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Home My WebLink About05-4695PHELAN HALLINAN 8r. SCHMIEG, LLP LAWRENCE T. PHELAN, ESQ., Id. No. 32227 FRANCIS S. HALLINAN, ESQ., Id. No. 62695 ONF PENN CENTER PLAZA, SUITE 1400 PHIL.ADFI-PHIA, PA 19103 (21.5)56377000 GMAC MORTGAGE CORPORATION 500 ENTERPRISE ROAD SUITIi150 IIORSHAM, PA 19044-0969 V. RONALD A. CURRAN KATHRYN E. CURRAN 207 RENO AVENUE NEW CUMBERLAND, PA 17070 Plaintiff Defendants ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION TERM NO. OS -q(?(?,S l !vi C CUMBERLAND COUNTY CIVIL ACTION - LAW COMPLAINT IN MORTGAGE FORECLOSURE NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following paPes, you must take action within twenty (20) days after this complaint and notice are served, by eni cnn;; ai -ritten appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle. PA 17013 (800)990-9108 Idc4, 122269 IF THIS IS THE FIRST NOTICE THAT YOU HAVE RECEIVED FROM THIS OFFICE, BE ADVISED THAT: PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.C. § 1692 et seq. (1977), DEFENDANT(S) MAY DISPUTE THE VALIDITY OF THE DEBT OR ANY PORTION THEREOF. IF DEFENDANT(S) DO SO IN WRITING WITHIN THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL OBTAIN AND PROVIDE DEFENDANT(S) WITH WRITTEN VERIFICATION THEREOF; OTHERWISE, THE DEBT WILL BE ASSUMED TO BE VALID. LIKEWISE, IF REQUESTED WITHIN THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL SEND DEFENDANT(S) THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR, IF DIFFERENT FROM ABOVE. THE LAW DOES NOT REQUIRE US TO WAIT UNTIL THE END OF THE THIRTY (30) DAY PERIOD FOLLOWING FIRST CONTACT WITH YOU BEFORE SUING YOU TO COLLECT THIS DEBT. EVEN THOUGH THE LAW PROVIDES THAT YOUR ANSWER TO THIS COMPLAINT IS TO BE FILED IN THIS ACTION WITHIN TWENTY (20) DAYS, YOU MAY OBTAIN AN EXTENSION OF THAT TIME. FURTHERMORE, NO REQUEST WILL BE MADE TO THE COURT FOR A JUDGMENT UNTIL THE EXPIRATION OF THIRTY (30) DAYS AFTER YOU HAVE RECEIVED THIS COMPLAINT. HOWEVER, IF YOU REQUEST PROOF OF THE DEBT OR THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR WITHIN THE THIRTY (30) DAY PERIOD THAT BEGINS UPON YOUR RECEIPT OF THIS COMPLAINT, THE LAW REQUIRES US TO CEASE OUR EFFORTS (THROUGH LITIGATION OR OTHERWISE) TO COLLECT THE DEBT UNTIL WE MAIL THE REQUESTED INFORMATION TO YOU. YOU SHOULD CONSULT AN ATTORNEY FOR ADVICE CONCERNING YOUR RIGHTS AND OBLIGATIONS IN THIS SUIT. IF YOU HAVE FILED BANKRUPTCY AND RECEIVED A DISCHARGE, THIS IS NOT AN ATTEMPT TO COLLECT A DEBT. IT IS AN ACTION TO ENFORCE A LIEN ON REAL ESTATE. File p: 122269 Plaintiff is GMAC MORTGAGE CORPORATION 500 ENTERPRISE ROAD SUITE 150 HORSHAM, PA 19044-0969 2. The name(s) and last known address(es) of the Defendant(s) are: RONALD A. CURRAN KATHRYN E. CURRAN 207 RENO AVENUE NEW CUMBERLAND, PA 17070 who is/are the mortgagor(s) and real owner(s) of the property hereinafter described. On 06/16/1998 mortgagor(s) made, executed and delivered a mortgage upon the premises hereinafter described to CALIFORNIA LENDING GROUP, INC., D/B/A UNITED LENDING GROUP which mortgage is recorded in the Office of the Recorder of CUMBERLAND County, in Mortgage Book: 1462, Page: 126. By Assignment of Mortgage recorded 3/7/05 the mortgage was Assigned To PLAINTIFF which Assignment is recorded in Mortgage Book No. 715, Page 3241. The premises subject to said mortgage is described as attached. 5. The mortgage is in default because monthly payments of principal and interest upon said mortgage due 05/01/2005 and each month thereafter are due and unpaid, and by the terms of said mortgage, upon failure of mortgagor to make such payments after a date specified by written notice sent to Mortgagor, the entire principal balance and all interest due thereon are collectible forthwith. Filc # 122269 6. The following amounts are due on the mortgage: Principal Balance $43,649.07 Interest 2,062.40 04/01/2005 through 09/07/2005 (Per Diem $12.89) Attorney's Fees 1,250.00 Cumulative Late Charges 78.65 06/16/1998 to 09/07/2005 Cost of Suit and Title Search 550.00 Subtotal $ 47,590.12 Escrow Credit 0.00 Deficit 1,543.74 Subtotal $ 1,543.74 TOTAL $ 49,133.86 The attorney's fees set forth above are in conformity with the mortgage documents and Pennsylvania law, and will be collected in the event of a third party purchaser at Sheriffs Sale. If the Mortgage is reinstated prior to the Sale, reasonable attorney's fees will be charged. 8. Notice of Intention to Foreclose as set forth in Act 6 of 1974, Notice of Homeowner's Emergency Assistance Program pursuant to Act 91 of 1983, as amended in 1998, and/or Notice of Default as required by the mortgage document, as applicable, have been sent to the Defendant(s) on the date(s) set forth thereon, and the temporary stay as provided by said notice has terminated because Defendant(s) has/have failed to meet with the Plaintiff or an authorized consumer credit counseling agency, or has/have been denied assistance by the Pennsylvania Housing Finance Agency. WHEREFORE, PLAINTIFF demands an in rem Judgment against the Defendant(s) in the sum of $ 49,133.86, together with interest from 09/07/2005 at the rate of $12.89 per diem to the date of Judgment, and other costs and charges collectible under the mortgage and for the foreclosure and sale of the mortgaged property. PHELAN HALLINAN & SCHM BY I?Fraiicis Ian LAWRENCE T. PHELAN, ESQUIRE FRANCIS S. HALLINAN, ESQUIRE Attorneys for Plaintiff File H: 122269 LEGAL DESCRIPTION ALL THA ` 11N piece or parcel of land situate in the Borough of New Cumberland, Cumberland County, Pennsylvaior particularly bounded and described, to wit: BEGINNI^ ,i,)int on the east wide of Reno Street, fifty (50) feet, eleven (11) inches South of the southern line of Ross Ave, n, c in a southerly direction eighteen (18) feet, five (5) inches to a point; thence in an easterly direction at right ang1, 11 P eno Street, one hundred fifteen (115) feet to a ten (10) foot wide private alley to be used in common with the it xuperty Owners; thence in a northerly direction along the line of said alley, parallel with Reno Street, eighteen ( ive (5) inches to a point; thence in a westerly direction on a line at right angles with Reno Street passing Ili Iz center of a frame party wall one hundred fifteen (115) feet to Reno Street, the place of BEGINNING. HAVIN(. ! i IN ERECTED a three story frame dwelling house. BEING '1 I ,\I !'PREMISES which Jon F. LaFaver, Executor under the Last Will and Testament of Winifred F. Rodgers by Deed dated January 14, 1981, and recorded January 16, 1981, in the Office of the Recorder of Deeds it ,j r ,timberland County, Pennsylvania, in Deed Book G, Volume 29, Page 886, granted and conveyed unto Lloyd Ty; .. :nd Jacquelin C. Tyson, his wife, the Grantors herein. PREMISI , -.( 207 RENO AVENUE. File 4. 122269 VERIFICATION FRANCIS S. HALLINAN, ESQUIRE hereby states that he is attorney for Plaintiff in this matter, that Plaintiff is outside the jurisdiction of the court and or the verification could not be obtained within the time allowed for the filing of the pleading, that he is authorized to make this verification pursuant to Pa. R. C. P. 1024 ( c ), and that the statements made in the foregoing Civil Action in Mortgage Foreclosure are based upon information supplied by Plaintiff and are true and correct to the best of its knowledge, information and belief. Furthermore, it is counsel's intention to substitute a verification from Plaintiff as soon as it is received by counsel. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C. S. Sec. 4904 relating to unswom falsifications to authorities. Francis S. Hallinan, Esquire Attorney for Plaintiff DATE: t /_ C) r? l r 11 Vl1 1 I COD SHERIFF'S RETURN - REGULAR CASE NO: 2005-04695 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND GMAC MORTGAGE CORPORATION VS CURRAN RONALD A ET AL DAVID MCKINNEY , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE CURRAN KATHRYN E was served upon DEFENDANT the at 1835:00 HOURS, on the 12th day of September, 2005 at 207 RENO STREET NEW CUMBERLAND, PA 17070 RONALD CURRAN. HUSBAND by handing to a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 6.00 .00 .00 10.00 R. Thomas Kline 09/13/2005 PHELAN HALLINAN SCHMIEG Sworn and Subscribed to before me this rp day of A.D. Pr-et-nota By: Deputy Sheriff SHERIFF'S RETURN - REGULAR CASE NO: 2005-04695 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND MORTGAGE CORPORATION VS CURRAN RONALD A ET AL DAVID MCKINNEY , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon CURRAN RONALD A DEFENDANT the , at 1835:00 HOURS, on the 12th day of September, 2005 at 207 RENO STREET NEW CUMBERLAND, PA 17070 by handing to RONALD CURRAN a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs Docketing 18.00 Service 13.60 Affidavit .00 Surcharge 10.00 .00 41.60 Sworn and Subscribed to before me this ;_? day of ?A.D. I Pro otary So Answers: v aT y r R. Thomas Kline 09/13/2005 PHELAN HALLINAN SCHMIEG By: Deputy Sheriff 4" r 8MAC?qp vs ?0?I2IO?I Q. 4, et Wl - Case No. 054Uq5- Statement of Intention to Proceed To the Court: T/aid I i ff intends to proceed with the above captioned matter. Print Na °L ka I P. 6W-,14 l Sign Name Fftmet-S • fa ian Date: `7' 23 - Qej Attorney for I" 10- 14 7 1 f --r Explanatory Comment The Supreme Court of Pennsylvania has promulgated new Rule of Civil Procedure 230.2 governing the termination of inactive cases and amended Rule of Judicial Administration 1901. Two aspects of the recommendation merit comment. 1. Rule of civil Procedure New Rule of Civil Procedure 230.2 has been promulgated to govern the termination of inactive cases within the scope of the Pennsylvania Rules of Civil Procedure. The termination of these cases for inactivity was previously governed by Rule of Judicial Administration 1901 and local rules promulgated pursuant to it. New Rule 230.2 is tailored to the needs of civil actions. It provides a complete procedure and a uniform statewide practice, preempting local rules. This rule was promulgated in response to the decision of the Supreme Court in Shop v. Eagle, 551 Pa. 360,710 A.2d 1104 (1998) in which the court held that "prejudice to the defendant as a result of delay in prosecution is required before a case may be dismissed pursuant to local rules implementing Rule of Judicial Administration 1901." Rule of Judicial Administration 1901(b) has been amended to accommodate the new rule of civil procedure. The general policy of the prompt disposition of matters set forth in subdivision (a) of that rule continues to be applicable. II Inactive Cases The purpose of Rule 230.2 is to eliminate inactive cases from the judicial system. The process is initiated by the court. After giving notice of intent to terminate an action for inactivity, the course of the procedure is with the parties. If the parties do not wish to pursue the case, they will take no action and "the Prothonotary. shall enter an order as of course terminating the matter with prejudice for failure to prosecute." If a party wishes to pursue the matter, he or she will file a notice of intention to proceed and the action shall continue. a. Where the action has been terminated If the action is terminated when a party believes that it should not have been terminated, that party may proceed under Rule230(d) for relief from the order of termination. An example of such an occurrence might be the termination of a viable action when the aggrieved party did not receive the notice of intent to terminate and thus did not timely file the notice of intention to proceed. The timing of the filing of the petition to reinstate the action is important. If the petition is filed within thirty days of the entry of the order of termination on the docket, subdivision (d)(2) provides that the court must grant the petition and reinstate the action. If the petition is filed later than the thirty-day period, subdivision (d)(3) requires that the plaintiff must make a show in to the court that the petition was promptly filed and that there is a reasonable explanation or legitimate excuse both for the failure to file the notice of intention to proceed prior to the entry of the order of termination on the docket and for the failure to file the petition within the thirty-day period under subdivision (d)(2). B. Where the action has not been terminated An action which has not been terminated but which continues upon the filing of a notice of intention to proceed may have been the subject of inordinate delay. In such an instance, the aggrieved party may pursue the remedy of a common law non pros which exits independently of termination under Rule 230.2. Coe> {?+ 4 1