HomeMy WebLinkAbout05-0531COMMERCE BANK/HARRISBURG,
N.A.,
Plaintiff,
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY,
PENNSYLVANIA
V.
SARA L. MUNIZ and the UNITED
STATES OF AMERICA,
DOCKET NO. US - -S' I
Defendants.
NOTICE
You have been sued in court. If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after this Complaint and Notice
are served, by entering a written appearance personally or by attorney and filing in writing with
the Court your defenses or objections to the claims set forth against you. You are warned that if
you fail to do so the case may proceed without you and a judgment may be entered against you
by the Court without further notice for any money claimed in the Complaint or for any other
claim or relief requested by the Plaintiff. You may lose money or property or other rights
important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF
YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR
TELEPHONE THE OFFICE SET FORTH BELOW TO FIND WHERE YOU
CAN GET LEGAL HELP.
CUMBERLAND COUNTY BAR ASSOCIATION
LAWYER REFERRAL AND INFORMATION SERVICE
2 Liberty Avenue
Carlisle, PA 17013
(717) 249-3166
AVISO
Le han demandado a usted en la corte. Si usted quieie defenderse de estas demandas
expuestas en las paginas siguientes, usted tiene viente (20) dias de plazo al partir de la fecha de
la demanda y la notificacion, Usted debe presentar Una apariencia escrita o en persoa o por
abogado y archivar en al corte enforma escrita sus defensas o sus objections a las demandas en
contra de su persona. Sea avisado que si usted no se defiende, ]a corte tomara medidas y puede
entrar una Orden contra usted sin previo aviso o notificacion y por cualguier queja o alivio que es
pedido en at peticion de demanda. Usted puede perder dinero o sus propiedades o ostros
derechos importanted para usted.
LLEVE ESTA DEMADA A UN ABOGADO INMEDIATAMENTE, SI NO
TIENE ABOGADO 0 SI NO TIENE EL DINERO SUFICIENTE DE PAGAR
TAL SERVICIO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA
OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA A
VERIGUAR DONDE SE PUEDE COSEGUIR ASISTENCIA LEGAL.
CUMBERLAND COUNTY BAR ASSOCIATION
LAWYER REFERRAL AND INFORMATION SERVICE
2 Liberty Avenue
Carlisle, PA 17013
(717) 249-3166
414437
2
COMMERCE BANK/HARRISBURG,
N.A.,
Plaintiff,
V.
SARA L. MUNIZ and the UNITED
STATES OF AMERICA,
Defendants.
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
DOCKET NO. OS- S`3/ C lu?
COMPLAINT IN MORTGAGE FORECLOSURE
AND NOW, this 18a' day of January, 2005, Plaintiff, COMMERCE
BANK/HARRISBURG, N.A., by and through its attorneys, Mette, Evans & Woodside, files the
following Complaint in Mortgage Foreclosure:
Plaintiff is Commerce Bank/Harrisburg, N.A., a Pennsylvania banking
corporation with offices located at 100 Senate Avenue, Camp Hill, Pennsylvania 17011.
2. Defendant Sara L. Muniz (hereinafter "Defendant Muniz") is an adult
individual with place of business located at 204 South Front Street, Wormleysburg, Pennsylvania
17043.
3. Defendant the United States of America (hereinafter "Defendant USA") at
all times relevant hereto has acted by and through its Department of Treasury - Internal Revenue
Service, with a place of business located at 228 Walnut Street, 6`h Floor, Room 620, Harrisburg,
Pennsylvania 17108, and the Office of the Attorney General, U.S. Department of Justice, Main
Justice Building, 10a' and Constitution Avenue, N.W., Washington, D.C. 20530.
4. By her Promissory Note, dated January 4, 2002 in the original principal
amount of Two Hundred Twenty-Five Thousand Dollars ($225,000.00), Defendant Muniz is
indebted to Plaintiff. A true and correct copy of the Promissory Note is attached hereto as
Exhibit A and made a part hereof (the "Note").
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Defendant Muniz's payment and performance of her obligations under the
Note are secured by, among other things, a second lien and security interest created by a
Mortgage dated January 4, 2002 between Defendant Muniz as Grantor and Plaintiff as Lender
that was recorded on January 7, 2002 in the Office of the Cumberland County Recorder of Deeds
in Mortgage Book 1745 at page 1471. A true and correct copy of the Mortgage is attached
hereto as Exhibit B and made a part hereof (the "Mortgage").
6. The real property subject to the Mortgage is located at and known as 204
South Front Street, Wormleysburg, Cumberland County, Pennsylvania and is more particularly
described in the Mortgage (the "Real Property").
Defendant Muniz is the real owner of the Real Property.
On or about December 28, 2004 and subsequent to the recording of the
Mortgage, Defendant USA recorded in the Office of the Prothonotary of Cumberland County a
Notice of Federal Tax Lien against Defendant Muniz in the amount of $7,210.82. The Notice of
Federal Tax Lien was docketed as No. 04-6490 FTL. A true and correct copy of the said Notice
of Federal Tax Lien is attached hereto as Exhibit C.
9. Defendant Muniz failed to pay when due all real estate taxes assessed
against the Real Property for 2003 totaling $5,906.35 and for 2004 totaling $5,773.65 as required
under the Mortgage. Such taxes now are delinquent.
10. Defendant Muniz has failed to make monthly payments of principal and
interest under the Note which were due and payable for November and December 2004, and
January 2005.
11. Defendant Muniz's failure to pay when due the real estate taxes assessed
against the Real Property and her failure to make the monthly payments of principal and interest
-2-
due under the Note for November and December 2004 and January 2005 constitute Events of
Default under the Note and the Mortgage.
12. The indebtedness evidenced by the Note and secured by the Mortgage is
due and payable immediately in full, together with accrued interest and prepayment penalty. As
of January 13, 2005, the amount of such indebtedness is $212,662.85, which is computed as
follows:
Principal $202,381.74
Interest to January 13, 2005 3,560.31
Late fees to January 13, 2005 1,008.17
Prepayment penalty 4,047.63
Attorneys' fees and expenses 1.665.00
to January 18, 2005
Total $212.662.85
Interest continues to accrue on the indebtedness at the rate per annum defined in the Index in the
Note. Attorneys' fees and expenses continue to be incurred.
11 Plaintiff is entitled to Judgment in Mortgage Foreclosure.
14. Plaintiff seeks judgment against Defendant USA to extinguish and
discharge all federal tax liens junior to its Mortgage that attach to the Real Property, including
but not limited to Notice of Federal Tax Lien No. 04-6490 FTL.
WHEREFORE, Plaintiff respectfully requests that this Honorable Court (i) enter
Judgment in Mortgage Foreclosure in its favor and against Defendant Muniz in the amount of
$212,662.85, plus interest after January 13, 2005 at the rate Der annum defined as the Index in
the Note and for all other charges and expenses provided in the Note and the Mortgage,
including late fees, prepayment penalty, costs of collection and attorney's fees, (ii) direct the
judicial sale of the Mortgaged Real Property; (iii) enter Judgment in its favor and against
Defendant the United States of America, divesting and discharging all federal tax lien(s) junior
-3-
to the Mortgage that may have attached to the Real Property, upon the judicial sale of the Real
Property; and (iv) together with such other and further relief this Court deems just and proper.
Respectfully submitted,
METTE, EVANS & WOODSIDE
By: #&L 'kiS u.
Ma ew E. Hamlin, Esquire
Supreme Court I.D. No. 86142
3401 North Front Street
P. O. Box 5950
Harrisburg, PA 17110-0950
(717) 232-5000 - Phone
(717) 236-1816 - Fax
Attorneys for Plaintiff
Date: January 25, 2005
-4-
VERIFICATION
I, Angela A. Masser, Vice President Asset Quality of Commerce
Bank/Harrisburg, N.A. (`Bank"), have read the foregoing Complaint in Mortgage Foreclosure
and verify that the facts set forth therein are true and correct according to the best of my
knowledge, information and belief and that as such Vice President Asset Quality I am authorized
to executed this Verification on behalf of the Bank.
I understand that any false statement made herein is subject to the penalties of 18
Pa. C.S.A. §4904, relating to unsworn falsification to authorities.
17
J/Angela A. Masser
Dated: January 25, 2005
414437v
PROMISSORY NOTE
References in the shaded area are for Lender's use only and do not limit the applicability of this document to any particular loan or item.
Any item above containing -- has been omitted due to text length limitations.
Borrower: Sara L Muntz Lender. ..--COMMERGE-BANKIHARRSSBURG N,A: ,- --
2D4 South Front Street COMMERCIAL MORTGAGE DEPARTMENT
Wormleysburg, PA 17043 100 SENATE AVENUE _
CAMP HILL, PA 1701.1
(717) 975-563D
Principal Amount: $225,000.00 Date of Note: January 4, 2002
PROMISE TO PAY. Sara L. Muniz ("Borrower") promises to pay to COMMERCE BANK/HARRISBURG N.A. ("Lender"), or order, in lawful money
of the United States of America, the principal amount of Two Hundred Twenty-five Thousand & 001100 Dollars ($225,000.00), together with
interest on the unpaid principal balance from January 4, 2002, until paid in full.
PAYMENT. Subject to any payment changes resulting from changes in the Index, Borrower will pay this loan in accordance with the following
payment schedule: 60 monthly consecutive principal and interest payments in the initial amount of $2,003.03 each, beginning_ February 4;
2002, with interest calculated on the unpaid principal balances at an interest rate of 6.750% per annum; 119 monthly consecutive principal and
interest payments in the initial amount of $1,913.77 each, beginning-February 4, 2007, with interest calculated on the unpaid principal balances
at an interest rate based on the VAR. COMMERCE BANKMARRISSURG, NATIONAL ASSOCIATION RETAIL PRIME RATE (currently 5.750%),
resulting In an initial interest rate of 5.750%; and one principal and interest payment of $1,914.29 on January 4, 2017, with interest calculated
on the unpaid principal balances at an interest rate based on the VAR. COMMERCE BANKMARRISBURG, NATIONAL ASSOCIATION RETAIL
PRIME RATE (currently 5.7501), resulting in an initial interest rate of 5.750%. This estimated final payment is based onthe assumption that all
payments will be made exactly as scheduled and that the index does not change; the actual final payment will be for all principal and accrued
interest not yet paid, together with any other unpaid amounts under this Note. Unless otherwise agreed or required by applicable law,
payments will be applied first to accrued unpaid interest, then to principal, and any remaining amount to any unpaid collection costs and late
charges. The annual interest rate for this Note is computed on a 3651360 basis; that is, by applying the ratio of the annual Interest rate over a
year of 360 days, multiplied by the outstanding principal balance, multiplied by the actual number of days the principal balance is outstanding.
Borrower will pay Lender at Lender's address shown above or at such other place as Lender may designate in writing.
VARIABLE INTEREST RATE. The interest rate on this Note is subject to change from time to time based on changes in an index which is Lenders
Prime Rate (the "Index"). This is the rate Lander charges, or would charge, on 90-day unsecured loans to the most creditworthy corporate customers.
This rate may or may not be the lowest rate available from Lender at any given time. Lender will tell Borrower the current Index rate upon Borrower's
request. The interest rate change will hot occur more often than each day. Borrower understands that Lender may make loans based on other rates as
wail. The Index currently is 5.750% per annum. The interest rate or rates to be applied to the unpaid principal balance of this Note will be the
rate or rates set forth herein In the 'Payment" section. Notwithstanding any other provision of this Note, after the first payment sfr`eam, the
interest rate for each subsequent payment stream will be effective as of the last payment data of the just-ending payment stream: NOTICE:
Under no circumstances will the interest rate on this Note be more than the maximum rate allowed• by applicable law. Whenever increases occur in the
interest rate, Lender, at its option, may do one or more of the following: (A) increase Borrower's payments to ensure Borrowers loan will pay oft by its
original final maturity date, (B) increase Borrower's payments to cover accruing interest, (C) increase the number of Borrower's payments, and (O)
continue Borrowers payments at the same amount and increase Borrowers final payment.
PREPAYMENT PENALTY. Borrower agrees that all loan fees and other prepaid finance charges are earned fully as of the date of the loan and will not
be subject to refund upon eady payment (whether voluntary or as a result of default), except as otherwise required by law. Upon prepayment of this
Note, Lender is entitled to the following prepayment penalty: Prepayment of any amount of the principal sum shall be subject to a penalty
charge of 5% during the first year of amortization and declining 1 % per year thereafter to par. Except for the foregoing, Borrower may pay all
or a portion of the amount owed earlier than it is due, Early payments will not, unless agreed to by Lender in writing, relieve Borrower of Borrower's
obligation to continue to make payments under the payment schedule. Rather, early payments will reduce the principal- balance due and may result in
Borrower's making fewer payments. Borrower agrees not to send Lender payments marked 'paid in full", "without recourse% or similar language. If
Borrower sends such a payment, Lender may accept it without losing any of Lenders rights under this Note, and Borrower will remain obligated to pay
any further amount owed to Lender. All written communicabons concerning disputed amounts, including any check or other payment instrument that
indicates that the payment constitutes "payment in full" of the amount owed or that is tendered with other conditions or limitations or as full satisfaction
of a disputed amount must be mailed or delivered to: COMMERCE BANKIHARRISBURG N.A., COMMERCIAL MORTGAGE DEPARTMENT, 100
SENATE AVENUE, CAMP HILL, PA 17011.
LATE CHARGE. If a payment is 15 days or more late, Borrower will be charged 5.000% of the regularly scheduled payment.
INTEREST AFTER DEFAULT. Upon_defauft including-failure to-pay uponlinal maturfty,.the total sum due under this Note will bear interest from the
date of acceleration or maturity at the variable interest rate on this Note. The interest rate will not exceed the mazirnum rate permitted by applicable law.
DEFAULT. Each of the following shall constitute an event of default ("Event of Default") under this Note
Payment Default. Borrower fails to make any payment when due under this Note.
Other Defaults. Borrower fails to comply with or to perform any other term, obligation, covenant or condition contained in this Note or in any of
the related documents or to comply with or to perform any term, obligation, covenant or condition contained in any other agreement between
Lender and Borrower.
Default in Favor of Third Parties. Borrower or any Grantor defaults under any loan, extension of credit, security agreement, purchase or sales
agreement, or any other agreement, in favor of any other creditor or person that may materially affect any of Borrower's property or Borrower's
ability to repay this Note or perform Borrower's obligations under this Note or any of the related documents.
False Statements. Any warranty, representation or statement made or furnished to Lender by Borrower or on Borrower's behalf under this Note
or the related documents is false or misleading in any material respect, either now or at the time made or furnished or becomes false or misleading
at any time thereafter.
Death or insolvency. The death of Borrower or the dissolution or termination of Borrower's existence as a going business, the insolvency of
Borrower, the appointment of a receiver for any part of Borrower's property, any assignment for the benefit of creditors, any type of creditor
workout, or the commencement of any proceeding under any bankruptcy or insolvency laws by or against Borrower.
Creditor or Forfeiture Proceedings. Commencement of foreclosure or forfeiture proceedings, whether by judicial proceeding, self-help,
repossession or any other method, by any creditor of Borrower or by any governmental agency against any collateral securing the loan. This
PROMISSORY NOTE
(Continued) Page 2
includes a garnishment of any of Borrower's accounts, including deposit accounts, with Lender. However, this Event of Default shall not apply if
there is a good faith dispute by Borrower as to the validity or reasonableness of the claim which is the basis of the creditor or forfeiture proceeding
and If Borrower gives Lender written notice of the creditor or forfeiture proceeding and deposits with Lender monies or a surety bond for the
creditor or forfeiture proceeding, in an amount determined by Lender, in its sole discretion, as being an adequate reserve or bond for the dispute.
Events Affecting Guarantor. Any of the preceding events occurs with respect to any Guarantor of any of the indebtedness or any Guarantor dies
or becomes incompetent, or revokes or disputes the validity of, or liability under, any guaranty of the indebtedness evidenced by this Note. In the
event of a death, Lender, at its option, may, but shall not be required to, permit the Guarantor's estate to assume unconditionally the obligations
arising under the guaranty in a manner satisfactory to Lender, and, in doing so, cure any Event of Default.
Adverse Change. A material adverse change occurs in Borrower's financial condition, or Lender believes the prospect of payment or
performance of this Note is impaired.
Insecurity. Lender in good faith believes itself insecure.
Cure Provisions. If any default, other than a default in payment is curable and if Borrower has not been given a notice of a breach of the same
provision of this. Note within the preceding twelve (12) months, it may be cured (and no event of default will have occurred) if Borrower, attar
receiving written notice from Lender demanding cure of such default: (1) cures the default within fifteen (15) days; or (2) if the cure requires
more than fifteen (15) days, immediately initiates steps which Lender deems in Lenders sole discretion to be sufficient to cure the default and
thereafter continues and completes all reasonable and necessary steps sufficient to produce compliance as soon as reasonably practical.
LENDER'S RIGHTS. Upon default, Lender may, after giving such notices as required by applicable law, declare the entire unpaid principal balance on
this Note and all accrued unpaid interest immediately due, and then Borrower will pay that arrrount.
ATTORNEYS' FEES; EXPENSES. Lender may hire or pay someone else to help collect this Note if Borrower does not pay. Borrower will pay Lender
that amount. This includes, subject to any limits under applicable law, Lender's attorneys' fees and Lender's legal expenses, whether or not there is a
lawsuit, including attorneys' fees, expenses for bankruptcy proceedings (including efforts to modify or vacate any automatic stay or injunction), and
appeals. If not prohibited by applicable law, Borrower also will pay any court costs, in addition to all other sums provided by law.
GOVERNING LAW. This Note will be governed by, construed and enforced in accordance with federal law and the laws of the Commonwealth
of Pennsylvania. This Note has been accepted by Lender In the Commonwealth of Pennsylvania.
RIGHT OF SETOFF. To the extent permitted by applicable law, Lender reserves a right of setoff in all Borrower's accounts with Lender (whether
checking, savings, or some other account). This includes all accounts Borrower holds jointly with someone else and all accounts Borrower may open in
the future. However, this does not include any IRA or Keogh accounts, or any trust accounts for which setoff would be prohibited by law. Borrower
authorizes Lender, to the extent permitted by applicable law, to charge or setoff ail sums owing on the indebtedness against any and all such accounts.
COLLATERAL. Borrower acknowledges this Note is secured by a 1st mortgage lien on 204 South Front Street, Wormleysburg, Borough of
Wormleysburg, Cumberland County, Pennsylvania, and a valid 1st lien security interest in all business assets of the guarantor.
OPTION TO DECLARE LOAN DUE. Although the repayment of the loan evidenced by this instrument has been designed as if it were to extend for the
term established in the "Payment" section, hereinabove outlined, Borrower understands that Lender expressly reserves the right and option, exercisable
at its discretion, to declare the entire unpaid principal balance under this Promissory Note together with all interest which shall have accrued thereon to
be due and payble on the fifth (5th) anniversary of the date of this Promissory Note and on each succeeding Five(5) year anniversary of that date
during the term hereof, hereinafter referred to as 'Loan Call Date". In the event that Lender desires to exercise its option to declare the Loan due, it
shall deliver written notice thereof by regular first class mail to Borrower's last known address 90 days prior to the Loan Call Date. Borrower shall, within
90 days after the date of written notice by Lender of its exercise of the option, repay the entire principal balance due under the Promissory Note
together with all unpaid interest which shall have accrued thereon as well as any other sums which may then be due under this Promissory Note or any
other document constituting a part of the within loan transaction.
SUCCESSOR INTERESTS. The terms of this Note shall be binding upon Borrower, and upon Borrower's heirs, personal representatives, successors
and assigns, and shall inure to the benefit of Lender and its successors and assigns.
NOTIFY US OF INACCURATE INFORMATION WE REPORT TO CONSUMER REPORTING AGENCIES. Please notify us if we report any inaccurate
information about your account(s) to a consumer reporting agency. Your written notice describing the specific inaccuracy(ies) should be sent to us at
the following address: COMMERCE BANK/HARRISBURG N.A. 100 SENATE AVENUE CAMP HILL, PA 17011
GENERAL PROVISIONS. Lender may delay or forgo enforcing any of its rights or remedies under this Note without losing them. Borrower and any
other person who signs, guarantees or endorses this Note, to the extent allowed by law, waive presentment, demand for payment, and notice of
dishonor. Upon any change in the terms of this Note, and unless otherwise expressly stated in writing, no party who signs this Note, whether as maker,
guarantor, accommodation maker or endorser, shall be released from liability. All such parties agree that Lender may renew or extend (repeatedly and
for any length of time) this loan or release any party or guarantor or collateral; or impair, fail to realize upon or perfect Lender's security interest in the
collateral; and take any other action deemed necessary by Lender without the consent of or notice to anyone. All such parties also agree that Lender
may modify this loan without the consent of or notice to anyone other than the party with whom the modification is made. The obligations under this
Note are joint and several. If any portion of this Note is for any reason determined to be unenforceable, it will not affect the enforceability of any other
provisions of this Note.
CONFESSION OF JUDGMENT. BORROWER HEREBY IRREVOCABLY AUTHORIZES AND EMPOWERS ANY ATTORNEY OR THE PROTHONOTARY
OR CLERK OF ANY COURT IN THE COMMONWEALTH OF PENNSYLVANIA, OR ELSEWHERE, TO APPEAR AT ANY TIME FOR BORROWER AFTER
A DEFAULT UNDER THIS NOTE AND WITH OR WITHOUT COMPLAINT FILED, CONFESS OR ENTER JUDGMENT AGAINST BORROWER FOR THE
ENTIRE PRINCIPAL BALANCE OF THIS NOTE AND ALL ACCRUED INTEREST, LATE CHARGES AND ANY AND ALL AMOUNTS EXPENDED OR
ADVANCED BY LENDER RELATING TO ANY COLLATERAL SECURING THIS NOTE, TOGETHER WITH COSTS OF SUIT, AND AN ATTORNEY'S
COMMISSION OF TEN PERCENT (10%) OF THE UNPAID PRINCIPAL BALANCE AND ACCRUED INTEREST FOR COLLECTION, BUT IN ANY EVENT
NOT LESS THAN FIVE HUNDRED DOLLARS ($500) ON WHICH JUDGMENT OR JUDGMENTS ONE OR MORE EXECUTIONS MAY ISSUE
IMMEDIATELY; AND FOR SO DOING, THIS NOTE OR A COPY OF THIS NOTE VERIFIED BY AFFIDAVIT SHALL BE SUFFICIENT WARRANT. THE
AUTHORITY GRANTED IN THIS NOTE TO CONFESS JUDGMENT AGAINST BORROWER SHALL NOT BE EXHAUSTED BY ANY EXERCISE OF THAT
AUTHORITY, BUT SHALL CONTINUE FROM TIME TO TIME AND AT ALL TIMES UNTIL PAYMENT IN FULL OF ALL AMOUNTS DUE UNDER THIS
NOTE. BORROWER HEREBY WAIVES ANY RIGHT BORROWER MAY HAVE TO NOTICE OR TO A HEARING IN CONNECTION WITH ANY SUCH
CONFESSION OF JUDGMENT AND STATES THAT EITHER A REPRESENTATIVE OF LENDER SPECIFICALLY CALLED THIS CONFESSION OF
JUDGMENT PROVISION TO BORROWER'S ATTENTION OR BORROWER HAS BEEN REPRESENTED BY INDEPENDENT LEGAL COUNSEL.
PROMISSORY NOTE
(Continued)
Page 3
PRIOR TO SIGNING THIS NOTE, BORROWER READ AND UNDERSTOOD ALL THE PROVISIONS OF THIS NOTE, INCLUDING THE VARIABLE
INTEREST RATE PROVISIONS. BORROWER AGREES TO THE TERMS OF THE NOTE.
BORROWER ACKNOWLEDGES RECEIPT OF A COMPLETED COPY OF THIS PROMISSORY NOTE.
THIS NOTE IS GIVEN UNDER SEAL AND IT IS INTENDED THAT THIS NOTE IS AND SHALL CONSTITUTE AND HAVE THE EFFECT OF A
SEALED INSTRUMENT ACCORDING TO LAW.
DEER ?b Lw V., 5 no,.M CW wnn, F,10e 1 S44 me IM M2. YAq wP?Y PA rn NAPPftP IM FnLft eFC TX31l An
WHEN RECORDED MAIL TO:
COMMERCE BAN K/HARRISBURG N.A.
100 SENATE AVENUE
CAMP HILL, PA 17011
.,..i;, -FA.
'02 AN 7 PM 1 12
SPACE ABOVE THIS LINE IS FOR RECORDER'S USE ONLY
MORTGAGE
THIS MORTGAGE dated January 4, 2002, is made and executed between Sara L. Muniz, whose address is 204
South Front Street, Wormleysburg, PA 17043 (referred to below as "Grantor") and COMMERCE
BANK/HARRISBURG N.A., whose address is 100 SENATE AVENUE, CAMP HILL, PA 17011 (referred to below as
"Lender").
GRANT OF MORTGAGE. For valuable consideration, Grantor grants, bargains, sells, conveys, assigns, transfers, releases, confirms and mortgages
to tender all of Grantor's right, tile, and interest in and to the following described real property, together with all existing or subsequently erected or
affixed. buildings, improvements and fixtures; all streets, lanes, alleys, passages, and ways; all easements, rights of way, all liberties, privileges,
tenements, hereditsments, and appurtenances thereunto belonging or anywise made appurtenant hereafter, and the reversions and remainders with
respect thereto; all water, water rights, watercourses and ditch rights (including stock in utilities with ditch or irrigation rights); and all other rights,
royalties, and profits relating to the real property, including without limitation all minerals, oil, gas, geothermal and similar matters, (the "Real
Property") located in Cumberiantl County, Commonwealth of Pennsylvania:
See Exhibit "A", which is attached to this Mortgage and made a part of this Mortgage as if fully set forth
herein.
The Real Property or its address is commonly known as 204 South Front Street, Wormleysburg, PA 17043.
Grantor presently assigns to Lender all of Grantor's right, title, and interest in and to all present and future leases of the Property and all Rents from the
Property. In addition, Grantor grants to Lender a Uniform Commercial Code security interest in the Personal Property and Rents.
THIS MORTGAGE, INCLUDING THE ASSIGNMENT OF RENTS AND THE SECURITY INTEREST IN THE RENTS AND PERSONAL PROPERTY, IS
GIVEN TO SECURE (A) PAYMENT OF THE INDEBTEDNESS AND (B) PERFORMANCE OF ANY AND ALL OBLIGATIONS UNDER THE NOTE,
THE RELATED DOCUMENTS, AND THIS MORTGAGE. THIS MORTGAGE IS GIVEN AND ACCEPTED ON THE FOLLOWING TERMS:
PAYMENT AND PERFORMANCE. Except as otherwise provided in this Mortgage, Grantor shall pay to Lender all amounts secured by this Mortgage
as they become due and shall strictly perform all of Grantor's obligations under this Mortgage.
POSSESSION AND MAINTENANCE OF THE PROPERTY. Grantor agrees that Grantor's possession and use of the Property shall be governed by the
following provisions:
Possession and Use. Until the occurrence of an Event of Default, Grantor may (1) remain in possession and control of the Property; (2) use,
operate or manage the Property; and (3) collect the Rents from the Property.
Duty to Maintain. Grantor shall maintain the Property in tenantable condition and promptly perform all repairs, replacements, and maintenance
necessary to preserve is value.
Compliance With Environmental Laws, Grantor represents and warrants-to Lender that: (1) During the period of Grantor's ownership of the
Property, there has been no use, generation, manufacture, storage, treatment, disposal, release or threatened release of any Hazardous
Substance by any person on, under, about or from the Property; (2) Grantor has no knowledge of, or reason to believe that there has been,
except as previously disclosed to and acknowledged by Lender in writing, (a) any breach or violation of any Environmental Laws, (b) any use,
generation, manufacture, storage, treatment, disposal, release or threatened release of any Hazardous Substance on, under, about or from the
Property by any prior owners or occupants of the Property, or (c) any actual or threatened litigation or claims of any kind by any person relating
to such matters; and (3) Except as previously disclosed to and acknowledged by Lender in writing, (a) neither Grantor nor any tenant,
contractor, agent or other authorized user of the Property shall use, generate, manufacture, store, treat, dispose of or release any Hazardous
Substance on, -under, about or from the Property; and (b) any such activity shall be conducted in compliance with all applicable federal, state,
and local laws, regulations and ordinances, including without limitation all Environmental Laws. Grantor authorizes Lender and its agents to enter
upon the Property to make such inspections and tests, at Grantor's expense, as Lender may deem appropriate to determine compliance of the
Property with this section of the Mortgage. Any inspections or tests made by Lender shall be for Lender's purposes only and shall not be
construed to create any responsibility or liability on the part of Lender to Grantor or to any other person. The representations and warranties
contained herein are based on Grantor's due diligence in investigating the Property for Hazardous Substances. Grantor hereby (1) releases and
waives any future claims against Lender for indemnity or contribution in the event Grantor becomes liable for cleanup or other costs under any
such laws; and (2) agrees to indemnify and hold harmless Lender against any and all claims, losses, liabilities, damages, penalties, and expenses
which Lender may directly or indirectly sustain or suffer resulting from a breach of this section of the Mortgage or as a consequence of any use,
generation, manufacture, storage, disposal, release or threatened release occurring prior to Grantor's ownership or interest in the Property,
whether or not the same was or should have been known to Grantor. The provisions of this section of the Mortgage, including the obligation to
indemnify, shall survive the payment of the Indebtedness and the satisfaction and reconveyance of the lien of this Mortgage and shall not be
affected by Lender's acquisition of any interest in the Property, whether by foreclosure or otherwise.
Nuisance, Waste. Grantor shall not cause, conduct or permit any nuisance nor commit, permit, or suffer any stripping of or waste on or to the
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Z abed (panuguoo)
a0vD.iaow
MORTGAGE
(Continued) Page 3
All such expenditures incurred or paid by Lender for such purposes will then bear interest at the rate charged under the Note from the date incurred or
paid by Lender to the date of repayment by Grantor. All such expenses will become a part of the Indebtedness and, at Lander's option, will (A) be
payable on derniind; (B) be added to the balance of the Note and be apportioned among and be payable with any installment payments to become
due during either (1) the term of any applicable insurance policy; or (2) the remaining term of the Note; or (C) be treated as a balloon payment
which will be due and payable at the Note's maturity. The Mortgage also will secure payment of these amounts. Such right shall be in addition to all
other rights and remedies to which Lender may be entitled upon Default. Grantor's obligation to Lender for all such expenses shall survive the entry of
any mortgage foreclosure judgment.
WARRANTY; DEFENSE OF TITLE. The following provisions relating to ownership of the Property are a part of this Mortgage:
Title. Grantor warrants that: (a) Grantor holds good and marketable title of record to the Property in fee simple, free and clear of all liens and
encumbrances other than those set forth in the Real Property description or in any title insurance policy, title report, or final title opinion issued in
favor of, and accepted by, Lender in connection with this Mortgage, and (b) Grantor has the full right, power, and authority to execute and deliver
this Mortgage to Lender.
Defense of Title. Subject to the exception in the paragraph above, Grantor warrants and will forever defend the title to the Property against the
lawful. claims of all persons. In the event any action or proceeding is commenced that questions Grantor's title or the interest of Lender under this
Mortgage, Grantor shall defend the action at Grantor's expense. Grantor may be the nominal party in such. proceeding, but Lender shall be
entitled to participate in the proceeding and to be represented in the proceeding by counsel of Lender's own choice, and Grantor will deliver, or
cause to be delivered, to Lender such instruments as Lender may request from time to time to permit such participation.
Compliance With Laws. Grantor warrants that the Property and Grantor's use of the Property complies with all existing applicable laws,
ordinances, and regulations of governmental authorities.
Survival of Representations and Warranties. All representations, warranties, and agreements made by Grantor in this Mortgage shall survive
the execution and delivery of this Mortgage, shall be continuing in nature, and shall remain in full force and effect until such time as Grantor's
Indebtedness shall be paid in full.
CONDEMNATION. The following provisions relating to condemnation proceedings are a part of this Mortgage:
Proceedings. If any proceeding in condemnation is filed, Grantor shall promptly notify Lender in writing, and Grantor shall promptly take such
steps as may be necessary to defend the action and obtain the award. Grantor may be the nominal party in such proceeding, but Lender shall be
entitled to participate in the proceeding and to be represented in the proceeding by counsel of its own choice, and Grantor will deliver or cause to
be delivered to Lender such instruments and documentation as may be requested by Lender from time to time to permit such participation.
Application of Net Proceeds. If all or any part of the Property is condemned by eminent domain proceedings or by.any proceeding or purchase
in lieu of condemnation, Lender may at Its election require that all or any portion of the net proceeds of the award be applied to the Indebtedness
or the repair or restoration of the Property. The. net proceeds of the award shall mean the award after payment of all actual costs, expenses, and
attorneys' fees incurred by Lender in connection with the condemnation.
IMPOSITION OF TARES, FEES AND CHARGES BY GOVERNMENTAL AUTHORITIES. The following provisions relating to governmental taxes, fees
and charges are a part of this Mortgage:
Current Taxes, Fees and Charges. Upon request by Lender, Grantor shall execute such documents in addition to this Mortgage and take
whatever other action is requested by Lender to perfect and continue Lender's lien on the Real Property. Grantor shall reimburse Lender for all
taxes, as described below, together with all expenses incurred in recording, perfecting or continuing this Mortgage, including without limitation all
taxes, fees, documentary stamps, and other charges for recording or registering this Mortgage.
Taxes. The following shall constitute taxes to which this section applies: (1) a specific tax upon this type of Mortgage or upon all or any part of
the. Indebtedness secured by this Mortgage; (2) a specific tax on Grantor which Grantor is authorized or required to deduct from payments on
the Indebtedness secured by this type of Mortgage; (3) a tax on this type of Mortgage chargeable against the Lender or the holder of the Note;
and (4) a specific tax on all or any portion of the Indebtedness or on payments of principal and interest made by Grantor.
Subsequent Taxes. If any tax to which this section applies is enacted subsequent to the date of this Mortgage, this event shall have the same
effect as an Event of Default, and Lender may exercise any or all of its available remedies for an Event of Default as provided below unless Grantor
either (1) pays the tax before it becomes delinquent, or (2) contests the tax as provided above in the Taxes and Liens section and deposits with
Lender cash or a sufficient corporate surety bond or other security satisfactory to Lender.
SECURITY AGREEMENT; FINANCING STATEMENTS. The following provisions relating to this Mortgage as a security agreement are a part of this
Mortgage:
Security Agreement. This instrument shall constitute a Security Agreement to the extent any of the Property constitutes fixtures, and Lender shall
have all of the rights of a secured party under the Uniform Commercial Code as amended from time to time.
Security Interest. Upon request by Lender, Grantor shall execute financing statements and take whatever other action is requested by Lender to
perfect and continue Lender's security interest in the Rents and Personal Property. In addition to recording this Mortgage in the real property
records, Lender may, at any time and without further authorization from Grantor, file executed counterparts, copies or reproductions of this
Mortgage as a financing statement. Grantor shall reimburse Lender for all expenses incurred in perfecting or continuing this security interest.
Upon default, Grantor shall not remove, sever or detach the Personal Property from the Property. Upon default, Grantor shall assemble any
Personal Property not affixed to the Property in a manner and at a place reasonably convenient to Grantor and Lender and make it available to
Lender within three (3) days after receipt of written demand from Lender to the extent permitted by applicable law.
Addresses. The mailing addresses of Grantor (debtor) and Lender (secured party) from which information concerning the security interest
granted by this Mortgage may be obtained (each as required by the Uniform Commercial Code) are as stated on the first page of this Mortgage.
FURTHER ASSURANCES; ADDITIONAL AUTHORIZATIONS. The following provisions relating to further assurances and additional authorizations are
a part of this Mortgage:
Further Assurances. At any time, and from time to time, upon request of Lender, Grantor will make, execute and deliver, or will cause to be
made, executed or delivered, to Lender or to Lender's designee, and when requested by Lender, cause to be filed, recorded, refiled, or
rerecorded, as the case may be, at such times and in such offices and places as Lender may deem appropriate, any and all such mortgages,
deeds of trust, security deeds, security agreements, financing statements, continuation statements, instruments of further assurance, certificates,
and other documents as may, in the sole opinion of Lender, be necessary or desirable in order to effectuate, complete, perfect, continue, or
8 K 1 7! -)5PG 1 14 73
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.191el io Mou Bups!xe 1e43e4m 'iepua-I
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.io3ueiO.lsu!e6e Jo Aq sme!
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,uoseei Aug lo; pus ewp Aug Is (uep io lssielu! Alunoes paloeped pus plIsA a elaeio 01;uewnoop
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7B4ee1e43 ewp Aug Is 6u!psels!w
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-luewnoop p9leiei Aug io e6e61ioW $114 iepun SuopgBpgo siolueio gLOyed ol Ai!pge sioiuaio to sseupeigepul
a4i Asdei of Ayl!ge edotueio io Aliedwd sioNeio;o Am loegu Alleuelew Aew ley; uosied io i0ppeio ie4lo Aug to lone; u! 'lueweei6e leylo Aug io
'3ueweeibu sales io eeegmnd 'luewaai6g A;unoas 'Apwo ;o uoisuelxe 'Ueol Am iepun pnelop io3ueiO pInO4S 'sallied PARL jo ioeej u! line;ea
7olueiE) pug iepua-j
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to Aue u! io e6e6uoW s!w ul peu!eluoo uop!puoo io lueuenoO'uope6!Igo'wiel ieylo Aug wioped of io 4l!M Aldwoo w spa; iolueiO 'aline;aO ieglo
,uap Aug ;o 96is4os!p ioape 01 io;o 6u!Ip lueAeid of Ainseoeu luewAed ie41o
Aug io 'eousinsui io sexes io; luawAed Aug e>lew of eBe6yoW slut Aq pennbei ewp a4J u!qum ioamiO to ampej •sluawAod hullo uo ilne;ao
-sseupelgepul aqi iepun anp ua4m luewABd Aug a)IBw ol spel ioluejEl •ylnp;ao lUawAed
:eBe611oW Stull iepun ilne;ao 101ueA3 us einlpsuoo petts'uo!ido siepue-i is '6u!mollo; eql to yoe3 •1'lnwaa jo S.LN3A3
-ew!1 0l ewp woi; iapue-1 Aq peu!uuelep as ea; uopeu!UUel epBUOSSei
Aug 'mai elgeo!ldde Aq pep!wed p •Aed p!m iolueicj AlledOld IeUOSied eg1 pup slued pull u! Ismaili! Allinoes edepueq Bu!ouap!Ae a!g uo luawelms
6u!ouguy Aue;o uaigu!uuel;o sluewalais appi!ns pus e696UOW s!y1;o uo!ioalspes elgallns a iolueiq of ieA!lep pue einoexe lu'4s iepue-I 'e6B6uoW
s!41 iepun iolusio uodn pesodwi suopeB!po e41 Ire suuopad es!Mle41o pug 'enp ue4m ssoupelgapul ell Ile aAed ioiugio p '3oNVWHOjH3d 'llnd
•suopog gons Aug eNel of iepue-1 ennbei pet's u!eia4 4uo; les Bu!ylou leg; poolsiepun s!
11 '02ifted bu!peoeid eq1 ul of peke;w siepgw eL4 gspdwoom of 'uow do s!os s,lapue-I u! 'epgi!sep io Aiesseoeu act Aew se sBu!gt ie41o Ile op
pus pi0oei 'ell; 7enpap'alnoexe '9>gw of iapue-j sezpo44ne AlgBOOnwi! Agaie4 ioluBiO 'sesodmd gons ioj 'esuedxe s,ioluaio is pug iolueio ;o
aweu eqi ui pue iol os op Asw i9pue-i 'gdpi6eipd 6u!peoeid e41 ui of pena;ei s6u!gl alt ;o Aug op of sl!e; iolueiO !I •suoIjezuo4lnv leuop;ppy
,4dpi6eied s!41
UI O1 pgiie;ei sieppw 941 WM UO11oaUUOO ul o9jinoul sesuedxe pus s1s0o Its i0; ispue-I esingw!ei I1p4s 1oluBlEj '6ullum ul /UBiwoo sLA of seel6p
iepua-I io met Aq pepq!yoid ssalun voiueicj Aq pe inboe iepsalag io peumo mou iettlegm 'Auedoid e41 uo sump loud pug lsip as a6e6voW s!44 Aq
peleeio slseiewl f4pnoes pus suap egi (Z) pus 'sluewnooo POPleH agt Pus 'ebublioW spl 'eloN e41 iepun SU04BB!Igo siolueiO (l) ameseid
b abed (panu);uoo)
aodolaow
MORTGAGE
(Continued)
Page 5
Appoint Receiver. Lender shall have the right to have a receiver appointed to take possession of all or any part of the Property, with the power to
protect and preserve the Property, to operate the Property preceding foreclosure or sale, and to collect the Rents from the Property and apply the
proceeds, over and above the cost of the receivership, against the Indebtedness. The receiver may serve without bond if permitted by law.
Lender's right to the appointment of a receiver shall exist whether or not the apparent value of the Property exceeds the Indebtedness by a
substantial amount. Employment by Lender shall not disqualify a person from serving as a receiver.
Judicial Foreclosure. Lender may obtain a judicial decree foreclosing Grantor's interest in all or any part of the Property
Possession of the Property. For the purpose of procuring possession of the Property, Grantor hereby authorizes and empowers any attorney of
any court of record in the Commonwealth of Pennsylvania or elsewhere, as attorney for Lender and all persons claiming under or through Lender,
to sign an agreement for entering in any competent court an amicable action in ejectment for possession of the Property and to appear for and
confess judgment against Grantor, and against all persons claiming under or through Grantor, for the recovery by Lender of possession of the
Property, without any stay of execution, for which this Mortgage, or a copy of this Mortgage verified by affidavit, shall be a sufficient warrant; and
thereupon a writ of possession may be issued forthwith, without any prior writ or proceeding whatsoever.
Nonjudicial Sale. If permitted by applicable law, Lender may foreclose Grantor's interest in all or in any part of the Personal Property or the Real
Property by non-judicial sale.
Deficiency Judgment. Lender may obtain a judgment for any deficiency remaining in the Indebtedness due to Lender after application of all
amounts received from the exercise of the rights provided in this section.
Tenancy at Sufferance. If Grantor remains in possession of the Property after the Property is sold as provided above or Lender otherwise
becomes entitled to possession of the Property upon default of Grantor, Grantor shall become a tenant at sufferance of Lender or the purchaser
of the Property and shall, at Lender's option, either (t) pay a reasonable rental for the use of the Property, or (2) vacate the Property
immediately upon the demand of Lender.
Other Remedies. Lender shall have all other rights and remedies provided in this Mortgage or the Note or available at law or in equity.
Sale of the Property. To the extent permitted by applicable law, Grantor hereby waives any and all right to have the Property marshalled. In
exercising its rights and remedies, Lender shall be free to sell all or any part of the Property together or separately, in one sale or by separate
sales. Lender shall be entitled . to bid. at any public sale on all or any portion of the Property.
Notice of Sale. Lender shall give Grantor reasonable notice of the time and place of any public sale of the Personal Property or of the time after
which any private sale or other intended disposition of the Personal Property is to be made. Unless otherwise required by applicable law,
reasonable notice shall mean notice given at least ten (10) days before the time of the sale or disposition.
Election of Remedies. Election by Lender to pursue any remedy shall not exclude. pursuit of any other remedy, and an election to make
expenditures or to take action to. perform an obligation of Grantor under this Mortgage, after Grantor's failure to. perform, shall not affect Lenders
right to declare a default and exercise its remedies. Nothing under this. Mortgage or otherwise shall be construed so as to limit or restrict the rights
and remedies available to Lender following an Event of Default, or in any way to limit or restrict the rights and ability of Lender to proceed directly
against Grantor and/or against any other co-maker, guarantor, surety or endorser and/or to proceed against any other collateral directly or
indirectly securing the Indebtedness.
Attorneys' Fees; Expenses. If Lender institutes any suit or action to enforce any of the terms of this Mortgage, Lender shall be entitled to recover
such sum as the court may adjudge reasonable as attomeys' tees at trial and upon any appeal. Whether or not any court action is involved, and
to the extent not prohibited by law, all reasonable expenses Lender incurs that in Lender's opinion are necessary at any time for the protection of
its interest or the enforcement of its rights shall become a part of the Indebtedness payable on demand and shall bear interest at the Note rate
from the date of the expenditure until repaid. Expenses covered by this paragraph include, without limitation, however subject to any limits under
applicable law, Lenders attorneys' fees and Lender's legal expenses, whether or not there is a lawsuit, including attorneys' fees and expenses for
bankruptcy proceedings (including efforts to modify or vacate any automatic stay or injunction), appeals, and any anticipated post-judgment
collection services, the cost of searching records, obtaining title reports (including foreclosure reports), surveyors' reports, and appraisal fees and
tine insurance, to the extent permitted by applicable law. Grantor also will pay any court costs, in addition to all other sums provided by law.
NOTICES. Unless otherwise provided by applicable law, any notice required to be given under this Mortgage shall be given in writing, and shall be
effective when actually delivered, when actually received by telefacsimile (unless otherwise required by law), when deposited with a nationally
recognized overnight courier, or, if mailed, when deposited in the United States mail, as first class, certified or registered mail postage prepaid, directed
to the addresses shown near the beginning of this Mortgage. All copies of notices of foreclosure from the holder of any lien which has priority over this
Mortgage shall be sent to Lender's address, as shown near the beginning of this Mortgage. Any party may change its address for notices under this
Mortgage by giving formal written notice to the other parties, specifying that the purpose of the notice is to change the parry's address. For notice
purposes, Grantor agrees to keep Lender informed at all times of Grantor's current address. Unless otherwise provided by applicable law, if there is
more than one Grantor, any notice given by Lender to any Grantor is deemed to be notice given to all Grantors.
MISCELLANEOUS PROVISIONS. The following miscellaneous provisions are a part of this Mortgage:
Amendments. This Mortgage, together with any Related Documents, constitutes the entire understanding and agreement of the parties as to the
matters set forth in this Mortgage. No alteration of or amendment to this Mortgage shall be effective unless given in writing and signed by the
party or parties sought to be charged or bound by the alteration or amendment.
Annual Reports. If the Property is used for purposes other than Grantor's residence, Grantor shall furnish to Lender, upon request, a certified
statement of net operating income received from the Property during Grantors previous fiscal year in such form and detail as Lender shall require.
"Net operating income" shall mean all cash receipts from the Property less all cash expenditures made in connection with the operation of the
Property.
Caption Headings. Caption headings in this Mortgage are for convenience purposes only and are not to be used to interpret or define the
provisions of this Mortgage.
Governing Law. This Mortgage will be governed by, construed and enforced in accordance with federal law and the laws of the
Commonwealth of Pennsylvania. This Mortgage has been accepted by Lender in the Commonwealth of Pennsylvania.
No Waiver by Lender. Lender shall not be deemed to have waived any rights under this Mortgage unless such waiver is given in writing and
signed by Lender. No delay or omission on the part of Lender in exercising any right shall operate as a waiver of such right or any other right. A
waiver by Lender of a provision of this Mortgage shall not prejudice or constitute a waiver of Lender's right otherwise to demand strict compliance
with that provision or any other provision of this Mortgage. No prior waiver by Lender, nor any course of dealing between Lender and Grantor,
B !', 1 74,5Tr 1 475
9L iL 1 h8
Apedoid
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,Apedwd e4l to uo!gsods!p ia41o io gigs Aug uioi; (swn!weid
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lueweei6e io elou Aioss!wwd
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uapue'4 pug iolueuo ueemleq e6eBpoW s!41 sueew aBBNoW„ prom, e41 '9BeBpow
su6!sse pug siosseoons ell' V'N E)un9SIldbIdHAINd8 30y3WW00 sueew „iepuel„ piom eyl •iepual
,950poW s!ql ul pap!noid se slunowe Lions uo lsaielui gi!m ieLp9ft'e6aBpoW sign iepun suogg611go
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'solsegse PUB;oeie4t
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'z!unW 'l vies sueew ioQuejo. piom egl •iolusio
9MPOW
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vepuel to uogeios!p plop a41 u! Ple4gUm io pelueiB eq Aew iuesuoo Bons seseo Ile ui pue Painbei st iuesuoo pons eiegm seoumsu!
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iepuel 10 iuesuoo egl ieneuagm 'su011013suei1 einyn; Aug of se suogp6pgo s,iolueio;o Aug 1o io si46u sdepuel;o Aug 10 ieA!em a einglsuoo hags
9 abed (ponui;uoo)
39v6imm
MORTGAGE
(Continued)
Page 7
GRANTOR ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF THIS MORTGAGE, AND GRANTOR AGREES TO ITS TERMS. THIS
MORTGAGE IS GIVEN UNDER SEAL AND IT IS INTENDED THAT THIS MORTGAGE IS AND SHALL CONSTITUTE AND HAVE THE EFFECT OF A
SEALED INSTRUMENT ACCORDING TO LAW.
CERTIFICATE OF RESIDENCE
I.hereby certify, that the precise address of the mortgagee, COMMERCE BANKIHARRISBURG N.A., herein is as follows:
COMMERCIAL MORTGAGE DEPARTMENT, 100 SENATE AVENUE, CAMP HILL, PA 170 __
G
Avomey or Apent for MOnpepee
INDIVIDUAL ACKNOWLEDGMENT
COMMONWEALTH OF PENNSYLVANIA ) - ,
;
COUNTY OF ?J )n' Lt Dh I n SS
On this, the "1 fh day of ?l-!l r LU Ctf ?f , 20 O a , before me/'
the undersigned Notary Public, p rsonally appeared Sara L. Muniz,?known 40 me for s bs actodly pro ) to
be the person whose name is subscribed to the within instrument, and acknowledged that he or she executed the same for the purposes therein
contained. _
In witness whereof, I hereunto set my hand and official seal.
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Pu 17 i, F'C I LI 7
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ALL THAT CERTAIN piece of land, with the buildings thereon erected consisting of
one iot, situated in the Borough of Wormleysburg, Cumberland County, Pennsylvania,
said lot being No. 18 in the General Plan of said Borough, and bounded and described as
follows:
BEGINNING at the eastern comer of Lot No. 17 and the public road; thence southeast by
said public road 58 feet to Lot No. 19; thence southwestwardly by said Lot 150 feet to
River Alley; thence northwestwardly by said alley, 58 feet to Lot No. 17; thence
northeastwardly by said Lot, 150 feet to the place of BEGINNING.
HAVING THEREON ERECTED a brick and frame dwelling known and numbered as
204 South Front Street, Wormleysburg, Pennsylvania.
BEING the same premises which William A. Aiello, single man, and Sara L. Aiello,
single woman, also known as Sara L. Muniz, by deed dated September 11, 1997, and
recorded in the Cumberland County Recorder of Deeds Office in Record Book 164, page
351, granted and conveyed unto Sara L. Muniz.
78
Form 668 (Y)(c)
(Rev. February 2004)
1672
Department of the Treasury - Internal Revenue Service
Notice of Federal Tax Lien o y. G v,3o F7-t
Area: Serial Number For Optional Use by Recording Office
SMALL BUSINESS/SELF EMPLOYED AREA #3 DD n' ,
P
dd '"I CE"
Lien Unit Phone: (412) 395-5265 204989004 .
As provided by section 6321, 6322, and 6323 of the Internal Revenue C y7(,
Code, we are giving a notice that taxes (including interest and penalties)
s
d7YL
have been assessed against the following-named taxpayer. We have made i
a demand for payment of this liability, but it remains unpaid. Therefore,
there is a lien in favor of the United States on all property and rights to
property belonging to this taxpayer for the amount of these taxes, and
additional penalties, interest, and costs that may accrue.
Name of Taxpayer SARA L MUNIZ C c -r1
-r:
? F
DO 7
C'7 F=
Residence 204 S FRONT ST st<' N rG
WORMLEYSBURG, PA 17043-1335 ?•_- a r?
IMPORTANT RELEASE INFORMATION: For each assess ? v tr
unless notice of the lien is refiled by the date given in column Jai, this
=
asdefined
on the day following such date, operate as a certificate of r
in IRC 6325(a).
Tax Period Date of
for
Last Day
Unpaid Balance
Kind of Tax Ending Identifying Number Assessment Refilling of Assessment
(a) (b) (c) (d) (e) (f)
6672 12/31/2001 172-54-2167 11/08/2004 12/08/2014 7210.62
Place of Filing
Prothonotary
Cumberland County
Carlisle, PA 17013
This notice was prepared and signed at
PHILADELPHIA, PA
Total 1 $
7210.82
the 14th day of December 2004
on this,
Signature /?" Title
V REVENUE OFFICER 23-09-1459
for CINDY SIMCOX (717) 221-3490
(NOTE: Certificate of officer authorized by law to take acknowledgment is not essential to the validity of Notice of Federal Tax lien
Rev. Rul. 71-466, 1971 - 2 C.B. 409) Form 668(Y)(c) (Rev. 2-2004)
Part 1 - Kept By Recording Office CAT. NO 60025X
G?
v 'C
V-Z
COMMERCE BANK/HARRISBURG,
N.A.,
Plaintiff,
V.
SARA L. MUNIZ and the UNITED
STATES OF AMERICA,
Defendants.
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY,
PENNSYLVANIA
DOCKET NO. 05-531
CIVIL TERM
PROOF OF SERVICE
I, MATTHEW E. HAMLIN, Esquire, counsel for the Plaintiff in the above-captioned
action, hereby verify and state that the Complaint in this matter was served by certified mail,
return receipt requested pursuant to 28 U.S.C. §2410, addressed as follows:
Attorney General
United States of America
U.S. Department of Justice
Main Justice Building
10`h & Constitution Avenue, NW
Washington, D.C. 20530
The original receipts, signed by an agent of the above, are attached hereto as Exhibit A.
I make the foregoing statement subject to the penalties of 18 Pa.C.S. §4904 relating to
unswom falsifications to authorities.
Respectfully submitted,
METTE, EVANS & WOODSIDE
By:
dab6g
Matthew E. Haml , Esquire
Supreme Court I.D. No. 86142
3401 North Front Street
P. O. Box 5950
Harrisburg, PA 17110-0950
(717) 232-5000 - Phone
(717) 236-1816 - Fax
Date: February 7, 2005
Attorneys for Plaintiff
COMMERCE BANK/HARRISBURG,
N.A.,
Plaintiff,
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY,
PENNSYLVANIA
V.
SARA L. MUNIZ and the UNITED
STATES OF AMERICA,
Defendants.
DOCKET NO. 05-531
CIVIL TERM
EXHIBIT A
M
m
ru ..
it
-D di
-D
~ postage $ ,r
n
? Certified Fee
Hem
C3 Retum edepl Fee Postmwk
co (End=-mR" Required)
M RB9Mdetl Delhren( Fee
ul (Endorsemem Required)
f1l Total Postage 8 Fees$ b
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0
NITEQ_ TNtES--a--- /- EP [?--
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PoQ SO box No, a.'-10 --Nl?.-
Ci -
n; State, ZIP+4?i?551i1N ETON C , p ?' O
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¦ Complete items 1, 2, and 3. Also complete
item 4 if Restricted Delivery is desired.
¦ Print your name and address on the reverse
so that we can return the card to you.
¦ Attach this card to the back of the mailpiece,
or on the front if space permits.
1. Article Addressed to:
Attorney General
United States of America
U.S. Department of Justice
Main Justice Building
10th & Constitution Avenue, NW
Washington, D.C. 20530
A. Received by
B. Date of Delivery
C. Signature'
Agent
X FU 1:1 Ad
dressee
D. Is delivery address different from item 1? ? Yes
If YES, enter delivery address below: 0 No
3. Service Type
*-rtifled Mai( ? Express Mail
0 Registered Return Receipt for Merchandise
0 Insured Mail ? C.O.D.
4. Restricted Delivery'? (Extra Fee) 0 Yes
2. Article Number (Copy from service labeo
7002 3150 0006 7726 9283
416221vl Ps Form 3811, Juiy 1999 Domestic Return Receipt 102595.00-M-0952
-ri
'Ar
COMMERCE BANK/HARRISBURG, IN THE COURT OF COMMON PLEAS OF
N.A., CUMBERLAND COUNTY,
PENNSYLVANIA
Plaintiff,
V.
SARA L. MUNIZ and the UNITED
STATES OF AMERICA,
Defendants.
DOCKET NO. 05-531 CIVIL TERM
STIPULATION
It is hereby stipulated and agreed by and between Commerce Bank/Harrisburg, N.A.,
plaintiff and the defendant, United States of America, as follows:
That the premises referred to in the Complaint is owned by the defendant, Sara L.
Muniz.
2. The plaintiff commenced the above-captioned action in mortgage foreclosure with
the filing of a Complaint under Civil Term Docket No. 05-531, and named as defendants, Sara L.
Muniz and United States of America.
3. The parties hereby agree that the United States of America shall, and hereby is,
named as a party in the above action, in accordance with 28 U.S.C. §2410 et sec..
The United States of America hereby accepts service of the Complaint and waives
its right to file an answer or other responsive pleading thereto, and waives any objection it may
have to the judgment entered against the defendants.
5. The United States of America has one tax lien filed against the property which is
subject to the action of mortgage foreclosure, Federal Tax Lien 04-6490, totaling $7,210.82,
entered in the Prothonotary's Office of Cumberland County, Pennsylvania on December 28,
2004.
6. That the Federal Tax Lien referred to in paragraph "5" above in the amount of
$7,210.82 is junior in time to the plaintiff's mortgage set forth in paragraph "5" of the
Complaint.
That the defendant, United States of America, agrees to the entry in this action of
a judgment in favor of the plaintiff and against the United States of America for foreclosure and
sale of the mortgaged property.
8. That the defendant, United States of America, is not indebted to the plaintiff.
9. That the aforesaid premises shall be sold at a judicial sale, notice of which was
served on the defendant, United States of America.
10. That the judicial sale of said property shall discharge the Federal Tax Lien
referred to in paragraph "5" above.
11. That the proceeds of sale shall be divided and distributed as the parties may be
entitled and any funds due the United States shall be sent to the Internal Revenue Service, P.O.
Box 1267, Harrisburg, PA 17108-1267. The check shall be made payable to "United States
Treasury" and shall include the name and social security number of the taxpayer.
12. That the defendant, United States of America, preserves its right of redemption as
provided in Title 28, United States Code, Section 2410(c).
13. The parties to this Stipulation shall bear their respective costs in this proceeding.
METTE, EVANS & WOODSIDE
Dated: i 8p O$
Dated: 0 - (I- Oc--
By: &w" A"
Matthew E. Hamlin, Esquire
Attorneys for Commerce Bank/Harrisburg, N.A.
THOMAS A. MARINO
U d States Art ley
By: (:?: -
Dennis Pfanne lvnidt, Esquire
Chief, Civil Division
Attorney for United States of America
4162020
• •.
t,
SHERIFF'S RETURN - OUT OF COUNTY
CASE NO: 2005-00531 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
COMMERCE BANK/HARRISBURG NA
VS
MUNIZ SARA L ET AL
R. Thomas Kline
, Sheriff or Deputy Sheriff who being
duly sworn according to law, says, that he made a diligent search and
and inquiry for the within named DEFENDANT , to wit:
UNITED STATES OF AMERICA US ATTORNEY GENERAL
but was unable to locate Him in his bailiwick. He therefore
deputized the sheriff of DAUPHIN County, Pennsylvania, to
serve the within COMPLAINT - MORT FORE
On February 10th , 2005 , this office was in receipt of the
attached return from DAUPHIN
Sheriff's Costs: So answers
Docketing
Out of County 6
9. .00
00 `l
'"rte z
Surcharge 10. 00 R. 'Thomas Kline
Dep Dauphin County 26. 25 Sheriff of Cumberland County
.00
51.25
02/10/2005
METTE EVANS WOODSIDE
Sworn and subscribed to before me
this /y day of 7
A. D.
/ Prothonotary'
N
SHERIFF'S RETURN - NOT FOUND
CASE NO: 2005-00531 P
COMMONTWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
COMMERCE BANK/HARRISBURG NA
VS
MUNIZ SARA L 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
TENANT
unable to locate Him in his bailiwick
but was
He therefore returns the
COMPLAINT - MORT FORE
the within named DEFENDANT , TENANT
5 SOUTH FRONT STREET
NOT FOUND , as to
WORMLEYSBURG, PA 17043
THERE ARE NO TENANTS AT GIVEN
Sheriff's Costs: So answers:. _->
Docketing 6.00 _
Service .00
`
Not Found 5.00 r R.
Th omas Kline
Surcharge 10.00 Sheriff of Cumberland County
.00
21.00 METTE EVANS WOODSIDE
02/10/2005
Sworn and subscribed to before me
this __Jej_? day of-4,
2CDS A.D.
9A.
PrAltonotary -?
SHERIFF'S RETURN - REGULAR
CASE NO: 2005-00531 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
COMMERCE BANK/HARRISBURG NA
VS
MUNIZ SARA L ET AL
BRYAN WARD
, Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE was served upon
NUNIZ SARA L
the
DEFENDANT , at 1633:00 HOURS, on the 7th day of February , 2005
at 204 SOUTH FRONT STREET
WORMLEYSBURG, PA 17043
SARA MUNIZ
by handing to
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 18 .00
Service 11 .84
Affidavit .00
Surcharge 10 .00
.00
39 .84
Sworn and Subscribed to before
me this /y day of
1 A.D.
/Prtthonotary
So Answers:
R. Thomas Kline
02/10/2005
METTE EVANS WOODSIDE
By: 01
J D?ut?Sheriff
SHERIFF'S RETURN - REGULAR
CASE NO: 2005-00531 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
COMMERCE BANK/HARRISBURG NA
VS
MUNIZ SARA L ET AL
BRYAN WARD , Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE was served upon
NUNIZ SARA L AS EXECUTIVE OFFICER OF SCULPTURED IMAGES the
DEFENDANT , at 1633:00 HOURS, on the 7th day of February , 2005
at 204 SOUTH FRONT STREET
WORMLEYSBURG, PA 17025 by handing to
SARA MUNIZ
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: So Answers:
Docketing 6.00 /
Service 00
Affidavit 00?
Surcharge 10.00 R. Thomas Kline
.00
16.00 02/10/2005
METTE EVANS WOODSIDE
Sworn and Subscribed to before By:
me this ?k day of Dep y S eriff
??C a ? ov A. D.
Prothonotary ?-
In The Court of Common Fleas of Cumberland County, Pennsylvania
Commerce Bank Harrisburg NA
vs.
Sara L. Muniz et al
SERVE: United States of America No 05-531 civil
Now January 31, 2005
I, SHERIFF OF CUMBERLAND COUNTY, PA, do
hereby deputize the Sheriff of Dauphin County to execute this Writ, this
deputation being made at the request and risk of the Plaintiff.
A
Y
Sheriff of Cumberland County, PA
Affidavit of Service
Now,
within
upon
at
by handing to
a copy of the original
and made known to
So answers,
Sheriff of
COSTS
Sworn and subscribed before SERVICE
rae this ____ day of . 20 MILEAGE _
AFFIDAVIT
20 , at o'clock M. served the
the contents thereof.
County, PA
Mifire Of f4e ,,S4-vriff
Mary Jane Snyder
Real Estate Deputy
William T. Tully
Solicitor
Dauphin County
Harrisburg, Pennsylvania 17101
ph: (717) 255-2660 fax: (717) 255-2889
Jack Lotwick
Sheriff
J. Daniel Basile
Chief Deputy
Michael W. Rinehart
Assistant Chief Deputy
Commonwealth of Pennsylvania COMMERCE BANK HARRISBURG NA
vs
County of Dauphin UNITED STATES OF AMERICA
Sheriff's Return
No. 0222-T - - -2005
OTHER COUNTY NO. 05-531
AND NOW:February 2, 2005 at 2:30PM served the within
CUSTODY upon
UNITED STATES OF AMERICA by personally handing
to PATRICIA WISCOUNT SECRETARY 0 true attested copy(ies)
of the original CUSTODY and making known
to him/her the contents thereof at US ATTORNEY GENERAL
228 WALNUT STREET
HARRISBURG, PA 17108-0000
Sworn and subscribed to
before me this 3RD day of FEBRUARY, 2005
Qlc/
NOTARIAL SEAL
MARY JANE SNYDER, Notary Public
Highspire, Dauphin County
My Commission Expires Sept. I, 2006
So Answers,
Sheri fof Dauphin County, Pa.
}}
Deputy Sheriff
Sheriff's Costs:$26.25 PD 02/03/2005
RCPT NO 203666
PF
Curtis R. Long
Prothonotary
(Off1fC of the Protbonotarp
Cumbprranb QCountp
Renee K. Simpson
Deputy Prothonotary
John E. Slike
Solicitor
-0,5-.5,31 CIVIL TERM
ORDER OF TERMINATION OF COURT CASES
AND NOW THIS 29TH DAY OF OCTOBER 2008 AFTER MAILING NOTICE OF
INTENTION TO PROCEED AND RECEIVING NO RESPONSE - THE ABOVE
CASE IS HEREBY TERMINATED WITH PREJUDICE IN ACCORDANCE WITH PA
RCP230.2
BY THE COURT,
CURTIS R. LONG
PROTHONOTARY
One Courthouse Square • Carlisle, Pennsylvania 17013 • (717) 240-6195 • Fax (717) ')An 4c"')