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Home My WebLink About05-2286 UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@udren.com Mortgage Electronic Registration Systems, Inc. 1270 Northland Drive Suite 200 Mendota Heights, MN 55120 Plaintiff ATTORNEY FOR PLAI IFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County v. Steve L. Nenninger Susan E. Nenninger 1827 Ritner Highway Shippensburg, PA 17257 Defendant(s) NO. 0 S; - ;;1;(J>b C.t~Ll 8<..~ COMPLAINT IN MORTGAGE FORECLOSURE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take ac ion within twenty (20) days after this Complaint and Notice are se ed, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections t the claims set forth against you. You are warned that if you fai to do so the case may proceed without you and a judgment ma be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or re ief requested by the Plaintiff. You may lose money or propert 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. HIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABL TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER L GAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYERS REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 AVISO Le han demandado a usted en la corte. Si usted quiere defe derse de est as demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demand y la notificacion. Hace falta ascentar una comparencia escrita 0 en persona 0 con un abogado y entregar a la corte en forma escri a sus defensas 0 sus objeciones alas demandas en contra de su per ona. Sea avisado que si usted no se dafiende, la corte tomara medi as y puede continuar la demanda en contra suya sin previo av so 0 notificacion. Ademas, la corte puede decidir a favo del demandante y requiere que usted cumpla con todas las provision s de esta demanda. Usted puede perder dinero 0 sus propiedades u tros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE, SI NO TIENE AB GADO o SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VA A EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCIO SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONnE SE PUEDE CONS GUIR ASISTENCIA LEGAL. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 Mortgage Electronic Registration Systems, Inc. 1270 Northland Drive, Suite 200 Mendota Heights, MN 55120 Plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County v. Steve L. Nenninger Susan E. Nenninger 1827 Ritner Highway Shippensburg, PA 17257 Defendant(s) NO. 05-2286 civil Term AMENDED AFFIDAVIT OF SERVICE PURSUANT TO Pa.R.C.P.RULE 3129.1 Plaintiff, by its/his/her Attorney, Mark J. Udren, Esquire, hereby verifies that: 1. A copy of the Notice of Sheriff's Sale, a true and correct copy of which is attached hereto as Exhibit "A", was sent to every recorded lienholder and every other interested party known as of the date of the filing of the Praecipe for the Writ of Execution, on the date(s) appearing on the attached Certificates of Mailing. 2. A Notice of Sheriff's Sale was sent to Defendant(s) by regular mail and certified mail on the date appearing on the attached Return Receipt, which was signed for by Defendant(s) on the date specified on the said Return Receipt. Copies of the said Notice and Return Receipt are attached hereto as Exhibit "B". 3. If a Return Receipt is not attached hereto, then service was by personal service on the date specified on the attached Return of Service, attached hereto as Exhibit "B". 4. If service was by Order of Court, then proof of compliance with said Order is attached hereto as Exhibit "B". All Notices were served within the time limits set forth by Pa Rule C.P. 3129. This Affidavit is made subject to relating to unsworn falsification I Pa.C.S. Section 4904 Dated: November 18, 2005 ICES, P.C. BY: Mark J. Udren, Esqulre Attorney for Plaintiff UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER III WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Mortgage Electronic Registration Systems, Inc. 1270 Northland Drive, Suite 200 Mendota Heights, MN 55120 Plaintiff COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE v. Steve L. Nenninger Susan E. Nenninger 1827 Ritner Highway Shippensburg, PA 17257 Defendant(s) NO. 05-2286 Civil Term AMENDED AFFIDAVIT PURSUANT TO RULE 3129.1 Mortgage Electronic Registration Systems, Inc., Plaintiff in the above action, by its attorney, Mark J. Udren, ESQ., sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at: 1827 Ritner Highway, Shippensburg, (North Newton Township) PA 17257 1. Name and address of Owner(s) or reputed Owner(s) Name Address Steve L. Nenninger 8 East Main Street, Plainfield, PA 17081 Susan E. Nenninger 8 East Main Street, Plainfield, PA 17081 2. Name and address of Defendant(s) in the judgment: Name Address SAME AS #1 ABOVE 3. Name a record Name and address of every judgment creditor lien on the real property to be sold: Address whose judgment is none 4. Name and address of the last recorded holder of every mortgage of record: Name Address Plaintiff herein. See Caption above. Orrstown Bank Stonehedge Office 427 Stonehedge Drive Carlisle, PA 17013 Manufacturers & Traders Trust Company One M&T Plaza, Buffalo, NY 14240 5. Name and address of every other person who has any record lien on the property: Name Address none 6. Name and interest in the sale: Name address of every other person who has any record the property and whose interest may be affected by Address Real Estate Tax Department 1 Courthouse Square Carlisle, PA 17103 Domestic Relations Section 13 North Hanover Street Carlisle, PA 17013 PA Department of Revenue Bureau of Compliance P.O.Box 281230 Harrisburg, PA 17128-1230 7. Name and address of every other has knowledge who has any interest affected by the sale: Name person of whom the plaintiff in the property which may be Address Tenants/Occupants 1827 Ritner Highway, Shippensburg (North Newton Township) PA 17257 Richard Kich, Esquire 28 South pitt Street Carlisle, PA 17013 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false tatements herein are made subject to the penalties of 18 Pa. .S. sec. 4904 relating to unsworn falsification to authoriti s. ;Is FFI S , P. C . DATED: November 18, 2005 . 'I. M k J. Udren, Esquire Attorney for Plaintiff UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Mortgage Electronic Registration Systems, Inc. 1270 Northland Drive, Suite 200 Mendota Heights, MN 55120 Plaintiff COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County . NO. 05-2286 Civil Term v. Steve L. Nenninger Susan E. Nenninger 1827 Ritner Highway Shippensburg, PA 17257 Defendant(s) DATE: October 5, 2005 TO: ALL PARTIES IN INTEREST AND CLAIMANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY OWNER(S): STEVE L. NENNINGER & SUSAN E. NENNINGER PROPERTY: 1827 Ritner Highway, Shippensburg, (North Newton Township) PA 17257 Improvements: RESIDENTIAL DWELLING The above captioned property is scheduled to be sold at the Cumberland County Sheriff's Sale on December 7, 2005, at 10:00 am, in the COMMISSIONERS HEARING ROOM, 2~ FLOOR, COUP,THOUSE, CARLISLE, PA. Our records indicate that you may hold a mortgage or judgment on the property which will be extinguished by the sale. You may wish to attend the sale to protect your interests. A Schedule of Distribution will be filed by the Sheriff on a date specif ied by the Sheriff not later that 30 days after sale. Distribution will be made in accordance with the schedule unless exceptions are filed thereto within 10 days after the filing of the schedule. EXHIBIT A ~ ~...~ -oBV) ~o:S ~~o :o=:~~ ~ ~'o. '" 0 .cOO 0- " E,~c:; Sgg ~~-o .- (l)"O ~ U m " Q) 0. "C '0 0. 'a Ell '5 { - ~ S .- i 0- "" I- ~ ~ "& "5- ~ :g 10 " ::0 % u. :s ffi 'i. ~ .. -o(1l~ ~~'& Q)-ow E-g_ ~-- 0 ... ~ ~ ,.. ~ -@ u.- ... ~ '" E o u.- rJl C>. Mortgage Electronic Registration Systems, Inc. VS Steve 1. Nenninger and Susan E. Nenninger The Court of Common Pleas of Cumberland County, Pennsylvania Writ No. 2005-2286 Civil Term Robert Bitner, Deputy Sheriff, who being duly sworn according to law, states that on September 21, 2005 at 8 :34 0' clock PM, he served a true copy of the within Real Estate Writ, Notice of Sheriff's Sale and Description, in the above entitled action, upon the within named defendants, to wit: Steve 1. Nenninger and Susan E. Nenninger, by making known unto Steve Nenninger and Susan Nenninger, personally, at 8 East Main Street, Plainfield, Cumberland County, Pennsylvania, its contents and at the same time handing to them personally the said true and correct copies ofthe same. Robert Bitner, Deputy Sheriff, who being duly sworn according to law, states that on October 13,2005 at 4:09 o'clock P.M., he posted a true copy of the within Real Estate Writ, Notice, Poster and Description, in the above entitled action, upon the property of Steve 1. Nenninger and Susan E. Nenninger located at 1827 Ritner Highway, Shippensburg, Pennsylvania, according to law. R. Thomas Kline, Sheriff, who being duly sworn according to law, states he served the above Real Estate Writ, Notice, Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action to the within named defendants, to wit: Steve 1. Nenninger and Susan E. Nenninger, by regular mail to their last known address of 8 East Main Street, Plainfield, P A 17081. These letters were mailed under the date of October 06, 2005 and never returned to the Sheriffs Office. Swom and subscribed to beforc me This _ day of So .IA.ns\vers . /(/./<' -d. 4' ~ . R. Thomas Kline, Sheriff B Y , Lnt"1 ~~.v1-dC,- Real Estate ~~f€.eant 2005, A.D. Prothonotary .. EXHIBIT B UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER III WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Mortgage Electronic Registration Systems, Inc. COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County plaintiff v. Steve L. Nenninger Susan E. Nenninger NO. 05-2286 Civil Term -n ....,., c Defendant(s) C:,J CERTIFICATE OF SERVICE I, Mark J. Udren, Esquire, hereby certify that I have served true and correct copies of Notice of Sale upon the following person (s) named herein at their last known address or their attorney of record. Regular First Class Mail Certified Mail Other (certificate of mai~ing) Date Served: October 6, 2005 == == TO: Steve L. & Susan E. Nenninger c/o Richard Koch, Esquire 28 South Pitt Street Carlisle, PA 17013 un_ LAW r\'fF' 'C By: \ / f I Mark J. OOren,\Esquire Attorney for Plaintiff EXHIBIT B UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Mortgage Electronic Registration Systems, Inc. COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County Plaintiff v. Steve L. Nenninger Susan E. Nenninger NO. 05-2286 Civil Term Defendant(s) CERTIFICATE OF SERVICE I, Mark J. Udren, Esquire, hereby certify that I have served true and correct copies of Notice of Sale upon the following person(s) named herein at their last known a.ddress or their attorney of record. Regular First Class Mail Certified Mail Other (certificate of mailing) Date Served: October 6, 2005 == xxxxxx TO: Steve L. & Susan E. Nenninger c/o Richard Koch, Esquire 28 South Pitt Street Carlisle, PA 17013 UDREN ~w (t By: I Mark J. Attorney EXHIB!T B l:/e.rIn/ C(..{lPfm /) OWO(f) SlJoo~rt Ii 0 (D f-'(f) <: 1-'. 0 ~ (D m>=ol-'- f-'rtot:"' (D ::r::r. - RJ 'DliR' ' ;t>rt (f) rt~>= f--' om ..,J(f)OllJ art ::r::l f--' Ii- W (D t>J (D 1:<:1. rt.m .0'2: c: (D ~ g rD 1-'- ::l LQ rD Ii m;,"~_._ >-J o ~ o Oc o~OO ---'('):0 ~ --.:I). m.<:mm ::D<Ol/)Z ~86~ ::1:00<: ;=0:00 r-:D-".." - mO Zl/) :!! c--j:OO .O:O~m ""'omSI' 8>D" (0) 0 ~>p ;;;.j. m- :::0 5 >-l H Q t:rj rI.l \Il t:rj >:rj tJ:l tr.I i>' l:"' t:rj !>i c' c: .-.,.....~".;;;:.~W'lil>l:.,ri'*\;;- ""'~n"'~~P'.'- :3"'::T rulru rulru M,r"I :3".:3" ..!I!...c trllT' rulru ru~ru 0'0 0'0 0'0 CliO r]""",lT'" m'm 0'0 i U']U'] 00 CliO f'-f'- U.s. Posta! Service" CERTIFIED MAIL" RECEIPT (Domestic Mail Only; No Insurance Coverage ProVided) OFFICIAL USE _e' CertIfIed Fee - He", Retum Receipt Fee {Endorsement Requtred) hestrlcted Delivery Fee (Endol'BBment Requtred) Total P_ &.... $ t 0 Steve L. & Susan E. Ne~nger ~=r~ c/o Richard K~ch, Esquire orPDt 28 South Pitt Street ~si Carlisle, PA 1.701.3 PS Form 3800 June 2007 See Reverse lor Instructions EXHIBIT B ~ /fit (1km /) "U '" :-,. . . . (J) ." ~.~ !; Q ~g ~';=?? 0 3 ()IVOtr.l 1i" g ~S:a 3 3: . .. .. Co> it" Jlloo........rt ~ _::ra'< .J:>.l2. " 0 ro 5:f':E g =$.: Ql ~~ ",<D < 0. ~ 1-'-0::0 ro _. (f)....:IJ CD. ~ 3 0 m t:.: 1-" 0 E'~o~(b;:;: ~ . . ~('tnt"' . ;:I'~Jl)Jl)!!lCD .." . (Ilt:l"P" . -o.':J 3 ::!.3 CD ~. ~ 0. ~. .... (II SCIl C" 'U"'" f! f/loag~~': 2 0 tt;tf-'-Q. g "0_ J:: D.t\)' ~ ,,'"' <D ~::r3 0- 0 ,","," m'CD _Ill ~l>> , '" ~ ,",om C-:To. -':J 0 ...j{l)n,tl.1 ~C)11lQ-~Q. 0 orr::t::l 3 ~ ~ m-<~;. ... '"'" - wro '" s:aa.~ lir ~': ro ",. ,",ID . S:o=-g.~' .oz Ctl '< :::r~. C'l -v " ro 30(1);0 CJ ~g ~_ F CiI P--5' " CJ ro ~. '2: C6 CD 0 0 3 U'1 <D CD ih - 0 ro $ (D (II ~ CJ K o. :D W 0 .Jl EO CJ 3 1- DO;; P ~( >< "'.. :D 0 CJ ~ " " :D '" ~ CJ -<Q. 0 iiS -a CJ s: 5::0 .s. .m ~ 0 , CIl c2 B 0 a. ru Jl ~J!~ g ~ ii o. 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" E.1-I-\\B\\ e " ,f~ Q5 m o eo wil': 0; ~~ mU. -,,-,- ~ - ~~~ "'0 '0:0 .~ en u... ~~-:"'.!!l.......'~ -~oE .~ ' ._ Cl_ (S c:: $ ~~O <uliu.- m'(5 lfl 'r:i CD E -a. ~ ;::::_ 0 ~-- 0..0 Q ::::.!8 EW- <::1 Cl mtti '@ ~ mo ~~~ g~~ ._ -e::"O ""::::5- ~ 0~ Q: 0 ~~ .2 e ~ ca _ c: c:> -5 g~- ~ s:E ~~ ~~.ss ;"g .~.__ <.Il . cr: g-~~ g 1:3= ... 0':::..:(-- 8:"1ffi CL ;5 CtlQ5J::..c ~'tii~:O::: ~Q) liS 'a~ ~ = ~ ""OO"g ~ utI: Q3-C rO .E cD " B- "0_ ~ ~'(ij o;<ll 0) o:E. w u w c:'CQ)CI) .2 ffi~ ~ Q).c-'):( O:'2'sW O~OO '0 " 215 -g '~:SCl:e Q) (/)0 Q) O~OO Cl: W '" I- co Z co W :g U >- .w W ~I- '" "-<00: .a:<w "'00'" 'tln.a::;: _Cl:I-W u.o(JlZ U.Uw 01-a:...J :;:"'u== <WO: ....a:o>- zUoo: wO:;='!l: ~g.....UJ 0>_: ::l~"I"""() . ~(J)(P ",,,,,, '" " " - " E:g (f) ~<(o " " u. " co '" 10 o "- w w " ;; ~ " .2 is w "uS "'- ",...l r'" 0'" _0 ",f- olli -0; Of- t!:m "'f- <elf- z- -"- z_ z- wI- z::> o uim ZOO ","" C/lw ::>If C/l::> ",0 ,C/l", ...lW_ "' -0 >,::r- wo- f-O'" m:<"- ;; o "- '0 C '" 1D E! 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",,,.,,,,~-..,,"'--''''''' ,_..-.--_,___,"""'0'"",," " " J:l. ~ " '0 c.. .. !Xl ~ o :s. .E <i! . s ~ '" '" ,0 " .~ if "0 " E ~ W "" " ;; '" eo ;; o "" ~ C') ~ . " ~ u (J;=: .925 0._ - . 00 \ ~"" ~rn - ... eo" '" ~ " '" z .:::. -" >- s~ ~"' t;; " . .5 <1l " u. ill "- I- _w I- 0" co ~ = '" ~~ - \ .ow E E> 0 ~.o b =" u. ... ~~ (f) - f--' Q.. , EXHIBIT B ~ --\ ~,.,..- --C -n r;1--. 1',";' c.::;' -;.) .< c'.; NOTICE The amount of your debt is as stated in tbe attached document. The name of the editor to whom the debt is owed is as named in the attached document. Unless you notify u within 30 days after receipt of this Notice and the attached document that the validity of th stated debt, or any portion of it, is disputed, we will assume that the debt is valid. If you d notify us in writing of a dispute within the 30 day perio~ we will obtain verification of the ebt or a copy of a judgment against you, and mail it to you. If you do not dispute the debt, i is not an admission of liability on your part. Also, upon your written request within the 0 day period, we will provide you with the name and address ofthe original creditor if ditTere from the current creditor. If you notify us in writing within the 30 day period as stated above, we will cease coli ction of your debt, or any disputed portion of it, until we obtain the information that is re uired and mail it to you. Once we have mailed to you the required information, we wil then continue the collection of your debt. This law firm is deemed to be a debt collector and this Notice and the attached docu an attempt to collect a debt, and any information obtained will be used for that purpo UDREN LAW OFFICES, P.C. Isl Mark J. Udren, Esquire Woodcrest Corporate Center 111 Woodcrest Road, Suite 200 Cherry Hill, NJ 08003.3620 (856) 669-5400 1. Plaintiff is the Corporation designated as such i the on a preceding page. If Plaintiff is an assignee t en it by virtue of the following recorded assignments: caption is such Assignor: Conseco Bank, Inc. Assignments of Record to: Conseco Finance Consumer Discount Co pany Recording Date: LODGED FOR RECORDING Assignor: Conseco Finance Consumer Discount Company Assignee: Mortgage Electronic Registration Systems, Inc. Recording Date: LODGED FOR RECORDING 2. Defendant(s) is the individual designated as such 0 the caption on a preceding page, whose last known address is a set forth in the caption, and unless designated otherwise, is the real owner(s) and mortgagor(s) of the premises being foreclosed. 3. On or about the date appearing on the Mort age hereinafter described, at the instance and request of Defendant (s) , Plaintiff (or its predecessor, hereinafter called Plaintiff) I aned to the Defendant (s) the sum appearing on said Mortgage, ich Mortgage was executed and delivered to Plaintiff as security for the indebtedness. Said Mortgage is incorporated herei by reference in accordance with Pa.R.C.P. 1019 (g) The information regarding the Mortgage being foreclosed i as follows: MORTGAGED PREMISES: 1827 Ritner Highway MUNICIPALITY/TOWNSHIP/BOROUGH: North Newton Township COUNTY: Cumberland DATE EXECUTED: 02/23/02 DATE RECORDED: 02/27/02 BOOK: 1750 PAGE: 2316 The legal description of the mortgaged premises is attached he eto and made part hereof. 4. Said Mortgage is in default because the required payme ts have not been made as set forth below, and by its terms, breach and failure to cure said breach after notice, all secured by said Mortgage, together with other charges authorize said Mortgage itemized below, shall be immediately due. 5. After demand, the Defendant (s) continues to fail or on refuses to comply with the terms of the Mortgage as follows: (a) by failing or refusing to pay the installment of principal and interest when due in the amounts indi ated below; (b) by failing or refusing to pay other charges, if any, indicated below. 6. The following amounts are due on the said Mortgage 4/19/05: Principal of debt due Unpaid Interest at 13.95% from 12/3/04 to 4/19/05 (the per diem interest accruing on this debt is $20.72 and that sum should be added each day after 4/19/05) Title Report Court Costs (anticipated, excluding Sheriff's Sale costs) Late Charges (monthly late charge of $20.00 should be added in accordance with the terms of the note each month after 4/19/05) Uncollected Late Charges Suspense Balance Extension Interest Due Attorneys Fees (anticipated and actual to 5% of principal) TOTAL $54,2 3.36 4,73 .58 32 .00 28 .00 8 .00 8 .00 (60 00) 1,87 .71 2 71 .17 $64,22 .82 7. The attorney's fee set forth above are in conformit the mortgage documents and Pennsylvania law, and will be colle in the event of a third party purchaser at Sheriff's Sale. mortgage is reinstated prior to the sale, reasonable attorn fees will be charged in accordance with the reduction provision of Act 6, if applicable. 8. The combined notice specified by the pennsylv ia Homeowner's Emergency Mortgage Assistance Program, Act 91 of and Notice of Intention to Foreclose under Act 6 of 1974 has sent to each defendant, via certified and regular mail, in accordance with the requirements of those acts, on the date appearing on the copy attached hereto as Exhibit "A", and made part hereof, and defendant(s) have failed to proceed within the time limits, or have been determined ineligible, or Plaintiff ha not been notified in a timely manner of Defendant(s) eligibility. WHEREFORE, the Plaintiff demands judgment, in rem, ag inst the Defendant(s) herein in the sum of $64,229.82 plus inte est, costs and attorneys fees as more fully set forth in the Compla'nt, and for foreclosure and sale of the Mortgaged premises. " .~ ." '1' " If ; 'I / Mark J. Udre , ~SQ UDREN LAW OFFICES, P.C. Attorney for Plaintiff Attorney I.D. No. 04302 ALL that certain lot Of ground with buildings erected thereon, situate in North Newton Township, Cumberlnnd County, Pennsylvania, bounded and described ". follows: BEGINNING at a peint at the center ef the Ritn.r Highway (U.S. Route No, III corner of land formerly of Louise L. Thomas. now or formerly of 01ad1' Sourheer) thence now or formerly along the land of the seid Glady. Sourbeer. North 45 degrees West, a distance of Z83 feet to a point marked by an iron pin; thence along lands formerly of Grissinger, now or formerly of Kos.r, Soutb 4Z 1/4 degrees West, a distance of 101 feet to a point marked by en iron pin; thence bY lende tarmerly of Floyd, now or formerly of Koser, Sou~h 27 4e~rees Z49.5 feet to . point In' the center of tbe aforesaid Ritner Highway; thence along the center of the seid Ritner Highway, NOrth 57 degrees 40 minute. B.st, a dist.nce or 185 feet to a polnt. tbe place of BEGINNING. CONTAINING 0.82 acres, mOre or less. APR-21-0S IS'21 FROM-HSBe Martr." S,,,, '" +8135718581 T-m POO'; HSS 03/07/05 STEVE L NENNrNGER SUSAN E NENNINGER 1 &27 RITNER HWY SHIPPENSBURG PA 17257 COMBINED ACT 91/ ACT 6 NOTICE TAKE ACTION TO SA VE YOUR HOME FROM FORECLOSURE This is an official Dotice th'lt the mortgage on your home is in default, and the lender intends to forec:lose. SpeclJic iinformation about the nlltllre oftbe default is provided in the attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (REMAP) may be able to help save your home. This Notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WlTHlN 30 DAYS OF TIlE DATE OF THlS NOTICE. Take this Notice with you when you meet with the COWlseling Agency. The name, address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end oflhis Notice. If you have any questions, you may call1he Pennsylvwua Housing Finance Agency toll free at (800) 342-2397. Persons with impaired hearing may call (717) 780-] 869. 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. Yau may a.lso want 10 contact an attorney in your area. The local bar association may be able to help you find an attorney. LA NOTlPICACION EN ADJUNTD ES DE SUMA. IMPORTANCIA. PUES AFECTA 81 DERECHO A CONTINUAR VIVIENnO EN 8U CASA. SINO COMPRENDE EL CONTE 0 DE ESTA NOTlFICACION OBTENGA UNA TRADUCC]ON IMMEDIATAML"NTE AL Ll.AMAR A ESTA AGENC]A CPENNSYI.. VANIA HOUSrNG FINANCE AGENCY) SlN CARGOS At NUMERO ~,ffiNCIONADO ARRIBA. USTED PUEDE SER ELEGIDLE PARA UN PRESTAMO POR EL PROGRAMA. LLAMADO "HOMEOWNER'S EMERGENCY MORTG GE ASSISTANCE PROGRAM" EL CUAL PUEDE SAL v AR SU CASA DE LA PEROIDA DE DERECHO A REDIMIR SU HIPOTECA. EXHIBIT A. m-I/-05 15:11 FROM-HSBC Morti'i. S.r"c., +813571B881 T-651 PODS HOMEOWNER'S NAME(S): STEVE L NENNINGER. SUSAN E NENNINGER PROPERTY ADDRESS, 1827 RITNERHWY SHIPPENSBURG PA 17257 ACCOUNT NUMBER: 0006270169 CURRENT LE1'I'DERlSERVICER, HSBC Mortgage Services HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE POR FINANCIAL ASSISTANCE WHICH CAN SA VB YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITI-I THE PROVISIONS OF TI-IE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE 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 YOl.:R MORTGAGE PAYMENTS, AND . IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PEN:'<SYL VANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act. you are entitled to a temporary stay of foreclosure on your mortgage for thin)' (30) days from the date of this Notice. During that time you must arrange and anend a face-to-face meeting With one o[the conswner credit counseling agencies listed at the end of tlus 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. TIrE PART OF TI-ITS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you 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 counseling allendes for the county in which the proper!V is located are set forth at the end of this N olice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediatelv of your intentions. F-Ise APR-II-05 15:11 FRDM-HSBC Morti..' S,rvlce, 18135718681 T-661 P 006 APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in defatdt for the reasons set forth Inter in this Notice (see fOllo'Wing pages for specific information abotlt 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 Homeowners Emer~enc;y Mortgage Assistance Program. To do so, you must fill out, sign and file II completed Homeowner's Emergency Assistance Program Application with one of the designaxed consumer credit counseling agencies listed at the end of this Notice. Only consumer credit cotUlseling agencies have the applications for "the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finnnce Agel(CY. 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 FAll. TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAlNST YOUR HOME I1vfMEDIATEL Y AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION - Available funds for emergency mortgage assistance arc 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 TI-lE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMAT[ON PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT nIE DEBT. (If au have filed bankru tc: HOW TO CURE YOUR MORTGAGE DEFAULT (bring it up to date) NATURE OF nIE DEFAULT - The MORTGAGE debt held by the above lender on your property located at 1827 RITNER rIWY SHlPPEl'SBURG PA 17257 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY PAYMENTS. You are due and owing approximately $657.82 a month. You are past due since 01/03/0S. Other fees may have also accrued on your account. TOTAL AMOUNT PAST DUE:$ 2093.46 HOW TO CURE THE DEFAULT You may cure this default 'Within THIRTY (30) DAYS -IS8 ,APR-Z1-OS IS:2Z FROM-HSBC Mer 1"18 Sor,,,,, +allS/IBSSI "-..1 P OOT/OS3 P-1S8 of the date of this NOtice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER. WHICH IS $ 2093.46, PLUS ANY MORTGAGE PAYMENTS AND l.ATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Pa ments must be made either b cash cashier's chec certified check or man order made payable and sent to; HSBC Mortgage Services P. O. Box 17580 Baltimore, MD 21297 IF yOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its ri hts to accelerate the mortl!Rl!e debt. This means that the entire outstanding balance of this debt ",111 be considered due immediately and you may lose the chance to pay the mongage in monthly installments. If full payment of the total amount past due is not IIlllde within THIRTY (30) DAYS, the lender also intends to instruct its anomeys to start legal action to foreclose u on vour momae:ed nroDem. IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Slleriff to payoff the 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 anoTllllY's fees that were actually inc:urred, up to $50.00. However. if legal proceedings are started against you, you will have to pay all reasonable attorney's fees acruaJly 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 illdude other reasonable costs. Ifvou cure the default within the TmRTY (30) DAY neriod. vou will not be reQuired to nay attorney's fees. OlliER LENDER REMEDIES - The lender may also sue you personally for the llnpaid principal balance and all athet sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -If you have nm cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, vou still have tile right to cure the default and nrevent the ~ale at anv time un to one hour before the Sheriff's Sale. You may do so bv navin\! the total amount then nas! due, nl us any late or other char~e5 then due. reasonable attornev's fees and COSts connected with the foreclosure sale and any other COSts connected with the Sheriffs Sale as snecified in writing bv the lender and bv nerforming :mv other reauirements under the mortgage. Curin~ your default in the manner set forth in this notice will re~tore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be l1eld would be approximately five months from the date of this Notice. A notice of the actual dare of the Sheriff's Sale will he sent to you before the sale_ Of course, the amount needed to cure the default will increase the . APR-2H5 15:22 FRO~-HSBC ~ortlals Ss,v,css +8\ 1511 B5B1 i-662 POOl/OS3 F-2SI longer you wail. You may find Ollt at any time exactly what the required payment or action will be by contaCting the lender. HOW TO CONTACT THE LENDER: Name of lender: HSBC Mongage Services Address: 636 Grand Regency Blvd., Brandon, FL 33510 Phone Number: 800-365-6730 Fax Number: 813-571-8680 Comact Information: Loss Mitigation Department EFFECT OF SHERIFF'S SALE - You should realize that a Sheriff's Sale will end your ownership of the mortgaged. property and your right to occupy it If you continue to [lve in the property after the Sheriff's 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 Dot sell or transfer your home to a buyer or transferee who. will assume the mortgage debt, provided that all the outstanding payments, charges and anomey's fees and COSts are paid prior to or at the sale Il1ld that the other requi,ements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF TIDS DEBT. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT 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 MAY HAVE TO SUCH ACTION BY THE LENDER. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. . APR-Z2-05 15: 23 FRDM-HSBC Morti'i. S.rv;c., +B 135m68 1 i-662 P.DID/05l '-258 Validation of Debt Notice Pursuant to the Fair Debt Collection Practice Act (FDCPAJ(15 USC 1692), a con umer debtor is required to be sent the following notice: (1) unless the consumer, within thirty (30) days after receipt of tin is notice, disputes the validity of the debt or any p rtion thereof, the debt will be assumed to be valid by the debt collector; (2) if the con umer notifies the debt collector in writing within the thirty (30) day period that the debt r any portion thereof is disputed, the debt collector will obtain verification of the deb or a copy of a Judgment against the consumer and copy of such verification or Jud ment will be mailed to the con~~umer by the debt collector; and (3) upon the consu er's written request within the thirty (30) day period, the debt collector will provid the consumer with the name and address of the original creditor, if different fro the current creditor. Our demand for immed.iate payment does not eliminate your right to dispu this debt within thirty (3D) daYl, of receipt of this notice. If you choose to do so, e are required by law to cease our collection efforts until we have mailed the dis uted Information to you. Although we have requested that you make payment or provide a valid reas n for nonpayment, you still have the right to make a written request, within thirty (301 d ys of your receipt of this notice, for more information about the debt. Your righ are described further, hereinafter. THIS NOTICE AND LETTER ARE AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. The Federal rade Commission has ruled that the FDCPA does not preclude the institution of legal ction prior to the expiration of the thirty (30) day period. Acceptance of funds and reinstatement of the mortgage are both subj ct to verification by HSBC Mortgage Services. Please note that HSBC Mortgage Se ices may proceed with foreclosure and that fees, costs and/or advances by the mo agee may be due in addition to the sum quoted above. Please note further that any funds tendered will be subject to verificatio and correctness before the matter is concluded. Please feel free to contact HSBC Mo gage Services upon receipt of this notice should you have any questions or concerns, Date: 03/07/05 HSBC Mortgage Services 636 Grand Regency Blvd. Brandon, FL 33510 (BOO) 365-6730 www.hsbcmortgageservices.com . APi-II-OS 15:12 FROM-HS6C Merti'i. S.r,r,., +815sm681 T-661 P 009/053 F-IS! FOR CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY, PLEASE SEE THE ATTACHED LIST. NOTE: Unless you notify this office within thirty (30) days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office wiu ll.~sume that the debt is valid. If you notify this office in writing within thirty (30) days from receiving this notief:, this llflief: will: obtain verification of the debt or obtain a copy of judgment and mail you a copy of such judgment or verification. You are also advised that any information which you supply to this office may be used by us in thf: collection of the debt. If you request this office in writing within thirty (30) days lifter receiving this notice, this office will provide you with the name and address of the original creditoT. Although we have reque!lted that you make payment or provide a valid reason for nonpayment, you still haYf: the right to make a written request, within thirty days of your receipt of this notice, for more information about tbe debt. Your rights are described further, hereinafter. THE PURPOSE OF THIS COMMUNICATION IS TO COLLECT A DEBT AND ANY I~ORMATION OBTAINED WILL BE USED FOR THIS PURPOSE. Enclosure: Validation ofDcbt Notice 6.09 V E R I F I CAT ION Mark J. Udren, Esquire, hereby states that he is the attorney for the Plaintiff, a corporation unless designated otherwise; that he is authorized to take this Verification and does so because of the exigencies regarding this matter, and because Plaintiff must verify much of the information through agents, and because h~ has personal knowledge of some of the facts averred in the fore oin9 pleading; and that the statements made in the foregoing ple ding are true and correct to the best of his knowledge, informatio and belief and the source of his information is public record: and reports of Plaintiff's agents. The undersigned understands that this statement herein is made subject to the penalties o~ 18 Pa.C.S. Section 4904 relating to unsworn falsificatio to authorities. / / 1 Mark J. UdlJell, E~:'QUIRE UDREN LAW OFFICES, P.C. () c' .;;: ,- 0 .fQ. AJ t (J) 't lf1. . W V( ...... C> \'- -t w V( ~ ~ 1'-' () D t- -L... "-' c::;> C;,:) "-" o -1 ::; J::-,' --< I W :;1 h-'iJd -r.,n, :GO .-....~---;.~~8 .</1 i--~ ~C;~ _ i V) ~}~ -< ~ -,~"': (,,) !",.:. <'"' - SHERIFF'S RETURN - REGULAR .~ASE NO: 2005-02286 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND MORTGAGE ELECTRONIC REGISTRATI VS NENNINGER STEVE L ET AL RICHARD SMITH , Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon NENNINGER STEVE L the DEFENDANT , at 1956:00 HOURS, on the 4th day of May at 1827 RITNER HIGHWAY , 2005 SHIPPENSBURG, PA 17257 by handing to STEVE NENNINGER a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 18.00 11.84 .00 10.00 .00 39.84 ~'.("L '1 ~";,,...?~~ ~_,~~,:c.~~ ,./. , R. Thomas Kline 05/05/2005 UDREN LAW OFFIC Sworn and Subscribed to before By: me this 1~ day of Deputy SHeriff 71~ 'J" vWL1 v;{'c,> A. D . --'\ ,--_1,& . () fll, ill,. ~ A ~ i'y: thonotary . =r-I SHERIFF'S RETURN - REGULAR ,J '-CASE NO: 2005-02286 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND MORTGAGE ELECTRONIC REGISTRATI VS NENNINGER STEVE L ET AL RICHARD SMITH Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon NENNINGER SUSAN E the DEFENDANT , at 1956:00 HOURS, on the 4th day of May at 1827 RITNER HIGHWAY 2005 SHIPPENSBURG, PA 17257 by handing to STEVE NENNINGER, HUSBAND a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 6.00 .00 .00 10.00 .00 16.00 So Answers: -~('/ "'.pY ",;P,;,''';' >..~~-:? '.'. ...j<::-'P"'1~R R. Thomas Kline 05/05/2005 UDREN LAW OFFIC Sheriff Sworn and Subscribed to before By: me this "" '1- day of 111.<; ( . '--"-(,) n~~ W'~thonotary " ., ') .- 'dOt)':) A.D. Mortgage Electronic Registration Systems, Inc. Plaintiff : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA v. : NO. 05-2286 CIVIL TERM Steve L. Nenninger Susan E.Nenninger Defendants : CIVIL ACTION - LAW ANSWER TO THE COMPLAINT IN MORTGAGE FORECLOSURE 1. Admitted. 2. Admitted. 3. Admitted. 4. Neither admitted nor denied. Information about payments of principal and interest is in the control of the Plaintiff, and is not available to the Defendants and is demanded at trial. 5. Neither admitted nor denied. Information about payments of principal and interest is in the control of the Plaintiff, and is not available to the Defendants and is demanded at trial. 6. Neither admitted nor denied. Information about payments of principal and interest is in the control of the Plaintiff, and is not available to the Defendants and is demanded at trial. 7. Admitted. 8. Admitted. WHEREFORE, Defendants request this Honorable Court dismiss the action in Mortgage Foreclosure. '1wf ~ Q I tDO~ Date Respectfully Submitted TURO LAW OFFICES fldJ.~ Turo Law Offices 28 South Pitt Street Carlisle, PA 17013 (717) 245-9688 Attorney for Defendants II VERIFICATION I verify that I have sufficient knowledge of the facts to verify that the statements made in the foregoing Answer are true and correct. I understand that false statements herein made are subject to the penalties of 18 Pa.C.S. ~4904 relating to unsworn falsification to authorities. Z/J()r;- - 1 , I, II CERTIFICATE OF SERVICE I hereby certify that I served a true and correct copy of the foregoing Answer to The Complaint in Mortgage Foreclosure, upon Mark J. Udren, Esquire, by U. S. First Class Mail on the eighth day of July, 2005, from Carlisle, Pennsylvania, addressed as follows: Mark J. Udren, Esquire Udren Law Offices Woodcrest Corporate Center 111 Woodcrest Road Suite 200 Cherry Hill, NJ 08003 TURO LAW OFFICES icha och, Esquire 28 South Pitt Street Carlisle, PA 17013 (717) 245-9688 Attorney for Defendants -"<"~- " \""'~' ... :--J" (') ';, ~1, r.;;:? ",' (j7~ . \;.::\ ",,;:, ,.-.t.;::,_ -"..,. " ~/ .o<~) -::.:I, ~. ? \ 0:> q, ~-0 ~\e, -08 ,'-,J , ") .\..) -.~~'::\,; ..-0 ::;:. r..::> '.' ';-')r"', '-:;: (r\ <) ":.....\ j::" ':;(~ ,~ -- ..s;; i7" UDREN LAW OFFICES, P.e. BY: MARKJ. UDREN,ESQUlRE ATTY I.D. NO. 04302 WOODCRESTCORPORATECENTER 111 WOODCREST ROAD, SUITE 200 CHERRY mLL, NJ 08003-3620 856-669-5400 Mortgage Electronic Registration Systems, Inc. ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CNIL DNISION Cumberland County Plaintiff v. Steve L. Nenninger Susan E. Nenninger NO. 05-2286 Civil Term Defendants MOTION FOR SUMMARY .JUDGMENT Plaintiff, Mortgage Electronic Registration Systems, Inc., by its Attorney, Mark J. Udren, Esquire, respectfully requests your Honorable Court to enter an Order granting Summary Judgment in the above-captioned matter for the following reasons: I. There are no genuine issues as to any material fact, and therefore, Plaintiff (moving party) is entitled to Judgment as a matter of law. 2. Defendants, Steve L. Nenninger and Susan E. Ne:nninger, filed an Answer to the Complaint in which Defendants effectively admitted all of the allegations in the Complaint. 3. At the time of this pleading, Defendants owned the premises being foreclosed without making a mortgage payment for an excessive period of time. 4. Defendants admit paragraphs 1,2,3,7 and 8 of the Complaint outright, thereby admitting, inter alia, that Defendants are the real owners and mortgagors of the within mortgaged property; that the attorney's fees are in conformity with the mortgage documents and Pennsylvania law; and, that Plaintiff complied with the statutory pre-foreclosure Notice requirements. 5. Although Defendants purport to deny and/or fail to deny, in whole or in part, specifically or by necessary implication, the averments contained in paragraphs 4, 5 and 6 of the Complaint, in reality, said denials are improper and should be deemed as admissions for the reasons set forth in the attached Memorandum of Law. 6. The Pennsylvania pre-foreclosure Act 6 Notice is not required as the Defendants' original principal balance on the Mortgage is greater than $50,0100.00. 41 P.S. Section 101, et sea. See Exhibit "A" attached hereto (Mortgage). 7. Plaintiff complied with the Pennsylvania pre-foreclosure Notice requirements of Act 91 (35 P.S. Section 1680.40Ic, et sea.). 8. Plaintiff has an express contractual right pursuant to the terms of the Mortgage to charge the Defendants attorney's fees as a consequence of the initiation of the within action in mortgage foreclosure. 9. In addition to the amounts due and owing as set forth in the Complaint, additional sums have accumulated since the filing of the Complaint, pursuant to the terms of the Mortgage. The total amounts due and owing, which sums can be calculated from the face of the Complaint, are as follows: Principal of debt due and unpaid $54,203.36 Interest at 13.95% from 12/3/04 to 8/31105 (the per diem interest accruing on this debt is $20.72 and that sum should be added each day after 8/31105) 7,495.99 Title Report 325.00 Court Costs (anticipated, excluding Sheriffs Sale costs) 280.00 Late Charges 80.00 Uncollected Late Charges 80.00 Suspense Balance (60.00) Extension Interest Due 1,878.71 Property Inspection Fees 20.00 BPO Fee 100.00 Attorney's Fees (anticipated and actual to 5% of principal) 2.710.17 TOTAL $67,113.23 WHEREFORE, Plaintiff respectfully requests that the Honorable Court grant its Motion for Summary Judgment, and that Judgment be entered, in rllli.!, as prayed for in the Complaint in favor of the Plaintiff and against the Defendants, Steve L. Nennilnger and Susan E. Nenninger, in the amount of $67,113.23, together with ongoing per diem intefl~st, escrow advances, and any additional recoverable costs to date of Sheriffs Sale; and for foreclosure and sale of the mortgaged property. (") c::. '"0 'IT:. r:(.1 \ ~ : ...: ~- ( -~'! "J r:~ ;. <- "';-.'" !,'-~-- ~~ ~~~f 2: :<' r-> g .J' ""' C G') N ~ ~;!1 hi ;)Q S-~qi -C-n QB k,,, 9 "'" ~ -0 ;:);: '-d N N PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in duplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please list the within matter for the next Argument Court. CAPTION OF CASE (entire caption must be stated in full) Mortgage Electronic Registration Systems, Inc. (Plaintiff) vs. Steve L. Nenninger Susan E. Nenninger (Defendants) NO. 05-2286 Civil Term 1. State matter to be argued (i.e. plaintiffs motion for new trial, defendant's demurrer to complaint, etc.): Motion for Summary Judgment 2. Identify counsel who will argue case: (a) for plaintiff: Mark J. Udren, Esquire Address: Woodcrest Corporate Center, 111 Woodcrest Road, Suite 200 Cherry Hill, NJ 08003-3620 (b) for defendants: Richard Koch, Esquire Address: 28 South Pitt Street Carlisle, PA 17013 3. I will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: October 20, 2005 UDREN L By: Mark . Udren, Esquire Attorney for PlaintifflMovant (") c: ",- -ni~p Q}r;_. 21):;. ~~., ,-. ~~,. ~.~~: )>c: :z =2 ,..., = = "'"' :x>- c:: '" ~ :i! ~:ll~ 'rJ (:) --j -;-\ -L--n- c:J(') Zrn :::> ;B! :0 '-< N -0 ::z:: C-:? N N UDREN LAW OFFICES, P.C. BY: MARKJ. UDREN,ESQUlRE A TTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY IllLL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Mortgage Electronic Registration Systems, Inc. COURT OF COMMON PLEAS CIVil- DIVISION Cumberland County Plaintiff v. Steve L. Nenninger Susan E. Nenninger NO. 05-2286 Civil Term Defendants PRAECIPE TO ATTACH AFFIDAVIT AND VERIFICATION TO PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT TO THE PROTHONOTARY: Kindly attach the enclosed Affidavit and Verification to Plaintiffs Motion for Summary Judgment, which was filed on August 12, 2005. UDREN;urLES' P.C By: ( ~ Mark 1. Udren, Esquire Attorney for Plaintiff UDREN LAW OFFICES, P.C. BY: MARKJ. UDREN,ESQUlRE ATTY I.D. NO. 04302 WOODCRESTCORPORATECENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 Mortgage Electronic Registration Systems, Inc. ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County Plaintiff v. Steve L. Nenninger Susan E. Nenninger NO. 05-2286 Civil Term Defendants AFFIDAVIT STATE OF MINNESOTA COUNTY OF DAKOTA SS I Scott Walter, being duly sworn according to law, depose and say: I. That I am the Vice President for Mortgage Electronic Registration Systems, Inc., the Plaintiff in the within matter. 2. That in said capacity I am familiar with the account that forms the basis ofthe instant foreclosure action and that I am authorized to take this Affidavit. 3. That all notices, if required to be sent to Defendants pursuant to Act 6 of 1974 and Act 91 of 1983, have been sent pursuant to the requirements of those Acts on the dates appearing thereon, copies of said notices being attached to the Complaint as Exhibits, if applicable. 4. The amounts due on the Mortgage were correctly stated as ofthe date appearing in the Complaint, in paragraph 6 thereof, and have accumulated since the filing of the Complaint, as follows: Principal of debt due and unpaid Interest at 13.95% from 12/3/04 to 8/31105 (the per diem interest accruing on this debt is $20.72 and that sum should be added each day after 8/31/05) $54,203.36 Title Report Court Costs (anticipated, excluding Sheriffs Sale costs) 7,495.99 325.00 280.00 80.00 80.00 Late Charges Uncollected Late Charges Suspense Balance (60.00) Extension Interest Due 1,878.71 20.00 100.00 Property Inspection Fees BPO Fee Attorney's Fees (anticipated and actual to 5% of principal) 2,710.17 $67,113.23 TOTAL A true and correct copy ofthe payment history, attested to herein, is attached hereto as Exhibit "A". By: Name: Scott Waite Title:Vice President HOllY l YNN FARLEY NO TARY PUBLIC. MI-lNESOTA MY COMMISSION EXPIRES JAN 31.2009 PRJllIIUUS c6S? S8Z 657.82 69'9 :';97 69SL9'i' 699:;,'.97 '69'$1.97 ~jJO :LATJ!: CHU.GI,-P'mT :23,~84 23('57 ,19;27 ;18:',-90 ,18:57 .:rS;-3'4 633.98 63'4;':25 680'.:70 681.,-1'7 6B1-:,,:40 581,,63 -------___11IIIII I !i)e~1COde. !PIO~.~. f~ )CIT'lllIIl. lNR\l II EXHIBIT A 65?~S2 26.15 6:3'L67 .00 ~6S7 ~B2 ::25::85 631'.9.7 ~OO 700:. 64 Z.L55 632:.1:7 ..00 opr' PRXHIttHS ~,oo LATE CHARGE':PYM.T -42::8Z ;657"' 62 ;Z5;'26 632 ;:56 ~'oo ,65'7,,82 Z4~9? 63'2::85 ~oo 0~f030? '675.:. 00 Z4~,AO S33;~4Z ;'00 on ,P.nHImlS .,00 ::UT;:K CHARGlt:;'i'YHT T?d8 ._..______1liIlIIIIU 111lo~1<O.dM l%Cild.. ~. iu.,eodaslcn'81IDsINRV .I~I , ",i1t Institution 088 Production HSBC~! Wmki~tw{;:~'~""ii~~ljl' k\ljk-=:~I.tkkk. .,. "0'. --.-......----- illlel." GOde, ICIOGO"'. Illelauh1in. !looc....lcrr.~Olls jNRV III Institution 088 Production HSBC ~. fI~!~0'~':Lvpm!'0",I~;~~0'i~rll;,:ww~!f~I{. "llllt~~~~"~"~kk,,!ljJ 699.97 18.,'S? 6aL 40 .'00 ,03 .0.3 ~o.o ,-DO 080302 699,9'7 IB~'34 68L63 .00 Messilge~j~lIJ)'<:Ol':'1tt~l"l)ll;Y , command:l 'iB-oTTOti:i" ~~~I ~ ~----~ i IOelavGode, lelO Code, ~, iLoo Go.., ICIT~OO, .INRV II Institution 088 Production .03 .03 .00 ",'aD 69'9,;9,7 19:'27 680.-70 :00 700.00 ;:00 ::00 .00 UNAPPLIED fUNDS 11) 700,00 BALANCE _03 .'03 .00 :00 ~lO302 699,;97 19,,;,03 680:94 .00 l.L030Z .03 .:03 ,:00 .00 1003-02 699:9.7 '.l:1:L;80 6eLl? .,00 _1IIIII!UlII--_~_'" lDe~v God.. IOiOCod.. ~lin. IlooGod..ICIT~OO, .~111 Institution 088 Production HSBC~ Im'---~mm~iil"" 'Jm ~,~^"_iWli,jj,rj~~~~l' ',' i;!Hi !W~~r~0St:'BibYBM'i ,x,' ,bm 699:9,7 PART 'PHTSHTG 680~:Z1 PART ;'PHT SHTG 00 O~03B.A.IiANCB PART PHT>SHTG 680 ";46 :"00 699~9,4 LOO ~OO 19:76 699';'91 :00 -:699.:94 :00 ~03 UNAPPLIED FONDS ~l) _00 0.03 ;599.97 ",,700.:00 ~~.Sl _'no -_.-----~ IID.I"VOode. 10/0 Godo. !Dmuhlin. !to,Go,,, lC:lnOlh lNRV I! OPT PREMIUHS 030303 -700 :00 OPT PR!H!'UHS UFU :030303 UNAPPLIED FmIDS (~) 30303 .00 OPT P:RBMImlS .OO:LATE CHARGE'PYHT 20;00 6?9.9? .000 LATE CHARG'E:PYHT ':",0,:06 "BALANCE ;00 ~'OO ~:OO LATE," CHARGX:,PYHT PART:PHT >SH't,C c02 :00 ~oo -"1lIIIIl811!1111l11111!1___"BIIIIII i!DelavO,de, IOIOCooes !U\llaUlllin' ILo,Codes!OIT1lO0,!t:ill'i .Ii~~ im Institution 088 Production HSBC,(.D'. '~rfm~~' W~11~iEitm'" i~'F"";~='" """w",~..", ,"- (,iF im.""lIll;'i~MI,,'n,"nn,.nnJlii: 657.82. 23.>57 634~Z5 .00 657 "e2- DUE 657,,:8ZSHORT cOO T'ELLER~i093 .00 ,,:'00 300_:00 UNAPPLIED FUNDS (1) .00 .00 _"ClO ~aS9.44'* ~OO 300" DO; 'BALANCE .00 ~'OO 'cOO ~oo .00 OPT 'P:RRHImlS ;:00 LA!!, 'CHAllGE;;PYRT ,;;_zo~'oo.. ------------ !!DelavCode. ICI~COdes~. IlDaCode.!CIUOO, lNRVl1l :OPT PRJIfTOMS ;00 :LATE CHAIUiE'Pmr 868:303 ,~OO .:'00 .00 :OPT ,~URIum: ~'OO ;1;ATl: ClU;lP.:GE::PY.8T 40~(JO* 060'303 LOD .00 ~OO ~OO PRBHIUHS .00 LATE CHA:IlGE'P,YflT, ,-:20~OD* ~OO .00 ~'OO PREHIUl<S ~_'OO Lllll CHARGE PYlIT '-300'~,'OO ~':OO ~OO 1IIIlIIIIlU!8__________ i IDelavGodes jClOGedes ~. Ito.C.,,, IClT80l1s l!:llill It! Institution 088 Production HSBC~ ~lt~~ilmftl OPT PREMIUMS .00 LATE CHA.P.GE"PYHT OB0303 '71".73 24.12 633.70 OPT PREMIUMS ..'00 LATE CHARGEPYHT 08:0303 ~oo .00 00 :OPT PRKHIUHS ;00 LAIE CHARGE'PYftT 070303 657.82 23~ 84 63:3;':98 070303 .00 ..00 .'00 'OPT I'RBIUUHS .:00 LAT,E- 'CHARGP:<PYlIT Message:.'Hti1:5PIrlflJ;,C\mPLn; com~'~nd:l in!:: ~__... ...~' ..'..~J ~ .-------_IIII~ IDeI.v c.de. ICIO Cod" j1l0t0ultLin' lloocodes IGllSon, 1!lli\L II Institution 088 Production UNAPPLIXDFUNDS 20~OO tmAP.U,I'!D'lf'ONDS., t2} 6S7~82: ~OO '20.00 BALANCE ;.00 '2;0 ;'o'D ..BALANCE 24~68 633~.jd .00 OPT PREHITJllS .00 ;:00 ~JJlJ J.1I.Ti CKAtlG'X>P'YHT :PAID '677. 82:DUi G.?7;c82 SHORT .Oca'.TELI.iR i 9:2 67.5 ~oo O:PT.PP.EHIURS 24~40 63'3.;-"12 ~.oo l.'7~l.e ~;'OO;LA;.TX:<CHAD.Gll;'::P;YHl',' .......~--~ [jDelaYc..!e' IclO c..!e, ~. ILo'fCcide,ICIT~Dlh ]tlIDi III Institution088 Production HSBC.~. !~lW' ".... . '\\iF' ,q, \; """.gimJ;'."""';,3x,,,,,JIrw ~-~ ,jDelavBode. jclOGodes ~. jLo.lCad" ]CltBOll,jNR\I I! Institution 088 Production UNAPPLII'DFU'ND 5(2) '700 ~ 64 Pl\lllmJ!lS 2:5,;,S5 ""2Q~ 0,0 'BA.1AHCE 632~'27 ~oo "42;;82 ~'o.o :un: CHA1U:.E':',PYHT 010304 ~oo ;00 .00 OPT ,PP,EHIUHS ,;00 .LATE CHA.lI.G! 'iPYH"T 12.0303 120303 65,'7.82 .0'0 25..,2.6 .00 632:.;56 .>00 .00 ~20,;:OO* ,OPT 'P::Ql!:HI-UHS .00 LA,IE cm.~GR':PYHT .l\I"IIIIIIIIIII_~____ i IDeJay.Cod" ICIO Codes IOilbuaii.. !looCo", IdIT~lJlls INRVI,!!!i. 'I , '" , ~ Institution 088 Production HSBC.~ i"~~.~~imm) lY~0"'''Y';11iI1;h ". hm" hlh\" "',-:0tJ~Jlm\' .00 . 00 ~;oo ~oo LATE CHARGE ,';PYMT ZS:2S 6~1_97 .'00 :'00 ;00 LATE'pHA:ACX ',PYKT /00 ~- 00 ~;oo LATEC!iAR(;E :'PYHT _00 ~oo JOO .LATlhCHAII,'GE.', P.YHT PRBHIUHS ;657 '~8Z ~oo PRlRI-UlIS _2:0~OO OPT PUHIUHS :00 -tlPT PUHIlmS 20.:00 ;00 ZO_-~OO* -~~--..-- ! jDel" Cod.. ICIOC.des~. U;;;;:-dmi..jCITBOO, lBIDi II Institution 088 Production HSBC~. 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VERIFICATION The undersigned, the Plaintiff in the Motion for Summary Judgment, being authorized to make this Verification on behalf of the Plaintiff, hereby verifies that the facts set forth in the Motion for Summary Judgment are taken from the business records of the Mortgage held by the Plaintiff in the ordinary course of business and that those facts are true and correct to the best of the knowledge, information and belief of the undersigned. The undersigned understands that this statement is made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. Mortgage Electronic Registr Systems, Inc. By: ~ Name:Sc.m <Im:r - Title:Vice President Dated AUGUST 10, 2005 UDREN LAW OFFICES, P.C. BY: MARK J. UDREN, ESQUIRE ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY mLL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Defendants ! COURT OF COMMON PLEAS 1 CIVIL DIVISION I Cumberland County I NO. 05.2286 C;.i( T,~ CERTIFICATE OF SERVICE Mortgage Electronic Registration Systems, Inc. Plaintiff v. Steve L. Nenninger Susan E. Nenninger I, Mark J. U dren, Esquire hereby certify that I have served a true and correct copy of the Praecipe to Attach Affidavit and Verification to Plaintiff s Motion for Summary Judgment upon the following persons named herein at their last known address or their attorney of record: Regular First Class Mail Certified Mail Other Date Served: August J ? , 2005 xxxxx TO: Richard Koch, Esquire Turo Law Offices 28 South Pitt Street Carlisle, PA 17013 Attorney for Defendants UDREN A1i:rES. PC By: \ - Mark J. Udren, Esquire Attorney for Plaintiff (") .;:-, ...., = = u' ._, ...:~.. ; -~ ~':' f>.' f"" ~ 1:n rl1r- -'Ora -:-r: (T/ c~-.~ ~7, ;~2~I;j "-ern '--.), j:, -.0 =-< ~~ - c) II Mortgage Electronic Registration Systems, Inc. Plaintiff : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA v. : NO. 05-2286 CIVIL TERM Steve L. Nenninger Susan E. Nenninger Defendants : CIVIL ACTION - LAW P~ECIPE FOR WITHDRAWAL OF ANSWER TO TI:lE COMPLAINT IN MORTGAGE FORECLOSURE TO THE PROTHONOTARY OF SAID COURT: Please withdraw the Defendant's answer to the above complaint. Respectfully Submitted TURO LAW OFFICES ,~2~5- 13/~ h- ~ Rithard Koch, Esquire Turo Law Offices 28 South Pitt Street Carlisle, PA 17013 (717) 245-9688 Attorney for Defendants CERTIFICATE OF SERVICE I hereby certify that I served a true and correct copy of the foregoing Withdrrawal of Answer to The Complaint in Mortgage Foreclosure, upon Mark J. Udren, Esquire, by U. S. First Class Mail on the twenty-second day of August 2005, from Carlisle, Pennsylvania, addressed as follows: Mark J. Udren, Esquire Udren law Offices Woodcrest Corporate Center 111 Woodcrest Road Suite 200 Cherry Hill, NJ 08003 TURO LAW OFFICES /L~~L/L7 /- 28 South Pitt Street Carlisle, PA 17013 (717) 245-9688 Attorney for Defendants ~ Q, ~,. ~~ C:;" -:1)'.-'\ u" "1..) ~ (?)t;.(_, ~ .~~_.....-; ..-0 \..~'({", -;> <;1 ..- ~ .0 .;::_ '-" -- - UDREN LAW OFFICES, P.c. BY: MARK J. UDREN, ESQUIRE ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY ffiLL, NJ 08003-3620 856-669-5400 Mortgage Electronic Registration Systems, Inc. Plaintiff v. Steve L. Nenninger Susan E. Nenninger Defendants ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County NO. 05-2286 Civil Term PRAECIPE TO ATTACH AFFIDAVIT AND VERIFICATION TO PLAINTIFF'S MOTION FOR SUMMARY .JUDGMENT TO THE PROTHONOTARY: Kindly attach the enclosed Affidavit and Verification to Plaintiffs Motion for Summary Judgment, which was filed on August 12, 2005. UDRENW'P,C. By: ( - Mark J. Udren, Esquire Attorney for Plaintiff Principal of debt due and unpaid Interest at 13.95% from 12/3/04 to 8/31105 (the per diem interest accruing on this debt is $20.72 and that sum should be added each day after 8/31105) $54,203.36 Title Report Court Costs (anticipated, excluding Sheriffs Sale costs) Late Charges Uncollected Late Charges 7,495.99 325.00 280.00 80.00 80.00 Suspense Balance (60.00) Property Inspection Fees 1,878.71 20.00 Extension Interest Due BPO Fee 100.00 TOTAL 2.710.17 $67,113.23 Attorney's Fees (anticipated and actual to 5% of principal) A true and correct copy of the payment history, attested to herein, is attached hereto as Exhibit "A". By: Name: Scott Walte Title: Vice President Sworn to and subscribed before me thiS3Y~)J ~ Notary Pub c fj' HOLLY LYNN FARLEY NOTARY PUBliC. MINNESOTA MY COMMISSION EXPIRES JAN. 31.2009 ~.......-. ijOelovGOdes ICI~CD48s lllelO"a1in'~COIJ8S!Cll~lIlb !NRV !I EXHIBIT A Institution 088 Production HSBC~c "f""'#:,,~'~~"""m:- ,':~,~: Ii? 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ID~.>lOOd"ICIOC'des ~, ~" lC1HOO, jft!lIL II -lZOg04 1.20304 lZO~04 9.;S0 ~6...CmlP,ADV.l 1,:50 33. PROP:DJ!:mnCTION .PHO.11'O 9;: 0.0 1-1 PROP: INSp,BCIIOJF'l!'XR 100 ~OO 40 EXPENS'1!:<ADVANCES 120304 _00 ..00 657;'82 ~.OO 657_B2 ,,00 <tIP!, . PRXHIUHS .:00 ~LA.'IR '_CHA1l.GlI:PYHT ....Z7,:71* ~.......--~ iID~>lOod.. ICIOGod" ~, I""Code, I~ INRV [I VERIFICATION The undersigned, the Plaintiff in the Motion for Summary Judgment, being authorized to make this Verification on behalf of the Plaintiff, hereby verifies that the facts set forth in the Motion for Summary Judgment are taken from the business records of the Mortgage held by the Plaintiff in the ordinary course of business and that those facts are true and correct to the best of the knowledge, information and belief of the undersigned. The undersigned understands that this statement is made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. Mortgage Electronic Re~r Systems, Inc. By: Name:S alter Title:Vice President Dated AUGUST 10, 2005 UDREN LAW OFFICES, P.C. BY: MARKJ. UDREN,ESQUIRE ATTY I.D. NO. 04302 WOODCRESTCORPORATECENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 A TTORNEY FOR PLAINTIFF Mortgage Electronic Registration Systems, Inc. COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County Plaintiff v. Steve L. Nenninger Susan E. Nenninger NO. 05-2286 Civil Term Defendants CERTIFICATE OF SERVICE I, Mark J. Udren, Esquire hereby certify that I have served a true and correct copy of the Praecipe to Attach Affidavit and Verification to Plaintiffs Motion for Summary Judgment upon the following persons named herein at their last known address or their attorney of record: Regular First Class Mail Certified Mail Other Date Served: August I 'i , 2005 xxxxx TO: Richard Koch, Esquire Turo Law Offices 28 South Pitt Street Carlisle, PA 17013 Attorney for Defendants UDREN "iiJ1CES. P.C By: \ - Mark J. Udren, Esquire Attorney for Plaintiff (1 .;:, ~ ~ cJ" ";'C',:. "'- ~<, r'" Q. -' :r,~ p,\(\ :?i~-t C't)\ - ~n i.;~~t~ ',")' -'-\ i: '2 --1:' " r_'.i.... -- .' , v -' ~ UDREN LAW OFFICES, P.C. BY: MARKJ. UDREN, ESQUIRE ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY IDLL, NJ 08003-3620 856-669-5400 Mortgage Electronic Registration Systems, Inc. Plaintiff v. Steve L Nenninger Susan E. Nenninger ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CN~ DNISION Cumberland County NO. 05-2286 Civil Term Defendants PRAECIPE TO WITHDRAW MOTION FOR SUMMARY JUDGMENT WITHOUT PREJUDICE TO THE PROTHONOTARY: Kindly withdraw the Motion for Summary Judgment, filed on August 12, 2005, without prejudice. DATED: AugustA~ ,2005 UDREN LAW OFFICES, P.e. By: vn Mar~lire Attorney for Plaintiff UDREN LAW OFFICES, P.C. BY: MARK J. UDREN, ESQUIRE ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Mortgage Electronic Registration Systems, Inc. COURT OF COMMON PLEAS CNIL DNISION Cumberland County Plaintiff v. Steve L. Nenninger Susan E. Nenninger NO. 05-2286 Civil Term Defendants CERTIFICATE OF SERVICE I, Mark J. Udren, Esquire hereby certify that I have served a true and correct copy of the Plaintiffs Praecipe to Withdraw Motion for Summary Judgment Without Prejudice upon the following persons named herein at their last known address or their attorney of record: Regular First Class Mail Certified Mail Other Date Served: August ;).~ ' 2005 xxxxx TO: Richard Koch, Esquire Turo Law Offices 28 South Pitt Street Carlisle, PA 17013 Attorney for Defendants UDREN LAW OFFICES, P.c. By: Mark J. Udren, Esq ire Attorney for Plaintiff C) '"'> C = ~ = ~"". OJ> -'~-' .I-~ C" "'" :e:n -., '. c:: (1-; nor- "', -urn O"l ''''0 '~~{ (J... -0 /;l:B === c. .,"0 ::?:;. '::' drn :.< ._, ."5 -.J ..;; UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY LD. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 Mortgage Electronic Registration Systems, Inc. Plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County v. Steve L. Nenninger Susan E. Nenninger Defendant(s) NO. 05-2286 civil Term PRAECIPE TO SUBSTITUTE VE;RU'ICATION TO THE PROTHONOTARY: Kindly substitute the attached Verification for the Verification attached to the Complaint in Mortgage Foreclosure with regard to the captioned matter. UDRE LAW OFFICES, P.C.' BY: rk J. Udren, Esquire ttorney for Plaintiff DATED: August 31, 2005 V E R I F I CAT ION The undersigned, an officer of the Corporation which is the Plaintiff in the foregoing Complaint or an officer of the Corporation which is the servicing agent o:E Plaintiff, and being authorized to make this verification on behalf of the Plaintiff, hereby verifies that the facts set forth in the foregoing Complaint are taken from records maintained by persons supervised by the undersigned who maintain the business records of the mortgage held by plaintiff in the ordinary course of business and that those facts are true and correct to the beat of the knowledge, information and belief of the undersigned. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. ~. ""1#, ' I ()JAV)J{ , Na : -::>__~ ~ Tit e, Vice 'reeide t Company: Mortgage Electronic Registration Systems, Inc. A-. Date: G,~c:>.t>"' Steve L. Nenninger Susan E. Nenninger Loan #0006270169 MJU #05040273 (") C~ ~, <~:--;, C-.~ c.n r."", r-- -.'0 Cl "0' ~ nl"": -nhC ~I1 ~~~ I N t::"': o r,) CJ j" , .... UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 Mortgage Electronic Registration Systems, Inc. 1270 Northland Drive, Suite 200 Mendota Heights, MN 55120 Plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE v. Steve L. Nenninger Susan E. Nenninger 1827 Ritner Highway Shippensburg, PA 17257 Defendant(s) NO. 05-2286 Civil Term PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly enter judgment in favor of the Plaintiff and against the Defendant(s) Steve L. Nenninger and Susan E. Nenninger for failure to file an Answer to Plaintiff's Complaint wi thin 20 days from service thereof and for foreclosure and sale of the mortgaged premises, and assess Plaintiff's damages as follows: As set forth in Complaint Interest Per Complaint From 4/20/05 to 8/31/05 Late charges per Complaint From 4/20/05 to 8/31/05 $64,229.82 2,776.48 80.00 TOTAL $67,086.30 I hereby certify that (1) the addresses the Plaintiff and Defendant are as shown above, and (2) that notice has been given in accordance with Rule 237.1, copy of which is atta hed hereto. DAMAGES ARE HEREBY ASSESSED AS DATE, _~~_p d I ~ -- ATTORNEY FOR PLAINTIFF UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER ~11 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003 856-669-5400 Mortgage Electronic Registration Systems, Inc. ~ COURT OF COMMON PLEAS ~ CIVIL DIVISION I Cumberland County . ~ NO. 05-2286 Plaintiff v. Steve L. Nenninger Susan E. Nenninger Defendant (s) Susan E. Nenninger 1827 Ritner Highway Shippensburg, PA 17257 DATE of Notice: June 28, 2005 IMPORTANT NOTI CE TO: YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS.YOU SHOULD TAKE THIS 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 P. 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. LAWYER REFERRAL SERVICE Cumberland Countv Bar Association 2 Libertv Avenue Carlisle,~PA 17013 717-249-3166 800-990-9108 NOTIFICACION IMPORTANTE USTED SE ENCUENTRA EN ESTADO DE REBELDIA POR NO HABER TOMADO LA ACCION REQUIRIDA DE SD PARTE EN ESTE CASO. AL NO TOMAR LA ACCION DEBIDA DENTRO DE UN TERMINO DE DIEZ (10) DrAS DE ESTA NOTIFICACION, EL TRIBUNAL PODRA, SIN NECESIDAD DE COMPARARECER US TED EN CORTE 0 ESCUCHAR PREUBA ALGUNA, DICTAR SENTENCIA EN SU CONTRA, USTED PUEDE PERDER BIENES Y OTROS DERECHOS, IMPORTANTES. DEBE LLEVAR ESTA NOTIFICACION A UN ABOGADO IMMEDIATAMENTE SI USTED NO TIENE ABOGADO, 0 SI NO TIENE DINERO SUFICIENTE PARP. TAL SERVICIO, VAYA EN PERSONA 0 LLAMB POR TELEFONO A LA OFICINA, CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASSISTENCIA LEGAL. SERVICIO DE REFERENCIA LEGAL LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 NOTICE: PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR AND THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. ,""\ Is?" .' \ r--'iarK 0. Uuven\,' Esarulre Woodcrest CO~polra"Ce \eente:::- 111 Woodc:::-es"C Road, Suite 200 Cher:::-y Hill, New Jersey 08003-3620 UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ08003 856-669-5400 ATTORNEY F:R PLAINTIFF Mortgage Electronic Registration Systems, COURT OF COMMON PLEAS Inc. CIVIL DIVISION Plaintiff Cumberland County v. Steve D. Nenninger Susan E. Nenninger Defendant(s) NO.05-2286 TO: Steve L. Nenninger 1827 Ritner Highway Shippensburg, PA 17257 DATE of Notice: June 28, 2005 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS 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 MP.Y BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liber::y Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 NOTIFICACION IMPORTANTE USTED SE ENCUENTRA EN ESTADO DE REBELDIA POR NO HABER TOMADO LA ACCION REQUIRIDA DE SU PARTE EN ESTE CASO. AL NO TOMAR LA ACCION DEBIDA DENTRO DE UN TERMINO DE DIEZ (10) DIAS DE ESTA NOTIFICACION, EL TRIBUNAL PODRA, SIN NECESIDAD DE COMPARARECER USTED EN CORTE 0 ESCUCHAR PREUBA ALGUNA, DICTAR SENTENCIA EN SU CONTRA, USTED PUEDE PERDER BIENES Y OTROS DERECHOS, IMPORTANTES. DEBE LLEVAR ESTA NOTIFI CACION A UN ABOGADO IMMEDIATAMENTE SI USTED NO TIENE AB o GAD 0 , 0 SI NO TIENE DINERO SUFICIENTE PARA TAL SERVICIO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA, CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARP_ AVERIGUAR DONDE SE PUEDE CONSEGUIR ASSISTENCIA LEGAL. SERVICIO DE REFERENCIA LEGAL LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 NOTICE: PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR AND THIS IS ~~ ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. . /"'";\ /""'\ '1 \ / / t'/;, I .... Ma~d.re!}', EfAUJ1re Wood. Cord6~ate C~nte~ 111 Woodcrest Road, Sui f:-e-- 2-0-0 Cherry Hi~l, New Jersey 08003-3620 '! UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-482-6900 Mortgage Electronic Registration Systems, Inc. 1270 Northland Drive Suite 200 Mendota Heights, MN 55120 Plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE v. Steve L. Nenninger Susan E. Nenninger 1827 Ritner Highway Shippensburgr PA 17257 Defendant(s) NO. 05-2286 Civil Term AFFIDAVIT OF NON-MILITARY SERVICE STATE OF COUNTY OF THE UNDERSIGNED being duly swornr deposes and says that the averments herein are based upon investlgations made and records maintained by us either as Plaintiff or as servicing agent of the Plaintiff herein and that the above Defendant(s) are not in the Military or Naval Service of the United States of America or its Allies as defined in the Soldiers and Sailors Civil Relief Act of 1940, as amendedr and that the age and last known residence and employment of each Defendant are as follows: Defendant: Steve L. Nenninger Age: Over 18 Residence: As captioned above Employment: Unknown Defendant: Susan E. Nenninger Age: Over 18 Residence: As captioned abovd~ Employment: Unknown \ " SS o o.,)~ 0 ~ Tltle Vlce PreSl ent Comp'any: ~ortgage Electronic Reglstratlon Systemsr Inc. Sworn to and subscribed before me thO 30 day of 1 C\-... 2 0 ~ < [ {dCJ& '-----' e BETTE J. PETERSON NOiARY PUBLIC. MINNESOTA , ' MY COMtv'!lSSION 5XI-IRES JA N. 31. 20 I 0 t p 0 ~ ...tJ .-' 7l () .L;~-") tt- C;~~~ (;:':-:'1 , c:fI ~ \) " U') i-"-' \) -U - ~ f\ - ~ I r ~ r'" '"'\} ..c::. - 0 j -J ~ 75 C> f.) ~ r- C? -. R~ --.:........ r-- ,..---------..--.-...---- UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 Mortgage Electronic Registration Systems, Inc. 1270 Northland Drive, Suite 200 Mendota Heights, MN 55120 Plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE v. Steve L. Nenninger Susan E. Nenninger 1827 Ritner Highway Shippensburg, PA 17257 Defendant(s) NO. 05-2286 Civil Term PRAECIPE FOR WRIT OF EXECUTION TO THE SHERIFF: Issue Writ of Execution in the above matter: Amount due $67,086.30 I Interest From 9/1/05 2,030.56 to Date of Sale 12/7/05 On Going Per Diem of $20.72 to actual date of sale if sale is held at a later date (Costs to be added) $ A p\!:- j ~ ~ ~ .l:: .[ - ~ ~ t- O(;) .c: - \) -J - C> ~ .../ ':), .J- ~ \ '\ t=-P .~ ~ ~ \....>><?i~ ~~~~'-:'~- ~ ~~\) ~ \:) .-- - c.)J \-J , ~ -C..., r b -r .------------.........-----. g ~ cf' -\ sc- -:;:. -ri ~J 01 e ~?\\~::.J '"":-;::;, \ . :;S2 ~?\~~, ;-::::. 1"'--' ~ o \ ~ WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 05-2286 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. Plaintiff(s) From STEVE L. AND SUSAN E. HENNINGER, 1827 RITNER HIGHWAY, SHIPPENSBURG PA 17257. (1) You are directed to levy upon the property of the defendant (s)and to sell REAL ESTATE LOCATED AT 1827 RITNER HIGHWAY, SHIPPENSBURG PA 17257 (SEE LEGAL DESCRIPTION) . (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) Ifproperty of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify himlher that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $67,086.30 L.L. $.50 Interest FROM 9/1/05 TO 12/7/05 @ $20.72 PER DIEM = $2,030.56 Atty's Comm % Due Prothy $1.00 Arty Paid $137.84 Other Costs Plaintiff Paid Date: SEPTEMBER 2, 2005 (Seal) CURTIS R. LONG :~fuonobry f~ REQUESTING PARTY: Name MARK J. UDREN, ESQ. Address: WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, STE. 200 CHERRY HILL NJ 08002-3620 Attorney for: PLAINTIFF Telephone: (856) 669-5400 Supreme Court ID No. 04302 ., UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Mortgage Electronic Registration Systems, Inc. 1270 Northland Drive, Suite 200 Mendota Heights, MN 55120 Plaintiff COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE v. Steve L. Nenninger Susan E. Nenninger 1827 Ritner Highway Shippensburg, PA 17257 Defendant(s) NO. 05-2286 Civil Term AFFIDAVIT PURSUANT TO RULE 3129.1 Mortgage Electronic Registration Systems, Inc., Plaintiff in the above action, by its attorney, Mark J. Udren, ESQ., sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at: 1827 Ritner Highway, Shippensburg, (North Newton Township) PA 17257 1. Name and address of Owner(s) or reputed Owner(s) : Name Address Steve L. Nenninger 1827 Ritner Highway Shippensburg, PA 17257 Susan E. Nenninger 1827 Ritner Highway Shippensburg, PA 17257 2. Name and address of Defendant(s) in the judgment: Name Address SAME AS #1 ABOVE 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address none -'- .. ../ 4. Name and address of the last recorded holder of every mortgage of record: Name Address Plaintiff herein. See Caption above. Orrstown Bank Stonehedge Office 427 Stonehedge Drive Carlisle, PA 17013 Manufacturers & Traders Trust Company One M&T Plaza, Buffalo, NY 14240 5. Name and address of every other person who has any record lien on the property: Name Address none 6. Name and interest in the sale: Name address of every other person who has any record the property and whose interest may be affected by Address Real Estate Tax Department 1 Courthouse Square Carlisle, PA 17103 Domestic Relations Section 13 North Hanover Street Carlisle, PA 17013 Commonwealth of PAl Department of Revenue Bureau of Compliance, Dept. 280946 Harrisburg, PA 17128-0946 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Name Address Tenants/Occupants 1827 Ritner Highway, Shippensburg (North Newton Township) PA 17257 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. sec. 4904 relating to unsworn falsification to authorities. UDREN LAW OFFICES, P.C. DATED: August 31, 2005 () s~~ t"-J = =:> c.n (f) 1'1 V o i1 I 1"'0 ~;: o N o UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Mortgage Electronic Registration Systems, Inc. 1270 Northland Drive, Suite 200 Mendota Heights, MN 55120 Plaintiff COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE v. Steve L. Nenninger Susan E. Nenninger 1827 Ritner Highway Shippensburg, PA 17257 Defendant(s} NO. 05-2286 Civil Term C E R T I FIe ATE Mark J. Udren, Esquire, hereby states that he is the attorney for the Plaintiff in the above-captioned matter and that the premises are not subject to the provisions of Act 91 because it is: An FHA insured mortgage Non-owner occupied Vacant x Act 91 procedures have been fulfilled. Over 24 months delinquent. This certification is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. r-~ " 1 l'--.) (~:.:::> e;:-, Cf1 ;:/) ;'i -'0 I N o 11 =r! r-nJ1 (__<0 ~ \._J o ~-i~~ , i f',,) o --- UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Mortgage Electronic Registration Systems, Inc. 1270 Northland Drive, Suite 200 Mendota Heights, MN 55120 Plaintiff COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE v. Steve L. Nenninger Susan E. Nenninger 1827 Ritner Highway Shippensburg, PA 17257 Defendant(s) NO. 05-2286 Civil Term NOTICE OF SHERIFF'S SALE OF REAL PROPERTY To: Steve L. Nenninger 1827 Ritner Highway Shippensburg, PA 17257 Your house (real estate) at 1827 Ritner Highway, Shippensburg, (North Newton Township) PA 17257 is scheduled to be sold at the Sheriff1s Sale on December 7, 2005, at 10:00 am in the Commissioners Hearing Room, 2nd Floor, Courthouse, Carlisle, PA, to enforce the court judgment of $67,086.30, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take immediate action: 1. The sale will be cancelled if you pay to the mortgagee the back payment, late charges, costs and reasonable attorney's fees. To find out how much you must pay, you may call: (856)-669-5400. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) ... YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 856-669- 5400. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call 856-669-5400. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within 30 days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after Schedule of Distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 ASSOCIATION DE LICENCIDADOS Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 ~ ~;; Cfl (/] ~.:,,~; I N ~~ C;? r...,j .--, \~-" UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER III WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Mortgage Electronic Registration Systems, Inc. 1270 Northland Drive, Suite 200 Mendota Heights, MN 55120 Plaintiff COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE v. Steve L. Nenninger Susan E. Nenninger 1827 Ritner Highway Shippensburg, PA 17257 Defendant(s) NO. 05-2286 Civil Term NOTICE OF SHERIFF'S SALE OF REAL PROPERTY To: Susan E. Nenninger 1827 Ritner Highway Shippensburg, PA 17257 Your house (real estate) at 1827 Ritner Highway/ Shippensburg/ (North Newton Township) PA 17257 is scheduled to be sold at the Sheriff's Sale on December 7/ 2005/ at 10:00 am in the Commissioners Hearing Room/2nd Floor, Courthouse/ Carlisle/ PA, to enforce the court judgment of $67/086.30/ obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take immediate action: 1. The sale will be cancelled if you pay to the mortgagee the back payment, late charges, costs and reasonable attorney's fees. To find out how much you must pay, you may call: (856) 669-5400. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) . . YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 856-669- 5400. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call 856-669-5400. 4. If the amount due from the Buyer is not paid to the Sheriffl you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within 30 days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after Schedule of Distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 ASSOCIATION DE LICENCIDADOS Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 o C:. r-:> c;? ,'-:::J< CJ1 qi, \_~: l. \ N -:>'-- -',.. .0 1-.....) CJ II . Mortgage Electronic Registration . Systems Inc., Plaintiff : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA v. : NO. 05-2286 CIVIL TERM Steve L Nenninger Susan E. Nenninger Defendants : CIVIL ACTION - LAW PRAECIPE TO WITHDRAW FROM ARGUMENT LIST TO THE PROTHONOTARY OF SAID COURT: Please withdraw the Defendants in this action from the Argument List. Respectfully Submitted TURO LAW OFFICES ~S(1ot. '2.6 J ZotJ~- oatf" ~~A Ri ard Ko , squire ~ 28 South Pitt Street Carlisle, PA 17013 (717) 245-9688 Attorney for Defendants 11 .1 :i .\ Mortgage Electronic Registration Systems Inc., Plaintiff : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA v. : NO. 05-2286 CIVIL TERM Steve L Nenninger Susan E Nenninger Defendants : CIVIL ACTION - LAW WITHDRAWAL FROM ARGUMENT LIST Defendants in this action withdraw from the argument list. Defendants do not wish to pursue this matter at trial. WHEREFORE, Defendants request this Honorable Court order their withdrawal from . the Argument List. Respectfully Submitted TURO LAW OFFICES Da;:F - -Zb J 1-1IH- '" CERTIFICATE OF SERVICE I hereby certify that I served a true and correct copy of the foregoing Withdrawal from Argument List upon Mark J. Udren, Esquire, by depositing same in the United States Mail, first class, postage pre-paid on the 1:J!..1"day of September, 2005, from Carlisle, Pennsylvania, addressed as follows: Mark J. Udren, Esquire Udren Law Offices Woodcrest Corporate Center 111 Woodcrest Road Suite 200 Cherry Hill, NJ 08003 TURO LAW OFFICES 0 ,...> 0 = ~';'. = -n c..t~ -I (/) X-n 0'. -" rn;-= -rJi'Tl ", :(J9 en (10 -:J ,)~ -~; ~.. .~:..C) om .-, .r:- ~ N C< . . UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Mortgage Electronic Registration Systems, Inc. COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County Plaintiff v. Steve L. Nenninger Susan E. Nenninger NO. 05-2286 Civil Term Defendant(s} CERTIFICATE OF SERVICE I, Mark J. Udren, Esquire, hereby certify that I have served true and correct copies of Notice of Sale upon the following person (s) named herein at their last known address or their attorney of record. Regular First Class Mail Certified Mail Other (certificate of mailing) Date Served: October 6, 2005 xxxxxx xxxxxx TO: Steve L. & Susan E. Nenninger c/o Richard Koch, Esquire 28 South pitt Street Carlisle, PA 17013 UDREN ES, P.C. By: Mark J. Attorney ren, Esquire for Plaintiff . t:knni Q~m /) t-3 0 nwo(J) Ill""rt t1 o ro f--'Ul <: .... 0 ;0 ro !Il iO ...- f--'rtot"' ~ ro P"::r. - III '1jt1R' >-l '1j ....0. 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OJ ::Ez z . c '" 0 ~ ilW - "' .;, =>< UJ E 0 0 0-' '" ~ E(J) g~ <5 rn~ LL 0 ~ '" '" ..,. "' c.!:!! rfJ '" ..,. "' <0 "" co Cl ~ ~ ~ ~ ~ ~ >--' a. , ",~ \.-) .";1 ~, -~- :;'\ <:'. ~. c; ,--j C;} COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND } SS: I, Robert P. Ziegler, Recorder of Deeds in and for said County and State do hereby certify that the Sheriffs Deed in which Household Realty Corp is the grantee the same having been sold to said grantee on the 7th day of Dec A.D., 2005, under and by virtue of a writ Execution issued on the 2nd day of Sept, A.D., 2005, out of the Court of Common Pleas of said County as of Civil Term, 2005 Number 2286, at the suit ofMtg Electronic Reg Systems Inc against Steve L Nenninger & Susan E is duly recorded in Deed Book No. 273, Page 372. IN TESTIMONY WHEREOF, I have hereunto set my hand and seal of said office this 3' day of J.i.i~'1_' A.D. .~ cc' h '71") (Li.{,t t5. .1J"-xJ~' , (L~j J 'Recorder of Deeds "-ofOoodl, Cumllel1and~ CarIIoIo, PA My Commission ExpIres the FiIIlIotondilV 11I_ . , " Mortgage Electronic Registration Systems, Inc. VS Steve L. Nenninger and Susan E. Nenninger The Court of Common Pleas of Cwnberland County, Pennsylvania Writ No. 2005-2286 Civil Term Robert Bitner, Deputy Sheriff, who being duly sworn according to law, states that on September 21,2005 at 8:34 o'clock PM, he served a true copy of the within Real Estate Writ, Notice of Sheriff's Sale and Description, in the above entitled action, upon the within named defendants, to wit: Steve L. Nenninger and Susan E. Nenninger, by making known unto Steve Nenninger and Susan Nenninger, personally, at 8 East Main Street, Plainfield, Cumberland County, Pennsylvania, its contents and at the same time handing to them personally the said true and correct copies of the same. Robert Bitner, Deputy Sheriff, who being duly sworn according to law, states that on October 13,2005 at 4:09 o'clock P.M., he posted a true copy of the within Real Estate Writ, Notice, Poster and Description, in the above entitled action, upon the property of Steve L. Nenninger and Susan E. Nenninger located at 1827 Ritner Highway, Shippensburg, Pennsylvania, according to law. R. Thomas Kline, Sheriff, who being duly sworn according to law, states he served the above Real Estate Writ, Notice, Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action to the within named defendants, to wit: Steve L. Nenninger and Susan E. Nenninger, by regular mail to their last known address of 8 East Main Street, Plainfield, P A 17081. These letters were mailed under the date of October 06, 2005 and never returned to the Sheriff's Office. R. Thomas Kline, Sheriff, who being duly sworn according to law, states that after due and legal notice had been given according to law, he exposed the within described premises at public venue or outcry at the Courthouse, Carlisle, Cwnberland County, Pennsylvania on December 7, 2005 at 10:00 o'clock A.M. He sold the same for the swn 01'$1.00 to Attorney Mark J. Udren for Household Realty Corporation. It being the highest bid and best price received for the same, Household Realty Corporation of 1270 Northland Drive, Suite 200, Mendota Heights, MN 55120, being the buyer in this execution, paid to SheriffR. Thomas Kline the sum 01'$927.51. Sheriff's Costs: Docketing Poundage Posting Bills Advertising Acknowledging Deed Auctioneer Law Library Prothonotary Mileage $30.00 18.19 15.00 15.00 30.00 10.00 .50 1.00 24.96 Certified Mail Levy Surcharge Postage Law Journal Patriot News Share of Bills Distribution of Proceeds Sheriff's Deed 8.84 15.00 30.00 Ll1 335.00 307.52 20.89 25.00 39.50 $ 927.51 Sworn and subscribed to before me 2006, A.D. Pro ary /~~?f R. Thomas Kline, Sheriff BY,..h cL\JfY\.t( h Real Estate: Sergeant &~0 3b ''':'. /.lu u, !/ .:<. rJ f '- D /7" ~:;'\ I\..LL' . , " UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Mortgage Electronic Registration Systems, Inc. 1270 Northland Drive, Suite 200 Mendota Heights, MN 55120 Plaintiff COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE v. Steve L. Nenninger Susan E. Nenninger 1827 Ritner Highway Shippensburg, PA 17257 Defendant(s) NO. 05-2286 Civil Term AFFIDAVIT PURSUANT TO RULE 3129.1 Mortgage Electronic Registration Systems, Inc., Plaintiff in the above action, by its attorney, Mark J. Udren, ESQ., sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at: 1827 Ritner Highway, Shippensburg, (North Newton Township) PA 17257 1. Name and address of Owner(s) or reputed Owner(s) Name Address Steve L. Nenninger 1827 Ritner Highway Shippensburg, PA 17257 Susan E. Nenninger 1827 Ritner Highway Shippensburg, PA 17257 2. Name and address of Defendant(s) in the judgment: Name Address SAME AS #1 ABOVE 3. Name a record Name and address of every judgment creditor lien on the real property to be sold: Address whose judgment is none I 4. Name and address of the last recorded holder of every mortgage of record: Name Address Plaintiff herein. See Caption above. Orrstown Ban' Stonehedge Office 427 Stonehedge Drive Carlisle, PA 17013 Manufacturers & Traders Trust Company One M&T Plaza, Buffalo, NY 14240 5. Name and address of every other person who has any record lien on the property: Name Address none 6. Name and interest in the sale: Name address of every other person who has any record the property and whose interest may be affected by Address Real Estate Tax Department 1 Courthouse Square Carlisle, PA 17103 Domestic Relations Section 13 North Hanover Street Carlisle, PA 17013 Commonwealth of PA, Department of Revenue Bureau of Compliance, Dept. 280946 Harrisburg, PA 17128-0946 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Name Address Tenants/Occupants 1827 Ritner Highway, Shippensburg (North Newton Township) PA 17257 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. sec. 4904 relating to unsworn falsification to authorities. DATED: August 31, 2005 f UDREN LAW OFFICES: P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER III WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Mortgage Electronic Registration Systems, Inc. 1270 Northland Drive, Suite 200 Mendota Heights, MN 55120 Plaintiff COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE v. Steve L. Nenninger Susan E. Nenninger 1827 Ritner Highway Shippensburg, PA 17257 Defendant(s) NO. 05-2286 Civil Term NOTICE OF SHERIFF'S SALE OF REAL PROPERTY To: Susan E. Nenninger 1827 Ritner Highway Shippensburg, PA 17257 Your house (real estate) at 1827 Ritner Highway, Shippensburg, (North Newton Township) PA 17257 is scheduled to be sold at the Sheriff's Sale on December 7, 2005, at 10:00 am in the Commissioners Hearing Room, 2nc Floor, Courthouse, Carlisle, PA, to enforce the court judgment of $67,086.30, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take immediate action: 1. The sale will be cancelled if you pay to the mortgagee the back payment, late charges, costs and reasonable attorney's fees. To find out how much you must pay, you may call: (856) 669-5400. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) I I YOU MAY STILL BE A~LE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. l. If the Sheriff's Sale is no~ stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 856-669- 5400. ~. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call 856-669-5400. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid foy your house. A schedule of distribu~ion of the money bid for your house will be filed by the Sheriff within 30 days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days aftey Schedule of Distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 ASSOCIATION DE LICENCIDADOS Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 , I. UDREN LAW OFFICES,' P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOOD CREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Mortgage Electronic Registration Systems, Inc. 1270 Northland Drive, Suite 200 Mendota Heights, MN 55120 Plaintiff COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE v. Steve L. Nenninger Susan E. Nenninger 1827 Ritner Highway Shippensburg, PA 17257 Defendant(s) NO. 05-2286 Civil Term NOTICE OF SHERIFF'S SALE OF REAL PROPERTY To: Steve L. Nenninger 1827 Ritner Highway Shippensburg, PA 17257 Your house (real estate) at 1827 Ritner Highway, Shippensburg, (North Newton Township) PA 17257 is scheduled to be sold at the Sheriff's Sale on December 7, 2005, at 10:00 am in the Commissioners Hearing Room, 2nd Floor, Courthouse, Carlisle, PA, to enforce the court judgment of $67,086.30, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take immediate action: 1. The sale will be cancelled if you pay to the mortgagee the back payment, late charges~ costs and reasonable attorney's fees. To find out how much you must pay, you may call: (856i -669-5400. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgmen~ was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) .. , YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. I~ the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 856-669- 5400. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff ~he full amount due in the sale. To find out if this has happened, you may call 856-669-5400. 4. If the amount due from the Buyer is not paid to ~he Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your hous~ will be filed by the Sheriff within 30 days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after Schedule of Distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 ASSOCIATION DE LICENCIDADOS Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 AL~ that certain l~t or ground with buildlngz erected thereon. situate in NorLh Newton Township, ~umberlnnd County, Pennsylvani~, bounded and described RG tollows: BEGINNING a: a point at the center of the Ritner Highway ID.S. Route No, ll} corner of land formerly of Louise L. Thomas. now O~ =orme~ly of Gladys Sou~beer; thence now or formerly along the l~nd of the said Gladys Sourbeer, North 45 degrees Wes:, a distance of 283 feet to a point marked by an iron pin; thence along lands formerly of Gri~singe~, now or formerly of Koser, Sou~h 42 J/4 degrees West, a dls~ance ot 101 feet to e paint marked by an iron pin; thence by lands formerly of Floyd, now or formerly of Kose~, Scu~h 27 de~rees 249.5 feet to a point in the center of the aforesaid Ritner Rlghway; thence along the center of the snjd Ritner Hiehway, North 57 degrees 40 minute~ East, a distance of 185 feet to a point, the plaoe af BEGINNING. CONTAINING 0,82 acres. more or less, BEING KNOWN AS: 1827 RITNER HIGHWAY, SHIPPENSBURG, NORTH. NEWTON TOWNSHIP) PA 17257 PROPERTY ID NO. : 30-11-0304-001 TITLE TO SAID PREMISES IS VESTED IN STEVE L. NENNINGER AND SUSAN E. NENNINGER, HUSBAND AND WIFE BY DEED FROM JANET F. MYERS, WIDOW DATED 08/23/91 RECORDED 09/12/9l IN DEED BOOK H35 PAGE 708, WRIT OF EXECUTION andlor ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 05-2286 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. Plaintiff(s) From STEVE L. AND SUSAN E. HENNINGER, 1827 RITNER HIGHWAY, SHIPPENSBURG PA 17257. (I) You are directed to levy upon the property of the defendant (s)and to sell REAL ESTATE LOCATED AT 1827 RITNER IDGHWAY, SHIPPENSBURG PA 17257 (SEE LEGAL DESCRIPTION) . (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the gamishee(s) is enjoined from paying any debt to or for the account ofthe defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify himlher that helshe has been added as a garnishee and is enjoined as above stated. Amount Due $67,086.30 L. L. $.50 Interest FROM 911105 TO 12/7/05 @ $20.72 PER DIEM = $2,030.56 Atty's Comm % Due Prothy $1.00 Alty Paid $137.84 Other Costs Plaintiff Paid Date: SEPTEMBER 2, 2005 c~ CURTIS . ONG (Seal) Prothonotary ~ d'!y: . Deputy --- REQUESTING PARTY: Name MARK J. UDREN, ESQ. Address: WOODCREST CORPORATE CENTER III WOODCREST ROAD, STE. 200 CHERRY HILL NJ 08002-3620 Attorney for: PLAINTIFF Telephone: (856) 669-5400 Supreme Court ID No. 04302 Real Estate Sale #62 On September 12,2005 the Sherifflevied upon the defendant's interest in the real property situated in North Newton Township, Cumberland County, PA Known and numbered as 1827 Ritner Highway, Shippensburg, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: September 12, 2005 By:JO (i 1 j ,hl'Uft7 Real Est;t1 Sergeant ~ ~ ~ . THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} ss Joseph A. Dennison, being duly sworn according to law, deposes and says: That he is the Assistant Controller of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The Patriot- News and The Sunday Patriot-News newspapers of general circulation, printed and published at 812 to 818 Market Street, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively. and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily andlor Sunday/ Metro editions which appeared in the 25th day(s) of October and the 1st and 8th day(s) of November 2005. That neither he nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That he has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify thiS statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book "M", Volume 14, Page 317. PUBLICATION COPY f NOTARIAl SEAL Terry l. Russell. Nolory Public City of Harr burg. Dauphin County My Commio . on Ex' June 6, 2006 ~ M.mb",P., ~n' .oci.HonoINoI.,i.. j~~Y:UBL~~~ My commission expires June 6, 2006 , CUMBERLAND COUNTY SHERIFFS OFFICE CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA 17013 IlEAL ESTJiTlE SALE 110. 82 WrltNo.2006-:!2lIl! CIvIITenn IIorlglIge EIecIronIc ~_sr-ns.Jnc. v. . _ L Nenninger and Susan E.liIlInnlnger Ally: IIIIrk u-. DESCRIPTTON ALL THAT CElIfAlN lot 01 ground with buildings erected tbere-on, situate in NOIth Newtoo TOWlISbip, Cumber\and County, Pennsylvania. bounded and described as follows: BEGINNING at a point at the center of the Ritner Highway (US. Route No. 11) comer of land formerly of Louise L. 'l'homas. now or formerly of Gladys SourbeeJ; tht:nce now or foonerlyaloogthelandolthesaidGhdys Sourbeer, North 45 degrees West, a distance of 283 feet 10 apointmarbd by an iron pin; thence aloog Jands _y ol Grissinger, _ or fODIlCl'ly of Koser, South 42 degR:es West, a _olIOl feet...poinllllllltedby aniroo piIl;'lheocebylands_yolFl<>yd._ot _y olK.....,South 27 degt<es 2495 feet to a point in the center of tbeaforesai.d Ritner Highway; Iheoce along the center ol the said Rilne< Highway. North 57 deJll'" 40 min"'" East,a_ 01 185ketto a poinl.lheplaceof BEGINNING. CONTAJNlNG 032 """,,more ot leaa. BEING KNOWN A.;; 1827 Rilne< \lighwny, Shippensburg. (North Newton Township). PA 17257. Pll.0PERI'Y ID lJO.11-llJ04.00 1. 1'l'It.E ro SAID PREMISES is ~ in Sreve L. Nenninger and _ E. NemtiDger, husband and wife, by Dotd!rom 1_ F. MY"', widow. datod 08123191 toeocdoI 09112191 m Dotd Book II3S Page 71l8. PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA ss. COUNTY OF CUMBERLAND Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, VIZ: October 14, 21, 28, 2005 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. .:- v ~ TO AND SUBSCRIBED before me this 28 day of October. 2005 ~-~~)N~ ..~~A) I '0' 'f,'p1rq '':.:C,I 1 1'0 :-\, ",',._. .Jl,.fi:~ ,; ! L.OfS F. Si'!V:jf:>1, NDlan! r") , .. ! . .~ C 'j(~i:;:':) 8,H-,:., ,~;':'~'!bt,dan{j .:>;;'r;,,;'':~,;-:,,': ~\i' Y'._' REAL ESTATE SALE NO. 62 Writ No. 2005-2286 Civil Mortgage Electronic Registration Systems, Inc. VS. Steve L. Nenninger and Susan E. Nenninger Atty.: Mark Udren ALL that certain lot of ground with buildings erected thereon. situate in North Newton Township, Cum- berland County, Pennsylvania, bounded and described as follows: BEGINNING at a point at the cen- ter of the Ritner Highway (U.S. Route No. 11) corner of land for- merly of Louise L. Thomas. now or formerly of Gladys Sourbeer: thence now or formerly along the land of the said Gladys Sourbeer. North 45 degrees West. a distance of 283 feet to a point marked by an iron pin; thence along lands formerly of Gris- singer, now or formerly of Koser, South 42 1/4 degrees West. a dis- tance of 101 feet to a point marked by an iron pin; thence by lands for- merly of Floyd, now or formerly of Koser, South 27 degrees 249.5 feet to a point in the center of the afore- said Ritner Highway: thence along the center of the said Ritner High- way, North 57 degrees 40 minutes East, a distance of 185 feet to a point, the place of BEGINNING. CONTAlNING 0.82 acres. more or less. BEING KNOWN AS: 1827 RIT~ NER HIGHWAY. SHIPPENSBURG. NORTH NEWTON TOWNSHIP) PA 17257. PROPERTY ID NO.: 30~ 1l~0304~ 001. TITLE TO SAID PREMISES IS VESTED IN STEVE L. NENNINGER AND SUSAN E NENNINGER. HUS~ BAND AND WIFE BY DEED FROM JANET F. MYERS. WIDOW DATED 08/23/91 RECORDED 09/12/91 IN DEED BOOK H35 PAGE 708.