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Home My WebLink About05-0384 , LAW OFFICES OF GREGORY JA V ARDIAN BY: GREGORY JA V ARDIAN ID# 55669 1310 INDUSTRIAL BOULEVARD 1ST FLOOR, SUITE 101 SOUTHAMPTON, PA 18966 (215) 942-9690 Attorney for Plaintiff KEY BANK, USA, N.A. 2 GATEHALL DRIVE PARSIPPANY, NJ 07054 PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY VS. JAMES H. BUFFINGTON VICKI J. BUFFINGTON 719 SINCLAIR ROAD MECHANICSBURG, PA 17055 DEFENDANTS NO. Df; - 3pY (!.lU~L ~'U2-1 " COMPLAINT IN MORTGAGE FORECLOSURE 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 defense 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 NOTICE TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 52 S. Bedford Street Carlisle, P A 17013 717-249-3166 IF THIS IS THE FIRST NOTICE THAT YOU HAVE RECEIVED FROM THIS OFFICE, BE ADVISED THAT: PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.C S 1692 et seq. (1977), DEFENDANT(S) MAY DISPUTE THE VALIDITY OF THE DEBT OR ANY PORTION THEREOF. IF DEFENDANT(S) DO SO IN WRITING WITHIN THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL OBTAIN AND PROVIDE DEFENDANT(S) WITH WRITTEN VERIFICATION THEREOF; OTHERWISE, THE DEBT WILL BE ASSUMED TO BE VALID. LIKEWISE, IF REQUESTED WITHIN THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL SEND DEFENDANT(S) THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR, IF DIFFERENT FROM ABOVE. THE LAW DOES NOT REQUIRE US TO WAIT UNTIL THE END OF THE THIRTY (30) DAY PERIOD FOLLOWING FIRST CONTACT WITH YOU BEFORE SUING YOU TO COLLECT THIS DEBT. EVEN THOUGH THE LAW PROVIDES THAT YOUR ANSWER TO THIS COMPLAINT IS TO BE FILED IN THIS ACTION WITHIN TWENTY (20) DAYS, YOU MAY OBTAIN AN EXTENSION OF THAT TIME. FURTHERMORE, NO REQUEST WILL BE MADE TO THE COURT FOR A JUDGMENT UNTIL THE EXPIRATION OF THIRTY (30) DAYS AFTER YOU HAVE RECEIVED THIS COMPLAINT. HOWEVER, IF YOU REQUEST PROOF OF THE DEBT OR THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR WITHIN THE THIRTY (30) DAY PERIOD THAT BEGINS UPON YOUR RECEIPT OF THIS COMPLAINT, THE LAW REQUIRES US TO CEASE OUR EFFORTS (THROUGH LITIGATION OR OTHERWISE) TO COLLECT THE DEBT UNTIL WE MAIL THE REQUESTED INFORMATION TO YOU. YOU SHOULD CONSULT AN ATTORNEY FOR ADVICE CONCERNING YOUR RIGHTS AND OBLIGATIONS IN THIS SUIT. LAW OFFICES OF GREGORY JA V ARDIAN BY: GREGORY JAVARDIAN ID# 55669 1310 INDUSTRIAL BOULEVARD 1 ST FLOOR, SUITE 10 1 SOUTHAMPTON, P A 18966 (215) 942-9690 Attorney for Plaintiff KEY BANK, USA, N.A. 2 GATEHALL DRIVE PARSIPPANY, NJ 07054 PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY VS. JAMES H. BUFFINGTON VICKI J. BUFFINGTON 719 SINCLAIR ROAD MECHANICSBURG, P A 17055 DEFENDANTS NO. 6~ - 3R'-/ CtuL 1'Efl-"I COMPLAINT IN MORTGAGE FORECLOSURE CIVIL ACTION MORTGAGE FORECLOSURE 1. Key Bank, USA, N.A., (hereinafter referred to as "Plaintiff') is an Institution, conducting business under the Laws of the Commonwealth of Pennsylvania with a principal place of business at the address indicated in the caption hereof. 2. James H. Buffington and Vicki J. Buffington, (hereinafter referred to as "Defendants") are adult individuals residing at the address indicated in the caption hereof. 3. Plaintiff brings this action to foreclose on the mortgage between defendants and itself as Mortgagee. The Mortgage, dated June 27, 2002, was recorded on July 5, 2002 in the Office of the Recorder of Deeds in Cumberland County in Mortgage Book 1764, page 1441. A copy of the Mortgage is attached and made a part hereof as Exhibits' A'. 4. The Mortgage secures the indebtedness of a Note executed by Defendants on June 27, 2002 in the original principal amount of $130,000.00 payable to Plaintiff in monthly installments with an interest rate of9.5%. 5. The land subject to the mortgage is 719 Sinclair Road, Mechanicsburg, PA 17055. A copy of the Legal Description is attached as part of the Mortgage as Exhibit 'A' and incorporated herein. 6. The Defendants are the record owner of the mortgaged property located at 719 Sinclair Road, Mechanicsburg, PA 17055. 7. The Mortgage is now in default due to the failure of Defendants to make payments as they become due and owing. As a result of the default, the following amounts are due: Principal Balance Interest to 1/10/2005 Accumulated Late Charges NSF Charges Cost of Suit and Title Search Attorney's Fees Forbearance Balance TOTAL $127,941.64 6,458.45 322.48 15.00 550.00 1,000.00 (200.41) $136,087.16 plus interest from 1/11/2005 at $36.81 per day, costs of suit and attorney fees. 8. The attorney's fees set forth above are in conformity with the Mortgage documents and Pennsylvania Law, and will be collected in the event of a third party purchaser at Sheriff's sale. If the Mortgage is reinstated prior to the Sale, reasonable attorney's fees will be charged. 9. Pennsylvania law requires that a plaintiff in mortgage foreclosure provide a defaulting mortgagor with a Notice of Homeowners' Emergency Mortgage Assistance ("Act 91 Notice") 35 P.S. Section 1680.403c. 10. The Notice of Homeowners' Emergency Mortgage Assistance was required and Plaintiff sent the uniform notice as promulgated by the Pennsylvania Housing Finance Agency to the Defendant by regular and certified mail on October 29, 2004. A copy of the Notice is attached and made a part hereof as Exhibit 'B'. WHEREFORE, Plaintiff requests the court enter judgment in Mortgage Foreclosure for the sale of the mortgaged property in Plaintiff s favor and against the Defendants, in the sum of $136,087.16 together with the interest from 1/11/2005 at $36.81 per day, costs of suit and attorney fees. Law offices of Gregory Javardian BY: EXHIBIT A D,c-28-2004 10:50 From-PREMIER ABSTRACT ;7Dtf ?J +243 3390 H88 P 002 F-654 ~ :-:.~:\ . .. -, :',':=G!-E~ ':... :.~GJ" . liF 0EEDS PLEASE RETURN TO: FIDELITY CLOSING SERVICE LLC 1500 SOUTH ATHERTON STREET STATE COLLEGE PA 16801 . .......i...: (CUliH-PA '02 JUL 5 PPl12 35 [$pica Abo't4I TbIIlJrlt Farfttconfinl D8tAI MORTGAGE Lo3ll Number: 3247201lF DEfiNITIONS Words used iIl multip1esectiotw of this document ate defined below and other WOlds are dermcd iIl SeclioDs 3, U. 13, 18, 20 and 21. Certain tules mg;m1ing Ihe usage of words used in this dO<:llIlllOlI are aIso provided iIl Section 16. (A) "SecPrity lnstnuneat" means thiS docullIenl, which is dated Junl 27, 2002 with all Ridets 10 this dacu!tlml. ,togedler (B) "Borrower" is JAMES H BUFF1N8TON and VICKI J. 'BUFFINGTON Borrower i. !he IIlOrtgll/lor Wlder this &curil)' III5lrUIllelII. (e) "Lender" is Illy hn k USA. Nat I Dna I AIIDe I ~t I on . l.endo1" is a ""'l"'raIiOll orxani%ed ;md existing WIller lhe1aw. of Thl Un i tld Statll of AlDerln . l.endcr's addless is 2 Gatlhall Drive. Parsippany, NJ 070SA J..ender l$ the IXlOrtgagee under this Security fDstrumtDl. (D) "Note" means th. promissolY no", sig!led by Bonower and daled Jun. 27, 2002 The NOle sl3l~ liW Borrower owes Lender Onl Hundred Tbl rty ThDull8nd and No/1 00 ---~- ___________~_.________~~____.________________._______._-------~-.----- DolJ~ (U.S. $ 130.000.00 ) phls lntemt. Bonowerlw prolllised to pay Ihis debl in regular Periodic Paymenrs and 10 pay the d$bt in filii not later than Ju 1 y ~. 2032 (El "Proporty" """"",the ptoperty that is described below Ul1der IIlc beading "Transfer of RighlS in the Property.' (F) ''Loan'' meant lbe debt evidtDCed by llie Note, plus iDtewl, auy prepayment c:ltarges and late charges due under Ih6 NOlc, and all $tlWS clue under this Secllril}' Insttumellc, plus interesl. PENNSYLVANIA. Singl. Famlly- F_ MoaIFndd/O Moc UNIFORM lNSTRUM~ U.;f.nn - srllClPA. 7/00 F..... 3039 01101 lpiiQil 1 of 16 paOR) BK I 7 6 4 PG I 4 4 I Dsc-2S-2oo4 10:51 From-PREMIER ABSTRACT +243 !39o H6S p. 003 P-654 (G) "Riders" means all Riders to this Security !n$uume:nt lhat ate exeeuled by IlonowCf. ne following Riders are to b. executed by Borrower [check box u applicable]: o Adjustable Rate Rider o .Balloon Rider o I - 4 Family Rider o Condominium Rider 0 Second Homo Rider o P1aI11lod Unit Development Rider 0 Olher(s) [Specify J o Biweoldy Payment Rider (B) "Applicable Law" means aU oonuoIling applicable federal, SUlle and 1<:><:a1 stBlutes, rcgulations, nrtl.iluoccs and admini$trativ. rules and orders (that have tho effect of law) as well as all applicable fmal, 11DIl-appe8lWle judicial opinions. CD "Coaunwlity .usoclalloQ DQes, Foos aud ~eltlS" moans all dues, fees, asseSSUlCQIS aad other clw'gcs that arc impo.Ied on Borrower or the l'IopcltY by a condominium ll$SOCiatio1l. hollltOwners association or $DuiIar organization. (J) "E1ec:troDie Funds Traasfe.." means aay rransf", of funds, other than a traJJSaaiOI1 ori(:inated by check, dtaft. or simill\f paper instr\mlOIlt, which is illitialOd tbrough an elcctmnic tomliwIl, telephonic instrumcm. computer, or magnetie tape so as 10 order. instmel, or 0Ulb0ri2e a financial inslirotion 10 debit or credit an accoum. Such lCJ'Ill. inchJdes. but is llOt limited to. point-of-sale lmISfers, automated teller machine lnIIlsactiono, transfers initiated by llllephoue. wire tr.Illsferi, and automated clearinghouse lt8IlSfell. 00 "Escrow Items" mew 1I>0s. itemS lhat are rlilIcribcd in Scotian 3. (L) "MiscellanoollS Proceeds" IllCaIlS any compeDsalioQ, settlement, award of d.m.V'. or ptoQCCl\$ paid by lllIY 1hild party (othet tIwt but1nwee pzocoeds p:dd under the coverages described in Scc:ticm S) for: (i) damage to, or destTuctioo of, tbc PtopcltY; (Ii) condemnatioo or other taking of all or allY part of Ibe PrOperty; (iii) conveyllDcc in lieu of condellllWiol1; or (Iv) misrept'OSClllatiollS of, or omissiOlU as to, the value and/or CMdltioo of We Propony. (M) "Mol'tg"ie IIl$uranee" means insuraocc: protecting Lender against Ibe nonpayJ1lellt of, or default 00, Ibe Loan. (N) "Periodic l'apbeol" means 11>. regularly sclIeduled amount d1l$ fOT (i) principal and intmst under the Note, plus (il) any amounts under Section 3 of this Security Insuummtt, (0) "RESPA" means the Iltal Jast~ Set1lCOleDt Procednres Act (12 U. S. c. 5 2601 et seq.) and lIS iwplemeotins regulation, Regulation X (24 C. F. R. Part 3~OO), as lI>ey might be amended from time to tima, or any additiolul or SIlC\:eS&Or legislation or reguJatioD tbaI govems the same subject malIer. ^" used in this Security InsttlllllClll, 'RESP A" refers to all roqulremonts lllJCl n:strictiollS thaI are imposed in regard to a "fedcraI1y related mongag.103ll' DVm if the Loan does DOt qualify as a "fcdt:rally reJsted mortgage Joan' under lUiSPA. (P) "S\lcCfAOr In lIIteI'esl of Borrow..... IOOllIIS aay parry that has laken title 10 the Ptopeny. whether 01 not tbaI pony bas as$umed lloIlOwer's obligalions under the NOle at1dIor tbls security Insuumem. PENNSYLVANIA - Slngl. F..,Hv. Fo.... _ "Oo \IN1fORM IHSl1\VMENT Viii,..... - SlIJC2IA. 7!fYJ 1'0"" 3039 01101 (PO.. 2 of t 6 Ne>l BK I 7 6 4 FG I 4 4 2 ..,'..--....---. D80-28-2004 10:51 Fro.-PRE~IER ABSTRACT +243 3390 T-968 P 004 H54 TRANSFER OF RIGHTS IN THE PROPERTY This Security iDstrumenl secures to Lender: (i) the repayllll:lll of !be Loa:a, and all renewals. e:xtensions and moditioations of the Note; and (d) the petformaoce of Bonower'. eovellanlS and agRcmel1lS ""der this Security InstrurnOlll and the Note. Por this l>\llllOSe. BOIIOwer does hlmby mortgage, pnt and collVey 10 Leader the followingdesaibedpropertylooated.itlthe lo...,n.lo.,p ,of' Uf~"'" A\\..,. . of (......1:100< .....c\. ~........ : (Type of Rocurdlna J~tcdanl I .IIMI Of R.i;ordIna J~""~tJon) ATTACHED whichcu=tIy has thuddress of 119 SINCLAIR.IIDAD ISv..tJ MECHANIC&BUR6 ICIty} , Pennsylvania 11055 IZIp CocI./ ('Property Address'): TOOBTHER WITH all the improV=1S now or hereafter meted 00 the ?~. and all easements, appunenaDCeS. and fixblr88 now or belCllftcr a part of lhe property. All rep~enlS llIld additicrns sba1I also be covered by this Security Insrtumem. All of the foregoing is refme4 to in this SecuritY lnslllUllCDl as the 'Property. . BORROWER COVENANTS that Bonowu is lawfully seised of the eslllle h=by conveyed and bas the right to mortgage. gt3Ilt 2Dd convey !he PJoperty and that the ProperlY is nueMlllllbfred. except for encumbrances of rec:ord. Borrower wan'lllls and will dofend geo=lly the title to the ProperlY against all claims and cIemal:l<ls, subJecl.to any <meumbranees of record. THIS SECl.IRlTY INSTRUMIl.N1: combiDes 1lDiform cavellalllS for national _ and nOll-wllfonn covenams wilh limited variations by jlltisdiction to _imtl: a uniform security instrntIl<nl covering teal property. PENNSYLVANIA - sinn" F...."- FonnI. M.oJF...,dHo M.. UNIFORM INSTRUMENT Umfonn - Sl1lOPA -7/00 !'om :lO39 DIIDI \pqo30fl6/>OBC<) BK I 76 4 PG I 4 4 3 0'0-28-2004 10:52 FrDm-PRE~IER ABSTRACT +243 3390 T-968 p.OOa/020 F-654 ,.. UNIFORM COVENANTS. Borro"",, and Lender covenant and agree as fOllows; 1. Payment or Principal, 1ntensI. Escrow hows, Ptepaymeot Cbargos, lIDd Late Charges, Borrower shall pay when due the prillcipal of, and intereSl 00, lhe dellt evidenced lly lbe NofC and 0SJy prllpaymcm charges and late <barges due UIlder the Note. !lotTow... &hall also pay funds for Escrow ItelllS punuanllO SeeliOD 3. Payments due under Ibe Note and this Security InsfrUlllcnl shall be lIlade in U. S. QlrIeUl:y. However, if any ebeck or o\hcr iDstrumenf received by lender as paymenl uuder the Note or this Security InsttUlllCDt is rmuued to Len<ler Ill1paid, Lender may IOQlIire that any Or all Sl1l>ICqDODI paylllCllts due uwler the Nom and lllis Security InS1:r\l1llCillt be made ill one or more of the followlug fonDS, as selected by UDder' (a) c:asb: (b) mDlleY or1lcr; (c) certified clll'clc, bank c:hecl<, lreasurer'. check or cashier'. check, ptQVided BIlY ~ check is drawn upon an institutioo whose deposi15 are iJLslIred by a federal agency. ilIstlwl1Clltility, or entity; ot (d) Electronic l'unds TJlInSfer . Payments are deemed recelvod by Lender whell recelved at 1M location dlOlignated in 1M Note or at such otberloeatiollas lIlay be designated by Lender in accordaua: with the uotie!: provisious in Section IS. Leader may relUnl any payment or panlal paYmelll if the p~ment Ot partial paym=m are insufficicnllO bring the Lo8li CUrTOtll. Lender may accepl 0SJy payment or paniat payment iusufficiOllt to bring 1hc Loan cum:ul, wiIhOllf waiver of any rights hereund... or prejudice to its rights 10 refuse such payment or panlal payments in \he tutute, but Lend.,. is DOl obligated to apply such plI}'IIlOIllS at the time such JllIY'llf'llls are s=pted. If each Periodic P.ylllClU is applied as of its scheduled due date, then Leuder need DOl p~ in_ on unapplied funds. Lender Illay hold sucb unapplied funds until Borrowflf maku payJnelll to bring the Loan =t. If Borrower does llOl do so within a ,",,"onable period of time, LeDder .haII timer apply 1ucl1 funds or Ietum them 10 Bonower. lfaot applied eulier, such funds will be applied. 10 the OUISIaIIding prillCipal balance 11Dder the NOIe jmmMhtely prior 10 [o"""_te. No 0lUe! or claim wbich Borrower IJIight bave IlOW or in the fuNIC agaiJIst Leadc:r sbaIJ telleve Borrower from making paymeDlS due UlIder me Note and Ihi. Security loslrUllleIlI or perfonning the coveoanrs and agr-. seemed by Ibis Securiry Inslrll@llt. 2, Application of Payments or Proceeds. Except as olbcrwisl) d="bed ill tbir. Stttion Z, all payments 8tC8)>Iod and. applied by Lender shall be appllild in the following ordar of priority: (a) interest due under lbe Note; (b) principal duellllder the Note; (e) amouuts due under Sectioo 3. Such paylllCDls $hall be applied to each Periodic payment in me order in which it became due. Ni.y ".mAi~;"g amounlS shall be applied fl1$t to late chargcl, second to illlY other amounts due under this Security IDslroUielll, and then to reduce the principal baIaIlce of !be Note. Ii Lender recti"" a payment frollt Bo_ for a deIhlquent Periodic PaymCll1 which iDcludes a sufficienllIIlOWlt10 pay atly late charge due, the paymel1\ may be applied to !be delinquenl paymCllt and the late ch"'lle. If 1llOn: than Olltl Periodic paymem W olllStanding, Leuder may apply any paylIlOlIl received from Bom>wer to the rcpllj'lllClll of tho Periodic Payments if, and to the e:Jllt:lll that, ellOb payment cao be paid in full. To the exteIIt that ""y excess cxisu aftEr tho payment is applied to th. full pa)'lllCllI of Ollt or more Periodic Payment<!. such =as may be applied to ""y late charges due. Vohmlal)' prllpaymenlS shall be applied tlrst to any prepayment charges and lIIen as described in the NOIe. Auy application of paymen\3. iImIranee proceeds, Of Miscellaneous Ptocccds to principal due under the Note .hatl Dot txteod ot postponC lbe doe date, or chlll8e the amount of the Periodic Paymeots. 3. FuIIds for &crow 1telIu, Borrower shall pay to Lender on rhll day Periodic Paylll<:lll5 are due \IIIdcr the Note, UIltillbe Note is paid in fuU, . SIlm (lbe "Funds') to provide for paylllClll of amounlS due for: (a) lues and _menlS and other items which can atlAin priority over this Security IDsllllmCllt as a lieD or encumbrance on lbe Property; (b) leasehold pa)'lllClllS or ground renlS on the Property, if my; (c) ptemiums for any and all PENNSYLVANIA. Single Femll>/-l'IInnJe MMIF<-ldie 10\.. UNIFORNlIIISTRUMatT UIliltnm.SIIK4Ph-71OO 1'0... 3039 01101 lJ>ol. ~ of l~ pojles) BK I 7 6 11 PG I It It 4 00,-28-2004 10:52 From-PREMIER ABSTRACT +243 3390 T-968 P.006/020 F-654 insurllllCC required by Lender under Sectillll S; and (lil Mortgage Insurance premi1llllS. if any. or any s1llllS payable by Borrower to Lender iIllieu of the paymtlll of Mong>;e ItI.Iur.lnCe p",minms in =rdallce with the provisions of Secti0l110. These itelllS "'" caIlell 'Escrow 1=,' At origination or al any lime during the = of Ibe Loan, Lender may require tIIat Colll1llunity ....SlbCialion Dues. F=$ and AoseasmalllS. if any, be OS<:rOwed by BottOwer. and such dUllS, fees 8Il1i asseosmems shall be an &crow IlClll. Borrower shall promptly Iilmish to l..ender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds fur Es<:row ItOIllB UIlltsS Leuder waiv.. BortOwer'. obligaliOl1to pay the Funds for any or all Escrow Items. Lender may waive Borrower', obligation to pay to Lender Funds for any or all Escrow lll!lllJ at any time. Iuly sudl wai...er may QO!y be in Wliling. In the evCllt of such waiver, Borrower 'ball pay directly, when and whOle payable, the amo1llU$ clue for any Escrow Items for whiell paymeDt of F'uDds ha$ been waived. by Lender ami. if Lender requires, sbaI1 furnish to Lender receipts t:VidCDelng sueb paYlllCllI within such time period as ~ may requitt. Borrower's obligation to malco sucll payments and to provide nlCCiplS shall fot all purpos.. be <teemed to be a covenant and. apmebl contained in this security lmD'UlllCDt, .. lbe phta$e 'covenant and. agreement' is used in Section 9. If 1IolTllWet is Obligated 10 pay EsCnlW 1lems ditwly, pllISuant to a waiver, and Borrower fails 10 pay the lIlIlOUDI due for an E=w Item, Lender may exercise its rights UDder Section 9 an(! pay sum amount an(! Borrower shall theo be obligated under Section 9 to repay to Lender any such amoum. Lender may "",oke the waiver as 10 any or all EscTOW IltI1lS al any time by a noli"" given in accordance with Section IS ""d, upon such revocatioll. IlolTllwer shall pay to Lender all FuwIs, and in such amOlJlllS, that .... then. requlnld UDder this Secti0ll3. Lender may. at any time. COlIecI an<! bold f\lnda in an amount (a) S\1flic:icollo pcIlllil Lender to l\Pply Ille Funds III the time specified under llESPA. an<! (b) nollo exceed the may.m..m amounl a lender can tcquUe under RESPA. Lender sballestimate the I\llIOUI1t of Fonda clue on tlJe basis of eurmI' data an<! reasonable estinwes of expendltutes of future Esaow ItemS or otherwise In aocon!llIce willl Applicable Law. The Funda shall be held in an institution o.iwse dqlo&ilS are ins\md by a federal agency. instnnllentaIity, or cutity (iueluding Lender, if Lcnllet is an iDstitutiol1whose depnsilS arc so insured) or in my Fcdenll Home: Loan !lank. Lendt1' shall apply the FnncIs to pay the E$(:row ItelllS no lllltt than the time sp<eillod under RESP..... L.cnd.er shallllOl chargellolrower for bolding and applylng the Funds. annually anaIyzi1lg the escrow _t. or verifying the Escrow ltet1lS, unIO$S Lender pays Borrower inlere>t on the Fonda and Applicable Law permits Lendet to malcl: such a charge. Unless an agreemetlI is made in WliIin8 or Applicable Law rcquiRs interest to be paid on the Fonda, Lender shall nol be ",quimlto pay 1Iorrowcr any interest or comings on the Funcls. 1Ionower and Lender can agree in writing, however, tbal interest slIa1I be paid on the F\IDds. lAnder shall give to Botrower. willlout charge, an annual aecounlillg of the Funds /IS rcquirod by RESPA. If there is a SUlplus of Funds held in escrow. as dafinod under llESPA. LcQder shall accoU1llto 1Iomwer for lbe excess funds in accordaDce with RESPA. If !here in shmtage of Fuuds held in _, .. <lefuled undar RESP A, LelUler shall notify BorrowCl' .. ~od by RESPA. and Borrower shall pay 10 Lender the amounl IIl:Ce$SlU')' to !nlIke up Ille shortage in aa:oEdauce With RESPA. bul in no more than 12 maotbIy paymenlS. If lbere is a deficiency of FIlIlds held in escrow, 1l$ defined UJldcr RESPA. l.eIlder shall norify Borrower as required by RESP A, and Bom>wet sb.all pay to Lender the atl\OIJllt DCCC'5aIy to make up the deficiency in accordance with RES!>A. but in no more than 12 monthly pay_. Upon payltleUlS in full of an.ums sewrcd by this Security WlIUIDOIIl, Lender shall promptly refund to Borrower any 1'1JU<ls bold by Lemler. PENNSYLVANIA - SlnglO F""'Uy.. F..... MHIF...,..o Moo UNiFORM lNSlRUIAENT VnlfonD" SlIIC5PA -7/00 Ponn 3039 OliOl (po8f" of 16 ...,,,,) BK I 76 4 PG I 4 4 5 D..-28-2004 10:52 From-PREMIER ABSTRACT +243 3390 T-S68 P.00T/020 F-654 4. Charaes; Li..... Banowcr sball pay all tax.., ISSOSSllIOIllS, charges. fm,., ond impositions attributable 10 1hc: Propeny which C3ll altain priority over lIIis Security !n&lt\lmelll. ]easehold pa)'IllOIllS or ground TetllA on till: Propeny. if allY, ond Colllll1UJlity Association Dues. Pees. ond As'csS1\lClllS. if any. To the ~n1 thal d1ese ilClllS are Escrow ItelllS, Borrower slWl pay them in the man= provided in Section 3. Borrower shall promptly discharge any lien whicb bas priority over tbio Security Imlrl1l1lent unI... BolTower: (a) agrees in writing to 1hc: jlayll!OnI of 1hc: obligaIioo. secured by 1hc: lien In a m:IllI1CT aoetptable 10 Lender, bul ouly SO long as Borrower is perfonuing such ag=ent; (b) conleSlS lbe lien In good faid1 by. or defends aglliDsl enforcemenl of the lien in, Iega1 prooeedIngs which ill l.auier's oplllion operate to prevent the enfurcemenl of the liell wbile Ihuse proceedings are pending, but olliy until such proceedings are concluded; or (e) secures from till: holder of the lien an agre<:ment satisfac",ry to l.A:Dder subonlina1lng a., Ii... 10 1hia Security 1lIstm1llell1. If Lender deterruino.s thal any pan of the Pmperty is 51IbJect to a Iim wI1lch taD attain priodly oVer this security lIIs=t. Lender may give Botrower a notice idenlifyiDg the lien. Wilhin 10 days of the date on whieb thalllOliee io given, Borrower shall satisfy the lien or take one Or more of the actions set fOM above in this Secti0ll4. Lender may require Borrower 10 pay a one-time charg. for a :real estlIte lax verification and/or reponing service used by Lender In eonnetuon wilh this Loan. S. Prnptrty Jmunme.. BolTower sbaU keep the improveJDenlS DOW existing or bereafr." erectod on the Property insured against loss by file, hazards included within 1ho lerm "exteDded coverage. . and any Olber Jw:anIs including, 1luI DOt limited to, earthquall:cs and floods, for whieb Lender rcquiI1l$ insunmee. This illsuranee slWl be mailIlaioed in the 3IIlOUnIS (including dedllClible levels) and for the periods that Lendet requires. Wh81 Lender n:Q\lixes pIlmllllll 10 a., pn:eading ...._ eaII ebouge during the lenn of 1hc: Loan. The in5ur.ulce eanier providing the insurance shall be ebO>ell by Borrower subject 10 Lend.r's right to dlsappro... Borrower's eboice, which right sltaIl not be ""eroised unroasooably. Lent1er may require Borrower to pay, in COJlDeC:tion with thio Loan, either: (a) a OJle-time charge for flood ZIIJle determination, certification 3Ild traeking services; or (b) a one-lime charg. for flood Zllne detetmiDation and certificatioll servi"", and subsequenl charges each time remappings or similar ebatt;ea nccur which tellSOnably mighr affect 51ICb determination or eenification. Borrower shall also lle respotISib1e for 1hc: payment of any fees imposed by the Federal Emergency MSJllIgemem Agent;y in c:olllltCrion with 1hc: Illview of any flood ZOIIe detcrmlIladon resulting from IUt objection by Borrower. J! Borrower fails 10 maintain any of the eovelllll8S described above, Lellder may obtain UdUIallCC coverage, 81 Lend.,,', option and Borrower's ""PeJIS". Lent1er is under no obligation 10 pun:haoe any pa:ticular type or aDIO\lDI of coverage. Tlterefoze, .ueb coverage shall cover Lender. but tnigbt or mighl IIOt prolect Banower, Borrower'l equity in the Property, or the contems of tlte Pmperty, agaiosl any risk, buard or liability and lIligbt provide gremer or lesser eovellllle than was previoU$!y in effect. Boaower acIaIowledges thai the COSI of the mslll7lllce coverage so obtained mighl signifiClUtIly eJt(:eed tI1e cost of msurance that BOlTow", could have obtained, Any 8lIlOWllS disbursed by Lender under this Section S shall become additional debt of JlotTO\Vllr $OC\Ired by thio Security lnsrmmenl. Thele _ oball bear interest at the Note rare from the dale of disb1me= and sba1l be payable, with such inter..t, upoll nodce from Leader 10 Borrower requesting paylllClll. All insuranc. policies required by Lender ond a:newal, of such policies slWI be subject 10 LeIldcr's righl 10 disapprove sueb policies. shall include a stamlard lIlOIlg.aae clause, and sltaIl name LeDdcr as mart&aiee and/or as ... additional loss payee. Lender shall have llte right to hold the policies and renewal eenitiealCS. If l.emler requires, B<>uower shall promptly give 10 Lender all receipts of paid prcmilllllS aod renewal no\iee$. If Borrower obtains my form of insurance coverage, IlOl otherwise requited by Lender, for damage to, or destruction of. the Propeny. such policy shall include a SUlltdard IllOllgage claUS<l and shall name Lender as mortgagee and/or as an additiOllalln.S payee. Form 3M9 01101 (pas. 6 of IS po,cO) PENNSYLVANIA. Single Family- F...... Moolf,ocIdlolloo VNlFOlIM INSTJlUMENT umroml' SIlK6PA. 7100 BK I 7 6 4 PG I 4 4 6 00,-18-1004 10:53 From-PREMIER ABSTRACT +!43S390 T-sa8 P.008/010 F-a54 In rhe even. of loss. Borrower shaIl give prompl notice to the iDsurance camer and Lender. Lender may make proof of IOS$ if nol made plOmpdy by Borrower. Unless Lelldcr and BDrrower otherwise agree in writing, any insunnce proceeds. whether or DOl the underlying insurance was required by Lender. sball be applied to reslotlllion or repair of the Propeny, if the reslOtlllion or lepair is econolllica\ly fe.sible aDd Lender', security is nol lessened. Dwing such repair and reloration period, Lender shall have the rlgbl lD bold such inAwance proceeds until Leoder bas bad an oppollllllity 10 inspect sueb Properly to e= lbe wodc; bas been oompleted to 1.ellder's satisfaction, provided lhat such inspecliOll shaIl bt o:odertaken promptly. Lender may disbune proceods for the repairs and teslol3liotl in a .ingle payment or in a serle:; of progress pll)'1lleDl.s as the wotlc is <:ompIcted. Unless an agreement is made in writing or Applicable Law requires inteteSllD be pllid On such insurance pl'OCCC<ls. Lender shall 001 be requi:ed to pay Borrower llI\y ~ or earnings on SUllh proceeds. Fees for public OlljllSlet3, or alher IbiJd parti.., relalned by Bomlwer sball ""I be poid OUI of the insunncc proceeds and sha11 be the sole obligatiOll of Bom>wer, U the .....,rlIIiou or repair isllOl economically feasible or Lander's ~lY would he lesoeued, the insurance proteeds sha1I bt applied to lbe SWll$ searrod by !his Securlly 1nstnunoDl, wbcther or nol then due, with Ibe exeeso, if any, paid to BoITOWer. Sueb insurance proceeds shall be appliod ill the order provided for in Section 2. [f Borrower abendollS the Propeny, Lender may file, negotilUe and settle any available i...urance Claim lllld relaled QlallerS. Il Barrow... docs ""I respond within 30 days 10 a notice from 1.cuder tbaltlle inmrance carriet has offered 10 !Oltle a claim, men Lender may negotiate and sente the claim. The 3().day period will begin when the ootice is givCIII. In either event, or if Lender acquires tile Property under Section 22 or otherwise, Borrower hereby assigllS to Lender (0) Borrower' $ righl. 10 any insur= proceeds in au amount JIOIIO _d the amounlS unpaid under the Note or this S<curlly InslrumcnI. and (b) auy o<her of BotlOWer's rights (Olber Iban the righllO any refUnd of Ul1llOI'Iltd pmni1llll$ paid by Borrower) under all insurance policies covering the Propeny, insofar as sucb rights """ .pp~1e 10 the coverage of the Property. LeJlllcr may use the insUIllllce proceeds eilber 10 repair or ItSlOre the Property Or 10 pay lIIIIOUIll$ unpaid uncIet Ute Note or this SceurllY lnSlrUmenl, ....hether or nol thell due. 6. Occupanq. Borrower sbaIl oa;upy, ~rablish, and use the Propeny as Borrower's principII residence within 60 days after the execotiOJl of this Security InsOUJnelll aod sbaIl continue to oc:cupy the Properly as Bormwer's principal residence for at leasl one year after the dale of OccupaIlcy. unless Lender otbelwise agrees in writing. which MIISonl shall nOl be WIreOSODably withheld. or unl.... ext"'l'Iadng circ1llll$lallCCS exist which are beyond Borrower's Mouat 7, l'teservatioo, MalntOllllDce and ProlectiOll of the Property; IJlspectlcms. Borrower sbaIl not deslroy. damage or impllir the Property, allow the Property 10 deteriorate or collUllit waste on the Propeny. Whether or 001 Borrower is residing in the Property, Borrower ,hall maintain Ibe Property in order to prevCllt the Propeny from deteriorating or decreuing in value due to ilS coodition.. Unl= it is detetmillod. pursuant to Scdion S lhat repair or retoration is J10l ccollOIllically feasible, Borrower shall promptly repair Ibe Propeny if damaged to avoid fiuther deterioration Or damage. If insurance or oon<J-.tion praecedi Ole paid in COlUleClion wilh damage 10, Or the laking of, Ibe Propeny. .llonower shall he ....ponsible for repairing or reslOring Ibe Propeny only if Lender bas released proceeds for sllCh putpOSes. LelIder may diSburse proceeds for the "'Pain and IOSloration in . ,ingle POYlIlllllt or in . series of progress poyJllCQIS as the wotlc is oomp!cted. If the inslmwce or copdPmft.'ion proceeds are IlOt sufficient to repolr or restore the Prope.tty, Bom.>weI is !lOt relieved of Borrower'. obligaOon for Ibe completion of such repair or reslORrion. PENNSYLVANIA. Single FemOy.I'1InnI. _toddl. III.. UNIFDRMINSTRUMENT UpiJonn .. SnK1PA - 7/00 Fcmn 3039 QUOI (p*..70(16_) BK I 76 4 PG I 4 4 7 D8,-28-2004 10:53 From-PREMIER ABSTRACT +243 3390 T-9a8 p.009/020 1-554 Lender or its agent may make l't:3Sonable CIIl1ics upon and iD~OJlS of the Property. If it b.. reasonable cawe, Lender may Inopecl Ille uuerlor of the inlproVClllt:DI5 OJ! tbll Property, Lender ,hall give Borrower notice at the time of or prior 10 ,uch an interlor inspection specifying such reasonable cause. 8. Borrower's Loan Applicatloo. Borrower shall be in defaull if, during the Loan appliealion proecss, Borrowet or any persons or entities acting al the direction of Borrow" or with Borrower', lalowledge or C<ll\liClII gave materially false, wslcadlng. or inaccurate information or statOlDC\llS to lcn<icr (or failed 10 provide Lcndc:r with material information) in collDCl;tion with lbe Loan. M3Icria1 repreoematiODll include. bnt are IlOI1imitcd to, "'P~UlatiOJlS coDCerIling Bon"ower', occupancy of the Property u Borrower's principal residcncc:. 9. l'rotectln ot Lender" Interest in the Property IlIId Rights Under tbis Seeuruy lDsInJmem. If (a) Borrower fan.. 10 perform the covenants and agreements COIItained in lhis SecQrity Inst:nlJlIeD., (b) there is a legal proceeding !bat might slgnifiClllltly affect Lender's interesl in tI1e Property andIor lights WId... chis Security IIISI1"IImelU (such as a proceeding in blllkruplCy. probate. fO\' condeumation or forfeitu:o, for enfOrocttlmll of alien which may attain priority OVer chis Secm;ty lnsm1men1 or to ...rorcc laws or regalatiom). or (e) Borrower has abandoned Ille Propcny, thcII Lender may do and pay for whateVer is reasonable or appropriate to protect Lender'. intere.st in Ihc Propcny and rights under this Security WtnmleIIl, inc:1udiIl; protecting and/or lISSC$Sing Ihc value of the Property, and seo:uring and/or repairing the Property. Lend....s actions can include. bUl ano IlOllimired tu: (a) paying aDY $WllIl $CClIrCd by a lien whi<:h has priority OVer this Security InslrllrDelll; (b) appearing ill COIlrt; and (0) paying .....onabl. attorneys' fees 10 protect its intcrcat in the Propel"\)' andlor rlgbts IIlIdar this Security lDs_t. includlng Its secured position in a hanlaupu:y proceeding. Securing the Propcny iDcIudc:l. but i, 1101 liIlUted tn. entering lhc Property co make repairs, ebange lllCks, replace or board up doors and wind.ows. dn.in wucr from pipes. eliltlinate building or olll.. code violalions or dangerou, conditi_. and have utilities turned on Or off. A1\btJugh l.cD4er may ~ action under this Section 9. Lender does llOt have Ie do so aDd is DIJt under any dulY or obligation to do so. II is agreed that Lender;"cun no liabiliryfor DOl taking any or all actiolIs atIllIoriD:d under thls Section 9. Any atnO\UlIS disbursed by Lender Ullder this Sel:li0ll 9 shall beeorne atklltional debt of Borrower secured' by lhis Secnri1y wttumcnt. These 1IIIlOUII\5 sbaII beat intercsl at lhc Note rate from the date of disbntsemcnl and sIIall he payabl.. with such iDleresl. upon uotice from Lender to BorrowCl' ~uesting paymt1ll. If this Security Instrument is OD a leasehold. Borrower .haIl comply wilb. all the provisiOIl8 of Ille lease. If Borrower acquires fee title 10 the Property, the leasehold and the fee till. shallllOt merge uuless Letlder agrees 10 the tnefgtr in writing. 10. Mortgage 1IIsuraDee. If Lender tCCluired Mortgage Insum>ce as a COIIClitlon of rnaI:ing Ibe Loan. Borrower shaI\ pay the prcmilllDS rcquiIed to <lI~ir>t"'~ the MDn8a&e In$uran~ iD effect. If. for any reaoon. the Mortgage fusuroncc coverage tcqtIiIed by Lender ...... 10 he available from the mo\tgalle iDsuret thai previously provided such insurance and Borrower was rcquiIed to make separately designated pay_llIS toward tbe preminws for Mongage Insuran.... Borrower shlIl pay the premlum8 required 10 ubtain coverage substandaIly equivalenllO the Mortgage In&ut1\lCC proviouslY in .ceca;. at a cost subSlanlially equivalellt 10 \be cost 10 Borrower of tbe Mongagc lDsunnce ptcviously in effect. from an 01_ monga,ge insurer scIoctcd by Lender. Ii sullitantially equivalClU Mortgage Insunnce coverage is DOt avallallle, Bomlwcr shall eorllinue 10 pay to Lender the amoUll' of the separ8ldy designated paymems that were due when the insurance coverage ceased 10 be in effeet. Lender will accept, _ and retoin Ihese pnymenlll as B IIOII-refu.ndablc loss reserve in lieu of Mongage In$urance. Such loss reserve !\IaI1 be nOD-refundable, DOlWitbstandiDg the fact thallhe Loan is ullimat<!ly paid in full. 8IlII Lender shaIl not be reqnired to pay Borrower any intcreSl Or cam:QJgs OIl such loss n:scrve. lcIIdcr <:an no longer lCQUire 10.. PENNSYLVANIA - Sing" ,"mfiv- F_ MoaIFtoddlo ,..., tlNll'ORl4INSTRUMEHT umlb"" - SlUtllPA - 7100 fohD 3039 OllOl (pase a of 16 JllJC5) BK I 7 6 4 PG i 4 4 8 Dsc-28-2004 10:54 From-PREMIER ABSTRACT +243 3390 T-9S8 p.ol0/020 F-S54 re5e1'Ve paywents if Mortgage Imurance <overap (in lbe amount IIIld fQr the period that Lender lOClui=) ptl)viderl by 1IQ iDsurot selected by Lender again be<:omes available, is Qbrallled, :md LellcIcc ieq1lires separately dc&ignated payments toward the premiums for MQ~ Insurance. If Lender required MQrtgage Ios_ as a condition Qf making tilt Loan illld Bom>wer was reqUired tQ lIlIIke scpantely designated payDlODlS toward the pmWIml> for MQrtgage Insunmce, Bonower Shall pay the pn:miums reqtrlred IQ maintain Mongage Insurauce in effect, or 10 prQvide a JlQD-refuudableloSB reset\'e, until the Lender's requirement for Mcmgage WUl'aI>OO ends in =rdance with any wrillcn agreement betWeen Bonower and Lender providing fQr stICl1 tenltiDariott or lU1lil termin>lion i$ 1'llquired by Applicable Law, Nothing in Ibis Section 10 llffeclS BorrQwer's obligatiQn to P"Ei interest at the rate provided in the Note. Mottgag.Insurance reimburses Lender (or any enti[y that ptllCIIaoes the N()[e) fQr certain Josses it may iDcur if Bonower does DOl repay the Lolli as agreed. Ilozrower Is nol a party to the Mortgage Ins1mlnce. Mortgage instlrers evaluate their [QIa! lisle 00 all such insurlIO<:e ill fon:e from lime to time, aocl may enter ilIto agreemt/Il$ with allier parties that $bare Or modi1Y theif risk, Ol" reduce losses. These agreeDl""'" are on terms and conditions that arc: satisfllClD1)' to the OlOrtgage insurer and the o!her patty (or ~) tQ these agrctll>tDlS. 'Ih.... agn>emenl$ IDlY :equire the mortgage insllIOt to make payments using any ><>un:e of hwla lbat thelllOl1gage insurer lIlay bave available (which IlIaY include fillId.! obrained from Mortgage Insurance plelllil1lt1S). As I result Qf these 8glCCJIleI1IS, Lemer, any purchaser of the NQte, II1lOIbcr insurer. any "'insur.... any other entity. or any affiliate Qf llIIy Qf the fQregoing, may ttt.eive (directly or indinoctIy) amoWUI that derive from (or might be cbaracterized as) a portion of llonower's paymOlll> for Mortgage Illmniucc. in Ollchauge for sbarlng or modlfying the mortgage iDsurer's risk, or redul:ing losses. If socii ag=l provides that an affiliate Qf Lender lakes a share of the !n$un:r's ris!: irl OltobaIlge for a $bare Qf !he ptcmillJllS paUl 10 the iIIsurer, the arrangcmenr io often [enned 'captive~.' Funher: (8) Any such agreelllents 'Will not affect 1IIe llDrouats that Borro"er bas apud to pay Cor Mortgage IIISID1lD<e, or aDf otber terms of the 1.t>aD. Such agreements wllJ not iDertase the amQUlIt Bon:ower will OWe for MQrtpgelllsuntnce, llIld they wW not ...lItIe JIonD..... to my ref_d, (b) Any such agn:emeDts wllI lIat arr... tile righls BoI1'lllffi" has - if any . with rospeot to the Mortgage IDsurance UDder the BomOOWDers Prolection Act of 1l/!l8 or any otb...Ia". Tllese rights IDaY im:lude the ri&ltt to rocebe cOtbbI cIIseI_. to request and obtabl ~ of the Morigagt.1Dsurallce, to bave tlte Morcgag. 1115_' temlilUlte<l autQmatically, ad/or to nceIve a rdImd of any Mortgage IDsunmce preml1lD>S that ..ere lmearned at the time of suclt ClUICeIIallon or tenninallon. 11, Asslgmnenl: of MIsocJlaJleoll5 Pmceeds; FQdeilure. AU Miscell_ Proceeds are berel>y assigned tQ and ohaU be paUl to Lender. If the Properly is damaged, sucll Miscellalleous Proceeds sball be applied 10 restoration or repair of the Property, if !he restoration or repair is economically feasible lIIld LeIlder's security is not lessened. During such repair and resloration period, Lender shall bave the rigbl ro hold such MisuUaneous Proceeds unriI Lender has bad an llJlllOmJllity to inspect such PropertY 10 ens~ the work has been cmnplelCd to Lender's satisfaction. provided that such inspett:jon shall be \!IIdertal:en promptly. Lender may pay for the repain and resrorauOJl in a single disbuuemen~ or in . series Qf prosress payments as the work is colllplelCd. UDless an ~ is zuade in wriling or Applicable Law requ;n,s inl~t 10 be paid au such MiKellaneous ProceecIs, Leader shall not be required to pay Borrower any mteresl or eamfugs on such Miscel1antous Proceeds. If the teSloralion or repair i$ DOt economically feasible Or Lender's security would be leueIled. the Miscelllllltous Proceeds shall be applied [0 the sums secured by tbio Security lnsrrument, wbllcher or not theD due. with lbe ex..", if any, paid to BolIOWer. Such Mi.C/"J'."'""I/J Pmcceds slWl be applied in the order provided for in Secrion 2. PENNSYLVANIA - Single fo",;)y- _. MoollToddl. _ UNIFORM INSlRUMENT lTDifcnn - SUK9P.o\ ~ 7/00 I'orm 3O:uJ 01101 (poJo 9 of ~&_J 8K 1764FG 1449 D,,-/9-/004 10:56 From-PREMIER ABSTRACT +/43 3S90 T-969 P.Oll/010 F-654 , In \Ile event of a ll>tallllkinB, desllUClion, or loss in value of the Propcay, the MiscellllnC>US Proeeeds shall be applied to the '\lIIlS .ocured by this Secnri!y Il1SlnlmCllt, whether or IlOllhcn due. with the e~, if any. paid 10 Borrower. In \Ile event of a partial taldng. doauucliOn. or los. in vaJne of the PropIII"Jy in wilieh the fair matII:el value of the Property immedilllcly before the paniallakiDg. desauetion, or loss in value i$ "'IuallO Or grwer than the amount of the sums 5OC1I!ed by rhis ~ InslrWllODl immc:dimly before the partial takillg. des1luetion, or los. in value, unless Borrower and Lender othCIWise aP<<' in writing. the SIlmli se<:tUe<l by lhis Sel:urity lnstrwnent shall be reduced by W: lUIlOllIII of Ibe Mi$celJaneow ProceedsIDUltiplied by the (ollowing fraction: (a) <be lolal amount of the sums secured immecfiatcly before the plIlial tllcing, desll11Clion. or los. in value divided by (1)) the fair lIllUket value of the Property immediately befoJe the partia1laking. desttUctlon, or loss in value. Any baiatK:e .balI be paid 10 Borrower. . In the event of a paniaJ taking, dest~on, or loR in value of the Property in wIlleh the fair marJceI value of the Property illllllddialely before the paniaJ lIkiIlg. deslnU:tioll, or loss in valUe is lesa than the amoUJll of the 5UJII. secured ilDlllCdialCly before me paniillaking. destnlClion, or I1>5S in value. unless Borrower and Lender othetwi.e aglee in writing, the MiSC'nR.e<'U.' Pm<:eeds ohall be applied to llIe .ums secured by thi. Security wmuncnt whelber or DOl the Sll.1lIs arc theIl due. l! the Property is aMndoned by Borrower, or if. after no.ice by Lender to Bonower that the Opposing Pany (lIS definl!d in the nexl senIcD<:e) ofti:ts to make Illl award 10 sel1le a c:laim for damag... BoIl'OWCf flIilll.o JeSpOJl(\ to Lender within 30 days after the dale the nolloe is .Ilivc:o. Lend... is authorize<llo 0011= snd apply the Miscel\lllleoos Proceeds either 10 l'CStOratinn or repail' of the Property or to !be sums SCCll1'Cd by this Security lnstrWDCllI, whether or lUlt tbeo doe. "Opposing Pany" IIlCillIS tho third patty tIIlll ow.. Borrower Mi_n..""us Proceeds or the pany against whom Borrower ha;s a nghl of lICIion in regard to Mis<'pnoueous Proceeds. Borrower sba11 be in default if any llClioo or ~. whether civil or crInlina1. is begun that. in Lender', jodgemtlllt. could rewll in forfeiture of the Propony or otller malorial impainnent of LendAr'. in_ in tho Property or riJltl$ 1lIIder this Security lusllUlllOlll. Borrower can cure such a default and, if accelention has oc:cwred. reinstato as pwvided in Section Ill. by causing the lICIion or proce<";oS to be dismissed with a rulin& tIIlll. in Lender's judgement. precludes forfeiture of the Propeny Dr DIh~r malCrial impairment of Lender's interesl in the Property Or righu under dlls Soeurlty WlnlmClll. The proceeds of Illly award or olaim for daJnages !bat uc anributablt ro the Impairment of Leeder's intoresl in <be Property are h=by assigned Illld ohall be paid to Lcoder. All Miseallaneous Prooeed.s that.... nOI applied 10 restOralioll or repair of !be Pmpeny sbail be applied in Ihe order provided for in Section 2. 12. Borrower Not Reltused; Forb~ By Lender Not II W~, Extension of !be limo for paymetI[ or modification of amoni2arion of the SIIJIlli secured by this Scc:lIrity lnsuumetll sI'llIted by Lender 10 HollOwer Or any SllCl;eSsor iD lmeresl of Borrower shalllIOl opemtC 10 release !he Ji1l1>ility of Borrower or any Successors in Interest of Borrower. Lender shallllOl be ttqUired 10 eomm:nee ~;tlg> against any SUccessor in InlCl'OSI of BollOwer or [0 refuse to exrend am. for peymCllt or otherwise lIl(ldif'y lUllonization of the SUIIlS ..cured by \his Sccnrity Inslrllmenz by _ of any dtn1llllll made by the origiual Borrower or any ~.ors ill Interesl of Borrower. Any forbelr8IlCO by Lender in e:wcisillll any right or remedy intllldin&, without Jimilalioo, Leed....s aceep!lUlte of payment. from third penoIlS. en1lties or Successors ill Interest of Borrow... or in lIIlIDUOlS less than the amDW1l then doe. ohall not be. waiver of or preclude the exercise of any righl or. remedy. PENNSYLVANIA - Slngl. F.mlly. F_. M_ddl. M...IINIFORM INBTRUMENT UtIiCotm -lllIKIOPA -1/Q/l Fol'll\ 3039 01/01 (pop 10 of 16 JlOI'S) BK I 7 6 4 foG I 4 5 0 Do,-/9-1DD4 10:56 From-PREMIER ABSTRACT +/43 3390 T-969 P.OI//O/O F-654 .. 13, Joint anel Sevtl'lll LiabUity; Co-sicnen; Sucusrors IIUd Assigns Bovud, Borrower CllV=lS and 88=- thaI Bonower's obligations IIld liabilil}' ohaIl be joillt.m. sevem. HowllVer, any Borrower who co-signs. this Security Instnuoenl bUI does not CllOCUlC !be Note (a "c:o-sp"): (a) is co-signing lhis Security WlnlmClll only to mortgage, grant and convey rhe co-sigoer's il>tereSt in the Property under the terms of this Seourlty lnsuumeat; (b) is 1101 personally oblipted.lo pay the SIlIIIS secured by this Seeorily Instrwneol; and (0) agrees tlw Lender IIld any other Borrower can agree to extend, modify. forbear Dr make any =mmodalions with regard to tho lernlS oflhis Security lMlNmeM or the Note withOut the COo5igner'. consent. SubjecllO lbo pttlvisions of Section 18. any SUccessor in Ioleresl of Bonower who assumes Borrower'. obligations under \his Security lnstrl1lllent in wtiting, snd is approved by Lender, shall obtain all of Bom>wer's tip" and beIIofilS undor tha Securily Insll1ll/lOlll. Borrower sbalI not be released from Borrower's obligations and liabilily UIlder this Secnril}' !n$tnlI1lO1lt 1lll1ess Lender agrees 10 such release in writing. The co~ and agreementl Of this Socority InsttumCllt shill binel (excopl as provided u. Section 20) and benefit the successors Illld assigns of Leoder. 14. Loan Charges. Lender may c::llarge Borrower fees for services performed ill connection wilb, Borrower'. defll1llt, for the purpose of ptolCCling Lender'. inleresI in the Property and righlS under this Sel:urity Iostrolllt:llt, in<:ludiDg, bUI not linllted 10, anorneys' fees, propeny iIlspeetion and valul1ion f.... In rC8ard 10 any other f.... the absence of express authoril}' in \his Securily InsmuncntlO charae a $jlCCific fee to Borrower shall not be constrUed as a prohibitioo on the charging of such fee. Lender may not tlwge fees that ale expressly prohibited by this Security Iostnnnont or by Applicable Law. If the Loan is subject to a law which .... ma;<lnunn loan clllorges, and tballaw alinaUy inlelJlretod so that lb. interest or other loan charges collected or to be ooIIected ill wnncctio.o with the Loan exceed the permitted Iimirs. then: (a) any such loan charge shall be reduced by the antOlllll neeessmy", reduce the charge to the pmnllled limil; Illld (b) any sums aIrcady collected flOlll BolIOwer which exceeded pennitted limits will be re1lloded 10 Borrower. Lender may choose to make lhis refund by Jedocln& die priDclpaJ owed under the Note or by making a direct paYIlICDI to Borrower. If a rc1'ulld reduces priDcipa1, the reduClioa will be treated as a partial prepaYlllCIlt without any prepayment charge (whe1her or not a prepayment charge is provided for under the Note). Borrower's acceptanee of any $Ilch refund made by direct psyment to Borrower will consril\llC a waiv... of any righl of a.etiaIl Borrow"" might haVe arising Out of such overcharge. IS. Notices. All notices glvCil by Borrower or Lender in COImeclion with this Security lnstnlmentlDllst be in writing. Ax.y noticeo to Borrower in COIWeClion with this Security lMtrumeIIt shall be deeolcd to have been given to Borrower wilen mailed by fim class mail or when aemalIy delivered 10 Borrower'allOlice address if sm by other moans. Notice to any 0110 Borrower shalI CODIlitult noli.. 10 all Borrowers unless Applicabl. Law expressly requires othotWi$e. The notice address sha1I be the Property Address unIc:s$ Borrower has designated a $IlbslllOlC notice address by notice 10 Lender, Borrower shill promptly notify Lender of Borl'Ow(lr's change of acldress. If Lender specifies a ptDO!dure for reporting Borrower's chango of ad<bess, 1hen Borrowet ohaIl only report a cbaIlge of address through that Specified procedure. There m:E! be only one designated notice address Ullder this Security Insll'llIllOllI at anyone dIlle. Any .llOtice to Lender ohaIl be given by delivering it or by mailing il by first class mail to Lender's addtcs. slated herein unless Lender has designated another address by IIOlice to I3orrower. Aw notice in connection with \his Security Insll1llDelll shall not be deemed to have been given 10 Lender until actUaIJy received by l.eIIder, If lilY notice requited by lhis Secnrity waument js also required under Applicable Law. the Applicable Law rc:quimnent will satisfy the corresponding requimnem onder this Se<:urity luslrUlllenl. PENNSYLVANIA. Sill\l'. F.mlJy. FOIlnleIlil._ MooUNU'OIlIlilINSTRUMENT u.ur."". smmPA -10100 I'orm 303901101 (pqc It.r t$_> BK I 7 5 4 PG I 4 5 I D,,-~a-1004 10:5T From-PREMIER ABSTRACT +~43 3390 T-saa P.013/0~0 ,-a54 16, Govet'lling LaW; SeverabDlly; Rales of CDJISlruotlon. This Security InslrunlCllI shall be govomed by fedeJlli law and the law of the jurisdiCtiOD ill which rhe Property is located. AD rilhl$ and ObUgatiOdS conlaimJd in this Stl:u:rily 1Jls=1 are subject to any rc:qoirements and limitatiOIl$ of Applicable Law. Applicable Law might ~licidy or implicitly "'low the partie. to agrt:e by CODtrllCl or i. mlghl be silent, but such silOllCC ohall Dot be coDStrucd as a prohibillon against agreement by conUSct. In the evtnl thal any provision Or clause of this Security WlrUIDCnl or the Note CODflielS with Applicable Law, such conflict shall not affect olher pmvaioos of this Securiry WlIument Or the NOle which can be given effect wilbout the CODflie1ing provisiOn, As used in this Securil}' Insuumeol: (a) words of the mucuIitto geoder sItlIil mtoI1 and include cott'OSpOlldiog lleuter words or word. of the feminine gender; (b) words in lbe siDgular shall mean and inclUde the plural and vice ver..; and <c) the word 'may' givO$ sole disctetion wilb01lt any obli.ption to talee any SClion. 17, Borrower's Copy. BorroW\1l" sball be givenQllC copy oftbe NOIe snd ofthi. security Insaumen.. 18. Transfer of the Pt-operty or a Beneficlalllttenst in Bonowec-. As used in this Section 18, "lntere.!l in lbe Pmperty- meaDS any legal or beooficial interest in the ProperJy, iI1cludiog, bill nor limited to, lhDso benefIcial intcnlsts transferred ill a bond for deed, contract for deed, in._nrn"llI sales COOtracl or escrow agroemeel, the intent of which is the transfer of title by HolTOwor III a future daIo to a pon:haser. If all Dr any part of the Ptopetty or any Interesl in the Proper!}' iI sold or tranSfom:d (or if BolTOwer is nol a na!11ral person ami a beJtcticial intcr..l in BolTOwer is sold or transfcmd) without LeIUIcr's prior wriltcJJ COIISCIlI, Lender may rc:qUite imnlediate pa,ymeo\ in full of all SIIItlll sa:wcd by this Security Insttument. However, this option shall no. be exercised by Lender if such .~ercisc is prohibiled by Applicable Law. If Leodar exetcl&es this option, Lender shall .!live Bonvwcr ""lice of acr:cIcration. The lIOrice shall provide a period of DOl less than 30 dsy. from the date !he notice is given in accordwe with Section i5 within which Borrow." must pay all sums $CCUrcd by this Secnril}' wtrumem, If Borrower fails to pay these $tl1DS prior to the expiratioll of lhis period, Lender may invoke any remedi.. permitted by this Security Inslnmtent without further IlOIk.e or derDand on Borrower. 19. BOrTOwer'.1Ugbt to RdllSlate After Atc:e1eration. If llon'ower meets certain conditiOJl$, Borrower .hall have the righllo have enforcement of this Security InsIroment discontinued at any time prior fj) the earliCSlof: (a) five day$ before sale of the Propeny pursuanl to Illly power of sale C(Ultaiood ill tbls Security Instrumen'; (b) such other period as Applicable Law might speciJy for the mmina1loo of Borrower's righl to teinstate; or (c) CIlll}' of a judgement eoforcing this Security lnsl1'tlmeDt. Those conditions are that BolTOwer: (8) pays Lender all $Ums which then would be due Under this Securil:y lDstl'lUllmt and the Note as if no aeeeienltian had occurred; (b) cures any defaull of any other covenants or agreemCllts; (e) pays ill expen.scs ineurrcd in enfotting this Security Iustnllllcnt, including, hUI1lO1limited 10, reasonable attonleys' fees, property inspec:li<>u snd valuation f..., and other fees incumd wr the pwpose of pmlocting Lender's inlerest in the Propcay and rights under this Secoril}' IllSlI'Umeo1t; and (d) lakes such action lIS Lender IIlaY tellSOnably n:quirc to assure that Lender's interest in llIe Property and rilhts under this Security Instrument, and llon'ower's obligation to pay the sums S<.cIU'CCI by thi. Sertlrily InstrumCOI. shall COlllillUC lll1C!laogcd. Lender may reqlllIt that Borrower Pllf $IIch reinswclllClll SUIIIS and eJCpCDSes in one Dr more of the rollowillg funns. as .oleote<l by Lender: (a) casb; (11) lIIOllCyorder; (c) certified ebock, bank check, treasUtCt". cheet Or cashier', c:ltock, provided any such cltcclI: is drawn upon an ins1llUtion wbose deposits are insured by a federal agency, insaumenlalityor entiIy; or (d) E1ectroIlic Funds Transfer. Upon relnstatetnent by Borrower, rltis Securil:y lnslNmenl and obligations secured Itoreby shall mnain fully effective as if no acceleration had OCCUrred. However, thi, right to reinstate shall nOl apply in the case of acceJeratlon un<Ier SectiOIl 18. PENNSYLVANiA - Singl. F.mil,/," Fonnl. N1eo/Frod<fi..... UNIfORM INSTRUMENT IJnifo"" - B11K12l'A -7/00 FOnD 3Q3.g 01/01 (pag.12 or 16 PO"'> BK I 7 6 L~ PG I 4 5 2 D,,-/9-/004 10:59 From-PREMIER ABSTRACT +/43 3390 T-969 P.014/0/0 F-654 20. Sale or Note; ClulDge or Loan Servicei'; Notlce or GrievBhee, The Note or a partial inlereSl in the Note (togelh... with this Security lnsmuuent) can be sold one or mo~ times without p<ior DOrice to Borrower. A sale mlghtlesolt in a cbllllge in !he ClIlIty (known as tile 'Loan Servic:er") that coUoets Periodic PBymenrs due under th. Note and thi. Sc<:urity lDsU\llllelll and perfonns otller mortgage loan servicing obligalloos under the Note, this Security Iustrllment, snd Applitabl. Law. There also might be 0lIC or more chang", of !be Loan Service! JWrciated 10 a saIo of the Nate. II thetl: is a chaDge of tho Loan Servil:or. Boaowcr will be given written Doriee of tho change which will stale tbo Ill\IIle SIld address of me now Loan Sarvicer, the address to which payments should be made aIld any other information lUlSP A requireo in coanection with a notice of tran<for of sclVicing. If tho Note is sold and thereaber the Loan is serviced by a 1.o1lll Servicer other thm the porebaser of the NOle, th.lDOttgage IOl\ll servicing obligaliDOS to BOrrower wiJl..mam with !be Loan Servicer or be tnDsferxcd to a successor Loan Servicer and are nO! assumed by the Note purchaser unless otherwise pnwided by the Note purchaser. Neither BoltOWCr nor Lender IIIllY commence, jain, or be joined to Ill\)' judicial acIlon (as either an indi~idoallitigallt or tile member of. class) tbal arise$ from the o<ber psrty'. aetions porsuanl to lhis Security !mInlmOllt Dr that all.ges that the other party has bll!8Ched any provi&ioll of, or any dUJy ow.:d by rooson Of. this Securlty IIlsIrumant, un1l1 such Borrower Dr Lender h3$ noti:licd the otbcr party (with such notice given in complillllce with the rc:qoircIoenlS of Section 15) of such alleged b~ 3lld affon1ed the other patty herero . I"ODSOnabl. period afler tile giving of such notice to lake cotri<:tive lll:tion. If Applicahle Law provides a lime period which must 'lapse befo,.., cenain acrioQ can be takerl.. tIIlll time period will be deemeclto be n=onable for JlUlPOScs of this paragraph. ne noli.. of =1era1iOlllllld opponunity to cure giVOllIO Borrower purwaIIlto Section 2A aDd the oo1lcc of occeJellllion given to Borrower pUBttllllt to Soctlau IS ~I be deemed 10 sa1lsfy the oolico and opponunity to rake corrective ae1ion ptOVisioos of this s.eUOll 20. 21, Jla2ard0ll$ Subshlnces, As used in tills Section 21: ca) "Ha>ardous SubsIanc..' are those sub'lllllCeS defined as toxic Or hazatdous SubsllnC<S. ]lOllutants, or w..... by EovirolUllCllUl Law and the following substances: gasoline, kerosene, other lIllIlllDAble or 1<Wc petI'Olewn produeu, toxic pesticides add herbicides, volatile solvents, materials mnraiDing asbestO$ Dr fonnaldcbyde, and radioocllvo materials; (b) "Environmental Lliw' me_ fcderallaws and laws of the jurisdiction where the Propcny is located tbaI re1aro to health, safety or enviroomemal protection; (c) 'EnvlrolllImDtal Cleanup" inclUClcs any response action, mnediaJ actiolt, or temO~al acIlon. as (\etined in Environmental Law; and Cd) an "Envimomemal Conditioo' mcaos a eow;litlon that can cause, COIltrlbu~ to, or orherwiJe trigger an Enviroomontal Cleanop. llom>wer shall DOl cause or permit tho presc:oce, use, disposal, stong" or release of my Hazardous Substances, or rbreaten to reI..... any H3%OIdous Substances, on or in !be Properly. Borrower shall not do, not allow anyone elSe to do. anything affecting the Pmpeny (a) tbal is in violalioll of any Eltviron=mal Law, (b) which cream lUl Envlronmental CondillDll. or (e) whicb, doe to the presence, use, or release of a Haanlous Substllllcc, cteales a c:ondiUOD tbal adversely affects the oalue of Ib.e Propen)'. The preceding two SCQleDCCS sbaU nOl apply to the pIeSCIle., ose, or storage 00 the Propeny of small quantiIios of H~dous SlIbstancea that are generally recognizecllO be spproprilue to normal residential uses and to maln=ance of the Pn>peny (including, bur nollimiled 10, ha>.ardous substallCOS in COOSWDOr products). BolTOwer sbaU promplly give Lender wri.ten IlCllice of la) any investigatioll, clailn. demaod, lawsuit or other acrion by any govctWlleDtal or regulatorY agency or priv.... patty involving the Property and any HazardOUS Substance or Environments! Law of wbieh Bom>wer has aclUaI knowledge. (1)) IlllY Eovironm...'>\ Condition, including but not limited 10, any spi1Ilng, Iellking, tliscbaIge, rei..... or threat of ",lease of any HazardOus Substance, snd (c) any c:ontlltiOlt c:ausod by the pmsence, !lSe or release of a Ha=dotlS Subs= which adv=ly affects the value of the Property. If Borrowet leams, or is notified by any goverIlIDOlllal or regulalory aUrhOriJy, Or any private party, tballll\)' removal or Olber remediation of any Hazardous SubstanCe affecting lbe Propmy is oecessary, Borrower shall pIODlpIIy lata. all IlCCCSWY l'CII1edial actiOllS in accordance with Eovironmellla1 Law. Nothing heroin shall create any obligalioo on Loader for an Enviroomenral Cleanup. Pol'1l\ 3039 Qltot (pap 13 0116 1"'P'l PENNSYLVANIA - Singlo fomily- FoMfelllwftodlio M..IIN1FORIIIINSmuWNT Uoifo...' SlI1;13PA - 1/00 BK I 7 6 4 PG 4 5 3 .,. D,,-15-1004 10:59 F rom-PREMIER ABSTRACT +/4a 3390 T-9a9 P.CI5/ClO F-a54 NON-UNIFORM COVENANTS. Boll'OWer Illld Lend.. further COvCll8lll and ag..... as follows: n. Accderatio11; RCI11edies. Lender sllaUllb. noli.. 10 BoITO...... prior 10 aa:denlloD following Borrow,,",'s brosch of aDY coveDllDt or agrc<!meat in IhIs Security lDsUumeut (but Dot prior to aceeIeratlon lUId... Seeti<m 18 unIca Applicable Law provides otIlerwlse). t...der sba1IlIIltlfy Bomlwer or. llUlOD& other thlDgs: (a) the ildalllt; (b) the aclion required 10 cure the default; (0) wh... the dofault IDIISt be cund; aDd (d) that fan".... to tlm the default lIS speelfied may result /II acceleratioa of tile sums secured by this Secllrity Iostrumeat, foreclosure by judie/Ill proecedlng and $Ide or the Property, Lend<< shall further iDt_ Borrower of tbe right 10 reinstale after aa:eleration and the right 10 assert In tIu: fond....... proceeding the noa.exislcn... of a default or auy other defense of Bol'tOWel" 10 aa:deradOll nad tondOS1lR, It lbe dtfault Is not cured as speclfied, l.eDder lit Its option may require IInllledlate paymeut in tuJJ of aD SUDQ secured by this Security .lJJslnunOllt without further dCl11and lib(! may toncloso this Seemly Instnlmeot by judldal proceeding. Lender shall be entitled 10 eoIkct all expenses incurred iD pursulng lbe Rbledles pl1>>'lded ill this Sectlop 22, lndudl"ll. but not limited 10, attorneys' fees and costs oftllle nideDce to lbe exteat permitted by Applicable Law. 23, Release. Upon payn>.eDl of all 5UIDS .ecured by Ibis Security lusll'WllCDl, 1bii Security ~ and the eslate couveyed shall terminate and become void. After sucll OCCUmllCC, Lender sha1I discharge awl satisfy this Security lnslnlment. Borrower &b:Il1 pay any recotdlltlon cools. Lender may chatge Borrower a fee for releasing this Socurity wnumetlI, bot only if the fee is paid to a tbird party for service. rendered snd the chargiog of the fee is pennined under Applicable Law. 24. Waivers. Borro'lm, to me extOOl permitted by Applicable Law, waives snd rei..... aD.'! etrDr or dsfecla in proceedings 10 enfo= Ibis Security luslnlllleDt, and hereby waives the bcootit of any pttsetll or fUt\lIC laws providing for stay of exeentiou, extCll.ion of time, =ptioll from .v",h'1lent, levy and sale. and hOltlCltC8d exemption. l'onn 303901101 (pa.. 14 of 16 POI") PENNSYLVANIA. ilnGIO Famllyo P...... Moo/freddie Mec I/NIFORM IOl$TRI/MEIIT Uniform - S11X!4PA. 7/00 BK I 7 6 4 PG I. 4 5 4 .. -----.' . 00,-19-/004 10:59 From-PREMIER ABSTRACT +/43 3390 T-9a9 P.016/0/0 F-654 25. ltelmtatement Period. Boll'Ower's time to reinstate provided in Section 19 ohall extend to one hour prior to the OOIlUllCllccment of bidding at a sheriff's sale Dr o<ber oak pursuaDtlO this Security Instr\lmClll. 26. Pun:hase Money Mortgage. If IlllY of the debl se<:IlI<d by this SecuriJy lnslr1llllClll is Ie." to Borrower to acquire title to the Property, this Secnrity Insttunlent shall be a purcbase money mongage. 27. IntottSt Rate After Jud&ll1ent. Bouower agJCeS IhaI the intcresll1llC payable after a jUdgment is enlered on the NOle or in an action of mongage fOl'e~I= shall be lb. rate payable "om lime to time under !be Note. BY SIGNING BELOW, 1loll'OWet accepts Illld lJlfOCS to the tetmS aod covenants contaitled in \his SecuriJy lnsaument and in any Rider CllCCUtCll by Borrower and recorded wirh il. Willle,ses; '.v\4~d' ~ "".or"" .,. / ~~J j.lit/l AfA (/ ---- '- ..... (Seal) -BotrOw", (Seal) -Bolrower (Seal) .Borrower (Seal) -Boll'Owct PENNSYLVANIA. SinQIo Fomlly. F_ _'""clio M.. UNIFORM INSTRUMENT U.lform- stIKISl'A-7/f)/) Fom 303901101 (pIIglll 15 of 16 pIS") BK I 7 6 4 PG I 4 5 5 00,-/9-/004 11 :00 From-PREMIER ABSTRACT +/43 3390 T-969 P.Ot7/010 F-654 " lS,.ce Bilow lhfs Un_ For Ac:knD1l4.dQMefltJ ColllDlOllWCalth of PCIlDSylvaoia ) ) $0: County of CUNB ER LAND ) Onthi5,lhe ;J. 7-t"\ day of :T......"'-<- "2..oc>'Z... ,beforUlle, A ttI-4"'-"J theUlldecsignedoffil;S..~lllIlli..appeOICd J.............~. 't-\. Q.....tt'...,h... ",-"cL u ..,-1:..,' v. I:!.v-FI". ''''j -(-"'''' l:n0Wll1O lllC (or satisfactorily provCll) 10 be the per5011(S) whosc_ subscribed '" the within illSt11UllelR Illld acl<nowIedged that ~ executed !be same for the purposes herein contained. IN WITNESS WHEREOF, I hcreunlO sel my hlUl(\ aad official seal. . --::~ .)~;t1')' Titlo of OfffG"ol' . 'l)'~~'';'' ....: ",it" . . 'r~, -:,..~. " ~-,::~);~;:;:};~i{~ -! .1. ..~<; ;.' ':.~..-:: '" ;"f' ~ '':: .~j. i1 I~ c:.Yd:' ':".,~..." '.: -.. ri" ..~... '):;,:. :;, .;' ..~, . c 'v"- _. _. . , h'.-,1:~'. \;..: <,,-,/1 tl: :- . :AY ~.""'~ ~<$;... c>~~~.'i: N OTARJAL S . AL.J,)"; ..~: t'~,;~"~.~~~-;.'.;~ ./...l!.. _ReEL J. GARDNER, 1IOT_..wiJC.. '~": '1,:~"'Qt.", . "lAT! COLUQS. CEH1RI 00.- PI ,'.::: ":"~~i::f~ . IIV c_alON EXPlRl!llll.lllC1llC. '-:JI.f: d'~ My Commission Expires: '-'\Ail u Jt,OIl J . I certify that die precise acIdresJ oftbe ~ bereinis: ;). ('..-a1~\..dL\\ D{"~u.. , ~' - '<"PP"~ Fo,", 3039 01101 (page IS of 10_1 PENNSYLVANIA - Slngl, famny. F_ MooIf.-' _ UNIfORM lN51lIUMENT UDiform - SllI<16PA - 7/00 BK I 7 5 4 PG 1 4 5 6 De,-18-1004 11:00 From-PREMIER ABSTR~CT +/43 3390 T-9S9 P.019/0/0 F-654 .. , E:lCHIBI'r "A" LEGAL D2SCRIP'rION All that certain piece Or parcel of land situate in gpper Allen ~own"hip, Cumberland County, Pennsylvania, 1Il0re particularly bounded and described as fcllows, to wit: BEGDlNtNG at a point 1n th.. c::enter of the public:: townlilhip 1:oad lead.1nq frOlll the Williams Grove Rcad to TrincUe Springs, which said poi-nt i. South aeventoy-four deg>:ees thixty minutes no seconds West (S 74 30' 00" W), a d:i.atance of faux hundred fifty-one al'ld no hun~edths (459.00) feet f>:OIIl the intersection cf the centor line of the Willi_iii Grewe !toad. with the cel1ter line of the public:: TOWZl.!lhip road, afor_entioned; thence along the l.i.ne of lands formerly of Gcoorga Weir Strock and Molia A, Strock, his wife, now cr la1;8 of MaGuire, South fifteen. degrees thirty minute" and no "eoonds East (S 15 30' 00" E), a d:i.stance 01' two hundred and eleven and forty hunclreclths (211.40) fe..t to a point in the Northern right of way line of the Pennsylvani... Turnpike, North eighty-seven c!eqr..ea fifty-four minute. and thirty seconds West (N 97 54' 30" W), a d:i.st:anoe of OAe hunclz:ed ten and no hundredths (110.00) feet, 1Il0r.. Or les.., to a point: in said xiqht: of way line; thence along the line of land fo~rly of Seorge Weir Strock and Moda A, Strock, his wife, now o;r:' foz:merly of Lee A. Bi tier and M;o.Q' Bi tlex, his wife, North fifteen degrees thirty mitlutes 110 seconds West (N 15 30' 00" W), a d:i.s1:anc;:e of one hundred seventy-eight: and fo:ty hunclz:edths (178.40) feet to a point in the centex of the publio Township road aforesaid: thence along the eent:er ~.i.ne of ,,;lid >:oad, Noxth seventy-faux dag-rees thixty minut.... no seconds East (N 74 30' 00' !;l), a d:i..~oe of one hund:ed five and no hundredths (105,00) feet bo a poin~ at the pl&c.. of BKGrNNrNG, UNDER AND SU8.n:C'r. NEVERTHELESS, to al1. "strictions, resenations, c;:onditions, covenants, easements and right.. of way of prior record. BEING the same px_ises which Todd. I" Iluncan, lIinqle perllon, and 'rhe Homes'tead Group, lAC., a Pennsylvani.. Corporation, by deed dated November 14, 2001 and xeoo:ded Daoember 21, 2001 in Cumberland County in Deed Book Volume 249 at Page 3607, granted and conveyed unto James H. Buffinqt:on and Vicki J. Buffington, his wife. BK I 7 G 4 PG I 4 5 7 Dw/a-1004 11 :01 From-PREMIER ABSTRACT +143 3390 ADJUSTABLE RATE RIDER IIJSOR SIIr.MOnth Indo: IA. PubIlIl'lld In Tho w.tJ/StrQt./IhII'rWI-RItl Q1P&J Lo.n tlumbef' SU7t01lF THIS ADJUSTABLE RATE RIOER ill made thia 21th dsy of Junl, 20UZ , and Is Inr:orporltBd into and ,h,1l be doomed to wnend 1100 supploment the MartgIQEt. Deed of TflJ!lt, 01' Security Dnd (th. "Security Inlll'llMont") of the Mme datt given by the undersignod l~aorrowBr"l to secure Borrower's Adjuatable Rata NotBlthe ~Nol:''') to Key Bank USA, Nattonal A.aae latlon {"Lend.r'" of the ume dam and coWlIng t.he property deScribed In lhe SOCurity Intotrument ib(ld located Bt: 719 SINCLAIR kOAD, MECaAMICCiURO, PA 11099 tPtoptrCyAddtllu] THE NOTE CONTAINS PROVISIONS AUOWlNG FOR CHANI1E$ IN TH~ INTalEST RATE AND THE MONTHLY PAYMENT. THE NOTE UMIT$ THE AMOUNT BORROWER'S INTEREST RATE CAN CHANGE AT ANY OtlE TIME AND THE MAlllMUM RATE BORROWER MUST PAY. ADDlT10NAL COVENAf<<'S. In al:ldltlon to tho CQVBnlnt8 and agreement. msdl In tne Security Instrument. Botrow,r and Lander furthe.r covOl'\ant and agr88 8& follows: A. INTEREST RATE AND MONTttlY PAVMENT CHANGES The Not. proviQ'es for an IllitiallntarB&t rate of 8.51100 1}6. .1\8 Note providlV for chsl'Ig_ In the nuerest rato .nd the monthlv payment.. DI follow.: 4. INTEREST RATE A/IID MONrHlY PAYMEN"/' CHANGES \AI Chong. D.... Th. interest fata I wOl pny mey chll'lge on the t",1\: dlV of JUly 2, 2004 , and on that dtlv every 81 xth month mBreafter. each date an whic;h my [nte<fi.t nlte eQUid changlll i. celled 8 "Change [)S1.." IBt Th. Inde.o iaglflnlng with tho first Cnange Oat.., my Interest rete will be tJesed Dn Ill" Index. The "Index" is tha 8VBrBIHI of InUlrbank offered ratCls fot six month U.S. dollarwdenomin.t.ed d.potits in the l.ol1don market ("L1BOfl"l, M publlfmed in The Wall SUecJtJoumlll. Th8 Most r~n\ lndex flgUle )Ivlil.blo iIlIS Df the first business da'l of the montl1lmmedltl.'t8ly prececlln; tho month In wl1lch the Cl't.ange Dato OQ:(::ur. i. ~llled the: "CLlrrent Index." If thB lndtuc )s no longer avail.ble, thG Nota Holdet will cI1oas. 8 nsw index that I. band lJflOn romperabl' lnf(lrmltlon. Thta Note ,",old.r will ;1'#8 me notice of tIli. choice. lei C_on.f Cl10ngu Blfol8 ttlllcn Chlnge Date, the Note Holder will celc;:ulat' my new interest rate bY Iddlng ..... ani Nlnoty-Six H.o~rodtn. perc.nl'ijl points ( 7,S6 %1 to the CUrrent Ind~. ThIS Note Holder will thon round the result of thiS addltfon to the n..rest ono.oigl'lth of one peri:lerrt8911 point (O.126%l. Subject to m. IImiw stated 11"1 Sec:tion 4(Dl baJow, 'this Jtlundad atnQunt will be my ne.....lnlerOSt rate until tho nBJ(t Chlnge Oats. The flots Horder wUJ therl dB1Brl11in. tn. BmQun1 ~f the monthly payment thlt would bG Sufficient to repav tha unPlld principal thu I Et1l eXIMc:ted ta QW. It 'tM: Change Date in full an th, MlrtUrlty Dat8 at my new Il1Wrtl't retl in .ub8tanuallv oquel peymlnUl. The resuh: of tills cliIlculatlo., will be thB now amount of my monthly paymlllrrc. ID} llmltt em lot...... Ratt OhMS" Thl lntotmat I'".w I am roquirad to pay at thl first ChdllgB Date will not be Qremr than 11.S00D % or 18S4 than 1.5QOO lib- Th4!.twtBr. my interot't ttltB vAll nevar bo 1t\C1'illlasad or daCtl!llUed on any single Change Date by mora thin On. pllrcenUlg. poil1t8 ( 1 %1 frQtn the rZltI of jnterllt I he". batln Plying f()r the preceding ;I)C monrh.s. Myintorm fiRs will ne'ier be greow than 13.5UUO ~ or 1.1$ than I. '000". tel EftecU\/'. Oat. o( Chll\g8t My new lotar8lt r8t~ ..",ill become off.CliVl on oach Chango Dnte. I will pay the ~mOlln1 of my new monthly paymont b8gillnll19 On the flr4t mOr'lthly payment dMG i1ftor tM ChanaG Dats untll the amDunt of my monthlv p~vmem: changes agail'\. (F) Non. of Oh.englS The Nota Ho\der wIll deliver or moil to me . nolica of .IllY changes: in my iJTl;E1fU:t rlilte and thG amount of my monthly payment bofore the effectlvo d8hi1 of any change. The notice will include Infotmatlon reqLllred by law to ~o given to me and also mil lItle jnd t.IBphone number 01 a parson who will .nvw8l' ""y question I may have regarding ,hll notlcB. f.I\lJ.l.'t'lS'TATE. AD-JIJS'TAJI.C UTE RIDE.P....waOR 5\X. MOWT1-\ lNDiX \M pubhh-" 11'1 Th.. walt s-zr-t JI:Illf'ftq\)-sm;. f!ilmllr-Farvlle Maa UnlfQfM Jnatr~nt Ul'Iltarm. 3''3SP1 -10,20Q0 IFeo-1 /;It 2 ~1flI1' Form 313B 1(01 BKI7&4?h\4SB 1-968 P.019/020 F-654 0","/9-1004 11:01 From-PREMIER ABSTRACT +143 3390 B. .TRANSFER OF TilE PROPERlY OR A BENEF1CIA~ INTEREST IN BORAOWEft UnIform Covenant 1 e (If ths SecurIty Instrument '" .manded to "ad as follows: TnIOlf.r of th. Property or . Banllflcl8l 1nWR't I" Borrow.r. At used In this Section 18. -'merest in the Property. moan. 8ny 10881 or blJn.Bfitlial Interest in tl'\l PropertY, Including, bllt !\Of: limited to, tho" blneftclallnwre. transferred in 8 bona' fer deed, ccntr.et for deed. Inst8Ilm\trl1: 811.. contnlct or escrow agreemlllnt. the Intent of whiQh is the transfer of tide by Sorrower at s future date to.. purchaser. If all or any lien of till PrO~ or Bny Intarlt&'I: In the Property Is lold or transfa(Ttld (or If Borrower Is not 8 Mlturll psr$on and B beneticl811nterNt In Borrower Is sold Of trllnliforredl witho\lt londe~'. prior written ccn'en~ Londor miIY requIre imml!ldlat8 PlYmern in full of all s\Jma securod by thI. Security Inltrl,ltn8nt. Howevet, this optic;m shell not be exercised by Lender if BUch aXlrel.. Iii protllblted Py Applleablo law. lender 111&0 shall nat exen;:is8 this option if: (al Borrower callAS to be sl,lbmimd tQ (..Bndor IntormBti~1't required bV Lander to ev'sJuate thl Intended trensfBl'lI!IfII III If 8 OEM 10lln w.re bAing made tQ tI'Ia ttonsferee: and lb) lender r'BloMably de1artninea that Lend.r', HC\,Irity wib not be impaired by the 1011" aaaumptlon line! thlt the rl,k ot a breactt of any covenant O( Dgtaoment in this Security InstrUment is lIIecGptlbf. to Lend... To the extent permitted by Applleabll'l Law. Lender may chars., .rBuonable fee as Ill;Ofldltlon to Lendar's content to the loan 8ssumPtlon. Lender mlllV also require th& tr.rm=.ree to ~gll an assumption _"reement that Is IIccepli\blo to umder end t]'lBt abllgates the 'transfer'lI. tQ "elllp 811 the promlaos and eQr8ement9 mud" In the Note and in this Socurlty Inttrumem. Borrows( will contirll,le to be obligatael unde' the Nott end this SSl;lurlty Instrument unlcSI Lendar r,leaSes Borrower In wrltfng. If l.lmdar tJ)c,etcls18 th, option 'to reqUirB lmmedlau. payment In full. Lender sh~ll gIve Borrower nQtj~ of aceeJel'eUon. TnO notice 8h~11 pto\flde . period of OQllasli than 30 dllYIj from tt1e date the l'Iotiee 11 given in accordance with Seetion 15 within whiCh Borrower mUtl'C pey 6111 sum. aAeured by 'Chi. Security InstrUment. If BDTTower teilJ to PlY lhasa; sums prior to tha explrJ't;ion of mls period. Lend" rnay Invoke eny (Girted!" permitted by this SecuritY InstrlJment wlthou'C funher notlCB or demand (In aorrower. BY SIGNING BELOW. BorroWl!It Bccepts and agrees to th* tarmll and covenant5 contaIned in ttll. Adju,'Cable Rate RIder. ~,- ~~. /J . .h./ ----1--_.". ~811 .: ~NES H ,.,. -Battower ISAIt -Borrower ~~ IS..1) vICXI ~ N N -Borrows' ISa." .2orrower J Certify this to be recorded Tn Cumberland County P A L.-...,;.~.-',-r-~ ~ ., . ... ~':CQ""<lr ...[Deeds UnifOrm' 3'3Bf1. -,O/2QOO Pase a at 2 pac" Form31:JB 1/tl' BK I 7 54 PG 14 5 9 T-969 P.%/% F-654 ~ <>-w Key Home Equity Servtces 2 Gatehall Drive Parsjppany, NJ 01054 10/29/2004 800-490-8558 JAMES BUFFINGTON 719 SINCLAIR RO MECHANICSB, PA 17055 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of1he default is provided in the attacbed pages. 1be Homeowners' Emergency Mortgage Assistance Program (HEMAP) may be able to help to save your home. This notice explains how the program works. To see ifHEMAP can helD vau vau must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN :10 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with YOU when YOU meet with tbe counselin2 3llencv. The name. address and nhone number ofConsumc:r Credit Counselin~ A1rel1cies servinll your countv are listed at the end ofthis Notice. ]fvou bave any questions vou may call the Pennsylvania Housing: Finance A2Cncv toll free at 1-800-342-2397 (oc:r~ns with imoaired hearimz can call 717-780.1869t La Notificaion en adjunlo es de suma importancia, pues afccta su derecho a continuar viviendo en su <:asa. Si no comprende el contenido de esta notificion obtenga una traduccion immedie.tamente Uamando esta agenda (pennsylvania Housing Finance Agency) sin cargos al numero mencionado arriba. Puedes Scl elegible para un prcstamo par el programa Ilamado "Homeowners' Emergency Mortgage Assistance Program" al alaI puede salvar su casa de la perdida del derccho a redirnir su hipotcca. HOMEOWNER'S NAME(S) : PROPERTY ADDRESS: JAMES BUFFINGTON BUFFINGTON 719 SINCLAIR RO MECHAN1CSBU, PA LOAN ACCOUNT NUMBER: CURRENT LENDERlSERVICER: llim1 Key Home Equity SeJVices, a division of Key Bank, USA, NA You mav be elilzible for financial assistance which can save your home from foreclosure and helD vou make future mortea2C Davments if you comply with the provision of the Homeowners' Emergency Mortgage Assistance Act of1983 (the "Act"). You may be eligible for emergency mortgage assistance: if your default has been caused by circumstances beyond your control, you bve a reasonable prospect ofbeing able to pay your mortgage payments, and if you meet other eligibility requirements established by the Pennsylvania Housing Finance Agency. TEMPORARY STAY OF FORECI OSIJRE- Under the Act, you are entitled to . temporary stoy of the foreclosure on your mortgage for thirty (:10) days from the date of this Notice. During that time you must mange and attend a "face-to-face" meeting with one of the designated consumer counseling agencies listed at the end of this Notice. This meetiml must occur within the next thirtv (0) daYS. IF VOIr DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUSTERlNG YOUR MORTGAGE UP TO DATE. THE PART OF TIllS NOTICE CAIl.ED "HOW TO CURE YOUR MORTGAGE DEFAULr' EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES- If you attend a face-to--face meeting with one of the consumer credit counseling agencies listed at the end afthis Notice~ Key Home Equity Services may NOT take further action against you for thirty (30) days after the date oftbis meeting. The names addresses and teleohone numbers of deshmated consumer CO\lIlSelin2 Bszencies for the county in which \'Our nmnertv is located are set forth at the enrl of this Notice. It is only necessary to schedule one face-Ie-face meering. Yau should advise this lender irmnediatelv of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE- Your mortgage is in defauh for the reasons set forth later in this Notice (see following p.ges for spe,ili' infonnation about the nature of your default). If you have tried and are unable to resolve this problem with the lender. you have tbe right to apply for financial assistance from the Homeowners' Emergency Mortgage Assistance Fund. In order to do this. you JmIst fill out, sign and file a completed Homeowners' Emergency Assistance Application with one orlbe designated consmner 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 completed 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 00 NOT FOLWW 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 em established by the Act. The Pennsylvania Ho additional time, no foreclosure proceedings wi the Agency of its decision on your application NOTE: IF YOU ARE CURRENTLY PRO NOTICE IS FOR INFORMATION PU (If you have filed bankruptcy you can still a H NATURE OF TIlE DEFAULT - The MOR DEFAULT because : A. YOU HAVE NOT MADE MO a 31iiJ. ]089.9] Late Chames: c Other CharO'e!>ls : (d) Less: Credit Balance: (e) Tota) amount reeuired as of lOi29/2004 B. YOU HAVE FA]LED TO TAKE HOW TO CURE TIlEDEFAULT-Y AMOUNT PAST DUE TO LENDER, BECOME DUE DURING TIlE THIR payable to Key Home Equity Services IF YOU DO NOT CURE TIlE DEFAUL T-I exercise its ri~ht to accelerate the moTtnl2:e lose the chance to pay the mortgage in month Key Home Equity Services also intends 10 in IF THE MORTGAGE IS FORECLOSED UP case to its attorneys, but you cure the delinqu incurred up to $50.00. However, if legal pr are: over S50.00. Any attorney's fees will be within the THIRTY (30)DAY oeriod. YOU wi! OTHER LENDER REMEDIES- The lender RIGHT TO CURE TIlE DEFAULT PRIOR proceedings have begun, you still have the ri paying the total amount then past due plus an other costs connected with the Sheriffs Sale default in the manner set forth in this Notice EARLIEST POSSIBLE SHERIFP'S SALE months from the date of this Notice. A noti the default will increase the longer you wait. HOW TO CONTACT mE LENDER Name of Lender: Key Home Address: Two Gstehall Telephone Number: 801l-490-8SS8 EFFECT OF SHERIFF'S SALE- You should continue to live in the property after the sheri time. ASSUMPTION OF MORTGAGE- You may outstanding payments. charges and attorneys. YOU MAY ALSO HAVE THE ergency mortgage ass.istance are very limited. They will be disbursed by the Agency under the eligibility criteria using finance Agency has sixty (60) days to make a decision after it receives you application. During that II be pursued against you if you have met the time requiremenls set forth above. You wilt be notified directly by TECTED BY THE flUNG OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS RPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. pply for Emergency Mortgage Assistana) OW TO CURE YOUR MORTGAGE DEFAULTfBrina it uo lodat,). TGAGE d,bt held by tbe above lend" On your property located at 719 SINCLAIR RO PAIS SERIOUSLY IN NTHLY MORTGAGE PAYMENTS for the following months and the following amounts IIrc now past due: $3269.73 213.48 IS 1200.41\ 3297.8 TIlE FOLLOWING ACTION (if applicoble) : ou may cure this default within llURTY (30) days from the date ofthis letter BY PAYING THE TOTAL WHICHlS PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES (and other charges) WHICH TV (30) DAY PERIOD. Payments must be made either by cashier's check, certified check. or money order made at Two Gatehall Dr.. Parsippany, NJ 07054. fyou do not cure the default within nURTY (30) days of this letter date, Key Horne Equity Services intends 12 debt. This means that the entire outstanding balance of this debt win be considered due immediately, and you may ]y installments. If full payment of the amount of default is not made within 1lURTY (30) days ofthe krter date, struct their attorneys. to start a legal action to foreclose uoon YOur mort2"ued Drooertv ON.. The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. 1fthe lender refers your eney before they begin legal proceedings against you, you will have to pay the reasonable attorney's fees actually oceedings are started. against you, you will have to pay the reasonable attorney's fees actually incurred even if they added to the amount you owe the lender, which may also include their reasonable costs. [(VDU cure the default 1 not be recuired to DaV attorneys' fees. may also sue you personally for the unpaid principal balance, and all other sums due under the Mortgage. TO SHERIFF'S SALE- If you have not cured the default within the TIlIRTY (30) day period and foreclosure gbt to cure the default and prevent the sale at any time up to one hour before the Sherifrs Sale. You may do so by y late charges, charges then due, reasonable attorneys' fees and costs connected with the foreclosure saLe and any as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your will restore your mortgage to the same position as iCyou had never defaulted. DATE- It is estimated that the earliest date that such sheriff's sale could be held is would be approximately five (5) ce of the actual date of the Sherifrs Sa.le will be sent to you before the sale. Ofcourse. the amount needed to cure You may find out al any time exactly what the re<J:uired payment lX' action will be by COl1tacting the lender. Equity Services a division of Key Bank, USA. NA Dr., Parsippany, NJ 07054 realize that a sheriff's sale will end your ownership of the mortgaged property Bnd your right to occupy it. If you trs sale, a lawsuit to remove you and your furniture and other belongings could be started by the lender at any Dot sell or transfer your home to a buyer or transferee who win assume the mortgage debt, provided that all the fees and tests are paid prior to or at the sale and that the other requirements of the mortgage are salisfied. RIGHT To sell the property 10 obtain money to payoff the mongage debt, or borrower 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 ifno default had occurred. (However, you are not entitled to this right more than three times in 8 calendar year). To assert the nonexistence ofa default in any forecLosure prot:eeding or any other lawsuit instituted under the mortgage docllments. To assen any other defense you believe you may have to such action by the tender. To seek protection under the federal bankruptcy law. Sincerely, Key Home Equity Services A division of Key Bank, USA, NA We an: attempting to tolJed a debt, and any tnformatio. that we receive may be used for that purpose. PENNSYlVANIA HOUSING AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES -. -..-.--.,---.,.- BEDFORD COf.hIT'f ADAMS COUNTY Man-Valley Unemployed Committee Bedford-Fulton Housing Services American Red Cross-Hanover Chapter 120 E 9'" Averue RD. # 1, Box 384 529 Ca~isle Street Homestead, PA t5120 Everett, PA 15537 Hanover, Pennsylvania 17331 4f1~1l."'! 814-623-9129 717-637-3768 AR..Vmo."'v COUNTY FAX 81+623-7187 FAX 717-637-3294 cees of Western Pennsylvania, lnc. Tableland services Inc, Adams County Housing Authority 217 E Plank Road S35 East Main Street 139-143 Carlisle 5treet Altoona, PA 16602 SOmerset, PA 15501 Gettysburg, PA 17325 814-944-8100 or 814-944-5747 814 445-9628 or 180(\-452-0148 717-334-1518 FAX 814-443-3690 FAX 717-334-8326 Indiana Co. Community Action Program 827 Water Street, Box 187 CCCS of Western Pennsylvania Inc. CCCS of Western PA Indiana, PA 15701 217 E Plank Road 2000 Ungleslown Road 724-465-2657 A1toona, P...I6602 Harrisburg, P'" 17102 FAX 724-465-5118 81~loo 717-541-1757 FAX 814-944-5747 FInancial Counseling services or Franldin Mmstrung County corrmunity Action Agency Armsdale Administration Bldg. Weall1eMzation Office 31 West 3" Street RD# 8 Box 287 917 Mifflin 5treet Waynesboro, PA 17268 Kitt:annlng, PA 16201 Huntingdon, P'" 16652 717-762-3285 724-548-3405 814-643-2343 FAX 724-548-3413 J(eyStMe Economle De\leloprnent Corporation AllEGHENY COUNTY aU vu COUNTY 1954 Mary Grace Lane Action Housing, Inc. Johnstown, P'" 15901 425 6th Avenue Action Housfng Inc. 814-535-6556 Pittsburgh, P'" 15219 4256" Avenue Suite 950 814-539-1688 412-391-1956 or 412-281-2102 Pittsburgh, P'" 15219 FAX 112-391-4512 412-391-1956 JERXSCOU,VTY FAX 112-391-4512 Housing Opportunities Man Valley Unemployed Committee Budget co..-.seling Center 133 Seventh Street 247 Nath Firth Street McKeesport, P...15132 120 E 9'" ...venue Reading, PIo. 19601 412-664-1906 Homestead, PA 15120 610-37s-7866 FAX 412-664-mm 412-462-9962 FAX 610.375-7830 FAX 412-9964 PHF'" (MaMea Hess) CCCS of Western Pennsylvania Inc. Community Housing Counselor, tnc. 2275 5wallow Hill Road, Bldg. 200 P.O. Box 244 Pittsburgh, PA 15220 971 Third 5treet Kenneth Square, PA 19348 412-429-2842 Beaver, PA 15009 610-444-3682 F,6,)( 412-429-2835 724-774-0793 FAX 610-444-11243 Community Action 50uthwest HD\Jslng Opportunities Inc. CCCS of Leh~h Valley 22 west High Streel 133 Seventh S~ 3671 crescent COUrt East Waynesburg, P'" 15370 P.O. Box 9 Whitehall, PA 18052 724-852-2893 Mcl<eesjlort, PA 15134 610-821-4011 or 800-220-2733 412-664-1906 811 only Urban League of P1ttslllrgh FAX 412-664-0873 FAX 610-82H1932 Bldg. For Equal OpportLrity Housing Opportunities fA Beaver COUnty Inc. _Ie Opportunity Cab"et of Schuylkill One Smithfield st. Plttsbur9h, P'" 15222-2222 650 COrporation Sl 5uite 207 Cotx1ly 412.227-4802 Beaver, PA 15009 225 N_ centre street FAX 412-227-4870 724-728-7511 PoltSYIlle, PA 17901 717-622-1995 Credit Counselors of PA Credit COUnselors of PA FAX 717-622-0429 401 Wood St Suite 906 401 Wood Sl SUite 906 PittSburgh, PA 15222 Pittsburgh, PA 15222 /lUIRCOUNl'Y FAX 412-338.9963 112-338-9963 Bedford Fuhx>n Housing Services FAX 412-338-9963 CCCS of Western Pennsylvaniil, Inc. RON 1 Box 384 309 Smithfleld Street Everett, P'" 15537 Pittsburgh, PA 15222 814-623-9129 412-471-7584 FAX 814-623-7187 BUCXS COUN1T 6tfTLER COfJN7T Weatherization Office 917 Mlfllln 5treet Acorn Housing Corporation ActIon Housing Inc. Huntlngdoo, PA 16652 846 Nortl1 Broad Sl1eeI: 125 6"' .......nue Suite 950 814-643-2343 Philodelphia, PA19130 Pittsburgh, PA 15219 215-765-1221 412-391-1956 or 412-281-2102 Keystone Economic Development FAX 215-765-1427 FAX 412-391-4512 COrporation 1954 Mary Grace Lane HACE Housing OpportunttleS Inc. Johnstown, PA 15901 167 Allegheny Avenue 2rd Floor 133 seventh Street 814-535-6555 Dr 814-539-1588 Philadelphia, PAI9140 P.O. so. 9 215-426-8025 MCl<eesport, PA 15134 CCCS of Western pennsylvania Inc. FAX 215-425-9122 412-554-1905 217 E Plank Road FAX 412-664-<l873 AItDona, PA 16502 Community Development Corp. of Frankford 814-944-8100 4620 GriSCOm 5treet CCCS of Western PA FAX 814-944-5747 Philadelphia, PA t9124 1138 N Main St. Extension 215-744-29'.10 Butler, PA 16001 BIUDF()JU) COUNTY FAX 215.744-2012 n4-282-7812 cees of Nortbeastern PenDsylvaDla Northwest Counseling Service Moo-Valley Unemployed committee 500 I North Broad 5treet 120 E. 'i" Avenue 1400 Abington Executive P~rk Suite 1 Philodelphia, PA 19141 Homestead, PA 15120 Oarks Summitt, PA 18411 215 324.7500 412-462-9962 570-587-9163 or 1-800-922-9537 FAX 215-324-8753 FAX 412-462-9964 FAX 570-587-9134/9135 CCCS of Delaware Valley Housing Opportunities Inc. 208 W. Hamilton Avenue SUite 1 1515 MarI<et Street - SUite 1325 650 Corporato 51. Suite 207 Hamilton Square Plaza Philad"""ia, PAI9107 McKeesport, PA15132 state College, PA 16801 2t5-563-5665 412-664-1590 814-238-3568 FAX 215-854-2566 FAX 4t2-664-0873 FAX 814-238-3569 Gemlantown settlement CAMJJII/A COUNTY 31 W Mal1<el Street 218 W. O1e1ton Avenue Wilkes-Barre, PA 18702 Philadelphia, PA19144 Bedford-Fultoo Hooslng Services 570-821-0837 or 800-922-9537 215-849-6026 RD# 1 so. 384 FAX 570-821-1785 FAX 215-849-3446 Everett, PA15537 814-523-9129 9 South 7'" 5treel 8udes Coonty Housing Group Inc. FAX 814-623-7187 5troudsburg, PA18350 140 East Rldlardson Averue 570-420-8980 or 800-922-9537 Langhorne, PA 19047 Indiana County Community Action Program FAX 570-420-8981 215-750-4310 827 Wall:r Street. Box 187 FAX 215-750-4318 Indiana, PA 15701 n. Trtid CW/!P'.,~rt~"f 1',4 412-465.2657 CCCS of Delaware Valley FAX 412-465-5118 10 Public Avenue Trevose Cor]lorall: Cent..- Montrose, PA 18801 4606 Street Road CCCS ofWestem Pennsylvania Inc. 570-278-3338 or 800-982-4045 Trevose, PA 19047 217 E Plank Rood FAX 570-278-1889 215-563-5565 Altoona, PA 16502 614-944-8100 33 Walnul 5treet CCCS of Lehigh Valley FAX 814-944-5747 Wellsboro, PA 15901 3571 crescent Court East 570-724-5252 Whitehall, PA 18052 Keys1l)Ile Economic Deveklpment CorporaUon FAX 570-724-5783 510-821-4011 or 800-220-2733 1954 Mary Grace Lane 185 Elmira Street FAX 510-821-3932 Johnstown, PA 15901 814-535-5556 P.O. Bo.218 Amerlr.aa Credit CounsellDg: Institute 814-539-1688 Troy, PA 15947 570-297-2101 845 Coates 5treet Tableland 5elvlces Inc. Coatesvill., PA 19320 535 East Main Street 103 Warren Street P.O_ !lolc 709 Somerset. PA 15501 Tunkhannock, PA 18657 888-2t2-6741 814445-9628 or 181llH52-Q14S 570-836-6840 144 E Dekalb Pike FAX 814-443-3590 FAX 570-836-6332 KIng of prussia, PA 19406 510-971-2210 CCCS of Western PA Gennan Street P.O. Box 389 FAX 610-165-4814 219-.&. CoIege Pari< Plaza Dushare, PA 18514 Johnstown, PA 15904 570-928-9568 755 Yor1c Rd. SUle 103 814-539.6335 FAX 570-928-8144 Warmlr&er, PA 18974 931 Main Street 215-444-9429 Honesclale, PA 18431 FiIJ( 215-956-5344 570-253-8941 FAX 570-253-4817 CAMUONCOf.JNn Williamsport, PA 17703 Philadelphia, PA 19103 570-326-0587 215-567-781>3 Northem Tier Community Actfon Corp. FAX 717-322-2197 FAX 215-963-9941 P.O. Box 369 Budget CocnseIing Center 135 West 4'" Street CCC5 of Northeastern PA Emporlum, PA 15834 208 W Hamilton Avenue Suite l 247 North Fifth Street 814-486-1161 Hamilton Square Plaza Reading, PA 19601 FAX 814-486-0825 State o>nege, PA 16801 610.375.7866 814-238.3668 FAX 215-375-7830 CCCS of Western Pennsylvania Inc. FAX 814-238-3659 CCCS of Del.w.... Vaney 217 E PI.nk Ro.d Altoona, PA 16602 CHJf.StER COlhrtr Marshall B<iilding 81+944-8100 790 E Market St. Suite 215 FAX 814-944.5747 Acorn Housing COrporatlon West Chester, PA 19382 846 North Broad Street 215-563-5665 CfR6ONCOUHTr PhiladelpHa, PA 19130 215-765-1221 American Credit Coubselip& Institute EOC of 5<:huyIkiJ1 County FAX 215-765-1427 225 N Centre Street 845 COates Street Pottsville, PA 17901 Community Development O>'ll. of Frankfor<l Coo_e, PA 19320 570-622-1995 Group Ministry 888-212-6741 FAX 717-622-0429 4620 Griscom street Philadelphia, PA 19124 144 E Dekalb Pike co::s of Lehigh Vallev 215-744-2990 King or Prussia, PA 19406 3671 Crescent O>urt East FAX 2l5-74+2012 610.971-22tO Whitehall, PA 18052 FAX 610-265-4814 6tO-821-1011 or 800-220.2733 Gennantown Settlement 717 & 814 only for 800# 218 W. Chelton Avenue 755 York Rd. Sulte 103 FAX 610-821.0137 PMadelphia, PA 19144 Wannlnster, PA 18974 215-849-6026 2t5-444-9ol29 CCCS of NortfJeastern PennsyJ"a>>la fAX 215-849-3440 Fax 215-956-li344 1400 A~ngton ExeaJll"" Pall< SUite 1 Media Fellowship House CUR/Of(COCHm' Darks SUmmitt, PA 18411 302 S. 3ackson Street 570-587-9163 or 1-800.922-9537 Media, PA 19063 tees of Western Pennsytvania, Inc. fAX 570-587-9134/9135 610-565-0846 YMCA Buildin9 339 North Washington Street CQmmi.sion on Economics CcmmunJty Housing O>unselor, Inc. Butler, PA 16001 Opportunity of Luzeme County P.O. Box 244 412-282-7812 Kenneth Square, PA 19348 163 Amber lane 610-44+3662 CI.E..UF!ELDCOIJNTJ' Wllkes-Ilarre, PA 16702 FAX 610-44+8243 570-826-0510 or 1-800-822-0359 Keystone Economic Development Olrporatioo FAX 570-829-1665 -Ca! beftre faxing Northwe;t Counseling ServIces 1954 Mary Grace lane 717-455-4994 Haze~on 5001 /I emad street Johnstown, PA 15901 Fax 717.455-5631 - Call before faxing Philadelphia, PA 19141 814.535-6556 717-1136-409ll Tunkhannock 215-324--7500 814-539-1688 31 W M<n;eI Street FAX 215-32+8753 CCCS of Western Pennsylvania Inc. Wllkes-Ilarre, PA 18702 CCCS Delaware Vallev 217 E Plank Road 570-821-0837 or 8D0-922-9537 1515 Hart<et Street. SUite 1325 A11xlQna, PA 16602 FAX 570-821-1785 Philadelphia, PA 19107 614.944-6100 215-563-5665 FAX 811-94+5747 208 W Hamilton Avenue Suite 1 FAX 215-563-7020 HamUton Square Plaza Indiana COUnty Community ActIon Program SlllIe College, PA 16801 Tabor Com"....,lty Services [nc. 827 Water Street. Box 187 814--238-3668 439 E King street lro:llana, PA 15701 fAX 81+238.3669 lancaster, PA 17602 412-465-2657 717-397-5182 or l-800071l8-S062 (H.O. only) FAX 412-465-5116 9 South :I'" Street FAX 717-399-4127 5trou<lsburg, PA 18360 CCCS of _stem PA 570-420-8980 or 800-922-9537 America Red Cross of Chester 208 W Hamilton Avenue Suite 1 FAX 570-420-8961 1729 Edgemont A...,ue Hamilton Square Plaza Olester, PA 19013 5tille College, PA 16801 CEN71lE cowry 61Cl-87+1484 81+238-3668 CCCS of Westem PennsylvanJa Inc. FAX 614--238-3669 217 E Plank Road HACE 167 A1leghony Avenue 2'" Floor cces of Western PA AItoona, PA 16602 219-A College Park Plaza 81+914-8100 PhIladelphia, PA 19110 Johnstown, PA 15904 FAX 814-94+5747 215-42&8025 FAX 215-426-9122 814--539-6335 Lycoming-Ointon Co COOlm for Community Phlla COuncil For community Aa,. Acllon (5TE>) 2138 Lincoln 5treet P,O. 80x 1328 J 00 North 1:1'" 5lreet SLIte 600 r:LTN1ON COUI'TY Adams County Housilg Authority ACO 139-143 Carlisle Street 175 S1r.iford Avenue. 5<J1te 1 Lycoming-Ointon Co Comm for Community ~uro.PAI7325 I Wa'lne fA 19087 Action (STEP) 717-334-1518 510-971-2210 2138 Lincoln Street P.O. Box 1328 FAX 717-334-8325 FAX 510-587-7850 Williamsport, PA 17703 CCCS of Western Pennsylvania, lnc. Northwest Counseling Services 570-326-0587 2000 Linglestown Road 5001 N Broad Street FAX 717-322-2197 Harrisburg, PA 17102 Phil_phla, PA 19141 CCCS or Nortl1easlem PA 717-541-1757 215-32+7500 208 W Hamilton Aven.Je SUite 1 FAX 215-321-8753 Hamilton Squ<tre Plaza YWCA of CMi~e HACE State CoII"!je, PA 15801 301 G Street 157 A11"!jheny Avenue 2'" Floor 814-238-355B Carlisle, PA 17013 Philadelphia, PA 19140 FAX 814-238-3559 717-243-3818 FAX 717-731-9589 215-425-8025 COllJMBIA COUNTY FAX 215-425-9122 Community ActIon Comm of the Capital Region Community HOlIslng Counselor, Inc. cees or Northeastern Pennsylvania 1514 Derry Street Harrisburg, PA 17104 P.O. Box 244 Commission on Economics 717-232-9757 Kenneth Square, PA 19348 FAX 717-234-2227 510-444-3582 Opportunity of Luzeme County FAX 510-444-8243 163 Amber Lane Financial Counseling Services of Franklin Wikes~~,PAI8702 31 West 3~ Street CCCS of Delaware Valley 570-826-1)510 or 1-800-822.0359 Waynesboro, PA 1726B 280 North Providence Road FAX 570.829.1555 - Call before faxin9 717.762.3285 Media, PA 19063 717-455-4994 Haze~Dn 215-563-5665 Fax 717.455'5531- call before faxing DA t!PHIN COlJNTY COmmunity Development Corp. of Frankford 717.B36-4090 Tunkhannock CCCS cI Western Pennsylvania, Inc. Group Ministry 1400 Abi n9ton Executive Park SUite 1 2000 UnglestllWl1 Road 4620 GrIsalm Street Oarks SUmmitt, PA lB411 Harrisburg, PA 17102 Philadelphia, PA 19124 570-587-9153 or 1.800.922-9537 717'541-1757 215-744-2990 FAX 570-587-9134/9135 FAX 215.744.2012 Urban League of Metropolitan Harrisburg 31 W Market Street N 5~ Street PCCA Wilkes.Barre, PA lB702 Harrisbl.rg, PA 17101 100 North 17~ Street Suite GOO 570-821.0837 Dr 800-922-9537 717.23+5925 Philadelphia, PA 19103 FAX 570.821-1785 FAX 717.234.9459 215-567-963-9941 FAX 215-963-9941 CRAWFORDCOUNTr community ActIon Comm of the Capital R"!jlon Media FellDWshlp House 6001<... T WashingtOn Center 1514 Derry 5lreet 302 S Jad<son Slreel HarrisbJrg, PA 17104 Media, PA 19053 1720 Holland Street 717.232.9757 510.565-0845 Erie, PA 16503 F1X. 717.23+2227 814-453.5744 M:O DEUIVARi'COUNT'l 144 E Dekalb Pike Shenango Valley Urban League, Inc. KIng of Pn.issIa, PA 19406 601111(llana Avenue Acorn HOUSIng COrjJoratlon 610.971.2210 Farrell, PA 16121 846 North Sroad Street 412.981.5310 Philadelphia, PA 19130 ElXcowrr 215.765-1221 Greater Erie Community ActIon FAX 215.765.1427 John F Kennedy Center, Inc. Con1frOttee 2021 East 2r1" Slreet IB West 9'" Street CCCS Delaware Valley Erie, PA 16510 Erie, PA 15501 ISIS Marla!t Street. SIllte 1325 814-898.0400 814-459-4581 PhIladelphla, PA 19107 FAX 814.89& 1243 FAX 814-456-0161 215,563.5665 FAX 215-864.2566 Northern TIer Community ActIon Corp lOOn F Kennedy center Inc. P.O. Box 389 2021 East 2r1" Street Germantown SeWemen! 135 West 4~ Street Erie, PA 16510 218 W. O1elton A_ue Empo~um, PA 15834 814-ll93.04QO Philadelphia, PA 19144 B14-486-1I61 FAX 814-898.1243 215-849.5026 FAX 814-4&KJ62$ FAX 215.849.3446 CUMBERLAND COUNTY BJUCCOUNTl' Urban League of Metropolitan Hanisburg America Red Qoss of Chester 1729 Edgemonl Avenue Booker T Washington Center N 6'" streel CI1esler, PA 19013 1720 Halland Street Harrisburg, PA 17101 510-87+14B4 Erie, PA 16503 717.234.5925 814-453.5744 FAX 717-23+9459 FAX 814-453.5749 Greater Eric Comm Action Comm 18 West 9'" Slreet Eric, PA 1650t 814-459-4581 FAX B14-455.0151 Community Action CommisSion of capital Region 1514 Derry SRet Harrisburg, PA 17104 717'232-9757 FAX 717.23+2227 Mon.Valley Unemployed com_ 120 E. 9'" Avenue Horn_ad, PA 15120 41H62.9952 F1X. 412-452.9954 John F Kennedy Center, Inc. YWCA of Cartis!. CCCS of Western PennsyfvBinla, Inc. 2021 East 20th Street 301 G Street 1 North Gate Square Erie, PA 1&510 Cartisle, PA 17013 GreensbtJrg, PA 15601 814-898-0400 717-243-3818 724-838-1290 FAX 814-898-1243 FAX 717-243-3948 HU,,"'NGDONCOUloTY FA. YETTC COt'....7Y American Red O'oss.HanQver Olapter S29 Gartisle Street Bedford-Fulton Houslng Services AClion Housing, Inc. t-Ianoyer, PA 17331 RD.# 1, Box 384 425 6~ Avenue Suite 950 717-637.3768 Everett, PA 15537 Pittsburgh, PA 16210 FAX 717-637.3294 814-623-9129 412-391-1956 Of 412-281-2102 FAX 814-623-7187 FAX 412-391'4512 Urban league of Metropolitan Hgb. 2107 N 6~ Street cces of Western Penns-,1\1ilrd.lnc, Men-Valley Unemployed Committee Harrisburg, PA 17101 217 E Plank Road 120 E. 9th Avenue 717-234-S925 A1toona, PA 16602 Homestead, PA 15120 FAX 717-234-9459 8t4-944-8100 412-462-9962 FAX 81+941-5747 cces of Weslem PA Tableland Services tnc. 2000 Ungles10wn Road weatherization OffIce 535 East Main street Harrisburg, PA 17102 917 Mifflin 5treet Somerset, PA 15501 717-541-1757 Huntingdon, PA 166S2 814 445-9628 or 1800-452-0148 FAX 717-731-9589 81+643-2343 FAX 8t++13-369O Adams COunty Housing Authority (NOlANA COtJHTr Community ActIon Southwest 139-143 Cartls!e Street 22 West High 5treet Gettysbl.og, PA 17325 CCCS of Western Pennsylvania, Inc. Waynesburg, PA 15370 717-334-1518 1 North Gate Square n+852-2893 FAX 717-334-8326 GreensbtJrg, PA t5601 724-8J8..1290 Fayette Co. Community ActIon /'I;ler<:i, loc. FfJLTON COVNrY 140 North Beeson Avenue Bedford-Fulton Housing SeIvi<:es Keystone Economic Development Corporation Unlontown, PA 15401 1954 Mary Grace Lane 724.437.4418 RD.# I, Box 384 .lDt1nstown, PA 15901 EVerett, PA 15537 81+535-6556 CCCS Of Western PA 814-623-9129 81+539.1688 199 Edison Street FAX 814-623-7187 Unlontown, PA 15401 CCCS ofWestem Penn~ia Inc. Indiana County Community Action Program 124-439-8939 827 Water Street. Box 187 912 South George Street lndana, PA 15701 CCCS of Western Pennsylvania, Inc. Vorl<, PA 17'103 412-465-2657 1 North Gate Square 717-846-4176 FAX 412-465-5118 Greensburg, PA t5601 Anandal COUnseling 5eNices Of Franklin cces of W-.n PA 724-838-1290 31 West 3~ Street 219-A College Park Plaza FOREST COUNTY W.ynesboro, PA 17268 Johnstown, PA 15904 717-762-3285 81+539-6335 Wi'!nen-Forrest Coul'ltles Economic Opportunity Coundl Weatherization OffICe JEFFER.$OtlCOUNTY 204 Uberty Street 917 MUllin Street P.O. Box 547 Huntingdon, PA 16652 John F Kennedy Center, Inc. W.""n, PA 16365 81+643-2343 2021 East 2rJh Street 814-726-2400 ErIe, PA 16510 FAX 814-723-0510 G1J!ENE. COUNTY 81+89&-0400 FRANKUN COVfl1'Y Action Hou~ng In<:. FAX 814-898-1243 425 6" Avenue 5~te 950 CCCS of w-.n Pennsytvanla, Inc. Financial 5ervlces Unlimited PillsIlurgh, PA 15219 31 West 3~ 5treet 412-391-1956 Dr 412.281-2102 YMCA Building Waynesboro, PA 17268 FAX 412-391-4512 339 North Washlogton Street 717-762.3285 Buller, PA 16001 Community ActIon Southwest 724-282.7812 tees Western PennsylvanIa, Inc. 22 West HiQh Street Indiana County Clmnunity ActIon Program 912 South George Street Waynesburg, PA 15370 Vorl<, PA 17'103 724-852-2893 827 Water 5treet. Box 187 717-846-4176 FAX 412-627-7213 Indiana, PA 15701 412-465.2657 FAX 412-465-5118 JUNJATA COUNTY 724-728-7202 FAX 570-587-9134/9135 CCCS of Western Pennsytvania Inc. FAX 412-728-7202 31 W Market Street 217 E Plank Road UBANOI'COUrtTY P.O. Box 1127 A1toona, PA 16602 Wilkes-Barre, PA 18702 814-944-8100 Economic Opportunity Cabinet of 570.821-0837 a" 1-800-922-9537 FAX 814-944-5747 Schuylkill County FAX 370-821-1785 Weatherization Office 225 North Centre Street MCKLUI' COUNTT 917 Mift'lin Street Pottsville, PA 17901 Huntingclon, PA 16652 717-622-1!l'l5 John F Kennedy Cenlcr, Inc. 814-643-2343 FAX 717-622-0429 2021 East 20th Street LACMWAN8A COur..7T Tabor COmmunity ServCes, Inc. Ene, PA 16510 439 E J</ng Street 814-898-0400 31 W Mar'<et Street Lancaster, PA 17602 FAX 814-898-1243 P.O. Box 1127 717-6397-5182 or 1-80o.781l-S062 WIlkes-Barre, PA 18702 FAX 717-399-4127 Northern TIer Community Action Corp 570-821-0837 or 1-800'922-9537 P.O. Box 389 FAX 370-82t-I7S5 LEHIGH CO<JNT7' 135 West 4~ Street emporium, PA 15834 1400 Ablngton Executive Pari< 5<J11e 1 CCCS of Lehigh Valley 814-486-1161 Clar1<s Sumrr;tt, PA 18411 3671 Crescent COUrt East FAX 814-486-0825 570-587'9163 or 800-955-9537 WhItehall, PA 18052 FAX 570-587-9134/9135 610-821-4011 Dr 800-220-2733 MERCElt COUNTY 717 &. 814 ooly 5t1enango Valley Urban league, Inc. LANCASTU. COUNTY FAX 610-821-8932 601 Indiana Avenue Community Housing Counselors Economic Opportunity Cabinet of Farrell, PA 16121 Incorporated Schuylkill County 724-981-5310 PO Box 244 225 North CetJtre street CCCS of western Pennsytvania, Inc. l(enneth Square, PA 19348 Pottsville, PA 17901 YMCA Building 215-+14-3682 717-622-1995 339 North Washington 5treet FAX 215-+14-3178 FAX 717-622-0429 Butler, PA 16001 724-282-7812 CCCS of Western Pennsylvania, Inc. /.flUME COV!n7 912 South George Street MIFPUNG COUNTT Yorl<, PA 17403 31 W Marl<et Street 717-846-4176 P.O. Box 1127 CCCS of WEStern Pennsylvanla lnc. Wilkes-Barre, PA 18702 217 E Plank Road CCCS of lehigh V<idl!!( 570-821-()837 or 1-800-922-9537 Altoona, PA 16602 367t Crescent Court East FAX 370-821-17B5 814-94+11100 Whitehall, PA IB052 FAX BI4-944-5747 215-B2t-4011 or 1-800-220-2733 Comm. On Eo," Opportunity of luzerne County 717 &. 814 OnIV 163 Amber County Weatl1erlzallon Office FAX 215-B21-B932 W1lk~rre, PA 18702 917 Mllfln Sb'eet 57D-82&-ll510 or 1-800-822-0359 Huntlngdon. PA 16652 labor CommunIty Services, Inc. FAX 57l1-829-1665 call be!ore faxing 814-643-2343 439 E King Street 717-455-4994 Hazelton lancaster, PA 17602 FAX 717-455-5631 CaD before faxing CCCS of NDrtheaslem PI'. 717-397-5182 or I-BDO-7S8-5062 717-836-4090 Tunkhannod<. 208 W Hamilton Ave. 5<llte 1 FAX 717-399-4127 Hamilton Square Plaza 1400 AllIn9ton Executive Park Suite 1 State College, PA 16801 UWItENE COUNTY Clarks 5<Jmmltt, PA 18411 814'238-3668 570-587-9163 or B00-955-9537 FAX 8t4-238-366'J CCCS of West em Pennsylvania FAX 570-587-9134/9135 MON1tOli COUNrI l' Federal Plaza Suite 406 EOC of Schuylkill COUnty Nath MIII5treet 225 Nath Centre Street CCCS o( Nortbeastern Peousylvaaia New Castle, PI'. 16101 PottsviUe, PI'. 17901 724-652-8074 371}.622-1995 31 W Marl<et 5treet FAX 570-622-0429 P.O. Box 1127 Shenango Valley Urban League, Inc. Wilkes-Barre, PA 18702 601 Indiana Avenue LYCOM1NG COUNTY 57D-821~7 or 1-800-922-9537 Farrell, PA 15121 FAX 37D-821-178S 724-981-5310 Lycomlng-Cllntcn Co Comm fa" Community Adloo (STEP) Comm. On Econ Opportunity of wzerne Co. 312 Chestnut Street, 5<J1b! 227 2138 U_n Street P.O. Box 132B 163 Amber COUnty Meadville, PA 16335 Wlllamsport, PA 17703 WIlkes-Barre, PA 18702 814-333-8570 570-32&-05B7 570-826-0510 or 1-800-822~359 FAX 717.322-2197 FAX 570-829-1665 Can before faxing Housing Opportunltles of Beaver county 1400 Abington Exewtiv<! Park 5ulle 1 717-455-4994 Hazelton 650 Corporate St. 5<Jlte 207 FAX 717-455-5631 Call before faxing Beaver, PA 15009 aar1<s Summitt, PA 18411 717-636-4090 Tunkhannock 570-587-9163 or B00-955-9537 1400 Ablngton ExeaJtive Pari< 5<Jite 1 C1ar1<s 5<Jmmi PA 18411 144 E Dek.alb Pike KI of Prussia PA 19406 Philadelphia, PA 19180 215-765-1221 570-587-9t63 or 1-800-922-9537 610-971-2210 FAX 215-765-1427 FAX 570-587-9134/9135 FAX 61<1-265-4814 CCCS of Delaware Valley 9 SouItJ 7'" Street 755 Yorl< Rd_ 5uite 103 1515 Market Street - 5l.ile 1325 5troudsbu-g, PA 18360 warminsler, PA 18974 Philadelphia, PA 19107 570-420-8980 or 80(}-922-9537 215-444-9429 215-563-5665 FAX 57lK2lHl981 Fax 215-956-6344 FAX 215-864-2666 M(>>I1GOME.RY COUNTY Uo.vroCiR cOO.orrr HACE 31 W M.rket5treet 167 Allegheny Avenue 2!"<l Floor Acorn Housing Corporation Philadelphia, PA 19140 Il46 North Broad Street P.O. Ilo>< 1127 215-426-8025 Philadelphia, PA 19180 Wilkes-Barre, PA 18702 FAX 215-42&-9122 215-765-1221 570-821-0837 or 1-80(}-922-9537 FAX 215-765-1427 FAX 370-821-1785 Germantown Settlement 218 W. Olelton Avenue PhiJa Council For Communl~ Adv. 1400 Abington Executive Parl< 5ulte 1 Philadelphia, PA 191'14 100 North 17~ 5treet, SUIte 600 Clarks 5ummitt, PA 18411 215-849-6026 Philadelphia, PA 19103 57<1-587-9163 or 1-800-922-9537 FAX 215-849-3'146 215-567-7803 FAX 570-587-9134/9135 FAX 215-963-9941 Northwest COunseling service Economic Opportunity Cabinet of 5001 North Broad Street Media Fellowship House Schuyl\cilt County Philadelphia, PA 19141 3IJ2 S Jackson 5treet 215 324-7500 M~a, PA 19063 225 NorIl1 Centre 5treet FAX 215-324-8753 610-565-0846 Pottsville, PA 17901 717-622-1995 CCCS of Delaware Valley Northwest Counseling Servit:e FAX 717-622-0429 One Cheny Hill SUite 215 5001 North Broad 5treet P'ER.I1YCOUNT1 Olerry Hill, Nl 08002 Philadelphia, PA 19141 215-563-5665 215324-7500 cees of Westem PA FAX 215.32+8753 2000 Unglestown Road Housing Association or Delaware Valley Harrisburg, PA 17102 1500 Walnut5treel, SUite 601 Germantown settlement 717-541-1757 Philadelphia, PA 19102 218 W. Olelton Avenue FAX 717-731-9589 215-545-6010 Philadelphia, PA 191'14 FAX 215-79(}-9132 215-849-6026 Urban League of Metropolitan HalTislug Media FeI~wship Hoose FAX 215-849-3446 2107 N 6~ Slreel 302 5 Jad<son 5treet Harrislug, PA 17101 Media, PA 19063 CADCOM 717-234-5925 610-565-08% 701 Dekaib 5treet FAX 717-234-9459 NorrislaM'l, PA 19401 Community Development Corp. of Frankforo 610-277-6363 financial COUnseling services of franklin Group Ministry. FAX 610-277-2123 31 West 3'" 5treet 4620 Griscom Street CCCS of Delaware Valley YVayn~,PA17268 Philadelphia, PA 19124 717-762-3285 215-744-2990 1515 Market 5treel- Suite 1325 FAX 9215 744-2012 ""Iadelphla, PA 19107 YWrA of Carlisle 215-563-5665 301 G streeI PCrA 100 North 17'" Street, 5ulte 600 FAX 215-864-2666 Carlisle. PA 17013 Phil.deIphi', PA 19103 717-243-3818 215-978-0224 Conununity Housing Counselors FAX 717-243-3948 FAX 215-765-7614 Incorporated Weatherization Office American Credit CounsellDglnstltate PO Ilo>< 244 Kenneth Square, PA 19348 917 Mlmin Street 215-444-3682 Huntingdon, PA 16652 845 Coates street FAX 215-444-8243 814-643-2343 CoalesvIIIe, PA 19320 888-212-6741 COCS of Delaware Valley Commur>ty ActIon Commission of the Capital Norristown BusIness Center Region 1'14 E Dekalb Pike 190 W Gennantown Pike, 5uite 140 1514 Deny street King of Prussia, PA 19406 NolTistown, PA 19401 Ham'burg, PA 17104 610-971-2210 215-563-5665 717-232-9757 FAX 610-265-4814 FAX 717-234-2227 America. Credit CODDle-liDI: Institute 755 Yorl< Rd. SUI!>! 103 PHlUDEU'HU COUNTY Warmlnsler, PA 18974 845 Coates Street 215-44+9429 Coalesvllle, PA 19320 Acorn Housing Corporation Fax 215-95H3'14 888-212-6741 846 North Broad Street PlKE.COU,'ffY 717-232-9757 $USQ(J.f;HA,v"", COCJNrY FAX 717-23'-2227 31 W Marl<el Street 1400 Abington Exewtive Park Suite 1 P.O. Box 1127 SOMl:P.SETCOUNTl' Oarles Summitt, PA 18411 W,keS-Barre, PA 18702 570-587-9163 or 1-800-922-9537 570-82\-0837 or l-S00-922-9537 Bedford-Fulton Housln9 Selvices FAX 570-587-913.'9135 FAX 370-821-1785 RD.# 1, Box 31M Bieretl, PA 15537 31 W Market 5treet 1400 Abington ExeC1Jtive Pari< Suite 1 814-623-9129 WilkeS-Barre, PA lB702 Qarl<s Summitt, PA llMll FAX 814-623-7187 570-821-0837 Dr 800-922-9537 570-587-9163 Dr 1-800-922-9537 FAX 570-B21-1785 FAX 570-587-9134/9135 CCCS of Western PennsylvanIa, Inc. 1 North Gate Square The trehab Center of Northcastern fA 9 South 7" Street #2 Garden Center Drive Stroudsburg, PA 1B360 GreenstJUrg, PA 15601 185 Elmira Street PO Box 218 570-420-8980 or 800-922-9537 Troy, PA 16947 FAX 570-420-8981 Bedford-Fulton Housing Servlces 570-297-2101 1954 Mary Grace lane FAX 570-297-2799 POTER COUNTY Johnstown, PA 15901 FAX B14-539-16B8 17 Gratton Street Northern Tier Community Action Wellsboro, PA 16901 Corporation CCCS of __ PeMSylvanla, 570-724-5252 135 West 4" Street 219-A Colege pari< Plaza FAX 570-724-5783 Emporium, PA 15834 Johnstown, PA 15904 814-486-1161 814-539-6335 Gennan 5treet PO SOX 389 Dusl"<n, PA 18614 SCHUUL&1U. COUNTY Tableland Serv{ces Inc:. FAX 570-297-Z799 535 East Main Street 570-928-9668 Budget Counseling Center _set, PA 15501 FAX 570-28-8141 247 North Fifth Street 814-445-96281-800-452-0148 ReadIng, PA 19601 FAX 814-443-3690 7 lake Avenue Box 339 610-375-7866 Montrose, PA 18801 FAX 215-375.7830 1400 Abing10n Executi'le Pari< Suite 1 570-278-3338 or 1-800-982-4045 aarl<s Summitt, PA 1IMll FAX 570-2711-1889 Comm. On Econ OpportUnity of wzeme 570-587-9163 or 1-800-922-9537 County FAX 570-587-9134/9135 931 MaIn 5treel 163 Amber County Honesdale, PA 18431 Wlkes-llarre, PA 18702 31 W Marl<et Street: 570-253-8941 570-826-<1510 or 1-800-822-0359 Wilkes-Barre, PA 18702 FAX 570-253-4817 FAX 570-829-1665 Call before faxing 570-821-0837 or 800-922-9537 717-455-4994 Hazelton FAX 570-821-1785 103 Wam!fl Street PO _709 FAX 717-455-5631 Call before faXing Tllni<hannock, PA 18657 717-836-4090 Tunlchannock The (rehab Center of Northeastern PA 570-836-6840 FAX 570-836-6332 EOC of Schuylkill County t85 Elmira 5treet. PO Box 218 225 North Centre Street Troy, PA 16947 TTOGACtXlN71' Pottsville, PA 17901 570-297-2101 370-622-1995 FAX 57D-297-2799 1400 Ablngton Exec:\JllVe Part< Suite 1 FAX 570-622-0429 a.rf<s Summitt, PA llHll 17 craflon 5treet 570-587-9163 or 1-800-922-9517 CCCS of Lehigh Valley Wellsboro, PA 16901 FAX 570-587-9134/9135 PO Box A 570-724-5252 Whitehall, PA t8052 FAX 570-72+5783 31 W MarI<et street 610-821-4011 Wilkes-Barre, PA 18702 FAX 610-821-8932 Gennan 5lreet PO _ 389 570-821-0837 or 800-922-9517 Dushore, PA 18614 FAX 570-821-1785 ...... COUN1T FAX 570-297-2799 570-928-9668 The trehab Center of Northeastern fA CCCS of Western PA FAX 570-28-8144 2000 UngIesIDwn Road 185 Elmira Street. PO _ 21B Harrisburg, PA 17102 7 lake Avenue SOX 339 Troy, PA 16947 717-541-1757 Montrose, PA 18801 570-297-2101 FAX 717-731-9589 570-278.1338 or 1-800-982-4045 FAX 570-297-2799 FAX 570-278-1889 Urban League or Metropolitan Harrisburg 17 Cralton Street: 2107 N 6" 5treet 931 Main Street Wellsboro, PA 16901 Harrisburg, PA 17101 Honesdale, PA 18431 570-724-5252 717-234-5925 570-253-8941 FAX 570-724-5783 FAX 717-234-9459 FAX 570-253-4817 Geman 5treet PO Box 589 Community ActIon COmmission or the 103 Warren street PO Box 709 Dushore, PA t8614 Capital Region Tunkhanrxx:lc, PA 18657 FAX 570-297-2799 1514 Deny Street 570-83!>-681D 570-928-9668 Han1sbur9, PA 17104 FAX 570-83&-6332 FAX 570-28-8144 7 lake Avenue SOX 319 Montrose PA 18801 HOUSing OpportJJnitles, Inc. 133 5everJ1l1 Street FAX 412-391-4512 . 570-278-3338 or 1-800-982-4045 McKeesport, PA 15132 Houstng Opportunities, [nc. F/JX 570-278-1889 412-664-1590 133 Se>ienth Street FAX 412-664-0873 McKeesport, PA 15132 931 Main Street 412-66+1590 Honesdale, PA L8431 CCCS or Western Pennsylvania, Inc. FAX 412-66+0873 570-253-8941 53 N COllege Street FAA 570-253-4817 Washington, PA 15301 Community Action Southwest 72+222-8292 22 West High 5_1 103 Warren Street PO Box 709 Waynesburg, PA 15370 Tunl<hannock, PA 18657 Man-Valley unemp/D\'e<l committee 724-852-2893 570-836-6840 120 E gtlt Avenue FAA 570-836-6332 Homestead, PA 15120 ca:s of Western Pennsylvania, Inc. 412-462-9962 199 Ecison Street UNIOIi COlM"1 f/JX 412-462-9962 UniD/llDWn, PA 15401 724-439-8939 Lycoming-Clinton Co Corron for WArNE COiJ/!/TY Corron Action (STEP) 1400 Abington Executive Park Suite 1 Indiana County Coml1'1.Jnlty Action Program 213811nron Street PO Box 1328 827 Water Street Box 187 Williamsport, PA 17703 aarl<s Sunmltt, PA 18411 Indiana, PA 15701 570-326-0587 570-587-9163 or 1-800-922-9537 412-465-2657 FAA 717-322-2197 FAA 570-587-9134/9135 f/JX 412-465-5118 CCC5 of Western Pennsylvania Inc. 31 W Market Street Keystone Ecnnomic Development Corporation Wllke.-Ilam!, PA 18702 217 E Plank Road 570-82l-()837 or 800-922-9537 1954 Mary Grace lane Moona, PA 16602 FAA 570-821-l785 lo1lnstown, PA 15901 814-944-8100 81+535-6556 FAX 81+944-8100 9 SOuth ..,.. 5treet 814-539-1688 VENANGO COUNTY 5troudsburg, PA 18360 W'YOMlNG COUNTY 570-420-8980 or 800-922-9537 Greater EriC Comm Action Comm fAA 570-420-8981 Camm Emn Opport of Luzeme CD 18 West 9'" Street 163 Amber lane Eric, PA 16501 Tbelrebab Center or Nortbeast.rn P A Wilkes-Barre, PA 18701 814-459-4581 570-826-1J510 or 1-800-822-0359 FAA 814-456-016t 185 Elmira Street_ PO Box 218 FAA 570-829-1665 Troy, PA 16947 John F Kennedy Center, Inc_ 570-297-2101 CCCS of Northeastern PeDnsylvanla 2021 East 2fi" Street FAX 570-297-2799 Ene, PA 16510 1400 Abington El<ecutive ParI< Sulle 1 814-898-0400 17 Crafton Street Qarks SUmmitt, PA 18411 FAA 814-898-1243 WelJsboro, PA 16901 570-587-9163 or 1-800-922-9537 570.724-5252 FAA 570-587-9134/9135 CCCS of Westem Pennsylvania, Inc. FAA 570-724-5783 31 W Market Street YMCA Building Gennan 5treel PO Box 389 Wilkes-Barre, PA 18702 339 North Washington Street Dushore, PA 18614 570-821-0837 or 800-922,9>37 Buller, PA 16001 FAA 570-297-2799 FAA 570-821-1785 72+282-7812 570-928-9668 WASH1GTON COliNTY FAA 570-28-814<1 Tbetrebab C...ter 01 Northeastern P A Action HOUSing Inc. 7 lake Avenue Box 339 185 Elmira Street. PO Box 2L8 425 f!' Avenue 5uite 950 Montrose, PA 18801 Troy, PA 16947 PIttsburgh, M 15219 570-278-3338 or 1-800-982-4045 570-297-2101 412-391-1956 or 412-28t-2102 FAA 570-278-1889 FAX 570-297-2799 FAX 412-391-4512 93L Main 5treet 17 erarton Street CCC5 of W.-n Pennsylvania, INC. Honesdale, PA 18431 Wel~boro, PA 16901 1 North Gate Square 570-253-8941 570-72+5252 GreenstxJrg, PA 15601 fAA 570-253-4817 FAA 570-72+5783 704-838-1290 103 warren Street PO SOX 709 Goonan Street PO Box 389 Credit COunselors of PA Tunkhannock, PA 18657 Dushore, PA 18614 401 Wood St. 5ulle 906 570-836-6840 FAA 570-297-2799 PIttsburgh, PA 15222 FAA 570-836-6332 570-928-9668 412-338-9963 WESTMORELAND COIJN11 FAA 570-28-8144 FAX 412-338-9963 ActIon Housing Inc. 7 lake Avenue Box 339 Community Action Southwest 425 61h Avenue Suite 950 Monb'o5e, PA 18801 22 West High Street PIttsburgh, PA 15219 570-278'3338 or HOO-982-4045 Waynesburg, PA 15370 fAA 570.278-1889 724-852-2893 412-391-1956 or 412-281-2102 931 MaIn street Honesdale, PA 18431 570-253-8941 fAX 570-253-'1817 . 103 Warren Street PO Box 709 Tunkhannock, PA 18657 570-836-6840 FAX 570-836-6332 n:>JtKCOW-rrY American Red Cross-Hanover Chapter 529 Carlisle Street Hanover, PennsylvcHlia 17331 717-637-3768 FAX 717-637-3294 MBm5Coon~H~ingA~ 139-143 Carlisle Street Gettysburg, PA 17325 717-334-1518 FAX 717-334-8326 Housing Coundl oc York 116 North GCOIge 5treet YorI<, pA 17401 717-854-1541 FAX 717-845-7934 CCCS of Western Pennsylvania 2000 Unglestown Road Ham.burg, PA 17102 717-541-1757 CCCS of Western Pennsylvania 912 SOuth George Street Yori<, PA 17403 717-846-4176 VERIFICATION The undersigned hereby states that the statements made in the foregoing pleading are true and correct to the best of hislher knowledge, information and belief. The undersigned understands that the statements therein are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. f eanelle Gray ~ ;::J (:J lrt \l It 0( '- 90 U< w C> ~~:tJ ~4JF- ~ C) ( /--. , "n c_ .~ f..) -<'. f '..' I(;) -'j',' ) LAW OFFICES OF GREGORY JAVARDIAN By: GREGORY JA V ARDIAN, ESQUIRE IDENTIFICATION NO. 55669 1310 INDUSTRIAL BOULEVARD 1ST FLOOR, SUITE 101 SOUTHAMPTON, PA 18966 (215) 942-9690 KEY BANK, USA, N.A. COURT OF COMMON PLEAS vs. CUMBERLAND COUNTY JAMES H. BUFFINGTON VICKI J. BUFFINGTON No.: 05-384 MOTION FOR ALTERNATIVE SERVICE PURSUANT TO PENNSYLVANIA R.C.P. 430 TO THE HONORABLE JUDGES OF SAID COURT: AND NOW, comes Plaintiff, by its attorney, Gregory Javardian, Esquire and moves this Honorable Court to permit Plaintiff to obtain Alternative Service and seek an Order permitting service to be effectuated upon the Defendant, JAMES H. BUFFINGTON, by posting a copy of the Complaint and all subsequent pleadings upon the property located at 719 SINCLAIR ROAD, MECHANICS BURG, P A 17055, and by regular and certified mail pursuant to Pennsylvania Rule of Civil Procedure 430 and avers SUPPOlt thereof: 1. Plaintiff filed a Civil Action Complaint against Defendant on JANUARY 21, 2005. 2. The Defendants are the owners and mortgagors of the property 719 SINCLAIR ROAD, MECHANICSBURG, PA 17055. 3. Plaintiff, KEY BANK, USA, N.A., is the Mortgagee on said property. 4. Plaintiff has attempted to effectuate service of the Civil Action Complaint pursuant to Pennsylvania Rule of Civil Procedure 430 upon the Defendant, JAMES H. BUFFINGTON at the property known as 719 SINCLAIR ROAD, MECHANICSBURG, PA 17055 and an alternate address of 1129 S. YORK STREET, MECHANICSBURG which was returned "Defendant does not live at either address." 5. A copy of the Sheriff's return of service is attached and made a part hereof and marked as Exhibit "A". 6. Pursuant to Pennsylvania Rule of Civil Procedure 430, Plaintiff has made a good faith effort to locate the Defendant including the following: A. A process server contacted Directory Assistance and examined local internet telephone directories and found no listing for the Defendant in or around the Mechanicsburg area. B. A Postmaster Letter return indicates no change of address order on file. C. A Process server examined local tax records and found the tax bill is mailed to the property. D. A process server examined Voter Registration records and found a listing for the Defendant at the property. E. All addresses given have been attempted for service for the Complaint in Mortgage Foreclosure on Defendant. 7. Pennsylvania Rule of Civil Procedures 430 pennits service of process in Mortgage Foreclosure Actions by regular and certified mail to Defendant's last known address. WHEREFORE, Plaintiff respectfully requests that this Honorable Court enter an Order pennitting service upon said Defendant, JAMES H. BUFFINGTON, by posting a copy of the Civil Action Complaint and all subsequent pleadings on the property known as 719 SINCLAIR ROAD, MECHANICSBURG, PA 17055, and by regular and certified mail, return receipt requested. Law Offices of Gregory Javardian ~ . .' ~C{~ E~~~ ID# 55669 -- - ~- - - - J: 2005-00384 P . .JNTWEALTH OF PENNSYLVANIA JUNTY OF CUMBERLAND KEY BANK USA NA VS BUFFINGTON JAMES H ET AL R. Thomas Kline ,Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT BUFFINGTON JAMES H but was unable to locate Him in his bailiwick. He therefore returns the COMPLAINT - MORT FORE , NOT FOUND , as to the within named DEFENDANT , BUFFINGTON JAMES H 719 SINCLAIR ROAD MECHANICSBURG, PA 17055 SERVICE WAS ATTEMPTED AT BOTH 719 SINCLAIR ROAD AND 1129 S YORK STREET. DEFENDANT DOES NOT LIVE AT EITHER ADDRESS. Sheriff's Costs: Docketing Service Not Found Surcharge 18.00 8.14 5.00 10.00 .00 41.14 So answers: _....~ ~~ _...~~ .'-.~ ~"'-~ R. Thomas Kline Sheriff of Cumberland County GREGORY JAVARDIAN 02/01/2005 Sworn and subscribed to before me this day of A.D. Prothonotary Key Bank, USA, NA LARRY DEL VECCHIO PROCESS SERVER FOR GREGORY JAVARDIAN, ESQUIRE P.O. BOX 3221 WARMINISTER, PA 18974 (215) 442-5668 (215) 442-9727 FAX COURT OF COMMON PLEAS CUMBERLAND COUNTY VS. NO. 05-384-CIVIL TERM JAMES H. BUFFINGTON LAST KNOWN ADDRESS: 1129 S. York Street Mechanicsburg, PA 17055 AFFIDA VlT OF GOOD FAIT" EFFORT TO LOCATE DEFENDANT (S) I hereby certify that on February 10, 2005, a good faith effort was made to discover the correct address of said defendant (s), by: 1. Inquiry of Postal authority; Postal aulhority stated the defendant has not filed a change of address. 2. Examination oflocal telephone directories and 411 assistance; There are no listings for lhe defendant in or around the Mechanicsburg area. 3. Neighbor Contacts: Richard & Linda Donnelly, 1127 S. York St., (717) 249-8599, left messages with no response 4. Tax Information: Tax office mails bill to property, 719 Sinclair Rd. 5. Death Records: Social Security has no death records under the defendant's SSN 6. Voter Registration: Defendant is registered at property, 719 Sinclair Rd. I certify that this information is tme and correct to the best of my knowledge, information and belief. BY: Lany Del Vecchio, Process Server --2"-<..- NOTARY PUBLIC: Sworn to and described before me this ;;l \ :A: day of 'v-v--.. ~ 2005. r-~~.:...'{-.....,...fh~", 'I LARRY DEL VECCHIO PROCESS SERVER FOR LAW OFFICES OF GREGORY JAVARDIAN P.O. BOX 3221. WARMINSTER, PA 18974. (215) 442-5668. FAX (215) 442-9727 February 10, 2005 Postmaster Mechanicsburg, P A 17055 REQUEST FOR CHANGE OF ADDRESS OR BOXHOLDER INFORMATION NEEDED FOR SERVICE OF LEGAL PROCESS Please furnish the new address or the name and street address (if a boxholder) for the following: Name: Address: James H. Buffington 1129 S. York Sl. Mechanicsburg. P A 17055 The following infonnation is provided in accordance with 39 CFR 265.6(d) (4) (ii). There is no fee for providing boxholder information. The fee providing change of address information is waived in accordance with 39 CFR 265.6 (d) (I) and (2) and corresponding Administrative Support Manual 352.44 a and b. 1. Capacity of requester: Process Server 2. Statute or regulation that empowers me to serve process (not required when requester is an attorney or a party acting Pro Se- except a corporation acting Pro Se must cite statute: Process Server for Law Offices of Gregory Javardian, (Rule 400.l.b) 3. The names of all known parties to this litigation: Key Bank v. James H. Buffington & Vicki J. Buffington 4. The court in which the case has been or will be heard: Cumberland County, P A, Court of Common Pleas 5. The docket or other identifying number if one has been assigned: 05-384-CIVIL 6. The capacity in which this individual is to be served: Defendant( s) THE SUBMISSION OF FALSE INFORMATION TO OBTAIN AND USE CHANGE OF ADDRESS INFORMATION OR BOXHOLDER INFORMATION FOR ANY PURPOSE OTHER THAN THE SERVICE OF LEGAL PROCESS IN CONNECTION WITH ACTUAL OR PROSEPCTIVE LITIGATION COULD RESULT IN CRIMINAL PENALTIES INCLUDING A FINE OF UP TO $10,000.00 OR INPRISONMENT OR (2) TO AVOID PAYMENT OF THE FEE FOR CHANGE OF ADDRESS INFORMRA TION OF NOT MORE THAN 5 YEARS, OR BOTH (TITLE 18 U.S.c. SECTION 1001). 1 CERTIFY TJ-iA T TilE AB0Vb iNFORiViAnON IS TfWE AND THAT THE ADDRESS iNFO}{.iVIATION IS r'H=.EDED AND WILL BE USED SOLEL v FOR SERVICE OF LEGAL PROCESS IN CONNECTION WITH ACTUAL OR PROSPEC1WE LITIGATION. /']., po. Box322I Wanninster, PA 18974 LARRY DEL VECCHIO For Law Offices of Gregory Javardian / FOR THE POST OFFICE USE ONLY ~ NO CHANGE OF ADDRESS ORDER ON FILE. NEW ADDRESS OR BOXHOLDER'S NAME AND PHYSICAL STREET ADDRESS: LARRY DEL VECCHIO PROCESS SERVER FOR LAW OFFICES OF GREGORY JA V ARDIAN P.O. BOX 3221. WARMINSTER, PA 18974. (215) 442-5668. FAX (215) 442-9727 February 10, 2005 Postmaster Mechanicsburg, P A 17055 REQUEST FOR CHANGE OF ADDRESS OR BOXHOLDER INFORMATION NEEDED FOR SERVICE OF LEGAL PROCESS Please furnish the new address or the name and street address (if a boxholder) for the following: Name: Address: James H. Buffington 719 Sinclair Rd. l\1echanicsburg:, P.A. ! 7055 The [oJlawing information is provided in accordance with 39 CFR 265.6(d) (4) (ii). There is no fee for providing box holder information. The fee providing change of address information is waived in accordance with 39 eFR 265.6 (d) (I) and (2) and corresponding Administrative Support Manual 352.44 a and b. 1. Capacity of requester: Process Server 2. Statute or regulation that empowers me to serve process (not required when requester is an attorney or a party acting Pro Se- except a corporation acting Pro Se must cite statute: Process Server for Law Offices of Gregory Javardian, (Rule 400.l.b) 3. The names of all known parties to this litigation: Key Bank v. James H. Buffington & Vicki J. Buffmgton 4. The court in which the case has been or will be heard: Cumberland County, P A, Court of Common Pleas 5. The docket or other identifying number if one has been assigned: 05-384-CIVIL 6. The capacity in which this individual is to be served: Defendant( s) THE SUBMISSION OF FALSE INFORMATION TO OBTAIN AND USE CHANGE OF ADDRESS INFORMATION OR BOXHOLDER INFORMATION FOR ANY PURPOSE OTHER THAN THE SERVICE OF LEGAL PROCESS IN CONNECTION WITH ACTUAL OR PROSEPCTIVE LITIGATION COULD RESULT IN CRIMINAL PENALTIES INCLUDING A FINE OF UP TO $10,000.00 OR INPRISONMENT OR (2) TO AVOID PAYMENT OF THE FEE FOR CHANGE OF ADDRESS INFORMRATION OFNOT MORE THAN 5 YEARS. OR BOTH (TITLE 18 U.S.c. SECTION 1001). I CERTIFY TiiAT THE ABOVE INfGRMATiON IS 'J l<.UE AND THAT niE ADDRESS INFOK.MATlCrN is ]~EEDED Aj~[; WILL BE USED SOLELY FOR SERVICE OF LEGAL PROCESS IN CONNECTION WITH ACTUAL OR PROSPECTIVE LITIGATION. .~ P.O. Box 3221 Wanninster, PA 18974 LARRY DEL VECCHIO For Law Offices of Gregory Javardian 1/ FOR THE POST OFFICE USE ONLY POSTM NO CHANGE OF ADDRESS ORDER ON FILE. NEW ADDRESS OR BOXHOLDER'S NAME AND PHYSICAL STREET ADDRESS: LAW OFFICES OF GREGOR Y JA V ARDIAN By: GREGORY JA V ARDIAN, ESQUIRE IDENTIFICA nON NO. 55669 1310 INDUSTRIAL BOULEVARD ISTpLOOR, SUITE 101 SOUTHAMPTON, PA 18966 (215) 942-9690 KEY BANK, USA, N.A. COURT OF COMMON PLEAS vs. CUMBERLAND COUNTY JAMES H. BUFFINGTON VICKI J. BUFFINGTON No.: 05-384 VERIFICA nON COMMONWEALTH OF PENNSYLVANIA: SS COUNTY OF BUCKS: I, Gregory Javardian, Esquire, being duly sworn according to law, hereby depose and say that the facts set forth in the foregoing Motion for Alternative Service are true and correct to the best of my knowledge, information and belief and understands that the statements therein are made subject to the penalties of 18 Pa.C.S.A. Section 4904, relating to unsworn falsification to authorities. a .~~ LA W OFFICES OF GREGORY JAVARDIAN By: GREGORY JA V ARDIAN, ESQUIRE IDENTIFICATION NO. 55669 1310 INDUSTRIAL BOULEV ARD IsTpLOOR, SUITE 101 SOUTHAMPTON, PA 18966 ill2l942-9690 KEY BANK, USA, N.A. COURT OF COMMON PLEAS vs. CUMBERLAND COUNTY JAMES H. BUFFINGTON VICK[ J. BUFFINGTON No.: 05-384 CERTIFICATE OF SERVICE I, Gregory Javardian, Esquire, counsel for the Plaintiff, hereby certify that a copy of the foregoing Motion for Altemati ve Service was served on the following persons by first class mail, postage prepaid, on this 22ND day of March, 2005. JAMES H. BUFFINGTON 719 SINCLAIR ROAD MECHANICS BURG, PA 17055 Gregory Javardian, Esquire ID# 55669 -;;IS"" ;..? ~i /-. C ;s ~ ~~:.l.:'. ?,. t~ " y- C':~ -;:: -2 G '? ';;t 'ii- -$ "'"- -;eN ...., "" q.. --' ~-(\ fi'ir;"\ -0',..':"-" ".fl'l,/ ()~9 ~:. 3;.l.. "~-;-:l(~ /~,'fl '-~ ~l T'" ::J: -- -- t" t'-' -- ---- SHSRIFF'S RETURN - NOT FOUND CASE NO: 2005-00384 P COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND KEY BANK USA NA VS BUFFINGTON JAMES H ET AL R. Thomas Kline ,Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT BUFFINGTON JAMES H but was unable to locate Him in his bailiwick. He therefore returns the COMPLAINT - MORT FORE , NOT FOUND , as to the within named DEFENDANT , BUFFINGTON JAMES H 719 SINCLAIR ROAD MECHANICSBURG, PA 17055 SERVICE WAS ATTEMPTED AT BOTH 719 SINCLAIR ROAD AND 1129 S YORK STREET. DEFENDANT DOES NOT LIVE AT EITHER ADDRESS. Sheriff's Costs: Docketing Service Not Found Surcharge 18.00 8.14 5.00 10.00 .00 41.14 So answers: ? -. ~k~~.-~- R. Thomas Kline Sheriff of Cumberland County _.."'-,~ GREGORY JAVARDIAN 02/01/2005 Sworn and subscribed to before me this /} .~ day of ;JcL.~ ;({J1)5 A. D. prot~ry() ~ /~ SHERIFF'S RETURN - REGULAR CASE NO: 2005-00384 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND KEY BANK USA NA VS BUFFINGTON JAMES H ET AL RON KERR Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon BUFFINGTON VICKI J the at 1620:00 HOURS, on the 31st day of January 2005 DEFENDANT at 719 SINCLAIR ROAD MECHANICS BURG , PA 17055 by handing to VICKI BUFFINGTON a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 6.00 8.14 .00 10.00 .00 24.14 1-'/)')i::;:m~<4: ~ R. Thomas Kline 02/01/2005 GREGORY JAVARDIAN Sworn and Subscribed to before By: fL If/\. _ I Deputy Sheriff me this tC j I .- day of Jd..u.~ ,;!ltVS. A.D. eJ'1:U Q. rb ctL # fp othonotary , LAW OFFICES OF GREGORY JAVARDIAN By: GREGORYJAVARDlAN,ESQLnRE IDENTlFICATION NO. 55669 1310 lNDUSTRIAL BOULEVARD 1sT FLOOR, SUITE 101 SOUTHAMPTON, PA 18966 (215) 942-9690 KEY BANK, USA, N.A. I COURT OF COMMON ~LEAS ! CUMBERLAND COUN~Y No.: 05-384 vs. JAMES H. BUFFINGTON VICKI J. BUFFINGTON ORDER GRANTING ALTERNATNE SERVICE PURSU~T TO PENNSYL V ANlA R.C.P. 430 ; ~ MAR 2 8 2005 . r'" ~ This matter being opened to the court by Gregory Javardian, Esq~ire, atto ey for Plaintiff, upon Motion for Order Granting Alternative Service, pursuant tp Pennsy vania , , R.C.P. 430, and the Court having reviewed and considered the pleadings rubmitte in , connection with this matte~d for good c~n: \ ...J IT IS on this 3C> day of /fI, ,2005, ORDEDbD that t e ...."'" "",,,,,, - ~ Q.,lMrd> . " / r II Motion for Alternative Service by "~. .:u arJlie Complaint in Mortgage Iforeclosu e by , posting the premises, 719 SINCLAIR ROAD, MECHANICS BURG, PA 117055 an by regular and certifi~ed mail tO~~Dffe!llknt's, J{\MES H. BUFFINGTO*, last kno n iI I ( -'" _ _._.......~ J- C.CCVl'~ 1'- ,. addresj L,-L'-'l\;Dy I c;.;J. f~ . " BY ~~ D J. 'i~ . t 'ji A.1;,<(".:'"r (I" ","":,-,_".I('J ,i,1 I 0 : 111!V i S ~jUH snoz .\bV1Q~~U\";.l.U:'d 31-11 ;:](l :D;:;::':O-Cllr.{ THE LAW OFFICES OF GREGORY JA V ARDIAN BY: GREGORY JA V ARDIAN Attorney Id No. 55669 1310 Industrial Boulevard I s, Floor, Suite 101 Southampton, P A 18966 (215) 942-9690 Attorney for Plaintiff KEY BANK, USA, N.A. 2 GATEHALL DRIVE PARSIPPANY, NJ 07054 Plaintiff Vs. JAMES H. BUFFINGTON VICKI J. BUFFINGTON Defendants IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW NO. 05-384 PRAECIPE TO REINSTATE COMPLAINT TO THE COURT: Kindly Reinstate the Complaint in Mortgage Foreclosure for an Additional thirty (30) days. Dated: April 6, 2005 BY: d. ,Esquire 13 strial Boulevard IS' Floor, Suite 101 Southampton, P A 18966 n ~:~ ~;,.. ~::1 ...,c ,..., = = c.n ".. -v :::0 I c:> ~ -l :r:.." n1F -om ~l~ ,.1;: "I ~._~ -"- '7;;.t\ ,~~ """ CD '-< -0 :Jr ':'? {.n W SHERIFF'S RETURN - REGULAR CASE NO: 2005-00384 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND KEY BANK USA NA VS BUFFINGTON JAMES H ET AL CPL. MICHAEL BARRICK , Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according t law, says, the within COMPLAINT - MORT FORE was served upon BUFFINGTON JAMES H the DEFENDANT , at 1420:00 HOURS, on the 11th day of April at 719 SINCLAIR ROAD , 2005 MECHANICSBURG, PA 17055 by handing to POSTED PROPERTY AT 719 SINCLAIR RD MECHANICSBURG a true and attested copy of COMPLAINT - MORT FORE together ith and at the same time directing His attention to the contents th reof. Sheriff's Costs: Docketing Service Posting Surcharge So Answers: 18.00 7.40 6.00 10.00 .00 41.40 .ri;;4fi!;;~~-'< _ ~ R. Thomas Kline 04/12/2005 GREGORY JAVARD Sworn and Subscribed to before By: day of " ( THE LAW OFFICES OF GREGORY JA V ARDIAN BY: GREGORY JA V ARDIAN Attorney Id No. 55669 1310 Industrial Boulevard 1st Floor, Suite 101 Southampton, PA 18966 (215) 942-9690 Attorney for Plaintiff KEY BANK, USA N.A. Plaintiff Vs. JAMES E. BUFFINGTON VICKI J. BUFFINGTON Defendants IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW NO. 05-384 CERTIFICATE OF SERVICE I hereby certify that per the court order dated March 30th 2005, copies ofthe Reinstated Complaint in Mortgage Foreclosure were mailed to defendant, James H. Buffington, by certified and regular mail, by first class United States Mail, postage prepaid on the date set forth below. , Dated: April 19, 2005 BY: ian, Esquire 1; 10Indu al Boulevard 1st Floor, uite 101 Southampton, P A 18966 Sworn and su~~bed to me this ~t{ day of~ ,2005 NOTARY P~BLIC ~<(~ _~'':::.~E:~:~,!.::::'I::::,l;~2:~~..9.,~~!!:'~r~YLy.~:!:.~~~ [ ~.:~},I\"I."'_ ,,':AI. j i 1"''',' :~. ""'i"I;')~::c' r'~'"'\''f'1 PIJhlir' ,"',,'\ e' ,"\...r :",,\, ",-,.U,' ,'._;'~ lhpc: 1\."'';), 81.~i:J,~ C::'Jnty ~J~Y COrlIT:'SSIOr1 Novenlber 29,20;;8 _ - ~._~""",".;",.,.,;'etHI!~~ c,.' LAW OFFICES OF GREGORY JAVARDIAN 1310 INDUSTRIAL BOUlEVARD 1 $T FLOOR. SUITE 101 SOUTHAMPTON, PA 18966 James H. Buffington 719 Sinc!air Road Mechanksburg, PA 17055 ',,'-, Law Offices oeGregory javan1' 1310IndustrialBlvd. Ian 1st Floor Suite 101 Southampton, Pa 18966 James H. Buffington 719 Sinclair Road Mecharticsburg,PA 17055 11bl1 3'101 'l84B Bb 1a i!lI3B TO: JameS H. Buffington 7\9 Sinclair Road MechanicsbUIg,PA1705S SENOER: KF REfEAENC~i.buffungton ..- _eN AECEIPT """'" -- c.rtlhdfM flI\IIITl~tF" -"" ~PoIIi9'&feI' ~Af\'Il.OR~ US PoslaiServ\C8 Receipt for certified Mail f: NOI"",_~p,oyIdltd DOtlotU..IDlIrrte<~tMlI I 1- C) ,. <'>., C.::> C~'J ~, C:, -n ::;J f-:". f'<~} N ~---) c., Lf' THE LAW OFFICES OF GREGORY JA V ARDIAN BY: GREGORY JA V ARDIAN Attorney Id No. 55669 1310 Industrial Boulevard 1 st Floor, Suite 101 Southampton, PA 18966 (215) 942-9690 Attorney for Plaintiff KEY BANK, USA, N.A. 2 GATEHALL DRIVE PARSIPPANY, NJ 07054 Plaintiff Vs. JAMES H. BUFFINGTON VICKI J. BUFFINGTON Defendants IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW NO. 05-384 PRAECIPE TO REINSTATE COMPLAINT TO THE COURT: Kindly Reinstate the Complaint in Mortgage Foreclosure for an Additional thirty (30) days. Dated: July I, 2005 BY: o ",~i ~~1 i' .' C/) .","" ~~ . ~t:.~ ~ ,...., = = "" '- c: ,_e I 00 o -n ...... :r:~ f11-..!..! -oFT; ~:Ul.J g~~ ~~l J> '--1) ;=<:: ~ N (.n U1 SHERIFF'S RETURN - REGULAR CASE NO: 2005-00384 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND KEY BANK USA NA VS BUFFINGTON JAMES H ET AL MICHAEL BARRICK , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE, RE was served upon BUFFINGTON JAMES H the DEFENDANT , at 1444:00 HOURS, on the 11th day of July at 719 SINCLAIR ROAD , 2005 MECHANICSBURG, PA 17055 by handing to POSTED PROPERTY AT 719 SINCLAIR RD MECHANICSBURG a true and attested copy of COMPLAINT - MORT FORE, RE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Posting Surcharge So Answers: 18.00 7.20 6.00 10.00 .00 41.20 ~,,--, / r ~~?'.r..,.<(: 4~~ R. Thomas Kline me this 1'1';::' day of 07/12/2005 GREGOR'.J~ By. , ~ Deputy S eriff Sworn and Subscribed to before ~ ;;.oo,{ A.D. q Q - -- _4, ~ p[othonotary ,~ THE LAW OFFICES OF GREGORY JA V ARDIAN BY: GREGORY JAVARDIAN Attorney Id No. 55669 1310 Industrial Boulevard 1 st Floor, Suite 101 Southampton, PA 18966 (215) 942-9690 Attorney for Plaintiff KEY BANK, USA N.A. Plaintiff Vs. JAMES E. BUFFINGTON VICKI J. BUFFINGTON Defendants IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW NO. 05-384 CERTIFICATE OF SERVICE I hereby certify that per the court order dated March 30th 2005, copies of the Reinstated Complaint in Mortgage Foreclosure were mailed to defendant, James H. Buffington, by certified and regular mail, by first class United States Mail, postage prepaid on the date set forth below. Dated: July 13,2005 BY: ~ Sworn and sub~ibed to me this ,aD day of UAOill ,2005 NOf~Ry(hWLIC ~crJ~ (;C'M~.~ONWEALTH O)PENNSYLVAN'^ r----.-N"oT ARIAL SEAL . TiNl' E pePER Notary Public . U~Tt:: S::i;,i;:~JIliD:on Twp.. Bl:cks County i ::':; C(m~ml?.'Ji:)il Ei\pIH?S November 29,2008 ii~ ~= == ...... i1 ~ ~ a w ''\ Iii IwOflicesOfGtcgoryjavardian ",~ :10Industrial Blvd. 'S t Floor Suite 101 a: J!lthampton,Pa 18966 Ii: ill &l " z " ~ " ~:.:..:-.- - ~~{~~~~1-:~~~ - ~-~l 1;j5.~t 0 \, I' ;[,~~...t'.}~~s POST~"E (' 1 ~ ,l'~ i' \ = ~ JAMES H. BUFFINGTON 719 SINCLAIR ROAD MECHANlCSBURG, PA 17055 ~ '646 6b 72 20'lO BUFFINGTON AIR ROAD [CSBURG, PA 17055 kJ. tBUFFINGTON "'" .. ".... IIA<<:o/plF. "" -'- !rvIce I'OSTMAFllCORo,t;\"E I for ~Mail ...- -... lAW OFfiCES OF GREGORY JAVARDlAN 1 J 1 0 INDUSTRIAl BOULEVARD 1ST FLOOR. SUHE 101 SOUTHAMPTON. PA 18966 'l'" \~ ,"cPoS \ '':-lEr'r~~i I ~"""'~..., _ _... ~~"':nl ~ 2 4 4 - : >~~~-fu __-.: ! , '..'" Us pO~T~<..lr lAMES ff. BUFFINGTON 719 SINCLAIR ROAD MECHANICSBURG, PA ]7055 I..... (") ~:; -Vi". n~i ":;', ~~ ~~,; ~\" 2:; C.: f~--;; ( , -r..,.,_.- ~ '-- 3. r-' ~ <.-- c::::: \"-- N N ..." :J;: ~? Q. :t.-n P'r :98 ",9 \ I..)() ':~_t ::;~ '2fS dm -, .~ :~ .l'"' l LAW OFFICES OF GREGORY JA V ARDIAN BY: GREGORY JA V ARDIAN ID# 55669 1310 INDUSTRIAL BOULEVARD 1 ST FLOOR SUITE 101 SOUTHAMPTON, PA 18966 (215) 942-9690 Attorney for Plaintiff KEY BANK, USA, N.A. COURT OF COMMON PLEAS CUMBERLAND COUNTY PLAINTIFF VS. NO.05-384 JAMES H. BUFFINGTON VICKI J. BUFFINGTON DEFENDANT(S) COMPLAINT IN MORTGAGE FORECLOSURE CERTIFICATE OF SERVICE I hereby certify that per the court order dated March 30th, 2005 the Notice of Action in Mortgage Foreclosure was published in the The Carlisle Sentinel on July 20, 2005 and Cumberland Law Journal on July 29, 2005 and evidenced by the attached affidavits. Dated: August 15, 2005 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 Joumal, 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 CO'.Irts 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 July 29, 2005 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. SWORN TO AND SUBSCRIBED before me this 29 day of Julv. 2005 SEAL LOIS E. SNYDER, Notary Public Carlisle 8010, Cumberland County My Commission Expires March 5. 2009 PROOF OF PUBLICATION State of Pennsylvania, County of Cumberland Tammy Shoemaker, Classified Advertising Manager, of The Sentinel, of the County and State aforesaid, being duly sworn, deposes and says that THE SENTINEL, a newspaper of general circulation in the Borough of Carlisle, County and State aforesaid, was established December 13th, 1881, since which date THE SENTINEL has been regularly issued in said County, and that the printed notice or publication attached hereto is exactly the same as was printed and published in the regular editions and issues of THE SENTINEL on the following day(s) Julv 20, 2005. COPY OF NOTICE OF PUBLICATION KEY BANK, USA, N.A., Plaintl!l. v .ills H. BUFFlNGroN ....VICI(\,j, II\!l'FINGTON, DI_AIIT8 "~I/t . .~II ~ UllliES H. BuFfllNGT~ 01 Y"'-~~I-::r"__~"""""""'1O ...fIaIo_lI*tlI .. .~wII"_""you. VOlt Affiant further deposes that hef she is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statement as to time, place and character of :J;;~~ Sworn to and subscribed before me this 20th day of July, 2005. C'i~~t1/ fr.{f~J: Notary Pu c My commission expires: C;! lilt' COMMONWEALTH OF PENNSYLVANIA Notarial Seal Chnstina L. ware, Notary Public Carlisle Boro, Cumberland County My Commission ExpifllS Sepl1, 2008 Member. Pennsylvania Association Of Notaries CUMBERLAND LAW JOURNAL NOTICE OF ACTION IN MORTGAGE FORECLOSURE In the Court of Common Pleas of Cumberland County. Pennsylvania eM! Action-Law January Term 2005 No. 05-384 KEY BANK. USA, N.A.. Plaintiff v. JAMES H. BUFFINGTON and VICKI J. BUFFINGTON. Defendants NOTICE TO: JAMES H. BUFFINGTON You are hereby notified that on January 21. 2005 Plaintiff, KEY BANK. USA, N.A., rued a Mortgage Foreclosure Complaint endorsed with a Notice to Defend. against you in the court of Common Pleas of Cum- berland County. Pennsylvania. dock- eted to January Term 2005. No. 05- 384 Civil Term. Wherein Plaintiff seeks to foreclose on the mortgage secured on your property located at 719 Sinclair Road. Mechanics- burg. PA 17055. whereupon your property would be sold by the Sher- iff of Cumberland County. You are hereby notified to plead to the above referenced Complaint on or before 20 days from the date of this publication or a Judgment will be entered against you. 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 no- 2 lice are served, by entering a writ- ten appearance personally or by at- tomey and filing in writing with the court your defense or objections to the claims set forth against you. You are warned that if you faU 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 rellef requested by the Plain- t1ff. You may lose money or prop- erty or other rights important to you. YOU SHOULD TAKE THIS NO- TICE TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE. GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 32 S. Bedford Street Carllsle. PA 17013 (717) 249-3166 GREGORY JAVARDIAN, ESQUIRE THE LAW OFFICES OF GREGORY JAVARDIAN Attorneys for Plaintiff 1310 Industrial Boulevard 1st Floor Suite 101 Southampton, PA 18966 (215) 942-9690 July 29 n ~~ :'., .,. .-.:> s~ U'l ~.... t-::: (",.") o -rl --4 :L-r} rrlp- ..,...,CG ~:)\./ (") c:, ~.:~ ~:~A '~~ ":po. ~ OJ -n ~:: t:;1 ......, w ... __LAW OFFICES OF GREGORY JAVARDIAN By: GREGORY JA V ARDIAN, ESQUIRE IDENTIFICATION NO. 55669 1310 INDUSTRIAL BOULEVARD 1ST FLOOR, SUITE 101 SOUTHAMPTON, PA 18966 (215) 942-9690 KEY BANK, USA, N.A. 2 GA TEHALL DRIVE PARSIPPANY, NJ 07054 COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. No.: 05-384 CIVIL TERM JAMES H, BUFFINGTON P.O, BOX 1004 NEW KINGSTOWN, PA 17072 VICKI J, BUFFINGTON 1129 S. YORK STREET MECHANICSBURG, PA 17055 PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly enter judgment in favor of the Plaintiff and against JAMES H. BUFFINGTON and VICKI J. BUFFINGTON, Defendants, for failure to file an Answer to Plaintiffs Complaint within 20 days from service thereof and for foreclosure and sale of the mortgaged premises, and assess Plaintiffs damages as follows: As Set forth in Complaint Interest 1/11/05 to 8/29/05 TOTAL $136,087.16 8,466,30 $144,553.46 I hereby certify that (1) the addresses of the Plaintiff and Defendants are as shown above, and (2) that notice has been given in accordance with Rule 237.1, copy attached, IAN, ESQUIRE Damages are hereby assessed as indicated. &iii4 PRO PRO DATE: q / I ~~ I I ... . I - KEY BANK, USA, N.A. Plainti ff IN THE COURT OF COMMON PLEAS v. CUMBERLAND COUNTY JAMES H. BUFFINGTON VICKI J. BUFFINGTON Defendants NO. 2005-384 CV TO: .TAMES H. BUFFINGTON VICKI J. BUFFINGTON 719 SINCLAIR. ROAD MECHANICSBURG, PA 17055 .TAMES H. BUFFINGTON VICKI .T. BUFFINGTON 1129 S. YORK STREET MECHANICSBURG, PA 17055 DATE OF NOTICE: 8/19/2005 NOTICE, RULE 237.1 IMPORTANT NOTICE You are in defaul t because you have failed to enter a written appearance personally or by attomey and file in writing with the court your defenses or objections to the claims se 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 notice to a lawyer at once. If you do not have a lawyer or cannot afford one, go to or telephone the following office to find out where you can get legal help. Cumberland County Bar Association Lawyer Reference Service 32 S. Bedford Street Carlisle, P A l70~3 (800) 990-910 (717) 249-3166 n Gregory .Tavardian, Esquire 1310 Industrial Boulevard 1 st Floor, Suite 101 Southampton, P A 18966 (215) 942-9690 Attorney for Plaintiff Usted se encuentra en estado de rebeldia por no haber tomado la accion requiida de su parte en este caso. Al no tomar la accion debida dentro de un termino de diez (10) dias de esta notificacion, el tribunal podra, sin necesidad de compararecer usted en corte 0 escuchar prueba alguna, dictar sentencia en su contra, usted puede perder bienes y otros derechos importantes. Debe llevar esta notificacion a un abogado immediatemente si usted no tiene abogado, 0 si no tiene dinero suficiente para tal servicio, vaya en persona 0 llame por telpfono a la oficina, cuya direccion se encuentra escrita abajo para averiguar donde se puede conseguir assistencia legal. "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" , LAW OFFICES OF GREGORY JAVARDIAN By: GREGORY JA V ARDIAN, ESQUIRE IDENTIFICATION NO. 55669 1310 INDUSTRIAL BOULEVARD 1ST FLOOR, SUITE 101 SOUTHAMPTON, PA 18966 (215) 942-9690 KEY BANK, USA, N.A. COURT OF COMMON PLEAS vs. CUMBERLAND COUNTY JAMES H, BUFFINGTON VICKI J. BUFFINGTON No.: 05-384 CIVIL TERM VERIFICATION OF NON-MILITARY SERVICE GREGORY JA V ARDIAN, ESQUIRE, hereby verifies that he is attorney for the Plaintiff in the above-captioned matter, and that on information and belief, he has knowledge of the following facts, to wit: (a) Defendants, JAMES H. BUFFINGTON and VICKI J. BUFFINGTON, are not in the Military or Naval Service of the United States or its Allies, or otherwise within the provisions of the Servicemembers' Civil Relief Act of Congress of 1940, as amended. (b) Defendant, JAMES H. BUFFINGTON, is over 18 years of age, and resides at PRESENT WHEREABOUTS ARE UNKNOWN, (c) Defendant, VICKI J. BUFFINGTON, is over 18 years of age, and resides at 1129 S, YORK STREET, MECHANICS BURG, PA 17055, (d) Plaintiff, KEY BANK, USA, N.A., is an institution conducing business under the Laws of the Commonwealth of Pennsylvania with an address of 2 GA TEHALL DRIVE, PARSIPPANY, NJ 07054. This statement is made subject to the penalties of 18 Pa. C,S, Section 4904 relating to unsworn falsification to authorities. DIAN, ESQUIRE ,..- t ?C) ~ ..tg, il :-{J () M "- D 6'- ~ ~ "-J ~ n r--.:> ~ 0' c. .:::::.:~ 0 ~ l;;;:::~ ::;l "'-G . . c..n -n if' (/) --I SU --..a ~ r'.1 -r -\) (;l~ r;;;- I 2:J t-- ~ ~.u - .L "~ 1..- ~~) - -" ,..~ . , -- .. tJ1 _1- .. COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND KEY BANK, USA, N.A. COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. No.: 05-384 CIVIL TERM JAMES H. BUFFINGTON VICKI J. BUFFINGTON PRAECIPE FOR WRIT OF EXECUTION MORTGAGE FORECLOSURE TO THE PROTHONOTARY: Kindly issue Writ of Execution in the above matter. Amount Due $144,553.46 I Interest from 8/29/05 to Date of Sale @ $23.76 per diem $ $ Subtotal (Costs to be added) GREG Attorn r PI in ff J.D. #55669 1310 Industrial Boulevard 1 st Floor, Suite 10 1 Southampton, P A 18966 (215) 942-9690 ) (C) \) ::J \h 7l L f- - ~ ~ ~ ""'V ~ - ~ - --{:) ~ P J i;"" S '('" -+- \J V) ~ r- ~~ ~~~-:s:t:S~~ ''iJ; . ~ 1:; 't>~'+ ~ ~ ~"l ~ 'f... ~ "-' --r .\~ ~ ~~ 0 cc.> -n J1 c/) r-.n ~c \ - - (...,..., -- .... .. All that ce:rta.i.n piece or parcel of land si.tuate in Opper Ulen Township I Cumberl.and County, pennsyl vania I more particuJ.az:ly bQuncled and dasoribed as fo110w&, to ~it: BEGINNING at a point in the center of the pub~ic:: township road lillja.d.inq from the Williams Grove Read to Trindle Sprinqs, which said point is South saV'enty.,..four degrees t:hirty DUDUUias n'o seconds West (8 74 30' 00.1 W), a clist.ancQ of four hundrE?d fift:y-one and DO hunch;edths (459"00) feet. from the intarsQc1:ion of the center J.ift8 of the Williams Grove Road with the center line of the public Township road, aforementioned; thence alon9 the line of lands fo~erly of George Weir strock and Rhoda A. strock, his wife" now or late of McGuire, Sou th fift.een degree. thirty minut.es and no seconds Eaat. (S 15 301 00" E) I a ciistance of: two hundred and eleven and :forty hun<b'ec1ths . . (211.40) feet to a point. in the Nor~rn right of way line of the Pennsylvania 'l'urnpike, North eiqhty-s~vlim deqreas fi~t:;y:-~our minu~s and thirt.y seconds West (N 87 S4' 3011 10, a. di.stance of one hundred. ten and no hundredths (110.00) feet, more or les5, to a point in said ~ight of way line; thence al.ong the llne of land fo:rmerly of George Wei.r Strock and Rhoda A. strock, his lIIife, now 0% formerly of Lee A" Bit.ler and Ma%y ~itl.rr his w~e( North fifteen degrees thirty minutes no seconds West (N is 30' 0011 W) I a di.stance c~ one hundred seventy-eight and forty hundredth. (178.40) feet to a point iQ the center of the PW?lic Township road. afo.z:esaidi thQnce' aJ.onq the center ~ine of said :roa.d, North seventy-four'degrees th:i.:I:'t:y Dlinutea no seconds East (N 74 30' 00" B), a distanca o~ one bundred five and no hundredths (105.00) feet to a point a.t the, place of BEGINNING. UNDER AND SUBJECT, NE~'rBELESS, to all restrict.ions I reservationu, con~tions, covenants, easements and ~ights of way of prior :eco~d. BEING the saae premises whi~ Todd L't., Duncan I lSing~e person, and The Homestead Group, Inc. r a Ponnsylvania CoJ:Poration, by deed d&ted November 14, 2001 and recorded Oecambar 2~, 200~ in Cumberland County in Deed Book Volume 249 at Page 3607, granted and conveyed unto James H. Buffin9ton and V~ck~ J. Buffington, his wife. BEING KNOWN AS 719 SINCLAIR ROAD, MECHANICSBURG, PA 17055 PARCEL #42-10-0644-008. LA W OFFICES OF GREGORY JA V ARDIAN By: GREGORY JA V ARDIAN, ESQUIRE IDENTIFICATION NO, 55669 1310 INDUSTRIAL BOULEVARD 1ST FLOOR. SUITE 101 SOUTHAMPTON, PA 18966 (215) 942-9690 KEY BANK, USA, N.A, COURT OF COMMON PLEAS vs. CUMBERLAND COUNTY JAMES H. BUFFINGTON VICKI J. BUFFINGTON No.: 05-384 CIVIL TERM CERTIFICA TION TO SHERIFF OF CUMBERLAND COUNTY AS TO THE SALE OF REAL ESTATE I hereby certify that I am the attorney for the Plaintiff in this Mortgage Foreclosure Action and further certify this Property is: () FHA ( ) Tenant Occupied () Vacant ( ) Commercial ( ) As a result of Complaint in Assumpsit (X) Act 91 complied with o ~:: r-":> 0 -C:'.:':- -n ~ (/") c. .~ --C\ -- (,Ji .- .... WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 05-384 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due KEY BANK, USA, N.A, Plaintiff(s) From JAMES H, BUFFINGTON, POBOX 1004, NEW KINGSTOWN P A 17072 AND VICKI J. BUFFINGTON, 1129 S, YORK ST., MECHANICSBURG P A 17055. (1) You are directed to levy upon the property of the defendant (s)and to sell REAL ESTATE LOCA TEl) AT 719 SINCLAIR ROAD, MECHANICSBURG P A 17055 (SEE LEGAL DESCRIPTON) . (2) 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; (3) Ifproperty 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 $144,553.46 L.L. $,50 Interest FROM 8/29/05 TO DATE OF SALE @ $23.76 PER DIEM Atty's Comm % Due Prothy $1.00 Atty Paid $229.88 Plaintiff Paid Date: SEPTEMBER 1, 2005 Other Costs t~ Prothonotary (Seal) By: Deputy REQUESTING PARTY: Name GREORY JA V ARDIAN, ESQ. Address: 1310 INDUSTRIAL BLVD. 1ST FLOOR, SUITE 101 SOUTHAMPTON PA 18966 Attorney for: PLAINTIFF Telephone: (215) 942-9600 Supreme Court ID No. 55669 KEY BANK, USA, N,A. COURT OF COMMON PLEAS vs, CUMBERLAND COUNTY JAMES H. BUFFINGTON VICKI J. BUFFINGTON No.: 05-384 CIVIL TERM AFFIDA VIT PURSUANT TO RULE 3129.1 Plaintiff in the above action sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at 719 SINCLAIR ROAD, MECHANICSBURG, PA 17055: 1. Name and address of Owner(s) or reputed Owner(s): Name Last Known Address (if address cannot be reasonably ascertained, please indicate) JAMES H, BUFFINGTON P.O. BOX 1004 NEW KINGSTOWN, PA 17072 (PRESENT WHEREABOUTS ARE UNKNOWN) VICKI J. BUFFINGTON 1129 S. YORK STREET MECHANICSBURG, PA 17055 2. Name and address of Defendant(s) in the judgment: JAMES H. BUFFINGTON P,O. BOX 1004 NEW KINGSTOWN, PA 17072 (PRESENT WHEREABOUTS ARE UNKNOWN) VICKI J, BUFFINGTON 1129 S. YORK STREET MECHANICSBURG, PA 17055 3, Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) None, ... 4. Name and address of last recorded holder of every mortgage of record: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) Plaintiff. Beneficial Consumer Discount Company d/b/a Beneficial Mortgage Company of P A 4910 Carlisle Pike, Suite 104 Mechanicsburg, P A 17050 5. Name and address of every other person who has any record lien on the property: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) None. 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. Name Last Known Address (if address cannot be reasonably ascertained, please indicate) Cumberland County Domestic Relations 13 N. Hanover Street Carlisle, P A 17013 Cumberland County Tax Claim Bureau 1 Courthouse Square Carlisle, PA 17013-3387 Dept. of Public Assistance 33 Westminster Drive, P.O. Box 599 Carlisle, P A 17013-0599 P A Department of Public Welfare Bureau of Child Support Enforcement Health and Welfare Building - Room 432 P.O. Box 2675 Harrisburg, PA 17105-2675 7. Nam~ and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) Tenants/Occupants 719 SINCLAIR ROAD MECHANICSBURG, P A 17055 I verify that the statements made in this affidavit are true and correct to the best of my knowledge, information and belief. I understand that false statements herein are subject to the penalties of 18 Pa. C.S.A. 4904 relating to unsworn falsification to authorities. August 30, 2005 - '. C) 1"-.,) c::;;) 0 t:.:) -.1 C..51 C I") -l -r I -' - -n ell f"'" -;-1 jT~ , (. -; -' ( ,=) [(I -.-1 :=-2 Ul :JJ ..r::" --< - LAW OFFICES OF GREGORY JA V ARDIAN By: GREGORY JAVARDIAN, ESQUIRE IDENTIFICATION NO. 55669 1310 INDUSTRIAL BOULEVARD 1ST FLOOR, SUITE 101 SOUTHAMPTON, PA 18966 (215) 942-9690 KEY BANK, USA, N.A. COURT OF COMMON PLEAS vs, CUMBERLAND COUNTY JAMES H, BUFFINGTON VICKI J, BUFFINGTON No.: 05-384 CIVIL TERM NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: JAMES H. BUFFINGTON P.O. BOX 1004 NEW KINGSTOWN, PA 17072 VICKI J. BUFFINGTON 1129 S. YORK STREET MECHANICSBURG, PA 17055 Your house (real estate) at 719 SINCLAIR ROAD, MECHANICSBURG, PA 17055, is scheduled to be sold at Sheriffs Sale on DECEMBER 7, 2005 at 10:00 A.M., in the Cumberland County Courthouse, 1 Courthouse Square, Carlisle, PA 17013, to enforce the court judgment of $144,553.46, obtained by KEY BANK, USA, N,A., against you, NOTICE OF OWNER'S RIGHTS YOU MA Y BE ABLE TO PREVENT TillS SHERIFF'S SALE To prevent this Sheriffs Sale, you must take immediate action: 1. The sale will be cancelled if you pay to the mortgagee the back payments, late charges, costs and reasonable attorney's fees due, To find out how much you must pay, you may call: (215) 942-9690. 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 page two 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 Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (215) 942-9690. 2, You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property , 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call Gregory Javardian, Esquire at (215) 942-9690. 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 the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff. 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. 7 . You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 32 S. BEDFORD STREET CARLISLE, P A 17013 TELEPHONE: (717) 249-3166 (800) 990-9108 " All tha t ce:r;ta.i.n piece or parcal of land sj. tua te in Opper Allen Township I Cumber land County, pennsylvania I more particuJ.a:ly bQunclec! and daaaribed as fo11ow&, to w~t: BEGINNING at a po~nt in the center of the pUblic township road l.iiPiad.inq from the Wi11iams Grove ROad t.o Trindl.e Sprinqs, which sai.d point is South seventy-.four degrees thirty minuUJs n"o seconds WQs1: (S 74 30' oo,e 10, a clist.ancQ of four hundr~d fift:y-one aDd DO bunc:U;edths (459.00) feet. from the :i.ntal:saction Q~ the center lin8 of the Williams ~ove Road wit.h the center lia.e of the public Township road, a.forementioned; thence a10n9' the l.ine of lands foz:merly of George W'Qir strock and Rhoda A. Buoek, his wi.~e,\ now or late of McGuire, South fift.een degrees tbirt:y- minut:es and no seconds East: (8 15 301 00 II E) I a distance of: two bundJ:ed and eleven. and :forty bUQ~.d.t;hs . (211,40) f.e~ to a poin~ in the Nor~~n rLgbt of W&y line of the Pennsylvania Turnpike, North eiqhtY-9~ven degrees fi:ft:y:-:four miDu~s and thirty seconds West (N 87 54' 30" 10, a distance of ODe hundred. ten and no hundredths (110.00) feet, mo~e or less, to & point in said I:ight of way line; t:hence &.long the 11ne o~ ~and f'oxmerly of George Wei.r Strock aDd Rhoda A. Strock, his 1ll'ife, now 0: formerly of Lee A, 8i 1:1ar and Ma%y 131 tler, his wi.fe, North f.ifteen degrees 't:hirt.y minutes no seconds We5t (N 15 30' 0011 W), a di.stance o~ one huncb:'ed seventy-eight and fort:y hundredth. (178.40) feet to a point in the cenbar of the PW?lie Townsbip r~ct a!o%:8s&idi thenoe" a10nq the centAar ~ine of said ro~d., Nort.h seventy-four "degrees th.i~ty minutes DO seconds Eaat (N 74 30' 00" E), a distance of one bunch'ec:1 five and no hundredths (105.00) feet to a point At the place of BBGINN1NG. UNDER .AND SUBJECT, NE~'!BELESS I to aJ.1 restrictions I :E:e5ervations, conditions, covenants, easements and rights of way of prior :eaoxd. BE:ING the same prem.i.ses whi~ Todd L or" Duncan I aingle person, and The Homestead Group, Inc'r a Pennsl'lvania Cozpcrat1ohl :by cleed dated. Novembe~ 14, 2001 and recorded Oecember 21. 200l in ~e~l.nd County in Deed Book Volume 249 at Page 3607, granted and conveyed unto James B. Buffington and V~cki J. Buffington, his wife, BEING KNOWN AS 719 SINCLAIR ROAD, MECHANICSBURG, PA 17055 PARCEL #42-10-0644-008. (") (~-- 1"-:> c:::;;;:t- c:...:> <:J\ (/) 1"'1 ....'0 ~ C..J1 :?....n r11S I (;? -1:j ;.'; "~.h'l , ) ':-:.-\ '""r'~:.- rj,) :< --,t .,;J.~_ 1''''- .... O!; - ~f"J.{ Clu<L l~ PROOF OF PUBLICATION State of Pennsylvania, County of Cumberland Tammy Shoemaker, Classified Advertising Manager, of The Sentinel, of the County and State aforesaid, being duly sworn, deposes and says that THE SENTINEL, a newspaper of general circulation in the Borough of Carlisle, County and State aforesaid, was established December 13th, 1881, since which date THE SENTINEL has been regularly issued in said County, and that the printed notice or publication attached hereto is exactly the same as was printed and published in the regular editions and issues of THE SENTINEL on the following day(s) September 29, 2005 COPY OF NOTICE OF PUBLICATION NonCE OF ACTION IN MORTGAGE FORECLOSURE IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION. LAW NO. 05.384 . CIVIL TERM KEY BANK, USA, N.A., PLAINTIFF vs. JAMES H. BUFFINGTON and VICKI J. BUFFINGTON, DEFENDANTS !iQ]]g Affiant further deposes that he/ she is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statement as to time, place and character of :;;;~~~f- TO: JAMES H. BUFFINGTON tIQIIl;g Qf SHERIFF'S llA!J1 Qf MAl. PROPERTY Your house (real estate) at ill SINCLAIR.B.Q&. MECHANICSBURG ea.~. Is scheduled to be sold at Sheriff's Sale on DECEMBER L. 2QQ5.at ~ A..M... in the Cumbertand County Courthouse, 1 Courthouse Square, Carlisle. PA 17013. to enforce the court judgement of $144,553.48. obtained by KEY BANK, USA, N.A. (mortgagee). against you. ATe piece or parcel of land situated in Upper Allen Township, Cumberland County, PA. Beg....ning at a point in the center of the public township road leading from the WIUlams Grove Road to Trindle Springs, which said point is S 74030' W, 459 teet from the Intersection of the center line of the Williams Grove Road with the center line of the public township road, afo(ementloned; thence along the tine of lands tormerty of George Weir Strock a.nd Rhoda Pt. Strock, his wife, nJ\ of McGuire, S 150 , 30- E, 211.40 feet to a point in the N right of way line of the PA Turnpike, N 8]0 54' 30" W, 110 teet to a point in said right of way line; thence ak>ngthe line of land tormer\y of George Weir Strock and Rhoda A. Strock. hi wite, nlf of Lee A. Bitler and ' Mary B1U&r; his wife, N 15030' W, Ila.4Ofeet to a point In the center of the publiC township road aforesaid; thence along the center line of said road, N 740 30'~, 105 . feet.to a point at,..-P'aC8 oj begiftning. Sworn to and subscribed before me this 30th. day of September, 2002. C'-Iu A j bJ.Cl } 'f!. (j)~L- Notary blic A Schedule of Distribution will be filed by the Sheriff on a date specified by the Sheriff not later than thirty (3D) days atter sale. Distribution will be made in accordance with \ the 8chedule unless expectations are filed thereto within 10 days after the filing of I - / /c th. sch.dol,.. M .. . q I 0 () .. , y cornnusslOn eXpIreS: 0 YOU SHOULD TAKE l'H1S PAPER TO VOUR LAWVER AT ONCE. IF VOU DO NOT I HAVE A LAWYER OR CANNOT AFFORO ONE, GO TO OR TELEPHONE THE OFFICE L18TED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORO STREET CARLISLE, PA 17013 TELEPHONE: (717)241-3166 (800)990-9108 COMMONWEALTH OF PENNSYLVANIA NoIarial Seal Chnstina L. Wolfe, NolaI)' Public Callisle BOlO, eurnt:..<1aIKl CoonIy My Comm"- Expires Sept 1, 2008 Member. Pennsylvania Association Ot Notaries Gregory Javardlan, Esquire 1310 Industrial Boulevard 18t Floor, SuRe 101 Southampton, PA 18966 (215) 942.9690 Atlomey for Plaintiff PROOF OF PUBLICA nON OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16,1929), P. L.l784 COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND ss. 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 September 30, 2005 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. .---- , Editor RN TO AND SUBSCRIBED before me this 30 day of September. 2005 NOT ARt L SEAL LOIS E. SNYDER, Notary Public Carlisle BOlO, Cumtrerland County My Commission Expires March 5. 2009 CUMBERLAND LAW JOURNAL NOTICE OF ACTION IN MORTGAGE FORECLOSURE In the Court of Common Pleas of Cumberland County, Pennsylvania Civil Action-Law No. 05-384 Civil Term KEY BANK, USA, N.A., PLAINTIFF vs. JAMES H. BUFFINGTON and VICKI J. BUFFINGTON, DEFENDANTS NOTICE TO: JAMES H. BUFFINGTON NOTICE OF SHERIFF'S SALE OF REAL PROPERlY Your house (real estate) at 719 SIN- CLAIR ROAD, MECHANICSBURG, PA 17055, is scheduled to be sold at Sheriff's Sale on DECEMBER 7. 2005 at 10:00 A.M., :lJ1 the Cumber- land County Courthouse. 1 Court- house Square. Carlisle. PA 17013. to enforce the court judgment of $144,553.46, obtained by KEY BANK. USA. N.A. (mortgageel, against you. ATe piece or parcel of land sit. in Upper Allen Twp.. Cumberland Co.. PA. Beg. at a pt. in the center of the public twp. rd. leading from the Williams Grove Rd. to Trindle Springs. which sald pt. is S 74" 30' W, 459 ft. from the intersection of the center line of the Williams Grove Rd. with the center line of the pub- lic twp. rd.. aforementioned; thence along the line of lands formerly of George Weir Strock and Rhoda A. Strock. hiS wife. nil of McGuire. S 15030" E, 211.40 ft. to a pt. in the N. right of way line of the PA Turn- pike, N. 870 54' 30" W.. 110 ft. to a pt. in said right of way line: thence along the line of land formerly of George Weir Strock and Rhoda A. Strock. his wife. nlf of Lee A. Bitler and Mary Bitler. his wife, N. 15030' W. 178.40 ft. to a pt. in the center of the public twp. rd. aforesaid; thence along the center line of said rd.. N. 740 30' E. 105 ft. to a pt. at the place of beg. A Schedule of Distribution will be filed by the Sheriff on a date speCified by the Sheriff not later than thirty (30) days after sale. Dis- tribution will be made :In accordance with the schedule unless exceptions are filed thereto within 10 days af- ter the filing of the schedule. YOU SHOULD TAKE THIS PA- PER TO YOUR lAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LIST- ED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNlY BAR ASSOCIATION 32 S. Bedford Street Carlisle, PA 17013 Telephone: (7 I 7) 249-3 I 66 (800) 990-9108 GREGORY JARVARDlAN, ESQUIRE Attorney for Plaintiff 1310 Industrial Boulevard 1 st Floor Suite 101 Southampton. PA 18966 (215) 942-9690 Sept. 30 3 :-:1 CI -., r-., ~J ... m --; GJ --. .. .- , (.,) -, LAW OFFICES OF GREGORY JAVARDIAN By: GREGORY JA V ARDlAN, ESQUIRE IDENTIFICATION NO. 55669 1310 INDUSTRIAL BOULEVARD 1ST FLOOR, SUITE 101 SOUTHAMPTON, PA 18966 (215) 942-9690 KEY BANK, USA, N.A. COURT OF COMMON PLEAS vs. CUMBERLAND COUNTY JAMES R BUFFINGTON VICKI J, BUFFINGTON No.: 05-384 CIVIL TERM CERTIFICATE OF SERVICE GREGORY JA V ARDIAN, ESQUIRE, Attorney for Plaintiff, hereby certifies that service of the Notice of Sheriff's Sale was made by sending a true and correct copy by certified and regular mail to Defendant, James H. Buffington, at P,O. Box 1004, New Kingstown, P A 17072 on September 20,2005 (see copies of proof of mailing attached) in accordance with the Order of Court dated March 30, 2005. This statement is made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. GREGORY JA V ARDIA , ESQUIRE / "- Attorney foi..Bk6ntiff Date: November 2, 2005 71bO 3901 9&49 Ob40 07&b TO: JAMES H. BUFFINGTON P.O. BOX 1004 NEW KINGS;rOWN, PA 17072 SENDER: TEP REFERENCE: buffington,j. 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(/l................C)~ I~i~i ~~g'~~ s: -=5~~~ 0- -v r- iD :t->'=cc~f;? ~I :;;~'E"""'5. 3 '.D r- CD C' _-:7> rn ...., ~ m ~ '" '" v cR " " m o JCCL:'[J .; 5" m 0 () () "0 ~~ ~ga (l) ~ ll) ll) ::. 2- Q. Zl-< ~ 3 ~Q ~ =:J ~ " ~ O. , Q ~ o < n. ~ I --+---- I ! 1 I _L____ I --, , , n <:~; ....' c_~ c::;:.) a' -~ C'=' ,.;;1:- "---~ -( 1 --' o -n ::;.l ~I,:D I ,-__ ........rn _:-SCJ ') )-" -1':-::' ,-^'" """" :~~~~ ~~~ji;-n ...;>- hJ :<. --~ <? LA W,OFFICES OF GREGORY JA V ARDIAN By: GREGORY JA V ARDIAN, ESQUIRE IDENTIFICATION NO. 55669 I310 INDUSTRIAL BOULEVARD 1ST FLOOR, SUITE !OI SOUTHAMPTON, PA 18966 (215) 942-9690 KEY BANK, USA, N.A, COURT OF COMMON PLEAS vs. CUMBERLAND COUNTY JAMES H. BUFFINGTON VICKI J. BUFFINGTON No.: 05-384 CIVIL TERM AFFIDAVIT OF SERVICE PURSUANT TO RULE 3129.1 I hereby certify that I have sent copies of the Notice of Sheriff Sale to the Defendants' certified and regular United States mail and all lien holders or judgment creditors of record as required by Pa.R.C.P. by first class United States mail, postage prepaid, on the date set forth below. (See attached Exhibit "A"). Cumberland County Domestic Relations 13 N. Hanover Street Carlisle, PA 17013 Cumberland County Tax Claim Bureau 1 Courthouse Square Carlisle, PA 17013-3387 Dept. of Public Assistance 33 Westminster Drive, P.O. Box 599 Carlisle, PA 17013-0599 Tenants/Occupants 719 SINCLAIR ROAD MECHANICSBURG, PA 17055 JAMES H. BUFFINGTON P.O, BOX 1004 NEW KINGSTOWN, PA 17072 VICKI J. BUFFINGTON 1129 S. YORK STREET MECHANICSBURG, PA 17055 . PA Department of Public Welfare Bureau of Child Support Enforcement Health and Welfare Building - Room 432 P.O. 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"'_1 '0 U~~ l "b i~ \ j.) ~ \0 ii >i" U'J ,l;l c ~ <ll "C:l "" .~ .g 115 "'...... ~.~ ~ ; t Iii te~~~ i hUll 1 \ i ~ ~ ~'S ~ 000001 \ .< ~ W. Q .!!! " I' "'_rP-<.... 8 ----\1--'\ I ' , \-\~ \~\ - \ \' \ 1\ \, : I !.-J\ \ I .<..;;-1 I \ \ I I I""; \cJ ~ p ~ '" -g dO ,~ G:i ~ U> ~ = '0 :;::>.-<= ~~ g ~:; COC;.----J u..J 0- uQp:::4t=: - ~:;;~~~ ~dU" _r- c.a.......,:=la::~ ~~~g~ ce3~C:;::: 1~~t;6 .-\Q"-___V'J r-- \D '" I 11) o ,.-\ r-- '"" .< p., .. ,,; 0. ~ ~ '" '" ~ OJ o ~ ~ :> ); ~ ~ ,..; :;; '" 5 ~ If> 0- August 30, 2005 NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: ALL PARTIES IN INTEREST AND CLAIMANTS OWNER(S): JAMES H. BUFFINGTON and VICKI J. BUFFINGTON PLAINTIFF/SELLER: KEY BANK, USA, N.A. DEFENDANT(S): JAMES H. BUFFINGTON and VICKI J. BUFFINGTON PROPERTY: 719 SINCLAIR ROAD MECHANICSBURG, PAl 7055 CUMBERLAND C.C.P. NO. 05-384 CIVIL TERM The above captioned property is scheduled to be sold at Sheriffs Sale on DECEMBER 7, 2005 at 10:00 A.M.. in the Cumberland County Courthouse, I Courthouse Square, Carlisle, P A 17013. You may hold ajudgment on the property, which may be extinguished by the sale. You may wish to attend the Sheriff's Sale to protect your interest. A schedule of distribution will be filed by the Sheriff on a date specified by the Sheriff not later than 30 days after sale. Distribution will be made in accordance with the schedule unless exceptions are filed thereto within 10 days after the filing of the schedule. Gregory Javardian, Esquire Law Offices of Gregory Javardian 1310 Industrial Boulevard I st Floor, Suite 10 I Southampton, P A 18966 (215) 942-9690 Co' " :} r-'"' ...~:'I = C-" ...- C:~ ~: Q. I ....l ..... -'C-r< rn~ ~\\:.':J ~:.-~(~ -';', (', <-l.r;J. '~~:-A :s :-< ...,., -1-: o - - Key Bank, USA, N.A. VS James H. Buffington and Vicki J. Buffington The Court of Common Pleas of Cumberland County, Pennsylvania Writ No. 2005-384 Civil Term Valerie Weary, Deputy Sheriff, who being duly sworn according to law, states that on September 20,2005 at 2:27 o'clock PM, she served a true copy of the within Real Estate Writ, Notice of Sheriffs Sale and Description, in the above entitled action, upon the within named defendant, to wit: Vicki 1. Buffington, by making known unto George Ringer, adult in charge for Vicki 1. Buffington, at 1129 South York Street, Mechanicsburg, Cumberland County, Pennsylvania, its contents and at the same time handing to him personally the said true and correct copy of the same. David McKinney, Deputy Sheriff, who being duly sworn according to law, states that on September 27, 2005 at 10:00 0' clock AM, he served a true copy of the within Real Estate Writ, Notice of Sheriffs Sale and Description, in the above entitled action, upon the within named defendant, to wit: James H. Buffington, by posting the premises located at 719 Sinclair Road, Mechanicsburg, Cumberland County, Pennsylvania, with a true and correct copy ofthe Real Estate Writ, Notice of Sheriffs Sale and Description pursuant to order of court, according to law. Ron Hoover, Deputy Sheriff, who being duly sworn according to law, states that on October 12,2005 at 3:33 o'clock P.M., he posted a true copy of the within Real Estate Writ, Notice, Poster and Description, in the above entitled action, upon the property of James H. Buffington and Vicki J. Buffington located at 719 Sinclair Road, Mechanicsburg, Pennsylvania, according to law. R. Thomas Kline, Sheriff, who being duly sworn according to law, states he served the above Real Estate Writ, Notice, Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action to the within named defendant, to wit: James H. Buffington, by regular mail to his last known address of 719 Sinclair Road, Mechanicsburg, P A 17055. This letter was mailed under the date of October 06,2005 and returned to the Sheriffs Office on October 12,2005. R. Thomas Kline, Sheriff, who being duly sworn according to law, states he served the above Real Estate Writ, Notice, Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action to the within named defendant, to wit: Vicki J. Buffington, by regular mail to her last known address of 1129 South York Street, Mechanicsburg, P A 17055. This letter was mailed under the date of October 06, 2005 and never returned to the Sheriffs Office. R. Thomas Kline, Sheriff, who being duly sworn according to law, states this writ is returned STAYED per instructions from Attorney Gregory Javardian. Sheriffs Costs: Docketing Poundage Advertising 30.00 20.58 15.00 Posting Handbills Law Library Prothonotary Mileage Certified Mail Levy Surcharge Posting Postage Law Journal Patriot News Share of Bills 15.00 .50 1.00 28.80 4.42 15.00 30.00 6.00 1.11 485.00 376.49 20.89 $1,049.79 Sworn and subscribed to before me 2005, A.D. r . S-D} .j .', j por J/G.-f, ~-''1/)n'-' (t tI j .>",x:J /;,11 /7 ;looD . ) So A~~:>- . ~~~~4 R. Thomas Kline, Sheriff KEY BANK, USA, N.A. COURT OF COMMON PLEAS vs. CUMBERLAND COUNTY JAMES H. BUFFINGTON VICKI J. BUFFINGTON No.: 05-384 CIVIL TERM AFFIDA VIT PURSUANT TO RULE 3129.1 Plaintiff in the above action sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at 719 SINCLAIR ROAD, MECHANICSBURG. PA 17055: I. Name and address of Owner(s) or reputed Owner(s): Name Last Known Address (if address cannot be reasonably ascertained, please indicate) JAMES H. BUFFINGTON P.O. BOX 1004 NEW KINGSTOWN, PA 17072 (PRESENT WHEREABOUTS ARE UNKNOWN) VICKI J. BUFFINGTON 1129 S. YORK STREET MECHANICSBURG, PA 17055 2. Name and address of Defendant(s) in the judgment: JAMES H. BUFFINGTON P.O. BOX 1004 NEW KINGSTOWN, PA 17072 (PRESENT WHEREABOUTS ARE UNKNOWN) VICKI J. BUFFINGTON 1129 S. YORK STREET MECHANICS BURG, P A 17055 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) None. 4. Name and address oflast recorded holder of every mortgage ofrecord: Name Last Known Address (if address cannot be reasonably ascertaine(l, please indicate) Plaintiff. Beneficial Consumer Discount Company d/b/a Beneficial Mortgage Company ofPA 4910 Carlisle Pike, Suite 104 Mechanicsburg, P A 17050 5. Name and address of every other person who has any record lien on the property: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) None. 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. Name Last Known Address (if address cannot be reasonably ascertained, please indicate) Cumberland County Domestic Relations 13 N. Hanover Street Carlisle, P A 17013 Cumberland County Tax Claim Bureau 1 Courthouse Square Carlisle, PA 17013-3387 Dept. of Public Assistance 33 Westminster Drive, P.O. Box 599 Carlisle, PA 17013-0599 P A Department of Public Welfare Bureau of Child Support Enforcement Health and Welfare Building - Room 432 P.O. Box 2675 Harrisburg, PA 17105-2675 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) Tenants/Occupants 719 SINCLAIR ROAD MECHANICS BURG, PA 17055 I verify that the statements made in this affidavit are true and correct to the best of my knowledge, information and belief. I understand that false statements herein are subject to the penalties of 18 Pa. C.S.A. 4904 relating to unsworn falsification to authorities. August 30, 2005 I LAW OFFICES OF GREGORY JA V ARDIAN By: GREGORY JA V ARDIAN, ESQUIRE IDENTIFICATION NO. 55669 1310 INDUSTRIAL BOULEVARD 1ST FLOOR, SUITE 101 SOUTHAMPTON, P A 18966 (215) 942-9690 KEY BANK, USA, N.A. COURT OF COMMON PLEAS Ys. CUMBERLAND COUNTY JAMES H. BUFFINGTON VICKI J. BUFFINGTON No.: 05-384 CIVIL TERM NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: JAMES H, BUFFINGTON P,O. BOX 1004 NEW KINGSTOWN, PA 17072 VICKI J. BUFFINGTON 1129 S. YORK STREET MECHANICSBURG, PA 17055 Your house (real estate) at 719 SINCLAffi ROAD. MECHANICS BURG. PA 17055, is scheduled to be sold at Sheriffs Sale on DECEMBER 7. 2005 at 10:00 A.M., in the Cumberland County Courthouse, 1 Courthouse Square, Carlisle, PA 17013, to enforce the court judgment of $144,553.46, obtained by KEY BANK, USA, N,A., against you. NOTICE OF OWNER'S RIGHTS YOU MAYBE ABLE TO PREVENT THIS SHERlFF'S SALE To prevent this Sheriffs Sale, you must take immediate action: 1. The sale will be cancelled if you pay to the mortgagee the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay, you may call: (215) 942-9690. 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 10 assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) I YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. I. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (215) 942-9690. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call Gregory Javardian, Esquire at (2 15) 942-9690. 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 the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff. 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. 7 . You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 32 S. BEDFORD STREET CARLISLE, PA 17013 TELEPHONE: (717) 249-3166 (800) 990-9108 I All that ce~taUl piece or pa~eel of land s:ltuate in Opper Ulen Township, Cumberland County, pennsylvania, more particuJ.arly bounded and desoribed as follow5. to wit: BEGINNING at a point in the center of the public township road l.ding from the Williams Grove ROad to Trindle Sprinqs, which said point is South seventy".four degrees thirty minutes no aecoads West (S 74 30' 00" W), a distance of four hundred fift:y-one and no hundredths (459.00) feet from the i:nter:uac:tion of the center line of the WilB.ams Grove Road with the center line of the public Township road, aforementioned; thence a10n9 the line of lands fo~erly of George Weir strock and Rhoda A. strock, his wife" now 01: late of McGuire, South fifteen degrees thirtll'minutes and no seconds East (S 15 30' 00" E) I a distance of two hundred and e1.even ADd forty hundredths '(211. 40) :feet to a point in the Nodhern right of way Une ot the Pennsylvani.a l'urnpike, North ei9'htY-9~V8n degrees fift:y~four minutes and thirty seconds West (N 87 54 I 30" Wl, il. di.stance of one hundred ten and no hundredths (11.0.00) feet, more or less, to a point in said ~i9ht of way line; thence along Che line of land formerly of George Weir Strock and lUl0d6 A. Strock, his wife, now or fOrmlirly of Lee A. Bi t1.er and M;uy Bitler, his wife, North fi.ftee1l. degrees thirty minutes no seconds West (N 15 30 I 00" W), a distance at one hundred seventy-eight and forty hundredths (178.40) feet to a point in the canter of the public Township I:oaa aforesaid; Chenee' along the a.nter line of said road, North sevanty-four "degrees thirty minute.. no seconds Ea5t (N 74 30' 00" &1, a distanc$ of one hlmdred five and no hundredths (105.00) f....t to a point at the, place of BBGINNING. ONDER AND SUBJECT, NEV!$'rHELESS, to aJ.l restr:i.ct.ions, reservat.ions, conditions. covenants, easementa and rights of way of prior record. BEING tb8 same premises whic:;h Todd. L.,. Duncan, single person, and The Homestead Group, Inc. r a Pennsylvania Co2:pcration, by cl.ellld dated November 14. 2001 and r9Corded December 21, 2001 in ~eJ:"land County in Deed BOok Vol'WllEl 249 at Page 3607, granted and conveyed unto James H. BUffington and Vicki J. Buffington, his wife. BEING KNOWN AS 719 SINCLAIR ROAD, MECHANICSBURG, PA 17055 PARCEL #42-10-0644-008. WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYL VANIA) COUNTY OF CUMBERLAND) NO 05-384 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due KEY BANK, USA, N,A. Plainliff(s) From JAMESH. BUFFINGTON, POBOX 1004, NEW KINGSTOWN PA 17072 AND VICKI J. BUFFINGTON, 1129 S. YORK ST., MECHANICSBURG P A 17055. (I) You are directed to levy upon the property of the defendant (s)and to sell REAL ESTATE LOCATE!) AT 719 SfNCLAlRROAD,MECHANICSBURG PA 17055 (SEE LEGAL DESCRIPTON) . (2) 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 issned; (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; (3) Ifproperty 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 $144,553.46 L.L. $.50 Interest FROM 8/29/05 TO DATE OF SALE @ $23.76 PER DIEM Atty's Comm % Due Prothy $1.00 Atty Paid $229.88 Other Costs Plaintiff Paid Date: SEPTEMBER 1, 2005 (J . i:D!L CUR~~} Prothonotary (Seal) By: Deputy REQUESTING PARTY: Name GREORY JA V ARDlAN, ESQ. Address: 1310 INDUSTRIAL BLVD. 1ST FLOOR, SUITE 101 SOUTHAMPTON PA 18966 Attorney for: PLAINTIFF Telephone: (215) 942-9600 Supreme Court ID No. 55669 Real Estate Sale #60 On September 12,2005 the Sherifflevied upon the defendant's interest in the real property situated in Upper Allen Township, Cumberland County, PA Known and numbered as 719 Sinclair Road, Mechanicsburg, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. ~ ~ ~ ", !}ate: September 12, 2005 C) ~~~l~ Ct . c~ I \. 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 Joseph A. Dennison, being duly sworn according to law, deposes and says: That he 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 812 to 818 Market Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The Patriot- News and The Sunday Patriot-News newspapers of general circulation, printed and published at 812 to 818 Market Street, 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 bem 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/ Metro editions which appeared in the 25th day(s) of October and the 1st and 8th day(s) of November 2005. That neither he 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 he 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 dnly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book "M", Volume 14. Page 317. PUBLICATION COpy ed Defore me this 23rd day ofi'<ovember 2005 A.D. Sworn to and NOTARIAL SEAl- Terry L. Russell. Notory Public CHI' 01 Hcrrlsbur . Douphin Coonly / My Commission pires J e 6, 2006 -/~qmber\P.nnsYI. "l~.qel... . MINot.d.. y ;(L~" {4t~/f NOT PUBLIC My commission expires June 6, 2006 . CUMBERLAND COUNTY SHER1FFS OFFICE CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA 17013 REAL ESTAtE SALE No. 10 WrIt No. 200&-381 Civil Tenn Key IlanIr, USA, N.A. v. _ H. Buffington snd VIcId J. Buffington AtIy: Gnogooy JIIVIIRIIsn DESCIIIP110N AlL TIIAT CFRrAlN piece '" p.utcl of land situa.. in Upper AUen rownship. CUmberland County, -.ylvania...... particularly bounded and described as follows.towit BEGINNING at a point: in the center of the public towDsbip road leading from tbe Willimns Grove Road to 1nndle Springs. which said point is Soulh sevellly four "'- lbiny minutes no seconds West (S 74 dog. 30 min. 00 sec. W), a distance of four hundred fifty one and no hundredlhs (45900) feet fmmthe _ of the """" line of the Willimns Grove Road with tbe """" line of tbe public ThwnsIIip road. ~;-'aloagthelineoflaods fOOllt1ly of GeoIle Wek Strod and Rhoda A. SlroCk. bis wife. now or late of MCGuire, South -......lIlil)' ......and no seconds Eost (Its..... -........IIh.......~ .....-.... -....,....... ~1,40) loll..... ill"'" .......lifItHi-wq_1Il the~~___ ..... fifty four minutes and lbiny _ 'Wm (II fi*g. 54 min. 30 sec. W), a _ of1llle h1lIaIrcdlalandnoh_(llOOO)feet,_ '" \ess.1n a point in saidri&h<....-way line; thence aJnng the line of land _Iy of Geooge Wek Strock and Rhoda A.Saroct. bis wife. now or fOOllt1ly of Lee A. BitIe1 and Mal)' Biller. 1m wife.llorth lifteeo lIegrees lbiny minDtea no seconds W", (N 15 <leg. 30 min. 00 sec. W). a dislanceofooeh1llalrcdseveolyeight..d~ hundredlhs078AO)feetlnapointintheceD/erof the public Townahip road afuteaaid; thence aloog the center line of said road, North seventy four degrees lbiny minutes no seconds Eost(N 74 <leg. 30 min. 00 seeE), a distance of one hundred five and no hun-dredtbs (I05'oo) fed to a point at the place of BEGINNING. . UNIlllR AND SUBJECr, ..'e....heless, In all restrictions. reservations. conditions. covenantS, .-andrightllofwayofpriocrecord. BEING the same"p<emises which rodd L. Duncan. siogle penon. and The Homestead Group, Inc., al'elmsylvanin CorporatiOll, IiY deed _lIovember 14.2001 andlV>COllledDe<emher 21.2001 in Cumllellahd County in 1Je<d Book Volume 249 at Page 3ffJ1 , gr.mted and COllveyed _1_H.BuflingtonandV~kil.BulfiogtOll. Imwife. BEING KNOWN .. 719 SioelaiJ Road. ~... '.d I,PAI10S5. PAIlCIlI.~.-. PROOF OF PUBLICATION OF NOTlCJi; 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, V1Z: October 14,21,28,2005 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. I' Li"~l~Eg ~. swbto AND SUBSCRIBED before me this 28 day of October, 2005 ~A'J)L. k~nv . .... .. Notary':';" 1 . .." ,.' ... .~,._,'~' I , P" , I,.:;C,'; REAL ESTATE SALE NO. 60 Wrtt No. 2005-384 Civli Key Bank. USA, N.A. ys. James H. Buffington and Vicki J. Buffington Atty.: Gregory Javardian All that certain piece or parcel of land sUuate in Upper Allen Town- ship, Cumberland County, Pennsyl- vania. more particularly bounded and described as follows, to wit: BEGINNING at a point in the cen~ ter of the public township road lead- ing from the Williams Grove Road to Trindle Springs, which said point is South seventy-four degrees thirty minutes no seconds West (S 74 30' 00" W), a distance of four hundred fifty-one and no hundredths (459- .aO) feet from the intersection of the center line of the Williams Grove Road with the center line of the public Township road, aforemen- tioned; thence along the line oflands fonnerly of George Weir Strock and Rhoda A. Strock, his wife. now or late of McGuire, South fifteen de- grees thirty minutes and no seconds East (S 15 30' 00" E), a distance of two hundred and eleven and forty hundredths (211.40) feet to a point in the Northern right of way line of the Pennsylvania Turnpike, North elghty~seven degrees fifty-four min- utes and thirty seconds West (N 87 54' 30" W), a distance of one hUn- dred ten and no hundredths (110- .OO) feet, more or less, to a point in said right of way line; thence along the line of land formerly of George Weir Strock and Rhoda A. Strock, his wife, now or formerly of Lee A. Bitler and Mary Bitler. his wife, North fifteen degrees thirty minutes no seconds West (N 15 30' 00" W), a distance of one hundred seventy- eight and forty hundredths (J 78.40) feet to a point in the center of the public Township road aforesaid; thence along the center line of said road, North seventy-four degrees thirty minutes no seconds East (N 74 30' 00" E), a distance of one hundred five and no hundredths (105.00) feet to a point at the place of BEGINNING. UNDER AND SUBJECf. NEVER- TIiELESS, to all restrictions, reser- vations. condiUons, covenants, ease- ments and rights of way of prior record. BEING the same premises which Todd L. Duncan, single person, and The Homestead Group, Inc., a Penn- sylvania Corporation, by deed dated November 14, 2001 and recorded December 21, 2001 in Cumberland County in Deed Book Volume 249 at Page 3607, granted and conveyed unto James H. Buffington and Vicki J. Buffington, his wife. BEING KNOWN AS 7]9 SIN- CLAIR ROAD, MECHANICSBURG. PA 17055. PARCEL #42-10-0644-008. COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND KEY BANK, USA, NA COURT OF COMMON PLEAS vs. CUMBERLAND COUNTY JAMES H. BUFFINGTON VICKI J. BUFFINGTON No.: 05-384 CIVIL TERM PRAECIPE FOR WRIT OF EXECUTION MORTGAGE FORECLOSURE TO THE PROTHONOTARY: Kindly issue Writ of Execution in the above matter. Amount Due $144,553.46 Interest from 8/29/05 to Date of Sale @ $23.76 per diem $ $ Subtotal (Costs to be added) AV IAN, ESQUIRE Attome r Plaintiff LD. #5 669 13 I 0 Industrial Boulevard I st Floor, Suite 10 I Southampton, P A 18966 (215) 942-9690 7d ~. \ - - ~ -... <iI<i: -4:...t::: ~ ~~ }.) II)...Q. V1 -;<;;) -:- -:- :J::: -:- II\. . . '. . p ~ - -' ~ %gB~Q c.1: 1:'6 \ \ ' \ \ \ \ \ _ ~-cJ __ :: - vr \)---. ::: ~ '";; \" .\ :. :. - - - :. : fjp .F --" :..~~} ~ -,...,- \"~ -', c::J ~~ ~ ().f - W :..+- :! C> ~ ~-.J:: (,.J 't,-~ \) ~. ::.{- \J t p.) v) - - "" /~----- " All that certaUl piece or parcel of land situate in Opper Ulen Township, Cumberland County, pennsylvania, more particuJ.az:"ly bounded and desoribed as follow6, to wit: BEGINNING at a point in the center of the public township road l.ding from the Williams Grove ROad to Trindle Sprinqll, which said point is South seventy".four degrees thirty minutes 0"0 aQconds West (S 74 30' 00" W), a distance of four hundr~d fift:y-nine and no hl1ndz:edths (459.00) feet from the intersection of the center line of the Williams Grove Road with the center line of the public Township read, aforementioned; thence aloD9 the line of lands fo~erly of George Weir strock and Rhoda A. strock, his wife" now 01: late of McGuire, South fifteen degrees thirtll'minutes and no seoonds East (S 15 30' 00" E) I a distance of two hundred and eleven and forty hundredths (211.40) feet to a point in the Nor~rn riqht of way line of the Pennsylvania TUrnpike, North eiqhty-s"'vlim deqrees fifty:-tour lIlinutes and thirty seconds West (N 87 54' 30" W), a distance of one hundred ten and no hundredths (110.00) feet, moz:"e or less, to & point ih said right of way line; thence al.ong the line of land formerly of George Wei.r strock aDd lllioda A. Strock, his wife, now or fOXU1lirly of Lee A. 8i t1er and MaJ:y ~i tIer, his wife, North fi.fteen degrees thirty minutes no seconds West (N 15 30' 00" W), a distance of one hundred seventy-eight and fortY hundredths (178.40) feet to a point in the centar of the publiC! Township I:caa aforesaid; thence along the center line of said road, North sevanty-four "daqrees thirty minutes no second!;! East (N 74 30' 00" El, a distance of one hundred five and no hundredths (105.00) feet to a point at the,p1ace of BEGINNING. ONDER AND SUBJECT, NEVEP.TB:ELESS I to all res tr:ictionsl reservations r conditions, covenants, easements and rights of way of prior record. ~EING the same premi!;!es whic;h Todd L,"" Duncan, eingle person, and The Homestead Group, Inc., a Pennsylvania Coz:poratiol1, by dead dated November 14, 2001 and r9Corded December 21, 2001 in Cumberland County in Deed Book Volume 249 at Page 3607, granted and conveyed unto James H. Buffington and Vicki J. Buffington, his wife. BEING KNOWN AS 719 SINCLAIR ROAD, MECHANICSBURG, PA 17055 PARCEL #42-10-0644-008. WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 05-384 Civil CIVIL ACTION -. LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due KEY BANK, USA, N.A., Plaintiff (s) From JAMES H. BUFFINGTON AND VICKI J. BUFFINGTON (I) You are directed to levy upon the property of the defendant(s)and to sell SEE LEGAL DESCRIPTION. (2) 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; (3) 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 $144,553.46 LL Interest FROM 8/29/05 TO DATE OF SALE @ $23.76 PER DIEM Atty's Comm % Due Prothy $1.00 Atty Paid $1292.17 Plaintiffpaid Date: FEBRUARY 23, 2006 Other Costs CURTIS R. LONG (Seal) ProthOZ' "'--..R ),. a-.. . _P 7fV?/VtI..r- Deputy REQUESTING PARTY: Name GREGORY JA V ARDlAN, ESQUIRE Address: 1310 INDUSTRIAL BOULEVARD 1 ST FLOOR, SUITE 101 SOUTHAMPTON, PA 18966 Attorney for: PLAINTIFF Telephone: 215-942-9690 Supreme Court ID No. 55669 UNITED STATES BANKRUPTCY COURT FOR THE MIDDLE DISTRICT OF PENNSYLVANIA IN RE: Vicky J. Buffington ' CHAPTER 7 Debtor(s). MTGLQ Investors, L.P. Movant, BANKRUPTCY CASE NUMBER 05-bk-09032/MDF v. Vicky 1. Buffington Debtor(s), I I U.S.c. S 362 Leon P. Haller, Trustee, Additional Respondent(s). ORDER AND NOW, at the Middle District of Pennsylvania, upon the failure of Debtor(s) to file an answer, appear or otherwise respond to the Motion of thc above Movant for Relief from the Automatic Stay, and for good cause shown, it is hereby ORDERED AND DECREED that thc Automatic Stay of all proceedings, as provided under section 362 of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (The Code) II, U.S.c. 362, is lifted to allow Movant to proceed with, or to resume proceedings in Mortgage Foreclosure, including, but not limited to Sheriffs or Marshal's Sale of 719 Sinclair Road, Meehanicsburg, PA 17055 (the "Mortgaged Premises"); and to take action, by suit or otherwise as permitted by law, in its own name or the names of its assignee, to obtain possession of the Mortgaged Premises. By th~ ("ourt, ThiS electlDNlC order is signed and filed on the same date. Dated: January 10, 2006 KEY HANK, USA, N.A. COURT OF COMMON PLEAS vs. CUMBERLAND COUNTY JAMES H. BUFFINGTON VICKI 1. BUFFINGTON No.: 05-384 CIVIL TERM AFFIDAVIT PURSUANT TO RULE 3129.1 Plaintiff in the above action sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at 719 SINCLAIR ROAD. MECHANICSBURG. PA 17055: 1. Name and address of Owner(s) or reputed Owner(s): Name Last Known Address (if address cannot be reasonably ascertained, please indicate) JAMES H. BUFFINGTON P.O. BOX 1004 NEW KINGSTOWN, PA 17072 (PRESENT WHEREABOUTS ARE UNKNOWN) VICKI J. BUFFINGTON 1129 S. YORK STREET MECHANICSBURG, PA 17055 2. Name and address of Defendant(s) in the judgment: JAMES H. BUFFINGTON P.O. BOX 1004 NEW KINGSTOWN, PA 17072 (PRESENT WHEREABOUTS ARE UNKNOWN) VICKI J. BUFFINGTON 1129 S. YORK STREET MECHANICSBURG, P A 17055 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) None. 4. Name and address of last recorded holder of every mortgage of record: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) Plaintiff. Beneficial Consumer Discount Company d/b/a Beneficial Mortgage Company of P A 4910 Carlisle Pike, Suite 104 Mechanicsburg, P A 17050 5. Name and address of every other person who has any record lien on the property: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) None. 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. Name Last Known Address (if address cannot be reasonably ascertained, please indicate) Cumberland County Domestic Relations 13 N. Hanover Street Carlisle, P A 17013 Cumberland County Tax Claim Bureau I Courthouse Square Carlisle, PA 17013-3387 Dept. of Public Assistance 33 Westminster Drive, P.O. Box 599 Carlisle, P A 17013-0599 PA Department of Public Welfare Bureau of Child Support Enforcement Health and Welfare Building - Room 432 P.O. Box 2675 Harrisburg, PA 17105-2675 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) T enants/Occupants 719 SINCLAIR ROAD MECHANICSBURG, PA 17055 I verify that the statements made in this affidavit are true and correct to the best of my knowledge, information and belief. I understand that false statements herein are subject to the penalties of 18 Pa. C.S.A. 4904 relating to unsworn falsification to authorities. GREGO Attorne February 17,2006 n ( -q P'J LV ~,) WJ ::::f f'i'i 1-:-;:; <:. ~ ~.~:; -< ~ , LAW OFFICES OF GREGORY JA V ARDIAN By: GREGORY JAVARDlAN, ESQUIRE !DENTIFICA TION NO. 55669 ]310 INDUSTRIAL BOULEVARD 1ST FLOOR, SUITE 101 SOUTHAMPTON, PA 18966 (215) 942-9690 KEY BANK, USA, NA COURT OF COMMON PLEAS vs. CUMBERLAND COUNTY JAMES H. BUFFINGTON VICKI J. BUFFINGTON No.: 05-384 CIVIL TERM NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: JAMES H. BUFFINGTON P.O. BOX 1004 NEW KINGSTOWN, PA 17072 VICKI J. BUFFINGTON 1129 S. YORK STREET MECHANICSBURG, PA 17055 Your house (real estate) at 719 SINCLAIR ROAD, MECHANICSBURG, PA 17055, is scheduled to be sold at Sheriff's Sale on JUNE 7, 2006 at 10:00 A.M., in the Cumberland County Courthouse, I Courthouse Square, Carlisle, PA 17013, to enforce the court judgment of $144,553.46, obtained by KEY BANK, USA, N.A., against you. NOTICE OF OWNER'S RIGHTS YOU MAYBE 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 the mortgagee the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay, you may call: (215) 942-9690. 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 page two 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. I. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (215) 942-9690. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call Gregory Javardian, Esquire at (2 I 5) 942-9690. 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 the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff. 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. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIA nON 32 S. BEDFORD STREET CARLISLE, PA 17013 TELEPHONE: (717) 249-3166 (800) 990-9108 All that ce~tain piece or parc6~ of land situate in Opper Ulen Township, Cumberland County, pennsylvania, more particuJ.arly bounded and desoribed as follow5, to wit: BEGINNING at a point in the center of the public township road lil(ading from the Williams Grove ROad to 'rrindle Springs, which said point is South seventy".four degrees thirty minutes no aeconds West IS 74 30' 00" W), a distance of four hundred fift:y-nine and no hundredths (459.00) feet from the intersection of the center line of the Williams Grove Road with the center line of the public Township road, aforementioned; thence aloU9 the line of lands fo~erly of George Wair Strock and Rhoda A. strock, his wife" now 01: late of McGuire, South fifteen degrees thirtll' minutes and no seconl:ls Z.lst (S 15 30' 00" E), a distance of two hundred and eleven aDd forty hundradths , (211.40) .feat to a point in the NortheX"n right of way Une of the Pennsylvania Turnpike, No:th ai9hty-s~an degrees f:l.ft)':-four lIluutes and thirty seconds West (N 87 54 r 30" W), a distance of oDe hundz:ed ten and no hundredths (110.00) feet, more oX" less, to a point in said right of Vlay line; thence along the line o;f land fOJ:1llerly of Georse Weir Strock aDd lUloda A. StrocJc, his wife, now 0:: formerly of Lee A. Bitler and Mary lSiUer, his wue, North fi.ft.een ciegreElI~ thirty minutes no seoonds West (N 15 30' 00" 1'9'), a distance of one huncb:ed sev..nty-eight and forty hundredth. (178.40) feet to a po:i.nt: ill the cantar of the p~lic Township road aforesaid; thence' alonq the center line of said J:o~d, North seventy-four 'degrees th;b'ty minutea no secondlJ ZalJt (N 74 30' 00" El, a distance of one hund:red five and no hundredths (105.00) feat to a point a.t the place of BEGINNING. ' ONDER AND SUBJECT, NEVEP.!rBELESS, to ;a.J.l restrictiona, reservations, conditions, covenants, easements and rights of way of prior reoord. BEING the same pl:emises whic;h Todd L~" Duncan, .ingle person, and The Homestead Group, Inc'r a Pennsylvania Corporation, ~ deed dated November 14, 2001 and J:9Corded December 21, 2001 in Cumberland County in Deed Book Volume 249 at Page 3607, granted and conveyed unto James H. Buffin<;Jton and Vic1ti. J. Buffington, his wife. BEING KNOWN AS 719 SINCLAIR ROAD, MECHANICSBURG, PA 17055 PARCEL #42-10-0644-008. .----- -:~\ l" t-..> i'-~ Go ,", ," c'" (.-", - ~ OS" - 2,P '-I Cl~L~02-~ PROOF OF PUBLICATION State of Pennsylvania, County of Cumberland Tammv Shoemaker, Classified Advertising Manager, of The Sentinel, of the County and State aforesaid, being duly sworn, deposes and says that THE SENTINEL, a newspaper of general circulation in the Borough of Carlisle, County and State aforesaid, was established December 13th, 1881, since which date THE SENTINEL has been regularly issued in said County, and that the printed notice or publication attached hereto is exactly the same as was printed and published in the regular editions and issues of THE SENTINEL on the following day(s) March 10, 2006 COPY OF NOTICE OF PUBLICATION NOTICE OF ACTION IN. MORTGAGE FORECLOSURE IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW NO. 05-384 CIVIL TERM KEY BANK, USA, N.A., PLAINTIFF vs. JAMES H. BUFfiNGTON and VICKI J. BUFFINGTON, DEFENDANTS NOTICE TO: JAMES H. BUFFINGTON, DEFENDANT ~ OF SHERIFF'S llAil OF REAL PROPERTY Your house (real estate) at ill SINCLAIR B.QAQ.. MECHAN1CSBURG PA ~ is scheduled to be sold at Sheriff's Safe on 4!J.Nf. z.. 22Q6. at 1.Q..;QQ. AM.." in the Cumberland County Courthouse, 1 Courthouse Square, Carlisle, PI'. 17013, to enforce the court judgement of $144,553.46. obtained by KEY BANK, USA. N.A. (mortgagee), against you. ATC piece or parcel of land situated In Upper Allen Township, Gumberla.nd County, I PA. Beginning at a point in the center of the public township road leading from the Wmlams Grove Road to Trilldle Springs, which said point Is S 74" 30' W, 459 feet from the Intersection of the center line of the Williams Grove Road with the center line of the pUblic township road, aforementioned; thence along the line of lands formerly of George WeIr StrocK and Rhoda A. StrOCK, his wife, nil of McGUire, S 15" 1 30" E, 211.40 feet to a point in the N right of way line of the PA Turnpike,N 87" 54' I 30" W., 110 feet to a point in said right of way line; thence along the line of land II formerly of George WeIr StrocK and Rhoda A. StroCK, his wife, nlf 01 lee A. Bitler and Mary Bitler, his wife, N 15" 30' W, 178.40 feet to a point in the center of the public township road aforesaid; thence along the center line of said road; N 74" 30' E, 1051e8\to a point at the place of beginning. A Schedule of Distribution will be filed by the Sheriff on a date speCified by the Sheriff not later than thirty (3D) days after sale. Distribution will be made in accordance with the schedule unless exceptions are filed thereto within 10 days after the filing of the schedule. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER DR CANNOT AFFORD ONE, GO TO DR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY SAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 11013 TELEPHONE: (71T) 2411-3166 (800) 890-8108 GREGORY JAVARDIAN ATTORNEY FOR "LAINnFF THE LAW OFFICES OF GREGORY JAVARDIAN 1310 Industrial Boulevard ht Floor, Suite 101 Southampton, PA 18988 215-942-9690 Affiant further deposes that he/ she is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statement as to time, place and character of :i:tf\~ Sworn to and subscribed before me this 15th. day of March2006. GJUdtL,1-2t !2 !J)O(4 Notary PuMllc My commission expires: 1 II jO! COMMONWEALTH OF PENNSYLVANIA _Seal Chnslina L Wolfe, Notary Public ca~isIe Boro, Cui11bel1and Coonty My Commlsob1 Expires Sept 1, 2008 Member. PennsylvMt'\ Af';50cmtion Of Notaries , PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16,1929), P. L.I 784 COMMONWEALTH OF PENNSYL VANIA 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 lcgal 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 March 17, 2006 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. o AND SUBSCRIBED before me this day of March, 2006 ~~~'4) L): .:J/n1r!.,r/}) lC'~ r- N(::~,~,'.::;~~iR<,.,-,jCiAL P!~hljc I ,.,' '" ' I . \. ''',' ,......- "" : I Car1!i:.::- l,un1t!(O;'<fll' c;oun,y . ; :v'" c,..: ~.. -.cc t',;i,'lr(;' ,:. ~J{P i.~",.,...""""""^"._."",_",.~.,.."=",~..,_..___""_"..".,,,,,,...._,,. t CUMBERLAND LAW JOURNAL NOTICE OF ACTION IN MORTGAGE FORECLOSURE In the Court of Common Pleas of Cumberland County, Pennsylvania Civil Action-Law NO. 05-384 CIVIL TERM KEY BANK. USA, N.A.. PLAINTIFF vs. JAMES H. BUFFINGTON and VICKI J. BUFFINGTON. DEFENDANTS NOTICE TO: JAMES H. BUFFINGTON. DE- FENDANT NOTICE OF SHERlFF.S SALE OF REAL PROPERTY Your house {real estate) at 719 SINCLAIR ROAD. MECHANICS- BURG. PA 17055, is scheduled to be sold at Sheriffs Sale on JUNE 7, 2006 at 10:00 AM.. in the Cumber- land County Courthouse. 1 Court- house Square, Carlisle, PA 17013, to enforce the court judgment of $144.553.46. obtained by KEY BANK. USA. N.A. (mortgagee) against you. ATC piece or parcel of land sit. in Upper Allen Twp., Cumberland Co., PA. Beg. at a pi. in the center of the public twp. rd. leading from the Wil- liams Grove Rd. to Trindle Springs. which said pt. is S 74(> 30' W. 459 ft. from the intersection of the cen- ter line of the Williams Grove Rd. with the center line of the public twp. rd., aforementioned: thence along the line of lands formerly of George Weir Strock and Rhoda A. Strock, his wife, nIl of McGuire, S 15030" E, 211.40 ft. to a pt. in the N. right of way line of the PA Turn- pike. N. 870 54' 30" W.. 110 [t. to apt. in said right of way line; thence along the line of land formerly of George Weir Strock and Rhoda A. Strock, his wife. nlf of Lee A. Bitler and Mary Bitler, his wife, N. 15030' W, 178.40 ft. to a pC in the center of the public twp. rd. aforesaid' thence along the center line of said rd., N. 740 30' E, 105 it. to a pt. at the place of beg. A Schedule of Distribution will be filed by the Sheriff on a date specified by the Sheriff not later than thirty (30) days after sale. Dis- tribution will be made in accordance with the schedule unless exceptions are flied thereto within 10 days af- ter the filing of the schedule. YOU SHOULD TAKE THIS PA- PER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE. GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HE!..? CUMBERLAND COUN"lY BAR ASSOCIATION 32 S. Bedford street Carlisle, PA 17013 Telephone: [717) 249-3166 [8(0) 990-9108 GREGORY JAVARDlAN. ESQUIRE THE LAW OFFICES OF GREGORY JAVARDlAN Attorneys for Plaintiff 1310 Industrial Boulevard 1 st Floor Suite 101 Southampton, PA 18966[2 I 5) 942-9690 Mar. 17 5 LAW OFFICES OF GREGORY JA V ARDIAN By: GREGORY JA V ARDIAN, ESQUIRE IDENTIFiCATION NO. 55669 1310 INDUSTRIAL BOULEVARD 1ST FLOOR, SUITE 101 SOUTHAMPTON, PA 18966 (215) 942-9690 KEY BANK, USA, N.A. 2 GATEHALL DRIVE PARSIPPANY, NJ 07054 COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. No.: 05-384 CIVIL TERM JAMES H. BUFFINGTON VICKI J. BUFFINGTON 719 SINCLAIR ROAD MECHANICSBURG, PA 17055 PRAECIPE TO MARK JUDGMENT TO USE PLAINTIFF ~/ TO THE PROTHONOTARY: Kindly mark the Judgment to Use Plaintiff, MTGLQ INVESTORS, LP, relative to the above Date: March 29. 2006 matter. ENTRY OF APPEARANCE TO THE PROTHONOTARY: Kindly enter my appearance on behalf of MTGLQ INVESTORS, LP, Use Plaintiff, c/o Ocwen Loan Servicing, LLC, 1661 Worthington Road, Suite 100, West Palm Beach,. L 33409. GREGORY Attorney f . Date: March 29. 2006 ICJ N -to. f ~ vt \) - w \) r-~'> ~ ~;~::; (--:) - l.~ -n ~ ~ p:J (..:1'" .-\ YJ - '-,- -;;...J \7, ...0 - - '-1:' '. .,~ -- -- .. .f- .-.'.' ,-,-J 0 LAW OFFICES OF GREGORY JA V ARDlAN 'By: GREGORY JA V ARDlAN, ESQUIRE IDENTIFICATION NO. 55669 1310 INDUSTRIAL BOULEVARD 1ST FLOOR, SUITE 101 SOUTHAMPTON, PA 18966 (215) 942-9690 KEY BANK, USA, N.A. COURT OF COMMON PLEAS vs. CUMBERLAND COUNTY JAMES H. BUFFINGTON VICKI J. BUFFINGTON No.: 05-384 CIVIL TERM AFFIDAVIT OF SERVICE PURSUANT TO RULE 3129.1 I hereby certify that I have sent copies of the Notice of Sheriff Sale to the Defendants' certified and regular United States mail and all lien holders or judgment creditors of record as required by Pa.R.C.P. by first class United States mail, postage prepaid, on the date set forth below. (See attached Exhibit "A"). Cumberland County Domestic Relations 13 N. Hanover Street Carlisle, PA 17013 Cumberland County Tax Claim Bureau I Courthouse Square Carlisle, PA 17013-3387 Dept. of Public Assistance 33 Westminster Drive, P.O. Box 599 Carlisle, PA 17013-0599 T enantslOccupants 719 SINCLAIR ROAD MECHANICSBURG, PA 17055 JAMES H. BUFFINGTON P.O. BOX 1004 NEW KINGSTOWN, P A 17072 VICKI J. BUFFINGTON 1129 S. YORK STREET MECHANICSBURG, PA 17055 , PA Department of Public Welfare Bureau of Child Support Enforcement Health and Welfare Building - Room 432 P.O. Box 2675 Harrisburg, PA 17105-2675 Beneficial Consumer Discount Company d/b/a Beneficial Mortgage Company ofPA 4910 Carlisle Pike, Suite 104 Mechanicsburg, P A 17050 Dated: ~~fLII {)(P . ~ ......-_..~ ---- .' . ............. . .....-....-----...------------...----.-........-- ~~~ ~ :It V4 9 . :D c ~g 1] ~ 6 t 0-" 3 ~""~ Rl <Jl ",J.; ~ ~ ~ %. "8 ~9i l .. z ~ tl\~\~ ~ .~ell <IJ . ~ <Jl ~~ - \ I \l f. a- .-l a-ell ~ \ ~ ~ ~ i i ~ ~ 8%~ . . ~ ~ ::; .J) . i ~ i <J.;!. ~ 7.. '! . . ~ 7.. a '"" .-l \P u ~ ~ .... e\ \ --.l g ~ ..., \ ~, 9 ! ~l ~i\\~ ~ :It V4 0 ~ ..,J ~5' Rl"c ~g ~ 6 ~ ,0 ~~~ 3 ~ ~_.c. . c ,Rl<Jl ~ ;% -- ::;(')"8 lil , <.:b() '0 8 g<IJ~ ~ \~ __co~ til~il> Rlii!!!. ~.~.,... \~ 0. .... \€ it \ \ ~ 'ii DO~ ~ - :2 a- .-l ~ \\ ~ ~ " ~ '6S~ So ~ i '& g 'il\ ="" '" " ~~z .J) - ~~~ l '& '& a~~ ~ .. '",,~~ \P ~. )> - ~ --.l \ 0 eft V> a ., II) '! o ~ ?A 11 ~ '! o ~ a- s., S' uo 6 ? 'S .... .~ co " c .\;.~'i ~co~ g G .... 1>> .~ 0. ~ W ..~ ~ () ~ :%. So... 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U~:; E ~ S. ~<r>tJJ r-lr-l~.Q j~ if ~ :;;~.~ '~'~E~ ~slU~ ij':.~~ ~~i-~ Dl:lOClOj -<] q ~ ljj ljj ~ p., ....p..;:r: (l1(l1 :>: t -t---- -- , [ I I II I I \ - ~ " I .Ih '"' ~ I ' '" , c ~ ~ 1+ z2i~;1~ 0) -=cl:Cl..........J C o--,l...L.lc..., "_ O~~3;J lEt d~~:lo ~ ->-00 ~O:;:;:z:o ("{"\ :::;;=----' "-J 3: ~s:~ .,...: ~ oX ,'0 (/) CJ --1 c.::;,......,........ U) I I I I I 1.0 I I I , I I I'" I I , I I I...: iN ..,. " Ul - .. > .. '" t: o t: .. 11. ;: "0 11. " '" - o '" .E .: $ ~ .. 11. {:: >- .Q $ .. 0. E o <> 0- f . '" .~ -~ . o I~ ~ 0; "- I iVl<ll I'~~ ~ I~t~ 0 ;,-glll 1i1_ @},--- I. I~ I!~~ il- ,E'" I;E E' u I~.~ ;I-...J ill, ~ ec " o o '" Co c\~ . "- ....- .... co '" E 5 "- <fJ "- February 17, 2006 NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: ALL PARTIES IN INTEREST AND CLAIMANTS OWNER(S): JAMES H. BUFFINGTON and VICKI J. BUFFINGTON PLAINTIFF ISELLER: KEY BANK, USA, N.A. DEFENDANT(S): JAMES H. BUFFINGTON and VICKI J. BUFFINGTON PROPERTY: 719 SINCLAIR ROAD MECHANICS BURG, PA 17055 CUMBERLAND C.c.P. NO. 05-384 CIVIL TERM The above captioned property is scheduled to be sold at Sheriff's Sale on JUNE 7. 2006 at 10:00 A.M., in the Cumberland County Courthouse, 1 Courthouse Square, Carlisle, PA 17013. You may hold a judgment on the property, which may be extinguished by the sale. You may wish to attend the Sheriff's Sale to protect your interest. A schedule of distribution will be filed by the Sheriff on a date specified by the Sheriff not later than 30 days after sale. Distribution will be made in accordance with the schedule unless exceptions are filed thereto within 10 days after the filing of the schedule. ,:8;;. . ? Greg"" J ""~. Ie",,", Law Offices of Gregory Javardian 1310 Industrial Boulevard 1st Floor, Suite WI Southampton, PA 18966 (215) 942-9690 " ;\ -, -;...- " -' , CJ LAW OFFICES OF GREGORY JA V ARDIAN By: GREGORY JAVARDIAN, ESQUIRE IDENTIFICATION NO. 55669 l310 INDUSTRIAL BOULEV ARD 1ST FLOOR. SUITE 101 SOUTHAMPTON. PA 18966 (215) 942-9690 MTGLQ INVESTORS, L.P., USE PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. No.: 05-384 CIVIl. TERM JAMES H. BUFFINGTON V1CKIJ. BUFFINGTON CERTIFICATE OF SERVICE GREGORY JA V ARDIAN, ESQUIRE, Attorney for Plaintiff, hereby certifies that service of the Notice of Sheriff's Sale was made by sending a true and correct copy by certified and regular mail to Defendant, James H. Buffington, at P.O. Box 1004, New Kingstown, PA 17072 on March 14,2006 (see copies of proof of mailing attached) in accordance with the Order of Court dated March 30, 2005. This statement is made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. Date: April 10,2006 DIAN, ESQUIRE ff , 71bO 3901 9849 245b 9021 TO: JAMES H. BUFFINGTON P.O. BOX 1004 NEW.KINGSTOWN, PA 17072 SENDER: TEP REFERENCE: buffington, j. \ , US Postal Service Receipt for Certified Mail i I I I f No Insurance Coverage Provided ! Do Not Use for International MaW L..___________________..________.nn____.n__ n_n.'.__n___.__.____ . , IOC%1 ,tiu-:\ ',0 $\ 0':1Uo'1 t_ -c.\- \m~\ ,;\~'~.~ iO,1\\ .\cn:u... 1+\ ~,\g %1 IU- ; - \ \~O\ \~S~ \~~\ \0,-\_ I. .1 r~ 0))' \'-:3\ )~~\ 1- , I \ ~-i\ ,- \(a'ii)\ \~:t\ ,. \~~J \~G)\, - \~~\ ~ :;:;" ......,~5\ I'll m:a ".%,\1: \ E t _~ ~ 0\--- -- \-- 1'O:ii:,s ~&:.I ,I ,e-'l:>- .... \ ~ ~ ~ ~ EOI t .,~... 'l) ......0\ U- =-'~~'% 'ani" ~~_~ ~ ~9L-. .__l-- \ <ll \ \ g \ \ '% \ 10- \- i I I, ! n. \ N \ \ <>a_I I li; I I'" \e ~ \ 1 \ It c"" ~ 8~ \, ~ i~~\ ~ 0 .. t sl "' r5 8 ~ Iii g\ 4- ,\ ~ $ o '6 .~ ~ ~ ~ c; ~ ~.~ ~ E g > -- " 0.' 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Ziegler, Recorder of Deeds in and for said County and State do hereby certify that the Sheriffs Deed in which MTGLO investors L P is the grantee the same having been sold to said grantee on the 7th day of June A.D., 2006, under and by virtue of a writ Execution issued on the 23rd day of Februarv, A.D., 2006, out of the Court of Common Pleas of said County as of Civil Term, 2005 Number 384, at the suit ofKev Bank USA N A against James H Buffington & Vicki J is duly recorded in Deed Book No. 275, Page 1882. IN TESTIMONY WHEREOF, I have hereunto set my hand --fI1:-- I of said office this _ d 9 _day of , A.D. 02 O()(;' ecorder of Deeds . of""" CumMdand~. ~'A e.piM hi r:-....., "....1D1O Kay Bank, USA, N.A. VS James H. Buffington and Vicki 1. Buffington In the Court of Common Pleas of Cumberland County, Pennsylvania Writ No. 2005-384 Civil Term Sharon Lantz, Deputy Sheriff, who being duly sworn according to law, states that on March 10,2006 at 9:10 o'clock PM, she served a true copy of the within Real Estate Writ, Notice and Description, in the above entitled action, upon the within named defendant, to wit: James H. Buffington, by posting property at, 719 Sinclair Road, Mechanicsburg, Cumberland County, Pennsylvania, pursuant to Court Order, the said true and correct copy of the same. Sharon Lantz, Deputy Sheriff, who being duly sworn according to law, states that on March 10,2006 at 8:43 o'clock PM, she served a true copy of the within Real Estate Writ, Notice and Description, in the above entitled action, upon the within named defendant, to wit: Vicki J. Buffington, by making known unto Vicki 1. Buffington, personally, at 1129 S. York Street, Mechanicsburg, Cumberland County, Pennsylvania, its contents and at the same time handing to her personally the said true and correct copy of the same. Jessica Hermansen, Deputy Sheriff, who being duly sworn according to law, states that on April 07,2006 at 1:19 o'clock P.M., she posted a true copy of the within Real Estate Writ, Notice, Poster and Description, in the above entitled action, upon the property of James H. Buffington and Vicki J. Buffington located at 719 Sinclair Road, Mechanicsburg, Pennsylvania, according to law. R. Thomas Kline, Sheriff, who being duly sworn according to law, states he served the above Real Estate Writ, Notice, Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action to the within named defendants, to wit: James H. Buffington and Vicki J. Buffington by regular mail to their last known address of P.O. Box 1004, New Kingston, PA 17072 and 1129 South York Street, Mechanicsburg, PA 17055, respectively. These letters were mailed under the date of April 06, 2006 and never returned to the Sheriffs Office. R. Thomas Kline, Sheriff, who being duly sworn according to law, states that after due and legal notice had been given according to law, he exposed the within described premises at public venue or outcry at the Courthouse, Carlisle, Cumberland County, Pennsylvania on June 07, 2006 at 10:00 o'clock A.M. He sold the same for the sum of $1.00 to Attorney Gregory Javardian for MTGLQ Investors L.P. It being the highest bid and best price received for the same, MTGLQ Investors L.P. of 1675 Palm Beach Lakes Boulevard, West Palm Beach, FL 33401, being the buyer in this execution, paid to SheriffR. Thomas Kline the sum of$I,127.73. Sheriffs Costs: Docketing Poundage $30.00 22.11 Posting Bills Advertising Acknowledging Deed Auctioneer Law Library Prothonotary Mileage Certified Mail Levy Surcharge Posting Law Journal Patriot News Share of Bills Distribution of Proceeds Sheriff's Deed 30.00 15.00 15.00 10.00 .50 1.00 23.76 3.09 15.00 30.00 6.00 473.00 369.20 19.57 25.00 39.50 $ / I; ,f"slot. 1,127.73 \r So Answers: r~/~ R. Thomas Kline, Sheriff By(J~~ )W\;:tJ. Real Estate ergeant p~~ (lcJe..., 30 1,'V 1.)0 u~ 5 'f ::>7 f j 1 If 'Ii, 1 n ju...c..... KEY' 'BANK, USA, N.A. COURT OF COMMON PLEAS vs. CUMBERLAND COUNTY JAMES H. BUFFINGTON VICKI J. BUFFINGTON No.: 05-384 CIVIL TERM AFFIDAVIT PURSUANT TO RULE 3129.1 Plaintiff in the above action sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at 719 SINCLAIR ROAD, MECHANICS BURG, PA 17055: 1. Name and address ofOwner(s) or reputed Owner(s): Name Last Known Address (if address cannot be reasonably ascertained, please indicate) JAMES H. BUFFINGTON P.O. BOX 1004 NEW KINGSTOWN, PA 17072 (PRESENT WHEREABOUTS ARE UNKNOWN) VICKI J. BUFFINGTON 1129 S. YORK STREET MECHANICSBURG, P A 17055 2. Name and address of Defendant(s) in the judgment: JAMES H. BUFFINGTON P.O. BOX 1004 NEW KINGSTOWN, PA 17072 (PRESENT WHEREABOUTS ARE UNKNOWN) VICKI J. BUFFINGTON 1129 S. YORK STREET MECHANICSBURG, P A 17055 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) None. 4. Name and address of last recorded holder of every mortgage of record: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) Plaintiff. Beneficial Consumer Discount Company d/b/a Beneficial Mortgage Company of P A 4910 Carlisle Pike, Suite 104 Mechanicsburg, P A 17050 5. Name and address of every other person who has any record lien on the property: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) None. 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. Name Last Known Address (if address cannot be reasonably ascertained, please indicate) Cumberland County Domestic Relations 13 N. Hanover Street Carlisle, P A 17013 Cumberland County Tax Claim Bureau 1 Courthouse Square Carlisle, P A 17013-3387 Dept. of Public Assistance 33 Westminster Drive, P.O. Box 599 Carlisle, P A 17013-0599 PA Department of Public Welfare Bureau of Child Support Enforcement Health and Welfare Building - Room 432 P.O. Box 2675 Harrisburg, PA 17105-2675 7. Name and address of every other person of whom the plaintiff has knowledge who has any , interest in the property which may be affected by the sale: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) Tenants/Occupants 719 SINCLAIR ROAD MECHANICSBURG, P A 17055 I verify that the statements made in this affidavit are true and correct to the best of my knowledge, information and belief. I understand that false statements herein are subject to the penalties of 18 Pa. C.S.A. 4904 relating to unsworn falsification to authorities. GREGO Attorne February 17,2006 LAW OFFICES OF GREGORY JA V ARDIAN By: GREGORY JA V ARDlAN, ESQUIRE . IDENTIFICATION NO. 55669 1310 INDUSTRIAL BOULEVARD 1ST FLOOR, SUITE 101 SOUTHAMPTON, PA 18966 (215) 942-9690 KEY BANK, USA, N.A. COURT OF COMMON PLEAS vs. CUMBERLAND COUNTY JAMES H. BUFFINGTON VICKI 1. BUFFINGTON No.: 05-384 CIVIL TERM NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: JAMES H. BUFFINGTON P.O. BOX 1004 NEW KINGSTOWN, P A 17072 VICKI J. BUFFINGTON 1129 S. YORK STREET MECHANICSBURG, PA 17055 Your house (real estate) at 719 SINCLAIR ROAD, MECHANICSBURG, PA 17055, is scheduled to be sold at Sheriffs Sale on JUNE 7, 2006 at 10:00 A.M., in the Cumberland County Courthouse, 1 Courthouse Square, Carlisle, P A 17013, to enforce the court judgment of $144,553.46, obtained by KEY BANK, USA, N.A., against you. NOTICE OF OWNER'S RIGHTS YOU MAYBE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale, you must take immediate action: L The sale will be cancelled if you pay to the mortgagee the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay, you may call: (215) 942-9690. 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 page two on how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HA VE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (215) 942-9690. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call Gregory Javardian, Esquire at (215) 942-9690. 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 the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff 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 (l0) days. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HA VE 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, P A 17013 TELEPHONE: (717) 249-3166 (800) 990-9108 All that certain piece or parcel of land situate in Opper Ulen Township, Cumberland County, Pennsylvania, more pa.rticuJ.&~ly bouncled and dasoribed as fo1J.ows, to wit: BEGINNING a.t a point: in the center of the pub~ic township road ~ilIjadi.nq from the Wi11iams Grove Road to TrindJ.a Springs, which said poi.nt is South saventy'::'"four degrees t:hirty minutes n.o seconds West (S 74 30' 00" W), a dist.ance of four hundred fift:y-nfne and DO hunch;edths (459.00) feet from the inta:rsQction of the center lina of the Williams Grove Road 141 tb the center line of the public !rownship road, aforementioned; thence aloD9 the line of lands fo~er~y of George Weir strock and Rhoda A. strock, his wife" now OJ: late of McGuire, South fifteen degrees thirty minut:es and no seconds East (S 15 301 00'1 E), a distance of two hundred and e1evGn aDd forty h\U1~8d.ths (211.40) %&et to a point in ~e No~~rn r1ght of W&y ~ine o~ the Pennsylvania Turnpike r North ei9bty-s~an deqreas fit'ty~rour .inut.es and thirty seconds West (N 87 54 f 30n 10, a distance of one hundred ten and no hundredths (110.00) feet, more or less, to a point in said :righ t of way line; thence along the line C)~ land foxmerly of George We.ir Strock aDd Rhoda A. strock, his wife, now ox fOJ:marly of Lee A. Bi.tIer and Ma.l:y Bit.ler, b.i3 wtie, North fi.ftee1\ degreGS i:hirty minutes no seconds West (N 15 30' 00" W), a distance o~ one hundred seventy-eight and for~ hUDdredtha (178.40) feet to a point iQ the cenb:u: of the PW?lie Townsbip road aforesaid; thence' along the C8nt.er J.i.ne of said road, North sevanty-four .degrees thi..ty minutes DO seconds East (N 74 30' 00" E), a distance o~ one b'\lnClred. five and no hundredths (105.00) feet to a point at the. place of BEGINNING. UNDER AND SUBJECT, NEV'El\'rBELESS, to u1 restrict-ions I :reservations, conditions, covenants, easements and rights of way of prior xecoxd. BEING the same preDri.ses whi~ Todd L't., Duncan, single person, and The Homestead Group, Inc. r a Pennsylvania CoJ:Poration, by dead dated Novembe~ 14, 2001 and recorded December 21, 2001 in Cumberland County in Deed Book Vo~uma 249 at Page 3607, g~anted and conveyed unto J~s B. Buffington and Vi.ck.i J. Buffington, his rife. BEING KNOWN AS 719 SINCLAIR ROAD, MECHANICSBURG, PA 17055 PARCEL #42-10-0644-008. WRJT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA). COUNTY OF CUMBERLAND) NO 05-384 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due KEY BANK, USA, N.A., Plaintiff (s) From JAMES H. BUFFINGTON AND VICKI J. BUFFINGTON (1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION. (2) 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; (3) If property of the defendant( s) not levied upon an subj ect 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 $144,553.46 L.L. Interest FROM 8/29/05 TO DATE OF SALE @ $23.76 PER DIEM Atty's Comm % Due Prothy $1.00 Atty Paid $1292.17 Plaintiff Paid Other Costs Date: FEBRUARY 23, 2006 CURTIS R. LONG (Seal) ProthOZ ~: tJA... D Y. 7f0?/?./1.r------ Deputy REQUESTING PARTY: Name GREGORY JA V ARDIAN, ESQUIRE Address: 1310 INDUSTRIAL BOULEVARD 1ST FLOOR, SUITE 101 SOUTHAMPTON, P A 18966 Attorney for: PLAINTIFF Telephone: 215-942-9690 Supreme Court ID No. 55669 /x~ 'I.......~l /l}~~ l'~:::::~'::<: c':"'4'~.~'~ '-.;..1 Real Estate Sale # 62 On March 02, 2006 the Sheriff levied upon the defendant's interest in the real property situated in Upper Allen Township, Cumberland County, P A Known and numbered as 719 Sinclair Road, Mechanicsburg, more fully described on Exhibit "'A" filed with this writ and by this reference incorporated herein. Date: March 02, 2006 By: c(" I }vlLCt Ll Real Estate Sergeant II'Ed . III 91:/ qUOl I I 1'\.;. ! ,;. .' j j I (j ~j{l S (./jf11 - .j ,'::~ t t :1:)1.::1.:10 , 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 Joseph A. Dennison, being duly sworn according to law, deposes and says: That he 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 812 to 818 Market Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The Patriot- News and The Sunday Patriot-News newspapers of general circulation, printed and published at 812 to 818 Market Street, 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 smce; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday! Metro editions which appeared in the 19th and 26th day(s) of April and the 3rd day(s) of May 2006. That neither he 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 he 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. PUBLICATION COPY S ALE #62 Sworn to and su . . CUMBERLAND COUNTY SHERIFF'S OFFICE CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA. 17013 REAL ESTATE SALE No. 62 WrIt No. 2111....... Key .... t8A, N.A. VS James H. BufIIntJlon and VIckI J. BIIIIII1gkHl Attorney Gregory Jav8rdIan DESCRIP110N All TIIAT CEKI'AIN piece or parcel of land situate in Upper ADen Townsbip, Cumberland County, Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNlNG!POint in the center of the public tOwnsbip . leading from the Williams Grove Road to 11" Springs, which said point is South seventy-fOUl'. degrees thirty minutes no seconds West (S 74-30' OO"W), a distanCe of four hUIKkOO fifty-nine and no bundredlbs (459.00) feet from the ~ of the center line of the Williams Grove Road with the center line of the public TOWBSbip road, aforementioned; thence along the line of lands fOIJDerly of GeclIge Weir Strock and Rhoda A. Strock, his wife, now or late of McGuire, South fifteen degrees thirty minutes and no seconds East (8 15 30' OO"E), a distance of two hundred and eleven and forty hundredths (211.40) feet to a point in the Northern right of way line of the Pennsylvauia Turnpike, North eighty-seven degrees fifty-four minutes and thirty seconds West (N 87 54' 3O"W), a distance of one hundred ten and no hundredths (110.00) feet, more or less, to a point in said right of way line; thence along the line of land formerly of GeclIge Weir Strock and Rhoda A. Strock, his wife, now or formerly of Lee A. Bitler and Mary Bitler, his wife, North fifteen degrees thirty minutes no seconds West (N 15 30' OO"W),a distance of one hundred seventy-eight and forty hundredths (178.40) feet to a point in the center of the public Township road aforesaid; theace along the.r line of said road, North seventy-four degrees thirty minutes no secOftlti; East (N 74 30' 00" E), a distance of one hUndred five and no hundredths (105.00) feet to "a point at the place of BEGINNING. . UNDER. AND stJ:B.JECt, nevertheless, to all restrictions, reservations, cOnditioos, covenants, easements and rights of way of prior record. BEING . the same pmnises which Todd L. Duncan, single person, and The Homestead Group, Inc., a P.ennsylvauia Corporation, by deed dated November 14, 2001 and reeorded December 21, 2001 in Cumberland COUnty in Deed Book Volume 249 at Page 3fIJ1, gmated and conveyed unto James Ii BuffiDgton andYleld 1. BuffiBgton, his wife. BEING KNOWS AS: 719 Sinclair Road, }"" '-i. .... PA 170.55 PAllCEL t42--~. 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: April 7, 14,21,2006 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. SWORN TO AND SUBSCRIBED before me this 21 day of April. 2006 ~~ ~nt~~y ~ I NOT/\P'AL SEAL ("lIe: '-"'''/ r- I. . L'N.. t".. ,::.i, D,-R, Notary Public Ie" '.;.f,.' Cu'''ber1and' rOlJnty I ~<,;. \!,),.. I_I:.. V .~ ~ r:.:.:;,,,,.. h'l"rrL) 5 ?OO(\ i,: ',J...,l,e,..:;!\l(;,.vi "'t:-. ~ ~!..,.7",~".,;.I:l""'.f...~l)!f'''''.-.!~~~'~_ REAL ESTATE SALE NO. 62 Writ No. 2005-384 Civil Key Bank, USA, N.A. vs. James H. Buffington and Vicki J. Buffington Atty.: Gregory Javardian All that certain piece or parcel of land situate in Upper Allen Town- ship, Cumberland County, Pennsyl- vania, more particularly bounded and described as follows, to wit: BEGINNING at a point in the cen- ter of the public township road lead- ing from the Williams Grove Road to Trindle Springs, which said point is South seventy-four degrees thirty minutes no seconds West (S 74 30' 00" W), a distance of four hundred fifty-nine and no hundredths (459.00) feet from the intersection of the center line of the Williams Grove Road with the center line of the public Township road, aforemen- tioned; thence along the line oflands formerly of George Weir Strock and Rhoda A. Strock, his wife, now or late of McGuire. South fifteen de- grees thirty minutes and no seconds East (S 15 30' 00" E), a distance of two hundred and eleven and forty hundredths (211.40) feet to a point in the Northern right of way line of the Pennsylvania Turnpike. North eighty-seven degrees fifty-four min- utes and thirty seconds West (N 87 54' 30" W), a distance of one hun- dred ten and no hundredths (110.00) feet, more or less. to a point in said right of way line; thence along the line of land formerly of George Weir Strock and Rhoda A. Strock, his wife, now or formerly of Lee A. Bitler and Mary Bitler, his wife, North fifteen degrees thirty minutes no seconds West (N 15 30' 00" W), a distance of one hundred seventy- eight and forty hundredths (178.40) feet to a point in the center of the public Township road aforesaid; thence. along the center line of said road, North seventy-four degrees thirty minutes no seconds East (N 74 30' 00" E), a distance of one hundred five and no hundredths (105.00) feet to a point at the. place of BEGINNING. UNDER AND SUBJECT, NEVER- THELESS, to all restrictions, res- ervations, conditions, covenants, easements and rights of way of prior record. BEING the same premises which Todd L. Duncan, single person, and The Homestead Group, Inc., a Penn- sylvania Corporation. by deed dated November 14, 2001 and recorded December 21, 2001 in Cumberland County in Deed Book Volume 249 at Page 3607, granted and conveyed unto James H. Buffington and Vicki J. Buffington, his wife. BEING KNOWN AS 719 SIN- CLAIR ROAD. MECHANICSBURG, PA 17055. PARCEL #42-10-0644-008.