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Home My WebLink About05-6256 SILVERMAN BERNHEIM & VOGEL BY: Daniel S. Bernheim. 3d, Esquire Lauren R. Berschler, Esquire Identification Nos.: 32736 & 88209 Two Penn Center Plaza, Suite 910 Philadelphia, P A 19102 (215) 569-0000 CITIZENS BANK OF PENNS YL VANIA 80 I Market Street Philadelphia, PA 19106 COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff v. NO. OS -(",,(5'(.. C'U\ L~ Y\L JOHN IVANOFF and CYNTHIA IVANOFF 322 West Perry Street Enola, PA 17025 Defendants NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages. you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and ajudgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to YOll. YOU SHOULD TAKE TllIS PAPER TO YOUR LA WYER AT ONCE. If YOU DO NOT HAVE A LA WYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITI I lNFORMA nON ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LA WYER, THIS OFFICE MA Y BE ABLE TO PROVIDE YOU WITH INFORMA nON ABOUT AGENCIES THAT MA Y OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE COURT ADMINISTRATOR 4TII floor. Cumberland County Courthouse Carlisle. PA 17013 (7 I 7) 240-6200 F'",WPC, :TD()CS\] 1664\lvanotf-497\Ne\V FotlOclosLlrc'Complaint. 120205 .wpd SILVERMAN BERNHEIM & VOGEL BY: Daniel S. Bernheim. 3d, Esquire Lauren R. Berschler. Esquire Identification Nos.: 32736 & 88209 Two Penn Center Plaza, Suite 910 Philadelphia, P A 19102 (215) 569-0000 CITIZENS BANK OF PENNSYLVANIA 801 Market Street Philadelphia, PA 19106 COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff v. NO. OS - 1..2S,b CIt..J;trf. JOHN IVANOFF and CYNTHIA IV ANOn 322 West Perry Street Enola, P A 17025 Defendants COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, Citizens Bank of Pennsylvania. by its attorneys. Silverman Bernheim & Vogel. files the within complaint in mortgage foreclosure and represents as follows: I. Plaintiff, Citizens Bank of Pennsylvania. ("Citizens"). is a state chartered banking institution with a place of business at 801 Market Street. Philadelphia, PA 19106. 2. Defendants, John Ivanoff and Cynthia Ivanon; ("Defendants"), are adult individuals who reside at 322 West Perry Street, Enola, PA 17025. 3. Defendants are the owners of reeord of a certain parcel of residential real estate located in Cumberland County known by the following street address: 322 West Perry Street, Enola, P A 17025 (the "Property"). I:\WPC I~TJ)()CS\316M".Jvanorf-497\Nnv Forerlosure'.,{'omr1aint.1 ~OlIlS_\\pd 4. On April 10, 1996, Defendants executed and delivered to Mellon Bank. N.A.("Mellon"), assignee to Citizens Bank of Pennsylvania ("Citizens"), a Promissory Note (the "Note") in the principal amount of $56,325.00. Thc Note was secured by a mortgage (the "Mortgage") granting a lien upon the Property which was executed by Del"endants. and given to Mellon on the same date and duly recorded in thc Office ofthc Recordcr of Decds. Cumberland County, Pennsylvania on April 12. 1996. in Land Record Book 1313, page 610 ct SCq. True and correct copies of the Note and Mortgage are attached hereto as Exhibits "}\" and "13:' respectively, and incorporated herein by reterence. 5. On December 1.2001, Mellon assigned its rights in the Note and Mortgage to Citizens and said Assignment was recorded on January 10,2002 in Land Rccord Book 687. page 4012. 6. The Cull legal description of the Property is set forth in Exhibit "C" which is attached hereto and incorporated herein by reference. 7. Defendants defaulted under the terms of the Note and Mortgage by virtue of their failure to pay to Citizens the sums due and owing thereunder. whereby Citizens dcmanded complete payment and performance of all orthe Defendants' obligations. 8. Pursuant to the terms ofthe Note and Mortgage. as of November 30. 2005. Detendants are obligated to Citizens for the following sums: Principal Accrued interest (through 11130/(5) Accrued late cllarges BPO/ Appraisal Attorneys fees (20%) $36.404.92 1.188.62 90.00 400.00 7.51871 TOTAL REAL DEBT $45,602.25 Interest continues to accrue at the per diem rate of $8.61. \;:"WPC. :y.J)OCS'31M4"JvanoIT-49T,:\clV Fon::closllre\Colnplainl 120205.wpd 9. The notice required pursuant to Act 91. 35 P.S. CS.A. ~ 168D.4D1. ~ seq. was mailed to the Defendants on October 27. 20D5. as evidenced by thc Certificates of Mailing attached hereto and incorporated herein as Exhibit "D."' WHEREFORE, Plaintiff, Citizens Bank of Pennsylvania. demands Judgment in Mortgage Foreclosure in its favor and against Defendants, .lohn and Cynthia IvanofI in the amount of $45,602.25, plus continuing interest at the per diem rate of $8.6 I from November 3D, 2005, plus eontinuing late charges, attorneys fees and costs for foreclosure and sale of the Property. Respeclfillly submitted. SILVERMAN BERNHEIM & VOGEL By: ~~ ~ L [)Jl U~ ji'fi\Qu 'J aniel S. Bern eim, 3d. Esquire Lauren R. Bersehler. Esquire Attorneys for Citizens Bank of Pennsylvania Dated: December 2. 2005 J:\\VI'(', ~T\I)(K'S\31664J\'an()n~497\Ncw Fnrcc!osure\Complainl. 120105.wpd VERIFICATlON t Marlene Medeiros, a foreclosw'e specialist with Citizens BatJk of Pennsylvania, being duly sworn according to law, depose and say that the facts set forth in Citizens Bank of Pennsylvania's Complaint in Mortgage Foreclosure Is true and conect to the best of my knowledge, information and belief. I understand that the statements therein are made subject to the penalties of 18 Pa.C.SA 9 4904 relating to unsworn falsification to authorities. CITIZENS BANK OF PENNSYLV ANJA ci~pQ~~~~J ENE MEDEIRO FORELCLOSURESPEC~IST Dated: ~l ~ IDCj EXHIBIT "A" 12/08/2004 05:44 CITIZENS DIRECT COUNSELING ~ 912156353999 NO. 557 D007 AN AL PERCENTAGE RATE Tbecoslofmya'Cdltas ay~dyratl".. DB. 20 % ThcdollarJlIDoubtlhe Cl'ellilwill eosl me. Amount FmAnted The aroountof eredltpro- videdto me or on my """"'" 1'01&1 ofPaymeuls 'J'beamountlwiUI:1a...e paid afltr I have JlJllde all paymenlll a: ~heduled. $ 42382.97 (0) $ 56325.00 98701.97 Mypayment~hcdulewillbc: NumbetofP "''' Wb",P Montbly ent$ Arr Due innin-oll 06 OS 14 96 14 11 . . 548.38 1 547.95 Vu\U\t, btt (Applita.b.lei.!: cheded):fa MY10llb contains a varlnble I'lltt f~ature Diiid(l$UfOillbout theVlU'iabletllte fe.lllure~ve beetlprollded tome earlier. S<<.IU;\I)': Youwill~lI=uityintc'rcilin; a motorw:hiele CI n:;obi.k.home Osccurilio: [:l Beneficialintereslinhmdtrnsl o U!eill$ura.ncepoliq Od~ltaccounl ~l"l':aJpmperty U.C.C.filill&fet::l Fce!.fofo::J1ellntbetin~certltltale oflltle $ $ .00 .00 c o a;ltklporIll.lwhicblhavewllbyou Collateral ~uring other loaM with you may also secure this loan. Ir lhis loan is secured by a dCpooitllCCOUDt, lhe-annual PCrttntagct'lll~doo not take inlo account your required depo~:IIt. lAu Cbvr: 1fll p8yt1lent la more thall.15 dA)'I: late, twill beclta~$ 15.00 Pn:pnym,cnt: If I pay offearly,IwiUnolhaveLOflllYa p.':mlJty. AsslIIIlptlon: Somcone buyillg the pi1J~llCCIIring lhis loan cannot assumetne rem;UnderO[Ulelo.an OT\ \he OllginalltJlDs. Sa; tbcCQntPilct docuw~11i {or 1I11Y lIddlliODlIlinrotmlltion aboutnODplIymenl, default, .and aJJy required repayment in full before the 5clJeduled d:11~. Fo;{orrerordingmClrtgageQf dc:o::l~tn\M $ 14.00 Re<:er4lltiontM Fee fnraatbtylnt:morlt3V' or decdoftl1l3t $ $ .00 12.00 'oj or,%oftbepa)'ment,wltldtevcrlsleaa. ~"'''<>ntdll~ 1~l:nh.llllofl 0' I1K- AmO:>lJ.Dt FInHUI:~ ot S ~ 4688.48 Amo'UDlpllidonmYlltanlnl(refiJlancingolpn-:vioU!IoaIt$): Dat,., Loll.nNumb<:.. I I 26.00 225.00 AmOUDlgivel!lomcdiR:d.ly AIDol1ll1 R"rlwm~ . Amo\l1\t ps.id tt. others em!lfj bebill; $ S~_loc:m:lilbUfCluS 10 public oOOciaJsJguvemmentllgl:neie;: tosppl'llber S . , to insul'aJlCl": Company 10 notal)' 10 60. 00 to LENDERS 14.00 to Tranl3Amsrica m m , propajdfinllna;chaq:t: !fi'''''''''1'''')-'''')''''''''~).!''''l'''?''t-''ljl.'!-''i'-~'"''I'J1!\1~W'~''~''.l1'~m''''.tl"'''''IW'''''i~''''f--''')rl'''''!i; ,,!J,,!mIf.~1lt~~~::m~j~!~~~1 ,!;JJ:im:I~f~mJ<l'M~~J!lNJ1&~~~)il~:lf~Willi.l~~xm.-a~"JJ...:iWX",~~m~!1fif!,;tm\t\._ Inlhis note, thcwoNs I, Dl"' s{ll1my l'da \0 ~llyone ~igniD! this DOle llli ~ Borrmver. Bath Borrower)li respoll$.ible for Ihe repaymcnt of allan>Qum!l owed under [lIis nOLI:. ano agJ"l:$ 00 aU o(rhe I~rmll of !hi!: not<;:. ThcWQnkyou. andyQur refetlo the creditor named above. The word Coll8"'mt me.utS any ~nal property In whtclllll.m #ring y(,>U:; :=;-.,Jity imcrCSI in This nOle, or which ~: a'rVerrd by any Ileparate security a~cn\ securing lhis nole. I promise to pay you S 56325.00 . This amount is O1Ued tW: "Pti.DctpalIl.mOlint". t also pmmi3c to pay you iJttt[l:S{ an the unpaid b.!Ilsnr.e of the rrincipaJAmolllllalllsiwpl1: inlclC'ir I;:ltc;:of .022465754 %perd:!y. Interestwilll>ech&r'gedontbeUllp.lid balnuceollh<::PriocipalAmount for ea('.h day (,neluding FebfUll'Y 29)_ Iwjll pay th<: PrinClpat AwDllJl\ and lhe lnt~tll[ aoy place designated byYOU,lllXOrdiIlg 10 !he pIlyntettl kha1'Ule ahown .~. On the jA:!t p.aymenl date I will pay IIny p.ut of the Pnnclp.11 Amount and any llllerest wblch =Ins unpaid. I will colltiMe tQ pl'o)' mltICS\ 1l\ lhe t'll.~C sbD'WD above on .:Iny pan of the PrinCIpal Amount as long as it l'em:uns unpaid. lagrce t!ll1l any judgmenl for .any part of tbe Principal AmOllnl will bear illlef(:.~l at the same rate unlil it is pl'Iid (Applicable if (nc(kcd): G:I If I thllngc, or you require me to chllng~ to PIlYD\tlll Method #2.. the siMple intcre.t <l\te Qn t(\i~ ~O\t wi\\ cb;mge 10 .07.4520548 % pc~ U'ilY. . (AppliCll\>!c if chUk.ed): lXI11le simple inter~t \';1.1e is to disoount(.d Dote bElS<<\ OUll $eparalt" IIJ:1eemc'lll wlJiclllll4Vt: cntered Intowilh YOII, lC ! disc:Onli.n\\C tlm\ $Cpara[e .agreement or you d.iscouuu\\e it l:leC:l.~ I DO longer meet the J:eqmmcnts of th.al.aSl'remt:nt in efftd M of tlie ollte or thIS noLe, bIll I oonlinut': to Ilnl.;c payments underPayment Method #1, the simplemtercst rate on thL~ notewilleh.:lnge 10 .023150685 % perdllY. EITeclive with the first {laymcnl that is due lit tellM 30 dnyr, ~net" tillJ rm.ngc in fur; simple jUI~1 t.lle, my regular monthly payntent will chanJ'le to thc amQUllt fleces.sary' 10 repay by the original due date or the Jj(uJ p3yIllent liul ~ or lJlc Prit\\':\~1 Amount which rctILllilt'> unpaid on [he dale or the rale c.Il.lln!>t", with mteftl'>( fit thc n~ rate, in equal payments. If I select credit diubility iTUlJ-\<lllc:e on thi; lo;ln, the lllomhly d~'I.IIbllity henct:il will l">I': limited 10 the 1\11I0111I1 of lllc original b<"ndilflSru1clostdOJllMCl':11ifiCJ.leo!ln.o;uranCl":. 1 \.Illctcnl1\lId IhIIl JIlllldllg Jlll)'lllellw 011 time 18 =lllal to avuid deolult on tbl, no[c. In addillon, if tiny pSlymc,ll i.. IIot lUI\\lC 11\ Cull wilhin 1.5 doys nftcr it i~ due, I will p~'fa I~(e<:!mrge pI$ 15. 00 c.S%~thCpllylncr:l,wll:cIt<;l'crl'll~. J ha~l': paid orwiH (Xl-y tile prepaid finance l;hargc shown lllKtve, 1\" WCllllS lbe following Ices ;\nd cht\rgt"_~: U.C.C.FilingFoos fees [<:IrCM'.lIlnMrtngu:nifica\cofti\k FCClI{orr<:eonlinsmortt1lccordceduflrust R<:cQrdationUl.X Fee for satis[yinl); mongage or deo! o( \Ns.t (es\\mll\W oo.sW")I1 CIlO'\:n\ J<lICS) AppnUsaltl:c TIU<':CXamb:):lI;Onfee T,llo;:iDSUl'8ncepremium Notllrytce Foe for dtll':l'll.llnittg flood hazard 51atu:l of propertY SettlemeolOl"c]()!;inetee $ $~--=~-- ~-~~~-4-~-- $ 12.00 $ a~.oo $ 60.00 , , S 140tJ $ 1 .~m gr,.(llg you tI terntrity mleres.l in !he property deo;crihed below, including all aluchmenu: .lIod p.nrto; whidl flt'l'l ;,,,,ISI!loo in or IIU,.;-J,OO I,., 110<: I'wpcr1y. or which may be illsmlle<:l or llll:lch<<t in the future, owd all proceeds oftbc property and a!l...chmeut.~and partS. ~rNCW 0 UO("tl I M.;ke I Mod"l I &ri".! I'hLmkr L~"'~t Number I CREOrTOR COpy Pflllf;' nfA 12/08/2004 05:44 CITIZENS DIRECT COUNSELING ~ 912155353999 NO. 55? 0008 PaytlltD( Methods: J choose to makepaymetlt.'i by tht ml:lhod che~kcd below; iii PllJ'IIltlll Md.bod #1; I authorize you to take. ~b; ()\\t 0( CHECKING ACCOUNT 162-109-B282011 Qr after the dll.tt:s they Me due. r wiIll:eep & 1a:rg.c cnougb b&1ance ill tbill account to fX/Ier the .full amoWllD of I.he roquiredpaymentli. D PlI,}'lIleut Milhod #2: I will mail or deliver ~ch payment to youro that you will receive it 110 la!cr than lhll dale il ~ due. It l!lMle ch~ rl!.yMel'.t Moeth,od #1, ~O\l ma.'j require me 10 thante Payment MctboO #Z It llBilll.t any lime to bave li 111ft'" eDough balance ill th(: deposit accouul BbOWllIlOOvC 10 covcrtbc rulJ ~mollnl of II payment re<]uircd 1It1dm- uu.. note, or iftbed~jt aCOJilul ill clooed. Pnlptrly WPJ1lnce; lll:iunulcc "gDimtlCl'.$ of or d<mtagGlo!..he Collateral ~ ilJ CI J.l'.lJOI required. lIuurcr; ALL S'l'ATE Agent (ifuOWll): LUANN BURD CJ " Rood inMl~ i'CG'Il.irt:d'm wpnt'.Cl:joll with um.lonn. ~ is no! If flood insu.nw.ce orotber insurance 011 rea.! or personit.l property is. required ill connection with IIili loan, llIl!lY obtai'l ~u<:h io.surance trom ;uryoMrwa.ntt.b.atl!.~=pt;tbletQ'oo... TllEADDmONAL TERMS oN PAGES 3 AND 4 OF THIS NOTEAllEA PART OF THIS NOTE. "W!illl"....jl""''''''''I''''',.,,''fili1\!''''''''j!lI)l1!l!l'i_&n'''I1II'IDUj~1MWI~Iil!'Il,!''''!k''''''''*''~,..~li~l@!il1.."l1"""""'~'.','!!""''''.'''''''I''f'"."'W iAiWt~~..J:ItJSIfJmwtMJnmmilth!~~!lJitU1;m~m~?~'~~l)'I1fl~~,df~~~f~~:mj*.w/~!l~':idtmm;M!j'lo..~,Jl!i1.:fu1t:~mJl~gEjH;; You are being asked to guarantee this debt. Think carefully before you do. If the borrOwer doesn't pay the debt, you will have to. Be sure you can afford to pay if you have to, and that you want to accept thiS responsibilHy. You may bave to pay up to the full amount of the debt if the borrower does not p"y. You may also have to pay late fees or collection costs, which increase this amount. The Creditor can collect tills debt from you without first trying to collect from the borrower. The Creditor can use the same collection methods against you tbar can be used against the borrower. such as suiIl,g you, garnishing your wages, etc_ If this debt is ever in default. that fact may become a part of your credit record. ThiS notice is not the contrac;.t that roakes YQU liable for the debt. ~__JiiMlU~I,~_t.ll.~\I.Ull!l!l!}li.l.:il.i\llillll1'i I . . BY SIGNING THIS NOTE, I ACKNOWLEDGE TIIAT I EAVE RECEIVFJ) AN D:ACT COPY O~ PAGES 1 THROUGH 4 OF THIS NOTE AND THE DISCLOSURES ON PAGE 1 WITIl ALL APPI.lCABLE BLANKS APPROPRIATELY FILLED IN, PRIOR TO THE CONSUMMATION O~ THE TRANSACTION. THE ADDmONAL TERMS ON PAGES 3 AND 4 ARE PAll! O~ TIIlS NOTE. ~;r IfappUc>b\e, \lili; lnstal\menl 1m", corresponds to relationship dero:md deposlt account.162-l09-8282 """""" (Sca1) , (Seal) ""'""'" (SOli) (SQ.\) 041096 10120 Illlt:e2nf4 12/08/2004 06:44 CIT!ZEI'lS DIRECT COUH5ELlNG ~ 912156363999 NO. 557 0009 nA1~~~ iili~_.. I Evenfs oCDerllult: It ~ . default under this note it; (I) any paymenl ~ not made when it ~ due; (2) I break .ny promiaein this nnte; (3) you w.c.wer any false or misleading statement in this Dote or in any other informaUon 1 have given you; (4) anyone attetnpts to sel7.e, atl.1l.ch.. ot aru.tC1 _ UOt\ Ql;l. th~ COlla\Ol'\1und.Ol' Io1l.y 10p1 Pn:lCClI_, C~) the COU.tora.!lI to_to dOlUM)ted, _,olIn, (I' Ib.)adonMJ (5) I cU,1 (1) I make any assignment tor <be benefit of credltOIl; (8) I become lnsolven~ (9) any petition relatin, to my deb" Is Illod under .ny lederal ~r '1.<1. bankruptcy law: (10) I delAult under the tellll< or any I/.ll!e, m~rtgage, or deM 01 ll1Jlt on !he ploperty where llIe Q:lUau:.ra! II kDp;j (U) .n)'Onu IItJompUl to ,.rnl~ or IlUSch an)' d.IilPOIJt ot aihat .pto.lJlii~ b.It:lUq 10 ""It w,wlllllfl Ul )loLl' po"esglon: (12) .any insurance polley ~g this note m.aturea fOr al'l.Y rea!on; (1,3) any eveDt oceum. wb1ch., und.er the tmns of any mortgage or 4wl of llImt S!MllIg tlt!! not., gl~ you the right to foreclose on the property !ecurirtg thl! note; any pel10n who lli~ a sepllf'ate security aareement to ~re thi& now breaks any promise in the security aareoment; any pOlSOn whCJ lip a mortgage, deed of tnlit, or se~te security 8.grtetM.tlt tn ue\\re th.b note dies, 'oeromes lDsolvent, or makes allY a!.iIgnmClDt tor the benefit of creditors: any petlllon re"'tlng tn snch a person', debts II filed under any lederal or s!llte bankruptcy I!II'; or you discover any f.llse or misleading statement in sucb a IllOngage, deed of trust, or security agr<<.men.t. Your Rilhtfl in the. Jr."C'I.\f, or~(o.u.l~ If any of these events of defaull occura, or if I voluntarily give you posseIi5ion of the CoUateral, you bave the right, if you Choose to do so, 10 decl",. aU amounts whJch I owe under tliJs note immediately dne, provided that you have given m. any notice wllict1 Ille law requires. You may, without judieJil.1 proce&S. take possession of tbe Collateral and. Ilnytbini canWnea. in it or attai;:hed lO it. You can elrl.ler MY rriVlttr:5 proponytn order to do thiR,110 lon,g u you (10 not commit B. broach ottM peace. It you toUm.e tod.CJt.O, ] will dellvet the Coll.leralto any place you clloooe which II l/.ll!on.bly convenient to bOth of us. I must send you a notice by certified mall within 4& hout'Q after:j'c'U take the CoUatoral in order to gelt back ony property corualned in the Collateral or attached to it whkh I do not believe is covered by your security Interest. If I do not do this, I w1U lose the rIght to claim such property. You CM abo me me In court to 8et the Co1Jatemllf you cboosl'l to do so. If you employ an !lttomey who Is 1\Ot )'Ol1r saladed employee to ro!leet .ny amount which I owe und.r Ihis note tir to protect your nghts under Ihls note In any \Viy, I will pay reasonable attorney's. fees permitted by law, and costs of any legal proceedings. J hereby waive .the benefit of all Indiana vallJ:ltion and appraisement laws. My Du~ Regarding tbt': Collateral: If 1 am obtaining this Joan in order to purchase any of the Collateral, I will purchase it promptly after receiving tbe loan proceeds from you. Anyone who has or will have an ownership interest in the Collateral is signing either thi'i Doto or a separate security agreement. No one else except you has or will have a security interest in the Collateral or any legal rights in it. I will tell you promptly in writing if I change my address. Unless you keep. the Collateral, I will keep it at the address in my loan application or I will tell you in writing where 1 am keeping it I will not permanently remove the Collateral from tllat locaticm unless you. give me written permiSsion to do so. I will not allow tile Collateral to be attached to real property or to, a.ny other goods withoul your written permission. I will not allow the Collateral to lose its identity or to be used for any illegal purpose.. If the law of any stale requires or permits a certificate of title to be issued covering any of Ule Collateral, I will make cenain that your security interest is noted on the certificate of title. I will see that the certificate of title is delivered to you wi.Uljn 10 dayS of the date of this note. 1 will keep the Collateral in good condition and repair, except for reasonable wear and tear, and will pay ~ tmes. ana other charges which maybe assessed on it IiI fail to do so, you may, if you choose, take reasonable steps to protect tile Conat~ral and pay sl,ich taxeS, other charges, Or oosts of repair and maintenance for me:, If you do this, you may require me to reimburse you, immediately or at any later time, fur any such taxes, charges, or costs which you nave paid. AI ibe time you pay such amOunts or at any later time, you may add the unpaid balance oisuch amounts to the unpaid balance of the Principal Amount oftbis note. You may require me to pay interest on the unpaid balance of sucli amounts at the rate sbowu on page 1 of this Dote or at :loy lower ratc. You may, if you choose, inrrcase the amollnt of my monthly payment until I have tully reimbursed you for such amounts. I will gi\lc you written proof of payment of any such taxes or charges and tl1C costs of ally repairs, if you request it Y 0\1 have the right 10 inspect the Collateral at any reasonable time, If the Collateral is lost, damaged, or d'~~troye<1, I will still pay everything I owe under this note. Insurance: If you require me to, 1 will insure Ihe Collateral against loss or damage. If you require me to buy flOOd insuranc.e, I will buy (he amount of insurance coverage which YOIl require. Any insurance policy will provide for payment of the insur:mc:e proceeds to yOu to the ert(\nt nece&sary to pll)' the am()lmlS whicb I owe under tills note. I will give you any insurance policy or a CcrtifioHC to show that l.have it. If I do not buy and maintain the requlred insurar1ce, or if I do not pay the premiums, YOu may, if you choose, do these things for me. If you do this and r dQ not reimbu~e you for the premiums wilhin a specified time, you. may add the unpaid balatl.cc of the premiums to the unpaid balance of the PrindpaJ Amount. of this note. In this case, mterest wiIll>e d131ged Oil the Ultpaid balance of these premiums at tbe mtc sbown on page 1 of [his note, beginning 011 the date you paid the premi\~ms. ." I direct all insurance companies ptovi.ding flood insuT<mcc, other insurdnce on real or personal property, or credit .insurance in connection with this loan to pay you any motley owed to me (including:my premiums whicb .Me returned for fUly {tm.wn), YQ11 may VSC any such money to pay amount which I owe Imder this note. I appoint YOII as my attorucy .in iact to cmlorse my name to aIlY draft or dle<:k (or iiuell purpose. CREDITOR COpy l'age3of4 12/08/2004 06:44 CITIZENS DIRECT COUNSELING ~ 912155363999 NO. 557 [;1010 Miscellaneous: This note is secured as indicated in the Federal Truth in Lending Disclosures on pajle 1 of this note. AIl the provisions of any mortgage, deed of trust, or other separate Sectlrity agreement wh.ich r have sign.ed to secure this note are a part of thiS note. I will sign any docwncnts you consider 10 be necessary, and I will pay all fees and taXes which tn\lSt be paid to public officials and which Me;disclosed iD the Federal Truth in Lending DisclOSures on page 1 of this note, to perfect any set.:urity interest which I have given you and to reoord and satisfy any mortgage which I have given you. I ~Lppoint you as my attorney in fact to do whatever you cnnsjder to be necessary to acquire an.d maintain the lien of the mortgage and 10 perfect and maintain pe.rfe;ction of these security interestS, If at any llipte you agree to extend the dates 'on which payments are due under this notej yO\\ may charge me a fee for such extension not ~ceeding $50.00 for each month or partial month of the exten.<:ion period (subject to any limitatioIl5 imposed by law}. You may also require me to pay interest for the extensiOn period at the beginning of the extension period, subjE;.Ct to any limitations imposed by taw. You have no obligation to agree to any extension; and, SUbject to any limitations imposed by laW, the terms of this paragraph call be changed if you and lll.\ter agree to different terms. 1f at any time you reasonably believe tllat the value of the Collateral has become insufficient to ~ecure the amounts which I owe and any amounts which I may owe in the future under this note, I will give you addition<:l collateral. I( any mouey which l owe 'Under thi!i Dale is not paid when it is due, you !lave the ri,ghf to Ulke that amount from any deposit Which 1 have with you, 1l.0W or in the future, other than depCJsirs in IndMdual Retirement Accounts or Keogh (H.R. 10) Plans, Or deposits in which the law prohibiTS you from having a security interest. You will continue to have any security interests which you have taken in connection with allY previous note which is being refinanced by this note. If you have any liens on my property as a result of entering judgment under the terms of any previous uote wIDch is oeing refinanced by this note, you may retain those liens to secure the amounts refinanceit r do not have any defense to the enforcement of any such judgment. Regardless of the lerms ot any Other dOClJmeut, this note will not be secured by any deposit o.tber than those which I have with you individually or jointly, nor by any other propertyj unless a security inter~t in such deposit OX other property has been given to you in this note or in a document referring specifically to this note or another extension of credit. Further, thu. note will not be secured by m)' real property unless a security interest in !inch real property bas bet:n given to you in a document referring specifically to this note or a prt'Nlcms Dote which is being refinanced by this note, or you lutve a lien on Such real property as a result of entering judgment un\1er the terms of a previoll5 Dote which is being refinanced by this note. I authorize you to pay that part of the Principal Amount shown in the Itemization of the .Amount Financed Oll page 1 of thl~ Dote as . Amount given to me directly," and any mouey which you may owe me fur all)" reason in connection with this loan, to any or 10 all of the persons signing this note as "13orrower,1I My endorsement of a check [or auy part of this amount will evidence my ccm:.ell.t to payment of that part of the Principal Amount to any other payee named on the check. l~ on any particular occasion ~r for a period of time, you do Dot charge iDe a rate or amount which 1 am obligated to pay under this not~ or charge me a lesser rare or amount, or do not enfOr~ a right or remedy which you nave under this note, or enforce a right or remedy to a lesser extent than permitted by this. note, you will still have the tight to charge the full rate Or amount or enforce that right or remedy to its fullest extCllt at any subsequent time. If 1 make '8. partial payment and you accept it, even tbough it is designated as full payment, r will still owe the rest of the money I should have paid. In addition to the rights and remedies pIOvided in this note, you will have all rigllts and remedies provided by l<lw. I ma.y pay all or any part afme PriJ1cipal Amount before it is due, without any penalty. The unpaid balance of the Principsl AmOunt for any day is determined by taking the beginu:iJ:ng balance for that day, 1l.dding any amount w1ticb you add to the Principal Amount that day under tbe terms of this note, and subtracting that ponion of any payment which is applied that day to the Principal Amount Payments will he applied first to interest and aoy other 'Charges due, Ihen to t11.<: Principal Amount. Payments received on Saturdays, Sunclayn, or holidays will be credJted as Jf made on the follawtng bllSlnessday. If I have signed a request for credit insurance, the provisions of that form and the Group Credit Ufe lnsurallC(; certificate are a part of this note. If it is determined for any reasDn tbat a part of this note is invalid Or unenforceable, tbis will not affect any other pan of this note. 'fltis note will then be read as if the invalid or uneru:orceable part were 110t there. YOu om transfer your rights and privileges lJIlder tltis note. to ;>.n~one yo\). chOose. My duties under tbis note wUl be perf'ormed by my neirS and personal reprcsCIltative:;. I will not transfer any rights wllieh I have under this noW. to all)'one. 1 understand that my o\:lligut.iOJlS to you under this .aote will not be ltlIe.cted by any divorce proceeding nor by any order or W\lrt issued in such n proowiinz. Except to the extent that Fedorat taw applies, the laWli of the ,tate In which your ollleo shuwn un pagB 1 uf thi, notB ;, IOCJltBli will apply to tl"J! no,Cl in l111 r~nQ".-tIl. I(We ~cknowled.gv 'lult tlleic are pages 31lnd 4 of the Promissory Note (Se~wed) wW:;h JJWc have signed on pagt: 2. CYN~HI^ R IVANOFF 9~,,~ C1 (Inili\l).l:) JOB:N M IVANOFF (lIIltla~) (lnitillb) 041096 lO:20 Pnge4of4 EXHIBIT "B" 12/08/2004 06:44 CITIZENS DIRECT COUHSELING 4 912156363999 NO. 557 [;1802 " q} {tel Pennsylvania. Residential Property This'Morlgllge is made this -.12....- day or APRIL 19 ~ I between JOlW H. IV1\NOFF CYNTHIA R. IVANOFF (hereinafter called "Mortgagor") and MELLON BANK, N. A. (hereinafter caned "Mortgageel). As used berein, the term "Mortgagor" reters indIvidually and collectively to all Mongag- ors, and aU such persons shall be jointly and severally ooun.d by the ter-rm: hereof. Whereas, JOllN !of IVANoFF CYNTHIA n IVhNOFF (hereinafter individually and collectively calJed "Borrower") (is) (aTe) indebted to Mortgagee in the principal sum of ***$56,325.00*** Dollars ($ 56325.00) evidenced by a note, contract or letter of credit application cthe Noten dated APRIL 10 ,19 96 To secure the payment of all sums due or which may become due under the Note and any and all extensions or renewals lhereof in whole or in part (aU of wroch is berein<l.fter callea the .Obligation"), and to secure pertbrmance of all obUgations under the Note and this Mortgage, Mortgagor by these prC$fmts, inlcnaing to be legally bound. does grant, bargain, sell and convey unto Mortgagee and its successor.; and HSSigns all that cerwin property situated in CUMBERLAND County, Pennsylvania, and more particul..1.rly described in Exhibit "N, nUacbed. hereto and made a part hereof; u.,.m; kv.(?1II4) LC(M4) LD. 8,9( TogetherWitb All the buildings and itnprovements erected the.eon, the priviIeges and appurtenances thereunto belong.in~ and the reversion.-. an.d remainders. ren.u, issues, and profits thereof (aU DC w1ricll is bereinafter called the "Mortgaged Propertytt); 1'0 Dave And '1'0 Hold the same Unto Mortgagee and its sue- ce..'iSOTS and assigns. Fon~et.. Provided, However. that upon payment in fuU of the Obliga- tion, the estate hereby granted shan be discharged. Mortgagor represents, vt.lrrants, covenants. and agrees th.at; First Mortgagor will k.ecp and perform aU the covenants and agreements contained berein. Second: Without prior \\'ritten ronsent of Mortgagee, Mortgagor shall not cause or permit legal or equitable title to all or pan of the Mortgaged 'Property to bl'.C(Ime vested in any other person or elltity by sale, opelatiDn of law, or in any other manner, whether voluntarily or involuntmily. Third: Mortgagor wamwts that Mortgagor owns the fee simple title to the Mortgaged Property free and clear of aU liens. claims, and encumbrances except those to whkll Mortgagee has consented in writing. Mortgagor covenants that !be Mongaged Property .shall continue to be held free and clear of all liens, claims, and encumbrances except as o..pressly permitted by M)rtgagee in writing. Fowtl1: Mortgagor will pay when oue all taxes, assessments. levies, and other charges on or aga.in.st the Mortgaged Property which may attain priority over the lien oftl1is Mortgage. If Mortgagor fuils to do so; Mortgagee at its sole option may elect to pay such taxes, assessments, le'>i.es, or other charges. }U Mortgagee's request. Mongagor shall deliver wrinen evidence of aU such paymenLS to Mortgagee. Fiftb; Mortgagor sball teep the Mortgaged Property in good repair. excepting only reasonable wcar and tear. Mortgagor will pe(mit Mortgagee's <111thorized representatives to cnter upon the Mortgaged Property at any reasonable time for the purpose of inspecting tbe condition of the Mon:gaged Property. Without the written consent of Mongagce, Mortgagor will not pennit removal or demolition of improvemems now or bereafter erected on Puge lor5 Boo,U13tAGI: 61.0 12/108/2004 05:44 CITIZENS DIRECT COUNSELING ~ 912155353999 NO. 557 [;1003 , the Mortgaged Property, ROT will Mortgagor pemtit waste of the Mortgaged Property or alleration of improvements now or hereafter erected on the Mongaged Property which WOuld adversely affect its market value a$ determined by Mongagee. SU,:th: The term "hazardous .substances" includes any .subst:lnces, materials, or wastes that are or become reguIared by allY governmental authority because of totic, fismmable, e;>;plosive, corrosive, reactive, radioactive, or other properties that may be hazardous to human health or the environment, as well as any materials or substances that are. listed in the United States Department of 1':ran.sportatioo Hazardous Materials Table, as amended from time to time. Mortgagor warrants that the Mortgaged Property doo; not con.tain any h::rzardous substances and that no ph~cal conditions hazaTdous to human health or safety are present 00 the Mortgaged Property, except us previously disclosed to Mortgagee in writing. Mortgagor will neith,<::r ca~ nor permit the deposit, creation, or presence of any hazardous $t1bstances- or the ctea!iot\ or existence of any physical wndition haurrdous to hllIDan health or safety on the Mongaged Property. Mortgagor will comply at Mortgagors expense with all laws, regulations, rules, ordinances, and orders of courts or governmental agencie:i regarding the Mortg<iged Property, now Qt: here3fter ill Qistence, inelurl5.ng but not limited to those relating to hazardous substances. If Mortgagor fails to do so, MOl,1gagee may, at ii$ option, take :auy action it deems in its sole discretion to be necessary to effectuate such comptiance. Mortgagee sJ:w11 have no obligation or liability at any time with regard to hazardous substances or any other physical conditions which may wt on the Mortg1l-ged Property at any time. Mortgagor will indemnify and defend Mongagee against allY and all liabilities or losses of any type whatsOever which Mortgagee may incur by rC$Son of any hazardou.,o; sub~tances or other physical conditions which may exist on the Mongaged Property at any time; provided, however, that il Mongagee shall acquire sole possession of the Mortgaged Property, Mortgagor shall have no obligation under this ll3.11l.gI"<\ph on au:ount of any condition which may thereafter come inlo existence .and which was not caused by a previously existing condition. Mortgagor's obligations under: this paJ.'agraph shall survive the tennlll,lltion and satisfact.ion of this Mortgage. Seventh: Mortgagor shall keep the Mortgaged Property it\.<;urcl! llgJIin.<;[ loss by fire, all other hazMds contemplated by Ille 1eon "01euM.d ~gel" and such other risks and hazards as Mortgagee shall require, in such amounts as Mortgagee shalt require. Mortgdgor will purchase flood insurance as and to the extent requued by Mortgag(:e. The Insurer or insurers will be chOM;Jl, by MOH./?gor, :m\Jject 10 approval by Mortgagee; l'l.Ild approval shall nOt be unreasonably witWlcld. All insurance policies shall contain loss. payable clauses in favor of Mortgagee and shall be cancelable by the insurer only after prior written notice by th9 insl,lrer lO Mortgagee. Mortgagor shall deliver written evidence of all such iusurance to MOrtgagee. If Mortgagor .f:aiIs to obtain and keep in force any required lnstmWCt: or fails to pay the premiums on .such iJlsur:ancc, Mongagee at its sole option may elect to do so. In the event of lOSS} Mortgagor shall give prompt notice to the in.smer and Mortgagee. Mortgagee at its option may elect to make proof of loss if Mortgagor dOes not do .so promptly, and to take any actiOJl it deeIllS necessary to preserve Mortg3-gor's or Mortgagee's rights under any insurance policy. Subject to the rIghts of the holders of any prior mortgage, insurance proceeds shall be applied to restoration or repair of the Mortgaged Property or to reduction of tlte Obligation, as Mortgagee may determine in its sole discretiOIL Mortgagor .hereby appoints Mongngee and its successors and assigns as Mortgagor's attorney-ill-fael to enoorse Mortgagor's name to .any dnltt or check which may be payable to Mortgag.:;\{ in order to collect such blliunncc proceeds. Eighth: Mortgagor hereby agrees to repay to Mortgagee on dem:md all sums which Mortgagee has electro to pay under Paragraphs Fourth and Seventh, and lUly costs which Mortgagee has incurred in Ialdng actions permitted by Paragraph Sinh, and all such sums, as well as any amounts for which Mortgagor llas agreed to indemnify Mortgagee under Paragraph Sixth, shall, until repaid to Mortgagee, be a part of the Obligation and bear interest at the highest rate permi.ned by law (but not e:x:ceedi.ng the contractual rate or rates of .tnlere.s.t applicable to tbe Obligation by the te.rm.s. of.the Note). Ninth: Subject to the rights of the boWers of any prior mortgage, Mortgagor hereby Wisigns to Mortgagee all proceeds of any award in connection with >>ny condemnation or other taking of the Mortgaged Property or any pan thereof, or paymt.'1lt for conveyance in lieu of condemnation. Tenth: If' the Mortgaged Property Or any ponion thereo( consists of a unit in a condomininm or a {'laMed unit development, Mongagor shall perform all of Mortgtlgor's obiigations under the de.clarntion or covenants creating Or governing the oondominium or plannw 'Uflill\evclopm.eot, the by-laws, rules, and regulations of the condominium OJ planned unit development, and related documents. If a conl1omi.nium or plarmed unit (Ievclopmcm rider is exCUlted by Mortgagor .and recorded with lhis Mortgage, the covenants and agreements of such. rider shall be incorporated herein as if tlle rider were a part hereof. Eleventh: In OJ;dt.'1" to further secure Mongagee in lhe event of default in the payment or the Obli,gation or in the performance by Mort~:agor of any of the covenants, conditio11Jl, or agreements contained herein, Mortgagor hctcby assigns and transfers to Mortgagee and its successorS and assigns nny and allleascs on the Mortgaged Propeny or any pan tbereof, now existing or whjch may hereafter be m3de at allY tune, together with any and all rt:lJ.ts, issues, and I?rofits arising from the, Mortgaged 0410% 09 ~ U BoodJ13!\1st till PlIge2of5 12/08/2004 06:44 CITIZENS D1RECT COUNSELING ~ 912156363999 NO. 55? Q004 n./zu,Rev.(IW4-) LC(XI94) LD. 8/'iM Property un.der $aid leases or otherwise. Mortgagee shall have nO' obligation to perform or discharge any duty or liability under such leases, but shall have full authorization to c()llect ill rents under the leases or otherwiSe, to take possession of and rent the Mortg'.J.ged Property, and to take .any action, including legal action, it deems necessary to preserve Mortgagor's or Mortgagee's rights under such leascs. Mortgagor shall not collect any rent in advance of tbe date it is due. Twelfth: In !he eveD.t that (a) any warratUYI covenant., Ot agreement contained herein is breached; (b) any representation or vlarrantycont.ained herein or otherwise made by any Mongagor in connection with this Mongage proves to be false or misleading; (c) any default occurs under the terms of the Note or any agreement evidencing, secuting., or otherwise executed and delivered by any Borrower or Mortgagor in ronnectioD with the Obligation; (d) any default occurs unQcr the termS of any other nlortgage or other lnstrUIIlcut creating a lien an the Mongaged Property; (e) a holder of any lien enCUJrtberin,g the Mortgaged Property or any portion thereof (whether such lien is junior ar superior to the lien of this Mortgage) commences a fOreclosure or any other proceeding to execute <:In such lien; (t) any Mortgagor beooIIle5 inSolvent or makes an assignment for the benefit of creditors; or (g) any action, petition or other proceeding is rued or co:ro.menced under "-ny state Ot tede.ral bankruptcy or insolvency law, by Mortgagor or anyone else, regarding the assets of Mart gag or. tbe~ in additiOn. to exercising any tights which. Mortgagee may have under the terms of the Note or any agr.eement securing repayment of, or relating to, any pottiDn of We Obligation or which are otherwise provided by law, Mortgagee. may foreclose upon the Mortgaged Property .\ by appropriate legal proceedings and ,eU the Mortgaged P~operty for the collection of the Obligation, together With costs of suit and 8.'0. attorney's commission equal to the lesser of (a) 20% of the amount due Or $500.00, whichever is greater, or (b)~the m.a:timum amount pennitt.e.d by law. Mortgagor hereby forever waives and releases all errors in the said proceedings, stay of execution, and the righr. of inquisition and extensiOn of time of payment. Thirteenth: The rights and remedies of Mortgag~ provided herein, in the Note, or in any othm- agreement securing repayment of, or relating to, any portion of the Obligation, or otherwise provide<l by law, sW be cum,llatjve and may be pursued singly, concurrently, or successively at Mortgagt:.e's sale discretion, and m~y he exercised as often l1S necessary; and the failure to exercise any such right or remedy shall in no event be constrUed .as a waiver or release of the same. Fourteenth:. The covenants, conditions. and agreements cootained herein shaU bind the heirs, personal representatives, aJl,d successors of Mortgagor, and the rights and prtvi1eges contained berein sball inure to the succrssors and assigns of Mortgagee. F"1ft:eenth: This 'Mortgage shall be governed in 3.11 respero; by tbe laws 01' Pennsylvania. If any provision hereof shall for lID)' reason 'be held invalil1 or unenforceable, no other provision shall be affected thereby, and this Mortgage shall be constrned as if we invalid ot unenforceable provision bad never been part of il <.0 en ::n '~ H 7\:\ ,;;':;jh .;:.....: -0 =:3 . '" 2 ~ :~; c~: ~ ~ co -, r'. o":c (,.". Page3of5 BBDK1Ji3fiAG( fJ12 12/08/2004 06:44 CITIZENS DIRECT COUNSELING ~ 912156353999 NO. 557 [;1005 " -,... " " _ 'l'.M Witness the due execution and sealing hereof the day and year fust above written: w;,,= (I '- 0 , Mo~go, JOHN M'~J:':""OF~ // x --C -=sh ~ 1\ . x Cf~ fr/__YL Witness ~ I M6rtl>"1)'Jr X X (Scal) Wilnesli X CL~ A \ IA l I~1& (Seal) (Seal) MEILON BANK, N. A. I Mortgagee within named, hereby certifies that its principal place of business is at 10 SOUTH MARKET SQUARE HARRISBURG, PENNSYLVANIA 17101 i ~':--1' J iII>--...,--1ilim>_\____lillli11Iii%m;"___I'!ll&W1!.' ~Jl~n.~~~...k<'J!mnrtci@~~i]r&~~l'l~~~l~~1.~,~.t~i~f.mi~:i MELLON BANK, N. A. COMMONWEALTH OF P;E:NNSYL VANIA CouDtyof c...",~\ On the \ O-\:r-. day of JOHN M. IVANOFF ~\ CYNTHIA fl.. IVANOFF , 19 ~\::> I before roe personally came ,who, bein,g NoW-rial seal PlJblIc loin!)' Ellel.!i'I JOi'll.!$, Notad' County C3,rhsle ~o~o. W~:~IN~"- 22, 1899 My CommISSion "I N lalies ~r Pe;\l\oyl'Jilnia ,\ssotlzttCln 0 0 1ii1i"'~.,-. ;~.sgr~_L~. CoIllll10nweatth of Pennsylvania County of OI4'LJ...u..ldA L Reco~dZ in the Officc of the Recorder o(]xxxC, in .nd lor suid C'A)""'Y on [b, -,-_lL~ day of C ' ~ 19 ,inMongagellookVolrnne .lS/3 ,page /0 . dUlysworn,didacknowl~gethat ~ didsi~theforegoinginsrrument.andthatthesameis ~\ '..;~ '~, . free act and deed. lu tesnmony wllereo!, 1 b1lve creunto subsCrIbed my name. -.. /",0- .................. ..(,<~..l~ NQI"')' Ii ./l} 'ifF:-~\'P;'f; x 0>M",~'.' '"1~~~1.t: My Co _.~!i~ ~~7t:~f~;~~> . {,j-/"ri;;~,~~~,~'t~y"."'''- r,_ ~ ., _l.lI-fl.W'~ '1*~Ii'5i!'tl__Jll~~l1i'i +<i;,%'t~_.i$fb'1tttffi_~~!t4tIW!!BP.At'im~if;~ I ~, tji;~/ '-. Witness my 1land and lbe scal of said o1llce the day anI! year aforesaid.. RO:COUlcr X P"1lt-4of5 041096 09: 41 )!l...... w Bod313rAGt .613'<:' 1"- ..' ;...:~.'_...::::"_.~.,<.,..:"':l'i',_\i "J:; ~r~\: .~;,;" ...,.... 12/08/2004 06:44 CITIZENS DIRECT COUNSELING? 912156363999 NO. 557 [)006 FtOiI1 JOHN.k. IVANOFF CYNTHIA R. IVANOFF Th HELLON BANl(, N. A. Rot:O~do-lI,1:l.i\to MELLON BANK N.A. P.O. BOX 149 PITTSBURGH, PA 15230-0149 l.A4662799 0275 00414 Tax Patcel #: LEGAL. DESCRIPTION: ALL THAT eER'rAIN PROPERTY sITUATED IN EAST PENNSBORO TOWNSHIP IN THE COl!N'rY 01' CUMBERLAND, AND STATE OF PENNSYLVANIA AND BEING DESCRIBED IN A DEED DATED 06{01{87 AND REeORDED 06/03/87, AMONG THE LAND REeORDS OF THE COUNTY AND STATE SET FORTH ABOVE, AND REFERENCED AS FOLLOWS: BOOK R32 PAGE 1062. LOT 8,9,10 SECTION B HOOPY'S ADDITION PLAT BOOK 1 PAGE .7 SEE LO~ ll..-2116R.ev.(9J,.14)L.C.9J94LDHlr95 Page 50(5 04109(;09:41 Bood313mt 614 EXHIBIT "C" EXHIBIT "C" ALL THAT CERTAIN tract or parcel of land situate in East Pennsboro Township, Cumberland County. more particularly boundcd and described according to a Survey of William E. Secs. .Jr.. Consulting Engineer, dated April 21. 1960, as follows: BEGINNING at a point at the Southeast corner of Perry Street and Zion Street; thencc Eastwardly along the Southerly line of Perry Street eighty-thrce and tcn one-hundredths (83.10) feet to a point; thence South cight (08) degrees thirty (30) minutes East through the center line of a partition wall betwcen premises herein described and premises adjoining on the East thereof known as No. 330 Perry Street and bcyond. on hundred twenty (120) feet to a point on the Northerly line of a ten feet wide private alley; thcnce South cighty-one (81) degrees thirty (30) minutes West along same. eighty-three and ten one-hundredths (83.10) fcet to a point on the Easterly line of Zion Street; thence Northwardly along same. one hundred twenty (120) feet to a point. the place ofbcginning. BEING parts of Lots 8, 9 and 10, Section B on Plan No. L Noopy's Addition to Town of Enola. recorded in Plan Book 1 Page 7, Cumberland County Records. I IA VING thereon ereeted a two and one-half story frame semi-detached dwelling known as No. 332 Perry Street, Enola and a one-story block garage. Tax Parcel #09-14-0832-374 1:\\.\'1'(' 'TJ)I KS'_, I M4",IVill1()ft~4'n\Ne\\ hlncclo,ure....Clllllrlainl.l ~1);1l5 \\)1d EXHIBIT "D" ..~.. SILVERMAN BERNHEIM & VOGEL ~y '~ Attorney, at Law LAUREN R BERSCHLER DIRECT DIAL (412) 255-3767 e-mail: Iberschler@sbvlaw.com (lrUJUNSEL jONATljAN ^ SA1IJEL CERTIFIED MAIL-RETURN RECEIPT REQUESTED and FIRST CLASS MAIL !vlAI(Y 1'>. STLlN Two Penn Center P18Zil IMPORTANT: NOTICE OF HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 Suite 9]0 Phil<ltldphiC'l, PA 19102 I" 215.5690000 PLEASE READ THIS NOTICE. YOU MAYBE ELIGIBLE FOR FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PA YMENTS F 215.636.3999 DATE: October 27,2005 TO: John M. Ivanofl and Cynthia R. Ivanoff 322 W. Perry Street Enola, P A 17025 Sentry Office Pbza 2 L6 Haddon AVenl\e Suite 602 W(',stlllonr, N.l 08108 p. 856.858.9499 F 856.858.4606 FROM: Lauren R. Bersehler, Esquire RE Mortgage dated Apri] 10, 1996; Account no. 6080036111 Mortgaged Property: 332 West Perry Street, Enola, P A 17025 Your Mortgage is in serious deI~~ult because you have failed to pay promptly installments of principal and interest as requircd, for a period in excess of sixty (60) days. The total amount ofthe delinquency is $2,381.64. The sum includes the following: On\..: Oxford Cer'll'H' WWW.sllV[;lW.Clllll Principal and Interest (overdue Ii'om 7/14/05 through 10/14/05) 4 payments @ $584A4 Late Charges Overage TOT AL AMOlJNT OF DELINQUENCY $2,337.76 75.00 (3112) Suite 4100 Pitlshurgh, I'A J ')219 1': 4J2.2';).3767 F 41 U55J701 $2,381.64 Additionally, another paymcnt of $584.44 bccomes d lIC 011 Novembcr 14,2005. P \WPCNET\DOCS\3 J G G4 \ Ivanof 1-4 97\New Porec losure \7\('[:91 102705. ~!pd SILVERMAN BERNHEIM & VOGEL You mal' be eJi>!ible for iinancial assistance tbat will prevent foreclosure on your Mortgage if you comply with the provisions of the Homeowner's Emergency Mortgage Assistance Act of ] 983, as amended (the "Act"). You may be cligible for emergency temporary assistance if your default has becn caused by circumstances beyond your control, and if you meet the eligibility requirements of the Act or determined by the Pennsylvania Housing Finance Agency. Please read all of this Notice. Jt contains an explanation of vour ri>!hts. Under thc Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days fi'om the date orthis Notice. During that time you have the right to arrange a lIhlce-to-face" meeting with a representative of thls lender, or \vIth a designated consumer counseling agency. Thc purpose of that meeting is to attempt to work out a repaymcnt plan, or to otherwise settle your delinquency. Thalmcelin>! must occur in thc next thirtv (30) dews. If you attend a face-to-face meeting with this lender, or with a consumer credit counseling ageney idcnti lied in this notice, no further proceeding in mortgage foreclosure may take place for thirty (30) days after the date of that meeting. The name, address and telephone number of om representative is: Marlene Medeiros Citizens Bank of Pennsylvania 480 Jefferson Boulevard RJE-IIO Warwick, RI 02888 1-888-522-7552 The names and addresses of designated consumer credit counseling agencies are: Adams County Housing AutllOrity 139-143 Carlisle Street Gettysburg, P A 17325 (717) 334-1518 CCCS of Western P A 2000 Linglcstown Road Harrisburg, P ^ 17102 (888) 511-2227 Community Action Commission ol'Capital Region ] 5 J 4 Derry Street Harrisburg, I' A 17104 (717) 232-9757 F: \WPCNE:'l'\DOC.s\3J 6{)4 \ IV<llloff - 'I 9"1 \Ne\1 F'oreclosure \Act ') 1 . 102 cI05 wpd SILVERMAN BERNHEIM & VOGEL Loveship, Inc. 2320 North 5'" Street Harrisburg, P A ] 7 I 10 (7 I 7) 232-2207 Maranatha 43 Philadelphia A venue Waynesboro, PA 17268 (717) 762-3285 PI-IFA 2 I 1 North Front Street Harrisburg, PAl 7] 10 (ROO) 342-2397 It is only necessary to schedule one face-to-face meeting. You should advise this lender immediately of your intentions. IfYOll have tried and are unable to resolve this problem at or after your face-to- lace meeting, you have the right to apply for llnancial assistance Ji-om the Homeowner's Emergency Mortgage Assistance Fund. In order to do this, you must fill out, sign and flle a completed Homeowner's Emergency Assistance Application with the Pennsylvania Housing Finance Agency. The consumer credit counseling agency will assist you in Jilling out your application. It must be flied or postmarked within thirtv (30) davs to your faee-to-face meeting. You must either mail your application to the Pennsylvania Housing Finance Agency, or you must file it at an office of one of th~ designated consumer credit counseling agellcies listed above. The Pennsylvania I-lousing Financing Agency is located at: 21 I North Front Street P.O. Box 8029 Harrisburg, P A 171 0 1 Telephone: (717) 780-3800 or 1-800-342-2397 (toll JiTe number) An application for assistance may be obtained Ji'om a consumer credit counseling agency, or directly Froll1 the Pennsylvania I--lousing r,'inance Agency. ft is extremely inJl)or(an( that you file your alJlJIic:ation promptly. Ifyou do not cia so. or ilyou do not follow the other time periods set forth in this letter. foreclosure ll1ay lJroceed Cl\2,ainst \lour hOll1e irnrnediate\v, F \WPCNE:T\DOCS\J16G4\Ivi1noff-40'/\Nevl Foreclo.suno>\Ac:.L91 1(J270S Vll)U SILVERMAN BERNHEIM & VOGEL Available funds for emergency assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. It is extremelv important that vour application is accurate and complete in everv respect. The counseling agency will help YOlllI1l out the application. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that additional time, no foreclosure proceedings will be pursued against you if you have met the time requirements set I'orth above. You will be notilicd directly by that Agency of its decision on your application. Vcry truly yours, ~LillUJ~ (6mJ~ Lauren R. Berschler, Esquire Attorneyj()r Citizens Bank of Penn sylvania LRB/]c THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR T1-IA T PURPOSE. HOWEVER, IF YOU HAVE PREVlOUSL Y RECEIVED A DISCHARGE jN BANKRUPTCY, TI-IlS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED AS AN ATTEMPT TO COLLECT A DEBT, BUT ONLY AS AN ENFORCEMENT OF A LIEN AGAINST PROPERTY. F \1,,1!'CNET\DOCS\J1G61.\Iv,:muff-1,17\Nev.' Foreclosure\Act91 l0270!:' '^'pd *'I;:I:~::I:~:~:~':~~:~:*~:~:*'~**~':~~::I:~'~:~'~:~':I:~:~:~:'~~'~':~~"~~:'I'~'~'*'~***~':I;~:'~*'~*~:'~~:~,:~~:*~:,~~:~:,~~:~::~~,*~:,~,~:~~,:~~: l'.JOT1CE PURSUANT TO FAJR DEBT COLL.ECTiON PRACTICES ACT :I:~:*~:'~~:*~:'I:~:~:*~::~~'~:~:~::I'*~::~:I:~:~:~'~::1:~:~:~:,~~,~:*~,t~:'~'I:~:*:I:~:'~:~~:'~~::~*'~~:'I':~~:~'*~:~::~~:~:*~:~:*~::i:'I:'I'*~:~:*:I'~: i. Tl'IS communication is from a deb I collecLm. This is all atlcmptto collect a dcl,l alld any i'llc)rnl<,tion obtained will be used for that purposc. 2. Unless you dispute thc validity of Ihis debt, or allY portioll thereof, withill 30 days aftcr receipt of Ihis notice, the debt will bc ,11;SUIllCcI to be valiel by our oDices. 3. [f you notify our oJ1lces in writing within 30 days of receipt of this 110tice that the clcbt, m any portion thereof~ is clisputed, our oHiccs will provicle you with verificatioll of the debt or copy of the judgment against you, ancl a copy of such verilication orjuclgmcnt will be mailecllo you by our offices. 4. If you make a written request for it within 30 clays hereoJ~] will also send YOll the n,lme ancl address of the original creditor if ciiJTerent hom Citizen, Bank. " !" . . . C'~ ~, C/) 0' 0 ?; Q );.cll '1J;:+ () " ~ ,. ~ -;5' ::+ 0 :::l.CO 0 0 " ;:::> 'I-' ? o. 01>>......:J33 co 3 ~ o' =- .. ~g.~'; ~"'Q. 0 .. ~ .Jl at z T ~ ,. ffi:r~g::::;;;S M w , ~ 0. aJ ~ c >-- 0. ::t(jHll;$'~ co ~ 3 il 3 0- 00 o () () III (Jl CD ~ ~ --<;J 0 a e; ~ 3 s: 3 ~ ...."", \--::1. il. ru " < -po- ~ ~ ~c.......(tIn.(Jl fT1 m __ =; F"' R .g 0,2- ~~...... rr 'r co 2 m ~::r3o.0J"> ru m '" .----1--=. ? -< cr ~ roro_~~Dl m ~ "~ 1:1 g~Q-~'5. .0r- ^' = ~~'" 0 m~g'ill-<~ 0 <0 ~-" 3 ..... 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' (Endorsement ReqUired) , 7~ Restrlcted Delivery Foo (Endorsement Required) Total Postage & Fees $ C:c5 iie.!:.}1f~!~fil~f' . U1 ['0 M QJ U.S. Postal Service,. CERTIFIED MAllTM RECEIPT (D.omestlc Mall Only; No Insurance Coverage Provided) f1J rn QJ f1J Postage cr o Certified Fee o o Ratum Reciepl Fee (Endorsement Required) CJ Restricted Delivery Fee j] (Endorsement Requiwd) f1J f1J Postmark "Kere .;' Total Postage & Fees $ if; GJ eJ rn ~ ;;;;;:;g~~~ii~':iJj::i-i2~;~L cltjt:"State,ZIP+4 v fA l' ule; ,:11 :11 II " '" d' ~ ~ ~ "0 3 ~CD w ' z ~ ~ ~ -I. :3 g- o " " m m < 0" 0" 2 . m '" -< i? ^' = o <0 .. o o 3 m ~ " :0 m ii " :lJ m o m "S "" o o w ru ru 0- D D D o .z ,; ~ ~ w " " N ~ ~ ~ o !" ;.. "' o O)(~ 5" J:l 0 <' ~ ~ ~ @" ~*1t~ ""," 0."'0 Bi~,?:(1) =: ~ o <I' o " m n ~ . " 0. . m :0 . * o' m 0. o "- ". ru . ~ i 060 nJ ii1 0 ffi1 J:r u - '0 Q;I ci1 0 f; rn ~ JE.. ' ~ ~ "" ~if Ln (ll :=; ~ Q (\\ :::::> " ~ p CjJ D ; 'j~ ~ 0" N -r (D , ~,. -- ~ ~ '"C ~. g P 8. " ~ 10 . . . 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SHERIFF'S RETURN - REGULAR CASE NO: 2005-06256 P COMMONWEAL~H OF PENNSYLVANIA, COUNTY OF CUMBERLAND CITIZENS BANK OF PENNSYLVANIA VS IVANOFF JOHN ET AL DAVID MCKINNEY Sheriff or Deputy Sheriff of Cumbe~land County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon IVANOFF JOHN the DEFENDANT , at 1948:00 HOURS, on the 21st day of December, 2005 at 332 WEST PERRY STREET ENOLA, PA 17025 by handing to JOHN IVANOFF 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 14.40 .00 10.00 .00 42.40 _..:fI{:;,r:--.. -1'" ...... ... R. Thomas Kline 12/22/2005 SILVERMAN BERNHEIM VOGEL Sworn and Subscribed to before By: /' If.. me this ~_ day of -~t~~~y A.D. -, SHERIFF'S RETURN - REGULAR CASE NO: 2005-06256 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CITIZENS BANK OF PENNSYLVANIA VS IVANOFF JOHN 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 IVANOFF CYNTHIA the DEFENDANT at 1948:00 HOURS, on the 21st day of December, 2005 at 332 WEST PERRY STREET ENOLA, PA 17025 by handing to JOHN IVANOFF, HUSBAND 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 .00 16.00 f R. Thomas Kline 12/22/2005 SILVERMAN BERNHEIM VOGEL Sworn and Subscribed to before By: J) /,~/Jl/- t/ ' 6 ,,:W Deputy Sheriff me "'. this ~___ day of ( A.D. y ./ SILVERMAN BERNHEIM & VOGEL BY: Daniel S. Bernheim, 3d, Esquire Lauren R. Berschler. Esquire Identitication Nos.: 32736 & 88209 Two Penn Center Plaza, Suite 910 Philadelphia, PA 19102 (215) 569-0000 CITIZENS BANK OF PENNSYLV ANIA Plaintill C01JRT OF COMMON PLEAS CUMBERLAND COUNTY v. NO. 2005-06256 JOHN IVANOFF and CYNTHIA IV ANOFF Defendants PRAECIPE TO ENTER DEFAULT JUDGMENT TO THE PROTHONOT AR Y: Please enter a judgment by default in the amount of $46.315.80, plus intercst at the per diem rate of $8.61, from February 7. 2006. and costs of suit. in favor of Plaintiff. Citizens Bank of Pennsylvania, CCitizens"), and against Defendants. John Ivanotland Cynthia Ivanon; CDefendants"), for their failure to answer or otherwise plead in response to the Complaint in Mortgage Foreclosure in this action. In support thereot Citizens avers the following: 1. On December 5,2005. Citizens commenced this action by filing a Complaint in Mortgage Foreclosure with a Notice to Defend (collectively. the "Complain!"') against the above-captioned Defendants. 2. On December 21. 2005, the Complaint was personally served upon Defendant, John Ivanoff. who also exeepted service I()!" his wife and Defendant. Cynthia Ivanoff at their residence located at 332 West Perry Street. Enola. 1'/\ 17025. True and correct copies of the Sheriffs Return of Service forms are attached hereto. incorporated herein by reference and collectively labeled as Exhibit "A." I . "Wf'C . ] :TI )ocS",j j M4",lvanoff-497",NC\v For<:c1osun.:'.,[)CEllIIU LH.Jgl1lc:nr ()20706, wpd 3. Defendants failed to plead in response to the Complaint within 20 days. 4. On January 13,2006, a Notice of Intention to Enter Judgment By De!ault was served upon the Defendants by United States first class rcgular mail, postage prepaid at 332 West Perry Street, Enola, Pi\ \7025. True and correct copies of the Notice are attached hereto, incorporated herein by reference and collectively labeled as Exhibit "B." 5. More than 1 0 days have elapsed since the Notice of Intention to Enter Judgment By Default was mailed to the Defendants, and to date no responsive pleading has been liled. 6, Damages should be assessed in the amount of $46.315.80, plus interest at the per diem rate 01'$8.61 II'om rebruary 7, 2006. and costs of suit. which is calculated as tl,llows: Principal Accrued interest (through 2/7/(6) Accrued late charges BPO/ Appraisal Attorneys fees (20%) TOTAL $36.404.92 1.782.90 90.00 400.00 7,637.98 S46,315.80 7, The aforementioned sum is the amount demanded in the Complaint with interest and attorneys fees carried forward to rebruary 7, 2006, WHEREFORE, Plaintiff: Citizens Hank of Pennsylvania. demands judgment in its !avo I' and against Defendants. John Ivanoff and Cynthia Ivanoff in tile amount of $46.315 .80. plus intcrest from February 7.2006 at a rate of $8.61 per day and costs of suit. Respeetlldly submitted, SILVERMAN BERNHEIM & VOGEL 1 l3y: )anie1 S. Bern eim. 3d. Esquire Lauren R. Bersehler, Esquire Attorneys f,)r Plaintiff Citizens Hank of Pennsylvania Dated: February 7. 2006 1..\VI'(', rll( llSJ I N4,lval1on~49TN<:\~' Fm,:d\1~l\n.~'\}cb\\IUlld~n1,;\\U\~\\7\\(,\\ ;,d SILVERMAN BERNHEIM & VOGEL BY: Daniel S. Bernheim, 3d, Esquire Lauren R. Berschler. Esquire Identification Nos.: 32736 & 88209 Two Penn Center Plaza. Suite 910 Philadelphia, P A 19102 (2 I 5) 569-0000 CITIZENS BANK OF PENNSYLVANIA Plaintiff COURT OF COMMON PLEAS CUMBERLAND COUNTY v. NO. 2()05-()6256 .JOHN IVANOFF and CYNTHIA IVANOFF Defendants CERTIFICATION OF SERVICE OF NOTICE OF PRAECIPE TO ENTER.JUDGMENT BY DEFAULT I. Lauren R. Berschler. Esquire, hereby certify that on .January 13.2006, a Notice of Intcntion to Enter .Judgment By Default was served upon Defendants, .John Ivanoff and Cynthia Ivanoff by United States fIrst class regular mail. postage prepaid at 332 West Perry Street. Enola. PA 17025. By: cjJll,rl ~MLi Lauren R. BersehIer. bsqlllre Attorney for Plaintiff Citizens Bank of Pennsylvania 1.....\\/)'( 'r>;I', I-',[)()('S\; 1',(,4".ly:,,,,,IH'lr.\',,, h)]ccl"'"",'..lki:l"ll J\lJ.~1l,"1ll1'2Il~ll'. "1'\1 SILVERMAN BERNHEIM & VOGEL BY: Danicl S. Bcrnhcim, 3d. Esquirc Laurcn R. Bcrschler. Esquire Identitlcation Nos.: 32736 & 88209 Two Penn Centcr Plaza, Suite 910 Philadelphia, PA 19102 (215) 569-0000 CITIZENS BANK OF PENNSYLVANIA Plaintiff COURT OF COMMON PLEAS CUMBERLAND COUNTY v. NO. 2005-06256 .I0HN IVANOFF and CYNTHIA IVANOFF Defendants CERTlFICA TlON OF ADDRESS \, Lauren R. Bcrschler. Esquire. hereby certity that thc address of PlaintitI Citizcns 13ank of Pennsylvania, is 80 I Market Street. Philadelphia. PA 19106. and that thc last known residential address of Defcndants. .Iohn IvanolT and Cynthia Ivanotf, is 332 West Perry Street. Enola. PA 17025. By: .aurcn R. Ber ehler. Esquire /\ttorney Il)r rJlaintilT Citizens /:lank of Pennsylvania I>'\\;I'('~IT'.I)( I( S,11(,(,.j'..I",lIHlflC.j.n'.:<c,\\ rn,,,,,I,"'Il'C".IJcb,,11 J"d~"','''I.II':11 ,". "1".1 SILVERMAN BERNHEIM & VOGEL BY: Daniel S. Bernheim, 3d, Esquire Lauren R. Bersehler. Esquire Identification Nos.: 32736 & 88209 Two Penn Center Plaza. Suite 910 Philadelphia, P A ] 91 02 (215) 569-0000 CflIZENS BANK OF PENNSYLVANIA Plaintiff COURT OF COMMON PLEAS CUMBERLAND COUNTY v. NO. 2005-06256 .JOHN IVANOFF and CYNTHIA IVANOFF Defendants AFFIDAVIT OF NON-MILlT ARY SERVICE COMMONWEALTH OF PENNSYLVANIA SS COUNTY OF PHILADELPHIA Lauren R. Berschler. Esquire. being duly sworn according to law. deposes and states that she is the attorney for Citizens Bank of Pennsylvania, and as such. is authorized to make this Affidavit on its behalf: and that, to the best of her knowledge. information and belief, Defendants, .John Ivanoff and Cynthia IvanolI: are not in the military or naval service ol'the United States or its allies or othcrwise within the provisions oCthe Soldiers and Sailors Civil Relief Act of 1940 and/or its amendments. swoiTl1 to and subsctibed bef'lI m,e this If'! day of ,J. kZu-,<-"<.< 2006. ~iY\ ~jlti111J L uren R. Be schIer. Esquire (!NQ,lAI?\.I\:Pjfl'lic\ . AN StASIA 8. Lc,t7'lJ:,~f :."ll~i:'/,~hr. '1 fPhih';:':":"~-- ,.;"\:" -.r"f1.J 1 y 0.. C! '....! ;""_,,,_,;', '}(JOt M COlTli!~;S~\',.';,Li"ipl:.~i..:':'::-' '~~,.;_...- 1"'W,-\'7iI,:rJ)I>rS',',lr,(,.HqlOull--I'!T,i'",<>f'orcch''1''c",l).:r:",Ir.llId""IC""'!"-"'''\\pd SHERIFF'S RETURN - REGULAR CASE NO: 2005-06256 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CITIZENS BANK OF PENNSYLVANIA VS IVANOFF JOHN ET AI, 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 IVANOFF CYNTHIA the DEFENDANT , at 1948:00 HOURS, on the 21st day of December, 2005 at 332 WEST PERRY STREET ENOLA, PA 17025 by handing to JOHN IVANOFF, HUSBAND 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 .00 16.00 .::;i'" R. Thomas Kline 12/22/2005 SILVERMAN BERNHEIM VOGEL me this day of Sworn and Subscribed to before By: A.D. Prothonotary EXHIBIT "B" "."""" '~' SILVERMAN BERNHEIM & VOGEL -<illl ""lI:>- 1.^IJIU.~N I{, 111~RSC!!U::r{ I lll{FTT DIAL (Ij 12) 255-J7(i7 l;-ln(,il:l!!.~st:hlcj'({/)sbl'l:l\V,C()m C1F'(IllJNSEI, IOI'>JATI-IAN AS/\lllI:!- 1\'IARY ]I. STEI!',I Twu Penn Center Plaza Suire 910 Phibdclphi,1, PA 19102 1': 215.569.0000 F 215.636.3999 Sentry Office Pbza 2161-bddull AvenuE' Suite 602 WcStlmmt, NJ OflJ 08 P 856.858.9499 F 856.858.4606 011[' UX(~lHJ Centre Suile 4")00 l'ilLshlll'gh, 1','-\ 1')219 1'- tjJ2.25,)J7(\7 I ;IUI\Jll11 wW\\'.slwl,lW.Ullll AWJmc)l,5 at: Law .January 13, 2006 .Tohn1vanoJJ 332 West Perry Street Enola, P A 17025 Re: Citizens Bank of Pennsylvania v. John Ivanoff and Cynthia Ivanoff CCP, Cumberland County, No. 2005-06256 Dear Mr. Ivanoff: As you are aware, this office represents Citizens Bank of Pennsylvania in the above matter. Enclosed please find a Notiee ofIntention to Enter Judgment by Default. Sincerely, SILVERMAN BERNHEIM & VOGEL ? Byr!). l~Plj[d~u l~ BERSCI-lI~ER' LRB/lc Enclosure r::\WI'CN['j"\UOCS\31 ()(\4\ll'illl(lJl~'1<)7\Ncw J:oll:clllSlIrc\lv;llloI"IJ.() II :>O('.Wlll! SILVERMAN BERNHEIM & VOGEL BY: Daniel S. Bernheim, 3d, Esquire Lauren R. Bcrschler, Esquire JdcntiJlcation Nos.: 32736 & 88209 Two Penn Center Plaza, Suite 910 Philadelphia, P A 19102 (215) 569-0000 ClflZENS BANK OF PENNSYLVANIA Plaintiff COURT OF COMMON PLI~AS CUMBERLAND COUNTY v. NO. 2005-06256 JOHN IVANOFF and CYNTHIA IV ANOFF Defendants To: .JOHN IVANOFF Date of Notice: January 13, 2006 IMPORT ANT NOTICE YOU ARE IN DEFAULT BECAUSE YOUIIA VE FAILED TO ENTER A WR1TTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRlTING WlTI-I TI-lE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTI1 AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE'. OF THIS NOTICE. A .IUDClMENT MAY BE ENTFIWD ACiAINST YOU WITIIOUT A I-IEcAI~ INC; AN I) YOU M/\ Y LOSE YOUR PROPERTY OR OTI-II':R IMI'ORTANf RICiI-]TS. YOU SHOULD TAKE THIS I'AI)I,R TO YOUR LA WYER AT ONCE, IF YOU DO NOT HAVE A LA WYI.:rZ, GO TO OR TI':U,I'I IONic: THE OFFICIc: SE-:T ['ORIII HH.OW. THIS OFFICE, CAN I'ROVIIW YOU WITHINHWM;\TION AllOIJT IIWING A LA WYER 1':I\YI'{:i\'1 I )(H.'S\.1Ih("I\I\'an,'Il:'I'n\N~\\' F{l,.~"I"""l'\llltI:lY ''''li,-C'..I"llIl_(III_,II('_II"\,,1 IF YOU CANNOT AFFORD TO I-lIRE A LA WYER, TI-[fS OFFICE MA Y BI~ AE\I~E TO PROVIDE YOU WlTl-IINFORMATJON ABOUT AGENCIES Tl-lA T MA Y OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO I~EE COURT ADMINISTRATOR 4"1 l'lnnr, Cumberlalld Coullty COLlrlhOllse Carlisle. PA 17013 (717) 240-6200 Respectfully, SILVERMAN BERNHEIM & VOGEL By: [,., ! I . . "~~ . I .',\ h', '\ , ( ';p i U rIll .1'Si' if vh (iLl v Eauren R Berkchler)~sguire Attorney for Plaintiff, Citizens Bank of Pennsylvania Two Penn Center, Suite 910 Philadelphia, PA 19J 02 I,:\WI'( 'N ,'j-\ll( )(~S'.J I Ml'I\lv<\llolf"'I')7\Nc\\' 1:'lIccIOSlIIC\1 ()Juy ,11<1(ilTJ<1hl\,O 113(){,,\\'IK\ i,_. ",""",. SILVERMAN BERNHEIM & VOGEL ...." -- IJ\lmEN R. 111:RSCII[,[J{ 11IIZLCT DIAL. (LiI2) 2SS-:l767 c-ll1ail:lbcl'schlcl'((i::shl'l:t\\'.COI11 ()J; U lUNSEL JOHATJ IAN ^- S/\IlJEL IvIAl\Y 13. STEIN Two Penn Center PI~lw Suite 910 Phihidclphi;:\, PA 19102 l' 215.569.0000 F 215.636.3999 Sentry Orfice Plaza 216 Haddon Avenue Suite 602 WeSltnOl1t, NJ 08108 p. 8S6.858.9499 Fe 856.858.4606 One Oxford Celli n' Suite 4HJ() l'iIlShllll~h, l'i\ j 521 Y ,. 412.255.\767 F 412255.3701 W\\'\\'.sh\'I:\\\'.UlI\l Attorneys at Law January 13,2006 Cynthia Ivanoff 332 West Perry Street Enola, P A ] 7025 Re: Citizens Bank of Pennsylvania v. John Ivanoff and Cynthia Ivanoff CCP, Cumbedand County, No. 2005-06256 Dear Mrs. Ivanoff: As you are aware, this office represents Citizens Bank of Pennsylvania in the above matter. Enclosed please find a Notice ofIntention to Enter .Judgment by Default. Sincerely, SILVERMAN BERNHEIM & VOGEL ~ ~,~ BYjlH J,l{rl ~U s AUREN R.13ERSCHLER LRB/Ic Enclosure 1;:\ W] 'eN L~'r\D()CS\3 I ()(,4\lv<lIHIIT-'I\)7\Ncw FllrccIOSlIIC\lv<llllllrc ,0 I I JO(,_ wpd SILVERMAN BERNHEIM &. VO(;r~L FlY: Daniel S. Bernheim, 3d, Esquire l~auren R. Bersehlcr, Esquire lc1entiJieation Nos.: 32736 & 88209 Two Penn Center Plaza, Suite 910 Philadelphia, PA 19102 (215) 569-0000 CITIZENS BANK OF PENNSYLVANIA 1)lainti ff COURT OF COMMON I'U':AS CUMI31':RL.AND COUNTY v. NO. 2005-06256 .I0T-[N TV ANOFF ancl CYNfl-L1A IV AN OFF Defendants To: CYNTHIA IVANOFF Date of Notice: January 13, 2006 IMPORT ANT NOT1CE YOU ARE TN DEF AULT BECAUSE YOU I-lAVE FAILED TO ENTER A WR1TTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FrLE IN WRIT[NG WITH'fl-]E COURT YOUR DEFENSES OR Oll.lECflONS TO TilE CLAIMS SET FORTH MjAINST YOU. UNL.ESS YOU ACT WITHIN Tlc:N DAYS FROM Till' DATI~ ell" TillS NOTICE. A .IUDCiMLNT MA Y 13F, I':NITRED MiAINST YOU W[TI IOUI' A I"~ARING /\ND YOU MA Y LOSE YOUR I'RO['!:Iny OR OTI-IER IMPORTANT IZ[Ci! ITS. YOU SHOULD TAI(C TI-IIS PM'!:IZ TO YOUR LA WYI'R AT ONCI.:. IF' YOU DO NOT ] lAVE A LA WYER, GO TO OR TI':U,I'I-IONlo THF or!I!ICI, SI.T I!OI{I[ I I\I~IOW. THIS OFFICE CAN PROVIDE YOU WITI [ INFOI<.MATION AUOUT I IIRINC; A LA WYJ-K I;:\\\'I'CNI 11()("S\.i 1{)I'.I\I\.;lllllll~<I'JI\N\:" h',ecl,,,,,..e\IOd;,r.lH>I;c".(\'lllh;a.lill.lf'{,.\\ I'd IF YOU CANNOT AFFORD TO HIRE A [JA WYER, THIS OFFICE MA Y [IE ABLE TO PROVIDE YOU W1TH INFORMAT10N ABOUT A(mNCII~S THAT MA Y OFFER LEGAL SERVJCES TO ELIGIBLE PERSONS AT A REDUCED [EI~ OR NO FEE COURT M)M[NISTRATOR 4'11 1;'loor, Cumberlalld COllllty Courtboose Carlisle. PA 17013 (717) 240-6200 Respectfully, SILVERMAN BERNHEIM & VOGEL. L1/ (()!' '., 0" . \. ,.. i "{ ( f. ,-' 1\ it ), n )! ,~fi!,,"1 r' By:! filL! ,IJil\,:)/'i.i\V\\:L i fl' i"-- --'v>'-' '-.,-' 'c./ Lauren R. Berschler, Esquire Attorney for Plaintiff. Citizens Bank of Pennsylvania Two Penn Center, S\.lite 910 Philadelphia, PA 19102 1":\\\'1'<. 'N '1\1)( l('S\:; I ()M\ll';lIl{1n~'I'n\Ncw I:ulccl(l.'illld I (Id;IY,IH.1Iicd'yl\lhiu,() II :\0('_\\1"1\1 p ..(.Q.. 7d \ ....0 ~ \) '(:J 0 , -0 .-' - 3~ ~ l.I) -J " ...t::;. - , ~ D p:: "..t.::' - -" ---.0 1=? ~~ ',. , :'\ (...) r "....j ---. - OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS - CUMBERLAND COUNTY Carlisle, PAl 70 13 CURTIS R. LONG Prothonotary TO: John IvanotY" and Cynthia Ivana If 332 West Perry Street Enola. PAl 7025 CITIZENS BANK OF PENNSYLVANIA Plaintiff COLRT OF COMMON PLEAS CUMBERLAND COUNTY v. NO. 2005-06256 JOHN IVANOFF and CYNTHIA IVANOFF Defendants NOTICE 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 proceeding as indicated below. Curtis R. Lon~ I'rolhonolarv ----.2L Judgment by Default e2JqJck \1oney .1 udgment Juclgment in Replevin Judgment Illr Possession Judgment on A ward of Arbitration Juclgment on Vercliet Judgment on Court f'indings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTrCE. PLEASf'. CALL: ATTORNEY LAUREN R. BERSCHLER at this telephone number: (412) 255-3767. f....\VI'I.f;IT,IIII('S.,.;I(,("j'..h,,""il.-l'!,...l\c'.\'F"..",-I"",r,"..[),I;",I"llI<I""Ic"""_"'-""__'_'I''' SILVERMAN BERNHEIM & VOGEL BY: Daniel S. Bernheim, 3d. Esquire Lauren R. Bersehler. Esquire Identification Nos.: 32736 & 88209 Two Penn Center Plaza, Suitc 910 Philadelphia. P A 19102 (215) 569-0000 CITIZENS BANK OF PENNSYLV ANli\ Plaintiff COURT OF COMMON PLEAS CUMBERLAND COUNTY v. NO. 2005-06256 JOHN IVANOFF and CYNTHIA IVANOFF Defendants PRAECIPE TO VACATE JUDGMENT WITHOUT PREJIJDICE UPON CURING OF DEFAULT ON RESIDENTIAL MORTGAGE TO THE PROTHONOTARY: Please vaeate the default judgment which was entered in favor oflhe Plaintiff and against the Defendant on February 9. 2006. in the above-captioned matter without prejudice. Respectfully Submitted. SILVERMAN BERNHEIM & VOGEL BY: · !f.~ / )aniel S. Bernheim. 3d, Esquire Lauren R. Berschler, I esquire Date: February 21, 2006 1..\\'['('. :T.I)()CS\j I hh4"JvanoflA97\NI:\V l-'or~cll)';lIrc'"Praccipc, Vu\:ali.;.JlIdg0221 or" \Vpd 0 '* ;.'. .~ ~) 't9:: ~. c.~ ~- B --'<::> .. -- , -I:;:) ~ '-I V1 ~ -'..' ~ " c-- ^" ~ 'J -~J "\ ~. "?