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Home My WebLink About05-3920 o SHAPIRO & KREISMAN, LLC BY: KEVIN DISKIN, ESQ., JOSEPH REJENT, ESQ., AND ILANA ZION, ESQ. ATTORNEY J.D. NOS. 86727, 59621 & 87137 2520 RENAISSANCE BL YD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 05-24504 First Horizon Home Loan Corporation f/k/a COURT OF COMMON PLEAS FT Mortgage Compies d/b/a MNC Mortgage CUMBERLAND COUNTY 4000 Horizon Way / _ 'J Irving, TX 75063 NO: oS-::- ..31',;2,...0 ~ PLAINTIFF J~ VS, Jill Cowoski aka Jill A. Cowoski and Christopher Cowoski aka Christopher J. Cowoski 6 Spring Valley Lane Mechanicsburg, P A 17055 DEFENDANTS COMPLAINT - CIVIL ACTION MORTGAGE FORECLOSURE NOTICE YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THIS COMPLAINT AND NOTICE ARE SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORT ANT TO YOU. 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 SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAYBE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Lawyer Referral Service Telephone: 717-249-3166 Cumberland County Bar Association 32 South Bedford Street Carlisle, P A 17013 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE, NOTIClA LE HAN DEMANDADO A USTED EN LA CORTE. SI USTED QUIERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, USTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA ESCRITA 0 EN PERSONA 0 POR ABOGADO Y ARCHlV AR EN LA CORTE EN FORMA ESCRIT A SUS DEFENSAS 0 SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU PERSONA. SEA A VISADO QUE SI USTED NO SE DEFIENDE, LA CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO A VISO 0 NOTIFICACION Y POR CUALQUIER QUEJA 0 AUVIO QUE ES PEDIDO EN LA PETICION DE DEMANDA. USTED PUEDE PERDER DINERO 0 SUS PROPIEDADES 0 OTROS DERECHOS IMPORTANTES PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO 0 SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VA Y A EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUY A DIRECCION SE ENCUENTRA ESCRIT A ABAJO PARA A VERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Lawyer Referral Service Telephone: 717-249-3166 Cumberland County Bar Association 32 South Bedford Street Carlisle, P A 17013 SHAPIRO & KREISMAN, LLC BY: KEVIN DISKIN, ESQ., JOSEPH REJENT, ESQ., AND ILANA ZION, ESQ. ATTORNEY !.D. NOS. 86727, 59621 & 87137 2520 RENAISSANCE BLVD" SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 05-24504 First Horizon Home Loan Corporation flk/a FT Mortgage Compies d/b/a MNC Mortgage 4000 Horizon Way Irving, TX 75063 PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: I) 5- J '1 J. 0 ~J~ VS, Jill Cowoski aka Jill A. Cowoski and Christopher Cowoski aka Christopher J. Cowoski 6 Spring Valley Lane Mechanicsburg, P A 17055 DEFENDANTS COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, First Horizon Home Loan Corporation f/kla FT Mortgage Compies d/b/a MNC Mortgage, the address of which is, 4000 Horizon Way, Irving, TX 75063, brings this action of mortgage foreclosure upon the following cause of action: 1. Parties to Mortgage: Mortgagee: FT Mortgage Companies, d/b/a MNC Mortgage Mortgagor(s): Christopher 1. Cowoski and Jill A. Cowoski (b) Date of Mortgage: October 13, 1998 (c) Place and Date of Record of Mortgage: Recorder of Deeds Cumberland County Mortgage Book 1490 Page 534 Date: October 20, 1998 The Mortgage is a matter of public record and is incorporated herein as provided by Pa. RC.P. No, 10 19(9). A true and correct copy of the Mortgage is attached hereto and marked as Exhibit "A" and incorporated herein by reference, 2, Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the legal successor in interest to the original Mortgagee, or is the present holder of the mortgage by virtue ofthe above-described Assignment(s). 3, The real property which is subject to the Mortgage is generally known as 6 Spring Valley Lane, Mechanicsburg, Pa 17055 and is more specifically described as attached as part of Exhibit "A": 4, Each Mortgagor named in paragraph I executed a note as evidence ofthe debt secured by the Mortgage (the "Note"). A true and correct copy of the Note is attached and marked as Exhibit "8." 5, The name and mailing address of each Defendant is: Jill Cowoski aka Jill A. Cowoski, 6 Spring Valley Lane, Mechanicsburg, P A 17055; Christopher Cowoski aka Christopher J. Cowoski, 6 Spring Valley Lane, Mechanicsburg, PA ]7055 6, The interest of each individual Defendant is as Mortgagor, Real Owner, or both. 7. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, are due as of February 1, 2005 and have not been paid, and upon failure to make such payments when due, the whole of the principal, together with charges specifically itemized below are immediately due and payable, 8, The following amounts are due as of Julv ]6,2005: Princioal of Mortgage debt due and unoaid $]05,937.78 Interest currently due and owing at 7% per annum calculated from January 1,2005 at $20.32 each day $4,003,04 Late Charge of $41.42 per month assessed on the 16th of each month from February ]6, 2005 to July 16,2005, (6 Months) $248.52 Escrow Balance ($529.90) SuspenselVnapplied Balance ($72.37) Accrued Late Charges $164.44 Title SearchlReport Fees $250,00 Attorneys' Fees and Costs $1,500,00 Mortgage Insurance Premium $85,92 TOTAL $111,587.47 9, Interest accrues at a per diem rate of 20.32 each day after July 16,2005 that the debt remains unpaid, and Plaintiff may incur additional attorneys' fees, as well as other expenses, costs and charges collectible under the Note and Mortgage, 10. The attorneys' fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriffs sale, If the Mortgage is reinstated prior to the sale, reasonable attorneys' fees will be charged based on work actually performed. II. The original principal balance of the mortgage exceeds Fifty Thousand Dollars ($50,000) Accordingly, Notice of Intention to Foreclosure pursuant to 41 P,S, Statute 403 is not required, 12. The Mortgage is insured by the Federal Housing Administration under Title II of the National Housing Act (12 D.S.C. S 1707-1715z-18), Accordingly, the Homeowners' Emergency Assistance Act of 1983,35 P.S. S 1680.402c is not applicable. WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in favor of Plaintiff and against Defendants, jointly and severally, in the amount set forth in paragraphs 8 and 9, together with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Note and Mortgage and for the foreclosure and sale of the mortgaged premises. SHAPIRO & KREISMAN, LLC Date: 7 /QCf /05 / ' BY: , \..QJ\.1VL Ilana Zion Attorney for Plaintiff f{)-(){\ S & K File No. 05-24504 ,,,., .~......." .~.._._... "'--,-,'.' "/J'^~ . ,)~.. ;I e'.... , },FTU ,,-UCOIlDH\ON. ,.t.nA'I\ Jl.JlTUR." fCh "$ :,~. j '. ~ J'~.', ~ R~S~' ;;{. f7 tt;:ur; '': ! :~ f:"/.IDttlL': ' C: ~1': \:\~l!."i}:: p", '98 OCT 2C Rl'IlO '1& r~"H' /dI.... lM~ 1111. ~.. _.,...11", D.t., f.:.",moflw"llb..rFeftn'rlun;. PURCI>I"!;IE MDN~V MORTGAGB 1'11.1. (;I,./Il... 4<41-1i14(14'''5...'1l)1 {ILl] nllfl MOllTQA.G13I'U~dtr 1..'lr\!lII~t'l il rpYm on OCTOBeR 1:1 ,1\1I1B 'f'hM"r....!;lr l.l r;HI\ISlOPHiR oJ. COWOSKI AND JIt.J. ,tl. OO1li'CJ8k;:1 ,. w!lN;e.ddn...*I_ I IIPAING VAllEY t,ANl, MEtHANIC8SUAG. PENN!tV\,.VANIA non . (.nDrto.....'.J.fl,:IS'ebrlty flltl1VIII'IA'i.~lnntD FT MO~YaAGf CONPANIHS. D/B/A MNC MORT~G~ "",~lM j'(lt;cnRod Illllf'..lI.llt,cul'ttlllr tm. \II'W'lof nil: !C1ATE of K.t,N!CAS ,ud""IIQ1J" tlkl~_ if: lOIJ1 NORTH STlirfltONl> fREEW"V, DAllAS, TE~AIi '711247 (.1...m:kIr~t, Dl'lro....'r 1I"".j ""...der \l'oe I'rilll'i~,ll\1... ~r ONE H~~!D ~OURT5tN THavsA~D SIX HUNaatD AND No/1DO P>>\J.", IUJI. ~ t 14 ,11011,1111 ). Tilt. 01,111 i. ....~1It:1Id h 0'9'''''''11'0 1101. 4..'IW thll UI'A~ dllO IF ,/Ii, $1I~Utll, 1..............1 {"NoI,-). whloh pro'irJr,. rl>t lllo.l1.lhlr 1""1m....\I. ..jlh t"" tull dWl, if n6t ;flU .ulin, d\yo ....J '''Ylbl, 01> NQvl;.MSIR 1 .lQ~B ' . 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Tn IlIiI e"Ie/l.1111.. 11I71'.".it.iq'l "'. d...... " tM, Sc<!lrtlty In,lnt<flll.nl." Ih. N"tll~Arliotl U'ttll 'If\l'l!iullW l~w. ~\lgJl OI'11.rllo;l ,10...11 MI ,erKI ",he. pfO'I...."1 tot Ihll hc\trily In,I,um,nl <H' \h.. N'ott w/>i=h.~" hII IIi.." .rf..,,! u.'ith",,'llhr <:rlnfJ;din~ ".".i.."n, T"It>i~"l'd .h.l'~~i,i,nur Ibll!;oIOu,Lly I/l.fl.rumlnt ....'illlHoJIII" .,...'nor,! Ig-IJo .......","', It 1I.'I'OI".r', OIl'''' Dort<lW1l. th.1I be lJ.LTeilOne 1IOIItvrml'd ""I" I'f lh, N'1l\f 1110;1 qf \hj, S,c,!'ilt '~I"""'",,l. I.. H.~..tlllU~ l".b"l..n~i1a. Br,r,lIw" flull MI <:1"'" "" por..,,;l Ih. "............ lllIr:, 0.1"1'",,], rtll'.r;ro. '" ,."Id~. "r ont Il'V./lI'\I'"I~ S"h.I""""1ln q.,,, 110, p"."".lt. Tl4l,folwerall.en _4<1. n'lf'tll.'" "R",."I"I~4". tII~irtr..r('K~inlltb.l'tflf\l/"l~ I"'ti~ in .int'I;"""r .,,~ 1l.wl..,..........I>II....... T"" "-...!~"N \'"0 l~tot""<:'. w!! I!.l'I 'lII'ly In ill. "....,,~ 11~, '" .'".all' ".. lho l""l"""lr ur ,null.,,,,,nlili.,, "r ll....d,,",' ll~"tlll'iON Illll III ~ntrtUl' ~I/\~,d (O{).,,,p'''rri''I to on,...,/ ...iiolflOlj,1 II'" ,'I41\1I..,inl.lo",,,,,,,..r 'ho l'I<'I"I:rI" lllltn,,,,,,"hll Pllilnljrlblli'" Wd... W,;lle.. .....tiIle4f Ilty l/\,utl~'llo/\. .Laim.\laltlud.lu11\tltM1,.:II.Il' .0111>1I r>y ./ly WJ'tr..mtMDII.~ .~t"lltn.t "'fI"" Co" pl'jul~ I'll'\)'" 1II1~lIlt;~1 Ua' Prw.efIY Ul.d 11'1.1 HunllouJ fhlllf1e1\1lI nr 11,1I111<1ltlTllN\lil LIW .,f whloh IkotrO'lll'er bl~ 1<:lu,1 kl\(lwlt<.lil". If Uonow.r l"rn,.Q1" i" l\\Ilir;...r hr ...~ CIil".n",crd.IIl' ,q:ul';~r)' "ul~".I'y.lh'l ."r '~l"""ol ". "I~.. .......Ji'ljrr.. nI' ,nyll..~..r<J""" 'lIbfll..""", dfillllinj!: III" "rllJ'C~I~ it ..__IUY, IIm"nJII~r '1IIl! (lrt>m~11~ \.Ik~ ~ll MO"....j. ...,,'l'itrJl.] ~~Ii",,, In 'cl''''Vn~'' wlIlIllui"'"mtllll\\..'W, ~, ~. u..oI \" 111... Pu.~...ph II!:, .'.I.,.,""..~. &'..I..to.."...... Ih... ...!:rolonac.d.rin""'.. """;~... ~n...<li'u' ."h,I..._.., 111Y1~nu""l Lt_.M! tho r"lIo\Oinlt fukl.tI\"I:~nuliD,.Ir.'fu..ft,.l'\b,r n.mm'''"l1f ~i~ l"'lroJD...m ('I"'I~~. to~io r'~lili"j<J.. ..Mll1lrllicidtle, yul~In'l ,'Jh'tll.. l".I<..i.t. ~I.;gi". IUbutQI ot fctm,ldohydO, .rUt ,.ilill.AtI.. Mnltt..lI, ~"..,teI l.. "'"' r".~'"l'h 16. .c."llrll'llJl'''I4II...w~ Illnn' fMnJ I.., ,'IClI.\II~~lhr: jll(ildi<lli... W"*tlll 11\. ~.Oftclrl)' l, }or..lrod 1/I.1.d.-.w b.,HIt. nf.lr lorp,w;.nntnfnlfl pr"lf..lkl/l. NON-UNU'lOf1.M OOVGNA.NTS. D!ltrllw~ II\(I Lflld,( t'lIr~belllll"/\'l\tull O~llrol'" MlllWI, 17, A..il"..mll'r\l.'Il.~.u.. B/lrrowor.f u_a1tlOlltll, 1111'11:I .n~ trlosretl It' 1';:1'1."'" In Ih. unll nl'11 ....h....~ '" 1/1" I'wrer1f, ll"fI'''''"<I!" ,uthcri~., I,..,ndorr Q' I........... III."'" 1q~1II1..,~ I~, r,~I",,~ ""1111'" IlIIIhr.b,.dilllOl.Il!IIoh WK...1 dF lIlt l'I"IIl""'~ Itl!,'~ 'loll NlIUI ", l..tld~. II 1..000I"r', .r,,".lipW4""~' !'.ig. '" I....d..." l1IFIi..... 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I, 4'UoWl ..Ill,! nw,," ,II "r th" ...nl. nr .ho, 1'f'I""">'~ .,,(/ (ol..Oh ItlIllll.,r Ihe rt"/lrI.I) ~h~1t "..,.11 ..,,1> oI....fI\l ""r,i,j '" '...."v..", I.oA~~"~ '1I~,,1 '''' r ...n>l~....o illl'l' ~t"'t..loll" 'hw llH!.nl. f.,.hll II 14'IJ\l1l .pUt Q~ln ,,,,1490'''1 .536 UlJrrll.....r hGI 401CllfMjlMl.~, prig, Ultl:DlIIU.t~'M '''lIIIOlldhal.llutllltJ wiilo'tp'rrvtlln IA)'I<R ihu .....utel l',u","1 !..Mdtr f,"m \llInGlsi~lu,,*htllmol'rtl>u.P.nlrtpal1. l....eA", .11111 ",II.... ""I.,.j(...d loll 1I\C,u IIpll(t, 1I1l,1_I.rVIClf Clt mt14111b...... f..ol"l111 bef'llUIV' It11lt ,I.., ",/ti...yf brMGh 11. n",fIu~... 11......\...., l.uol.. ,It 0 J""'i~itliy .~...ll/llad ._inr moy dlC'lfl II.", tlll'l.t.h... jo., bf4lGII.. A./l.~ 11IJ'Iti~Il.n _II f'I'W.bfn 1101 Ulo... "I' ",.i~.. '''t ",.f'WI II. jn~.IW.I. ...,....1.". ";~I ,It ..........",,( ~..~.. 'l'1,~ oUi...m."..r .....\oallll....rup,lnt 'hill t""'llna\D..~ t....""III..~u'<lIl h,*,,,S""~rtIJfI"llltt.lll:l""u,..i<,liftllHl. II.lltlN:"lao,,~. f'o";.dll....rt i..,UIC]U o:'..._r~ illJ)m..nI.tt1I1'.)'Molal;.. flllt "...1:.... ,...11,..,'- " L.ntkr ..t' f_k...lt.lo $UlW'J.t1' i.m'''/lII,nl by jllliiDlal pNCeDllhl~ bflhllbl.ll bot eIII:ll641 t..aollql "II ""p,nlU laollf,", In 'loI"'lilllJ '.Il. "II'ItWl5 ptll'lded In Ullt 1'....1(1)110 I'" inGl\lldinll. bill ....IIIoI\it"'" I., ,nun.,..' t",..IInllellllo.rlitlIOlYldann U tu "Ife-AI ~.....ijld h" "Pftlll1.lblOllw. . I' Ih I..4-ml.,'.llllnlfllm thlll;t~uth~ l"I1~\lI\'ltMi\h lwkl b.r IbeSlMlI'bt..y tnIl u.., Lc,.llfl ftll.',jrw Imm.;dilllrJIIYllWillla '~ll \a1>d.t 1.......p;.,.IIt.*-llltltfrm..ll\.nif.au,olllDljudi.<.I.lpcn...ttor.IltfPllI'llllGl"IU"u.tlIJ'Ir",U,Morlllll"Pur.vlUllUIIAlRJ>tlmC.A.ul"Hr2 V..B.c.J7.s1!UW br taqWlI!,iIlI' ror~l,I"GOmrniltlM6Ido';II'.tlld bprl.r,'" A~' "'_IllIAG4 tD~U,. U14U1MlI lh P1">l"'rll fjI ...lIY1da.J il\ U. Act. NDlh.iltf illlhe Pl'~~ltl,ll!hll&acIIIJ..lIlloo,.~i.. 1"'" .....~.~'1I ot u, de)ll .I~"''''", ....IIwJ,L. la . J.-d.. _~ lll!. P.'....plillllttlppJi,abl.'.w. ". "'.1.",.. UP"lll'lym./ll ~r III 'UII\' tcc>\,ltll,! by ~i.lj'K"'ril,. Inrtrl,lmMt itlil &.o\ll;ly l,..lI~um""l..d ,..... ..OI.!", c:tJllv,,",.d .~jl L.tl\'llh'. .,,111*1I.... t<lOlJ, Aflolc I~~h """.rnm4i<l, Lalllllf..It.lIliilw...... ..olooli:rr, \hi. """wily lulr"mullU noI''''W.'' U1'''''Wc' .tt.1l ,..~...t~tli.,._...J..,.,.rJwln.y4,"lIlf. tMfor,.,IHI(n,tlkI.rSllfU.11rl...tn"'IItnl. bu_<mlrllib,fll,1I jlIWlu.lkltdp..ltl", ..n..... ....d......,..,Jd,...."'...;.,.I9Ii"r...!."'r"'(t;M........~III",li..Iol.IIl'W. m. W,I'IIr.t.ll.t~.wc.. i. \IuIIAjI;loI'" I"'tlili\IIId~TllPpJllI.bltl,w. w.ln'llWI ttl...~. ..)'''f~f Or .&d"'~Co in JKWIti.liQPt9~llfN....tlUf .!I~ri\~ l...irumllAl. ...d "'~.b, .....I~.. I~ l/oII.....'(I.' UY .HM~I o.-rvl..nla..... ,.....i<li"fl... d.yot.._utwt, "'O/I.lu otofll...., '~.mr\:ft~ r~.ll...lI.....vl,I'"'"It".a,l.,.l!.dMmtodlMdn.III'IlIlIl. :II. thlll.I.lo.,no..,1 P..rt.d. B.lttll-.'. lImo... ..JnoU" p..,vj<!od u.l'uI'Uli'II.IC ,ll.ll...""" \0011' h..d. ....ilU'w Ih. ocumm,""".."..~l Qft>i~dioltl.,b.tttt'Jnl"Cltotlletul..f'\ltju...li"~lI..Uf;lr h"It\llll'M. 11., Plu"h... N.IW>)' Uart),....J:.... 11 'lIJ'.t Iln' 01"1 ,",,",II b, Ihit StoOIlrhy Jlllitu_l '.l....llb !,k.rrawa. It> ......ui., titl.. '" ,,.~ t'All'ItV, tb.lr S'I'lIrlIJ !olj,.lImollld..U Ill", jlu,..,h.. ....~'"I' ~IC'~. 1J. Irll...alt ):1:..,. ....h...11l~.....,u.1)cI...w.r ..Il~- th.llb.. iIltllf'Nl!tw pt,.bh dilf j jlllli_t" ./ltll."" On llle Nil....,.. ill .n Ulwn tt' mofl\C'i.hfu!otlolr.,!tI.U lit tM n16j1IY'"'' ,.ladttItloO:I"li.... ""tlou u.cNoI... Xidul " jill_ j.'U~ii)' Inll.....""...t. U" 11411.or ...,. ridor,. . nil "'_1.01 b7 D9rn...r 004 r~ol4l<.lll/;'lllltol!. whit 111h S.wyr!ty IUltVlMAl, ,II.'''''''l.n1l or 11011. tllllll rld6t tIItll b6 ~1'O"'w ;,,\11I1"" ..u...III.r\d.rut '''ppr~lIt.ot lJ\IIw'm1f1~ .mI.~"'m."\r."t I"'~ So(:l.I.ilr IlIot'II.......' .. if 111.. tider{.' .......~ a V"~'" IlliIJ.Il..Ilti1rlnll""nlltll tCfl". IptIli~b1. bvl!lllll o QooI\IXIII:""""'" It.i''-r 0 UrowllllUq,gllr ~I~" a Olb... IsptQilyJ [!] j'!."...d U.il D.w61bpm.,,1 Itidar CJ a....du.u.fJ>.y"'...lJU<!... DY SIONINO BaLOW. Do"gl/fuu\IlI..... .lId I&l'HlllllM WltllU l!M"i.id ill'lli.l3..u~iI7In.l.u....nt.nrlln "'JI.i<luC.I~.tIl:wl"" ~1 1lw_..r4ftd r."",.dnl with it. eM f:p tJ,j;{j, c"~,!L~ ai"~(fw~~t,, Jl~~ A. C ($>0.11 -Ik,l'tuw.. 7/l1r' p )(. ,) j~ P11" (SuIJ .11............ n..ll .Jl~,......... (91.11 .I)o'fruw_r COMMOI'lWlIAl.TH OIII'l!NNiYI.V.4NIA., 'UJ,,,tl CLidSI;RI.,AfIIO CD""".'" 08 ,"il.tluo 11TH a.,.r Ot;TOIItR ,..nWlIII~ Ipp..ar.il CHRIIS'rOPHER J. CO\llQSKI AND JILL A. COWOm::1 ,lIn' .",.tottm~\b.4rU/I""t1i"n,;J"rr1lltJr, 'R' { kllDw"to.l\'Ib(Gflllitrrill,ril,pnou"I"'twt"'" po:"IUI(') wh.l.\io IIflll.hJ 1\lt>a;rilwJ 10 lh, Wllbltl Wltl.l....."lllKI .chnwt.lI,lcud t""l....J.It~;.~.~ " ...-.llrlllll.....',"l\>rttt.plIrpollO'IiI..t.l.t......l.i.n.t1. .;.. :...,.,..1[. ,.: IN WITN'BSS WHi;l:It.~Qfl, , bn.\m\llltt m., blAcI afld llfrio:iolll/lol. ;'~I;'~~';':'.1:"';~..;::/":~,:,, . M, OJqmi..ivn IIXplrM: SH!~g~~1AL S'=AL ...'~;~;';:.~.~~,~.~,'~;.,.~~,:.;':.'.~\.~., t:a.npll.t,~Nblll'l'~ _ .Mt: C,,~....~' ~~ ..riI"<fo.,~ O.l\l.... 1"', L'DO!J TIll.. lOr CDRTII1iC..'t1! 01' R.I!IJD..,HC8 I. ANN FURR 8001 NORTH STEMMDN$ bALlA&, TEXAS 7.~4; r~r:~AV ,tloll.,fb,OI:.lirr1Ilou}ul .Wj(A.I'llIJhfldH,11 'HI lt44rllif/J!ih."iu.lll.Uflllllr......!dlt dot OCTotlA . UiOO . ,'<to Jl"IlIU lA6Glt ANN PURII if't20tl5In sm,tRHDi tJ.JtD TRAN~ INC. f I) "'J-}.:....j I;/I.).~..> <" BDlIl1490 rilE .537 ,. . ~ .. -,-- , ~"AlJ L2GAL DESCRIPTION ALL ~T CnR~Ar,N trAc~ or paree~ o~ land ~ttuata in Vpper Allen ~ownShip. CUmbe~land County. Pennsylv~nia. shown ~5 Lot "'76, Plullile U. 8own'\an's Hill as" ciCl.Qr;!.bed in OLcoor<lanec; w:i,th the vin$l S~divisiDn PlaQ of Bowman'c Hill Ph~~e II reCQ~~d in Cuml:X!rlanc;l C;l;Jt,lnty Plan Book GB, Page 15. more parcic\'liH1.y ~Q~erihed a~ tollow5, to w1~; e~GINNING at a vo~nt on che north6~n right-~~-way line of Spring Valley ~.ne. a 50 toot risht-of-way, ~t the 80U~W9&tern eo~er of Lgt H?? on ~he at~~em~utiQn.d pl.n: th~nce alons ~~io nor~h~rn 41gbt~Ofw~ay line Of Sp~in~ valley L~ne South GS ~ograaB OS ~~nuteB 4~ Ap.conds w.~~ a d~~tance ot!9S.46 ~~Gt to a poi~t ~C tbe S01Jt:b"""StBt"n corner or Lot t#75 on the ator~e.n.t;;ione.d pian; thgnce along said Lot ~?S NQ~th '4 degrees S4 ~inutBs 17 ae~OnO$ Wes~ a diat&nce of 116.12 ~ee~ to a point at tbe SQuthern line at lands now or !Ormer1y or K~neth R. White ana Martha C. white: tben~e along 6aiQ lanOc now or formerly or N~ltc North 63 de9ree~ 53 ~inutQs 59 seconds last a di.~ance 0' as.4S feet to a point at thCJ nO:l;"thW4stern cox-ner ot Lot _77 on t:h.~ o.i;Ql,:'~Mntio~\e<1 p~lm; thence along said Lot #11 Soutb ~. d99rees S4 minute~ 17 seconds Ea~t a di~~an~. gf ~l?Pl f9~t to ~ point and pla~~ Q~ aB~~NNtNG, CONTAINING ID1000 ~quare teet. UNDER AND SVBJEC~, Nev~~t:h~less. to t~ 6~roe conditions, reBtric~ions, exceptions and reservat1on~ .. e~~$t by virtue ot prior recorded instruments, deeds and conv$yanQo$. ae!NG ~HB SAM! PRBMISB8,WHICH David R. Thom~$O~ ~nd benise v. Thompson, by their deed to be recorded ~im~l~ane~~$ly herewith. in the office of the Recorder of Deeds of CUmberlan4 Co~n~y. gr~~t~d and conveyed unto Christopher w. Cowoyki and Jill A. COwoski. "d490'lCt .538 " 1, '\"1.' I ;< ~ ~ I' . :. , , f~en.Ht. 4-'4,..II1.o1404I""6..10J(al pLANNED UNIT D&Vi:L.OPMSNT J=\IOr;R. THIS PlANNa) UNIT Dl:VMPllllENr R1D~ II made thI, laTH d~ of OCTOSER ,111518 ,and It IneOl"pQratad Into l!ld .tn~1 b. dlllJ/Tlad to amend ..,d lupplemlln1 1t1, lVIortgsge, Daad of Tr~ or Se~ltv O..d j"S.e:urity In.trun~t") Qf the lI'8m1lll da1:$ tliVlln by 1he IIldlllll'~\1"'I.d riorrowar"' to ,~. Borrower's Not., 1"No1.."I 10 FT hIORTO.AOI;!: COMI"ANII!S, D/B/A."'~ MQfII'rGAG! l'tender' of 1hll 1iillfT\' date ar\d C€lVIlr'ir'lg thll Property deso'ib.d Ir1 the Security InW\JmliJnt i1nd toe-IItad at G ~~RI~G VALLEY LANE, MtCH.AHICSBUAQ, ~ENksV~YANIA 11058 ~1IJIOH"\yMi4r"cl The Propllrty Ie 8 part Of . pllilI1I\8d unit dtlVltIOpmlilot ("PlJD") know!'. o.j: BOWMAN' Ii I LL CN,""", (I' PhnMld UlIll O"'~(lPmMU . PUO COV~A.Nn:. hi Jddition to ttw COVOI'\;lI'ltJ; 8I1d agrumt:ll'1l$ made In the S6curity lnll'trumant, 8orrO""lIlt IIInd lllndgr fLUth.r oovonllnl end 4iI~1Il' '" follows: A. So IOflg 83 the Owmlt;'. A5.[IIJclatron jOt _t;jl,liv;l.llIIm' en(Jly holding lit!. 10 COlT'lmon '1'.'$ ..nd facilltle.tl. .IQtil'lg' 81 trulltsa for ihll homeownSl's. tmintlina. wIth a grmrilrJlly a<;QItpIU insurance c.,.tivr, I "m8lter" Of' "bIar.ket' paller 1nf\.ll'lng thll proptit"ty IOc~tlld In tha P"Ub, IHl;luding all Improv~rrl'llnb now $X1,~lnQ Of' h'rliJiiftBr ottchld on the rY\Ortgotged prsmla81" .J/"Id ~ polIcy I, $i:ti$f.Ctory to Landsr and pr9vld", 11'IIIIur..n~ I;IQ'o'erage In the AI'l'IOlJtltl:. for 11111:I p.".iQd;,. and ,agaln,t Ihll hllIur'9$ lAnder requlre... !l'Ieluding fire II'Id ott"ll;lr haJ:ards Included within U1e term .llxia1\de~ covet"ll.gll." ono;! 10-518 by flDIXl 10 1tlII .Ktent requk"i:ld 1;1" 1111 Secretary, lh.n: (it Landa!' WiiV'5 the pJ"olfl:t;ltm, in P8I'agrapn 2 0' thj$ s.ecurity InatrutnOl\t for the l1'IOrltt\ly p.aytT1an~ to lel'M:ler' of CiIW-t\.Wlfth of tlMl y....ly pr.ml\.lr'n inriallrnanb fQ( hU.ard InSIJtIll~" QI1 the Pr'op.,rty. Ind "il BOrrQwliII!".v obllgfilclft ~ Paragraph 4 of thilJ SaCil.rlty InstrUll'\4lnt to malnllin haZ8rd In.ut.,c" l)Qv,,"4iIge on the propl!ll"ty iil deBmed ".tis,fltd to the .k10r1~ th8t 1ha requitl!ld coverags II provided bV the OWfl""" Anoclltlcn polioy. Borrow&' sM.11 give Lender pl'ompt rH)lioo Qf MY lapl. in r.qt.llred hu.ar'd in$I,lI'WlC& oC:OV8I'IOO fl'Jd of any loS$: o~utring from .. tw;qrd, In the ~ht of II dlstrlb,rtiQrl of hatat'U Il'I$l,II'W1CIl prOCl..411 in lieu of r.,torlltR)n or I'IlJM,lr following a IQs$ IQ t/18 Ptopsrtv Ql' to tn. common ....a;1l$ m faclUtlU of th8 PUD, any ptor:eed, p.vabl. to B(lrrowe'r lira h8l'~by .I~lco,(I' $/'Id Iml! b. p-'d to lend.,. for .ppl.40.tion to the SJ,Irn.jl liilcured by thill Security Il'ldn,ll'lKll'1t. with .an" 11)(1;1158 paid to thl!l entity 1IiIIg.ally entltll!d thereto. B, Borrower Pf'(ltni$lii to pay all C1lJ'$ and i888aRmatlt$. impQied purlwmt to ill, l.g..l 1r'18trI.RTlI~"~ l;reatlng and gov'l'ning tile POD. . C. If QQrrowlJ1' dQIlCi not p..y ~ dull" lII"Id .1IIill.jlSl'l'l8l'l(S whlln du., 1tten lender may pa,!, thel11. Any amounts dt$bur$lId hy Land", uhdlllr this paragreph C shill beooml adcl.itionll debt 0' BalTower Mcured by h Sll~rttv lnlltrumemt Unl.i11i11 borr<:Jwe( 1;Ind ltlnder agr.. 113 other tarmt of plIyment thasa ~untll mall bear In.tllll'.st from thl!l dllt, of dtebur..II'IBnI at tIw Nota r.te .nd stull be payable, with Inlllrll'l, v):llm notlas f(om I.ender to Borrow,r r.questll'lg p1vm'nt ,,,,1490 "G[ 0539 f"IDM, ~I/JIi FHA MUltl.~lItlll I"VD -Ald.r - 10/8S P-volafi! 111480110 " " . . Multlstate NOTE FHA CaBO No, 441-614448-5-703(BI OCTOBER 13,199B B SPRING VALLEY LANE, MECHANICSBURG, PENNSVLVANIA 1i055 (Property Address] I. PARTIES .Borrower~ moans each person signing at the end of this Note:. lIad: 1h)~ penon,,',s successors and lIuigns. "Lender" means FT MORTGAGE COMPANIES, D/B/A MNC MORtGAGE and its NCCCS50n and e.uign,. 2. BORROWER'S PROMISE TO PAY; INTERBST In return for a 1011.0 received from LOndar. Borrower promisostQ:peytbti:principal sum of ONE HUNDRED FOURTEEN THOUSAND SfK HUNDRED ANO NOJ100 (U,S. $ 114 ,f100. DO l. plus interest. to the order of u.nder. Interest will be' c:hlltgod on unpaid principal. Jato of disbursement of the 10110 proceeds by Lender, lit 1he fGte of SEVEN AND NO), 000 ( 7 .00 D % I per year \lfI.til the full atUount tlf the principll ha.s been pllid. Dollus from the percent 1, PROMlSE TO PAY SECURED BOHlJWer.s promise to pay is secured by . mortgage, deed of trust or similar security instr\lment that is dated thll same date as this Note Ill'l.d called the .Swurity Instrument." Tbe Security Instrument protects tne Lender from 105ses which might result if Borrower defaults under this Note, 4. MANNE~ OF PA YMBNT (A) Time BorrOWer shall make a payment of principal and inten;stto lA::ndor on the first day of caeh month beginning on DECEMBER, 1 1998 Any principal and ii:lt~te$trf;!;rnaIDi~g\?~ t;~~, first day of NOVEMBER 2028 , will be due on thllt date, which is' cll'Ued the maturity dllle. (B) Place Payment shall be made at 800' NORTH STEMMONS FREEWAY DALLAS. TEXAS 76247 or at lueh place as Lender mllr designate in writing by notice to Borrower. (el Amount Each monthly paymt>.llt of principal and interest will bo in the amount of U.s, $ 162,44 This amount will be part of II larger monthly p.ymont required by the Security Instrument, that Inall be applied to principlll, interest and other itelt1s in the order described in the Security Instrument. (D) Al1ong~ 10 this nolc for paym.ent adjustm.ents If an allonge providing for payment adju$1ments is executed by Borrower together with thi5 Note, the CQVenGnt5 of lhe ll110nge $hllJJ be jneorponltea jato ~nd Jlh.llll .IIDlenO and supplement the covenonts of this Note u if the dlongtl were a parl of this Note, (Check applicable box.l o Gndu6t~ Payment Allonge o G rowing Equity Allonge o Other [specify] 5. BORROWER'S RIGHT TO PR.EPA Y Borrower has the right to pay the debt ovidenced hy this Note, in wholeQr in put, without charge or penalty, on ,he fint dlily of any month. Lender ahall accept prepayment on other dllya ;pr:qv~de4:thatborrowet PllYI interest on the IImount prepaid for the remaindllr of the monlh 10 the 81tMt required by Lender and pe~m!tted by regulationll of the Secretary. If BorrOWer makes II flartial prepayment, there will be no changes in the due dote or in the amO\lnt of the rn.onthly pllyment unless Lendllr agrees in wriling to thoso changes. ' MULTlSTATE FHA NUll: SP21/1,04195 Pag~ I III 2 FHA Multlstate Fixed Rate Note - 10r95 ".BO''''\/' ~~\T \\6" 6. BORROWER'S FAILURE TO PAY (AJ Late Chuge for Overdue PlI.ymClAts If Lender has nol reGeil'ed the full montbly paymll.tl.t required by the Security Instrument, as describlld ill Puegnph 4(C) of this Note., by theend'o'f fifteen calendllt days after the payment is due, Lender may colll:Ct a late charge in the llmount of ~OUR AND "NO/10a perCflnt ( 4,00 %) of the OVlIrdutI amount of ellch ptl}'ment. (B) Default \,'<,. If Borrower deta'uB~ by f~ili~:k,'I"~Y ia'ful!(J,fty monthly p.tYIllent. 'llie.n Lender may, except as limited by regulations of the SecretClry in the case 'of p'o.y~ent defaulu., require immediate payment in full of tbe principal bal~nce remainillg due and illI 6c<;rUed interest. Lender may choose not to exercise this optiol'l. without wtliving its rigbts in the ovent of llnysubs~quen(dehult:lll lnan)' circumstances rlljuluions issued by the Secretar}' will limit Lender's rights to rllq'l1ir~\mDi:ediate pay~enl in full i.n the case of payment defaults. This Note doe~ not authori2.e acceleration when not pc:rmitt~d, by HUD reg\l,latiolls, As used in th.is Note, "Secretllry. means the Secretllry of Housing pnd Urball De~elopm~~t ~r 'his~ 0; her designee Ie) Payment of Costs. and Expenses If Lender hIlS required immediate payment in f\lll, n described above, Lender may require Borrower to pay costs and expenses including rellaonable and customary attorney's. fees for enforcing this Note to the eltllnt not prohibited by applicable law. Such fees and costs shllll bear interest from the date of disbursement at the same mte tIS the principe! of this Note. 7. WAIVERS BorrOWer aDd any other person who has obligations under this Note waivl) the rigbts of preSentffit:nt and notice of dishonor, .Presentment" means the right to require Lender to demand payment of amounts due. .Notice of dishonor" means th\;l right to require Lender to give notice to other persons that amounts due have not been paid. 8. GIVING OP NOTICES Unless applicab161aw requires II differenl,mel.l}od.llny noliu> thai rowl be Iliven \0 Borrower under this Note will be l:ivt:n by delivering it or by mai!ingjtby ,first c]~ssmaillo I;Iorrower at the property address above or at II diffCrtlnt address if Borrowt:r hilS given Lender II notice of Borrower's different llddress. An}' notice that must be given to Lender under this Note will be given by rirst class mail to Lend..:r at the addrllss ~tlltet.l in Pangraph 4(81 or at adifferllrl.t Addresil if Borrower is given a notice of that different address. 'I. QBLlGA nONS DF PERSONS UNDER THIS NOTE If more lhan one person signs this Note, each person is fully llnd personally obligated to keep 1111 of the promises made in this Note, including the promise to pay tb.e full amount owed. Any penon who is a guarantor, surety or endorser of this Nottl is tllso obligatlld to do these things. Any penon who 'akes over these Obligations. including the obligations of II guarantor, surety or en.dorser of this Note. is IIlso obligated to k~p aU of the promises made in thi, Note, Lender may enforce its rights under this Note against ellch person individulllly or llgain~t all signatories together. Anyone person signing this Note mllY be required to pay till of the amounb owed under this Note. BY SIGNING BBLOW. BartQwer accepts ~nd agrees 10 lhe terms and CDvenants cpnta.iOtld io this Note. CH~1kf !co4! (Seal) Borrower 4,JL"'"J ~ (Seal} Borrower (SelllJ Borrower PAY TO THE ORDER OF (Seal) Borrower ~: ~,~ fIP prJO ~ 1P without recourse FT MORTGAGE COMPANIES dba MNC Mortgage ~ Robert M. Wolno. Vice President SPlIB04/S6 Page Zot Z . . VERIFICATION Ilana Zion, Esquire hereby states that she is the Attorney for the Plaintiff in this action, that she is authorized to make this Verification as the Plaintiff is outside the jurisdiction of the Court and Plaintiff's verification could not be obtained within the time necessary to file this pleading, and that the statements made in the foregoing Complaint in Mortgage Foreclosure are true and correct to the best of her knowledge, information and belief. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa,C,S, See, 4904 relating to unsworn falsification to authorities, SHAPIRO & KREISMAN BY: llana Zion, uire Attorney for Plaintiff Dated:! / ~ '1' /0 S- C) --.-n --k7 .-4 "Y'> -;c., ~ .>; l,... ~ ~ \ - ...,.., J\ . r..? - (:) - 7':::> -. L-. (,'. !s~ - - (} (J\\ (S'--. \ .... ~ , U\ ..s:. 0 \3 ~. \) -..J SHERIFF'S RETURN - REGULAR CASE NO: 2005-03920 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND FIRST HORIZON HOME LOAN CORP VS COWOSKI JILL ET AL DAVID MCKINNEY Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon COWOSKI JILL AKDA JILL A COWOSKI the DEFENDANT , at 1909:00 HOURS, on the 16th day of August at 6 SPRING VALLEY LANE 2005 MECHANICSBURG, PA 17055 by handing to CHRISTOPHER COWOSKI ADULT IN CHARGE 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 Aft idavi t Surcharge 18.00 8.80 .00 10.00 .00 36.80 s;;;/ ~~ R. Thomas Kline 08/17/2005 SHAPIRO & KREISMAN Sworn and Subscribed to before By: t/-~~ Deputy Sheriff me this ~.3I?P day of tutus( ~ A.D. ~~tary. SHERIFF'S RETURN - REGULAR CASE NO: 2005-03920 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND FIRST HORIZON HOME LOAN CORP VS COWOSKI JILL ET AL DAVID MCKINNEY Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, was served upon says, the within COMPLAINT - MORT FORE the COWOSKI CHRISTOPHER AKA CHRISTOPHER J COWOSKI DEFENDANT , 2005 , at 1909:00 HOURS, on the 16th day of August at 6 SPRING VALLEY LANE MECHANICSBURG, PA 17055 by handing to CHRISTOPHER COWOSKI 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 Sworn and Subscribed to before me this a3W day of J 4rl.i;ufr f:>>~. prota~~/ S<~r~ ~ R, Thomas Kline 08/17/2005 SHAPIRO & KREISMAN By: n ././~L. ..// - t/ /7/ /7:; _ Deputy s~ SHAPIRO & KREISMAN, LLC BY: JOSEPH REJENT, ESQUIRE ATTORNEY I.D. NO: 59621 2520 RENAISSANCE BLVD" SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 05-24504 First Horizon Home Loan Corporation 1Jk/a FT Mortgage Companies d/b/a MNC Mortgage 1665 Palm Beach Lakes, Suite 105 West Palm Beach, FL 33401 COURT OF COMMON PLEAS CUMBERLAND COUNTY NO:05-3920 PLAINTIFF VS, Jill Cowoski alk/a Jill A, Cowoski and Christopher Cowoski alk/a Christopher J, Cowoski DEFENDANT(S) PRAECIPE TO SUBSTITUTE VERIFICATION TO THE PROTHONOTARY: Kindly substitute the attached Verification to the Complaint in the above-captioned civil action, Respectfully Submitted, SHAPIRO & KREISMAN BY: ~Q/ JO HREJ NT, ESQUIRE Attorneys for Plaintiff First Horizon Home Loan Corporation f/k/a FT Mortgage Compies d/b/a MNC Mortgage v. Jill Cowoski aka Jill A, Cowoski and Christopher Cowoski aka Christopher J. Cowoski VERIFICATION The undersigned, an officer ofthe Corporation which is the Plaintiff in the foregoing Complaint or an officer of the Corporation which is the servicing agent of Plaintiff, and being authorized to make this verification on behalf of 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 best of the knowledge, information and belief of the undersigned. I UNDERSTAND THAT F ALSE STATEMENTS HEREIN ARE MADE SUBJECT TO THE PENALTIES OF PA,C,S, SECTION 4904 RELATING TO UNSWORN FALSIFICATION TO AUTHORITIES. Date: Loan: 0009148099 05-24504 FIRST F('\Pi7.n~,1 liff" r::' ,Ui ,......~';,. t i'.." :', 'I' '''I .""':~, :~'. ..'~. ~_, ,.._, >'"". . .. c c-' 0 c.::> C c:) 'TI ~n C') :~ G -l N -.,." ( , ~-1 -, <::5' o OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS Cumberland County Clerk Cumberland County Courthouse 1 Courthouse Square Carlisle, P A 17013 PROTHONOTARY'S OFFICE Prothonotary TO: Christopher Cowoski alk!a Christopher J, Cowoski 6 Spring Valley Lane Mechanicsburg, P A 17055 First Horizon Home Loan Corporation f/kJa FT Mortgage Companies d/b/a MNC Mortgage PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY vs, NO:05-3920 Jill Cowoski alk!a Jill A, Cowoski and Christopher Cowoski alk!a Christopher J, Cowoski DEFENDANT(S) NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the ab??roceeding as indicated below. p~;rONOTAR' Prothonotary [XX] Judgment by Default [ ] Judgment for Possession [ ] Judgment on Award of Arbitration [ ] Judgment on Verdict [ ] Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: ATTORNEY JOSEPH REJENT, ESQUIRE AT (610) 278-6800, OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEASCumberland County Clerk Cwnberland County Courthouse I Courthouse SquaIe Carlisle, P A 17013 PROTHONOTARY'S OFFICE Prothonotary TO: Jill Cowoski a!k/a Jill A. Cowoski 6 Spring Valley Lane Mechanicsburg, P A 17055 First Horizon Home Loan Corporation f/kJa FT Mortgage Companies d/b/a MNC Mortgage PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY vs, NO:05-3920 Jill Cowoski alk/a Jill A. Cowoski and Christopher Cowoski alk/a Christopher J, Cowoski DEFENDANT(S) NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indi ated below. PRJ?~y, Prothonotary [XX] Judgment by Default [ ] Judgment for Possession [ ] Judgment on A WaId of Arbitration [ ] Judgment on Verdict [ ] Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: ATTORNEY JOSEPH REJENT, ESQUIRE AT (610) 278-6800, SHAPIRO & KREISMAN, LLC BY: JOSEPH REJENT, ESQUIRE ATTORNEY 1.0. NO: 59621 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 05-24504 First Horizon Home Loan Corporation f/k/a FT Mortgage Companies d/b/a MNC Mortgage PLAINTIFF vs. NO:05-3920 Jill Cowoski alk/a Jill A. Cowoski and Christopher Cowoski alk/a Christopher J. Cowoski DEFENDANT(S) PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES Enter Judgment IN REM in the amount of$113,214.59 in favor of the Plaintiff and COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY against the defendants, jointly and severally, for failure to file an answer to Plaintiffs Complaint in Mortgage F orec1osure within 20 days from service thereof and assess Plaintiffs damages as follows and calculated as stated in the Complaint: Principal of mortgage debt due and unpaid Interest at 7% from January 1, 2005 to September 30, 2005 (273 days @ $20.32 per diem) Late charges (for certain months prior to default and every month after at a rate of $41.42 per month) Escrow Balance (A credit to the Defendant) Suspense/Unapplied Balance Mortgage Insurance Premium Title Search Report Fees Attorneys Fees (As stated in Complaint) TOTAL AMOUNT DUE $105,937.78 $5.547.36 $495.80 ($529.90) ($72.37) $85.92 $250.00 $1,500.00 ()in t. $113,214.59 l.f JO~ Rejent, Esquire Attorney for Plaintiff AND NOW, judgment is entered in favor of the Plaintiff and against the Defendant(s) and damages are assessed as above in the sum of$113,214.59. BY: ,c~ P"iliy. SHAPIRO & KREISMAN, LLC BY: KEVIN DISKIN, ESQ., JOSEPH REJENT, ESQ., AND ILANA ZION, ESQ. ATTORNEY I.D. NOS. 86727, 59621 & 87137 2520 RENAISSANCE BL YD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 05-24504 First Horizon Home Loan Corporation f/k/a COURT OF COMMON PLEAS FT Mortgage Compies d/b/a MNC Mortgage CUMBERLAND COUNTY 4000 Horizon Way Irving, TX 75063 NO: PLAINTIFF VS. Jill Cowoski aka Jill A. Cowoski and Christopher Cowoski aka Christopher J. Cowoski 6 Spring Valley Lane Mechanicsburg, P A 17055 DEFENDANTS STATE OF: .TEXAS COUNTY OF: ---OAI Lf\.S AFFIDAVIT OF NON-MILITARY SERVICE THE UNDERSIGNED being du1y sworn, states that he/she is over the age of eighteen years and competent to make this affidavit and the following averments are based upon investigations made and records maintained either as Plaintiff or servicing agent of the Plaintiff and that the above-captioned Defendants' last known address is as set forth in the caption and they 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 amended. First Horizon Home Loan Corporation f/k/a FT Mortgage Compies d/b/a MNC Mortgage By: 05-24504 SHAPIRO & KREISMAN, LLC BY: ILANA ZION, ESQUIRE ATTORNEY J.D. NO: 87137 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 05-24504 First Horizon Home Loan Corporation f/k/a FT Mortgage Compies d/b/a MNC Mortgage PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 05-3920 VS. Jill Cowoski a/k/a Jill A. Cowoski and Christopher Cowoski a/k/a Christopher J. Cowoski DEFENDANTS CERTIFICATION OF MAILING NOTICE UNDER RULE 237.1 The undersigned hereby certifies that a Written Notice of Intention to File a Praecipe for the Entry of Default Judgment was mailed to the defendant (s) and to his, her, their attorney of record, if any, after the default occurred and at least (10) days prior to the date of the filing of the Praecipe. Said Notice was sent on the date set forth in the copy of said Notice attached hereto, September 7,2005 to the following Defendants: Jill Cowoski alk/a Jill A. Cowoski 6 Spring Valley Lane Mechanicsburg, P A 17055 Christopher Cowoski alk/a Christopher J. Cowoski 6 Spring Valley Lane Mechanicsburg, P A 17055 Marquita Sadler, Legal Ass to Ilana Zion, Esquire for Shapiro & Kreisman, LLC SHAPIRO & KREISMAN, LLC BY: ILANA ZION, ESQUIRE ATTORNEY J.D. NO: 87137 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 05-24504 First Horizon Home Loan Corporation f/k/a FT Mortgage Compies d/b/a MNC Mortgage PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 05-3920 VS. Jill Cowoski alk/a Jill A. Cowoski and Christopher Cowoski aIkIa Christopher J. Cowoski DEFENDANTS NOTICE OF INTENTION TO TAKE DEFAULT UNDER Pa.R.C.P. 237.1 IMPORTANT NOTICE TO: Jill Cowoski a/k/a Jill A. Cowoski DATE OF NOTICE: September 7, 2005 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 (10) 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 notice to a lawyer at once. If you do not have a lawyer or cannot afford one, go to or telephone the following office to find out where you can get legal help: Cumberland County Lawyer Referral Service Telephone: 717-249-3166 Cumberland County Bar Association 32 South Bedford Street Carlisle, P A 17013 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTlFICACION IMPORT ANTE Usted se encuentra en estado de rebeldia por no haber tornado la accion requirida de su parte en este caso. AI no tomar la accion debida dentro de un termino de diez (10) dias de la fecha de esta notificacion, el tribuna podra, sin necesidad de compararecer usted in corte 0 escuchar preuba alguna, dictar sentencia en su contra. Usted puede perder bienes y otros derechos importantes. Debe lIevar esta notificacion a un abogado immediatamente. Si usted no tiene abogado 0 si no tiene dinero suficiente para tal servicio, vaya en persona 0 lIame por telefono a la oficina cuya direccion se encuentra escrita abajo para averiguar donde se puede conseguir assitencia legal: Cumberland County Lawyer Referral Service Telephone: 717-249-3166 Cumberland County Bar Association 32 South Bedford Street Carlisle, P A 17013 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. PERSONS TO WHOM RULE 237.1 NOTICE SENT TO: Jill Cowoski a/k/a Jill A. Cowoski 6 Spring Valley Lane Mechanicsburg, P A 17055 Christopher Cowoski a/k/a Christopher J. Cowoski 6 Spring Valley Lane Mechanicsburg, P A 17055 l~l~ Ilana Zion, Esqu Shapiro & Kreisman, LLC Attorney for Plaintiff SHAPIRO & KREISMAN, LLC BY: ILANA ZION, ESQUIRE ATTORNEY J.D. NO: 87137 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 05-24504 First Horizon Home Loan Corporation f/k/a FT Mortgage Compies d/b/a MNC Mortgage PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 05-3920 VS. Jill Cowoski a/k/a Jill A. Cowoski and Christopher Cowoski aIkIa Christopher J. Cowoski DEFENDANTS NOTICE OF INTENTION TO TAKE DEFAULT UNDER Pa.R.C.P. 237.1 IMPORTANT NOTICE TO: Christopher Cowoski a/k/a Christopher J. Cowoski DATE OF NOTICE: September 7,2005 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 (10) 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 notice to a lawyer at once. If you do not have a lawyer or cannot afford one, go to or telephone the following office to find out where you can get legal help: Cumberland County Lawyer Referral Service Telephone: 717-249-3166 Cumberland County Bar Association 32 South Bedford Street Carlisle, P A 17013 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT TillS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTlFICACION IMPORT ANTE Usted se encuentra en estado de rebeldia por no haber tomado la accion requirida de su parte , en este caso. AI no tomar la accion debida dentro de un termino de diez (10) dias de la fecha de esta notificacion, el tribuna podra, sin necesidad de compararecer usted in corte 0 escuchar preuba alguna, dictar sentencia en su contra. Usted puede perder bienes y otros derechos importantes. Debe lIevar esta notificacion a un abogado immediatamente. Si usted no tiene abogado 0 si no tiene dinero suficiente para tal servicio, vaya en persona 0 Uame por telefono a la oficina cuya direccion se encuentra escrita abajo para averiguar donde se puede conseguir assitencia legal: Cumberland County Lawyer Referral Service Telephone: 717-249-3166 Cumberland County Bar Association 32 South Bedford Street Carlisle, P A 17013 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. PERSONS TO WHOM RULE 237.1 NOTICE SENT TO: Jill Cowoski alk/a Jill A. Cowoski 6 Spring Valley Lane Mechanicsburg, P A 17055 Christopher Cowoski alk/a Christopher J. Cowoski 6 Spring Valley Lane Mechanicsburg, PA 17055 ~ ~6Y\ IJana Zion, Esquir Shapiro & Kreisman, LLC Attorney for Plaintiff SHAPIRO & KREISMAN, LLC BY: JOSEPH REJENT, ESQUIRE ATTORNEY 1.0. NO: 59621 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, P A 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 05-24504 First Horizon Home Loan Corporation f/k/a FT Mortgage Companies d/b/a MNC Mortgage PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY vs. Jill Cowoski alk/a Jill A. Cowoski and Christopher Cowoski alk/a Christopher J. Cowoski DEFENDANT(S) NO:05-3920 CERTIFICATION OF ADDRESS I hereby certify that the correct address of the judgment creditor (Plaintiff) is: First Horizon Home Loan Corporation f/k/a FT Mortgage Companies d/b/a MNC Mortgage 1665 Palm Beach Lakes, Suite 105 West Palm Beach, FL 33401 and that the last known addressees) ofthejudgment debtor (Defendant(s)) is: Jill Cowoski alk/a Jill A. Cowoski 6 Spring Valley Lane Mechanicsburg, P A 17055 Christopher Cowoski alk/a Christopher J. Cowoski 6 Spring Valley Lane Mechanicsburg, P A 17055 SHAPIRO & KREISMAN, LLC BY: JOS~cleftire Attorney for Plaintiff 05-24504 SHAPIRO & KREISMAN, LLC BY: JOSEPH REJENT, ESQUIRE ATTORNEY J.D. NO: 59621 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, P A 19406 TELEPHONE: (610) 278-6800 S & K PILE NO. 05-24504 First Horizon Home Loan Corporation f/k/a FT Mortgage Companies d/b/a MNC Mortgage PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY vs. Jill Cowoski a/k/a Jill A. Cowoski and Christopher Cowoski alk/a Christopher J. Cowoski DEFENDANT(S) NO:05-3920 CERTIFICATE OF SERVICE I, Joseph Rejent, Esquire, Attorney for the Plaintiff, hereby certify that I have served by first class mail, postage prepaid, true and correct copies of the attached papers upon the following person( s) or their attorney of record: Jill Cowoski a/k/a Jill A. Cowoski 6 Spring Valley Lane Mechanicsburg, P A 17055 Christopher Cowoski alk/a Christopher J. Cowoski 6 Spring Valley Lane Mechanicsburg, P A 17055 Date mailed: \~iI \~ \~') , SHAPIRO & KREISMAN, LLC BY: Jose9igtuire Attorney for Plaintiff (j ,...0 <;:.:) C} (~. (:.~) -n c:. \71- <:.J1 0 (~ :.-:::1 -r --0 (') (-:10 a - ,--', ~ ~. ~, ..(.,;, ~ a {'o) ~ ~ - -<:l " Sl. -..'" -=-, ~ if, - ::5 ~ .' ...p oQ (.:' ~ Vi -. ~. --.\ 0J ~ - .s.. -.0 ").) g -t -t- - ~ ~ \N IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION PRAECIPE FOR WRIT OF EXECUTION First Horizon Home Loan Corporation, et al ( ) Confessed Judgment ( ) Other Fiie No. 05-3920 Amount Due $113,214.59 Interest From 10/1/05 to 3/8/06 $3.451.89 Ally's Comm Costs vs. Jill Cowoski a/kla Jill Cowoski & Christopher Cowoski a/kla Christopher J. Cowoski TO THE PROTHONOTARY OF THE SAID COURT: The undersigned hereby certifies that the below does not arise out of a retail installment sale, contract, or account based on a confession of judgment, but if it does, it is based on the appropriate original proceeding filed pursuant to Act 7 of 1966 as amended; and for real property pursuant to Act 6 of 1974 as amended. Issue writ of execution in the above matter to the Sheriff of Cumberland County, for debt, interest and costs, upon the following described property of the defendant(s) PRAECIPE FOR ATTACHMENT EXECUTION. Issue writ of attachment to the Sheriff of Cumberland County, for debt, interest and costs, as above, directing attachment against the above-named garnishee(s) for the following property (if real estate, supply six copies of the description; supply four copies of lengthy personalty list) , and all other property of the defendant(s) in the possession, custody or control of the said garnishee(s). (Indicate) Index this writ against the garnishee(s) as a lis pendens against real estate of the defendant(s) described in the attached exhibit. Attorney for: Supreme Court 10 91-41 Joseph Rejent, Esquire 2520 Renaissance Blvd.. Ste.150 King of Prussia, PA 19406 Plaintiff 59621 Date /O/; P/D-) I Signature: Print Name: Address: (over) (j 'c."> C) -\1 C ~.) u' ~ 'I:>'\- ~/ c:> ~ 0\ -r -<:A- 0 '> "I- ~ ~ d .;:,. ~ ....,J 1~ \J\ r--J -'.:. ~ '6 _ ~ /;")>0 ~ 'b '?> ~. .. ~ ~''''6 . c.a ~ ~ v~ -0 t,.,;'. -- -.. ..... 13.- so- ~?l ...... V\, r-- -' '-" <><) - .-l ~ 0j , ~ ~ ~ ~ "' \)J ,. ~ -ot> '-> -"> + " -+- -- VI ~ <.",..)- ------- - ALL THAT CERTAIN tract or parcel of land situate in Upper Allen Township, Cumberland County, Pennsylvania, shown as Lot #76, Phase II, Bowman's Hill as described in accordance with the Final Subdivision Plan of Bowman's Hill Phase II recorded in Cumberland County Plan Book 68, Page 15, more particularly described as follows, to wit: BEGINNING at a point on the Northern right-of-way line of Spring Valley Lane, a 50 foot right- of-way, at the Southwestern corner of Lot #77 on the aforementioned plan; thence along said Northern right-of-way line of Spring Valley Lane South 65 degrees 05 minutes 43 seconds West a distance of 85.46 feet to a point at the Southeastern corner of Lot #75 on the aforementioned plan; thence along said Lot #75 North 24 degrees 54 minutes 17 seconds West a distance of 16.12 feet to a point at the Southern line of lands now or formerly of Kenneth R. White and Martha C. White; thence along said lands now or formerly of White North 63 degrees 53 minutes 59 seconds East a distance of 85.48 feet to a point at the Northwestern corner of Lot #77 on the aforementioned plan; thence along said Lot #77 South 24 degrees 54 minutes 17 seconds East a distance of 117.91 feet to a point and place of BEGINNING. CONTAINING 10,000 square feet. BEING the same premises which David R. Thompson and Denise P. Thompson, his wife, by Deed dated October 13, 1998 and recorded in the Cumberland County Recorder of Deeds Office on October 20,1998 in Deed Book 187, Page 501, granted and conveyed unto Christopher J. Cowoski and Jill A. Cowoski, his wife. COMMONWEALTH OF PENNSYL VANIA COUNTY OF CUMBERLAND SS First Horizon Home Loan Corporation f/k/a FT Mortgage Companies d/b/a MNC Mortgage PLAINTIFF No: 05-3920 VS. WRIT OF EXECUTION: Jill Cowoski alk/a Jill A. Cowoski and Christopher Cowoski alk/a Christopher J. Cowoski DEFENDANT(S) MORTGAGE FORECLOSURE TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the judgment, interest and costs in the above matter, you are directed to levy upon and sell the following described property: 6 Spring Valley Lane, Mechanicsburg, P A 17055 See attached legal NOTE: Description of property may be included in, or attached to the Writ. Amount Due $113,214.59 Interest from October 1, 2005 to March 8, 2006 $3,451.89 Costs to be added Seal of Court ~ Date: Deputy Prothonotary ~ <';> \Il a ~ ~ ~~ ,; ~ -g~ g~ .~u %.~ 8~ ~~ o oft .;,'~ e~ &~ 1::lU ~~ 'Co <l o ~ p:: 0 :;'$ P-< ,;, ". '~ '8 '" ~ '" o ~? u i<I ~ .d-..,.:l4, ..-I ~p.. -. ~ . ~ ~ on ,; '? 'i:l ~ oll"% '~'%:~ '8 tf) -'a ~"'~ 8 ~ ::a ~ .~ oft o ~ U ~ 'is ~ ~.,? o\a~ t\.,.:l4, '~ t'P-<. u~oll ~'?:% ""a 00 rJ ,~,~'1'\ oft P. ~ Otf)~ 8 '" '$ 'is ~ .s .~ u ~ 5 ~ ., ~ ~u 's '" '5 ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ 0 ~ 11> ~ " o ~ ~ ~ % ~ ~u tf) ~ e~~~ e ...~ ~ ~~~..t. ~... P-< e""~.J; 'a ~ u .... 't~~~ \;li1 tf)';;J ~ tf) rt. ~~~P-< .~%~~ .#<~.~~ ~~~~ ~tf)"","" ,~ WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NOO5-3920 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due FIRST HORIZON HOME LOAN CORPORATION F/K/A FT MORTGAGE COMPANIES D/B/A MNC MORTGAGE Plaintiff (s) From JILL COWOSKI AlK/A JILL A. COWOSKI AND CHRISTOPHER COWOSKI AlK/A CHRISTOPHER J. COWOSKI, 6 SPRING VALLEY LANE, MECHANICSBURUG, PA 17055 (I) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DISCRITlON (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) 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 he/she has been added as a garnishee and is enjoined as above stated. Amount Due$113,214.59 L.L.$.50 Interest from Oct. 1, 2005 to March 8, 2006 $3,451.89 Atty's Comm % Due Prothy $1.00 Atty Paid $134.80 PlaintitTPaid Date: October 12, 2005 Other Costs (Seal) By: Deputy REQUESTING PARTY: Name Joseph Rejent, Esq. Address: 2520 Renaissance Blvd. Suite 150 King of Prussia, P A 19406 Attorney for: Plaintiff Telepbone: Supreme Court ID No. 59621 1 HUe: COPY FROM RECORD III TIJllOOlonywllerool, i 118m amt!) ~~'!wld ;r;ll trill ~I 01 said Court :It Car1iSle. PI. ftli3 Iblt A~~~= ro!hll'l"'~, . SHAPIRO & KREISMAN, LLC BY: JOSEPH REJENT, ESQUIRE ATTORNEY J.D. NO: 59621 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 05-24504 First Horizon Home Loan Corporation f/k/a FT Mortgage Companies d/b/a MNC Mortgage PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 05-3920 vs. Jill Cowoski alk/a Jill A. Cowoski and Christopher Cowoski alk/a Christopher J. Cowoski DEFENDANTS AFFIDAVIT PURSUANT TO RULE 3129.1 First Horizon Home Loan Corporation f/k/a FT Mortgage Companies d/b/a MNC Mortgage, Plaiutiffin the above action, sets forth, as of the date the praecipe for the writ of execution was filed, the following information concerning the real property located at 6 Spring Valley Lane, Mechanicsburg, P A 17055. 1. Name and address of Owner(s) or Reputed Owner(s) Jill Cowoski alk/a Jill A. Cowoski 6 Spring Valley Lane Mechanicsburg, P A 17055 Christopher Cowoski alk/a Christopher J. Cowoski 6 Spring Valley Lane Mechanicsburg, P A 17055 2. Name and address of Defendant(s) in the judgment: Jill Cowoski alk/a Jill A. Cowoski 6 Spring Valley Lane Mechanicsburg, P A 17055 Christopher Cowoski aIkIa Christopher J. Cowoski 6 Spring Valley Lane Mechanicsburg, P A 17055 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: First Horizon Home Loan Corporation f/k/a FT Mortgage Companies d/b/a MNC Mortgage 1665 Palm Beach Lakes, Suite 105 West Palm Beach, FL 33401 4. Name and address of the last recorded holder of every mortgage of record: First Horizon Home Loan Corporation f/k/a FT Mortgage Companies d/b/a MNC Mortgage, Plaintiff 1665 Palm Beach Lakes, Suite 105 West Palm Beach, FL 33401 5. Name and address of every other person who has any record lien on the property: Upper Allen Township 100 Gettysburg Pike Mechanicsburg, P A 17055 US Treasury Dept., Pittsburgh Office 1000 Liberty Avenue Pittsburgh, PA 15222-9974 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Cumberland County Domestic Relations, 13 North Hanover Street, Carlisle, P A 17013 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: TENANT OR OCCUPANT 6 Spring Valley Lane Mechanicsburg, P A 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. Section 4904 relating to unsworn falsification to authorities. SHAPIRO & KREISMAN, LLC BY: ~j9it:qUire 05-24504 '- r) C..'_ ...., C;:J C) <:Jl (:::1 Coo; -, o -n =::! r~' C...1 -.l SHAPIRO & KREISMAN, LLC BY: JOSEPH REJENT, ESQUIRE ATTORNEY J.D. NO: 59621 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 05-24504 First Horizon Home Loan Corporation f/k/a FT Mortgage Companies d/b/a MNC Mortgage PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 05-3920 vs. Jill Cowoski alk/a Jill A. Cowoski and Christopher Cowoski alk/a Christopher J. Cowoski DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Jill Cowoski alk/a Jill A. Cowoski 6 Spring Valley Lane Mechanicsburg, P A 17055 Your house (real estate) at: 6 Spring Valley Lane, Mechanicsburg, PA 17055 42-29-2454-255 is scheduled to be sold at Sheriffs Sale on March 8, 2006 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at 10:00 AM, to enforce the court judgment of$113,214.59 obtained by First Horizon Home Loan Corporation f/k/a FT Mortgage Companies d/b/a MNC Mortgage against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to First Horizon Home Loan Corporation f/k/a FT Mortgage Companies d/b/a MNC Mortgage the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (610) 278-6800. 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 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 of 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. 4. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610) 278-6800. 5. 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. 6. The sale will go through only ifthe buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call 717-240-6390. 7. 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. 8. You have a 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. 9. 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 no later than thirty (30) days from the date of the sale. This schedu1e will state who will be receiving the 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 the date of filing of said schedule. 10. You may also have other rights and defenses or ways of getting your house 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. Cumberland County Lawyer Referral Service Telephone: 717-249-3166 Cumberland County Bar Association 32 South Bedford Street Carlisle, P A 17013 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. ALL THAT CERTAIN tract or parcel ofland situate in Upper Allen Township, Cumberland County, Pennsylvania, shown as Lot #76, Phase II, Bowman's Hill as described in accordance with the Final Subdivision Plan of Bowman's Hill Phase II recorded in Cumberland County Plan Book 68, Page 15, more particularly described as follows, to wit: BEGINNING at a point on the Northern right-of-way line of Spring Valley Lane, a 50 foot right- of-way, at the Southwestern comer of Lot #77 on the aforementioned plan; thence along said Northern right-of-way line of Spring Valley Lane South 65 degrees 05 minutes 43 seconds West a distance of 85.46 feet to a point at the Southeastern comer of Lot #75 on the aforementioned plan; thence along said Lot #75 North 24 degrees 54 minutes 17 seconds West a distance of 16.12 feet to a point at the Southern line oflands now or formerly of Kenneth R. White and Martha C. White; thence along said lands now or formerly of White North 63 degrees 53 minutes 59 seconds East a distance of 85.48 feet to a point at the Northwestern comer of Lot #77 on the aforementioned plan; thence along said Lot #77 South 24 degrees 54 minutes 17 seconds East a distance of 117.91 feet to a point and place of BEGINNING. CONTAINING 10,000 square feet. BEING the same premises which David R. Thompson and Denise P. Thompson, his wife, by Deed dated October 13, 1998 and recorded in the Cumberland County Recorder of Deeds Office on October 20,1998 in Deed Book 187, Page 501, granted and conveyed unto Christopher J. Cowoski and Jill A. Cowoski, his wife. -;.; C'') C ~~ <.-:;~ c;."-' --- c:' (' .I ~\ ~-- {'J "'C -- (.1:- 0) - ... · SHAPIRO & KREISMAN, LLC BY: JOSEPH REJENT, ESQUIRE ATTORNEY I.D. NO: 59621 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 05-24504 First Horizon Home Loan Corporation flk/a FT : Mortgage Com pies d/b/a MNC Mortgage : , PLAINTIFF : , . , , , . , , . . , , . , , . COURT OF COMMON PLEAS CUMBERLAND COUNTY VS. NO: 05-3920 Jill Cowoski a/k/a Jill A. Cowoski and Christopher Cowoski a/k/a Christopher 1. Cowoski DEFENDANT(S) CERTIFICATION OF NOTICE TO LIENHOLDERS PURSUANT TO PA R.C.P 3129.2 (C) (2) I, Heather Doyle, Legal Assistant for Shapiro & Kreisman, LLC, attorneys for the Plaintiff, First Horizon Home Loan Corporation f/k/a FT Mortgage Compies d/b/a MNC Mortgage, hereby certify that Notice of Sale was served on all persons appearing on Exhibit "A" attached hereto, by United States mail, first class, postage prepaid, with Certificates of Mailing on January 30, 2006, the originals of which are attached and that each of said persons appears on Plaintiffs Affidavit pursuant to Pa. R.C.P. 3129.1. The undersigned understands that the statements herein are subject to the penalties provided by 18 P.S. Section 4904. Respectfully submitted, SHAPIRO & KREISMAN, LLC 1 BY: r, 05-24504 " en " o '3 '" '" ... ... ,-; *~' ~ , ~~, "'& ~~~: . ~ -. ~' ~ 2; . Q, ~ c ~3 ~, -. '0' 00' . ~ O~I ,,~ iil(fl' ;; -'" o , .. ~ '8 a " m , en m m " ~ <' .. o '< l> ~ !(! f.L 3 m " ~ g ;0 ~ 3 ~ '0 S;' 3, o ~ -1:' '0 ~ ' 2', o 3 . ", . o c:!!.i $ 0, ~ . 3, '0 ~: . ~: 0>, ... (J) '-", - , ~. "" i'\'\ ': ~ f\ ~ C.......c,,, I~C; " ;:" . >:, "I '" ; '(" " ''>''. ;>; Ilr, " ~'" 10'-_~""'f)_-";; .~ ~~". ,>'"iR, '"'x.. l:c '::" " ~ ~ ~~ ';. , " '-.Il. '" ':S f>. ",' \ .".' , >..\' C\.<..; 0,' ~ ::.,~ >.. ,'~ 1> l\ c' ~... !\'~~ ':~ ~"z' " !~[\~ ~ ~ " . ~ ~,~ '. "'::-< :~ -?''\. i::> ~ eN ~ ~ ::... !:'-.. "-'::::'S" ~.:;--~ ";-"\1.:) ~\)~ -~ ~t\ ~ '~~~ (\ c ~ V lv, "" ~~~ ': - "'~';;:-\ ~ ~ .....~~ ~~~ ,,~ '" v '" ,"" ,->, , \ '" ":,. \3, ~ --<. '" ~\ -Z "'" " ". ,"->....... ':-~ '-, ~p ;:t c.. ~ t>-,,1>.~~ l:.:: "" rn (-.. - '- 1\ l': 0-..~ ~ '(If\~:: '" . v '-i';~ ~-r:: " I', '-..."'. '0x. ~ ..;... ~ -,.;", ,~,''-/ (, (\ :--;: ~ It- \j 'I., ''i- 'l-o '<' ''(-; ~ ~ ~~' I ,., C \_.~ (~, ;. /0-J"'-' "'}';" .' "'. , \ , \ I'.-'"~,",,,.,~: '.' '_I \~V~'\ 'f{},.',,\ ...))/ ",.:. ^~,,~ '-~'~I::_.~\::-'> ~ '-:;,,/ ",j", ~ J> " o " z c 3 ~ ~ l .. " ~ ~ ~ .. 110 l\j i -mooo ~ >< ~_ 0 ~ c"Q<O::!j .... (\) ID ro ~ g: ,<' n ;::" . 0 - " -~ 3 ~ 6 " '0 o . ;; ~ . {j);:O:JJ;:U cg ~~- 8 !2. ::; * a- ~ :JJ (D ~ I'D (0 U 0 ~ ~- 1!!. 5, -s ~ 3 ~ -< ~- $: "5 g ~ CD ~ 3 00 ~ ~ g *0 ~ CJ"1) 8 g i6~~ III 01;) O'd-o,,> >< ""11 \bg (00... g.~ (/) &ig,tlJ ~afS-~s ,:0* ';f_gQ..~~ CD tlJ ">::. 3 III !2~ ~~!!:lo ;f _00.::: _ ~ Ig~,"Q. '- ~ ('b 'il ~I m,g , ,i;~, J!i ~, l!i<' .0 i~~i <5, IIljg' C' ,'lI ~ o c, ~(J>' ,8Wi oil. ~ , ,""1101 ~ " ~'" ,* 0; ~'" ~I ~'" i~ 0' '"'TI;:tl' . '" i'll : Z m 3 m m o ~ :J> ~ ~ " w w 8- en o o ~ ~ o " o If '" u o 8- 3 !'C ~ w . " " o - t$~;'U! c'al ,,"" Ru 'J,~a~~~' \'~Hol at\',,~8g ?l~]hn h~\!\l ~.~~~-%, ~~~n\t ~~~~~d ..,,\~~ l h\g ~ 1~ u s",,,S "'" ~...".. "~\j"-"'~ \h~\~-\ n.~"'" \\\\\:\ "d.~i." \\\h\t '~l~h\~l l e~~ C1J) " "ir~ !g %"'~l~~H ~Ht~ '.\~ :2\h~\ ~ ~Uo:;;~_. o ~~ -;:1 i- "','i \ ~ Cl c:~ -n .;;; ::? Fl f'il ;IJ c:.o hi I =9 C) N (:."~,~\ ~~ - _._~ ~~ ?~4 c5 _~ ~ , N N N '0 N m '" ~ N o C> N \~ \~~ ,0. First Horizon Home Loan Corporation f/k/a FT Mortgage Companies d/b/a MNC Mortgage VS Jill Cowoski aIkIa Jill A. Cowoski and Christopher Cowoski aIkIa Christopher 1. Cowoski The Court of Common Pleas of Cumberland County, Pennsylvania Writ No. 2005-3920 Civil Term William Cline, Deputy Sheriff, who being duly sworn according to law, states that on December 06, 2006 at 4:53 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 defendants, to wit: Jill Cowoski aIkIa Jill A. Cowoski and Christopher Cowoski a/k/a Christopher J. Cowoski, by making known unto Christopher Cowoski, personally and husband of Jill Cowoski, at 6 Spring Valley Lane, Mechanicsburg, Cumberland County, Pennsylvania, its contents and at the same time handing to him personally the said true and correct copy of the same. Shawn Harrison, Deputy Sheriff, who being duly sworn according to law, states that on January 09, 2006 at 2:34 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 Jill Cowoski aIkIa Jill A. Cowoski and Christopher Cowoski aIkIa Christopher J. Cowoski located at 6 Spring Valley Lane, 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 defendants, to wit: Jill Cowoski aIkIa Jill A. Cowoski and Christopher Cowoski aIkIa Christopher J. Cowoski, by regular mail to their last known address of6 Spring Valley Lane, Mechanicsburg, P A 17055. These letters were mailed under the date of January 05,2006 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 Joseph Rejent. Sheriffs costs: Docketing Poundage Posting Bills Advertising Law Library Prothonotary Mileage Certified mail Postage Levy Surcharge 30.00 2469.27 15.00 15.00 0.50 1.00 20.24 3.66 1.17 15.00 30.00 Law Journal Patriot News Share of Bills Total: So Answers: f/ ~~~ , _ c.(I R. Thomas Kline, She 383.00 328.40 21.05 3333.29 v 9- 7.os'.(}L, .. t. 5D ck 0"11 't~fJ-/ ~ } 19 9D'I v of SHAPIRO & KREISMAN, LLC BY: JOSEPH REJENT, ESQUIRE ATTORNEY LD. NO: 59621 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, P A 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 05-24504 First Horizon Home Loan Corporation f/k/a FT Mortgage Companies d/b/a MNC Mortgage PLAINTIFF COURT OF COMMON PLEAS~c, CUMBERLAND COUNTY NO: 05-3920 vs. Jill Cowoski alk/a Jill A. Cowoski and Christopher Cowoski alk/a Christopher J. Cowoski DEFENDANTS AFFIDAVIT PURSUANT TO RULE 3129.1 o f:; r , First Horizon Home Loan Corporation f/k/a FT Mortgage Companies d/b/a MNC Mortgage, Plaintiff in the above action, sets forth, as of the date the praecipe for the writ of execution was filed, the following information concerning the real property located at 6 Spring Valley Lane, Mechanicsburg, P A 17055. 1. Name and address ofOwner(s) or Reputed Owner(s) Jill Cowoski alk/a Jill A. Cowoski 6 Spring Valley Lane Mechanicsburg, P A 17055 Christopher Cowoski alk/a Christopher J. Cowoski 6 Spring Valley Lane Mechanicsburg, P A 17055 2. Name and address of Defendant(s) in the judgment: Jill Cowoski alk/a Jill A. Cowoski 6 Spring Valley Lane Mechanicsburg, P A 17055 Christopher Cowoski alk/a Christopher J. Cowoski 6 Spring Valley Lane Mechanicsburg, P A 17055 '" = = c.n o C) --; N -0 --"'" (.." co v 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: First Horizon Home Loan Corporation f/k/a FT Mortgage Companies d/b/a MNC Mortgage 1665 Palm Beach Lakes, Suite 105 West Palm Beach, FL 33401 4. Name and address of the last recorded holder of every mortgage of record: First Horizon Home Loan Corporation f/k/a FT Mortgage Companies d/b/a MNC Mortgage, Plaintiff 1665 Palm Beach Lakes, Suite 105 West Palm Beach, FL 33401 5. Name and address of every other person who has any record lien on the property: Upper Allen Township 100 Gettysburg Pike Mechanicsburg, P A 17055 US Treasury Dept., Pittsburgh Office 1000 Liberty Avenue Pittsburgh, PA 15222-9974 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Cumberland County Domestic Relations, 13 North Hanover Street, Carlisle, P A 17013 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: TENANT OR OCCUPANT 6 Spring Valley Lane Mechanicsburg, P A 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. Section 4904 relating to unsworn falsification to authorities. SHAPIRO & KREISMAN, LLC BY: ~9(qUire 05-24504 SHAPIRO & KREISMAN, LLC BY: JOSEPH REJENT, ESQUIRE ATTORNEY I.D. NO: 59621 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 05-24504 First Horizon Home Loan Corporation fi'k/a FT Mortgage Companies d/b/a MNC Mortgage PLAINTIFF (") ~:; 'S:.,. ...,.... ,-~; r7' COURT OF COMMON PLEAS CUMBERLAND COUNTY .1/-., c.:. NO: 05-3920 -- ~- I ~~. ~(.:; ~:-C.: Z --i -<. vs. Jill Cowoski a/k/a Jill A. Cowoski and Christopher Cowoski a/kJa Christopher J. Cowoski DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Jill Cowoski a/k/a Jill A. Cowoski 6 Spring Valley Lane Mechanicsburg, P A 17055 Your house (real estate) at: 6 Spring Valley Lane, Mechanicsburg, P A 17055 42-29.2454-255 is scheduled to be sold at Sheriffs Sale on March 8,2006 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, P A 17013 at 10:00 AM, to enforce the court judgment of$I13,214.59 obtained by First Horizon Home Loan Corporation fi'k/a FT Mortgage Companies d/b/a MNC Mortgage against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT TillS SHERIFF'S SALE To prevent this Sheriff's Sale you must take immediate action: The sale will be cancelled if you pay back to First Horizon Home Loan Corporation f/k/a FT Mortgage Companies d/b/a MNC Mortgage the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To fmd out how much you must pay, you may call: (610) 278-6800. 1. 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 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 of how to obtain an attorney.) r---:l = = CJ1 Ci (-) -l o -n -l ..,.... fn~ .~ ~;Q N \~'~: -: EjF~ - --i -~ ~;J :<. (..J c;:J YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 4. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610) 278-6800. 5. 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. 6. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To fmd out if this has happened you may call 717-240-6390. 7. 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. 8. You have a 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. 9. 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 no later than thirty (30) days from the date of the sale. This schedule will state who will be receiving the 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 the date of filing of said schedule. 10. You may also have other rights and defenses or ways of getting your house 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. Cumberland County Lawyer Referral Service Telephone: 717-249-3166 Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. ALL THAT CERTAIN tract or parcel of land situate in Upper Allen Township, Cumberland County, Pennsylvania, shown as Lot #76, Phase II, Bowman's Hill as described in accordance with the Final Subdivision Plan of Bowman's Hill Phase II recorded in Cumberland County Plan Book 68, Page 15, more particularly described as follows, to wit: BEGINNING at a point on the Northern right-of-way line of Spring Valley Lane, a 50 foot right- of-way, at the Southwestern comer of Lot #77 on the aforementioned plan; thence along said Northern right-of-way line of Spring Valley Lane South 65 degrees 05 minutes 43 seconds West a distance of 85.46 feet to a point at the Southeastern comer of Lot #75 on the aforementioned plan; thence along said Lot #75 North 24 degrees 54 minutes 17 seconds West a distance of 16.12 feet to a point at the Southern line of lands now or formerly of Kenneth R. White and Martha C. White; thence along said lands now or formerly of White North 63 degrees 53 minutes 59 seconds East a distance of 85.48 feet to a point at the Northwestern comer of Lot #77 on the aforementioned plan; thence along said Lot #77 South 24 degrees 54 minutes 17 seconds East a distance of 117.91 feet to a point and place of BEGINNING. CONTAINING 10,000 square feet. BEING the same premises which David R. Thompson and Denise P. Thompson, his wife, by Deed dated October 13, 1998 and recorded in the Cumberland County Recorder of Deeds Office on October 20, 1998 in Deed Book 187, Page 501, granted and conveyed unto Christopher J. Cowoski and Jill A. Cowoski, his wife. 05-24504 SHAPIRO & KREISMAN, LLC BY: JOSEPH REJENT, ESQUIRE ATTORNEY J.D. NO: 59621 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 05-24504 First Horizon Home Loan Corporation f/k/a FT Mortgage Companies d/b/a MNC Mortgage PLAINTIFF () c: COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 05-3920 vs. Jill Cowoski a/k/a Jill A. Cowoski and Christopher Cowoski a/k/a Christopher J. Cowoski DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Christopher Cowoski a/k/a Christopher J. Cowoski 6 Spring Valley Lane Mechanicsburg, P A 17055 Your house (real estate) at: 6 Spring Valley Lane, Mechanicsburg, P A 17055 42-29-2454-255 is scheduled to be sold at Sheriff's Sale on March 8, 2006 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, P A 17013 at 10:00 AM, to enforce the court judgment of $113,214.59 obtained by First Horizon Home Loan Corporation f/k/a FT Mortgage Companies d/b/a MNC Mortgage against you. 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 back to First Horizon Home Loan Corporation f/k/a FT Mortgage Companies d/b/a MNC Mortgage the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (610) 278-6800. 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 be able to stop the sale through other legal proceedings. 1'""<) = (':;:) C,}' o C~) N -,...; ~ l ,'l'j (..J 0.) 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 of 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. 4. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610) 278-6800. 5. 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. 6. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out ifthis has happened you may call 717-240-6390. 7. 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. 8. You have a 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. 9. 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 no later than thirty (30) days from the date of the sale. This schedule will state who will be receiving the 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 the date of filing of said schedule. 10. You may also have other rights and defenses or ways of getting your house 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. Cumberland County Lawyer Referral Service Telephone: 717-249-3166 Cumberland County Bar Association 32 South Bedford Street Carlisle, P A 17013 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 05-24504 ALL THAT CERTAIN tract or parcel ofland situate in Upper Allen Township, Cumberland County, Pennsylvania, shown as Lot #76, Phase II, Bowman's Hill as described in accordance with the Final Subdivision Plan of Bowman's Hill Phase II recorded in Cumberland County Plan Book 68, Page 15, more particularly described as follows, to wit: BEGINNING at a point on the Northern right-of-way line of Spring Valley Lane, a 50 foot right- of-way, at the Southwestern comer of Lot #77 on the aforementioned plan; thence along said Northern right-of-way line of Spring Valley Lane South 65 degrees 05 minutes 43 seconds West a distance of 85.46 feet to a point at the Southeastern comer of Lot #75 on the aforementioned plan; thence along said Lot #75 North 24 degrees 54 minutes 17 seconds West a distance of 16.12 feet to a point at the Southern line of lands now or formerly of Kenneth R. White and Martha C. White; thence along said lands now or formerly of White North 63 degrees 53 minutes 59 seconds East a distance of 85.48 feet to a point at the Northwestern comer of Lot #77 on the aforementioned plan; thence along said Lot #77 South 24 degrees 54 minutes 17 seconds East a distance of 117.91 feet to a point and place of BEGINNING. CONTAINING 10,000 square feet. BEING the same premises which David R. Thompson and Denise P. Thompson, his wife, by Deed dated October 13, 1998 and recorded in the Cumberland County Recorder of Deeds Office on October 20, 1998 in Deed Book 187, Page 501, granted and conveyed unto Christopher J. Cowoski and Jill A. Cowoski, his wife. WRIT OF EXECUTION l;lndJor ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) N005-3920 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due FIRST HORIZON HOME LOAN CORPORATION F/K/A FT MORTGAGE COMPANIES D/B/A MNC MORTGAGE Plaintiff (s) From JILL COWOSKI A/K/A JILL A. COWOSKI AND CHRISTOPHER COWOSKI AlK/A CHRISTOPHER J. COWOSKI, 6 SPRING VALLEY LANE, MECHANICSBURUG, P A 17055 (1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DISCRITION (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) 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 him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due$113,214.59 L.L.$.50 Interest from Oct. 1, 2005 to March 8, 2006 $3,451.89 Atty's Comm % Due Prothy $1.00 Arty Paic $134. 80 Plaintiff Paid Date: October 12, 2005 Other Costs (Seal) By: Deputy REQUESTING PARTY: Name Joseph Rejent, Esq. Address: 2520 Renaissance Blvd. Suite 150 King of Prussia, P A 19406 Attorney for: Plaintiff Telephone: Supreme Court ID No. 59621 Real Estate Sale # 16 On November 30, 2005 the Sheriff levied upon the defendant's interest in the real property situated in Upper Allen Township, Cumberland County, P A Known and numbered as 6 Spring Valley Lane, Mechanicsburg, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: November 30, 2005 By: J6~ SrvuJ:J, Real Estate Sergeant ~ (jfj ~ \ S :l d (\ 130 ~UUI \10 '),lh\lll_,\'; i' ':;'I\'.:.1-\'U '.:B\l:!3HS :.,h ;.JU -'~ - t 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 Michael Morrow, being duly sworn according to law, deposes and says: That he is the 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 and/or Sunday/ Metro editions which appeared in the 24th and 31st day(s) of January and the 7th day(s) of February 2006. 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 SALE#16 .......... --.................. ~.... .-. Sworn to and subscribed before m NOTA PUBLIC My commission 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 STATE 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: January 20, 27, February 3, 2006 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 tme. r SWOR AND SUBSCRIBED before me this ~_day of February, 2006 ~--<~)~. ~1d.,A/ Notary REAL ESTATIt &ALE NO. 16 Writ No. 2005-3920 Civil First Horizon Home Loan Corporation f/k/a IT Mortgage Companies d/b/a MNC Mortgage vs. Jill Cowoski a/k/a J1l1 A. Cowoski and Christopher Cowoski a/k/ a Christopher J. Cowoski Atty.: Joseph Rejent ALL THAT CERTAIN tract or par- cel of land situate in Upper Allen Township, Cumberland County, Pennsylvania, shown as Lot #76, Phase n. Bowman's Hill as described in accordance with the Final Subdi- vision Plan of Bowman's Hill Phase II recorded in Cumberland County Plan Book 68, Page 15, more par- ticularly described as follows, to wit: BEGINNING at a point on the Northern right-of-way line of Spring Valley Lane, a 50 foot right-of-way. at the Southwestern corner of Lot #77 on the aforementioned plan; thence along said Northern right-of- way line of Spring Valley Lane South 65 degrees 05 minutes 43 seconds West a distance of 85.46 feet to a po1nt at the Southeastern comer of Lot #75 on the aforementioned plan; thence along said Lot #75 North 24 degrees 54 minutes 17 seconds West a distance of 16.12 feet to a point at the Southern line of lands now or formerly of Kenneth R. White and Martha C. White; thence along said lands now or formerly of White North 63 degrees 53 minutes 59 seconds East a distance of 85.48 feet to a point at the Northwestern comer of Lot #77 on the aforemen- tioned plan; thence along said Lot #77 South 24 degrees 54 minutes 17 seconds East a distance of 117.91 feet to a point and place of BEGINNING. CONTAINING 10,000 square feet. BEING the same premises which David R. Thompson and Denise P. Thompson, his wife, by Deed dated October 13. 1998 and recorded in the Cumberland County Recorder of Deeds Office on October 20, 1998 in Deed Book 187, Page 501, granted and conveyed unto Chris- topher J. Cowoski and Jill A. Cowoski, his wife.