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HomeMy WebLinkAbout05-5913 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA CIVIL DIVISION CHASE HOME FINANCE, LLC, slb/mlt Chase Manhattan Mortgage Corporation, NO.: D 5 - S"9/.:3 c;u~L'- JLr'U7\ Plaintiff, vs. TYPE OF PLEADING: CHRISTOPHER J. KAUFMAN, CIVIL ACTION-COMPLAINT IN MORTGAGE FORECLOSURE Defendant. FILED ON BEHALF OF PLAINTIFF: TO DEFENDANT You are hereby notified to plead to the ENCLOSED COMPLAINT WITHIN TWENTY (20) DAYS FROM SERVICE HEREOF Z l J .' lc oJ, , "- L/l( at. (it j. \. / ATTORNEY FOR PLAINTIFF Chase Home Finance, LLC, slb/mlt Chase Manhattan Mortgage Corporation COUNSEL OF RECORD FOR THIS PARTY: I HEREBY CERTIFY THAT THE ADDRESS OF THE PLAINTIFF IS; 3415 Vision Drive Columbus, OH 43219 Kristine M. Anthou, Esquire Pa. LD. #77991 AND THE DEFENDANT IS; GRENEN & BIRSIC, P.C. One Gateway Center 9 West Pittsburgh, PA 15222 (412) 281-7650 16 Laurel Drive Mechanicsburg, PA 17055 .... L ,. d lY lh L tL ,-77({,( f 't. tf~ ATTORNEY FOR PLAINTIFF CERTIFICATE OF LOCATION I HEREBY CERTIFY THAT THE LOCATION OF THE REAL ESTATE AFFECTED BY THIS LIEN IS 16 Laurel Drive Township ofUooer Allen (CITY, BORO, TOWNSHIP) (WARD) ~ (" /v I' . ^' ;'i7C ad ,f f ,<---/, ATT NEY FOR PLAINTIFF IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA CHASE HOME FINANCE, LLC, slb/mlt Chase Manhattan Mortgage Corporation, CIVIL DIVISION Plaintiff, NO.: vs. CHRISTOPHER J. KAUFMAN, Defendant. NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claim set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights 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. Cumberland County Bar Association 2 Liberty Avenue Carlisle, P A 17013 Phone (800)990-9108 J IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA CIVIL DIVISION CHASE HOME FINANCE, LLC, slb/m/t Chase Manhattan Mortgage Corporation, Plaintiff, NO.: 0$ - S9p:, Oiu:l ~8L~ vs. CHRISTOPHER J. KAUFMAN, Defendant. CIVIL ACTION - COMPLAINT IN MORTGAGE FORECLOSURE Chase Home Finance, LLC, slb/m/t Chase Manhattan Mortgage Corporation, by its attorneys, Grenen & Birsic, P.C., files this Complaint in Mortgage Foreclosure as follows: I. The Plaintiff is Chase Home Finance, LLC, slb/mlt Chase Manhattan Mortgage Corporation, which has its principal place of business at 3415 Vision Drive, Columbus, Ohio 43219. 2. The Defendant, Christopher J. Kaufman, is an individual whose last known address is 16 Laurel Drive, Mechanicsburg, PA 17055. 3. On or about March 27, 2003, Defendant executed a Note in favor of The Washington Savings Bank, FSB in the original principal amount of$19,800.00. 4. On or about March 27, 2003, as security for payment of the aforesaid Note, Defendant made, executed and delivered to The Washington Savings Bank, FSB a Mortgage in the original principal amount of$19,800.00 on the premises hereinafter described, said Mortgage being recorded in the Office of the Recorder of Deeds of Cumberland County on April 4, 2003, at Mortgage Book Volume 1804, Page 1491. A true and correct copy of said Mortgage containing a description of the premises subject to said Mortgage is marked Exhibit "B", attached hereto and made a part hereof. 5. The Washington Savings Bank, FSB assigned all of its right, title and interest in and to aforesaid Note and Mortgage to Plaintiff pursuant to a certain Assignment of Mortgage. 6. Defendant is the record and real owner of the aforesaid mortgaged premises. 7. Defendant is in default under the terms of the aforesaid Mortgage and Note for, inter alia, failure to pay the monthly installments of principal and interest when due. Defendant is due for the July I, 2005 payment. 8. On or about September 8, 2005, Defendant was mailed a combined Act 91 and Act 6 Notice, in compliance with the Homeowner's Emergency Mortgage Assistance Act, Act 91 of 1983 and Act 6 ofI974, 41 P.S. g101, et seq. 9. The amount due and owing Plaintiff by Defendant is as follows: Principal Interest to 1118105 Late Charges to 1118/05 Escrow Deficiency to 1118/05 Corporate Advances Suspense Balance Attorney's fees Title Search, Foreclosure and Execution Costs $17,444.30 $ 718.06 $ 51.15 $ 0.00 $ 0.00 ($ 195.32) $ 1,250.00 $ 2.500.00 TOTAL $21,768.19 WHEREFORE, Plaintiff demands judgment in mortgage foreclosure for the amount due of$21,768.19 with interest thereon at the rate of $4.46 per diem from November 8, 2005, and additional late charges, additional reasonable and actually incurred attorney's fees, plus costs (including increases in escrow deficiency) and for foreclosure and sale of the mortgaged premises. GRENEN & BIRSIC, P.C. /'" (,' ~ . '(U:...tuc/)( (Ci ud "-- BY: Kristine M. Anthou, Esquire Attorneys for Plaintiff One Gateway Center, Nine West Pittsburgh, PA 15222 (412) 281-7650 THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. EXHIBIT "A" 04/13/2003 08'03 .HE WASHltlGTOfl SAvlt(;S 8At-lK .." . 91216479.2'792 , V lID. 864 '-' RECORD Al'o"]) REnJRN TO THE W ASHDiGTON SAVINGS BA.'lK, FSB 4201 MITCHELL vn.LE ROAD, SUITE 300 BOwm, MD 20716 Puttl Number: I MORTGAGE Lean 1D # PP1598RF TIllS MORTGA.GE i. DWIe Ibis 27th Christopher J. Eaufman day of March. 2003 . between the Mortst.gor. (hd't'ln "Borrower"), and the Mortgagee, The wa.sh1nge;an Saving. Bank, PSB . a corpantioD orgllJ..iz.td .and WSWlg UodCT tile Jaws of TIlE maTED STATZS OF >>mRICA , whose address LS "301 Kitchellville Road, see. 300, B0'lt1e, Maryllllnd. 20716 (herein "Lcnckr"). WHEREAS. Borrower is iDdebted It) LenGer in Ihe pnncipalsum. of U.S. S 19.800.00 . wh1eb mdebtcdDes4 is evidenced by Borrower's Dote 4ated W-.rc:.h 21 tho 2003 and e:ltenaio.u aDd rcntW'W thereof (herem "Notc"), providing (Ot monthly lnstallmmU of principal and intert:!t, 1\/ith the balance of the indebttdneu, it DOl sooner p.lid, due and payable on ApJ:ll 1st. 2018 TO SECURE IO U:o~ the rtp.ayroenl of the ;ndebledne$s evidenced b). the Note, witb interest Ibenon; the paymtnt of all other SlUN, with nuerest !hereon, idvanced In accordance berewitb to prottCt {be security of this M011:,i.le; ..aDd me pedormmce of the coven~U and agreements of Borrower b~ UlDWned, Bono\\'tr 40es bcttby mongage, grant md eouvey to Lender the foUowlD.& desenbed property loClted in the COUlIty of CUmberland . SUte of Prnns)"lvania: POR LEGAL DESCJlIPT10N SEE SCHEDULE "A" A'J:TACHED AND MADE A PAliT DRE07 PENNSYLVANIA. SECOND Ma",.,.. . 1180. "~"'II'IlLMC "''II10R'" INSTIUJMENT I,.,iaIs; ~ A..... I'ona 3139 PAZM1G-03z7Z001 h:elor7 ..-.MIIrt~db~jtlelDS.tom 0011 04/10/2003 08:03 .HE f',fj.864 '-' 91216479.2792 , \J WASHINGTOH SAU[NGS 8At.JK ... . Loan ZD . PP1S9aRF which has the address of Mecbanicaburv (cOy) Pennsylvania Hi Laurel Drive, (SO'ec:l) (hC't;l.D -Property Address.); 17QSS {'ZlPCod<I TOGETHER WlUl all the improvemenu now or heremer erected on the propttty. and all ~u, righlS, appurtenance! and rent$", all of which shall be deemed to be and retmm a part of the property covered by this Mortgage: .aDd all of the foreeoing. together with uld property (or rhe )eastholcl eswe if l:ltis Mongage is on a least'hold.) are herema:fter mmed to as the "ProperlY.. Borrower covtnant5 that BorrowrT is lawfully sei~d of the estate hereby conveyed and. ba:s the n&ht to mortpgt:. grant and con\'ey the Property. and Ihat the Property is unencumbered. except (or tncumbranccs o( record. Borrow" COVtnlntS lb..1t BorrowtT warrants and ",.m ddend geoenUy the 1ille 10 the J:lroperty qaJD.!I. aU da.ims aDd demands, subjm to Cl.cumbrancu of record. UNIFORM COVEN^NTS. Bonower and Lt-nder ro\'enant and agree as follows: 1. Payment or Principal and InttrtS~. Borrower shall promptly pay wben due the princjpal and iDterm Indebtedness ~idCDced by the Note and latc charges K provIded J:) the Note. 2. FUnds for Taxes and Insurance. Subject 10 apphcable law or a wrinen waiver by Lender, Borrower ,~ p.i!Y 10 Lender on lhe d4lY moD1hJy payment! of pnndpil acd h:llere5t m P'Jyable \U1der the Nott, unlll the Note is paid irl full. a sum (herein .Funds") eq~ to oDL~.tllleJfth of the yearly tu.e! and assessmentS (weluding condominium and planned unll development assessmenU, I( .Q:ly) ~hich In1Y attain priorily over this Mong.ttt and ground reDt! on tht: Proptrty. if any, plus <lJ1CootweItth of ywiy premiwn uuwlmcnu for hazard insurGDCe, plus one.I'l1o-tlflh of yearly pTaU1um inswl.mtnts for mongilge Insurance, if any. all as re.uooably estinwcd mitiaUyal)d from rime' to time- by Len.der oc the basu of asscssmetltS md bilb and reasonable tstimale:s Ihm~of. Borrower aball Dol be obhgattd 10 make such paymtnu of Funds to Lender to the extent thai BorrowtT makes such p.ymt::D.u: 10 the bolder of a pnor mortgage or deed of trusl if such holder is an iDStltul1ODallender. Jf Borrower pays Fundi to Le:ndel. the Funds shall be held in an mstitut10n tbe deposit' or accowns of which are lOsurtd or guaranteed by ~ federal or ll:ue agency (locludin: troder if Le:nder is rueh au in,tiD.1tion). LeDder shall apply the Punds 10])<lY said lues, U5C'S5mtnls. i.n.suranet: pmmums and Uouml rmb. Lender may not clw'ge for.so bolding and applymg the FUDds, analyzing sald acc.owu or verifyltlg and COJ'l1liliag $aJd assessmenI~ ilIl.d bills. unleu Lender pays Bonower lntert$t 011 the Funds and appbcable law pennits Lender to make such 3 clw~e. Borrower and Lender nuy agree in wnnng at the tune of execuUon of thu: Monsage thal intereSt on the Funds shall be paid to Borrower, and unless such agreanen.l IS made or appbcable law requlJ't:5 such inlerest to be p:ud, Lender sh.aIl Dot be re'lwred 10 pay Borrower my inlere$l or eunin,s on the Funds. lender shall give to 'Borrower. withou~ <..barge. an annual accounl1ng of the Funds sho\\ing cm:bts and. debItS 10 the Funds IIId the purpose for wbich each debit 10 the Funds was m.2d~. The Funds art pledgrd as additional :ecwity for the swns secu.n:d by this Mortgage. If the :unount of the Funds held by Lender, together with rhe fuMe monthly installromu ot Funds payable prior IO the due date! of taXes, asse.s.tmenLS, uuunmce premIums 4Dd ground rentl. shall e.lcud the.amount required to pay S3J.d taxes, assessmentS, msurance premiums and grouod reuts as they fall due, such excess shall be. at BorroMr', option, C1ther promptly repaJ.o to Borrower or credited to Borrower 0J1 monthly instal1menu of Fun4s. If the amount of the Funds held by lrnder ~all not be iUfficlenl to pay taXes, :wessmmts. lruuranee premiums and ground rel)~ as they fall due. BonQwtt shall pay to under any amounl Dtc:etisary t(l make up the defici~cy in ODe' or more paymeDtS .is Letlder may requjre. Upon paymt:Dt 10 full or all sums: :secured by lhl$ Mortgage. Ltndtr shall promptly refund to Borrower any Punds held by Under. If under paragraph 11 hereof the Property Is sold or the Propetty is 01herwlSe acqUll'ed by Lender. Lender shaIl apply, no latet' than immedlale1y prior to me sale of the Property or us acquuhioD by PAZMIG.0327.1oo1 lruual<: etJk , lOJ"l1J1I39 ~ ~:aft.BanJdD:S:J'!l'='com '~t2I1r7 li012 \34/10/20\33 08'03 .HE . 312164792732 II '''-.J WASHIt~GTOt.J SAUIt.J3S m<< .. t.JQ.864 ."J Loan ~D * PPlS9SRF Lender, any Funds held by Lendtr at Ihe lime of ~pr>llcatlon as.1 en. 'chI agllMt the sums secured by this lI.lortg:a.J,e', 3. Application 01 Paymtnts, Unless applicable law provide! otherwise. all payments rec.ei.Vecl by lnlder under the Nou and panuapbs I and 2 hereof stall be ~pplled by Lender first in payment of ltI'JOUlIrs payable to Lalder by Borrower UDder paragraph 2 hereof, lhcn to inu:reJ( payable on the Note, and tbr:n to lhe principal of tbeNolt. 4. Priar Mortgag~ and Deeds 01 Trust; Charges; Liens. Borrower shall perform aJl of BOlTo~'s obhgations under :any mortgage, deed of I.ru$l or other u:cunty agreement With a brn which ~ pnority over thIS: Mongage, weludLng Bortower', covenants 10 lTIJke payme:olS when due. Borrower shall payor cause to be paid all wes. assessments and otht!f charges, fines .aru1 impositions ~ttnbutablt [0 the Property wh1Cb may attain a priority Qver tbl$ Mon~e, and Ieuebold payments; or ground rentS, if UlY S. Hazard lDsuro.nct. Bonower shaH keep the improvements now existing or btttaf1er crccted on me Propeny l.Ilsured .agauut Iou by ftre. b.uards mcluded wnrull. the term -(:;(u:nded COVeJ'3Ie',. and suc:b other hazard, u Lender may require and in such amounLS and for suc.b periOds as Leader may require. The insurance cartier providing the insurance shall be chosen b}' Borrower SUbjCCllo .1ppro\.aI by l.eJ1der; prOVIded. that such approval shall not be llnreasonably ""lthhdd All msuranc.e poliCIes and renCW2ls lht:reof shall be In a form acceptable to Lrnder and sh~H Include a standard mon(:41ic claust ID favor of and 10 a fonn 3Ccep~bk (0 Leoder. Lender shall have the ",hi to hord thl' policies aDd reoewals thereof, rubJClCt to the ltnm of :my moIt&:aa:e. deed of trust or o[])er se'C\1nty agreement \\;m a lien which has priority over tbis Monglge. III the tvCDl or Joss, &rrowe-r sZWI gh'e prompr notice 10 me IJI1UriDct emicr aDd Lender l...t.lJ<<r may make proof of Iou it DOt made prompU)' by Borrower, If tht Property is abandoIled by Borrower. or If Borrower fillls to respond to Lender within 30 days frOOl the date notlce IS mailed by Lendtl' to Borrower lhat the uuurance C3JTltT offers to senle a cb1m for iDsur.lDCC bene:tiu, Lender 15 aulhonzcd to oollea and lpply the insuriiID'-C proceeds at Lender', option ather to restotaLion or repair ot the Propeny or to tbe sums SCC\IItd by Uu.s Mongagc. 6. PreservatiOD aud MaiDIm&atc of PtOpertYi Leaseholds; CondomiWums; Planned Unit Developmrots. Borrower sball k<<p me Proptrty ill good repair and shall Me comnu[ waste or pmnit impainnent Or deterioration or the Pcopert). and shall comply ~nh the proY1S10m. ot any lease if thit Mortgagc i! 00 a leasehold. If ibiS Mortgage is on 11 unit in a COl:lcorTlllUum or a p13DJ:1ed unit development, Borrower shall perform all of Borrower's obligauon! under the declaration (jr COv~ts creatin.;: or govermng the condominiwn or pl2IiXled unit c1evcIOp~t, the by-laws and regulations of the condominlwn or planned unit develOpmeul, aud constlruent documents. 7. Protectioo of Leodu's Seauity. 1t Bol'Towcr fails to perform the COVC:Dants and ap-ccmtnts contaiJled i.c thiS Mortgage. or it aay ac'ttOQ OT p~di.cg IS colJ1tDeDced which maferWJy :l!f~ l...eoder', interest I.D. the Property, theu Lender, at Under', option, upon notlce 00 Borrower. may mah sueh appearanee$. disburit: rucb nuns:, incllldmg re.asonab)e anomers' re:es.. and take such aclion as. is DtttSsat). to PIOtect Lender', interest. I( L..enc.1er required mongage in~urance as a condition of making the loan secured by tlus Mongage, Borrower shall pay the prenuums rcquut4 to maintain sudl insurance in efitel until such time .. the requitC:IDeslf for sucb msurance terminates in .u;:cordance wuh Borrower's aIld Lender's wrltlt1J. agreement or applicable law. Any amounlS disbursed by Lendtr pursuant to lbis paragr;aph 1. .....Ith I.D.terest menao. at the Note rate, shAll become additional indebtedness of Borr(jwcr secured by thiS Monaage. Unless Borrower and. Lender agree to other !emu of pa)'lntnf, sucb amotlZlU shalJ be pa)'lble upon DOI'iCC' from Under to Borrower rrqucst.i.cg pa~ thereof. Nothlll& conu.med in Ous pvagraph 7 shall require ~er to incur illY expense or cake any attioo. he:ramder. PAVoCG-03271001 Inillals: r;Yk FlIrm~ "'.......,Martr:aCtBanlcmaS,Slem5.fllRl hltJof7 D013 13~/ 10/2003 . BAlf< , . , ~. 9~2164792?92 4IlIIIl '--' t..o.864 wASHIt.GTON SAU1NGS . 00:03 Loan 1D * PP~S'8RF 8. 1nspertiDD. Lender may make or cause 10 be made reasonable erllrles upon and lI1SptC1U)OS of the Propc1'tY, provided that Lender mall give Borrower nouee pnor to any Iud! lnspection spe<:\fying rusonable cawe !heretor related to Lender', intetW 1Il [be Propen) 9. Condemnation. The proceeds of any award or claim for damages, duec.t or comcquential, ill coDIlection with an)' condt:mnJuon or oihe.r takUll of the P'ropcny, or pm thereof, or fOI conveyance tn lieu of cODdtfl'lD,llion, art hereby assi~ and shall be; paid to Lender, subj<<t to the lcnnS O'f any mortl.a&~. deed of trust or other security ~eemenl with a Ii~n \Vhlch bas. priorit)' ov~r rJm Morttage. 10. Borrower Not Released; Forbtllra.oee By Lendcr Not a Waiva-. btension of the time for payment or toodifica110D of amortization of thc sums secured b)" thiS Mortgage granted by Lender to any SIICCts50r in inlt:rtSI of Borrower shall not oper.lle to relt'1St, in my manner, the Ib.bility of lhe origiIW Borrowrr and Borrower', $uccessors in interest. Lalder shaH f10t be required to' commc:nce proceedings agamst such SUCtt1SOr or rduse to extc::nd UInt for payment or otherwise modify amortwtion O'f me sums secured by this ~onsage by reasOD: of DY demand made by the original Borrower and Borrower's successors in imerest. A1Jy forbearanc.e by Lender In elC.ercising any ngbl or remedy hereo.:.nder, or oth~rwUe afforded by applicable la\\'. ~I not be a waiver of or preclude the exerclsc of any such right or remody. 11. SuttUsors aod A.s$igns BoUX1d; Joint aad .several Liability; C~enttS. The COVtnl,n1l aDd agreemtDts hertiD ClJDtaiDed sball bind. and the rishu bereUIlder shall inure to, the qecuve SUCCt'SSOB aod U51&n1 of l...t.::oder and Borrower, subject to the prOVisions. of pu~aph 16 bereof. AJl covenmts and agrcc1DtDu of Borrower slWl be joint aDd sevcral. Any Borrower whO' CO-5lgnS this Mortgage. but does not execUle the Nett. (a) IS ro--slgning thls Mongage only to JDOrtl.ae;e. granl and convey thal Borrower's inuTc:st lD we Properry ro Lender under the terms O'f th15 Mortgage. (b) is Dot pcrsoD.ally liable on the Note or unda this Mongage, and (e) .srees tbal Lcoder and ilJl)' other Borrower hereunde-r may agree to e:u.end. modify, forbear. or m:U::c any othtr accommodations W1th regard to the lerms of this Mortgage or the Note without that Borrower's c.onsetU.and WIthout releasing thar Borrower O'r modifyina thIS Mongage as to thar Borrower's interest in Ibe Property, 12. Notiu. Except for any notice required under applICable law to be glvtD in another manner. (a) any notice to Borrower proV1~ed for in this Mongagc shall be given by dtlilltrlng it or by ma.din& such nOlia: by certified mail ~dressed to BOJIo'\\"ef at the Propeny AddrC55 or a[ such O'ilier addms I! Borrower may derignm by notice to Lender as provided herein, and (b) any notiee 10 Lender stwl be given by certified mail to Le:ndtt's address Stated berem or to such other address a.s Le.odc:t may de&.ignate by notiee 10 Borrower as provided herein. A3J.y notice provided for In !Jus Montage slull be deemed to lave been ghen 10 Borrower or Lel3der when given in ilie mauu.et deJignated hefem. 13, GovcrniDI: La\M; Severability. The stale and local laws apphcable to tW Mortgage lhall be tbe la\lls of the J\D1sdiction in which the Property is !ocalcd, The fort't,oing senleece shall not lamit the applicahiJil)' of federal law to this Mongage. In tbe tveet thai an)' pro\'iSlon or c11use of this Mortgage or the Note co.nflicts wilh applicable law. such confhCl shill not iffl.'Ct other provisions of tbiS Moncage or me Note which c.an be given effect Without the conflicting prolluion. and 10 this end the provisions of this Mortgage and the Note' are declared to be severable. A5 used hmin. -costs. - .C'lC.pemes- and "attorneys' (ees;- include all sums to the ex~t not prohibited by applicable Ja\a.' or lunlted herein. 14. Borrower's Copy. Borrower shall be furnished a conformtd copy of the Note and of dns Moneage at the time of exo::utiOD or after record.atiou beteof. IS. Rehabililatioa Loan Agreement. Borrower shall fulfill allot Borrower's obligalioIlS under any home rehablliration, improvement. repair, or other 10m i1gftttncat which Borrower enlers uuo with Lender. Ltnder, at Lender', OptlOD, may rcqwre Borrower 10 exocute aDd d~li""er to' lender, utA fOnD a.ccepuble to Lender. an assignment of any righti, cU,ims or defenses which Bonower may have agallU[ l'wes who supply labor, lXlllt:liah or servicts tn connection with improvements made to the Propett)'. P.uMCG. OJznDllI P;oC.40r7 Inllials' )Ok FormlS]!) ...........M~Cdlllot&nc~tmJ.._ 0014 \34dl:V20'31 1a8:ra3 . WASH.TOl' t.,lQ.86<'1 SAV I NGS BANK ~ 91216473.2792 ~ '..,J Loan ID . PP15,IKF 16. Transfer 01 the Proptl'"ty or a BtntticiallDltrest in Borrower. If all or any pm of the Propt'llyor any wteTest m I[ IS sold or UIDsfmed (or if a ~efici.3lllJ[ert.!l Ul BorrllWer is EOJd or transferred and Borrower IS DOt ill Ditural person) withOUI Lendu's poor written consent, Lender may. at ils option, require imme(hate payment iD full of all Nm$ secured by thiS Mongage. However. this option shaJJ Dot be exercised by 1..ecder if exercise is prohibited by federaIlaw as of me datt of this Mongage. If Lender e.xercises thu option. Lender stWl glye Borrower notice: of acceleration. The uout.e shall proVlCle a period of not less than 30 d3ys from the date the DOlice is dlehvertd or nwloj within wbJch Borrower ml1''' pay all roms secured by Ihis Mongnge If Borrllwer falls to pay th~ roms prior to the exp113tion of this pcnod, Lender may lDVOlt' any rtmtdies permiutd by this Mongage without further ootice or demand on Borrower. NON-UNIFORM COVENANTS. Bonower and lc1der funher covenant and. agItt ilJ follows: 17. Acceleration; RcrneditS. UpOD Borrowa's breach or any coveoant or a~ttm.eo( of Borrower ID this MOr1eag~ induding the covenants co pa}' when clue any sums secured by Ibis :Mortgage. Leader prior to .lcc:deratioo shall giTe Dotice to Borro"t:r a..'1 provided by appJicable Jaw spedfytog, ~mollg olhtr lhings: (1) the breach; (1) the action required fe. cure Nch breach; (3) a date., Dot 1M th8b 30 daY' from the date tbe notice is mailed to Borrowtr. by which such breach most be currd; and (4) that failure to rote sutb breach Ob or beJore the date specifitd iD the Dotict' may rerolt iD acce.leraljoD or the SU~ sccW"ed by this Mortg~ toreclosure by judicial proceeding, and sale or the PrOpul)'. The noHct sball further Intorm Borrower of the right to reinstate afle 8ccdaation and tbe right Co D.SSttl ill the foreclosure proccedi~ tbe llonmsttDct of a dcIauJt or any olbt'!' defense of lJorrow~r !O accdu;ltioD and for-edosure:. If tbe breach is Dot cured 0.0. or befort the lisle specified in the notice, Lender, at Lender's opliob, may dcd2rc aU of the SUDl5 secured by this Morteage to be irnme:diatt.ly due and pOiY3ble without runber demand and may foreclose this Moneage by judicial proceeding. Lender shan be enfidHt Co collect in such proceeding all expenses of forC!Closure. i.bcludi.oe, but l:loOl limited to. reasonable attoru~}'$' fees, aDd costs of documentary ~dCDc:e. abslr.acts and b.tl~ reports. 18, Borrower's Right to Reinst.ate. NOlwillutandmg Lender's ac.celenlt1on of the su.-ns secured by this Mortgage dUt' to Borrower's breach. Borrower shall bave lilt' right 10 bavc any proceedmgs begun by Lender to enforce tillS Mongage dlscoutinued ~t any time poor to at least one how befole the commencement of bidding at ill sheriffs U1e or other sale pwsuant 10 Ihis Moneace if. (a) Borro....'tt paY3 Lender all sums which would be then due under thlS Mongagc and lhe Nou: had no ao.:.e1eration occurred; (b) Borroll:er cures aU breaches of illY other covmanu or agreements of Borro....'cr cont.a.ined in IhJ~ Mortg:!oge, (c) Borrower pay' all reasonablt' expenses incurred by Lender in enforcing the covenants and agr~cments of Borrower contained in this Mortgage and in enforcing Lender', remedies 3.! pro\'lded in paragraph 17 hereof. includinK. bUll1Ol1muted to, reasonable attorneys' fees; and (d) Bollower takes 5ucb action u Lender mal' reasonably require to ~SUIe thaI the Urn of this Mongage, Lender's interest in the Ptopmy and Borrower's obligatJoa [0 p.1Y the sums stewed by thj, Mortgage sbaJl COlltunle unimpaired. Upon S\Jch payment aDd cure by Borro".er. WI! Monglllge and the obligations secured hereby sh3J1 ronain in full Corte and effect allf 1IO acul~tioIl bad occurred, 19. Assignment ot Rentsj Appointment or Rcc:eh'Cf'j Lender iD POssessiOD. As additional secunty beramdtr, BorroWeT hereby assIgn!: to lznder the rents of the Property. provided ~t BOrTOWt:r shall, prior (0 acceleration uudt't' paxagraph 17 hereof or abandonmem of !he Propcny, have the right to collect and ~lllD such rents as they beeom.e due and payable. Upon acceleration under p3J'agnph 17 hereof or ahandonrnent of the Property, Lender. in person. by agent or by judicully appointed rtea'ler shall be entlded 10 enter upcon, take possession of and rn:mage the Property and to collect the rents of tbe proptrty 1!lcludJDg ihose pasl due. All realS collectt'd by Leader or the rCCClver shall be applied first to paymeut of the coSts of managemc:Dt of the Property and collection of r~lS, incluclw,. but Dot limited to, rccciver's fees, premiums OD rcc:eiver', bond and reasonable anoroeys' rees, and chen to the P.c1oI!iC-0327'J.OOI lnitlols; )Pk Fona JIJ' www.MO"!OldlWlD&5ys.ltw.cllRl Par:rSor7 0015 04/H?J.l2003 M'BJ .HE l.lOSH.TOI' SAVINGS 1.(J.864 BAt'" . 9121&4792?92 ~ . . '-' v Lo~n In . PP1S98RF SUJ'I1S stC\lred by lhis Mong.age. Lrnder and we receIver shall be hAble 10 account only for those ferns acmaJJy reccivtd. 20. Relea.<e. Upon piymtnt of all ,urns secured by (blS MonGage, Lender shalt discharge this Mongage Wlth.out charge to Borrower. Borrower uw! pay ~l costs of recordanon, I(any, 21. Interest Rate Aftu Judgm~'. Borrower Agrns that the interest me p:l)'3ble ~er a judgment is entertd OX! the Note or in an acuon of mongage foreclosure shall be the rate stated In the Note. REQUEST FOR NonCE OF DEFAULT AND FORECLOSl.:'RE UNDER SUPERIOR MORTGAGES OR DEEDS OF TRUST Borrower aM Lender request the bolder of any mortt&ge, deed of tl\l.6t or othn encumbranc.e with a lico. \'l.'hich bas priority over this Mortgage to give NOlice to UDder, at l..tnder'$ address Set fonh OD page one of this Mortgage, of an} default UtIder the (Uptnor fnCumb~ and of any &ale or other foreclosUtt' action. IN W l;iEREOF. Borrower has t:.Xb:Uttd this Mongalt:. WilD Cbr~. !i.n (Se>I) -Borrowel (Seal) .Borrower PArJM6G.O:n11OO1 (5<01) .Bono~-er (5<01) 'Borrower 1S<al) -Borro,,'tt (Seal) -Borrow~ [SIIf" OrigiMl Only] f'D~'or' Form JAJ. -....MorItI~.ms._ D016 04/10/2803 l38:kl3 .HE WASH!NGTOf-r SF.VINGS EANK .... 91216.'792792 . . . NO. 864 . ,-j \.J Cmln<2~L r ~C~ I , ,<UU ""itlli~.n.amtd ltader is 4.201 itchel1ville Road, Loan ID . PP1S9BRP . do hereby c.a1.lfy lhat the correct address of tht Ste. 300, Boyie. Maryland 20716 Wnness my hand mls d'YOf~ COMMONWEALTH OF PENNSYLVANIA.~ Cr/{_b~~ 17th -Agem of Lender County 55: OD thIs. the 21th day of March, 2003 pttionally appeared Chriotopher J. Jtaufman , before me, the und~rsigned officer. known to me (or Satisbc.toril)' proven) 10 bt- the person{s) wbose nmle(s) is subscribed to the within insuument and acknowledgcd that cxecuted lhe same for the purposes berein COl:'ltalned. IN WITNESS WHEREOF, I bcreunto ~ my hand anl1 ofr1cial seal My COmal1ssion Expires: i I , - N01A.RlA.LSEAL I Jcw.N R FE:NSTERMACHER, N~ PubliC \A~;anlcstll.l19 8oco ,OJmberI~eo...uy I ~1I', Con'\ITI\stlOfl EtP'res June 1, 2{tl6 L Itle of Officer PAnI7G .01162001 InlllAls: ~A.. FonDJ83' \O'VW.M'ClrtPVeBankmcSyUtm (fIll1 Put:~7 of7 001? 04/1tV20133 08'03 .THE WASHH6TOI~ SAUINGS BAIlK , 9121S<l792?92. . . J \J SCHEDULE C ALL THAT CERTAIN lot of ground situate in the Township of Upper Allen. County of Cumberland and State at Pennsylvania, bounded and described as follows, to wit: BEGINNING at a point In the northem line of Laurel Drive (50 feet wide), which said point is in the divISion hne between Lots Nos. 120 and 121 on the hereinafter mentioned Plan of Lots: thence along the division line between Lois Nos. 120 and 121. North 18 degrees 58 minutes 50 seconds West. 135 feet to a point in the hne of lands now or formerly of Russell S. Eberly and wife; thence along the line of said last mentioned lands, South 71 degrees 01 minute 10 seconds West. 82 feet to a point In the division /lne between Lots Nos. 119 and 120: thence along the diviSion line between Lois 119 and 120, South 18 degrees 58 minutes 50 seconds East, 135 feet to a point in the northern lIne of Laurel Drive, aforesaid; thence along the northem /lne of Laurel Drive: North 71 degrees 01 minute 10 seconds East, 82 feet to a point in the aforesaid line between Lots Nos. 120 and 121. aforesaid. at the point and place of BEGINNING. BEING Lol No. 120 on Ihe Plan of Lots of Spring Run Acres, Section 3, and recorded in the Office of the Recorder of Deeds In and for Cumberland County, PennsylvaOla, in Plan Book 19. at Page 29. UNDER AND SUBJECT, nevertheless, 10 restrictions and conditions of prior record. BEING the same premises which Kelly Koontz, Executrix of the Estate of Richard D. McGraw. by his deed dated August 24, 2001 and recorded September 28, 2001, In the Office of the Recorder of Deeds in and for Cumberland County. Pennsylvania, In Deed Book 248. Page 2822, granted and conveyed unlo Christopher J. Kaufman. in fee. NO.864 D1318 VERIFICATION Heather R. Bogan , Assistant Secretary, and duly authorized representative of Plaintiff, deposes and says subject to the penalties of 18 Pa. C.S.A. Section 4904 relating to unsworn falsification to authorities that the facts set forth in the foregoing Complaint are true and correct to his information and belief. ::cJ (J -iQ. l ^ U( tt ~ ....... ......... if( ~ () .t: (Y "-Cl ~ p:! tv -...( l)- 0. ~ ~ C') ..~) ~:::;; C) ~' "\ - n :;:--': :_~ !i~ U~ ;"', , ' C} ,,_~i;'l'l en -~] (,0 .< 8 c) SHERIFF'S RETURN - REGULAR CASE NO: 2005-05913 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CHASE HOME FINANCE LLC VS KAUFMAN CHRISTOPHER J MICHAEL BARRICK Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon KAUFMAN CHRISTOPHER J the DEFENDANT , at 1456:00 HOURS, on the 17th day of November, 2005 at 16 LAUREL DRIVE MECHANICSBURG, PA 17055 by handing to CHRISTOPHER KAUFFMAN 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: 18.00 10.56 .00 10.00 .00 38.56 .. ,.:~' R. Thomas Kline me this )AlJ' day of 11/18/2005 GRENeN & em," , ~ ' / By: / ~~~riff Sworn and Subscribed to before A.D. . .~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CHASE HOME FINANCE, LLC, slblm/t Chase Manhattan Mortgage Corporation, CIVIL DIVISION Plaintiff, ISSUE NUMBER: vs. NO.: 2005-05913 CHRISTOPHER J. KAUFMAN, Defendant. TYPE OF PLEADING: PRAECIPE TO SETTLE AND DISCONTINUE WITHOUT PREJUDICE CODE- FILED ON BEHALF OF PLAINTIFF: Chase Manhattan Mortgage Corporation COUNSEL Of RECORD FOR THIS PARTY: Kristine M. Anthou, Esquire Pa.I.D.#77991 GRENEN & BIRSIC, P.C. One Gateway Center Ninth Floor Pittsburgh, PA 15222 (412) 281-7650 ,f. -~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CHASE HOME FINANCE, LLC, slb/mlt Chase Manhattan Mortgage Corporation, CIVIL DIVISION Plaintiff, NO.: 2005-05913 vs. CHRISTOPHER J. KAUFMAN, Defendant. PRAECIPE TO SETTLE AND DISCONTINUE WITHOUT PREJUDICE TO: PROTHONOTARY SIR: Kindly settle and discontinue without prejudice the above-captioned matter and mark the docket accordingly. GRENEN & BIRSIC, P.C. BY:--l' ?~(JU""L~- Kristine M. Anthou, Esq Attorneys for Plaintiff Sworn to and subscribed before me this /'t dv day of J> ~vt.. cry~A_Oj'-JvJcorn ~ -.- Notary Pubhc ,2005. COMMONWEALTH OF PENNSYLVANIA Notaria! Seal Gerald L Potter, Jr., Notary Public City Of Pittsburgt"l, Allegheny County fvly Commission Expires Dec_ 10, 2007 Member. Pennsylvania Association Of Notaries 2 ~~,:~ ~ fJ, ~ c-> -0"" ,-.;H'" ~~\\:,' <::-y :~ i~~~ ~l - .,p ~ ..- t:2 q, -' "';'-<'. (t1f: .-ofT'" .n'? ;"".:.' (W) '.3 ~\;~ '...,-1 ' -:;'f3~\ (:)' ::':; "0. o:z. <P ;;-