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HomeMy WebLinkAbout04-5307Donald L. Kornfield Kornfield and Benchoff, LLP 17 North Church Street Waynesboro, PA 17268 (717) 762-8222 FAX 762-6544 don@kornfield.net Atty. I.D. #19242 PATRIOT FEDERAL CREDIT UN20N Plaintiff vs. IN THE COURT OF COMMON PLEAS OF THE 9TH JUDICIAL DISTRICT, PA. CUMBERLAND COUNTY BRANCH CIVIL ACTION - LAW MATTHEW J. NORI ( Defendant # ~~- S3a7 ~tVt,l, 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 an 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 maybe entered against you by the Court without further notice for any money claimed in the complaint or for any other claims or relief requested by the Plaintiff. You may lose money ar property or other rights important to you. 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 PROVIDF. YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WTTH INFORMATION ABOUT 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 Telephone Number: 800-990-9108 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. AMERICANS WITH DISABILITIES ACT OF 1990 The Court of Common Pleas of Cumberland County is required by law to comply with the Americans with Disabilities Act of 1990. For information about accessible facilities and reasonable accommodations available to disabled individuals having business before the Court, please contact our office. All arrangements must be made at least 72 hours prior to any hearing or business before the Court. You must attend the scheduled conference or hearing. PATRIOT FEDERAL CREDIT UNION Plaintiff vs. IN THE COURT OF COMMON PLEAS OF THE 9TH JUDICIAL DISTRICT, FA. CUMBERLAND COUNTY BRANCH CIVIL ACTION - LAW MATTHEW J. NORI n f Defendant # ©~-~ S3a'~ l~tU~l., ~fL"Yl COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff, Patriot Federal Credit Union, of 800 Wayne Avenue, Chambersburg, Pennsylvania, brings this action to foreclose a mortgage dated December 10, 2002, between Matthew J. Nori, Mortgagor, and Patriot Federal Credit Union, Mortgagee, which is recorded in Cumberland County Mortgage Book Volume 1787, Page 3211, a copy of said mortgage executed by Defendant is attached hereto and made a past hereof as Exhibit "A". 2. The land subject to the mortgage is situate at 6 Koser Road, North Newton Township, Cumberland County, Pennsylvania, conveyed to Defendant by deed of Mel Martinez, Secretary of Housing and Urban Development, dated November 10, 2002, and recorded in Cumberland County Deed Book Volume 254, Page 3020, a copy of which deed is attached hereto and made a part hereof as Exhibit "B". 3. The mortgage has not been assigned. 4. Defendant is the real owner of the land subject to the mortgage and his address is 662 Walnut Bottom Road, Shippensburg, PA 17257. 5. The mortgage is in default because Defendant has failed to make payments upon the Mortgage. Notices of default in the form of Act 91 were delivered to Defendant by first class mail with proof of mailing and certified mail dated September 10, 2004. Copies of the Notice, mailing receipts and returned unclaimed envelope are attached hereto, made a part hereof and marked Exhibit ..C,. 6. The following amounts are due on the mortgage: a. Principal and interest $16,872.10 b. Attorney's collection fee 2.530.81 Total $19,402.41 WHEREFORE, Plaintiffprays the court to enter judgment in mortgage foreclosure against Defendant in the monetary sum of $19,402.91 together with costs and interest at the contract rate after judgment. AND By Ronald L: K Attorney for Apr-14-04 10:16 from-P F C U 7172636020 T-697 P.612/019 F-131 5~(~5~ e-- WHEN RECORDED, MAIL 70 -atAor Ld.nl endtt pnfon v.o. awl Ira, coo Itryn. Awlut awwanaure, PA 172at rnseRr P, zrFCI.ER RECORDER OP,Dt:$DS r. :N9BRLAND COUNTY•P„ ' J2 DEC 17 Ai7113.~ RETORN1Dr PATRJG[ FEOERAI CREDIT UNION P.0.807<178 , CNlif48fR38UROPA ~MOlAT7$ MACt.ee.VaTiaf WtlMllaeeeoeMt uee OPEN•END MORTQAGE TH1g MDMIiA6a 8e0pgE0 PU7YRE ADVANCES UNDER A CgADl7 A6flEEME~N7' WHICNOPRO~VIDE9 FDR A~REVOLVINO~N~E OPNGRE~DITDeAND MAY CONTAIN A VARIABLE SATE OP INTEREST. THIS MORTGAGE 1•Ssoudty InaBUmam•1 Ia mede on oeereMr io, 2ao[ .The Mortpapor la sAnxty ~ aatl 662 a.[nat -ettAe eew, thippwnburt. M 17i[7 M ^ alriet- »ntn PBOrrowar•!, Tha Mortgagee hl P}trror !lGrstS,rtdH Unltn _ . ^ aorooradon orgenlud and ellladnp undo the taws of rmnwNe.nla whoao address Ie v.o. ae. T7e, soo Invn Avrlw, chrierlprs, vA t72ot i'Lends•I. WHEREAS, Borrower A Ndebted to Lander ss dascrExd 1n thL psepraphl 74 SECURE to Lendart til Tho repaymaM of all Indebtedness dw end to baGms duo ender the terms and condl8ona of tM tAANUNPR Fbmt Equ1H Plan Gadtt Agnsmant and Truttrht-bndinp Dlacbsures medo by Borrower arut dated 810 same tlsy a thU SecuBty Ineaumalr; end ell modltica8om, smendmmu, sMsnalons end renewals thereof Ihereln •tksdl[ Apnemem•1. Lends has sgraad to males advance to Borrows under the [arms of the Gadit Aproeman; which advances will be of ^ nvolvtng nature end may be mede, Heald, end remade tram limo to time. Borrows end lender contemplatr a ssdee M advances to bo sewrad by this Sacudty Imrwmen; The taW aueshndinp p8nclpd balena- owlnp et env ofle time undor the Gsdlt Agreamant (not (noludlnp BnanG tlprpus thereon a[ a rate whloh may vary N•om time to time, and any other ohsrpea end copeetion Opsis whleh maybe pwinp Irom thm to 8ma under the Credit Apnrmentl shall not sxosed _ ~.yent,n„ rMy pa 0a/10e ~fw[ sum It retsrred to hareln as the Maximum Prinelpat Betenca and ntam to eM CredlC Aereemant u she Credit Limit. On tM Finai Payment Data. ,~7 years lrom the don ot.8/Ia.SaauriH•Insuumen;.the.on8n lndebtednpa.ylnda.the Crad)t _,,,,., Agreement, if net paid earlier, is due end paysbis. l~l The psymant of ell other rums advanced M aaordanee hsnwith to proud the seeur)ty of this Security Ilutrumem, with Manw efiarpes tMreon at a rate tvhlofi msv very ea deseriWd In ens Cndlt Apnsmerls. 13i Tha pstormsncs of Borrower's aovmand and apraemerlts under this Sewrlty Instrument BORROWER doef henbpmoRgapa, grant and oonvey to Lander tM fellevArlp deaalbed property bcoted In iha County of ateartAa6 , CommenweelM o[ Wnrgylveniat eC4RYMCNN.CIlN4Nt{/Or#N.IMI.IM.rOllI4MOIrlllpllVra r.~1 ~ VAOIeM411711N0 'BK1987FG3211 EnXNIBI7 /`~" ~. Apr-14-04 10:16 From-P F C U 7172636020 T-687 P.013/018 F-131 tFi I+r. r~!1 C::::J7::;i.....~ 77'C»".. B~jz^n.~1 .~,+1 r-r r I •..:•t.:SIJ I.i L... ~~::I~~~N.J eae Itt~eh•e Fahfklt A Which has the eddrosa e} a resre eom shlea.nry„y Atltlroga'); r~.l e...TOO¢TM4N with arl M. ~.r.-__. • Penneylvsnk tr~i 0µi Iharaln •Propsrq• now or hararher usetad on tM Ry. and all rys all et whkih atoll 6a daemad tap6i Md remain e 8 Inctrumem; and a0 of the Toro oln _ acurlN Instrument a on,a IeageR p, tdpather with CemPlete R appiicehle: ~ ~ oidl ua harelnaftsr This Property la Part 01 a cendomtnium ~'' ' protest known as This hoPerry Includes i3anower's snit and ell Borrower's rfphtq in the soro e o! the condomNlum go)act. This PropeM U In q I7annad Unh oevelo ro n elements pmant known eq BRI ~8~PG32,12 i;, , anse Waf shad prompd?. pey ~ eharpea and ePPhcahle • ~«~ w nerd in an i^edeullon the deppoosits or ^ Petleral or awn epeney (tnoludlnp Lender It ~•iu weuww»w Apr-14-04 10:18 From-P F C U S la a{rM. an Ng4t{r :e premlYmi pod I anUYrln aald a00o frrowar Intarwt on 7172636010 T-697 P.014/019 F-131 or Alf as Uley fall DUB, fUOh aXCO88 nror or cr.ditad to Borrowu on i N fonder shall no[ ba aufficirnt i es they fa0 due, Bprfower she :rnv in one Or mpro peymenG as futuro monthly Inerehmsnta of . . or W of 10 th0 pfln(ipel pMaMa pnasT the Giedh ApfaafMnL Prior Martpapee and PNda of TmR7 tilfarpnJ bane. Bofrpwu shell perlmm e11 of wer'a oblipadona underury rrtrww~~Pape, deed Oi tr 0r 0th f attar~v aproemMt wlth a 11en i hat rbrhy over Mle Heourity Inetfument, neturlinp 1lsnowu'i eovenen+a to make antr whin dw. Exoepe to the eXtont thsL dry oath ehsrpes W Imposltlona ere to be paid m r under pare6reph Z Borrowu stall pN or ceuaa to be pakl N taxae, eaaelammta and othu ea, goes end Imposftla0a ettrlbutehle M the Property whkh mry attsln ^ prloriry over shit IN Instrumam, and leasehold peYmanta ar Around rams. It arY. WIdYn flue days star any n tw Le du, rrowp~ ahNl ex~roi~ to Lender ncafpta ahawlnp that all emeunti dw uncfar srapraph have ~ien paid when tlusc . ..... ... . ..............., _... - '--.... -... ~.-. the Maurma halt ba rove shall not~a urea rrm eoeantaEleto Lend anY once to the insurenee ceMsr and tsndar. by Yerrowar. All insursnes proeseda ere to the sxtem of all sums secured pY thla pps, deed of trust er searrlN eprnmam ~~a pNV NIH,rrnO 8K 1787PG3213 . Apr-14-04 10:18 From-P F C U 7172636020 T-687 P.015/018 P-131 wlth , aprU Securhy InaWinent. Unlau Lentler antl oorrowar othxwlaa shall be applied tp Haters or repslr the -raperry, If It le urower or ti Borrower fiiq to mpond m Lender wfehln 3p ry finder to Borrawsr tMe [hs Insuranp ssrrbr oflm m 4ntlar Is authcrhstl to oolbot ant! aPPIY tln Inavync~ sstan[ion or npetr of the Prsaerc. er m .w...,... _ _.. rM1Yle e.Ypea7.p BK1787PG3214:. ,. ~. Apr-14-04 10:18 From-P F C U • t 7172636020 T-687 P.Ol6/018 F-131 ry eprW m amend, Modth forbear, ar tnaW 'any other aaammodadona Dr wish nyard m the mrma o{ this Secudty Inwument of the Credit APraameppt, 3Drloxnr's wneent end Wi~ out nlaesinp mst Solrower or motllhlnp this Security m thse Borrower's brteroK 10 the Property. r. FzeeDt far env nadea reaWied undo aeelksbb law to be alven in snotlror n ,r as or er biid~ of 7ruat; A/sditlatlenr Future Advance. Borrower shall not enter A the Irelder of enY mortps0s. deed of ttuat of ot~~s' c~uriNa mrodffledt the acuritY InatromeM by w lob tASt N r nnswe4 without tho prior wdtt.n oonaant of the Lando. Ygrrower absij re'°~ut tl~e pA~rwwa~Aqaltlt~~abn ~non~t rW LcePnadYSi ~~~a deed of tr!let,' Dr Ddar he tlmM'o soiree tlon o~ifni rioeorostton hinof edit Apnamarre sod at thk earl Aproemntt. Borrower shat fulfill all of Rerrewor's obRQetbga under ImprovsmenL ropdr, or rrdraJ loan apremrm whkh BDrtower maV enter Isr, s[ Under's epden, may requln NorrDppar m axseute sod dellusr to ptahla to Linder, sn aaelpnment of enY rwba, eldms or ddmus which alnst parties who supply 4bor, mstedds or services In erorureetlan with the PrapeRy aaaad lsamptlen, TO tM e><tMt pacniaed by Uw. Borrower herald ' the homestead eaempdon a: m NI some attired trv this SaeurhY ras of Ltmitatlsn. To the elrtant psrmltted 6y law; SDrrowsr harohy wolves es a dsNna m any demmd w abllpatldn mcurad by this Seourlev shell be no mar0er of the immst Dr cents rnatad W th4 Security hryer Interese or oWStt)ptstssnln the PrDPsrN K sfry time hetd by or for the taneFlt rte a/~qri pros rty; A~MMao i~ Tri iNr. YOrrowe2r obeli o~ noUoe m npthi P operty. Arty pers~Dnam witDm eU o PDR of the Props Dtyr of anYf d&M u usneferrod tlas ahep M o611pated m pNe node m Under, as provided in romptly sMr such transfer, ttsnHns the Properly, Borrower will oondnua m ba oWi etrrd under the thk $aeurhy tnewrnem tmlata Lender rdees» Borrower ~rr wrhhsp. Aa a consent m M papoaaq tronafef at n a oondltion m oboes Dt roqufn that the Penan m whom •rhe Proparry b trsnsternd slpn an a staetory tD Lander end Lender msy Immppoa an aseumpdon~fea. The w8i oat enehk the peroan slOnlnSl h to rsoNve edvanCea ender Cho r:rodit .rase ' vauwa,rn.e Apr-14-04 10:18 From-P F C U 7172636020 T-687 P.017/019 F-131 , , of the pro arty, BuDJeet to ppplkable law, Lender shell have the dpht to to demand Unmadlste peYmsrR to fuU et alt Bums eswrod by th4 Mortpapa or 9orrower wlmout the wdtten ooniant o} Lender, sells or trensbn ell or pan of v dphts fn the PropeM. claea the apdon to saealarate, Lantlar ahatl pWe Btlrrowaf notlee tlf eccefenHon A perepraph 13 hereof, The. notlae shell provide s period e} not leas thgn 30 Ci1NYNTe M eVellt OT suwn I"WMS ei tlarwlt'1 eetlM thfa H/eudqq Ina oomrNa lrwd or make ^ rtlatedsl ndarepruemadon In eenmotlon with th or the Cndlt ApresmenL IZI Borrower does not reset the npaymenS Apr4planL' or WI Borrower'e aodon or fnacden edvenNy af6ats lha I Prepeny aacund by Mb Saeurlry Inewmmt. 11 N event of default exeralihlp arty dpht or nmetly yrovlded /pr In this 8ewrlry Imtrument and Lender steep Otva nonce as provided In p^aa0rymh 12 Aeraet and ea roquhed nedee ahsp epedhr U) Vre eventriof dslwlt,• (b) fh• estlsn raquhad eisp sun dli noUee IttplwnNto Oorrewir bylwhlday iAipiwwnt of dibulM dmwt M~ cure tll^ event of daleuh on or betefe the den epeoMed [n fhe nodoa may t the sums eaeurad by thle 8aeurlW InevumanL'foredoegn by Juddat pros I'ropemt and lei an otAsr InformatWn repaired by aPppRoabN law. The not Bonower of Ned t to nfnaroa after aaoeluatlon. Ifepp Ilsebls, end the ttlredesun roe Inp fie nensxletenee ei sn avant of default er en otter W eaedua n IrM sale. 1 the *vent of derwh k net eared en er he yore W nsdce, Lendu, et Lender's oaaon. without tunhrr nodae ar demand, teal dedero all sums sseured by thN SeoudN lnauumbrt w W ImmadlarolY due for^dsee thN Saaudry Inenrrment M JudoW prooeetllnp. Lender ehaq be nseonabN Beata snd expenses Ineumtl bt punubrB the nmedUs provided Indudtnq. but net Nrtlted to, rosaonaMe atremeys' fan, and rests of d abstransa end Nde nparts. 23. Barrewer's lUpM m Bdnstate. If Borrower msstt canain wndldon the rlpht se hwe enfereement of Stela Saeudry Instrument dlseominwd et an ern hour befen dra cemmsnammt of Dltldlnp at a ahedff'a saN or othe SecurlN Instrument These aondldtlns sro that Bonowsr: fal aye Lender • dlen Maur under thlr8ecurlry Inatrranlgrt and the CndP A nemani ' oaurrsd; Ibl wroa ell adler avsnu of deAUh under this Secw~ry Instr Apreemont; !cl pays ad reaeonebN axpmies Incurred in enferelna thfa ' lneludlnoo, put nee 6mhed to, naaonable ettornaya' fees; end Id) pkaa suet naaonabN n 1n to o:un that the pen of Stela Securlry InstrumaM, PrapelN and Borrowet's ehllpetlen to pay thq sums aecund by Stela Sal oantlnus unchanged. Upon rdnsutament by Borrower, this SeourltY oblipetbns teeufed henhy shall re111aN (ullY aHeeeWa es If ne aeai Howwer, tAls rlpM is nlMtero spell not apply In fie Dale of aoeeleredel 24. Release. This BecudN Instrument sseuru • nvplvlnp qm of oredh made, npdd, snd remade from tbna to tlm4 under the terms of the Cn aeeorglnpp w the terms s} theyy Crsdt Apnemeg4 no more eWeneee will b .., LandarieQhadll diGtiry~ rthrab8acurhy IratrryummauTonthioaxant permlSt c aAerpa Benowu a fee far such dhcharpe snd require Berrewer to pw Fosn 38. Intaraat Mn Aher Judpmelrc. Borrower apnea tMt the Ihurap )udpmant Is artNnd on the Cradle Agreement or In an eatlsn of fnartpape f rate explained In the Credit Aprsemem. .. ' ~ r~ee• . BK1787PG3216, shall to lute to Yon of of the ktf the ea under moy ~~ rlphta to the atrumern shall vent snd the had eacurred. puepraph 27, renew mw bs nmarrc, Whan and Btlrrowu ppllaeblo.tawY. r. Lander may ~dadon, M em. ayabls after a re shall be the VYIi Y.ure araro Apr-14-04 10:18 From-P F C U 7172636029 T-697 P.O18/019 F-131 •Y ~ S RHOUtST FOR NOTICE Of DEFAULT AND FORECLOSURE UNpHR SUPERIOR MORTOAOES OR bBHD9 OF TRUST Dorrewer and finds mquea tho bolder of any mertpete, gibed of trust tv other aneumbrana with a Ilan which has prbrlry owr thra Security Inetrumant m Sive Notice se Lender, at Londer'a Oddmaa gist lonh On peps one of this Hacurlry InarumML o} erN dsfeulL under the superior enetenbrence end o} enY sale pr other fomeloeure eotion. SY 81GNING SHLOW, Sorrows eooepm and • rns to the terms end oawnenn cantalned M this Security Inatrtmtmt and bl eM riderlal executatl by 9ormwer end ror:orded with h. Wrmesar le.rn e.rteeN ~ aaRr Wlrn.N Inl•wrr X x n~,.e VIIWN eale•YI X !~ le..n .. WIMNr eorewN X - x, ~~ NMn.r. .nr...l I hereby certify that the pmela address of the Lender (Mortpatnl kl pearee hdrnt cndtt unren r.o. ee. rr~~ss w.m. ~w.~~ ch r Srtet Onbehelfo~t ~(nds. 9Y:~ ~ -<~-(^~- `l'~~-1__ ' i7tiet ~~ ~/~..,..,..,.. COMMONWEALTH OF. rNrrgtwn+. ~rr.n{kr~+nb ~ ~ ~ County sa: On this, 1..__~~ of I ~~cl i •t. . _p~a~.W(ors me. ~~y u ~+ un em Sned aNlpr, pemene eppeered M~ "^' 1OA r - known m me for ndafectorBY proven) to 6s tM p~~~e~f~777~~~~n~isl wpess nsme(s1,~~ subsuibsd to tM whhin instnrmern and ecknawladped that exeeuted the eeme of the purposes heroin r:ontalned. _ a IN WITNE55 WHEREOF, I herwmo eat my hand and efffr~a ss,¢ ~ J~~/ MY l.ommksion aspires:,, ~ r.( .~.- f` IJ/~,~ u. 4~,~N t+`A•~1,;~'.+~t ~ pahrae.~ •~ palcare~aNl;•. •:,,.. ;•. ~~: °ccOf':Icd ~'~r~'!a~''+^~'~ ~~ ~ I Li„ ~~~>.mw ~,i.:i„ jP:r.d C'nant~~ PA '''~,;5'i•~flst!~"~,'~ t~',e~ 171 ',~ gNaure vNle eneeq»ue ^ . +~~'~~~BH17B7PG32i7 ~ - ~'--=~~~ I?ccordcrofAcctis Apr-14-04 10:19 From-P F C U ' 7172636020 T-697 P.019/019 F-131 NiktAlV J, Ner1 17chE1k "A• part eular~Tmal pieoe or pf;cai ~! Spead pltaatf is uerth NeweoQy Tewapll,>•.p, n°`drlaad CaOat Y bottaded Rod dfsorined ps tol owYa~,ieo wi~ Ra~ut~eu=JJG dC d riilrnAd spiky is the oeator Siaf o! Township PsteT6aa at 11X7 ChaaQe leadp aow or lOZp~rly,.a! DRna L de5reea OS miaatq 70 pgopad~ Heetp 231Aa7eraon,to aa~ 4~ pia is she ~r~operty of londa aoN or tarmft7,y o! H. Ngrola Yohet 7E~ aAQs"Nf~eeid lagds o! Yeh4. Jlorth 60 dpgrafa 77 mimytfs Of lao.7~ root sa an exiatiag oos~ser xaaoe post) 19936 ! qC ~• x 41 de~fes 3a minutes Z6 ssdeads EdpC. usC pamf, North 6s degrgea 7f miaut~fpio0~aeaoads~w it, c2at~ylsnt~o ass iron pia ewid 1~ apll e3C~aDo or lariaerly o! Fersaea i. West) thence 8net, p2.ff lest to a ra~.i],¢naa QL'ffes Os seiaatea ]0 aefeade ~ eeeC ~SpouItoaFf 3701 thwaer by ]'a ~1lnsao! iaid?aorrashid ~ 4H Qtgre pd eeates a rail=add ppikd, thf place aEu~saEgt~Npceads Hoot, 150 feet to HRTw! r+OC No. 2 Dn load pubdtnxBioa !Or Dead L. PfheYCOSa, dttnd Jfarah 17, atsd7Ca~ rfaordod is thf 0!liae o! aaefsdar eE Deeds d°ataia~arQ a4,o7s ~' pa~Ylvaaia is 71a4 aaox 4a, Pags 17. !oY right-Oi'-way app~:rf loot, lops 3,7f0 ctlaprf lefC reaervdd BR1787PG3216 441-577401 ~~~ ~a~ RS 61620 6 Koser Rd Shiypensburg Pa 17257 Dead for Pennsylvania Thu indenture, Madc the /b diy.ot,, ~vrJ • ~ 20b2 , betwern Bttsl Martit4aet 'Secretary of Housng and Urban Development,rof Washington, D.C.. (hero inutte(interred to as "Gramor'1, and Mat thP.w T . Nori ~ ' [hercinaper referred [o as "Gntnlee(e)-1 Wilnessetb, That the Grantor for and in cotutdaration of the sum of S 50 .000.00 lawful money of the United Statu of America, unki himdter wtU and truly paid by the Grantee(s) at attd bCfOrc [he scalini and OeUvefY of these presents, the receipt whereof a hereby acknowledged, oath srantcd. bugained, sold, aliened, eafeofkd, rctcasW and tonfumttd, and by these prcuttts dolh grant. bargain, sell, alien, enteott, release And wntirm unto the Granteebl. ALL TF3AT CERTAIh1 piece or parcel of land situate in North Newton Towaxhip, Ctamberlastd County, Pennsylvania, morn particularly bounded atad detiaribCd t#s, follows, to wit: 8$6TNNIHG at n railroad spike 1X3 the oentar line of Tetaaship itoute 330 at corner o! lands now or t=ortaerly of Dana z. Peterson et tsx; thence by said leads of 'Peterson, south 42 4egrees OS [ninutes 30 seaondor Wsat, 231.32 feet to an iron pia in the property of laadtg now or formerly of W. Harold Yohe; thence by said lands of'YOha, North 69 degrees z7 minutes 06 saconda West, 13o.Z4 faint to an existing corner fence post; thence by same, North 41 degrees iS minutes 26 seconds Fart, ists,s5 feet to~ttln iron pin; thence continuing by same, North 65 degrees 26 minutes 00 seeoada West, 26.if feat to tta iron pan at coxsa•r of laada now or fortaerly of Norman I. Wet; thence by said leads of West, Nort2z 42 degrees o5 minutes 30 accolade East, 92,55 feet to a railroad spike in the neater line of said Township Route 330; kheace by said center lilac of asid Toxashig route, South 45 degrees 14 minutes 37 s•eoisds Sast, 150 feet to a railroad spike, the place of EE4INNTNC~. HSINCi Lpt No. 2 On lead atlbdivision for Dana L. Petereenr dated March 12, 1983 and recorded in the Offioe o! Rsaordar of Daeda 02 Cumberland County, Pennsylvania in Plan Book 42, Page 17. Contaiiliag 34,075 square feat, less 3,750 squaw feat reserved Eor right-of-way uas. TAX PARCEL 30-11-0306-0007A v N c: i~ rv ~ ~ r r,~o ~ c c ~ ~ c t~ _ N w - lietaa the suns property acquired by the Grantor Dudusnt to the provaam of the National Housing Act, as amended 112 USC I)Ol r[ xq.l and the Department of Housing and Urlatn Davak)Dntent Act 142 US.C. 35311 Sub~tet to alt covrnanu, tsurictbm, rcservatione, edatsncntf, conditions and rights appgring oP retard; and SU131Et:'I' to any state nt taco an aavrale survey would show. ToCNher with all and singular the buildings, improvemenu, streets, alleys, pasmgoa, ways, water, waroncourses. rights, liher[ics, privikgci, hctediumcnu and appunntanas whatsoever thttaunto belonging, w in any wan apparpitting, area the rcversiom and tcntalrulrrs. rents, Issues and profiu therenh and al! the estate, ril:}t[, dtk, interest, property, claim and demand whatsoever, of hlrtt/lter, for Granror. in law, equity, or otherwise howsoever, ot, in and to the same and every part thercot. To have and to hold the said tot or putt of [wound above described. heteditsments and prcmius hereby granted or mentioned and intended a to hc. with the appur[enanas unto the Granttxlsl. to and Por the only proper use and hehoot of the Grantors), torcvtr. And the Grantor does by these presents corcnant, ;rant and agree, to snd with the Grantetfsl, that hmshe, the Grantor. shalt and will wamnt and forever defend, aU aM dngulu [hr henntitamems and premises herdtubove dtssCril>.d and arsnta4 or mandoned area intrntfed so to be. whh the apputltnattees, unto the Grantte(eA :asirul hlmnta the Grantor, and agairut aU ud every pnrian or ptrsons whornsoavtx IawNily tdaimint or to claim the mine or any part thereof. by. from of under the Grantor, The tams Grantor, as uacd in thk lndenttua shall mean the Grantor snd flu successors and asslgro of said Grantor, and Gr:nteefsl shall mean the Grantaa and the heir and usians of the r:,"~~-~ EXFIIBIT pK ,~el °.1":~4~ Prsvioua Editions ODaolab ^ NUbatart peens) 5 'd b1~9'~N E8L6-19l-LIL OHS WH9l 6 b00d '9l'~~0 EXECUTED PUA5U.4lV'f to authority contaisaed ?tn the Letter Uf Attorney recorded in Lancaster County, Pa. on SanuarY 1.6, 20U2 to ibctaelertC No. 5041282 and ist Dau~ihin County, Pa. Sn Recard book 425$, page 478. in Ctrnberland County, Pa. in 141.ac. Boo3t fi83, page 4579, in York County, Pa. on Tanttaxy 15, zoo2 ixtlaeCOrd cook 1475 page 0001 and Sn Lebanon county, Pa, ±rt;3ecord Hook 2002, gage 5858• In xkacss wbercot the uttdcrsisncd ttas set hisAter hand and seal as .attorney-in-fact foe .HUD Oft-~x. Pcntuytvanu, fu and an behalf of the saM Seuetary of ];oaring and Urbatt Ihrebpmcnt, undo authority and by vinuc of 33 F.R. 16106 ptv14n0i, as amended. Signed. seated and delivered Sccrstary ru Housing tad Urban DeveloDmcnt in the persenec ot:' Mtg. A7as't1.isNz Sy:~t .~~°j'~- (SEAL! ?A~ttwov:ngv-fn-fpCt HUD OIIko~ Ph+ e9e ph r ~~ Commonwealth of Pennsylrsnia State o1` ~ /'T " - -~~"~ Coaaty of ~~~~ .~~^/~~t'~ t SS . Delore me, the subscriber a Notary Public is and for the acid State. . , .and County, on this day pasontl% apD~red I~iW ~~"~" ~'1 attOtney-in-tact i:or NUD OtYwC iladelphla , Pennsylvania, and the penoa whe caoeuta! the foregoing instrument by ri of the aboye.cited atuhnrhy and ardmawkdge the foregoing imtrument to lx hWher fro act and decd u attorney-in-n fact ,for and on betulf of Mel Mattfne2 Secretary of Fiotnirta and Urban Atwwcfopment. Given under my hand and scat of ottta this ~ day of ~ // ~ ~"- ~ MY Comm ~ _ _ '" ~~ D~ The address of the Csantt.e isa fi62 Walnut Bottom Rd Slvppensburg Pa 17257 f . ,., ,.. , , }. y - - . - -eitr~,~t,.w~u'~` ~t:.i:':..~L:, , ~`ounty 1;A conrntafana t ~ ,.:~' ~ y'. 4 n~zs ,~- -Motaryiilbiie rWtant '`~„~•~.. txawr , - \- ~t7arlan aPM j . ~'~, ~ nrn, Fr7r+r t+f i'1'!.!+!~!~ m~ oaf '1'".s'.SQI~~~. p SS ~_ a.. ~ ~ ,.., -ece--. 'ry ~ ~ ~ }i C '.C ~ ,.. ~ ~ ~ o .. ,~. :+~ ~ `~ ~ ~ ~ ~"' s ~a r~ss ~N sacs-Asa-c~c ~aa was~.s ~ooz ~91~~~n Kornfield and Benchoff, LLP Attorneys At Law 17 North Church Street Waynesboro, PA 17268 Donald L. Kornfield, Esq. Andrew J. Benchoff, Esq. Kimberly S. Runshaw Paralegal September 10, 2004 ACT 91 NOTICE Phone:717-762-8222 Fax:717-762-6544 don@kornfield.net 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 Wages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This Notice explains how the program works. To see ifHEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agencv. The name, address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice. If you have any questions. you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397. (Persons with impaired hearing can call (717) 780-1869. This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The Local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUBS AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBT.ENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO EXHIBIT ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARR UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PLJEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): Matthew J. Nori PROPERTY ADDRESS: 6 Koser Road, Shippensburg, PA LOAN ACCT,. NO.: 5000016752 ORIGINAL LENDER: Patriot Federal Credit Union CURRENT LENDER/SERVTCER: Patriot Federal Credit Union HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHF,D BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OFFORECLOSURE--Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS. IF YOU DO NOT' APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCY--If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the Lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located aze set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your Lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE--Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the Lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one ofthe designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30} days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION--Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE I5 FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OF THE DEFAULT-=i'he MORTGAGE debt held by the above Lender on your property located at: 6 Koser Road, Shippensburg, Pennsylvania IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE THE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Months due: Payments of Principal and Interest: Escrow charges: Late charges: Attorney Feeslcosts: Other charges (explain): TOTAL AMOUNT PAST DUE: June, July and August 2004 $556.43 27.82 50.00 $634.25 B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use ifnot applicable): n/a 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 $634.25, 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, certified check or money order made payable and sent to: Patriot Federal Credil: Union P.O. Box 778 Chambersburg, PA 17201 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Do not use if not applicable.) n/a 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 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 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 attorney's fees will be added to the amount you owe the Lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney'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 (30,1 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 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 three months from the date of this Notice. A notice of the actual date of the Sheriffls 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: Patriot Federal Credit Union Address: P.O. Box 778, Chambersburg, PA 17201 Phone Number: 717/263-4444 Fax Number: 717/709-4987 Contact Person: Lisa Chapman EFFECT OF SHERIFF'5SALE--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 Sheriffls Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the Lender at any time. ASSUMPTION OF MORTGAGE--You may or x may not (CHECK ONE) 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 to or at the sale and that the other requirements of the mortgage as 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 NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS, TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY CUMBERLAND COUNTY CCCS of Western PA, Inc. 2000 Linglestown Road Harrisburg, PA 17102 717/541-1757 Financial Counseling Services of Franklin 43 Philadelphia Avenue Waynesboro, PA 17268 717/762-3285 Urban League of Metropolitan Hbg 2107 N. 6th Street Harrisburg, PA 17101 717/234-5925 Community Action Commission of Capital Region 1514 Derry Street Harrisburg PA 17104 717/232-9757 PHFA 2101 North Front Street Harrisburg, PA 17110 800-342-2397 Loveship, Inc. 2320 North 5th Street Harrisburg, PA 17110 717/232-2207 Adams County Housing Authority 139-143 Carlisle Street Gettysburg, PA 17325 717/334-1518 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. KORNFIELD AND BENCHOFF, LLP Donald L. Kornfield DLK/ksr cc: Patriot Federal Credit Union .:R. ~x ~~ ~~->.., :~ ~\ a ~~ N `~T " m ~v ~, z ~ ~. O a. r~ ~!O!yt G ~.1 R ~z N ~a Q' V o ~ °' b ~ ~ a~-~ ~' ~ O N ~ ~ ~ ~••. M a 0 0 W w Y ' ~. Q 0 0 u^ o' r w ~ _ .A C' r - '~ ~ ~: ~ ~ \,`~ N,PRR~s~ ,~ a ~ i ( ~ ~ ) ~ ., ,. ' .1. ~- T ~ ~ Sneotalcm~gnn.umnun.•.w~nn~...v...n .~~m. . ~ ` ~ C) F F I A 51 C ~ ~., ~ /h L o ro ~~dFa a 3©~~ oFp Y . O . (EFtlaRNMM Rpulnd) ~ . ~ ~ RaMobtl OsMery Fes ,,5+ ~, (EntlonsmeM Rpulred) ~.~~ ' m row Foeups 6 Fags $ ~ 65 m O o "Ecru TO 1a ~1~ ~, . .._ ..--- . ---- ------ Tab gieMYir~ii~ ~ ~ _ i '~ ~~/ .>~~~" ~ ^ 1 ~ A '~i" ~ Y ~W~, i d~ d7 ;~ ~ ! ,~+. k ~ I I ~. ~ ~, I # • i H e 1 ~ y ry i (1 //y I( ~1 A lM .:AY ~ ~ A ~.. qi., ! g.: la,v, ni rz ~ ., ~' o F c o $ ~ ~ 5~y ~~ ~ ~ ~~ ~ $$T r m iA n ~~~ ~ x~ ~~ b ~, -, ... N ~ ~ rn T~ QJ d ~ J `~~t~~~ m. v c_? 3`J1f1SOd'S El //~~~,y;,~ry~°~~~ V~cA• ~ wR..^+' _._~ ' -- r '" O ooo^ ~- U2 w a Donald L. Kornfield Kornfield and Benchoff, LLP 17 North Church Street Waynesboro, PA 17268 (717) 762-8222 FAX 762-6544 don@kornfield.net Atty. I.D. #19242 PATRIOT FEDERAL CREDIT UNION Plaintiff vs. MATTHEW J. NORI Defendant IN THE COURT OF COMMON PLEAS OF THE 9TH JUDICIAL DISTRICT, PA. CUMBERLAND COUNTY BRANCH CIVIL ACTION - LAW #04-5307 Civil Term PRAECIPE FOR ENTRY OF DEFAULT JUDGMENT To the Prothonotary: Enter judgment in mortgage foreclosure in the monetary sum of $19,402.91 together with costs and interest at the contract rate after judgment in the above-captioned matter in favor of Plaintiff and against Defendant by default for failing to plead within the required time to the complaint which was endorsed with the proper notice to plead. KO~NFIELD AND BEN d Bye/ Attorney for Plainti=f Date: November 30, 2004 PATRIOT FEDERAL CREDIT UNION Plaintiff vs. MATTHEW J. NORI Defendant IN THE COURT OF COMMON PLEAS OF THE 9TH JUDICIAL DISTRICT, PA. CUMBERLAND COUNTY BRANCH CIVIL ACTION - LAW #04-5307 Civil Term AFFIDAVIT OF SERVICE I hereby certify that pursuant to Rule 237.1 of Pennsylvania R.C.P., I have given the requisite notice of entry of default judgment often days and that the filing of a praecipe for a default judgment is offered to the Prothonotary more than ten days after the mailing of the aforesaid notice to Defendant in the above-captioned matter. I verify that the statements made in this Affidavit are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S.A. Section 4904, relating to unsworn falsification to authorities. KO FIELD AN ~ BENCH , LLP By Donald . Kornfield ~ Attorney for Plaintif' - +• Donald L. Kornfield Kornfield and Benchoff, LLP 17 North Church Street Waynesboro, PA 17268 (717) 762-8222 FAX 762-6544 don@kornfield.net Atty. I.D. #19242 PATRIOT FEDERAL CREDIT UNION Plaintiff vs. MATTHEW J. NORI Defendant IN THE COURT OF COMMON PLEAS OF THE 9TH JUDICIAL DISTRICT, PA. CUMBERLAND COUNTY BRANCH CIVIL ACTION - LAW #04-5307 Civil Term TO: Matthew J. Nori DATE: November 16, 2004 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 THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS 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. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 Telephone Number: 800-990-9108 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. KORNFIELD AND BENCHOFF, LLP B Y Donald L. Kornfield Attorney for Plaintiff ., ~,~ / `~ ~ ~ 3 ~~ ~~ i -~ ~ ~ X ~ ~ `~ ~ ~ d S__. d ~ ~, ~ -LJ ~^~ ~~ l ~ ,...~ -~ n .~ ~1i'-r .a f;" ..r.~ j-. ~ ~ j~11 ~;... . "t"a E"~ -- 1 ;]~ ' o` ~ ~ t,"~ C 7 . ~ .. ~ y"{ W SHERIFF'S RETURN - REGULAR CASE NO: 2004-05307 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND PATRIOT FEDERAL CREDIT UNION VS NORI MATTHEW J CPL. MICHAEL BARRICK Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE NORI MATTHEW J was served upon the DEFENDANT at 1958:00 HOURS, on the 26th day of October 2004 at 662 WALNUT BOTTOM ROAD SHIPPENSBURG, PA 17257 MATTHEW J. NORI by handing to a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 11.84 Affidavit .00 Surcharge 10.00 .00 39.84 Sworn and Subscribed to before me this ,:~ ~ day of :,'l Ut7:~ A . D . Prothonotary So Answers: °~ r` ~.. `` .r./ f R. Thomas Kline 10/27/2004 KORNFIELD & BENCHOFF By. Deputy She if PATRIOT FEDERAL CREDIT UNION Plaintiff vs. MATTHEW J. NORI TO THE PROTHONOTARY: IN THE COURT OF COAIl~lON PLEAS OF THE 9TH JUDICIAL DISTRICT, PA. CUMBERLAND COUNTY BRANCH CIVIL ACTION - LAW #04-5307 Civil Term PRAECIPE Kindly mark the judgment in the above-captioned matter satisfied. KORN~F'IELeD AND By Defendant Donald L. K~rneld Attorney for 1 ntif LLP Date: Apri126, 2007 N_ ~ ~ ` ~ ~ . ~ r N ?~~ ~ ) zr _ ~ . / j ~~ ~ C.3~