEST: ~ ~i~d vt . _ DICE YEESIDSNT ASSS. SEC):E'TERY STATE OF CALIFORNIA CDDNfY OF LOS ANGELES ~~ - ~ On 11/01/99 ersigaed ' , Notary Public, personally appeared ELSA MCICINNON who adawwledged to be the VICE PRESIDENT ~j and H_L_ OCANPO the ASST. SECRETARY of FIDELITY BANK (fk id a F elity Savings Bank, fka Fidelity Savings Association of Kansas, FSB.) ~= a corporation, and that a/he as such, being authorized so to do , executed the foregoing inat*~•~--mot for the purposes therein contained II , by signing the name of the corporation bl' themselves as such corp- ( orate offieera_ ZN WITJti~ WHEREOF, I hereunto set my hand and official seal. ~ ( 0 ~t ~ Notary Public ~,~p ion expirea.02/26/2003 ~ LOi N~ota6CgMf1f O on.t ear_ r~s, sa+ , do certify [hat the above address of the assi 9nec is:~ C M TGAGE CORPORATION, a Penns lvania Co Y rporation with of s butted at 3451 Hammond Avenue, Waterloo IA 50702 , its successors or assigns, (astigneel_ Prepared by: _ D_Coloa/NTC, 101 N_ Hrand #1800, Glendale, CA 91203 (BOD)346-9152 Return toe ' Natiornride Title Cl eariag io1 N_ Brand #1800 t Glendale, CA 91203 -^• a~ 63.4 e,+r 3G~ Loan Number 93848354 Assignment of Mortgage from: FIDELITY BANK„ a Federally Chartered Savings Bank, whose address is loD E. English, Wichita, RS 67202, (assignor), to: GMAC MORTGAGE CORPORATION, a Pennsylvania Corporation with offices located at 3451 Ffamrond Avenue, Waterloo, TA SD702 its successors or assigns, (assignee). Mortgagor:DONALD EUGENE BRYSON AND RESBCCA ANN BRYSON wben recorded return to: Nationwide Title Clearing ' 101 N_ Brand ~1B00 Glendale, CA 91203 A12 that certain lot or piece of ground situated is Mortgage Prenisec 279 SIISOUIIiANNA AVENUE EAST PENNSBORO TOFlNSi{IP ENOI,A, PA 17025 CW~~BfiRLAND (Borough or Township, if stated), Commonwealth of Pera~sylvania. Being Wore particularly described in said mortgage_ i~~~r~~~rr~ FBGMA EE 25DEE 1. eoo(( 63~ r~c~ B6 ' -~~~~~ a. . ~~'~ ( Rxorda Exhibit "E" All that certain lot of land situate in the Township of East Pennsboro, County of Cumberland, and State of Pennsylvania, being more particularly bounded and described as follows, to wit: Beginning at a point on the east side of Wyoming Avenue at the southern extremity of the arc or curve having a radius of 10 feet connecting the east side of Wyoming avenue and the south side of Susquehanna Avenue; thence northeastwardly by the said arc or curve having a radius of 10 feet, 15.781 feet to a point on the south side of Susquehanna Avenue at the northern extremity of said arc or curve; thence along the southern line of Susquehanna Avenue, North 79 degrees 40 minutes East, 50 feet to a point at the corner of lands now or late of Joseph Eichel; thence by said lands, South 10 degrees 20 minutes East, 152 feet to a point; thence, South 79 degrees 40 minutes west, 60 feet to a point at the east side of Wyoming Avenue; thence along the east side of Wyoming Avenue, North 10 degrees 20 minutes West, 142 feet to the point and place of beginning. Having thereon erected premises known as No. 279 Susquehanna Avenue, Enola, Pennsylvania. Parcel ID No. 09140832092 Exhibit "F" GMAC Mortgage, LLC PO Box 780 3451 Hammond Avenue Waterloo , IA 50704-0780 Date: 08/02/12 ACT 6 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the ntortea~e on vour home is in default, and the lender intends to foreclose Specific information about the nature of the default is provided in the attached pa es HOMEOWNER'S NAME(S): REBECCA BRYSON ADDRESS: 279 SUSQUEHANNA AVE ENOLA PA 17025 LOAN ACCT. NO.. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION 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. HOW TO CURE YOUR MORTGAGE DEFAULT (Briny it up to date) NATURE OF THE DEFAULT -The MORTGAGE debt held by the above lender on your property located at= 279 SUSQUEHANNA AVE ENOLA PA 17025 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 06/01/12 through 08/01/12. See attached Exhibit for payment breakdown. Monthly Payments $ 2173.29 Late Charges $ 261.47 NSF $ 0.00 Inspections $ 0.00 Other (Default Expenses and Fees) $ p.00 Optional Insurance $ p_00 Suspense $ 235.77 TOTAL AMOUNT PAST DUE: $ 2198.99 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 $ 2198.99, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Pavments must be made either by cash cashier's check or certified check made dyable and sent to• GMAC Mortgage, LLC ATTN: Payment Processing PO Box 780 3451 Hammond Avenue Waterloo. , IA 50704-0780 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 rights to accelerate the mor Qe 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. If full 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 utwn your mortgaged property. IF 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 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 that were actually incurred, 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 attomey's fees will be added to the amount you owe the lender, which may also include other reasonable costs. Tf you cure the default within the THIItTY (30) DAYS period you will not be required to pay attorney's fees. OTHER LENDER REMEDIES -The lender may also sue you personally for the unpaid principal balance and all other sums due 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 proceedings have begun, you 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 may do so by paying the total amount then past due plus any late or other chazQes then due. reasonable attorney's fees and costs connected with the foreclosure sale and any other ~I costs- connected with the Sheriff s Sale as specified in writing by the lender and by performin any other reouire~nts under the mortgage. 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 POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the eazliest date that such a Sheriff s 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 of the 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 aL any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: GMAC Mortgage, LLC ATTN: Loss Mitigation Address: 2711 North Haskell Ave. Suite 900 I Dallas, TX 75204 Phone Number. 800-850-db22 Fax Number 866-709744 Contact Person: Collection Department EFFECT OF SHERIFF'S SALE -You should realize that a Sheriffs 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 furnishing and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -You MAY or MAY NOT sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, chazges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied YOU MAY ALSO HAVE THE RIGHT: TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF 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 NONEXLSTENCE 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 FEDERAL BANKRUPTCY LAW_ CONSUMER CREDTT COUNSELING AGENCIES SERVING YOUR COUNTY IS ENCLOSED Applicable law requires us to inform you we are attempting to collect a debt and any information you provide will be used for that purpose. If you disagree with our assertion that a default has occurred with your mortgage loan, please contact our office immediately at 800-850-4622 and speak with one of our loan counseling representatives. Thank you for your prompt response concerning this matter. Collection Department Loan Servicing 5037 EXHIBIT 06/01!12 through 08/01/12 Mo. Pmt. Amt. $ 724.43 GMAC Mortgage, LLC PO Box 780 3451 Hammond Avenue Waterloo , IA 50704-0780 ACT 6 NOTICE TAI~:E ACTION TO SAVE YOUR HOl~~IE FROM FORECLOSURE This is an official notice that the morttage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. HOMEOWNER'S NAME(S): ADDRESS: LOAN ACCT. NO.: DONALD BRYSON 279 SUSQUEHANNA AVE ENOLA PA 17025 NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE EYEING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE LS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. HOW TO CURE YOUR MORTGAGE DEFAULT Brim it up to date)_ NATURE OF THE DEFAULT -The MORTGAGE debt held by the above lender on your property located at: 279 SUSQUEHANNA AVE ENOLA PA 17025 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts arc now past due: 06/0 U12 through 08/01112. See attached Exhibit for payment breakdown. Monthly Payments $ 2173.29 Late Charges $ 261.47 NSF $ 0.00 Inspections $ 0.00 Other (Default Expenses and Fees) $ 0.00 Optional Insurance :. $ 0.00 Suspense $ 235.77 TOTAL AMOUNT PAST DUE: $ 2198.99 HOW TO CURE THE DEFAiJLT -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 $ 2198.99, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check or certified check made payable and sent to- GMAC Mortgage, LLC ATTN: Payment Processing PO Box 780 3451 Hammond Avenue Waterloo , IA 50704-0780 IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within TIIIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt This means that the entire outstanding balance of this debt will be considered due immediately and you may lose tbe chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIIZTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF 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 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 that were actually incurred, up to $50.00. However, if legal proceedings aze 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. _ffyouu cure the default within the THIRTY (30) DAYS period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES -The lender may also sue you personally for the unpaid principal balance and all other sums due 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 proceedings have begun, you still have the ri¢ht to cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale You may do so by paying the total amount then mast due plus any late or other charges then due, reasonable 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 byperforming any other requirements under the mortgage. 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 POSSIBLE 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 (6) months from the date of this Notice. A notice of the actual date of the 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 fmd 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 ATTN: Address: Phone Number Fax Number. Contact Person: GMAC Mortgage, LLC Loss Mitigation 2711 North Haskell Ave. Suite 900 Dallas, TX 75204 800-850-4622 866-709744 Collection Department 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 furnishing and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -You MAY or MAY NOT 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 paid prior to or at the sale and that the other requirements of the mortgage are satisfied. 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 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 NONEXLSTENCE 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 FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY IS ENCLOSED Applicable law requires us to inform you we aze attempting to collect a debt and any information you provide will be used for that purpose. If you disagree with our assertion that a default has occurred with your mortgage loan, please contact our office immediately at 800-850-4622 and speak with one of our loan counseling representatives. Thank you for your prompt response concerning this matter- Collection Department Loan Servicing 5037 i EXHIBIT 06/01/12 through 08/01/12 Mo. Pmt Amt $ 724.43 MAC Mortgage, LLC PO Box 780 3451 Hammond Avenue Waterloo , IA 50704-0780 Date: 08/02/12 ACT 6 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 information about the nature of the default is provided in the attached pages HOMEOWNER'S NAME(S): REBECCA BRYSON ADDRESS: 111 VALLEY VIEW DR MECHANICSBURG PA 17055 LOAN ACCT. NO.: NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE LS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. HOW TO CURE YOUR MORTGAGE DEFAULT Bring it up to date) NATURE OF THE DEFAULT -The MORTGAGE debt held by the above lender on your property located at 279 SUSQUEHANNA AVE ENOLA PA 17025 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts aze now past due: 06/01/12 through 08/01/12. See attached Exhibit for payment breakdown. Monthly Payments $ 2173.29 Late Charges $ 261.47 NSF $ p,00 Inspections $ p_00 Other (Default Expenses and Fees) $ 0.00 Optional Insurance $ 0.00 Suspense $ 235.77 TOTAL AMOUNT PAST DUE: $ 2198.99 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 $ 2198.99, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check or certified check made payable and sent to- GMAC Mortgage, LLC AT'TN: Payment Processing POBox 780 3451 Hammond Avenue waterloo , IA so704-0780 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 ri>rhts to accelerate the morteaae 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. It full 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 your morteat=ed procerty IF 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 attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attomy's fees that were actually incurred, 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 io the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIItTY (30) DAYS ceriod you will not be required to aav attorney's fees. OTHER LENDER REMEDIES -The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIlZTY (30) DAY period and foreclosure proceedings have begun, you still have the rieht to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale You may do so by paving the total amount then past due plus anv late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and anv other costs connected with the Sheriff's Sale as specified in writing by the lender and by performing anv other requirements under the mortgage. Curing your default m the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could beheld would be approximately six (~ months from the date of this Notice. A notice of the actual date of the 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 ford 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: ATTN: Address: Phone Number Fax Number: GMAC Mortgage, LLC Loss Mitigation 2711 North Haskell Ave Suite 900 Dallas, TX 75204 800-850-4622 866-709-4744 Contact Person: Collection Department 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 furnishing and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -You MAY or MAY NOT sell of transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fces and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied- i 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 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 THLS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIlvIES IN ANY CALENDAR YEAR) TO ASSERT THE NONEXLSTENCE 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 FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY IS ENCLOSED Applicable law requires us to inform you we are attempting to collect a debt and any information you provide will be used for that purpose. If you disagree with our assertion that a default has occurred with your mortgage loan, please contact our office immediately at 800-850-4622 and speak with one of our loan counseling representatives. Thank you for your prompt response concerning i this matter. Collection Department Loan Servicing 5037 EXHIBIT 06/01/12 through 08/01/12 Mo. Pmt. Amt. $ 724.43 • , GMAC Mortgage, LLC PO Box 780 3451 Hanunond Avenue Waterloo , lA 50704-0780 Date: 08/02!12 ACT 6 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice Wat the mortgage on your home is in default, and the lender intends to foreclose Specific ~nformahon about the nature of the default is srovided in the attached p ¢es HOMEOWNER'S NAME(S): DONALD BRYSON ADDRESS: 111 VALLEY VIEW DR LOAN ACCT. NO.: MECHANICSBURG PA 17050 NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF TffiS NOTICE IS FOR IlVFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. HOW TO CURE YOUR MORTGAGE DEFAULT Bring it up to date) NATURE OF THE DEFAULT -The MORTGAGE debt held by the above lender on your property located at: 279 SUSQUEHANNA AVE ENOLA PA 17025 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 06/01/12 through 08/01/12. See attached Exhibit for payment breakdown Monthly Payments $ 2173.29 Late Charges $ 261.47 ~ $ 0.00 Inspections $ 0.00 Other (Default Expenses and Fees) $ 0.00 Optional Insurance $ 0.00 Suspense $ 235.77 TOTAL AMOUNT PAST DUE: $ 2198.99 , 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 $ 2198.99, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash cashier's check or certified check made savable and sent to ~ GMAC Mortgage, LLC ATTN: Payment Processing PO Box 780 i 3451 Hammond Avenue Waterloo , IA 50704-0780 IE YOU DO NOT CURE TAE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage 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. If full 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 your mortgaged procerty_ IF 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 attonxys, 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 incurred, 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. >f you cure the default within the THIRTY (30) DAY5 ceriod, you will not be reauired to pav attomey's fees. OTHER LENDER REMEDIES -The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the TTiIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at anv time up to one hour before the Sheriff's Sale. You may do so b~paying the total amount then mast due plus any late or other charges then due. reasonable 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 mortgage to the same position as if you had never defaulted- EARLIEST POSSIBLE 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 of this Notice. A notice of the actual date of the 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. ATTN: Address: Phone Number Fax Number. Contact Person- GMAC Mortgage, LLC Loss Mitigation 2711 North Haskell Ave Suite 900 Dallas, TX 75204 800-850-4622 866-709-4744 Collection Department 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 ff you continuo to livc in the property after the Sheriff s Sale, a lawsuit to remove you and your furnishing and other belongtngs could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You MAY or MAY NOT 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 gaid prior to or at the sale and that the other requirements of the mortgage are satisfied- 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 PAY OFF THIS DEBT_ TO HAVE THIS DEFAULT CURED BY ANY THIItD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSTTION AS IF NO DEFAULT HAD OCCI IRRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIIvfES IN ANY CALENDAR YEAR.) TO ASSERT THE NONEXLSTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTTI'UTED UNDER THE MORTGAGE DOCUMENTS. TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. TO SEEK PROTECTION UNDER FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY LS ENCLOSED Applicable law requires us to inform you we are attempting to collect a debt and any information you provide will be used for that purpose. If you disagree with our assertion that a default has occurred with your mortgage loan, please contact our office immediately at 800-850-4622 and speak with one of our loan counseling representatives. Thank you for your prompt response concerning this matter. Collection Department Loan Servicing 5037 __ EXHIBIT 06/01/12 through 08/01/12 Mo. Pmt Amt $ 724.43 ~in„ '^ LA1~ ~; +~nn{r r. n r nnn~r Trn ~ n n~, ,~ 1664 THE COURTS ~'OItM 1 GMAC Mortgage, LLC f/k/a GMAC Mortgage Corporation 1100 Virgiruia Drive Fort Washington, PA 19034, Vs. plaintiff, Donald E. Bryson a/k/a Donald Eugene Bryson 111 Valley View Th. Mechanicsburg, PA 17050, and Rebecca A. Bryson a/k/a Rebecca Ann Bryson 111 Valley View Dr. Mechanicsburg, PA 17050, Defendants. t c ~.,~ ~, ~-, •,~; x~ " < m ~i "~ z'' t ~~~ O ~ r ~ ,,~ .,.,,F ~ ~ ~ Z D> s- ~ c~ © , ~ , -; rv ~~} _.; ~OTZCE OF RESYDENTIAL MORTGAGE FORECLOSURE Dx'VERSYON' PROGRAM You have been served with a foreclosure complaint that could cause you to lose your home. Yf you own acid live in the residential property which is the subject of this foreclosure action, you may be able to participate ins a court-supervised conciliation conference in an effort to resolve this matter with your lender. Yf you do not have a lav~yer, you vast tape the following steps to be eligible for a conciliation conference. )~ first, within twenty (20) days of your receipt of this notice, you must contact MidPenn Legal Services at (717) 243-9400 extension 2510 or (800} 822-5288 extension 2510 and request appointment of a legal representative at no charge to you. once you have bean appointed a legal representative, you must promptly meet with that legal representative within twenty (20) days of the appointment date. During that~meeting, you must provide the legal representative within twenty (20) days of the appointment date. During that meeting, you must provide the legal representative with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your legal representative complete a 1N THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, pENNSYLVANL4 /off - ~qd (P (~ ~Vrl l~'~1 C1vIL PLNNS'Y'L`VAN7A, BULLETIl~T, VOL. 42, N0.13, b1ARCH 31, 2012 ~~~,. ~~ ~11•n /: ~(nq, n ri n n rn n ran ~~ ~ ~ ~V i~1~~TcAu & A~~Q'v1Al ~~, ~_V !AGO. ~~~~,~ ~~ ~/6 financial worksheet in the format attached hereto, the legal representative will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty (60) days of the service upon you of the foreclosure complaint. Yf you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. Tf you are represented by a lawyer, you and your lawyer must take tltie following steps to be eligible for a conciliation conference. Yt is not necessary for you to contact MidPenn Legal Service for the appointment of a legal representative. However, you must provide your lawyer with all requested financial. information so that a loan resolutionG proposal can be prepared on your behalf. Tf you and your lawyer complete a financial worksheet in the format attached hereto, your lawyer will prepare and file a Request fox Conciliation Conference with the Court, which must be filed with the Court within sixty (60) days of the service upon you of the foreclosure complaint. if you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. IF YOU WISH TO S.A,VE XOUR HOIvZE, 'SOU MUST ACT QUICKLY AND TAKE THE STEPS REQUIRED BY THYS NOTICE. TT~TS PROGRAM YS FREE. Respectfully Date ~~- Patrick J_ Wesner, Milstead & Assoc 220 Lake Drive E. Cherry Hill, N'J OF 856-482-1400 856-482-9190 0 301 pE1VNS'YY.VAIVIA BiJY.1.B'rY1V', '~OYJ. 42, N0.13, MARCH 31, 2012 ~~^'~ ~: Ln~L ~; ~tipti, T]`ilr COUR~"S FORM 2 Cumberland County Residential Mortgage Foreclosure Diversion Program )Finaucial Worksheet Aate Cumberland County Court of Common Pleas Docket # X665 BORROWER REQUEST FOR HARDS~TTI' ASSISTANCE To cozxxplete your request for hardship assistance, your lender must consider your circumstances to determine possible options while working with your Please provide the following information to the best of your knowledge: Borrower name(s): Property Address: City: Ts the property for sale? Realtor Name: Borrower Occupied? Mailing Address (if different): City: Phone Numbers: Email: # of people in household: Mailing Address; City: Phone Numbers: Email: # of people in b,ousehold: State: Zip: Xes ^ No ^ Listing date: 1'~nice: $ Realtor Phone: Yes^No^ State: Zip: Home: Office: Cell: Other, How long? Home: Cell: State: Zip; Ofbce: Othez: flow long2 First Mortgage lender. Type of loan: loan Number: Second Mortgage lender: Type of loan: loan Number: Total Mortgage Payments Anaouztt: Date of last Payment: Primary Reason for Default: Ts the loan in Banlzvptcy? Yes ^ No ^ 72302 Date You Closed'St"our Loan: ' 4/6 Included Taxes & Insurance: pENNSYT,VANIA BlJLX.)rTIN, VOI.. 42, N0.13, Me-RCH 31, 2012 ~y ~ n n ~~ ~ L, ~^ n ~ n ,. ~~ t T! ~T" ~ nn/~n• rrn ~ ~ ~ 1666 THE COURTS If yes, provide names, location of court, case number & attorney: - ,. ~ ~/6 ~~o. L.~,~i~ r. Assets Amount Owed: 'V'alue: T•lome: $ $ Other Real Estate: $ $ Retirement Funds: $ S Investments: $ g Checking: $ $ Savings: $ $ Other- $ $ Automobile #1: Model: Year; Amount Owed: Value: Automobile #2• Model: 'Y'ear: Amount Owed: Value: Other transnortatioa (automobiles_ boats, motorcvclesl- Model: Year: Amount Owed: 'Value Monthly Income Name of Employees: 1. z 3. --- Additional Income Descripvon (noi wages): 1- monthly amount: 2• monthly amount: Borrower pay Days: Co-Borrower Pay Days: 1Vlonthly Expenses: (Please only include expenses you are currently paying) EXPENSE AMOUNT E7~p1.,NSB AMOUNT Mort ale Food 21° Mo aae Utilities Caz Pa ment(s) Condo/Nei h. Fees Auto Insurance Med, not covered Auto fuel/r airs Other ro . a ent Install. Loan Pa ents Cable TV Child Su ort/Alim_ S ending Mone Da /Child Care1'ILit. Other Ex enses Amount Available for Monthly Mortgage Payments Based on Income & Expenses: Have you been working with a housing Counseling Agency? 'Y'es ~ No ^ If yes, please provide the following information: Counseling Agency: Counselor: Phone (Office): ~,zaozs Fax: PENNSYLVANIA BULLETIN, VOL. 42, N0.13, M.4IiCH 31, 2012 l~ov. '~ i~'~ ~.'6~"f fv"i~C~ SAD & ACSOC:A~~C, '_'_C 'Jo. ~??~ r. 6/6 'THE COURTS X66'7 Emai 1: Have you made application for Homeowners Emergency Mortgage Assistance Program (HEMAP) assistance? Yes ^ No ^ if yes, please indicate the status of the application: Have you had any prior negotiations with your lender or lender's loan servicing company to resolve your delinquency? Xes [] No ^ Tf yes, please indicate the status of those negotiations: Please provide the following information, if Ionow, regarding your lender or lender's loan servicing company: Lendex's Contact (Name): _ _ Phone: Servicing Company (Name): Contact: Phone: 1/We, ,authorize the above named to use/refer this infotno,ation to my lender/servicer for the sole purpose of evaluating my financial situation for possible mortgage options.l/We understand that 1/we am/are under no obligation to use the services provided by the above named Borro'oaer Signature Date Co-Borrower Signature pate Please forvrard this document along vYith the following information to leader and lender's counsel: / Proof of income / Past 2 banl~ statements ~ Proof of any expected i~aco-ne for the last 45 days / Copy of a current utility biU ~ Y,etter explaining reason for deli~aquency and any supporting documentation (hardship letter) / T.isting agreement (if property is currently on the market) „~~ SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor ~~~~il~' of iFtir~~p~,{~'~ ,. ., ~~ .. ,~,_ ', ,; 1 i 2112 SEC -3 ~-M f0~ ! 1 ~~ P~~}~ISYLVANIA~T~ GMAC Mortgage, LLC f/k/a GMAC Mortgage Corporation vs. Donald E Bryson (et al.) Case Number 2012-6906 SHERIFF'S RETURN OF SERVICE 11/15/2012 05:52 PM -Deputy Ryan Burgett, being duly sworn according to law, served the requested Complaint in Mortgage Foreclosure by handing a true copy to a person representing themselves to be Tricia Moates, daughter of defendant and occupant, who accepted as "Adult Person in Charge" for Donald E Bryson at 279 Susquehanna Avenue, E. Pennsboro Township, Enola, PA 17025. Defendant does not reside at this address but does reside at the 111 Valley View Drive Drive, Mechanicsburg, Pennsylvania address. _ r--- ` ~~ ~ - RYAN BURGETT, DEP 11/15/2012 08:13 PM -Deputy Ryan Burgett, being duly sworn according to law, served the requested Complaint in Mortgage Foreclosure by "personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Rebecca A Bryson at 279 Susquehanna Avenue, E. Pennsboro Township, Enola, PA 17025. ~- RYAN BURGETT, DEP 11/26/2012 09:25 PM -Deputy Jason Kinsler, being duly sworn according to law, served the requested Complaint in Mortgage Foreclosure by "personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Donald E Bryson at 111 Valley View Drive, Silver Spring Twp., Mechanicsburg, PA 17050. vvv~ SON KINSLER, DEPUTY SHERIFF COST: $79.00 November 27, 2012 SO ANSWERS, RON R ANDERSON, SHERIFF MILSTEAD & ASSOCIATES, LLC FiLEO-OFFICE' BY: Patrick J. Wesner, Esquire CIF THE PROTHONGTAR ID No. 203145 220 Lake Drive East, Suite 301 2013 MAY 22 AM 10: 04 Cherry Hill,NJ 08002 (856)482-1400 Attorney Y%AWD C 0 U N T Y 7.23025 VANIA GMAC Mortgage,LLC f/k/a GMAC COURT OF COMMON PLEAS Mortgage Corporation, f CUMBERLAND COUNTY Plaintiff, No.: 12-6906 Civil Term Vs. Praecipe to Reinstate Complaint in Donald E. Bryson, Mortgage Foreclosure Rebecca A. Bryson, Defendants. TO THE PROTHONOTARY: Kindly reinstate the Complaint in Mortgage Foreclosure for the above captioned matter. MILSTEAD & SOCIA S, LC Patric sRF,/P-s uire Attorney ID No. 2031 5 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff ' X�,jr t atarrf��o� }�d Jody S Smith Chief Deputy - rn " Richard W Stewart Solicitor GMAC Mortgage, LLC f/k/a GMAC Mortgage Corporation * °" vs Case Number Donald E Bryson{et al.) 2012-6906 SHERIFF'S RETURN OF SERVICE 04/25/2013 Deputy Ronald Hoover, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program by handing a true copy to a person representing themselves to be Chelsie Motes, who accepted as"Adult Person in Charge"for Rebecca A Bryson at 279 Susquehanna Avenue, E. Pennsboro Township, Enola, PA 17025. RONALD HOOVER, DEPUTY 04/25/2013 08:07 PM- Deputy Tim Black, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program by"personally"handing a true copy to a person representing themselves to be the Defendant,to wit: Donald E Bryson at 111 Valley View Drive, Silver Spring Twp., Mechanicsburg, PA 17050. TIM LA K, DEPUTY SHERIFF COST: $66.30 SO ANSWERS, April 29, 2013 RbNW R ANDERSON, SHERIFF SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny RAnderson F iL"J-UFr'i:L snenn = i HE PROTH0)40 1 Jody S Smith Chief Deputy 2313 JUN 14 AN 8: 58 Richard w Stewart CUMBERLAND C©UNT't' Solicitor - PENNSYLVANIA GMAC Mortgage, LLC f/k/a GMAC Mortgage Corporation Case Number vs. Donald E Bryson(et al) 2012-6906 SHERIFF'S RETURN OF SERVICE 05129/2013 01:08 PM - Deputy Ryan Burgett, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by handing a true copy to a person representing themselves to be Trisha Motes, daughter of defendant,who accepted as"Adult Person in Charge"for Rebecca A Bryson at 279 Susquehanna Avenue, E. Pennsborc Township, Enola, PA 17025. RYANN BUR GETT, DEPU�4T 05/30/2013 08:31 PM - Deputy Ronald Hoover, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by "personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Donald E Bryson at 111 Valley View Drive, Silver Spring Twp., Mechanicsburg, PA 1170500 RONALD HOOVER, DEPUTY SHERIFF COST. $72.25 SO ANSWERS, 7 May 31, 2013 RONNY R ANDERSON, SHERIFF s �-'1- 1 IL4 MILSTEAD&ASSOCIATES,LLC �`` t .f;( ; �• d�1f•;�� r BY:Patrick J.Wesner,Esquire ID No.203145 29 NJ lei 62 220 Lake Drive East, Suite 301 C u�,[�,_ Cherry Hill,NJ 08002 `f �QU�� ��, (856)482-1400 Attorney for Plaintiff"S YLV/.k�i GMAC Mortgage,LLC f/k/a GMAC Mortgage ; COURT OF COMMON PLEAS Corporation CUMBERLAND COUNTY 1100 Virginia Drive Ft.Washington,PA 19034, i Plaintiff, ' No.: 12-6906 Civil Term Vs. ' Donald E.Bryson 111 Valley View Dr. Mechanicsburg,PA 17050, ' and i Rebecca A.Bryson 279 Susquehanna Avenue, East Pennsboro Twp,Enola,PA 17025, Defendants PRAECIPE FOR JUDGMENT,INREM, FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly enter Judgment, in rem, in favor of Plaintiff and against Donald E.Bryson and Rebecca A. Bryson,Defendants, for failure to file an Answer on Plaintiffs Complaint within 20 days from service thereof and for Foreclosure and sale of the mortgaged premises, and assess Plaintiff's damages as follows: As set forth in Complaint $51,598.82 Interest 10/5/12 through 07/25/13 2,645.79 Late Charges 0.00 TOTAL $54,244.61 1 hereby certify that(1)the addresses of the Plaintiff and Defendants are as show ove and(2)that notice has been given in accordance with Rule 237.1. copy attached. Attorney for Plai DAMAGES A7B BY ASSESSED AS INDICATED t DATE: PROTHONOTARY Q" � e k-.d MILSTEAD &ASSOCIATES, LLC BY: Patrick J. Wesner,Esquire ID No. 203145 220 Lake Drive East, Suite 301 Cherry Hill,NJ 08002 (856)482-1400 Attorney for Plaintiff Our file number: 7.23025 GMAC Mortgage, LLC f/k/a GMAC COURT OF COMMON PLEAS Mortgage Corporation, CUMBERLAND COUNTY Plaintiff, No.: 12-6906 Civil Term Vs. Donald E. Bryson and Rebecca A. Bryson, Defendants. TO: Donald E. Bryson Rebecca A. Bryson 111 Valley View Dr., 279 Susquehanna Avenue„ Mechanicsburg, PA 17050 East Pennsboro Twp, Enola,PA 17025 DATE OF NOTICE: June 25,2013 THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN, AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY,THIS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT,BUT ONLY AS ENFORCEMENT OF LIEN AGAINST PROPERTY. IMPORTANT NOTICE You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to claims set forth against you. Unless you act within ten (10) days from the date of this notice, a judgment may be entered against you without a hearing and you may lose your property or other important rights. You should take this paper to your lawyer at once. If you do not have a lawyer, go to or telephone the office set forth below. This office can provide you with information about hiring a lawyer. If you cannot afford to hire a lawyer, this office may be able to provide you with information about agencies that may offer legal services to eligible persons at a reduced fee or no fee. {00020971} Page 1 of 2 CUMBERLAND COUNTY BAR ASSOCIATION 32 S. BEDFORD STREET CARLISLE, PA 17013 717-249-3166 MILSTEAD & ASSOCIATES, LLC s By:Pafnck 'finer, squires ID No. 203145 Attorney for Plaintiff f i i {00020971) Page 2 of 2 OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Prothonotary To: Donald E. Bryson Rebecca A. Bryson GMAC Mortgage, LLC f/k/a GMAC i COURT OF COMMON PLEAS Mortgage Corporation, i CUMBERLAND COUNTY Plaintiff, No.: 12-6906 Civil Term Vs. Donald E. Bryson, and Rebecca A. Bryson, Defendants NOTICE PURSUANT TO RULE 236 Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below. Prothonotary MORTGAGE FORECLOSURE JUDGMENT BY DEFAULT IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: PATRICK J. WESNER, ESQ. #203145 MILSTEAD & ASSOCIATES, LLC 856-482-1400 Notice Pursuant To Fair Debt Collection Practices Act This is an attempt to collect a debt and any information obtained will be used for that purpose. MILSTEAD &ASSOCIATES, LLC BY: Patrick J. Wesner, Esquire ID No. 203145 220 Lake Drive East, Suite 301 Cherry Hill,NJ 08002 (856) 482-1400 Attorney for Plaintiff GMAC Mortgage, LLC f/k/a GMAC COURT OF COMMON PLEAS Mortgage Corporation, CUMBERLAND COUNTY Plaintiff, No.: 12-6906 Civil Term Vs. Donald E. Bryson, and Rebecca A. Bryson, Defendants ' VERIFICATION OF NON-MILITARY SERVICE Patrick J. Wesner, Esquire, hereby certifies that he is attorney for the Plaintiff in the above-captioned matter, and verifies the following facts to the best of his information and belief. 1. inquiry has been made with the Department of Defense, and it has been determined that Defendants are are not in the Military or Naval Service of the United States or its Allies, and/or do not fall within the provisions of the Servicemembers Civil Relief Act of 2003, 50 USC App.§ 501 2. defendant, Donald E. Bryson, is over 18 years of age, 3. defendant, Rebecca A. Bryson, is over 18 years of age, . PatricTc J. Wesri r, Esquire Department of Defense Manpower Data Center • SCRA 3.0 ,I stII as R .poll Pursuant to Scrvicememben Civil R.ehof tact Last Name: BRYSON First Name: DONALD Middle Name: Active Duty Status As Of: Jul-26-2013 On Active Duty On Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component ,. NA NA ,i� No?, NA This response reflects the individuals'active duty status based on the Active Duly Status Date Left Active Duty Within 367 Days of Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA - i No NA This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date a The Member or His/Her Unit Was Notified of a Future Call-Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Date Status Service Component NA .NA. .:mss., r' No NA This response reflects whether the individual or his/her unit has received earty notifhcation'tto report for active duty Upon searching the data banks of the Department of Defense Manpower Data Center,based on the information that you provided,the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services(Army,Navy,Marine Corps,Air Force,NOAA,Public Health,and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. HOWEVER,WITHOUT A SOCIAL SECURITY NUMBER,THE DEPARTMENT OF DEFENSE MANPOWER DATA CENTER CANNOT AUTHORITATIVELY ASSERT THAT THIS IS THE SAME INDIVIDUAL THAT YOUR QUERY REFERS TO.NAME AND DATE OF BIRTH ALONE DO NOT UNIQUELY IDENTIFY AN INDIVIDUAL. Mary M.Snavely-Dixon,Director Department of Defense-Manpower Data Center 4800 Mark Center Drive,Suite 04E25 Arlington,VA 22350 - The Defense Manpower Data Center(DMDC)is an organization of the Department of Defense(DoD)that maintains the Defense Enrollment and Eligibility R,eporting System(DEERS)database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act(50 USC App.§501 et seq,as amended)(SCRA)(formerly known as the Soldiers'and Sailors'Civil Relief Act of 1940). DMDC has issued hundreds of thousands of"does not possess any information indicating that the individual is currently on active duty"responses,and has experienced only a small error rate. In the event the individual referenced above,or any family member,friend,or representative asserts in any manner that the individual was on active duty for the active duty status date,or is otherwise entitled to the protections of the SCRA,you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil"URL:http://www.defenselink.mil/faq/pis/PC09SLDR.html. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification,punitive provisions of the SCRA may be invoked against you. See 50 USC App.§521(c). This response reflects the following information: (1)The individual's Active Duty status on the Active Duty Status Date(2)Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date(3)Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC§101(d)(1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard,this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC§502(f)for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve(AGR)members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves(TARs),Marine Corps Active Reserve(ARs)and Coast Guard Reserve Program Administrator(RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S, Public Health Service or the National Oceanic and Atmospheric Administration(NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA,as defined in accordance with 10 USC§101(d)(1). Many times orders are amended to extend the period of active duty,which would extend SCRA protections.Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore,some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted,but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members'Under the SCRA are protected WARNING: This certificate was provided based on a last name,SSN/date of birth,and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. Certificate ID: V39CC5BEN07E460 Department of Defense Manpower Data Center "`°""'° SCRA 3.0 Status Report fs Pursuant to Servicememben Civil Relief Act �f Last Name: BRYSON First Name: REBECCA Middle Name: Active Duty Status As Of: Jul-26-2013 On Active Duty On Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA - No NA This response reflects the individuals'active duty status based on the Active'Duty Status Date v i r ra Left Active Duty Within 367 Days of Active Duty Status Date Active Duty Start Date Active Duty End Date status Service Component NA NA - No r NA This response reflects w_here the individual left active dutystatus within 367 days preceding the Active Duty Status Date The Member or His/Her Unit Was Notified of a Future Call-Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Date Status Service Component NA NA • No NA This response reflects whether the individual or his/her unit has received early notification to report for active duty r' Upon searching the data banks of the Department of Defense Manpower Data Center,based on the information that you provided,the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services(Army,Navy,Marine Corps,Air Force,NOAH,Public Health,and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. HOWEVER,WITHOUT A SOCIAL SECURITY NUMBER,THE DEPARTMENT OF DEFENSE MANPOWER DATA CENTER CANNOT AUTHORITATIVELY ASSERT THAT THIS IS THE SAME INDIVIDUAL THAT YOUR QUERY REFERS TO.NAME AND DATE OF BIRTH ALONE DO NOT UNIQUELY IDENTIFY AN INDIVIDUAL. A � r Mary M.Snavely-Dixon,Director Department of Defense-Manpower Data Center 4800 Mark Center Drive,Suite 04E25 Arlington,VA 22350 The Defense Manpower Data Center(DMDC)is an organization of the Department of Defense(DoD)that maintains the Defense Enrollment and Eligibility Reporting System(DEERS)database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act(50 USC App.§501 et seq,as amended)(SCRA)(formerly known as the Soldiers'and Sailors'Civil Relief Act of 1940). DMDC has issued hundreds of thousands of"does not possess any information indicating that the individual is currently on active duty"responses,and has experienced only a small error rate. In the event the individual referenced above,or any family member,friend,or representative asserts in any manner that the individual was on active duty for the active duty status date,or is otherwise entitled to the protections of the SCRA,you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil"URL:http://www.defenselink.mil/faq/pis/PC09SLDR.htmi. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification,punitive provisions of the SCRA may be invoked against you. See 50 USC App.§521(c). This response reflects the following information: (1)The individual's Active Duty status on the Active Duty Status Date(2)Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date(3)Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC§101(d)(1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard,this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC§502(f)for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve(AGR)members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves(TARs),Marine Corps Active Reserve(ARs)and Coast Guard Reserve Program Administrator(RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration(NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA,as defined in accordance with 10 USC§101(d)(1). Many times orders are amended to extend the period of active duty,which would extend SCRA protections.Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore,some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted,but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name,SSN/date of birth,and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. Certificate ID: C3VDG50E207EJE0 MILSTEAD & ASSOCIATES, LLC BY: Patrick J. Wesner, Esquire ID No. 203145 220 Lake Drive East, Suite 301 Cherry Hill,NJ 08002 (856)482-1400 Attorney for Plaintiff File No. 2.23025 GMAC Mortgage, LLC f/k/a GMAC COURT OF COMMON PLEAS Mortgage Corporation CUMBERLAND COUNTY i Plaintiff, No.: 12-6906 Civil Term Vs. CIVIL ACTION Donald E. Bryson MORTGAGE FORECLOSURE Rebecca A. Bryson Defendants CERTIFICATE OF SERVICE I, Patrick J. Wesner, Esquire, do hereby certify that the Complaint in Mortgage Foreclosure was served upon Defendants, Donald E. Bryson and Rebecca A. Bryson on April 25, 2013 by the Cumberland County Sheriff. A copy of the Service Returns are attached hereto and made a part hereof as Exhibit"A". I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of t 8Pa.C.S. § 4904 relating to unsworn falsification to authorities. tie ner, ES uire Attorney for Plainthf i N I SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith „r�' o'� Chief Deputy , Richard W Stewart ' Solicitor - IC. `�r NE$!.:=kIFF GMAC Mortgage, LLC f/k/a GMAC Mortgage Corporation Case Number vs. Donald E Bryson (et al.) 2012-6906 SHERIFF'S RETURN OF SERVICE 05/29/2013 01:08 PM - Deputy Ryan Burgett, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by handing a true copy to a person representing themselves to be Trisha Motes, daughter of defendant, who accepted as"Adult Person in Charge"for Rebecca A Bryson at 279 Susquehanna Avenue, E. Pennsboro Township, Enola, PA 17025. RYAN BURGETT, DEPUY� 05/30/2013 08:31 PM- Deputy Ronald Hoover, being duly sworn according to law, served the requested Notice.of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by 11 personally'handing a true copy to a person representing themselves to be the Defendant, to wit: Donald E Bryson at 111 Valley View Drive, Silver Spring Twp., Mechanicsburg, PEA 17050. RONALD HOOVER DEPUTY SHERIFF COST: $72.25 SO ANSWERS, i May 31, 2013 RONNY R ANDERSON, SHERIFF (c)OountySulle Sheriff Toleosoft Inc. IN THE'COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA GM AC Mortgage, LLC f/k/a GMAC ' CIVIL ACTION Mortgage Corporation, Plaintiff, ; NO.: 12-6906 Civil Term i Vs. i PRAECIPE FOR WRIT OF EXECUTION (Mortgage Foreclosure) Donald E. Bryson and CM Rebecca A. Bryson, ZZ M �r Defendants. -0 Off. TO THE PROTHONOTARY OF CUMBERLAND COUNTY: c v ` °r-,- 1. Directed to the Sheriff of CUMBERLAND County; 2. Against the Defendant(s) in the above-captioned matter; 3. and index this writ against the Defendant(s) as follows: Donald E. Bryson Rebecca A. Bryson Real Property involved: 279 Susquehanna Ave. Enola, PA 17025 Amount Due $54,244.61 Interest from 7/26/13 to Date of Sale at $9.03 per diem (6%) TOTAL (Costs to be added) Respectively submitted, Milstead & Associates, LLC ' DATE: August 'Sb ' 2013 er, �squ e -.D Attorney for Plaint' f -75- Co 220 Lake Drive Ea t Suite 301 u ' , S� - Cherry Hill, NJ 08 2 s A, 0 ' / Do 1161 f Jai a � TRACT NO. 1: - 111 VALLEY VIEW DRIVE ALL THAT CERTAIN PIECE OF PARCEL OF LAND SITUATED IN THE TOWNSHIP OF SILVER SPRING, COUNTY OF CUMBERLAND AND COMMONWEALTH PENNSYLVANIA, MORE PARTICULARLY BOUNDED AND DESCRIBED AS FOLLOWS,TO WIT: BEGINNING AT A POINT ON THE SOUTHERN RIGHT-OF-WAY LINE OF PUBLIC ROAD L. R. 21019 AT THE DIVIDING LINE BETWEEN LOTS NOS. 3 AND 4 AS SHOWN ON THE PLAN OF LOTS HEREINAFTER MENTIONED; THENCE ALONG THE DIVIDING LINE BETWEEN LOTS NOS. 3 AND 4 AS SHOWN ON SAID PLAN OF LOTS, SOUTH 13 DEGREES 35 MINUTES EAST,A DISTANCE OF TWO HUNDRED THIRTY-FOUR(234)FEET TO A POINT AT LINE OF LANDS NOW OR FORMERLY OF MERVIN A.RAUDBAUGH; THENCE ALONG THE SAID LINE OF LANDS NOW OR FORMERLY OF MERVIN A.RAUDBAUGH, SOUTH 75 DEGREES 35 MINUTES WEST,A DISTANCE OF ONE HUNDRED EIGHTY- SEVEN(187)FEET TO A POINT AT THE SOUTHEAST CORNER OF LOT NO. 2 AS SHOWN ON THE HEREINAFTER MENTIONED PLAN OF LOTS;THENCE ALONG THE DIVIDING LINE BETWEEN LOTS NOS.3 AND 2 AS SHOWN ON SAID PLAN OF LOTS,NORTH 1.3 DEGREES 25 MINUTES WEST A DISTANCE OF TWO HUNDRED THIRTY-FOUR(234)FEET TO A POINT ON THE SOUTHERN RIGHT-OF-WAY LINE OF PUBLIC ROAD L. R. 21019 FIRST MENTIONED ABOVE; THENCE ALONG SAID SOUTHERN RIGHT-OF-WAY LINE OF PUBLIC ROAD L. R. 21019,NORTH 76 DEGREES 35 MINUTES EAST,A DISTANCE OF ONE HUNDRED EIGHTY-FIVE AND SEVENTY-FIVE HUNDREDTHS(185.75)FEET,TO A POINT ON THE SAME AT THE DIVIDING LINE BETWEEN LOTS NOS. 3 AND 4 AS SHOWN ON THE PLAN OF LOTS HEREINAFTER MENTIONED,THE POINT AND PLACE OF BEGINNING. TRACT NO.2: -279 SUSQUEHANNA AVENUE ALL THAT CERTAIN LOT OF LAND SITUATE IN THE TOWNSHIP OF EAST PENNSBORO, COUNTY OF CUMBERLAND AND STATE OF PENNSYLVANIA,BEING MORE PARTICULARLY BOUNDED AND DESCRIBED AS FOLLOWS, TO WIT: BEGINNING AT A POINT ON THE EAST SIDE OF WYOMING AVENUE AT THE SOUTHERN EXTREMITY OF THE ARC OF CURVE HAVING A RADIUS OF 10 FEET CONNECTING THE EAST SIDE OF WYOMING AVENUE AND THE SOUTH SIDE OF SUSQUEHANNA AVENUE; THENCE NORTHEASTWARDLY BY THE SAID ARC OR CURVE HAVING A RADIUS OF 10 FEET, 16.781 FEET TO A POINT ON THE SOUTH SIDE OF SUSQUEHANNA AVENUE AT THE NORTHERN EXTREMITY OF SAID ARC OR CURVE;THENCE ALONG THE SOUTHERN LINE OF SUSQUEHANNA AVENUE,NORTH 79 DEGREES 40 MINUTES EAST 50 FEET TO A POINT AT THE CORNER OF LANDS NOW OR LATE OF JOSEPH EICHEL;THENCE BY SAID LANDS SOUTH 10 DEGREES 20 MINUTES EAST 152 FEET TO A POINT;THENCE SOUTH 79 DEGREES 40 MINUTES WEST 60 FEET TO A POINT AT THE EAST SIDE OF WYOMING AVENUE;THENCE ALONG THE EAST SIDE OF WYOMING AVENUE NORTH 10 DEGREES 20 MINUTES WEST 142 FEET TO THE POINT AND PLACE OF BEGINNING. Title to said premises is vested in Donald E.Bryson and Rebecca A. Bryson, husband and wife,by deed from William C.McDonald,unmarried widower,dated 312/1994 and recorded 3(7(1994 in the Cumberland County Recorder of Deeds in Book 102,Page 336. Being known as 279 Susquehanna Ave.,Enola,PA 17025 Tax Parcel Number: 14-0832-0092-0000000-092 MILSTEAD&ASSOCIATES,LLC BY:Patrick J.Wesner,Esquire r- OF ID No.203145 WON 220 Lake Drive East,Suite 301 1613 SEp 0 TA I? Cherry Hill,NJ 08002 -3 (856)482-1400 Attorney for Plaintiff COU4_ File Number: 55.23025 PEM�S y/ 14 0 11 , 1 y GMAC Mortgage,LLC f/k/a GMAC Mortgage COURTMHCOMMON PLEAS Corporation, CUMBERLAND COUNTY Plaintiff, No.: 12-6906 Civil Term Vs. AFFIDAVIT OF SERVICE Donald E.Bryson PURSUANT TO RULE 3129.1 and Rebecca A.Bryson, Defendants. GMAC Mortgage, LLC f/k/a GMAC Mortgage Corporation, Plaintiff in the above entitled cause of action, sets forth as of the date the praecipe for writ of execution was filed the following information concerning the real property located at 279 Susquehanna Ave.,Enola,PA 17025: 1. Name and address of Owners(s) or Reputed Owner(s): Donald E.Bryson Rebecca A.Bryson 1 1 1 Valley View Dr. 279 Susquehanna Avenue, Mechanicsburg,PA 17050 East Pennsboro Twp,Enola,PA 17025 2. Name and address of Defendant(s) in the Judgment: Same as above 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: GMAC Mortgage,LLC f/k/a GMAC Mortgage Bureau of Compliance Corporation Dept 280948 (Plaintiff herein) Harrisburg,PA 17128 1661 Worthington Road,Suite 100 West Palm Beach,FL 33409 4. Name and Address of the last recorded holder of every mortgage of record: GMAC Mortgage,LLC f/k/a GMAC Mortgage First National Bank of Marysville Corporation 200 Front Street,PO Box B (Plaintiff herein) Marysville,PA 17053 1661 Worthington Road,Suite 100 West Palm Beach,FL 33409 J_ 5. Name and address of every other person who has any record lien on the property: None Known 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: None Known 7. Name and address of every person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Tenant/Occupant Department of Domestic Relations 279 Susquehanna Ave. Cumberland County Courthouse Enola,PA 17025 13 N.Hanover Street Carlisle,PA 17013 Commonwealth of Pennsylvania Department of Welfare East Pennsboro Township Tax Office P.O.Box 2675 98 S.Enola Drive,Room 101 Harrisburg,PA 17105, Enola,PA 17025 Cumberland County Tax Bureau East Pennsboro Area School District 21 Waterford Drive, Suite 201 890 Valley Street Mechanicsburg,PA 17050 Enola,PA 17025 1 verify that the statements made in the Affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsificaition to authorities. Patrick J. Wes,"r'squire i Attorney for P iff Date: August SO 2013 MILSTEAD & ASSOCIATES, LLC IONO BY: Patrick J. Wesner, Esquire ?813 f p „ 4 f ID No. 203145 G� S �fa: 220 Lake Drive East, Suite 301 ERL Cherry Hill,NJ 08002 PEA S 3'(A j (856) 482-1400 Attorney for Plaintiff File Number: 55.23025 GMAC Mortgage,LLC f/k/a GMAC COURT OF COMMON PLEAS Mortgage Corporation, CUMBERLAND COUNTY Plaintiff, No.: 12-6906 Civil Term Vs. NOTICE OF SHERIFF'S SALE OF Donald E. Bryson, REAL PROPERTY PURSUANT and TO PA.R.C.P.3129 Rebecca A. Bryson, Defendants. TAKE NOTICE: Your house (real estate) at 279 Susquehanna Ave., Enola, PA 17025, is scheduled to be sold at sheriff's sale on December 4, 2013 at 10:00 am in the Commissioner's Hearing Room, Cumberland County Courthouse, Carlisle, PA 17013 to enforce the Court Judgment of $54,244.61 obtained by GMAC Mortgage, LLC f/k/a GMAC Mortgage Corporation. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To Prevent this Sheriff's Sale you must take immediate action: 1. The Sale will be cancelled if you pay to Milstead & Associates LLC, Attorney for Plaintiff, back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay, you may call 856-482-1400. 2. You may be able to stop the Sale by filing a petition asking the court to strike or open the Judgment, if the Judgment was improperly entered. You may also ask the Court to postpone the Sale for good cause. 3. You may also be able to stop the Sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the Sale. (See notice on following page on how to obtain an attorney). YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the bid price by calling Milstead & Associates at 856-482-1400. 2. You may be able to petition the Court to set aside the Sale if the bid price was grossly inadequate compared to the market value of your property. 3. The Sale will go through only if the Buyer pays the Sheriff the full amount due on the Sale. To find out if this has happened you may call Milstead and Associates at 856-482-1400. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the Sale never happened, 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a Deed to the Buyer. At that time, the Buyer may bring legal proceedings to evict you. 1 6. You may be entitled to a share of the money which was paid for your house. A Schedule of distribution of the money bid for your house will be filed by the Sheriff on a date specified by the Sheriff not later than thirty days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the Sale. YOU SHOULD TAKE THIS PAPER TO YOU LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 717-249-3166 55.23025 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO 2012-6906 Civil COUNTY OF CUMBERLAND) CIVIL ACTION—LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due GMAC MORTGAGE,LLC f/k/a GMAC MORTGAGE CORPORATION Plaintiff(s) From DONALD E.BRYSON and REBECCA A.BRYSON (1) You are directed to levy upon the property of the defendant(s)and to sell SEE LEGAL DESCRIPTION You are also directed to attach the property of the defendant(s)not levied upon in the possession of GARNISHEE(S)as follows: and to notify the garnishee(s)that: (a) an attachment has been issued; (b)the garnishee(s) is enjoined from paying any debt to or for the account of the defendant(s) and from delivering any property of the defendant(s)or otherwise disposing thereof, (2) If property of the defendant(s)not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due$54,244.61 Plaintiff Paid$ Interest FROM 7/26/13 TO DATE OF SALE AT$9.03 PER DIEM(6%) Attorney's Comm. % Law Library$.50 Attorney Paid$389.80 Due Prothonotary$2.25 Other Costs$ -TO BE ADDED Date: Sept.3,2013 David D.Buell,Prothonotary (Seal) Deputy REQUESTING PARTY: Name : Patrick J.Wesner,Esq. Address: Milstead&Associates,LLC,220 Lake Drive East,Suite 301,Cherry Hill,NJ 08002 Attorney for: Plaintiff Telephone: 856-482-1400 Supreme Court ID No.203145 r Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W. Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY r THE PRO FHO O iARY APR 30 Pli 3.07 CUMBERLAND COUNTY PENNSYLVANIA OFFiCE OF THE S ,ER FF- GMAC Mortgage, LLC Case Number vs. Donald E Bryson (et al.) 2012 -6906 SHERIFF'S RETURN OF SERVICE 09/27/2013 10:40 AM - Deputy Jason Kinsler, being duly sworn according to law, served the requested Real Estate Writ, Notice and Description, in the above titled action, by making known its contents and at the same time personally handing a true copy to a person representing themselves to be the Defendant, to wit: Donald E Bryson at 111 Valley View Drive, Silver Spring Twp., Mechanicsburg, PA 17050, Cumberland County. 09/27/2013 08:28 PM - Deputy Stephen Bender, being duly sworn according to law, states service was performed by posting a true copy of the requested Real Estate Writ, Notice and Description, and Sale Handbill in the above titled action, upon the property located at 279 Susquehanna Avenue, Silver Spring - Township, Enola, PA 17025, Cumberland County. 10/04/2013 09:28 PM - Deputy Jason Kinsler, being duly sworn according to law, served the requested Real Estate Writ, Notice and Description, in the above titled action, by making known its contents and at the same time personally handing a true copy to a person representing themselves to be the Defendant, to wit: Rebecca A Bryson at 111 Valley View Drive, Silver Spring Twp., Mechanicsburg, PA 17050, Cumberland County. As directed by Patrick J. Wesner, Attorney for the Plaintiff, Sheriffs Sale Continued to 1/8/2014 As directed by Patrick J. Wesner, Attorney for the Plaintiff, Sheriffs Sale Continued to 3/12/2014 Ronny R Anderson, Sheriff, being duly sworn according to law, states that this writ is returned "stayed ", per letter of instruction from Attorney. 12/03/2013 01/07/2014 03/11 /2014 SHERIFF COST: $1,572.62 April 30, 2014 CouniySu:"e Sheriff, Telecsott, Inc. SO ANSWERS, RONNW R ANDERSON, SHERIFF is LXII 41 CUMBERLAND LAW JOURNAL 10/11/13 Writ No. 2012 -6906 Civil Term GMAC MORTGAGE, LLC vs. DONALD E. BRYSON, Rebecca A. Bryson a /k /a Rebecca Ann Bryson Atty.: Patrick J. Wesner TRACT NO. 1: -111 VALLEY VIEW DRIVE ALL THAT CERTAIN piece of par- cel of land situated in the Township of Silver Spring, County of Cumberland and Commonwealth Pennsylvania, more particularly bounded and de- scribed as follows, to wit: BEGINNING at a point on the southern right -of -way line of Public Road L. R. 21019 at the dividing line between Lots Nos. 3 and 4 as shown on the Plan of Lots herein- after mentioned; thence along the dividing line between Lots Nos. 3 and 4 as shown on said Plan of Lots, South 13 degrees 35 minutes East, a distance of two hundred thirty-four (234) feet to a point at line of lands now or formerly of Mervin A. Raud- baugh; thence along the said line of lands now or formerly of Mervin A. Raudbaugh, South 75 degrees 35 minutes West, a distance of one hundred eighty-seven (187) feet to a point at the southeast corner of Lot No. 2 as shown on the hereinafter mentioned Plan of Lots; thence along the dividing line between Lots Nos. 3 and 2 as shown on said Plan of Lots, North 13 degrees 25 minutes West a distance of two hundred thirty-four (234) feet to a point on the southern right -of -way line of Public Road L. R. 21019 first mentioned above; thence along said southern right -of- way line of Public Road L. R. 21019, North 76 degrees 35 minutes East, a distance of one hundred eighty-five and seventy-five hundredths (185.75) feet, to a point on the same at the dividing line between Lots Nos. 3 and 4 as shown on the Plan of Lots hereinafter mentioned, the point and place of BEGINNING. TRACT NO. 2: -279 SUSQUE- HANNA AVENUE ALL THAT CERTAIN lot of land situate in the Township of East Pennsboro, County of Cumberland and State of Pennsylvania, being more particularly bounded and de- scribed as follows, to wit: BEGINNING at a point on the east side of Wyoming Avenue at the southern extremity of the arc of curve having a radius of 10 feet connecting the east side of Wyoming Avenue and the south side of Susquehanna Av- enue; thence northeastwardly by the said arc or curve having a radius of 10 feet, 16.781 feet to a point on the south side of Susquehanna Avenue at the northern extremity of said arc or curve; thence along the southern line of Susquehanna Avenue, North 79 degrees 40 minutes East 50 feet to a point at the corner of lands now or late of Joseph Eichel; thence by said lands South 10 degrees 20 minutes East 152 feet to a point; thence South 79 degrees 40 minutes West 60 feet to a point at the east side of Wyoming Avenue; thence along the east side of Wyoming Avenue North 10 degrees 20 minutes West 142 feet to the point and place of BEGINNING. Title to said premises is vested in Donald E. Bryson and Rebecca A. Bryson, husband and wife, by deed from William C. McDonald, unmar- ried widower, dated 3/2/1994 and recorded 3/7/1994 in the Cumber- land County Recorder of Deeds in Book 102, Page 336. Being known as 279 Susque- hanna Ave., Enola, PA 17025. Tax Parcel Number: 14 -0832- 0092- 0000000 -092. 30 PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA : ss. COUNTY OF CUMBERLAND : Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz: October 11, October 18 and October 25, 2013 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. a Marie Coyne, liditor SWORN TO AND SUBSCRIBED before me this 25 day of October, 2013 NOTARIAL SEAL DEBORAH A COLLINS Notary Public CARLISLE BOROUGH, CUMBERLAND COUNTY My Commission Expires Apr 28, 2014 'The Patriot -News Co. --2020 Technology Pkwy Suite 300 Mechanicsburg, PA 17050 Inquiries - 717- 255 -8213 CUMBERLAND CO. SHERIFFS OFFICE CUMBERLAND COUNTY COURT HOUSE CARLISLE PA 17013 iie patriotXews Now you know THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} ss Marianne Miller, being duly sworn according to law, deposes and says: That she is the Assistant Controller of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 2020 Technology Pkwy, Suite 300, in the Township of Hampden, County of Cumberland, State of Pennsylvania, owner and publisher of The Patriot -News and The Sunday Patriot -News newspapers of general circulation, printed and published at 1900 Patriot Drive, in the City, County and State aforesaid; that The Patriot -News and The Sunday Patriot -News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and /or Sunday/ Community Weekly editions which appeared on the date(s) indicated below. That neither she nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That she has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot -News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book "M ", Volume 14, Page 317. r 2012 -6906 GMAC MORTGAGE, LLC 1 vs. DONALD E BRYSON A Bryson, a/k/a Rebecc Ann Bryson Ally: Patrick J. Wesner TRACT NO. 1: - 111 VALLEY VIEW DRIVE ALL THAT CERTAIN PIECE OF PARCEL OF LAND SITUATED IN THE TOWNSHIP OF SILVER SPRING, COUNTY OF CUMBERLAND AND COMMONWEALTH PENNSYLVANIA, MORE PARTICULARLY BOUNDED AND DESCRIBED AS FOLLOWS, TO WIT: BEGINNING AT A POINT ON THE SOUTHERN RIGHT -OF -WAY LINE OF PUBLIC ROAD L. R. 21019 AT THE DIVIDING LINE BETWEEN •. 'LOTS ..NOS.,3,AND 4 AS- SHOWN ON THE PLAN OF LOTS, HEREINAIH 1 bR MENTIONED; THENCE ALONG THE DIVIDING LINE BETWEEN LOTS 1 NOS. 3 AND 4 AS SHOWN ON SAID i PLAN OF LOTS, SOUTH 13 DEGREES 35 MINUTES EAST, A DISTANCE OF e TWO HUNDRED R kOUR S (234) FEET TO A POINT AT LINE OF A LANDS NOW OR FORMERLY OF ;5. MERVIN A. RAUDBAUGH; THENCE d et min THF. SAID LINE OF LANDS This ad ran on the date(s) shown below: 10/13/13 10/20/13 10/27/13 J Sworn to nd subscribed bef;re me this 11 day of November, 2013 A.D. llc COMMONWEALTH OF PENNSYLVANIA Notarial Seal Holly Lynn %forfeit Notary Public Washington Twp,, Dauphin County My CUrimis. Ion Expires Doc. 12 2016 MEMBER, PENH- IW NIA /-490 N OF NOTARIES