HomeMy WebLinkAbout05-1902
Donald L. Kornfield
Kornfield and Benchoff, LLP
17 North Church Street
Waynesboro, PA 17268
(717) 762-8222
FAX 762-6544
don@kornfield.net
Atty. I.D. #19242
PATRIOT FEDERAL CREDIT UNION
Plaintiff
IN THE COURT OF COMMON PLEAS OF
THE 9TH JUDICIAL DISTRICT, PA.
vs.
CUMBERLAND COUNTY BRANCH
:
CIVIL ACTION - LAW
DENNIS F. YAUKEY and
GLORIA J. YAUKEY
~ ()!; - /q6~
C~L>:l ~~vT1
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 an attorney and filing in writing with the
Court your defenses or objections to the claims set forth against you. You are warned that if you fail
to do so, the case may proceed without you and ajudgment may be entered against you by the Court
without further notice for any money claimed in the complaint or for any other claims or relief
requested by the Plaintiff. You may lose money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW.
THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A
LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER
LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Cumberland County Bar Association
32 South Bedford Street
Carlisle, P A 17013
Telephone Number: 800-990-9108
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE
ADVISED THAT THIS LA WFIRM IS DEEMED TO BE A DEBT COLLECTOR A TTEMPTING
TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT
PURPOSE.
AMERICANS WITH DISABILITIES ACT OF 1990
The Court of Common Pleas of Cumberland County is required by law to comply with the
Americans with Disabilities Act of 1990. For information about accessible facilities and reasonable
accommodations available to disabled individuals having business before the Court, please contact
our office. All arrangements must be made at least 72 hours prior to any hearing or business before
the Court. You must attend the scheduled conference or hearing.
PATRIOT FEDERAL CREDIT UNION
Plaintiff :
IN THE COURT OF COMMON PLEAS OF
THE 9TH JUDICIAL DISTRICT, PA.
vs.
CUMBERLAND COUNTY BRANCH
CIVIL ACTION - LAW
DENNIS F. YAUKEY and
GLORIA J. YAUKEY
# OS" - /9oJ.........
GUlL ~8L~
Defendants
COMPLAINT IN MORTGAGE FORECLOSURE
I. Plaintiff, Patriot Federal Credit Union, of 800 Wayne Avenue, Chambersburg,
Pennsylvania, brings this action to foreclose a mortgage dated June II, 1998, between Dennis F.
Yaukeyand Gloria J. Yaukey, Mortgagors, and Patriot Federal Credit Union, Mortgagee, which is
recorded in Cumberland County Mortgage Book Volume 1461, Page 790, a copy of said mortgage
executed by Defendants is attached hereto and made a part hereof as Exhibit "A".
2. The land subject to the mortgage is situate in Hopewell Township, Cumberland
County, Pennsylvania, conveyed to Defendants by deed of Eugene S. Dunlap, dated February 18,
1971, and recorded in Cumberland County Deed Book V o\ume Z23, Page 47, a copy of which deed
is attached hereto and made a part hereof as Exhibit "B".
3. The mortgage has not been assigned.
4. Defendants are the real owners of the land subject to the mortgage and their address
is 32 Jumper Road, Shippensburg, PA 17257.
5. The mortgage is in default because Defendants have failed to make payments upon
the Mortgage. Notices of default in the form of Act 91 were delivered to Defendants by first class
mail with proof of mailing and certified mail dated February 24, 2005, and receipted by Defendants
on February 25, 2005. Copies of the Notices and mailing receipts are attached hereto, made a part
hereof and marked Exhibit "C".
6. The following amounts are due on the mortgage:
a.
b.
Principal and interest
Attorney's collection fee
Total
$36,616.47
5.492.47
$42,108.94
WHEREFORE, Plaintiff prays the court to enter judgment in mortgage foreclosure in the
monetary sum of $42, 108.94 together with costs and interest at the contract rate after judgment.
KORNFIELD AND B NCHOFF, LLP
By
I verifY that the statements made in this Complaint are true and correct. I understand that
false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to
unsworn falsification to authorities.
.'
PATRIOT FEDERAL CREDIT UNION
BY
l I.,.
' / (
//'-/..t/ / I
Feb-23-05
L
14: 1 9
From-P Feu
7172633824
T-266
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WHeN flECORCiO, MAIL TO
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OPEN-END MORTGAGE
THI8~_URllMUfUlADVANCIiJI
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W,",ICI~ PAOVIDliB FOR A R.EVOL.VIN~ UNl! Of' cMDIT AND MAY OONTAIIII A IJAAlABLE JV.~ OF INTifleaT.
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EXHIBIT
A
P.OI2/016 F-473
F.b-23-05
14: 1 9
From-P Feu
1172633824
T-2SS
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TIlIa PrDPI"V Min' PllnnedUl'Il1 ~'nlkr,ll'ltlll.
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EIosToWI' .nd LeMor .1II,,",.uI agnMi ..Ia~a:
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lnQn.lltlnQo1lpaVIl\lJI'I\'U~mDyr.-.olrl,
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AU. tlm,t. tlert.r.1n trAOt. at land a1t~..t.a in Hapo)tell '1'own:rhlPa ClJIlIborJ.ah4 CountJ,
hnn:t)'lY/lnU, more .ru:Uy bolU'ldod AI'1L1 dt-.cr1bod ... .rOllCHDI
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..nd comeS" 01 JAM ot Anna t1. Q,t.pe i theno. ...lo~ tho u.id 01p. land tlc:rth $6
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WOlll; 1112.64 &Dltt to Ar'I :LrQn pin and otha- lanll ot' the Ol'&nt"l' h.-ftLI'1I theMO
h, lD.nd at t.llo Qrfl.nt.ol' herein North 0 dolt'.... )1 Ild.n\l,t.o., I:....~ 296.35 teClt too 4.1':1
1;0011- pint tllo:nOI) ~ tt.....aM a~ut.h 71 Dolf'l'D $3 m1)'r\:1'toe hot 14S.ll.B het t.o I.
1~11ca in toht d:t.14 '1'o~rwh1.p ttotatt 360; tbanaa ~ the l!iU.d tOtlnJ'h1p Jll;llttA 360 tohQ
f'glJ,Olflng cOllnai I Soutb 07 dacnol 19 m1n"~.. Welt JJ.S9 1'&.tJ Souton 12 "naTaa:!!
0) l\'\1.nl),t,ao Wall'\. ~.B) tMt, t\llnc. SQ",tlt DS d1O:'I'1PlI811 ~S 1I1nu:t.... 'WIUt 1~.l.JO CMt
to an o;Q.i!lt1ng .p1ko, 't.hA pl&o. oJ: B!OINNlNO. Cct/~AININO '.912 acrCl3, mOl" or
lass, o.ooWdJ."I tG 11.11"10)' GJ.' W1llUrq A. Bl'1ndle Auoc1&teu, IIado Ja.nulI7 U-~2s
l.nl..
SllBJEOT, 1iOWE1/.B:I!Lt.o.. Itl'1Jt ol1am! J,:I1pg to the Wa.t. ot t.~o "811tar1.1rw t4 laid
TtlWnah1jl flout. ,10(1, beLna: t'Jle IrDhtAt;. or the .'bOY' dll.arilled pHIIiu.... n,."~
tt..r ty'toun lIid11n1na: at D41.d Tawnah:l.p l\oQt.. . ; ,
aV!lJltOT FlJRTliIlll. to . rilht ot lI03 )) teet .n wUlth. ot ....~ 16lhtt ... !ran
the NQrth.X'n edB_ at tn. above dD4Q~1b1d premilltl and thll o~h.r l6i tilt. 1R
ACl~ac.nt. ihar.to ot), th. NQrtbJ .aid i,"iCt\t o.r W&:I Ind.ll~ fra 'Cohe ta1d 'l'awn1l\1.p
Rf.uta 360 to a. fIlc1nt 745.48 fe.t. in . \rleltll!'ll d1rect1onl add right at ~
exists tl# the ulI'e [It' tb. a'ranter, b1a h.il', l1n.d ~nGnll, tila Grantelll, 'th.1;r
rnd.ra: a.nd &.ui&;nl.
BI~tWQ part of a lU'S" .tann wM.on WI II. ~IZ'" heinr 1ll1:aU tnel'4ol d;i.ed Al.llJ,l.I.Qt
l~, 19J1, int.Ut.a.tDJ p.n6 'wb1cb ibll he1.r4 &\.ll\w of the lItL:I,cI W. H. "b~"
d~cO&lIlId, bj thd.r d..d dated Ho.rllh U. 1939, lI-ncl raADrdad l.n tbe Ort1.oo ot tng
1l,~eordltr oJ: Deadll in p.nCl lor ClJII\'bel'lll.M Count.y, 1n Dud Bc:IolC Jl1'1l J VollAne llJ
?4g. SO), cOnY'ejod to BusOM S. lllllllap Ilonl! J1:ll!'prClt )C. Dunlap, hi. w;LfIlJ and tn,u
oQ,ld Ka.rsarat x. D~A1Ap di.ad J~ 20, 1966, .urv1vad by her hWlDll.nd, mog.rM1 &.
D~nLAPI Or&n~ her~.
&U",".-nlol --
Ce cI Cumbool.rnl -
R Idl~tlIooffl"""""-"oI_
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aR'ECOIll>ER 0' PEEPS
' . .','. "CIll((I[RU.ltO eOllllTY
I'tIl1i5YLV,l,NIA
~.iI-~~v fEa Ij ~ l&r,ll~,71
(1911) I
'"
MADE THE ;S dQyof
of out Lord on.. thousand nine h"ndr.d !!OVent;:.r,-one
BETWEEN
EUG.EiiE s. UUN1AP, 'Wi~o'Wer and ~:l.ng1e ma.n, ot J;:iopewell TOWMhip.
Cumberl..nd County, :f'enn!lylvQ. nil1, hersind'ter called the
Gtonlar
00'
D~:~~':5 F. XAUKEY and CLeRIA. J. UUKEY, h;1., wife~ 01: KGMeth
Avenue, Sb1pp"'n~~uri Townoh~p, Cumberland Count], ?ennsyl~snia,
h~reir~!~er called the
Granle.s.
wrrNESSETH, that in (onlideration of ONE (~1.00) DOWR _______.._n_..____.._..u_n__u....
__..___.._..____.._______~_..~_____________________________---------~-~~-------lDOI~~;,
in hand poid, the ~"..ipt whe.eaf i~ n.reby t1cW.IlDwl.dl1ed, In.' laid grol'ltor do.,,, hereby gral'll and
cDn....y IQ Ine said glQnlUa , tht>ou he1.:ra and il.J:9l11Da, .
AU. that. certs.in tract. of land dtu.-)te b liO!)el'i'ell To'Wnship, ClIr.lbarla.nd County,
Penx'I'eylva.nta) mOl'e fully bounded and deecr.l.bed as followat
BEG~NrnG pot "-'1 O;Ci3till8 :!lpikc in TownshiP P..oute ,.so, also known ~i9 J\lJ'I\.p.r Road)
a.r:J COl':l.ar of l.11:n~ of ~nOi. )1~ 01pej thence along the a..1.d Q:l.pe lemd llorth 56
de/il:rljes )6 minutes WQ9t 300 feet to an ewting iron p1n; thenee liLloD{: lal".d 0:
th~ Gr~~~or herein) to ~~ COnVoyed to Anna M. aips. North 83 d~brQ9a 44 ~~nu~~a
~eBt 412.64 feet to an iron pin and OthllI' 1ancl of the Grantor herein; thatlca
by land of the Grantor heretn North 0 degrees )7 minutes ~st 296.)5 reot to an
iran pin; the~CO by the sana South 71 degreQ~ ~3 ~nute~ East 145.48 ree~ to &
spike in the tlo.id town.sh;i.p Route 360; thencfJ by the said Township Route 360 the
follcwi.r.g: C01,l,rses: Sou.th 07 degreelJ 19 rninu.tea 'West .3JS9 1'eetj Sou.th 12 dO~l"ee.
0) r:t;.nu.tss West 204.33 fcat; t.1:umee SO\\th OS d~i'ntl:!l 38 minutes 'West ul.30 fe-et
to an c:O.sting ,pik'e, the pla.ce of BmINNING. Cot-l'rAINING 3.972 aCr'O.lI, ::\01."& or
le:ls, lI.ocordlfl8 to IltrvS'y or Will:i.f.sn A~ ~lrind18 AUC<lutell, /ll&do January U-12,
1971.
SU3JECT) HO',&V~, to Q strip ot und l,vil'li to the WO!~ of t~e centerline of add
Townshi.p Route 36Q, being the !1'ont.a.ge of the above C1escrib..,d pr"'IlbGs, reuned
for future ~lden1r~ ot said Tcwn~hip Rou~w
SlIl3JEC1 FrntTliZRl t.o :a. rlgb.t. 0': va::; 3) .het in width, of wb1ch. 16S- feet is fl'CCl'.
the Northern edge ot th~ above rlescribed prem1sea apd tbe other 16} feet !s
adjacent thereto on the North, ~aid right of way Elxist1ng trom the said Township
Rout.\} 360 to a poipt,. 145.48 teet in a. 'riesterly dire.ction. S.ld right ot -".Y
E!;<.ut3 tor the U.!9 of the vrll.l'l.tor, his' heirs and auigrul, the Grantoe!, their
hoirs and as!1,~s.
::.i;;I:JG pArt of a 1argor tann. which W. II. H~er. being ae1zlJd thel'"eot died AugUst
12, 1937. inte~tQtaj' and 'Wllich the he1ra at law or tnQ 6.Ld:W~ H. ~.r:l,
deceased, by their doed dated ~~cb 11, 1939, and recorded in the Office of the
?l!~ordOlor of Deed3 ~n and tor Cumbtlrlartd COl,l,nty. in De.d Book "Y", V(l].1mI8 11.
Page 50.3. cOnVe,yed to El1geno s. Dul11a.$) a:ad !l.ugare.t K. 'D\l.nl.l.p, his )lil,,; and t'ne
~a.id l".:ll'garet K. Du.nl3.p died July 20, 1966, sUX"'Iived Cy her hUSband, :!:ull:ene S.
Dunlap,. Gr'OI.ntor herlOlin.
'0;. , ," .tjJ--,,>::/.-",-~..t~
r".R,., 1/("1''\:.,:., c..(./' -- be r--'
,. ....'r)'.............. I p' t Cum, 0..
Cllm.. Co., P~. SOhoo It' .
j'~ "-) ~et. 11__. T.. J..'o ",.1 w." T...."" T,~ &' r
,.. ;;>',,/f.;r/A.',/,?);.~ "";"f..A" ,.../i':/:. /
~ ~p 1." ...~. ( :::>. .~.vP'"Y
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c.."'O. Co. 'lot. c./. ^vt. t! -::. C."'b. Co, 01,1. c,t ...~.. /)- ~
eOOKZ 23PAGE 47
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a Notary Public in ano for ~a1d County a.nd Sta:t.e,
lhe ,",,~u~i9MtI llW""", personolly oPI,.Qr.d lWG.ENE S. DWl).?... widower I'md :!lnclq: !\'an;
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in In.J'vm.nl, OMd odnow1odq.d 1110\ ha <!'xot(l,It.d .on'te for 'M.. PII(PN',. 'n~r.in c;oMpi~'..c'.
IN WITNESS ~HfREOf, I "''ltteunlo ,-, my htr~d and <>ffich:rl KoI. .. ',t '_..
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W1l~~I\~,~: ~':~~~. NOTMY ~US~IC ': '.
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\Y do hOfeby c.'tl~ thaI !h. prtd,. rfl;O.nC(I ""cl complete pPl~ om'lI- c:rdd(ltu <J1 .,'
rllor within I\o;llUd yronJ-e(l i, 6,.,,,-:n;-~, 8.t""fi.........-t.t-r',.r:;,
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Val. _!:t..J..__..~.. p09* li7
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Kornfield and Bencboff, LLP
Attorneys At Law
17 North Church Street
Waynesboro, PA 17268
Donald L. Kornfield, Esq.
Andrew J. Benchoff, Esq.
Phone: 717-762-8222
Fax: 717-762-6544
don@kornfield.net
Kimberly S. Runshaw
Paralegal
February 24, 2005
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
This is an official notice that the mort!!:ae:e on your home is in default. and the lender intends
to foreclose. Specific information about the nature of the default is provided in the attached
pa!!:es.
The HOMEOWNER'S MORTGAGE ASSIST ANCE PROGRAM (HEMAP) mav be able to
help to save your home. This Notice explains how the "ro!!:ram works.
To see ifHEMAP can help. you must MEET WITH A CONSUMER CREDIT COUNSELING
AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with vou
when vou meet with the Counselin~ A\:encv.
The name. address and "hone number of Consumer Credit Counselin~ A!!:encies servin!!: vour
County are listed at the end of this Notice. If you have any questions, vou mav call the
Pennsylvania Housin!: Finance Aeency toll free at 1-800-342-2397. (Persons with impaired
hearin!!: can call (717) 780-1869.
This Notice contains important legal information. If you have any questions, representatives
at the Consumer Credit Counseling Agency may be able to help explain it. You may also want
to contact an attorney in your area. The local bar association may be able to help you find a
lawyer.
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU
DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO
DE EST A NOTIFICACION OBTENGA UNA TRADUCCION INMEDIT AMENTE LLAMANDO
EXHIBIT
Ie---
ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL
NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PREST AMO POR
EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE
PROGRAM" EL CUAL PUEDE SALVAR SU CAS A DE LA PERDIDA DEL DERECHO A
REDIMIR SU HIPOTECA.
HOMEOWNER'S NAME(S):
PROPERTY ADDRESS:
LOAN ACCT.. NO.:
ORIGINAL LENDER:
CURRENT LENDER/SERVICER:
Dennis F. Yaukey and Gloria J. Yaukey
32 Jumper Road, Shippensburg, Pennsylvania
2752480
Patriot Federal Credit Union
Patriot Federal Credit Union
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAYBE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE
YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE
FUTURE MORTGAGE PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY
MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAYBE ELIGIBLE FOR
EMERGENCY MORTGAGE ASSISTANCE:
IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES
BEYOND YOUR CONTROL,
IF YOU HAVE A REASONABLE PROSPECT OF BEING
ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND
IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS
ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE
AGENCY.
TEMPORARY STAY OF FORECLOSURE--Under the Act, you are entitled to a temporary stay
offoreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time
you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling
agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT
(30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE. YOU
MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED
"HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING YOUR
MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCY--Ifyou meet with one of the consumer credit
counseling agencies listed at the end of this notice, the Lender may NOT take action against you for
thirty (30) days after the date of this meeting. The names. addresses and telephone numbers of
designated consumer credit counselinl;( agencies for the county in which the property is located are
set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise
your Lender immediately of your intentions.
APPLICATION FOR MORTGAGE ASSIST ANCE--Y our mortgage is in default for the reasons
set forth later in this Notice (see following pages for specific information about the nature of your
default.) If you have tried and are unable to resolve this problem with the Lender, you have the right
to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program.
To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program
Application with one ofthe designated consumer credit counseling agencies listed at the end of this
Notice. Only consumer credit counseling agencies have applications for the program and they will
assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your
application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting.
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF
YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER,
FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIA TEL Y AND YOUR
APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED.
AGENCY ACTION--Available funds for emergency mortgage assistance are very limited. They
will be disbursed by the Agency under the eligibility criteria established by the Act. The
Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your
application. During that time, no foreclosure proceedings will be pursued against you if you have met
the time requirements set forth above. You will be notified directly by the Pennsylvania Housing
Finance Agency of its decision on your application.
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN
BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION
PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO
COLLECT THE DEBT.
(If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.)
HOW TO CURE YOUR MORTGAGE DEFAULT (Brine it un to date).
NATURE OF THE DEFAULT--The MORTGAGE debt held by the above Lender on your
property located at: 32 Jumper Road, Shippensburg, Pennsylvania
IS SERIOUSLY IN DEFAULT because:
A. YOU HAVE NOT MADE THE MONTHLY MORTGAGE PAYMENTS for the following
months and the following amounts are now past due:
Months due:
Payments of Principal and Interest:
Escrow charges:
Late charges:
Attorney Fees/costs:
Other charges (explain):
TOTAL AMOUNT PAST DUE:
November, December 2004, January, February 2005
$1,401.15
50.00
$1,451.15
B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use ifnot applicable):
n!a
HOW TO CURE THE DEFAUL T-- You may cure the default within THIRTY (30) DAYS of the
date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER,
WHICH IS $1,451.15, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH
BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Pavments must be made either by
cash, cashier's check, certified check or money order made payable and sent to:
Patriot Federal Credit Union
P.O. Box 778
Chambersburg, PAl 7201
You can cure any other default by taking the following action within THIRTY (30) DAYS of the
date of this letter: (Do not use if not applicable.)
n!a
IF YOU DO NOT CURE THE DEFAULT--Ifyou do not cure the default within THIRTY (30)
DAYS of the date of this Notice, the Lender intends to exercise its rillhts to accelerate the
mortl:alre debt. This means that the entire outstanding balance of this debt will be considered due
immediately and you may lose the chance to pay the mortgage in monthly installments. If full
payment of the total amount past due is not made within THIRTY (30) DAYS, the Lender also
intends to instruct its attorneys to start legal action to foreclose upon your mortllal:ed protlertv.
IF THE MORTGAGE IS FORECLOSED UPON--The mortgaged property will be sold by the
Sheriff to pay offthe mortgage debt. If the Lender refers your case to its attorneys, but you cure the
delinquency before the Lender begins legal proceedings against you, you will still be required to pay
the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal
proceedings are started against you, you will have to pay all reasonable attorney's fees actually
incurred by the Lender even if they exceed $50.00. Any attorney's fees will be added to the amount
you owe the Lender, which may also include otherreasonable costs. Ifvou cure the default within
the THIRTY (30) DAY period. you will not be required to tlav attorney's fees.
OTHER LENDER REMEDIES-- The lender may also sue you personally for the unpaid principal
balance and all other sums due under the mortgage.
RIGHT TO CURE THE DEF AUL T PRIOR TO SHERIFF'S SALE--Ifyou have not cured the
default within the THIRTY (30) DA Y period and foreclosure proceedings have begun, vou still have
the right to cure the default and prevent the sale at any time UP to one hour before the Sheriffs Sale.
You mav do so by paying the total amount then past due. plus any late or other charges then due.
reasonable attornev's fees and costs connected with the foreclosure sale and anv other costs
connected with the Sheriffs Sale as specified in writing by the Lender and bv performing anv other
requirements under the mortgage. Curing your default in the manner set forth in this notice will
restore your mortgage to the same position as if you had never defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DA TE--It is estimated that the earliest date that such
a Sheriff'S Sale of the mortgaged property could be held would be approximately three months
from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you
before the sale, Of course, the amount needed to cure the default will increase the longer you wait.
You may find out at any time exactly what the required payment or action will be by contacting the
Lender.
HOW TO CONTACT THE LENDER:
Name of Lender:
Address:
Phone Number:
Fax Number:
Contact Person:
Patriot Federal Credit Union
P.O. Box 778, Chambersburg, PA 17201
717/263-4444
717/709-4987
Lisa Chapman
EFFECT OF SHERIFF'S SALE-- Y ou should realize that a Sheriffs Sale will end your ownership
of the mortgaged property and your right to occupy it. If you continue to live in the property after the
Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started
by the Lender at any time.
ASSUMPTION OF MORTGAGE--You _ mayor.....L. may not (CHECK ONE) sell or
transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the
outstanding payments, charges and attorney's fees and costs are paid to or at the sale and that the
other requirements of the mortgage as satisfied.
YOU MAY ALSO HAVE THE RIGHT:
TO SELL THE PROPERTY TO OBTAIN MONEY TO PAYOFF THE
MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING
INSTITUTION TO PAY OFF THIS DEBT.
TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON
YOUR BEHALF.
TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IFNO
DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER,
YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEF AUL T MORE THAN
THREE TIMES IN ANY CALENDAR YEAR.)
TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE
PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE
MORTGAGE DOCUMENTS,
TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MA Y HAVE TO
SUCH ACTION BY THE LENDER.
TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY
CUMBERLAND COUNTY
CCCS of Western PA, Inc.
2000 Linglestown Road
Harrisburg, PAl 71 02
888-511-2227
Maranatha
43 Philadelphia Avenue
Waynesboro, P A 17268
717/762-3285
Urban League of Metropolitan Hbg
2107 N. 6th Street
Harrisburg, P A 17101
717/234-5925
Loveship, Inc.
2320 North 5th Street
Harrisburg, PAl 711 0
717/232-2207
Community Action Commission
of Capital Region
1514 Derry Street
Harrisburg, P A 17104
717/232-9757
Adams County Interfaith Housing Authority
40 E High Street
Gettysburg, P A 17325
717/334-1518
PHFA
2101 North Front Street
Harrisburg, P A 1711 0
800-342-2397
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED
THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO
COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
KORNFIELD AND BENCHOFF, LLP
Donald L. Kornfield
DLKiksr
cc: Patriot Federal Credit Union
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 mailpiece,
or on the front if space permits.
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2. Article Number
(Transfer from service label)
PS Form 3811 , August 2001
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D. Is delivery addressdl erentf om item 11
if YES, enter delivery address below:
3. BaNjc e
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4. Restricted Delivel)'? (Extra Fee) 0 Yes
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POSTAL SERVICE CERTIFICATE OF MAILING
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COMPLETE THIS SECTION ON DELIVERY
. Complete Items 1, 2, and 3. Also complete
item 4 if Restricted Delivery is desired.
. Print your name and address on the reverse
so that we can return the card to you.
. Attach this card to the back of the mailpiece,
or on the front if space permits.
1. Article Addressed to:
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A. Signature
D. Is delivery address different from item 1?
if YES, enter delivery address below:
o Agent
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DNo
B.
3. Sarv! pe
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o Registered
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4. Restricted Delivery? (Extra Fee)
o Ves
2. Article Number
(Transfer from seNiee Jabel)
PS Form 3811, August 2001
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u.s. POSTAL SERVICE CERTIFICATE OF MAILING
MAYBE USED FOR DOMESTIC AND INTERNATIONAL MAIL, DOES NO!..
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Received From:
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SHERIFF'S RETURN - REGULAR
CASE NO: 2005-01902 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
PATRIOT FEDERAL CREDIT UNION
VS
YAUKEY DENNIS F ET AL
CPL. MICHAEL BARRICK
Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE
was served upon
YAUKEY GLORIA J
t
DEFENDANT
, at 1914:00 HOURS, on the 14th day of April
at 32 JUMPER ROAD
2005
SHIPPENSBURG, PA 17257
by handing to
GLORIA YAUKEY
a true and attested copy of COMPLAINT - MORT FORE
together ith
and at the same time directing His attention to the contents the eof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So Answers:
6.00
.00
.00
10.00
.00
16.00
~,.:;~:::::
"~""~~
R. Thomas Kline
04/15/2005
KORNFIELD &
Sworn and Subscribed to before
me this 2= day of ~
d~C') A.D.
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U Proth&;";;ta:ry tf ~
By: _.
~.
SHERIFF'S RETURN - REGULAR
CASE NO: 2005-01902 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
PATRIOT FEDERAL CREDIT UNION
VS
YAUKEY DENNIS F ET AL
CPL. MICHAEL BARRICK
Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE
YAUKEY DENNIS F
was served upon
t e
DEFENDANT
at 1914:00 HOURS, on the 14th day of A ril
2005
at 32 JUMPER ROAD
SHIPPENSBURG, PA 17257
DENNIS F YAUKEY
by handing to
a true and attested copy of COMPLAINT - MORT FORE
together ith
and at the same time directing His attention to the contents th reof.
Sheriff's Costs:
Docketing
Service
Postage
Surcharge
18.00
13.32
.37
10.00
.00
41.69
Sworn and Subscribed to before
me this do
day of ~
eJoo..fi- A.D.
4. j. ~ 'JJ1~'^AJ)- ~-
l/ p:othonotarJV ~/-'V
So Answers:
t;-'>>:~;;:;~~:t< ~
R. Thomas Kline
04/15/2005
KORNFIELD & BENCHOFF
By: ,~~
Deputy She iff
PATRIOT FEDERAL CREDIT UNION :
Plaintiff
vs.
DENNIS F. YAUKEY and
GLORIA J. YAUKEY
Defendants
TO THE PROTHONOTARY:
IN THE COURT OF COMMON PLEAS OF
THE 9TH JUDICIAL DISTRICT, PA.
CUMBERLAND COUNTY BRANCH
CIVIL ACTION - LAW
#05-1902 Civil Term
PRAECIPE
Kindly mark the complaint filed in the above-captioned matter withdrawn.
Date: May 10,2005
KO
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