HomeMy WebLinkAbout05-4553
Pluese, Becker & Saltzman, LLC
Rob Saltzman, Esquire
Attorney Identification No.: 53957
20000 Horizon Way, Ste 900
Mt. Laurel, NJ 08054
(856) 813-1700
Attomeys for Plaintiff
CITIBANK, N.A. AS TRUSTEE UNDER
THE POOLING AND SERVICING
AGREEMENT DATED AS OF
NOVEMBER 30, 2001, SERIES 2001-1
1100 Corporate Center Drive
Raleigh, NC 27607
Plaintiff,
v.
TONY 1. KELLER, Sf. and
JOANN WARD
Defendants.
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
OS - ""-If{S3
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CIVIL ACTION
COMPLAINT IN MORTGAGE FORECLOSURE
NOTICE
YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THB
CLAIMS SET FORTH N THE FOLLOWING PAGES, YOU MUST TAKE ACTION
WITHIN TWENTY (20) DAYS AFfER THIS COMPLAINT AND NOTICE ARE
SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY
A TIORNEY AND FILING THE WRITING WITH THE COURr 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 ANDA
JUDGMENT MAYBE ENTERED AGAINST YOU BY THE COURT WITHOUT
FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR
ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF, YOU MAY
LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU
YOU SHOULD TAKE THIS PAPER TO YOUR LA WYERA T ONCE IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GOT TO OR TELEPHONE THE
OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP
CUMBERLAND COUNTY BAR ASSOCIA TJON
2 Liberty Avenue
Carlisle,PA 17013
1/800-990-9108
NOTICIA
LE HAN DEMANDADO A USTED EN LACORTE SI USTED QUIERE DEFENDERSE
DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, USTED
TJENE (20) DlAS DE PLAZO A PARTIR DE LA FECHA DE LA DEMANOA Y LA
NOIlFICACION. USTED DEBE PRESENTAR UNA APARlENClA ESCRITA 0 EN
PERSONA 0 POR ABOGADO Y ARCHI\' AR EN LA CORTE SUS DEFENSAS 0 SUS
OBJEClONES A LAS DEMANDAS ENCONTRA DE SU PERSONA SEA A VISAOO
QUE Sf USTED NO SE DEFIENDE, LA CORTE TOMARA MEOlDAS Y PUEDE
ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO A V/SO 0 NOTlFlCACION 0
POR CUALQIER QUEJA 0 ALTVIO QUE ESPEDlDO EN LA PET/CION DE
OEMANOA USTED PUEOE PERDER DINERO, SUS PROPIEDADES 0 OTROS
DERECHOS IMPORTANTES PARA USTED
LLEVE ESTA DEMANDA A UN ABOGADO IMMEDlATAMENTE. 51 NO IlENE
ABOGADOO SINO TlENEELDINERO SUF!CIENTE PARA PAGAR TAL SERVICIO,
VA Y A EN PERSONAO LLAME POR TELEFONOALA OFICINA CUY A D1RECCION
SE ENCUENTRA ESCRlTA ABAJO PARA AVERlGUAR DONOE USTED PUEDE
CONSEGUlR ASISTENCIA LEGAL
CUMBERLAND COUNTY BAR ASSOCIATION
2 Libeny Avenue
Carlisle,PA 17013
11800-990-9108
CIVIL ACTION n COMPLAINT IN MORTGAGE FORECLOSURE
1. Plaintiff is:
Citibank, N.A. as Trustee Under the Pooling and Servicing Agreement dated as of
November 30,2001, Series 2001-1
1100 Corporate Center Drive
Raleigh, NC 27607
2. Plaintiff is, or will be, the owner oflegal title to the mortgage that is the subject of
this action, and nominee for the entity indicated below, which is the owner of the entire beneficial
interest in the mortgage:
First Union National Bank of Delaware
One Rodney Square, 926 King Street
Wilmington, DE 19801
3.
(a)
Defendants, Tony 1. Keller, Sr. and J oann Ward, are individuals whose last
known address is 707 West Pine Street, Mt. Holly Springs, PA 17065.
(b) Defendants, Tony 1. Keller, Sr. and Joann Ward, hold an interest in the
subj ect property as mortgagors and record owners.
(c) If any ofthe above named Defendants are deceased, this action shall proceed
against the deceased Defendant's heirs, assigns, successors, administrators, personal representatives
and/or executors through their estate whether the estate is probated.
4.
(a)
The residential mortgage being foreclosed encumbers property located at 707
West Pine Street, Mt. Holly Springs pA 17065, County of Cumberland, Pennsylvania.
(b) All documents evidencing the residential mortgage have been recorded in the
Recorder of Deeds' Office in Cumberland County, Pennsylvania.
(c) On August 14,2000, the defendant (s) / mortgagor(s) made, executed and
delivered a mortgage (the "Mortgage") upon the premises hereinafter described to First Union
National Bank of Delaware which mortgage is recorded in the Office of the Recorder of Cumberland
County, on August 15,2000, in Mortgage Book Volume 1632, page 725. Plaintiff is now the legal
holder of the mortgage and is in the process of formalizing an assignment of same.
(d) The legal description for the property is attached hereto and incorporated
herein as Exhibit "A" (Legal Description) .
(e) Pursuant to Pa. R.C.P. 1147 (1) and 1019(g) Plaintiffis not obliged to append
copies of the above mentioned publicly recorded documents to this mortgage foreclosure action.
These documents are, however, appended hereto and incorporated herein by reference as Exhibit
"B", Mortgage.
(f) The Combined Notice has been sent to the Defendant(s) by regular and
certified mail as required by 35 P.S. 9 I 680.403c on the date(s) set forth in the true and correct copy
of such notice(s) attached hereto as Exhibit "C".
5. The mortgage is in default because the Defendants, Tony 1. Keller, Sr. and Joann
Ward, failed to timely tender the monthly payment of$I,217.45 due May 14, 2005, and thereafter
failed to make the monthly payments.
6. As authorized under the mortgage instrument, the loan obligation has been
accelerated.
7. Plaintiff seeks entry of judgment in rem on the following sums:
(a)
Principal balance of mortgage
due and owing
$116,427.52
(b) Interest due and owing at the $5,283.05
rate of 11.85%
caleulated from the default
date above stated through
August 31, 2005
Interest will continue to
accrue at the per diem rate of
$38.23 through the date
on which judgment in rem is
entered in Plaintiff's favor.
(c) Corporate Advance $120.04
(d) Attorneys' fees $1,250.00
(e) Accrued Late Charges $281.33
(g) Title Search $300.00
(h) Escrow Advance $6,974.66
(i) Corporate Advance $129.68
(j) NSF Charges $15.00
(k) Suspense Balance -$104.23
TOTAL IN REM JUDGMENT SOUGHT BY PLAINTIFF
$130,677.05
8. 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 Sheriff's Sale.
If the Mortgage is reinstated or satisfied prior to the Sale, reasonable attorneys' fees will be charged.
WHEREFORE, the Plaintiff demands:
Entry of Judgment in rem against the Defendants
above named in the total amount of $130,677 .05 as stated at Paragraph 6,
plus all additional interest and late charges accruing through date of judgment
entry; and
Foreclosure and Sheriffs Sale of the subject mortgaged property.
Pluese, Becker & Saltzman, LLC
~~
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BY: /
Rob/Saltzman, Esquire
AttOrney for Plaintiff
Attorney LD. No. 53957
/
NOTICE REQUIRED I3Y THE
FAlH DEBT COLLECTlU,\'
I'R\CTlCES ACT, ((he ~l'l),
15 use SECTIO., 160J ,\5'\,\I[;,DED
To Ihe cxlcnl Ihc ilCI may :;ppl)', pleasc be JJ'ISed orlhe (0110\\ Ing
The JnlOlInl oflhe ol'glnJI dehl is slJted In pdri1glaph OllC oflhe COmplJII11 dll:lchru herelo
o The rl:illlllf( 11'110 IS I1Jmed In Ihe "llached .I'..'otiCC 10 rleJcJ Jnu COl11plJiI'l is Ihe CreOllor 10
\\ 110m Ihe debl IS owed
3 lhe uebl uescllbed 111 thc Complillnt dlldchcu herelo anu e\ ldel1ccu by Ihe Cory of Ihe
mOI1go!2c'1l0Ie wdl be Jssumeolo he ":dld hy Illc (Ieollor's IJw IIrm, u"lcss Ihe DcbIOI(s), \\ Il1lln
Ihllly o.JI'S dlicr recelpl ,,(Ihls nOIICt. dlspules, In wrlling. Ihe VdllUlly ,,(Ihe oc.bl Or SOllle pOl1JOn
t herea (
4 I(thc rJchior 11011(,es thc CieJ,lor's !JI\' 111m In v,,:ltll1g \\lthlll Ihlny dJYs o(lhe re(e!pt orum
not:ce Ihallhc dcbt Or any pOrlrol1thcrcofls dlSpuleu. Ihc Credllol'5 IJW linn wdl Obldln \ erlIlCJI!On
Ollhc debt .111d J copy oflhe "cril;c"llon wdl bc madeu 10 Ihe Deblor ill' Ihe Cledll(JI'S Idw IIrm
) 1I1hc CrccJltor \\ho" I1dllleJ JS Plalnllffln Ihe JllJehed !'>iolrce 10 I'IC:10 Jnu Cnmpl,llllllS nntlhc
Oij~I1lrtj crcJllor. Jnd iflhe DehlOI' Indkes \VIII!cn Jeo'Jc,sr to Ihc (':cdlln/'c::. !;:1W {,'1""!11 II Ph.'n :\\'Cr,1',.
- . .
(2U) dJYS from the receipt of Ihls Notice, thc name Jlld addlc,s of the ()(Jglndl Credllor will be
melded 10 rhe Dt'blor by Ihe Cledllor's IJW firm
(, II'lIllel1 rrqllCSI shollld be ddulcssed 10 Plllese, Gcckcr & S:J/ILm.1n, LtC 20000 Horlzoll
SlIIte 9011,1\11 LJlITeJ, NJ 08054 /lllentlOll Rob SdllZl1ldn, [squllc
\\I,l\"
-'
VERIFICATION
I, ~,7c1! 4' ;/"7 ' as the representative of the
Plaintiff corporation within named do hereby verify that I am
authorized to and do make this verification on behalf of the
Plaintiff corporation and the facts set forth in the foregoing
Complaint are true and correct to the best of my knowledge,
information and belief. I understand that false statements therein
are made subject to the penalties of 18 Pa. C.S. 4904 relating to
~
unsworn falsification to authorities.
>>
Date: Auj 61, ;?tJas-
CUlTcnt Owner Search
Page 3 of3
DESCRI.\'TION
ALL THAT CERTAIl\' 101 of land sItuate m South Middleton Townslllp, Cumberland COUl1ly,
Pennsylvama, bounded and described as follows:
BEGINNING at an Iron pm on tile Southern ng!lt of way of Townshlp Road No. 475 (West Pine Slree!)
bemg tile Nonhwest corner of Lot No.3; thence along Lot No.2 South 09 degrees 23 mmutes East
404.52 feet to an ]ron pm; thence along Lot No.7 North 87 degrees 10 mInutes Easl 70.00 feet to an ]ron
pIn; thence along Lot No.4 North 02 degrees 18 mmules 50 seCOJ1ds West 385.28 feet to an lron pm;
thence along Ihe Soutllenl nghl of way of Township Road 475 }Jortl1 68 degrees 25 Illinutes West 63.47
feet to an Iron pm; thence along the same NOlt!l 83 degrees 18 mmutes 40 seconds West 62.53 feet to tile
Plaec of Begll1l1mg.
BEING Lot Number 3 according to a Subdivlslon PIan for Jolm e. Maunce m South Middleton
Townslnp, Cumberland County, Pennsylvarua, prepared by Thomas A. Neff. R.S. on January 5, ] 977, and
recorded in the Office of the Recorder of Deeds m and for Cumberland County.
CONTAU\ING .837 acres.
Being Pa.'CcJ No. 40-32-2332-026
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RHfJLJ~.! :.-F ~'EEDS
CUI<BEnU,lll COUIIH-PA
P,.",.r.dBr.
"'rat Unlr;lr\N.uo~'1 tkr\~ofl>-l.....~
C/fJa.rvlr;8ClfIlllr
Br~ RUl&rch Orflrl
:!;\Jlt.e
Ctu.noItI,NC 211214-00ft
ActountNUflblr:U. OOaS471,5a
'DO RUG 15 p~ 3 18
~""mTo:
InIl. UnIon N<<I~Ml8...1t 1)( !)..........
10 3.r.1t.u C:"lIr
74G~u.n:hDr\..,.
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FIWtI:l1U,HC 21t1&.al1t7
r"""INumtler: "~"'~"PlW.~~
MORTGAGE
THIS iiDRTG,toQ1! l:a rM~ tN, ClD)' Augult 14, 211llJ, ~en tJ'IC MQng~, TOKY L .KEllER aFt..
and .JOAN:N WARp, ,('\DrlIln ~. '114 I.... YlItIQlQltI, A~l Unkln NIDMIIl I!Ir\W 0'
O.I~.,... . 1'Itotlo1\41 banld~ flUCIl;;hllll;l" D~'nlDd 1r)3 .:dltln; oIr\&!lr 1M lIwI cl'the Urbd Gtateacl
Arnoll~, \oIlf'o~ 100000SS l5 C". Rtlt1tI.y ~1l'1"Io, I~ KI"U sn-r. WIlrnlllOtDl1, DE: 1sab1 (tNn1n
"L.el"dtl"'). ,
\o\tl~, Bormll.Rr b IndBbllld III l.Ind"Df 11) !f. ~1\DpI1 tur" of He. S111.1DUO. W!"ICh
Inclstb:lll'" b Wi:.'I.~lI by ~1'1I t.ltl1i1Il'~.~ aUll 14, 1'00 arc e~n3*:lns. ",,,,dlbtll'.llU
Ind IYIr.'4lJ IMnfli (l'IImln "Noll"), pn;M~nlillor liy iIlR.llllmenla 0' JWM:l!JII:I In" ln~r.5t, wit~ ti'YD
t:.1'~(l(W1t1&tte.l:lI\!lS.Unol~N1r~kJ,d1e Rpll DIoOf1AUCI\.j.l1~:a:IlJl).
10 SeCURE 10 LaneerlllD f'tIPilI'l1'l'~1"Il ~1f'D t~b(Pdnt'" -.idan:&d bv IhR Not_, wUh hI~i"lIN1"oll;
ltlll p6~rt1 tJI.1I elM" lilJlrI>, WtlJ Inle~5f 1heAlon, dwfliltl'l irJ ~rl'IIl\:Il ,*"wllh hl ~ u.
ac.wtty ", Uis MllrlllllQ8: .~Il tl\j I$'t'lImaI'lCll O/IhQ, ::OV'llIru Ind IQItOm1lf'U .... ~r twn.F1
eonIalll'd., e.IIlI'D\loerd(lll.hB"br~gl, lPl'i\Il'd~ItI18Mtrlhilb&r.4nll'lMlCriCed~J'!"r1,Y
ICl;Ilud In thO Co:mt) OfCUWJE:Rl..N.'O, SliiA of P-il'lnfJf\lllrU:
SEE...TT....~EO &fHEDUlE....
WI'lI'-h "*' !lIe d&1ruso/ Tar WEST PINE ",.",m, ~ HOl.l.Y SPRINllS. PA11UI$5IJnlt
PB'mIoINl)._(tttIDIn'PfCIporfY"~":
TOGElHER wlltl all tha Implltvemanl:t; n~' hel'llA(tol' e"'GtDd D" 111.
Pf3I*1V, and an euemenl$, nahtt,IPPU FIe.. and Utntl.'1 of WhIch than
blli cClor1Uld to be Bnd ramlln 011 pll't of rI1t porty CQwrBd by lhIl Mortgage'
and All of the fOf1lg0J"SI tDglftherwfth., pl'Openy (orth4lll......hDld u1&fIt I,
this Lbrtgega lion alell50hold) 1111 ha,..' ftD( I'8forr.d to.. d11!1 "Property...
AnyRJdlrj"FtIdl'" IlUdw !'u,1'*tD and nl,wt.,'llf Inn dn It lrw:otylOtln<<l _tln.1Id "'.
COIl_rlmt Afllf -OA..,"'_ 0' n'l F2.lw .bllI If'l'll'l aN! IIIlPpiam.,1t h al\l,IWIUl .'It!
.-",.tmtrnlu.'lhl,JJoltJ:lIO..lllrlh. R1dlr'MIr'~Plrth.t'-l;Ir.
l:lorTowIrCD\o!IfIIJ'rtA fllat BOI'ftl'I.er Illllwfllly IilImd rJ!" ,q~ f'\It'Itly t::O~ IIn~ hili \~ l'iOltllfl'
mo"Q&~If, glnt m::I to"lyty \1lO PfPPlIrt't, end U'lIfllna PItl,P8n)' i& l.c"'I'H:a(Tlbulll, elalpt for
QOQ.mtrlneuCl' recon:l. BIlIm'MH QO\lQnllUthltBolJo_r ...rf'lL't6 and y,(II ~"'n.:I gl5ne18f1J"tI1e 11lIl'
llllho PIrIj)OlIY~\rIllla ~m' RIIO'Oomllndtl, raUbJe=Io t1n:urnbrarallltl'lQrd,
PUI..-l~IOf
::."lllel!5~~I~(~"al, 7.a:j
PIollll'i
LIlM!fI;o~r.'::tIoo:r;.or'&l
BOUk1632 rlGE ..725
kJ-V/v'L' 6'
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".....;. ''';;'.''<''''~''''J._...~.~.",......"u"
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UNIl'ORM c.oVEhlAN'l'1.. Boro'DWtlr ,rill Lundllr CQWrnlllmO _;"'I!llil' loncrw.
" Pr,'lJMlm of Pr1lN:lpil ancl In*at, Borrower $hll~ "l1J."'~V ~y \ofllll'l ClUG thll p1~ lro:l
l,'teltla.ll'la.lll.d~:lJ ,vt;/br)c;etl by 1M Not., Thll Ua~;ag9 lICIQ,n. p.~nt 0' WIt:: ~1' _Q:~r'*"9 b
118INma,Wf11c1'\ 1I1"i fJUlI'IX>r.llld ,*-Inb)l ~~,
2. PrtorMortQlg;u and OlllilQ Q/Tn.at;CflAtVM; Uan.. BorroMr $'m~ pbrf:lrm alI1l190rrf;JlloOl"$
oNIQloan"lI1a~.nY~f;lO'I, dUllofl~orat'-f.~;iI"OQ~rnol'l 'oI!Ir; !lllen'lo'N~ hu priorll)l
o'>VrrhleMMIl".Otll~UCIInQ SoIfQ~('Il:'Ml~m lOEn PlIl'fTlClrb....tJ:lnilL... 8el'lVMrsNl\l ~)'(]f
ClILlJ8la be ~Ja: I" 1aJ:e~ IWQ'/llfC:IaFll1 oChet a rga/l, ftr'lU and Imp;l~rU 1Il~1bI. to I~
Pmpll1tylootilel'l mIYlillJj'!rt .prtarttvtr4rl.N&~GI'lglOl, BOO II.mho.:d pi''jnl!nI50l'grtlund 00;;, 1I,lIY.
~, ~LZ.II'l:llrul"I1I"t;,. Il SOl'Tl:l......r U1111 keep mu :mt=".rrlO"u; r~ 8I6Glrl1l or hlml.~r It'Ild&d DlI
IIlII Pf'JP.r1Ylf\ll,DaO'.~aln.toll:llbynre,h.aBtd.lrclwql!<l'MIhlnU1D Illrrn'~CO\o'IlIlllll", Ilrxl any
Olller hl.tIl"d" lrJ;;Iullll'lQ f\D0CU; or Rpcd, (ol ~ ~(n'lCl,tJnl t[l$.J1lnr.G.. Thld tnsnnc:e Ihel ~
mIIrUJMQInIhll~londf<<lneplilllfJda!I'lDl!..l1'l JOq\.llI'8I. TTlIilIn~CI L:ll'/VH"pm~1tJJ
i"~f1lrICII_Jl blI1:hl:IMn b~&~r~ lelA dIIr'1i .p~l..ntel\IIIl"ml bI: 1lll1'lJ;,1~~
...rJ,t.a It Bormwsrr.hlc rTlRl~fI CCMll'aOI cI .bD~, lot"llif.r n1j..' l.&IIIler'.s- apIIDI1, ob\lln
Q;l'ollll1lglll~ J;tOIa1111l1'dllr'5 f1!11tl 4T t/1lr PfOFIIn.~ In rdil'1:8 >Mlt pI''i'QI'Ilpll e..
b) AIIInWIUC8 pol~.. and ICnowll. Mall be '~J'Ubt. 10 l.o~~r.l'lI1 S!laU iJ1du"" I :bi'ldllt!
rr1Dl'lgagr ClIUlII!I. I.snd.. stlaU hQW If\tr ~gM trJ ~tt 1M \Xlk[O~ arod J\11'11Wo$1l. I' t.erdor rtl'Cl~InIJ,
SOl1t'W'llr "'all prot'II~y O""'ID L.t1cat alIlVOtt~ Q' "IQ pmmlUl'Ill anll nml'Wtl nc'a.." In lhl .vrnl
g' lo~ ellrrtlW~ Il'IlIil QM pn;lI1Itt lDIl'* to tIwllntunl~ enter.r.:! Lllnod,r. L8r'1CllN"mlI)" m.kt pcllol
DllD&Strocnllll'dllprompll'(I"BO~,
cl UnJ.lIl-endarancl Sorr~r0th8rwi8~gl1ll'ln writing, In_urn"e" proceeds
_nail b. IppliMIlo l..tIntlonorrt~lrof I r>rDptltVdamlglca.1fthl
r'Ol~nrtfol'l orllp,aJr I, IGOnDl'\1IC::lU'J'fU to and 'Lenaa...a NcUNrj Is not
Jttsanocf. If the l'Uw)l'ldon or reparr la no aeonomlca"y r....WI ar Landor' It
BtIcorlty woulcf bel8l1S8nod, the rn~ram::~ prue;&llda w,U be ltppllftd to tho
au",. ..c::ured bythia 9acurtty tnrdnmllm~Wh.thlrornot then dUB, wHhll.n)'
exC'I' paid to Borrow." It SOl1"OWtt aba dan.ltlt PIDportyordo.. not
InlWtrWlthln3Cl da~. notice rrom Lind r thatltt,lnlul"J.nca carrl.rlt..
o1flH"otf tD ..tII, .. cWrn, tho" L...nd.,. ma, Beet the 11'14U/'lInc. proc.tdL
L..ndllr mlY"'.M Ihaprw..aato r.palrnr atOMll the PtOP.lf'tyor tD pay R.lma
Il8cul'td ~y thl. Security lnltJllmen~ whe .r or 1101 thlln dUe. n" 3D-dI:~
period win begin whliall'llh. notlC::D .1 giY*r1.
d} El:l:OPtallpm~dod in aUbpllR\graDh 3(,,) ber.ow, 'hOU.ld plI!'tJa1 Dr complete
deatnlcdofl or dI~e DC;t;llt'ttl t1Ut Fftape I EIclrrDWllrtllll1lby a"mlll rhatany
and allllJlttumenLlliVldlncing lfW,lranaa Dcted, "'c:tIWld &y ~nd.r U II
I'UUlt or.lei' damao- 01' deetructlon, ahal 0. plll;ld In. non"-n..,...t bHrinll
.lCraw _col.ldtlNldl Linder. At Lend.,.. I~"* 1Ar'tC2trmIY 1'I1..1C1 Bama
or allot tfle proc;ellld. from tac.row aftlrr rro-el' PrMDnm Llndet w1t:Pl a
1'fiC:8 pl(sl, fnvotcl{I', wrlt!ltn a~drnaw""l t athardoclJmllntit) ac=aptablll to
lAnd.r vitlch reI,. to !tie fllalr IInd.IDr I rowments of thI PrtJparty
n&GOIIIJllf)' Ae I Rlf\At or ..ld dllt)qa ..nti r datnlction. Abuntan .Qgl'fl:ema"t
to the conlrary, Lendet 6hlllll1Ot bi raquI d tg pey Bol'T'OtWr .ny inbll1lat on
the J;lr-oceectl hald In It'll elCtI:I\Ii'~unL Any lmountt (1l,.,.lnln; In VI"
ICCOuntafbl,&11 rlr;:.Iin .ncl'orlmp~~~..I'1..... be'On mid. to thl Landor.
N1Ulhrc::Uonl 8hl(/ b. .ppl~d to ttJ. aum. r-i:::Urad by thr. Deed of TnrlJ1, [)otd
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p~" 1632 ilCi .72(;
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to SItCUr1I Debt, or MortgAge. eorr'OWll'fueraarlll!i' to c:oopftnlite with
Lendllr by eodorwlng 1l1f. Chclck.t, "raft. an o61.r1r1lrtnlmntt evIdencing
tnaurlne, pr0c6ed... and .nV Mce... d ~umentl. ShoulCl aal1'OWIlrfll1J ti:l
provIde oIIny ~ulrad andoraem...t.nd7ar .cllUon within tttlr:tY (30) glYD liner
Lender und.l)otrllfW1ir ROUe. thlt lend., h.. Ni:elvad an InltiUm.nt
.vldenclnllJnauraflctl PRll;:..d!'J. ardocurrtlnt(., requIring Bono....,..
.Jgn.tu~.Bol1J:lwartwireb~ IlllllCrf:aa L.~.r (g mtlor.. 1Ik1 tnarn..neqt
oI:nd/or<l'Cll;umonl.(ll on Bairowt" IN.ha:tf, t:CI.o.4::tlncf IS' .ald pf'OCeada
at !..ende". optfno. ItthI!Ir Ull'utmuton 0 IIpalraJ tho Pre ClrlD aurrm
"cuTlId byttil. COld of Trult. DlIlI ta SlI," Dt.1:I~ 0' Yo e. (tl. no-tlhe-
intent/un gf IIlth1r P' thllt 1111. elCraw vltlonl IlnettOI' L.i Ill'.
.ndor'ltmen( or exoc';%on of In Inltn.nll ~.).ndfQr do~umenl(.) on bel'ultr 01
Bon-u.".r ern.,. fldut,ary 01' alJlncy ret. onel1.lp blMlIIIOn LAnd.rllnd
BorT'b""I'.
III UnlO1l1 Lond.rand BorTO'worolherwl~gn, In Virlting:, IInyftp-gf!r;.Uon of
Pl1)ulldGto Princ:lpallhall not.Jll8nejO( lIitPorM t1l. dlle dJ_ ci(the monthly
p.\Ivment. nl1.~ ta lr1 pa,nrgraDha 1_n oreh.ng. tht arnountc'ltle
p.ymorltL Ifuntf.rpa~raph 11 the Pro rty,lt ac.I:Il.dred by LIlr'ldtrl
BarrO'Wt(I rlsht to anw Irt'LlI1lM<O polloJt enij pnx:.llda rUull1ng from
damlQIJ to thi propony prlorto thn ~1~~_an..haJl pa_ tg L.na.r to thll
.X1ent cr the Il.ImI IftClItod b~ thf. S.cUrlr 'n.bum8nt.
... P....rnlall.lftd ~."Il'-"fflc. or prl)Pfrtv: Ltulhold,j ClKJSgmtrdtm.; Plmnlld Unl!:
D~1lI0pm.n.u. Bofl"Ollollr.....koop1'- FtQpetlylllaood rapair.nd 1I\d!'lll tlQlTltTJll~ orpaormll
ImpllItmI!ll1 elf dd!ltiDo'lltlcll'! 01 tT'lI ~"'/t~ .l'I(IlNl~compJl'...../'I: It.a ~liOn:ll e.f M1l$1:x II' 111!$
Mb~a'oll 16 On . N$OIIQld. If INs ~Illill~ ~ 'T I unll. ... . cor.comWum gr. p!.nrJl)Cl tnIr
dewlupon.nl &Jl'lMDr'J'Ultl pert'blTn.m of Boml\lJlr~.MIII"'lMa WlOCl'l~ dflt.lI""U~ or c:l\8r'1lnla
owlJtJngllr"O\llt""tIG tMGo~m.rlllm C(plan~ 1J~'-~ICpITIQ,mc, ~11'JCl n.g1J1.tlOC'ljor~
~11~1'I'lI'Tlon or p...-nod llnll cl,...lopmel'l, 8!'1:l' con-,trIl da::ume1'l1
,
6. Pm1.ctIol'l oIlefld..,.. 8acutlty. It ~~l:5to plllfotm tte I;OlI&r"IIrte.ntI "~'mahl!l
con\llnad ll", 1Ml5 MtMlglg" Dr Itlilrry ,a!gn Ir lIdlngl.1OOOl1'l1fJ1tWd whkl'1lTl11.tDrSiIlVlltfDa!.:I
Lun:ler'll:tlEnlilln Itle PrDJ::erty,lh8tl LeOOlt,'I l.c I) o~ UPOI) OOllat b Bct'r:lW\lllW', m., ll"III.~B
2Jth C1WCGrfln:u, ai.:bll"....a :;i.II;l1l111m, Incl1.dlng ~lIIblo DtillJlay.... flBS,.m 1In ~~ Ild~n~ a.:;
rSn!lC:.!ll!ll.llrytol'llllaal...nllaf4il<WrDlll;, .
411)' <<moun'" dll'burAd by'lltn~er P\.Jl1l~t to thIs pal'1lgmpl'l 5j -with Il1tIJTBISt
thereon( lit the Notl ~bll ShIn bswome ad IUonallniMblidnltlls af Borrowar
&ut'uraa by thla- MOt1QIIIla. UnI... BoITQ rU'lff L6ndf,r Itg.... II:l ohrmrm. 01
PJlym.n~ lIlJeh tll"lCJllnt. &hall b. P!!Ipbl. pon notietfrom Linder to Borrowe,
requul/ng plyment Ihtreor, N'othln; ,an nod In thll Plnlgrnh 5 _hall
mqulrt L.endtr to InC:LJr.ny eq)4lftU or" . anv .cfiOlt herouncfc,.
.. Inllp'dol'T. L.&nd"r .'TlI)" In$ko or t:llI1M 10 bll mllF"Orllblll a~rlel upon.nd h;pa~1U I;If VlG
PlU~(W. P'Q'-'I(!-d ltll! LerQr ~I! OM BQff0W4r pr1pr tc 81')0 $JQ'l Wl8peQkln .,~
mUO/l.lltAeQllM1MRlfcrl' 1IJIiII"IlIQ l.InQ'r's ~ nl'-Plvr-'!Y,
r. CDl1d...,nlltl:l"- TIlw ~dl of .ry ....1tI11~ dllm 111r 'hllNlg(l~ dlnrt:: gr c:m~UOttltl. ~...
eMret'llr,"wll1laIlYCOfI(!vmnabO~ crClth.r IIICIl'Q tJI~ ~rl)'. OI't11l'llherl'l;I'/, lIl'!:)rttlnvtYllm:Jt~
Uftu of l:Onlltm1\lllOn, Ira 1'Nn~ 1I11'G"'~ and lhaKlhI plllll/) l.erdll'r a1b,i1= II) Ih. llfl"ll' oI.ny
mDr1g11go, dtCI10'tns~ orOU1t1 *ur1IW .pal'llttll.... I n.,wtJlctI hu plflt'llYfloverUllI 1/(1110-08,
"A.~o1G1l1I
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L~II;,t~",U5e~?I15a
SQo~16J2",[. 727
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~
a. 8Q1fVIIlt!frNotlWMltdi ~orbM1anEl.BVL.Mlll"J./.oI:.W'l.!v.r. The ~rllhllll~nl~lllII
101 fIAl pllJIMnl I)f the ~ and I....~:II &I1Aa Npte (Or any ~1'lC81Mn. or IlCII\;JIltlM) .,.tl1l8t'
tfI"CItly, rrD~'MIr9.11)' 01 (.... Ma..1nO: (t) TTlp.:Ill1o 0' IW ~(.. p.n M'tr. p-omi.u, (b) tt'lI
IYllmptlonD)'.tIOltIlrp'~~CfItm ea~$iQtJIQIUo."I"fB~f'Idfi, (c)lheI (artHfl~ llrGltIn,IOn0/
~me fW" F8)t1'1Of1\ lIr pt'II1mn8l1C1 Ql' 'Ill)' ol:f~n )I'\wIUn6llr, .thor prfllKllo BatIOMlr or "
.!Uba8qu.re 0Wl10fCI!MI ptlp'l\~ and (d) It)II ttJll"~l)II~ o~.lTf pllrtdlho fr'8mlll8.ac~r1ng:.i;ld
!lhHglUL'lM I)/'"lhllllllaau mlny Fill't)'wtJo UII.r1\II' r",./tOfU. alTlU. NOnll!)l:1'l! tar0001rw;l $/'011
In .~~ wsy i1~ IhI! MI bD:I .t'lIl1l~ of U. I' of 111. ManOIOll or 11ll~1r Ler:W"1 ~1Ir'l: \Q .
aoIIcI~)bl1grnanl~a1.l'llJ.VI.ll\1I1~jo,Olll!l._" Bo~rllf"nyPIIT'/IIIIUInl/'JQ'd1o~lIoI'll
....ntund...
Any "Htllllllllltll by t.ln::itt J\ emrclq Qny fight f: ~JlWldr helllundar or llL~ Illbn=l&d b~
i.opl.:abl. "". Mill ncrl be, 'lWll1tfQ[ Of ~1"_lI'!9Tmd.Q'MlrCU;h rlQt( Qf'tBrlWdy.
" &&c...,..,.. arns AMII;n. Gourd: ~oInc .nd ~rl.l Uaolllty; eo.'lgn-rt. aotro~r toYImI:nl~
1M IOf8lUl'wt ~'(Il:l101tlMsA.nCIIll!l.llilf~bcIJotrt.~ !IlI\llIl'll. Howr4r, -Ili ~r
~ c;;l'~r,II~S~Ul1r)'ln~lblA d;JUI'ICI LUlhi N=a CI ~ntt'): 01) II Cl).s1g00iIt1:J
secuntylnlillll1llJntQ'n1r\omo~QII.gr'n1.ndCCl. 1he~'iln.roJl'Il,.lII~!ifkl'hllP'rtlp'lt~~/!he
l~rrJl.I.l)/lf\lI.~ry Irah\lmart;(tt)Ie"""'~IVll .~al0 paYVlC' ~!MCUIlIa bylhl~kllm)'
Im:InIm.rrt: 1ll!\O' (t:) ~lf'II! I..CInd!:lr.roci "'yoll\e~ .nMr ~Jt I1ZIWO to II.""'. rrlO(Ijl'y, \tIrtlur of
mt.k. Iony I~clllio!'ll W:lh ml}lra \Q lha IOIl'l'\O 0 IN~ S&t..-rtty In:liln,,,1Vf11 Of 1M NctIt ...cr:~cull!'l~
Q)oal~fIllr"c:.cn54fll. r
-,.,
5ubpCll3ltM pmvllOb{D(JIS.~on1', UlySlCtflUl:l"il'l\mIl-"ItQt~r......o 'MlIJlfl' ElorrJ\llro.r"l
~JoIIOOMI l.I'dar thl:t SDClntIy In.r~.I'l' III 1ItC'ti'IO. 1I1'ld ".pplWlld b)t LIlMltl', 8ll1ll~ cDI,,,,, Rfl 0/
eo~r'1l tigl'lll and blin1tll~ ur;iJlIr Ir"~ B/lCU'lt:i IlIfllUment Boml'Ml1 :oh.U nel be releu.d frOm
a.,"'llW"t"l)bIg81lonllllnaIllt.blUlyulll:lCltlhls6~y~u~Ill.L.anoorll~;.to ~"I'llWlBll
In 'IIlftll."I!;l. 1lW ",~~.nd agl'lIImllfll51 af this B8w1t)' IN;Irvrr:a~ fthll~ bltld ifill bincrJIIImt.
S,I~Wl'5lt1GaUlg""orl..llndcr.
1D. IMi~.. !cept ror any rollca ItlquirW undllr ..~tIIe Itw10 be ~~Bn In .nothqr 1f11W"Cl', tal BJ1Y
rolleeloBDrnrwurp.~d fer'" llllaPvbft9ige Sl'lSI: gMmtlyd~\"'M1'IQU III ~y mallog S'.chfIQlJ:l1l
lly I'irllUlU l'llIi IIdl!l8~ III Boml... 0111'10 awrt O'~tr lilt lh8 Prupltny AGdRr... ~ 1&1 wch llC~r
~. .Ii Baml'Mll' l'I'IlIW Cia.'.. by f1ltb ID L.a r .. proYlC>>d fllllllln, 1l.nt1 ..ny otter par!lflO
plIrmnat~ Ilaolll on f/'ltll HokI._ rI'B_ plll'lllOll'l nemol.nd '~rnu' IPf*' In 1M t.I~t'll'It:Ofds III
It. Ill"!'.- of QM"I; /'G1aI " ~J ..,y ~ 10 ul'oclfr ahlr be ~"'n t.oJ lit, Oln nlllCe Lond::l'~s
lIOI:i&u 1i.11d htnt[tl fir III lIlJGh ctlMtr IdlSrnt .~ tndol' mJy CIIIlQl"lII, t1~ ~~o ~ ~rro....r as.
pra~dlld' I\etaln. Anw (Jl)b ptevldlld flY 1O Uj. Mc1tDllJll IlhKII bt de&me~ \0 l\iw bl:'l>II glYOII ;,\
Bo~1 Dr Ul~d6r ~I'l gI~n In I~o fl111.,..'!rce~laheroJl'I.
11, Qov.l'l1nl) Law; 31....rllblllty.. Tl'\a. azallgjnd IIIW! !I~tll. ~ 'Ili. \IoII;"Q8 ah.u bllr'lII
'1W5 of \hllI Nrbdldli;ln In ~ VIe PIllJ*l:r 1110 <I."'" 1elraoc1nO 1181't..ncI' ftli Ml \lnI( l."lll
.pllft:alllll)'ofF.dI..II.....lotnl!MJ,rt"., In\hl InlllO"p-o \/IllonordIUllllollN$Wc;w1l>Oafll'
lhe N::f, CDnIlIc:Ia~ IppllOlb!l!./IIllI.luenCOI1lUctS 'rol,"'" auw PftI'lOfIlorl.ottl!llllol1oag~ 0'
I~ N(ltllllltlleh ClIn be VMn -'*= wlI'lOl4lPlI! ptO\IbklR. .nc: ~ lh!s a/'Io:I IN! ~""JlOna; at Q\l$
MD!'Clao. .tld Itva Ntltl 1M a.t1.&~d 10 "M~e. A.a lite(! hralll "cc:u", "ltIllJeI1"" In;l'
.,ITOlf'l:lya'II:I.M'lne/adl II Sll~II:IUIt. .11l1.1l1'llMl pmrlJd lJy~lcI.beir \Ir""t:lrlh1l.&tlf'lel1ll~,
PAl,lort".""
:nGI!1:S"lO'I1IC(~"'~7....,.,
!'.ll'I~
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BOll/1632",~ .728
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12. &r~r'. cap~. ao~W;1, mllll tI:r fum'sllOl1 a CD~ITi9U CPt of t1WI N~t.B, thl, MM;'~ ,rrll
F\laaf'!.!.) "11111 Uftill o/Bmollllcn or afterlllCQrtlll1bn h'')'Of.
1:1. fbtalblfjqtliJR Ul'n A;1'a.Il1rrit. e~ lIl'M1 t"J'I1n '11ll1' BcmlWlll'" I)tJQIiJIllO"' lIma,.rt'Io homo
~h.lliilhl(lllrl. Im~rn. ~p&Jr 01 clhar IOlln .g~ v.fliell BoRQMr (Irie~ ~l) "wIh !.Mm.t.
lllndl!:r.1I Lllflller'SOplbn,m:ayroqulnl &rro..erl0. CIM'ndtllll.r~ lanO.~.ln. ft3tm ac:ce,ublr.
to LalrJ;1rr, IfllDvnrtWnt uf Ilny tbhlA. drlms IX" nal' 'MW;f, UG~ Il1,y h~ .lIQ:lfnll; ~rr..ell
wbo !LlllP!ylabOl'. matolfaltillr:llrvfclIIl.h tcInl'lllalDn h lr1'IPW\lrfU!I"'ot,,,...d.IO the I"rgpeny.
14 n.an.,.r of till Pl'\)flWly 0.(. BrI'lllldlll lrI..~1t 'n BMtoWllr, AallllYlr;nlon. A.o 1I~ III Ull:!.
fi'dl:lO 1(, "Irrt6ftI.$tlrrIMPIOPllII"I)'" mflllfl:l'r\fIlOlll bMa_IInuI'M h'hJPIOPIl:rry.j~udlog.hl1
M11k'nllld I~. t~_ benat'eJi,lItl!IIl'llRol1trnftrr-d In./I tl!rod t.rdllOd, Q:lrtJ1lct for lClItrd, IMlIh'tftt
~101CQ/lltldOr.acl'll'>ol''''IIemClt,.IIKll/'.IlII1lIJl'~cIll~ U.ll1In"&(oflltl. b)&~rll' M\.va <lG5
IC/lPU~~r.
r, IlII Dr 6Ill'PIirto'tI\il PrDpel'lycrllll)'r~IlI'll.::llntl& P'f.'Part)'llIsdd orll'1nnfl'Od (otlr &l~rr$1IC1
II Flatu..., P'lI~n .nd~ ban&1'daJIn.....In BcI~rj,J.atd Ol'trlnJtwra:l) Vltlhoul Lkndlll"'fpr11;lr lIrt1l1w1
l>>1\llllnl, LelMa,,.y /1IqtdlD JrIImDdla!.t "~0I"II1Il frJi llrlll! o1U"Il5,MCUI'I'l(I bylhls Sa~.lIlty Inm.rmort,
"lCWW'ttr,lhIID/XunaMI nOl lit ~rcI~bYl..wodarltpi.dlllMW!lI j,prllhlbilEN:lllJfa",1nI lRw.
/I L'M~r C';l;RfdUa Ihls option, lAmfer tiIaIl d~~"""( rctke 0' -l:CIlerallcu'l, n. ~t1 "'an
proVIde. ptlllld or 001 IUlthan 3l:l dJYJhm ttla~ ~a nOIIGeI::gll'll~ln atCOn:llra 'ooiIh ScIalon,o
wltlJjn """*11 Bomr""", /l'1US1 DI'~ jJllIl.I1TIli a!lClIrad by II Sl>Olfltty l~, Ir BoDOwllr Qllla III Jl.I~
lhu& lfu,'l!S ptfo~ i:J lIlo txJl'IIl):lI1 of Oil ~ r... &,- fNy hvO'" oIJlY l'I"maIlJ" ty mil S/ltllr!ty
ll)SlrlHMnl YMhD.'l f'lj1h...notk:. or&l""lrldcn 50 ,
No~..uNrI:'ORMCOVENANT!I. ~rlnd LI~"II1hilf'eovOl'lllmllna .01'81.. tolirl'l'll!.:
13. 0""'11; Actlill'llioft; "cnadl.., Up;ln &~IWr'1 tna~ or IllY mwnln! or "Orlllmlll1t ef
Bar'tlWIH In t'tltlnllrt MOI1g'DI, Including IIw eo~ rJtllll p8r Ilot1In due lI"r ~ml ~ tIM NIlI,
.c~d by Ihls t.Aortg.ge, l.etk1a" at l..-ndol'"o gp~o , 1l'IllW' 0e"i111l1dl or It. IlIlTIIlteuw try Ihla
MllrlQll'-lIll'bllm.rn,a!M.lrdullllnclpl)'llbic:lwlthDllljflrnaOOo,nOlltw.llOtlcaOftllalDl!nlJalDf8UCh
oplbn bltfna nerJibl' 'I[Prt~ 1"'lI1\o9Cl. ~/1dllrmIVI~p, rn.pow&rllf.lll. hilnllllJ gJi"*,, I.brldar
!!Il111 hllYllll1e rfObt It errl.r tlptllJ ana lat, l;UlDl'SII~ of Ihlt pl!Iplr1~ IltrWby c::lll"t)9d 1h:llll'ler or
wllhill/t la~ IIUtltl PDua'-lIP III'IIll 1'IlI-. !be I1gt'1l.I _II tn& am" c id3lIO lIIudlgn !..tr ellUl, Inlf
IIfli grwng 1'tll\2 0' 1/1. Ilmv, JlIIor coo Ietm. 0' ct! al. by pUblr.llorl Orq . 'WtI.~ ~, 11Irn
cPnlftlJt/..... 'Ml9kl pt1orlo ala ~~, In .I;Om~...""'P'l pub>>#lIIc:l tl..ldtl:lU1ly,aM UP,"l'l PiI)'YIml
OrUI.~.. tnCInlIr, \111 IArolktl, QfOYlTl&l'llflhD' lI"ldMon,lgJ. llfll.lC'U;l'Il!lIf, Uialtllo;GWlI tll
!he PlII:ll1UElI' bf ll:nd In Ihll II.mlR gf Ih ~"''illll, OOod 1M .euM~ll1IlSal(l to U. l)CtIpllI1, se,jd;
U. l4l1Wl.r Sh.1f Ippl)' till pro.::a8~ IIf aid ~llJ: l'1I., fl1 th:I Gp'nlt ct ..d....n'lIno. IISJIIn~ ana
cglW'lt;1"'t.aId~pert1,lnclud"g. ~'WAlD" 1110 tJ 1'111; I!lc:or;d, rOlbe f:.rmtl1l:OlanyllfngUIlU
11'1I1 ma)' haw teiTl u'plInd&4 0'11111 mIrY IMIl III _IY III 81C/l11113 In ~i111f b'''-Hlllr'lCll llD81i
il'1ld Olb., ltI'lc.IrnbIJI,.....t., -.llh IBt"ll lhemn; I . 14 Ill, PII)mant In M of tl'lD ~ne/p.1
ItIdobhlCl'WI&ll MCllfllenl" IhIltllDn. wh'~r IIv 1IIn'18 ~I gr 1hI~ nol hit. twly matUrll= .1 ttl! dll.
or"'ldllllD,bilrolli'ntll !lhJII~l:g!llao::al1be)VCl(jtnlClll''''Df''ll1salrt;lll'lllftlJtm.U'6-tl'i'llCtlll
.lln)',ahll!bep;ldo~rtll t.ha.lill~ 3orrow.n;DrIO:'fm.~rCl1'" IDPlllII'Il af,.totdlIl be1.IlltCl~r
oj ::;Id prDpwty. ThlLBntllr ml)' ~Id 1Int1 blI:Dmg, PY,dull;8r 0( thO nlcr1~gIId ~pe,,)' .f an)"
/OI~Cllli.qllll!lheraund.r, ,
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L.ow:~~Il\",.I,)f OOO~I611
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15. ~rrow.,"lGght to Ft.IInll1Mll. NtIt'lOrlihlf.lln'l"T.L.rdl;W'l!Il~I,I1,Il~11 filth, Surn~ CI!lCl.I...d tly
Ihlt. Jobrt~ge. BottooW' Ihall haW! b IIQm w hhv ptI~o4lngl toQun b1 c.Bnd5r III .nmCll \1116
IIIof\PllD 4~nt1Mll:l It. (~BtlITll'I\oVr f>>)'I t..nOe.." II.t1tt \IIIhI.ch VfOulcl. bl U.n dllrl l3I&1r 11#
Mc.l\ljjIgll, IN. NW Ind N:lt.. 68Q1(lnq tlm.... AlI~~, It .~)'. had no ..~IO'f'IItICln oecuneO: (tl)
BIHl....",J6f ~ru all Im1d'I,B gl ..ny 111h&r Cl:I',Illr.niGOf sQJ'I;.tnllnls e/ Bct'lM'llf COnralnllO In Ws
Mtll\pljjll; (01 BomwrDr PIl)1 a~ r"'~N1b1. lIIlpBn'U ~t1lJ11 Lendrar Ind Tfl,Iro1el In 'nf::rt.lng Ullt
CCl....nAnl. .nd 1!1ftI.m,1IlJ of 80rNWllr cootall'lOd I \~18 MonlJllg., .n.:l n I!IInJ"n;;l~ \..olllil'(~ ~f'ICI
TNJIsa" n.JlIod.. II pnwlcied In Plit'llll'lph 17 of, In:ludln~, tluI ru limA_do t", mlQlWiblo
1t11)1")8}1'" ru~ ,nd (0) ~r tlIr.oll SIC" Ic!lon, '~I."nG8r m.y m.lllDMbly 11I~\IlJo ~ g~1'I! lhill
lhe Jlanotltll, MMgDQV. Ulrtlll"alnlsru' ~ h PrtI n~.nd B~f",WIi~.obn\illlonlO pII)' lhl IIII~
r,oc;ured b1UlllI.b:tgIglt ahilllOonllnui IJnkf;.!ted. 'poI'l1il.Klh paymol\l1lJ;! torn lrwl1amwe.r, Ih/1l
I<t\')nlJlOll and trI8 ~1V&Ugn!. 1IIwr-d hlI1lbf FJ1GI I1II'f'1U'1 ll"I (ull /l)tc:e lmd a1faa. ..,If ~ At:eul.,rllllon
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. HOMEQ SERVICING
DF785
JOAN!\! WARD
707 WEST PINE ST
MOUNT HOLLY SPRINGS, PA 17065
May 17, 2005
0005471158
NBRC
ACT 91 NOTICE
TAKE ACTION TO SAVE YOUR
HOME FROM FORECLOSURE
This is an official notice that the mortl2:al!e on Your home is in default. and the lender intends to foreclose.
Snecific information about the nature of the default is provided in the attached na12CS.
The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able
to help to save your home. This notice explains how the program works.
To see if HEMAP can help vou. vou must MEET WITH A CONSUMER CREDIT COUNSELING
AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with vou when vou
meet with the counselinl! agency.
The name. address. and phone number of Consumer Credit Counselinl! A12cncies serving Your county arc
listed at the end Gfthis Notice. If YOU have any questions. YOU may call the Pennsylvania Housing Finance
Agencv toll free at 1-800-342-2397 (Persons with impaired hearing can call 717-780-1869).
This Notice contains important legal information. If you have any questions, representatives at the
Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an
attorney in your area. The local bar association may be able to help you find a lawyer.
LA NOTlFICAION EN ADJUNTO ES DE SUMA IMPORT ANCIA, PUES AFECTA SU DERECHO A
CONTINUAR VIVIENDO EN SU CASA. SIl'O COMPRENDE EL CONTENlDO DE EST A
NOTlFICION OBTENGA UNA TRADUCCION IMMEDIATAMENTE LLAMANDO ESTA AGENClA
(PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO
ARRIBA. PUEDES SER ELEGIBLE PARA UN PREST AMO POR EL PROGRA.MA LLAMADO
"HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE
SAL V AR SU CASA DE LA PERDlDA DEL DERECHO A REDIMIR SU HIPOTECA.
HomEq Servicing Corporation is a debt collector. HomEq is attempting to collect a debt
and any information obtained will be used for that purpose.
SEE LAST PAGE FOR ADDITIONAL IMPORT ANT DISCLOSURES
THIS NOTICE CONTINUES ON THE NEXT PAGE
!II WACHOVIA
Bctuhz;t ~I
HOMEOW:-IERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAYBE ELIGIBLE FOR FINA:-ICIAL ASSIST MiCE WHICH CAN SA VE YOUR HOME
FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS.
IF YOU COMPLY WITH THE PROVISIO:-l OF THE HOMEOWNER'S EMERGENCY
MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT") YOU MAY BE ELIGIBLE FOR
EMERGENCY MORTGAGE ASSISTANCE:
. YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR
CONTROL,
. YOU HAVE A REASO:-lABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE
PA YMENTS, AND
. YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY TilE
PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE
Under the Act, you arc entitled to a temporary stay of the foreclosure on your mortgage for thirty (30) days
from the date of this notice. During that time you must arrange for and attend a "face-la-face" meeting with
one of the consumer counseling agencies listed at the end of this notice. THIS MEETING MVST
OCCUR WITHI:-I THE NEXT THIRTY (30) DAYS. IF YOU DO NOT APPLY FOR
EMERGENCY MORTGAGE ASSISTA:-ICE. YOU MUST BRING YOUR MORTGAGE UP TO
DATE. THE PART OF TillS :-IOTICE CALLED "HOW TO CURE YOUR MORTGAGE
DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE.
CONSUMER CREDIT COU:-ISELlNG AGENCIES
If you attend a face-ta-face meeting with one of the consumer credit counseling agencies listed at the end of
this notice, the lender may NOT take further action against you for thirty (30) days after the date of this
meeting. The names, addresses and telephone numbers of desilmated consumer counsclinf! agencies for the
county in which vour Dronert\' is located are set forth at the end of this notice. It is necessary to schedule
only one face~to-face meeting. You should advise this lender/servicer immediatelv of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE
Your mortgage is in deCault for the reasons set forth later in this notice (see the following pages for specific
information about the nature of your default). If you have tried and are unable to resolve this problem with
the Icndcrlservicer, you have the right to apply for financial assistance from the Homeowner's Emergency
Mortgage Assistance Fund. To do so, you must fill out, sign and file a completed Homeowner's
Emergency Assistance Program Application with one of the designated consumer credit counseling
agencies listed at the end of this notice. Only consumer credit counseling agencies have applications for
the program and they will assist you in submitting a completed application to the Pennsylvania Housing
Finance Agency. Your application MUST be filed or postmarked \\'ithin thirty (30) days of your facc-to-
face meeting.
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU
DO :-lOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN TillS LETTER.
FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR
APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DE:\'IED.
AGENCY ACTION
Available funds for emergency mortgage assistance are very limited. Funds will be disbursed by the
Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency
has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure
proceedings will be pursued against you if you have met the time requirements set forth above. You will
be notified directly by the Agency of its decision on your application.
THIS NOTICE CONTINUES ON THE NEXT PAGE
Pa2:e 3
NOTE: IF YOU ARE CURRENTL Y PROTECTED BY THE FILING OF A
PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS
FOR INFOR.l\1ATIONAL PURPOSES ONLY AND SHOULD NOT BE
CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT.
If you have filed bankruptcy you can still apply for Emergency Mortgage
Assistance.
:"IATURE OF THE DEFAULT
The MORTGAGE debt secured by your property located at:
707 WEST PINE ST MOUNT HOLLY SPRINGS. PA ] 7065
IS SERIOUSLY IN DEFAULT because:
I. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the
following amounts arc now past due:
a) Number of Payments Delinquent:
b) Delinquent Amount Due:
c) Late Charges:
d) Recoverable Corporate Advances:
e) Other Charges and Advances:
t) Less funds in Suspense:
g) Total amount required as of (due date):
3
$3,652.35
597.40
$8.80
515
$0.00
$3,773.55
2. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION: (Do not use ifnot applicable)
HOW TO CURE THE DEFAULT - You may cure this default within THIRTY (30) days from the date
of this letter BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDERlSERVICER,
WHICH IS $3,773.55 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES (and other
charges) WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Parmen!s mus! be
made either bv cashier's check. certified check. or money order made naYable to:
Regular Mail
HomEq Servicing Corporation
P. O. Box 70829 Charlotte, NC 28272 - 0829
Overnight
Ann: Cash Central NC 4726
I 100 Corporate Center Drive
Raleigh. NC 27607-5066
You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of
this notice: (Do not use if not applicable)
THIS NOTICE CONTINUES ON THE NEXT PAGE
Page 4
IF YOU DO NOT CURE THE DEFAULT
If you do not cure the default within THIRTY (30) days of this notice, the lenderlserviccr intends to
exercise its riehts to accelerate the mortgage debt. This means that the entire outstanding balance of this
debt will be considered due immediately and you may lose the opportunity to pay the mortgage in monthly
installments. If full payment of the total amount past due is not made wIthin THIRTY (30) DAYS OF THE
DATE OF THIS LETTER, HomEq Servicing Corporation also intends to instruct its attorneys to start a
legal action to foreclose UDon vour morte:al!ed orooertv.
IF THE MORTGAGE IS FORECLOSED UPON
The mortgaged property will be sold by the Sheriff to payoff the mortgage debt. If the lenderlserviccr
refers your case to its attorneys, but you cure the delinquency before the attorney begins legal proceedings
against you, you will still be required to pay the reasonable attorneys' fees actually incurred up to S50.00.
However, if legal proceedings are started against you, you will have to pay all reasonable attorneys' fees
actually incurred even if they are over $50.00. Any attorneys' fees will be added to the amount )/ou owe
the lenderlscrvicer, which may also include other reasonable costs. If vou cure the default within the
THIRTY (0) DA Y oeriod. vou will not be reouired to oav attornevs' fees.
OTHER LENDERlSERVICER REMEDIES
The lenderlservicer may also sue you personally for the unpaid principal balance and all other sums due
under the Mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE
If you have not cured the default \vithin the THIRTY (30) day period and foreclosure proceedings have
begun, YOU still have the ri(!ht to cure the default and prevent the sale at any time UP to onc hour before the
Sheriffs Sale. You mav do so bv navin!! the total amount then past due plus any late charees. other
charees then due. reasonable attorneys' fees and costs connected with the foreclosure sale and any other
costs connected with the Sheriffs Sale as soecified in writine by the lenderlservicer and by Dcrformine any
other requirements under the mortgage. Curing your default in the manner set forth in this Notice will
restore your mortgage to the same position as if you had never defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE
It is estimated that the earliest date that such Sheriffs sale could be held would be approximately five (5)
months from the date of this notice. A notice of the actual date of the Sheriffs Sale will be sent to you
before the sale. Thc amount needed to cure the default v."ill increase the longcr you wait. You may find out
at any time exactly what the required payment or action \vill be by contacting the lenderlservicer.
HOW TO CONTACT THE LENDER/SERVICER BY TELEPHONE OR MAIL:
Name of LenderlServicer
Address
HomEq Servicing Corporation
Attn: Account Research, Mail Code CA3345
P.O. Box 13716
Sacramento, CA 95853
1-866-577-8834
Telephone Number:
EFFECT OF SHERIFF'S SALE
You should realize that a Sheriff s sale will end your ownership of the mortgaged property and your right
to occupy it. If you continue to live in the property after the Sheriffs sale, a lawsuit to remove you and
your furnishings and other belongings could be started by the lenderlservicer at any time.
ASSUMPTION OF MORTGAGE
You may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt.
THIS NOTICE CONTINUES ON THE NEXT PAGE
Page 5
YOU MAY ALSO HA VE TilE RIGHT
. TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR
BORROW MONEY FROM ANOTHER LE]\;DING INSTITUTION TO PA Y OFF THIS DEBT;
. TO HA VE THIS DEFAULT CURED BY ANY THIRD PARTY ACTIO:G ON YOUR BEHALF;
. TO HAVE TilE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD
OCCURRED, IF YOU CURE THE DEFAULT. HOWEVER, YOU DO NOT HAVE THE RIGHT
TO CURE YOUR DEFAULTS ANY MORE THAN THREE TIMES IN A CALENDAR YEAR;
. TO ASSERT THE NON-EXISTENCE 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 ACTIO]\; BY
THE LE]\;DER/SERVICER; OR
. TO SEEK PROTECTIO]\; UNDER THE FEDERAL BANKRUPTCY LA W.
THE CONSm1ER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY ARE
ATTACHED TO THIS LETTER
If you received a discharge of the account through the Bankruptcy Court and if your account has not been
reaffirmed, the acceleration and sale will not result in your being held personally liable for the debt and this
letter is not an attempt to collect a personal debt. However, failure to pay the delinquent balance is
necessary to avoid foreclosure.
You are notified that this default, and any other legal action that may occur as a result thereof, may be
reported by HomEq to one or more credit reporting agencies.
Please take appropriate action with respect to the important matters discussed herein.
Sincerely,
HomEq Servicing Corporation
THIS NOTICE CONTINUES ON THE NEXT PAGE
Page 6
IMPORTANT DISCLOSURES
California
As required by law, you are hereby notified that a negative credit report reflecting on your credit
record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit
obligations.
Colorado
For information about the Colorado Fair Debt Collection Practices Act, see
www.al!o.state.co.lls/CAB.HTM (n-cb site maintained by the State of Colorado)
. HOMEQ SERVICING
DF785
JOANN WARD
707 WEST PI"IE STREET
MT HOLLY SPRI"IGS, PA 17065-1119
May 17,2005
0005471158
NBRC
ACT 91 NOTICE
TAKE ACTION TO SAVE YOUR
HOME FROM FORECLOSURE
This is an official notice that the morteal!C on vour home is in default. and the lender intends to foreclose.
Specific information about the nature of the default is nrovided in the attached Dages.
The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able
to help to save your home. This notice explains how the program works.
To see if HEMAP can help YOU. YOU must MEET WITH A CONSUMER CREDIT COUNSELING
AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with YOU when YOU
meet with the counselin!2. agency.
The name. address. and phone number of Consumer Credit Counsclinl! Agencies servin!! Your county are
listed at the end of this Notice. If YOU have any Questions. YOU may call the Pennsvlvania Housing: Finance
Agency toll free at 1-800-342-2397 (Persons with impaired hearing can call 717-780-1869).
This Notice contains important legal information. If you have any questions, representatives at the
Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an
attorney in your area. The local bar association may be able to help you tind a lawyer.
LA NOTIFICAION EN ADJUNTO ES DE SUMA IMPORT ANCIA, PUES AFECT A SU DERECHO A
CONTINUAR VIVIEN DO EN SU CASA. SI NO COMPRENDE EL CONTENlDO DE EST A
NOTlFICION OBTENGA UNA TRADUCCION IMMEDlATAMENTE LLAJvlANDO ESTA AGENCIA
(PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO
ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAJvlADO
"HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE
SAL V AR SU CASA DE LA PERDlDA DEL DERECHO A REDIMIR SU HIPOTECA.
HomEq Servicing Corporation is a debt collector. HomEq is attempting to collect a debt
and any information obtained wiII be used for that purpose.
SEE LAST PAGE FOR ADDITIONAL IMPORTANT DISCLOSURES
THIS NOTICE CONTINUES ON THE NEXT PAGE
. WACHOVIA
HOMEOW:>IERS' EMERGENCY MORTGAGE ASSISTANCE PROGRA\I
YOU '\1 A Y BE ELIGIBLE FOR FINANCIAL ASSIST ANCE WHICH CAN SAVE YOUR HOME
FROM FORECLOSURE A:>ID HELP YOU MAKE FUTURE MORTGAGE PAYMENTS.
IF YOU COMPL Y WITH THE PROVISION OF TIlE HOMEOW:>IER'S EMERGENCY
MORTGAGE ASSISTANCE ACT OF 1983 (TilE "ACT") YOU MA Y BE ELIGIBLE FOR
EMERGENCY MORTGAGE ASSISTANCE:
. YOUR DEFAULT liAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR
CONTROL,
. YOU IIA VE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE
PAYMENTS, AND
. YOU MEET OTHER ELIGIBILITY REQUIREME:>ITS ESTABLISHED BY TilE
PENNSYL V A:>IIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE
Under the Act, you arc entitled to a temporary stay of the foreclosure on your mortgage for thirty (30) days
from the date of this notice. During that time you must arrange for and attend a "face-ta-face" meeting with
one of the consumer counseling agencies listed at the end of this notice. THIS 1\lEETI~G MUST
OCCUR WITHIN THE NEXT THIRTY (30) DAYS. IF YOU DO NOT APPLY FOR
EMERGENCY MORTGAGE ASSISTANCE. YOU MUST BRING YOUR MORTGAGE UP TO
DATE. TilE PART OF THIS :>IOTICE CALLED "1I0W TO CURE YOUR '\IORTGAGE
DEFAULT" EXPLAINS HOW TO BRI:>IG YOUR MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELl"\G AGENCIES
If you attend a face-ta-face meeting with onc cfthc consumer credit counseling agencies listed at the end of
this notice, the lender may NOT take further action against you for thirty (30) days after the date of this
meeting. The names. addresses and telcnhone numbers of desil.wated consumer counsclinl! agencies for the
county in which your property is located are set forth at the end of this notice, It is necessary to schedule
only one face-to-face meeting. You should advise this lenderlservicer immediatelv afyouc intentions.
APPLlCA TION FOR MORTGAGE ASSIST A'iCE
Your mortgage is in default for the reasons set forth later in this notice (see the following pages for specific
information about the nature of your default). If you have tried and are unable to resolve this problem with
the lenderlserviccr, you have the right to apply for financial assistance from the Homeowner's Emergency
Mortgage Assistance Fund. To do so, you must fill out, sign and file a completed Homeowner's
Emergency Assistance Program Application with one of the designated consumer credit counseling
agencies listed at the end of this notice. Only consumer credit counseling agencies have applications for
the program and they will assist you in submitting a completed application to the Pennsylvania Housing
Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-
face meeting.
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU
DO "lOT FOLLOW TilE OTIIER TIME PERIODS SET FORTII IN THIS LETTER.
FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR
APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED.
AGENCY ACTION
A vail able funds for emergency mortgage assistance arc very limited. Funds will be disbursed by the
Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency
has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure
proceedings will be pursued against you if you have met the time requirements set forth above. You will
be notified directly by the Agency of its decision on your application.
THIS NOTICE CONTINUES ON THE NEXT PAGE
Page 3
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A
PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS
FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE
CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT.
If you have filed bankruptcy you can still apply for Emergency Mortgage
Assistance.
NATURE OF TilE DEFAULT
The MORTGAGE debt secured by your property located at:
707 WEST PINE ST MOUNT HOLLY SPRINGS, PA ] 7065
IS SERIOUSLY IN DEFAULT because:
]. YOU HA VE NOT MADE MONTHL Y MORTGAGE PAYMENTS for the following months and the
following amounts are now past due:
a) Number of Payments Delinquent
b) Delinquent Amount Due:
c) Late Charges:
d) Recoverable Corporate Advances:
e) Other Charges and Advances:
f) Less funds in Suspense:
g) Total amount required as of (due date):
3
$3,652.35
S97.40
S8.80
$]5
SOOO
$3,773.55
2. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION: (Do not use ifnot applicable)
HOW TO CURE THE DEFAULT - You may cure this default within THIRTY (30) days from the date
of this letter BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDERlSERVICER,
WHICH IS $3.773.55 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES (and other
charges) WHICH BECOME DUE DURING THE THIRTY (30) DAY PERJOD. Pavments must be
made either bv cashier's check. certified check. or mone" order made navable to:
Regular Mail
HomEq Servicing Corporation
P. O. Box 70829 Charlotte, NC 28272 - 0829
Overnight
Alln: Cash Central NC 4726
] 100 Corporate Center Drive
Raleigh, NC 27607-5066
You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of
this notice: (Do not use if not applicable)
THIS NOTICE CONTINUES ON THE NEXT PAGE
Page 4
IFYOU DO NOT CURE THE DEFAULT
If you do not cure the default v,'ithin THIRTY (30) days of this notice, the lendcrlservicer intends to
exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this
debt will be considered due immediately and you may lose the opportunity to pay the mortgage in monthly
installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS OF THE
DA TE OF THIS LETTER, HomEq Servicing Corporation also intends to instruct its attorneys to start a
legal action to foreclose UDon your morteae-ed DrODerty.
IF THE MORTGAGE IS FORECLOSED UPON
The mortgaged property will be sold by the Sheriff to payoff the mortgage debt. If the Icnder/scrvicer
refers your case to its attorneys, but you cure the delinquency before the attorney begins legal proceedings
against you, you will still be required to pay the reasonable attorneys' fees actually incurred up to $50.00.
However, if legal proceedings arc started against you, you will have to pay all reasonable attorneys' fees
actually incurred even if they are over S50.00. Any attorneys' fees will be added to the amount you owe
the lender/servicer, which may also include other reasonable costs. If YOU cure the default within the
THIRTY (30) DA Y period. YOU will not be reouired to nay attorneys' fees.
OTHER LENDERlSERVICER REMEDIES
The lender/serviccr may also sue you personally for the unpaid principal balance and all other sums due
under the Mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE
If you have not cured the default within the THIRTY (30) day period and foreclosure proceedings have
begun, vou still have the rie-ht to cure the default and prevent the sale at any time UP to one hour before the
Sheriffs Sale. You may do so by oayine the total amount then nast due Dlus any late charges. other
charees then due. reasonable attorneys' fees and costs connected \vith the foreclosure sale and any other
costs connected with the Sheriffs Sale as specified in \Vfitine bv the lenderlscrvicer and by performine anv
other requirements under the mortf!agc. Curing your default in the manner set forth in this Notice will
restore your mortgage to the same position as if you had never defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE
It is estimated that the earliest date that such Sheriffs sale could be held would be approximately five (5)
months from the date of this notice. A notice of the actual date of the Sheriffs Sale will be sent to you
before the sale. The amount needed to cure the default \\'ill increase the longer you wait. You may find out
at any time exactly what the required payment or action will be by contacting the lenderlscrvicer.
HOW TO CO:>lT ACT THE LEl'(DERlSERVICER BY TELEPHONE OR MAIL:
Name of LenderlServicer
Address
HomEq Servicing Corporation
Attn: Account Research, Mail Code CA3345
P.O. Box 13716
Sacramento, CA 95853
1-866-577-8834
Telephone Number:
EFFECT OF SHERIFF'S SALE
You should realize that a Sheriffs sale will end your ownership of the mortgaged property and your right
to occupy it. If you continue to live in the property after the Sheriff's sale, a lawsuit to remoye you and
your furnishings and other belongings could be started by the lenderlseryicer at any time.
ASSUMPTION OF MORTGAGE
You may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt.
THIS NOTICE CONTINUES ON THE NEXT PAGE
Page 5
YOU MAY ALSO HA VE THE RIGHT
. TO SELL THE PROPERTY TO OBTAIN MONEY TO PAYOFF THE MORTGAGE DEBT, OR
BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PA Y OFF THIS DEBT;
. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOCR 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 THE RIGHT
TO CURE YOUR DEF AUL TS ANY MORE THAN THREE TIMES eN A CALENDAR YEAR;
. TO A"SERT THE NON-EXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING
OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS;
. TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MA Y HAVE TO SUCH ACTION BY
THE LENDERJSERVICER; OR
. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
THE CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY ARE
ATTACHED TO THIS LETTER
If you received a discharge of the account through the Bankruptcy Court and if your account has not been
reaffirmed, the acceleration and sale will nol result in your being held personally liable for the debt and this
Jetter is not an attempt to collect a personal debt. However, failure to pay the delinquent balance is
necessary to avoid foreclosure.
You are notified that this default, and any other legal action that may occur as a result thereof, may be
reported by HomEq to one or more credit reporting agencies.
Please take appropriate action Vt'ith respect to the important matters discussed herein.
Sincerely,
HomEq Servicing Corporation
THIS NOTICE CONTINUES ON THE NEXT PAGE
Page 6
IMPORTANT DISCLOSURES
California
As required by law, you are hereby notified that a negative credit report reflecting on your credit
record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit
obligations.
Colorado
For information about the Colorado Fair Debt Collection Practices Act, see
www.ago.statc.co.us/CAB.HTM [web site maintained by the State of Colorado)
,HOMEQ SERVICING
DF785
TO:\'Y L KELLER SR
707 WEST PI"iE ST
MOUNT HOLLY SPRINGS, PA 17065
May 17, 2005
0005471158
NBRC
ACT 91 NOTICE
TAKE ACTION TO SAVE YOUR
HOME FROM FORECLOSURE
This is an official notice that the mortl!ae:e on your home is in default. and the lender intends to foreclose.
Soecific information about the nature of the default is orovided in the attached vaees.
The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able
to help to save your home. This notice explains how the program works.
To see if HEMAP can helD YOU, you must MEET WITH A CONSUMER CREDIT COUNSELING
AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you whcn you
meet with the counseling alleney.
The name, address. and phone number of Consumer Credit CounsclinQ: AQcncies servin!! Your county are
listed at the end of this Notice. If YOU have any Questions. YOU may call the Pennsylvania Housing Finance
Agency toll free at 1-800-342-2397 (Persons with imoaired hearing can call 7 I 7-780-1869).
This :"Jotice contains important legal information. If you have any questions, representatives at the
Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an
attorney in your area. The local bar association may be able to help you find a lawyer.
LA NOTlFICAION EN ADJUNTO ES DE SUMA IMPORT ANCIA, PUES AFECT A SU DERECHO A
CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENlDO DE EST A
I\OTIFICION OBTENGA UNA TRADt:CCION 1M MEDIA T AMENTE LLAMANDO EST A AGENCIA
(PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MEN CION ADO
ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO
"HOMEO\VNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE
SAL VAR SU CAS A DE LA PERDlDA DEL DERECHO A REDIMIR SU IHPOTECA.
HomEq Servicing Corporation is a debt collector, HomEq is atlempting to collect a debt
and any information obtained will be used for tbat purpose,
SEE LAST PAGE FOR ADDITIONAL IMPORTANT DISCLOSURES
THIS NOTICE CONTINUES ON THE NEXT PAGE
II W"ACHOVIA
HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MA Y BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME
FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS.
IF YOU COMPLY WITH THE PROVISION OF THE HOMEOWNER'S EMERGENCY
MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT") YOU MAY BE ELIGIBLE FOR
EMERGENCY MORTGAGE ASSISTANCE:
. YOUR DEFAULT HAS BEE:>I CAUSED BY CIRCUMSTANCES BEYOND YOUR
CONTROL,
. YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE
PAYMENTS, AND
. YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE
PE:>INSYL VANIA HOUSING FI:>IA:>ICE AGEl'iCY.
TEMPORARY STAY OF FORECLOSURE
Under the Act, you are entitled to a temporary stay of tile foreclosure on your mortgage for thirty (30) days
from the date of this notice. During that time you must arrange for and attend a "face-la-face" meeting with
one of the consumer counseling agencies listed at the cnd of this notice. THIS !\lEETI~G MUST
OCCUR WIT"'N THE NEXT THIRTY (30) DAYS. IF YOU DO NOT APPLY FOR
EMERGE:>ICY MORTGAGE ASSISTANCE. YOU MUST BRING YOUR MORTGAGE UP TO
DATE. THE PART OF TillS :>IOTICE CALLED "HOW TO CURE YOUR MORTGAGE
DEFAULT" EXPLAINS HOW TO BRIl'iG YOUR MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIES
If you attend a face-ta-face meeting with one of the consumer credit counseling agencies listed at the cnd of
this nOlice, the lender may NOT take further action against you for thirty (30) days after the date of this
meeting. The names. addresses and telenhonc numbers of designated consumer cOLlnsell"!! arrcncics for the
countv in which your oronertv is located are set forth at the end of this notice, It is necessary to schedule
only one face-to-face meeting. You should advise this lenderlservicer immediately of your intentions.
APPLICA TION FOR MORTGAGE ASSISTANCE
Your mortgage is in default for the reasons set forth later in this notice (see the following pages for specific
information about the nature of your default). If you have tried and are unable to resolve this problem with
the lenderlservicer, you have the right to apply for financial assistance from the Homeowner's Emergency
Mortgage Assistance Fund. To do so, you must fill out, sign and file a completed Homeowner's
Emergency Assistance Program Application with one of the designated consumer credit counseling
agencies listed at the end of this notice. Only consumer credit counseling agencies have applications for
the program and they will assist you in submitting a completed application to the Pennsylvania Housing
Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-
face meeting.
YOU MUST FILE YOUR APPLICATIO:>l PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU
DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER.
FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR
APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DE:>IIED.
AGENCY ACTION
Available funds for emergency mortgage assistance are very limited. Funds will be disbursed by the
Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency
has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure
proceedings will be pursued against you if you have met the time requirements set forth above. You will
be notified directly by the Agency of its decision on your application.
THIS NOTICE CONTINUES ON THE NEXT PAGE
Page 3
NOTE: IF YOU ARE CURRENTLY PROTECTED BY TIlE FILING OF A
PETITION IN BANKRUPTCY, THE I<'OLLOWING PART OF THIS NOTICE IS
FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE
CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT.
If you have filed bankruptcy you can still apply for Emergency Mortgage
Assistance.
NATURE OF THE DEFAULT
The MORTGAGE debt secured by your property located at:
707 WESTPfNE ST MOUNT HOLLY SPRINGS. PA 17065
IS SERIOUSLY IN DEFAULT because:
]. YOU HAVE NOT MADE MONTHL Y MORTGAGE PAYMENTS for the following months and the
following amounts are now past due:
a) Number of Payments Delinquent:
b) Delinquent Amount Due:
c) Late Charges:
d) Recoverable Corporate Advances:
e) Other Charges and Advances:
f) Less funds in Suspense:
g) Total amount required as of (due date):
3
$3,652.35
$97.40
$8.80
SI5
$0.00
$3,773.55
2. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION: (Do not use ifnnt applicable)
HOW TO CURE THE DEFAULT - You may cure this default within THIRTY (30) days from the date
of this letter BY PAYING THE TOTAL AMOUNT PAST DUE TO TilE LENDERlSERVICER,
WHICH IS $3,773.55 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES (and other
charges) WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be
made either bv cashier's check. certified check. or money order made oavable to:
Regular Mail
HomEq Servicing Corporation
P. O. Box 70829 Charlotte, NC 28272 - 0829
Overnight
Attn: Cash Central NC 4726
1100 Corporate Center Drive
Raleigh, NC 27607-5066
You can cure any other default by taking the follo\ving action within THIRTY (30) DAYS of the date of
this notice: (Do not use ifnot applicable)
THIS NOTICE CONTINUES ON THE NEXT PAGE
Page 4
IF YOU DO NOT CURE THE DEFAULT
If you do not cure the default within THIRTY (30) days of this notice, the lenderlservicer intends to
exercise its rights to accelerate the mortealZe debt. This means that the entire outstanding balance of this
debt will be considered due immediately and you may lose the opportunity to pay the mortgage in monthly
installments. Iffull payment of the total amount past due is not made within THIRTY (30) DA YS OF THE
DATE OF THIS LETTER, HomEq Servicing Corporation also intends to instruct its attorneys to start a
legal action to foreclose UDon your mortl!3l!ed Dropertv.
IF THE MORTGAGE IS FORECLOSED UPO:\!
The mortgaged property will be sold by the Sheriff to payoff the mortgage debt. If the lenderlservicer
refers your case to its attorneys, but you cure the delinquency before the attorney begins legal proceedings
against you, you will still be required to pay the reasonable attorneys' fees actually incurred up to S50.00.
However, if legal proceedings are started against you, you will have to pay all reasonable attorneys' fees
actually incurred even if they are over S50.00. Any attorneys' fees will be added to the amount you owe
the lenderlservicer, which may also include other reasonable costs. If you cure the default within the
THIRTY (30) DAY period. vou will not be reQuired to pay attornevs' fees.
OTHER LENDERlSERVICER REMEDIES
The lenderlserviccr may also sue you personally for the unpaid principal balance and all other sums due
under the Mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE
If you have not cured the default within the THIRTY (30) day period and foreclosure proceedings have
begun, vou still have the right to cure the default and nrcvent the sale at any time UD to one hour before the
Sheriffs Sale. You may do so by oaving the total amount then oast due plus anv late charges. other
charges then due. reasonable attorneys' fees and costs connected with the foreclosure sale and anv other
costs connected with the Sheriffs Sale as specified in writine: by the lcnderlservicer and bv oerforming anv
other requirements under the mortl!agc. Curing your default in the manner set forth in this Notice will
restore your mortgage to the same position as if you had nevcr defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE
It is estimated that the earliest date that such Sheriff's sale could be held would be approximately five (5)
months from the date of this notice. A notice of the actual date of the Sheriffs Sale will be sent to you
before the sale. The amount needed to cure the default will increase the longer you wait. You may find out
at any time exactly what the required payment or action will be by contacting the lenderlservicer.
HOW TO CONTACT TilE LENDERlSERVICER BY TELEPHO:\!E OR MAIL:
Name ofLenderlServicer
Address
HomEq Servicing Corporation
Attn: Account Research, Mail Code CA3345
P.O. Box 13716
Sacramento, CA 95853
1-866-577-8834
Telephone Number:
EFFECT OF SHERIFF'S SALE
You should realize that a Sheriffs sale will end your ownership of the mortgaged property and your right
to occupy it. If you continue to live in the property after the Sheriffs sale, a lawsuit to remove you and
your furnishings and other belongings could be started by the lenderlservicer at any time.
ASSUMPTION OF MORTGAGE
You may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt.
THIS NOTICE CONTINUES ON THE NEXT PAGE
Page 5
YOU 'lAY ALSO HAVE TilE RIGHT
. TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR
BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAYOFF THIS DEBT;
. TO HAVE TillS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF;
. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD
OCCURRED, IF YOU CURE THE DEFAULT. HOWEVER, YOU DO NOT HAVE THE RIGHT
TO CURE YOUR DEF AUL TS ANY MORE THAN THREE TIMES IN A CALENDAR YEAR;
. TO ASSERT THE NON-EXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING
OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS;
. TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MA Y HAVE TO SUCH ACTION BY
THE LENDERiSERVICER; OR
. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
THE CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY ARE
ATTACHED TO THIS LETTER
If you received a discharge of the account through the Bankruptcy Court and if your account has not been
reaffirmed, the acceleration and sale will not result in your being held personally liable for the debt and this
letter is not an attempt to collect a personal debt. However, failure to pay the delinquent balance is
necessary to avoid foreclosure.
You arc notified that this default, and any other legal action that may occur as a result thereof, may be
reported by HomEq to onc or more credit reporting agencies.
Please take appropriate action \\'ith respect to the important matters discussed herein,
Sincerely,
HomEq Servicing Corporation
THIS NOTICE CONTINUES ON THE NEXT PAGE
Page 6
IMPORTANT DISCLOSURES
California
As required by law, you are hereby notified that a negative credit report reflecting on your credit
record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit
obligations.
Colorado
For information about the Colorado Fair Debt Collection Practices Act, see
www.ago.state.co.us/CAB.HTMlweb site maintained by the State of Colorado)
.HOMEQ SERVICING-
DF785
TONY L KELLER SR
707 WEST PINE STREET
MT HOLLY SPRINGS,PA 17065-1119
May 17,2005
0005471158
NBRC
ACT 91 NOTICE
TAKE ACTION TO SAVE YOUR
HOME FROM FORECLOSURE
This is an official notice that the morteal!c on your home is in default. and the lender intends to foreclose.
Specific information about the nature of the default is provided in the attached paf!Cs.
The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able
to help to save your home. This notice explains how the program works.
To see if HEMAP can helD vou, YOU must MEET WITH A CONSUMER CREDIT COUNSEUNG
AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you
meet with the counselin2: al!ency.
The name. address. and ohone number of Consumer Credit Counseling Aecncies servin!! your county arc
listed at the end of this Notice. If YOU have any questions. vou may call the Pennsylvania Housing Finance
Agencv toll free at 1-800-342-2397 (Persons with imoaired hearing can call 717-780-1869).
This Notice contains important legal information. Uyou have any questions, representatives at the
Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an
attorney in your area. The local bar association may be able to help you find a lawyer.
LA NOTIFICAION EN ADJUNTO ES DE SUMA IMPORT ANCIA, PUES AFECT A SU DERECHO A
CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA
NOTIFICION OBTENGA UNA TRADUCCION IMMEDIA T AMENTE LLAlv[ANDO EST A AGENClA
(PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO
ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO
"HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE
SAL V AR SU CASA DE LA PERDIDA DEL DERECHO A REDlMIR SU HIPOTECA.
HomEq Servicing Corporation is a debt collector. HomEq is attempting to collect a debt
and any information obtained will be used for that purpose.
SEE LAST PAGE FOR ADDITIONAL IMPORTANT DISCLOSURES
THIS NOTICE CONTINUES ON THE NEXT PAGE
!II WACHOVIA
HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WIIICH CAN SAVE YOUR HOME
FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS.
IF YOU COMPLY WITH TIlE PROVISION OF THE HOMEOWNER'S EMERGENCY
MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT") YOU MAY BE ELIGIBLE FOR
EMERGENCY MORTGAGE ASSISTANCE:
. YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR
CONTROL,
. YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE
P A Y\fENTS, AND
. YOU MEET OTIIER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE
PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE
Under the Act, you arc entitled to a temporary stay of the foreclosure on your mortgage for thirty (30) days
from the date of this notice. During that time you must arrange for and attend a "face-ta-face" meeting with
one of the consumer counseling agencies listed at the end of this notice. THIS MEETING MUST
OCCUR WITIIIN THE NEXT THIRTY (30) DAYS. IF YOU DO NOT APPLY FOR
EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO
DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE
DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIES
lfyoll attend a face-ta-face meeting with one of the consumer credit counseling agencies listed at the end of
this notice, the lender may NOT take further action against you for thirty (30) days after the date of this
meeting, The names. addresses and teleohone numbers of desil!nated consumer coullsclim! agencies for the
county in which vour oropertv is located are set forth at the end of this notice. It is necessary to schedule
only one face-to-face meeting. You should advise this lender/servicer immediatelv of your intentions.
APPLICATION FOR MORTGAGE ASSIST A"<CE
Your mortgage is in default for the reasons set forth later in this notice (see the following pages for specific
information about the nature of your default). If you have tried and are unable to resolve this problem with
the lender/servker, you have the right to apply for financial assistance from the Homeowner's Emergency
Mortgage Assistance Fund. To do so, you must fill out, sign and file a completed Homeowner's
Emergency Assistance Program Application with one of the designated consumer credit counseling
agencies listed at the end of this notice. Only consumer credit counseling agencies have applications for
the program and they will assist you in submitting a completed application to the Pennsylvania Housing
Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-
face meeting.
YOU MUST FILE YOUR APPLICATIO:-l PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU
DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER.
FORECLOSURE MAY PROCEED AGAE\ST YOUR HO\1E IMMEDIATELY AND YOUR
APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED.
AGENCY ACTION
Available funds for emergency mortgage assistance are very limited. Funds will be disbursed by the
Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency
has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure
proceedings will be pursued against you if you have met the time requirements set forth above. You will
be notified directly by the Agency of its decision on your application.
THIS NOTICE CONTINUES ON THE NEXT PAGE
Page 3
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A
PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS
FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE
CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT.
If you have filed bankruptcy you can still apply for Emergency Mortgage
Assistance.
NATURE OF TilE DEFAULT
The MORTGAGE debt secured by your property located at:
707 WEST PINE ST MOUNT HOLLY SPRINGS, PA 17065
IS SERIOUSLY IN DEFAULT because:
I. YOU HAVE NOT MADE MONTHLY MORTGAGE PA YMENTS for the following months and the
follovving amounts arc now past due:
a) Number of Payments Delinquent:
b) Delinquent Amount Due:
c) Late Charges:
d) Recoverable Corporate Advances:
c) Other Charges and Advances:
f) Less funds in Suspense:
g) Total amount required as of (due date):
3
$3.65235
$97.40
$8.80
$15
$0.00
$3,773.55
2. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION: (Do not use ifnot applicable)
HOW TO CURE THE DEFAULT - You may cure this default within THIRTY (30) days from the date
of this letter BY PAYING THE TOTAL AMOUNT PAST DUE TO TilE LENDERlSERVICER,
WHICH IS $3,773.55 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES (and other
charges) WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be
made rither b,' cashier's check. certified check. or money order made navable to:
Regular Mail
HomEq Servicing Corporation
P. O. Box 70829 Charlotte, NC 28272 - 0829
Overnight
Attn: Cash Central NC 4726
1100 Corporate Center Drive
Raleigh, NC 27607-5066
You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of
this notice: (Do not use ifnot applicable)
THIS NOTICE CONTINUES ON THE NEXT PAGE
Page 4
IF YOU DO NOT CURE THE DEFAULT
If you do not cure the default within THIRTY (30) days of this notice, the lendcr/servicer intends 1\,
exercise its rights to accelerate the mortf!agc debt. This means that the entire outstanding balance (If this
debt will be considered due immediately and you may lose the opportunity to pay the mortgage in monthly
installments. If full payment of the total amount past due is not made withm THIRTY (30) DAYS OF THE
DATE OF THIS LETTER, HomEq Servicing Corporation also intends to instruct its attorneys to start a
legal action to foreclose UDon your mort17af!ed orooerty.
IF THE MORTGAGE IS FORECLOSED UPON
The mortgaged property will be sold by the Sheriff to payoff the mortgage debt. If the lcndcriservicer
refers your case to its attorneys, but you cure the delinquency before the attorney begins legal proceedings
against you, you will still be required to pay the reasonable attorneys' fees actually incurred up to S50.00.
However, if legal proceedings are started against you, you will have to pay all reasonable attorneys' fees
actually incurred even if they are over S50.00. Any attorneys' fees will be added to the amount you 0\\.'(:
the lenderiservicer, which may also include other reasonable costs. If vou cure the default within the
THIRTY (30) DAY oeriod. YOU will not be reauired to oay attorneys' fees.
OTHER LENDERlSERVICER REMEDIES
The lender/scrvicer may also sue you personally for the unpaid principal balance and all other sums due
under the Mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE
If you have not cured the default within the THIRTY (30) day period and foreclosure proceedings have
begun, vou still have the right to cure the default and prevent the sale at anv tiI11e un to one hour before the
Sheriffs Sale. You mav do so bv oaving the total amount then oast due olus anv latc chames. other
charges then due. reasonable attornevs' fees and costs connected with the foreclosure sale and anv other
costs connected with the Sheriffs Sale as soecified in writi"!! bv the lenderlservicer and b'v performing illlY
other requirements under the mortgaee, Curing your default in the manner set forth in this Notice will
restore your mortgage to the same position as if you had never defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE
It is estimated that the carliest date that such Sheriffs sale could be held would be approximately five (5)
months from the date of this notice. A notice of the actual date of the Sheriffs Sale will be sent to you
before the sale. The amount needed to cure the default will increase the longer you wait. You may find out
at any time exactly what the required payment or action will be by contacting the lender/servieer.
HOW TO CONTACT THE LENDERlSERVICER BY TELEPHONE OR ~1A1L:
Name of Lender/Servicer
Address
HomEq Servicing Corporation
Altn: Account Rcsearch, Mail Code CA3345
PO. Box 13716
Sacramento, CA 95853
1-866-577-8834
Telephone Number:
EFFECT OF SHERIFF'S SALE
You should realize that a Sheriffs sale will end your ownership of the mortgaged property and your right
to occupy it. If you continue to live in the property after the Sheriffs sale, a lawsuit to remove you and
your furnishings and other belongings could be started by the lender/servicer at any time.
ASSUMPTION OF MORTGAGE
You may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt.
THIS NOTICE CONTINUES ON THE NEXT PAGE
Page 5
YOU MA Y ALSO HA VE THE RIGHT
. TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR
BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PA Y OFF THIS DEBT;
. TO HA VE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF;
. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEF AUL THAD
OCCURRED, IF YOU CURE THE DEFAULT. HOWEVER, YOU DO NOT HAVE THE RIGHT
TO CURE YOUR DEF AUL TS ANY MORE THAN THREE TIMES IN A CALENDAR YEAR;
. TO ASSERT THE NON-EXISTENCE OF A DEFAULT TN 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 LENDERfSERVICER; OR
. TO SEEK PROTECTION UNDER THE FEDERAL BAKKRUPTCY LA W.
THE CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY ARE
ATTACHED TO THIS LETTER
If you received a discharge of the account through the Bankruptcy Court and if your account has not been
reaffirmed, the acceleration and sale will not result in your being held personally liable for the debt and this
letter is not an attempt to collect a personal debt. However, failure to pay the delinquent balance is
necessary to avoid foreclosure.
You are notified that this default, and any other legal action that may occur as a result thereof, may be
reported by HomEq to one or morc credit rcporting agencies.
Please take appropriate action with respect to the important matters discussed herein.
Sincerely,
HomEq Servicing Corporation
THIS NOTICE CONTINUES ON THE NEXT PAGE
Page 6
IMPORTANT DISCLOSURES
California
As required by law, you are hereby notified that a negative credit report reflecting on your credit
record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit
obligations.
Colorado
For information about the Colorado Fair Debt Collection Practices Act, see
w\I,'w.ae:o.state.co.llsiCAB.HTM (web site maintained by the State of Colorado)
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SHERIFF'S RETURN - NOT FOUND
CASE NO: 2005-04553 P
COMMONTWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
CITIBANK NA ET AL
VS
KELLER TONY L SR ET AL
R. Thomas Kline ,Sheriff or Deputy Sheriff, who being
duly sworn according to law, says, that he made a diligent search and
inquiry for the within named DEFENDANT
TENANT/OCCUPANT
but was
unable to locate Him in his bailiwick. He therefore returns the
COMPLAINT - MORT FORE
, NOT FOUND , as to
the within named DEFENDANT
, TENANT/OCCUPANT
707 WEST PINE STREET
MT HOLLY SPRINGS, PA 17065
THERE WERE NO OTHER OCCUPANTS.
Sheriff's Costs:
Docketing
Service
Not Found
Surcharge
6.00
.00
5.00
10.00
.00
21.00
". Thomas Kl ine
ff of Cumberland County
PLUESE BECKER SALTZMAN
09/09/2005
Sworn and subscribed to before me
this ~ day of ~""
olifO~. A.D~_
p;oZ~. --I
SHERIFF'S RETURN - REGULAR
CASE NO: 2005-04553 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CITIBANK NA ET AL
VS
KELLER TONY L SR ET AL
RICHARD SMITH
, Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE
was served upon
KELLER TONY L SR
the
DEFENDANT
, at 1507:00 HOURS, on the 7th day of September, 2005
at 707 WEST PINE STREET
MT HOLLY SPRINGS, PA 17065
by handing to
JOANN WARD, ADULT IN CHARGE
a true and attested copy of COMPLAINT - MORT FORE
together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So Answers:
18.00
4.80
.00
10.00
.00
32.80
o;v.,r(2..P" ../.4"
07 ;?~"'~~:'';P.r.~'.~:?~~
R. Thomas Kline
09/09/2005
PLUESE BACKER
Sheriff
Sworn and Subscribed to before By:
me this
).(p
SHERIFF'S RETURN - REGULAR
CASE NO: 2005-04553 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CITIBANK NA ET AL
VS
KELLER TONY L SR ET AL
RICHARD SMITH
, Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE
was served upon
WARD JOANN
the
DEFENDANT
, at 1507:00 HOURS, on the 7th day of September, 2005
at 707 WEST PINE STREET
MT HOLLY SPRINGS, PA 17065
by handing to
JOANN WARD
a true and attested copy of COMPLAINT - MORT FORE
together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So Answers:
6.00
.00
.00
10.00
.00
16.00
'.,'
7'"
R. Thomas Kline
-".".~--y
09/09/2005
PLUESE BECKER
Sworn and Subscribed to before By:
me this
A.D.
day of
OFFICE OF THE PROTHONOTARY
COURTOFCO~ONPLEAS
ONE COURTHOUSE SQUARE
CARLISLE, PA 17013
CURT LONG, PROTHONOTARY
TO: TONY L. KELLER, SR.
707 WEST PINE STREET
MT. HOLLY SPRINGS, PA 17065
JOANN WARD
707 WEST PINE STREET
MT. HOLLY SPRINGS, PA 17065
CITIBANK, N. A. AS TRUSTEE UNDER
THE POOLING AND SERVICING
AGREEMENT DATED AS OF
NOVEMBER 30, 2001, SERlES 2001-1
COURT OF CO~ON PLEAS
CUMBERLAND COUNTY
NO. 05-4553
Plaintiff,
v.
NOTICE PURSUANT TO RULE 236
TONY L. KELLER, SR.
JOANN WARD
Defendants.
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-captioned proceeding as indicated below.
ClIrl Long, Prothonotary
[XX] Judgment entered by Default
IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL:
Rob Saltzman, Esquire, Attorney ill #53957
PLUESE, BECKER & SALTZMAN, LLC
20000 Horizon Way, Suite 900
Mt. Laurel, NJ 08054
856/813-1700
Attorneys for Plaintiff
Pluese, Becker & Saltzman, LLC
Attorneys At Law
20000 Horizon Way, Suite 900
Mt. Laurel, NJ 08054
Rob Saltzman, Esquire
Attorney ID NO.: 53957
856/813-1700
Attorney for Plaintiff
78283
CITIBANK, N.A., AS TRUSTEE UNDER
THE POOLING AND SERVICING
AGREEMENT DATED AS OF
NOVEMBER 30,2001, SERIES 2001-1
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO. 05-4553
Plaintiff,
v.
PRAECIPE TO ENTER JUDGMENT
AND
ASSESSMENT OF DAMAGES
TONY 1. KELLER, SR.
JOANN WARD
Defendants.
TO THE PROTHONOTARY:
Kindly enter Default Judgment in favor of Plaintiff, Citibank, N.A., as Trustee under the Pooling and
Servicing Agreement dated as of November 30,2001, Series 2001-1 and against Defendant(s),
Tony 1. Keller, Sr. And Joann Ward, for failure to file an Answer to Plaintiffs Civil Action in Mortgage
Foreclosure within the time provided for by applicable law from service thereof.
Service was made on the Defendant(s) by, Sheriffs of Cumberland County as follows:
Tony 1. Keller, Sr., served September 7, 2005
Joann Ward, served September 7, 2005
wn~K~~~ 'b K~lUKN - K~GULA~
. CASE NO: 2005-0455:
COMMONWEALTH OF PENNSYLVANIA,
COUNTY OF CUMBERLAND
CITIBANK NA ET AL
VS
KELLER TONY L SR ET AL
RICHARD SMITH
, Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE
was served upon
KELLER TONY L SR
the
DEFENDANT
at 1507:00 HOURS, on the 7th day of September, 2005
at 707 WEST PINE STREET
MT HOLLY SPRINGS, PA 17065
by handing to
JOANN WARD, ADULT IN CHARGE
a true and attested copy of COMPLAINT - MORT FORE
together with
and at the same time directing Her attention to the contents thereof.
sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
18.00
4.80
.00
10.00
.00
32.80
So Answers:
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.- ......"....~(.....,' ,.-,,,--<~~::;. L' "",./~ ~ C
~",.~;(u~,,,,"-<:
R. Thomas Kline
09/09/2005
PLUESE BACKER SAL
Sheriff
Sworn and Subscribed to before By:
me this
day of
A.D.
Prothonotary
0n.r:.I\.l.rr u I\..~.lU!\.l\j - .Kbl:iULAK
. C1\.SE NO: 2005-0455.
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CITIBANK NA ET AL
VS
KELLER TONY L SR ET AL
RICHARD SMITH
Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE
was served upon
WARD JOANN
the
DEFENDANT
, at 1507:00 HOURS, on the 7th day of September, 2005
at 707 WEST PINE STREET
MT HOLLY SPRINGS, PA 17065
by handing to
JOANN WARD
a true and attested copy of COMPLAINT - MORT FORE
together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So Answers:
6.00
.00
.00
10.00
.00
16.00
?;~;.,--:,;:"'~'-',/
.'':"'
,,i~
R. Thomas Kline
me this
day of
09/09/2005
'LUBSE esCKE~.LS ZMAN
By: (/ .~.
feputy Sheriff
Sworn and Subscribed to before
A.D.
Prothonotary
Assess Damages as follows:
Total Demand in Complaint
$130,677.05
Interest due and owing at the rate of$38.23 per diem from September 1,2005 to
October 11, 2005
$ 1,529.20
Additional Late charges
$ 48.70
Additional Corporate Advances
$ 2,008.00
TOTAL JUDGMENT TO BE ENTERED
$134,262.95
PLUESE, BECKE SALTZMAN, LLC
// .
BY:/'~
R-6b Saltzman, Esquire
,/ .. Attorneys for Plaintiff
/
Pluese, Becker & Saltzman, LLC
Attorneys At Law
20000 Horizon Way, Suite 900
Mt. Laurel, NJ 08054
Rob Saltzman, Esquire
Attorney ill NO.: 53957
856/813-1700
Attorney for Plaintiff
78283
CITIBANK, N.A. AS TRUSTEE UNDER
THE POOLING AND SERVICING
AGREEMENT DATED AS OF
NOVEMBER 30, 2001, SERIES 2001-1
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
No.:05-4553
Plaintiff,
CERTIFICATION OF ADDRESSES
v.
TONY L. KELLER, SR.
JOANN WARD
Defendants.
I, Marlo Washington, Paralegal, of the Law Firm ofPluese, Becker & Saltzman, LLC, Attorney for
Plaintiff, Citibank, N.A. as Trustee under the Pooling and Servicing Agreement dated as of November 30,
2001, Series 2001-1, hereby certifY that the Plaintiff's correct address is 1100 Corporate Center Drive,
Raleigh, NC 27607 and the last known address of each Defendant is as below.
Tony L. Keller, Sr., 707 West Pine Street, Mt. Holly Springs, P A 17065
Joann Ward, 707 West Pine Street, Mt. Holly Springs, PA 17065
I certify that the foregoing information is true and correct to the best of my knowledge, information
and belief.
PLUESE, BECKER & SALTZMAN, LLC
ItE,," .
NOTARYPu8\.IC OFFIRW ~
1012221929
MY COMMISSION EXPIRES
513/09 .
~ '.Il .
By /;iIh J;;l,
Marlo Washington, para:)l
Pluese, Becker & Saltzman, LLC
Attorneys At Law
20000 Horizon Way, Suite 900
Mt. Laurel, NJ 08054
856/813-1700
Rob Saltzman, Esquire
Attorney ill No.: 53957
Attorney for Plaintiff
78283
CITIBANK, N.A. AS TRUSTEE UNDER
THE POOLING AND SERVICING
AGREEMENT DATED AS OF
NOVEMBER 30,2001, SERIES 2001-1
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO. 05-4553
Plaintiff,
AFFIDAVIT
OF
NON-MILITARY SERVICE
v.
TONY L. KELLER, SR.
JOANN WARD
Defendants.
COMMONWEALTH OF PENNSYLVANIA
s.s.
COUNTY OF CUMBERLAND:
I, Rob Saltzman, Esquire, being duly sworn, deposes and says that the averments herein are based
upon investigations made and records maintained either by or an behalf of the Plaintiff herein named and
that such investigations and/or records indicate that the above-named Defendant(s) is/are not in the Military
or Naval Service of the United States of America or its Allies as defined by the Soldiers and Sailors Civil
Relief Act of 1940, as amended, and that the age and last known residence and employment of each
Defendant are as follows:
Defendant:
Age:
Residence:
Employment:
Defendant:
Age:
Residence:
Employment:
Tony L. Keller, Sr.
Over 18
707 West Pine Street, Mt. Holly Springs, P A 17065
Unknown
Joann Ward
Over 18
707 West Pine Street, Mt. Holly Springs, P A 17065
Unknown
/
PLUESE, BECKER & SALTZMAN, LLC
By ~.
Rob yaftzman, Esquire
AJUSrney ill No.: 53957
Sworn to and subscribed before me
this' JMtay oflf)e.OO005.
---..-
z;( ~SV(
JENNIFER ElSER
NOTARY PUBLIC OF NEW JERSEY
10# 2221929
MY COMMISSIONaPIRfS
513109
Pluese, Becker & Saltzman, LLC
Attorneys At Law
20000 Horizon Way, Suite 900
Mt. Laurel, NJ 08054
856/813-1700
Rob Saltzman, Esquire
Attorney ill No.: 53957
Attorneys for Plaintiff
78283
CITIBANK, N.A. AS TRUSTEE UNDER
THE POOLING AND SERVICING
AGREEMENT DATED AS OF
NOVEMBER 30,2001, SERIES 2001-1
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO.: 05-4553
Plaintiff,
v.
TONY L. KELLER, SR.
JOANN WARD
CERTIFICATION
OF
MAILING
Defendants.
I, Marlo Washington, Paralegal, ofthe Law Firm ofPluese, Becker & Saltzman, LLC, Attorneys for
Plaintiff, hereby certify that I forwarded to the following Defendant( s) on the date( s) listed, by regular mail,
a copy of the Notice of Intention to take Default Judgment, Rule 237.1:
Tony L. Keller, Sr., 707 West Pine Street, Mt. Holly Springs, PA 17065
Joann Ward, 707 West Pine Street, Mt. Holly Springs, PA 17065
Marl
PL~
By:
PLUESE, BECKER & SALTZMAN, LLC
Attornevs At Law
20000 Hcrlzon vlay', Slllte 9<,:['
r<t. Laurel, NJ 08C54
(?56) 8~3-1700
A~torneys for Plai~tiff
78283
C~TIBANK, N.A. AS TRUSTEE UNDER
THE POOLING AND SERVICING
AGREEMENT DATED AS OF
NOVEMBER 30, 2001,SERIES 2001-1
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
05-4553
Plaintiff,
v.
TONY L. KELLER, SR.
JOANN ,~ARD
Defendants
NOTICE OF INTENTION TO TAKE DEFAULT UNDER Pa. R.C.P. 237.1
IMPORTANT NOTICE
You are in default because you have failed to enter a written appearance
personally or by attorney and file in writing ;Iith the Court your de:enses
or Ob]ectlons to the claims asserted agalnst you. Unless you act within
ten (101 days from the date of this Notice as set forth below, a Judgment
may be entered against you without a hearing and you may lose your property
or other important rights and may be liable for money damages. 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 offlce to find O'elt
where you oan get legal help:
CUMBERLAND COUNTY BAR ASSOCIATION
2 Liberty Avenue
Carlisle, PA 17013
1/800-990-9108
L
NOTIFICACION IMPORTANTE
Usted esta en incumplimiento de su oblicaci6n legal de presentar, ya sea
personalmente 0 por medio de su abogado, una declaraeion por eserico y
par no haber present ado par escrito sus defensas a los cargos que se han
present ado en su contra. Si usted no toma accion dentro de diez (10)
dias de la fecha de esta Notificaeion, se registrara una senteneia en su
contra sin audieneia y usted podra perder su propiedad u arras dereehos
importantes y podra ser responsable par danos monetarios. Usted debe
llevar esta Notieia a un abogado enseguida. Si no tiene abogado 0 no
tiene dinero suficiente para tal servicio, vaya en persc~a 0 11ame per
telefono a la ofieina euyo numbre se encuenrra abajo para eonseC)uir
asistencia legal.
CUMBERLAND COUNTY BAR ASSOCIATION
2 Liberty Avenue
Carlisle, PA 17013
1/800-990-9108
Date of Notice:
September 29, 2005
PERSONS SERVED:
Tony L. Keller, Sr.
707 West Pine Street
Mr. Holly Springs, PA 17065
Joann Ward
707 West Pine Street
Mt. Holly Springs, PA 17065
PLUESE, BECKZ"R.. :.~AL~CMAN,
. .,~/
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LLC
By:
,//
~ob Saltzman, Esquire
/
//Attorneys for Plaintiff
/~
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PRAECIPE FOR WRIT OF EXECUTION - (MORTGAGE FORECLOSURE)
P.R.C.P.3180-3183
eitibank, N.A. ast Trustee under the
Pooling and Servicing Agreement Dated
as of November 30, 2001, Series 2001-1
Plaintiff
]N THE COURT OF COMMON PLEAS OF
CUMBERLAND COl.JNTY, PEN'NSYL V AN]A
NO,: 05-4553
v.
Tony L. Keller, Sr.
Joann Ward
Defendant(s)
To the Prothonotary:
Issue Writ of Execution in the above matter:
AMOUNT DUE
INTEREST
From] 0115/05 to 3/8/06
at $22,07 per diem
$ I 34,262,95
$ 3,]78,08
Total
(Costs to be added)
$137,441.03
.-' / /-;~ ---/
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Date: December 6, 2005
-
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~b Saltzman, Esquire
Attorney for Plamtiff
20000 Horizon Way, Suite 900
Mount Laurel, NJ 08054
(856) 813-1700
Attorney 10 No,: 53957
i
Note: Please attach description of Property.
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ALL THAT CERTAIN lot of land situate in the South Middleton Township, Cumberland
County, Pennsylvania, bounded and described as follows:
BEGINNING at an iron pin on the Southern right of way of Township Road No. 475 (West Pine
Street) being the Northwest corner of Lot No.3; thence along Lot No.2 South 09 degrees 23
minutes East 404.52 feet to an iron pin; thence along Lot NO.7 North 87 degrees 10 minutes East
70.00 feet to an iron pin; thence along Lot No.4 North 02 degrees 18 minutes 50 seconds West
385.28 feet to an iron pin; thence along the Southern right of way of Township Road 475 North
68 degrees 25 minutes West 63.47 feet to an iron pin; thence along the same North 83 degrees 18
minutes 40 seconds West 62.53 feet to the place of beginning.
Being Lot Number 3 according to a Subdivision Plan for John C. Maurice in South Middleton
Township, Cumberland County, Pennsylvania, prepared by Thomas A. Neff, R.S. on January 5,
1977 and recorded in the Office of the Recorder of Deeds in and for Cumberland County.
Containing .837 acres.
Being Parcel No. 40-32-2332-026
Being known as 707 W. Pine Street, Mount Holly Springs, P A 17065
WRIT OF EXECUTION and/or A TT ACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO 05-4553 Civil
CIVIL ACTION - LAW
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the debt, interest and costs due CITlBANK, N.A. AS TRUSTEE UNDER THE
POOLING AND SERVICING AGREEMENT DATED AS OF NOVEMBER 30, 2001, SERIES
2001-1, Plaintiff (s)
From TONY L. KELLER, SR. AND JOANN WARD
(I) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL
DESCRIPTION.
(2) You are also directed to attach the property of the defendant(s) not levied upon in the possession
of
GARNISHEE(S) as follows:
and to notify the gamishee(s) that: (a) an attaclunent has been issued; (b) the gamishee(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 allaclunent 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 $134,262.95
L.L. $.50
Interest FROM 10/15/05 TO 3/8/06 AT $22.07 PER DIEM - $3,178.08
Arty's Comm % Due Prothy $1.00
Atty Paid $151.80 Other Costs
Plaintiffpaid
Date: DECEMBER 7, 2005
CURTIS R. LONG
(Seal)
ProthZ P 7g
<-By: (V). tL. ')? .12/'~
Deputy
REQUESTING PARTY:
Name ROB SALTZMAN, ESQUIRE
Address: 20000 HORIZON WAY, SUITE 900
MOUNT LAUREL, NJ 08054
Attorney for: PLAINTIFF
Telephone: 856-813-1700
Supreme Court ID No. 53957
PLUESE, BECKER & SALTZMAN, LLC
By: Rob Saltzman, Esquire
Attorney I.D. #53957
20000 Horizon Way, Suite 900
Mount Laurel, NJ 08054
Phone: 856-813-1700
Attornev for Plaintiff
Citibank, N.A. ast Trustee under the
Pooling and Servicing Agreement Dated
as of November 30, 2001, Series 2001-1
Plaintiff,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
v.
Docket #05-4553
Tony 1. Keller, Sr.
J oann Ward
Defendant
A FFTnA VIT OF I AST KNOWN A OORFSS
I, Rob Saltzman, Esquire, Attorney for Plaintiff, Citibank, N.A. ast Trustee under the
Pooling and Servicing Agreement Dated as of November 30,2001, Series 2001-1, hereby certify
that the last known addressees) of the Defendant(s) is/are as below:
Tony 1. Keller, Sr., 707 W. Pine Street, Mount Holly Springs, P A 17065
Joann Ward, 707 W. Pine Street, Mount Holly Springs, PA 17065
I certify that the foregoing information is true and correct to the best of my knowledge, information
and belief.
Respectfully submitted,
PLUESE, BECKER & SALTZMAN, LLC
/'
BY: /?z-------
Rob ltzman, Esquire
orney for Plaintiff
,/
PLUESE, BECKER & SALTZMAN, LLC
By: Rob Saltzman, Esquire
Attorney LD. #53957
20000 Horizon Way, Suite 900
Mount Laurel, NJ 08054
Phone: 856-813-1700
Attornev for Plaintiff
Citibank, N.A. ast Trustee under the
Pooling and Servicing Agreement Dated
as of November 30, 2001, Series 2001-1
Plaintiff,
Court of Common Pleas
Cumberland County
v.
Docket #05-4553
Tony 1. Keller, Sf.
J oann Ward
Defendant(s).
CERTTFTrATTON AS TO THE SALF OF RFAL PROPERTY
I, Rob Saltzman, Esquire hereby certify that I am the attorney of record for the Plaintiff,
Citibank, N.A. ast Trustee under the Pooling and Servicing Agreement Dated as of November 30,
2001, Series 2001-1 in this action against real property and I further certify that this property is:
() FHA - Tenant Occupied or Vacant
() Commercial
(X) That the Plaintiff has complied in all respects with Section 403 of the
HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983
which may include but is not limited to:
(a) Service of Notice of Defendant(s)
(b) Expiration of thirty days since the Service of Notice
(c) Defendant's failure to request or to appear at a face-to-face meeting
with the Mortgagee or with a Consumer Credit Counseling Agency.
(d) Defendant's failure to file an application for financial assistance with
the Pennsylvania Housing Finance Agency and/or the denial of such
application.
I further agree to indemnify and hold harmless the Sheriff of Cumberland County for any
willfully false material statements given herein.
Respectfully submitted,
PLUESE, BECKER & S
/'
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BY: ~
RqYSaltzman, Esquire
_ Aitorney for Plaintiff
'-
PLUESE, BECKER & SALTZMAN, LLC
By: Rob Saltzman, Esquire
Attorney 1.0. #53957
20000 Horizon Way, Suite 900
Mount Laurel, NJ 08054
Phone: 856-813-1700
Attornev for Plaintiff
Citibank, N.A. ast Trustee under the
Pooling and Servicing Agreement Dated
as of November 30, 2001, Series 2001-1
Plaintiff,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
v.
Docket #05-4553
Tony L. Keller, Sr.
Joann Ward
Defendant
AFFIDAVIT PlJRSTTANT TO RTTT.F 1129 1
lCitihank, N A ast Trllstpe lInder thp Pooling and Sprvidne Agrppmpnt Datpd as of Novpmher
10, 2001, Sprips 7.001-1, Plaintiff in the above action, sets forth as of the date the Praecipe for the
Writ of Execution was filed the following infomlation concerning the real property located at 1111
W Pinp Strppt, MOllnt Holly Springs, PA 1706<;, Cumberland County, Pennsylvania, was true
and correct to the best of its knowledge, information and belief.
I. Name and address of owner(s) or reputed owner (s):
Name
Address
Tony L. Keller, Sr.
707 W. Pine Street
Mount Holly Springs, P A 17065
Joann Ward
707 W. Pine Street
Mount Holly Springs, P A 17065
2. Name and address ofdefendant(s) in the judgment:
Name
Address
SAME AS ABOVE
....
3. Name and last address of every judgment creditor whose judgment is a record lien on the
real property to be sold:
Name
Address
Unifund CCR Partners
10625 Techwoods Circle
Cincinnati, OH 45242
4. Name and address of the last recorded holder of every mortgage ofrecord:
Name
Address
Citibank, N.A. ast Trustee under the
Pooling and Servicing Agreement Dated
as of November 30, 2001, Series 2001-1
(Plaintiff)
Donald L. Baker
616 Forge Road
Carlisle, PA 17013
Cathy A. Baker
616 Forge Road
Carlisle, PA 17013
5. Name and address of every other person who has any record lien on the property:
Name
Address
None.
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:
Name
Address
Cwnberland Co. Dept. of
Domestic Relations
P.O. Box 320
Carlisle, PA 17013
Commonwealth ofPA
Dept. of Welfare
P.O. Box 2675
Harrisburg, PA 17105
South Middleton Township Municipal Auth.
P.O. Box 8
345 Criswell Drive
Boiling Springs, PA 17007
Tax Collector
6 Hope Drive
Boiling Springs, P A 17007
....
South Middleton Township
520 Park Drive
Boiling Springs, PA 17007
Adams Electric Cooperative, Inc.
1338 Biglerville Road
Gettysburg, P A 17325
PPL Resources, Inc.
40 Roadway Drive
Carlisle, P A 17013
FirstEnergy - MedEd
2800 Pottsville Pike
P.O. Box 16001
Reading, PA 19640-0001
UGI
1500 Paxton Street
Harrisburg, P A 171 04
7. Name and address of every other person of whom the plaintiff has knowledge that has any
interest in the property, which may be affected by the sale:
Name
Address
Tenant/Occupant
707 W. Pine Street
Mount Holly Springs, P A 17065
(attach separate sheet if more space is needed)
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 falsification to authorities.
Decem her () ?OO~ PLUESE, BECKER & SAL TZ~LC _
/~~
Date
BY:
Rob tzman, Esquire
orney for Plaintiff
I
--.,
1,-'
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,
.-----
PLUESE, BECKER & SALTZMAN, LLC
By: Rob Saltzman, Esquire
Attorney LD. #53957
20000 Horizon Way, Suite 900
Mount Laurel, NJ 08054
Phone: 856-813-1700
Attomev for Plaintiff
Citibank, N.A ast Trustee under the
Pooling and Servicing Agreement Dated
as of November 30, 2001, Series 2001-1
Plaintiff,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
v.
Docket #05-4553
Tony L. Keller, Sf.
J oann Ward
Defendant
NOTTrF OF SHFRTFF'S SAT F OF RFAT FSTATF
TO: Tony 1.. Keller, Sf.
707 W. Pine Street
Mount Holly Springs, PA 17065
Your house at 707 W. Pine Street, Mount Holly Springs, P A 17065, is scheduled to be sold
by the Cumberland County Sheriffs Department to enforce the court judgment of $134,262.95
obtained by Citibank, N.A ast Trustee under the Pooling and Servicing Agreement Dated as of
November 30,2001, Series 2001-1 against you. The Sheriffs Sale will be conducted on March 8,
2006, at 10:00 AM., at the Cumberland County Courthouse, One Courthouse Square, Carlisle, P A
17013-3387 or, in the alternative, at a location to be determined by the Clunberland County
Sheriff s Department.
NOTICE OF OWNER'S RIGHTS
YOlT MAY RF ART F TO PRFVFNT THTS SHFRTFF'S SAT F
To prevent this Sheriffs Sale, you must take immediate action:
I. The sale will be cancelled if you pay to Plaintiff Mortgagee the back payments, late
charges, costs and reasonable attorneys Fees due. To find out how much you must pay,
you may call Rob Saltzman, Esquire at (215) 546-3205.
2. You may be able to stop the sale by filing a petition asking the Court to strike or open the
Judgment, if the judgment was improperly entered. You may also ask the Court to
postpone the sale for good cause.
3. You may also be able to stop the sale through other legal proceedings.
You may need an attorney to assert your rights. The sooner you contact one, the more
chance you will have of stopping the sale. (See notice below on how to obtain an attorney.)
yon MAY STTTI HF AHTF TO SAVF YOnR PROPFRTY AND yon HAVF OTHFR
RIGHTS FVFN IF THF SHFRIFF'S SAI F DOFS TAKF PI Ar:F
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 Rob Saltzman, Esquire at (215) 546-3205, or by calling the
Cumberland County Sheriffs Department at (717) 240-6390
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 ifthe buyer pays the Sheriff the full amount due in the sale.
To find out if this has happened, you may call Rob Saltzman, Esquire at (215) 546-3205, or by
calling the Sheriffs office at (717) 240-6390.
4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of
the property as if the sale never happened.
5. You have the right to remain in the property until the full amount due is paid to the Sheriff
and the Sheriff gives a deed to the buyer. At this 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 Cumberland County Sheriff on or
about thirty (30) days from the date of the Sheriffs Sale. This schedule will state who will be
receiving that money. The money will be paid out in accordance with this schedule unless
exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten
(10) days after Distribution sheet is posted.
7. You may also have other rights and defenses, or ways of getting your home back, if you act
immediately after the sale.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE
LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
Lawyer Referral Service
Cumberland County Bar Association
32 S. Bedford Street
Carlisle, PA 17013
(717) 249-3166
(800) 990-9 I 08
ALL THAT CERTAIN lot of land situate in the South Middleton Township, Cumberland
County, Pennsylvania, bounded and described as follows:
BEGINNING at an iron pin on the Southern right of way of Township Road No. 475 (West Pine
Street) being the Northwest corner of Lot No.3; thence along Lot No. 2 South 09 degrees 23
minutes East 404.52 feet to an iron pin; thence along Lot No.7 North 87 degrees 10 minutes East
70.00 feet to an iron pin; thence along Lot No.4 North 02 degrees 18 minutes 50 seconds West
385.28 feet to an iron pin; thence along the Southern right of way of Township Road 475 North
68 degrees 25 minutes West 63.47 feet to an iron pin; thence along the same North 83 degrees 18
minutes 40 seconds West 62.53 feet to the place of beginning.
Being Lot Number 3 according to a Subdivision Plan for John C. Maurice in South Middleton
Township, Cumberland County, Pennsylvania, prepared by Thomas A. Neff, R.S. on January 5,
1977 and recorded in the Office of the Recorder of Deeds in and for Cumberland County.
Containing .837 acres.
Being Parcel No. 40-32-2332-026
Being known as 707 W. Pine Street, Mount Holly Springs, P A 17065
-,.;
I
\
--
-
, ...
PLUESE, BECKER & SALTZMAN, LLC
By: Rob Saltzman, Esquire
AttorneyLD. #53957
20000 Horizon Way, Suite 900
Mount Laurel, NJ 08054
Phone: 856-813-1700
Attorney for Plaintiff
Citibank, N.A. ast Trustee under the
Pooling and Servicing Agreement Dated
as of November 30,2001, Series 2001-1
Plaintiff,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
v.
Docket #05-4553
Tony 1.. Keller, Sr.
Joann Ward
Defendant
NOTWF OF SHERIFF'S SAT F OF REAr FSTATF
TO: Joann Ward
707 W. Pine Street
Mount Holly Springs, P A 17065
Your house at 707 W. Pine Street, Mount Holly Springs, P A 17065, is scheduled to be sold
by the Cumberland County Sheriffs Department to enforce the court judgment of $134,262.95
obtained by Citibank, N.A. ast Trustee under the Pooling and Servicing Agreement Dated as of
November 30, 2001, Series 2001-1 against you. The Sheriffs Sale will be conducted on March 8,
2006, at 10:00 A.M., at the Cumberland County Courthouse, One Courthouse Square, Carlisle, P A
17013-3387 or, in the alternative, at a location to be determined by the Cumberland County
Sheriff s Department.
NOTICE OF OWNER'S RIGHTS
yon MAY HF ART F TO PRFVFNT THTS SHERIFF'S SAT F
To prevent this Sheriffs Sale, you must take immediate action:
I. The sale will be cancelled if you pay to Plaintiff Mortgagee the back payments, late
charges, costs and reasonable attorneys Fees due. To find out how much you must pay,
you may call Rob Saltzman, Esquire at (215) 546-3205.
2. You may be able to stop the sale by filing a petition asking the Court to strike or open the
Judgment, if the judgment was improperly entered. You may also ask the Court to
postpone the sale for good cause.
3. You may also be able to stop the sale through other legal proceedings.
. ....
You may need an attorney to assert your rights. The sooner you contact one, the more
chance you will have of stopping the sale. (See notice below on how to obtain an attorney.)
yon MAY STTTT HF AHTF TO SAVF VOUR PROPFRTV AND VOlT HAVF OTHFR
RIGHTS FVFN IF THF SHFRIFF'S SAT F OOFS TAKF PT ArF
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 Rob Saltzman, Esquire at (215) 546-3205, or by calling the
Cumberland County Sheriffs Department at (717) 240-6390
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 ifthe buyer pays the Sheriff the full amount due in the sale.
To find out if this has happened, you may call Rob Saltzman, Esquire at (215) 546-3205, or by
calling the Sheriffs office at (717) 240-6390.
4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of
the property as ifthe sale never happened.
5. You have the right to remain in the property until the full amount due is paid to the Sheriff
and the Sheriff gives a deed to the buyer. At this 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 Cumberland County Sheriff on or
about thirty (30) days from the date of the Sheriffs Sale. This schedule will state who will be
receiving that money. The money will be paid out in accordance with this schedule unless
exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten
(10) days after Distribution sheet is posted.
7. You may also have other rights and defenses, or ways of getting your home back, if you act
immediately after the sale.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE
LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
Lawyer Referral Service
Cumberland County Bar Association
32 S. Bedford Street
Carlisle, PA 17013
(717) 249-3166
(800) 990-9108
ALL THAT CERTAIN lot of land situate in the South Middleton Township, Cumberland
County, Pennsylvania, bounded and described as follows:
BEGI1\<'NING at an iron pin on the Southern right of way of Township Road No. 475 (West Pine
Street) being the Northwest corner of Lot No.3; thence along Lot No.2 South 09 degrees 23
minutes East 404.52 feet to an iron pin; thence along Lot No.7 North 87 degrees 10 minutes East
70.00 feet to an iron pin; thence along Lot No.4 North 02 degrees 18 minutes 50 seconds West
385.28 feet (0 an iron pin; thence along the Southern right of way of Township Road 475 North
68 degrees 25 minutes West 63.47 feet to an iron pin; thence along the same North 83 degrees 18
minutes 40 seconds West 62.53 feet to the place of beginning.
Being Lot Number 3 according (0 a Subdivision Plan for John C. Maurice in South Middleton
Township, Cumberland County, Pennsylvania, prepared by Thomas A. Neff, R.S. on January 5,
1977 and recorded in the Office of the Recorder of Deeds in and for Cumberland County.
Containing .837 acres.
Being Parcel No. 40-32-2332-026
Being known as 707 W. Pine Street, Mount Holly Springs, P A 17065
,-
PLUESE, BECKER & SALTZMAN, LLC
Attorneys At Law
Rob Saltzman, Esquire / LD. No. 53957
20000 Horizon Way Suite 900
Mt Laurel, New Jersey 08054
(856) 813-1700
Attorney for Plaintiff
CITIBANK, N.A. AS TRUSTEE UNDER
THE POOLING AND SERVICING
AGREEMENT DATED AS OF
NOVEMBER 30, 2001, SERIES 2001-1
Plaintiff,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
v.
Docket #05-4553
TONY 1.. KELLER, SR.
JOANN WARD
Defendant
AFFIDAVIT PURSUANT TO Pa R.c.P. 3129.2
Joseph Giuliano, of full age, being duly sworn, deposes and states the following:
I. I am a Legal Assistant with the firm of Pluese, Becker & Saltzman, LLC, local
counsel to the Plaintiff in the above-referenced mortgage foreclosure action. I make this
Certification predicated upon personal knowledge, matters of record and documents
maintained in our firm's file.
2. Diligent efforts have been made to identify all persons/entities holding mortgages,
judgments, liens, or other interest in the subject premises of the foreclosure proceeding.
The efforts made include, but are not limited to a review of the Court dockets and those
interests or encumbrances disclosed by the records of the Recorder of Deeds Office in the
County wherein the subject property is located. Due to circumstances beyond Plaintiffs
control, such land records are accurate and report liens or interests recorded through the
applicable "cover" or "board" date only, and it is not possible to ascertain the identity of
any subordinate lienors whose interests have been recorded after the said cover date.
3. All persons/entities holding mortgages, judgments, liens or other interest in the
subject premises, and as limited by the circumstances hereinbefore described, have been
provided Notice(s) of Sheriffs Sale. See Exhibit "A", Notice of Sheriffs Sale.
4. The Notice(s) of Sheriffs Sale herein was (were) duly served upon the recipients
in accordance with Pennsylvania Rule of Civil Procedure 3129 and/or pursuant to an
Order for Alternate Service by posting the subject property and as otherwise stated in the
annexed Affidavit of Service. See Proof(s) of Mailing and/or Order and/or Affidavit(s) of
Service annexed, collectively marked Exhibit "B."
I hereby declare that the foregoing statements are true and correct to the best of my
knowledge, information and belief. I am aware that if the foregoing statements are
willfully false, I am subject to punishment.
Respectfully Submitted,
Pluese, Becker & Saltzman, LLC
~ ~) .
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By. '~.r17~, ./ ~
J9sep GJUhano
Date: February 27, 2006
j
Sworn to and Subscribed before
me this).. C day
of f..0c 2006
,
"-- ...---\.. .Rl> \~ L~.~.~..x,--"
Notary Public
DIANNE flllLLON
NOTARY PUBLIC OF NEW JERSEY"
'MY COMMISSION EXPIRES SEPT. 2,_
10 # 21269"
EX H \ B rr "X'
PLUESE, BECKER & SALTZMAN, LLC
Attorneys at Law
ROR SALTZMAN.
J~ Salun l.J.n::4:ph;;1D."".llrg
20000 HORJZON WAY
SUITE 900
MT LA\'REL. NEW JERSEY 08054-4] 18
(856)81]-1700
FACSIMILE (856) 81 J.I720
OF COUNSEL;
Katz, Fttin & Levine. PC
SANFORD J. BECKER
Sllu.:.ktl@Ph.\!a.~
The Law Offices of Barbara A. Fein, P,C .
ROBERT T. PLUESE
PENNSYLVANIA OFFICE;
425 COMMERCE DRIVE, SUITE 100
FORT WASH1NGTON, PA 19034
(2]5)546-3205
. PA and NJ Bars
l(Plllf'''f'!{;~rh,lllw rug
ROBERT F. THOMAS.
J{ IjHJma.~0;{~pbsljlw .org
Please reply to:
Mt. Laurel, New Jersey
NOTICE OF CUMBERLAND COUNTY SHERIFF'S SALE
To: All Interested Parties, identified in the Annexed Affidavit
Re: Citibank, N.A. ast Trustee under the Pooling and Servicing
Agreement Dated as of November 30, 2001, Series 2001-1
v. Tony L. Keller, Sr. and Joann Ward
Docket No. 05-4553
Property: 707 W. Pine Street, Mount Holly Springs, P A 17065
Please be advised that the above-referenced property (and any improvements thereon) is scheduled
to be sold by the Cumberland County Sheriffs Department on March fl, 2006, at 10:00 A.M at the
Cumberland County Courthouse, One Courthouse Square, Carlisle, P A 17013-3387. This sale is
scheduled pursuant to a Final Judgment in Mortgage Foreclosure entered in the amount of
$134,262.95 in the Court of Common Pleas for Cumberland County.
Our records indicate that you may have an interest in or judgment encumbering the mortgaged
property which may be extinguished (removed) by the sale. You may wish to attend the sale or
otherwise act to protect your interests.
A schedule of distribution will be filed by the Sheriff on a date specified by the Sheriff not later
than thirty (30) days after the sale. Distribution will be made in accordance with the schedule unless
exceptions are filed thereto within ten (10) days after the filing of the schedule. You may call the
Cumberland County Sheriffs Department at (717) 240-6390 for the date on which the distribution
schedule will be posted.
Sincerely,
By: ROB SALTZMAN
Rob Saltzman, Esquire
Attorney for Plaintiff
EXHIBIT "8""
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Pluese, Becker & Saltzman, LLC.
BY: Rob Saltzman, Esquire
PA Attorney Id. No. 53957
20000 Horizon Way, Suite 900
Mount Laurel, NJ 08054-4318
Phone: 856-813-1700
Fax: 856-813-1720
Email: rsaltzman@obslaw.org
Attorneys for Plaintiff/Movant
File No.78283
ClTlBANK, N.A. AS TRUSTEE UNDER
THE POOLING AND SERVICING
AGREEMENT DATED AS OF
NOVEMBER 30, 2001, SERIES 2001-1
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
No. 05-4553
Plaintiff,
v.
TONY L. KELLER, SR.
JOANN WARD
Defendants
MOTION TO REFORM AND CONFORM FORECLOSURE PLEADINGS
and
DIRECT SHERIFF TO ISSUE CORRECTED DEED
AND NOW, comes the Movant, Bank of Citibank, N.A. as Trustee under the Pooling and
Servicing Agreement Dated as of November 30,2001, Series 2001-1 ("Plaintiff," "Movant," or
the "Mortgagee"), by and through counsel, Pluese, Becker & Saltzman, LLC, Rob Saltzman,
Esq., appearing, and respectfully requests that this Honorable Court direct the Sheriff to create a
corrected Sheriffs Deed, and in support thereof pleads the following:
.
"
I. The PlaintiffIMovantlMortgagee, is the holderlservicer of the subject Note and
Mortgage (the "Mortgage") described in the Complaint herein, which Mortgage encumbers
property (the "Property") located at 707 W. Pine Street, Mount Holly Springs, PA 17065. See
Complaint and Mortgage annexed, collectively marked Exhibit "A."
2. Preparatory to the institution of the above-captioned mortgage foreclosure action (the
"Foreclosure"), a title search was commissioned and a title report (the "Title Report") was
rendered by a third-party vendor having no connection to Movant or Movant's counsel. See
Exhibit "B," Title Report.
3. The said Title Report contained an error (the "Error"), in that the Legal Description
of the Property in the Title Report misrepresented the metes and bounds description by including
twenty (20) feet not originally contained in the metes and bounds description identified on either
the Deed by which the Defendants acquired the Property or the Mortgage. Consistent with
generally accepted procedures in foreclosure practice, the Legal Description contained in the
Title Report was also annexed to the Complaint. The rationale for this procedure is that
typographical errors are thereby minimized and consistency of all pleadings is ensured, in
recognition of the fact that mistakes by reputable title agencies are infrequent. However, this
case represents the exceptional circumstance in which the Title Report contained the Error
previously described. It appears that the Error resulted from simple mistake or human error by
the local abstractor or a clerk in the office of the title agency that rendered the Title Report. See
Exhibit "8," Title Report.
.,
.
4. The Foreclosure proceeded uneventfully as an uncontested matter through service of
process, entry of Judgment, conduct of Sheriffs Sale. Absent competitive bidding or any
expressions of interest in the Property, the Property was struck off to the Mortgagee for costs on
their Writ and the Sheriffs Deed was delivered. The Defendant/Mortgagor did not contact this
office during the pendency of the Foreclosure and, upon information and belief, has vacated the
Property and has otherwise manifested only disinterest in the Property. No potentially interested
persons or parties contacted this office during the pendency of the Foreclosure.
5. The Error was discovered after instructions were sent to the Sheriff s Office to
prepare the Sheriff s Deed.
6. The Mortgagee respectfully submits that no party, person or entity other than the
Mortgagee was prejudiced by the unfortunate circumstance that the legal description utilized at
the time of Sale contained the Error. No party, person or entity was confused regarding the
Property encumbered by the Mortgage or the extent of the interest to be conveyed at Sheriff s
Sale. The Mortgagee respectfully submits that an equitable resolution to the problem created by
the Error is the reformation of the pleadings, nunc pro tunc and issuance of a Corrected Sheriff s
Deed, incorporating the Corrected Legal Description.
.
WHEREFORE, the Plaintiff/Mortgagee/Movant respectfully requests entry of an Order
conforming the Foreclosure pleadings herein and directing the Sheriff to issue a Corrected
Sheriffs Deed, to accurately reflect the Legal Description of the Property.
Respectfully Submitted,
Pluese, Becker & Saltzman, LLC
B~
Rob
/ktl " or the Mortgagee
/ //P/
( v
.
.,
VERIFICATION
Rob Saltzman, Esquire., hereby states that he is the Attorney for the Plaintiff in this
action, that he is authorized to make this Affidavit, and that the statements made in the foregoing
Motion are true and correct to the best of his knowledge, information and belief.
The undersigned understands that this statement herein is made subject to the penalties of
18 Pa. C.S.A. Section 4904 relating to unsworn falsification to authorities.
Dated: 3~o)1J~
Pluese, Becker & Saltzman, LLC
By.
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Rgh; / an, Esquire
/
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.
Pluese, Becker &. Saltzman, LLC
Rob SJIIZman, !'sqUire
Attorney Jdenl1flC81101l No.' 53957
20000 Homon Way, SIC 900
Ml. LJurcL NJ 08054
(856) 813-1700
Attorneys for Plallltlff
7 ~;363
CITIBANK, NA AS TRUSTEE UNDER
THE POOUNG AND SERV1CING
AGREEMENT DA TED AS OF
NOVEMBER 30, 200], SERIES 2001-1
1100 Corporate Center Drive
Raleigh, NC 27607
Plaintiff,
v.
TO}.;'Y L KELLER, Sf. and
JOANN WARD
Defendants.
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
os
C;u~l~SL"'J
- c4f:SJ
CIVIL ACTION
COMPLAINT IN MORTGAGE FORECLOSURE
r\onn:
MHIClA
YOU HAVE BEEN SUEIl I)\,' COURT IF YOU \\1511 TO DEFEND AGMNSlll-lE
CLAIMS SET FORTH N THE FOLLOWING PAGES, YOU MUST TAKE ACTION
\\'lTH1N TWEJ\TY (2(1) DA VS AFT ER TllJS COMPLAINT AND NonCE ARE
SERVED. BY ENTFRJN(, ,A ""lUTTEN APPEARANCE PERSQ1\ALL Y OR B'{
.-\TTORNEY AND fJU~GTllE WRJHNG WITH THECOL'Rl YOUR DEFENSES OR
Oll1TCfJO.\'S TO TW, CLMMS S1- T FORTH AGAfNST VOU YOU ARE WARNED
THAT If VOU FAIL TO DO so IHL C.'1SE ~1A Y P1WCEED WITHOUT YOU AND A
Jl'DGMENT M." Y BE ENTFRED A,(jAINS'T YOU BY THE COURT 'NlTI1OUT
FURTHER NonCE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOFl
A'IY OTHER CLAIM OR REUEF REQUESTED BY THE PlAlNTlFF YOU MAY
LOSE MO?'-TY OR PROPERTY OR OTHER RJGllTS J.'vlPORTA~T 1 0 YOU
YOU SHOlTLD TAKE THIS PAPER TO YOt:R LA IV")'ER.... T ONCE IF YOl' DO NOT
HAVE A LAIVYER OR CANl"OT AFFORD ONE, GOT TO OR TELEPHONE THE
OFfiCE sn FORTH BELOW TO FIND OUT \lffiERE )'01...1 CAN GEl UGAL HELP
nrMBERL.-'\,\;D COUNTY BAR ASSOClAlJON
2 Liben\'AHlIu~
(~II'SIe, fA liOl3
11800990-9]08
LE II"';\' DE"-1AI"DADOA lISHD EN LA CORTE 51 I!STEDQCIERE DEFENDERSE
DE EST AS DEMAl\'IJAS EXl'lJESJ.'\S [:-.J LAS PAGfl\;..\S SIGUIENTES, USH.D
TlfNE (20) D!AS DE PLAZa A PARTIR DE LA f1THA OF. LA DEMANDA Y LA
"OTlFlC....C10N \ ",lED DEBE PRISENT Ak UNA APARlfNCLA ESCRITA 0 EN
PERSONA 0 I'OR ABO(jADO Y ARCI-lI\'AH EN LA CORTE SUS DEfENS,-'\S 0 SLS
OBlECIONES A tAS OEMA"DAS ENCONTRA DE SU PERSONA SEA AVL~AD(J
QUE 51 l'STFn NO SE OEFIENDF-, LA CORTE TOMAR.", J.tEDIDAS Y }TEDf
fNTRAR UNA Ollf)[N CONTRA USTED SIN PREVIa AVISO 0 NOTIFr(AClUN 0
POR CUALOILR QUEJA 0 ALlVJI) Ql~E ESPEDIDO EN LA PETICIO)\,' DE
DEMAN!),' L'STED PL'ELlE PERDFR DrNERO SUS PROP1EDADES OOTROS
DLRE(\IOS 1~'lPOln ANTES PARA eSTEr> '
LLEVE ESTA DEMAND.... A UN AllOGADO IMMEDIATAMENTE 5J NO IlENE
ABOGAOO 0 SI NU TlENE FL DrNERO S'--IF\CIEN1f:PAR/I P AGAR TAL SERV1ClD
VA YA El\' PERSONA 0 LLA~1E POR TELEFONllA LA OFlCINA CUYA DJRECClON
Sf ENCCENTRA ESCRJT A ABAJO PARA A VERJGUAR Dor-mE USTED PUEDE
CONSEGUJR ASI5TE:"<'CIA LHiAL
CUMBERLAND COIINTY flAR ASSOCIATION
2 Libenv A"~nu~
Carlisle_?A non
]/H(II)-'190-9]()8
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CIVIL ACTION .. COMPLAINT IN MORTGAGE FORECLOSURE
] . Plaintiff is:
Citibank, N.A. as Trustee Under the Pooling and Servicing Agreement dated as or
\lovember 30,200], Series 200].1
] ] 00 Corporate Center Drive
Raleigh, NC 27607
2. Plaintirfis, or will be, the owner oflegal title to the mOJ1gage that is the subject of
this action, and nominee for the entity indicated below, which is the owner of the entire beneficial
interest in the mortgage:
First Union National Bank of Delaware
One Rodney Square, 926 King Street
Wilmington, DE 1980]
3.
(a)
Defendants, Tony L Keller, Sf. and Joann Ward, are individuals whose last
known address is 707 West Pine Street, Me Holly Springs, PA 17065.
(b) Defendants, Tony L Keller, Sf. and Joann Ward, hold an interest in the
subject property as mortgagors and record owners.
(c) If any ofthe above named Defendants are deceased, this action shall proceed
against the deceased Defendant's heirs, assigns, successors, administrators, personal representatives
and/or executors through their estate whether the estate is probated.
4.
(a)
The residential mortgage being foreclosed encumbers property located at 707
West Pine Street, Mt Holly Springs pA 17065, County ofCumber]and, Pennsylvania.
(b) All documents evidencing the residential mortgage have been recorded in the
Recorder of Deeds' Office in Cumberland County, Pennsylvania.
~
"
(c) On August 14, 2000, the defendant (s) / mortgagor(s) made, executed and
delivered a mortgage (the "Mortgage") upon the premises hereinafter described to First Union
National Bank ofDe]aware which mortgage is recorded in the Office of the Recorder of Cumberland
County, on August 15,2000, in Mortgage Book Volume] 632, page 725. Plaintiffis now the legal
holder of the mortgage and is in the process of fonnalizing an assignment of same.
(d) The legal description for the property is attached hereto and incorporated
herein as Exhibit "A" (Legal Description) .
(e) Pursuant toPa. R.C.P. ] ]47(I)and 1019(g) Plaintiffis not obliged to append
copies of the above mentioned publicly recorded documents to this mortgage foreclosure action.
These documents arc, however, appended hereto and incorporated herein by reference as Exhibit
"B", Mortgage.
(1) The Combined Notice has been sent to the Defendant(s) by regular and
certified mail as required by 35 P.S. ~ I 680.403c on the date(s) set forth in the true and correct copy
of such notice(s) attached hereto as Exhibit "C".
5. The mortgage is in default because the Defendants, Tony L. Keller, Sr. and Joann
Ward, failed to timely tender the monthly payment of$],2] 7.45 due May 14,2005, and thereafter
failed to make the monthly payments.
6. As authorized under the mortgage instrument, the loan obligation has been
aecelerated.
"
"
7. Plaintiff seeks entry of judgment in rem on the following sums:
(a)
Principal balance of m0l1gagc
due and owing
$116,427.52
(b) Interest due and owing at the $5,283.05
rate of 1 ] .85%
calculated from the default
date above stated through
August 31, 2005
Interest will continue to
accme at the per diem rate of
$38.23 through the date
on which judgment in rem is
entered in Plaintiffs favor.
(c) Corporate Advance ~12()()4
(d) Attorneys' fees $] ,2S0()O
( e) Accrued Late Charges $281.33
(g) Title Search $300.00
(h) Escrow Advance $6,974.66
(i) Corporate Advance $129.68
(j) NSF Charges $1500
(k) Suspense Balance -$]04.23
TOTAL IN REM JUDGMENT SOUGHT BY PLAINTIFF
$130,677.05
8. The attorneys' fees set forth above are in confonnity with the Mortgage documents
and Pennsylvania Law, and will be collected in the event ofa third party purchaser at Sheriffs Sale.
If the Mortgage is reinstated or satisfied prior to the Sale, reasonable attomeys' fees will be charged.
.
WHEREFORE, the Plaintiff demands:
Entry of Judh'111ent in rem against the Defendants
above named in the total amount of $130,677.05 as stated at Paragraph 6,
plus all additional interest and late charges accruing through date of judgment
entry; and
Foreclosure and Sheriffs Sale of the subject mortgaged property.
Pluese, Becker & Saltzman, LLC
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, Illhe Credllor" ho" IIdllleJ J\ Plalntlff!n Ihe JIIJcheu ~ollce 10 I'lc:!rl Jnu ('nmrl,ll1llls nnllhc
Oi!~lllt1.! ucJl\t)r Jnd;( Ihe DdJ!ol !nJkC's \VIlltl"n Jequcq In Ihr: \:cdI1nj'c: i?',v (jl'rl \\]1h',1l ~\Lcr!,;
(]!j) UJ'r'S }rlJlll Ihe rectl!,1 of II1IS !':OIICe, ILc name JI1U dddless of Ine Illlglndl CrcJllor I<r/I be
I1J,j,kd 10 rhe Deblor hy Ihe (,CUIIOr'S IJ" 111m
(J \\'IJlIClllcqLlesl shoLlld be ddJlcsseJ 10 PIIIESE, Decker ~ S"iILnl.ln, LLC 2000U Hal 1),011 IV"",
SlIlle ~0i1, 1'.11 LJlIiel, ,>,J) 05054 AIICI111C'11 Rob Sdllillllln, [SqIIlIC
VERIFICATION
1,
-,,;/ / ' }
/"v-. .--</ ;<'/<-".'7'"
. . ,
corporation' within
as the representative of the
Plaintiff
named
do hereby verify that I am
authorized to and do make this verification on behalf of the
Plaintiff corporation and the facts set forth In the foregoing
Complaint are true and correct to the best of my knowledge,
information and belief. I understand that false statements therein
are made subject to the penalties of 18 Pa. C.S. 4904 relating to
///
r----
, ""'--"",
,// //~
, /
//
( ,
,;
unsworn falsification to authorities.
Date: Jk:3 3), ;;roD)
Current Ch~ncr Sc;::!-ch
l):l~~e 3 0f.~
DESCRlI'TIO'"
/\l_L Tf-IA T CERTAIN lot of land sItuale III South I\1idd1c:on Tcwnsll1p: CumlKIland C(lU1l1y.
PCllJlsylvanJa. bowlded and described as follows:
BEGl;\!\Jlj\;G at an Iron pm 011 tJle Southcm ngJ1t of \l,:JY of T0wnshlp Road :~o. 475 (\Vest Pine Stn:el)
beIng tile :\lOJ1hwest corner of Lot "0,:0. 3; thence (ljong Lot \10. 2 South 09 degrees 23 mmutes EaS!
40.1.52 feet to an m:m pm: thence alor~g Lot ~o. '7 NClr1h 87 degrees 10 lT1mutc5. East 70.00 feet to an Hon
pm; Ihence alol1g Lol No.4 N0l1h 02 degree, ] 8 111111UI(S cO seC0l1ds West 185 28 fccl 10 an ITOn pill:
thence along the Soutl1em flglit of v.'n)' of Township Road 475 NOliJ) 68 clcgrres 2S mlTIutes \Vesl 63.47
feet to an lroll pm; thence along the same N0I11183 degrees 18 mlnutes.:10 scco',lds \'v'est 62.53 feet \0 Ule
Place of Begmnlllg.
BEI'0iG I,ot Number 3 according to a Subdiv15JOn Plan [or John c. .Mauflcc m SOUIll Middleton
TownslllP, Cumberland County, PennsyJvarua, prepared by Thomas /\. Neff. R.S en JaJJuary 5, J 977. and
recorded in tJ1C Office ofllle Recorder of Decds JJl and for CumberJ.:l11d County.
CONTA[1\JNG .837 acres.
fieIng Parcel No. 40-32-2332-026
Pv ld/Vt A'
jl)-/,a' ~iZ4~
5'5- J
1';(:[ "'... ;:Y..~l.[;'\
n[r!);,:'~_::..f L'CEDS
LJHBEr.U,li; c:)u~n'(.F'^
P"'lllrwlSV:
"1~tLlnlc"WortJo,,.I(3.aflkafp.J......~
CIO::I'~cllC..,rQf
ftlAO RUlalen OrlVI
~"I\. c.
Cluoolrt, ~'C 2UU~1l11
k~n1Jr1llJtI'l1b.r:~U oOo5'71,~
f,,"mTo' '00 AcrG 15 p~ 3 18
In<l Un.IQ:l\ N.uo.-...l 0....' 01 0.1__
IQ5.MUl c....or
14.0 Il.-.....,,;hDl'1n
~,NC1l!Z~&..Q1I'7
r"'1::.1"'I.Untl.,-;!f~-.aJG.
MORTGAGE
THIS IJDA'T'G,l,Q1! 1:1 ':\IOe.IN~ <In) AL'QVri 1.t, 2~!I, p"-en tOO 1h:ll111ll'iJ.Y, T'O/olY L- KEU...ER 5Fl.,
lint ~..w." ~"l#rJ:(t:l, . \~n.\n ~r;, (1M j"- >>otI~Oe5, Flr:r.1 \.lllk>n ~ 81nl or
O..J.......... . ~llcl\e:J IJ,8nKlnc n~"~lIcn Clilllllnod .I):llodldnll \,IMef ~ iroI'3 cfthrll.:"llI.(1 GU.lu or
AmllIlCll, ...ooXl .0G'Te'" ~ CIII RoCTlIY r.qUlf"oI, 111l(ttog mr.ct, W1h1lhOmn, DE 1~ (!'Ianln
.~rdt.rj, .
~EREAS, BDITtl\<08r I) IndBbhlli te LIr~tr In tt1f: p1'ldPfI tlJ'1" Gl u.S. 1111.100..00, IIOhal
Imeb!Jdnn~ ~ ~eru(! b~ ~t'.11 1-1.(1\5 1!1l1~ ~D\l&\ u, ulle l~ ~'mloT\':IICTl& mDoIbtJorn.
Ind ry'liJ'.'41! II....... ot r--rel~ 'N;:Jl1l. pI\Mlling IUr mont~r IIllUUmorrb 0' ~nd~IInCllnt.rl.a, will, 1:->.
t:.I,f"\OIl O( rll1/ll::t!l.IYIeILl,lr MIl ~r.er ~IQ.GJ~'OO plIr~ 0(1 AUQu.' '-' In:lO.
T05ECURE III L8"O.rlt'~"'PIl\IITI~~ oJ It>> l"ldo~~UllNldllrcoo flVtNl NC'lI.wlltlhloroJ.ltl'llreon:
li)~ ~:.rmHl\ 01111 c;thlll' ~rnr;. 'lJm Im'ntQ Ihe"~~;JIiwn:-...d lr, .1;CC,rrt",ra t'lefYwlh tt. prcl.Dd.lt"->
a;l.lll\y p!lhl.1 Monll~: .l'~ mil pIJflolJT\llrQ 0' 1M;'tc....f'Ilru Imd U~1llU r.r ~r t.n....
~.ln'rl, 8olrOMlr ~(Jll' hUl'lIbv ~I/." IJ1If~ al"d'f!"l.(ty 10 LAMar tMll tJnil"f'M\I ~f';l/bld ~~:My
lo;.llod In Ill! COtJrll) 01 CU~JR!;:RLAND. Slll18 Of P-ii'm~;"'rlla;
~eE"TI""~ECS~E.DUlE"
'o!t1lCh tlr:IlM 'OOr.uol rG1WEST PINE STIl:ErT, 'fUNT HOL.LY SPRJNGII, PA 17trUund
p~'Ul1 Nf). ___ (I'rortlll'l'Propott')' "M~"""J:
10GElHER wl~ all Olll Impro\lBffillontt no~rh.clrllll'fter cmc;a,d ol"'l th.
pro~. Ilnd C11111u"mllnr::a, fiChU', !IppU nam:.. Il1d tllnU III or WhIch thllll
bll cllllmed to be and r8!Tl8ln 1I plft of 111. port'; COY1l'OO by thl. I.lortgal:W
IInd alt 01 'ltl1:l1ongo\ng, tnglltherwith sa) propll"Y (or ~ lsall.!lhold u1&~ I,
this ~ottgllQlll' on II rUMhold) Ira hll11l1.tmr /'tIrcr,..Q' to IHJ 1:t111 "Propbrty."
Any R1duj-rodlr'j IlDcr.-l r..fY[D IJllI n.wtld'of ....'11 dm If It'Il:llrporlltld MfIlTl ,lid tr'l_
co~llru"t .,,:1 I;QA".lrlt' lJ' Ih. F:llw lhan .~'iYl lnd I-UppillT1l1lt h l:f!\I'lUJllll 111'111
-""'rll,nt't'f1hJ,J.Ltll1.1:I1C"UJfl1\'Rld.r-.w",p.rth.r-cr,
DomrwRral""nlr1t4 !hlt Bom:wer III t.wl'LlI)'.alnd~'" lI;ulD l'!lt'all)' C:'l~ 'n~ hlI~ 'M rtel'!ID
rTIOnQ&\I". Q'1Int m:l Wl....,y t/'\cl Pfoperty, ,nd tt;! till ProP5ny II \lf1:l0~!le1lla. 8.KCDpl tor
OIlGUf1b"tI'l~' o'r('Jl::ol'tL BomJ~r QOloQnar1'~ltmtBorfP_r -..rlll.!U jI!ldwWCc,,"nd ~rlllMln)'tNllu.'
'0 1110 Pmpe>fl)' f49JlI">m M ~l8Im, 800 do~mjp. !llJbJ~d J~ tlf'O..llTltlr. rQJ gl /lI'tIltd,
g""~~IOI
~ll!I'~~"""'g[1l...OO,7~
"'~,
l.......,.~..-;\~~rl&l
,,,.1632 "et ?725
&~LV)VL'IO'
n. _,,,,_,,,"._......;
,"-,...~..' ..~..""._,,"..',-,j.-..'
--..
U~IFORM CJV!::}.1AN'T&' Bofl!)wEI 'f1~ L\lIJd~r c.c~rf1j 'f10 .'I1l~ ~,I~nU'YO:';
,. P~rn tlf Pt1!)Clp&l .IJTC/ Int,wUL &rrewtr -.,l1i1U ~ru."-:ply pa~ ....t,lin (lUll 1110 pH,.~~ .na
Irte~llll\i2lIlt.d",,:La. ,Y'l:;ItIncad h~I"" rlrU. TrJIl.AcIJ'Il~' &e~" ....)""'"I1"Il or ~'< ~11! .<r",,~ t>
U51&rl'\'l&,wnlc1141IOlI-l~rt:vf1rl~d ne.-.ln b~ 1OIf1~..
:. Prior Mortnlgu wid D.....u III Tr\lrt; CtlirV_; U..,., Borra.,."" y,.,r p.~rt=lrrr, ali QI 3orr~1J
otilQaMI'\&. LI1ao:.n~ mcTI~~, d~8Cl pllrulll()( Dlh8~ ~.11~' Dg~flloa!'1-...1,]I, a Iltn -,..hJ~ ~u p.1ortty
o\?rlhlaMMglO'J l~...-.lnQ eDlnh.~(ltn\lIlrllOrul.lll!'Ull' pQ~rb wt-Kl" m~ Bon'Qw:lrwll ply ~f
~l.tU to br6 pilld an \MJlB, "VU..I1'~ 11'1I1 011'061 ~l'u'~~!l, nnu aM lmp:l~n' t1!l1f::o.Aabl, ID Ihe
Pmpclil)'\otIlcn may win I pr1MIlI'CN1lrrNa.~ongeQl,larc lU.llll1~d p'ytIM15 ry ~1.II1d fllnt~,I! ,II~
t t"UUU In.IlI.lI1lMl:f. II) !!lOrl'O...., IJ'iIlI kflD,lI mil .mF~o"I-o.~..:Jw Q(LQ.lhQ of t>Qf1l_ftJor 'I'1lCl.bCl 011
Il'lD PrtlplJrly 1J'\~a 't/ldnlltlCi Ur nl"ll.l-.a2Ird.Jrc.Ju~...a ~l1n tl1Q 1~r>1l "....i/ll...,~.(l Cl:I...r;~ll", snd an.
olllllrhuJll'1~l,jI'J::lLlclMJnoodi.tTWtlllC,Ioi~~fn'lQulr9llfU1SjlI\Ul.TllIl:Ill1!1.1r11f'lCl!1ahglt..
m41nJ1nr1lIlllhDlll'flOI-I"Bllndforlhlpill1od.111lIltLa$'Jllo(jI.li'llITlliI11QR1l/)rlt.lf'JiBorprtlvldlro;lltl]
In~l1Irc.ll IINfI be l:~"n b~ Bo~1 SJb,IIClltl l.. lillI', IPsYV....1 ~Idl _hel nt;l bI: ~1'llOa:;Mtl'Y
..Jr.r.~. 1I Bor'lOooo'Rr. w mo:ln\Dl~ l%I\tlirI'ilQl6&Jcf, 0 /ilbl)....., Lund.. ...~, .1l.l"l:Jer'$ apIJon, cbtnh
CXl\oQll"lQI310 r:wotlll:t 11lr.d1l(' r\1'llln(h'Propan:~ In I rdill"Cll wit, pI~o;11Iflll ~
III ,I.~ 1rJ~NI/:II poll:llil' end rGno-o"'1 ~t bI' 1~,tOb'. Ie Lol'\d~r.n:: ~~m Ir.::lud; I :b~~1'Cl
"'~r'lO'ar CIUM_ Llmd.:It\I~ hlhoO:l If'\!t ~gld Ul ~~ the. pclk~$ ~r.:i ItI~!J If Len:;!ur It'"Q;rnl1,
6~J1t>WIlr ,,",ID prn~y D'~ 10 lenOllf ~n I'tIctt~ 0,,,16 preml<J!TI1 Rntll'lin~ ~I;ta, In I'" ,vrJ\
1'1 Ion Eltll'J'tlwl'Jl U\5.lig-r.. p-tIT,!i r:DI.)"",kl1h6\nwra}'lt.e (.1'1'18' 'NUI'<l'f. lJoMl'r!T\ilrm.... .-oM
~no&!IIf)U\~prwnpl}y'~Bol'!'O'"-'lf, 1
ti UnJ_.. ~Nif'l1..nd Bo17oWarothe~lI~ ."culn wrIting. tnlllJrtlrtl:O procel!dl5
.hlll b, I~r.c to "utDntlon or l'lplolr Q~' ""'r,rty dllTllll_ct. If lh'
rnlDmUo/'l C(tIlpe.lr I. ,c;onMIlt;llh'ft. Ie and enB..... teelJnry Is not
l~uaRed. If th~ t'6t.tora.tion or repelr II M ec.o-nam\cl.l1y 1...~.l'lJ LllnO&" 0
MCLlrny would be IIll5SG'nod, th' fn.uranGIQ prnc.aeda t.h.ftIj be flppllltd to tho
,,"" ucu~d b)'thi, Sllcurt~ InlltNll1. ~~"8therornot then due. with cnt
cue.., paid to Borrow." ,t SOfll)wtl' aba done au PtOp4rty at de.. Mt
.n........r wlthln 30 d.~ I notfcll frnm "Ind , that Itlt inlurJ;nCD c.rrl.r h.1
offorod to..ttf. ac1i1m., thcm LAnd.r1f\ll:1 Doct m-lnwl'1In.c:. pmc..dL
ltIndllr n\IIY ~50 the proc..cra to repelr Dr lIlorllll the PIO~rty or to pRy .urn'
aecuroo brUll1 SllclIf'ltY Innllmant whc ,r or 1101 then dUe. Tho JD.dlly
plnod wll bogln whfon lho norlcel, glV'llln,
d) Ecc;opt till pro.ndecl iO.Ubptl.ragnaph 3.(" btilOW, ahol.lld PlIrtJ-1 or Clomplt~
dll8tn1coon or datre~1I OG(;urto tn. PtO~~1 Bo~r l1uaby '''I'M. th.t any
cnd aJllrlm-um6l'\la evldencUTQ In&.llflOln Dend. rwctjwed by t..nd.r....
ruu\1.of 'MIld dlrn.Q.l;ll' dnb'.le"\luT1. shal be pl.t;.d \n 1I non-i"nll...-Jt b..nn~
OIcraw ,cc.ountwlth L,nder, At lend''''1 lll;~n, U1nct.rlflIY nsl"M1BOmtl
or ..1/ of tflll proRll!ld. from u.cl1Jw .tt.r ~trower prttID~~ L.nde:t w1Ul.ll
r&ea pt(~l, InvQtur{'I, wrlttlln e~tlmI.~IlI('\ r ott\..r dCCUrMnl1....'~. apblob\e \0-
L-anaflr ~lth I'1l:ldlll!. to me repair IIndJorl prolilmcnb of till Property
ncc"~lIollfY Bill I rnuB of .,ld dJ!H1)..l.ga &flt:! r datructiDn, Abant lIn flgrfICmll,lt
to tM C()ntrtry, lJlndor 6tJJlI not be rtQUI d 10 pi)' OorroW"lf .oy Inbmtt OR
tho FrtlCeedl hald In tlll .crow l~unL Any lmounttr f1IlT1ollnln; In tho
aceountaftBr all rtPtin Indfor Il1Ip~~~~b 1'1..... been mid. tD the Lander.
~t1.h1cUon, shirl b.appliad to the aum. t'CUtftd by !hI. Dead of Trull. Ooed
-----.
PA"'a1l1J~
ZOII:olIlltom\Qjll....lIi.'.t01
l>oQ":
l"""~..'"".,.,';JS o~.'r'~
"oli632 U"'. 726
'--.
In SeCUfB Debt. or Mcrt9.agc. Barre....,., fu~er ltgtlle.I to C;OOp!lrtl~ with
L8ndllf by er.d'I:)....lng a.lf. ch4ck.s, ~r.n. An oJ'o!:h'" ,,,frtr1lmllln~ evh:lom::lOfJ
InaUrl1J\Cot p\'"OC.bCIis.' inti "nv ncc:eIUry d cumonts. 6houl::l aorro\lr1lr f.ll to
pftl'Wrde eny ~ulfl:ld 13r)dorumO"f IIndlorlUKuUon wllhln Inlrty (3D) dll)"llll1ter
lllnollr INInd. boOll.......r notlc. tIuit Lender h.. rwcllnd In In.trument
.v1donclng In&l.ll"llnel1 proc.&~~) aT dI)C\,lYT\llTltt.~ "-l:QuIJtn; &1TO.....r'.
,jgnltul"D, BolTJlwtr Ml'1lb)' III l1kl rlzn ltt*er W _odor.. uld Inlrrl..mWu1t
"rtd/orcocumont.(11 on BoiNwtB bI1hat1, c:on.Cimd app'y ..10' procellda
at L'mdflr". optlL'.U1, .tthBrlO I"nlo~ao" 0 I"Ipalrol tho PmS or to "\JrnIl
IJacUrJd hy ltillll Dud anN.L Dud to Brl~tt Otb~ or "'0 e. It J. rlDt the
Intl",UDn or Iilllherpa lhM 1f1111' IIl1GrtlW vlllon, ancHor un lit.
."dOrMfl1fml or 8;1IlCr;%on of In IOltrum. ~I) andlOT doeutnGn~'l on bolu.tf of
BoITUW'eT erute .fiduclary Of aglll'1cy l'lII. on,hlp bltwolln Lend.r end
BoP'l"ftWtlr.
.!Unlulll..bodor:md BorrowQr OUH'fWl~l;Irn In "Writing, arrvapollclltion or
proCottdlJ to Pf'lnclpa,I.tJ1I1l notuttmJ or IItpon' tfI. dlle d,l6I o(ltle mnnttlly
plllymant'e ~le~ fa In pAnloraphft 1 an arch.ng. tht amount cflhll
psymerltL !( uf\der pe.~l'a$>h 1& me Pro rty I_ _CQlIlto(! by LIIMIt,
lkl"owor'I rl9ht to any In'u(1lncll pollcllJ entl pn:lCBlldt ,.aLlltlng lrom
domBgl! to tne propor1y prlor to tnfl !K4ul~ljoFl'.haJl p"'lIl1 tzJ L'na.f to the
IIxlont or rhe IUOU 'lll1:..rad boy thl. S.c:u!il' Inat:rum&tlt:.
.. PruI,...tlOll JrrflI:l "',lilrJ~nt. or F'rtlPlrtY. i....ulJokt'l; Con;jgmln.h,llU; Pl&l1l1td Unit
O....""O'l'm.M.a. &~r sJ'wi Ju",!ll~ FQ~'1I.r>~ Illpiloil' tno;!~' TClI t::ommll ~ orPDrml1
Imp.II1mlI!I1' M C&W101'111Jor' ~r tT'IlI P1'Opelt~ ,Il(! et'lIjl ~mp'l"'h. l'- ~lllon~ or ,nt JOa:.: II II\~
l.lol\'~\lQ ID Cln ;0 1o_:MI(lcJd. If INs /.kl~wl~ be oJ . Im~ ~ I ~rJlomlrtl.lllT I)r. P!1f1nP<l r.nIl
OlMllop11.nl e,;,OD\oO'llr Jral p"i'ftltTTl.a 0.1 BM'O_t~,OOU'il'~ \lI"Oer \"- 6!1t.\)l'lIollon or ~'A1lll1.llla
!:f1tJltlng ~~ gO'o'!lrTlng lhl. tonoomr-.:~I't Of ~Ia.n~d lri', ~,...IQP~.rt, I!'ll> by-lrwo fir.: J1>Ilul..~Cl",' or 1/'1')
r.tI(1O:J l'T'/'lI(.J1l or ~lIo'1nod ~'TIll dQ....Ic~rl, arC coru:...41....l1rcUmlIrI).
,
6. Pm,.ttlc~ oIlnd".r'. 8lCuriry. If ~;r:~ 'II p"rbr\"f1 ~ c..'l;.oerwrU .nl."! .~fmllnls
COf1~I'\lld \(', ,tU MM9fg,. o.r IIll"rl)' ,aJofl "'" llchJ III commcnaxl \lllhbrt fTlItDlii.lI~ .fJIlal,
LDrderJ I~un;'llln ~ Pm~r1y, lhell Ler"ld~r, alln. r,3 Q~Joc\. 'J~\'I \'(l\!~ ~ BD"~_r. mlY lTlIlle
:;u~h DPFtDrtnce:, a.~lJ""...o:..xlt ta.liTI5.. iOOu:f),V ~fIlbJo ~"11l1lY" lass, Im\ lIh ,;yc.~ 1I:.;l1O', a:;
IS"&CII~ryto~!&eL.ndllr&)IIlerc.c..
A.llY amounlo dllbure.ed by l""~er PLnUl~ to thllt PDf1IQmp/'l .51 with intBralll:
thlfeDn) at l:I1e Nobl natB, fthlln bDl;Ome ad IUonallnaebbidnulI..t BO:lnowl!Ir
&OCU~lJ b)' lhl. MOl1flttgo.. Un).... 801Tt1 r 'nd Landllr.tOr-.. to otn.r tfIrm.. 01
p01lym.nt. alJch .mounb ..hlllll b. p.apbl. pan r'IOtic.. from Landw to Borr()'tVI(
requG.NJng pllytnMt th.roor. NOlhlng 'en nod In thla pal'J;g'(lph 6.h.11
roqulre LMi:ltr Itllncuranl' a~IlM ortll II lllW 8cdon henlunder.
II. In~"IHII''l. WIder mr)lIT'l'l~, or e:&LJ!llIIO bft mIIFUOn&b~ 11r1r151 upon.nd ...."llIIakm:- gf ~
PW;:eIlV, p:l"-'~--d tl1ll Lenr.;W ~1I ~ SOlTO\l,lOr . pNor III 'fly SUG."I Il3pewm -,~
reUQ!l.Iltl.e QUMltllro1t'rt JlI\lZIlIalg L,n(jo(J /rtaro:Il nll'lr Pw~1y.
7, Comlwnmrlh:ul.. T!'l. P~d5 of II'1)I"..rtl Of! clilm Itr dllrt..~~~ dll'YCl lOr <:Il"~.Q.1JI~~la~. ,__
t:t>,,~t'jbrlw\\I"llfIY lXlllo.lI1~llo~ or emir IIlGna of "I" Pmpelty. Drt-'rt ltafW~, orT:Jr [:tIIlVI'J1IFlOl ~
~u 01 rorllhm~llon"ra /'\tI!'&~ u"'Q...~.M 1ht'lb.I plld III L.rdaf .&IJb,IIC3 10 In. l.rnt. o.Ilny
m~~Il.gc, OIIC~ c, trv::l OtOlr-.a1 :ocurtlv ,QIuOfllbh1...... n..,.,.1\k:1lhu p1MtV~,lH' Jl<.l'Ill'gll.
P,""a1(l.1I/'
~;:':\'~"""C\II.,~,.Q))
...~,
L~l/;I~w;1~ e~U15l1
1,..1532,,,,_ ?Z7
.. I'ttlmTO\i'rt.lo'~.\..IIlICI; fDrbNJa.M. ~ylMlc.. ~l. W.l"'I_. 'll>6 &:.~r llhIlli ~n ,..bl8
Ill. 1\.11 p.ll'""l'nl 1:1' ttle p\"Ie~ arcJ 1'lllrtlllOl'l Ihe Np~ tor Ifl)' tevlf"Pl'TII'fl"I Of" >>tllo.llOIl) 6&~lJll:I'd
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PAJNJ ABSTRACT & LAND TRANSFER
Title In.'iUrance & Real Estate Settlement Services
Servicing Pennsylvania, New Jersey, New York and Delaware
Email: gbarnard@pa-JlJ1title.com
(610) 532-8002 Phone (610)532-8003 Fax
BRlNGDOWN
Completed:
September 29, 2005
Effective Date: September 13, 2005
Our File No:
Client No.:
FC-11l9
PEBS-78283
Premises:
707 West Pine Street. Mount Holly Spnngs, P A 17065
Mount Holly Spnngs, Cumberland County, Pennsylvarua
DESCRIPTION
ALL THAT CERTAIN jot of land sItuate m South Middleton TownshIp, Cumberland County,
Pennsylvarua, bOunded and described as follows:
BEGINNING at an Iron pm on the Southern fight of w~y of TownshIp Road No. 475 (West Pine Street)
bemg the Northwest corner of Lot No.3; thence along Lot No.2 South 09 degrees 23 IDmutes East
404.52 feet to an Iron pm; thence along Lot No.7 North 87 degrees 10 mmutes East 70.00 feet to an Iron
pm; thence along Lot No.4 North 02 degrees] 8 mmutes 50 seconds West 385.28 feet to an Iron pm;
thence along lhe Southern fight of way of TownshIp Road 475 North 68 degrees 25 mmutes West 63.47
feet to an lIon pm; thence along the same North 83 degrees 18 mmules 40 seconds West 62.53 feel 10 the
Place of Begmrung.
BEING Lot Number 3 according to a SubdivIsIOn Plan for John c. Maunce m South Middleton
TownshIp, Cumberland County, PelU1sylvarua, prepared by Thomas A. Neff, R.S. on January 5, 1977, and
recorded in the Office of the Recorder of Deeds m and for Cumberland County.
CONTAINING .837 acres.
Being Parcel No. 40-32-2332-026
RECORD OWNER
TITLE TO SAID PREMISES IS VESTED IN: BEING the same pre1lllses whiCh Donald L. Baker and
Cathy A. Baker, husband and wife, by Deed dated August 14,2000, and recorded August 15, 2000, ill the
Office of the Recorder of Deeds In and for the County of Cumberland, in Book 227. Page 305, granted
and conveyed unto Tony L. Keller, Sr. and Joann Ward, Adult Man and woman, as Jomt Tenants with the
Right of SurvIvorshIp, In fee.
Subject to the encnmbrances and claims as follows:
A. TAXES:
TAXES DUE: Paid Thru 2004
ASSESSMENT: $15L4S0.00
PARCEL: 40-32-2332-026
Current Owner Search
Page 2 of3
B. MORTGAGES:
MORTGAGE FROM: Tony L. Keller. Sf. and Joann Ward
TO: First Umon NatlOnal Bank of Delaware
DATED: 08/1412000
RECORDED: 0811512000
VOLUME: i632 PAGE: 725
AMOUNT: $119.700.00
LENDER'S ADDRESS: One Rodney Square. 926 King Street, Wilmmgton, DE 1980]
c./ ,(']/'1
;/
MORTGAGE FROM: Tony L. Keller, Sf. and Joann Ward
TO: Donald L. Baker and Cathy A. Baker
DATED: 0811412000
RECORDED: 0811512000 /7
VOLUME: 1632 PAGE: 734
AMOUNT: $6,650.00
LENDER'S ADDRESS: 616 Forge Road. Carlisle. PA ] 7013
C. JUDGMENTS:
Unifund CCR Partners. PLAINTIFF vs. Tony L. Keller. Sf. DEFENDANT
DOCKET NUMBER: 2005-00290
/:0,1,,---./
FILED DATE: 01113/2004 ./
AMOUNT: $2.197.39
PLAINTIFF'S ADDRESS: 10625 Techwoods Circle. Cincmnal1. OB 45242
Citibanl<, N.A. vs. Tony L. Keller. Sr. and Joarill Ward
Docket No. 2005-04553, filed 09/02/2005
Complaint
1100 Corporate Center Dnve, RaleIgh. NC 27607
,(v
oy
D. BANKRUPTCY: NONE
E. MUNICIPAL & MECHANICS LIENS: NONE
F.
OBJECTIONS:
NONE
CutTent Owner Search
Page 3 of3
DESCRIPTION
ALL THAT CERTAIN lot of land sItuate m South Middleton TownshIp. Cumberland COlmty,
Pennsylvama, bounded and described as follows:
BEGINNING at an !ron pm on the Southern nght of way of TownshIp Road No. 475 (West Pine Street)
bemg the Northwesl comer of Lot No.3; thence along Lot NO.2 South 09 degrees 23 mmutes East
404.52 feet to an Iron pm; thence along Lot No.7 North 87 degrees 10 mmutes East 70.00 feet to an !ron
pm; thence along Lot No.4 North 02 degrees 18 mmutes 50 seconds West 385.28 feet to an Iron pm:
thence along the Southern nght of way of TownSl11p Road 475 North 68 degrees 25 ffimutes West 63.47
feet to an Iron pm; thence along the same North 83 degrees 18 mmutes 40 seconds West 62.53 feet to the
Place of Begmrung.
BEING Lot Number 3 according 10 a SubdivIsIon Plan for John c. Maunce m South Middleton
TownshIp, Cumberland County, Pennsylvama, prepared by Thomas A. Neff, R.S. on January 5, 1977. and
recorded m the Office of the Recorder of Deeds m and for Cumberland County.
CONTAIN1NG .837 acres.
Being Parcel No. 40-32-2332-026
'.
,
2005-00290 UNIFUND CCR PARTNERS (V8) KELLER TONY L SR
Filed. .
Time_
1/13/2005
3;24
0/00/0000
0/00/0000
Reference No.
Case Type. COMPLAINT
Judgment. .... 2197.39
Judge Ass:Lgned:
Disposed Desc. ;
------------ Case Comments -------------
Execution Date
Jurv Tn.al. .
Disposed Date.
Higher Crt 1.:
Higher Crt 2.:
**~**************~**************~**~****w****~**********************************
General Index Attorney Info
UNIFUND CCR PARTNERS
10625 TECHWOODS CIRCLE
CINCINNATI OR 45242
KELLER TONY L SR
707 W DINE 8T
MT BOLLY SPRINGS PA 17065
PLAIN1'IFF
WEINBERG FREDERIC I
DEFENDANT
MILLER DOUGLAS G
Amount
2,197.39
Date Desc
Judgment Index
KELLER TONY L SR
3/22/2005 FAILURE TO ANSWER
*****~***********~**~*****~*****~*******************************~****w**********
* Date Entries *
****************X*****k**~***********************~******************************
1/13/2004
1/26/2005
2/11/2005
3/22/2005
3/22/2005
3/22/2005
3/22/2005
3/22/2005
_ _ - - - - - - - - - - - FIRST ENTRY - - - - - - - - - - - - - -
COMPLAINT
-------------------------p-----------------------------------------
SHERIFF'S FILE RETURNED FILED.
Case Type: COMPLAINT & NOTICE Ret Type,: Regular
Litigant., KELLER TONY L SR
Address..; 707 WEST PINE STREET
Cty/St/Zp: MT HOLLY SPRINGS, FA 17065
Hna To: TONY K~LLER
Shf/Dpty., KURT HAAG
Date/Time: 01/25/2005 1350:00
Costs..,.; ~33.18 pd By: GORDON & WEINBERG 01/26/2005
---------------------------------------------------------------~---
PRAECIpE TO ENTER APPEARANCE FOR DEFT - BY DOUGLAS G MILLER ESQ
FOR PLFF
-------------------------------------------------------------------
PRAECIPE FOR DEFAULT JUDGMENT AND DEFAULT JUDGMENT ENTERED
IN THE AMOUNT OF $2197.39
-------------------------------------------------------------------
NOTICE MAILED TO DEFENDANT
___________________________________________________u_______________
CERTIFICATION OF ADDRESS
---------~----------~--~--~----------------------------------------
AFFIDAVIT OF NON MILITARY SERVICE
-------------------------------------------------------------------
IMPORTANT NOTICE FILED (DEFAULT JUDGMENT)
- - - - - - - - - - - - - - LAST ENTRY - - - - - - - - - - - - - -
*********************************T**************************~~******~***********
* Escrow Info~ation *
* Fees & Debits Bea Bal Pvmcs/Adi End Bal *
*******~************************~*X***~**~******~****************~*****~*~*****~
COMPLAINT
TAX ON CMPLT
SETTLEMENT
AUTOMATION
JCP FEE
JDMT
35.00 35.00
.50 . SO
5.00 5.00
5.00 5.00
10.00 10.00
9.00 9.00
-------------------~----
64.50 64.50
.00
.00
.00
,00
.00
.00
---_..-------
.00
**~************************************~****~******************************~***~
* End of Case Information '
*********************~***************~***~~*~~*****~*~**********~**T*******~***~
"
2005-04553 CITIBANK N A (ve) KELLER TONY L SR ET AL
Reference No.
Case Type. . COMPLAINT - MORT FORE
Judgment.,. .. .00
Judge Asslgned:
Dispo~ed _ J?::c C';'se Comments $'/..&C) _G 2:72/'-:5'
Filed. . .
Time.
Execution Date
Jury Trial.. .
Disposed Date.
Higher Crt 1.'
Higher Crt 2.:
9/02/2005
2:19
0/00/0000
0/00/0000
CITIBANK N A
1100 CORPORATE CENTER
RALEIGH NC 27607
KELLER TONY L SR
707 WEST 'PINE STREET
MT HOLLY SPRINGS PA
WARD JOANN
707 WEST PINE STREET
MT HOLLY SPRINGS PA
****~**********~************w************~~*********~***************************
General Index Attorney Info
SALTZMAN ROB tf1( tJif5
~/. f!>~' .
PLAINTIFF
DRIVE
DEFENDANT
17065
DEFENDANT
17065
**************~***~**W~*************************************~*******************
* Date Entries *
***********~**********************~***w***~****~*~*************T****************
9/02/2005
- - - - - - - - - - - FIRST ENTRY
COMPLAINT - MORTGAGE FORECLOSURE
- - - - - - - - - - - - - - LAST ENTRY
*********~**************************************************~**~*******~*****w**
* Escrow Information *
* Fees & Debits Beq Bal Pvmts/Adl End Bal. *
************W*******************~****~***~******;*****************~*************
COMPLAINT 35.00 35.00 .00
TAX ON CMPLT .50 .50 .00
SETTLEMENT 5.00 5.00 .00
AUTOMATION 5.00 5.00 .00
JCP FEE 10.00 10.00 .00
--~---------~----------- ------------
55.50 55.50 .00
*******************~*x**************************~***************~*******~*******
. End of Case Information *
****~**********~****************************************************************
..
,
Pluese, Becker & Saltzman, LLC.
BY: Rob Saltzman, Esquire
P A Attorney Id. No. 53957
20000 Horizon Way, Suite 900
Mount Laurel, NJ 08054-4318
Phone: 856-813-1700
Fax: 856-813-1720
Email: rsaltzman@obslaw.org
Attorneys for Plaintiff/Movant
File No.78283
ClTlBANK, N.A. AS TRUSTEE UNDER
THE POOLING AND SERVICING
AGREEMENT DATED AS OF
NOVEMBER 30, 2001, SERIES 2001-1
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
No. 05-4553
Plaintiff,
v.
TONY 1. KELLER, SR.
JOANN WARD
Defendants
MEMORANDUM OF LAW IN SUPPORT OF
PLAINTIFF'S MOTION TO CONFORM
MORTGAGE FORECLOSURE PLEADINGS
and
DIRECT SHERIFF TO ISSUE CORRECTED DEED
Movant, Citibank, N.A. as Trustee under the Pooling and Servicing Agreement Dated as
of November 30, 2001, Series 2001-1, having filed its Motion to Conform the Pleadings in the
pending Mortgage Foreclosure submits this Memorandum of Law in support thereof.
~
~
Pennsvlvania Rule of Civil Procedure Rule 1033 provides in relevant part that "[a]
party,...by leave of court may at any time change the form of action, correct the name of a party
or amend his pleading."
In the instant Motion to Conform, etc., Plaintiff requests leave of Court to rectifY the
consequences of a typographical error which resulted from its having been provided flawed
information in a the Title Report identified in and annexed to this Motion. This Motion has been
filed promptly upon the discovery of the unfortunate, but harmless, Error previously described.
All the factors held to militate in favor of Judicial intervention to cure the prejudicial
effect of the clerical error herein are extant in the circumstances surrounding this application as
previously described. Plaintiffs foreclosure is not inherently unsound, but incomplete, and the
cause of action is not changed by the proposed amendment. See, e.g., Ouaker Citv Chocolate &
Confectionery Co. v. Delhi-Warnock Bldg. Assn., 357 Pa. 307, 53 A. 2d 597 (1947); Puleo v.
Broad Street Hospital, 267 Pa. Super. 581, 407 A. 2d 394 (1979); Maddux v. Com. Dept. of
Agriculture, 35 Pa. Commw. 386, 386 A. 2d 620 (1978). Plaintiff has moved promptly for relief
and there has been no undue delay. However, so strong is the trend to liberal allowance of
amendments to correct technical defects that to deny leave to amend predicated only upon
unreasonable delay has been held to constitute abuse of discretion. See, Copobianchi v. BIC
~, 446 Pa. Super. 130, 666 A. 2d 344, app. den. 544 Pa. 599, 674 A. 2d 1065 (1996);
Guitierrez v. Penna. Gas & Water Co., 352 Pa. Super. 282, 507 A. 2d 1230 (1986). Finally, for
the reasons previously articulated in this application, no party is prejudiced by the correction of
the clerical error at issue herein, whereas Plaintiff is prejudiced by the effects of the error.
Plaintiff must seek reformation of the record in this foreclosure action via amendment
since an action to quiet title will not lie in the operative circumstances herein. The jurisdictional
requirement that another party assert a claim to possession is not present in this case. Pa. R. C. P.
.,
1061-1066; Buck v. Brunner, 167 Pa. Super. 142,74 A. 2d 528 (Pa" Super. 1950)(It is only
where plaintiff is in possession of land against which a person not in possession makes claim or
asserts title that an action to quiet title will lie ).
Accordingly, this Motion falls within the parameters of Rule 1033. This Honorable
Court is empowered to liberally allow amendment(s) to prevent the case from turning on
technicalities, consistent with the more modern trend to promote resolutions on the merits. See,
e.g., Allen v. Lake Tp., 8 Pa. D. & C. 2d 576 (C.P. 1957).
WHEREFORE, the Plaintiff respectfully requests entry of an Order reforming and
conforming the foreclosure pleadings which were predicated upon the typographical Error
contained in the Title Report and directing the Sheriff to issue a Sheriffs Deed including the
corrected legal description of the mortgage property.
Respectfully submitted,
PLUESE, BECKER & SALTZMAN, LLC
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s for the Mortgagee
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Pluese, Becker & Saltzman, LLC.
BY: Rob Saltzman, Esquire
PA Attorney Id. No. 53957
20000 Horizon Way, Suite 900
Mount Laurel, NJ 08054-4318
Phone: 856-813-1700
Fax: 856-813-1720
Email: rsaItzman@pbslaw.org
Attorneys for Plaintiff/Movant
File No.78283
ClTlBANK, N.A. AS TRUSTEE UNDER
THE POOLING AND SERVICING
AGREEMENT DATED AS OF
NOVEMBER 30, 2001, SERIES 2001-1
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
No. 05-4553
Plaintiff,
v.
TONY 1. KELLER, SR.
JOANN WARD
Defendants
CERTIFICATE OF SERVICE
I hereby certify that on the 3vtjJy day of M
,2006
a true and correct copy of Plaintiff's Motion to Conform Mortgage Foreclosure Pleadings, etc.,
together with its proposed form of Order and supporting Memorandum of Law, was made on all
parties below named, by first class mailing, postage pre-paid, as follows:
Tony 1. Keller, Sr.
707 W. Pine Street
Mount Holly Springs, PAl 7065
Joann Ward
707 W. Pine Street
Mount Holly Springs, P A 17065
Unifund CCR Partners
10625 Techwoods Circle
Cincinnati, OH 45242
Donald 1. Baker
616 Forge Road
Carlisle, P A 17013
...
'"
Cathy A. Baker
616 Forge Road
Carlisle, P A 17013
Commonwealth ofPA
Dept of Welfare
PO Box 2675
Harrisburg PA 17105
Tax Collector
6 Hope Drive
Boiling Springs, P A 17007
Adams Electric Cooperative, Inc.
1338 Biglerville Road
Gettysburg, P A 17325
UGl
1500 Paxton Street
Harrisburg, P A 17104
Tenant/Occupant
707 W. Pine Street
Mount Holly Springs, P A 17065
Respectfully submitted,
PLUESE, BECKE~.'SAL TZMAN
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BY: '/.. /j,-.----~
an, Esquire
y for Plaintiff/Movant
1
Cumberland Co. Dept. Of Domestic Relations
PO Box 320
Carlisle, PA 17013
South Middleton Township Municipal Authority
PO box 8
345 Criswell Drive
Boiling Springs, P A 17007
South Middleton Township
520 Park Drive
Boiling Springs, PAl 7007
PPL Resources, Inc.
40 Roadway Drive
Carlisle, P A 17013
First Energy MedEd
PO Box 1600 I, 2800 Pottsville Pike
Reading, P A 19640
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Pluese, Becker & Saltzman, LLC.
BY: Rob Saltzman, Esquire
PA Attorney Id. No. 53957
20000 Horizon Way, Suite 900
Mount Laurel, NJ 08054-4318
Phone: 856-813-1700
Fax: 856-813-1720
Email: rsaltzman@pbslaw.org
Attorneys for Plaintiff /Movant
File No.78283
ClTlBANK, N.A. AS TRUSTEE UNDER
THE POOLING AND SERVICING
AGREEMENT DATED AS OF
NOVEMBER 30, 200 I, SERIES 200 I-I
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
No. 05-4553
Plaintiff,
v.
TONY 1. KELLER, SR.
JOANN WARD
Defendants
ORDER
AND NOW, this
5'4~
day of
t\9r'\\
, 2006, in consideration
of Movant's Motion to Conform the Mortgage Foreclosure pleadings, etc., it is hereby ORDERED
AND DECREED that Plaintiffs Motion is granted; and
AND IT IS FURTHER ORDERED that all pleadings filed of record in the instant
mortgage foreclosure action shall be deemed amended to reflect the following correction in the
metes and bounds description:
BEGINNING at an iron pin on the southern right-of-way of Township Road No. 475
(West Pine Street) being the northwest corner of Lot No.3; thence along Lot No.2 South Nine
(09) Degrees Twenty-Three (23) Minutes East Four Hundred Four and Fifty-Two Hundredths
(404.52) Feet to an iron pin; thence along Lot No.7 North Eighty-Seven (87) Degrees Ten (10)
r [ ~.'t
.
~
Minutes East Seventy (70.00) Feet to an iron pin; thence along Lot No.4 North Two (2) Degrees
Eighteen (I8) Minutes Fifty (50) Seconds West Three Hundred Sixty-Five and Twenty-Eight
Hundredths (365.28) Feet to an iron pin; thence along the southern right-of-way of Township
Road 475 North Sixty-Eight (68) Degrees Twenty-Five (25) Minutes West Sixty-Three and Forty-
Seven Hundredths (63.47) Feet to an iron pin; thence along the same North Eighty-Three (83)
Degrees Sixteen (16) Minutes Forty (40) Seconds West Sixty-Two and Fifty-Three Hundredths
(62.53) Feet to the Place of BEGINNING.
AND the Sheriff of Cumberland County shall be and the same hereby is directed to issue a
Corrected Sheriff's Deed including the aforesaid legal description.
BYTHECOURT, X
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COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND } SS:
I, Robert P. Ziegler, Recorder of Deeds in and for said County and State do hereby certify that
the Sheriffs Deed in which Citibank N A Tr is the grantee the same having been sold to said grantee on
the 8th day of March A.D., 2006, under and by virtue of a writ Execution issued on the 7th day ofDec,
A.D., 2005, out of the Court ofConunon Pleas of said County as of Civil Term, 2005 Number 4553, at
the suit ofCitibank N A Tr against Tonv L Keller Sr.Joann Ward is duly recorded in Deed Book No.
274, Page 1829.
IN TESTIMONY WHEREOF, I have ;zeunto set my hand
and seal of said office this {I day of
Recorder of Deeds
Doou. ....,........ Counly. c.oI*.'A
. """'.. filii....,.......
.,
, ,
Citibank, NA, as Trustee Under the
Pooling and Servicing Agreement
Dated as of November 30, 2001,
Series 2001-1
VS
Tony 1. Keller, Sr. and Joann Ward
The Court of Conunon Pleas of
Cumberland County, Pennsylvania
Writ No. 2005-4553 Civil Term
Cpl. Timothy Reitz, Deputy Sheriff, who being du1y sworn according to law,
states that on January 06, 2006 at 11 :05 o'clock AM, 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: Tony 1. Keller, Sr. and Joann Ward, by
making known unto Joann Ward, personally and mother of Tony 1. Keller, Sr., at 707
West Pine Street, Mt. Holly Springs, Cumberland County, Pennsylvania, its contents and
at the same time handing to her personally the said true and correct copy of the same.
Cpl. Timothy Reitz, Deputy Sheriff, who being du1y sworn according to law,
states that on January 06, 2006 at 11:05 o'clock A.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 Tony 1. Keller, Sr. and Joann Ward, located at 707 West Pine Street, Mt.
Holly Springs, 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: Tony 1. Keller, Sr. and Joann Ward, by regu1ar mail to their last
known address of 707 West Pine Street, Mt. Holly Springs, P A 17065. These letters
were mailed under the date of January 10, 2006 and never returned to the Sheriffs Office.
R. Thomas Kline, Sheriff, who being duly sworn according to law, states that
after due and legal notice had been given according to law, he exposed the within
described premises at public venue or outcry at the Courthouse, Carlisle, Cumberland
County, Pennsylvania on March 08, 2006 at 10:00 o'clock A.M. He sold the same for the
sum of$1.00 to Attorney Rob Saltzman for Citibank N.A. as Trustee under the Pooling
and Servicing Agreement dated as of November 30, 2001, Series 2001-1. It being the
highest bid and best price received for the same, Citibank N.A. as Trustee under the
Pooling and Servicing Agreement dated as of November 30,2001, Series 2001-1 of 1100
Corporate Center Drive, Raleigh, NC 27607, being the buyer in this execution, paid to
SheriffR. Thomas Kline the sum of $899.20.
Sheriffs Costs:
Docketing
Poundage
Posting Bills
Advertising
Acknowledging Deed
$30.00
17.64
15.00
15.00
30.00
"
Auctioneer
Law Library
Prothonotary
Mileage
Certified Mail
Levy
Surcharge
Postage
Law Joumal
Patriot News
Share of Bills
Distribution of Proceeds
Sheriffs Deed
10.00
.50
1.00
5.28
3.66
15.00
30.00
1.17
311.00
328.40
21.05
25.00
39.50
$ 899.20
Sworn and subscribed to before me
This ~ day of
2006, A.D.
?~j,iYtlrs: _ r..A'
, ~-~~
R. Thomas Kline, Sheriff
By\Jt\~~
Real Estate ergeant
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,
PLUESE, BECKER & SALTZMAN, LLC
By: Rob Saltzman, Esquire
Attorney LD. #53957
20000 Horizon Way, Suite 900
Mount Laurel, NJ 08054
Phone: 856-813-1700
Attornev for Plaintiff
Citibank' N.A. ast Trustee under the
Pooling and Servicing Agreement Dated
as of November 30, 2001, Series 2001-1
Plaintiff,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
v.
Docket #05-4553
Tony 1. Keller, Sr.
Joann Ward
Defendant
AFFTOAVTT PTTRSTTANTTO RTTT,R l1291
ritih9nkr N A 9~t TrndpP. nnclpr thp Pooling 9nrJ SprviC'ing Agrppmpnt 03tpcl 3~ of Novpmhpr
lO, 2001, SPrie. 2001-T, 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 1111
W Pine Street, MOllnt Holly Spring., PA 170ti<;, Cumberland County, Pennsylvania, was true
and correct to the best of its knowledge, information and belief.
I. Name and address of owner(s) or reputed owner (s):
Name
Address
Tony 1. Keller, Sr.
707 W. Pine Street
Mount Holly Springs, P A 17065
Joann Ward
707 W. Pine Street
Mount Holly Springs, P A 17065
2. Name and address of defendant(s) in the judgment:
Name
Address
SAME AS ABOVE
f' .'
(
3. Name and last address of every judgment creditor whose judgment is a record lien on the
real property to be sold:
Name
Address
Unifund CCR Partners
10625 Techwoods Circle
Cincinnati, OH 45242
4. Name and address ofthe last recorded holder of every mortgage of record:
Name
Address
Citibank, N.A. ast Trustee under the
Pooling and Servicing Agreement Dated
as of November 30, 2001, Series 2001-1
(Plaintiff)
Donald 1. Baker
616 Forge Road
Carlisle, P A 17013
Cathy A. Baker
616 Forge Road
Carlisle, PA 17013
5. Name and address of every other person who has any record lien on the property:
Name
Address
None.
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:
Name
Address
Cumberland Co. Dept. of
Domestic Relations
P.O. Box 320
Carlisle, P A 17013
Commonwealth ofPA
Dept. of Welfare
P.O. Box 2675
Harrisburg, PA 17105
South Middleton Township Municipal Auth.
P.O. Box 8
345 Criswell Drive
Boiling Springs, PAl 7007
Tax Collector
6 Hope Drive
Boiling Springs, P A 17007
PLUESE, BECKER & SALTZMAN, LLC
By: Rob Saltzman, Esquire
Attorney LD. #53957
20000 Horizon Way, Suite 900
Mount Laurel, NJ 08054
Phone: 856-813-1700
Attornev for Plaintiff
Citibank, NA ast Trustee under the
Pooling and Servicing Agreement Dated
as of November 30, 2001, Series 2001-1
Plaintiff,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
v.
Docket #05-4553
Tony 1. Keller, Sr.
Joann Ward
Defendant
NOTTrR OF SHRRTFF'S SAT R OF RRAT RSTATF.
TO: Tony 1. Keller, Sr.
707 W. Pine Street
Mount Holly Springs, P A 17065
Your house at 707 W. Pine Street, Mount Holly Springs, P A 17065, is scheduled to be sold
by the Cumberland County Sheriffs Department to enforce the court judgment of $134,262.95
obtained by Citibank' NA ast Trustee under the Pooling and Servicing Agreement Dated as of
November 30, 2001, Series 2001-1 against you. The Sheriff's Sale will be conducted on March 8,
2006, at 10:00 A.M., at the Cumberland County Courthouse, One Courthouse Square, Carlisle, P A
17013-3387 or, in the alternative, at a location to be determined by the Cumberland County
Sheriff's Department.
NOTICE OF OWNER'S RIGHTS
YOlT MAY HF Am R TO PRRVRNT THTS SHRRTFF'S SALR
To prevent this Sheriff's Sale, you must take inunediate action:
1. The sale will be cancelled if you pay to Plaintiff Mortgagee the back payments, late
charges, costs and reasonable attorneys Fees due. To find out how much you must pay,
you may call Rob Saltzman, Esquire at (215) 546-3205.
2. You may be able to stop the sale by filing a petition asking the Court to strike or open the
Judgment, if the judgment was improperly entered. You may also ask the Court to
postpone the sale for good cause.
3. You may also be able to stop the sale through other legal proceedings.
. .
You may need an attorney to assert your rights. The sooner you contact one, the more
chance you will have of stopping the sale. (See notice below on how to obtain an attorney.)
YOlT MAY STTT.T HF AmF TO SAVE YOUR PROPFRTY AND YOlT HAVF OTHFR
RTGHTS FVFNIFTHF SHFRIFF'S SATE nOFS TAKF PT M'F
1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You
may find out the price bid by calling Rob Saltzman, Esquire at (215) 546-3205, or by calling the
Cumberland County Sheriff's Department at (717) 240-6390
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 ifthe buyer pays the Sheriff the full amount due in the sale.
To find out if this has happened, you may call Rob Saltzman, Esquire at (215) 546-3205, or by
calling the Sheriffs office at (717) 240-6390.
4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of
the property as ifthe sale never happened.
5. You have the right to remain in the property until the full amount due is paid to the Sheriff
and the Sheriff gives a deed to the buyer. At this 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 Cumberland County Sheriff on or
about thirty (30) days from the date of the Sheriff's Sale. This schedule will state who will be
receiving that money. The money will be paid out in accordance with this schedule unless
exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten
(10) days after Distribution sheet is posted.
7. You may also have other rights and defenses, or ways of getting your home back, if you act
inunediately after the sale.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HA VB A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE
LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
Lawyer Referral Service
Cumberland County Bar Association
32 S. Bedford Street
Carlisle, P A 17013
(717) 249-3166
(800) 990-9108
. .
ALL THAT CERTAIN lot of land situate in the South Middleton Township, Cumberland
County, Pennsylvania, bounded and described as follows;
BEGINNING at an iron pin on the Southern right of way of Township Road No. 475 (West Pine
Street) being the Northwest corner of Lot No.3; thence along Lot No.2 South 09 degrees 23
minutes East 404.52 feet to an iron pin; thence along Lot No.7 North 87 degrees 10 minutes East
70.00 feet to an iron pin; thence along Lot No.4 North 02 degrees 18 minutes 50 seconds West
385.28 feet to an iron pin; thence along the Southern right of way of Township Road 475 North
68 degrees 25 minutes West 63.47 feet to an iron pin; thence along the same North 83 degrees 18
minutes 40 seconds West 62.53 feet to the place of beginning.
Being Lot Number 3 according to a Subdivision Plan for John C. Maurice in South Middleton
Township, Cumberland County, Pennsylvania, prepared by Thomas A. Neff, RS. on January 5,
1977 and recorded in the Office of the Recorder of Deeds in and for Cumberland County.
Containing .837 acres.
Being Parcel No. 40-32-2332-026
Being known as 707 W. Pine Street, Mount Holly Springs, PA 17065
. .
PLUESE, BECKER & SALTZMAN, LLC
By: Rob Saltzman, Esquire
Attorney LD. #53957
20000 Horizon Way, Suite 900
Mount Laurel, NJ 08054
Phone: 856-813-1700
Attorney for Plaintiff
Citibank, N.A. ast Trustee under the
Pooling and Servicing Agreement Dated
as of November 30,2001, Series 2001-1
Plaintiff,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
v.
Docket #05-4553
Tony 1. Keller, Sr.
Joann Ward
Defendant
NOTTC'F OF SHFR IFF'S SAT F OF R FAT FST A TF
TO: Joann Ward
707 W. Pine Street
Mount Holly Springs, P A 17065
Your house at 707 W. Pine Street, Mount Holly Springs, P A 17065, is scheduled to be sold
by the Cumberland County Sheriffs Department to enforce the court judgment of $134,262.95
obtained by Citibank, N.A. ast Trustee under the Pooling and Servicing Agreement Dated as of
November 30, 2001, Series 2001-1 against you. The Sheriffs Sale will be conducted on March 8,
2006, at 10:00 A.M., at the Cumberland County Courthouse, One Courthouse Square, Carlisle, PA
17013-3387 or, in the alternative, at a location to be determined by the Cumberland County
Sheriffs Department.
NOTICE OF OWNER'S RIGHTS
YOTTMAY RF ART F TO PRFVFNT THTS SHFRIFF'S SAT F
To prevent this Sheriffs Sale, you must take immediate action:
1. The sale will be cancelled if you pay to Plaintiff Mortgagee the back payments, late
charges, costs and reasonable attorneys Fees due. To find out how much you must pay,
you may call Rob Saltzman, Esquire at (215) 546-3205.
2. You may be able to stop the sale by filing a petition asking the Court to strike or open the
Judgment, if the judgment was improperly entered. You may also ask the Court to
postpone the sale for good cause.
3. You may also be able to stop the sale through other legal proceedings.
. .
You may need an attorney to assert your rights. The sooner you contact one, the more
chance you will have of stopping the sale. (See notice below on how to obtain an attorney.)
YOTr MAY ~TTJr HE AHTE TO ~AVE YOTm PROPERTY ANn YOTJ HAVF OTHFR
Rr(;HT~ EVEN IF THE ~HFRJFF'~ ~Ar E nOE~ TAKE PT ArE
I. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You
may find out the price bid by calling Rob Saltzman, Esquire at (215) 546-3205, or by calling the
Cumberland County Sheriff's Department at (717) 240-6390
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 Rob Saltzman, Esquire at (215) 546-3205, or by
calling the Sheriffs office at (717) 240-6390.
4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of
the property as if the sale never happened.
5. You have the right to remain in the property until the full amount due is paid to the Sheriff
and the Sheriff gives a deed to the buyer. At this 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 Cumberland County Sheriff on or
about thirty (30) days from the date of the Sheriff's Sale. This schedule will state who will be
receiving that money. The money will be paid out in accordance with this schedule unless
exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten
(10) days after Distribution sheet is posted.
7. You may also have other rights and defenses, or ways of getting your home back, if you act
inunediately after the sale.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE
LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
Lawyer Referral Service
Cumberland County Bar Association
32 S. Bedford Street
Carlisle, P A 17013
(717) 249-3166
(800) 990-9108
ALL THAT CERTAIN lot of land situate in the South Middleton Township, Cumberland
County, Pennsylvania, bounded and described as follows:
BEGINNING at an iron pin on the Southern right of way of Township Road No. 475 (West Pine
Street) being the Northwest corner of Lot No.3; thence along Lot No.2 South 09 degrees 23
minutes East 404.52 feet to an iron pin; thence along Lot No.7 North 87 degrees 10 minutes East
70.00 feet to an iron pin; thence along Lot NO.4 North 02 degrees 18 minutes 50 seconds West
385.28 feet to an iron pin; thence along the Southern right of way of Township Road 475 North
68 degrees 25 minutes West 63.47 feet to an iron pin; thence along the same North 83 degrees 18
minutes 40 seconds West 62.53 feet to the place of beginning.
Being Lot Number 3 according to a Subdivision Plan for John C. Maurice in South Middleton
Township, Cumberland County, Pennsylvania, prepared by Thomas A. Neff, RS. on January 5,
1977 and recorded in the Office of the Recorder of Deeds in and for Cumberland County.
Containing .837 acres.
Being Parcel No. 40-32-2332-026
Being known as 707 W. Pine Street, Mount Holly Springs, PA 17065
WRIT OF EXECUTION andlor ATTACHMENT
. .
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
.
NO 05-4553 Civil
CIVIL ACTION - LAW
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfY the debt, interest and costs due CITIBANK, N.A. AS TRUSTEE UNDER THE
POOLING AND SERVICING AGREEMENT DATED AS OF NOVEMBER 30, 2001, SERIES
2001-1, Plaintiff (s)
From TONY L. KELLER, SR. AND JOANN WARD
(I) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL
DESCRIPTION.
(2) You are also directed to attach the property of the defendant(s) not levied upon in the possession
of
GARNISHEE(S) as follows:
and to notify the 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 $134,262.95 L.L. $.50
Interest FROM 10/15/05 TO 3/8/06 AT $22.07 PER DIEM - $3,178.08
Atty's Comm % Due Prothy $1.00
Atty Paid $151.80 Other Costs
Plaintiff Paid
Date: DECEMBER 7, 2005
CURTIS R. LONG
(Seal)
ProthO;I ~
<.......I!y: a... "'- [} '(J'ti1A' ~&;---
Deputy
REQUESTING PARTY:
Name ROB SALTZMAN, ESQUIRE
Address: 20000 HORIWN WAY, SIDTE 900
MOUNT LAUREL, NJ 08054
Attorney for: PLAINTIFF
Telephone: 856-813-1700
Supreme Court ill No. 53957
SU;',i nEe -8 V :i: 3:;
Real Estate Sale # 51
On December 22, 2005 the Sheriff levied upon the
defendant's interest in the real property situated in
South Middleton Township, Cumberland County, PA
Known and numbered as 707 West Pine Street,
filed with this writ and by this reference incorporated herein.
(-')
l:V1'J
evil
=::J
G=e>
WiJ
Mount Holly Springs, more fully described on Exhibit "A"
Date: December 22, 2005
By: Jo cfl{ ~
Real Estate Sergeant
O( ~ 'V 9-~.
'4d ',l..lllnO:J'?l.lI'9:l.i~~tr~$
.un.l~~S 1"
. .
,
.
THE PATRIOT NEWS
THE SUNDAY PATRIOT NEWS
Proof of Publication
Under Act No. 587, Approved May 16, 1929
Commonwealth ofpennsylvania, 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#51
.
.D.
"
.
CUMBERLAND COUNTY SHERIFFS OFFICE
CUMBERLAND COUNTY COURTIiOUSE
CARLISLE, PA. 17013
. ~ .. .
PRuUF Of' PUBLICATION OF NOTICE
I < CUMBERLAND LAW JOURNAL
(Under /, i No. 587, approved May 16, 1929), P. 1.1784
STATE OF PENNSYL V A~, ,\. :
ss.
cOUNTYOFcUMBERL,\[) :
Lisa Marie Coyne, J.qui,'e, Editor of the Cumberland Law Journal, of the County and
State aforesaid, being duly S\ UIIl, according to law, deposes and says that the Cumberland Law
Journal, a legal periodical pui i';hed ill the Borough of Carlisle in the County and State aforesaid,
was established January 1, ')1, ;)nd designated by the local courts as the official legal
periodical for the publicatiol' ,; alllcgalnuiices, and has, sinee ,january 2,1952, been regularly
issued weekly in the said C ,'illy, and that the printed notice or publication attached hereto is
exactly the same as was P";ii,c'd ;n the reguiar editions and issues of the said Cumberland Law
Journal on the following date,
VIZ:
January 20, :'. February 3,1006
Affiant further dcpos,
Law Journal, a legal periodic
matter of the aforcsaid 110,
statements as to time, p lacc "
,int he is aUlhorized to verify this statement by the Cumberland
.1 ul' general circulation, and that he is not interested in the subject
", or adverti:;ement, and that aJl allegations in the foregoing
:baracter of publication are true.
S WORN TO AN I) Sli BSCRIBED before me this
3 day of Februarv, 2006
"""'_"_".~ 1;lJswy
I NOT ARIIIL SEAL
m LOIS E. SNVDER, Notary Pl!bliG
j. C,~r1;s!e ,8oro, Cum!:1erhnd COUflPl
! "':;'J ;'/'::""';1\:" ~:0rt \\"(:,\1 t" 2009 .
JIUL DTATI: UI.& 1fO. 51
Wrtt No. 2005-4553 CIvil
eitibank. N.A. as 'J)ustee under
the Pooling and Serv1c1ng
Agreement Dated as of November
30. 2001, Sertes 2001-1
vs.
Tony L. Keller, Sr. and
Joann Ward
Atty.: Rob Saltzman
ALL THAT CERTAIN lot of land
situate in the South Middleton
Township, Cumberland County.
Pennsylvania, bounded and de-
scribed as follows:
BEGINNING at an Iron pln on the
Southern right of way of TownshIp
Road No. 475 (West PIne Street)
being the Northwest comer of Lot
No.3; thence along Lot No.2 South
09 d<>greea 23 mlnutes _ 404.52
feet to an Iron pin: thence alone Lot
No.7 North 87 degrees 10 minutes
East 70.00 feet to an Iron pin;
thence along Lot No. 4 North 02
degrees 18 minutes 50 seconds
West 385.28 feet to an iron pin;
thence along the Southern right of
way of TownshIp Road 475 North
68 degrees 25 mlnutes West 63.47
feet to an iron pin; thence along the
same North 83 degrees 18 minutes
40 seconds West 62.53 feet to the
place of begtnnlng.
Being Lot Number 3 according
to a Subdivision Plan for John C.
Maurtce In South MIddleton Town-
ship. Cumberland County, Pennsyl-
vania. prepared by Thomas A. Neff,
RS. on January 5. 1977 and re-
corded In the Office of the Recorder
of Deeds in and for Cumberland
County.
Containing .837 acres.
BeIng Parcel No. 40-32-2332-
026.
Being known as 707 W. Pine
Street. Mount Holly Springs, PA
17065.