HomeMy WebLinkAbout05-3724
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.
601 Penn Street
Reading, PA 19601
Plaintiff
ATTORNEY FOR PLAINTIFF
COURT OF COMMON PLEAS
CIVIL DIVISION
Cumberland County
v.
Karen A. Gallagher
5401 Oxford Drive #3
Mechanicsburg, PA 17055
Defendant(s)
NO. 0 S- - 3 '{ ;( Y
CI~iL ~82....~
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 action
within twenty (20) days after this Complaint and Notice are served,
by entering a written appearance personally or by attorney and
filing in writing with the Court your defenses or objections to the
claims set forth against you. You are warned that if you fail to
do so the case may proceed without you and a judgment may be
entered against you by the Court without further notice for any
money claimed in the Complaint or for any other claim or relief
requested by the Plaintiff. You may lose money or property or
other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW, THIS
OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER, IF
YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO
PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE,
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 defenderse
de estas demandas expuestas en las paginas siguientes, usted tiene
veinte (20) dias de plazo al partir de la fecha de la demanda y la
notificacion. Race falta ascentar una comparencia escrita 0 en
persona 0 con un abogado y entregar a la corte en forma escrita sus
defensas 0 sus objeciones alas demandas en contra de su persona.
Sea avisado que si usted no se dafiende, la corte tomara medidas y
puede continuar la demanda en contra suya sin previo aviso 0
notificacion. Ademas, la corte puede decidir a favor del
demandante y requiere que usted cumpla con todas las provisiones de
esta demanda. Usted puede perder dinero 0 sus propiedades u otros
derechos importantes para usted.
LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE, SI NO TIENE ABOGADO
o SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN
PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE
ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR
ASISTENCIA LEGAL,
ASOCIACION DE LICENCIADOS DE FILADELFIA
SERVICIO DE REFERENCIA E INFORMACION LEGAL
ONE READING CENTER, 11TH FLOOR
FILADELFIA, PA 19107
TELEFONO: 215-238-6300
Cumberland County Bar Association
2 Liberty A venue
Carlisle, PA 17013
717-249-3166
800-990-9108
NOTICE
The amount of your debt is as stated in the attached document, The name of the creditor
to whom the debt is owed is as named in the attached document, Unless you notify us within
30 days after receipt of this Notice and the attached document that the validity of the stated
debt, or any portion of it, is disputed, we will assume that the debt is valid, If you do notify
us in writing of a dispute within the 30 day period, we will obtain verification of the debt or
a copy of a judgment against you, and mail it to you, If you do not dispute the debt, it is not
an admission of liability on your part. Also, upon your written request within the 30 day
period, we will provide you with the name and address of the original creditor if different from
the current creditor,
If you notify us in writing within the 30 day period as stated above, we will cease collection
of your debt, or any disputed portion of it, until we obtain the information that is required
and mail it to you, Once we have mailed to you the required information, we will then
continue the collection of your debt,
This law firm is deemed to be a debt collector and this Notice and the attached document is
an attempt to collect a debt, and any information obtained will be used for that purpose,
UDREN LAW OFFICES, P,C,
Is/ 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 in the
caption on a preceding page. If Plaintiff is an assignee then it
is such by virtue of the following recorded assignments:
Assignor: N/A
Assignments of Record to: N/A
Recording Date: N/A
2. Defendant(s) is the individual designated as such on the
caption on a preceding page, whose last known address is as 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 Mortgage
hereinafter described, at the instance and request of Defendant (s) ,
Plaintiff (or its predecessor, hereinafter called Plaintiff) loaned
to the Defendant (s) the sum appearing on said Mortgage, which
Mortgage was executed and delivered to Plaintiff as security for
the indebtedness. Said Mortgage is incorporated herein by
reference in accordance with Pa.R.C.P. 1019 (g).
The information regarding the Mortgage being foreclosed is as
follows:
MORTGAGED PREMISES: 5401 Oxford Drive #3
MUNICIPALITY/TOWNSHIP/BOROUGH: Lower Allen Township
COUNTY: Cumberland
DATE EXECUTED: 11/21/03
DATE RECORDED: 12/09/03 BOOK: 1847 PAGE: 4159
The legal description of the mortgaged premises is attached hereto
and made part hereof.
4. Said Mortgage is in default because the required payments
have not been made as set forth below, and by its terms, upon
breach and failure to cure said breach after notice, all sums
secured by said Mortgage, together with other charges authorized by
said Mortgage itemized below, shall be immediately due.
5. After demand, the Defendant (s) continues to fail or
refuses to comply with the terms of the Mortgage as follows:
(a) by failing or refusing to pay the installments of
principal and interest when due in the amounts indicated
below;
(b) by failing or refusing to pay other charges, if any,
indicated below.
6. The following amounts are due on the said Mortgage as of
7/21/05:
Principal of debt due
Unpaid Interest at 6.25%
from 3/1/05
to 7/21/05
(the per diem interest accruing on
this debt is $14.86 and that sum
should be added each day after
7/21/05)
Title Report
Court Costs (anticipated, excluding
Sheriff's Sale costs)
Escrow Overdraft/(Balance)
(The monthly escrow on this account
is $117.61 and that sum should
be added on the first of each
month after 7/21/05)
$87,185.19
2,110.89
325.00
280.00
0.00
Late Charges
(monthly late charge of $27.24
should be added in accordance
with the terms of the note
each month after 7/21/05)
Unapplied Balance
Attorneys Fees (anticipated
to 5% of principal)
81.72
(107.48)
and actual
TOTAL
4,359.25
$94,234.57
7. The attorney's fee set forth above are in conformity with
the mortgage documents and Pennsylvania law, and will be collected
in the event of a third party purchaser at Sheriff's Sale. If the
mortgage is reinstated prior to the sale, reasonable attorney's
fees will be charged in accordance with the reduction provisions of
Act 6, if applicable.
8. The combined notice specified by the Pennsylvania
Homeowner's Emergency Mortgage Assistance Program, Act 91 of 1983
and Notice of Intention to Foreclose under Act 6 of 1974 has been
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 has not
been notified in a timely manner of Defendant(s) eligibility.
WHEREFORE, the Plaintiff demands judgment, in rem, against
the Defendant(s) herein in the sum of $94,234.57 plus interest,
costs and attorneys fees as more fully set forth in the Complaint,
and for foreclosure and sale of the Mortgaged premises.
uV
Mark Udren, ESQUIRE
UDREN LAW OFFICES, P.C.
Attorney for plaintiff
Attorney I.D. No. 04302
ALL THAT CERTAIN CaDdamini.mzI Unit situated. in Village of ~ IV. a COIltl""'''''nJ%''
(the 'CllDl1Dminhlm-" I.owl- .4Jlen Tovmahip, Cumber1lml CInu1tJ. ~ bei.ag
i1'"'1/I"''"tm as Unit No. 5401.03. iD the DecJsml;ioe of the Coadaminium. daiIed September 14,
1995, lecordc:d September 22. 1995, in Cumber18nt1 Ca\mtJ, l&-n....<eoWI Book 504. Page
636. aml the Dcc1araUoIl PIau of the eft.........;..;....,. dated April". 1995. ncordcc1 Septmlber
22. 1995, in ~lancl Coumy PW1 Book '10. P&p 133, WIder- the provIalaaa of tile Umr-
Condonri..lnVllV:t of the ('~-lIIll!alth ofP=uulylvama, .. amended IMID tIftlc to tlme, (Act
of ~ 22, 1980. P.L. 286. No. 82).
UNDER AND SUBJEct to OB..-..r....ts. CCIRQ&I1ta, reetrictilms. resezvatlODll aDd rip1Zl.~~
af record.
TOGETHER with all right, title ana intereSt in and to the enm........ Elcmmtl, all more fW4' set
fmth in the afDreaaid Dc:daration of the Ccmdolllilli\ull, md Declaration PW1s. All ~
from time to time,
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
Date of Notice: June 6, 2005
KAREN A GALLAGHER
5401 OXFORD DRIVE #3
MECHANICSBURG PA 17055
Loan # 0356112746
This is an official notice that the mortgage on vour home is in default, and the lender intends to
foreclose. Specific information about the nature ofthe default is provided in the attached pages,
The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (REMAP) may be able to help to
save vour home. This Notice explains how the program works.
To see if HEMAP can help, vou must MEET WITH A CONSUMER CREDIT COUNSELING
AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when
vou meet with the Counseling Agencv.
The name, address and phone number of Consumer Credit Counseling Agencies serving vour
County are listed at the end of this Notice. If you have any Questions. YOU may call the Pennsvlvania
Housing Finance Agencv toll free at 1-800-342-2397.!Persons with impaired hearing can call (717)
780-1869),
This Notice contains important legal information. Ifvou have any Questions, representatives at the
Consumer Credit Counseling Al!encv may be able to help explain it. You mav also want to contact
an attornev in your area. The local bar association mav be able to help yoU find a lawver.
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU
DERECHO A CONTINUAR VIVlENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO
DE ESTA NOTlFICACION OBTENGA UNA TRADUCCION INMEDlTAMENTE LLAMANDO
ESTA AGENCIA (PENNSYL VANIA HOUSING FINANCE AGENCY) SIN CARGOS AL
NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR
EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE
PROGRAM" EL CUAL PUEDE SAL V AR SU CASA DE LA PERDIDA DEL DERECHO A
REDIMffi SU HIPOTECA.
HOMEOWNER'S NAME(S):
PROPERTY ADDRESS:
KAREN A GALLAGHER
5401 OXFORD DRNE #3
MECHANICSBURG PA 17055
LOAN ACCT. NO.:
0356112746
CURRENT LENDERfSERVICER: Sovereign Bank
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGffiLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE ACT OF 1983 (THE "ACT"), YOU 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
YOUR MORTGAGE PAYMENTS, AND
. IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED
BY THE PENNSYL VANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary stay of foreclosure
on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a
"face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS
MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY
MORTGAGE ASSISTANCE. YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS
NOTICE CALLED"HOW TO CURE YOUR MORTGAGE DEFAULT". EXPLAINS HOW TO BRING YOUR
MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING 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 teleohone numbers of desienated consumer credit counselimr
a2:encies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to
schedule one face-ta-face meeting. Advise your lender immediately of your intentions.
APPLICATION FOR MORTGAGE-ASSISTANCE -- Your mortgage is in default for the reasons set forth later
in this Notice (see following pages for specific information about the nature of your default.) If you have tried and
are unable to resolve this problem with the lender, you have the right to apply for [mancial assistance from the
Homeovmer's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed
Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling
-agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the
program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency.
Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting.
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT
FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY
PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE
ASSISTANCE WILL BE DENIED.
AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed
by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has
sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings
will be pursued against you if you have met the time requirements set forth above. You will be notified directly by
the PelU1sylvania Housing Finance Agency of its decision on your application.
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE
FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE
CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT.
(If you bave filed bankruptcy you can still apply for Emergency Mortgage Assistance.)
HOW TO CURE YOUR MORTGAGE DEFAULT (Brin!!: it UP to date),
NATURE OF THE DEFAULT --The MORTGAGE held by Sovereign Bank (hereinafter we, us, or ours) on your
property located at 5401 OXFORD DRIVE #3, MECHANICSBURG PA 17055, IS SERIOUSLY IN
DEFAULT because YOU HAVE NOT MADE THE MONTHLY PAYMENTS of $662.52 since 04/01105 to the
present. The total amount now required to cure this default, or in other words, get caught up in your payments, as of
the date of this letter, is $1907.32. The total amount includes late charges and any other charges that have accrued
to this date. If you disagree with the assertion that a default has occurred or the correctness of the calculated amount
required to cure the default, contact:
SOVEREIGN BANK
MORTGAGE COLLECTIONS DEPARTMENT
PO BOX 8627
READING PA 19603
1-800-753-7366
HOW TO CURE THE DEFAULT -You may cure the default within THIRTY (30) DAYS of the date of this
notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $1907.32, PLUS
ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30)
DAY PERIOD. Pavments must be made either by cash. cashier's check. certified check or monev order made
pavable to Sovereien Bank and sent to the above address.
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 ril!hts to accelerate the mort2:31!e debt. This means that the
entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the
mortgage in montWy installments. If full payment of the total amount past due is not made within THIRTY (30)
DAYS,. the lender also intends to instruct its attorneys to start legal action to foreclose UDon Your mort23l!ed
oronertv.
IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff 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 attorney's fees that were
actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all
reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be
added to the amount you owe the lender, which may also include other reasonable costs. If YOU cure the default
within the THIRTY (301 DAY neriod. YOU will not be required to nay attorney's fees.
"OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all
other sums due under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within
the THIRTY (30) DAY period and foreclosure proceedings haye begun, YOU still have the rieht to cure the default
and prevent the sale at any time UP to one hour before the Sheriff's Sale. You mav do so bv pavine the total amount
then past due. plus anv late or other charees then due. reasonable attornev's fees and costs connected with the
foreclosure sale and any other costs connected with the Sheriff's Sale as specified in writine by the lender and by
oerformine any other reauirements under the mortl:!a2:e. Curing your default in the manner set forth in this
notice will restore your mortgage to the same position as if you had never defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriff's Sale
of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A
notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to
cure the default will increase the longer you wait. You may find out at any time exactly what the required payment
or action will be by contacting the lender.
HOW TO CONTACT THE LENDER:
Name of Lender:
SOVEREIGN BANK
Phone Numher:
PO BOX 8627, READING PA 19603
1-800-753-7366
Address:
Fax Number:
1-800-881-9334
Contact Person:
Constance M. Cocroft, Vice President
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 contiuue to live in the property after the Sheriffs Sale, a
lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time.
ASSUMPTION OF MORTGAGE - You may have the right to sell or transfer your home to a buyer or transferee
who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and
costs are paid prior to or at the sale and that the other requirements 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 THIS DEBT.
TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS 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 LA WSillT 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.
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (SEE ENCLOSURE)
You may contact our Mortgage Services Department via E-mail at:
MORTSER V@SOVEREIGNBANK.COM
This bank is a debt collector attempting to collect a debt and any information obtained from you will be used for that
purpose.
HOUSING AND URBAN DEVELOPMENT ("HUD") NOTIFICATION
IMPORTANT NOTICE OF THE HOUSING AND COMMUNITY DEVELOPMENT ACT OF 1987
PLEASE READ THIS NOTICE. HOMEOWNERSHIP COUNSELING MAY BE AVAILABLE TO YOU.
DATE:
June 6, 2005
TO:
KAREN A GALLAGHER
RE:
Account No. 0356112746
FROM:
Sovereign Bank
The Housing and Community Development Act of 1987 requires that Sovereign Bank notify eligible homeowners with delinquent
home loans of the availability of homeowners hip counseling. Because your home loan is DELINQUENT, you may be eligible for
homeownership counseling provided by certain non-profit organizations.
PLEASE CALL THE HUn TOLL FREE NUMBER AT
1-800-569-4287
FOR MORE INFORMATION.
If you haye any questions about your home loan you may call or write to Sovereign Bank at:
MORTGAGE COLLECTIONS DEPARTMENT
SOVEREIGN BANK
PO BOX 8627
READING PA 19603
1-800-753-7366
Constance M. Cocroft
Vice President
PENNSYL VANIA HOUSING FINANCE AGENCY
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
CONSUMER CREDIT COUNSELING AGENCIES
ADAMS COUNTY
American Red Cross - Hanover Chapter
529 Carlisle Street
Hanover, P A 17331
717-637-3768
FAX 717-637-3294
Financial Counseling Services of Franklin
31 West 3" Street
Waynesbora, P A 17268
717-762-3285
cecs of Western PA
2000 Linglestown Road
Harrisburg, PA 17102
717-541-1757
717-541-4670
Adams County Housing Authority
139-143 Carlisle Street
Gettysburg, P A 17325
717-334-1518, FAX 717-334-8326
ALLEGHENY COUNTY
Pennsylvania Housing Finance Agency
2275 Swallow Hill Road, Bldg. 200
Pittsburgh, P A 15220
412-429-2842, FAX 412-429-2835
Action Housing Inc.
425 6th Avenue, Suite 950
Pittsburgh, P A 15219
412-391-1956,412-281-2102,
800-792-2801, FAX 412-391-4512
eees of Western PA, Inc.
309 Smithfield Street
Pittsburgh, P A 15222
412-471-7584
Urban League of Pittsburgh
Bldg. for Equal Opportunity
One Smithfield Street
Pittsburgh, P A 15222
412-227-4802, FAX 412-261-5207
Mon- Valley Unemployed Committee
120 E. 9th Avenue
Homestead, P A 15120
412-462-9962
Credit Counselors ofPA
401 Wood Street, Suite 906
Pittsburgh, P A 15222
412-338-9954, 800-737-2933
FAX 412-338-9963
Community Action Southwest
22 West High Street
Waynesburg, PA 15370
724-852-2893
Housing Opportunities
133 Seventh Street, PO Box 9
McKeesport, PA 15132
412-664-1906
FAX 412-664-0873
ARMSTRONG COUNTY
eecs of Western P A, Inc.
217 East Plank Road
Altoona, P A 16602
814-944-8100,814-944-5747
Credit Counselors ofPA
40 I Wood Street Suite 906
Pittsburgh, PA 15222
412-338-9954, 800-737-2933
FAX 412-338-9963
Indiana Co. Community Action Program
827 Water Street, Box 187
Indiana, PA 15701
724-465-2657
FAX 724-465-5118
BEAVER COUNTY
Action Housing, Inc.
425 6th Avenue, Suite 950
Pittsburgh, PA 15219
412-391-1956
FAX 412-391-4512
Housing Opportunities of Beaver Co, Inc.
650 Corporation Street, Suite 207
Beaver, PA 15009
724-728-7511
Credit Counselors ofPA
401 Wood Street, Suite 906
Pittsburgh, PA 15222
412-338-9954,800-737-2933
FAX 412-338-9963
cees of Western P A, Inc.
971 3" Street
Beaver, P A 15009
724-774-0798
Mon- Valley Unemployed Committee
120 E. 9th Avenue
Homestead, PA 15120
412-462-9964, 412-462-9962
Housing Opportunities, Inc.
133 7"' Street, PO Box 9
McKeesport, PA 15134
412-664-1906 FAX 412-664-0873
BEDFORD COUNTY
Bedford~Fulton Housing Services
10241 Lincoln Highway
Everett, P A 15537
814-623-9129 FAX 814-623-7187
Keystone Economic Development Corp.
1954 Mary Grace Lane
Johnstown, P A 1590 I
814-535-6556
FAX 814-539-1688
Weatherization Office
917 Mifflin Street
Huntingdon, P A 16652
814-643-2343
eccs of Western P A, Inc.
217 E. Plank Road
Altoona, PA 16602
814-944-8100
FAX 814-944-5747
Tableland Services, Inc.
535 East Main Street
Somerset, PA 15501
814-445-9628,800-452-0148
FAX 814-443-3690
BERKS COUNTY
Budget Counseling Center
247 North Fifth Street
Reading, P A 1960 I
610-375-7866
FAX 610-375-7830
EOC of Schuylkill County
225 N. Centre Street
Pottsville, PA 17901
717-622-1995
FAX 717-622-0429
CCCS Lehigh Valley
3671 Crescent Court East
Whitehall, P A 18052
610-821-4011,800-220-2733 (814) only
FAX 610-821-8932
Community Housing Counselors, Inc.
PO Box 244
Kennett Square, P A 19348
610-444-3682
FAX 610-444-8243
BLAIR COUNTY
Bedford-Fulton Housing Services
RD I Box 384
Everett, PA 15537
814-623-9129
FAX 814-623-7187
eccs of Western PA, Inc.
217 East Plank Road
A1toona, P A 16602
814-944-8100,814-944-5747
Keystone Economic Development Corp.
1954 Mary Grace Lane
Johnstown, PA 15901
814-535-6556
FAX 814-539-1688
Weatherization Office
917 Mifflin Street
Huntingdon, P A 16652
814-643-2343
CARRON COUNTY
EOC of Schuylkill County
225 North Center Street
Pottsville, P A 17901
570-622-1995
FAX 570-622-0429
CCCS of Lehigh Valley
3671 Crescent Court East
Whitehall, P A 18052
610-821-4011,800-220-2733
717 and 814 only for 800
FAX 610-821-0137
CCCS of Northeastern P A
1400 Abington Executive Park, Suite 1
Clarks Summitt, P A 18411
570-587-9163,800-922-9537
FAX 570-587-9134/9135
CCCS of Northeastern P A
31 W Market Street
Wilkes-Barre, P A 18702
570-821-0837,800-922-9537
FAX 570-821-1785
CCCS of Northeastern P A
9 South 7m Street
Stroudsburg, P A 18360
570-420-8980,800-922-9537
FAX 570-420-8981
CCCS of Northeastern P A
1631 S Atherton Street, Suite 100
State College, P A 16801
814-238-3668
FAX 814-238-3669
CEO of Luzeme County
163 Amber Lane
Wilkes-Barre, PA 18702
570-826-0510,800-822-0359
FAX 570-829-1665 - CALL FIRST
570-455-4994 Hazleton
FAX 570-455-5631 - CALLFIRST
570-836-4090 Tunkhannock
CENTRE COUNTY
CCCS ot: Western P A, Inc.
217 East Plank Road
Altoona, P A 16602
814-944-8100
FAX 814-944-5747
Lycoming-Clinton Co STEP
2138 Lincoln Street, PO Box 1328
Williamsport, P A 17703
570-326-0587
FAX 570-322-2197
CCCS of Northeastern PA
1631 S Atherton Street, Suite 100
State College, P A 16801
814-238-3668
FAX 814-238-3669
eccs of Northeastern PA
201 Basis Street
Williamsport, P A 17703
570-323-6627
FAX 570-.\23-6626
CHESTER COUNTY
Acorn Housing Corporation
846 North Broad Street
Philadelphia, PA 19130
215-765-1221
FAX 215-765-1427
Budget Counseling Center
247 North Fifth Street
Reading, P A 19601
610-375-7866
FAX 215-375-7830
HACE
167 W. Allegheny Avenue, 2"" Floor
Philadelphia, PAl 9140
215-426-S025
FAX 215-426-9122
Media Fellowship House
302 S. Jackson Street
Media, P A 19063
610-565-0846
FAX 610-565-8567
Tabor Community Services, Inc.
439 East King Street
Lancaster, P A 17602
717-397-5182,800-788-5062 (H. O. only)
FAX 717-399-4127
American Red Cross of Chester
1729 Edgemont Avenue
Chester, PA 19013
610-874-1484
Northwest Counseling Services
5001 N. Broad Street
Philadelphia, P A 19141
215-324-7500
FAX 215-324-S753
CCCS of Delaware Valley
1515 Market Stree~ Suite 1325
Philadelphia, P A 19107
215-563-5665
FAX 215-563-7020
Community Housing Counseling Inc.
PO Box 244
Kennett Square, P A 19348
610-444-3682
FAX 610-444-8243
Philadelphia Council for Community Adv.
100 North 17m Street, Suite 600
Philadelphia, PA 19103
215-567-7803
FAX 215-963-9941
CDC of Frankford Group Ministty
4620 Griscom Street
Philadelphia, PA 19124
215-744-2990
FAX 215-744-2012
CCCS of Delaware Valley
Marshall Building
790 E Market Street, Suite 215
West Chester, P A 19382
215-563-5665
American eel
845 Coates Street
Coatesville, P A 19320
888-212-6741
American eel
144 E Dekalb Pike
King of Prnssia, P A 19406
610-971-2210
FAX 610-265-4814
American CCI
755 York Road, Suite 103
Wanninster, PA 18974
215-444-9429
FAX 215-956-6344
CLARION COUNTY
eccs of West em Pennsylvania, Inc.
YMCA Buildiog, 339 N Washington Street
Butler, PA 16001
412-282-7812
CLEARFIELD COUNTY
Keystone Economic Development Corp.
1954 Mary Grace Lane
Johnstown, PA 15901
814-535-6556
FAX 814-539-1688
Indiana Co. CAP
827 Water Street, Box 187
lodiana, PA 15701
724-465-2657
FAX 724-465-51 18
cecs of Western PA, Inc.
217 E Plank Road
Altoona, P A 16602
814-944-8100
FAX 814-944-5747
cecs ofNortheasternPA
1631 S Atherton Street, Suite 100
State College, PA 16801
814-238-3668
FAX 814-238-3669
cecs of Western PA
219-A College Park Plaza
Johnstown, PA 15904
814-539-6335
CLINTON COUNTY
Lycoming-Clinton Counties STEP
2138 Lincoln Street, PO Box 1328
Williamsport, P A 17703
570-326-0587
FAX 570-322-2197
cecs of Northeastern P A
201 Basin Street
Williamsport, P A 17703
570-323-6627
FAX 570-323-6626
1631 S Atherton Street, Suite 100
StateCollege,PA 16801
814-238-3668
FAX 814-238-3669
FAYEITE COUNTY
Action Housing Inc.
425 6th Avenue, Suite 950
Pittsburgh, PA 15219
412-391-1956,412-281-2102
FAX 412-391-4512
Mon V al1~ Unemployed Committee
120 East 9 Avenue
Homestead, P A 15120
412-462-9962
Tableland Services, Joe
131 North Center Avenue
Somerset, Pa 15501
814-445-9628
FAX 814-443-3690
CCCS of Western PA, Ine
1 North Gate Square
2 Garden Center Drive
Greensburg, P A 15601
724-838-1290
Community Action Southwest
22 West High Street
Waynesburg, P A 15370
724-852-2893
Fayette Co Community Action Agency
137 North Beeson Avenue
Uniontown, P A 1540 I
724-437"6050,800-427-INFO
FAX 724-437-4418
CCCS of Western P A
199 Edison Street
Uniontown, Pa 15401
724-439-8939
FOREST COUNTY
W arren-F orest CEoe
204 Liberty Street, PO Box 547
Warren, PA 16365
814-726-2400
FAX 814-723-0510
FRANKLIN COUNTY
Adams County Housing Authority
139-143 Carlisle Street
Gettysburg, P A 17325
717-334-1518
FAX 717-334-8326
CCCS of Western PA
2000 Linglestown Road
Harrisburg, P A 17102
717-541-1757
FAX 717-541-4670
Urban League of Metropolitan Ramsburg
2107 N 6th Street
Harrisburg, P A 1710 1
717-234-5925
FAX 717-234-9459
CAe of the Capital Region
1514 Derry Street
Harrisburg, P A 17104
717-232-9757
FAX 717-234-2227
Financial Services Unlimited
31 West 3" Street
Waynesboro, P A 17268
717-762-3285
CCCS of Western P A, Inc.
912 South George Street
York, PA 17403
717-846-4176
YWCA of Carlisle
301 G Street
Carlisle, PA 17013
717-243-3818
FAX 717-243-3948
American Red Cross-Hanover Chapter
529 Carlisle Street
Hanover, P A 17331
717-637-3768
FAX 717-637-3294
FULTON COUNTY
Bedford-Fulton Housing Services
RD 1, Box 384
Everett, P A 15537
814-623-9129
FAX 814-323-7187
CCCS of Western PA, Inc.
912 South George Street
York,PA 17403
717-846-4176
Financial Counseling Services of Franklin
31 West 3" Street
Waynesboro, PA 17268
717-762-3285
Weatherization Office
917 Mifflin Street
Huntingdon, P A 16652
814-643-2343
GREENE COUNTY
Action Housing, Inc.
4256" Avenue, Suite 950
Pittsburgh, P A 15219
412-391-1956,412-281-2102
FAX 412-391-4512
Community Action Southwest
22 West High Street
Waynesburg, PA 15370
724-852-2893
FAX 724-627-7713
Mon- Valley Unemployed Committee
120 East 9th Avenue
Homestead, P A 15120
412-462-9962
FAX 412-462-9964
CCCS of Western PA, Inc.
1 North Gate Square
2 Garden Center Drive
Greensburg, PA 15601
724-838-1290
HUNTINGDON COUNTY
Bedford-Fulton Housing Services
RDl, Box 384
Everett, PA 15537
814-623-9129
FAX 814-623-7187
Weatherization Office
917 Mifflin Street
Huntingdon, P A 16652
814-643-2343
CCCS of Western PA, Inc.
217 E. Plank Road .
Altoona, PA 16602
814-944-8100
FAX 814-944-5747
INDIANA COUNTY
CCCS OFWestern P A, Inc.
1 North Gate Square
2 Garden Center Drive
Greensbnrg, P A 15601
724-838-1290
Keystone Economic Development Corp.
1954 Mary Grace Lane
Johnstown, PA 15901
814-535-6556
FAX 814-539-1688
Indiana County CAP
827 Water Street, PO Box 187
Indiana, P A 15701
724-465-2657
FAX 724-465-5118
CCCS of Western P A
219-A College Park Plaza
Johnstown, PA 15904
814-539-6335
JEFFERSON COUNTY
John F. Kennedy Center, Inc.
2021 East 20" Street
Erie, PA 16510
814-898-0400
FAX 814-898-1243
Indiana County CAP
827 Water Street, Box 187
Indiana, P A 15701
724-465-2657
FAX 724-465-5118
CCCS of Western PA, Inc.
YMCA Building, 339 North Washington Street
Butler, PA 16001
724-282-7812
JUNIATA COUNTY
CCCS of West em PA, Inc.
217 E. Plank Road
Altoona, P A 16602
814-944-8100
FAX 814-944-5747
Weatherization Office
917 Mifflin Street
Huntingdon, P A 16652
814-643-2343
'Northwest Counseling Service
5001 N. Broad Street
Philadelphia, PA 19141
215-324-7500
FAX 215-324-8753
Community Action Development Comm
113 East Main Street
Nonistown, PA 19401
61lJ..277-6363
FAX 610-277-2123
Community Housing Counselors Inc.
PO Box 244
Kennett Square, P A 19348
215-444-3682
FAX 215-444-8243
Media Fellowship House
302 S. Jackson Street
Media, PA 19063
610-565-0846
FAX 610-565-8567
American Credit Counseling Instihlte
845 Coates Street
Coatesville, P A 19320
888-212-6741
Phila. Council For Community Advrnnt
100 North 17" Street Suite 600
Philadelphia, P A 19103
215-567-7803
FAX 215-963-9941
American Credit Counseling Institute
144 E Deka1b Pike
King of Prussia, P A 19406
610-971-2210
FAX 610-265-4814
American Credit Counseling Institute
755 York Road, Suite 103
Warminster, P A 18974
215-444-9429
FAX 215-956-6344
MONTOUR COUNTY
CCCS o~Northeastern P A
31 W. Market Street, PO Box 1127
Wilkes-Barre, PA 18702
570- 821,0837, 800-922-9537
FAX 570-821-1785
CCCS of Northeast em P A
1400 Abington Executive Park, Suite I
Clarks Summitt, PA 18411
570-587-9163,800-922-9537
FAX 570-587-9134/9135
NORTHHAMPTON COUNTY
CCCS of Lehigh Valley
3671 Crescent Court East
Whitehall, P A 18052
610-821-4011
800-220-2733 (717) and (814) ONLY
FAX 610-821-8932
NORTHUMBERLAND
CCCS of Northeastern P A
31 W Market Street, PO Box 1127
Wilkes-Barre, P A 18702
570-821-0837, 800-922-9537
FAX 570-821-1785
CCCS of Northeastern P A
1400 Abington Executive Park, Suite I
C1arks Summitt, P A 18411
570-587-9163,800-922-9537
FAX 570-587-9134/9135
CCCS of Northeastern P A
201 Basin Street
Williamsport, P A 17703
570-323-6627
FAX 570-323-6626
EOC of Schuylkill County
225 North Centre Street
Pottsville, PA 17901
570-622-1995
FAX 570-622-0429
PERRY COUNTY
CCCS of Western P A, Inc.
2000 Linglestown Road
Harrisburg, P A 17102
717-541-1757
FAX 717-541-4670
Urban league afMetro Harrisburg
2107 North 61h Street
Harrisburg,PA 17101
717-234-5925
FAX 717-234-9459
YWCA of Carlisle
30 I G Street
Carlisle, PA 17013
717-243-3818
FAX 717-243-3948
Financial Counseling Services of Franklin
31 West 3" Street
Wayneshoro, PA 17268
717-762-3285
Weatherization Office
917 Mifflin Street
Huntingdon, P A 16652
814-643-2343
CAC ofthe Capital Region
1514 Deny Street
Harrisburg, P A 17104
717-232-9757
FAX 717-234-2227
PHILADELPHIA COUNTY
Acorn Housing Corporation
846 North Broad Street
Philadelphia, PA 19130
215-765-1221
FAX 215-765-1427
Northwest Counseling Service
5001 N Broad Street
Philadelphia, PA 19141
215-324-7500
FAX 215-324-8753
CCCS of Delaware Valley
1515 Market Street, Suite 1325
Philadelphia, P A 19107
215-563-5665
FAX 215-864-2666
HACE
167 W Allegheny, 20' floor
Philadelphia, P A 19140
215-426-8025
FAX 215-426-9122
Media Fellowship House
302 S Jackson Street
Media., PA 19063
610-565-0846
FAX 610-565-8567
PCCA
100 N 17" Street, Suite 600
Philadelphia, PA 19103
215-567-7803
FAX 215-963-9941
CCCS of DelawareValley
One Cherry Hill, Suite 215
Cherry Hill, NJ 08002
215-563-5665
Housing Assoc. of Delaware Valley
1500 Walnut Street, Suite 601
Philadelphia, P A 19102
215-545-6010
FAX 215-790-9132
Housing Assoc. of Delaware Valley
658 North Watts Street
Philadelphia, PA 19123
215-978-0224
FAX 215-765-7614
Community Devel. Corp ofFrankford
Group Ministry
4620 Griscom Street
Philadelphia, P A 19124
215-744-2990
FAX 215-744-2012
American Credit Counseling Institute
845 Coates Street
Coatesville, P A 19320
888-212-6741
American Credit Counseling Instihlte
144 E Dekalb Pike
King of Prussia, P A 19406
610-971-2210
FAX 610-265-4814
American Credit Counseling Institute
755 York Road, suite 103
Warminster, P A 18974
215-444-9429
FAX 215-956-6344
'17 Crafton Street
Wellsboro, PA 16901
570-724-5252
FAX 570-724-5783
103 Warren Street, PO Box 709
Tunkhannock, P A 18657
570-836-6840
FAX 570-836-6332
German Street, PO Box 389
Dushore, PA 18614
570-928-9668
FAX 570-928-8144
931 Main Street
Honesdale, P A 18431
570-253-8941
FAX 570-253-4817
7 Lake Avenue, Box 339
Montrose, PA 18801
570-278-3338, 800-982-4045
FAX 570-278-1889
UNION COUNTY
Lycoming-Clinton County STEP
2138 Lincoln Stree~ PO Box 1328
Williamsport, P A 17703
570-326-0587
FAX 570-322-2197
eces of Western Pennsylvania, Inc.
217 East Plank Road
Altoona, P A 16602
814-944-8100
FAX 814-944-5747
eces of Northeastern Pennsvlvania
31 W. Market Street, PO Box 1127
Wilkes-Barre, P A 18702
570-821-0837,800-922-9537
FAX 570-821-1785
1400 Abington Executive Park, Suite I
Clarks Summitt, P A 18411
570-587-9163,800-922-9537
FAX 57G-587-9134/9135
201 Basin Street
Williamsport, P A 17703
570-323-6627
FAX 570-323-6626
VENANGO COUNTY
Greater Erie Community Action Committee
18 West 9th Street
Erie, PA 16501
814-459-4581
FAX 814-456-0161
eces of Western Pennsylvania, Inc.
339 N. Washington Street, YMCA Bldg.
Butler, PA 16001
412-282-7812
John F. Kennedy Center, Inc.
2021 East 20'" Street
Erie, PA 16510
814-898-0400, FAX 814-898-1243
WARREN COUNTY
Booker T. Washington Center
1720 Holland Street
Erie, P A 16503
814-453-5744
FAX 814-453-5749
Greater Erie CAe
18 West 9'" Street
Erie, PA 16501
814-459-4581
FAX 814-456-0161
Warren-Forrest Counties EOe
1209 Pennsylvania Avenue, West
PO Box 547
Warreu, P A 16365
814-726-2400
FAX 814-723-0510
WASHINGTON COUNTY
Action Housing, Inc.
4256'" Aveuue, Suite 950
Pittsburgh, PA 15219
412-391-1956,412-281-2102
FAX 412-391-4512
CCCS of Western P A, Inc.
1 North Gate Square
2 Garden Center Drive
Greeusburg, PA 15601
724-838-1290
Housing Opportunities, Inc.
133 Seventh Street
McKeesport, PA 15132
412-664-1590
FAX 412-664-0873
Credit Counselors ofPA
401 Wood Street, Suite 906
Pittsburgh, P A 15222
412-338-9954, 800-737-2933
FAX 412-338-9963
Community Action Southwest
22 West High Street
Waynesburg, PA 15370
724-852-2893
53 N. College Street
Washington, PA 15301
724-222-8292
Mon- Valley Unemployed Committee
120 East 9th Avenue
Homestead, P A 15120
412-462-9962
FAX 412-462-9964
WAYNE COUNTY
CCCS of Northeast em PA
1400 Abington Executive Park, Suite I
C1arks Summitt, P A 18411
570-587-9163,800-922-9537
FAX 570-587-9134/9135
9 South 7tb Street
Stroudsburg, P A 18360
570-420-8980, FAX 570-420-8981
31 West Market Street
Wilkes-Barre, PA 18702
570-821-0837,800-922-9537
FAX 570-821-1785
The Trehab ofNE P A
185 Elmira Street, PO Box 218
Troy, P A 16947
570-297-2101
FAX 570-297-2799
17 Crafton Street
Wellsboro, P A 1690 I
570-724-5252
FAX 570-724-5783
103 Warreu Street, PO Box 709
Tunkhannock, P A 18657
570-836-6840
FAX 570-836-6332
German Street, PO Box 389
Dushore, P A 18614
570-928-966S
FAX 570-928-8144
931 Main Street
Honesda1e, P A 18431
570-253-8941
FAX 570-253-4817
WESTMORELAND COUNTY
Action Housing, Inc.
425 6th Avenue, Suite 950
Pittsburgh,PA 15219
412-391-1956,412-281-2102
Community Action Southwest
22 West High Street
Waynesburg, P A 15370
724-852-2893
CCCS of Western PA, Inc.
1 North Gate Square
2 Garden Center Drive
Greensburg, P A 1560 I
724-838-1290
Housing Opportunities, Inc.
133 Seveuth Street
McKeesport, PA 15132
412-664-1590
FAX 412-664-0873
Keystone Economic Devel. Corporation
1954 Mary Grace Lane
Johnstown, PA 15901
814-535-6556
FAX 814-539-1688
Tableland Services Inc.
535 East Main Street
Somerset, P A 1550 I
814-445-9628,800-452-0148
FAX 814-443-3690
199 Edison Street
Uniontown, PA 15401
724-439-8939
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AFFIDAVIT OF MAILING ACT 91 NOTICE
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF BERKS
Constance M. Cocroft, being duly sworn according to law,
deposes and says that she is Vice President of Asset
Recovery of Sovereign Bank, successor to Penn Savings Bank,
Plaintiff herein, and that on June 6, 2005 she
mailed the Notice pursuant to the Homeowners' Emergency
Mortgage Assistance Act of 1983, copies of which are
attached hereto, to the within
Defendants, Karen A, Gallagher
that the required period of time
has elapsed since mailing of said Notice; and that the
Plaintiff has received no response from the Defendants, or
from any consumer credit counseling agency with regard to
the Homeowner's Emergency Mortgage Assistance Act.
L?~?7 .c?~
Constance M. Cocroft
Vice President
Sworn to and
of "TuL V
subscribed before me
2005.
this
13AL
day
~.~qJ4'\
Notary Public
COMMONWEA[;l"H OF PENNSYLVANIA
Notarial Seal
Kim Raker. Notary Public
City of Reading, Berks County
My Commission Expires Dec. 4, 2007
~,"~rnhf!r P""nnsvlvania Association of Notaries
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 he has
personal knowledge of some of the facts averred in the foregoing
pleading; and that the statements made in the foregoing pleading
are true and correct to the best of his knowledge, information and
belief and the source of his information is public records and
reports of Plaintiff's agents. The undersigned understands that
this statement herein is made subj ect to the penal ties of 18
Pa.C.S.
Section 4904 relating to unsworn falsification to
authorities.
\J
Mark Udren, ESQUIRE
UDREN LAW OFFICES, P.C.
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UDREN LAW OFFICES, P.C,
BY: Mark 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.
601 Penn Street
Reading, PA 19601
Plaintiff
ATTORNEY FOR PLAINTIFF
COURT OF COMMON PLEAS
CIVIL DIVISION
Cumberland County
MORTGAGE FORECLOSURE
v.
Karen A. Gallagher
5401 Oxford Drive #3
Mechanicsburg, PA 17055
Defendant(s)
NO. 2005 - 03 724
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) Karen A, Gallagher for failure to file an Answer to
Plaintiff's Complaint within 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 7/21/05 to 8/30/05
Late charges per Complaint
From 7/21/05 to 8/30/05
Escrow payment per Complaint
From 7/21/05 to 8/30/05
$94,234.57
609.26
27.24
117.61
TOTAL
$94.988.68
I hereby certify that
Defendant are as shown above,
accordance with Rule 237.1, a
(1) the addresses of
and (2) that notice
opy of which is
the Plaintiff and
has been given in
hed hereto.
EN
DAMAGES ARE HEREBY ASSESSED AS
DATE: f)t.l~ .-:{(). dlX:A.\
I
'ND'CATE~
PRO PRO Y
UDREN LAW OFFICES, P,C.
BY: Mark Udren, Esquire
ATTY I,D. NO, 04302
WOODCREST CORPORATE CENTER
111 WOOD CREST ROAD, SUITE 200
CHERRY HILL, NJ 08003
856-669-5400
Mortgage Electronic Registration
Systems, Inc.
Plaintiff
ATTORNEY FOR PLAINTIFF
COURT OF COMMON PLEAS
CIVIL DIVISION
Cumberland County
v.
Karen A. Gallagher
Defendant(s)
NO. 2005-03724
TO:
Karen A. Gallagher
5401 Oxford Dr~ve #3
Mechanicsburg, PA 17055
DATE of Notice:
August 19, 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 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 County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
717-249-3166
800-990-9108
NOTIFICACION IMPORTANTE
US TED 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 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 US TED NO TIENE ABOGADO,
o SI NO TIENE DINERO SUFICIENTE PARA TAL SERVICIO, VAYA EN PERSONA 0
LLAME 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
ar . ren, squlre
Woodcrest Corporate Center
111 woodcrest Road, Suite 200
Cherry Hill, New Jersey 08003-3620
CTION PRACTICES ACT, THIS LAW
AND THIS IS AN ATTEMPT TO
NED WILL BE USED FOR THAT
NOTICE: PURSUANT TO THE FAIR DEBT CaLL
FIRM IS DEEMED TO BE A DEBT COLLECT
COLLECT A DEBT, ANY INFORMATION OBT
PURPOSE,
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.
601 Penn Street
Reading, PA 19601
Plaintiff
v.
Karen A. Gallagher
5401 Oxford Drive #3
Mechanicsburg, PA 17055
Defendant(s)
ATTORNEY FOR PLAINTIFF
COURT OF COMMON PLEAS
CIVIL DIVISION
Cumberland County
MORTGAGE FORECLOSURE
NO. 2005-03724
AFFIDAVIT OF NON-MILITARY SERVICE
STATE OF NEW JERSEY
COUNTY OF CAMDEN
SS
THE UNDERSIGNED being duly sworn, deposes and says that the
averments herein are based upon investigations 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 Servicemembers' civil Relief Act (108 P.L.
189; 117 Stat. 2835; 2003 Enacted H.R. 100), and that the age and
last known residence and employment of each Defe ant are as
follows:
Defendant:
Age:
Residence:
Employment:
Karen A. Gallaghe
Over 18
As captioned abo
Unknown
Sworn to and subscribed
before me this 30th day
f August, 2 05.
"ii>
Na
Tit e:
Com any:
MARK J. UDREN, ESQ.
ATTORNEY FOR PLAINTIFF
UDREN LAW OFFICES, P.C.
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UDREN LAW OFFICES, P,C,
BY: Mark 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.
601 Penn Street
Reading, PA 19601
Plaintiff
COURT OF COMMON PLEAS
CIVIL DIVISION
Cumberland County
v.
MORTGAGE FORECLOSURE
Karen A. Gallagher
5401 Oxford Drive #3
Mechanicsburg, PA 17055
Defendant(s)
NO. 2005-03724
TO THE SHERIFF:
PRAECIPE FOR WRIT OF EXECUTION
Issue Writ of Execution in the above matter:
Amount due
Interest From 8/31/05
to Date of Sale December 7, 2005
On Going Per Diem of $14.86
to actual date of sale if sale is
held at a later date
$94,988.68
1. 471 . 14
(Costs to be added)
$
UDREN LAW OFFICES, P.C.
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WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEALTH OF PENNSYL VANIA)
COUNTY OF CUMBERLAND)
N005-3724 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 KAREN A. GALLAGHER
(I) You are directed to levy upon the property of the defendant (s)and to sell 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 gamishee(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
gamishee and is enjoined as above stated.
Amount Due $94,988.68 L.L. $.50
Interest FROM 8/31/05 TO DATED OF SALE 1217/05 - ON GOING PER DIEM OF $14.86 TO
ACTUAL DATE OF SALE IF SALE IS HELD AT A LATER DATE _ $1,471.14
Atty's Comm % Due Prothy $1.00
Atty Paid $119.60 Other Costs
Plaintiff Paid
Date: AUGUST 30, 2005
(Seal)
By:
Deputy
REQUESTING PARTY:
Name MARK J. UDREN, ESQUIRE
Address: WOODCREST CORPORATE CENTER
.111 WOODCREST ROAD, SUITE 200
CHERRY HILL, NJ 08003-3620
Attorney for: PLAINTIFF
Telephone: 856-669-5400
Supreme Court ID No. 04302
UDREN LAW OFFICES, P.C.
BY: Mark 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.
601 Penn Street
Reading, PA 19601
Plaintiff
COURT OF COMMON PLEAS
CIVIL DIVISION
Cumberland County
v.
MORTGAGE FORECLOSURE
Karen A. Gallagher
5401 Oxford Drive #3
Mechanicsburg, PA 17055
Defendant(s)
NO. 2005-03724
C E R T I F I CAT E
Mark 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.
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WREN LAW OFFICES, P.C.
BY: Mark Udren, Esquir~
A~ 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.
601 Penn Street
Reading, PA 19601
Plaintiff
COURT OF COMMON PLEAS
CIVIL DIVISION
Cumberland County
MORTGAGE FORECLOSURE
v.
Karen A. Gallagher
5401 Oxford Drive #3
Mechanicsburg, PA 17055
Defendant(s)
NO. 2005-03724
AFFIDAVIT PURSUANT TO RULE 3129.1
Mortgage Electronic Registration Systems, Inc., Plaintiff in the
above action, by its attorney, Mark 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:
5401 Oxford Drive #3 (Lower Allen Township), Mechanicsburg, PA
17055
1. Name and address of Owner(s) or reputed Owner(s):
Name Address
Karen A. Gallagher
5401 Oxford Drive #3
Mechanicsburg, PA 17055
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.
5. Name and address of every other person who has any record lien
on the property:
Name Address
Lower Allen Twp. Authority
120 Limekiln Rd., New Cumberland,
PA 17070
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 17013
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
5401 Oxford Drive #3
(Lower Allen Township)
Mechanicsburg, PA 17055
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 30, 2005
UDREN LAW OFFICES, P.
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UDREN LAW OFFICES, P.C.
BY: Mark 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.
601 Penn Street
Reading, PA 19601
Plaintiff
COURT OF COMMON PLEAS
CIVIL DIVISION
Cumberland County
MORTGAGE FORECLOSURE
v.
Karen A. Gallagher
5401 Oxford Drive #3
Mechanicsburg, PA 17055
Defendant(s)
NO. 2005-03724
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
To: Karen A. Gallagher
5401 Oxford Drive #3
Mechanicsburg, PA 17055
Your house (real estate) at 5401 Oxford Drive #3 (Lower Allen
Township), Mechanicsburg, PA 17055 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 $94,988.68, 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 Sheriffls 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 attorney1s 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
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ALL THAT CERTAIN C............i.,.;,.,.., tlnitaituated.in Village afMarellmd lV,,, C""..mnm...."..
(the .Cm'lrinm;nium-), 1.Dwer Allen Tavmship, C'I.1mDerland County. PemuJy!vmlia. being
cl"'9:ilV"'-' as Unit No. 5401...Q3. U. !:be Dec:1smi;ioA oUbe ('"<:IlI.....mtum, da=I. Seplmll.bc:r 14,
lSl9S, I~Jed SeptSlbcr 22, 1995, U. C1Jmberlsnr1 County. u;.-lI......cus l300k 504. Page
636. and theDec1axation Plam aftbe Onn"""";.,;,-, dIIll=i Apcl 7. 1995. nc:ardeclSept=zber
22, 1995, in CumberllmC coumy Plazl. Book 70, PBge 133, 1mClcrthc pmviaimJa of the Unif1:l!m
Candc>...i..l"", AJ;.t oUhe Cal::I:ll:llmwe ofl'elmlly!vanja, alii ~,.-dl'Oi !ram 'ci= to time, (Act
of July Z2. 1980. PJ...266, No, 82),
UNDER AND S"tlBJ1::cttD l:'".--tB, cav-....ta. roBtrictizms.1elIeIV&tione sml:rl#llZi-of-way
of r~.l.
TOGE'IHER,.nth all rigb.t, title mc intereSt in and. to the emnnt"" 1r.1.......t:llU. u more fully set
farth m thl: afDrea8idDc:cIaration althe Cw><1"...;niw=., sndDeclB%ation J:l.Ians. :Ill __ANI
from time to time.
BEING KNOWN AS: 5401 OXFORD DRIVE #3 (LOWER ALLEN TOWNSHIP),
MECHANICSBURG, PA 17055
PROPERTY ID NO. :
13-24-0791-002
TITLE TO SAID PREMISES IS VESTED IN KAREN A. GALLAGHER, SINGLE
WOMAN BY DEED FROM KIMBERLY M. HOLLICH, SINGLE WOMAN DATED 11/21/03
RECORDED 12/09/03 IN DEED BOOK 260 PAGE 3649.
SHERIFF'S RETURN - REGULAR
CASE NO: 2005-03724 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
MORTGAGE ELECTRONIC REGISTRATI
VS
GALLAGHER KAREN A
GERALD WORTHINGTON
Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
says, the within NOTICE
was served upon
GALLAGHER KAREN A
the
DEFENDANT
, at 0018:48 HOURS, on the 27th day of July
at 5401 OXFROD DRIVE #3
, 2005
MECHANICSBURG, PA 17055
by handing to
KAREN GALLAGHER
a true and attested copy of NOTICE
together with
COMPLAINT IN MORTGAGE FORECLOSURE
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So
~~~
18.00
9.60
.00
10.00
.00
37.60
R. Thomas Kline
07/29/2005
UDREN LAW OFFICES
Sworn and Subscribed to before
me this It/II
day of
BY:~/J~
Deputy Sher' f
UDREN LAW OFFICES, P.C.
BY: Mark 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.
601 Penn Street
Reading, PA 19601
Plaintiff
ATTORNEY FOR PLAINTIFF
COURT OF COMMON PLEAS
CIVIL DIVISION
Cumberland County
v.
Karen A. Gallagher
5401 Oxford Drive #3
Mechanicsburg, PA 17055
Defendant(s)
NO. 2005-03724
AMENDED AFFIDAVIT OF SERVICE PURSUANT TO Pa.R.C.P.RULE 3129.1
Plaintiff, by its/hiS/her Attorney, Mark 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".
This Affidavit is made subject to
relating to unsworn falsification
forth by Pa Rule C.P.
All Notices were served within the time limits
3129.
.S. Section 4904
Dated: November 18, 2005
BY:
Mar U ren, Esqulre
Attorney for Plaintiff
UDREN LAW OFFICES, P.C.
BY: Mark 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.
601 Penn Street
Reading, PA 19601
Plaintiff
COURT OF COMMON PLEAS
CIVIL DIVISION
Cumberland County
MORTGAGE FORECLOSURE
v.
Karen A. Gallagher
5401 Oxford Drive #3
Mechanicsburg, PA 17055
Defendant(s)
NO. 2005-03724
AMENDED AFFIDAVIT PURSUANT TO RULE 3129.1
Mortgage Electronic Registration Systems, Inc., Plaintiff in the
above action, by its attorney, Mark 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:
5401 Oxford Drive #3 (Lower Allen Township), Mechanicsburg, PA
17055
1. Name and address of Owner(s) or reputed Owner(s)
Name Address
Karen A. Gallagher
5401 Oxford Drive #3
Mechanicsburg, PA 17055
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.
5. Name and address of every other person who has any record lien
on the property:
Name Address
Lower Allen Twp. Authority
120 Limekiln Rd., New Cumberland,
PA 17070
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 17013
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
5401 Oxford Drive #3
(Lower Allen Township)
Mechanicsburg, PA 17055
Village of Moreland IV
Condo Association
c/o Tomasko Kornada, P.C.
Attorney at Law
219 State St., Harrisburg, PA 17101
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 statemen s herein are made
subject to the penalties of 18 Pa.C.S. s . 490 relating to
unsworn falsification to authorities.
Mar Udren, Esquire
Attorney for Plaintiff
UD E L W
DATED: November 18, 2005
UDREN LAW OFFICES, P.C.
BY: Mark 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.
601 Penn Street
Reading, PA 19601
Plaintiff
COURT OF COMMON PLEAS
CIVIL DIVISION
Cumberland County
NO. 2005-03724
v.
Karen A. Gallagher
5401 Oxford Drive #3
Mechanicsburg, PA 17055
Defendant(s)
DATE: October 5, 2005
TO: ALL PARTIES IN INTEREST AND CLAIMANTS
NOTICE OF SHERIFF'S SALE
OF REAL PROPERTY
OWNER (S): KAREN A. GALLAGHER
PROPERTY: 5401 Oxford Drive #3, (Lower Allen Township)
Mechanicsburg, PA 17055
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, COURTHOUSE, 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
specified 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.
:XHIRIT A
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Mortgage Electronic Registration The Court of Common Pleas of
." ~""'~s;'1:nc. "-d"""'_-..o-.. "'~. ~.. ,~ ~ ....a.unoor.lantd.Qwnty,J'.enI1SY.lv.an.ia.. ".
VS Writ No. 2005-3724 Civil Term
Karen A. Gallagher
"l'~'"_"""_""""__"",,,,,,,
Richard E. Smith, Deputy Sheriff, who being duly sworn according to law, states
that on Sept. 28, 2005 at 7:15 o'clock PM, he served a true copy ofthe within Real Estate
Writ Notice of Sheriffs Sale and Description, in the above entitled action, upon the
Wit III name e en an, 0 ~~!!l, u9 Jillll\.'i.r~~il'H111~<K~~.
Gallagher, personally, at 5401 Oxford Drive #3, Mechanicsburg, Cumberland County,
Pennsylvania, its contents and at the same time handing to her personally the said true
and correct copy of the same.
Ronald Hoover, Deputy Sheriff, who being duly sworn according to law, states
that on October 12,2005 at 2:20 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 Karen A. Gallagher located at 5401 Oxford Drive, #3, Mechanicsburg,
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
marller:'!he 'SherIff maTIeCl a notice of-fue'pendency 'Of'ttle -action 'to <the <within 'IIamed
defendant, to wit: Karen A. Gallagher, by regular mail to her last known address of 5401
Oxford Drive, #3, Mechanicsburg, PA 17055. This letter was mailed under the date of
October 06, 2005 and never returned to the Sheriffs Office.
Sworn and subscribed to before me
~An ers A~
~ d::"._....r/
4'''' ~~r.-__ I
. ,
This _ day of
R. Thomas Kline, Sheriff
2005, A.D.
Prothonotary
EXHIBIT 8
-;:1
r' \
~....,)
CD
,..-.-
0)
Mortgage Electronic Registration
Systems, Inc.
VS
Karen A. Gallagher
The Court of Common Pleas of
Cumberland County, Pennsylvania
Writ No. 2005-3724 Civil Term
Richard E. Smith, Deputy Sheriff, who being duly sworn according to law, states
that on Sept. 28, 2005 at 7:15 o'clock PM, he served a true copy of the within Real Estate
Writ, Notice of Sheriffs Sale and Description, in the above entitled action, upon the
within named defendant, to wit: Karen A. Gallagher, by making known unto Karen A.
Gallagher, personally, at 5401 Oxford Drive #3, Mechanicsburg, Cumberland County,
Pennsylvania, its contents and at the same time handing to her personally the said true
and correct copy of the same.
Ronald Hoover, Deputy Sheriff, who being duly sworn according to law, states
that on October 12,2005 at 2:20 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 Karen A. Gallagher located at 5401 Oxford Drive, #3, Mechanicsburg,
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
defendant, to wit: Karen A. Gallagher, by regular mail to her last known address of 540 I
Oxford Drive, #3, Mechanicsburg, P A 17055. This letter was mailed under the date of
October 06, 2005 and never returned to the Sheriffs Office.
R. Thomas Kline, Sheriff, who being duly sworn according to law, states this writ
is returned STAYED per instructions from Attorney Mark U dren.
Sheriffs Costs:
Docketing
Poundage
Advertising
Posting Handbills
Law Library
Prothonotary
Mileage
Certified Mail
Levy
Surcharge
30.00
15.44
15.00
15.00
.50
1.00
21.12
2.33
15.00
20.00
Postage
Law Journal
Patriot News
Share of Bills
.74
323.00
307.52
20.89
$787.54
Sworn and subscribed to before me
So Answers
.~~~~
R. Thomas Kline;Sheriff
2005, A.D.
isb
Uc!:J.J.;)JJ
f2.v 1'1:J.3:OY
J
'UDREN LAW OFFICES, P.C.
BY: Mark TId;:cen, Esquir~
A~ 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.
601 Penn Street
Reading, PA 19601
Plaintiff
COURT OF COMMON PLEAS
CIVIL DIVISION
Cumberland County
MORTGAGE FORECLOSURE
v.
Karen A. Gallagher
5401 Oxford Drive #3
Mechanicsburg, PA 17055
Defendant(s)
NO. 2005-03724
AFFIDAVIT PURSUANT TO RULE 3129.1
Mortgage Electronic Registration Systems, Inc., Plaintiff in the
.above action, by its attorney, Mark 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:
5401 Oxford Drive #3 (Lower Allen Township), Mechanicsburg, PA
17055
1. Name and address of Owner(s) or reputed Owner(s)
Name Address
Karen A. Gallagher
540l Oxford Drive #3
Mechanicsburg, PA 17055
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.
5. Name and address of every other person who has any record lien
on the property:
Name Address
Lower Allen Twp. Authority
120 Limekiln Rd., New Cumberland,
PA l7070
"
.
.
~
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 17013
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
5401 Oxford Drive #3
(Lower Allen Township)
Mechanicsburg, PA 17055
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 30, 2005
LAW OFFICES, P.
!
J
.,
UDREN LAW OFFICES, P.C.
BY: Mark 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.
601 Penn Street
Reading, PA 19601
Plaintiff
COURT OF COMMON PLEAS
CIVIL DIVISION
Cumberland County
MORTGAGE FORECLOSURE
v.
Karen A. Gallagher
5401 Oxford Drive #3
Mechanicsburg, PA 17055
Defendant(s)
NO. 2005-03724
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
To: Karen A. Gallagher
5401 Oxford Drive #3
Mechanicsburg, PA 17055
Your house (real estate) at 5401 Oxford Drive #3 (Lower Allen
Township), Mechanicsburg, PA 17055 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 $94,988.68, 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.)
;
,
.J 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
"'
ALL THAT CERTiIIN C"......l"""i..;,"nn Unit situateli in Village of MDl'eimuI lV, a C-,;",.,,;,.,Tt111\
(the 'Crm,;nmi"il1m"l.l.owcr ~ Township, Cum_1Imd County, P=nsylvlmia.. being
,,-;g,."'-' as Unit No. 5401..Q3, :in the DeclsBtioc of the (,"~d""';,.,tum. da:=d September 14,
1995, l-..h:d September 22. 1995,:in Cl.mlberl8nci. County, Ui._ll...._ Eook 504, Page
636. and the Declaration Plam of the en",;............... datcci Aprll7. 1995. t.::lII'licciSeptembe:r
22, 1995, in Cumberlancl coumy Plc. Book 70, PBg= 133, uzulcrthc -amvlsiaas of the Unifmm
Cm\tlnm;"l"m /v;t of the ~ ofPeDnsylwma, All '\l""'nd~ fram l:ime to time, (Act
of July 22. 1980. P.l.. .266, No, 82),
UNDER AND SuarECT"to C'''._ll-nts, ctIRDlIIlta, 1'Oatrictians. mse:rvatilll:lll snd:~gf---y
oir.........l,
TOGl!;!n='IIIith all right, title imC intemltm and. to the Own"''''' Elementa, i\li mo:c fUlly set
fmth in thI: afcreaaidDcr::laratlon of the Cml<lO...i"~ anciDeclamtian J:l.Ima,.lU 1lmeI2d.erl
from time ro time.
BEING KNOWN AS: 5401 OXFORD DRIVE #3 (LOWER ALLEN TOWNSHIP),
MECHANICSBURG, PA 17055
PROPERTY ID NO. :
13-24-0791-002
TITLE TO SAID PREMISES IS VESTED IN KAREN A. GALLAGHER, SINGLE
WOMAN BY DEED FROM KIMBERLY M. HOLLICH, SINGLE WOMAN DATED 11/21/03
RECORDED 12/09/03 IN DEED BOOK 260 PAGE 3649.
WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
N005-3724 Civil
CIVIL ACTION - LA W
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the debt, interest and costs due MORTGAGE ELECTRONIC REGISTRATION
SYSTEMS, INC., Plaintiff (s)
From KAREN A. GALLAGHER
(I) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL
DESCRIPTION
(2) You are also directed to attach the property ofthe 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 $94,988.68
L.L. $.50
Interest FROM 8131105 TO DATED OF SALE 1217105 - ON GOING PER DIEM OF $14.86 TO
ACTUAL DATE OF SALE IF SALE IS HELD AT A LATER DATE - $1,471.14
Atty's Comm % Due Prothy $1.00
Atty Paid $119,60 Other Costs
Plaintiff Paid
(Seal)
{1 .:L
IJJt
P othono~ 7
By:
Date: AUGUST 30, 2005
Deputy
REQUESTING PARTY:
Name MARK J. UDREN, ESQUIRE
Address: WOODCREST CORPORATE CENTER
111 WOODCREST ROAD. SUITE 200
CHERRY HILL. NJ 08003-3620
Attorney for: PLAINTIFF
Telephone: 856-669-5400
Supreme Court ID No. 04302
Real Estate Sale #44
On September 09, 2005 the Sherifflevied upon the
defendant's interest in the real property situated in
Lower Allen Township, Cumberland County, PA
Known and numbered as 5401 Oxford Drive, #3,
Mechanicsburg, more fully described on Exhibit "A"
Date: September 09, 2005
By: .1c~ \::-\ CVLA-i.~)
Real Estate Sergeant
(@
~
~il
~.:::l
--)
("!"/
~
filed with this writ and by this reference incorporated herein.
,. ,
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, Connty 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 and/or 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
e me this 23rd day of November 2005 A.D.
G NOTARIAl SEAL
Terry L. Russell. Notory Public
City of Harrisburg. Dauphin County
My Commisslo pires June 6, 2006
~mb.r Ponns "nia^'q-::';<<
REAL ESTATE SALE No. 44
Writ No. 2l1lHH1724
ClvllTenn
Mortgage Electronic
Registration Systems, Inc.
Vs
Karen A. Gallagher
Ally: Mark Udren
DESCRIP'TlON
....................... .........................
ALL THAT CERTAIN Condominium Unit
situated in Village of Moreland IV, a
Condominium (!be :'Condominium"), Lower Allen
Township, CUmberland County, Pennsylvania.
being designated as Unit No. 5401-03, in the
Declaration of the Condominium. dated
September 14. 1995. ",or<l<d September 22.
1995, in Cumberland County, Miscellaneous Book
504, Page 636, and the Declaration Plans of the
Condominium, dated April 7, 1995, recorded
September 22. 1995, m CwnberlJmd Coonty Plan
Book 70. Page 133. under the provisions of the
Uniform Condominium Act of the Commonwealth
of Pennsylvania, as amended from time to time
(Act of July 22, 1980, P.L 286. No. 82).
UNDER AND SUBJECT to 1lUemlIDIi,
-._...........aod~.
wayoflOCCO!.
TOGIITHBR. with all right, tide md iDIa'cst in '
and to the Common Elements, as more fully set
forth in the aforesaid Declaration of the
Condominium. and Declaration Plans, as amended
from time to time.
BEING KNOWN A_~' "MIl lW&.riI n.;"" 11-1
NOTA Y PUBLIC
My conunission expires June 6, 2006
CUMBERLAND COUNTY SHERIFFS OFFICE
CUMBERLAND COUNTY COURTHOUSE
CARLISLE, P A. 17013
PROOF OF PUBLICATION OF NOTICE
IN CUMBERLAND LAW JOURNAL
(Under Act No. 587, approved May 16,1929), P. L.1784
COMMONWEALTH OF PENNSYL VANIA
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,
V1Z:
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.
//.
I
---
o AND SUBSCR ED before me this
day of October. 2005
1~~ ~~~~"
~,IOl AHJ;\L .:,:::,'-d,;
I lOtS. E. S~,jYDf:H. i\L):,~:ly :'~;(":.; i
I l)1 ,..if' >Jf lb~,; 1'''J (
',1, "1 n':1ll"'~I\ " ':' l r.;
j,....~.'~ -~_..
REAL ESTATE SALE NO. 44
Writ No. 2005.3724 Civil
Mortgage Electronic Registration
Systems. Inc.
vs.
Karen A. Gallagher
Atty.: Mark Udren
ALL TI-IAT CERTAIN Condomin-
ium Unit situated .in VUlage of More~
land IV, a Condominium (the "Condo-
minium"), Lower Allen Township,
Cumberland Comity. Pennsylvania.
being designated as Unit No. 5401-
03, in the. Declaration of the Con~
dominium. dated September 14.
1995. recorded September 22.
1995. in Cumberland County. Mis-
cellaneous Book 504. Page 636. and
the Declaration Plans of the Condo-
minium. dated April 7. 1995. re-
corded September 22, 1995, in
Cumberland County Plan Book 70,
Page 133, under the provisions of
the Uniform Condominium Act of the
Commonwealth of Pennsylvania, as
amended from time to time, (Act of
July 22. 1980. P.L 286. No. 82).
UNDER AND SUBJECT to ease-
ments. covenants. restrictions. reser~
vations and rights-of~way of record.
TOGETHER with all right. title
and interest in and to the Common
Elements. as more funy set forth in
the aforesaid Declaration of the Con-
dominium. and Declaration Plans.
as amended from time to time.
BEING KNOWN AS: 5401 OX-
FORD DRNE #3 (LOWER ALLEN
TOWNSHIP). MECHANICSBURG.
PA 17055.
PROPERTI lD NO.: 13.24-0791-
002.
TITLE TO SAID PREMISES IS
VESTED IN KAREN A. GALLA.
GHER. SINGLE WOMAN BY DEED
FROM KIMBERLY M. HOLLICH,
SINGLE WOMAN DATED 11/2]/
03 RECORDED 12/09/03 IN
DEED BOOK 260 PAGE 3649.