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Home My WebLink About05-1304 SIL VERMAN BERNHEIM & VOGEL BY: Daniel S. Bernheim, 3d, Esquire Lauren R. Berschler, Esquire Identification Nos.: 32736 & 88209 Two Penn Center Plaza, Suite 910 Philadelphia, P A 19102 (215) 569-0000 CITIZENS BANK OF PENNSYLVANIA 80 I Market Street Philadelphia, P A 19106 COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff v. NO. O~ - IJ(j'f C.;~LtT<rfl- JOHN IVANOFF and CYNTHIA IVANOFF 322 West Perry Street Enola, P A 17025 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 ajudgment 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 ALA WYER, 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 MAYBE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. COURT ADMINISTRATOR 41H Floor, Cumberland County Courthouse Carlisle, PA 17013 (717) 240-6200 F:\ WPC T,nOCS\3 I 664\Jvanotr.497\Cornplaint.030S05 ,wpd SILVERMAN BERNHEIM & VOGEL BY: Daniel S. Bernheim, 3d, Esquire Lauren R. Berschler, Esquire Identification Nos.: 32736 & 88209 Two Penn Center Plaza, Suite 910 Philadelphia, P A 19102 (215) 569-0000 CITIZENS BANK OF PENNSYLVANIA 80 I Market Street Philadelphia, P A 19106 COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff v. No.O!::-/304 JOHN IVANOFF and CYNTHIA IVANOFF 322 West Perry Street Enola, P A 17025 Defendants COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, Citizens Bank of Pennsylvania, by its attorneys, Silverman Bernheim & Vogel, files the within complaint in mortgage foreclosure and represents as follows: I. PlaintitI, Citizens Bank of Pennsylvania, ("Citizens"), is a state chartered banking institution with a place of business at 801 Market Street, Philadelphia, P A 19106. 2. Defendants, John Ivanoff and Cynthia Ivanoff, ("Defendants"), are adult individuals who reside at 322 West Perry Street, Enola, PA 17025. 3. Defendants are the owners of record of a certain parcel of residential real estate located in Cumberland County known by the following street address: 322 West Perry Street, Enola, P A 17025 (the "Property"). F:\WPC T\DOCS\31 664\lvanoff-497\Complaint.OJ0805. wpd 4. On April 10, 1996, Defendants executed and delivered to Mellon Bank, N.A.("Mellon"), assignee to Citizens Bank of Pennsylvania ("Citizens"), a Promissory Note (the "Note") in the principal amount of$56,325.00. The Note was secured by a mortgage (the "Mortgage") granting a lien upon the Property which was executed by Defendants, and given to Mellon on the same date and duly recorded in the Office of the Recorder of Deeds, Cumberland County, Pennsylvania on April 12, 1996, in Land Record Book 1313, page 610 et seq. True and correct copies of the Note and Mortgage are attached hereto as Exhibits "A" and "B," respectively, and incorporated herein by reference. 5. On December I, 2001, Mellon assigned its rights in the Note and Mortgage to Citizens and said Assignment was recorded on January 10,2002 in Land Record Book 687, page 4012. 6. The full legal description of the Property is set forth in Exhibit "C" which is attached hereto and incorporated herein by reference. 7. Defendants defaulted under the terms of the Note and Mortgage by virtue of their failure to pay to Citizens the sums due and owing thereunder, whereby Citizens demanded complete payment and performance of all of the Defendants' obligations. 8. Pursuant to the terms of the Note and Mortgage, as of March 2, 2005 Defendants are obligated to Citizens for the following sums: Principal Accrued interest (through 3/2/05) Accrued late charges BPO/ Appraisal Attorneys fees and costs $38,028.04 736.17 90.00 400.00 7,850.84 TOTAL REAL DEBT $47,105.05 Interest continues to accrue at the per diem rate of $9.32. F:\WPC TDOCS\3 \ 664\lv3Iioff-497\Cnmplaint,D30805, wpd By: ~( 9. The notice required pursuant to Act 91, 35 P.S. C.S.A. S1690.41, et. ~ was mailed to the Defendants on January 20,2005, as evidenced by the Certificates of Mailing attached hereto and incorporated herein as Exhibit "D." WHEREFORE, Plaintiff. Citizens Bank of Pennsylvania, demands Judgment in Mortgage Foreclosure in its favor and against Defendants, John and Cynthia lvanotl in the amount of$47,105.05, plus continuing interest at the per diem rate of$9.32 from March 2, 2005, plus costs for foreclosure and sale of the Property. Respectfully submitted, SIL YERMAN BERNHEIM & VOGEL Dated: March 8, 2005 F:\WPC 1~nOCS\31664\lvan(lff-49Tk'()mp\aint,03\l805,wpd VERIFICATION 1, .Zhanna Ulyantsev, being duly sworn according to }aw, depose and $II)' that 1 am a mortgage foreclosure specialist with Citizens Bank ofPellnsylvania l!.lld that the .facts set forth in Citi:!:cns' Complaint in Mortgage FOTeclosure m:e true and correct to the best of my knowledge, information and belief. T understand that the statements therein are made S1lbject to the -penalties of 18 Pa,C,S,A. S ,4904 relating to unsworn falsIfication to authorities. :-~ANK~SYLV~ ZHANNA UL ANTSEV . Dated: 3i'? fry; 'r;'.wr DOC.Nli'ICi4\I.npo.:;Vf"0m171.,iIIl.&:rb.C!II4t,lJl.I~ 12/\38/2004 06:44 CITIZENS DIRECT COUNSELING ~ 912156363999 NO. 557 ~OO7 My_"",",Wc..w"" $ 42382.97 or (~ $ 56325.00 TaUloJPIplUl1a TheamouDl IwiU haVe pokl..,,'-..... aR~"idleduJtd.. $ 98707.97 PERCENTAGE BATE . TheOOllotmycred.i.l3S . yearly tate. 08.20% The doIlaramoWl the mditwillcost1!le. 548. 8 1 547.95 ......It.... (App""'Il!eU_;.IaMy""".........-......."".... 'Oiedo&ulOI.boul tbe'Jarlablerar.ereanvchaYt:beeD.providedtoJDe ead1er. s.ndl;r: YouwiUb.Ycaaccurityintl!:l'taliD: Cmotorvdlic1tl OmobiJcboroe Caecorttica C Beneficial intemt in land truSt o o III dIIpclMb~lbwewllbycu. Ccl.1atera1teCUlinlotllerlolllll'lld1h)'OUmayIIloIOl:lRUlIsJoaa. ltlbilJoal Issealll!dbyad~lKtt)UD\,lhclDlluaJ~tagctlllClSocsDOttakcirlto ac:counl your reqUired depoQt. LU.Cbarp: If'.~t~IIlO1't:tbad.1S&)wz.rc.JwiIlbedWJC.!dS IS.00 PrqJlIYDICPl: IrlPttJtIO'e:t:rIy,I1rillDOlhd.veto P*)'.pena1ty. ~ ~bvrinBthe~lICCUrin&tbDIoanQlUlOtlSSUlnetheremaiDderO(theloall~tbcOri~tmut. Scc:tbeC:Olltraet~tsforllQy"d4ldoaaJJnformlIdonllbolrtaoJJPll,-t,debuJ1.JllldaDYrr.quixedn::pll)'lllctlt inful1bcforcthe schedaIed I '._~~~;:::'F1D'-"" S _.._~..- , s 4688.48 AInouatpsidOltIllfac&amt(lllIinaDc:iDgolpreoMu&IDaQ): Dale I.-. Nuaber Moo D 0110614.96 OS 14 11 . . CurciaslU'a!lc:epolii:)' Odcpaslt.lCCOllDt 11""""'1"")< U.c.c.filins:fCE:lio F'telforl;lleu>>berinlc:enllk2tC or"lIl $ $ .00 .00 Fcc forrec:onfingmottgageor -or.... _Iloo"" P'eeforI811atyiD.lm~or cl'ccdoftrust. s 14.00 s s .00 12.00 ,. or'~oftllep.yment, wtdchewrk_ AmouDt~ I I I I 25.00 225.00 s AinOllDlpiidtootbmonlJt'lbebIf.$ S tocrcditburcauS ; 60.00 ftJ L:!ND!RS 14.00 10 TransAmsrica S taJWblicaificWs/goovenlmeDl qeueis S 10 appniser $ 10 nOWl}' S ~ S S KliDslraDCet.ompaD)' '" .. .prcpaidfinaul:Cclwp II . In this nolC, tIlewordsI. ...ma,., n:fcr1VUZ)Vlle'" this DOle IS a Bormwer. &ch BomMer;" responsible for the reptymeIII of all alllOWltS owed underlhis nole.ud 1Igtte5 lO all oCthe tmu Q(thiallDU:. Thello'ORk,.. llDdJClvr referro \hecreditorll3Dl.td above. The 'MlrdCoJlalud me:w all)' persmlal fmpcn;y lIl. 'll'hkb I.am tM-a: yQd a lIt".:l;Uri1y Inta:m to this DOte. or which il emm:d br -ur ICpIIQte IIeCUdty ~I securill:stbi&note. 1 ptamise to pay yov $ 56325.00. TbilIIlIOUIII is ClIkd the "Principal Amount". 1 alSO pt'Olnbe tQ pay)'UU inmcst on the IIDp.Iid b.laDcc of abe: PrincipaIA/DOIIJlta\aliulplcintclQt(llltc:cl ~46S7S4 %pud2y.lnterestwarbec:flqedoadlelUlplidbt.tll~cl.Ihl:PriDcipaJ.AmOJIhJtor~dI)' (iDcl., Fe1:ll'Ulry 29).lwnl pay the Prindpsl t ll.nd the ltltemt ~aD)' plaoe dell&na1ecl b7rw. ~ 10 lhe ps)'IDCIIl acbcduk: abown aboge.. On !hewn payD1eD.t date I 'lri11 pay any pari of tbe I"~ AIDoullt and artf~ which remains DIlpaid.l will t.CIfrtWue 10 p"y iDteRS! at the raJesboWD aboVeon attJ pan of the PrincipalAmoDflt as Joq: as it rem:Uns 1Il1paid. f asree tflaf aDYjudp1ent foraay part althePrincipsJ Amount win ~ in1cmt at me uml! rate uutil it j, paid. (ADoIlcable If du:c:ked):1iI 1C I etLa~ or you rcqWIC me to change, to Payment Metbod #2. the sittlple inu:res.t rate on Ibis nole: Will dJa.nge to .0'24520548 % perday. ! (AppJk:abl~ if obt:d:ed): &I The simple iDteft:U. rue is. diseollllled. ra.te based OQ a .cparate 4gRCmcI1t Wbk:h I have entered iDtO wilh you. It I d\acQallaue Ulat separate a~1 or you disooadtllM it ~ I zwlolp' meet tberequiretttetlts oft1w~ in c:ttccs as of the date oftbts DOle, but 1 cootinue to make pay.nenuunderPaymeot Method #1, thesimpleiDterestrateO!ltbisnotellliIlchmg8lo .023150685 "pcrda)'. Etl'ec:tive willi. (he firs( plymeot w.t is due al bd 30. after ID1 dWIJc ill the simple iQtcre:U nlte, my repllU' monthly paytQC!ll 'lIrilI cbm&e to the "llJOIUIt necelSll.l)' to repay by the oripl due date ot1he GaaJ F*}'IIIClSllhal partOfibc: Priqe\pIll Amouatwblcb remains llDpaid CD the dale aftfleratc eUnge. widI iB~ at the l)Cfi rate. so. t:qUll ~ts. If llCleet credit diWliDIY insll~ on thil loan, thc monthly disability beDeGt will be limited to the ilmOUBt Q( tII~ originaI benditu~OlI:tbe~leolw.uraD~ t umlentand that uWinK ~on timcilClleZdiallo avoid defJuU 011 Ibis tlOIe. InaddiUOD, lfanyptymential101 ml'lkin fuDwitbin 15 daysllftcr it ia dK, twill JMY:J!:tle,!J~grs. i_.oo c;,S'1f,C:lbe~.wh"c:hr:veri5t;a. I hMI ~id orwill pay the prepakllinancc d1argubowtl!.bove, II weD as thefoUowing fo=. and chJ.r&cs: U.e.e. F"11q Fees Fees for enC1.IIDberingcertlfic:atc oftitlc Feea for ~n; ltIorttaSC'ordecd of InIst R~tloDw F~for 5Jl.tis!yin& mortpgeor deed of U'Vst (drimUd OOIedonCllmnl 1<'11;$) i Ap~fec I TIllee:ililllllnation.ree TItJeinsurancepremium No1IIl)'&e Fllefotdete:rmifli1ltftoodhazardsta1tlSofproperty St1l1~tordOSlfl8[ee lam cMpgyou allb'lUrity intered ill the pmperIydcseribed below, iDdudiDa aD attadlmentsand partswhicll. are install...! ill or .!lttamcd 10 the property,orwhich ItllI}' beinstaD~ or attached ill the futum. aDd an proceedsoftbe propertY aud anacbmenuand paris. ~euNew [J tried \ },tab lModlll ISerialN1llaber f M"""'~WII""" I s s S T4.00 " I $ 1Z.00 S ;t;':).UD S 6O.lJO S $ s non S eFleOITOFl COPY PlIlI/'! Jof" 12/08/2004 06:44 CITIZENS DIRECT COUNSELING; 912156363999 NO. 55? 0008 hytntbt Mttbo4s: I ~!O lUke ~ts by the tbclboddletkccl bcfovr. IilPqm.mtMeih04#1: J.lUliorileyollt(lt.Ue~O\11ot CHZd:ING ACCOUNT 162-109-S282on<<.Uer * dMal theyatC'due. I will teepatarptnougb~.. ttaiJaa;:oaDt IOCCNtttbefu1l PDQUnta of !he reqUfml:pqrrlt!tlts. O~~ft IWiUlllIIiIordcliVer.:a::hpaytDel11lO}lOUsotlW)'OI1wi11recemitno1atcrdlantbedaleHbdue. H J haY~cho6en paymcro. Method #1,}'O1l may ~~J!le to thangePaylll.m MCI:hOd I1.ltffailalanydmc to Jza>oe", Jatgeeaough balance in lbcl deposit am>>mlJhOWDlI~toto'llCl'tbefll[f.moutlfo(apayrtJal'l~ unW::r1hls~01'ifthe4epo$llllOCQUnt.doscd. Phptrtf~IDSlIPllJCt'~Jwofl.'!rdaroage1QtbeCoUater.Ll ~ bi C iisGot ",,- brnrer. ALl. STATS ^p("Jbowa)' LOANN BtTRO Ftoodimtu'anl;e c is ~uinldinc;annecUouwitblhbJoan. iii ,,""' UfttlCldiallraaocetJt~i.bsuranoe.OIl~orpmoDalpropertyit requirQ:! b:l COD.tIec:tioD\\'iahthisklan, JmayobWhl!Uclti&uraaafrom an)'OM : AI1J tbM Is ac::e:ptablt to you. TIlE ADDITIONAL TERMS ON PAGES 3 AND 4 OF THIS NOTE AREA PART OF THIS NOTE. .:_.I!',Wj~~ You are being aslred to gu.ara.ntee this ~bL Think carefully before you do. If the borrower doesn't pay the: debt, yon willllave to. Be sure you can.tJfor4 to pay if you have tol 8Il.d that you want to accept lhis respoDsibility. You may have to pay up to the fuU amount of the r:lebt if the borrower docs U()t 'Pay. You may also bave to pay late fees or collection cosL\ which increase this amonnt. The Creditor can oollect this debt from you witbout first trying [0 collect from the borrower. The Creditor can use the sa,ne eoUecdon methods apiust )'Oll tMl can be used. agafmt the borrowerl such as .suing)'OO, gami$hin. your wage$, etc. 1f Cbk debt is ever in default, thatlit<t ...y becomo. pan of )'OUr credit recor<t This notice is 120t the c:oAtract that makes you liable for the debt. BY SIGNING THIS NOTE, 1 ACKNOWLEDGE IlIAT 1 HAVE RECEIVED AN EXACT COP\' OF PAGES 1 THROUGH 4 OF THIS NOTE AND TIIE DISCLOSUlIl1S ON PAGE 1 wrrn AU. APPUCAllLE BLANKS APPR.OPRlATELY FrJ.JJID IN, PRIOR. TO TIlE CONSDMMATION OFTBE TllANSACTION. TIlE ADDmONAL TERMS ON PAGES 3 AND 4AllE PART OF THIS NOTE. ~~ -- is<ol) x -- : is<ol) x IhppUcablo, thls IIlstalltnent loan OOlTe5pands to reladOllSbip demand deposit 8C001Il1t 16~.l09.8~82 04109G 10.20 l'lIl\OZof4 12/08/2004 06'44 CITIZENS DIRECT COUNSELING ~ 912156363999 NO. 55? Q009 1Iiiiiiiii- I~~~~~.~ -~ I 1 EYeUU ofDefaalb , It is . default 1IIlder tbJs DOlO it: (1) Illy poymcnl is lID! made WileD It is due; (1) I break .DY pJODIlso In tbia DOlO; (3) YO' dlsoover any fllse or mls1eadtngsuuemeDt In this Doto or In anyotltcr lDlo1lllatlon 1 have given you; (4) anyone .ttellltJ1S to sebJo,.1lacl1. ot crute . U. ~I\ thO QoUIutaI nel" By lop! pftlOlll~ (5) ,... CDUatanl11 lalt. -lfGY8d,. 11010, 01' aNiiioa.. (I) ! dIt4 ('7) 1 mab any asslpne.t lor the bcnetJl 01 ae4ltOl1; (8) I beromelnsol<'enl; (9) any peUdon rolatln,lQ IllY dcIm Is flied 1IIlder MY Iederal or ltale llankl'uple!' law: (10) 1 dell.1t Ullcltr the term! ot 8l1l' lease.lllOrtgllge, ~r d~ ~t trllft OIl the propel'Iy where the COltl'Dralll kDpq (11) IIA)'I'U. .~ &0 ~ at ertlCh III)' ft,pollt At odt., J"'CI}:IId't1 bltltlllllq: VI .... .aMib &" ... ,... 1'0"....100; (t%) any IN...... poIlC)' Securlal tllla .0" ...1.... lor..y r...oO; (13) .OY ....,1 0C0II!lI WbIo11, UIldor tho terms of aay mollPRt or dled 01 trual ~ tIlll note, g\veI you lhe l!ghllo IDreclose on lhe property 1eCIllilI, tIlll note; IDY penon wbo &ips . ..~te .....rill'.....-to ...... tbia Dote breW any promlsc in the .=ri1l''''-'''~ any _ who aIpI. mortgage. deeci of trult, or scp.tate secutlty asreeml!Dt to semre ~II Dote dies, beeomcs 1Mo1ven.t. or mikes al\1aatpmcllt (or the bonetJl of credltors; any petit/on relating to S1IdI a polSOD'S debts Is flied Wl<lar any federal or .tale bJJllrrupllly JaW; or you discover aoy false or misleading statCJQent In such a mongage,. deed of trust, or security asreement. Yo_ RJabtIIlD the Event oCDefabllt Ilany ollh.......... of defaull 00Wlt, or If! VOIWltarlly ewe you p<mCQion of the CoU.tcra~ you baVO 'bell$b~ I1)'OD cllooIe 10 do so. to declue aU RJIIOUllts ..hich 1_ UIldor this !lOte immediately due, provided that you have glYeIl me any !lOt/c:e v.1lIcb the law requires. YOIl may, without judidal procas.. rue ~lI of tJu: Collateral and 8n)Il1l:iq COJIIlt.ud 1D it or attadled to l\. You co OQler 84)' prtvate ptopoI1)' In. 01der to dO thIII,ID tOil U)'O'a do not eormntt. breach of Ute peaee. tt)'D\1 tell me to dO la, 1 Mll doJJver Ibt Collalell.ltD any placa yoU Ilhoose Whlch II reasonably OOlMlntenllO both of us. I m1Qt ISCIlQ yo\! a ootloc by ccrtlflod man witlWl48 hOllR aAeryou take thD CoUatcn1 in ordor to II' back aD.)' propmy con.tatll.ec1 in tbe O>lIaterat or at.._ to it which I do nol_1O ro.ered bfyourseaully In'C1C$'.11I do nol do lIIls, 1 wflllooc \be r1,!ht to claim such property. Yon cart also IDe ttl6 lA cotttt to get tbe Cal1atcrallf you choose to do so. It you employ all. attorney w.ho II not your aal&rlcd employee 10 roIlect any amount ..blch I owe under this note Or 10 protect your tights under this Doto In IIll' My. ( wtll pay reasoaable altOrney'S '- permitted by lew. and cos.. oCany legal procec:dings. Iltereby wa;.e.Ute boIlefit of alllnd,.". valuatiOD and appraisement laws. M:t >>uti.. RegardlDg Ibe CoIlaterlll: If I am obtaining tbia loan In order III purdlase any oCtile O>llateral, I will pUlChase il promptly alIer teeelvlag the loan p_ from you. Anyone woo bas or will have an own...hip interest In the CoIIatcralis SigDlDg eltlter tbia note or . separale seauity agreement No one else era:pt you bas or will have a!eCUfity interest in the Collareral or any legal rig/lls in It I will teU you promptly in writlDg 111 cIlange my adolms. Unless you keep the Collateta!, I wfll keep It at the .dd.... in my loan appijcation or I will tell you in writlDg wbere I am keeping Ie I will nol permanently remove lbe O>llateral from that location unless you give me written permission to do so. I will not aUow the 0>_ 10 be attached 10 roaI property or to any other gOOds without YO'r wril'" permIssion. I wiD nOl aUow Ihe CoDateral to lose its iden.tity or to be used filr any Illegal purpose. If me law of any state requires or permits a certificate of title to be issued roverlng any of tbe Collateral, I wm. mate c:ermin that your security interest is DOted on the oertlfic:ate of title. 1 wW see that the cenl6cate of title is deliwred to you within 10 days of the date oftms DOte. I wiD keep tho CoDateraJ ID good condition and '"Pair, extOpl lbr "",onable wear and tear. and wiU pay aU w.s and other cbarg" wbicb may be _ on ie III fail todoso.youmay.lfyou ehoooe, l3kereasonablesteps to protoet tile Coua'eraJ.ad pay such t.b;eS, other c:bargesl or c:os.ts of repair and maintenance for me. U you do this, you may requiro me to reiJnburse yeu, immediately or at my later time, for any such tue&.. charges.. or costs which you have paid. At the time you pay such amounts. or at any later time, you may add th6 unpaid balance of such amounts to the unpaid balance of the Principal AmOlmt of this note. You may reql1ire me to pay interest on the unpaid balance of such amoun13 at the rate: s.bown on page 1 of this note 01 at MY lower rate. You may, {fyou ch~ increase the amount ot my monrhly payment uatil I have fnUy relm.,ursed you for sum amounts. I will give you writ.en proof of payment of any such taxes or cbarg.. and lbe costs of any repairs, if you request le.Y ou ba",lI1e ript to inspoct the OJUaleral at aoy reasonable time. If tbe O>llateral is lost, damaged, or destroyed, I will stlll pay evtrythi.g I owe under this nOte. . Insurance: If yQu require me to, I will insure the O>Uateral againsr less or damage. Ilyou reqttire mo 10 buy !lood insDrance, I will buy rile amount of insurance coverage which yoo rtqttire. Any ins1lIllnce policy will provide lbr paymeDI of tile insmance proceeds to you to tbe ertent necessary to pay the amounts which I owe under this note. I will give you any WW'8DCC policy or a certificate to show !bat 1 !lave it If I do not buy and maintain the req.ired insurance, or if I do DO' pay lbe premiums, you may, if)'OU choose. do these things for me. U you dO thts and I do not reimbutse you for the premilllnS within a specified time. yOu"may add the unpaid balance of the pJ:'CllliUITIS to the unplid balance ottbc Principal Amount of this note. In this ~ uiterest will be charged on the unpaid balance o(tbese premi\tDlS at the ratesbown on page 1 of this note, beginning on the date you pmd the premiums. .^ I direct all insurance companies providing ftood insmance. other insurance on real or personal property, or aed.it insurance in oonnecticn with this loan to pay)'O'U any money owed. to me (lncludiug any premiums which ,are reNrned. for any mtsoD). You may use any such money to pay amOUnt whk:h I owe onder this note. r appoint you as my attorney in tact [0 cnaone: my mune to any draft Ot' check for such purpose. CREDITOR COpy Page 3 of4 12/1218/2004 06:44 CITIZENS DIRECT COUNSELING ~ 912156363999 NO.557 {;I010 MisceUalleous: This note is secured as indicated in the Fed.etal Truth in Lending Disclosures on page 1 of this note. An the provisions of any mortgage, dee(l of trust, or other separate security agreement ....bich I have signed to secure this note are a part of this note. I will sicn any documents you consider to be necessary, and I 'Will pay aD fees and taxes which must be paid to public ofliciats and which ate'disclosed in tbe Federal Truth in Lending Disclosures on page 1 of this note, ro perfect any security interest which I have given you and to rcx:ord and satlsfy any mortgage which 1 have given you. J appoint you as my attorney in fact to do wharever you mnsider to be necessary to acquire and maintain the lieD of the mortgage and ro perfect and maintain perl'eetion of these security in[Cfests. If at any tiwe you agree to extend the dates 'on 'Wbi~ payments are due ~er lhi.s. DotCt you may cha~g~ m! a ~ for such cxr.ension not m:r.eding $50.00 for each month or partial month of the extenSiOn penod (subject to any linmatlons Imposed by law). You may also require me to pay interest for the extension period at the beginning of the extension peri~ subject to any Umltations lmp05ed by taw. You have no obliption to agree to any extension; and, subject: to any lin1itatiom imposed by JaW, the terms 01 Ibis pmgraph can be change<! if you and I later agree to diJIerent terms. If at any time you reasonably believe that the value of the Collateral ~ become insufficient to :secure the amounts which J owe and any amounts which J may owe in the future under this Dote. I will give you aclditionaI collateral. If any money wldch I owe UDder this note is not paid when it is due, you have the rigbt to take that amount from any deposit which I have with you, now or in the future, other tha:n deposits in I'ndividual Retirement Accounts or Keogh (RR. 10) Plans, or deposits in whJcb the law prohI"bits you from having a security interest. You will continue. to bave any security interests wh1cb. you have taken in conJlection with any previous note which is being refinanced tJy thls note. U you have any liens on my property as a result of entering judgment un4er the terms of any previous note which is being reftnanced by this note, you may retain those liens to secure the amounts refinanced. I 40 not have any defense to the enforcement of any such judgment. Regardless of the terms of any otber document. this Dote will not be secured by any deposit other than those which I bave with )'011 indMdually or jointly, nor by BRY orner property, unless a sccuri1;y interest in sul;h deposit at other property ball been given to you in this note or in a document referring speci1icalIy w this note or another extension of credit Funher, 1l1is note will not be secured by any real property unless a security inleresl in such real propertY !las been giveu to you In a cIocumenl refenin& specifically to this note or a previous note which is being reftnanced by this note, or you have a lien on sueb real property as a result of cnteriDgjudgment W1der the terms of a previous note wbich is being refiD.anced by this note. I authorize you to pay that pan of the Principal Amouut sbown in the Ite_tioD of the Amounl Financed OD page 1 01 this Dote as -Amount given to me directly,. and any money which you may owe me for any reason in coo.oection with this loan, to any or 10 aD 01 the peISODS signin~ IhIs uote as "Bom>wer.' My endorsement of a check lOr any pan oflbis amounl will ovideace my COnsenl to plIJIIlent 01 thaI pan of the Priucipal Amount to any other payee named on the meek. If, on any partiC11lar occasion ;r for a period. of time, you do Dot cbarge me a rate or amount which I am obligated to pay under this no~ or dtarge me a lesser rate or amount, or do not emorce a right or remedy which yon have \aDder this note, or enforce a right or remedy to a lesser extent than permitted by this note. you will still have the right to charge the full rate or amount or enforce that right or remedy to its fullest extent at any subsequent time. If I make a partial payment and you accept it, even though tt is dtsigoaled as lull paymea~ 1 wiIIatill owe the reat 01 the mODey 1 should bave paid. In additioD to the rights and remedies provided in this note, you will have all rights and remedies provided by law. 1 may pay aD or any pan olthePrincipaI Amount before it is due, without auy penalty. The unpaid. balance of the Principal Amount for any cia)' is dete1'IDllled by taking the beginning balance for !bat day~ adc1ing any amount whieb you add to the Principal Amount that day under the temts of this note, and subtracting that portion of any payment which is applied that day to the Principal AmoDnL Payments win be applied lint to interesl and ...y other charses due, lllOlllO the PrIncipii AmounL Paymea.. received OD SaNrtlays, Sundays, or holidnp wllllle credltell aa It mad. un th.lonowlllg bu.lin...day. If I have si,gned. a request for credit insurance, the provisions of that form and the Group CledIt Life Insurance Certificate are a pari ollbis DOle. If It is detennined for 3DY reason that a part of this note is invali<l Or unenforceable, thJJ will not affect any other part of thIs nole. 'Ibis DOte will then be read aa if the iImlIi4 or unenforceable pan wete not there. You can traIISfer your rights and privileges under this note to anyone you cboose.. My duties under this nole will be )*lbrmed by my heirs .... penonalrepreaentatlvt$.I will 001 =ler any rights which I have andor Ibis aole 10 anyo.e.1 u.demand that h1f ob1ipdcw to you uaclcr tlds Dote wilI not be affected by any divorce pIOCCCding nOt by anr order of court issued in such a prooeedlllg. I!lll!epllO.tlle IXIeIlllbal Fadaral JaW appllel, the Jaws ollbs stale in whld! yOUr OlliCllSbown on page I nlthis note illoC8tell wiH apply to iI:!I DO"' I:.D au ruDCtl, 1/W. _owIcdp thlll these "'. pages 3 and 4 olth. ProlUisSOly Noto (Se<ure<!) which lIWe have aipJed OD pag... JOHN K :IVANOFF 9:tJt< o? elI) (JiobloIo) CrKomA R rvANon- (Inl".) (bUtJaIo) 041096 10.20 f'a8e4ol4 12/08/2004 06:44 CITIZENS DIRECT COUNSELING ~ 912156363999 NO. 55? ~002 " Cj). {bc,1' ~.. R,.Id"Il;.J1>roporV ThIs Mooipge is made this ..ll- day of APRIL 19..2.L-, between JOlIN H. rY:UI'OYi' crN'rBIA R. IVAlfOFP (horeinaft", <aIl04 'Mortgagor") alld KllLLON aANl\. N. A. (heroinafter <aIl04 'Mortgag<:c'). As """ _. the tenD. 'Mortpgol' retors individually on4 oolkotively to all Mortgag- ors, an4 all sueb persons shall be jOintly and several1y bound by the terms hereof: Whereas, JOHN K tviUfOi'F CYMHIA R IVANoFF (hereinaflet individually and ooUoctively call04 'BorIOWeI") (is) (are) _te<l to Mort_ill the plindpal sum of .**$56,325.00*** DoIlm(S S6325.0flj evidenced by a note, contraa. or letter of ctedit app1ia.tion (.the Note') dated lU'RIL 10 ,19 96 To liCCIIl'e the payment of an sums due or which may become due under the Note and any and. aU enensions or renewals Ihcroof in whole or in part (all of which is hereinafter callo<! lhe "Obligation"), 8Ild to secure pedormancc of an obligations un4cr the Note and this Mortgage, Mortgagor by these pr......., inteudlng to be le!Jl'lly bound, doos 8""'1, bargain, sell and convey UDto Mongagee and US S~ and assigns all that certain property $ituated in CUMBERLAND County, PenosylvaDia, and more particularly described in ExhIbit 8N', attaebed bereft) and mAde a put hereo1; JL..2ll'Rft'.(9tH) Lc.(MI) Ul0' . Together With All the buil4ings and im.ptOYOlIlents mole<! thereon, the privileges ancl appurreoances thereuoto beloDgiD.g, and t]le rcversion$ and remaiDdcrs. rents, issues, and profits tbeteof (all of whidl is bereinafter <ailed the "Mortgaged ProperlY'); 1'0 Dave And To HoJd the same unto Mortpgee and its sue- CC!iSO($ and assigns. Forever. Provided, However, that upon payment in luU ottbe Obliga- tion. the estate hereby granted sball be discharged. Mortgagor represents, warran1S, covenants, and agrees that: Ffnf: Mortgagor will keep and perronn all the _IS and agreements contained herein. StK:ood: Without prior written. ronsent of Mortgagee. Mon,gagor shall not ca... or permit 1ega1 or "Iu1table title to oJ! or part of the Morq;agcd Property to beCome ...Ied in any other person or entity by sale, opemion of law, or in any other manner, whothervoluntarily or iDvoItmtanly. 'I1Ih'd> Morrgagor warrants tbal Mortgagor OWIIS the foe simple tille ro ll>. Mortgag<<! PropertJr me and clear of all liens, c:labns, and encumbranas sccpt those to Wbicb Mongagee bas CODSOllled in wriliq. Mongagor _IS rbat the Mortgaged Property .shaH continue to be hel<l _ and clear of all lfeOS, cIailns, and eDClllltbran"", """'I't as "'l',...1y permitted by MOJt8lIgee in writing. Fourth: Mon,gagor will pay whca 4"" all talIoS, assessments, levies, and otIler charll'" .n or ....... the Mongaged Property whicb may attain priority ..... the lien ot this Mortgage. If Mortgagor lalls to cIo so. MortgaltO at its sole option may elect to pay sucb taxes. assessments, levios. or other cbarges. At Mortgagee's ""luost Mortgagor shaU deliver written evidettce Of all such payments to Mortgagee. FIlIIo Mortgagor shall koep the Mortgaged Property in goocl repair. excepting only rcasonabk -wear and teat. Moltgagor will permit Mort!Jl'gee~ a.thoti2od re.preaenta1ive5 to enter upon the Mortaqed Property .t any reasonable time for the purpose of inspecting the condition of the Mortgaged Property. Witl10ttl the written oo"""t of Mongagee, Mongagor will not permit ........1 or demoUtion of improveme.uJS now OJ hereafter erected on Page tofS 8lIO.1313,AGt 610 12/08/2004 05:44 CITIZENS DIRECT COUNSELING 7 912156363999 NO.55? Q004 n..2S6h9.(9.94)L..C.l18C)L.D.0t Property Wldel sold I..... (}I otlt<<wise. Mortgagee shall bave no obligation ID portorm or _go any dvlY 01 liability under sudlleases,. but shall have full al,lthotization to cotleet all rents under the leases or otherwise, to take possession ot and rent the Mortgaged Property, and ro w.. any actioll, including legal actioll, il cIecoJ.s noo:ssaJy to preserve MOrtgagor'. or MorrpFs rights 1Jllder S~ch I...... Mortp&o.f shall not collect any rent in advance ot the date it is d.ue. TwdlIb: In the e><nl thaI (a) any """""lY, rovenant, (}I _"'" """lai.uOO berein is breachc:d; (b) any ~JtSeIltatiOD or WirRnty ,contained herein. or otherwise ..... by any Mortgagor i.u ",nnectlon with this Mortgage proves to be lilIJ;e ol1Disleading; (e) any deJiluIl """'" under the terms of the Nore or ;my .agreement evidencin.g, secu.ri1lt or othctwbe executed. and delivered by any Borrower or Mortgagor i.u connection with the Obligation; (<I) any default o<:cutS under the. term. of any other mortgage or other i.ustr1lmont ct_g a Hen on lI1e MOrtgaged l'roperty; (e) a holder of any lien encumbering the MortgBgc:d l'ropetty or any portion tbereof (whether such lien is junior or superior to the lien of this Mortgage) CQmmences a foreeJ.osure or any other proceeding to CleCQte on such lien: (t) any Mortgagor becomes inSolvent or :makes an assignment tot the benefit of creditors; or (g) any .9ctlon.. petition or other proceeding is filed or co.lDJ:1lf:nced under any state or (ederal bamkruptcy or i.usolven<:y law, by Mortgagor or anyooe else, rega_g tlle ...... ofMorrpgor; -, i.u addition to """,,",ing ..y riab.ts which., Mortgagee D:l8.y bave under the tenus of the Note OJ' any ~ent sec:uring repaym.ent of, or relating to, any poni(ut of the Obligation ot whidJ. are otherwise provided by law, Mortgagee. may ftrreelose upon the Morttag'" Property ':,. '. , ..,..... BodJ13liAs( i)!2 by applopriate legal procec:dings and ..n the Mortgaged Property for the coDection of the ObHgadoa, weether with {'(lSC of suit and an attorney's coli1IDissjon equal to Ih<> losser of (a) 20% of the atDOlIDt d... O[ $500.00, which.... is greatel, 01 (bh;the 'n''''''"tm amount permitted by law, Mortgagor hereby fo[..., waives and releases all errors in the said proceeding!, stay of e:xecution. and the right of inquisition and ~ion of time 01 payIlletlL Tbh1eeDlb: The rigIus and r:emedles of Mortgagee providc:d bereiJJ, i.u the No"" or in any orl1et agn:em<nt secariIIg tepaylDenl of, or telaling to, any portion of the Obligation, or otheIWise prOVided by taw, shall be cUID:ulatiVe and may be pursucc1 singly, amcurrently, O'r successively at Mottgagee's sole disaetfon, and may be exercised as often as necessary; and me taUore to exercise any such right or rel2redy shall in no event be eonstrued as a waiver or teJease of the same. Fonrltenth: The covenants, C011ditiODS and agreements contained herein shaD bind the: hells, personal representa:tives, Md SlZGCCSSOlS of MoJ1&agOc, aM the rights and privile~ contained herein shan inure to the successors and assIgnS of Mortgagee. _. Tltis MOrtgage SMU be governed in aU res"""" by the !In\o of PennsyIYania. II any provisioo he:reof sbaI1 for any reason be beld Invalid Ot vnenforceable. no other ptovlslon .baII be _00 theteby, and this Mortgage 5baJl be ",..tl1Jc:d as if the invalid or unenforceable prmisioa had never been part of iL <.0 en :::0 ';g ,..: '" i;; "I ~r, 1,,(")1;') ,..,:,:>'" r'~ :1' .::: t,."'_ -,; -0 :3 ',"", 2 ~ :~-: g~ r-' - co -. p' -<0,; <:; Page 'ofS 12/08/2004 1216:44 CITIZENS DIRECT COUNSELING ~ 912156363999 NO. 557 Q00S 'WltDeSs the due executioo. and sealing hercofthe day and year fust abOve written.: w..= (\ <...D ~ ~ .JOllII ",.~IVl\HOF~ /1 X l:.....-'bJ~ .x.CI.rc.....fr/ _~'/IL (Seal) W~ . , M~ X X (~) ;- CL ~ ^ ~"''t.~ 'fl I~7i (Seal) w.... "_IOC~ t X x (Seal) . HELLON' BANK. N. A. , Mortgagee within named, hereby certifies !bat its pr/tldpal place ofi>llsin<:SS is at 10 SOUTH MMUT SQUARE COMHONWEALTB. OJ! -PPHSrLV2\NIA County of On the \O~ JOHN H. lVANOF!' c..,.,~ ~\ cnm<IA 1\. day or .19 CUe. I before me personally came IVlI/lOFF I who, being Commonwealth lllPCIlDSJ'!vania I Coml1)' or ()/ A1..kt.tu .L ss. R='{Z in the Ofll<e 01 the Recorder 01 Deeds in and [or said Counlyon the. /~ t9 I , in Mnngage Book VOlume IS! 3 , page (; /0 day of V&Lt/ ' I Witness my baud. and the seal ot said. ot:Iict'J t1:zc day and year afpmaid - X 041096 09: 41 . u..... '"',.... Page.4atS . ~..",.. Bood3i3nGt .6~;::- -:;; f..r;.~'~~,?: j.; ~z..~f;'~'-";\ -,.... 'ii, 12/08/2004 06:44 CITIZENS DIRECT COUNSELING 7 912156363999 NO.557 1>006 ..... JOItN k. IVANOFF " CYN'I'aIA R. IWlNOPF 1b MELLON BANX, N. A. R=nk:r"IOBi( to MELLON BANK N. A. P.O. BOX 149 PITTSBURGH, PA 15230-0149 L4466Zm 0275 00414 Tax Parcel iI: . LJ!Gr;I; DESCRIPTION: ALL THAT CERTAIN PROPERTY SITUATED IN EAS'!' PENNSBORO WWNSHIP IN THE COtlNTY OF CllMBERLAND, AND STATE OF PENNSYLVANIA AND BEING DESCRIBED IN A llEED OJl.TIlD 06{01{87 AND Rl!CORDED 06/03/87. AMONG THE Ll\ND Rl!CORDS OF THE COtlNT'l AND STATE SET FORTli ABOVE, AND REFERENCED AS POLLOWS, BOOK R32 PAGE 1062. LOT 8.9,10 SECTION B HOOPY'S ADDITION PIAl' BOOK 1 PAGE 7 SEE LOT n..-2SGR..v.~,.,...)r-c.9..9tLDlom p,gcs ofS 041096 09-41 Bood313m 614 EXHIBIT "C" ALL THAT CERTAIN tract or parcel ofland situate in East Pennsboro Township, Cumberland County, more particularly bounded and described according to a Survey of William E. Sees, Jr., Consulting Engineer, dated April 21, 1960, as follows: BEGINNING at a point at the Southeast corner of Perry Street and Zion Street; thence Eastwardly along the Southerly line of Perry Street, eighty-three and ten one-hundredths (83.10) feet to a point; thence South eight (08) degrees thirty (30) minutes East through the center line of a partition wall between premises herein described and premises adjoining on the East thereof known as No. 330 Perry Street and beyond, on hundred twenty (120) feet to a point on the Northerly line of a ten feet wide private alley; thence South eighty-one (81) degrees thirty (30) minutes West along same, eighty-three and ten one-hundredths (83.10) feet to a point on the Easterly line of Zion Street; thence Northwardly along same, one hundred twenty (120) teet to a point, the place of beginning. BEING parts of Lots 8, 9 and 10, Section B on Plan No.1, Noopy's Addition to Town of Enola, recorded in Plan Book I Page 7, Cumberland County Records. HAVING thereon erected a two and one-half story frame semi-detached dwelling known as No. 332 Perry Street, Enola and a one-story block garage. Tax Parcel #09-14-0832-374 F:\WPC T\DOCS\31664\lvanotY-497\Complaint03U805.wpd / .. ''" ~ ...: ~ SILVERMAN BERNHEIM & VOGEL LAUREN R. BERSCHLER DIRECT DIAL: (215) 636-3965 e-mail: Iberschler@sbvlaw.com :)f COUNSEL IONATHAN A. SAJDEL 'vtARY B. STEIN r WQ Penn Center Plaza Suite 910 Philadelphia, PA 19102 '. 215.569.0000 '. 215.636.3999 ;entry Office Plaza U6 Haddon Avenue ~uite 704 Westmont, NJ 08108 856.858.9499 " 856.858.4606 ..,rww.sbvlaw.com Attorne)'s at Law CERTIFIED MAIL-RETURN RECEIPT REOUESTED and FIRST CLASS MAIL IMPORTANT: NOTICE OF HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 PLEASE READ THIS NOTICE. YOU MA Y BE ELIGIBLE FOR FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS DATE: January 20, 2005 TO: Jolm M. Ivanoff and Cynthia R. Ivanoff 322 W. Perry Street Enola, P A 17025 FROM: Lauren R. Berschler, Esquire RE: Mortgage dated April 10, 1996; Account no. 6080036111 MOligaged Property: 332 West Perry Street, Enola, P A 17025 Your MOJillalle is in serious default because you have failed to pay promptly installments of principal and interest as required, for a period ill excess of sixty (60) days. The total amoUllt of the delinquency is $1,980.74 The sum includes the following: Principal and Interest (overdue from 10114/04 through 1114/05; 4 payments @ $584.44) Late Charges Overage TOTAL AMOUNT OF DELINQUENCY $2,337.76 75.00 ( 432.02) $1,980.74 Additionally, another payment of $584.44 becomes due on February 14,2005. F,\WPCNET\DOCS\31664\Ivanoff-497\Act91.01200S.wpd SILVERMAN BERNHEIM & VOGEL You may be eligible for financial assistance that will prevent foreclosure on your Mortgage if YOll comply with the provisions of the Homeowner's Emergency Mortgage Assistance Act of 1983, as amended (the "Act"). You may be eligible for emergency temporary assistance if your default has been caused by circumstances beyond your control, and if you meet the eligibility requirements of the Act or determined by the Pennsylvania Housing Finance Agency. Please read all of this Notice. It contains an explanation of vour rights. Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you have the right to arrange a "face-to-face" meeting with a representative of this lender, or with a designated consumer counseling agency. The purpose of that meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency. That meeting must occur in the next thirtv (30) days. If you attend a face-to-face meeting with this lender, or with a consumer credit counseling agency identified in this notice, no further proceeding in mortgage foreclosure may take place for thiliy (30) days after the date of that meeting. The name, address and telephone number of our representative is: Zharma Ulyantsev Citizens Bank of Pennsylvania 100A Sockanossett Cross Road RDe -100 Cranston, Rl 02920 1-888-522-7552 The names and addresses of designated consumer credit counseling agencies are: Adams COlmty Housing Authority 139-143 Carlisle Street Gettysburg, P A 17325 (717) 334-1518 CCCS of Western PA 2000 Linglestown Road Harrisburg, PAl 71 02 (888) 511-2227 Community Action Commission of Capital Region 1514 Derry Street Harrisburg, PA 17104 (717) 232-9757 F:\WPCNET\DOCS\31664\Ivanoff~{9?\Act91.012DD5.wpd SILVERMAN BERNHEIM & VOGEL Loveship, Inc. 2320 North 5th Street Harrisburg, P A 1711 0 (717) 232-2207 Maranatha 43 Philadelphia Avenue Waynesboro, P A 17268 (717) 762-3285 PHFA 211 North Front Street Harrisburg, P A 17110 (800) 342-2397 It is only necessary to schedule one face-to-face meeting. You should advise this lender inunediatelv of your intentions. If you have tried and are unable to resolve this problem at or after your face-to- face meeting, you have the right to apply for financial assistance from the Homeowner's Emergency MOJigage Assistance FIU1d. In order to do this, you must fill out, sign and file a completed Homeowner's Emergency Assistance Application with the Pennsylvania Housing Finance Agency. The consumer credit counseling agency will assist you in filling out your application. It must be filed or postmarked within thirty (30) davs to vour face-to-face meeting. You must either mail your application to the PelIDsylvania Housing Finance Agency, or you must tile it at an office of one of the designated consumer credit counseling agencies listed above. The Pennsylvania Housing Financing Agency is located at: 211 North Front Street P.O. Box 8029 Harrisburg, PA 17101 Telephone: (717) 780-3800 or 1-800-342-2397 (toll free number) An application for assistance may be obtained from a consumer credit counseling agency, or directly from the Pennsylvania Housing Finance Agency. It is extremelv iml101iant that vou tile vour apl)lication promptly. If YOU do not do so. or ifvoll do not follow the other time periods set forth in this letter. foreclosure mav proceed against vour home inU11ediatelv. F:\WPCNET\DOCS\31664\Ivanoff-197\Act91.0120D5.wpd SILVERMAN BERNHEIM & VOGEL Available funds for emergency assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. It is extremely in1Dortant that your application is accurate and complete in every respect. The counseling agency will help you fill out the application. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that additional time, no foreclosure proceedings will be pursued against you if you have met the time requirements set fOlih above. You will be notified directly by that Agency of its decision on your application. Very truly yours, cRClliU~~uG-- Lauren R. Berschler, Esquire Attorney for Citizens Bank of Pennsylvania LRB/lc THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. HOWEVER, IF YOU HAVE PREVIOUSL Y RECEIVED A DISCHARGE IN BANKRUPTCY, THIS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED AS AN ATTEMPT TO COLLECT A DEBT, BUT ONLY AS AN ENFORCEMENT OF A LIEN AGAINST PROPERTY. F:\WPCNET\nOCS\31664\lvanoff-497\Act91.01200S.wpd .******..************.******************************************************* NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICES ACT ***************************************************************************** I. This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 2. Unless you dispute the validity of this debt, or any portion thereof, within 30 days after receipt of this notice, the debt will be assumed to be valid by our offices. 3. ]fyou notify our offices in writing within 30 days of receipt of this notice that the debt, or auy portion thereof, is disputed, our offices will provide you with verification of the debt or copy of the judgment against you, and a copy of such verification or judgment will be mailed to you by our offices. 4. If you make a written request for it within 30 days hereof, I will also send you the name and address of the original creditor if different from Citizens Bank. SENDER: COMPLETE THIS SECTION . . . . . . 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 mallpiece, or on the front if space permits. 1. Article Addressed to: \" ,'cV\ ! If,., L'lt"i "_) ul b I \J ~'II,~-y \1) \ 322- IN ?tyY'{ ,Sne[t \::(\0(6(\ vA \ll)L'J A. Slgjlature / x' 1," ! i> 0 Agent - ,,,j_~~r- ,-v 0 Addressee B._Received by (Printed Name) /~ p. D~te of D~livery /, \'~ ~ ','I.) -"l,i'/ ,V.;. '/.L'; j' D. Is deUvery address different from Item 17 0 Yes If YES, enter dellvery add~ss below: 0 No 3. _ Service Type ~ Certified Mall 0 Express Mall CJ RegIstered ~'Retum Receipt for Merchandl$e o Insured Mall 0 C.O.D. 4. Restricted Dal\ve!y? (Extra Fet;) D Yes 2. ArtIcle Number (Transfer from servlca fabe/) PS Fonn 3811 , February 2004 7003 2260 0004 2832 4160 Domestic Return Receipt 1025a5-Q2-M.1S40 f o ..JJ r'l ~ U.S. Postal ServiceT" CERTIFIED MAIL" RECEIPT (Domestic 'Mail Qnly,. No Insurance Coverage Provided} ru m rO ru ClSrtlfledFee ~ o o Cl Return Reclept Fee {endorsement Required} Cl Restricted Delivery Fee -D (Endorsement Required) ru ru Tota.l Postage & Fees $ m R s;::~,sJ,o,bY.L--M.,.jY.MtDff=:==~:~::.:_:..__.m._..____ ;~~~~~~~p}*;;L.._~-~~-._f~if~_..St1.--0'..--'.--._---_...__.-.-_. , , SENDER: COMPLETE THIS SECTION . . . . Complete Items 1, 2, and 3. Also complate 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 mallplece, or on the front If space permits. 1. ArtIcle Addressed to: A. 'i~nature X_c v\( L. DAgen. D Add...... C. Date of De/Ivety ~ ~,Recelved by (Pr1nted Name) Q~nthlt\_ K,UL1(\[\{( S.l}, V~. r(XV~1 Sn aJ ( {' ,.\ \ !l 01\ \1 [\'Ul 1:/1 ,,'- '~\..l r K . D. Is delivery address dffferent-from Item 1? 0 Yes If YES, enter deDvery address below: ' [J No 3. ~lce Type ~ Cart/fled Mall D exp.... Mall D Registered 'I;! Retum RacaIpt for M""""'ndlsa D Insu"'" Mall D C.O.D. 4. Restrlctad Delivery? (Extra Faa) D ~ 2. ArticleNumbar F". /./' .. ili I (rnmsforlrom_iJJ!i,Q",,,I,, ,j Hf.i7D,l;J,'Ill' 2260 0004 PS Form 3811, February 2004 Domestlc Return Receipt 2/\32 4153 10.2595-02.M-,540 m LI1 .-'l :;r U,S. Postal Service", CERTIFIED MAIL" RECEIPT (Domestic Mail Only; No Insurance Coverage PrOVided) ru m '" ru ,{pC; "":...'! lff' . '"'I> 1, ~{lO!"\'" :;r 0 06rtliied Fee 0 0 Return Rec/ept Fe8 (Endorsement Aaqulred) 0 Resb1cted Delivery Fee .1J (Endorsement ReqUired) ru ru 1btal Postage &. Fees $ m ~ w'--'"'-- T}U1.thl.f!~,jl,.Ii{rll1fL In._____.____n____' otraet, Apt. fl/;:, '")..... Q - /f. ~~S~~~;;P+4,Qk--?;:'-u..L;_.l,e.r.L~_~'ii'::-'--n--.--.----.__.- TJ0 ~\ ~~ -k). vt I.rt li\ C> -U F- :b +- X ~ - :.:? ~,',':. r-n:}}. ::::~ _,I)j - -.... c:? J.;- j;.;..-- g SHERIFF'S RETURN - REGULAR - CASE NO: 2005-01304 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CITIZENS BANK OF PENNSYLVANIA VS IVANOFF JOHN ET AL GERALD WORTHINGTON Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according 0 law, says, the within COMPLAINT - MORT FORE was served upon IVANOFF JOHN th DEFENDANT , at 2000:00 HOURS, on the 17th day of March 2005 at 332 WEST PERRY STREET ENOLA, PA 17025 by handing to CYNTHIA IVANOFF, WIFE a true and attested copy of COMPLAINT - MORT FORE together ' th and at the same time directing Her attention to the contents the eof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 18.00 11.10 .00 10.00 .00 39.10 ~;;J:;;-"",,,,~",:~ R. Thomas Kline 1t<:'-;:;"; '" <?: ~.;" -'~ 03/18/2005 SILVERMAN BERNHEIM & VOGEL Sworn and Subscribed to before By: me this ( ~ ...f. l day of ( Or; a~ A.D. ~)' SHERIFF'S RETURN - REGULAR , CASE NO: 2005-01304 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CITIZENS BANK OF PENNSYLVANIA VS IVANOFF JOHN ET AL GERALD WORTHINGTON , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon IVANOFF CYNTHIA t e DEFENDANT , at 2000:00 HOURS, on the 17th day of March , 2005 at 332 WEST PERRY STREET ENOLA, PA 17025 by handing to CYNTHIA IVANOFF a true and attested copy of COMPLAINT - MORT FORE together ith and at the same time directing Her attention to the contents th reof. Sheriff's Costs: Docketing Service Affidavit Surcharge 6.00 .00 .00 10.00 .00 16.00 So Answers: -~-G0/~~,.". ~:r'- ,'--:;;'~~'___;,7" '. ',. ....,,_..'. p~ ...;i"":,.. i,;.~-~~-""'~'!:-~ , R. Thomas Kline 03/18/2005 SILVERMAN BERNHEIM & VOGEL Sworn and Subscribed to before By: of A.D. I ~ SILVERMAN BERNHEIM & VOGEL BY: Daniel S. Bernheim, 3d, Esquire Lauren R. Berschler, Esquire Identification Nos.: 32736 & 88209 Two Penn Center Plaza, Suite 9 t 0 Philadelphia, P A 19102 (215) 569-0000 CITIZENS BANK OF PENNSYLVANIA Plaintiff v. JOHN IVANOFF and CYNTHIA IVANOFF Defendants COURT OF COMMON PLEAS CUMBERLAND COUNTY CIVIL ACTION NO. 2005-0l304P PRAECIPE TO DISCONTINUE WITHOUT PREJUDICE To the Prothonotary: Pursuant to Pa.R.C.P. 229, mark the above-captioned action discontinued without prejudice. Dated: May 13,2005 F\WPCN \DOCS\~ I 664\1vanoff-497\f'raecipeOisconlin""D'iI .105 wpd Respectfully submitted, SILVERMAN BERNHEIM & VOGEL BY: it .~^) (-::-:::> '":;~, 0' -. Ci -" ::;l it'; ,-:;,'-\ C"I r.f.