The URL can be used to link to this page

Home My WebLink About05-6350 . SHAPIRO & KREISMAN, LLC BY: KEVIN DISKIN, ESQ., JOSEPH REJENT, ESQ., ILANA ZION, ESQ., MEGAN D.H. SMITH, ESQ. ATTORNEY !.D. NOS. 86727,59621,87137 & 84047 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 05-25356 Sun Lending Corporation P. O. Box 4724 Greenwich, CT 06831 PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: OS -W~6 Clio.J ~Efl...~ VS. Joel B. Frownfelter and Patricia A. Frownfelter 63 Fairview Street Carlisle, P A 17013 DEFENDANT(S) COMPLAINT - CIVIL ACTION MORTGAGE FORECLOSURE 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 IFYOU FAIL TO DO SO TIII<: 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 OTlIER 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 LAWYERATONCE. IFYOU DONOT HAVE A LA WYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTII B!<:LOW TO FI NO OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, nlls OFFICE MA Y BE AIlLE TO PROVIDE VOl. WITH INFORMATION ABOUT AGENCIES THAT MA Y OFFER LEGAL SERVICES TO ELIGIBLE PERSONS A T A REDUCED FEE OR NO FEE. Cumberland County Lawyer Referral Service Telephone: 717-249-3166 Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 , PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTlCIA LE HAN DEMANDADO A USTED EN LA CORTE. SI USTED QUIERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGVm\TfS. USTED TlENE VIENTE (20) DlAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA ESCRITA 0 EN PERSONA 0 POR ABOGADO Y ARCHlV AR EN LA CORTE EN FORMA ESCRIT A SUS DEFENSAS 0 SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU PERSONA. SEA A VISADO QUE SI USTED NO SE DEFIENDE, LA CORTE TOMARA MEDlDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO A VISO 0 NOTlFICACION Y POR CUALQUlER QUEJA 0 ALIVIO QUE ES PEDIDO EN LA PETlCION DE DEMANDA. USTED PUEDE PERDER DlNERO 0 SUS PROPIEDADES 0 OTROS DERECHOS IMPORT ANTES PARA USTED. LLEVE EST A DEMANDA A UN ABOGADO INMEDlAT AMENTE. SI NO T1ENE ABOGADO 0 SI NO TIENE EL DlNERO SUFICIENTE DE P AGAR TAL SERVICI0, VA YA EN PERSONA 0 LLAME POR TELEFONOALA OFICINA CUY A DlRECCI0N SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUARDONDE SE PUEDE CONSEGUlR ASISTENCIA LEGAL. Cumberland County Lawyer Referral Service Telephone: 717-249-3166 Cumberland COlmty Bar Association 32 South Bedford Street Carlisle, PA 17013 , SHAPIRO & KREISMAN, LLC BY: KEVIN DISKIN, ESQ., JOSEPH REJENT, ESQ., ILANA ZION, ESQ., MEGAN DR SMITH, ESQ. ATTORNEY !.D. NOS. 86727, 59621, 87137 & 84047 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 05-25356 Sun Lending Corporation P. O. Box 4724 Greenwich, CT 06831 PLAINTIFF NO: C> S" - ,~3-!JCJ COURT OF COMMON PLEAS CUMBERLAND COUNTY c."tu ~L 'tfJ2..~ VS. Joel B. Frownfelter and Patricia A. Frownfelter 63 Fairview Street Carlisle, PA 17013 DEFENDANT(S) COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, Sun Lending Corporation, the address of which is, P. O. Box 4724, Greenwich, CT 06831, brings this action of mortgage foreclosure upon the following cause of action: 1. (a) Parties to Mortgage: Mortgagee: Bank One, NA Mortgagor(s): Joel B. Frownfelter and Patricia A. Frownfelter (b) Date of Mortgage: July 26,2000 (c) Place and Date of Record of Mortgage: Recorder of Deeds Cumberland County Mortgage Book 1629 Page 660 Date: August 1,2000 The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. No. 1019(g). A true and correct copy ofthc Mortgage is attachcd hereto and marked as Exhibit "A" and incorporated hcrcin by refercnce. (d) Assignments: Assignor: Bank One, NA. Assignee: GMAC Mortgage Corporation Date Assigned: August 9, 2004 Date Recorded: March 7, 2005 Book: 715 Page: 3240 Assignor: GMAC Mortgage Corporation Assignee: Sun Lending Corporation Date Assigned: As Recorded Date Recorded: As Recorded 2. Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the legal successor in interest to the original Mortgagee, or is the present holder of the mortgage by virtue of the above-described Assignment(s). 3. The real property which is subject to the Mortgage is generally known as 63 Fairview Street, Carlisle, Pa 17013 and is more specifically described as attached as part of Exhibit ~~All: 4. Each Mortgagor named in paragraph 1 executed a note as evidence of the debt secured by the Mortgage (the "Note"). A true and correct copy of the Note is attached and marked as Exhibit "B." 5. The name and mailing address of each Defendant is: Joel B. Frownfelter, 63 Fairview Street, Carlisle, PA 17013; Patricia A. Frownfelter, 63 Fairview Street, Carlisle, P A 17013 6. The interest of each individual Defendant is as Mortgagor, Real Owner, or both. 7. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, are due as of February 14, 2005 and have not been paid, and upon failure to make such payments when due, the whole of the principal, together with charges specifically itemized below are imrnediately due and payable. 8. The following amounts are due as of November 25, 2005: Principal of Mortgage debt due and unpaid Interest currently due and owing at 10.88% per annum calculated from January 14,2005 at $21.41 each day Late Charge of $39.28 per month assessed on the 16th of each month from February 25,2005 to November 25,2005, (10 Months) Title Search/Report Fees Attorneys' Fees and Costs TOTAL $71 ,834.42 $6,765.56 $392.80 $250.00 $] 500.00 $80,742.78 9. Interest accrues at a per diem rate of21.41 each day after November 25, 2005. that the debt remains unpaid, and Plaintiff may incur additional attomeys' fees, as well as other expenses, costs and charges collectible under the Note and Mortgage. 10. The attorneys' fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriff's sale. If the Mortgage is reinstated prior to the sale, reasonable attorneys' fees will be charged based on work actually performed. II. Notice pursuant to the Homeowners' Emergency Mortgage Assistance Act of 1983,35 P.S. S 1680.402c, et ~., was sent to each individual Mortgagor at their mailing address and/or the mortgaged property address by first-class mail and certified mail. Pursuant to the act of December 21,1998 (P.L. 1248, No. 160) (Act 160), this Notice contains the information required by the act of March 14, 1978 (P.L. II, No.6), 41 P.S. Section 403 et seq., and separate Notice of Intention to Foreclose is not required. Copies of the Notice are attached hereto as Exhibit "C". WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in favor of Plaintiff and against Defendants, jointly and severally, in the amount set forth in paragraphs 8 and 9, together with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Note and Mortgage and for the foreclosure and sale of the mortgaged premises. SHAPIRO & KREISMAN, LLC Date: / 2- / Z- - t) ') , BY: ~lQl Jos pif Rejent, Esquire Attorney for Plaintiff S & K File No. 05-25356 . s- .. . Jo'tJJ r.';t::r.'.~I(.,;UA .",;' ,..,tar_::;;1I1UDI ';VNI18W1S eOllM'/Y.PA -----"......... ....---~~ ..--~ 'NI.................__ to ..........,....,.,,......................,, ~._.._.I\IlY.>>....____IiIII.. ................ ................... .......... ......... ~.......... ~A---' ....., 0""" alIILtIIiI.'Ia.:L1lIU ~..,'KDJ c .. .... .. .. .. ...... ...... ......... .... lit ....... ........ ..., ...... fill . ........ UIICIi!Al _...... .,6. ;:;::,,~ ~ ta. ~ CiC eM QUd. __ 01 :trnna ~Q1.uzn......., ~ __ ~m ,..~---~........"...................._ .....MI......... ..*::-""....;;;;;; ....... .............-.---. =:':&...~J:..~U~.... ,.......IrIl__.s-t~. : "l1II,......,"'........--.._...._.;;:;;.;;;;..._..........,..................................._.......,...".......... ~.BlIIPlJItLA........._......_._........ ...._~..........."........_............ _..UN,........_ ...... _ , CZ!.a.... .,..... ............................................ ~"".III_" ~__ =':=~t,=:......:.I,....ui=='J,..--.......-... t .....-...motf.......,.......fIIIIIlIIII....-..w................_......... ..............__.......__.,. ,......~~__~___...._MII ....~ -.................~ - .............. ........ ...... _......... ...-...1III~~....,..........,.r..__.....""......... ...... .. . . .. ..._~ftIIIIIIAM'a-.,................II........... A.............. _ ~.......,..... ~ It..................... ...., .. ..........-.. ____ . .. .....,.,..... t .. -==rw!l!"'..llII=I'Ir:'l.:_~-... I"Jl-;- ;;riiiiiiii"3llE'''ii.iiiiii"~~iiiii6atll'DJ... _m'....".,. . ~ _.____...... 1Id62iI... .. ......-*--_.._-,,--,,--- ...- .] ., -' .~ I I I I i , , j L{Clrl" \ P r t tl 71 1\ (" r r I:," . -'t.., "AI"" "_I' .......,.............J.........~............IJ -.--. . ........",................II...4f"'*'................. __..... .....__11........................"""'............ .......... ...............................--............ ....,..... ....,_._~..._._........._....NA... ....... - ............."...................... 11.._......... ............. .......-.............._.....tf........--.. .........- --........................................."-'.... ~_....; ................... 1!.M1....... ......._.-.-........ _... ................" _'...... ",... .....1I.~iI!i............._....--........__..........I.MlIII. D.At......... _........... -....... ............. .................~ 1M ~ Ill.....,...................,......" "'--....__......... Nt__ -.-......_........ If....,....... ....._tl........IIII'....... . . . . I. .......................... ..,.............. ...............--........ _.....~DIIII_'IlIII~WllWhI. . " WUIMWOf'llft.lo...............MIftItIIJ........................._.......ia,.... ,.........--........-........ .....,....,.................,.~---.. ..""""II--....................tt...... 7. .... ~ ~""""''''''''''.......''' ........ __"..,...., __ 'loll .......lIIIftltlllll."......~.___.....ftIIiIIIp,.........._, A. .,......,.,........................,_.-., .. ...,....,.......'-t.. ..................... r-"IIIIIIIf. Co ........., ......"........r. _.......,.......-.-...... _...,....__ .,..................................... , .. aAIICIMWNn' 'IIf\&o........,..,..... -............. _..-.:......... ......, ............................... """.................."......-.etl-' ........ ........,........ ...........................................~... ~....,........etIM........,_.....--............................ . ....." ,-*, ............... 01""""""" 11M....""''' """ .... __ III .......~...~. . .. 1IW000fAlolOlr~~~-. ~..,."...........,.......II......MI... .............................-.................----........".. ....... tMJ""".-............................lIac.f.&. 8U..~ ]'110-'" ............,_.......~......IIIIII..~_........IWI.......... ...........-. I.. 1'ItOtIItn'........ ftI.,..~AND......-nIIf...... ....._..................... ....1It..................~....,.. ..................... ....-............r ..........,. ............... ,.,...,...................... ~_ - "_III.. ...,..,----..................... ......,.,....-........... ....,..117...... 11_--' ............_..... LMlMf'........_. ~...lfto ~ "11M ...... .-........ w............,. wtt.. ... ..... .......,. ..___........_0l0I..~"_-...._ "'"1m...~~ . .1 , .. ....1. ~ .......WlilIlln.....:::e1 ~........._.;.,. . ...,....,.................. ........'-'--.... ............... ........................... ___NIl......." ,..............._'-WI.................il.""...n .............. r II. A~fO;3.................._...;,..-- .................. .-......... ...........-........................................ e.. It.. MwlRlft?:f€............,. -~ "'*".... ............... .......... 1IIIl..................... '-............tf&lllJlr'l ....,......... .......'-'......-...::=.-".................... ............. '-*" ...............- ~....., - II AI...,. .... ....... -*......... ' lJ. ~ ........:oAIlD 1IIIfB,..................-....... .-..........IIIl....... ::-=::.'t.~=:=:.~II.:=::-~.:-=.~--::-.=:......:: ____........~.......-.IIII............,.. -. __...... ...... ......" ........................ """"'. _ __ ............._ _ u............ ..00eM...... .,................... ....,11_ III ................. "'....... I.n.r-. ....................... II...... .,... ..... 1M..... .11III..... ............... ............... .......,................... ........... WllI ,............ .............. ....... ............... ..................,.........., .....................fI~., .,.~...... ..&..MIr.._........................................___.- ................_~...........,.................-......,...........-... ...... ...... ........,.. &..Iw. 01.........".... ...................'-"" ........... ill ~......1Ill will..... tilt.................... _........ :--,,--==:==:,===.....~:~-:.==-=: ., __........... .....tf.......,........ 1),1---"', C~ IDLb.1M11i ~ UIft'.......,......................eMI... "..,...,... ....II,........,............I~ ......,...,.........."'.-............ ....................... ........... ........... .....--...... ....... ~ .............,,.......~ Ii&, DDALt.t'............. II......,., .,.......... .....,.. '*...... ... .....1_... ..........11I............. ....................... ............................... ........,...... --................. .....A ....,..WIIf., .......LaiIIt...._1t __....... "'...... ................... ....fiIII..........,..........." _......"a.....................,...... . u. ..... CIIIf _~.III........ ......._.................. ..............1I1l11... ........ _.,........... .............,.............. ..... .......... Jl _.L.-.................... ......,..,_"-""~..._ ........,... "........ ~....... , .......tK"""W....., ,....11..... .._....._ ........................., 1M.. ...........11'........,.... ......--11I......................... ....... 1M ......-....................... .....er............. Ill.................. ....*-' ........-..........__........_..,..,~It......,....vr.I at..... _,..,............... _.... """......., '-W..~ .._,..................... .......--............ ........,..................... .................. III...,.,................... _ rI.,-w....." ........"...,..., III _11IIIII.........., .............. ."""...................---.........."~ --............. --_..._~".....:.:__._~.. E!l2 ..~..?e I I I I j ! -'"1\ '1) , , r- .... ..... " 'I"~I/IIN~' ClWDfaafnl.'ft'OIlICI'Itl...CGLUllJIlIl'IOCIftI,............. .............. ~....-....... r............., ...................... ............. ~..---..,...........................,........ ............... ....-...............................iI'............. .11II..... ..............,.._..........DoIL.........,..__ .....--. ...........................~........................--- ................. ................... -....................,..-........ ................ ~ .............. rw.......... _fl........ (",PIY D rIll'ItALU.,...MUMlIUI_..,........II........Cb~'--. __..~.............~.........,.~qV.I-C... .... - . .. .' ... ....... -. ....... ....... .... .... .... .... -- . ~_ '. ..........,............ fill ......~....___ ..... _ ...................... -. ......--................. ...., ........ ...... ........,...._ ........... Mai. .............. 'nII_ ....... .................. ......... ....... ....... ...1Ie ---.' ._ ..... . .".."....___.............-.lMr. .,......-.---.._~ "'...... .,.......,...... ..~.......... WIIIW..~""''' ___-. ...... .................... 'nIII......._IIl.,.... ................. "'_1MI ........,...........".......llIr......._...___"'....~. I....... .~................III......IaIIIr,...........~_........._.1IlIIIl ._ ..~..Wl.....~......................I.aw, c.~.-...............,,,._.~--.,..,..,......................... ............ ......~.... ..........c-..........,........_. ............. ........,.,.... ............................... Do......................... ~........._. .............. "'........."..,..... ............... .......,...,............ ....................,1lIJ --- ~.. ........"............u.. I" mtClIWtot................. ....l.tMtflllllPl....................." ,....,..., ..... .............. .....................-.---..............-........ ............. ......1Il........_II-rfl............. ............ ................ ~..................,...IItr.......... ........................_..... ,..wI.. 1'hIpIIW, ....-.... .........-,-lIIllwll'-....... ~................ """ .......",.....11....,..._.,.......... ...................,....--. lL ................................., In, _, .__ .................. :=..-::..~~::'==:-..:.-=--...:==::'~ ........ ."'-.................,... ............~~ ~....'" ""*" ......."'.......,... ......_IfI..,.........It.._~_IIIllIfIr-. AIl....,.lIas........ _......... ~..._................................. ......... ........................ ~.... L..-"',............... "'.......... ~.._.,....... .........--.II'~..........................""'....... 1IlI..................... -.I............................ '-'11................__ ...~.I.alIao.......,....r.,.~II_............,.......... ...1&l!ll.. 6li3 ,~ .----...-...-..---- ~~ /" \... .'1' ~......... ..:#' !"I__~""""'."--"'.",*fI"""'..'" -....,_........ .....1'-'"........".-.........___. .................... ......."'---....,.......__....iJIllIlI.. ........,.If..~....tr........ ................ ~......................... ....IM ~ .....,..........,......... .................. Drill.........,..... ....... : :::=~::=.:::-_~:..: .... -.............................................................. ...... ___ tt........ .. I..w.., ......................... .,............,.. ...................,........ ........................... ZL IOAII''' ......IIQ.L~ eo--. ~_...... NUe.M.......... ......~.................l'....................'-......._.........II... ................~ ..................... ......._~fI........ 0..... ................. ....,.....,................. ..............................,..- --............ .........-......._.........,......................... ...................."........ .............,..........,........- ............ ......,..,.........._ ~.............,........IIIIIIII___.,......1IIIIIlIIl7 . .............lII..._W......_..,...... rl................_.... ",wiI._~"'.......rI"'""""-,,, n............orllll......, ~.........,......_.................. ~. -,... >>.~~~~...:=~..:::-~'":.:": I' ~1I.......,..II...._li......,IIllr.......,......,..........,._""~tt ".....".....-,., ......._....,~-.III'....-.............. DIll....... ""'..............._........ .._~ ........,~ 1M......., __ ~ fI., -."iMI............. _........... If 11I-. ..........r,.. .......... __.............,., ..........11... __ '-..................... 1IIIWo" ..................... .,....... 11M....... If....... riM............. _... -'-.............................._11.........,........ 'ftMlttl..__ -.....---. IILIIIDncL .................... .,.............. "..... "..lit .....~ ........... ............................' "...-.,............,............................... -.................--.:.....-. U. wAftllU,......lM_........_.............-.l..fIlt.........._....._~. ....1&'5..... .----..---.--.......... ~-1e 1'" - .- .. __TllllL~"""'."""""'''''''''''''''''''''~ o ~~c:..a._""'''I\IdIIIII''''''''''''rI''''''''' ........s.....DIIM_.. ........_~""....,.,__'lllIl_1II......_. o CIoIIInIIIIIIIM...,.tMI..............__........IliIIftIIf;....l!IIIIINIIIIIrI.'-" ...........' . o n-....-..,...............-.,.................-_............ ... _. .......... "--.... .......... ftIo __'-............_ ...... ~......... ....................".-11 lit....." AIIiIII' tlM...... o ..........!nIl ~....... __ ___"........ ........11..........- ......~ 1IIIiI....,.................... .....--..& ..~...., .........."..............--....._.......,..~..~ D MmeI to ....... 'mil ~ CGNrAIN ....... lOll It. V.d:IAIl.& -....... e :=-.:-"=:=. L --' "~'=~....-=-....................... o~... O......v.~.... ClO".-O.M...."'~........_....._,.....,........- ....,............,..,.....,.......... ...1adIS'.~....._-_.......... ::.c;::.r::;:'r."......--- -~._~........-- ~~~.::::. ~-.a.l"___...".""A;. .....- ~.."_..."."........."...M..'........"".,,., ..- ....~II ._---~_...._~-_.....- -. .....,...._, "' DIlItITA MIll *,..,.,... ....&u.CIlrenaa "" n- .Cr..d.... ........... u...U ..... hi'~--r: ~l '"1"\ .1. /11.-:' .?~.~:~{~".," . . D.:h ,~ ..';:..~""..., ~. ~.l<lf'.."."~ -'- . :~.:~~.'... . .'.: d . '"". ...1629... .. I \. ,. I , , , ! i I I I I , I f , I , I i I I I I I I I e----,-- I JOEL B FRCWNFELTER PATRICIA A FRCWNFELTER 63 FAIRVIlli ST CARLISLE, PA 17013 00 ') O'7Qt7 IBANKONE,NA P.O. BOX 710097 i CDLUMBUS, OH 43271-0097 count # 1870070787 loan Number Date Julv 26 , 200Q Maturity Oat<o A . 14 2020 Loan Amount $.7..2,358.00 Renewal 01 I LENDER'S NAME AND ADDRESS "You. fnl>,H'S the L",nd~r. its successors and assigns TERMS FOLLOWING A 0 APPLY ONLY IF CHECKED BORROWER'S NAME AND ADDRESS "." irlr.;lude~ each Borrower above. jointly and severally. Secondary Mortgage Loan This agreement is subject to the provisions of the Secondary Mortgage loan Act. For value received, I promise to pay to you at your address listed above the PRINCIPAL sum of SEY.1;NTI SIX 'IHClUSAND 1HREE Hf.lliIP13?D FIFTY ElGiIT and 001100* * * * * * * * * * * * * * * DollalS $ 76 , 358.00 :KX Single Advarn::e: I will receivll 0111 of this principal sum on July 31 ?OOO No additional advances are contemplated under this Ilote. C Multiple Ad"'lIn~e: The principal sum shown above is the maximum amount of principal I can borrow under this note. On I Will receive the amount of $ and future principal advances ille contemplated You and I lIgree that I may borrow up to the maximum only one time (and subject to all other conditiOns). Conditions: The conditions for future advances are INTEREST: I agree to pay interest on the outstanding principal balance from Julv 31, 2000 at tile rata of 10.880 % per year UI,til MATlJRITY o Variable Rate: Notice to borrower: This document contains provisions for a variable interest rate. This rate may then change as stated below Change Dates: Each date on which the interest rate may chango is called a Change Date. The interest rate may change and on every thtlH,after. The Index: Beginning with the first Ch,mge Date. tile interest rate will be based on the following Index: The most recent Index value available as of the date 0 45 days 0 is called the "Current Irlde".'" Calculation ot Change: Belore each Change Date, the lender will c~lc1.Jlate the interest rata, which Will be the Current Index. The result of this calculation will be rounded before each Chango D.lte The newintereSI rate will become effective on each Challge Date_ Subject \0 ~ny limita\Jolls below. this will be the new interest rate until the next Change Dale. Limitations: The interest rale will never be greater than __ % or less than ~_ % o The interest rail" will never change on any singlll Change Date by more tllan % Effect of Variable Rate: A change in the intelest rate will have the effect af changing the amount af the scheduled paymems: ACCRUAL METHOD: Interest will be calculated on a r.lr.tIlFll/~fi~ basis POST MATURITY RATE: I agree 10 pay interest on the unpaid balance of this note owing after maturity, and until paid in full, as Slated below: XX on the sam!;! fixed or variable rate basis In effect before maturity (as indicated above). OatarateequallO XX LATE CHARGE: I a9ree to pay a late charge on the portion of any peymentmade more than ~days after itis due equal to 5.000% of the late oavment o ADDITIONAL CHARGES: In addition to interest, I agree to pay the follOWing charges which 0 are 0 are not included in the principal amount above: PAYMENTS: I agree to pay Ihis note 8S fallows: 240 pa)'l'neIlts of $785,50 each on the 14th of each rronth beginning on September 14, 2000 SECURITY: This note is secured by fdescribe separate document by type Ie_g., mortgage) and datej; MJRro'\GE TO SEClJRE DEBT DATED JULY 26. 2000 SECURING TIlE PRINCIPAL 1'MJONT OF $76.358. DO ADDITIONAL TERMS: PURPOS E: The purpose of this loan is consumer: REFINANCE SIG s: t AGREE TO THE TERMS OF THIS NOTE (INCLUDING OSE ON PAGE 2), I have received a copy.on today's date. Signature for Lender tJVL REAL ESTATE NOTE ~, 954.1991. 199} B'''~''$ Sy",,, , ".", """,. ,." h", ew,., ,. ""'@c-+1rb; -I iPOIJP'oI2} II 8 I \ l . ADDITIONAL TERMS OF THf: Non . GENERAllY' Tl'1e i'leading"at Ille bel/;nn, oj each .BC1'0", are for conve~ience Bv chOo.ing anyone or more of Il'lesa '(lrJ\!ldie$ you do not give up your right only tnd ere nOl to be LJSed In Interpreting tho text of the seclPOn. to use anDI"er remedy laler. By deciding no1 10 ~~e any remedy snould I -be in DEFlrvlTlONS . ''I.'' "me" (II "m,~" meer.su,ch B,mower who ~'!Ins {his note and ~~~~~'t you do 1101 ~Ive LIP '{our right to oQ.n.io;kf the Il,,&"t. del~l.Ilt ill1 hllppens each otherpetson orlS[lal entlly (lncludlngguaronlors, endorse rS,a"d'v,elle.) who ~gr8e. ~o pay lh,s nOle ltogetherraferred to u ""5"1. "You" Dr .yow" mullS COSTS OF COLLfCTION AND ATTORNEYS' FEES - I agru 10 pay YOU all l"e Lender srld ,Is S(Jcc~ssorli and a~"'gn. reason~blc COBU yo~ ,n"Uf to collolC:~ iNs d"t" Q< <ulin- on any sel:urily. Tn'ls mcludes, unless, Prohlbut'd by law. reason,ble attolneys' 11'.115, Th,s prov,S'On also shall applyil I flla,e pelltion or aflY other claim. lor rel,el l.'nd8f ,!nybankrl.'pt.cyrl.'le Of law of lhll United SIBles, or <I Such pelH,on or other cle,m lor rell",1 's filed allamst me by another. APPliCABLE LAW This rlOle and any .greem..nt securing this nOle w,11 be gove'ned by tho laws 01 the SHIt! 01 Pe,"\sylvan'a_ Tha 1aOllhat a"ypart 01 thiS note cannot be "nloree(l will nOI affal:llhe rOSI of th,s nOlll_ Any change 10 this nOle Of any '\lreemBnt securing this nOle m\l~t ~ irl ",'i\;o\1 ~d signed by you and m,. PAYMENTS - Each payment I make on this note will hrst redllce the amount I owe ~~~~na~: I~~~~rn~ho;~~~ ~~~~ ~:~l\~eei~~~e~~;eblc~~r~~ae ~IIf~~ ~~~~ts~ll~~naC:v Payment when the only delinquency IS due to lite (ees assess~d on Il!lrfl~r payments 6nd Ihe pByment is otherwise a fult payment. The aClval amovnt of mv tinal pevm6nl will depllnd 0" t~,,- iMeles~ <at"" (,1 v"'iob\e\ amJ rNj payment r~conl. If any payment due under this loa.. does nOI equll or e>(cead the amount o' in1eresl due, you may, at yovr o~tion. Incre"$O the am,:,unl Ol_lh~ payment duo alld ~II lutur,,- paymenls to an amovnl that WIll p.y all lh,s loan ,n eqllal PBymeflTS over the remaimng term 01 Ih's loan. "REPAYMENT. I may pr6P"y this loan ,n whole or 'n pari ~I any tima. II I prepay in part. I mvat $hlt ma.ke. Illth late, payment in Ihe o,iginel amoll"t as it becomes due untrllhls nole IS pa,d In lUll INTEREST. Interest aCcrues ol1lho principal r"-mainong IInoaid I.om timo to 1i"'e, untli paid in tvll. II 'Variabfe R_atll" i~ ch~ckeoj on page 1, I w,11 pay intereSl BI Ihe ;~~~~ ~711 e~:ev~~, 1~~~e~mt~et~i~~eeSI ~~t~ '~;e;~~~ r:t:li~\w~~d b~t7:~ ~~:<;t~~ ~~n\h~ the,rnde~ spec,hed on page 1 ceases to e~lst,~ ag'~" Ihat you may subst'tllln a s,nular 'nde~ lor the o"g",al INDEX. l! yoV ana I Ilav~ agreed thallhe inte,ost rate on lh,,, nOte will be varilblo Ind will be rel.lea to '''' I"dll~. then the index yOll "elect willlunct,Dn or>IV 0" 8 tool fors"ni"gthe ral"on.th,snote., YOII ao not go.uranty, byselectil1g any inae", that the ,rl!ere~t ,ata on lhl~ nole will have a pan'cular relallonsh,p 10 lhe ,ntore"! rate you charge on anvother loans or a"y type 0' cla"s of loans with yo"r "lher cu.1Omers ACCRUAL METHOD - Thll ~mOLJn[ Of intere$l lhat I will pay oil this loarl will be c~h::ulaled IIs.'ng lhe 'Inlerest rale ana "caVil rnelhod Slated on page l,.Fol 'n[~resl CalCulation, the accrual mell10d WIll determ,ne Ihe numbllr of day. ,n a yesr, II "" acelual methOd '$ stated. then vou mey use any reasollable ICCrual rtlllthod10rcao1culatingime'llst SINGLE ADVANCE LOANS. If this 15. a single advance loan you aM I e",,8ctlhat you Will only nHlke one adv~nce 01 p"nc.pal. Howeve.r, you may .dd othe, amovnts to Ihe pflr'\Clp.t ,fyou make anypaymenlS deser,bed Ln th" PAYMENTS BY LENDER ~ec\il)(lllel,,"" MULTIPLE ADVANCE LOANS .If lh,s is a m"ltiple advance IClan, you .na I e><pect that you willmakll morelha" on"adv~nce 01 principal. subject 10 Ihe condilionso! a!'\yser>aTat&lIgn'''ffient PAYMENTS BY LENDER _ It vO\J ~re mlllhori,ed to p~y, 0'1 my behalf, charges I am obli<;lated 10 pay Isucn U property irlSuran~e premiur<1sl. then YOU may traattl'lose ~~i~~~~~ ;ay~~ ~a~~~"a::~~ell:ia~~dp:;~e~ht"~ i~e ~~a~;~seid pnnc,pal LInde, POST-MATURITY INTEREST Interest will eccrll~ on tne principal balance remaining un~aid afle' ji"", malm't~ M lM ,at!< s~e"ilied 0f"J page 1. For purpose. Ollh,s sectIOn. hnel ml1urltyoccurs: lei On Ihe data ot lhe IIlstschedul6d peyment 01 p"ncipal; 0' IblOn the dale you accelerate thB due dlta 01 thiS loan (demand immediale paymen1J REAL ESTATE OR RESIDEl\lcr SECURITY. If t~is I""", ls s&\:"'lId by 'eal eStile or I ",siaenC8 tl'la1 is pefsonalpropftrty, the existence ot a default and your reml!dies for such a detault win be daterminad by appficable faw, by the \e,ms ot anv slIparate in.trll",en! Cleating II\e secu"ly "'tarest and. to Ihe exlent not prohibited by law and nOI contra'y to the t~rms of the SIlj)8'!to se<;.u,,\~ \nStf'.lM6!'\\, \:>y th,s I!gr~l!ment. ASSUMPTION. This nOl" ~nd any docu"'ent securing <t cannot be assumed by SomeOna buying 1Il~ se~u'ea property from me, This will be true I;nless ~<V.I a'tl<"e ,n w"I"\.~ 10 the contrary. W,tholll such an 'g'eam~"l. d I try. to t',,"sfe' any ,ntsreSl ,n the propartY$llcunngth,s note, I w,11 be. In default onth,s lOan. Yovmav proceed agamsl me under any du" on sale clalls" Intne securnyag,eemenl, wh'ch 's incorporlted by refarance [)(FAULT Subjecl to any limitatlons in thll "R~AL ESTATE OR- RESIDENCE SECURITY. Pa'a<;lreph above. I will be In delaulton th,s 10al1 and any agreemenl secuflnglhisloanlfonyoneo,moreOlthalollowlngoccUfS: 1.11 fail to make a peyment in 11111 when due; (bl'dill,amdeclaredincompetent.crbecome,"SOlvo'mt; (ellllilto keep any promise I havo made in conMction with this loan; Idll fail 10 pay, or keep lInyolhef pr<>misa on, any other lOin 0' aq,eementl ha~'1 w.,thyou; Ie) I mah 'ny written Slatement or prouide any finoncisl ",formation lhllt is untrue orinaccv'eteatlhe timeil is provided; (II Any creditor o. mine attempts to collect ~ny debt I owe through COurt pro~eedin91. set-oft or self.hefp 'epossession; (91 T~e p'opany SeClliing 'hls Lo~n is damsllea_ destroyad or slolen {hllfolrloprovideanyadditiOMfsecu"tythatyoumayrequire: Iii ~t\'# ley'" eNIw l$\lth as " pa'tnllll":"p or corpo,at,on) tllat has a~reed 10 pay Ihis note mar!}e.s, d'ssolves. 'eorgan,zlIs. ends ,ts bUSiness or e~I"lenCa, or a pa'lner or meloflty stoCkholder d,es aI,s dacla'edUlcompetent; or (II An~tt>.in'>l else llappeflS t1'\a\ 'La~lIs ,/01.1 \0 beliwe lnat you will h~ve d,lhcully coll..cting Ihe amOunt I owa you. If any 01 us are in defavlt on this note Or any secur;ty agreamem, VOU may n~(cisa voufremsdies aglinUany (" allot W8. REMEDI~S SvbjecI to any /'mllslions in. the "REAL ESTATE OR RESIDENCE SECURITY" paragrapl' ~bov", and alter g,vlng any approp"lt.. "otlce. ,f 11m In de!aUrl onlh,s loan or any ..greement s.~v"n9 tll" loan, yaL.! trwy lal M.ke un.PI,d p,i"cip.l, ea'ned interesf o"d all ot~a, agreed cllsr!:les I owe YO\J ""d", thiS loan Immed'~lelydue; Ibl \Juthl'! r'ghl 01 aet-ott IS explained below: lcl Dllm.nd more ~ecvntV or new pan:ies obligaled to pav lhi" loan lot bothl in return !o,not IIs,ng any oll,e"emedy; Idl Make a claim !or any ..nd .Il insurance lleMfits 0' relunds thaI may be av~ilab'e on my d"l.ult; (,.1 Un M\-,< IM'lll<lV 'It:.\> ~a"lIl.lndl'>1 51ale or lader.llew; ano If) Use anv remedy given to YOII on any agrearnen: securing this 108n B,nk.'1 Sy.,~m>, '''0., 5" Cloud. fo.'.N ,orm REN_?/l. 81~ 9./9a MDF. flaHI\~'jPA SET.DFF.. I ag..e_ thaI you mey ae.l off any amount due aM p.yabla undar this noteagamst anynght I have to rata,ve money from you. ~Flight to 'ecelve moneylrom yov. means' la) AnV deposil ~ccOUnt b.lonce I have with you; (b) Any money owed to me on "" item presented 10 yOll or in your possession for collection Dr e~Change; ""oj (cl Any repurchase agra~ment Dr olhernondeposit obhgaMn. "Any amount due ~nd payable under this not.." mednS the 10tal a"",,"nt 01 which you are IIntitl"d 10 demand payment under lhe lerm~ of this nOle at 1he time vou S6t oft. Tl'li~ total inCludes any balal1ce lhe due date lor which yOu plO..e'l~ 'atnle'ij'\e\.Jntler th,s note. 'I ,ny .ighllo receive money jrom you IS also owned tly 50meon," who has nut agr,eed_lo pay th,s note, YOUl 1JOht 01 set.olf w,11 appry tQ mv Intetesl '" Ihe obilQatlOn ana 10 IIny other amOllnts I cOllld WIlhdraw on rl1y Sole IIIQueST or endorsement. Your "gl'lt 01 set.ofl doe, not_apply to an account or other obligOllO n where my "ghts arise only In a representetIVe capaC'ty, II also dOes not apply to any IndlYldllal Ratlremeru Aceou"l or other la..-dele..ed rel"ement accovnt. You Will not be liable 10' the dishonor o~ Iny ~heck when Ihe dishono. OCCurs because vov Set off H,is debt against ar\y 01 m~ accollnts. I_agree to hold you "a'mless from any svch da'ms o(ls'nq as a 'lIsult 01 yOll' axerc'se 01 your r,ght 01 se\."n. OTHER SECU~ITY . Any plesent or futu'o_ agre",ment stlcurir\9 Iny other debt I o~e you 1150 wdl_securo the payrf1ent 01 lh.. loan_ P'op\l;1;y seCurlOg "notne, debt wlli not seC'''" t.hi.. i<;,a,\. \1 s\>ch plopeny 's ~'Y p"nClpal rJwenlOg and you fall to p'ovlde_any 'eqvlred notice 01 "ghl 01 'esctse,on.Also, propartysecuflng .nother debt w,ltnot Secure lh,s loan 10 the extant such p,operty1,5 ,n household goods. OBllGA1l0NS INDEPENOENT - , llfldlllMand the, my obligatior\ to pay IhjS lo.n ,is ,naependenIO!theobl'gBTlon of anyolhet person whohU olso,greedlOlloy't. You may. without notice, releau mil or any of ua, give lip any "9nt you ",e_y h~ve against "ny of us. extend new cred'l to ~ny of us, Of reneW 0' '~ange th,s nOle one N more,t,mes ana for any \""'1\. ..nil I will:s\lI,1 b~ I>p11llal.lId 10 pay \I'-,s loan YOu may, wltho~t notlca, la,lto per!ect VOUf sec.."'ty Ime.eSl 'n, Impa", or re-laese a,1y securily and f will still be ohhgated to psy this loan WAIVER. I waive Ita tM e"'le<o.1 p"<mitt~(j b'l \aw\ 1:I"ma..0, preuntm..nl, D'Olest, nOlice oldishonol and notice 01 (lfOteSl PRIVACY - I agrae thai from time 10 time YOU may receive crllait in'ormaf,on about me Irom othara, Including olher lendelS 1M c<'!<Ilt lepmting lIgenties, \ a9'ee tho, YOU may furnish on a rll<;lular,baslS credit and e"pe,llInee Inform.llonfegard,ng my Joan to othllrs seeking s"ch Inlormatlon.lo the. e"tent ~e'mmed by law, I .grlll! that YOl.' will not be l,.;lble for any cis 1m a"s,ng 1rom the us~ of ",Iormatlon provided to you by othe,,, orforprov'dingsuchinlor~~;o"ta'J,tt\~<s. FINANCIAL STATEMENTS. I will give you .ny finoncial stalemllnls o. information Ihat yoU feel is necessary_ All financial statemenU and information I \Jiva you will be Corract and complete PURCHASE MONEV LOAN - II this is a Purchase Money Loan, YOII mey include the nlme of lhe s~ll~r on th. cha~k or dr~1l 10' this loan. NOTICE TO COSIGNER Vouftheco.lgn.rl....ebairlg..kedtogut(lntythl'debl.Thlnkc'reluHy before you do. If the borrowerdo&Sf\.t Iley the debl. y"u wl_h,yelo, !leIU,e VOU can eftord to pey it yOtJ have to, and thlt yo.. wlnt to ecupt 1hls l"lH'I'slbIIIW, You may heve 10 pay up lO lhl full amount <Jf the dabl 11 the I>orlO_ does n01 pey. You II'" may hlv, 10 plly latl flU or (Ohction coell, whkh iJ<<:ru" thl, emount The ct&dho' CM coDect lhle debt Iromyol1w1d>out'nttrvi..g to cohCt from thl borrower_ The creditor CIll un the ..me collection method. ag.;.,.l youth.tcll1heuudqllnltth.borrowllf,.uchasslJlngYOl.l,<;llmlshlngyou, wig... e1<:. II lhl. det>t Is eve' in default.l".t lac1 mlY b8'COm. pert of 'fOUt t1ll1\\IIGotd. Thl,nOlicelsnolthlcontreC1thll1mlkeayouliebletorthedeob1. Anach "TC -?resarvn,on 01 Consume, Claims ana De":lnse." NotiCe il Apphc~ble ~.. _-:/:2.. PfJ (:'''' ,/'_._".... ' . I . . Date: 0 <1 2005 Patricia A. Frownfelter 63 Fairview Street Carlisle, P A 17013 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on vour home is in default. and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (REMAP) may be able to help save your home. This notice explains how the prOl!ram works. To see if REMAP can help. you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with yOU when yoU meet with the Counseling Al!encv. The name. address and phone number of Consumer Credit Counseling Al!encies serving your County are listed at the end of this Notice. If you have any Questions. YOU may call the Pennsvlvania Housing Finance Al!encv toll free at 1-800-342-2397. (uersons with imuaired hearing can call (717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDlTAMENTE LLAMANDO ESTA AGENCIA (PENNSYL VANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORl'GAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SAL V AR SU CASA DE LA PERDIDA DEL DERECHO A REDlMIR SU HIPOTECA. cc ~V\ \ k; i t- II C \\ . . HOMEOWNER'S NAME(S): PROPERTY ADDRESS: LOAN ACCT. NO.: ORIGINAL LENDER: CURRENT LENDER/SERVICER: LAW FIRM FILENO.: Joel B. Frownfelter and Patricia A. Frownfelter 63 Fairview Street, Carlisle, PA 17013 1870070787 Bank One, NA Sun Lending Corporation 05-25356 HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISION OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAYBE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: . IF YOU DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, . IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND . IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYL VANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE- Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. ~ MEETING MUST OCCUR WITHIN THE NEXT (30) DA YS.IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE. YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT". EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES- If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names. addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediatelv of your intentions. . . APPLICATION FOR MORTGAGE ASSISTANCE- Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications have for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTlON- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. If ou bave filed bankru tc , ou can still a I for Emer euc Mort a e Assistance. HOW TO CURE YOUR MORTGAGE DEFAULT (Brioe: it UP to date). NATURE OF THE DEFAULT-The MORTGAGE debt held by the above lender on your property located at: 63 Fairview Street, Carlisle, PA 17013 IS SERIOUSLY IN DEF AUL T because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: February 14,2005 to October 14,2005 @ $785.50 Other charges (explain/itemize): Late Charges: February 24, 2005 to October 24, 2005 @ $39.28 = $7,069.50 = $353.52 . . TOTAL AMOUNT PAST DUE: = $7.423.02 B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not applicable): HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $7.423.02, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash. cashier's check. certified check or money order made payable and sent to: Sun Lending Corp P.O. Box 4724 Greenwich, Connecticut 06831 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Do not use if not applicable.) IF YOU DO NOT CURE THE DEFAULT- If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its riehts to accelerate the morteae:e debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upOn your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON-The mortgaged property will be sold by the Sheriff to payoff the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the creditor begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. Howeyer, if legal proceedings are started against you, you will haye to pay all reasonable attorney's fees actually incurred by the lender eyen if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If YOU cure the default within the THIRTY (30) DAY period. YOU will not be required to pay attorney's fees. OTHER LENDER REMEDIES-The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. . . RIGHT TO CURE THE DEF AUL T PRIOR TO SHERIFF'S SALE-If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, YOU still have the right to cure the default and prevent the sale at any time UP to one hour before the Sheriff's Sale. You may do so by paying the total amount then jlast due, plus any late or other charges then due. reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performinl!: any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE-It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. If money is due, such payment must be in cash, cashier's check, certified check or money order made payable to the lender at the address set forth above. HOW TO CONTACT THE LENDER: Name of Lender: C/O The Law Firm of Shapiro and Kreisman Address: 2520 Renaissance Blvd.. Suite 150. Kin!! of Prussia. PA 19406 Phone number: (610) 278-6800 (610) 278-9980 Fax number: Contact person: Ilana Zion. Esquire EFFECT OF SHERIFF'S SALE- You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE-You.lL mayor _ may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. . . YOU ALSO HAVE THE RIGHT: . TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. . TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. . TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) . TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS, . TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. . TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. . . CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY APPENDIX C PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER COUNSELING AGENCIES CUMBERLAND COUNTY Adams County Housing Authority 139-143 Carlisle Street Gettysburg, P A 17325 (717) 334-1518 CCCS of Western PA 2000 Linglestown Road Harrisburg, P A 17102 888-511-2227 Community Action Commission of Cap it at Region 1514 Derry Street Harrisburg, PA 17104 (717) 232-9757 Loveship, Inc. 2320 North 5" Street Harrisburg, P A 1711 0 (717) 232-2207 Maranatha 43 Philadelphia Avenue Waynesboro, PA 17268 (717) 762-3285 PHFA 211 North Front Street Harrisburg, PA 17110 800-342-2397 . Date:~0Vem~q ,2aJ5 Joel B. Frownfelter ' 63 Fairview Street Carlisle, PA 17013 . ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the morte:ae:e on your home is in default. and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pae:es. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help save vour home. This notice explains how the proe:ram works. To see if HEMAP can help. yOU must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE, Take this Notice with you when yOU meet with the Counseline: Ae:encv, The name. address and phone number of Consumer Credit Counseline: Ae:encies servine: your County are listed at the end of this Notice. If yoU have any Questions. you may call the Pennsylvania Housine: Finance Ae:encv toll free at 1-800-342-2397. (persons with impaired hearine: can call (717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SAL V AR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. . . HOMEOWNER'S NAME(S): PROPERTY ADDRESS: LOAN ACCT. NO.: ORIGINAL LENDER: CURRENT LENDER/SERVICER: LAW FIRM FILE NO.: Joel B. Frownfelter and Patricia A. Frownfelter 63 Fairview Street, Carlisle, P A 17013 1870070787 Bank One, NA Sun Lending Corporation 05-25356 HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISION OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: . IF YOU DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, . IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND . IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE- Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-la-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT (30) DA YS.lF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE. YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES- If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names. addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the properly is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediatelv of your intentions. . . APPLICATION FOR MORTGAGE ASSISTANCE- Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications have for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF TIDS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. If ou have filed bankru tc , ou cau still a I for Emer en Mort a e Assistance. HOW TO CURE YOUR MORTGAGE DEF AUL T (Brine: it UP to date). NATURE OF THE DEFAULT-The MORTGAGE debt held by the above lender on your property located at: 63 Fairview Street, Carlisle, PA 17013 IS SERIOUSLY IN DEF AUL T because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: February 14,2005 to October 14, 2005 @ $785.50 Other charges (explain/itemize): Late Charges: February 24, 2005 to October 24, 2005 @ $39.28 = $7.069.50 = $353.52 . . TOTAL AMOUNT PAST DUE: - $7.423.02 B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not applicable): HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $7.423.02, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERiOD. Payments must be made either bv cash. cashier's check. certified check or money order made payable and sent to: Sun Lending Corp P.O. Box 4724 Greenwich, Connecticut 06831 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Do not use ifnot applicable.) IF YOU DO NOT CURE THE DEFAULT- If you do not cure the default within THIRTY (30) DAYS of the date ofthis Notice, the lender intends to exercise its rie:hts to accelerate the morte:ae:e debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON-The mortgaged property will be sold by the Sheriff to payoff the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the creditor begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If YOU cure tbe default within the THIRTY (30) DAY period, YOU will not be required to pay attorney's fees. OTHER LENDER REMEDIES-The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. . . RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE-If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale. You may do so by paying the total amount then past due. plus any late or other charges then due. reasonable attornev's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's Sale as specified in writing: by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in tbis notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE-It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. If money is due, such payment must be in cash, cashier's check, certified check or money order made payable to the lender at the address set forth above. HOW TO CONTACT THE LENDER: Name of Lender: CfO The Law Firm of Shapiro and Kreisman Address: 2520 Renaissance Blvd.. Suite 150. Kine: of Prussia. P A 19406 Phone number: (610) 278-6800 Fax number: (610) 278-9980 Contact person: Uana Zion. Esquire EFFECT OF SHERIFF'S SALE- You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE-You.lL mayor _ may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. . . . YOU ALSO HAVE THE RIGHT: . TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. . TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. . TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEF AUL T MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) . TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LA WSUlT INSTITUTED UNDER THE MORTGAGE DOCUMENTS, . TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MA Y HAVE TO SUCH ACTION BY THE LENDER. . TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. . . . . CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY APPENDIX C PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER COUNSELING AGENCIES CUMBERLAND COUNTY Adams County Housing Authority 139-143 Carlisle Street Gettysburg, P A 17325 (717) 334-1518 CCCS of Western PA 2000 Linglestown Road Harrisburg, PA 17102 888-511-2227 Community Action Commissiou of Capital Region 1514 Derry Street Harrisburg, PA 17104 (717) 232-9757 Loveship, Inc. 2320 North 5th Street Harrisburg, P A 17110 (717) 232-2207 Maranatha 43 Philadelphia Avenue Waynesboro, PA 17268 (717) 762-3285 PHFA 211 North Front Street Harrisburg, PA 17110 800-342-2397 '" ru . " cdl ru CJl . - -D ltfB.. ." ~z .(2{) 0 ~31 U'J 3 Postage $ Wgl -D '" -D '" , , Certified Fee 2-30 ~o .... ID_ ru ." ~I '" Return ReceiPt Fee . >-'I (Endorsement ReqUired) " , c -I Q Restncted Delivery Fee " Q (Endorsement Required) -< ~~ " ;0-< 0 ID 0 Q 0 2![ Q " ;::-z 13 . c ~ " ~~ '" 1i ....!!; , C1'" Q, ~: C1'" .!;,> Q "------""-._--... n f".- . Return ~e~:~~i~e~} m (Endorsemen H dDelivery,Fee CJ Restricte t ReqUired) 0 D (Endorsemen q &F." $ 2. CI To'" Po.l'g. , /.,.d by m.'r"_ U~" CI ",,"' C/.",y) l'f:Jb' C~"'WIl1tlJC.l_~_. .::r- Na~I~e:.tclQ.. {J"urlV____ _ . en {llILL, POB;iew S~mmmn ~:~~kmnRm()/3 (') o 3 'C " .. C' '< -< '< 'C ~ ~ 5' -'" Q '" 1', 'tl o a 'tl . = Postage o U'1 -D ...n iru , , , Certified Fee 2. 1 en r . . "0 ~ :;:. " " '< ~ !l en or !; 3 . 3- o " ::0 .. < . ~ In . 1.1~~;1 H - i n ~ 1 "t1''''IH;ture ., '" I 1 1 I 1i*j_~o--_~ I ~~ C6"lSH~~ '~P- ,~,. (I) u;CQ~ m "0 J;;: ~?> <Y?1'6 ~ :s:: 0 c. uNlrCb ).~,?r.J .9~..s>~ r'r;:_. :1'" \'1'1 m ,).> t, .t' ""b t}) ~ ~ i~\jJ- B ~ ~ 1~1f'~Q"" ; :~~~ <:J ~ _ ~ ~ 82.0 ~tJl. ~ g~ ~~II (f) h)""""" ~ ~-';:l ~~ :::;~ 'J0 C) (JI 1 i+4.,'U.i I . I !}l'tjVer::t '. ",.,If ';'f! Y~Z>(;s'>-~J" 1 1 1 1 II ~ ~~I ~$~ ~lli~I~I~i I I~~I ~/-1 i ,~~~ ~ ~ {r~lf,l1;1 ~ f i I ~'t-I .. 1.- "IITI N~" $100;0;0;0 1 5::), ~~. ~<e. g I' !i3ffi-3. S; JJ'" ~ ~ 1 ~~, ~ Ii' 1 R I ='"S <' &, h ~ I I ~ ~ ~--I ~ v iii' o ID i i -' --00'-; -::::'):> ItnJ 0"" ~~:!; 1 I:ll 2 12. cr -. ~ x " ,<D~ ~ ~ 2iS S!! ~'Q,~ ~~@":;~ I, , ~~: ~gi:~ --(I):::J 0-'11 'II :J: -.Q...g; - g: @ I~~I- '" ~~. I~, 1 N I~ ~ 1 II NI \JNIr(b ~ ~~~.~~ _:~~,'&~ ~ t;/ {:.~~: ~ t:")(JJ ::1-0 "'T1 Ol 11 ~\lj:1 f) ~;;: ~~I~ f).b."Y ~ in t~j-h:l;i!~ " 7,'~',1;.. r. t'),? (-i'~i o.';~O'i&~~ ~ ";')0 ~rjl~j~ '" ;:tg ~'!!Ii ,~', ':.) 0 OJ U1 ,I 5r I N U1 oJ ~ z " 3 ro " o '" " '" '" : 00 8- CJl ro o '" ~ " ~ 3 " 0' , ,g;, I~&I HI ~;I 'm c 1:0[1 , 0 ~~I Ig~, i~:1 . " 1;",1 . "I I~oo, IDI . I I~;o 1* 01 ~;o 1* All . VERIFICATION Joseph Rejent, Esquire hereby states that he is the Attorney for the Plaintiff in this action, that he is authorized to make this Verification as the Plaintiff is outside the jurisdiction of the Court and Plaintiff's verification could not be obtained within the time necessary to file this pleading, and that the statements made in the foregoing Complaint in Mortgage Foreclosure are true and correct to the best of his knowledge, information and belief. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa.C.S. Sec. 4904 relating to unsworn falsification to authorities. SHAPIRO & KREISMAN - BY: oseph ReJent, Esquire Attorney for Plaintiff I ) - ,. '1--~(} \ Dated: I'- i9.. ;::J P lf1 t- ~ ~ - CI1 ~ ~ ~ '::t ~ ~ ~ b t-: .-c... -:, c' , ....'~ -^~- (,"',! , . SHAPIRO & KREISMAN, LLC BY: JOSEPH REJENT, ESQUIRE ATTORNEY J.D. NO: 59621 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 05-25356 Sun Lending Corporation PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY VS. NO: 05-6350 Joel B. Frownfelter and Patricia A. Frownfelter DEFENDANT(S) PRAECIPE TO SETTLE. DISCONTINUE AND END TO THE PROTHONOTARY: Kindly mark the above-captioned matter SETTLED, DISCONTINUED i\'\!D ENDED. without prejudice. SHAPIRO & KREISMAN, LLC BY: g~~f Jos ph ejent, squire, Esquire Attorney for Plaintiff DATED: _ r j),-I)-O\ o C ~)~~: ?~\.i'; 7?~ .:..< ~;, -;;:1:; :1> t::" 7: =:2 ...., cO' C'" <J' c:::> r1 C"'> ..0 .,.". ::I: 9 ~ ~" ll'E -n(!"), :t).._( :.~)C\ ~~~5 ~~ /~ l~n o -.-\ ~~ s:- o' . CERTIFICATE OF SERVICE I, Joseph Rejent, Esquire, hereby certify that on r 1-<'-11.-0) I served a true and correct copy of the within Praecipe to Settle, ~iscontinue and End upon the following parties via first class mail, postage prepaid: loel B. Frownfelter 63 Fairview Street Carlisle, P A 17013 and Patricia A. Frownfelter 63 Fairview Street Carlisle, P A 17013 SHAPIRO & KREISMAN, LLC BY: ~Qf 10 ep Rejent, Esquire Attorney for Plaintiff ~ ~> --0'-;-' 111 r~ -~:<i~, V: 0_". ---"-. ~--. ~~-'~ ";:..1.".-:. '$"S,~. ~~_\ ..4 ,...., % d' ~ - U> q. '~:EJ -fO~ :~f:~ ::,,:~L .> .;,~ft'1 \~~ -". ,;';:] --"<: ~ :1<;': S' r;- 0'"\ SHERIFF'S RETURN - REGULAR CASE NO: 2005-06350 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND SUN LENDING CORPORATION VS FROWNFELTER JOEL B ET AL BRIAN 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 FROWNFELTER JOEL B the DEFENDANT at 0914:00 HOURS, on the 15th day of December_, 2005 at 63 FAIRVIEW STREET CARLISLE, PA 17013 by handing to PATRICIA FROWNFELTER, WIFE OF JOEL FROWNFELTER a true and attested copy of COMPLAINT - MORT FORE together with NOTICE and at the same time directing Her attention to the content:s thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 4.80 .00 10.00 .00 32.80 So Answe;:,).j~ r~~~~ R. Thomas Kline Sworn and Subscribed to before 12/19/2005 ;1 SHAPI:~: & KR;5;; 14 4~Jk Deputy Sheriff me this ~_ day of Cf-!!~ proth r / A.D. SHERIFF'S RETURN - REGULAR CASE NO: 2005-06350 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND SUN LENDING CORPORATION VS FROWNFELTER JOEL B ET AL BRIAN 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 FROWNFELTER PATRICIA A the DEFENDANT , at 0914:00 HOURS, on the 15th day of December, 2005 at 63 FAIRVIEW STREET CARLISLE, PA 17013 by handing to PATRICIA FROWNFELTER a true and attested copy of COMPLAINT - MORT FORE together with NOTICE and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 6.00 .00 .00 10.00 .00 16.00 So Answers: r~~ R. Thomas Kline 12/19/2005 SHAPIRO AND Sworn and Subscribed to before By: KREISMAN J4~fII, me th=-s II':::: day of Deputy Sheriff (~"Z~ifiI:; A.D. I P nota