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HomeMy WebLinkAbout01-11-06 THE LAW OFFICES OF BARBARA A. FEIN, P.C. Barbara A. Fein, Esquire / ID No. 53002 425 Commerce Drive, Suite 100 Fort Washington, PA 19034 (215) 653-7450 File No. 05-12918 In re: REGISTER OF WILLS CUMBERLAND COUNTY, PENNSYLVANIA Jacob T. Hodge, Sr., a/k/a "Jake Hodge", 1- -.J "' -, ., NO. O~. 30 Decedent. (.) PETITION FOR CITATION o v.::; This Petition, filed by The Law Offices of Barbara A. Fein, P.c., Barbara A. Fein, Esquire, on behalf of The Bank of New York, as Trustee for the Holders of the EQCC Asset Backed Certificates, Series 2001-1 F, the foreclosing mortgagee named in a Civil Action -- Mortgage Foreclosure filed in Cumberland County Court of Common Pleas under Docket No. 05-5711 Civil Term, entitled The Bank of New York, as Trustee for the Holders of the EOCC Asset Backed Certificates, Series 2001-1F v. Jacob T. Hodge and Dolores G. Hodge, instituted on November 3, 2005, respectfully submits that: o '~I 1. Title to real property situated at 849 West Louther Street, Carlisle, North Middleton Township, Cumberland County, vested with Jacob T. Hodge and Delores G. Hodge, Husband and Wife, by Deed dated and recorded on August 31, 1979, by the Cumberland County Recorder of Deeds in Deed Book Volume 28-A, Page 220. 2. By instrument dated May 26, 2000, and recorded on May 31, 2000, the Hodges mortgaged the real estate above described, and the Mortgage Instrument was recorded by the Cumberland County Recorder of Deeds at Record Book 1615, Page 198. A copy of the Mortgage is appended hereto and incorporated herein by reference as Exhibit "P-1 ". 3. To the best of this Petitioner's knowledge, information and belief, Delores G. Hodge died an intestate resident of Cumberland County on October 1,2002, as evidenced by Death Certification No. 106140. A true and correct certified copy of said Death Certificate can be produced at the time of the Citation hearing. 4. By operation of law, Decedent Delores G. Hodge's interests in the real estate above described passed to her surviving Tenant-by-the-Entirety, Jacob T. Hodge, Sr. Similarly, her financial obligations under the mortgage above described also passed to her surviving obligor, Jacob T. Hodge, Sr. 5. To the best of this Petitioner's knowledge, information and belief, Jacob T. Hodge, Sr., died an intestate resident of Cumberland County on October 25, 2005, as evidenced by Death Certification No. 104331. A true and correct certified copy of said Death Certificate can be produced at the time of the Citation hearing. 6. According to the Obituary which appeared in the Carlisle "Sentinel" on November 10, 2005 (a copy of which is appended hereto and incorporated herein by reference as Exhibit "P-2"), the Decedent, Jacob T. Hodge, Sr. "aJk/a Jake Hodge", was survived by four (4) adult children. 7. According to the Obituary, Jacob T. Hodge, Jr. "alk/a Spike Hodge" is the Decedent's son, and the Informant listed at Paragraph 20a on his Death Certificate. To the best of this Petitioner's knowledge, information and belief, and upon confirmation of George F. Douglas, III, Esquire, with Saidis, Shuff, Flower & Lindsay (attorney for Spike Hodge), Spike Hodge resides at 43 West Baltimore Street, Carlisle, P A 17013. 8. According to the Obituary, Sheritta A. Richardson was the Decedent's daughter and residing in Carlisle, P A. To the best of this Petitioner's knowledge, information and belief, and upon confirmation of George F. Douglas, III, Esquire, with Saidis, Shuff, Flower & Lindsay (attorney for Spike Hodge), Sheritta A. Richardson resides at 121 Partridge Circle, L6D, Carlisle, PA 17013-8748. 9. According to the Obituary, Pamela V. Hodge was the Decedent's daughter and residing in Carlisle, P A. To the best of this Petitioner's knowledge, information and belief, and upon confirmation of George F. Douglas, III, Esquire, with Saidis, Shuff, Flower & Lindsay (attorney for Spike Hodge), Pamela V. Hodge resides at 420 Franklin Street, Carlisle, PA 17013-1858. 10. According to the Obituary, Valorie L. Brooks was the Decedent's daughter and residing in Dover, DE. To the best of this Petitioner's knowledge, information and belief, and upon confirmation of George F. Douglas, III, Esquire, with Saidis, Shuff, Flower & Lindsay (attorney for Spike Hodge), Valorie L. Brooks resides at 106 Red Oak Drive, Dover, DE 19904-2300. 11. As plead in the verified Mortgage Foreclosure pleading above described, this Petitioner submits that effective November 15,2005, the sum necessary to satisfy the mortgage obligation in full was $96,957.38. 12. To the best of Petitioner's knowledge, information and belief, none ofthe Decedent's heirs at law have sought Letters of Administration to probate the Decedent's estate. 13. This Petitioner will be unable to prosecute its pending Mortgage Foreclosure action due to the heir's failure and/or refusal to seek Letters of Administration to have a personal representative appointed. 14. Despite the undersigned counsel for the Petitioner's efforts to contact the Decedent's heirs by letter sent to all four of them on December 23, 2005, the heirs have been wholly unresponSIve. WHEREFORE, this Petitioner respectfully requests that a Citation be awarded, directed to Barbara A. Fein, Esquire, to show cause why this Petitioner or its Nominee should not be granted Letters of Administration for suit purposes only. Respectfully Submitted, THE LAW OFFICES OF BARBARA A. FEIN, P.C. BY: Barbara A. Fein, Esqui Attorney for the Petitio er Attorney ID No. 53002 Dated: January 10,2006 , , . . . . ~ '1~ \1\8\ ~.:-' 01 \t'El cel\I'" ..~ co9'/ . " ')'~ An~~ev 1 " &,,0 "" (f\e"\' ~ ,IU8 \ OOCIJ ;)liQ\{l1l Whcn Rccorded Mail To: 1111111111111111111111 138037 878520988 878520ll1884OflAfa,. Decision One MOllgagc Company, LLC 6060 J,A, Jones Dri\'c, SuilC 1000 Charlunc, NOrlh Carolina 28287 (Space Above Tltls Line For Recordinll Dalal MORTGAGE Loan Number 2030-00045417-046 THIS MORTGAGE ("Security InSllumenl") is given on MAY 26, 2000, The morlgogor is JACOB T, HODGE and J)OI.OHES G,II0nGE ("Borrower"), This Security Instrument Is given to Decision One Morlg_lIe Company, LLC, which Is orllanized and exisling under Ihe laws of ~ORTH CAROLINA, and whose address is 6060 J.A. JONES DRIVE, SUITE 11I00, CIIAltl.OTTE, NOR'rn CAROLINA 18287 ("Lender"). Borrower owes l.endcr the principal sum of St:Vt:NT\'"EIGlfT THOUSAND SEVEN HUNDRED FIFTY ANI> OOllOOlhs Dollars (U,S,S78,7S0,OO), This debl Is c\'idcnL'Cd b)' Borrower's nOle dated lhe same dale as Ihls Securily Inslrumenl ("NOIC"), which provides for monlhly payments, lI'ilh Ihe full debl, If nol paid earlier, due and payable on JUNE I, 2030, This Security Inslrumenl secures 10 l.ender: (a) lhe r"/>>1)'lIItlnl of lite debl ltYldenced b)' tlte NOIe. Wllh interest. and all re_I., ullll1.ionl and modllicallonl or Ihe NOI.: (b) tho I'II)'IIICIII of all olher IUms. with lnlcrcln, advancud under paragfll'h 7 10 pl'Otecllh" leL'Urlty or Ihls SecurLl)' Inllrumt:nl: and Ie) Ihe JlL'l'lnrnwnc" uf Borrower's covenanls and Igreemenls under Ihll Sccurlly Inllrumenl and Ihe NOle, For lhls purpose, Burmwer dlleS hereby monsage, granl -and coovey to Lender the following described propeny IOClled in CUMBERI.AND ClIullly, Pcnnsylvlmla: SI-:I~ A11'ACJJED SCHEDULE "A" Tux J'ure'" Idenlilicolinn Number: 29-20-1794-003 which has Ihe lIddress or 849 w, I.Om'lIIm STREET IS""'I PCl1l1syl\'ullia 17013 ("Properly Address"); /1.1/1\;......, , CARLISLE le:",1 1'!-:t\I\S\'I.\'ANIA,Singlc l'alllll)'.FIIllnle lillie/Freddie Mat UNIJo'ORM INSTRUMENT (jo\llllll~1l 11193) Form 3039 9190 ",ngt / nf 6 pngtS) : EXHIBIT i?,..J- .. . . TOGI!THlHt WITH all Ihe: illll'mwme:nls 1I0W or hereafler erected olllhc prClpCrl)'. and all ease:mel1lS, appurle:nllncc:s. and {i.~llm..s /IUW or herea/ier a pari Oflhe: properly. All replacements lInd additions shall also be covercd by this SeL'Urity Inslrumenl. ,\11 of Ih" lore:gllillg is relerred 10 in Ihis Security Inslrumenl as lhe "Propeny" 1301U\O\VHR COVENAN1'S Ihal Borrower is lawfully seised or the eslale: herehy cO/lve:)'ed and has Ihe rillhtlo mortgage, granl :nllJ convey Ihe ProperlY and lhatllu: ProperlY is unencumbered. excc:pl for ellcumhrullees of record. BOrrOWL'T warrallls and will d"fend generally the lille III Ihe ProperlY IIgainsl all claims and demands. subjc:ello any eneumhranees of record. TillS SECURITY INS1'RUMENT combilll:s uniform covenants t'or nalional use alld lIoll.uniform eOl'enUllts Wilh limited \'lIri:uillIlS hy jurisdiclion 10 conslitule a unirornl security Inslrument covering real propeny. UNll'OltM COVENANTS. Borrowcr and Lender CClvenant and agree as (allows: I. l'OrmL1\t ur Prineipllland InlcrCSf; l'rcfllI)'1fIcnland LllIe Chargcs. Borrower shall prolllplly pay when due Ihe principal of RIlII iml.'rl.'st onlhc debl evidl.'nec:d b)' Ihe Note and any prcpaymCnl and lale charges due under Ihe NUle, 2, Funds fllr TlIxes lInd Insurance. Subjecllo applicable lalll or to a wriucn waiver by Lender, Borrower shall pay 10 Lender on Ihe duy monlhly paymenls are due uuder Ihe NOle, unlillhe NOlc is paid in full, a sum ("Funds") for: (al )'earl)' taKes and lISSCSSIlICIIIS which n1ll)' allain priorit). OYl:r Ihis Securhy InSlrumenl as a lien on the PrOperl)'; (b) yearly leasehold paymenls or lll'ullnll rl.'nlS on Ihe ProperlY. if any; (e) yearly hazard or property insurance premiums; (d) yearly noud insurance premiums, If any: Ie) yearly mortgage insurance premiums, if any; and (I) any sums payable by Borrower 10 Lender. in aceordance Wilh Ihe prol'lsiClns of paragraph 8. in lieu or tbe JIlIymenl of mortgage insurance premiUlltS, 11lese items are called "Escrow hems," Ll.'uder 11111)', UI any lime, collecl and hold Funds in an amounl nOlto exceed Ihe maximum amount a lender lor a redcrally related 1lI1\T11111Se loan may require for Borrower's eserow accounl under lhe {ederal Real Estale Selllemenr Procedures Act of 197-1 as :mlendr:d rrom lime 10 lime, 12 U.S.C, t 2601 ~I S1!q. ("RESPA 0), unless another law Ihal applies to Ihe Funds sels a lesser amounl. If so. Lender may, al any time, collect and hold Funds in an amounl nOI 10 cxcced lhe lesser amounl. Lender may eSlinUlle the amCllll1I ot' Funds due an tbe basis of CUffe", dala and reasonable estimales of expendilures of fUlure Escrow hems or (Ilhl.'rll'ise in accordance wilh applicable Jaw. The Funds shall be held in an inslhulion whose deposils arc insured by a federal agency. inslrumenlalilY, or enlhy (including lellde:r, If lender Is such an inslhulion) or in any Federal Home Loan Bank. Lend~r shall apply Ihe Funds 10 pay lh~ Esernw helll~. L.",d~r may nOI charge Borrower for holding and applying Ihe Funds, annually analyzing Ih~ escrow account. or \'l.'rifyinS Ihe Escrow Items. unless lender POlYS Borrower inl~rest on Ihe Funds and applicable law f1Crmhs Lender 10 make such ~ eh:'r~l.'. IluwcI'er, Le:llder ma)' I....quire Borrower 10 pay a one'lime charge for an independenl real estale lax r~poning service used II}' l.emll.'r in cClllneclion wilh Ihis loan. unless applicable law provides olherwis~, Unless an agreemenl is made or :'Jl(llk:lllle 1:,\\' rel\uir~'S inl...reSl 10 be paill, Lender shall nOI be required to pay Borrower any illleresl or earnings on Ihe Funds. !lumllwr and Ll.'llder may agree in \I'riling, however, Ihat Interest shall be paid on the Funds, Lender shall give 10 Borrower. wilhom e1mrse. 1II1 annual accoUllliiig 01' Ihe Funds, showing credils and debits 10 the Funds and Ihe purpose for which each debit lei Ihe l:ullIls was moot:, The Funds arc pledgcd as additional sec:urlty l'or all sums SCl:urcd by Ibis Security InSlrumenl. If Ih... Funds held by Lender exceL'lIlhe anmunts permiued 10 be: held by applicable law, I.c:nder shall 8CCDunlIO Borrower for lhe eAL'C$S Funds in aceordance with Ihe requiremenls of applicable law, Uthe amounl oflhe Fund5 held by Lender al any lime i~ 11111 suflicienllo pa)' Ihe Escrow hems when due. Lender may so notify Borrower in writing, and, in such case Borrower shall Pl')' III Lender Ihe amuulIl neccssa!)' 10 make up Ihe: deficlene}'. Borrower shall make up Ihe d~fieieney in no more than Iw~lve lllOlIIhl)' p:,}'nIl:1II5. at U:llder's sole discrelion. Urlln 1\3ynl1:nl in full or all SUIIIS secured by Ihls Security Inslrument, Lender shall promptly refund 10 Borro\\'er any Funds held h)' Lender. If, under paragraph 21, under shall acquire or selllhe Property, Lender. prior 10 Ihe acquisitiDn or salc: of Ihe Jlrop.m)'. sh:1I1 llpply any Funds held by under althe time or acquisition or sale as a credit againsllhe sums secured by Ihls S~'Curil}' Inslrument. J. AIII)liclllion of Payments. Unless applicable law provides olherwise, all payments received by Lender under paragraphs I and 2 sh~1I be applied: first. 10 any prepayment charses due under Ihe NOle; second, 10 amounls payable under paragraph 2; Ihird, III illlercsl due: founh, to principal due; and lasl, to any lale charges due under Ihe Note:. -I. Chargesj I.iens. Borrower shall pay all I8XCS. assessmenls, charges, fines and impositions anribulable 10 the Propeny which nmy :lIIain priority ovc:r Ihis Security Inslrumenl. and leasehold payments or ground renls, If any. Borrower shall pay Ihest' nbligaliolls in the manner provided in paragraph 2. or if nOI paid In Ihat manner. Borrower shall pay them on lime direclly IrI the person oIYed pa)'menl. Borrower sball promptly furnish 10 Lender all notices ot' amounls to be paid under tbis paragraph. If Bllrrower mllkc:s Ihese paymeDls directly. Borrower shall promptly furnish to Lender receipts evidencing the paymenls. Borrower shall promptly discharge: any lien which has priority over this Securlly Inslrument unless Borrower: (a) agrees in wriling 10 lhe paymenl of lhe obligalion secured by Ihe lien in a manner accepl8ble 10 Lender: (b) conleslS in load faith Ihe lien hy. or defends &l;ainSl cnforccmelll of lh~ lien in, leeal proceedings which in lhe under's opinion operalc to prevenl Ihe enrnrcemel1l of the lien: or (c) secures from Ihe holder or Ihe lien an agreement satisfactory 10 Lender subordinaling Ihe lien 10 lhis Security Instlllmenl. If Lender delermines Ihal any pan of Ihe ProperlY Is subjecl 10 a lien which may allain priorilY over Ihis S~l.'urily Instlllml.'nl, Lender may give Borrower a nOlice identlfyinlllhc lien. Burrower shall satisry the lien or lake one or more IIflbe actions sellonh "bove wilhin 10 days or the giving or nOlice. aMI) lJI50 (t 193) Form 3039 9/90 fpnBt:l of 6 pog/!S} . . 5. 1I11zlIrcl or "roperly Insurllncc. Borrower shall kecp Ihe improvernems now exisling or hereafter erccled nn Ihe ProperlY insun....1 ugainsl lnss by fire, halards included wllhin Ihe lerm "cxlended coverage" and any OIlier hazards, including Iloods or llnotlinlJ.. fur II'hich Lender requires insurance. This insurance shall be mailuained in Ihe amoullls and for Ihe periods Ihat Lender n:quirl's. 'nle insurance carrier providing Ihe insur8/lce shall be chosen by Horrowcr subjecllo Lender's approval which shall nOI be unreasllnllhl)' lvilhheld. If Borrower falls 10 mainlain coverage describL>d above, Lender rnay, al Lcnder's oplion, oblain cllvcrage III IlrllleCI Lender's righls in Ihe Propeny in accordance wilh paragraph 7. . All illsumncc policies and renewals shall be acceplable 10 Lender and shlllllnclude a Slandard mangase clause. Lender shall have Ihe right 10 hold Ihe policics and renL'Wals. If Lender requires, Borrower Shall prornptly Give 10 Lender all receipts of paid Ill'l!miums and renewal nmices. In Ihe evcnl of loss, Borrower shallllive prompl notice 10 Ihe insurance carrier and Lender. l.cnder m;I)' muke pronf of IllSS if nOln1lllle prol\lpll.y by Borrower. Unlc~s Lenucr and Borrllwer lllherwise agree in wrilinll, insurancc proceeds shall be appliL>d In restoralion or repair orlhe Prol."n)' UlIlIIlIllcd, It'the resloralion or repair is economically feasible and Lender's securily is nnl h:ssened. If Ihe reslllralion or rcpuir is lIClI economically feasible or Lender's securilY would be lessened, Ihe insurance proceeds shull be applied 10 Ihe SUIllS s""m-.:.J h" Ihis SL'CurilY Inslrument, whelher or nnt Ihen due. wilh any excess paid In Borrower. If Borrower abandons Ihe 1>IUII~nl', or docs nOI answer wilhin 30 days u nOllce from Lender Ihallhl: insurance currier has olTered 10 scllle a claim. Ihen l.cndel' mal' COllL'Cllhe insurance proceeds. Lender may use Ihe proceeds 10 repair or restore the ProperlY llr In pay SUIIIS secured II)' lhi, Seelu'il)' lllllrumclI1, whethel \Ir nOllhen due. nit 30.day period will begin wht:llthe nOliL'e Is given. Unless LL'Ilder and Borrower llllu:rwise agree in wriling. any applicalion of proceeds 10 principal shall nOI eXlend or puslpllne Ihe dne Illite at' Ihe monthly pllylllcIl15 rel'errcd 10 in paragraphs I and 2 or change lhe: amounl of Ihe paymenls. If under Iwru!!l'al1h 211he Prllpeny is lIcquiretl by LL'I\der, Borrower's rillllllo any insur8/lee policies und proCl:l:ds resulting t'mmdamase III Ihe I'rnperl)' prior 10 Ihe aequisitilll1 shall pass 10 Lender 10 Ihe ex lent of Ihe SUIIIS secured by Ihis Sccurhy Inmumelll imll\clliuldy Ilfi(\( 10 Ihe acqulsilion. 6, Oceullunc.\', Preser\'ulilln. Muinlenance und "rtlleclion of the l'roperlY; Borrower's LOlln AIlPlicllliolli LClIlsc:holcls. Burnlu....r shnll (IL'CUPY, eSlablish, und USt Ihe Propeny as Borrower's principal residence wilhin sixly clays aner Ihe execulion of Ihis Sccuril)' InSlrument and shall conlinue 10 occupy Ihe ProperlY as Borrower's principal residence for alleasl one year afler Ihc dmc Ill' Ucculluncy, unless Lender olherwise agrees in wriling, which consent shall not be unreasonably whhheld, or unless C:\lcnualillg circumstances exisl wllicl\ are beyond Borrower's conlrol. Borrower shall nOI destroy, damage or impair lhe PrnpCrl)', ullow lhe Propcny 10 deu:riorale. or commh waslc on Ihe Propcny. Bnrrower shall be in default if 8/lY forfeilure :Icliflll or proceeding, whelher civil or criminal. is bcgun Ihal in Lender's good faith judgment could resull in l'urli:i1ure of Ihe Pml,cny flr olherwise maleriall)' impair Ihe Iit:ll creiled by Ihis Security InslNmenl or Lender's sceurily inleresl. Borrower may Cllle such a d...fauh lInd reinslale. as provided in paragraph 18, by causinglhe action or proccedinglo be dismissed wilh a Nling Ihal, ill I.endcr's gaod failb delcrlllinalion, precludes forfeiture of Ihe Borrower's intc:resl in Ibe Propeny or olher material impairmclll of Ihe lien crc:aled by Ihis Security InslNmcIlI or l.cnder's securily Interest. Borrower shall also be in default if Bum\\wr, durinll Ihe loan applicalion process, gavc malerilllly false or inaccurate informalion or Slalemc:nlS 10 Lender (or failed III IlCovidc Lcnder witb any malcriallnformation) in conneclion with lhe loan evidena:d by the NOle, ineluding, bul not limited Ill, relll'l:SCnlalions conccrning Borrower's occupancy.of Ihe Propcny as a principal residence. If Ibis SecurilY Inslrumenl is on a \Lomehnhl, Borrower shall cornply wilh alllhe provisions of Ihe lease, II'Borrower acquires fl!l: lille 10 Ihe ProperlY, lhe leasehold und the I'.:c lide shall nOI merge unless Lender allrces 10 the merger in wriling. 7. l'rOll't'lion of Lender's Rillllts In Ihe Properly. If Borrower fails 10 perform the covenlUllS and agteenll:J\lS conlained in Ihis Security Inslrumc:nl. or Ihere is a leGal proceeding Ihat may signllicanlly afli:cl Lender's righlS In Ihe I'rope:ny (such as a prcx;ceding ill baIIkNplcy. probale. for condemnation or forfeiture or 10 enforce laws or regulalions), then Lender may do and puy I'm whalcver is necessary 10 prolccl Ihe value ot' the Propcny and Lender's righls in Ihe ProperlY. Lender's aClions may include p:lying any sums secured by a lien which has priority over Ihis Security InslNmenl, appearing in coun. paying n:asonablc anurneys' fees and enu:rins on Ihe ProperlY 10 make repairs. AllhouGh Lendcr may take aClion under this paragraph 7. l.ender does nol have to do 50. Any 3moums disbursed by Lender under Ihis paragraph 7 shall become addilional debl of Borrower secured by this SecuritY InSlrumCm. Unll:S$ Borrower and Lender agree 10 olher lerms of paymenl. Iheac amounls shall bear inleresl from Ihe dale of disbursement allhe NOle rate and shall be payable, wllh imeresl, upon nOlice: from Lender to Borrower requCSting payment, 8. Mnrtglllle Insurance, If lender required monpge insurance as a condllion of rnakinglhe loan secured by lhis Security h\Slrumenl, Borrower shall pay Ihe premiums rcquin:O 10 mainlain Ihe monGage Insurance in effect. If, for any reason, Ihc mongRgc insur8/lcc coverage required by Lender lapses or ceases 10 be: in efli:cl. Borrower shall pay Ihe pfL'lTIiums required to ohluin L'Oyerlge SUbsl8/l1lally equh'alenl 10 Ihe mongaGe insurance previously in effcct. al a cost SubsllUllially equivalenl 10 Ihe eDSI III Borrower of the monglgl: insurance previously in effccl, from an alu:rnale mortgalle insurer IIjlproved by Lender. If subslllllially equivalenl mongage insurance coveralle is not available, Borrower shall pay 10 Lender each monlh a sum equal to onc-Iwelflh of Ihe yearly mortgage insurance premium being paid by Borruwcr whl:n Ihe insurance cOYCTDJ:e lapsed or ceased to bc in ..ffeel. Lunder will accepl, Ule and rellin Ihele payroen.. II II lOll rele:rve In 1i1lU 01' mongage: hlllurancc. Lou1'CJerve 11l')'RlCnls may no longer be required. al the oplion of !..ender, If mangage Insurance coverage (in the amounl and for Ihe period IhuI Lender rL'CJuires) provided by an insurer approved by Lender again becomes available and is oblained. Borrower shall pay Ci/lm IlISO 11193) 110rRl 3039 91')\1 (paS' 3 flf 6/'IISt5} . . lh~ I'r~lI\illlll$ rcq\lir~dlO m~inlain OIol'lgage insurance in effect, or 10 provide ~ loss reserve, unlillhe requiremcn! for mortgage I/I~lll'ml.~ cnll~ in ~ccordanee wilh any wrinen lIgreclnel\l belwecn Borrower and Lmder or applicable law, 9, 11I~1"'clilln, l.endcr or hs agcn! lIlay make reasonable cnlrics upon and inspections of Ihe ProperlY. Lender shalllliyc llmru.....cr 1\(lIiee allhe lime of ur prim 10 an inspc:clion specifying reasonable cause for Ihe inspeellon, Ill, Cundelllnalion. The proceeds of any award or claim for damagC!s, dirccI or consequcllIial, in cllnncelion wilh any ~'ollllell\nallun or olher laking or any pan of Ihe Properly, or for convC!yancc in lieu of cundclIlnalion, arc bereby as~igned and shall II. paid to Lender, ' III Ihe e~'elll of a 10lallakinllllf the Property, Ihe proceeds shall be applied 10 Ihe sums secured by Ihis Seeurily Instrumenl, whellwr . III no\ IIlen due, wilh any execss paid 10 Borrower. In Ihe even! or a partial taking or the ProperlY in which lhe fair markel \'alu~ of the Propeny immediolftlly befcitt!'lhe laking is equal 10 or grealcr than Ihe amounl of Ihc sums secured by Ihis Seeurh)' Inmulllenl irrunedialely befl.re Ihe laking, unless Borrower and Lender olherwise agree in wriling, Ibe sums secured by Ihis SeeUril)' Inmument shall be redul.'ed by Ihe amounl of Ihe proceeds multiplied by Ihc following fraclion: (a) Ihe 10lal amount or lhe sums secured immedialely before Ihe laking, divided by (b) Ihe fair market value of Ihe ProJlllny immediately before Ihe \ul;it\~, AllY balance shall be paid 10 Borrower. In Ihe event of a pantallaking of Ihe Propeny in which Ihe fair INrket value of the Properly immedialely before the laking is less Ihan Ihe amounl of Ihe sums securl:d immedialely before Ihe lakin&, unless Borrowcr and Lender otherwise 8grL'C in wriling or unless applicable law otherwise provides, Ihe proceeds shall be applied 10 Ihe sums sccu~ocJ by Ihis Securily Inslrument whether or nollhe sums are then due. If Ihe Prupeny is abandoned by Borrower, ur if, at'ler nOlice by Lender 10 Borrower 1I1allhe condemnor ofrers 10 make: an award or seule a claim for damages, Borrower falls 10 respond 10 Lender within 30 days afll:r the dale Ihe nOlice is given, tcnder is Ilulhnrizcd 10 collcel and apply Ihe proceeds, al ils oplion, cilher 10 resloratiun or rellair of Ihe Property or Illlhe sums secureJ h)' Ihis Securily Inslrument, whelher or nOllhen due, Unless Lcnclt:r and Borrower olherwise agn:e in wrilinll, any applicalion of procccds 10 principal shall nOlexlend or poslpone Ihc duc dale of lhe monlhly payments referred 10 in paragraphs 1 and 2 or change Ihe amounl or such paymenls, I I. Burrower NOI Relwedi Furbearance By Lender Nol a Waiver. EXlension of the lime for paymem or modification of 31nortizalinn of Ihe sums secured by litis Security Inslrumenl granled by Lender 10 any successor in inten:st of Borrower shall nOI IIperulc 10 release lhe liabililY of Ihe original Borrower or Borrower's successors in inlerest. Lender shall not be required 10 eunllll~nce proceedings againsl any successor in interesl or refuse to Clllmd lime for payment or olherwise modify amortizalion III' Ihe sums secured by Ihis SecurilY InSlrument by reason of any demand made by the original Borrower or Borrower's SlleceJsors in imeresl, Any forbearance by Lendcr in exereising any right or remedy shall nOI be a waiver of or prcelude Ihe c:xercise of any righl or remedy, 12. Successors IInd Assigns Boundj Joint and Several Llabllll)'; Co-sipers. The covenanlS and agreemenls of Ihis Securit)' Inslrunu.'lIt shall bind am!- benef" Ihe successors and assigns of l.ender and Borrower, subjecllo Ihe provisions of paragraph 17, Borrower's covenants and agr=rnenIS shall be joint and several. Any Borrower who co-signs Ihis SecurilY Instrumenl bUI does nOI execule Ihe NOle: (a) is CD-signing Ihls Securily Inslrumenl only 10 mangage, granl and convey thai Borro\Yer's interest in Ihe Propeny under Ihe lerms of Ihis Securily Instrumenl: (b) is not personally obligated to pay the sums sl.'CUrcd by Ihis Security Inslrumenl; and (c) agrees Ihal Lender and Iny olher Borrower may agree 10 extend, modify, forbcar or make IIIIY ac:commodations with regard to Ihe tCmts of Ihis SecurilY Inslrumenl or Ihc NOle wilhoUI thai Borrower's conscnl. 13, Loall Charges. If Ihe loan secured by Ihls Securhy Inslrumenl is subjecllO a law whieh sels maxill\U11\ loan charges. and Ihal law is Iinally inlerprcled so Ihat Ihe inleresl or olher loan charges collecled or 10 be collecled in conneclion with Ihe loan r:llcec:d Ihe permllled limits, Ihen: (I) any such loan chargc shall be reduced by the amount necessary 10 rccl\lcc lhe: charge 10 lhe permlllc:d Iimll; and (b) any sums already collecled from Borrower wbich cxceedcd permined limits will be refunded 10 Borrowcr, Lender may choose 10 make Ihis refund by reducing Ihe principal owed under Ihe NOle or by making a dircet paymenl 10 Borrower. If a refund n:duc.:cs principal, Ihe rL'IIuclion will he lre81cd as a parlial prepaymenl Wilhoul any prepaymenl charge under the NUle, 101. Nulices. Any nOlice 10 Borrower provided for In this SceurilY Inslrument shan be lliVL'Il by deliverlnll it or by mailing it hy lirsl class mall unless applicable law requires use of anolher mClhod. Thc nOlice shall be direclL'lIlo Ihe Propeny Address or allY olher address Borrower designates by notice 10 Lender. Any notice 10 Lender shall be givcn by lirsl class INIIIO Lender's uddrc:ss SIDled herein or any olher address Lender designales by nOlice 10 Borrower. Any notice provided for in this S\:curity InSlrU1ll1!1lI shall be deemed 10 have hL'Cn given 10 Borrower or Lender when given as provided in lhis paragraph. IS, Gn\'cmlng I..aWl Sevcl"llbllily. TIlis SecurilY Inslrument shall be governed by federal law and the law of Ihe jurisdlclion in which Ihe Propeny is 10C311.'II, In the evellllhal any provision or clause of Ihis Securily Inslrumenl or Ihe NOle connicls wilh uppli~able law, such conlli!:1 shall nol afl'cel olher provisions of this Security Inslrument or lhe NOlt: which ean be given effeel withoUI Ihe eonllicling provision, To Ihis end Ihe provisions or Ihis Sceurity Inslrumenl and Ihe NOle are deelar\ld 10 be severahle, 16. IInrrllwer's Copy. Borrower shall be (liven one eonfonncd copy of Ihe NOIC and of Ihis Sec:urily InSlmmenl. 17. "runsfer of Ihe l'ropel'1Y or II BI.'I1enciallnlercsl in Borrower. II' all or any pan of Ihe Propeny or any inle~'S1 in it is sold Of Irlll\sl'ern:d (or if a benelicial inleresl in Bonower Is sold or lTll1lsflmCd and Borrower is not a lIalural person) wilhout Lender's prior wrlllen conSl:nl, Lender may, II its oplion, requin: inunediale payment in full or all sums sceured by Ihis Security InSlrUme'll\' However, Ihis oplion shall nOI be exercised by Lender if exercise is prohibited by fedcrallaw as of the dlle oJ' Ihis SeCUril)' Instrument, GMD 0150 11193) Form 3039 ')/IlO (JIOllt" of 6 pases) If Lcnder cxercises Ihis oplion. !cr shall ,lve Borrower nOliee of llceeleralionte no. ice shull provide a period or nOI Icss Ihull 30 da)'s from lhc dale the notice is delivered or mailed within which Borrower must pay all sums secured by this Securil)' Inmumclll. If Borrower fails to pay .hese sums prior to Ihe expiration oflhis pc:riod, Lender may invoke an)' n:medies ]lcrmillcd by Ihis Securily Instnnnenl without furlher nOlice or demand on Borrower. 18, lIorrowcr's Righi III Reln.hlle, If Borrower meers cenaln conditions, Borrower shall have the right to have enforcement Ill' Ihis Sccurlty Instrument discontinued al any lime prior 10 Ihe earlier of: (a) 5 days (or such olher period. as applicable law may slledf)' ror reinstatement) before sale of the Propeny pursuant to any power of sale conlained in Ihis Security Instrumenl; or (b) clllr)' (If a judgmenl enforcing this Seeurily Inslrument, Those conditions are lhal Borrower: (a) pays Lender all SUlns which lhen W<lulll bc due under this Securily Illslrumenl and the NOle as If no acceleration had occurred; (b) cures any default of any olher CO\'ellanlS or agreemenls; (e) pays all..c:xpenses, .incurred in enforcing this Security Instrument, includinr" but nol Iimill:d 10. rClIson:lble allomeys' fees; and (d) lakc.'S such action as Lender may reasonably require 10 assure rhallhe lien of Ihis Securily Inslrulllelll, Lender's riallts in Ihe Propcny and Borrower's oblillalion to pay the sums ac:curc.'Il by this Security Inslrunlcnt shull continue unchanged. Upon reinstatement by Borrower, Ihis Securlly Instrument and Ihe obligalions secured hereby shall remain full)' efl'ccli\'c as if no acceleralion had occurred. However, Ihis right 10 reinslale shall not apply in the case of acceleralion under JlaragTllph 17, 19. Sule of /l:ote; Chonge of 1.08n Servicer. The Note or a parlial inlerest in the NOle (Iogelher with this Security Instrumcnt) may be sold one or more limes without prior notice 10 Borrower. A sale may result in a change In the entity (known all the "1.oan Servicc:r") lhat collects monthly payments due under the NOle and this SL'Curity InSlrumcnt. There also may be one or more ehanses of the 1.0an Servieer unrelaled 10 a Slle of thc NOle. If lhere- is a change of rhc Loan Servlcer, Borrower will he !liven wriuen nOliee of Ihe change in aecordance Wilh paragraph 14 ahove and applicable law, The notice will Slale the name and address of Ihe new Loan Servicer and tltc address 10 which paymenls should be made, The nOlice will also cOlllaln any other infonllllion required by applicable law, 20, lIaZllrdous Substllnces, Borrower shall nOI cause or pcrmll Ihe presence:, use, disposal. slorage, or release of any Hazardous SubSlances on or in the Propeny, Dorrower shall not do, nor allow anyone else: 10 do, anylhing aCfecling lhe Properly Ihal is in violalion of any Environn)l:nlal Law. The preceding t~'o s~nlencllS shall nOI apply to Ibe prescl\Ce, use, or sloraae on lite Prope")' of small quantities of Hazardous Substances Ihal are generally recognl:wd 10 he appropriate to normal residential uses and to mainlenanL'e of the Property, Borrower shall promptly give: under wriuen nOlice of any invllSligallon, claim, demand, lawsuit or olher action by any :lu\'erumc",al or regulalory agency or private parly involvingthc Propen)' and any Hazardous Substance or Environmental Law of \\'hieh Harrowcr has aCllUlI knowledge, If Borrower learns, or is nOllfled by any govemnlenlal or regulllory aUlhority. Ib:1l un)' remo"lll or olher renlCdialion of Iny Jlazardous Substance affccting Ihe Propeny is necessary, Borrower shall promprly take all n~'Ccssar)' remedial aClions in ac~danct: wlllt Environmental Law. As used in Ihis paragraph 20, .Hazardous Subsrances. arc rhose subslances deOned as loxlc or hazardous substances by En\'ironn)l:llIl1l I.:lw and the following substances: glSoline. kerosene, othlll' nanvnable or loxie pClroleum products, toxic pt:Slicide:s and herbicides, volatile solvents. malerials containing asbestos or formaldehyde. and radioactive materia\$. As used in litis paragrallh 20, "Environmental Law" means federal laws and laws of Ihe jurisdiction whcre Ihe Propcny is located Ihot n:lale 10 health, sarelY or environmenlal protcclion. NON.UNIFORM COVENANTS. Borrower and Lender funh!:r covcnanr and allrc:c: as follows: 21, Acecl''l'lIt1oni Rcmcllies. Lender sballgiv!! nolice to Borroll'er prlur to accell:l'lltion follo\\;ng Borroll'er's brCllch of UII)' cU"lmpnt or uerec:mlml in this Securily Instrument (bul not prior to acceleration under pllragraph 17 unless appliCllble 111\1' 1II'II\'Idcs Olbcrnisc), Lender shall nOllfy Borrower of, alRong other thinls: (II) the del'uull; (b) the udlon required III cure thl: default; (c) when the defllu\t must be cored; IInd (d) tblll failure to cure Ihe default as spectned mil)' result in uccelcrllthm or Ihe sunlS secured by litis Sc:c:urlly Instrumenl, foreclosure by judicial pmceedirq: and sale of the Properly. LI:ndcr shllll run her Inform Borroll'er of Ihe r1llhtlo reinstate after acceleration and the right to asserl in the foreclosure proceedlnll the non-exislent>e or a default or any olher defcnn of Borroll'Cr 10 acceleration ancl foreclosure. If lhe: deraull is nOI cured lIS speclOed, Lender at lis oplion may require Immedlale paynlent In full of all sums secured by Ihls Securlly Inslrument wllhoUI furlher demond and mil)' foreclose lhis Security Instrument by judicial proceeding. Lendcr shall be c:ntillcd III collect aU expl!rlJl!5 Incurred In pUl'Sulnllhe remedies provided In this paragraph :ZI, Including, bUI not limiled Ill, altorn",-s' fccs and COSIS of titlc evIdence 10 the extent permllled by applicable law. 22. RelellSll, Upon paymenl of all sums secured by this Securily Inslrumenl, this Sccurily InstNment and Ihe CSlale conve)'e:d shall terminate and hecome void. Mll:r such occurrence, Lendc:r shall dlscharlle and salisly this Sc:curily InslNtnent witlulul char:e to Borrower. Borrower shall pay any n:cordalion costs. 23. W..lvers. Borrower, to Ihe ex lent permlllcd by applicable law, wal\'ClII and reluscs any error or defects In proceedlnlls to ell force this SecurilY Inslrumcnt, and hereby waives the beneOt of any present or fUlure: laws providing for slay 01' execulion, "~lension Ill' lime, exemplion from allachmelll, It:Vy and sale, and homestead exemplion. 2", Itein51lltenlcnt l'eriocl. Borrower's lime 10 reinslate provided in paragraph 18 shall eXlend to one hour prior to the cmnlllClleemcnl of bidding at a sheriff's sale or olher sale pursuanlto this Securily Inslrumcm. 25. f'nrc:hose Money Morlgu!:l:. If any or the dehl secured hy Ihis Sccurlty Instrumem is lenl 10 Borrower 10 acquire Iille to Ihe \lrn\lcrl)', this SecurilY InSIrUlllell1 shall be: a purchase money morlllage. mm 0150 11193) ~'orm 3039 '190 (jltl/le S (if 6 pallet) . . 26. InlcrllSI Hult Aflllr Judgmenl. Borrower 'lIrees lhallhe inleresl rale payable after a judgment is clllered olllhe NOle or ill ~nlleljoll of morlgagc foreclosure shall be Ihe nIle payable from lime 10 lime under the NOle. 27. Uid,'rs 10 Ihls Security InSlrumenl. If one or marc riders are executed by Borrower and recorded logclher Wilh Ihis Sl:curilY InSlTumenl. Ihe covenants und agreemenlS of each such rider shall be ineorporalcd imo and shall amend and supplement Ihe eO\'cn3Il1S and agrl'emenls of this Securily InslrumeOl as if Ihe rider(s) were a pan of Ihis Security Inslrumenl. ICheck afllllicable hox(es)1 o Adjustable RUIl: Rider OGraduau:d Payment Rider Oaillloon Rider OOlhcr(sllspecifYI . .. OCondominium Rider OPlanned Unit Development Rider ORale ImprovemeOl Rider 01.4 Family Rider OBiweekly Paymem Rider OSeeond Home Rider By SIONING REL.OW. Borrower accepls and agrees 10 Ihe lerms and covenants conlained in lhis Securily InslrUment and in any ritler(s) execuled by Botrol.\'er and recorded wilh il. WilnesseS: ~ ~ (Sea\) .UutlClw"". tj)~"d;t ~ DOLORESG.1I0DGE (Seal) .llnrrl*Cr (Seal} .\leI,_ (Sea\) .n..,,_c, rSpDee nelo"' This Une For Aeknowlcdllmenll COJ\JJ\lONWEALTH OF PENJ'Iffi.\'L\'ANIA, CUMBERLAND Counly ss: On this. dill Z' ~ day of M-, .".,.. . beroru me. ltu: undersigned orfieof, personally IIppcared JACOn T. HODGE and DOLORES G. HODGE known 10 me! (or S8lisfactorll)' proven) 10 be: the persolls whose names are subscribed 10. the wilhin instrument and ackllOwledged Ihallhl!)' execuled lhe same for the purpos~ herein conlained. IN WITNESS WHEREOF. I hcrcunlo sel my band and official seal. My COllllllission Expin:s: rl:.lari:.ISt/pl . .. 1;."(:1\ S hUS. ,~..t"l i 'i'h'":::in r:.::... ,'; "~I;fw.t:t.. ~l~ C.(:~~I'tY. I \\.c...u:u:oIJ:"'h t.:Jt,WC:' f:;.t. t.. 2(ll>4 ~1_ Tid. orn.cr ..s: /1..... ,u - OMI) OISO 111931 Fllrm 3039 9/90 (page 6 of 6 pnllrs) VERIFICA TION Barbara A. Fein, Esquire, hereby states that she is the Attorney for the Petitioner in this action, that she is authorized to make this Affidavit, and that the statements made in the foregoing Petition for Citation are true and correct to the best of her knowledge, information and belief. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa. C.S.A. 94904 relating to unsworn falsification to authorities. THE LAW OFFICES OF BARBARA A. FEIN, P.C. ~{1 BY: Barbara A. Fein, Esquire Attorney for Petitioner Attorney I.D. No. 53002 Dated: January 10, 2006 r---- I"'- []"" CJ U1 U1 .-'l .J] ~ '..; !/<;> lJi i~" 5~ ;y~~ to:',;:;>! ,1j ~':~:<~" f'o>ita,e $ ru CJ CJ CJ Certified Fce Postmark Here Return Receipt F<'e (Endorsement Required) CJ Restricted Delivery Fc e ru (Endorsement Required) <0 .-'l Total Postage & Fees $ U1 ~ ~::e:'~APCNo:;..mmm.~.. ...~.. .. . '. kV........................... : or PO Box No. I ' :- ~ ~:' ~~.. -~ --- ~ -- --- - -----...- -- -.... ~.... ~.-... .........--..----..--..- --------------..................-.....---..- ! CIty, State, ZIP+4 PS Form 3800, June 2002 See Reverse for Instructions .J] ru U1 ~ U.S. Postal ServiceTM CERTIFIED MAILM RECEIPT (Domestic Mail Only; No Insurance Coverage Provided) U1 .-'l .J] ~ Postage $ -" '. \,'\ " "\1Y\'1\,: S; L )j.lll \-_., .,,---.--.. rn--.---- f--- --- --- -~- IIIII II "nl': I' ~" .,,. I I I Ii. I'rnll i. u-' I I ill!! I:! !.l"~ I,.~ 11'._ ~ I ill~!d,..: · . ::.t' 1:11~ll I, II. I . . Wi 'H Ill::: t:l\1 tl ~ ::mft'lI~lr.'IlTim ~' .' - ~ ..JJ )",d~ .::J' ru CJ CJ CJ Retum Receipt Fee (Endorsement Required) CJ Restricted Delivery Fee ru (Endorsement Required) <0 .-'l rLJ CI Postmark CJ Here Cl r" CJ IE, ru '1 n! l:[J .-'l re', Ie turn HI=:>! :It r ea '; 3rnen HI" J.r id) ictecl [:ellv:~:1 ~ 99 S ~mE!pr F'f1c.:Jil'ld) Certified Fee Total Postage & Fees $ U1 CJ entTo ~ ~::::o~:;n-.--.h.nn...(-\.:.tt..;:.t-.-....--n.-.....--.n.--n.n_. c.;;;--;;...-----------------~-.-~t-----------------------. PS Form 3800, June 2002 See Reverse lor Instructions CJ <0 CJ U1 U.S. Postal ServiceTM CERTIFIED MAILM RECEIPT (Domestic Mail Only; No Insurance Coverage Provided) U1 .-'l .J] ~ Postage $ ru Certified Fee CJ CJ Postmark CJ Return Receipt Fee Here (Endorsement Required) CJ Restricted Delivery Fee ru (Endorsement Required) <0 .-'l Total Postage & Fees $ U1 CJ Sent To r ~ ~!~=:::~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ ciiY:'SiSie;:Zj'P+4 PS Form 3800 June 2002 See Reverse for Instructions :,erJi, jJ'ee f1os;taqe; ,:t ,=w~s I :~) U1 CJ ~~nl ;~--~---~-- CJ C'- I H u;','I?OfN;:':;'~.. ,'-~..- (Ij PI,! ;~~l'~ No (~, v..iie::zii5.f4'...... 'I 'ge $ 7) r.'~c!c . ~.~..-..~--........-..........-.. I! ~~!il:il!.!IU~I~!!~I!I!!J:lllll. .