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HomeMy WebLinkAbout05-0763 McCABE, WEISBERG AND CONWAY, P.C. BY: TERRENCE J. McCABE, ESQUIRE Identification Number 16496 123 South Broad Street, Suite 2080 Philadelphia, Pennsylvania 19109 (215 790-1010 Household Finance Consumer Discount Company P.O. Box 8604 Elmhurst, IL 60126 v. Sally R. Quigley 1520 Lorenzo Street, #B Mount Pleasant, SC 29464 and Gnanachandra M. Chinnah 1017 Walnut Street Lemoyne, P A 17043 Attorney for Plaintiff Cumberland County Court of Common Pleas Number OS' - 7"3 Clu'lL~&~ CIVIL ACTION/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 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 LA WYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA, 17013 800-990-9108 AVISO Le han demandado a usted en la corte. Si usted guiere defenderse de estas demandas ex-puestas en las paginas siguientes, listed tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Hace falta asentar una co:rpa.rencia escrita 0 en persona 0 con un al:x:gado y entregar a la corte en forma escrita sus defensas 0 sus obj eciones alas demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede cont inuar la demanda en contra suya sin previo aviso 0 notificacion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede perder dinero 0 sus propiedades u otros derechos importantes para usted. USTED LE DEBE TOMAR ESTE PAPEL A SU ABOGADO INMEDIATAMENTE. SI USTED NO TIENE A UN ABOGADO, VA A 0 TELEFONEA LA OFICINA EXPUSO ABAJO. ESTA OFICINA LO PUEDE PROPORCIONAR CON INFORMATION ACERCA DE EMPLEAR A UN ABOGADO. SI USTED NO PUEDE PROPORCIONAR PARA EMPLEAR UN ABOGADO. ESTA OFICINA PUEDE SER CAPAZ DE PROPORCIONARLO CON INFORMACION ACERCA DE LAS AGENCIAS QUE PUEDEN OFRECER LOS SERVICIOS LEGALES A PERSONAS ELEGIBLES EN UN HONORARlO REDUCIDO NI NINGUN HONORARIO. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA, 17013 800-990~9108 McCABE, WEISBERG AND CONWAY, P.C. BY: TERRENCE J. McCABE, ESQUIRE Identification Nnmber 16496 123 Sonth Broad Street, Snite 2080 Philadelphia, Pennsylvania 19109 215 790-1010 Attorney for Plaintiff Household Finance Consumer Discount Company P.O. Box 8604 Elmhurst,IL 60126 Cumberland County Court of Common Pleas v. Sally R. Quigley 1520 Lorenzo Street, #B Mount Pleasant, SC 29464 and Gnanachandra M. Chinnah 1017 Walnut Street Lemoyne, PAl 7043 Number 0 s- - C;u~L~8L~ CIVIL ACTION/MORTGAGE FORECLOSURE I. Plaintiff is Household Finance Consumer Discount Company, a corporation duly organized under the laws of Pennsylvania and doing business at the above captioned address. 2. The Defendant is Sally R. Quigley, who is the mortgagor of the mortgaged property hereinafter described, and her last-known address is 1520 Lorenzo Street, #B, Mount Pleasant, SC 29464. 3. The Defendant is Gnanachandra M. Chinnah, who is the real owner of the mortgaged property hereinafter described, and her last-known address is 1017 Walnut Street, Lemoyne, PA 17043. 4. On 06/17/2000, Sally R. Quigley made, executed and delivered a mortgage upon the premises hereinafter described to MBNA Consumer Discount Services, Inc. which mortgage is recorded in the Office of the Recorder of Cumberland County in Mortgage Book 1619, Page 892. 5. On 10/03/2000, the aforesaid mortgage was thereafter assigned by MBNA Consumer Discount Services, Inc. to Household Realty Corporation by Assignment of Mortgage recorded in the Office ofthe Recorder of Cumberland County in Assignment of Mortgage Book 656, page 351. 6. On 05/! 7/200 I, the aforesaid mortgage was further assigned by Household Realty Corporation to Household Finance Consumer Discount Company, Plaintiff herein, by Assignment of Mortgage recorded in the Office of the Recorder of Cumberland County in Assignment of Mortgage Book 675, page 88. 7. On 09/23/2004, the mortgaged premises were sold at an Upset Tax Sale to Defendant, Gnanachandra M. Chinnah. Title vested to Gnanachandra M. Chinnah by deed from Tax Claim Bureau of the County ofCumber]and dated I I/! 2/2004 and recorded I2/!/2004 in the County of Cumberland in Record Book 266, page 2489. 8. The premises subject to said mortgage is described in the mortgage attached as Exhibit "A" and is known 1017 Walnut Street, Lemoyne, PA 17043. 9. The mortgage is in default because monthly payments of principal and interest upon said mortgage due 10/22/2003 and each month thereafter are due and unpaid, and by the terms of said mortgage, upon default in such payments for a period of one month, the entire principal balance and all interest due thereon are collectible forthwith, 10. The following amounts are due on the mortgage: Principal Balance Interest through 0 II3 1/2005 (Plus $ 26.44 per diem thereafter) Attomey's Fee Cost of Suit Appraisal Fee Title Search $ 70,460.21 $ ]6,228.01 $ 3,523.01 $ 225.00 $ 125.00 $ 200.00 $ 90,761.23 GRAND TOTAL 11. The attomey'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 Sherin's Sale. If the mortgage is reinstated prior to the Sale, reasonable attomey's fees will be charged based on work actually performed. 12. Notice ofIntention to Foreclose as required by Act 6 of 1974 (41 P.S. S403) and notice required by the Emergency Mortgage Assistance Act of 1983 as amended under 12 PA Code Chapter 13, et seq., commonly known as the Combined Notice of Delinquency has been sent to Defendants by regular mail with a certificate of mailing and by certified mail, return receipt requested. WHEREFORE, Plaintiff demands Judgment against the Defendants in the sum of $90,761.23, together with interest at the rate of $26.44 per diem and other costs and charges collectible under the mortgage and for the foreclosure and sale ofthe mortgaged property. ~~'-^Vl~ (j, /I1r ~. TERRENCE J. McCABE, ESQUIRE Attorney for Plaintiff VERIFICATION The undersigned, Tracey B. Williams, hereby certifies that she is the Foreclosure Specialist of the action,_I+ol'~" hO IJ ~ \ 1\ CAt, c.....-e . Plaintiff in the within C <.9n.5 . '0 ;-s:..c - G, , and that she is authorized to make this verification and that the foregoing facts are true and correct to the best of her knowledge, information and belief and further states that false statements herein are made subject to the penalties of 18 PA.C.S. ~4904 relating to unsworn falsification to authorities. Aim. W~ Tracey . Wllllams M~~ ...... "", . -7713303 V "~. ....... I MORTG~G~ I . ,:;.)";"~,,'~;<:~;, D IF BOX IS CHECKED, THIS MORTGAGE IS AN OPEN-END MO~Wtf'~3AN~.~~~k.'!l-,'tS:. ~,!,T.:E!l~) ADVANCES. .... "':':::~:'~~"<:"~::I ." \)0 SEf' "8. :~. ~~~.f~~!i;;~~~~iL'::.~/~~~l THIS MOkTGAGE.i1'maCl,,:this day 17TH of JUNE 20 00 , betweeri.tl\O'~6r'tgagor}'" = "i.'~. .,.;)';"; . t.<<":i>'o~t;-'}~ ":;1. - ',,":'.~~:i~':-::.d.-."".{ SALLY R OUIGL.E'y~"',,:;,,:.;;;..,,:;~,:~~~t,.:.'t-.. " 1'1-''''.1......'... <E ...,~..fd>'::t~~~;: .~;-~,~.,:.~~-~,,::':.~~ . . (herein "Bo~r6;ver] and'N6~g1':g~;>"Ms'NA.. CONSUMER SERV ICES. I NC. : '~'.; ~~,~.: ~:~A:~; ~':. ~.:; tl.l'\t'..' a corporation o.!Ga.riiie(t and exi.s!iriglU'lder the laws of DELAWARE 1100 N KING S.TREE.T:. 'WILMrNGToN; DE '9884 (herein "Lender"). . ".' .' .'."': ; , lit' :':-~. rl ; , whose address is . ,. The foUowing p.,r.,raph preceded by a cbecked b9lj. applicable. o WHEREAS, Borrower is indebted to Lender in the principal sum of $ 70. 460 . 21 , evidenced by Borrowe.s Loan Repayment and Security Agreement or Secondary Mortgage Loan Agreement dated JUNE 11. 2000 and' any extensions or renewals thereof (herein "Note"). providing for monthly installments of principal and interest, including any adjustments to the amount or payments or the contract rate if that. . rate is variable, with tbe balance 01 the indebtedness, if not sooner paid, due and payable on JUNE 11. 2030 D WHEREAS, Borrower is indebted to Lender in the principal sum of $ , or so much thereof as may be advanced pursuant to Borrower's Revolving Loan Agreement dated 'and extensions and renewals thereof (herein "Note"), providing for monthly installments, and interest at the rate and under the terms specified in the Note, including any adjustments in the iaterest rate if that rate is variable, and ,proyiding for a credit .limit stated in t~e principal sum above and an initial advance of $ :.., :..: ; .. TO SECURE.to Lender .the repaymeill of (I) the indebtedness evidenced by the Note. with interest thereon, including imY'jncrea.es ir the contract rate is variable; (2) luture advances under any Revolving Loan Agreement; (3) the payment .of. all other.sums, with in1erest thereon, advanced in accordance herewith to protect the security or this Mortgage::'~'iid '(4)." the,performance of. the covenants and agreements of Borrower herein contained, Borrower does hereby mortgage, gran(and.canvey to Lender and Lender's successors and assigns the following. described propert)' lac.~ecl[!g>;he_County?f CUMBERLAND Commonwealth of Pennsylvania: . t, ~';.-:". ~ '., . "~:;r'~~';<" ALL THAT CERTAIN PROPERTY SITUATED IN THE BOROUGH OF LEMoYNE IN THE COUNTY OF CUMBERLAND AND COMMONWEALTH OF PENNSYLYANIA . BEING MORE FULLY DESCRIBED IN A DEED DATED 1212BI1992 AND --- -c' --'-RECoRDEo ,0110411993, AMONG THE -LAND RECORDS' OF THE .COUNTY AND STATE SET F9FlTH ABOYE. IN DEED YDLUME 368 AND 'PAGE 711. .,':./ "l:;_: - ':,-" . :'/".: :.: . ;:;!.~ ': -::, "ill;;-" ,~ C> c: c:> J: ::0 wj.'~ 01..-" nl 0 t,.., ;xI::J "n r ",,~:J ~ ITJ-1 CJ :;r:J :>:1 -0 c'O r-'l . '::3 o""t='i .' ;.:" . 1.>\"....Af... .,'.,_.. .,'''. ',' c:: C/'ip' . '" ,.". :z: n1 . , :~~:.".:,:.:.. ..~:~.~:l:fI:..... .,' 'r" ,,;~,. ';: ~ '5.. ' .. " ..,' "-~. c;.:,j'I'Cl)-- .- J :i . '" ..- "~J;81 . '" :,' " .,: C- =' :z '" o TAX PARCEL 10: 12-21-0267-158 .~. ". " ,t._ . ~ . : : -: .PI.;. ~ .....,.. '. '. - <'. : _. . . _. :._!' ..' H:.!. ~.,!..: : . .. / 01-07-00 MTG', .' '. IIIRlllllUIDllllillallllUl.lllllnllllllllllllllll1 . . ;"~. -OQ65579SOU9SMTGaGOOPAOOI2810..0UIGLEY . OFt I.GIf:JAl rQ.r,i ':1~.-;.i,,....\tl"";,! .....(" " ,. .4..'_ '" ~ ..' .. ." Boo.1619rAGt .:892 . . ,;,.. ~. CJi1 TOGETHER with all the improvements now or hereafter erected on the property, and all easements, rights, "- appurtenances and rents, all. of 'which shall be deemed to be and remain a part of the property covered by this Mortgage; and all of the' foregoing, together with said property (or the leasehold estate if)hjs Martgage is an a leasehold) a~e hereinafter referred to as the "Prop<:rty: -' '. -'_':'. .... ,. . -" ..., ., : ..v BOfroY;~r' co~~~~~~ 'thai:B~ri~weris'la~;f~lly S6isbi of the esta"te h'ereby' co~veyed'an(fhas' the "right to .'moi-tga-ge. "I .... ~"-(':.-'f'."'!1- ...'b" ,(I" h.'_(l.Il"..'~':.r'I:' 'I."'..:" '_. I".; ",;-i .;....~_.J.,:~,._. -','1 . gra~t.and.convey' the Property. a,nd tha.t the p'roP!'r!Y'ls'~nel)cY'1'be,oo, except for encumor~n~~ of .,!'Core). Borrower covenants thai B~r~C:;vier' warr'a1nts arid ~il1'defe'ri(rgerie.r.py"th~ t~Jle. tothe Prop'crty against;aH c1a.i.m'~'aI.1d d,e~~rids, subjecttoencum.~ra~~esofrec~rQ._: ..":t'!::.:.':"" ..-~'.-' " -.:" .-." .......n.~._ . . UNIFORM COVENANTS. BOrrower an'd Lender covenant and agree as follows: ' . ..."" I. Payment .of Principal and Interest at Variable Rates. This mortgage secures all payments of principal and interest due on a' variable rate loan. The contract fate of interest and payment amounts may be subject to change as provided in the Note. Borrowers shall promptly pay when due all amounts required by the Note. 2. Funds far Taxes and Insurance. Subject to applicable law or waiver by Lender, Borrower shall pay to Lender on the"day monthly payments of principal and interest are payable under the Note, until the Note is paid in full, a sum (herein "Funds") equal to one-twelfth of the yearly taxes and assessments (inCluding condominium and planned unit development assessments, if any) which; may attain priarity a\'er this Mortgage and ground rents on the Property, if . any; plus one-twellili oryeirly-premium-iiistallmetits -foTh8z'ar,rinsur,;nce:plus One~iwelfln-6fyeaflfPremium installments for martgage insurance, if any, all as reasonably estimated initially and from time to time by Lender on the basis of assessments and bills and reasonable estimates thereof. Borrower shall nqt be obligated to make such payments of Funds to Lender to the extent that Borrower makes such payments to the halder .of a prior mortgage or deed of trust if such holder is an institutional lender. If Borrower pays Funds to Lender, the Funds.shall be held in an institution the deposits Or accounts of which are insured or guaranteed by a Federal or state agency (including Lender if Lender is such an institution). Lender shall apply the Funds to .pay said iaxes, asSessments, insUrance premiums,and ground rents. Lender may nat charge far so .holding and ipplying:,the Funds,.arialyzing ;.aid ~ccouni"'?r verifyirig 8f)d co~piling said assessmen(s and bil.!s, unless Le~4e~.~~~s B<?r~o~e! i~t~~~;'~~,t~~~up~s~iri(t~~~J~ca~J~, ~a~. ~~ip'ii~ ~~?er,t~.m~k:e SU9h:~'cfi~~ge. Borro'iir and Lender may agree in writlOg,al"the.ti"1e_of.ex~utlan of this.Martg~ge that,.inlOreston.the'Funds.shal\'be paid. to Borrower, and unlesS'such agr~ment'is made' or. applicable law..requires.slJch"interest.io be pa'ia:'Ilnder'shall not be . r~uire(f't~.,PaY 'Bo'rrower any i~ter~t Qr"earn'ings 'on 'the 'Fun"ds: Lenc1er sn!lll giye' to Boirower: ~ithout cnaJrge, an annu,;1 accounting of the 'Fundsshowing 'creditS and (I.bits'to the 'Furias' and thi: 'purpoSe fnr whidh each debit'to the Funds was made. The Funds are pledged as additional security for the sums secured by this Mortgage,' ., If ihe amount of the Funds held by Lender, together" with the future monthly installments of Funds payable prior to the due dates of taxes, assessments, insurance premiums and ground rents, shall exceed the amount required to pay said taxes, assessments, insurance premiums and ground rents as they fall due, such excess shall be, at Borrower's option, either promptly repaid ta Borrower or credited to Borrower on monthly installments of Funds. If the amount of the Funds held by Lender shalt not be sufficient to pay taxes, assessments. insurance premiums and ground rents as they fall due, Borrawer shall pay to Lender any amount necessary to make up the deficiency in one or more payments as Lender may require. . ~ lJpon-payment~i n-full.af.all.sums.secured-by"tpis.Mor-tgage,.Lendershall.promptly ,refund. to,Borrower.any-funds__=_ held by Lender. If under paragraph 17 hereof the Property is sold or the Property is otherwise acquired by Lender, Lender shall apply, no later than immediately prior to the sale of the Property or its acquisition by Lender, any Funds held by Lender at the time of application as a credit against the sums secured by this Mortgage. 3. Application of Payments, Except fnr loans made pursuant to the Pennsylvania Consumer Discount Company Act, all payments received by Lender under the Note and paragraphs I and 2 hereof shall be applied by Lender first in payment of amounts payable to Lender by Borrower under paragraph 2 hereof, then to interest, and then to the principal. 4. Prior .Mortgages and Deed of Trust; Charges; Liens. Borrower shalf perform all .of Borrower's obligations under any .~ortgage,.deed, of :~rust, or, o~h~r ~ufit~ ~greeme~~'.~ith' a.lief! w~ich ~.as :pf.iori~y' ~ver.'.thi~Mortgage, includi!!g. Borrower's.covena~t~, t,o. .make,par.n:enJ,S,.wh"l) d\le. ~~rrower.shall pay .or..cause to. be paid ali taxes, a~m~nts:and,oth.~r charges, f!nes an~.it.t)po~iti,on~ attribut.a~l~.~R ~h.e ~.rqperty., wh~ch.may at.tain a pr~ority over this Mortgage, arid' leasehold payments or ground rents, if anj'. ..,.... . 0.1-0.7.-0.0. MTG PI\001282 -2- (b l.nlllllll.IIRIIIIIIIMllIlIlIlllllnllllllllllll~1fi RQ06S5795OU9SUTGaoaapA0012820M~U'GLEV . ORIGINt\l 11:"-":;1. . ~',..; I.' ~. ~ ,;.r_.. . l' t!' , . t '.l.'\, ... ,:! BooK1619rAGE .893 ~ ~.. .,<;.tf:...- ,l'l,:.(},'" .' .~\'; \~~. r,,~ :'~ .- ,/;:,., 'j~J~t ~T;~V':" _~:I-. 0' ~,; .1.... r.t fi ;~:.r~;.~.l.~." ::":~., e'i -t.,,;' ',. >~, ....;::..-., ':;~ ::..... :":.,' ~ + ., ~r 5. Haz.rd Insurance. Borrower sh.ll keep the improvements now existing or hereafter erected on the Property . insured against loss by fire, hazards included wi~thiq t~.e term "e.xte.!ld~.poverage." and such other hazards a~ Lender may require..~ .'. ". .' _ , . . . "'_,' . . " Th."insurance carrier providing the insurance shall be chosen by the Borrower subject to. approval' by Lender; p~o,:icjed, ~h~.t.~,!ch,approyal sha)! not be unreasona,bly wit.hheld:'AII ins~ran~e Palicies, and' rene~,~l~ th,,~eofshall be in a "form 'actep.table'to' Lender and snall includ.... standara mortgage clause' in favor. orand'in'a form'acceptable to Lender. -~,,'-","f. ,",'-"" .~,_;., . ,- '.,. _,"" . ~., ".". ..'.' .... .....__ """1" " ,-'.. ' Lendersball have the right to hold the policies and renewals.thereof, subject to the terms of any moitgage, dee(! of trust or i , ~ ", '." ',."'" " ',- . '-. " . . . ,,' _' ,", ". ,",J"' _, ," " " .". . ... .'h....' \ othersecurityagreement with a lien which has priority over this' Mortg age: . -:.. .', .;....~ ..... n.'.' In thee,'ent of loss, Borrower shall give prompt notice to !he insuranc~ carrier~n'd Lender. Lendetinay.'milke proof . of lossifnot made promptly by Borrower. . . . . . .. II the Properiy is abandoned by Borrower, or if Borrower fails to resPonq to Lender within 30 days from the date notice is mailed by Lender to Borrower that the insurance carrier'offers to settle a claim for insurance benefits. Lender is authorized to collect and apply the insurance proceeds at Lender's option either to restoration or repair of the Property or to the &u'.l)ssecured by this Mortgage. 6. Preservation and Maintenance orProperty; Leaseliolds; Condominiums; Planned Unit Developments. Borrower shall keep the Property in good repair and shall not commit waste or permit impairment or deterior.tion of the P",perty and s~a)1 comply with the provisions of.any lease il this Mqrtgage is on a leasehold..If this Mortgage is on a unit in a condominium' or a planned unit development, Borrower shall Perform all of Borrower's obligations under the . declaration or covenants creating or governing the condominium or planned unit development, the by-laws and regulations of the condominium or planned unit development, and constituent documents. 7. Protection of Lender's Security. If Borrower f.i1s to perform the covenants aQd agreements'contained in this . Mortgage, or if any action or proceeding is commenced which materially .ffects Lender's interest in the Property, then .Lender, at Lender's option, upon notice Jo Borrower, may make such appearances. disburse such sums, including reasonable attorneys' fees. and take such action as is necessary to protect.Lender's interest.' ", ~. Any amounts disbursed by Lerider pursuant to this paragraph 7, with i"ierest thereon, .at the .contract" rate;'sl1all .'l>ecome additional indebtedneSs of BOrrowersecureiJ-by .thisMo':tgage:Unl.ss'Btirrower irid Lender agr~ iDother ter)ns -" ....... \: '-' ,... ,., ., . , '-. . - . i'l -. . ,'W '. f"" ,\ ""l 1-' \ I ..'n....... '_' of payment, sUch amounts shall be'payaole upon notice from Lendono .BOrrower requesting 'payment thereof: Nothing ~)c~n\8ined 'i~- this paragraph 7 s~aii'require ~iidet~o incur any'ex~;or take.any action h'ereundef' .:.....~~..I '!n:-: -'.": .f. I : . '. . '. 8.J6spection:,' LendeF rnay~;'take!or: ciluse'tc) ~:iria'de're'a;ori~bl{enine~tupon 'ana'iosPeciibns'ofthe Pro~rty, l' pt()V'lded.ttiiii'L6nder-' shal i' gi Vel Borro,we-r'"'notice" ~rir;r to ariy-'suc~ inspection'spedfyGig'rcssanabie' c'aooe"thtrefq.;"i-'elated "ibtender;s'interes1:'in'thePfcip~iiy',""":' ..;. ":' '_'l~ " ; -,~' ~~ .>. .u,. ...."': , ;" ::.';' ..; [.I' ':;",..1.: _"<_ 9. Condeinn.tion. The p~oceedso( aity award or ciai m for damages, direct 6': consequential, i~ connection wiih any . condemn.tion or other taking of the Property, or part thereof, or for conveyance in lieu of condemnation, are hereby . assigned and shall be paid to Lender, subject to the terms of any mortgage, deed of trust or other security agreement with a ' lien which has priority over this Mortgage. '. 10. Borrower Not Released;' Forbearance By Lender Not a Waiver, Extension of the time for payment or modification of amortization of the sums secured by this Mortgage granted bf Lender to any successor in interest of Borrower shall not operate to release, in any manner, the liability of the original Borrower and Borrower's successOrs in inter~t. Lender shaH not be req~i~ed to commence proceedings against such successor or refuse to extend time for '~pa:fment'or.otherwise"rriodify amortizationof die sums secured by this~Mort"gige:by 'reaSOn' of any dem'and mace by the original Borrower and Borrower's successors in interest. Any forlle.rance by Lender in exercising any right or remedy hereunder, or otherwise afforded by appHcable law. shall not be a waiver of dr" preclude the exercise of any such right or remedy. II. Successors and Assigns Bound; Joint and Several Liability; Co-signers. The covenants .nd agreements . herein'contained shall bind, and the rights hereunder shall inure to, the respective successors and assigns of Lender and 'Borrower, subject to the provisions of paragraph 16 hereof. All covenants and agreements of Borrower shall be joint and several. Any Borrower who co-signs this Mortgage. hut does not esecute the Note, (a) is co-signing this Mortgage only to mortgage, grimt and con,-:ey that Barrower~s ioterest in the ProPert)' to Lender under the .terms of this Mortgage,(b) is not "personally Iiable'on the'Note or under this Mortgage: and'(c)agrees'tbat Lender-and'anyother-Borrower~~ri:under may "agree to extend, modifY, forbear, or make any other accom.modations.with:regard:to the terms'"f this'Mortgage or the 'Not,;:without' thai 'BOrrower's consent 'and without 'releasingjliat 'Borrower'or"modif)'ing ibi;' Mo~igige'lis'to that Borrower's interest in the Property. . ','1_.:.:'_.;',''':''_ ". .~,. .' '.. .., ,,' ..,',.,~:......"-.I_ oi"o'i:oo MTG ',~" .: PAoll1'2&3 1~IHunIIIIIIIIIIlIllIRllIIIIIIIIIIUllllm ~a06557950U9SMTG8000PAOO'~830..QUIGlEY . OR1GI~l ?pn [11 ..... ... .-..... .1a.;'1:,. '.~'.f W'Z.R 8ooK1619~.~ .694 !.,..'::;". -4- r .. 12. Notice. Except for any notice required under applicable law to be given in another manner, (a) any notice to' "J Borrower'provided for in this Mortgage shall be given by delivering it or by mailing such notice by certified mail . addressed to BorTower at the Property Addressor at such other address as Borrower may designate by notice to Lender as , provided'lierein, arid (b) any notice to 'Lender shall be gi ven by certified mail to Lender's address stated herein or to such , otheraddroSs as Leiidermay designate by notice to Borrower as provided herein. Anynotice,provided forin this Mortgage '1~'sh811 bedeemoo to-have been given to Borrower orl~ender when:given in'the~manner,d~ignated herein;., ...~, ~~: -.,;.ri.,", .~". ...; ';.'i3:6<iv~rning 'Caw; Severabilify.'Thestate'and local laws applicable:to tlii, Mortgage. shall be the:lawscof. the :' jurisdictio;liiilwliich the Property is located. Theforegoing sentericeshall not'limitthe applicability of Federal.law:to:this . Mortg~ge. In the everit that ariy provisi'on or Clause 'of this Mortgage or the Note conflicts with applicable law,sueh conflict shall not affect other provisions of this Mortgage or the Note which can be gi yen effect without the conflicting-provision. and to this end the provisions of this. Mortgage and the Note are'declared to be severable. As used herein, "costs," "expenses" and "attorneys' fees" include all sums to the extent not prohibitedby applicable law orlimited herein. 14. Borrower's Copy. Borrower shall be furnished a conformed copy of the Note and of this Mortgage at the time of executiOllar afteuerordation hereof. 15. Rehabilitation Loan Agreement. Borrower shall fulfill all of Borrower's obligations under any home rehabiJitation, improvement, repair. or other loan agreement which Borrower enters into with Lender. Lender, at _4nder~s option..may.require.Borroy,,'er to.exec::ute and ~liver.tooLender,.in.a"rorm.acccptable to Lender, an assignment of any rights, claims or defenses which Borrower may have against parties who supply labor, materials or services in connection with improvements made to the Property " 16. Transfer of the Property. If Borrower sells or transfers all or any part of the Property or an interest therein, excluding (a) the creation of a lien or encumbrance subordinate to this Mortgage, (b) a transfer by devise, descent, or by operation of law upon the death of a joint tenant, (c) the grant of any leasehold interest of three years or less not containing an option to purchase, (d) the creation ala purchase money security interest for household appliances, (e) a transfer to a relative resulting from the death of a BorTower, (f) a.transfer where.the spouse or children of the BorTower become an owner of the property, (g) a transfer resulting fro,!, a decree of dissolution of marriage, legal separation agreement, or C 'from an incidental'prop.,rty ";itlerrieni'agreeinent; ,by ivhich .the spouse'Of the ,Borrower. becolTies an lowner of the property, (h) a transfer into an"ihter.vivos trust'irfwhich-the Borrower'isoand"remainsa1beneficiary"and:which"dbes not relate to a transfer of rights of occupancy in the property. or (i) any other transfer or disposition described in regulations prescribed by the Federal Home Loan Bank Board, Borrower shall cause to be submitted information required by Lender to evaluate the transferee as if a new loan were being made to the transferee. Borrower will continue to be obligated under the Note and this Mortgage unless Lender releases Borrower in writing. If Lender does not agree to such sale or transfer, Lender may declare.ll of the sums secured by this Mortgage to be immediately due and payable. If Lender exercises such option to accelerate, Lender shall mail Borrower notice of acceleration in accordance with paragraph 12 hereof. Such notice shal! provide a period of not less than 30 days from the date the notice is mailed or delivered within which Borrower may pay the sums declared due. If Borrower lails to pay such sums prior to the expiration of such period, Lender may, without further notice or demand on Borrower. invoke any remedies permitted by paragraph 17 hereof. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows, 17. Acceleratjon; Remedies. Except as provided in paragraph 16 hereof, upon Borrower's breach of any c"bve"nant of"a-gieement';'of Borrbwer'jnthis'M6rtgage:-in'c1uaing-the~c6Vciimt5l6 pay when due~riy sums secured by this Mortgage, Lender prior to acceleration shall give notice to Borrower as provided in paragraph 12 hereofspecifying: (I) the breach; (2) the action required to cure such breach; (3) a date, not less than 30 days from the date the notice is mailed to Borrower, by which such breach must be,cured; and (4) that failure to cure such breach on or before the date specified in the notice may result in acceleration of the sums secured by tbis Mortgage, foreclosure by judicial proceeding, and sale 01 the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure proceeding the nonexistence of a default or any other defense of Borrower to acceleration aod foreclosure. II the breach is not cured on or belme the date specified in the notice, Lender, at Lender's option, may declare all of the sums secured by this Mortgage to be immediately due and payable without further demand and may foreclose this Mortgage by judicial proceeding. Lender shall be entitled to collect in such proceeding all expenses of foreclosure, including, but not limited to, reasonable attorneys' fees ~nd c.o~ts of documentary evidence, abstracts and title reports. ~A., 7 " .. 0; -07-00 MTG .; ~ PA0012.. l.anllllllnl.IIIINllllllllllilllllll.il~ ~Q06557950U95MTG8000PA001~840..QUIGlEY ORIGINAL 1:.:~ . {l!"!;" .. .....\:,. {'. l,l;o' (,:- ..1 <(.~ {. Bood€19 rAGE .895 :' ~t:~;\;'r~~~" :""\~.,\~':}t '..:~,~/("";~~;:~:!::J~~ "J.r.~,~' , ',", . jOl." , :1'." ":, ~ -5- 1';-4 :;1' 18. "Borrower's Right to Reinstate. Notwithstanding Lender's acceleration of the sums by this Mortgage due . to Borrower's breach, Borrower shall' have ,th,e; right to have"~~y,,p'roceedings begun by Lender to enforce this Mortgage discontinued at any time prior .to entry of a judgment e~(orcing this Mortgage if: (a). Borrower pays ..Lender. all' sums which would'be then due.under.thi~ Mortgage,and,.t!>e,Note had.no.ac~~I.~ration..occurred; (b) ",Borrower"cures' all::breaches 'of: any other.lcovenan~ or, agreem:ents:.of:-.Borrower..cqn~a~~ed .:In-,,th!~~~~9!!gage:;'(c} Borrower pays alllfeasonable expenses incurred ,by: Lender .in.enforcing:the .cpvenan~ and: ~g~eern~p~:oJ:I}o~i-.9y1er .. coinained in' this 'Mortgage. and. in enforcing .bender:s remedies,as Proyide,l;ill:pa.ragraph.;)7 'l\er1"'I"inc.luqing, but . 'not 'Iimited;to:.reasonabJe.attorneys' fees;,.nd (d)' Borrowe(:takes such.action;as Len4ermay' r~ona"ly:r."9u\~~.:to "assure that. the lien'of this' Mortgage; Lender's interest in the Proper.ty and Borrower's obliga.!ion. to :pay' t~e..sums . secured by this Mortgage shall continue unimpaired. Upon such payment. and cure by Borrower, this .Mortgage and the obligations s~ured hereby shall remain in full force and effect as if no acceleration had occurred. 19. Assignment of .Rents; Appointment of Receiver. As additional security hereunder, Borrower hereby assigns.to.Lender. the:rents of the PiopehY, provided that Borrower shall, prior to acceleratioo under paragraph 17 hereof, in abandonment of the Property, have the right to collect and retain such rents as they become due and payable: . Upon acceleration under paragraph 7 hereoF or abandonment of the Property, Lender shall be entitled to have ....a receiver appointed by.a court .to enter..upon".~_ke,possessiQ.n of an4.",anage,the.ProP.!'rty. an".t~.col.l.~t theEents of the Property including those past due. All ,rents collected by the receiver shall be applied first to. payment of the costs of management of the Property and collection of renrs, including, but not limited to,. receiver's fees, premiums on receiver's bonds and reasonable attorneys' fees, and then to the sums secured by this Mortgage. The receiver shall be liable to account only for those rents actually received. 20. Release. Upon payment of all sums sec~red by this Mortgage, Lender shall release this Mortgage without . charge tc?',Borrower.:Bo~r~wer shall pay all costs of r~or4~ti~n. ,~f.8ny./. I . ,.!". - , ' . 21: Waiver of Homestead. Borrower hereby waiv'es all right.of.homestead~xemptjon in the Property. under . stateor....FederaJJaw...... ."..:....... ~'- .. ....~..'.. 'I' ;<I'~' ...:: .::...' ,:-.: .p"';::~' . ~~ ..~. -22r ~Dt~!est Ra~e After .Judgm~nt.~ Borro;"e;r .agr~~~~. ~~ter~~.:i:aie-'p.~Y~~I.~ ~~r:ter~~':P!dgp~~~~,)~ i~i~i~,;on . , the Note .or. moan ,actiOn of .mortgage...rQrect9Sure:~lwlJ :~. ttl.~ ,~tc:,~~t~ :1.n,.~i)e!N~~~. qj:": ",: ;... '" ~i ~. ... n ..,. _....... ..~.:;';.)~F:;:.::~.:.:::p,:~,;.~.;;.~:::~::.T ,:~::Ci:'~T::~.~".~i'!~.1,::.,~..:, L~,..~~r: ,?::::;':~::):'~::'_".~i':+; .~~> ~:~i':J;~i~D~!~:J; . " ..\ ~.' . ~ I . :.il," :;' ;,1' . '. : )\ , 1 ! ~ , ,rt" j ~.H t , - ~'. ,'. " .~., . ,t...~ "_..'~.'.:.;:~: ....?- ....,~... .....-~ ~- :;,.. ~;.:.. i"._. ."- ~ .'C>.'"": f'. ;~t:~ ~ -: ......- . ,"\ .:;.. ~. ~.:.'::-- E ,..;~;::. ;~:':;"'.:' ".J,': .':~.. _ . ',;,.':::.;:. '. '. ~ ~.?-1. .' .....-:/~:t '..~'.:, ;' ~'.:: 'i.:'~',' n':, ' ':', .. 0 ,. .....~ ":,.-:,,. . ,~,,,:);':\;' \,:::~~:/~. ::,\?;:l~ :i;:;~"::),':~.E<f<:"~>~::' o,-oi~'oo MTG ...' '", l)t . ,V.I :. ; .PA~01285 . u. _' . ... I':"",' _'~': IIIIIIIIWIIIIII.WIIIIIIIIIIIIIIIII MQ06SS19S0u95MTGBOOOPMOl2850IttlQUIGlEY....:; ~ .'*J'~'. OR'GI~ll:._~~f.. . 'I~~ .t.: ':':~-.t'J ; \ .-. " ,il;:~.. Fg;L: r~l.~ oJ.1 .~ . "; ','" ~,. 7.'\ \ I '" ~ I; ,", - . -.. - . - 'Bood619 i'Aii .896 . ., ~ -6- '-,. ., " REQUEST FOR NOTICE OF DEFAULT AND FORECLOSURE UNDER SUPERIOR MORTGAGES OR DEEDS OF TRUST: Borrower and Lender request the holder of any mortgage, deed of trust or other encumbrance with a lien which has priority over this Mortgage to give Notice to Lender, at Lender's address set forth on page one of this Mortgage, of any default under the superior encumbrance and of any sate or other foreclosure action. ~~u~ ALL Y R UIGLEY ao"ower -,^._-..-~- " - ---.- - . ~-.- ". .....,'-_..._~. ..- " -'- .;;,.-'" ~Borrowet I hereby certify that the precise address of the Lender (Mortgagee) is: MBNA 1100 N KING STREET WILMINGTON On behalf of the Lender. By: ~~V'i'\. . N\~OO /LooL.. COMMONWEALTHOFPENNS VANIA,' (..,,,,,,'oerIP\l'\.l. I KA"'~ M.. ""oS~\\.er , SALLY R QUIGLEY personally known to me to be the same person(s) whose name(s} is subscribed to the foregoing instrument, appeared before me this day in person, and acknowledge that_she _ signed and delivered the said instrument as her free voluntary act, for the uses and purposes therein set forth. CONSUMER DE 1984 Title: ! SERVICES, INC. County r;s: , a Notary Public in and for said county and Slate, do hereby certify that My Commission expires: , 200lL. Given under my hand and official seal, this ... -. Nolanal Seal PublIC ~, l(aJaIo\:lo\OS\O:~:a-OUnIY"~-' M con::;.~= E.plres July 14, 2001 " :,....~I'~ O~fll'1~N3T'1la ~soM:'It!l"lr .;! N(lt~r\es This instrument was prepared by: _.,"".~.,-~ _.- ...... -:;;"- HOllSEHOLD FINA CE CORPORATION 25 Gateway Drive. Suite 107 NItAA lalOUbLu. IJ. ~r.1li055 "O';~Oi:OO"MTi; .- .--- -- - ~. PA00128G e BooK1619 rACt ..897 ...n') "~(.)". DESCRIPTION ALL THA T CERTAIN lot of land situate in the Borough of Lemoyne in the county of Cumberland and Commonwealth of Pennsylvania, bounded and described as follows, to wit: BEGINNING at a point on the Northern line of Walnut Street at the Western line of lands now or formerly of Harold D. Wolfe, which point is opposite the partition wall between the house erected on the premises herein described and the house on premises adjoining to the East; thence South seventy- four (74) degrees forty-four (44) minutes West along the Northern line of Walnut Street twenty-six (26) feet to a point on the line of land now or formerly of Frank Adams; thence along the last-mentioned line North eighteen (18) degrees three (3) minutes West one hundred thirty-one and seventy-two hundredths (131.72) feet to Pennsylvania Avenue; thence North sixty-eight (68) degrees East along the Southern line of Pennsylvania Avenue twenty (20) feet to a stake at the line of the aforesaid Wolfe land; thence along said Wolfe land South twenty-three (23) degrees forty-seven (47) minutes East seventy-four and forty-nine hundredths (74.49) feet to the rear wall of the frame dwelling house erected on the within-described premises; thence through the center of the partition wall between the house erected on the within-described premises and that erected on the land adjoining to the East South sixteen (16) degrees forty-nine (49) minutes East sixty and thirty hundredths (60.30) feet to the Northern line of Walnut Street, the place of beginning. HAVING thereon erected the Western portion of a two and one-half story frame dwelling house known as Number 1017 Walnut Street in the Borough of Lemoyne in the County of Cumberland and Commonwealth of Pennsylvania. Tax Parcel #12-21-0267-158 .. N (J "'0. *- '\- 0 '- Ul Crt ~~~ ~~p:::: Y- c~' f\ " ~_; !~_. \2J CJ ri".' .'1" - c,; -0 :3: .' r~ - ( HOUSEHOLD FINANCE CONSUMER DISCOUNT COMPANY, Plaintiff v. SALLY R. QUIGLEY and GNANACHANDRA M. CHINNIAH, Defendants IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA CIVIL ACTION - LAW 05-763 CIVIL TERM PRAECIPE TO ENTER APPEARANCE To Curtis R. Long, Prothonotary: Please enter my appearance on behalf of the Defendant, Gnanachandra M. Chinniah, in the above captioned case. Date: March is , 2005 Respectfully Submitted, IRWIN & McKNIGHT Douglas Miller, Esquire Supreme Court I.D. No. 83776 West Pomfret Professional Building 60 West Pomfret Street Carlisle, Pennsylvania 17013-3222 (717) 249-2353 CERTIFICATE OF SERVICE I, Douglas G. Miller, Esquire, do hereby certify that I have served a true and correct copy of the foregoing document upon the persons indicated below by first class United States mail, postage paid in Carlisle, Pennsylvania 17013, on the date set forth below: TERRENCE J. McCABE, ESQUIRE McCABE, WEISBERG AND CONWAY, P.C. 123 SOUTH BROAD STREET SUITE 2080 PHILADELPHIA, PA 19109 Date; March 15,2005 IRWIN & McKNIGHT Douglas . Miller, Esquire Supreme Court LD. No. 83776 West Pomfret Professional Building 60 West Pomfret Street Carlisle, Pennsylvania 17013-3222 (717) 249-2353 2 .,.\ ------- SHERIFF'S RETURN - NOT FOUND CASE NO: 2005-00763 P COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND HOUSEHOLD FINANCE CONSUMER DIS VS QUIGLEY SALLY R ET AL R. Thomas Kline ,Sheriff or Deputy Sheriff, who be ng duly sworn according to law, says, that he made a diligent seare and inquiry for the within named DEFENDANT QUIGLEY SALLY R b was unable to locate Her in his bailiwick. He therefore returns t e COMPLAINT - MORT FORE , NOT FOUND , as to the within named DEFENDANT , QUIGLEY SALLY R 1017 WALNUT STREET LEMOYNE, PA 17043 PER POST OFFICE, DEFENDANT MOVED AND LEFT NO FORWARDING. ....-- Sheriff's Costs: Docketing Service Not Found Surcharge 18.00 11.84 5.00 10.00 .00 44.84 So an~wers+~ _., ~~. - .... -------~>-...-<" ~, ~-,,-~.;r-=- R. Thomas Kline Sheriff of Cumberland County MCCABE WEISBERG CONWAY 02/15/2005 Sworn and subscribed to before me this L; day of ~ ,Q?p""l/~A.D. ~ ML 'i')..-t...,. ~ ~ . Prothonotary " SHERIFF'S RETURN - NOT FOUND CASE NO: 2005-00763 P COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND HOUSEHOLD FINANCE CONSUMER DIS VS QUIGLEY SALLY R ET AL R. Thomas Kline ,Sheriff or Deputy Sheriff, who heing duly sworn according to law, says, that he made a diligent sea ch and inquiry for the within named DEFENDANT CHINNAH M GNANACHANDRA put was unable to locate Her in his bailiwick. He therefore returns the COMPLAINT - MORT FORE , NOT FOUND , as to the within named DEFENDANT , CHINNAH M GNANACHANDRA 1017 WALNUT STREET LEMOYNE, PA 17043 PER POST OFFICE, DEFENDANT MOVED AND LEFT NO FORWARDING. Sheriff's Costs: Docketing Service Not Found Surcharge 6.00 .00 5.00 10.00 .00 21.00 So answers:.-- ~.' --=-- ::.::;:-....::--" ( ~.. /" ~=-~- _/--~~=-://~- ------~~ / -'>"--~~-----~';-::-;~-------::-'------- --~ .' - R. Thomas Klin~ Sheriff of Cumberland County MCCABE WEISBERG CONWAY 02/15/2005 Sworn and subscribed to before me this L/ day of ;7J)zA/A ry70Cll'----'A. D. j""; = z:rL '")'}~- Prothono ary SHERIFF'S RETURN - REGULAR CASE NO: 2005-00763 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND HOUSEHOLD FINANCE CONSUMER DIS VS QUIGLEY SALLY R ET AL BRIAN BARRICK Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according 0 law, says, the within COMPLAINT - MORT FORE CHINNAH M GNANACHANDRA DEFENDANT was served upon th , at 1835:00 HOURS, on the 23rd day of March 2005 at 506 ERFORD ROAD CAMP HILL, PA 17011 GNANACHANDRA CHINNAH by handing to a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents t ereof. Sheriff's Costs: Docketing Service Postage Surcharge 18.00 11.10 .37 10.00 .00 39.47 So Answers: -~ a,.~pII' -r ....;r.O.;.'.,.,....' A/4 ,,,,,.":-::: ,;:,:~~:,~~,;...!' R. Thomas Kline 03/23/2005 MCCABE WEISBER CONWAY me this Sworn and Subscribed to before By: ~ ~{{ day .;) 6.,-' of A.D. i , ~~ Deputy Sheriff HOUSEHOLD FINANCE CONSUMER DISCOUNT COMPANY Plaintiff, : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYL VANIA NO. 2005-763 CIVIL TERM v. SALLY R. QUIGLEY and GNANACHANDRA M. CHINNIAH Defendants. CIVIL ACTION NOTICE TO PLEAD You are hereby notified to file a written response to the Preliminary Objection under Rule 1028(a)(l), within twenty (20) days from service hereof or a judgment may be entered against you. IRWIN & McKNIGHT Douglas . Miller, Esquire Supreme Court I.D. No. 83776 West Pomfret Professional Building 60 West Pomfret Street Carlisle, Pennsylvania 17013 (717) 249-2353 Date: April 12, 2005 HOUSEHOLD FINANCE CONSUMER DISCOUNT COMPANY Plaintiff, : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA NO. 2005-763 CIVIL TERM v. SALLY R. QUIGLEY and GNANACHANDRA M. CHINNIAH Defendants. CIVIL ACTION PRELIMINARY OBJECTION OF DEFENDANT CHINNIAH TO PLAINTIFF'S COMPLAINT AND NOW this 12'h day of April, 2005, comes the Defendant, GNANACHANDRA M. CHINNIAH, by and through his attorneys, Irwin & McKnight, and make the following Preliminary Objection to Plaintiff's Complaint, and in support thereof avers the following: I. Preliminary Objection for Improper Service of a Writ of Summons or Complaint Pursuant to Pa. R. Civ. P. 102S(a)(1). 1. Plaintiff, Household Finance Consumer Discount Company, filed a Civil Action/Mortgage Foreclosure (hereinafter the "Complaint") on or about February 10, 2005, commencing the instant action. 2. Plaintiff seeks to foreclose upon the property located at 1017 Walnut Street, Lemoyne, Cumberland County, Pennsylvania (hereinafter the "Property"). 3. Defendant Gnanachandra M. Chinniah is named as a party to this action as a result of his purchase of the Property at a Cumberland County Upset Sale held on September 23, 2004. 4. The deed from the Cumberland County Tax Claim Bureau was duly recorded in the Cumberland County Recorder of Deeds in Deed Book 266, Page 2489. 2 5. Pa.R.C.P. Rule 410 (a) provides that original process in actions involving liens upon real property shall be served in accordance with Rule 400 et seq. 6. Pa.R.c.P. Rule 400 (a) provides that original process shall be served within the Commonwealth of Pennsylvania by the sheriff, with certain exceptions not applicable in this matter. 7. Pa.R.c.P. Rule 401 (a) provides that original process shall be served within the Commonwealth within thirty (30) days from the filing of the complaint. 8. Defendant Chinniah was served by sheriff with the Complaint on March 23, 2005, which time is more than thirty (30) days from the date of filing. 9. Plaintiff did not seek to reinstate the Complaint as provided in Rule 40 1. 10. Because of the failure of Plaintiff to serve the Complaint in accordance with the above-stated Rules of Civil Procedure, Defendant Chinniah preliminarily objects to the service of the Complaint in accordance with Rule 1028 (a)(I). WHEREFORE, Defendant Gnanchandra M. Chinniah respectfully requests this Honorable Court to dismiss Plaintiffs Complaint. Respectfully Submitted, IRWIN & McKNIGHT By: Dated: April 12, 2005 Douglas . Miller, Esquire Supreme Court ill # 83776 West Pomfret Professional Building 60 West Pomfret Street Carlisle, Pennsylvania 17013 (717) 249-2353 Attorney for Defendant Chinniah 3 CERTIFICA TE OF SERVICE I, Douglas G. Miller, Esquire, do hereby certify that I have served a true and correct copy of the foregoing document upon the persons indicated below by first class United States mail, postage paid in Carlisle, Pennsylvania 17013, on the date set forth below: Terrence J. McCabe, Esquire McCabe, Weisberg and Conway, P.C. 123 South Broad Street, Suite 2080 Philadelphia, PA 19109 Attorney for Plaintiff Sally R. Quigley 1520 Lorenzo Street. #B Mount Pleasant, SC 29464 Defendant Date: April 12, 2005 IRWIN & McKNIGHT Douglas G Miller, Esquire Supreme Court LD. No. 83776 West Pomfret Professional Building 60 West Pomfret Street Carlisle, Pennsylvania 17013-3222 (717) 249-2353 Attorney for Defendants 0 ...., C::::CI () , c...'"? .:.rt -n ~> ::;J ..~". c- hi :;:v -r'" f N -':-J " .' .r.- - :2 r~' -.I - McCABE, WEISBERG & CONWAY, P.C. BY: BONNIE DAHL, ESQUIRE Attorney J.D. No. 79294 123 South Road St., Suite 2080 Philadelphia, P A 19109 (215) 790-1010 HOUSEHOLD FINANCE CONSUMER DISCOUNT COMPANY COURT OF COMMON PLEAS CUMBERLAND COUNTY PLAINTIFF, vs. DOCKET NO. 2005-763 CIVIL TERM SALL Y R. QUIGLEY and GNANACHANDRA M. CHINNIAH DEFENDANTS ORDER AND NOW, this day of , 20 , it is hereby ORDERED AND DECREED that the Preliminary Objections filed by the Defendant, Gnanachandra M. Chinniah, by and through her counsel of record, Douglas G. Miller, Esquire, are dismissed and Defendant is ordered t file a responsive pleading within 20 days of the date of this ORDER. J. McCABE, WEISBERG & CONWAY, P.C. BY: BONNIE DAlll" ESQUIRE Attorney I.D. No. 79294 123 South Road St., Suite 2080 Philadelphia, P A 19109 (215) 790-1010 Attorney for Plaintiff HOUSEHOLD FINANCE CONSUMER DISCOUNT COMPANY COURT OF COMMON PLEAS CUMBERLAND COUNTY PLAINTIFF, DOCKET NO. 2005-763 CIVIL TERM vs. SALLY R. QUIGLEY and GNANACHANDRA M. CHINNIAH DEFENDANTS RESPONSE OF PLAINTIFF TO PRELIMINARY OBJECTIONS FILED BY THE DEFEND NT TO PLAINTIFF'S COMPLAINT And now, comes the Plaintiff, Household Finance Consumer Discount Company ("Household" , by and through its counsel of record, McCabe, Weisberg & Conway, in response to the Preliminary Objec ions filed by the Defendant, Gnanachandra M, Chinniah, to aver as follows: I. Preliminary Objection for Improper Service of a Writ of Summons or Complaint Pursuant to Pa.R.Civ.P. 1028(a)(l). I. Admitted. 2. Admitted. 3. Admitted. 4. Admitted. 5. Admitted. 6. Admitted. 7. Admitted. 8. Admitted in part and Denied in part. It is admitted that the Sheriff served the Plain 'ffs Complaint on Defendant on March 23, 2005. It is denied that it was served more than thirty (30) d s from the date of filing. Specifically, Plaintiff reinstated its Complaint with the Court on March 18,20 5. Therefore service of the Complaint on March 23, 2005 was proper service in accordance with Pa.R.Ci .P 401(b)(1). A true and correct copy of the reinstated Complaint is attached hereto as Exhibit "A." (marked reinstated on the back of the last page of the Complaint) 9. Denied. See Exhibit "A." 10. Denied. Specifically, Plaintiff served its Complaint in accordance with the Rules of Civil Procedure. WHEREFORE, the Plaintiff respectfully requests that this Honorable Court dismiss the Defendants' Preliminary Objections to Plaintiffs Complaint and that they be Ordered to file a substa IVe Answer to the Plaintiffs Second Amended Complaint in Mortgage Foreclosure within twenty (20) da s. McCABE, WEISBERG & CONWAY, P.C. BY~~;>~ 'Bonnie Dahl, Esquire Attorney for Plaintiff EXHIBIT "A" I McCABE, WEISBERG AND CONWAY, P.c. BY: TERRENCE J. McCABE, ESQUIRE Identification Number 16496 123 South Broad Street, Suite 2080 Philadelphia, Pennsylvania 19109 215) 790-1010 Household Finance Consumer Discount Company P.O. Box 8604 Elmhurst, IL 60126 v. Sally R. Quigley 1520 Lorenzo Street, #B Mount Pleasant, SC 29464 and Gnanachandra M. Chinnah 1017 Walnut Street Lemoyne, P A 17043 Attorney for Plaintiff Cumberland County Court of Common Pleas Number OK - 'fW CIVIL ACTIONIMORTGAGE FORECLOSURE NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you llllSt 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 troney or property or other rights important to you. YOU SHOULD T AK.E THIS PAPER TO YOUR LA WYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING ALA WYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THATMA Y OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. AVISO Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas ex-pue tas en l<i"s paginas siguientes, usted tiene vein (20) clias de plaza al partir de la fecha de la de y la notificacion. Hace falta asent r una catparencia escrita 0 en persona 0 ccn un ado y entregar a la corte en forma es=ita sus def sas 0 sus objeciones alas demandas en contr de su persona. Sea avisado que si usted no se de iende, la corte tomara medidas y puede contin ar la demanda en contra suya sin previo a isa 0 notificacion. Ademas, la corte puede de idir a favor del demandante y requiere que usted umpla con todas las provisiones de esta demanda. Usted puede perder dinero 0 sus propiedades otros derechos importantes para usted. USTED LE DEBE TOMAR ESTE PAPE A SU ABOGADO INMEDIA T AMENTE. SI UST D NO TIENEAUNABOGADO,VAAOTELEFO EALA OFICINA EXPUSO ABAJO. ESTA OFIC A LO PUEDE PROPORCIONAR CON INFORM TION ACERCA DE EMPLEAR A UN ABOGADO SI USTED NO PUEDE PROPORCIONA PARA EMPLEARUNABOGADO,ESTAOFICINA UEDE SER CAP AZ DE PROPORCIONARL CON INFORMACION ACERCA DE LAS AG NCIAS QUE PUEDEN OFRECER LOS SER ICIOS LEGALES A PERSONAS ELEGIBLES N UN HONORARIO REDUCIDO NI NI GUN HONORARIO. Cumberland County Bar Association 2 Liberty Avenue 'Cumberland County Bar Association Carlisle. PA, 17013 TPU~:: f'''OPY r;:RO'~" R, ~~ Avenue 800-990-910B ' ,,- ~, . .. . .~J ~!\.::Mi-5.~"re": FA 17013 in T ,~..,~~;i,-,,;'j,;;.it}l i}Jf, i rie-n;, until ~)i:crf'1-9i<l.?,~J;oB' f~"}~\_,~~~~~:~i>-~ --L McCABE, WEISBERG AND CONWAY, P.c. BY: TERRENCE J. McCABE, ESQUIRE Identification Number 16496 123 South Broad Street, Suite 2080 Philadelphia, Pennsylvania 19109 (215) 790-1010 Household Finance Consumer Discount Company P.O. Box 8604 Elmhurst, IL 60126 v. Sally R. Quigley 1520 Lorenzo Street, #B Mount Pleasant, SC 29464 and Gnanachandra M. Chinnah 1017 Walnut Street Lemoyne, P A 17043 Attorney for Plaintiff Cumberland County Court of Common Pleas Number CIVIL ACTIONIMORTGAGE FORECLOSURE NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages. ,~ou lIust take actial 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 judgtrent 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 troney or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LA WYER AT ONCE. IF YOU DO NOT HAVE A LA WYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU wrrn INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LA WYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA, 17013 800-990-9108 AVISO Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas ex-pue tas en las paginas siguientes, usted tiene vein e (20) dias de plazo al partir de la fecha de la de da y la notificacion. Hace falta asent r una caTparencia es=i ta 0 en persona 0 con tll1 ado y entregar a la corte en forma escrita sus def nsas 0 sus obj eciones alas demandas en contr de su persona. Sea avisado que si usted no se de iende, la corte tomara medidas y puede conti ar la demanda en contra suya sin previa a iso 0 notificacion. Ademas, la corte puede de idir a favor del demandante y requiere que usted cumpla con todas las provisiones de esta demanda Usted puede perder dinero 0 sus propiedades otros derechos irnportantes para usted. USTED LE DEBE TOMAR ESTE PAP ABOGADO lNMEDlA T AMENTE. SI US TlENE A UN ABOGADO, V A A 0 TELEFO OFICINA EXPUSO ABAJO. ESTA OFIC A LO PUEbE PROPORCIONAR CON INFO A TlON ACERCA DE EMPLEAR A UN ABOGAD . SI USTED NO PUEDE PROPORCIONA PARA EMPLEAR UN ABOGADO, EST A OFICIN PUEDE SER CAPAZ DE PROPORCIONARL CON INFORMACION ACERCA DE LAS AG NCIAS QUE PUEDEN OFRECER LOS SE ICIOS LEGALES A PERSONAS ELEGIBLES N UN HONORARIO REDUCIDO NI N NGUN HONORARIO. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA. 17013 800-990-9108 6. On 05/17/2001, the aforesaid mortgage was further assigned by Household ealty Corporation to Household Finance Consumer Discount Company, Plaintiff herein, by Assign Mortgage recorded in the Office of the Recorder of Cumberland County in Assignment of Mortgag Book 675, page 88. 7. On 09/23/2004, the mortgaged premises were sold at an Upset Tax Sale to De~ ndant, Gnanachandra M. Chinnah. Title vested to Gnanachandra M. Chinnah by deed from Tax Claim B the County of Cumberland dated 11/12/2004 and recorded 12/1/2004 in the County of Cumberland in ecord Book 266, page 2489. 8. The premises subject to said mortgage is described in the mortgage attached as Exh bit" A" and is known 1017 Walnut Street, Lemoyne, PA 17043. 9. The mortgage is in default because monthly payments of principal and interest u mortgage due 10/22/2003 and each month thereafter are due and unpaid, and by the terms of said m rtgage, upon default in such payments for a period of one month, the entire principal balance and all int thereon are collectible forthwith. 10. The following amounts are due on the mortgage: GRAND TOTAL $ 70,460.21 $ 16,228.01 $ 3,523.01 $ 225.00 $ 125.00 $ 200.00 $ 90,761.23 Principal Balance Interest through 01/31/2005 (Plus $ 26.44 per diem thereafter) Attorney's Fee Cost of Suit Appraisal Fee Title Search 11. The attorney's fees set forth above are in conformity with the mortgage docu ents and Pennsylvania Law and will be collected in the event of a third party purchaser at Sheriffs Sa e. If the mortgage is reinstated prior to the Sale, reasonable attorney's fees will be charged based on wor actually performed. 12. Notice of Intention to Foreclose as required by Act 6 of 1974 (41 P.S. S403) and otice required by the Emergency Mortgage Assistance Act of 1983 as amended under 12 PA Code Chapter 13, et seq., commonly known as the Combined Notice of Delinquency has been sent to Defendants by regu1 mail WHEREFORE, Plaintiff demands Judgment against the Defendants in the sum of $90, 1.23, with a certificate of mailing and by certified mail, return receipt requested. together with interest at the rate of $26.44 per diem and other costs and charges collectible un er the mortgage and for the foreclosure and sale of the mortgaged property. ~~~c-e-- (j, /VI ( ~ TERRENCE J. McCABE, ESQUIRE Attorney for Plaintiff VERIFICATION The undersigned, Tracey B. williams, hereby certifies that she action, speciali~t of the plaintiff in the wi hin (2\9f1.s - ~ ~c - is the Foreclosure and that she is authorized to make this verificatio and that the foregoing facts are true and correct to the best of her knowledge, information and belief and further states that statements herein are made subject to the penalties of 18 PA C.S. ~4904 relating to unsworn falsification to authorities. 0V~ r 'ij~~ .- ..... :." J I ,.;. ....f.... I MORTGA.:GE .~';i":~ ~<\ D IF BOX IS CH~~.~~.~:.,THIS MORTGAGE IS AN OPEN~END o#MO~~Gtf'f3AN~:~~~:~~~,~ ~:~~ :,j) ADVANCES. :..~ : . ":_~~!.i;',~:,' .:.~~ ," ..' 00 SEP ~. >" ~~'~,;'~;;~~:"~f<') /~::"l THIS MORTGAGE.is~maCJe:this day 'l1TH. of JUNE 20 00 . betweeri,th.e:tVloi'tga . i-}~>' ~ ..\-~... j.l:-: . t ~:.it'!Yu-i;-'); t':~I. _ .... .....6> ., )" ' SALLY R QUI GL.EY~"""", ;.:;..,;'h::r.~~ir~~'. . ." - '.::.~~~~;"~I.I:_:': .J ~ . ~7113303 v . ';;~'f;{':i::~.j~~ .'!:'_~.~.;.~~-~ii-:~:'.~~_. . ,. herein "~~ro\Ve< AIl~:.~ ~~g~gec::'1,MBNA., CONSUMER SERV ICES 1 NC. ~ '~..'.: ~~;I~' ~-!:'~.:r~'; ~..~ ".' ~.:: ri.)~~: a corporation o.!ga.ili.zed,,'a~d .e*i~~rigiUf!aer the laws 0 DELAWARE 1100 N KING S.TREEJ:. :WILMrNGTON~ DE H~884 erein Lender",' ~.;' .',~ , . IS Thdollow inCPar~iaph preceded by a c.heckcd box ~s..applicl ble. D WHEREAS, Borrower is indebted to Lender in the principal sum of $ 10.460. 21 evidenced by Borrower's Loan Repayment and Security Agreement or Secondary Mortgage n Agreement dated JUNE 11, 2000 and' any extensions or renewals thereof (herein " NoteW ), providing for m nthly installments of principal and interest, including any adjustments to the amount of payments or. the contract rate f that. . rate is variable, with the balance of the indebtedness, if not sooner paid, due and payable on JUNE 11, 2030 D WHEREAS, Borrower is indebted to Lender in the principal sum of S thereof as may be advanced pursuant to Borrower's Revolving Loan Agreement dated 'and extensions and renewals thereof (herein WNoteW), providing for monthly installments, and interest at the r te and under the terr~s specified in the Note, including any adjustments in the interest rate' if that rate is variab e. and . providing for a credit Jimit stated in the principal sum above and an initial advance of S ' ~ '. , or much .. TO SECURE. t~ Lender .the repayment of (]) the indebtedness evidenced by the Note, with interest t including imfincreases if the contract rate is variable; (2) future advances under any Revolving Loan Agreem the Payment .of, all other.sums, with interest thereon, advanced in accordance herewith to protect the security Mortgage;.:.iind '(4).' the;perfor.mance oJ. the covenants and agreeme~ts of Borrower herein contained, Borrow hereby m<;>rtgage, grantand:convey to Lender and Lender's successors and lIssigns the following. described p locate(i!i.'!he_q:JUnt~ ofCIJ.IBERLAND Commonwealth of Pennsylva la: ~. ':...~ ,.......~~.. . .. ~'.- '<r~?~L'L n-iA 1 CERT A I N PROPERTY S I TUA TED I N THE BOROUGH OF LEMOYNE IN THE COUNTY OF CIJ.IBERLAND AND COMMONWEALTH OF PENNSYLVANIA , BEING MORE FULLY DESCRIBED IN A DEED DATED 12/28/1992 AND __" ...,-' --'-RECORDED -011 04/1l?93~ AMONG THE -LAND RECORDS' OF THE -COUNTY AND STATE SET FORTH ABOVE. IN DEED VOLUME 368 AND'PAGE 111. , , . . _ . t .-.: '. ..... "- . ~ - (:} C, 3':::'-:0 W I' e- rn vJ ;.0 ." ~ . -;.:J :z: r. -1 CD'; .." . -0 0" " . .. ',::3 0 . .!-: ._. ; '.: .r'L:. ~":';.' ",-4 0' ;,:'~.' ""-:.-,,:.' ....:...- .:.:. :,' ': " '.' c , :.- I' ...,..,.:Z: ,. ':,.~':.:'-~'. ,;.',.":'.l ;}'i:: ',.. '. "'~~;"~:,:::''''.''.''~J';' I"" :'R' ..' :.,' :r" :~,'~:-' .'~~. . ' ' .' ,'.... '.' ',"" . .."..... "t."-",~ c. .. W'~""I' . .. ' ';'; : c . ..,. .I!- . - . - :'. .":.., -" ~. . '" . . ~ . ~ . " .~ C> c...... c:::;' Z N o TAX PARCEL ID: 12-21-0261-158 1111111111111111111111.1111111111111 1"-1 l"1 1.',~. rn ::0.:;' . '. ." .. ;.... . .. ,c ;'.1"'. \.l ~:_: - OfJSl 01.-07-00 MTG',. i.' " . '" -. ..; . Of!' M00655795OU95M1G8000PAOOI2810..0UIGlEY " ORIGIw.L ..fl.' ! .:q...\t ,.~.,~. ,)~:"l,. ,', I/~.,:g - '-.) .. 0" . ~oold.619 rAGt .:692 -2- i. ,- . TOGETHER with all the improvements now or hereafter erected on the property, and all easements, righ s, appurtenances' and rents, all,of'which shall be deemed to be and remain a part of the property covered by t is Mortgage: and a)l of the'.rol-cgoing, together with sai<;f pr~per!y (qr the leasehold estate if, ~hjs Mortgage is 0 a leasehold) are hereinafter referred t03S the "Property." " . ..... '.., .> . ..., ., ::~ BO~"ro~~r' co~:~"n'~'r;~"thai:B~~;~we;i; la'\\:fully Seised ri'f the est~i~ hereby co~~efed' and his' the'right 'to'mortga 'e, .' ~r~~~.~~~,,~~.~\~Y, ~~{ ~~~Peitt~~d: t.~afW~'.P.F~~~~y :~s~ ~O:e~c~~~tf~' ~xcept foten~~~ ~~~n~~ 6r.:~~~i;4':.~.f~~: er covenants that Borrower warrants and will defenq gene.r~!IY the Wle. to the Pror,erty agamst ;all cla.I,",!? a~d de~~n s. subject to encum~ra!lc.es of rec~rcl,. : ,--: :!~:. :... . . ..... '. " ....:... . ..' ....-. " ... . . . UNIFORM COVENANTS. BOrro'wer and Lender. covenant and agree as foHows: . . ,',. I. Payment of Principal and Interest It Variable Rates. This mortgage secures all payments of principal a d interest due on a'variable rate loan. The contract rate of interest and payment amounts may be subject to change as provided in the Note. Borrowers shall promptly pay when due all amounts required by the Note. 2. Funds for Taxes and Insurance. Subject to applicable law or waiver by Lender, Borrower shall pay to Len er on the"daymmnhly paymemsof principahnd"interest are payable under the Note, until the Note is paid in full. a s m (herein "Funds") equal to onnwelfth of the yearly taxes and assessments (including condominium and planned u it development assessments. if any) ~hich;may attain priority over this Mortgage and ground rents on the Property if . mY; . Plus one'twelfifi of'YearlypreiniUili+installmenfs ~for-haiar(nnsurance-:plus one-=twelfHlo1yearJrpremi m installments for mortgage insurance, if any, all as reasonably estimated initially and from time to time by Lender n the basis of assessments and bills and reasonable estimates thereof. Borrower shall nqt be obligated to make s ch payments of Funds to Lender to the extent that Borrower makes such payments to the holder of a prior mortgag or deed of trust if such holder is an institutional lender . If Borrower pays Funds to Lender. the Fu~ds.shall be held in an institution the deposits or accounts of which re insured or guaranteed by a Federal or state agency (including Lender if Lender is such an institution). Lender s a\l apply the Funds to pay said taxes. asSessments,.insUrance premiums.and ground rents. Lender may not charge fo so ...' .,. ~ .h.~ldi!l~ and aJ>~lying)he Fund;s. .apalyzin~ ~~d ~~COu?t' l?,f. verifyi.~~U"r.d ~o!llpiling~id a~~en\s~~ bil.ls, un Len4e~'p~~s ~rrowe: inter~~:?~;t~~ Fup?s ~n~,~.~J~ca~le.la~'~l11its ~~~eVo .ma.'ce s~h.i cn~rge, Borr'o'ier' nd Lender may agree i~..writin~ ,a~~1~h.e}ir1)~~.o.f.~x,~utlP~.,Or this. M?'r~~.g:.~~!lt~.~n!er.~t.?n.~he 'ru.?~.~~al!: be' paj !o . Borrowa.-;,an~ .\!flJ~ ~~h ~g~eem~~rislm~ .~.!'a~p~lca~l.e ~a~..r~ujr~...suc:b Interest.to ~ p8i~, .Leooer shal!,no be r~uired to;.pay Borrower any interest 9r, earmngs 00 the Funds. Lender sli?lI give to Borrower, w:ithout charge, an 'annual accounting of the 'FundS 'showing 'creditS and debits'to the Furidi and the 'purpoSe for whi~h each debit'to he Funds was made. The Funds are pledged as additional sec)Jrity for the. sums secured by this Mortgage.' , If the amount of the Funds held by Lender. together with the future monthly installments of Funds payable to the due dates of taxes, assessments, insurance premiums and ground rents. shall exceed the amount required to y said taxes, assessments, insurance premiums and ground rents as they fall due, such excess shall be, at Borrow r's option, either promptly repaid to Borrower or credited to Borrower on monthly installments of Funds. If the am nt of the Funds held by Lender shall not be sufficient to pay taxes. assessments, insurance premiums and ground ren' they fall due, Borrower shall pay to Lender any amount necessary to make up the deficiency in one or more paym as Lender may require. > .-,-- Upon' payment.i n.full. of. allsums,secured.by~t~is.Mor:tgage,.Lendershall. prom ptl y .ref und- to,Borrower,any-f held by Lender. If under paragraph J7 hereof the Property is sold or the Property is otherwise acquired by Len Lender shall apply, no later than immediately prior to the sale of the Property or its acquisition by Lender. any F held by Lender at the time of application as a credit against the sums secured by this Mortgage. 3. Application of Payments. Except for loans made pursuant to the Pennsylvania Consumer Disc Company Act. ~1I payments received by Lender under the Note and paragraphs I and 2 hereof shall be applie by Lender first in payment of amounts payable to Lender by Borrower under paragraph 2 hereof, then to interest. nd then to the principal. 4. .Prior .Mor.t&age.s.andDe~d 01 Trust;. Chul;cs; Liens. ~orro.wer~half perform all of I3?rrower's obligat oDS under anY.!TIortgage,.deed. oqrust.or.o~h~r ~urit~ ~greeme~t .~ith a.lien w~ich h.as Pfiori~y over..this Mort ge, i nel ud!.l1g. Botf<?wer' s. .cov~~aht::., t,o. ,make ;pay.~e'.l~.. whe,t! d\le. ~~rrower. .~hall . p~y .or: ~ause' to. be paid afl :x:es, a~m~nts.and,oth~r charges, ~!nes an.~ir:':lpositi.on~ attribut,able.!!? th,e frqpefty: wh,ch.m~y at~ain a priority over this Mortgage. aiid'leasehold payments or ground rents, if any. . ...... ." 0.1-07,-00 MTG PAOOl 82 1111111111111111111111111111111111110111111 M0065579SQU95M1G800OPA00128Z0MMQUIGtEY ORIGI~ fS: it, . ..... '. i.' t ~ ! '. ,_ _ '.. . ":~ - . ."1 .. './to' .~ BOOI( 1619 rAGE .893 \!. ".I 'J 0:,. , .).. :!'J:~.:;~')""" ..,\'; \~, ' 1-,,; :-.; ,_ ./;:..l -r:.;J~; ~;-JV'::' .~~~' ~ .; I~ ;~:.r~.~11;"I":<~~ :.(~;_." '.~ l'~.",;:+, " ~;:; .~.:_:.::' . . "' -3- 4, Y' 5. Hazard1nsurance. Borrower shall keep the improvements now existing or hereafter erected on the Pro lefty . insured against loss by fire, hazar4s included wi~hiry th.e term "exte.nded Foverage," and such other hazards as Lender may . . I- . . require. _: .' . ". .". ' . . . ". . . " The/insurance carrier providing the insurance shall be chosen by ~he'Borrower subject to.approval'by Le der; pr.o~i4ed, ~.h~.t,s.~h:approy~1 shaJI not be unr~ason:;bl)' ,wit]lhel{ AHins~ran~~ 'policies and' rene\~~]~th~~~or~~~1l b in a "Corm ~actep'~a.ble'fo L~nde~ and sfiall include"'a.standaro mortgage clause' in favor. ohnd'in'a fortri-actept'able to Le der. -0; I, ...-...... 'j'" ..... .... ,)... l . 'I' _ ~.... .. ., . - I , .' ". ,)' . . .. ,., of._ ..:. .JI' I' 'h . Lender sh'all have the right to hold the policies and renewals.thereof, subject to the terms of any mortgage, deeaof in st or other~~c~ri'iyag~m~nt\~ithalie-;'llvhichhaspriority"overihis~Mortg~ge: d.. '. !:. .'.' " ." ....';..:. ..' ~:..:.:., I. 10 the event of loss, Borrower shall give prompt notice to !he insuranc~ carrier'aod Lender.Len<iehnay.'ma'ke roof . ofloss if oot made promptly by Borrower. . '. ." . '. . . . If the Property is abandoned by Borrower, or if "Borrower fails to resix>n4 to Lender within 30 days from the date notice is mailed by Lender to Borrower that the insurance carrier'offers to settle a claim for insurance benefits, Len er is authorized to collect and apply the insurance proceeds at Lender's option either to restoration or repair of the Prope tyor to the ~l.I,f!tS secured by this Mortgage. 6. Preservation and Maintenance of Property; Leaseno1ds; Condominiums; Planned Unit Developm nts. Borrower shall keep the Property in good repair and shall not commit waste or permit impairment or deterioration (f the Pr~pertya!l~ s~aJI comply with the provisions of,any I~ase if this ~()rtg~ge is on a l~sehold.1f this Mortgage is on a unit in a condominium 'or a planned uoit development, Borrower shall Perform alloC Borrower's obligations unde the . decla-ration or covenants creating or governing the condominium or planned uoit ~velopment, the by-laws and regulations of thecoodominium or planned unit development, and constituent documents. . 7. Protection of Lender's Security. If Borrower fails to perform the covenants aJ;ld agreements contained ir this . Mortgage. or if any action or proceeding is commenced which materially affects Lender's interest in the Property, then .Lender, at Lender's option, upon notice .to Borrower, may make such ,appearances, disburse such sums, incll ding reasonable attorneys' fees, and take such action as is necessary to protect Lender's interest. . , '. Any amounts' disbursed by Letider' pursuant to this paragraph' 7,: with iilierest thereon, at 'the .contract' rate;. hall .'t>e<:ome additlonaliodebtedneSs of Borrower secured by .thisMottgage:'UnleSs:BOrrower and Lender agree iooth~ t ' h1s ~.. ..-..... \: '.. .. ~..' . I".. .'. . . . .... ". . .'- '. ".. , '\. .r 'l ,'.,,! :'t"rr-' f ~ ,ot pay~ent. silc~ am~iints shall.be'pay~?le upo~no~.i~e-Crom Lender:to J~orrOwer requesting 'payment thereof: No hing . 'contained in tllis Paragraph 7 shalI",.equir'e Lender to incur any'exPe~'or take'a'ny action hereunder: .;;.\; y'.~n ',~. of. : r'.; ;~:~,~..;.~~s,~~~~.oll-',~en~~f ~,ai:'t+k~!,~(~~~~~(~o:~,~~i~e}e~!.i~~!i:~.n!~}e4'~~~ r~~dri~.~i.?ns.:~r~~~ ~f.?p '~y, provlded,tliat Lender shall gIve Borro,wer notIce prior to any sueti Ins~tlOn specIfYIng reasonable cause therefor re ated "ibte~der;s'ititer~t'ititbePl'opCrti. '.. '.:. .; ":' '~I' ,'. ;.~' :~.> .-". 0'" 0 ;" ::-'; .', ~I' ";",'. ,. : .';. '. 9. Condeinnation. The p~oceedsof any award ordaim Cor damages, director consequential, i~ conneCtion wii any . condemnation or other taking of the Property, or part thereof, or for conveyance in lieu of condemnation, are he eby . assigned and shall be paid to Lender, subject to the terms of any mortgage, deed of trust or other security agreement w th a 'lien which has priority over this Mortgage. . 10. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for pay me tor modification of amortization of the sums secured by this Mortgage granted by Lender to any successor in intc!re t of Borrower shall not operate to release, in any manner, the liability of the original Borrower and Borrower'ssucce5S0 sin inter~t. Lender shall not be reql}i~ed to commence proceedings against such successor or refuse to extend tim for . 'payment'or'otherwise'.triodify amortizationof the sums secured by this'Moiigage'by'reason' of any demand made b the original Borrower and Borrower's successors in interest. Any forbearance by Lender in exercising any right or rer edy hereunder, or otherwise afforded by applicable law, shall not be a waiver of <jr" preclude the exercise of any such rig tor remedy. 11. Successors and Assigns Bound; Joint and Several Liability; Co-signers. The covenants and agreerr ents , herei 0.' contained shall bind, and the rights hereunder shall inure to, the respective successors and assigns of Lende and . Borrower. subject to the provisions of paragraph 16 hereof. A1h;ovenants and agreements of Borrower shaUbe join and several. Any Borrower who co-signs this Mortgage, but does not execute the Note, (a) is co-signing this Mortgage on y to mortgage, grant ~nd coo\:ey that BOITowe'(s interest in the Property to Lender under the terms of this Mortgage;(b) i not "personally liable'on the' Note or under this Mortg'age: and'(c)agrees'that l:..ender-andanyothed3orreiwer'hereunder may ,; agree' to extend,: modify,' forbear, or make any !Jther accom,modations. with/egard:to the terms:"f this .~ibrtgage o' the . Noid :-ivithout' thai' .BOrrower's consent :and \vithout ~relea=sing'ihat "Bo~rowef' or:'inodifying' this. Mortgage' as" -to that Borrower's interest in the Property, ' > 1.....: . : " .;.... ," '.' '" ..' :..,', .,....: :.:.. .!..:,... .... I. Di'-'o'i~oo MTG -;.;0 '. j>AO~ 1283 1111111111116_111111111111111111111 .00655795DU95MTG8000PA0012830""QUIGlEY . ORIGiNAl .:::e~~..~ ,~'<; f!l :-. t,. ". .... '"" ,".. . IJ ~Il',,:n BOOK 1619 rA~( .694 . !~. ....;: -4- "i' . ~ 12. Notice: Except for any notice required under applicable law to be given in another manner, (a) any noti e to " 0(. Borrower' provided for in this Mortgage shall be given by delivering it or by mailing such notice by certified nail . addressed to Borro'wer at the Property Address or at such other address as Borrower may designate by notice to Lend ras 'provioed'oerein, and (b) any notice to Lender shall be given by certified mail to Lender's address stated herein or to uch other" addr~ as Lender may desi gnate by notice to Borr-ower as provided herein. Any notice provided for in this Mort a'ge 'l~shall bedeemea to have been given to Borrower orl:ender when;given in.the;manner,d~ignated herein;~ ~:'-::'~'I;'. ~ ." . ..; ';:Ji3;G<iv~rnini "raw; Se';ei'abjlity.~Thestate'and localla\\'sapplicable:to tliis'Mortgage.shall be the:laws:othe ~, juriSdiption'iii1wtiich thePiOperty is l~~ted. The'foregoing sentericeshall not'limitthe applicability of Federal'lawJo this ~ Mortgage. In the event that ariy provision ordause'of this Mortgage or the Note conOicts with applicable law,suCh con lict shall not affect other provisions of this Mortgage or the Note which can be given effect without the confJictingprovi ion, and to this end the provisions of this. Mortgage and the Note are'declared to be severable. As used herein, "co ts: "expenses" and "attorneys' fees" include all sums to the extent not pmhibitedbyapplicable law orlimited herein. 14. Borrower's Copy. Borrower shall be furnished a conformed COPl'of the Note and of this Mortgage at the ti n e of executiaporafter_.t:ecor.dation hereof. 15. Rehabilitation Loan Agreement. Borrower shall fulfill all of Borrower's obligations under any h me rehabilitation, improvement, repair, or other loan agreement which Borrower enters into with Lender. Lende , at " _~nder:s option,.may.require.Borrower toex~ute and ~liveT-to.Le!l~er,.in.aform.acceptable to Lender, an assignme t of any rights, claims or defenses which Borrower may have against parties who supply labor, materials or service in connection with improvements made to the Property . 16, Transfer of the Property. If Borrower sells or transfers all or any part of the Property or an interest the tn, excluding (a) the creation of a lien or encumbrance subordinate to this Mortgage, (b) a transfer by devise, descent, 0 by operation of law upon the death of a joint tenant, (c) the grant of any leasehold interest of three years or less notcontai ing an option to purchase, (d) the creation of a purchase money security interest for household appliances, (e) a transfer 0 a relative resulting from the death of a Borrower, (f) a-transfer where.the spouse or children of the Borrower becom an owner of the property. (g) a transfer resulting frol'fl a decree of dissolution of marriage, legal separation agreemen . or -: 'from an incidental'proPerty ~ttlemeni' agreeinent;by which .the spotise'of the BorroweT. becomes an .o'wner of the property, (h) a transfer into an inter-vivos ifusi'in"'which~the Borrower'isandremains at beneficiary and: which does not relate to a transfer of rights of occupancy in the property, or (i) any other transfer or disposition described in regulat ons prescribed by the Federal Home Loan Bank Board. Borrower shall cause to be submitted information required by LeI der to evaluate the transferee as if a new loan were being made to the transferee. Borrower will continue to be obligated Ul der the NoteandthisMortgage unJessLender releases Borrower in wri ting. If Lender does not agree to such sale or transfer, Lender may declare all of the sums secured by this Mortgage t be immediately due and payable. If Lender exercises such option to accelerate, Lender shall mail Borrower notic of acceleration in accordance with paragraph 12 hereof. Such notice shall provide a period of not less than 30 days from the date the notice is mailed or delivered within which Borrower may pay the sums declared due. If Borrower fails to pay ~ Jeh sums prior to the expiration of such period, Lender may, without further notice or demand on Borrower. invoice ny remedies permitted by paragraph 17 hereof. . NON-UNIFORM COVENANTS. Borrower and Lender furthercoyenant and agree as follows: 17. Acceleration; Remedies. Except as provided in paragraph 16 hereof, upon Borrower's breach of ny covenant or agreement....of Borrowei-inthis"Mortgaie:-in'cludihTthe~coveiianfrt6 pay wfie'n due1lrii su ms secured by this Mortgage, Lender prior to acceleration shall give notice to Borrower as provided in paragr ph 12 hereof specifying: (I) the breach; (2) the action required to cure such breach; (3) a date, not Jess than 30 d ys from the date the notice is mailed to Borrower, by which such breach must be cured; and (4) that failure to cure such breach on or before the date specified in the notice may result in acceleration of the sums secured by tbis Mortgage, foreclosure by judicial proceeding, and sale of the Property. The notice shalUurthes: info m Borrower of the right to reinstate after acceleration and ihe right to assert in the foreclosure proceeding he nonexistence of a default or any other defense of Borrower to acceleration aDd foreclosure. If the breach is ot cured on or before the date specified in tbe notice: Lender, at Lender's option, may declare all of the su ms secured by this Mortgage to be immediately due and pay~ble without further demand and may foreclose 1l1is Mortgage by judicial proceeding. Lender shall be entitled to collect in such proceeding all expenses of foreclosure, including, but not limited to, reasonable attorneys' fees and costs of documentary evider ceo <<,'I . It abstracts and title rcports. ,i, .' ? -. .. oi-07-00 MTG .; ~ PAOO .84 1IIIIIIIIIIIIIIIIIIIIIIIIIIirllllllllli .Q06SS79SDU95MTG8000PA0012840..QUIGLEY ORIGINAl. i:'.t~ .,...{l~'.~~_t ~,:~'04 {,..- ~..- I 'J .~ . _I 4." t.. BOOK1€19 PA(;~ .895 ,'. ..': ;- :'.' ~ .; '::'it ~-.. n:..:.... .. "1 : - ,\ - ~~"... ". ..,~ ".'~ -~- 6~" .c;~ -= ~. ..', I..:~;.:~. :::.:;:'.:" . '.10': .,!..t. !- . "" ...~ ,..... o . . ;.;,:,',;"; :",,:: ,;'~ ~.~, :,:~,,: ;~": <i.l~:i ;::~: ':' " :;::!~~;, ,~;:~" i . ' ~ .' ~ ". -: - ~', ~.' :.- ":: ~,.... .- :, . ::.< ;;"~\;j,;.,~:~'" ':'\",~;}~,~.~/?-'~'~:~,:!::~~~ ....:.. ..r;: ~:'~.. . ~ \.~'. '" -5- '.~. :~:;" IS:lJorrower's Rigbt to "Reinst8te.'Notwithslanding Lender's acceleration of the sums by this Mortgage . to Borrower's breach, Borrower shan have ;t~.e: right to h~ve,~~~Yt~p'roceedi.ngs begun by Lender to enforce . Mortgage discontinued ~t any time prior .to entry of a judgment ef.l(orcing this Mortgage if: (a). Borro.wer ys ',Lender. all' sums which would 'be then due. under. thi~ Mor~gage .and ..HIe; NQte had-,no ,ac.c:~I.~ration..occu~red; . b) , ,Borrower ':cures' all;;breaches 'of: any other.lcovenan~ or. agreements..-.of ~.Borro~ver "cqn~a~~ed jI:l.... th!s ~N9!!g~g~;j c) Borrower pays all: 'reasonable expenses incurred tby: l.:ender .in.~nforci!lg~~h~ .<;9:vef!an~a~d: !lg~~ll\~fl.~: oJ-',~l?~fl? ' er .. contained in' this:Mortgage; arid~:in enforcing .bender:s. remedies;as pr.oyided;i,!;pa.ragraph.p,her~f"incJudi,ng. ut . 'riot'limited;to:.reasonilble.attomeys' fees;~and (d)' Borrow~r::t~.kes s\jch.aciiol1;as ~n4er 'milY' r?So~a,~h'.'r.~lJi.~, ;to .'assure that, the lien~ of this' Mortgage; Lerider's interest in the Proper,ty and Borrower's obliga!io!l"to ; pay' the su . s . secured by this Mortgage shall continue unimpaired., Upon such payment. and cure by Borrower, this .Mortgage' nd the obligations secured hereby shall remain in full force and effect as if no acceleration had occurred, 19, Assignment of ,Rents; Appointment of Receiver. As additional security hereunde~. Borrower her by assigns.to.L~i1der. the:rents of the Propehy. provided that Borrower shall, prior to acceleration under paragraph 17 hereof. in abandonment of the Property, have the right to collect and retain such rents as they become due nd payable:- Upon acceleration under paragraph 7 hereof or abandonment of the Property. Lender shall be entitled to h ve .':a receiver apPC?inted by.a court..to entef'; .upol1....~..k~, possessiQ.ll of anq. ~anage;\the J~roP.Crty, an~. to.eolJect the .r. ts of the Property including those past due. All ,rents collected by the receiver shall be applied first to. payment of he costs of management of the Property and collection of rents. including, but not limited to,. receiver's f premiums on receiver's bonds and reasonable attorneys' fees, and then to the sums secured by this Mortgage, he receiver shall be liable to account only for those rents actually received. . 20, Release, Upon payment of all sums sec1.!red by this Mortgage, Lender shall release this Mortgage with ut . charge t9.Borrower,:Bo~r~wer shall pay all costs of r~or4!'tion,jf,anY'I. t . ,'!'.' . . , 21: Waiver of Homestead, Borrower hereby waives all.right.of .homestead .exemption in the Property. un er , state orJPederal law..:.. .... .:'. 't:. '. .: ,....:", . .,: .-,;,;.:: .:'~,.. ,." ..:', - ." ;::. _: ,~,..,: ,22,' ~n t~.rest Ra~e After.J udgmcnl;. Borro:w~r ,agr~~ ~tt~. i'!t~!~i.:f:a~~~ P.3y~ ~I.e, -~f}ei ~a:j~dgp~~i,~.i~ iitej~' on '. , the Note.or:lo'an,actlOo of .mortgage'lfQreclfJ5ure,~~I.I.~ t~~ 'f~tl?,~tl!t.e<i ;1~.~~e!.N.of~. "O:.~!' ',: ';<- '" 'i ,,: ': --.. -.,'~ . . ,'~ ;..; J; .i;. ~:;: ~.:' i~:~':~~':~:,~~..~',~;:;~;~:-~~~:r:~~~~:~:..~-~,~":::.'::~.:'~;~ ~,: :"~ :.' ~I:.' ..',~' :~..:~~~. ~;~:~~t:~]~':'~: ....:.~;: .;:; :.~~> ~~. :~~;:,1i~~~~;_~~~~J~: . ..... ::.-"..,~..;".,\......(.~.......:;. :."::..~'~_",...,.'":"':.:~.._~.;..~:::..'. .:..~:...~;.:"-J_.'.J~::",:..:...r;:-.-.!._.,_~": :........ ".. :,..J;i:.'-" . " .) ...... - -.' ',' . ~ ! . :.. it. ~ :;" . " :' .. J. , ) \ . . I .' II .' i --- , . , . .~ " '.: . '-J .,':.. ..' .-:;. \ ", t ;..: I: ,..... . .:.... '. ",s' r-- ..;. ; \.~ . ol-oi-'oo MTG \... ".J~ . . , ". .' ,-:-'. ..>1 . . 1IIIIIIIIIIIIIIIIIIIIIIIIIIIIIilll Moo65579S0u95MTG8000PAoo.1285o."Ou'GLEY....) ~ !.;,,!' :ORIGI~L 'i~!f. . l~...'~ ;i .... !.... t.... ; , t-. ~~ '\ \)::~.. 3~~~ t:: r~l.~' !.! ;.",,~; :'PA 01285 - ~:.; 'BOOK1619iiGi .896 . . '- DESCRIPTION ALL THA T CERTAIN lot of land situate in the Borough of Lemoyne in the county of Cumberlan and Commonwealth of Pennsylvania, bounded and described as follows. to wit: BEGINNING at a point on the Northern line of Walnut Street at the Western line of lands n or formerly of Harold D. Wolfe. which point is opposite the partition' wall between the house erect don the premises herein described and the house on premises adjoining to the East; thence South sev nty- four (74) degrees forty-four (44) minutes West along the Northem line of Walnut Street twenty-si (26) feet to a point on the line of land now or formerly of Frank Adams; thence along the last-menti ned line North eighteen (18) degrees three (3) minutes West one hundred thirty-one and seven two hundredths (131.72) feet to Pennsylvania A venue; thence North sixty-eight (68) degrees. East alon the Southem.line of Pennsylvania Avenue twenty (20) feet to a stake at the line of the aforesaid Wolfe thence along said Wolfe la,ld South twenty.,.three (23) degrees forty-seven (47) minutes East seventy four and forty-nine hundredths (74.49) feet to the rear wall of the frame dwelling house erected 0 the within-described premises; thence through the center of the partition wall between the house erect on the within-described premises and that erected on the land adjoining to the East South sixteen (16) degrees forty-nine (49) minutes East sixty and thirty hundredths (60.30) feet to the Northern Ii e of Walnut Street. the place of beginning. HAVING thereon erected the Western portion of a two and one-half story frame dwelling house wn as Number 1017 Walnut Street in the Borough of Lemoyne in the County of Cumberland and Commonwealth of Pennsylvania. Tax Parcel #12-21-0267-158 - McCABE, WEISBERG & CONWAY, P.C. BY: BONNIE DAHL, ESQUIRE Attorney I.D. No. 79294 123 South Road St., Suite 2080 Philadelphia, P A 19109 (215) 790-1010 COURT OF COMMON PLEAS CUMBERLAND COUNTY HOUSEHOLD FINANCE CONSUMER DISCOUNT COMPANY PLAINTIFF, DOCKET NO. 2005-763 CIVIL TERM vs. SALLY R. QUIGLEY and GNANACHANDRA M. CHINNIAH DEFENDANTS MEMORANDUM OF LAW IN SUPPORT OF PLAINTIFF'S RESPONSE TO DEFENDAN 'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT Pennsylvania Rule of Civil Procedure Rule 1028 (a) provides: Preliminary Objections may be filed by any party to any pleading and are limited to the following grounds: (1) lack of jurisdiction over the subject matter of the action or the person of the defendant, improper venue or improper form of service of a writ of summons or a complaint; (2) failure of a pleading to conform to law or rule of court or inclusion of scandalous or impertinent matter; (3) insufficient specificity in a pleading; (4) legal insufficiency ofa pleading (demurrer); (5) lack of capacity to sue, nonjoinder of a necessary party or misjoinder of a cause of action; and (6) pendency of a prior action or agreement for alternative dispute resolution. The Preliminary Objections raised by the Defendant herein do not comport with the Rules f Civil Procedure in that they fail to set forth any of the aforementioned grounds under which Prelim nary Objections may be granted. First, Defendant alleges that Plaintiffs mortgage foreclosure Complaint must be dismissed - because the service of the Complaint was improper, alleging that the Complaint had expired when serv ce was made on the Defendant. This allegation is wrong, and the filing of these preliminary objections is frivolous. A check of the Cumberland County Court docket reflects that the Plaintiffs Complaint was reinstated on March 18, 2005 in accordance with Pa.R.Civ.P 401 (b)( 1), which in relevant part states: If service within the Commonwealth is not made within the prescribed time by subdivision (a) of this rule. . . the prothonotary upon praecipe and upon presentation of the original process, shall continue its validity by reissuing the writ or reinstating the complaint, by writing thereon "reissued" in the case of a writ or "reinstated" in the case of the complaint. Pa.R.Civ.P. 401(b)(1), See also Exhibit "A." Therefore, Defendant's Preliminary Objections should be dismissed. McCABE, WEISBERG & CONWAY, P.c. ~/'J~ c::::=:> Bonnie Dahl, Esquire Attorney for Plaintiff BY: - McCABE, WEISBERG & CONWAY, P.C. BY: BONNIE DAHL, ESQUIRE Attorney I.D. No. 79294 123 South Road St., Suite 2080 Philadelphia, P A 19109 (215) 790-1010 HOUSEHOLD FINANCE CONSUMER DISCOUNT COMPANY COURT OF COMMON PLEAS CUMBERLAND COUNTY PLAINTIFF, DOCKET NO. 2005-763 CIVIL TERM vs. SALLY R. QUIGLEY and GNANACHANDRA M. CHINNIAH DEFENDANTS CERTIFICATION I hereby certify that I have served a true and correct copy of Plaintiffs Response to Defenda 's Preliminary Objections on all parties named herein at their last known address or upon their attorney of record by regular mail, postage prepaid to: Douglas G. Miller, Esquire West Pomfret Professional Building 60 West Pomfret Street Carlisle, P A 17013 on~2oc6 McCABE, WEISBERG & CONWAY, P. ~ Bonnie Dahl, Esquire Attorney for Plaintiff McCABE, WEISBERG & CONWAY, P.c. BY: BONNIE DAHL, ESQUIRE Identification Number 79294 123 South Broad Street, Suite 2080 Philadelphia, Pennsylvania 19109 (215) 790-1010 Attorney for J'laintiff Household Finance Consumer Discount Company P.O. Box 8604 Elmhurst. IL 60126 COURT OF COMMON PLEAS CUMBERLAND COUNTY v. SaJly R. Quigley 1520 Lorenzo Street, #B Mount Pleasant, SC 29464 and Gnanachandra M. Chinnah 1017 Walnut Street Lemoyne, PA 17043 NO. 2005-763 CIVIL TERM ORDER TO DISCONTINUE ANI> ENI> TO THE PROTHONOTARY: Kindly mark the above.captioned matter DISCONTINUED and ENDED, without prejudice. McCABE, WEISBERG & CONWAY, P.c. BY; (j.~ ,C\ M I k'"Y1A'U-Q Y..)a.' . BONNIE DAHL, ESQUIRE Attorney for Plaintiff DATE:~ ,-"",',.\..;:'.\-.,.,, ('-'J ~; ~ ;. , '" c;:.::) ,= ,'-" () -n ---I ::C~ rnF ~~]~:j l"~ (~') -~~ !,:-') '-'S:T'j , -,::;"" C:- G-') U1 :.0 \..0 ., ",_ -c.',' ..,_ ':, .., ',,'Y', (, 'lI' "".r ''''--,f'';i>;l'','~1.' ";-'. .