HomeMy WebLinkAbout05-4297
Richard M. Squire, Esquire
LD. No. 04267
Richard M. Squire & Associates, LLC.
One Jenkintown Station, Suite 104
115 West Avenue
Jenkintown, Pa 19046
Telephone: 215-886~8790
Fa" 215.886.8791
Attorneys for Plaintiff
Deutsche Bank National Trust Company, as
Trustee of Ameriquest Mortgage Securities, Inc.,
Asset-Backed Pass-Through Certificates, Series
2004-IA 1 under the Pooling and Servicing
Agreement dated as of September 1, 2004,
Without Recourse,
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
NO: OS - 4;),'11
C?;u~LY 8U'vl
PLAINTIFF,
CNIL ACTION
v.
Michael L. Garrett
1215 Indian Peg Road
Mechanicsburg,PA.17055
MORTGAGE FORECLOSURE
DEFENDANTS.
COMPLAINT - CIVIL ACTION
NOTICE TO DEFEND
NOTICE
YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after this complaint and notice are
served, by entering a written appearance personally or by attorney and filing in writing with the court
your defenses or objections to the claims set forth against you. You are warned that if you fail to do
so the case may proceed without you and ajudgment may be entered against you by the court without
further notice for any money claimed in the complaint or for any other claim of relief requested by
the plaintiff. You may Jose money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE ALA WYER OR CANNOT AFFORD ONE, GO TOOR TELEPHONE THE OFFICE
SET FORTH 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 and 800-990-9108
F:\Clients\Ameriquest\Garrett\Comptaint.wpdMG
A VISO
LE RAN DEMANDADO A USTED EN LA CORTE. Si usted qui ere 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 asentar una comparencia escrita 0 en persona 0 con
un abogado y entregar a la corte en forma escrita sus defensas 0 sus objecciones alas demandas en
contra de su persona. Sea avisado que si usted no se defiende, 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 edades u otros derechos importantes para usted.
LLEVE EST A DEMANDA A UN ABOGADO INMEDIATAMENTE. SINO TIENE ABOGADO
o SINO TIENE ELDINERO SUFICIENTE DE PAGAR TAL SERVICIO V AY AENPERSONA
o LLAME POR TELFONO A LA OFICINA CUY A DIRECCION SE ENCUENTRA ESCRIT A
ABAJO PARA A VERIGUAR DONDE SE PUEDE CONSEGUIR ASIST ANCIA LEGAL.
Lawyer Referral Service
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, P A 17013
717-249-3166 and 800-990-9108
F:\Clients\Amenquest\Garrett\Complaint. wpdMG
Richard M. Squire, Esquire
!.D. No. 04267
Richard M. Squire & Associates, LLC.
One Jenkintowt1 Station, Suite 104
115 West Avenue
Jenkintown, Pa 19046
Telephone; 215~886~8790
Fax: 215-886-8791
Attome for Plaintiff
Deutsche Bank National Trust Company, as
Trustee of Ameriquest Mortgage Securities, Inc.,
Asset-Backed Pass-Through Certificates, Series
2004-IAI under te Pooling and Servicing
Agreement dated as of September I, 2004,
Without Recourse,
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYL V ANlA
NO: or; - ~'0--91'{ O;(,)L ~ ~
PLAINTIFF,
CIVIL ACTION
v.
Michael L. Garrett
1215 Indian Peg Road
Mechanicsburg,P1\.17055
MORTGAGE FORECLOSURE
DEFENDANTS.
COMPLAINT IN MORTGAGE FORECLOSURE
Plaintiff, Deutsche Bank National Trust Company, as Trustee of Arneriquest Mortgage
Securities, Inc., Asset-Backed Pass-Through Certificates, Series 2004-IAl under te Pooling and
Servicing Agreement dated as of September 1,2004, Without Recourse, by and through its attorney,
Richard M. Squire, Esquire, brings this action in mortgage foreclosure upon the following cause of
action:
1. Plaintiff, Deutsche Bank National Trust Company, as Trustee of Arneriquest Mortgage
Securities, Inc., Asset-Backed Pass-Through Certificates, Series 2004-IAl under te Pooling
and Servicing Agreement dated as of September 1, 2004, Without Recourse ("Plaintiff'), is
a corporation with a principal place of business at 505 City Parkway West, Suite 100 Orange
CA 92865.
2. Defendant(s), Michael L. Garrett, is/are the real owner(s) and mortgagor(s) and grantee(s)
in the last deed of record to the hereinafter described real estate located at 1215 Indian Peg
Road Mechanicsburg, P A 17055, hereinafter "Premises." Defendant( s) resides at 1215
Indian Peg Road Mechanicsburg, P A. 17055 .
3. On 07/09/2004 Defendant( s), Michael L. Garrett, made, executed and delivered a mortgage
for the benefit of AMC Mortgage Services, Inc., as security for the payment by defendant( s)
of certain sums due and owing by Defendant(s) under a promissory note executed by
Defendant(s) on the same date in consideration for a loan made to Defendant( s) by Plaintiff.
Said mortgage is recorded in the Office ofthe Recorder in and for Cumberland County, in
Mortgage Book Vol. 1873, Page 2122, and is incorporated herein by reference by virtue of
Pa. R.C.P. g1019(g).
4. Plaintiff is in the process of preparing a formal legal assignment.
5. 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 of the above-described assignments.
6. The premises subject to the aforesaid mortgage is described in Exhibit "A," which is attached
hereto and incorporated herein by reference. The address of the mortgaged premises is 1215
Indian Peg Road, Mechanicsburg, PA 17055.
7. The aforesaid mortgage is in default because the required monthly payments due under the
terms of the aforesaid note and mortgage have not been made from12/0l/2004 through the
present date. By the terms of the said mortgage, upon breach and failure to cure said breach
after notice, all sums secured by said mortgage shall be immediately due and owing.
8. The terms of the said mortgage further provide that in the event of default, Defendant shall
be liable for Plaintiff's costs and attorney's fees.
2
9.
The following amounts are due as of August 11,2005:
Principal of Mortgage debt due and unpaid $ 115,889.26
Accrued interest through August 11, 2005 $ 5,841.36
Late Charges $ 394.58
Corporate Advance $ 132.50
Attorney's Fees $ 5,794.46
TOTAL ~ 128.052.16
plus costs, interest at the rate of23.18 per diem for each day after August 11,2005, until the
entry of judgment, and interest from the date of judgment as provided by law.
10. Plaintiffhas demanded the total amount due from Defendant, but Defendant has failed to pay
the same.
11. Notice of intention to Foreclose pursuant to 41 P.S. 9 403 and Notice pursuant to the
Homeowner's Emergency Mortgage Assistance Act of 1983,35 P.S. 9 1680.402c, et seq.
was mailed to each individual Defendant via regular and certified mail, return receipt
requested, on 03/02/2005. A true and correct copy of said notice is attached hereto and
marked as Exhibit "B"and is incorporated herein by reference as though fully set forth at
length.
WHEREFORE, Plaintiff demands judgment in rem be entered in its favor and against
Defendant( s) Michael L. Garrett, for foreclosure and sale of the Mortgaged Premises in the amounts
due as set forth in paragraph 09, namely $ 128,052.16 plus costs, interes er diem and interest from
Date:
I
By: '
/Richard M. Squire, Esquir
./ liS West Avenue, Suite 1
Jenkintown, PA 19046
215-886-8790
Attorneys for Plaintiff
,LLC
the date of judgment as provided by law, and for such
just and proper.
3
UNLESS YOU NOTIFY US IN WRITING WITHIN THIRTY (30) DAYS AFTER RECEIPT
OF THIS LETTER THAT THE DEBT, OR ANY PART OF IT, IS DISPUTED, WE WILL
ASSUME THAT THE DEBT IS VALID. IF YOU DO NOTIFY US OF A DISPUTE, WE
WILL OBTAIN VERIFICATION OF THE DEBT AND MAIL IT TO YOU. ALSO UPON
YOUR WRITTEN REQUEST WITHIN THIRTY (30) DAYS, WE WILL PROVIDE YOU
WITH THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR IF DIFFERENT
FROM THE CURRENT CREDITOR. THIS COMMUNICATION IS AN ATTEMPT TO
COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT
PURPOSE.
4
VERIFICATION
Richard M. Squire, hereby states that he is the attorney for the Plaintiff, a corporation, unless
designated otherwise; that he is authorized to make 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 subject to the
pou1ti~ ofl' P~C.s.I4904 ","'" " ,",worn fu'.'Z ~ ~ili,riti, .
(~~s
j
Date:
,:tJ...!.
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LEGAL DESCRIPTION
1215 INDIAN PEG ROAD
MECHANICSBURG, PA.17055
CUMBERLAND County
laltIBI'I' lAl
ALL THAT CERTAIN tract of land situat~ in the Township of Monroe,
County of Cumberland, and Commonwealth of pennsylvania, being more
particularly bounded and described aa follows, to wit:
BEGINNING at an iron pin at the corner of land now or formerly of David
Paulus and other lands now or formerly of Robert Moffitt; Thence along
said lands now or tormerly of Robert Moffit, South 81 degrees 30
minutes West for a distance of one hundred fo~ty-two and nine tenths
(142.9} feet to an iron pin; thence along lands now or for.merly of C.
R. Minnich, South 65 degrees 58 minutes West, far a distance of
thirty-eight (38) feet to an iron pin; thence along lands formerly of
Edward L. Miller, and now of Walter L. Berkheimer and Martha E.
Berkheimer, his wife North,S degrees 53 minutes 50 seconds West, for a
distance of two hundred sixty-nine and one tenth (269.1) feet to a
stake; thence along lands now or formerly of Walter L. Berkheimer and
Martha E. Berkheimer, and continuing along land of Wi~l~am Goodye~r,
North 75 degrees 25 minutes East, for a distance of one hundred eighty
and no hundredths (180.00) feet to a stake; thence along lands now or
formerly of Davis Paulus, South 8 degrees 48 miuutes 30 seconds East,
two hundred seventy-eight and no hundredths (276.00) feet to an i~on
pin at the place of BEGINNING.
BEING known and municipally numbered as 1215 Indian Fag Road,
Mechanicsburg, Pennsylvania 17055.
. .~
'"
DK.1873PG2138
P.O. Bn 11000
SuI. Ana, CA '2711-1000
tl~~~~I.
7182 b389 30bO 0570 18bb
March 02, 2005
MICHAEL L GARRETT
1215 IND]AN PEG ROAD
MECHANICSBURG, PA 17055
>>f'N~
ACT 91 NOTICE
TAKE ACTION TO SAVE YOUR HOME
FROM FORECLOSURE
STATEMENTSOFPOLICX
Loan Number:
Property Address:
Original Lender:
Current Lender/Servicer:
0085942746
]2]5 IND]AN PEG ROAD, MECHAN]CSBURG PA, 17055
AmeriqueS! Mortgage Company
Ameriques! Mortgage Company
THIS FIIlM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE
IS SENT TO YOU IN AN ATTEMPT TO COLLECT nn: INDEBTEDNESS REPERUD TO
HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOil TBA T
PUllPOS:!. IF YOU HA VI: PREVIOUSLY RECEIVED A DISCHARGE IN BANKllUPTCY, THIS
CORUSPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMI'T TO
COLLECT A DEBT, BUT ONLY :!NJIORCEMENT OF A LIEN AGAINST PIlOPl.IlTY.
Thi. h u oftIcialaotke that tbe m..nRaP oa "OGr bome i.1a delolt. ud the lender latend. to lonoelose.
Sneer", lalorm.tlon .b...t tile Dature or the del.nlt Is Drevllled in the .ttaehed D'lIeL
Tbe HOMEOWNER'S MORTGAGE ASSISTANCE PIlOGllAM (HEMAl') m.y be .ble to hlo to save your
home. Thi. Notice exnlaia. how tile Drollram wom
To .ee if HEMAP can helD. TOG Dlual MEET WITH A CONSUMER CREDIT COUNSELING AGENCY
WITHIN JO DAYS OF nn: DATE OF THIS NOTIC:!. Take tIri. Notice witll TOG whea TOG meet with the
Coan.e1laa Aaencv.
The DIlDe. .ddreo. and DItO" DUmber 0' COD.amer Credit C.D..lina A_cle. ..mall T.....r C.....Dtv .re
lIoted .t tile ead or thi. Notice. II YOG Itave UJ' aaestioD.. YOU mllY call the Pe.....yl"ul. H.sla. Flnu..
A_cv toll free at HIOO-342-.%397.lPenon. with JmDalred hearlaa cucaIl (717) 786-1869).
This Notlee eonWJl. important le..J inform.tioD. U you. hal'e aay qaestioDI. repreteatatives at tbe COJllWJler
Credit Co......llag Ageney may be able to help esplalnlt. Yoa m.y also want to coatact u .ttorney in y...r
anL The local bar .....ladoa m.y be able to help YOll find . I.wyer.
LA NOTlFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA. PUES AJ'I:CTA SU DERECHO A
CONTINUAR VJVIENDO EN SU CASA. SI NO COMPREND:! EL CONTJ:NlDO DE ESTA
NOTlFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AG:!NCIA
(pENNSYLVANIA HOUSING FINANC:! AGENCY) SIN CAB.GOS AL NUMERO MENCIONADO
"Fl)llIIlllt""-1la
AJUUlIA. P1JJ:DES SER ELEGIBLE PARA UN PUSTAMO POR EL PROGIlAMA LLAMADO
"HOMEOWNJ:R'S 'EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL P1JJ:DE
SALV AR SU CASA DE LA PERDmA DEL DEUCHO A UDIMIB. SU HIPOTECA.
HOMEOWNJ:R'S EMERGENCY MORTGAGE ASSISTANCE PROGllAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE
WmCH CAN SAVE Y01lll HOME FROM FORECLOSUIlE AND
HELP YOU MAKE JUTUU MORTGAGE PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNJ:ll'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 Y01lll CONTROL,
'. IF YOU HAVE A REASONABLE PllOSPECT OF BEING ABLE TO PAY Y01lll MORTGAGE
PAYMENTS, AND
. IF YOU MEET OTHEll ELIGIBILITY REQUIllEMENTS ESTABLISHED BY THE
RNNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSUIlE - Uoderthe Act, YOllarc CDlided to atcmpo.ary stay offoreclosure
on yont mortgage for thirty (30) days from the dale of this Notice. During that time you must mange and attend a
face.lo-face meeting with one of the consumer credit counselillg agencies listed at the end of this Notice, THIS
MEETING MUST ocm WITHIN THE NEXT (301 DAYS, IF YOU DO NOT AWL Y FOR EMERGENCY
MORTGAGE ASSISTANCE. YOU MUST BRING YOUR MORTGAGE UP TO DATE, THE PART OF TIllS
NOTICE CALLED 'HOW TO CURE YOUR MORTGAGE DEFAULT' EXPLAINS HOW TO BRING YOUR
MORTGAGE UP TO DATE,
CONSUMER CUDIT COUNSELING AGENCIES -- Ify\>u meet with one of the consumer credil counseling
aeencv listed at the end of this ootice. the 1cndu may NOT take action lIl!ainstvoo for thirtv (301 daYs after the date
of this mcctina', The name.. Addresses BUd telephone numben of dcsialllltcd consumer credil counscIina aaencies for
the county in which the p.oocrtv is located are set fot1h at the end of this Notice. It is ouly necessary to schedule one
face-Io-face meeting, Advise YOUl IcndcI immediatclv of your intentions,
APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in a default for the reasons set fot1h later
in this Notice (see following pages for specific information about the nature of your default,) If you have tried and
arc unable to resolve this problem with the lender. you have the right 10 apply for finaocial assistance from the
Homeowner's Eme.gency Mortgage Assistance Program. To do SO, YOll must fill out, sign BUd file a completed
Homeowner's Emergency Assistance Program Application with one of the dcsigoatcd consumer c.odit counseling
agencies listed at the end of this Notice, Only consumer crccIit counseling agencies have applications for the
program llJld they will assist yoo in submitting a complete application to the Pennsylvania Housing Finance Agency.
Your application MUST be filed o. postmarked within thirty (30) days of your face-to-face meeting.
YOU MUST FILE Y01lll APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT
FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FOUCLOSURE MAY
PROCEED AGAINST Y01lll HOME IMMEDIATELY AND Y01lll Al'l'LICATION roll MORTGAGE
ASSISTANCE WILL BE DENIED.
AGENCY ACTION - Available funds for eme.gency mortgage assistance arc very limited. They will be disbursed
by the Agency unde. the eligibility crileria _bUshed by the Act The Pcnnsylvania Housing Finance Agency has
sixty (60) days 10 make a decision after it receives your application. During that time, no fo.eclosure p'OCcedi1l85
will be pursued against you if you havo met the limo requirements set forth above. You will be notified directly by
the Peunsylvania Housing FinllJlce Agency of its decision on your application.
f......\;T2\If;P!1^l;l.
March 02. 2005
Loan Number: 0085942746
NOTE: IF YOU ARE CUIlIlJ:NTLY PROTECTJ:D BY TIlE lIn.mG 011 A PETITION IN
BANKIlUPTCY, THE 1I0LWWING PART 011 THIS NOTICE IS lIOIl INlIORMATION
PUIlPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN A T'RMPT TO COLLECT
THE DEBT.
(If you have filed haakruptey you eaa otillllpply for Eme ey Mongllll" A..inaae..)
HOW TO CURE YOUR MORTGAGE DEIIAUL T IBri"" it UD to date).
NATURE OF THE DEF AUL T -The MORTGAGE debt by the ahovelender on YOof properly locted at:
at 1215 INDIAN PEG ROAD. MECHANlCSBURG. PA \7055 IS SERIOUSLY IN DEFAULT because:
A, YOU HA VB NOT MADE MONTHLY MORTGAGE PAYMENTS for the following montha and the
fonowing amounts ar. now past dn.:
01101105 thru 03/01105 at $789.\6 per month
Monthly Payments plu. lat. charg. or other fee.: 52408,69
Total Amount to en.... Delaalt: 52408.69
B. YOU HA VI: llAILED TO TAKE THE IIOILOWlNG ACTION (Do .ot Ule if not ...Iie.hle): N/A
HOW TO CURE THE DEIIAULT--You may core th.d.faultwithin THIRTY (30) DAYS ofth.dat. oflbis
notic. BY PAYING TIlE TOTAL AMOUNT PAST DUE TO TIlE LENDER, WHICH IS 52408.69
PLUS ANY MORTGAGE PAYMENTS AND LA'I'E CHARGES WHICH BECOME DUE DURING THE
THIRTY (30) DAY PERIOD. P3'\'menl. must be made .ither by cash. cashier'. check. cenilied check or monel'
order mAde oavable and sent to:
Am.riqn.st Mollgllge Company
P.O Box 51382
Los Angel... CA 90051-5682
You canCllI. any other d.faullby taki8g the following action within THIRTY (30) DAYS of the date of this Jetter:
(Do not u.. iluo! aDDIicabl..) N/A
IF YOU DO NOT CURE THE DEIIAULT--Ifyou do not cor.th. defauh within THIRTY (30) DAYS of the date
ofthi. Notice, the leader Intend. to uerdleltJ right. to ._I....t. the morto.. d.ht. Thi. means that the entire
outstanding balance of this debl will b. considered dn. immediat.1y and you may lose the chance to pay the
mortgage In monthly instaDm.uts. If f1III payment of the total amount pa.1 due inot made within THIRTY (30)
DAYS, the lender also intends to instroCl its 81torneys 10 start legalac1ion I<> foreel_ a.on TOnr mol'hlll1Oed
.ro.em.
IF TIlE MORTGAGE IS 1I0RECLOSED UPON >- The mortgaged propetty wlII be sold by the Sheriff to payoff
the mortgage debt. If the lender refer. yoar case 10 it. 1IU0meys. bUI you CIIle the deIiDquency before the lender
begin. legal proceeding. agaiJlst you. you will still be requited I<> prry the reasollll1>le attorney'. f... that were
actually incurred, up to $50.00. How....r. illegal proceedingo are started apinstyou. you will have to pay all
reasollll1>le attorney'. fees actually incurred by the lender even if they exceed $50.00, Ally attorney'. re.. will be
add.d to the amount you owe the Ieuder, which may also include other reasonable costs. H you ...... tile def.u1t
within the THIRTY (30) DAY period. yoe wID.ot be ....."'...d to p.y attorney'. r....
OTHER LJ:NDERIlEMEDIES - The lender may also sue you personally for the unpaid principal balance and all
other soms due lUIder the mortgag..
.RIGHT TO CUItJ: THE DEIIAULT P.RIOR TO SHE.RIJ1I1'S SALE -. If yon have not cored the default within
the THIRTY (30) DA Yperiod and roreclosure proceedinss have begun, yon lI1ill have tho ricJlt ID "'Ir" lb. dofaolt
and prevent the sale III any time1lJl to one boor 1>c:fore the Sherifr. Sale. Yon mal' do so by paying the tota1 amounl
then past d.... plus any late or other clwg.. then due. reasooable attomoy'. fee. and costs cooa"""'d with the
forecloSUtC sale and an~ other costs connected with the Sheri1l'. Sale a. ..,ecified in wriIinlr by the lender and by
U~+f;I'IH..
perfurmi"l! lII\V other lequiremenls under the mort/!nge. CuriRI YOIlr del..1t la the muaer .et fortb.la Wo
..&tit<> will Jestere YOIlr mo.....,e to the ....e position II if YOIl h.d ..ever defaulted.
EAllLIEST POSSIBLE SHJ:RIIl'F'S SALE DATE -- It io ewmated that the oaIliest dale that s""h a Sherifl's Salo
of tho mortgaged property could be held would be approximately (6) MONTHS from the date of this Notice. A
notice of Ihe actual date of tho Sherifl's Sale will be senllo you befoIe the sale. Of OOI1rlle. the am01l111 needed 10
cure the default willlacrease tho 10ngeI yon wait. Yon may find out al any time exBCtIy what the required paymenl
or action will be by contacting the lender.
HOW TO CONTACT THE LENDER:
Ameriquest MongillO Compuy
PO Box 11000
Suta Ana, CA 91711-1000
Phoae Number 800-430-5161
Fu Number 714-347-5037
EFFJ:CT 0 F SHJ:RIFF'S SALE - You sbould realize that a Sheriff's Sale will end your ownership of the
mortgaged property and YOUl righllo OCCllpy it. If you continue to live in the property after the Sheri1l's Sale, a
lawsuit to remove yon and YOUI furnishings and other belongings could be started by the lender at any time.
ASSUMPTION OF MOll.TGAGE -- You _ m.y 01 ~ ".Y Dot (CHECK ONE) sell or transfeI yo'" home
to a buyer 01 uansfcrec who will assmne the mortgage debt, provided thaI all the outstanding paymeuts, chatges and
attorney's fees and costs are paid priOI 10 or at the .ale and thaI the other IelluiremeDla of the mortgage are satisfied.
YOU MAY ALSO HA VI: 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 TIDSDEFAULTCUREDBY ANY THIRD PARTY ACTING ON YOUR BEHALF.
. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD
OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE
YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR)
'. TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY
OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS,
. TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE
LENDER.
. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
CONSUMElI. CUDIT COUNSELING AGENCIES SERVING YOUR COllNTY AlI.J:
ATTACIIJ:D
Very TrnlyYours.
Amcrilluest Mortgage Company
Ce: Amcriquest Ml>I\gage Company
AUu: Colle<:tions Departmcnl
Loan Number: 0085941746
Malled hy lot CI... Mail and by Certified MalI
EF04Il2lHtl'l1-l111
Homeowners' Emergency Assistance Program
CUMBERLAND COUNTY
Adams County Interl'aith Housing Authority
40 E High Street
Gettysburg, PA 17325
(717)334-1518
CCCS ofWestemPA
2000 Linglestown Road
Harrisburg, P A ] 7] 02
1-888-511-2227
Community Action Commission ofCaptial Region
] 5] 4 Derry Street
Harrisburg, PA 17104
(717) 232-9757
Loveship, Inc.
2320 North 5th Street
Harrisburg, PA ]7110
(717) 232-2207
Maranatha
43 Philadelphia Avenue
Waynesboro, PA 17268
(717) 762-3285
PHFA
211 North Front Street
Harrisburg, PA ]7]]0
] -800-342-2397
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SHERIFF'S RETURN - REGULAR
CASE NO: 2005-04297 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
DEUTSCHE BANK NATIONAL TRUST
VS
GARRETT MICHAEL L
SHANNON SUNDAY
Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE
was served upon
GARRETT MICHAEL L
the
DEFENDANT
, at 1714:00 HOURS, on the 8th day of September, 2005
at 1215 INDIAN PEG ROAD
MECHANICSBURG, PA 17055
by handing to
JOSEPH GARRETT, SON
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
18.00
6.40
.37
10.00
.00
34.77
So Answers:
~gcf~'c.c&~_~
R. Thomas Kline
me this
day of
09/09/2005
m~:,CQL~
Deputy Sheriff
Sworn and Subscribed to before
A.D.
Richard M. Squire & Associates, LLC
By: Richard M. Squire, Esquire
lD No. 04267
One Jenkintown Station, Suite 104
115 West Avenue
Jenkintown, Pa 19046
Telephone: 215-886-8790
Fax 215-886-879]
Attome s for Plaintiff
Deutsche Bank National Trust Company, as
Trustee of Ameriquest MortgageSecuruities,
Inc., Asset-Backed Pass-Through Certiticates,
Series 2004- IA I under te Pooling and
Servicing Agreement dated as of September I,
2004, Without Recourse
PLAINTIFF,
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY,
PENNSYLVANIA
NO 05-4297
CIVIL ACTION
v.
Michael L.. Garrett
1215 Indian Peg Road
Mechanicsburg, P A 17055
DEFENDANT.
PRAECIPE FOR JUDGMENT FOR FAILURE TO
ANSWER AND ASSESSMENT OF DAMAGES
TO THE PROTHONOTARY:
Kindly enter judgment in favor of the Plaintiff and against, Defendants for
their failure to file an Answer to Plaintiffs Complaint within 20 days from service thereof and
for Foreclosure and Sale ofthe mortgaged premises, and assess Plaintiffs damages as follows:
As set forth in the Complaint $128,052.16
Interest from 08/11/2005 to 03/6/2006 $ 4.798.26
TOTAL $132,850.42
I hereby certify that (I) the addresses of the Plaintiff and Defendant( s) are as ,hown above, and
(2) that notice has been given in accordance with Rule 23'Z ,copy attached. '
-' Richard M. Squire, Esquire'
Attorney for Plaintiff
DAMAGES ARE HEREBY ASSESSED AS INDICATED /l~c ~ .'
DATE:(fl~ ~~ [:/____
promo R
F:\Clients\Amcriqucst\Garretl\Default JudgmentwpdJC l
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,
Richard M. Squire & Associates, LLC
By: Richard M. Squire, Esquire
One Jenkintown Station, Suite \ 04
115 West Avenue
Jenkintown, Pa 19046
Telephone: 215-886-8790
Fax: 215-886-8791
Attorne s for Plaintiff
Deutsche Bank National Trust Company, as
Trustee of Ameriquest MortgageSecuruities, Inc.,
Asset-Backed Pass-Through Certificates, Series
2004-IA 1 under te Pooling and Servicing
Agreement dated as of September I, 2004,
Without Recourse
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO 05-4297
PLAINTIFF,
CIVIL ACTION
v.
Michael L.. Garrett
1215 Indian Peg Road
Mechanicsburg, P A 17055
DEFENDANT.
VERIFICATION OF NON-MILITARY SERVICE
Richard M. Squire, Esquire, hereby verifies that he is attorney for the Plaintiff in the
above-captioned matter, and that on information and belief, he has knowledge ofthe following facts, to
wit:
(a) that the defendants is/are not in the Military or Naval Service of the United States or
its Allies, or otherwise within the provisions of the Soldiers' and Sailors' Civil Relief Act of Congress of
1940, as amended.
(b) that Defendants are over 18 years of age and reside at 1215 Indian Peg Road,
Mechanicsburg, PA 17055.
This statement is made subject to the penaltieSZOf 18 Pa. C.S. Section 490~ relating to
unsworn falsification to authorities. ;'
l
,
,
/ ichard M. Squire,. Esquift~, /,
Attorney for PlaIntIff / y'
F'.\Clicnts\Amcriquest\Garrett\Default JudgmcntwpdJC 1
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,
Office of the
PROTHONOTARY
Cumberland County
1 Courthouse Square
Carlisle, PAA 17013-3387
717-240-6 I 95
Date
Deutsche Bank National Trust Company, as
Trustee of Ameriquest MortgageSecuruities, Inc.,
Asset-Backed Pass-Through Certificates, Series
2004-IA I under te Pooling and Servicing
Agreement dated as of September I, 2004,
Without Recourse
PLAINTIFF,
v.
Michael L.. Garrett
\ 215 Indian Peg Road
Mechanicsburg, P A 17055
DEfENDANT.
NOTICE
TO: Michael L. Garrett
1215 Indian Peg Road
Mechanicsburg, PAl 7055
Pursuant to requirements of Pennsylvania Rules of Civil Procedure, Rule 236, notice is hereby given that
on fYl'::J ()/ L ": ;)nC>(.. , ajudgment(decree)(order) was entered against you in this office in the
proceeding as indicated above.
~
Protho~~t ,
Deputy Prothonotary
Date Mailed:
F:\Clicnts\Ameriquest\Garrett\Dcfaul\ Judgmcnt.wpdJC 1
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Richard M. Squire, Esquire
LD, No, 04267
Richard M. Squire & Associates, LLC.
One Jcnkintown Station, Suite 104
ll5 West Avenue
Jcnkintown, Pa 19046
Telephone: 215-886-8790
Fax: 215-886-8791
Attorneys for Plaintiff
Deutsche Bank National Trust Company,
as Trustee of Ameriquest
MortgageSecuruities, Inc., Asset-Backed
Pass-Through Certificates, Series 2004-IAl
under te Pooling and Servicing Agreement
dated as of September 1, 2004, Without
Recourse,
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYL VANIA
NO: 05-4297
CIVIL ACTION
PLAINTIFF,
MORTGAGE FORECLOSURE
v.
Michael L. Garrett
1215 Indian Peg Road
Mechanicsburg, P A 17055
DEFENDANT.
TO: Michael L. Garrett
1215 Indian Peg Road
Mechanicsbnrg P A 17055
DATE OF NOnCE: February 24. 2006
THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT A DEBT AND ANY
INFORMA TION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE.
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 (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:
Lawyer Referral Service
Cnmberland Connty Bar Association
2 Liberty Avenue
Carlisle, PA 17013
717-249-3166 and 800-990-9108
f:\ClicntslAmeriquest\Garrctt\IO Day Notice.wpdVCl
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Richard M. Squire & Associates, LLC
By: Richard M. Squire, Esquire
M. Troy Freedman, Esquire
ID. Nos. 04267/85165
One Jenkintown Station, Suite 104
115 West Avenue
Jenkintown, Pa 19046
Telephone: 215-886-8790
Fax: 215-886-8791
Attorneys for Plaintiff
Deutsche Bank National Trust Company,
as Trustee of Ameriquest Mortgage
Securities, Inc., Asset-Backed
Pass-Through Certificates, Series
2004-IA1 under the Pooling and
Servicing Agreement dated as of
September 1, 2004, Without Recourse
PLAINTIFF,
v.
Michael L. Garrett
1215 Indian Peg Road
Mechanicsburg, PA 17055
DEFENDANT.
Attorneys for Plaintiff
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
. NO. 05-4297
CIVIL ACTION
MORTGAGE FORECLOSURE
PRAECIPE FOR WRIT OF EXECUTION
(Mortgage Foreclosure)
To the Prothonotary:
Issue Writ of Execution in the above matter.
Amount Due
Interest From 03/06/2006 to 09/06/2006
@ $23.18 per diem
* plus fees and costs
.chard M. Squire, Esqu'
Attorney for Plaintiff( s)
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WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO 05-4297 Civil
CIVIL ACTION - LAW
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the debt, interest and costs due DEUTSCHE BANK NATIONAL TRUST COMPANY,
AS TRUSTEE OF AMERIQUEST MORTGAGE SECURITIES, INC., ASSET-BACKED PASS-
THROUGH CERTIFICATES, SERIES 2004-IAl UNDER THE POOLING AND SERVICING
AGREEMENT DATED AS OF SEPTEMBER 1, 2004, WITHOUT RECOURSE, Plaintiff (s)
From MICHAEL L. GARRETT
(1) 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 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 him/her that he/she has been added as a
garnishee and is enjoined as above stated.
Amount Due $132,850.42
L.L. $.50
Interest FROM 3/6/06 TO 9/6/06 - $4,265.12 - @ $23.12 PER DIEM * PLUS FEES AND COSTS
Arty's Comm % Due Prothy $1.00
Arty Paid $116.77 Other Costs
Plaintiff Paid
Date: MAY 31, 2006
(Seal)
Prothonotary
By:
Deputy
REQUESTING PARTY:
Name RICHARD M. SQUIRE, ESQUIRE
Address: ONE JENKINTOWN STATION, SUITE 104
115 WEST AVENUE
JENKINTOWN, P A 19046
Attorney for: PLAINTIFF
Telephone: 215-886-8790
Supreme Court ID No. 04267
JI
--
Richard M. Squire, Esquire
I.D. No. 04267
Richard M. Squire & Associates, LLC
One Jenkintown Station, Suite 104
115 West Avenue
Jenkmtown,Pa19046
(215) 886-8790 Fax (215) 886-8791
Attorneys for Plaintiff
Deutsche Bank National Trust Company,
as Trustee of Ameriquest Mortgage
Securities, Inc., Asset-Backed
Pass- Through Certificates, Series
2004-IA1 under the Pooling and
Servicing Agreement dated as of
September 1, 2004, Without Recourse
PLAINTIFF,
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 05-4297
CIVIL ACTION
MORTGAGE FORECLOSURE
v.
Michael L. Garrett
1215 Indian Peg Road
Mechanicsburg, P A 17055
DEFENDANT.
AFFIDAVIT PURSUANT TO RULE 3129.1
Deutsche Bank National Trust Company, as Trustee of Ameriquest Mortgage Securities, Inc.,
Asset-Backed Pass-Through Certificates, Series 2004-IA1 under the Pooling and Servicing
Agreement dated as of September 1, 2004, Without Recourse, Plaintiff in the above action, being
authorized to do so, sets forth as of the date the Praecipe for the Writ of Execution was filed, the
following information concerning the real property located at 1215 Indian Peg Road,
Mechanicsburg, PA 17055:
1. Name and last known address ofOwner(s) or Reputed Owner(s):
Michael L. Garrett, 1215 Indian Peg Road, Mechanicsburg, PA 17055
2. Name and last known address of Defendant(s) in the judgment:
Michael L. Garrett, 1215 Indian Peg Road, Mechanicsburg, PA 17055
3. Name and last known address of every judgment creditor whose judgment is a
record lien on the real property to be sold:
None Other
., "'
4. Name and address oflast recorded holder of every mortgage of record:
None Other
5. Name and address of every other person who has any record lien on the property:
None Other
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:
P A Department of Revenue
Bureau of Compliance
PO Box 281230
Harrisburg, PA 17128-1230
Department of Public Welfare
Attn : Legal Department
Health & Welfare Building
P. O. Box 2675
Harrisburg, PA 17105-2675
Domestic Relations Section
Court of Common Pleas
13 N. Hanover Street
P.O. Box 320
Carlisle, PA 17013-3387
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/Occupant
1215 Indian Peg Road
Mechanicsburg, PA 17055
.,/ , ,
VERIFICATION
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. ~4904 relating to unsworn falsific on to authorities.
By:
Date: May 26, 2006
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Richard M. Squire & Associates, LLC
By: Richard M. Squire, Esquire
M. Troy Freedman, Esquire
ID. Nos. 04267/85165
One Jenkintown Station, Suite 104
115 West Avenue
J enkintown, Pa 19046
Telephone: 215-886-8790
Fax: 215-886-8791
Attorneys for Plaintiff
Deutsche Bank National Trust Company, as
Trustee of Ameriquest Mortgage Securities, Inc.,
Asset-Backed Pass-Through Certificates, Series
2004-IAl under the Pooling and Servicing
Agreement dated as of September 1,2004,
Without Recourse
Attorneys for Plaintiff
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
NO. 05-4297
PLAINTIFF,
CIVIL ACTION
v.
Michael L. Garrett
1215 Indian Peg Road
Mechanicsburg, PA 17055
DEFENDANT.
CERTIFICATION
Richard M. Squire, Esquire, hereby verifies that he is 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 Mortgage
() Non-owner occupied
() Vacant
(X) Act 91 Procedures have been fulfilled
This certification is made subject to the penalties of
unsworn falsification to authorities.
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Richard M. Squire, Esquire
1.D. No. 04267
One Jenkintown Station, Suite 104
1I5 West Avenue
Jenkintown, Pa 19046
Telephone: 215-886-8790
Fax: 215-886-8791
Attorneys for Plaintiff
Deutsche Bank National Trust Company,
as Trustee of Ameriquest Mortgage
Securities, Inc., Asset-Backed
Pass-Through Certificates, Series
2004-IA1 under the Pooling and
Servicing Agreement dated as of
September 1, 2004, Without Recourse
PLAINTIFF,
: IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 05-4297
CIVIL ACTION
MORTGAGE FORECLOSURE
v.
Michael L. Garrett
1215 Indian Peg Road
Mechanicsburg, P A 17055
DEFENDANT.
AFFIDAVIT OF LAST KNOWN ADDRESSES
I, Richard M. Squire, being duly sworn according to law, hereby depose and say that I am
counsel for plaintiff in the above matter and that the last known addresses for the parties herein are as
follows:
Defendant:
1215 Indian Peg Road
Mechanicsburg, P A 17055
Date: May 26, 2006
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Richard M. Squire & Associates, LLC
By: Richard M. Squire, Esquire
One Jenkintown Station, Suite 104
1I5 West Avenue
Jenkintown, Pa 19046
Telephone: 215-886-8790
Fax: 215-886-8791
Attorne s for Plaintiff
Deutsche Bank National Trust Company, as
Trustee of Ameriquest Mortgage Securities, Inc.,
Asset-Backed Pass-Through Certificates, Series
2004-IAI under the Pooling and Servicing
Agreement dated as of September I, 2004,
Without Recourse
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 05-4297
PLAINTIFF,
CIVIL ACTION
v.
Michael L. Garrett
1215 Indian Peg Road
Mechanicsburg, PA 17055
DEFENDANT.
VERIFICATION OF NON-MILITARY SERVICE
Richard M. Squire, Esquire, hereby verifies that he is attorney for the Plaintiff in the
above-captioned matter, and that on information and belief, he has knowledge of the following facts, to
wit:
(a) that the defendant is not in the Military or Naval Service of the United States or its
Allies, or otherwise within the provisions of the Soldiers' and Sailors' Civil Relief Act of Congress of
1940, as amended.
(b) that Defendant Michael L. Garrett is over 18 years of age and resides at 1215 Indian
Peg Road, Mechanicsburg, P A 17055.
This statement is made subject to the penalties of 18 Pa. C.S. Section 49 4 relating to
unsworn falsification to authorities.
F:\Clients\Ameriquest\Garrett\Default Judgment.wpdJC 1
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Richard M. Squire, Esquire
LD. No. 04267
Richard M. Squire & Associates, LLC
One Jenkintown Station, Suite 104
liS West Avenue
Jenkintown, Pa 19046
Telephone: 215-886-8790
Fax: 215-886-8791
Attorneys for Plaintiff
Deutsche Bank National Trust Company,
as Trustee of Ameriquest Mortgage
Securities, Inc., Asset-Backed
Pass- Through Certificates, Series
2004-IAl under the Pooling and
Servicing Agreement dated as of
September 1, 2004, Without Recourse
PLAINTIFF,
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 05-4297
CIVIL ACTION
MORTGAGE FORECLOSURE
v.
Michael L. Garrett
1215 Indian Peg Road
Mechanicsburg, PA 17055
DEFENDANT.
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
TO: Michael L. Garrett
1215 Indian Peg Road
Mechanicsburg, P A 17055
Your house (real estate) at 1215 Indian Peg Road, Mechanicsburg, PAl 7055 is scheduled to be sold
at Sheriff's Sale on Wednesday September 6, 2006 at 10:00am, Courthouse, 1 Courthouse Square,
Carlisle, PA 17013 to enforce the court judgment of$132,850.42 plus interest to the sale date obtained by
Deutsche Bank National Trust Company, as Trustee of Ameriquest Mortgage Securities, Inc., Asset-Backed
Pass- Through Certificates, Series 2004-IAl under the Pooling and Servicing Agreement dated as of
September 1, 2004, Without Recourse 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 canceled if you pay back to Deutsche Bank National Trust Company, as
F:\Clients\Ameriquest\Garrett\ WRIT.MA Y06.wpdBC
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Trustee of Ameriquest Mortgage Securities, Inc., Asset-Backed Pass-Through Certificates,
Series 2004-IAl under the Pooling and Servicing Agreement dated as of September 1,2004,
Without Recourse, 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:
Richard M. Squire, Esquire at (215) 886-8790.
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 below 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 Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may
find out the price bid by calling the Cumberland County Sheriffs Office at 717-240-6100.
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 the Cumberland County Courthouse at
717-240-6195.
4. Ifthe 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 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.
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 no later than 30 days
after the Sheriffs 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.
7. You may also have other rights and defenses or ways of getting your house back, if you act
immediately after the sale.
Lawyer Reference Service
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, P A 17013
717-249-3166 and 800-990-9108
Be
., .
..
Richard M. Squire & Associates, LLC
By: Richard M. Squire, Esquire
M. Troy Freedman, Esquire
ID. Nos. 04267 / 85165
One Jenkintown Station, Suite 104
115 West Avenue
Jenkintown, Pa 19046
Telephone: 215-886-8790
Fax: 215-886-8791
Attorneys for Plaintiff
Deutsche Bank National Trust Company, as
Trustee of Ameriquest Mortgage Securities,
Inc., Asset-Backed Pass-Through
Certificates, Series 2004-IAI under the
Pooling and Servicing Agreement dated as
of September 1, 2004, Without Recourse
PLAINTIFF,
v.
Michael L. Garrett
1215 Indian Peg Road
Mechanicsburg, PA 17055
DEFENDANT.
Date: May 31, 2006
Attorneys for Plaintiff
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 05-4297
CIVIL ACTION
MORTGAGE FORECLOSURE
To: ALL PARTIES IN INTEREST AND CLAIMANTS
NOTICE OF SHERIFF' SALE
OF REAL PROPERTY
OWNER(S): Michael L. Garrett
PROPERTY: 1215 Indian Peg Road
Mechanicsburg, PA 17055
Improvements: RESIDENTIAL DWELLING
The above captioned property is scheduled to be sold at the Cumberland County Sheriff Sale,
Wednesday September 6, 2006 at lO:OOam, Courthouse, 1 Courthouse Square, Carlisle, PA 17013.
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 than 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.
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Deutsche Bank National Trust Company,
As Trustee of Ameriquest Mortgage
Securities, Inc., Asset-Backed Pass-
Through Certificates, Series 2004-IAl
under the Pooling and Servicing
Agreement dated as of September 1, 2004
Without Recourse
VS
Michael L. Garrett
In The Court of Common Pleas of
Cumberland County, Pennsylvania
Writ No. 2005-4297 Civil Term
R. Thomas Kline, Sheriff, who being duly sworn according to law, states this writ
is returned STAYED per letter of request from Attorney Richard Squire.
Sheriff's Costs:
Docketing
Surcharge
Prothonotary
Law Library
Poundage
Postpone Sale
Advertising
Levy
Posting Handbills
Mileage
Share of Bills
Patriot News
Law Journal
30.00
20.00
1.00
.50
529.54
20.00
15.00
15.00
15.00
7.04
19.31
297.80
365.00
$1,335.19 ,/
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R. Thomas Kline, Sheriff
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Richard M. Squire, Esquire
J.D. No. 04267
Richard M. Squire & Associates, LLC
One Jenkintown Station, Suite 104
115 West Avenue
Jeruontown,Pal9046
(215) 886-8790 Fax (215) 886-8791
Attorneys for Plaintiff
Deutsche Bank National Trust Company,
as Trustee of Ameriquest Mortgage
Securities, Inc., Asset-Backed
Pass- Through Certificates, Series
2004-IAl under the Pooling and
Servicing Agreement dated as of
September 1, 2004, Without Recourse
PLAINTIFF,
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 05-4297
CIVIL ACTION
v.
j MORTGAGE FORECLOSURE
Michael L. Garrett
1215 Indian Peg Road
Mechanicsburg, P A 17055
DEFENDANT.
AFFIDAVIT PURSUANT TO RULE 3129.1
Deutsche Bank National Trust Company, as Trustee of Ameriquest Mortgage Securities, Inc.,
Asset-Backed Pass-Through Certificates, Series 2004-IAl under the Pooling and Servicing
Agreement dated as of September 1, 2004, Without Recourse, Plaintiff in the above action, being
authorized to do so, sets forth as of the date the Praecipe for the Writ of Execution was filed, the
following information concerning the real property located at 1215 Indian Peg Road,
Mechanicsburg, PA 17055:
1. Name and last known address ofOwner(s) or Reputed Owner(s):
Michael L. Garrett, 1215 Indian Peg Road, Mechanicsburg, P A 17055
2. Name and last known address ofDefendant(s) in the judgment:
Michael L. Garrett, 1215 Indian Peg Road, Mechanicsburg, PA 17055
3. Name and last known address of every judgment creditor whose judgment is a
record lien on the real property to be sold:
None Other
."
4. Name and address oflast recorded holder of every mortgage of record:
None Other
5. Name and address of every other person who has any record lien on the property:
None Other
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:
P A Department of Revenue
Bureau of Compliance
PO Box 281230
Harrisburg, PA 17128-1230
Department of Public Welfare
Attn : Legal Department
Health & Welfare Building
P. O. Box 2675
Harrisburg, PA 17105-2675
Domestic Relations Section
Court of Common Pleas
13 N. Hanover Street
P.O. Box 320
Carlisle, PA 17013-3387
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/Occupant
1215 Indian Peg Road
Mechanicsburg, PA 17055
'.
VERIFICATION
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. ~4904 relating to unsworn falsific on to authorities.
By:
Date: May 26, 2006
"
Richard M. Squire & Associates, LLC
By: Richard M. Squire, Esquire
M. Troy Freedman, Esquire
rD. Nos. 04267/85165
One J enkintown Station, Suite 104
115 West Avenue
Jenkintown, Pa 19046
Telephone: 215-886-8790
Fax: 215-886-8791
Attorneys for Plaintiff
Deutsche Bank National Trust Company, as
Trustee of Ameriquest Mortgage Securities, Inc.,
Asset-Backed Pass-Through Certificates, Series
2004-IA1 under the Pooling and Servicing
Agreement dated as of September 1, 2004,
Without Recourse
Attorneys for Plaintiff
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
NO. 05-4297
PLAINTIFF,
CIVIL ACTION
v.
Michael 1. Garrett
1215 Indian Peg Road
Mechanicsburg, PA 17055
DEFENDANT.
CERTIFICATION
Richard M. Squire, Esquire, hereby verifies that he is 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 Mortgage
() Non-owner occupied
() Vacant
(X) Act 91 Procedures have been fulfilled
This certification is made subject to the penalties of
unsworn falsification to authorities.
'.
Richard M. Squire, Esquire
LD. No. 04267
One Jenkintown Station, Suite 104
115 West Avenue
J enkintown, Pa 19046
Telephone: 215-886-8790
Fax: 215-886-8791
Attorneys for Plaintiff
Deutsche Bank National Trust Company,
as Trustee of Ameriquest Mortgage
Securities, Inc., Asset-Backed
Pass- Through Certificates, Series
2004-IAl under the Pooling and
Servicing Agreement dated as of
September 1, 2004, Without Recourse
PLAINTIFF,
: IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYL V ANlA
NO. 05-4297
CIVIL ACTION
MORTGAGE FORECLOSURE
v.
Michael L. Garrett
1215 Indian Peg Road
Mechanicsburg, P A 17055
DEFENDANT.
AFFIDAVIT OF LAST KNOWN ADDRESSES
I, Richard M. Squire, being duly sworn according to law, hereby depose and say that I am
counsel for plaintiff in the above matter and that the last known addresses for the parties herein are as
follows:
Defendant:
1215 Indian Peg Road
Mechanicsburg,PA 17055
Date: May 26, 2006
'.
Richard M. Squire & Associates, LLC
By: Richard M. Squire, Esquire
One Jenkintown Station, Suite 104
115 West Avenue
Jenkintown, Pa 19046
Telephone: 215-886-8790
Fax: 215-886-8791
Attorne s for Plaintiff
Deutsche Bank National Trust Company, as
Trustee of Ameriquest Mortgage Securities, Inc.,
Asset-Backed Pass-Through Certificates, Series
2004-IAl under the Pooling and Servicing
Agreement dated as of September 1, 2004,
Without Recourse
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 05-4297
PLAINTIFF,
CNIL ACTION
v.
Michael L. Garrett
1215 Indian Peg Road
Mechanicsburg, PA 17055
DEFENDANT.
VERIFICATION OF NON-MILITARY SERVICE
Richard M. Squire, Esquire, hereby verifies that he is attorney for the Plaintiff in the
above-captioned matter, and that on information and belief, he has knowledge of the following facts, to
wit:
(a) that the defendant is not in the Military or Naval Service of the United States or its
Allies, or otherwise within the provisions of the Soldiers' and Sailors' Civil Relief Act of Congress of
1940, as amended.
(b) that Defendant Michael L. Garrett is over 18 years of age and resides at 1215 Indian
Peg Road, Mechanicsburg, PA 17055.
This statement is made subject to the penalties of 18 Pa. C.S. Section 49 4 relating to
unsworn falsification to authorities.
F:\Clients\Ameriquest\Garrett\Default Judgment.wpdJC 1
..
Richard M. Squire & Associates, LLC
By: Richard M. Squire, Esquire
M. Troy Freedman, Esquire
ID. Nos. 04267 / 85165
One Jenkintown Station, Suite 104
115 West Avenue
J enkintown, Pa 19046
Telephone: 215-886-8790
Fax: 215-886-8791
Attorneys for Plaintiff
Deutsche Bank National Trust Company, as
Trustee of Ameriquest Mortgage Securities,
Inc., Asset-Backed Pass-Through
Certificates, Series 2004-IA1 under the
Pooling and Servicing Agreement dated as
of September 1, 2004, Without Recourse
PLAINTIFF,
v.
Michael L. Garrett
1215 Indian Peg Road
Mechanicsburg, PA 17055
DEFENDANT.
Date: May 31,2006
Attorneys for Plaintiff
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 05-4297
CIVIL ACTION
MORTGAGE FORECLOSURE
To: ALL PARTIES IN INTEREST AND CLAIMANTS
NOTICE OF SHERIFF' SALE
OF REAL PROPERTY
OWNER(S): Michael L. Garrett
PROPERTY: 1215 Indian Peg Road
Mechanicsburg, PA 17055
Improvements: RESIDENTIAL DWELLING
The above captioned property is scheduled to be sold at the Cumberland County Sheriff Sale,
Wednesday September 6, 2006 at 10:00am, Courthouse, 1 Courthouse Square, Carlisle, PA 17013.
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 than 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.
..
Richard M. Squire, Esquire
J.D. No. 04267
Richard M. Squire & Associates, LLC
One Jenkintown Station, Suite 104
115 West Avenue
Jenkintown, Pa 19046
Telephone: 215-886-8790
Fax: 215-886-8791
Attorneys for Plaintiff
Deutsche Bank National Trust Company,
as Trustee of Ameriquest Mortgage
Securities, Inc., Asset-Backed
Pass-Through Certificates, Series
2004-IAl under the Pooling and
Servicing Agreement dated as of
September I, 2004, Without Recourse
PLAINTIFF,
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYL V AN1A
NO. 05-4297
CIVIL ACTION
MORTGAGE FORECLOSURE
v.
Michael L. Garrett
1215 Indian Peg Road
Mechanicsburg, PA 17055
DEFENDANT.
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
TO: Michael L. Garrett
1215 Indian Peg Road
Mechanicsburg, PA 17055
Your house (real estate) at 1215 Indian Peg Road, Mechanicsburg, P A 17055 is scheduled to be sold
at Sheriffs Sale on Wednesday September 6, 2006 at 10:00am, Courthouse, 1 Courthouse Square,
Carlisle, PA 17013 to enforce the court judgment of$132,850.42 plus interest to the sale date obtained by
Deutsche Bank National Trust Company, as Trustee of Ameriquest Mortgage Securities, Inc., Asset-Backed
Pass-Through Certificates, Series 2004-IAl under the Pooling and Servicing Agreement dated as of
September 1,2004, Without Recourse against you.
NOTICE OF OWNER'S RIGHTS
YOU MAYBE ABLE TO PREVENT THIS SHERIFF'S SALE
To prevent this Sheriffs Sale you must take immediate action:
1. The sale will be canceled if you pay back to Deutsche Bank National Trust Company, as
F:\Clients\Ameriquest\Garrett\ WRIT.MA Y06.wpdBC
.
.
Trustee of Ameriquest Mortgage Securities, Inc., Asset-Backed Pass-Through Certificates,
Series 2004-IA1 under the Poolingal1d Servicing Agreement dated as of September 1,2004,
Without Recourse, 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:
Richard M. Squire, Esquire at (215) 886-8790.
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 below 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 Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may
fmd out the price bid by calling the Cumberland County Sheriffs Office at 717-240-6100.
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 the Cumberland County Courthouse at
717-240-6195.
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 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.
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 no later than 30 days
after the Sheriffs 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.
7. You may also have other rights and defenses or ways of getting your house back, if you act
immediately after the sale.
Lawyer Reference Service
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
717-249-3166 and 800-990-9108
Be
WRIT OF EXECUTION and/or ATTACHMENT
,
COMMONWEALTH OF PENNSYL VANIA)
COUNTY OF CUMBERLAND)
NO 05-4297 Civil
CNIL ACTION - LAW
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the debt, interest and costs due DEUTSCHE BANK NATIONAL TRUST COMPANY,
AS TRUSTEE OF AMERlQUEST MORTGAGE SECURITIES, INC., ASSET-BACKED P ASS-
THROUGH CERTIFICATES, SERIES 2004-IAl UNDER THE POOLING AND SERVICING
AGREEMENT DATED AS OF SEPTEMBER 1, 2004, WITHOUT RECOURSE, Plaintiff (s)
From MICHAEL L. GARRETT
(1) 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 him/her that he/she has been added as a
garnishee and is enjoined as above stated.
Amount Due $132,850.42 L.L. $.50
Interest FROM 3/6/06 TO 9/6/06 - $4,265.12 - @ $23.12 PER DIEM * PLUS FEES AND COSTS
Arty's Corom % Due Prothy $1.00
Arty Paid $116.77 Other Costs
Plaintiff Paid
Date: MAY 31, 2006
(Seal)
Prothonotary
By:
Deputy
REQUESTING PARTY:
Name RICHARD M. SQUIRE, ESQUIRE
Address: ONE JENKINTOWN STATION, SUITE 104
115 WEST AVENUE
JENKINTOWN, PA 19046
Attorney for: PLAINTIFF
Telephone: 215-886-8790
Supreme Court ID No. 04267
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Real Estate Sale # 78
On June 06, 2006 the Sheriff levied upon the
defendant's interest in the real property situated in
Monroe Township, Cumberland County, PA
Known and numbered as 1215 Indian Peg Road,
Mechanicsburg, more fully described on Exhibit "A"
filed with this writ and by this reference incorporated herein.
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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,
VIZ:
July 21, July 28, and August 4,2006
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 true.
SWORN TO AND SUBSCRIBED before me this
4 day of August. 2006
r NOT ARI L SEAL
[ LOIS E SNYDER, Notary Public
( Carlisle Boro, Cumberland County
r My Commission Expires March 5. 2009
t.L..........~.,___...~
I
REAL ESTATE SALE NO. 78
Writ No. 2005-4297 Civil
Deutsche Bank National Trust
Company as Trustee of
Ameriquest Mortgage Securities.
Inc.. Asset-Backed Pass-Through
Certificates Series 2004- IAl under
the Pooling and Servicing
Agreement dated as of September
1. 2004. Without Recourse
vs.
Michael L. Garrett
Atty.: Richard M. Squire
LEGAL DESCRIPTION
ALL THAT CERTAIN tract of land
situate in the Township of Monroe.
County of Cumberland. and Com-
monwealth of Pennsylvania. being
more particularly bounded and de-
scribed as follows. to wit:
BEGINNING at an iron pin at the
comer of land now or formerly of
David Paulus and other lands now
or formerly of Robert Moffitt;
Thence along said lands now or for-
merly of Robert Moffit. South 81
degrees 30 minutes West for a dis-
tance of one hundred forty-two and
nine tenths (142.9) feet to an iron
pin; thence along lands now or for-
merly of C. R. Minnich. South 65
degrees 58 minutes West. for a dis-
tance of thirty-eight (38) feet to an
iron pin; thence along lands formerly
of Edward L. Miller. and now of
Walter L. Berkheimer and Martha
E. Berkheimer. his wife North 8
degrees 53 minutes 50 seconds
West. for a distance of two hundred
sixty-nine and one tenth (269.1) feet
to a stake; thence along lands now
or formerly of Walter L. Berkheimer
and Martha E. Berkheimer. and con-
tinuing along land of William
Goodyear. North 75 degrees 25 min-
utes East. for a distance of one hun-
dred eighty and no hundredths
(180.00) feet to a stake; thence along
lands now or formerly of Davis
Paulus. South 8 degrees 48 min-
utes 30 seconds East. two hundred
seventy-eight and no hundredths
(278.00) feet to an iron pin at the
place of BEGINNING.
BEING known and municipally
numbered as 1215 Indian Peg Road.
Mechanicsburg. Pennsylvania
17055.
Parcel No. 22-12-0348-138.
..
THE PATRIOT NEWS
THE SUNDAY PATRIOT NEWS
Proof of Publication
Under Act No. 587, Approved May 16,1929
Commonwealth of Pennsylvania, County of Dauphin} ss
Joseph A. Dennison, being duly sworn according to law, deposes and says:
That he is the Assistant Controller of The Patriot News Co., a corporation organized and existing under the
laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market
Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The Patriot-
News and The Sunday Patriot-News newspapers of general circulation, printed and published at 812 to 818 Market
Street, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were
established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever
since;
That the printed notice or publication which is securely attached hereto is exactly as printed and published
in their regular daily and/or Sunday/ Metro editions which appeared in the 19th and 26th day(s) of July and the
2nd day(s) of August 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
S ALE #78
NNSVLVANIA
Notarial Seal
Terry l. Russell, Notary. Public
C' 01 Harrisburg, DauphIn County
mis . res June 6,2010
ania Association of Notaries
I
CUMBERLAND COUNTY SHERIFF'S OFFICE
CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PA. 17013
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