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Home My WebLink About05-5470 GOLDBECK McCAFFERTY & McKEEVER By: JOSEPH A. GOLDBECK, JR. ATTORNEY I.D. #16132 SUITE 5000 - MELLON INDEPENDENCE CENTER 701 MARKET STREET PHILADELPHIA, PA 19106 (215) 825-6318 WWW.GOLDBECKLAW.COM ATTORNEY FOR PLAINTIFF MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. PO Box 9481 Mail Code: 22-528-1011 Gaithersburg, MD 20898-9481 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Plaintiff CIVIL ACTION - LAW vs. JULIA A. FETTERMAN WILLIAM I. FETTERMAN Mortgagors and Real Owners 2831 Ritner Highway Carlisle, P A 17013 ACTION OF MORTGAGE FORECLOSURE Defendants Term No. 0)>_ .s'" 70 Cu;;..t '-r;:...., CIVlL ACTION: M~TGAGE P'OMCL()8lJlItf NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after the Complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or obj ections 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 claim in the Complaint of 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 OR CANNOT AFFORD ONE, 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 MAYBE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LEGAL SERVICES INC 8 Irvine Row Carlisle, P A 17013 717-243-9400 CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, P A 17013 AVISO LE HAN DEMANDADO A USTED EN LA CORTE. SI DESEA DEFENDERSE CONTRA LAS QUEJAS PERESENTADAS, ES ABSOLUTAMENTE NECESSARIO QUE USTED RESPONDA DENTRO DE 20 DIAS DESPUES DE SER SERVIDO CON ESTA DEMANDA Y A VISO. PARA DEFENDERSE ES NECESSARIO QUE USTED, 0 SU ABOGADO, REGISTRE CON LA CORTE EN FORMA ESCRITA, EL PUNTO DE VISTA DE USTED Y CUALQUlER OBJECCION CONTRA LAS QUEJAS EN ESTA DEMANDA. RECUERDE: SI USTED NO REPONDE A ESTA DEMANDA, SE PUEDE PROSEGUlR CON EL PROCESO SIN SU PARTICIPACION. ENTONCES, LA COUTE PUEDE, SIN NOTIFICARIO, DECIDlR A FAVOR DEL DEMANDANTE Y REQUERIRA QUE USTED CUMPLA CON TODAS LAS PROVISIONES DE EST A DEMANDA. POR RAZON DE ESA DECISION, ES POSSIBLE QUE USTED PUEDA PERDER DINERO, PROPIEDAD U OTROS DERECHOS IMPORTANTES. USTED DEBE LLEV AR ESTE P APEL A SU ABOGADO ENSEGUlDA. SI USTED NO TIENE UN ABOGADO, V A Y A 0 LLAME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. EST A OFICINA PUEDE PROVEERE CON INFORMACION DE COMO CONSEUlR UN ABOGADO. SI USTED NO PUEDE P AGARLE A UN ABOGADO, EST A OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS QUE PUEDAN OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO 0 GRATIS. LEGAL SERVICES INC 8 Irvine Row Carlisle, P A 17013 717-243-9400 CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, P A 17013 TIDS FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. Resources available for Homeowners in Foreclosure ACT NOW! Even though your lender (and our client) has filed an Action of Mortgage Foreclosure against you, you still may be able to SAVE YOUR HOME FROM FORECLOSURE. I). Call an attorney. For referrals to a qualified attorney call either ofthe following numbers: 717-243- 9400 or . 2). Call the Consumer Credit Counseling Agency at 1-800-989-2227 for free counseling. 3). Visit HUD'S website www.hud.gov for Help for Homeowners Facing the Loss of Their Homes. 4). Call the Plaintiff (your lender) and ask to speak to someone about Loss Mitigation or Home Retention options. 5). Call or contact our office to request the amount to bring the account current, or payoff the mortgage or request a Loan Workout / Home Retention Package. Call Beth at 215-825-6329 or fax 215-825-6429. The figure and/or package you requested will be mailed to the address that you request or faxed if you leave a message with that information. The attorney in charge of our firm's Homeowner Retention Department is David Fein who can be reached at 215-825-6318 or Fax: 215-825-6418. Please reference our Attorney File Number of FN-0827. Para informacion en espanol puede communicarse con Loretta aI215-825-6344. This Action of Mortgage Foreclosure will continue unless you take action to stop it. COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff is MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., PO Box 9481, Mail Code: 22-528-1011 Gaithersburg, MD 20898-9481. 2. The names and addresses of the Defendants are JULIA A. FETTERMAN, 2831 Ritner Highway, Carlisle, PA 17013 and WILLIAM I. FETTERMAN, 2831 Ritner Highway, Carlisle, PA 17013, who are the mortgagors and real owners of the mortgaged premises hereinafter described. 3. On May 30, 2002 mortgagors made, executed and delivered a mortgage upon the Property hereinafter described to AMERICAN HOME BANK, N.A., which mortgage is recorded in the Office ofthe Recorder of Deeds of Cumberland County as Book 1761, Page 2711. The mortgage has been assigned to: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. by assignment of Mortgage which assignment is lodged for recording. The Mortgage and assignment(s) are matters of public record and are incorporated by this reference in accordance with Pennsylvania Rule of Civil Procedure 10 19(9); which Rule relieves the Plaintiff from its obligation to attach documents to pleadings ifthose documents are matters of public record. 4. Mortgage Electronic Registration Systems Inc. is or will be, the owner oflegal title to the mortgage that is the subject of this action, and nominee for Citimortgage, Inc., which is the owner ofthe entire beneficial interest in the mortgage. 5. The Property subject to the Mortgage is more fully described in the legal description set forth as Exhibit "A" ("Property"). 6. The mortgage is in default because the monthly payments of principal and interest are due and unpaid for July 01,2005 and each month thereafter and by the terms the Mortgage, upon default in such payments for a period of one month or more, the entire principal balance and all interest due and other charges are due and collectible. 7. The following amounts are due to Plaintiff on the Mortgage: Principal Balance Interest from 06/01/2005 through 10/31/2005 at 7.2500% Per Diem interest rate at $27.88 Reasonable Attorney's Fee at 5% of Principal Balance as more fully explained in the next numbered paragraph Late Charges from 07/01/2005 to 10/31/2005 Monthly late charge amount at $49.84 Costs of suit and Title Search Escrow FHNPMI Premium Foreclosure Charges Servicing Fees Unpaid Previous Late Charges Unapplied Funds Monthly Escrow amount $299.33 $140,342.98 $4,265.64 $7,017.15 $569.22 $900.00 $633.52 $109.78 $121.00 $27.00 $369.86 -$1,016.89 $153,339.26 8. If the Mortgage is reinstated prior to a Sheriffs Sale, the Attorney's Fees set forth above may be less than the amount demanded based on work actually performed. The Attorney's Fees requested are in conformity with the Mortgage and Pennsylvania law. Plaintiff is entitled to collect Attorney's fees of up to 5% of the remaining principal balance in the event the Property is sold to a third party purchaser at Sheriffs Sale or ifthe complexity of the action requires additional fees in excess ofthe amount demanded in the Action. 9. Plaintiff is not seeking a judgment of personal liability (or an "in personam" judgment) against the Defendants in this Action but reserves its right to bring a separate Action to establish that right, if such right exists. If Defendants have received a discharge of their personal liability in a Bankruptcy proceeding, this Action of Mortgage Foreclosure is, in no way, an attempt to re-establish the personal liability that was discharged in Bankruptcy, but only to foreclose the Mortgage and sell the Property pursuant to Pennsylvania law. 10. The Mortgage is insured by the Federal Housing Administration under Title II ofthe National Housing Act and, as such, is not subject to the provisions of Pennsylvania Act No. 91 of 1983 or Act 160 of 1998. WHEREFORE, Plaintiff demands a de terris judgment in mortgage foreclosure in the sum of$153,339.26, together with interest at the rate of$27.88, per day and other expenses, costs and charges incurred by the Plaintiff which are properly chargeable in accordance with the terms of the Mortgage and Pennsylvania law until the Mortgage is paid in full, and for the foreclosure ofthe Mortgage and Sheriff's Sale ofthe Property. By: ~ a~;JJ'~l- . LD CK'McC FERT & McKEEVER Y: JOSEPH A. GOLDBECK, JR., ESQUIRE ArrORNEY FOR PLAINTIFF , . VERIFICATION I, Donald B. Grit f in , 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: (1: -19. c-( ~~-_.. Donald B. Griffin, Vice President c&fii6it Jl " ' . .- - --; ":': .~:.~~~;:'i '!t< ". LEGAL DESCRIPTION "..' .. . , ALL thaI certain tract of land with the improvements thereon erected, siNate in We'l Pennsboro Township, Cumberland County, Pennsylvania, bounded and described in accordance with a Subdivision Plan for Lany E. Jackson, recorded in the Office of the Recorder of Deeds for Cumberland County in Plan Book 33, Page 149, as follows: BEGINNING ata nail in the center of U.S. Route II; thence by land now or formerly of Robert A. Suloman, North 17 degree. Wesl and through an iron pin 25.03 reet from the point of beginning, 265 feet to an iron pin; thence by land aboullo be conveyed to GrKe S. lackson, North 70 degrees 05 minule. 55 seconds Eas1132.21 feello a poinl in a macadam drive; thence in said drive, South 17 degree. 53 minutes 58 seconds Easl and through a nail 25.02 feet from the end or said caU, 264.82 feel 10 a nail in the cenler of U.S. Route II aforesaid; thence by the cenler of said Road, South 70 degrees 5 minutes 55 seconds Wcsl136J7 feet 10 the Place of BEGINNING. BEING Lot No. I A on the Subdivision Plan aforesaid; and being improved with a dwelling house. ------ -'~--' -~~- . " - -. --.'-. Recorder of Deeds ~ BK I 7 6 I PG 2 7 2 0 n ~, CJ r~ ! C C , '" 'c~.n ~ a ::=! c -, ~ ~ F \.D e -4) IJ", -- c;--. Co) -- l,.; "" :73 ...." .r.;- V"\ ~-:' ,"'" "'" v-, "" 'd -..:> ^ SHERIFF'S RETURN - REGULAR . CASE NO: 2005-05470 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND MORTGAGE ELECTRONIC REGISTRATI VS FETTERMAN JULIA A ET AL WILLIAM CLINE Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon FETERMAN JULIA A the DEFENDANT at 1004:00 HOURS, on the 24th day of October 2005 at 2831 RITNER HIGHWAY CARLISLE, PA 17013 by handing to JULIA FETTERMAN 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 7.68 .00 10.00 .00 35.68 rg~~~<-.~ R. Thomas Kline 10/25/2005 GOLDBECK MCCAFFERTY MCKEEVER Sworn and Subscribed to before By: "d~ 'V~ ' ? Deputy S riff 0::. 'l ~ day of me this 7u A.D. . SHERIFF'S RETURN - REGULAR . CASE NO: 2005-05470 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND MORTGAGE ELECTRONIC REGISTRATI VS FETTERMAN JULIA A ET AL WILLIAM CLINE , Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon FETTERMAN WILLIAM I the DEFENDANT , at 1004:00 HOURS, on the 24th day of October 2005 at 2831 RITNER HIGHWAY CARLISLE, PA 17013 by handing to JULIA FETTERMAN, 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: 6.00 .00 .00 10.00 .00 16.00 ~~~~.~-' R. Thomas Kline 10/25/2005 GOLDBECK MCCAFFERTY MCKEEVER Sworn and Subscribed to before By: L~^ vi ~ Deputy Sheriff ~ me this K. 9' day of 7'Lt;V40",k /tJh.: A.D. (!~ry II MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. Plaintiff : IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA v. : NO. 2005-5470 CIVil TERM JULIA A. FETTERMAN and : CIVil ACTION - lAW WilLIAM I. FETTERMAN, Defendants ANSWER TO COMPLAINT Defendants, Julia A. Fetterman and William I. Fetterman, by and through its attorneys, Turo law Offices, respectfully submits the following answer to the Complaint in Mortgage Foreclosure filed by the Plaintiff, Mortgage Electronic Registration Systems, Inc. ("MERS"). 1. Admitted. 2. Admitted. 3. Admitted. 4. Admitted. 5. Admitted. 6. Denied. Defendants worked diligently with CitiMortgage, Inc. to resolve past-due installments caused by medical expenses for a heart attack suffered by defendant William Fetterman. CitiMortgage had established a repayment schedule in a letter dated March 7, 2005 (copy attached as Exhibit "A"), which schedule the defendants followed precisely. Payments were made according to this schedule through July 31, 2005, and were recorded by the defendants by hand (see Exhibit "B", attached hereto), which payments were confirmed in a payment history provided by CitiMortgage, Inc. through June 7, 2005. (See Exhibit "C" attached hereto). When the defendants called on August 31, 2005 to make the next scheduled payment, the next to last on the repayment schedule, CitiMortgage, Inc. refused to accept the payment by phone, the means by which most previous payments had been made. II 7. Denied. Defendants dispute the amount owed to Plaintiff. This amount is inflated by plaintiff's failure to apply all funds remitted by defendant, thereby incurring additional interest and late charges. Proof of all amounts due is demanded at trial. 8. No answer required. To the extent this averment requires an answer, it is denied. 9. No answer required. To the extent this averment requires an answer, it is denied. 10. Admitted. WHEREFORE, for all the reasons set forth above, the Defendants, Julia A. Fetterman and William I. Fetterman, request this Honorable Court to dismiss the Defendant's Complaint. Respectfully Submitted TURO LAW OFFICES tI- d..~ - 05 Date _l.'li\.'P~"iJi'''''l'~~'.I;~'~"P,'''''''"",,,lIl='W'''"'''l!l'l!l citiiT Oi"t<JaqL' .. Page Two 03/07/05 0001821002 PLEASE KEEP THIS PAGE FOR YOUR RECORDS All payments must be received in our office by the close of business on the indicated due date. Payments Ufl(jer this agreement must be sent to: CitiMortgage. Inc., P.O. Box 8003. S. Hackensack, NJ 07606-8003. l-f---Y.-ou---j3-r-'e.f.€r--.-t-e'--s-enG-~y.GYrL~-y-meM-----by~-e x-p.r...e-&5,--ma':l--l+-,-:t....LS.@..:--~~-'.l:.Q.-w-i-n-g--. address: CitiMortgage, Inc., Attn: Payment Mail Opening, 111 Sylvan Ave.. Englewood Cliffs, NJ 07632, If you have been previously notified of a personal check restriction on your account, your payment under thl$ plan must be in the form of a certified check, cashiers check or money order. If you fa; 1 to make any payment as promised. this agreement will be cancelled and. if appropriate, foreclosure proceedings will be initiated. All provisions of the Note and the Mortgage/Deed of Trust shall remain in full force and effect. NOTE: This plan is subject to revision if you have an adjustable rate change or an escrow analysis which changes your payment amount. You must contact our office immediately if you receive notice of a payment change so we can make the appropriate revisions to your plan. If your regular mortgage payment changes. this plan may ['0 longer be sufficient to bring your loan current and/or satisfy all provisions of the Note and the Mortgage/Deed of Tr'ust. Your account will continue to be reported as delinquent to our credit reporting agencies until you bring your- account current. The repayment terms of this arrangement are as follows: ---,,--------- i\MOUNr-----.~.-- .--RE€EfcVE1}-_--~-~~_.-.~_.----.- --.--..---..-. .----.-- $1,224.32 $1,772,21 $1,772.21 $1,772.21 $1,772.21 $1,772,21 $1.772.21 03/31/05 04/30/05 05/31/05 06/30/05 07/31/05 08/31/05 09/30/05 05030780000169 EXHIBIT I ~ A \1 Lri7-{Mh& J ,?eCfJrzD OF My. J11f711T~ 3;:?s/0c-> C4$~5 cAdu '1'77-5 'd,)S,. de> rt;{i- C:;'f/O~!~~~:J-~(~~~) ,;, (3 0(Cr g- c..K l 10 ') J ;J!15 <0, u r ~t.{5~(J 'Zr ?!3/joS- C<Y< #- //?,'h 71 /'60'/, I! (S02.-N'11f) (jIb I I oS /f(I'rM4- /~ EXHIBIT I II &" , ern mortgage" PAYMENT HISTORY Loan #, 0001821002 TRANSACTION AMOUNT PRINCIPAL INTEREST ESCROW LATE CHARGE --------------------------------------------------------------------------- -----------------~---------------------------------------------------------- OTHER AMTS. 03/03/04 HUD -56.16 0.00 0.00 03/22/04 PAYMENT - PAID TO, 03/01 1253.73 111.69 859.21 03/24/04 CITY TAX -315.74 0.00 0.00 04/05/04 HUD -56.16 0.00 0.00 04/20/04 PAYMENT - PAID TO, 04/01 1253.73 112.37 858.53 05/03/04 INSURANCE -472.00 0.00 0.00 05/05/04 HUD -56.16 0.00 0.00 06/03/04 PAYMENT - PAID TO, 05/01 1253.73 113.05 857.85 06/03/04 HUD -56.16 0.00 0.00 07/06/04 HUD -55.55 0.00 0.00 07/26/04 PAYMENT - PAID TO, 06/01 1253.73 113.73 857.17 08/04/04 SCHOOL TAX -1496.82 0.00 0.00 08/04/04 HUD -55.55 0.00 0.00 08/13/04 PAYMENT - PAID TO, 07/01 1224.32 114.42 856.48 09/03/04 HUD -55.55 0.00 0.00 09/28/04 PAYMENT - PAID TO, 08/01 1273.29 115.11 855.79 10/05/04 HUD -55.55 0.00 0.00 10/26/04 PAYMENT - PAID TO, 09/01 1224.32 115.80 855.10 10/26/04 SINGLE RECEIPT 48.97 0.00 0.00 10/26/04 SINGLE RECEIPT 1.71 0.00 0.00 11/03/04 11/22/04 12103/04 12/28/04 01/13/05 01/13/05 01125/05 02107/05 02/10/05 02/15/05 02/15/05 03/08/05 03/08/05 03/25/05 03/25/05 03/28/05 ~UM)ll~IOl HUD -55.55 PAYMENT - 1273.29 HUD -55.55 HUD -55.55 PAYMENT - 1224.32 SINGLE RECEIPT 48.97 ASSESSMENT -9.00 HUD - HUD -55.55 SINGLE RECEIPT 0.00 PAYMENT - 1224.32 SINGLE RECEIPT 48.97 HUD - HUD -55.55 ASSESSMENT -9.00 PAYMENT - 1224.32 SINGLE RECEIPT 0.68 ASSESSMENT 0.00 PAID TO, 10/01 116.50 0.00 854.40 0.00 0.00 853.69 0.00 0.00 0.00 0.00 852.98 0.00 0.00 0.00 852.27 0.00 0.00 0.00 PAID TO, 11101 11 7.21 0.00 0.00 0.00 0.00 PAID TO, 12/01 117.92 0.00 0.00 0.00 PAID TO, 01/01 118.63 0.00 CitiMortgage, Inc. does buSinds as-Citicorp Mortgage in MT and NM. -56.16 234.61 -315.74 -56.16 234.61 -472.00 - 56.16 234.61 - 56.16 -55.55 234.61 -1496.82 -55.55 253.42 -55.55 253.42 -55.55 253.42 0.00 0.00 -55.55 253.42 -55.55 -55.55 253.42 0.00 0.00 -55.55 1.71 253.42 0.00 -55.55 0.00 253.42 0.00 48.22 48.22 48.22 48.22 48.97 48.97 48.97 48.97 WWW.Cltrn10ngage.com EXHIBIT j It \\ C A member of cltlgrOup"'j"' em mortgage'" PAYMENT HISTORY Loan #, 0001821002 TRANSACTION AMOUNT ESCROW LATE CHARGE --------------------------------------------------------------------------- --------------------------------------------------------------------------- OTHER AMTS. PRINCIPAL INTEREST -9.00 0.00 0.00 0.00 04/03/05 CITY TAX - WEST PENNSBORO TOWNSHIP -337.44 0.00 0.00 -337.44 04/06/05 HUD - HUD -55.55 0.00 0.00 -55.55 04/28/05 ASSESSMENT -9.00 0.00 0.00 0.00 05/03/05 PAYMENT - PAID TO: 02/01 1224.32 119.35 851. 55 253.42 05/03/05 SINGLE RECEIPT 547.89 0.00 0.00 0.00 05/04/05 INSURANCE - ALLSTATE INSURANCE COMPANY -516.00 0.00 '0.00 -516.00 05/05/05 HUD - HUD -55.55 0.00 0.00 -55.55 05/31/05 ASSESSMENT -9.00 0.00 0.00 0.00 06/01/05 PAYMENT - PAID TO, 03/01 1224.32 120.07 850.83 253.42 06/01/05 SINGLE RECEIPT 547.89 0.00 0.00 0.00 06/01/05 ASSESSMENT -15.00 0.00 0.00 0.00 06/01/05 PAYMENT 15.00 0.00 0.00 0.00 06/07/05 HUD - HUD -55.55 0.00 0.00 -55.55 CURRENT BALANCES - PRINCIPAL 140707.55 ESCROW 566.07 050701D0001740 ,UG-i,O,illJ CitiMongage, lnc. does buSine~ as-Cicicorp Mongage in MT and NM. WVvW.citimortgage.com A mpmhf'r of CltIOroUO"'" 'II MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. Plaintiff : IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA v. : NO. 2005-5470 CIVIL TERM JULIA A. FETTERMAN and : CIVIL ACTION - LAW WILLIAM I. FETTERMAN, Defendants : MORTGAGE FORECLOSURE VERIFICATION I verify that the statements made in the foregoing Answer to Complaint are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. 94904 relating to unsworn falsification to authorities. ! I 1/ , .-- --:---) ,- (../ ~-..~ Date !/~ 1-0-S- t1A~ tih J V~ 'v William I. Fetterman Date 'II CERTIFICATE OF SERVICE I hereby certify that I served a true and correct copy of the Defendants' Answer , upon Joseph A. Goldbeck, Jr., Esquire, by depositing same in the United States Mail, first class, postage pre-paid on the 22nd day of November, 2005, from Carlisle, Pennsylvania, addressed as follows: Joseph A. Goldbeck, Jr., Esquire Goldbeck, McCafferty & McKeever Suite 5000 - Mellon Independence Center 701 Market Street Philadelphia, PA 19106 TURO LAW OFFICES , '/ - , " ;'i" ~ ;'-11 0_' f'0 'f',) -..~