HomeMy WebLinkAbout02-1530
THE LAW OFFICES OF BARBARA A. FEIN, P.c.
Barbara A. Fein / I.D. No. 53002
Kristen J. DiPaolo / I.D. No. 79992
425 Commerce Drive, Suite 100
Fort Washington, PA 19034
(215) 653-7450
Attorneys for Plaintiff
MANUF ACTURERS & TRADERS TRUST
COMPANY, Trustee for Securitization Series
1999-2, Agreement dated 3-01-99, By and
Through its Loan Servicing Agent, Fairbanks
Capital Corp.,
Plaintiff,
v.
JOSEPH B. MILLER and
JUDITH M. MILLER,
Defendants.
CIVIL ACTION
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO. O.2-IS 30 CU;J -r ~
NOTICE
COMPLAINT IN MORTGAGE FORECLOSURE
NOTlClA
YOU HAVE BEEN SUED IN COURT IF YOll 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, YOll ARE WARNED THAT IF YOll FAIL TO DO SO THE
CASE MAY PROCEED WITHOllT YOll AND A JUDGMENT MAY BE
ENTERED AGAINST YOll BY THE COURT WITHOllT FlIRTHER NOTICE
FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER
CLAIM OR RELIEF REQUESTED BV THE PLAINTIFF, YOU MAY LOSE
MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU.
YOU SHOllLD TAKE THIS PAPER TO YOUR LA WYER AT ONCE. IF YOll
DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE. GO TO OR
TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OllT WHERE YOll
CAN GET LEGAL HELP
Cumberland County Court Administrator
4th Floor
Cumberland County Court House
1 Courthouse Square
Carlisle. PA 17013
(7 I 7) 240-6200
LE HAN DEMANDADO A LISTED EN LA CORTE, SI LISTED QUIERE
DEFENDERSE DE ESTAS DEMANDAS EXPlIESTAS EN LAS PAGINAS
SIGUIENTES. USTED TIENE (20) DlAS DE PLAZO A PARTIR DE LA
FECHA DE LA DEMANDA Y LA NOTIFICACION. USTED DEBE
PRESENTAR lINA APARIENCIA ESCRITA 0 EN PERSONA 0 POR
ABOGADO Y ARCHIVAR EN LA CORTE SlIS DEFENSAS 0 SUS
OBJECIONES A LAS DEMANDAS ENCONTRA DE SlI PERSONA SEA
AVISADO QUE SI USTED NO SE DEFIENDE. LA CORTE TOMARA
MEDIDAS Y PUEDE ENTRAR lINA ORDEN CONTRA LISTED SIN PREVIO
A VISO 0 NOTIFICACION 0 POR CUALQIER QUEJA 0 ALlVIO QUE
ESPEDlDO EN LA PETICION DE DEMANDA. USTED PUEDE PERDER
DlNERO. SUS PROPIEDADES 0 OTROS DERECHOS IMPORT ANTES PARA
USTED,
LLEVE EST A DEMANDA A lIN ABOGADO INMEDlA T AMENTE SI NO
TIENEABOGADOO SI NOTIENE EL DINERO SUFICIENTE PARA PAGAR
TAL SERVICIO. VAYA EN PERSONA 0 LLAME POR TELEFONO A LA
OFICINA CUYA DlRECCION SE ENCUENTRA ESCRITA ABAJO PARA
A VERIGUAR DONDE USTED PUEDE CONSEGUIR ASISTENCIA LEGAL
Cumberland County Court Administrator
4th Floor
Cumberland County Court House
1 Courthouse Square
Carlisle, PA 17013
(717) 240-6200
NOTICE REQUIRED UNDER THE FAIR
DEBT COLLECTION PRACTICES ACT,
15 U.S.c. ~ 1601 (AS AMENDED) AND
THE PENNSYLVANIA UNFAIR TRADE PRACTICES
ACT AND CONSUMER PROTECTION LAW,
73 PA. CON. STAT. ANN. ~ 201, ET SEQ. ("THE ACTS")
To the extent the Acts may apply, please be advised of the following:
I. The amount of the original debt is stated in the Complaint attached hereto.
2. The Plaintiff who is named in the attached Complaint and/or its loan servicing agents are
Creditors to whom the debt is owed.
3. The debt described in the Complaint attached hereto and evidenced by the copies of the
mortgage and note will be assumed to be valid by the Creditor's law firm, unless the
Debtors/Mortgagors, within thirty days after receipt of this notice, dispute, in writing, the
validity of the debt or some portion thereof.
4. If the Debtors/Mortgagors notify the Creditor's law firm in writing within thirty days of the
receipt of this notice that the debt or any portion thereof is disputed, the Creditor's law firm
will obtain verification of the debt and a copy of the verification will be mailed to the Debtor
by the Creditor's law firm.
5. If the Creditor who is named as Plaintiff in the attached Complaint is not the original
Creditor, and ifthe Debtor/Mortgagor makes written request to the Creditor's law firm within
thirty days from the receipt ofthis notice, the name and address of the original Creditor will
be mailed to the Debtor by the Creditor's law firm.
6. Written request should be addressed to:
THE LAW OFFICES OF BARBARA A. FEIN, P.c.
Attention: Kristen DiPaolo, Esquire
425 Commerce Drive, Suite 100
Fort Washington, PA 19034
* THIS LETTER MAY BE CONSTRUED AS AN ATTEMPT TO COLLECT A DEBT
AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
CIVIL ACTION -- COMPLAINT IN MORTGAGE FORECLOSURE
1. (a) The Plaintiff, Manufacturers & Traders Trust Company, Trustee for
Securitization Series 1999-2, Agreement dated 3-01-99, By and Through its Loan Servicing Agent,
Fairbanks Capital Corp., is the holder of a mortgage as below described.
(b) Fairbanks Capital Corp., is a Corporation having been organized under the
laws ofthe Commonwealth of Pennsylvania and having its principal place of business at 338 South
Warminster Road, Hatboro, PA 19040.
(c) Fairbanks Capital Corp. is the loan servicing agent for Plaintiff, maintaining
the business records for the Plaintiff/ Mortgagee in the ordinary course and scope of business.
2.
(a)
Defendant Joseph B. Miller is an individual whose last known address is 26
East Pine Street, Mount Holly Spring, P A 17065.
(b) Defendant Judith M. Miller is an individual whose last known address is 26
East Pine Street, Mount Holly Spring, P A 17065.
(c) Defendant Joseph B. Miller holds an interest in the subject property as both
a Real Owner and Mortgagor.
(d) Defendant Judith M. Miller holds an interest in the subject property as both
a Real Owner and Mortgagor.
(e) If either ofthe above named Defendants is deceased, this action shall proceed
against the deceased Defendant's heirs, assigns, successors, administrators, personal representatives
and/or executors through their estate whether the estate is probated.
3.
(a)
The residential mortgage being foreclosed upon is secured by property located
at 26 East Pine Street, within the BoroughofMt. Holly Springs, Cumberland County, Pennsylvania.
(b) All documents evidencing the residential mortgage have been recorded in the
Recorder of Deeds' Office in Cumberland County, Pennsylvania.
(c) The Mortgage was executed on December 18, 1998 and was recorded on
January 5,1999 in Mortgage Book 1511, at Page 249.
(d) The legal description for this parcel is attached and incorporated as Exhibit
"A" (Mortgaged Premises).
(e) The herein named Plaintiff has standing to bring the instant action by virtue
of Assignments of Mortgage, duly and publicly recorded as below:
Assignor: Fidelity Mortgage Decisions Corp.
Assignee: ContiMortgage Corp.
Recording Date: May 11, 1999
(Assignment) Book: 612
At Page: 552
Assignor: Fidelity Mortgage Decisions Corp.
Assignee: ContiMortgage Corp.
Recording Date: August 12, 1999
(Assignment) Book: 621
At Page: 1065
ContiMortgage Corp.
Manufacturers & Traders Trust Company, Trustee for Securitization
Series 1999-2, Agreement dated 3-01-99
Recording Date: As Recorded
(Assignment) Book: As Recorded
At Page: As Recorded
Assignor:
Assignee:
(f) By virtue of Pennsvlvania Rules of Civil Procedure Rule 1147 (1) and
10 19(9), and on the basis of environmental responsibility, Plaintiff is not obliged to append copies
of the above mentioned publicly recorded documents to this mortgage foreclosure action. These
documents are, however, appended hereto and incorporated herein by reference as Exhibit "B".
4. The mortgage is in default because the Defendants above named failed to timely
tender the monthly payment of $737.75 on October 23, 2001, and thereafter failed to make the
monthly payments.
5. As authorized under the mortgage instrument, the loan obligation has been
accelerated.
6. Plaintiff seeks entry of judgment in rem on the following sums:
(a) Principal balance of mortgage due and owing $64,980.61
(b) Interest due and owing at the rate of 12.990% 2,110.26
calculated from September 23, 2001
December 22, 2001
Interest due and owing at the rate of 11.990% 2,079.58
calculated from December 23,2001
through March 31, 2002
Interest will continue to accrue at the per diem
rate of$21.35 through the date on which judgment
in rem is entered in Plaintiffs favor.
(c) Late Charges due and owing under the Note 618.88
in accordance with the Mortgage Instrument
(d) Escrow Advances made by Plaintiff on 152.56
behalf of Defendant mortgage account
(e) Corporate Advances made by Plaintiff on 45.08
behalf of Defendant mortgage account
(f) Suspense Balance (Credit) <12.25>
(g) Non-Sufficient Fund (NSF Charges) 65.94
(h) Court Costs and fees as recoverable 300.00
under the mortgage terms, estimated
(i) Attorneys' fees 3,249.03
Calculated as 5% of the principal balance due,
in accordance with the mortgage terms
TOTAL IN REM JUDGMENT SOUGHT BY PLAINTIFF $73,589.69
7.
(a)
The attorneys' fees set forth as recoverable at Paragraph 6(i) are in conformity
with Pennsylvania law and the terms of the mortgage, and will be collected in the event of a third-
party purchaser at a Sheriffs Sale onlv.
(b) If the mortgage arrears are to be reinstated or paid-off prior to the Sheriffs
Sale, Plaintiffs actual attorneys' fees (calculated at counsel's hourly rate) will be charged based upon
work actually performed.
8.
(a)
The original principal balance of the Mortgage is more than Fifty Thousand
($50,000.00) Dollars.
(b) Under ACT 6, 41 P.S. S101, et seq., Plaintiff Mortgagee is not obliged to
serve Notice of its Intention to Accelerate the Mortgage by certified mailing prior to its instituting
foreclosure proceedings.
9.
(a)
The subject mortgage is governed by ACT 91 of 1983 35 P.S. S 1840.401 C,
et seq..
(b) Under Pennsylvania's ACT 91, Plaintiff Mortgagee is obligated to serve the
Defendants with notice of their rights under the "Homeowners Emergency Mortgage Assistance
Program", by regular mailing, prior to initiating foreclosure proceedings. The Plaintiff hereunder
served said Notice upon the defaulting borrower(s) on January 18,2002.
(c) Appended hereto and incorporated herein by reference as Exhibit "C" are
copies of the Notices required, having been sent on the date set forth on the Notice.
(d) The Defendant has failed to make a timely application for financial assistance
with the Pennsylvania Housing Finance Agency.
WHEREFORE, the Plaintiff, Manufacturers & Traders Trust Company, Trustee for
Securitization Series 1999-2, Agreement dated 3-01-99, By and Through its Loan Servicing Agent,
Fairbanks Capital Corp., respectfully requests:
Entry of judgment in rem against the Defendants above named in the total
amount of$73,589.69 as stated at Paragraph 6, plus all additional interest and
late charges accruing through date of judgment entry; and
Foreclosure and Sheriffs Sale of the subject mortgaged property.
Respectfully Submitted,
TIlE L3'FFICES OF BARBARA A. FEIN. P.C
BY: ". ../1'./4- (). ~ -' A
Barbara A. Fein, Esquire
Attorney for Plaintiff
Attorney I.D. No. 53002
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DESCRIPTION
ALL THAT CERTAIN lot or parcel of land, known as Lot No.9, situate on the south side of Pine
Street in the Borough of Mt. Holly Springs, Cumberland County, Pennsylvania, bounded and described
as per magnetic bearings of 1946 as follows:
BEGINNING at a point on the south side of Pine Street, a comer of land belonging now or formerly
to Helen 1. Harmon; thence by said Harmon lot, south 10 1/4 degrees east ISO feet to an iron pin, on
the north side of a twenty-five (feet wide) alley; thence along the north line of said alley, north 79 3/4
degrees east 50 feet to an iron pin, a comer of Lot No. 10 as surveyed by F. Wetzel in 1942; thence
by said Lot No. 10, north 10 1/4 degrees west 150 feet to a point on the south side of Pine Street;
thence along Pine Street, south 79 3/4 degrees west 50 feet to the place of beginning.
BEING improved with a 1 1/2 story frame dwelling house known as and numbered 26 East Pine Street.
Tax Parcel #23-32-2336-292
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I hereby certify that this is
a true and correct copy of the
original documenl...../u?'
~dut 7c-..---
MSBN gCORDBIl 1UI'rIIJIJf TO
lIIDILXTY KORTGAGB J)EC%SXOHS CORPORATXON
300 TaX-STATZ :tm'BD1A'l'XOIQL STE 200
LDlCOLJl'S1II:az. XL 60069
(s,... AIlOft 11\11 UM'" IlKDnIitt& DIIII
LOAM NO, 19104056
MORTGAGE
THIS MORTGAGE ('SecurIty IIIslnllllelll') II giVeD CID DECBDER 18. 1998 ,/' . Tbe lIIIlrl&I&or is
JOSEPH B, KJ:LLBR AN%) J1mITH II. !aLLER. lmSJIANl) Am) mn
('Bonower'),
1bls SecurIty IIIsllUlllllllt il 8MD m
FIDBL:rTY MORTGAGII J)BC%s:!:ONS ,cottP.
AN ILL:ENOXS COltPORATX01f
whicll is orpIIi,mlllld ellIIliDI ullllet!be lawI of ILL:!:1fOIS
300 TR:!:.S~TB ~~~TIaNaL STE 200
L:mt:OLJl'SHXRE. III 60069 ; ('Leod=').
BorllllllCrOW.J..end....lbepriDCipalaumdt S:!:XTY-lI':tVZ '.rHotrSANII E:J:GB'r HtIHElIlEJ) AHIl 00/100
DoUua(U.S.$ 65,800.00/).
nul dobt is evidellc:ed by IIomJwer'l nale daIed !be _ dale .. Ihll Secarlty IIIsIn1IaIDI ('NOle'), wblch provideS for
moDlb1y p&)"meIllI, wilb die 11I11 debl. if DOl paid earlier, due IIId payabla CID J)BCBHBU 23. 2028 - .
TbiI Security ~ MC\IIU lO LeIIder: (a) Ihe ropaytllClll of !be debt evidenced by the NOll:. with iAlenlSl. aDd all
"",ewaIa. elUensI_ and IIIlllIificalioua of lbe Note; (b) lbe paylllClll of all other 1UlIlI. wlllt iDmat. advlllCllllllllder
parqrepb 7 10 procecl!he eecurlty of jbb Security ~ 8IId (e) Ihe pezformml:e of Jlorrowcr'I CDYlIIIIIIlS md
.,-1 ~ tbiI Security IIIsllUllleal :md !he Note. Par tbI1 1JIIIPCIIIl', Bormwer doe.! bereby manpce, 8lml aad
t:IJD'Iff1lO Lender lbe rouawiDa described JlIOIICrll' locat&d In
CUKBDLAND
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CowIty, PeIIIIIyIvllllia:
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wblcllbulbeaddr"",af 26 EAST Pnn: STRBB'1'. HOUNT JIOllloY SI'Il:!:N
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Pelma)'lwuia 17065 ("Propelt)' AddteH'):
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TOGETHEll WITH alllhe \mproveDICIIIII no.. or herealter ecected. on !lie property. uuI all _Ill, IIppIIftCDallCCS.
and fillll1lCll BOW or hOlC8ft.. A pm of Ibe property. All tcplaccmeDlS IIUI additloDs Iba11 aim be covered by Ibis SeaJri'Y
1IllIIrIUIICIIl. All of !be foreaolDg is refemd to in this Seeur\ly 11IJtnnIIClII II Ihe "Property. "
BORROWER COVENANTS that Borrower it' lawfully seised of the eatale hereby C<lIlveyed and Iua die righl to
martple. gnmt and convey !be Property and thll the propeny II ullODC\UllbcrCd. except for eacumbralllZS of ICOOtd.
BonoWcr wamntl and wUl defClld generally !he tide to Ibe Property against all claims atuI demands, subject 10 any
0DCI1111_' of r=td.
nns SIlCURlTY INSTRUMENT COIIIbiDes Wliform COVCll2lllS for lIlIIioDAI use and J\llII-IIJ1iform CO_IS with
limited variatiooo by jurisdiction to comtimtc a Ullifol1D ICCIltIty iDJUUIDent coveriDs real propertY.
UNIFORM COVENANTS. \ImtOWer and LclIIder C01IeIIIIIl atuI aaree sa follows:
1. PDJlllIIIIt of PrlDdpal and Int_; l'repa1llleal and Lite Curpo. Bono....r abaJl promptly pay ..hell due the
priIlclpal of atuI interest oa Ibe debt evldeZJced by the NolC and any prepayment anc\ IIIte c\larps clue IIt1der the Note.
2.. FuIIds for TlIXes and Iaaunmce. Subject 10 applicable law or to a written waiver by Leader, Borrower sbaIl pay to
Lonlier oa !be day monlhly paytMDIS ere due W1der the Note, IIII1il the No... Is paid hi full. a sum ("Punds") for: (a) yearly
lnes uu1......_ which 11I2.)> anlliD priority over tbis Sr<:urity lDsln1t111:1lt IS a Iictl on the Prapolly: (b) yeuly leasehold
payQlellts or ground Iall' OD lhc ProperlY. if any; (e) y.....1y hazanl or properlY i1llU..-c ptemlums: (d) yearly flood
insunmce premiums. If aDY: (e) yearly IDOngaae ituurance premi1lllU. If any; atuI (I) my 1\11III p.yable by Borrower 10
Lender, in accordance with Ibe provislOllJ of pIlfAgraph 8. in lieu of the paymenl of morlaagc irlsIlraJlce premiuml. ihcse
items are called "Escmw Itetllll." Lcnder may, at any limo. collect and hold Funda in an amouDt nOllo cxceecI the maximum
amount a lendo: for a fedenlly related mongage loan may require for Borrower's Clt:rOW 8Cl:OIIDI under lbe federal Real
\!stale Settlement Procedures Act of 1974 II ammded from ti_ to time, 12. U.S.C. f 2601 If Stlq. ('RI!SPA "), weas
....thcr law th.1 applies to the FUtJd. sett J lesser amount. If 80, Lcnder may. at any time, collect and lIoId FlIlIds in ID
amauoI ""I to exceed the lesser _I. Lender may earimalC the AlDDUllI of Fuads due on the boais of CUrn!lll data and
......Dable estimaleS of expl:tltlimres of fuUlJe s.aow Ilema or olllerwise in accottllltce with applicable 1.91,
The Fuaels shall be beld in au inlt\tu'tiDD wltooe dopDllU arc iDlUfCd by a federal qeacy. iDstNmemality. or eDlity
(incladlall.l::Ddcr. If Leader is such an iDStitu!loD) or in any Federa1 Home Loaa \laDk. LcrIdcr sball apply !be Funds to pay
lb. Eacrow IlemI. Lcndet may DOt cbarge Borrower for holdlD& atuI applying the Faads, annually enalyzing the ClemW
aa:oum. or verlfyln& lhc l!scrow Items. l1lIieos Lender pay. Borrower inlercsl OD tho FUllds and applicable law pcnaiu
Leader 10 make such . char&C. However, Lender may require Bo"""""r 10 pay a o",,-lime cbarp for ... indepOlldelll rcaI
estltC t;Ilt reportiq ...mce u!led by LeIlder in COJ1IIClCtion with litis 10.... \Ul1eas applicable law ptO"icIcI Dlhetwlsc. Ual... an
agrcemeat is IIUIll<: or applicable law teqIllRS imemt to be p;itI. Lellder mall DBI be tequiJed to pay Bo_ ff1'J inte_
or earnlnas on tIul Funds. Bol1"Qwcr atuI LeDl!er may ..... in writlag, however, thll int......t shall be paid on the Funds.
Londer shall give 10 Borrower. wilbouI c.IIarse. ID lDtlualllCClluntiag of the l'uadS. sbowiog C%CdIlS and debita to lhc Fuocn
IDli the purpose for wbIcb eadI debit ro lbe Fund. was 1IIAda. The FUIlds are pled&ed' AI addiliooal sa:urity ror all auras
seemed by lhis Sc;urity l,lIStrU1MIll.
Ir the P\IDdI bold by LeIlder eaceed the IIII10IIIlU permiI1ed \Q be held by' applicable law. Lender shaI1 iICCQUIIt to
1IoITO.... for the eaceIS FWIdI in accon\mCC wilh lhc n:quitemeDlJ of appllub~ law. If lhc _t of the Funds held by
Leader at any time is Dolllllfflcleac 10 pay the l!saoW 11_ wbeD due, Lea4cr may 10 notify Borrower in wri!loC. aDd, 10
such .... Borrower shall pay to Lender lite _Dt necesury to make up the deficiency. Bonowcr shall make up the
dcficlaocy in nO _ thatI twelve moDtb1y paytlICDll, at Leader'. IOle d~IDD.
Upon paymout ill M1 of all sums tCCURd by Ibis Security IoSlrWllt:Dl. Lender shall promptly refund to Borrower any
Fuads held by Leader. If, uDder parqrapb 2.1, Lender shall acquire or sellllle Property, Londet, priorlO lhc acquislllon or
sale of the PropoIly, lIIall apply any Funds held by Leader at Ibe lime of acqulsltloD or sale IS a credit ..aiosl lhc suma
secured by thil Security lnllrU11lCDl.
3. Application of l'aymODll. Unless applicable law pltlYides otherwls., all paylllCllll received by Lender under '
patqtapbi I :md 2. .hall be applied: fim, to lIIIY prepayment chargea due uDder \he NOle; .-ad, 10 aJDll\I1lll payable under
paragraph 2.; dIltd. to in1erea1 due; folll1h, to principal due; and 1281, 10 any late c\tatiCI due under the Note.
4. Cbnrgl!ll; LI..... Borrower lhall pay aU laus. _smems. dtargee. fines and ImpoaitiODl atlriblllable 10 tha ProperlY
which 11I2.)> luain priority over this Secdrlty 11lIltIlDICllI. atulle8aohold paylllllllll or grouDd _It, If any. Borrower shall pay
these obligatiODl hllhc IIIIUDICf provided in parqraph 2.. or if not plld ill thBl matlDIlf, BolTOWC< Iba11 pay tllem 011 time
dIreCtly to lite pcllDtl o....d payDlctll. Botrowcr ,hall pmmptly f\mI1Ib 10 LeruIcr all notices of iIIJlQIIIIJ5 10 be pai4 under dill
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paymenl.. .
PDfI'IBYLv.urt....~,....,................UlGPOAMINI'I'UMI'" ~.
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Borrower sball prompdy discharge my lien wbich bas priority over Ibis 5el:IIrity WlfIIlIIerIt unJco. Borrower. (a) ......
in writing 10 \be paymaDl of lbe obligation secured by lbe lien in a IZI31Ul8f ~lllble 10 Lender; (b) contett& ill cood faitb
lIIe lien by. or defends qaiDSI ont~1 of lIIe 11... ill, lep! pzaceedlnp which illllle LeDder's oplDioll opcr8le 10 prevonl
!be ~I of die Uea; or (c) seeurco from Ille IioIder of die lien III apeemonl .1IlIsfal:tmy to Lender subonllnl!lng tbe
1i8l1 10 chis Security lxPuu_. If Lender tleterml.... !b81 allY pari of tile Properly I. subject 10 a Ii.., which may anaiIl
priority over !bit SecurUy lDamImcnl. Leodm may live IIomlwer a notice identllYing die lien, BorroWft sbaII '1I1sfy the
lien or lake 0"" or IIllllO of die 0Cli0l\S sel forth above within 10 days of lIIe giving of notice.
S. Hazard or PrGperIY 1....._. Borrower shall keep Ibe lmprove.lllenlS now cxillliDg or bereafter eteded on Ihe
Properly insured agalnsllo.s by fire. IIaurd& included wilbin Ihe lenu "exlOJldcd cov=ce" and my olher bazards. iDdudlDg
Roods or 800ding. for which Lender requites llIsUrlIIIce, This insuranCe .!hnIl be mainWned in Ibe alUOUIIlS IIId for the
periods lbal Lender .equires. Tbe insurance carrier providing lbe inaur8llCO slWl be choll8ll by Borrower .ubjeclto Lender's
approval wbich shall DOl be _onobly wllllhcld. If Borrower rail. 10 mainlalD coverage described above. Leoder way, al
\..ender's optioll. obllliD coverage 10 prota:t Lender'. righll ie!be ProperlY in llCCOIdaoce wllh paragraph 7.
All inSUnmce policies and _pia .hall be m:ceplllbl.lo LendCr and shall iodude a .18IIdanllIIOrlgage clause. Lender
sball ba....!be righllo bold die polic:les aDd _also If Lender requln:a. Borrower s11111l promplly give to Lender a1llOC1liplS
of paid pmniuma aDd mlewaIlIOriceo. 111 lb. evenl of loas. Borrower sb8Il give ptolIIPl nolU:e 10 lb. insurlllCO csrrier and
1..eIIder. Leader may mak\l proof of loss if 1101 made pmmplly by Borrower.
Unless Lender aDd Borrower otberwl.. 8sree in wriliDg, inI1Iraoce proceeda sball be applied to ratoratlon or repoir of
Ibe ProperlY damaged. If Ihe IeSlOllllioll or repair is economically feasible end Lender's oec:wity is 1101 lessened, If die
ratonlion or repair Is DOl ocollOll\ll:llly feasible or Lender's security would be 1001ICDed. the insunDce proceed' sball be
applied to the sums secured by lbia $ocnriJY IIIstrumcnl. wluotber or not then due, ",lib any =s paid 10 Borrower. If
IIomlwet obU1llcms Ibe Propeny. or does not amwer widdn 30 days a noti= from Lender !hI! Ihe iDsuralu:e canict has
offered 10 sallie. claim. !bOIl Leader may coUectthe IDSU1'llI\CO proceeds. Leader may use !be proc:eedsto repair or tellOI"O
Ibe Property or to pay sums secured by tlJ,is S<curily IlUlrUJlllmt, wbetber or not Ibm due. Tbe 3O-day period will begin
",bon lbe notice is given. .
Unless I..eIldu and Borrower olhczwl.. agree ill wriling. any appliclllion of proceeds III principal shall not OlItend or
JlOIIPO= the due dale of lbe tIlOIIIh1y paymOlll5 teferred 10 in paragraphs 1 end Z or cbanlIe the ammml of !be paytUlllI. If
Ullclet paragnph 21 lbe ProperlY is aoquired by Lender. Bonower's righllO any iDauraoCC policies and proceeds ~lting
rrolll damaC<: to lbe PropqIY prior to lbe scquiaitloll sball pass 10 Lender 10 the e_ of !be sulDS secured by ibis Security
IlI5Inuoent immedi8lely prior 10 lbe a<qIri~lion.
6. Omspane,., l'nsIea'YDtiOll, MJdnleU1la! and l'roI&ClIou or the PrGport)'l Borro...... Laa. AlJpIicIIllon;
Leuoholds. Bonower abaIl oecup)', eatablish. and use.lbe Pmpeny as BoIJO'NOl"s prlm:ipal ....idax:e wilbill siltty days after
rile cxecullon of this SecuriIY II1scrumem and shall CODlIDue III occupy Ibe Property aa 1lcnJ00000'S princ:lpal ....ldenl:e for aI
leasl one year after Ibe dale of occupaacy, unless LcDder olhetWilO agreea in writing. wbicll ...- sbalI IIDI be
1lIUOlIlIOIIIbly wilhbeld. or unless extenuating cin:nmst8llCOS OlliS! which arc beytm4 Borrower'S control. Borr""",! sba1I not
destroy, d..... or impoir the Propcny. allow lbe Property to deteriorlle. or ClJt!III'iI waste on lbe ProperlY. Borrower chall
be ill default if OIly fotfelllU" ""lion or proceedillg. ",belber civil or crlmi~ Ii bep lbaI in Leader's good fallb judgtneOl
could reallil lD forfellUJO of the PrapOtty or oIberwlse materially illlpair lJIe lien ctelted by Ibis Seonrity IllSlrument or
Lendl:r's security iDIcreSt. BorrOWer may cuno sncb a i!eflllll and reinalAtlO. as pIOYlded in paragraph 18. by causing Ibe
actlon or prococdlDalO be dlsJDiaaed wilb a ",Una lbaI, in Leader's good faith deIenninIIIion, precludes forfeilWO of lbe
Borrower's interest in die Properly or oIber llIIIIerial iJDpairnlODl of die lien CI1lIIed by Ibis Security InslrU_ or Leader',
security interest. DOROwer shall allo be in dafault if BoIJO'NOl'. during tho loan appUllIIlion proceSl. gave llIlIIerlally falae or
iaaa:orllle information or llal_11 to Lender (or failed 10 provide Lender with my lDIterlal ieformltiOll) in coanection
willi !be 10ID evidouced by Ibe Note. iIIcIuding. bOt nOIUmlted 10. repreaellWiona concerning Borrower's DCOUPIIIOl' of Ibe
Propetty .. 8 principal residence, If Ihil Security wUllment ill 011 a leuelu>ld. Borrower .ball comply wilb aU Ibe provisiclll
of tile I..... IlBorlllwer acquires fee litle to !be PropOlty. the leuel10ld aDd Ibe fee lille .lWl DOl meree unlCSI Lender"
agReS 10 Ibe merger ie wrlling.
7. Protection of Ll!llder'1 B1lhU In lbe PrGperty. If BOlTClWcr falla to perform lbe coVellllllIl and s.--" cootained
in this Security InstrUment. or III.... Is a legal proc:ecdmllbllllllllY slgnlficaollY affecl Lellder', righ" mIlle PropettY (such
IS 8 proc:eediIIain baakrnptey, probllle. for condemnation or fmfel""" or to enlo= laws or regu\ali.....), Ibm LeIlder may
do IIIlII pay for _ Is eecelSBrY 10 proteCt the value or Ibe Properly md LeI1der's ri&bll in the ~. Lender's
=v..........___...UNl_- lIli'sl'& ~
....3.,7 /'
.
--
~.
""lions may lDclud. paying lIlY SUIDI seemed by a !len which Iw priority oWl' this Security IDslNlIIeIll, appeIrinc in coon.
paying roaoollBbl. atIornoys' fus IIld ontering on 1he PlOperlY to malee tep1lini. Nthough Lmder may take action under this
paragl3Ph 7, UDder docs 1I0t ha1IC 10 do so.
Any amolUll:l dlsbuned by Lender under this pingraph 7 shall became additional debl of Borrower secured by this
Security IlIStrlIlIIl!tll. Unl... Borrower and Lender agree to other _ of payment, diose amounts sha1I bear inlefCSt from
lb. dalO of disbursement al lb. NolO rille and shall be payable, willi truercst, upon ootice fn>m Lender [0 Borrower
rcquClling paymcm,
8. Mortgage Insur1lllCC. If Under required mortpge insurance as a oondiUon of making the lo8Il secured by this
Security WOUID""t. Borrower dIall pay lb. prclIliuma requited to malDtaIn lhc \llIlrlgagc illSUrance in effilcl. If. for lIlY
rcuOIl, lbe mcmglllle insuralU:e coverage reqlliled by Lender IllpICs or c:euCI to be in cffilcl, Borrower sha1I p.y the
premiUlDS required 10 obtain covenge substantially equlvalenl to 1he 1IIllrtglge lnautlllCO previoualy In effect, It e cost
sUbstontially equivaleotlo lite cost 10 Borrower of the mortgace inaurIDcC previoualy In olfel:I. from an altern.. mortpge
in$UlCT approved by Lend... If subltllltially cquivalCIIIlllOrtaege iIlsuTlDCO coverage is 00\ available. BOlTO'\llCr shall pay to
l.endl:r eocb month 8 sum eqWllto one-twelftb of Ibe yearly 1l\Ortpge iIlsurmce premium being paid by Bonower wheo the
IRlUranee coverage (aplled or ceased 10 he In effeet. LeluIer will sccepl, use aod retain these paymenll as a loa taSelVe iJ1
lieu of mortglge inauranca. Lou reserve paymell\J may no longer be required, al lhc optlon of Lender, if mortgace
insut"""" coverage (in Ibe IlDOUDl and for Ihe period \hilt Leader tequiresl provided by 11\ Insum approved by Lender apin
beco..... available and is obtalnacl. Borrower a11a11 pay the prclIliUIllS required to mailllain mongaae !Muranee In effilcl, or 10
provide a loss reserve, UDliI the "",uiramenl for mongage insunmCe coda in acr:cmIance with 11II)' wrillen ogreemelll betw=
BonOwcr IlIld Lcndc:r or applicable law.
9.1nspec:llnn. Lender or ill agent DIllY make ~hle entries upon and iDspecIiollll of !be PtoperIY. Lender shall give
Bono...... lIa1ice at die UlIIC of or prior 10 an.lnspection specifying _nable cau.e for tho inspeetIon.
10. Condemaatlon, The praeeecIa of sDY awanl or elaIm for damage3, dtreet ar consetjuenllal, in eannection with II\Y
condI:nm8tlon or other taking of my pert of tho Property, or for coll'leyanea in lieu of c:ondI:mnalloll, are hereby assigned
8Ild sball be paid to Lender. '
In !he eoenl of . [otal taking of die Property, the proceeds shall be applied to die .ums .....red by lhis Seellrity
InSllIlIllcut, whcLhct or DOt tben due. wilb 8lI)' excess paid to Borrower. In lI1e evenl of . partialllIki"l of lb. Property In
which Ibe fair market value of 1he Property immediately before tho taking is equal to or greater limn !be 8lIlOUlll of tho IUIDI
seeured by rhia S....rity InsttUIDCIIt Imtnedlllcly bolore the takIDg, unless Bom>wct IlIld LeMer othcrwiscagnoo in writiDg,
the sums .....ted by lI1i. Security 1nIlrUll)Clll shall be reclucod by die amount of \he proeoed$ IDIIlllplied by the followiDrl
fraction: (a) the IOlal amrront or thllsUDll seeured immedillely before the taIting, divided by (b) the fair market value of tho
Property i[lllllCdillcly before the taking. 'AlIY balllllCC shall be paid 10 Bonowcr. In !be ewnl of a pertlaltatinl of !he
Propeny in whieb lbe fair market value of die Prnpeny illllllCdialaly before !be lakiJlg is leas !ban lho amounl of tho IUllII
aecured immedlllCly before the taking, unIest Borrower and Lendor otherwise agree in writlnl or union applicable law
oIbe['lll\se provides, !be proceeds &hall be applied 10 the sums secntul by ibis SecurilY IrtstnDDClll whath.. or not tho sums
are then due.
If \he Property is abandollerl by Borrower, or lr, after noliee by Lender 10 Borrower thlt the concIemoor offetllto IlIIkc
III awanl or sellle a claim for d.PS, Bonower faUato respond to Londar WIIhiD 30 clay. after !be dllC lb. nolicc i. given,
Lender Is Ollthorizcd lD coiled and apply the 1'f"OCCdI, &tIll option. ellllcr '<1 restoration or repair of the Ptopcrty or to !he
III.... secured by this Security JnmullleDt. wltalher or DOt thon ~.
UnlClS Lender and Borrower otherwise ..roc in writlrl&, any application of proceecla to principal shall 00\ wend or
postpone the l!ne date of the monthly payments refenol! to in pllllgraphs I and 2 or ebarlge tho IlIIIlUnt of such paymenu.
11. BcmvftJ' Not ReI...eII; ForlJeanl.... By Lender Nol a War..er. EDension of the time for paytnent or
lIlIldificalioD of aIIIOrtizaUOlI of the SUIlIIlICClIt'ed by thII Security WlNlMIlt Sratlled by Leader 10 8lI)' SUClZssor in interoSl
of JIorTower shall 00\ operate 10 retease the liability of lhe original Borrower or lJorrg.lrer's ",,,,,,,s.on ID ioICresl. l.cnder
.balI nol be required to c:ommenec proeeedings lIJlIlDst lilY _r ia interest or refuse to cmcnlI time for paymeot or
othelWisc modllY lDlOrtlUlloa of the SUDlS secured by thII Security Jnauttment by - of 8lI)' cIcmand IIIIlie by tho
original Bom>Wcr or Borrower's succesaora in Iotcrest. Any forbearllll<:e by LelIIIer iD exercising any riSht or remedy shall
not be a waiver of or preclude the eMlCise of any righl or remedY.
lZ. s_n and AsrIigna Bouml; Jolnl and Severabl. Liability; Co-aIcnen. nu: covenanlS and agreement. of this
SecurilY Ins[rument shall bind and bcuefit lhc suC:CCSlOn aod ..ligOl of Lender aod Borrower, subi'" to proviaioOl of
paragraph 17. Bo.......,..... r:ovenanlO IlUI aer<zmeD1I &hall be joint md several. Any Borrower who &JlS this Securlly
PDCJCIno'VPlA.-...,...." ,........."......".UMfOI)IIVd'r1l\IN'IRCT
..........
....4ar1
_/e
"--
lDsuummt but does IIOIllUlCUte the NOle~ (a) I, co-.lgniDg this SecurilY ImtNtllOllI ODIy 10 mortgage. grant and convey thai
lIornrNer's iJllen:s1 ill tho Pt'llpeny UDder lhe 1= of Ihl. SecuriIy lnstn1rnen1; (b) is not penoaally obllplCd to pay the
SIIIILI seam:d by tbiI SocuIity IDstmDWll; IIIIcl (c) ~ thal !.onder lIIId my other 80trawcr may agree to _d. modify.
forbear or make any awmunodllilltlS ....lIh tegard '10 tho temII of Ihl, Security 11IJlt\UDal1 or the Nore without thal
Borrower's co......I.
13. La.... Charges. If lIle IoaIl secured by Ibis Security IDstrumenrll subject ro . law whicll lell maximum loan char&os,
md tbat l.a.. is fmally inlOlJlrered 10 lbal tbc intctest or other loan cIlarges collected or to be collec:ted ill COlItIOCtiOD with the
laID elWlOd the permitted limltI, chon: (a) any such loan charge sl:1a11 be rall1COd by tho 8IIIIl1IlI1 1IIlCe"ary 10 reduce the
charge 10 tho permlued limit; aod. (b) any IWhS already collemcl !10m Ilonowor wblch exceeded permiued limits will be
rd\uIded III Borrower. Leader may chooae to make litis rel\uld by reclucill8 the prillCipal owed UDder tbc NOle or by maki1Ig
. elira:l peymetlt to Bom>wer. If. refunel reduces prlncipal, the recluctlOll will be treated as . pania! prepaymeat withour my
prepaytMIII cbarge UDder lIle Note,
14. Node... lU1y IIOllce 10 Bonower provleled for III tbiI Security InslnImem shall be given by delivering il or by
mai1ioC II by rllll elu, mail UIIleu applicable law reqUirel UID of mother method. 'nle 1I01ia> sball be ellrectcd 10 tho
ProperlY AdcIn=.. or lIlY olber addres. Ilonower desiglWel by noIice to I.encler. Ally DOIia> 10 Londer shall be gival by fim
01... mail to Lmeler', IIlclrots otared herein or aAY other adcItesS Leaeler designates by nolice to Bonower. Any tIOlice
proVided for in lbiB Security InmumOllI lhall be eleemed 10 bave been given 10 Bo_ or Leoder whOll giveD at providecl
in thill pangnph.
1$. Gcn-eml"ll Law; Stwu1IbIJIty. This Somrity lDsuumenl lhalI be govemed by fedorBl law aIlli the law of die
jurisdiclioll ill which the Pmperty illocated. In !be OVDIIt tbat any provision or cIauae of this Security InsmnneDl or the NOIll
collllicls wilh applicable law. such coIlIIict 1ha1\ DOl affect other plOVl,Im1' of Ihll Security 1ns"""","1 or the Note wbidl
can be gi_ efrect wlllsool the COIIfliclillg provlllOll. To mil 0IId die pmvlslOlll of lilt, Security lnsttUmeat IIId tile NCKe are
clcclarocllO be severable. .
16. Borro....r.. Copy. Borrower shall be glvel! OttO conformed copy of the Note aIlli of this Security lDsuulllOllt.
17. Truafer oftbe l'\'Oportyor8 Beliolld81lntenst III JIonower. If all or my pan of tile Propcny or my inrerest ill
il is sold or tronsfetred (or if a beGefieial iDlcreSllIl /IomlWer is solei or rraosfetred aIlli Bormwer II - · DIlUral ponon)
without Leader's prior wrium COII5OIIl, LeIlcIer may, at ilS option. require lmmeclllte paylllCll1 ill full of III I\IlIIS ,ecured by
this Security Imtrummr. However, !hill optlOll sba1lllOl be ellercl&ed by Lender If =1.. II prvIriblted by federal II"" as of
the cIIre of Ihll Security 1DsIrUttIOIIl.
If Lender exercises this optiOll. Lend~ sball give Borrower nOllce of ....1orlItlon. The 1I01\ce sh.n provide · period of
8011.., IlIID 30 elay' from the cIale the notice is cIl:Ii\teIed or mailed wilbin whlcb Borrower tIIUSt pay all SlItDI secured by
this Security ImtrulDOlll. If Borrower Calli to pay theoe suma prior IlIl1le expiradotl of mls period, Leaeler may 1n'iO"" Ill)'
remedies permitted by till. Security Inslnm1ellt ....ithout ful'lbcr DOUce or clcnWtel on Borrqwer.
18. Bo......,.er.. RighI to Re\ftltllre. If Ilonower mooR cenaIn conclirloDs, Bonower shall have the right to bave
cafon:ctDCllt of Ihls SecurIty llIIUUIIIDlll clilCOnunued at lIlY lime prior to lhe earlier of: (a) S dayI (or IlICh oIhor perioel as
applicable law may specify Cor relnsIall:l1lOlll) befonl sale of the PlOpcny pur~ 10 my power of sale contained iIllhls
security 1lIItru11lal1; or (b) 0Iltry of a judglllDDl ellforc:ilI& thll Security Io'lnItIIl:IIt. 1'hoIe coodldons are Ihal &ono.....r: (0)
pays !.onder all ."ttII which mell wcmlcI be due uncIer this Security InJlNmeDt and the Note as if tIO ea:clermOll bad
oa:unecI; (b) cores any eleflllllt of lUll' other e<n'CIWIts or agreements: (cl pays all expeIlI" Incurred in eafotcing !hi,
security losuumont. iIlc1ucllllg. bl1t DOl llmiled to, teIIIOIIIII>le lIIUIl1IDY.' fees; BIllI (eI) takes luch action at LeIlcler may
reosoaably ~re to llISU'" that the l!ell of rhls Security 1Ntn1JtIaIt, Lender'. rillus iu the Property lIIId Bonower's
obligariOll to pay tho milia accured by \hi, security IDstrumelll ilIlIII continue Wlclumgecl. Upon relnstalllltleD1 by Borrower.
this Security losmunent lDeI the obligations secured hereby s!lall remain fully effective II if 110 ....Ieration bad occurred.
H......".r, 1his righllo ..\nStalD Iha1I not apply io the .... of OI:Celcralion WIder paragraph 17.
19. Sale or Note: Cluul&e of Loan Sel"flcer. The Note or a purial i\'l.erest In the NolC (tocelllor with IIIls Security
11lstJ1II1>OIIl) may be sold one or more timeI witboul prior notice 10 80_. A sale ....y ..sull in a cIlan&o In the entity
(known as tho "LaID Sorvicor") lIlat colleclllDOnthly paytllOlll' due uncler the NOlO and this Security IDslrutnenl. TMte also
may be one or _ chaAl"I of tbc La8ll Sam"'" umelated 10 a lole of Ibe Note. If thore i. a chIDp of tho LaaD S_,
Borrower will be given writll\llllOdce of the chan8" In accordance with p~.ph 14 .bove aDd applioablo law. The noli..
will sUlte the n8lllC aod. acIe1resl of the new La8ll Sorvicer and !he add.... 10 which paymDlltl should be mado. The oOlice will
also contaln aDY other iDformIllon required by applicable law.
>>. - _. ........---. -",,-. -. _. -fJh7".
Hazarelous Sobstaocea 0tI or in the Propcny. Borrower shall not do. nor allow anyone else to do, ing a(fecUDg the
l'INIISYLy.vo.-......., l'aM...............UNU'OPt IJ'II1'1lUMIPrI 1nklIls
not:.... I. .
I'ICO ,." ~
I
:....-1.
'~.
Property mal is In violatioo of any I!ovirolllllODl8l Law. 'Ib~ precedin& two .eoteoc:es .baIl oor apply to the presence. use, or
SlUrap 00 the Property of small qlWltltle. of Hazardous Sub.1IlJCa th.t 8ft generally ruoCOized 10 be appropriSlll to
normal raidcllriol uses and to mliJuoaoce of lIle Property.
80_ slllll promptly give LcIIdcr writteo IIOllce of any in"".UptloD, claim. dCOWJd, lawsuit or ot\w' lClioo by any
govonuo....a1 or ",gU1aIOJY apncy or privare party IllvolviDgtho Property 3l1d BOY Huudou. Substam:e or Environlllenlal
Law of which Bono"'... hu acruaI Ialowlcdge. If BorroWer leanJIl. or is lIOlillcd by lilY govermnemal or regulalory
.,uhorlty. rhoI lID)' removal or o1ller remedllliOD of lID)' Hazardous Su~ affCCl!llg tho PlUpCIIY is -sary, Borrower
sholl promptly like 011 ....:eo..." remedial actio,," III a<eotdaDee wl1ll llIIviromoeotal Law.
A. used III Ibi. paragraph 20, "Huardous Substam:es" 8ft those .ub.llIDCCS defined as tollie or bazanIous .ubSIllllCCS by
I!.llvironmeoW Law and tile fallowing su1l9lancm: a....liDe. keroIeIle, other flanuoable or 10lUe petroleum prodQCl., tollie
peslicWa aad betbicides. volatile sol_. IJIItcriols conlaioiDg ubesto. or formaldehyde. and radioaclive materiol.. As
used in Ibis para&r.pb 20. "Iloviroomeotal La"," meaIlI fcderalllWi and law. of lIle jurisdictioo w\Iere tile Property is
located mil relate to bealtII, aafe!y or eovlrootnCDlll protecliOlI.
NOIll-UNIPORM COVENANTS. BotTllIIm IIDd Lender t'urlber COVClWll and as*' .. fallows:
~l. Aueler8tlOll; R....edI.. LI1tder ,ball &1.. noUce ta 80rr0w1l' prior ta acceIeratloD tallowiD; Borrow...'.
braell of an)' _0IIIIIIl or .....-ent ill tbll Security InstrUmart (but aot prior ta -rerat1cm - JIIII'lI&ftlpb 17
ualas applicable law provIde6 otIIerwbe). Lender .ball notify Bottowor of, _..... othet' thInpr (a) tile default; (b)
the actin requiJ'etl to cure the del'aultt (c) ..bea tile default muat be aired; and (d) tJutt taUUI'C ta cure the default as
specified IlIIY result tD ea:eleratloa or the ItIIIIS .....red b)' thl. 8ecuriI)' ImtrumO!llt. fonclos1lre by judIcial
proceedlDII and sale of the Property. The nptl<e .ball fulther Inrorm Borro..... of the riCbt to relnstllte .nor
_.loratIon ad tbe rtcbt 10 _ la lhe foreclosure JII"CICeedlIIc the DOD-codJt..... of e default or ...,. other cter_e 01'
BOn'Ower to acccluation and fotedosure. If the delault Is not cured as speclned. Lender It its option may require
Immediate pll)'DtOllt in full of ellllUm .seCuM by this Security Inatnlmonl witltaUt furtber demaad aad may foreclose
tbls Security ~O!IIt by judicial pl'IlCWIIDg, Lender ,ball be entitled to collect ell 0XJICI'Sl'8 IIICUITOIIIn .,......nal
tile remcdl. pr'OYicled la tIdI parqraph :11. Includllll:. but Dot IbnUed ta, attomeya' f_ ad casta ot title ""deaCll ta
the _ permitted by eppllcable law,
'~2. ReI..... Upon payment of all lI\IntS secured by this SecurIty \nStrWIlelll, tbiJ Security Iomumenl ao4 die eslale
conveyed shall termiDale :aid became void. Aller ouch accurreoce, Lender shall dltclw&e Illd sllisfy this Sec1Irity
lastnllDOllt without .barge 10 Borrower. Borrower aba1I pay auy reconlalio.o costs.
23. Walv..... Borrower. 10 tile extent permitted by applicable law, waives and re\eascs my error or defects In
prac:codlngs to eofo= lIri. Security Instrument. and bczdly walvellhe benefit of illY pteIClII or futute laws provldillg for
'lDy of Ollecurion. extellSlon of timll, cs:eoiptlon from alw:l1nlull, levy IIId .a1e, and bomeate8d elCCmplion.
24, RcIDStatemart PerIotI. Borrow.r's tboe to reitlswc provided in parqrspb II a!\IIl extend to one bour prior to Ibe
commencemeot of biddlo& at . sheriff's lIle or other slle puraWltllIO thia SecurIty IlIS\tUlIlCIIt.
25. l'drt:hue Maney Mortpp. If any of tile debt securcd by Ibis SecurIty InstnlloentlslcntlO Borrower co acquire
title 10 tile Property. Ibis Security Inmument shall be a pun:twe lIIOocy llIOrIp&C.,
26. 1ntenst RlIte Aft<< .JudpDOlIt. Borrower sgtecs Ibll tho loleresl rste 'l'IYable after a judgmeDl I' enlered Dt\ liIe
NolC or III III action of mottga&C :foreclo.ure IbaII be the rste payable from ume to lilOll uoder tho Note.
27. RIders to tbls SecIIrIt7 IDstroment. If one or IIUltIl riders lIe ~ by Borrower and recorded togetber with thia
SecuritY lnslNJ1ICDI, die COVOlI3IltS ao4 acreemcoll of eadt sw:b rlder shall be 1neorporllOd iato ao4 sball amend ao4
supplement die c:oveaants and .greemeo.lI of this Security 111IttUmcot .. If 111. rlder(.) w.... a pan of IhIs Scmrity
IlIImuoent. (Check appllc:ab1e 110"(01))
~ Adju.labl~ RaIe RitIar
o 1-4 Family Rider
o Bllloon Illder
o Otller(.) {specify]
o CoolIooIiDium Rider
o PlllllDOll Ualt Develop_llider
o OrllllUalcd Paymoot Illder D Blwecltly PlI)'lDOIU llicler
o llale Improvement Rider 0 Sccorul Hame RIder
ftNIIY.."ANfA..-.s............~ ....UNIIWM UII'IMIIIIHI'
-.-
",,6 of'
.
.
.....
.
BY SIGNING BBLOW, Boaower accepl8 and ICfCIlIIO Ihc _ aad CDV_ coulaiDed in this Security IDalruIllClll
lIIllIln my rlder(s) ullCUled by IImTawer aad 1llCO~ wilh it.
~r:U
~ I <1/1/ //r-^-'
,Ii o::;t~. IaLLD
// ~!11 ~
f/ 7' H. JULLE
(Seal)
. ....-
(Seal)
.-
(Seal)
--
(Seal)
--
t:fJMo... na LmoFar ~~t$lta,.._
STATEOP~:~~~~~ A4
Co1IIIl)' of /I!.llI.J.fI'WI&
Oalllll /~ dayof f)JL, If/tit '. bcfoJe:~,)lhe uaderslped., I NOlIIY
Public iD IIIlI for llid Coualy, penoIIlllpPpatllll -r: . OJ) N1. Ii}d /e,l'!../
-r;:<p~h 6 mdle.e. of' VN<OI7Y1 I" , . .',
-.J~' " . md lICImowl~ar411lc exeeuIIon of1llc fO~,.~,
I . ,~....' "r I
Wi_mybllllllllllol'1icillleal. /j,~' . /I '.(.>\ .:.',.,,, " .-,
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NOTARIAL SEAL
GAIL L CAllEY, Notary Public
HanfsbuID, Dauphk: County, PA
My Commission Ellplres Nov. fS. 1999
.....-n..AIftA......................... M_lINI..-M .....u.....,
--
..... 70t7
1,.oJ ,-UI.'
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"U.ld':J
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.--. -- -'-
-.
ADJUSTABLE RATE NOTE
I hereby certify that this is
II true a.nd correct copy 01 Ihe
./J,onglnatdoc~ume ~
P/I'k-az
,
(LIBOIl' MoadlIlld8x (AI PlIbUIIIed Ill'l1le W8Il St....1_1) " RIte C...)
LOAH NO, 19104056
THIS NOrE CONTAINS JlI\OVlSIONS ALLOWING FOR CHANGES II'f MY 1NTEJIEST RATE AND
MY MONTBLY PA.YMJ!NT. TBIS NOTE LIMlTS THE .\MOUNI' MY 1N'I'II:IlEST RA'Il!: CAN
CHANGE AT ANY ONE TIMJ AND THE MAXIM1.lM RA'Il!: 1 M1lST PAY.
DBClDIlIB1t 11, 1998
LINCOLNSHIRE,
(ClIy]
II.
(-.
26 JIU'f P:mB S'l'DBT
MOUNT BOLLY SPa%N, PA 17065
~-)
1. BORROWBIl'S J'IlOMISR TO PAY
III relUm for 81011I WI! haw seceMd.. ! prolllile to pay U.S. S
"prilleIpaI"). plus iJdenal, to the order of 1110 Laadar, ~ I.eDder II
J'IDBLITY HOllTGAGlI DIICIS:l:OHS CORP,
AN ILLINOIS COJtPOllATION
55,800,00
(11111 llIIICIIIIIl i. c:aIled
I \UIderI18Dd lbal the 1Aadcr IIIlIY IrBlIIfcr 11I11 Note. Tba lAnder or enyOlle who lllka Ibll Note by tnIIIfer IIId ....0 Is
etIlided 10 r=ve payIIIeIlII under Ibis Nolll is called the 'NOle Holder. .
Z. lN1'ElU!ST
"-- wlII be cbaqcd OD \II1Plhl prlm:ipl1 UIIl11 tile fullllllOll\ll of princlplll bU bt:eIl pIId. I will pay u.at II I yeasty
raruf 10, 990 ,.. The 1_ r....! wUl pay may clIIqe lD ICCOllIaDce with Seclkm 4 of Ibis NoIt:.
'lbe InlCRSI rate IeqlIIncI by Ibis Section 2 and Secllon 4 of dtla Note i. tile rate ! will pay belli before atId after my dcfaule
described III SectlDn 7(8) of dll. ~ote.
3. PAYMENTS
(A) TIme lUId l'IIcll or ...,...
! will pay principal aad lDtetul by IlI8kIDI payIIICIII8 avwry 1lIIlIIlllI.
I wlII maD lIlY 1IlllIllb1, pymIllII OD dIa 23aJ) of ea:b lIIOIllb bqlmdq.... JANUUY 23, 1999 .
I willlllltC IbcIe p~' r:wry DIOIl1h 1IIIIl1 J haw palclllll of the priDclplll aad iDrcn:lt IIld IDy other cbar&n doIcrIbaI
below chat! may awe IUIdat' dJlI Note. My lIlOIIlb1y payllIIIIlI wiD be applied to IntenSe before pJlal:lpal. If. OD
DBCDlBBIt 23, 2028 . J I\ill awe _II UIIIIu dlls NOle. J wiD pay thollllllllOllDlS in fuU OD tbal
elate. which il called the 'MlINrity DIle. ' .. .
I will make lIlY lIIDIIlb1y paylllDllll at
300 '1'll.I-STA'1'II :D1'HRNATIONAI. STB 200, LINCOLNSaIRB, J:L 60069
or III a dlff_ palf tequlrecl by tba NOIll HoJcIcr.
(8) ~ e' Mf IalCl8J MOIItll11 Pa1DI-
BaoIt of lIlY iIIItIo1l11ll11l1l1y pay_II will be in che IlJIlIIIIII of U.S. $ 626,14 . TbIs amount may cballge.
(C) Moadd)' ...._ C....
CbaDsea in my -"ly pII1llI8lll will rcfIecl chlllpllll thl Ullp8icI priDciplll of lIlY 10llll1lld In the lntcmt nu tIw ! ......
pay. 'lbe HOle Holder will cIetemllae lIlY _ Itmnest nle IIIlI the cha&ed amount of my IIlOI1J/1ly pII)'- III .-rdmoe with
Sectioll 4 of dlls Note.
4. IN'I'EDST RATE AND MONTSLY FA YMEI'IT clIANGES
, . " 9,.
(0\) ClIInp DUe .
Tho inllltl:Il rile I will pay IlIII)' Cheap 011 DBCllllBD 23, 2000 , IlIII 011 lIIal cl.ay
CYCI)' 6th llIlltIlh 1bcrafler. ElICh dale OIl wllldt my adjlllllble illlmet rata could cl\Illp is called a 'CIJall&e Dale.'
(8) 11Ie ladex
BepudDc wl1ll1be tint Cltanp Date, IllY Illtelllll rlIle will be bued. 011 III 1llcIu. The 'Illdclt" Is tile awrage of illlarblllk
olfaed rat... for 6111Ol1lb U.S. dollu-<leDamillaled cIepaelu ill dao LoIIdoa marIra ('U80R"), II pu\lllshed Illllte Wall SrrNI
JDllmsl. Tho most recent IDcIa ftpre 8vaiJlble II of the flM buslneIl day of the monlll IllIIIIedIately PRCedillIIhe IIIOIllh in
which the CIIIIIP DIle ........ I. called the 'CWna1lndex. '
.f the lndel< la no lODger avallable. IItCl NOlll Koldt:r will cbaoIIIl a new lllcIe. Ibll II bOIed upon CXllIIPanbl. iI\fonlIIIlon.
The Note Holder will give 1110 lIIIIlCC of Ibis c:boic:a.
MULo11ll'Aft ADRIII'"...U,1I:IMnS-UICIII."......... (AI ~ ...1'1Sw.uL....., 10UIIffA\
........ -
Pqo I 013
1/11111111111111111111111
I tl123 20888"8770.... 2129211
v
J.-=.' J.o,:Jo
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_-.-- ~ ---
NO. 129
1;>10
--
(C) Calculldlan of Cbanpo
Befate w:b c:IIaI1&e Dale, \be NOlll Holdet wUl C3leulaID IllY Ilew iDl.....t rate by addillC BXGH'1' AND 04 I 100
. pcrceiltase 9Olllt(l)( 8,040 ") '" !be CumIll 1Jldcr.. Tho Note
Halder will tbca rDlIlld die .-It of dill odcIitlOllIO \be _!It 0DD-elP\b of OIIe perceDlIlIo poilll (0.11511). Subject to the
llmils .rated ill ScellDIl4(1)) boIow, Ibis r01IIlIIcd _t will be lIlY _ 11I_ melllllil tbc neXl c::IwIae Dale.
Th. !,/"", Holder will ~ d&IenIllBa tbc IIlIll\JIIt of the DlO1IIb!y paylJlCllt tbal woulcI be auffIc:ieIlI ta n:pay lbe IIIIpIld
priIlCIp. dalllam DlI(lCCled \D owe 11 the 0WIgD Dale ill full OIllbe Ml1ur1ly DalD 11 my new iIIr<ftIl me ill lublllIIIli8lly oquaI
paymems. Tho resull ahllll calculation will be the lUlW IIIIOIIIII of my lIlO1lllI1y paynu:nt.
(D) Limits DD IaIlenat Rate Challl-
The ill_I rat. IllIIl ftlqIIi1cd to pay at the tllIt Clumao Dale wlllllOl be IIUlOr IbID 13 . 990 II or len
lhm 10 . 9 90 ,.. Tbereaf\ar, my iIlterosl rate willnav"" be iDcteUC4 or dccRaIed on lilY sinale Cb...,. Date
by _1II111 0Nl!l pen:cnll&C polllt(l)
( 1.000 II)from lbe rate of ill_I bave bcctt paylDC for Ibe pRCedlng 6 IIIOlIW. My
illlett8t rat. will aeverbe peaterdnm 16.nO ",norleulblD 10.990 II.
lEI EltediYe Dal& of CIIllDpI
My n"" iD_ rate will bocmDO cfl'ecllve 011 each CbIIIp DIle. I win pay lb. IlIIOWIt of my IIllW ltllIDIb1y payn=l
begianillg 011 !be tint """,dIIy paymenl dale o1let' !be Cbaqe Dale Illltllthe amounl of my lIIOIlIhly paynu:DI cbanga again.
(F) 1'loIke of C......
The Note Holdet wm deliver or ltllIiIlO IlIIl I lIOlice of lIlY chIllgeI m lII)' mtcrosl rllC me! !be aDlOUDI of my lIIClIIIbly
paylllOlll before Ibo offrdI'Ie date of :my chaDlC. Tbo aotk:o will lIlclude irlformatioll required by law to be ciVClI me IIId ma
!be celepbou IlwDbor of I ......... wbo wUl llllwet lIlY qllCllicm IIIIlI)' have ""prdillC lbllllOtice.
S. BORROWER.'S ltlGH'l' TO I'JIEPAY
I have the r1gbl to IIIIb pay_ of principal BlIIIY lime before IIley are due. A pay- of priaclpaI ollly Is knuwD IS I
.prepay......l. " WIleD I mike I prepaytIlIlDI. I will 181I tbe Note Holder III wrItlllllblllllll dolDlllO.
IIIIll)' maD I full ~ayllllllll or panill ~ withom plIYIlllmy pn:pay- cbarF. The Neu Holder wUl ... 011
of my prqIIIY1IIOIItI 10 !Cd..... ..... lDIICl1lDt of prlncip. tbIll owe umIer lIIII NOlD. If I maD I partial prepaymenl, tbBte....U1 be
IIIl cbIIlles i111bo due dllCS of IllY mollthly paymeutllllllallbe Note Holder agrees ill wriliDg 10 lh_ cblllgCl. My plltlal
prepayDlCllt may reduce the IIl\OlUII of my mouIIIIy paymencs after the Jim CltaDgo 0110 followllla my partial prepaymau.
1Iawover, any reducliOIl dlIe '" my partial preplylllCllt may b. offlel by III iIItoreIt rate in__.
6. LOAN CIlARGES
If a law. wlIlcb appIlNto Ibls loan md wIdcb _ IIIIltltllWlt IoID dlIr.... IIl\DalIy tmerpnlCd 10 tbalthe iDIelest or DIber
1018 cbJrgel collected or 10 be collected ill ~ w11h Ihlllolll l1eood lbll pormitred limIu, ......: (I) any aucb tOlll c:IIatSe
shill be reducecJ by lite _ doccuary 10 reduce tba c:barp 10 lito pormlu.d limit; IlICl (II) any lIIIIIII alreldy ""nllCled frolll
me wbIc:b excoaded permittallimlll will b. l'tlfwlded to 1Dll. The NOI. Halder may cItooae to make tbll muud by roduciDl the
priIlCIplll owe under Ibls NOlIl or by makiDg I direct payDICIIlto 1Dll. If I rofuud toll_. principal, the roducIlOIl ....U1 be tleIIICd
as I partial prepaymenl.
7. IIORIlOWER'S FAlLtlRE TO PAY AS REQtlIRED
(A) L.t. CbuItI far 0nnJue JIlqmonII
If the Note Holder baa DOl: tOwd die fdllllDlJUDl of lIlY IIIlIIl1b.Iy pl)lllllllll by the end of PXPTBIIN caJendIr dayl
after the dale It II dlIe, I will pay a 1... dlIrae 10 ibi "Hale Haidet. ". IIIlOUDl of the eblrp will be !I . 000 " of my
overdue pay_ of princlpalllld iDtereot. I will pay rblllale clwge prtlltIIlIly but ODly 0Ill:C au cao:lIlIl. payJllClll.
(B) Default ..
If I dO 110I pay lite f\Il1lD1OW1t of cadi moDlbly paylDlllll 011 tile dale it i. due. I will be ill defaull.
(C) Notice of Default
If 111II ill dofall1t, lite Noc. Holder IIIll)' seud IlIIl I wrItlCll IlOllcc telllIl& IIlll tbal if I do IlOl pay the O"erdue IIIlO1DlI by ·
cmaiD dill&, Ibc Nate Holder may nlqUil'tl1llD tll \lIlY ittllDCdlaIely tbc tbllllllCllllll of prlndpal thII baa not beeD palcI and alI1he
I_t that I 0Wll oa tballlllllWlL 'I'bll_ 11IIIII be 11111I1 :lO 4ays after tbc dale 011 which 1he Dalice II deliwnld or lIlIiIed 10
ma.
(I)) No W"_ By Nol8 BlIIcIIr
EVCII if, 81 I tltDll wbID I lIIII ill 4efmIt. tIul NoIll Holder doeI DallOqUire me 10 pay l1DmaIilJdy ill full II deacribed aba~e.
lb. Noco Holder will atIII ....... tIul r1gb1lO do 10 If I ... ill defaullll 11- time.
(Ill "JIB- of Nata ......'. ClllIU IUIIlIlqlaaRl
If !he Nom Holder baa requI\.lllIlIllllO pay illlDlldillCly in f\IIlu daCribed above. Iho NoIll Holder will have lito riallt to be
plid bad< by IIIC for 011 of illlXllll'lmd ""JlCf*I ill euf0rciD8 thiI Nate 10 the elIle1lt DOl prohibited by applicable llw. "!bose
opellBCS 1DcIwIe, for eumpIe, ttlUonablell\tmlCYl' raes.
8. GIVING OF NanCBS
Uelen appIieabl. law roqaIrea I dlffereDt melbod, my IIOClce tbIl mual be livCII 10 lIID uader lIIi. Nate will be glVCll by
deUverial II or by lDIIili1l& II by ftn! 01... DlliIIO me II Ibo PropDrIY Addreu lboY. or 11 . dilletollt 1IlIdr... if I &lve tU Nare
Holder a l1Oti<o: of my dlffa8m ;MkIreaa.
lIlIIeu !be NoIll Holder lIlIIulrM a dlffmeDI DIIllllocI, my lIOIice IIlaI mual lID giWll to tIul NOIe Holder under dais NOle will
be glWll by tIIIiIilI& II by fin! clan lIlIiI to lb. Note 1I0lder IlIbe addle.. Ilaled in SCClIoD 3(A) above or at a dilfersl addroaI
If I "'" glVCll . I1Olieo of lbllt diffJmlnl addrea.
IIULfta'A. AANrI'A..UftlfCft'l......ltlCCIfIInI arep (AI.......JII,. wAU.1"I"IS'r JOU""U
----
Plp2of3
~
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. 'ILl '--Ul\r' -, I J. I l..Jl ,'"d~
NU.l2':l
-..--
'.--
~. OBLIGATIONS OF PERSONS tlNDBR THIS NOTE
II _ Ib... oqe pelIOD stps ibis Note, each penClIIlllulIy UIli penoIIIIIy obUpted III bop all of die pI'IImbelI nwIa iD
ibis NOlO, iDeludllla die promiJe III pay die fDIll111D11J1l owed. """ pertm wIIo III BIIItIIDlOI', sumy Cl1' llIIdorIa of dIiI NOle Is
..... oblipla:l to do !baa 1bIDp. """ penotI wIIo llllcca _lheIa oblIpIlDtIa, iIlcludllla IIIe obl\plioM of · psmmor. aumy
or eadaner of Ibil Note, Is at... obllpald \tl bop all of lito pmmbell made ID lid. NCll& Tbe NOle Holdar IDlY CIllo"" III rilhl!
U1ldor lbit NlIIIl opltlll each panIIItt lDdlYidul1ly or acalalt ItlI of.. toptbcr. 1bl.1IIIllIIIlI dw my one of UI IDlY be tIllUlnd III
pay oil of the _. owed uo4u ibis 1'1010.
"
10. WAIVERS
I IIld ...y elbcr penoII who bu oblipdmu ullder ibis NOID waMl Ibe l1atUa of prcItDIIIIODl IIIId IIOlicc of dlablmor.
'~If' IIIClIIIIlbc r11ht III nqIIire !be NOID Holder to dcmIIIli paymimt of lllIIlIUIIlI dna. 'Notice of diIIKmor' _ die
rigbt to requIm the NOlD Holder to am IIlIIIce III Olber perIODS that IIIIlOlIItlS du haw DOl bccD paIc1.
11. llND'ORM SEClIREll NOTE
ThIs NOID is . lIlllCorm iDIlrIImeIlt with Umlllld variIlIatII in _ jurIIdiclIaDI. In Idd1don to l1Ic protll:llCltllllvato lbe
NOlt: Holder WIIIcr dIiI NOID. I Mon..... Deed of Tnlal or SecurIty Deed (tbe 'SecurIty IDIlnImetIt'), dased cbc IIatIIII dllC as
dIiI Note, pl'lllIlClIlbc NOID Holder from pauible 1_ lhal mII\Il resulllf I do DOl!ralp lbe proml.os dill J mate ill tbla NOle.
Tbal Sccouity IIlIlrUItleIIl clacribeo bow IJICI UDder w\IIl concIitiOlll J may be RqUlnd 10 mate immediate paymeDt ill full of oil
lIDIOWIIS I awe uader lltil NOUI. Solll& of lIIote CODdllionlare dcscrlbecl u follOW.:
TntIlIfer or the Preporty or . Baeftd., lilt.. In 1larrInm'. If oil or lilY put of lite Propcl1y or I1lf'J Imcmlln
it i. IllId or UtlIIIfanod (or If I beIIef1dollJ\lelt:lllllllorJuMr I1IOId or traDIfm'od llIId Bonower II DOlIIlllllr.ll
pcnIIl1I) wItbow Lender's priOr wrItreD _. Ltmder may, II ill oplloD, teqabc ImmedlIlC paymetII in lull of oil
II1Il1S seemed by lbiI SllCIIrIty JaIlrumcal. H.........., lbiI option .boll DOl be -..led by Leader II exen:1Ie Is
probibiled by fedenJ IIII' . of !he dale of tbll Security JmtnmIeDl. Ltmder allO oball DOl Wn:lSI lhIs optkm if: (a)
Borrower _ to be Itlbatitla1 to I.t:adcr inforaWioD rcquin!d by LeIIder 10 cvallIIle tbe lDIendect tnasr- as If a
new Ioal were bciD& IIlIdc ta the lltllllferee: IIlId (b) LeIlder leUOlIIbly determillellbal Leader's securIly wdllllll be
imp&Ued by Ibe IClIIlIlltlDlplkm led thll lite riot of a bac:ll of IJl'J covCllllll Cl1' .pameDlln thI. ScctIrity JDmuIlllllI
is 8llCCplIbIe III J..cDder.
To die _ permitted by appUcable law, LtIIdet may cIw'ae Il'CIIIlIII1Ile fee as a COIldltlmllO J..cDder'. mDlCttllO
tbc 1011I wtltaptloD. I..nder aIao may requite the _fettle 10 Ii&D an assumprioll IIRCDICDI tIlat it aa:cptable II>
Ltmder llIId dill obll",1 Ibe II8IIIferee to keep allllle PlOmIaca 8IId qnIIlIIlIIlS made III the NOle IIId In this Security
1_. Ilorrowor will CDtIIimle to be obUllIed tIlIlIer Iho NOIll IIIId lid. SccIIrIty IrlIlnImcDl unlClll LcIIlIcr nl.....
SO_III writiD&. I
If UDder Cltmisel Ihi uplioll to require I-ill~ paymetII ia lull, Lender obaII live Borrower DOllcc of
acceleralloD. Tbe IIGlb sball pruvtde a pcrIccI of 1lOl11lll11lan 30 daya front tltc dIIIllbo notlec II delivered or mailed
w!tIIiD w111cb IlomIwcr IIIIIIl pay a111l11D1 secuncl by ibis SccurIl)' 1NIru1llCll1. U 8om>wer faila III ply lhose IIIDlI prior
10 l1IlIo"l'i>1lIOD of Ibis pcrlad. Leader may ilm>kc lIIIY l1ll1IClIIa perot!mld by tbII SecurIty (DlUUItICIll w11bout lIulber
lIIlIIec or demaad OG JIonower.
TRlS LOAN IS MADE 1JNDER 'l'S LAWS OF'l'S STATE OF PIDIII'STLVAJI%A . EXCEI"I' TO
'I'D EXTSNT PIIBEMPl'BD BY 1:1 V.S.c. /lIi'm1ON 1735F.7.~.,\\'II) THE I'EDIIlAL ALTER/'lATIVB MORTGAGE
1'JlANSACTlON PAJUTY ACT, 12 V.S.C. SEC110N 3100 BT SEQ.,'A1'lJ) THE RtILIS ISSUED 'l'RIREUNDER.
Im,..- Nallce !AI Bot'l"DW8r. If you do not meet your COllInd obl\ptlcnli. 'You IItlY 1010 your hoUIe.
WJTNssS';;- HAND(S) AND SEAL(S) OF THE UNDEJlSIGNBii:1~ C pi
~101;. a::.~
// ~
// .
(/ '.
(Sell)
...-
0uJti I1l !!J ~
~TB II, IIILI.D
(Seal)
.-
(SIlII)
....-
(Sell)
--.
fStrlS Orill"'" Only)
JIVI,'ftftA'IS l\DIVI'I'MI.&MTKHDft.utaa.Mamt'..... (AlJlHUIDD""'''AU.nan'I~
........-
....3at3
(;111
-../e
;'-rI.!tebY carmy that thl. i.
ue and Correct copy ot lhe
OnglrlSl document. .
9~l'a~
Lolli Number: 19104056
NOTE ADDENDUM
(BORROWER'S BIGHT TO PREPAY)
THIS LOAN IS AN ALTBRNA1n'E MORTGAGE LOAN W111DN THE DEmll110NS OF
THE ALTERNA1'IVE MORTGAGE TllANSACItON PARlI'Y Act 011' 1!112
THIS NOTE ADDBNDUM II made ibis 18TH clay of DBCBMBBR , 19 9 B , ;md II
iIll:mporaled Into 3IIIIlball be deemed to IJIICIIci and l1IppIemCIII tbc Nole, !'hell Rate Nale, Adjwlable RIle NOle, Of 1la1100D
Note macIe by Ibe WIlIeniped (lbe "1lomJ\Yer") in favor of
I'%OSLITY MORTGAGB DIIlCISIClfS COltP
AN ILLINOIS CORPOM.'l'ION
(die "l.oIlda") aIll! daIe4 II of eveII da\D bImoitb (die 'NoIe'). 1be iDlaal fI/A! IlIIed 011 die Note II called the 'Note Rate. .
1be elate of die Note II ca1IecIlhe 'Note DIle. '
J (dll: 1lonvWc.t) wldenlaad die Leader IIIll)' lrIllIfer die Note, the related Mongap, Oem of Tl1IIl Of DalIla SllCIIfC
Debt (\be 'Sel:urity 1DatrumaI1') 1llIl1b1. Addead1llll. 1be Leader or myone who laka the Note, SecUltl)' IN\nIml!aIlIDlIlhiI
AddmcIum by IJDnafer aad wIlo II eIltllJed III rays paymeDIJ Ullder the NOle II caI1cd the 'NoIe Holder. '
AJIDmONAL COVENANTS. In acldilllll\' 10 !be covelIIlIh lIIlII ~ In die Security 1nl\rIIDIeDI, IIomlw<r IIIId
Lender furIlIer ~ and ....... u eon"",. (deapltc anytblDc 10 Ibe comnry contained in lb. Security JaatrwDelll or \be
Note):
BORROWER'S ItIGIrI' TO PREPAY
I have the rlghllO makI: ~ of prlncIpol .11Dy time before they lie due. A prepayllllllll of prlDclpal OIIIy il
laIown II a 'prcpllYDIIIll.' WheIIlIIDIh a prop_I, 1 wII1 tell die IIIlle holder ill wrItIq IhaIIIIII doing 10.
U ImakI: a Pl8Jlaylllllll1 of priDcipaI wIlbiD TWO YelP of the Hole Dati:, J ape 10 pay a l"ojlojbolllll
paWl)' (UlIIua othcrwile pfllhjblr84 by 1,90') lbIIIla compllled II roUo,..:
J'IV!: Pc:rccos ( 5 , 00 ") of the IlIlOIIlll of \be pnpoyllWll If prepaid durbIc IIIe I\nI yem: from Ibe NOl1I Ollie,
FtvE I'en:eDt ( 5 . 00 ") of \be IIII01IIIt of lbe prIlpI)'IIIIIlIlf pn:paId cIIIriII& Ihe ICCOIld year from the Note Dare,
N/A Percan ( - 0 _ ") of rIMi IIIIOUIll of Ibe prcpaymau If prepaid clIIrlDg \be chlrci year from dac Note Date,
RIA Pereem ( - 0 _ ") oftbe IIIIOlIIl\ ofllle prepaymatlllprepald dllrlDa die founh year from Ibe Note Date, IIIId
N/A Pen:mt ( _ 0- ") ofllle IIIIOUIll ofllle prepaYDlCllllfpn:p~ ciuriD& tbe.flfth year 110m the NoIe Date.
III Lender', option. my ~ pcaalty III8l' be ...lJeclecl at the time of my papaY- Of at Ute lime filIa1 p~lIIl!nl is
dIla.
BY SlGNING BELOW, Bonuwcr accepts IIId ecm:e 10 the _1IIId coYplIIlils c:omaIDelIlD lhiI NOIe AddcncIum.
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I hereby certify that this is
a true and correct copy of the
original document
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ADJUSTABLE RATE RIDER
(LlBOR 6 Monds Jnda (As PubIIII1cd IJI Tbe Wall Street JGumaI) . Rate Caps}
LOAN HO. 19104056
THIS ADJUSTABLE RATE RIDER is IlllIlIe Ihia 18TH day of DBCBDBR, 1998 ,
aod is iDl:orpoI'Ifed into aad shall be cIemned 10 aramI met aupplClllllDt lba MortpgD, Dc:cd of Trust or Security Deed (die
, sceurity IDJtI'ument') of lhc 8ll111C date liven by lbc uuderligud (the 'Porrowcr') 10 secure Borrower's Alljastabk: Rate Note
(the 'Note") 10
FIDELITY MORTGAGB DBCXSXONS CORP,
A1f XLLDlOI:S CO!lPOM'nOB
(the 'Lender") of the same date IDd covcrin8 tlIe property deIc:rlbed in the Security fDStrWI1CIIl ancllocalCd at;
26 ~T ,DIB S'l'RBB'l'
KOUN'1' KOLLY Sn.D. PA 17065
[PtopcilY AllClnul
'l1IE NOTE CONTAINS PaOV.SlONS ALLOWING FOR. CHANGES IN THE INT.EllEST UTE
AND THE MONTHLY PAYMENJ'. THE NOTE LIMlT8 THE AMOUNT 1'IIE BQlUIOWER'S
INTEREST RATE CAN CHANGE AT ANY ONE TIME AND TIlE MAXIMUM RATE TSE
SORROWER MUST PAY.
ADDlTIONJ.L COVENANTS. III atltlldml to !he covemmtllllld ~ made In tile Sa:lIrity 1DstrumeDE, BOIrlIWCf
met l..aJder furfber coveaaat aad apec u foUowa:
A. INTEREST RATE AND MONTRL Y PA.YMENT CHANGES
The Note provides for ID lnkiallnterat rate of 10 . 990
rate IItIcl the monthly payment8, u follows:
". Tbc No~ provides for c:baDpa ill tlIe Interest
<t. INTEIlEST RATE AND MONTHLY PAYMENT CHANGES
(A) Chaqe Dates
The infCRSt rate I will pay 111II)' chanJc aD DBcmmD 23, 200 ct . IIDI1 au tbal day IlWIY 6 ~
month thereafter. Each dale Oft wllich my iDferc&t rare could cbaDge is Cllted .-"ChIDge Dale. '
(B) The ladell .
BogimUDg with the fiI'lIt Chuae Dare. If'l/ intacst tile will be bued on In 1Ddex. The .Indclt' is the avet1lge of inCerbmk
offered rares for 6 lIIOIIlh U.S. doUar-clcnoD1llWed dcposill ill l.I&e LondoD matkeI ('LIJH)R '). sa published ill TM Wall Street
Jounud. 1be most recau IIIdr:x figure available .. of tlIe tint buaineSI day of the month illllDOdiately precediD& the molUh in
whim the 0w1ce DIU! occun i8 CBlled tile "CUIrc1t hula. .
If the hula il DO longer awUable, the Note Holder will cbooIe a - Index that is based upcm comparable information.
The Note Holder 'Pill aiw me noW:e of thia choice.
(C) C*,,11IfImt or CIIaD&C8
Before ead1 CbaDp: Date, _ Note Holder will calcu18te my new iIIlenSt ra by IIIdiD& Jillcarl' ARC Dol I 1DO
pen:eDUlPpoiDt(l)( 8.040 ") [0 the Cutmtt buk1. The NOIe
Holder wlll then round the result of thl8 8dditiDD ~ the aeuelt QDHigbdl of one pm;elIIaF poinr (0.12'''). Subject 10 die
limitl awed in Section 4(D) below. this rounded IIIIOUIIl will be my DtlW inrcn:at raIe unnlllle next Chqe DIne.
The Note Holder wW t\leII dt:!m'lIine tbe aumunt of the lIIODthly pll)'!DCll1 !bat wOlJld be suftlcicm to repay lbe unpaid
prillclpal that I am expected [0 awe at the Chanp Date in full on the Maturity Dare at my ~ inUlre5t rate ill IUbSUDtially
paym=tl. The mult of !his calcolation will be the IICW IItlOIIDt of lIlY momhIy paymom.
.lVIJI'....A'J1I_AlILIllU.T& IUlIEa-L~'1l0'- (AII1'V\IL1IIIIlD1N-nm WAU._IOWNAIol' _-- -.. u__
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NO. 129
(0) Lind" on IDterest Rate CIUIIIplI
The intcrc8t ram I am required to pay at die first CIw\p Date wUlllOl be peatCf thm 13 . 990 'I or leas
tlwl 10.990 S. 'J'IIareafter. mJ intere&t rate wiD DCVer be ~ or da;reaied OIl my single Chmge DIIe
by more tban ONE perccmage poillt(s)
(1.000 ")fIomthcrateofintereSlIhavebcaapaylD&fordlop~ 6 lIlODtbs. My
inteJeSt ratc wUl nCYCl" be greater th.. Ui . 9 9 0 5 I IIDt I_Ibm 10 . 990 " .
(E) Eftl!Ctive Date ", ChanllS
My DeW intereSt rate will bcc:otDe efhc:tive OD cad1 Clum&e Dileo I will pay the amount of my new montblJ payment
bcciluliDg OIl the fint 11IOutll1y paynlllDt dale after the ClaDge DIIe wUil the amowu of my monthly payment c:bmJes apin.
(ll) Notice 01 CblUCfS
Thc Nare Halder will deliver or mall to 11m a aotic:e of any c:II.uIgeS \11 my !ntmest ride and die amolllll of my mouth1y
paymmt before the effective daCe of any cIIazI&e. the DOtic:e wW iIlclude infonIIaf1on required by law to be pveo IIU: and also
the telcphOlltl Dumber of a penon who -will llDIWllr my cpIeItion I may bave reprdq the DDticc.
B. TRANSFEll OF THE PR.OPEllTY OR A BENEFICIAL IN'I'ItllEST IN BORROWER.
UnIform Covenant 17 of !he Security JnstrumeDt is ..........P1I to read 15 follows:
TnDSfer af the Property or. BenefIdaIlm.ett ill Borrow... If all or any pan of the Property or all)' interest ill it is
sold or trlIIISfene4 (or if a beIleflcial intenst in Bonower is BOld or trBDIfomlcllllld Bonower Is DOt a narural penon) witbOllI
Lender's prior wam cotIIeDl. Lender may. at its option. require iJDmedillC paymem iD full of allllllllS scc:ured by IhIs Security
lDsIrument. However. !his option sball tIllt be eun:iscd by IAI4er If eumsc is p1'Ohibital by federal law IS of dle date of IhIs
Security JnstnJ1llClll. Lender also sbaIJ 1lOt eelCisC this opUon if: (a) Borrower causes to be subJllittal to I..eNler iDforawlon
n:qGired by Lader to eva1uBte the in1mdcd lrlDlIfa'eC 811 if a DeW loan were being JIllIde to the ttllllfcrce; apd (b) l.euder
nwouably determines Chat Leader's security' will DOt be impaiJ'ed by tbeloanllSSUlll(ltiOD and 1haC the: ritk of a bnacb of any
covCll8ll1 or agreement ill this Security IIISUUIMlIt is aa:eprable to LelIder.
To the utCDt permiued by applicable law. Lender may charBe a teIIIOnable = Ii a c:on4itioD 10 Leader'. consem to the
loan IIIIIl1IIPtion. LePde:r also may require the ttIl1IIferec to dgn an 1&1II1l1ptiOll acreement Ihat i. lIIXllptable to T.cndcr uu1lbat
obliglleS the IrlJllferee to keep an !he promises aod ~I made In the Note IDd in this Security InsUU/IICIU. Borrower will
contilwlllO be obllpuxllll1de:r the Note md thia Sa:urity IDIIUIIIDl!Dt UDIea lAnder releases Borrower in 1IIritinJ.
If Lender euu:iaeI the option to require i1DJ1lell11lt8 payment in full. Lemler shall give Borrower I1Oti<:e of accelendoll. 1111I
IlOdce sUll JIl'O'Iide a period of not leu thuI 30 cI.aya from the daUJ the notice is delivllted or 1IUIiled wlthiD which Borrower IINSt
pay all SWDI ~ by thi, Sccurily I~t. If Borrower faill to pay tbe&c: sums prior to the expitaticm of !his period.
l..crIder may InvolalllDY lIllP""\i<ot perIl1lUed'by this Secarity IDstr\llllllllC without fUrther IUJtice or demand on Bomnve:r.
BY SIGNING BELOW. BotmWer accepC$ and agrees to the tmISI SDd covetW118 ~ned il\ this Adjustable Rate Rider.
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Gl20
PO Box 1900
Ha1OOro PA 19040
WESTERNII@
UNION
.......tn. Servlcel
Janua1Y 18, 2002
..*.**********..**.****.***.S~GLE-PIE~
JOSEPH MILLER
JUDITH MILLER
26 E Pine St B 242<1
Mount Holly Spring5, P A 17065.1413
1,"11 111I I I 1"" I 1",1,1"" I I ,1.,111,1 1"11,,,1,1 .11",1 ..II
~E: Loan No. 2068898770
FROM: Fairbanks Capital Corp.
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGmLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOU HOME FROM FORECLOSURE AND
HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
IF YOU COMPLYW1TB THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACI' OF
1983 (THE "ACT"), YOU MAY BE ELIGmLE FOR EMERGENCY MORTGAGE ASSISTANCE:
IF YOUR DEFAULT BAS BEEN CAUSED BY CmCUMSTANCES BEYOND YOUR CONTROL,
. IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND
. IF YOU MEET OTHER EUGmILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING
FINANCE AGENCY.
r:ONSUMER CREDIT COUNSELING AGENCIES - If you meet with OM of the collS\l1ller credit counseling lIl!encies listed at the end of this notice,
.he lender may NOT take action against you for thirty (30) days after the date of this meeting. The names. addresses and teleohone numbers of desil!llated
:'I)nsumer CIedit counselinl! al!lll\cies for the countrY in which the 1lI'ODertv is lDCated are set fOt1h at the end of this notice. It is only necessary to schedule
""e fac:e.to-face meeting. Advise your lender immediatelv of your intentions.
!\PPUCATION FOR MORTGAGE ASSISTANCE - Your mortgl1ge is in defl1ult for the _us set forth later in this notil:e. (See fo1lO\ving pl1ge& for
'':lCCific iufonnation about the nature of your default) !fyou have lried and lW unable to resolve this problem with the lender. you have the right to apply
lbr fimmcia/ assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so. you must fill out, sign and file a completed
j-lomcownel's Emlll!lency Assistance Program Application wilb one of the desigtlllted conswncr =dit counsalinll agenc:ies listlld at the end of this notice.
Only con.'IUII1e1' c:redit counselinll agencies bave applications from the Homcowner's Emergenc;y MOrlllUIle Assistance Prosmm. They \vill assist you in
"ubmitUng II comphlte application to Ihe Pllnnsylvanill Housing Finance Agency. Your application MUST be fillld or postmarked \vithln thirty (30) days of
: 'Our fOCll-to-face meeting.
yOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAlL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME
PERiOi)SSET FORTH IN THIS LETrER. FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR
APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED.
AGF.NCY ACTION .I\vnilublll fund~ for emergCllcy mortrm!le IlssislulICll UJIl \'L'fY limitlld. 111l:Y \vill be disburslld hy tllll AgCllcy UndL'!' the eligibility
r.rit..'lia established by tile Act TIIIl Pennsyl\'llI1ia Hou.~inlll'inunCll AgL'Dty hus .'liMy ((,0) dll~'" to mokell decillion uflL'I" it r.:clli\'l:.~ ~'nur u(l(Ilication. During
111111 time. notorllCll>>lUIIl prc:x:o:cdings will be purs\ll:d Ilgninst you if you hUVIl metlltll time rllquiro:m",nL~ setlbrtll u\1<1\'O:. You "ill he notified dirc.:clly '(1y
lite P"'1U1'-yI\'uniu Housing Fil1l1llCll Agenc\' ofits decision on \'our 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 DEB
(1F~nu bavr IiIed b.nlll"upl~' ~nu can ~tiU appJ, for F.me~ :\lDrIRa~ ,\...isla
2t16R898770CCtllJ.
HOW TO CURE YOUR MORTGAGE DEFAULT /Brim! it UP tll date):
NATUREOFTHEDEFAUL~
'1 b~ Mnrl:~age ,kilt belt! by the above lcnt!er 011 )'our pr"'l~rt\" l..ral~.1 at
21> !',\!{f PINE SlREET
MOlJN f ((OI.LY SPRING PA 1711/)5
IS SERIOUSLY IN DEFAULT bccaw,-e:
YOU HAVE NOT MADE MONTHLY PAYMENTS for the followillS llIonth~ lUld the Ibllo\\1ng amounts arc now pa~t due:
Totul Paymenls Due:
Late Charge~:
Recoverable Borrower Fees:
Escrow Advances:
Other Fees:
Less Amount Suspende<l:
Total Amount of Delinquency:
:&2240.25
$551.32
$0.00
$0.00
$65.94
$12.25
$2845.26
HOW TO CURE THE DEFAULT - Yon llIay cure the default "Ithin tl,irty (311) days nnhc datc ofthis 1I01lce BY PAYING THE TOTAL AMOUNT
PAST DUE TO THE LENDER, AS NOTED ABOVE. TOGETIIER WITH ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH
BECOl\-IE DU E DU RiNG Tti E TIlIRTV (30) DAY PE-lHOU. I 'al ,al'uts 1Il~'" h.: !~~!!Ii. either Ill' .~>I"l~'''!lil'I'~ dleck. celnlie.l chl~k or lIl0llCV order
)u>1de \lavable 1111.1 scnt to:
The Loan Sen1c1nll Center
RemlttllDce Prucc~~inll
P.O. Box 79157
Phoenh. AZ 851162
IF YOU DO NOT CVRE THE DEF AUL T - If you do NOT cure the delimit \liUl in TIllRTY (30) DAYS orthe date of this notice. the lenUer intends to
exercise its ri!lht~ to nCloclerutc the mort~e debt. This means that the entire olltstlll111ing balance ofthis debt \\ ill be considered due inmrediately and you
may not lose the chalice to pay the J\\ortguse in monthly installments. If full payment of the totalamounl pust due i... not Illude within THIRTV (30) DAYS.
'he lender nlso intcmls to instruct its attorneys to sllu:t legal action to fhredo<e Ullon your Mortaa!!:ed Dropert\'.
IF THE MORTGAGE IS FORECLOSED UPON - The mortgased property will be sold by the Sheriff to pay off the mortgage deht. Ifthe lender refers
YOlrr case to ils altomeys, hut )\)u cure the delinlluency hefore the lemler begins legal proceedings against }l>ll, you will still be re"uire<l to pay lhe
reasonable attorney.... fees that were actually incurre<l. up to $50.00. However. if legal proceedings are started against you, you \\iIl have to pay all
reasonable altorney's lees actually incurred by the lender even if they excee<l $50.00. Any attorney's fees \\i11 be wlde<l to the amount you owe the lender,
which ma}' also include other reasonable costs. Ih'ou cure the default within the TlDRTY (30) DAY period. vou will not be reuuired to DaY
attome\" s fees.
OTHER LENDER REMEDIES -lhe lender may 11Iso sue you personlllly for the lmpaid balance and all other Slims due under the note.
RIGHT TO CURE mE DEFAULT PRIOR TO ~lIERIFF'S SALE - Ifyollllll\'e not cured Ule dcfault within the THIRTY (30) DAY period and
fl)relosure proceedings have hegun. YOU may still have UUl ril!:ht to cure the default mid Pfat'cI11 the sale at anI' time UI) to one hour before the Sherin's sale.
V ou mal' do so bv oa.,.inl!: the tolalalllount then past due. olus anv late or other chllIll.es then due. reasonable attornev's Ic.:~ Wid cost connected with the
lon.'Closure sale and onv other eosts eOlUlccted with the Sheriffs sale os soecitie<l in \\riting bv the Icnder and bv llertimninll any other reQnirements under
the mortga~. Curing your default In the matter set forth In this notice will restore your mortRage to the some p,,<Il1on as If you hall never
defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimoted that the earliest dute that ~uch a Sheriffs Salc ..I' the mortgaged property could be
held \\'ould be approxlmatel)' six (6) months after the date oftbls notice. A nolice ofthe actual date or the ShcrilJ's Sale \I'ilI be sent to )'OU belore the
sale. Of COUf:ie, the omowlt neede<l to cure the detaldt will increase the longer you \\'oil Vou II\llY find out at any time exactly \\lIat the required pllJ.'l1lent
or Ilction will be by contacting the lender.
HOW TO CONTACT THE LENDER:
NAME OF LENDER: Fairbanks Capital COlp.
ADDRESS: P.O.Box 65250
SALT LAKE CfrV 111' 84165-0250
1-800-635-9698
(801) 293-2600
Angela Urrea
PHONE NUMBER:
FAX NUMBER:
CONTACT PERSON:
EFFECT OF SHERIFF'S SALE - You should faolize that II Sherill's Sale \\ill end your o"llership ofthe mortgaged property and )'lIur rigllt to occupy il
If you continue to live in the property alter the Sheriffs Sale. a lawsuit to remove YOlllUld your furnishings and other belonginss could be started by the
lender at this time.
ASSUl\IIPTION OF MORTGAGE - Y 011 may (with lender's written con~ent) sell or tronsfer your hmne to a buyer or tmnsleree who wi\lossume the
mortga:,~ debt, provided tbut alllhe outstllnding pa)llIents, charges and attomey's foxs and costs arc paid prior to or at the sole l1nd that tile other
requirements oftlle mortgage are satisfie<l.
WESTERNII@
UNION
.......lnl S.rvICH
YOU MAY ALSO HAVE THE RIGHT:
TO SELL THE PROPERTY TO OBTAlN MONEY TO PAY OFF 'lEE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER
~.ENDING INSmuTIONTO PAY OFF TInS DEBT.
., TO HAVE TFlI8 DEFAULT CURED BY ANYTElRD PARTY ACTING ON YOUR BEHALF.
TO HA VB THE MORTGAGE RESTORED TO THE SAME POsmON AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT.
(HOWEVER, YOU DO NOT HA VB 1HIS RIGHT TO CURE YOUR DEFAULT MORE 1HAN THREE TIMES IN ANY CALENDAR YFAR.)
TO ASSERT '!HE NONEXIS1ENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTIIER LAWSUIT JNS1ITUTED
UNDER '!HE MORTGAGE DOCUMENTS.
TO ASSERT ANY OTHER. DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH AC1l0N BY 'IRE LENDER.
TO SEEK PROTECTION UNDER FEDERAL BANKRUPTCY LAW.
::''E WOULD ENCOURAGE YOU TO CONTACT YOUR REPRESENTATIVE NAMED ABOVE TO DISCUSS OPTIONS TO
.: VOID FORECLOSURE. PLEASE CONTACT US AT (888) 818-6032.
.,. "lC!05UJll-PHFA HomeGWllen llmerzency Mortgago Assistanco Prosrnm Consumer Cr<dit Counseling Agencies
1HIS FIRM IS A DEBT COLLECTOR ATIEMPTING TO COLLECT A DEBT. 1HIS NOTICE IS SENT TO YOU IN AN ATIEMPT TO COLLECT
TIm INDEBTEDNESS REFERRED TO HERElN AND ANYJNFORMATION OBTAlNBD FROM YOU WILL BE USED FOR THAT PURPOSE.
ACT 91 NOTICE
TAKE ACTION TO SAVE YOUR
HOME FROM FORECLOSURE
This is on official notice that the mort!!o!!e on your home is in default. and the lender intends to foreclose. Specific information about the nature
of the defoult Is provided In the attached DDI!C5.
The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM /HEMAl) mav be able to help save your home.
This notice exnlains how the nro!!mm works.
To see If REMAP can help. YOU must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WlTHIN 30 DAYS OF THE DATE OF
THIS NOTICE. Take this notice \vlth you when yOU meet with counselln!! al!OnC\'.
The name. address and nlmne number of eon.~umer credit (OUnSeUD\! alleneles semn\! vour eountv lire listed at the end of this DOtlCe. Ifvou have
aDY auestlons, YOU mav call Pennsvh>nnia Housin!! Finance A!!encv toll free at 1-8011-342-2397. CPel'llons with Impaired hearln!! eon call
(717) 780-1869).
Thi~ noticu contllin~ legal infonnlltion. If you luIve any questions, reprll54llltlltives IItlhe conswnur credit agency IDlIY be ablu 10 hulp ell."lain il. You may
also "'aliI 10 conlllct an altomtl}' in your OI1:ll. Thulocul bar DllSociotion IDlIY bu oblulo hulp you rmd alowyur.
LA NOTlFlCACION EN ADJUNTO ES DE SUMA IMPORTANCIA. rUES AI'ECTA SU DERECHO A CONTlNUJ\R VIVlENDO EN SU CASA. SI
.1<) COMPRENDE EL CoNTENIDO DE EST A NOTIFICACION OBTENGA UNA TRAI>IICCION INMEDIT AMENTE LLAMANDO ESTA AGENCIJ\
(PENNSYL VI\NIA HOUSING FINANCE AGENCY) SIN CARGOS At Nl1MERO MENCIONADO ARRffiA. PUEDllS SER ELF.nOlLE PARA UN
PRTlSTAMO 1'OR Et. PROGRAMA LLAMAOO "HOMEOWNER'S F.MERGENCY MORTGAGE ASSISTANCE PROGRAM" h't. CUAI.. PUBOE
SAL VAR SU ASA DE IA PERPIDA DEL DERECHO A REDIMIR Sl1 HIPoTECA.
:.s:r.
APPENDIX C
PENNSYLVANIA HOUSING FINANCE AGENCY
HOMEOWNER'S EMERGENCY lVIl JRTGAOE ASSISTANCE PROGRAM
CONSUMER CREDIT COUNSELING AGENCIES
(lk".II,')'))
CUMBERLAND COUNTY
Adams County Housing Authority
09-143 Carlisle St
Gcllysbllrg. PA 17323
(717) 334-15J8
FAX (717) 334-11326
YWCA of Carlisle
301 G St
Carlisle. PA 17013
(717) 2.B-381R
FA,"{ (717) 731-9589
Community Aclion Conun of the Capital
Region
1514 OcrI)' St
Harisbury. P A 17104
(717) 212-'1757
FAX (717) 234-2227
Urban League of Metropolitan Harrisburg
N 6th St
Harrisbllrg,PA 17101
(717) 234-5925
FAX (717) 234-9459
CCCS of West em Pennsy1vannia, hie
2000 Lingletown Rd
Harrisburg, PA 17102
(717) 541-1757
Fin:mcial COllnseling Scr\'ices of Franklin
II West 3rll SI
\Vaynesboro. I' A 17168
(717) 762-32115
VERIFICATION
The undersigned, an officer of Fairbanks Capital Corp. the instant Plaintiff, or its servicing
agent, being authorized to make this Verification on behalf of Plaintiff, hereby verifies that the facts
set forth in the foregoing Complaint in Mortgage Foreclosure are taken from the records maintained
by persons supervised by the undersigned who maintain the business records of the Mortgage held
by Plaintiff in the ordinary course of business and that those facts are true and correct to the best of
the knowledge, information and belief of the undersigned.
I UNDERSTAND THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO
THE PENAL TIES OF 18 P A.C.S. SECTION 4904 RELATING TO UNSWORN F ALSIFICA TION
TO AUTHORITIES.
Dated:
J-(z;g /OV
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Name. / flif ' - ~r I-v-
Title: Foreclo~e Specialist
Company: Fairbanks Capital Corp.
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CASE NO: 2002-01530 P
SHERIFF'S RETURN - REGULAR
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
MANUFACTURERS & TRADERS TRUST
VS
MILLER JOSEPH B ET AL
RONALD HOOVER
, Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
was served upon
says, the within COMPLAINT - MORT FORE
MILLER JUDITH M
the
, 2002
DEFENDANT
, at 2120:00 HOURS, on the 10th day of April
at 26 EAST PINE STREET
MT HOLLY SPRINGS, PA 17065
by handing to
JOSEPH B MILLER, HUSBAND
a true and attested copy of COMPLAINT - MORT FORE
together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
6.00
.00
.00
10.00
.00
16.00
Sworn and Subscribed to before
me this 17 If:' day of
01';& :JD.o .:J.~ A. D .
qt~ () )w, DG, ,1.bL. <
othonotary , - r I
So Answers:
.r~~~<~
R. Thomas Kline
04/11/2002
BARBARA FEIN
By:
~2?~/
Deputy Sheriff '
SHERIFF'S RETURN - REGULAR
CASE NO: 2002-01530 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
MANUFACTURERS & TRADERS TRUST
VS
MILLER JOSEPH B ET AL
RONALD HOOVER
, Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE
was served upon
MILLER JOSEPH B
the
DEFENDANT
, at 2120:00 HOURS, on the 10th day of April
, 2002
at 26 EAST PINE STREET
MT HOLLY SPRINGS, PA 17065
by handing to
JOSEPH B MILLER
a true and attested copy of COMPLAINT - MORT FORE
together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So Answers:
18.00
4.83
.00
10.00
.00
32.83
.,,-/"%~~
R. Thomas Kline
04/11/2002
BARBARA FEIN
me this
a-
/1-
day of
By, ~~~
Deputy Sherif
Sworn and Subscribed to before
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C}X' J (L }wAPI" Af~
thonotary ,
MANUFACTURERS & TRADERS
TRUST COMPANY, Trustee for
Securitization Series 1999-2, Agreement
dated 3-01-99, By and Through its Loan
Servicing Agent, Fairbanks Capital Corp.,
Plaintiff
vs.
JOSEPH B. MILLER and
JUDITH M. MILLER,
Defendant
: IN THE COURT OF COMMON PLEAS OF
: CUMBERLAND COUNTY, PENNSYLVANIA
: NO. 02-1530 - Civil Term
PRAECIPE
TO THE PROTHONOTARY OF SAID COURT:
Please enter my appearance on behalf of Defendants Joseph B. Miller and Judith M.
Miller in the above-captioned action.
Dated:
5- ((J..- oJ-
CALDWELL & KEARNS
By:
ay J. i lows 1,
Attorney I.D. #87135
3631 North Front Street
Harrisburg, PA 17110
(717) 232-7661
Attorney for Defendants
. .
CERTIFICATE OF SERVICE
AND NOW, this /O~day of
~
, 2002, I hereby certify that I have
served a copy ofthe within document on the following by depositing a true and correct copy of
the same in the U.S. Mails at Harrisburg, Pennsylvania, postage prepaid, addressed to:
Barbara A. Fein, Esquire
Kristen J. DiPaolo, Esquire
The Law Offices of Barbara A. Fein, PoCo
425 Commerce Drive, Suite 100
Fort Washington, PA 19034
CALDWELL & KEARNS
BY~~
02-328/39637
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THE LAW OFFICES OF BARBARA A. FEIN, P.c.
Barbara A. Fein, Esquire 1 J.D. No. 53002
Kristen J. DiPaolo, Esquire 1 J.D. No. 79992
425 Commerce Drive, Suite 100
Fort Washington, P A 19034
(215) 653-7450
Attorneys for Plaintiff
MANUFACTURERS & TRADERS TRUST
COMPANY, Trustee for Securitization Series
1999-2, Agreement dated 3-01-99, By and
Through its Loan Servicing Agent, Fairbanks
Capital Corp.,
Plaintiff,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO. 02-1530 CIVIL TERM
v.
JOSEPH B. MILLER and
JUDITH M. MILLER,
Defendants.
PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER
AND FOR ASSESSMENT OF DAMAGES
Kindly enter judgment for $74,229.09 in favor of the Plaintiff, Manufacturers & Traders
Trust Company, Trustee for Securitization Series 1999-2, Agreement dated 3-01-99, By and Through
its Loan Servicing Agent, Fairbanks Capital Corp., and against the Defendants, Joseph B. Miller and
Judith M. Miller for failure to file an Answer to Plaintiffs Complaint in Mortgage Foreclosure within
twenty (20) days from service thereof and assess Plaintiffs damages as follows and calculated from
those set forth in the Complaint.
Principal balance of mortgage
Interest due and owing at the rate of 12.990%
calculated from September 23, 2001
through December 22, 2001
Interest due and owing at the rate of 11.990%
calculated from December 23,2001
through May 15,2002
Late Charges due and owing under the Note in
accordance with the Mortgage Instrument
$64,980.61
2, JJ 0.26
3,018.98
618.88
Escrow Advances made by Plaintiff Mortgagee
on behalf of Defendant mortgage account
Corporate Advances made by Plaintiff on
behalf of Defendant mortgage account
Suspense Balance (Credit)
Non-Sufficient Fund (NSF Charges)
Attorneys' fees
TOTAL IN REM JUDGMENT TO BE ENTERED
152.56
45.08
<12.25>
65.94
3,249.03
$74,229.09
THE LAW OFFICES OF BARBARA A. FEIN, P.C.
BY:
3 J ~I't- I A ~(). ';?j_ i ~
Barbara A. Fein, Esquire
AND NOW, judgment is entered in favor of the Plaintiff, Manufacturers & Traders Trust
Company, Trustee for Securitization Series 1999-2, Agreement dated 3-01-99, By and Through its
Loan Servicing Agent, Fairbanks Capital Corp. and against the Defendants, Joseph B. Miller and
Judith M. Miller, and damages are assessed as above in the sum of $74,229.09.
Pro. Prothonotary
SI j(..lo~
THE LAW OFFICES OF BARBARA A. FEIN, P.C.
Barbara A. Fein, Esquire / J.D. No. 53002
Kristen J. DiPaolo, Esquire / J.D. No. 79992
425 Commerce Drive, Suite 100
Fort Washington, PA 19034
(215) 653-7450
Attorneys for Plaintiff
MANUFACTURERS & TRADERS
TRUST COMPANY, Trustee for
Securitization Series 1999-2,
Agreement dated 3-01-99, By and
Through its Loan Servicing Agent,
Fairbanks Capital Corp.,
Plaintiff,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO.
(12-1530 CIVIL 'Jm.l
v.
JOSEPH B. MILLER and
JUDITH M. MILLER,
Defendants.
AFFIDAVIT OF NON-MILITARY SERVICE
COMMONWEALTH OF PENNSYLVANIA
s.s.:
COUNTY OF MONTGOMERY
THE UNDERSIGNED being duly sworn, deposes and says that the averments herein are
based upon investigations made and records maintained by us either as Plaintiff or as servicing agent
of the Plaintiff herein named and that the above named Defendants are not in the Military or Naval
Service of the United States of America or its Allies as defined under the Soldiers and Sailors Civil
Relief Act of 1940, as amended, and that the age and last known residence and employment of each
Defendant are as follows:
Defendant
Age
Residence
Employment
Joseph B. Miller
Over 18
26 East Pine Street, Mount Holly Spring, PAl 7065
Unknown
Defendant
Age
Residence
Employment
Judith M.. Miller
Over 18
26 East Pine Street, Mount Holly Spring, PAl 7065
Unknown
Sworn to and subscribed
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NAME: &~ fi.- c..r~
TITLE: Foreclosure Specialist
COMPANY: Fairbanks Capital Corp.
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THE LAW OFFICES OF BARBARA A. FEIN, P .C.
Barbara A. Fein, Esquire / I.D. No. 53002
Kristen J. DiPaolo, Esquire / I.D. No. 79992
425 Commerce Drive, Suite 100
Fort Washington, PA 19034
(215) 653-7450
Attorneys for Plaintiff
MANUFACTURERS & TRADERS TRUST
COMPANY, Trustee for Securitization Series
1999-2, Agreement dated 3-01-99, By and
Through its Loan Servicing Agent, Fairbanks
Capital Corp.,
Plaintiff,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO. 02-1530 CIVIL TERM
v.
JOSEPH B. MILLER and
JUDITH M. MILLER,
Defendants.
CERTIFICATION OF MAILING OF NOTICE UNDERPA. RCP RULE 237.1
The undersigned hereby certifies that a written Notice oflntention to File a Praecipe for the
Entry of Default Judgment was mailed to the Defendant(s) and/or to their legal counsel of record,
if any, after the default occurred and at least ten (10) days prior to the date of the filing of the
Praecipe. Said Notice was sent on the date set forth in the appended copy of the Notice, sent as
stated.
Joseph B. Miller
26 East Pine Street
Mount Holly Spring, P A 17065
Judith M. Miller
26 East Pine Street
Mount Holly Spring, P A 17065
Dated: May 1, 2002
THE LAW OFFICES OF BARBARA A. FEIN, P.C.
BY:
2J~ IA.a ~ 1~
Barbara A. Fein, Esquire
Attorney for Plaintiff
Attorney I.D. No. 53002
THE LAW OFFICES OF BARBARA A. FEIN, P.C.
Barbara A. Fein, Esquire I J.D. No. 53002
Kristen J. DiPaolo, Esquire I J.D. No. 79992
425 Commerce Drive, Suite 100
Fort Washington, PA 19034
(215) 653-7450
Attorneys for Plaintiff
MANUFACTURERS & TRADERS TRUST
COMPANY, Trustee for Securitization Series
1999-2, Agreement dated 3-01-99, By and
Through its Loan Servicing Agent, Fairbanks
Capital Corp.,
Plaintiff,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO. 02-1530 CIVIL TERM
v.
JOSEPH B. MILLER and
JUDITH M. MILLER,
Defendants.
NOTICE OF INTENTION TO TAKE DEFAULT UNDER PA. RCP RULE 237.1
IMPORTANT NOTICE
You are in default because you have failed to take action required of you in this case. Unless
you act within ten (10) days from the date of this notice as set forth below, a Judgment may be
entered against you without a hearing and you may lose your property or other important rights. You
should take this notice to a lawyer at once. If you do not have a lawyer or cannot afford one, go to
or telephone the following office to find out where you can get legal help:
Cumberland County Court Administrator
4th Floor
Cumberland County Court House
1 Courthouse Square
Carlisle, P A 17013
(717) 240-6200
NOTlFICACION IMPORTANTE
Usted se encuentra en estado de rebeldia por no haber tornado la accion requirida de su parte en este
case. Al no tomar la accion debida dentro de un termino de diez (10) dias de la fecha de esta
notificacion, el tribuna podra, sin necesidad de compararecer usted in corte 0 escucharpreuba alguna,
dictar sentencia en su contra. Usted puede perder bienes y otros derechos importantes. Debe llevar
esta notificacion a un abogado immediatamente. Si usted no tiene abogado 0 si no tiene dinero
suficiente para tal servicio, vaya en persona 0 llame por telefono a la oficina cuya direccion se
encuentra escrita abajo para averiguar donde se puede conseguir assitencia legal:
Cumberland County Court Administrator
4th Floor
Cumberland County Court House
I Courthouse Square
Carlisle, P A 17013
(717) 240-6200
Date of Notice: May 1, 2002
PERSONS SERVED:
Joseph B. Miller
26 East Pine Street
Mount Holly Spring, P A 17065
Judith M. Miller
26 East Pine Street
Mount Holly Spring, P A 17065
THE LAW OFFICES OF BARBARA A. FEIN, P.C.
1/
~a..~
BY:
Barbara A. Fein, Esquire
Attorney for Plaintiff
Attorney I.D. No. 53002
THE LAW OFFICES OF BARBARA A. FEIN, P.C.
Barbara A. Fein, Esquire / l.D. No. 53002
Kristen J. DiPaolo, Esquire / l.D. No. 79992
425 Commerce Drive, Suite 100
Fort Washington, PA 19034
(215) 653-7450
Attorneys for Plaintiff
MANUF ACTURERS & TRADERS TRUST
COMPANY, Trustee for Securitization Series
1999-2, Agreement dated 3-01-99, By and
Through its Loan Servicing Agent, Fairbanks
Capital Corp.,
Plaintiff,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO. 02-1530 CIVIL TERM
v.
JOSEPH B. MILLER and
JUDITH M. MILLER,
Defendants.
CERTIFICATION OF ADDRESS
I, Barbara A. Fein, Esquire, Attorney for the Plaintiff, Manufacturers & Traders Trust
Company, Trustee for Securitization Series 1999-2, Agreement dated 3-01-99, By and Through its
Loan Servicing Agent, Fairbanks Capital Corp., hereby certify that the Plaintiffs correct address is
338 South Warminster Road, Hatboro, P A 19040, and the last known address of each Defendant
is as below.
Joseph B. Miller
26 East Pine Street
Mount Holly Spring, P A 17065
Judith M. Miller
26 East Pine Street
Mount Holly Spring, P A 17065
THE LAW OFFICES OF BARBARA A. FEIN, P.c.
BY:
~lJH' BA(J f/)~
Barbara A. Fein, Esquire
Attorney for Plaintiff
THE LAW OFFICES OF BARBARA A. FEIN, P.C.
Barbara A. Fein, Esquire / I.D. No. 53002
Kristen J. DiPaolo, Esquire / I.D. No. 79992
425 Commerce Drive, Suite 100
Fort Washington, PA 19034
(215) 653-7450
Attorneys for Plaintiff
MANUFACTURERS & TRADERS TRUST
COMPANY, Trustee for Securitization Series
1999-2, Agreement dated 3-01-99, By and
Through its Loan Servicing Agent, Fairbanks
Capital Corp.,
Plaintiff,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO. 02-1530 CIVIL TERM
v.
JOSEPH B. MILLER and
JUDITH M. MILLER,
Defendants.
CERTIFICATE OF SERVICE
I, Barbara A. Fein, Esquire, Attorney for the Plaintiff, Manufacturers & Traders Trust
Company, Trustee for Securitization Series 1999-2, Agreement dated 3-01-99, By and Through its
Loan Servicing Agent, Fairbanks Capital Corp., hereby certify that I have served a true and correct
copy of the appended mortgage foreclosure pleadings/papers upon the following parties at the last
known address and/or upon an attorney of record, as noted:
Joseph B. Miller
26 East Pine Street
Mount Holly Spring, P A 17065
Judith M. Miller
26 East Pine Street
Mount Holly Spring, PAl 7065
THE LAW OFFICES OF BARBARA A. FEIN, P.c.
BY:
~1~r</_.O~~V
Barbara A. Fein, Esquire
Attorney for Plaintiff
OFFICE OF THE PROTHONOTARY
COURT OF COMMON PLEAS
Cumberland County Court House
1 Courthouse Square
Carlisle, PA 17013
CURT LONG, PROTHONOTARY
TO: Joseph B. Miller
26 East Pine Street
Mount Holly Spring, P A 17065
MANUFACTURERS & TRADERS TRUST
COMPANY, Trustee for Securitization Series
1999-2, Agreement dated 3-01-99, By and
Through its Loan Servicing Agent, Fairbanks
Capital Corp.,
Plaintiff,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO. 02-1530 CIVIL TERM
v.
JOSEPH B. MILLER and
JUDITH M. MILLER,
Defendants.
NOTICE
Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a
judgment has been entered against you in the above captioned proceeding as indicated below.
CURT LONG, PROTHONOTARY
[XX] Judgment by Default entered
IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL:
BARBARA A. FEIN, ESQUIRE AT (215) 653-7450.
OFFICE OF THE PROTHONOTARY
COURT OF COMMON PLEAS
Cumberland County Court House I Courthouse Square
Carlisle, PA 17013
CURT LONG, PROTHONOTARY
TO: Judith M. Miller
26 East Pine Street
Mount Holly Spring, P A 17065
MANUFACTURERS & TRADERS TRUST
COMPANY, Trustee for Securitization Series
1999-2, Agreement dated 3-01-99, By and
Through its Loan Servicing Agent, Fairbanks
Capital Corp.,
Plaintiff,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO. 02-1530 CIVIL TERM
v.
JOSEPH B. MILLER and
JUDITH M. MILLER,
Defendants.
NOTICE
Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a
judgment has been entered against you in the above captioned proceeding as indicated below.
CURT LONG, PROTHONOTARY
[XX] Judgment by Default entered
IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOnCE, PLEASE CALL:
BARBARA A. FEIN, ESQUIRE AT (215) 653-7450.
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COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
MANUFACTURERS & TRADERS
TRUST COMPANY, Trustee for
Securitization Series 1999-2, Agreement
dated 3-01-99, By and Through its Loan
Servicing Agent, Fairbanks Capital Corp.,
Plaintiff,
COURT OF COMMON PLEAS
NO. 02-1530 Civil Term
v.
JOSEPH B. MILLER and
JUDITH M. MILLER,
Defendant(s) .
PRAECIPE TO ISSUE WRIT OF EXECUTION
(MORTGAGE FORECLOSURE)
TO THE PROTHONOTARY:
Kindly issue a Writ of Execution in the above matter, directed to the Sheriff of Cumberland
County, against JOSEPH B. MILLER and JUDITH M. MILLER, Defendant(s), and real property
situated at 26 East Pine Street, Borough ofMt. Holly Springs, Cumberland County, Pennsylvania
17065.
AMOUNT DUE
$74,229.09
INTEREST FROM May 16, 2002
Through September 4,2002
1,354.20
COSTS TO BE ADDED
$
THE LAW OFFICES OF BARBARA A. FEI , P.C.
Barbara A. Fein, Esquire
Attorney J.D. No. 53002
425 Commerce Drive, Suite 100
Fort Washington, PA 19034
(215) 653-7450
BY:
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Premises:
26 EAST PINE STREET, BOROUGH OF MT. HOLLY SPRINGS
CUMBERLAND COUNTY
PENNSYL V ANJA
DESCRIPTION
ALL THAT CERTAIN lot or parcel ofland, known as Lot No.9, situate on the south side of Pine
Street in the Borough of Mt. Holly Springs, Cumberland County, Pennsylvania, bounded and described
as per magnetic bearings of 1946 as follows:
BEGINNING at a point on the south side of Pine Street, a comer of land belonging now or formerly
to Helen 1. Harmon; thence by said Harmon lot, South 10 1/4 degrees east 150 feet to an iron pin, on
the north side of a twenty-five (feet wide) alley; thence along the north line of said alley, north 793/4
degrees east 50 feet to an iron pin, a comer of Lot No. 10 as surveyed by F. Wetzel in 1942; thence
by said Lot No. 10, north 10 1/4 degrees west 150 feet to a point on the south side of Pine Street;
thence along Pine Street, south 79 3(4 degrees west 50 feet to the place of beginning.
BEING improved with a 1 1/2 story frame dwelling house known as and numbered 26 East Pine Street.
Tax Parcel #23-32-2336-292
. .
VESTED IN Joseph B. Miller and Judith M. Miller, husband and wife by Deed from ElSie V.
Monroe, Executrix of Last Will and Testament of Kenneth G. Murray dated 10/22/1984 and
recorded 10/29/1984 in Deed Book Y30, Page 591.
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THE LAW OFFICES OF BARBARA A. FEIN, PoCo
Barbara A. Fein, Esquire / 1.0. No. 53002
Kristen J. DiPaolo, Esquire / 1.0. No. 79992
425 Commerce Drive, Suite 100
Fort Washington, PA 19034
(215) 653-7450
Attorney for Plaintiff
File No.
02-7320
MANUFACTURERS & TRADERS TRUST
COMPANY, Trustee for
Securitization Series 1999-2,
Agreement dated 3-01-99, By
and Through its Loan Servicing
Agent, Fairbanks Capital
Corp. ,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO. 02-1530 Civil Term
Plaintiff,
v.
JOSEPH B. MILLER and
JUDITH M. MILLER,
Defendants.
AFFIDAVIT UNDER PA. RCP RULE 3129
Manufacturers & Traders Trust Company, Trustee for
Securitization Series 1999-2, Agreement dated 3-01-99, By and
Through its Loan Servicing Agent, Fairbanks Capital Corp.,
Plaintiff in the above captioned mortgage foreclosure action, sets
forth as of the date the praecipe for the Writ of Execution was
filed, the following information concerning the real property
located at 26 East Pine Street, Mount Holly Spring, Borough of Mt.
Holly Springs, Cumberland County, Pennsylvania, was true and
correct to the best of its knowledge, information and belief.
1. Name and address of each Owner and/or Reputed Owner:
Joseph B. Miller
26 East Pine Street
Mount Holly Spring, PA 17065
Judith M. Miller
26 East Pine Street
Mount Holly Spring, PA 17065
....
2. Name and address of each Defendant named in the judgment:
Joseph B. Miller
26 East Pine Street
Mount Holly Spring, PA 17065
Judith M. Miller
26 East Pine Street
Mount Holly Spring, PA 17065
3. Name and last known address of every judgment creditor whose
judgment is a record lien on the real property to be sold:
None
4. Name and address of the last recorded holder of every mortgage
of record:
Manufacturers & Traders Trust Company, Trustee for
Securitization Series 1999-2, Agreement dated 3-01-99, By
and Through its Loan Servicing Agent, Fairbanks Capital
Corp., Plaintiff
338 South Warminster Road
Hatboro, PA 19040
Northwest Consumer Discount Company
227 Penrose Place
Carlisle, PA 17013
5. Name and address of every other person or entity which has any
record lien on the property:
None
6. Name and address of every other person or entity which has any
record interest in the property and whose interest may be
affected by the sale:
Mable R. Satteson, Tax Collector
3 Trine Avenue
Mt. Holly Springs, PA 17065
r .
Cumberland County Tax Claim Bureau
1 Courthouse Square
Carlisle, PA 17103-3387
Pat Fisher
200 Harman Street
Mt. Holly Springs, PA 17065
Carlisle Area School District
623 West Penn Street
Carlisle, PA 17013
7. Name and address of every other person of whom the Plaintiff
has knowledge who may have an interest in the property which
may be affected by the sale:
Tenant/Occupant
26 East Pine Street
Mount Holly Spring, PA 17065
Cumberland County Domestic Relations
13 N. Hanover Street
Carlisle, PA 17013
Commonwealth of Pennsylvania
Department of Welfare
P.O. Box 2675
Harrisburg, PA 17105
T. Andrew Swain, Edsquire
Welch, Gold & Siegel, P.C.
Suite 1240, Lawyers Building
428 Forbes Avenue
Pittsburgh, PA 15219
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THE LAW OFFICES OF BARBARA A. FEIN, PoCo
Barbara A. Fein, Esquire / I.D. No. 53002
Kristen J. DiPaolo, Esquire / I.D. No. 79992
425 Commerce Drive, Suite 100
Fort Washington, PA 19034
(215) 653-7450
Attorney for Plaintiff
File No.
02-7320
MANUFACTURERS & TRADERS TRUST
COMPANY, Trustee for
Securitization Series 1999-2,
Agreement dated 3-01-99, By
and Through its Loan Servicing
Agent, Fairbanks Capital
Corp. ,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO. 02-1530 Civil Term
Plaintiff,
v.
JOSEPH B. MILLER and
JUDITH M. MILLER,
Defendants.
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
TO: Joseph B. Miller
26 East Pine Street
Mount Holly Spring, PA 17065
Judith M. Miller
26 East Pine Street
Mount Holly Spring, PA 17065
Your house at 26 East Pine Street, Borough of Mt. Holly Springs,
Cumberland County, Pennsylvania is scheduled to be sold by the
Cumberland County Sheriff's Department on September 4, 2002 at the
Cumberland County Court House, 1 Courthouse Square, Carlisle,
Pennsylvania, to enforce the Court judgment of $74,229.09 obtained
by Plaintiff, Manufacturers & Traders Trust Company, Trustee for
Securitization Series 1999-2, Agreement dated 3-01-99, By and
Through its Loan Servicing Agent, Fairbanks Capital Corp., against
YOU.
NOTICE OF OWNERS' RIGHTS
YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE
To prevent this Sheriff's Sale, you must take immediate
action:
1. This sale will be canceled if you pay to Plaintiff
Mortgagee the back payments, late charges, costs and reasonable
attorneys' fees due. To find out how much you must pay, you may
call Kristen J. DiPaolo, Esquire at (215) 653-7450.
2. You may be able to stop the sale by filing a petition
asking the Court to strike or open the Judgment, if the judgment
was improperly entered. You may also ask the Court to postpone the
sale for good cause.
3. You may also be able to stop the sale through other legal
proceedings.
You may need an attorney to assert your rights. The sooner
you contact one, the more chance you will have of stopping the
sale. (See notice below on how to obtain an attorney) .
YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND
YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE.
l.
be sold
calling
calling
6390.
If the Sheriff's Sale is not stopped, your property will
to the highest bidder. You may find out the price bid by
Kristen J. DiPaolo, Esquire at (215) 653-7450, or by
the Cumberland County Sheriff's Department at (717) 240-
2 .
sale if
of your
You may be able to petition the Court to set aside the
the bid price was grossly inadequate compared to the value
property.
3. The sale will go through only if the buyer pays the
Sheriff the full amount bid in the sale. To find out if this has
happened, you may call Kristen J. DiPaolo, Esquire at (215) 653-
7450, or by calling the Cumberland County Sheriff's Department at
(717) 240-6390.
4. If the amount due from the buyer
Cumberland County Sheriff, you will remain
property as if the sale had never happened.
is not paid to the
the owner of the
"
j
.'
5. You have the right to remain in the property until the
full amount due is paid to the Sheriff and the Sheriff gives a deed
to the buyer. At that time, the buyer may bring legal proceedings
to evict you.
6. You may be entitled to a share of the money which was
paid for your house. A schedule of distribution of the money bid
for your house will be filed by the Cumberland County Sheriff on or
about thirty (30) days from the date of Sheriff's Sale. This
schedule will state who will be receiving that money. The money
will be paid out in accordance with this schedule unless exceptions
(reasons why the proposed distribution is wrong) are filed with the
Sheriff wi thin ten (10) days after the distribution sheet is
posted.
7. You may also have other rights and defenses, or ways of
getting your house back, if you act immediately after the sale.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE
BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
Cumberland County Court Administrator
4th Floor
Cumberland County Court House
1 Courthouse Square
Carlisle, PA 17013
(717) 240-6200
-
Premises:
26 EAST PINE STREET, BOROUGH OF MT. HOLLY SPRINGS
CUMBERLAND COUNTY
PENNSYLVANIA
DESCRIPTION
ALL THAT CERTAIN lot or parcel ofland, known as Lot No, 9, situate on the south side of Pine
Street in the Borough of Mt. Holly Springs, Cumberland County, Pennsylvania, bounded and described
as per magnetic bearings ,of 1946 as follows:
BEGINNING at a point on the south side of Pine Street, a comer of land belonging now or formerly
to Helen 1. Harmon; thence by said Harmon lot, south 10 1/4 degrees east 150 feet to an iron pin, on
the north side of a twenty-five (feet wide) alley; thence along the north line of said alley, north 79 3/4
degrees east 50 feet to an iron pin, a corner of Lot No. 10 as surveyed by F. Wetzel in 1942; thence
by said Lot No. 10, north 10 1/4 degrees west 150 feet to a point on the south side of Pine Street;
thence along Pine Street, south 79 3/4 degrees west 50 feet to the place of beginning.
BEING improved with a 1 1/2 story frame dwelling house known as and numbered 26 East Pine Street.
Tax Parcel #23-32-2336-292
VESTED IN Joseph B. Miller and Judith M. Miller, husband and wife by Deed from Elsie V,
Monroe, Executrix of Last Will and Testament of Kenneth G. Murray dated 10/22/1984 and
recorded 10/29/1984 in Deed Book Y30, Page 591.
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WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEALTH OF PENNSYL VANIA)
COUNTY OF CUMBERLAND)
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the debt, interest and costs due MANUFACTURERS & TRADERS TRUST
COMPANY, TRUSTEE FOR SECURITIZATION SERIES 1999-2, AGREEMENT DATED 3/1/99,
BY AND THROUGH ITS LOAN SERVICING AGENT, FAIRBANKS CAPTIAL CORP.,
Plaintiff (s)
From JOSEPH B. MILLER AND JUDITH M. MILLER, 26 EAST PINE STREET, MT. HOLLY
SPRINGS, PA 17065
NO 02-1530 Civil
CIVIL ACTION - LAW
(I) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL
DESCRIPTION.
(2) You are also directed to attach the property of the defendantCs) not levied upon in the possession
of
GARNISHEECS) as follows:
and to notify the gamisheeCs) that: Ca) an attachment has been issued; (b) the garnishee(s) is enjoined from
paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant
(s) or otherwise disposing thereof;
(3) Ifproperty of the defendant(s) not levied upon an subject to attachment is found in the possession
of anyone other than a named garnishee, you are directed to notify himlher that he/she has been added as a
garnishee and is enjoined as above stated.
Amount Due $74,229.09
LL $.50
Interest FROM 5/16/02 THROUGH 9/4/02 - $1,354.20
Ally's Comm %
Ally Paid $120.83
Plaintill Paid
Date: JUNE 4, 2002
Due Prothy $' 1.00
Other Costs
CURTIS R. LONG
Prothonotary, Civil Division
~By:
L{.-?~, 2 ~A"'~ r: D~
REQUESTING PARTY:
Name BARBARA A. FEIN, ESQUIRE
Address: 425 COMMERCE DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
Attorney for: PLAINTIFF
Telephone: 215-653-7450
Supreme Court ill No, 53002
THE LAW OFFICES OF BARBARA A. FEIN, P.C.
Barbara A. Fein, Esquire / J.D. No. 53002
Kristen J. DiPaolo, Esquire / J.D. No. 79992
425 Commerce Drive, Suite 100
F ort Washington, P A 19034
(215) 653-7450
Attorneys for Plaintiff
MANUF ACTURERS AND TRADERS
TRUST COMPANY, Trustee for
Securitization Series 1999-2, Agreement
dated 3-01-99, By and Through its Loan
Servicing Agent, Fairbanks Capital Corp.,
Plaintift~
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO. 02-1530 CIVIL TERM
v.
JOSEPH B. MILLER and
JUDITH M. MILLER,
Defendants.
CERTIFICATION OF NOTICES OF SALE TO LIENHOLDERS
I, Janet E. Brooks, Paralegal to Barbara A. Fein, Esquire, Attorney for Plaintiff,
Manufacturers and Traders Trust Company, Trustee for Securitization Series 1999-2, Agreement
dated 3 -1-99. By and Through its Loan Servicing Agent, Fairbanks Capital Corp., hereby certify that
upon information and belief, diligent efforts have been made to identify all persons/entities having
mortgages, judgments, liens, or other interest in the subject premises ofthe foreclosure proceeding,
and that such persons/entities have been sent Notices of Sheriffs Sale (attached hereto as Exhibit
"A") and that said Notices were duly served upon them in accordance with Pennsylvania Rule of
Civil Procedure Rule 3129. (Proof of mailing with a postmark date of August 5, 2002 is appended
hereto and incorporated herein by reference as Exhibit "B").
I declare under penalty of perjury that the foregoing is true and correct.
August 19,2002
THE LAW OFFICES OF BARBARA A. FEIN, P.C.
BY: anet E. rooks, Paralegal to
Barbara A. Fein, Esquire
Attorney for Plaintiff
NEW JERSEY OFFICE
905 North Kings Highway
Cherry Hill. NJ 08034-1569
THE LAW OFFICES OF
BARBARA A. FEIN, P.C.
Suite 100
425 Commerce Drive
Fort Washington, PA 19034
PITTSBURGH OFFICE
110 Atwood Street, No. 680
Pittsburgh, PA 15213
(856) 596-5552
(412) 361-8286
Barbara A. Fein. Esquire
Kristen J. DiPaolo, Esquire
(215) 653-7450
FAX: (215) 653-7454
File No. 02-7320
Member of Pennsylvania
and New Jersey Bars
June 2,2002
NOTICE OF CUMBERLAND COUNTY SHERIFF'S SALE
TO: All Parties in Interest and Claimants
OWNER(S): JOSEPH B. MILLER and
JUDITH M. MILLER
Improvements:
One and One-Half Story Frame
Dwelling House
PROPERTY: 26 East Pine Street
Borough of Mt. Holly Springs
County of Cumberland, P A 17065
Cumberland County
Court of Common Pleas
No. 02-1530 Civil Term
Please be advised that the above captioned property (and any improvements thereon) is scheduled to be sold
by the Cumberland County Sheriff's Department on September 4,2002 at the Cumberland County Court
House, 1 Courthouse Square, Carlisle, Pennsylvania. This sale is scheduled pursuant to a judgment entered
in the amount of $74,229.09 in the Court of Common Pleas for Cumberland County.
Our records indicate that you may hold a mortgage or judgment on the property which may be extinguished
(removed) by the sale. You may wish to attend the sale to protect your interests.
A schedule of distribution will be filed by the Sheriff on a date specified by the Sheriff not later than thirty
(30) days after the sale. Distribution will be made in accordance with the schedule unless exceptions are
filed thereto within ten (10) days after the filing of the schedule. You may call the Cumberland County
Sheriffs Department at (717) 240-6390 for the date on which the distribution schedule will be posted.
Sincerely,
THE LAW OFFICES OF BARBARA A. F
Barbara A. Fein, Esquire
Attorney for Plaintiff
BY:
Premises:
26 EAST PINE STREET, BOROUGH OF MT. HOLLY SPRINGS
CUMBERLAND COUNTY
PENNSYLVANIA
DESCRIPTION
ALL THAT CERTAIN lot or parcel of land, known as Lot No.9, situate on the south side of Pine
Street in the Borough of Mt. Holly Springs, Cumberland County, Pennsylvania, bounded and described
as per magnetic bearings of 1946 as follows:
BEGINNING at a point on the south side of Pine Street, a comer of land belonging now or formerly
to Helen 1. Harmon; thence by said Harmon lot, south 10 1/4 degrees east 150 feet to an iron pin, on
the north side of a twenty-five (feet wide) alley; thence along the north line of said alley, north 793/4
degrees east 50 feet to an iron pin, a comer of Lot No. 10 as surveyed by F. Wetzel in 1942; thence
by said Lot No. 10, north 10 1/4 degrees west 150 feet to a point on the south side of Pine Street;
thence along Pine Street, south 79 3/4 degrees west 50 feet to the place of beginning.
BEING improved with a 1 1/2 story frame dwelling house known as and numbered 26 East Pine Street.
Tax Parcel #23-32-2336-292
VESTED IN Joseph B. Miller and Judith M. Miller, husband aiId wife by Deed from Elsie V.
Monroe, Executrix of Last Will and Testament of Kenneth G. Murray dated 10/22/1984 and
recorded 10/29/1984 in Deed Book Y30, Page 591.
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Manufacturers & Traders Trust
Company, et al
VS
Joseph B. Miller and Judith M. Miller
In The Court of Common Pleas of
Cumberland County, Pennsylvania
Writ No. 2002-1530 Civil Term
R. Thomas Kline, Sheriff, who being duly sworn according to law, states this writ
is returned STAYED pursuant to instructions from Attorney Barbara Fein.
Sheriffs Costs:
Docketing
Surcharge
Law Library
Prothonotary
Mileage
Levy
Advertising
Posting Handbills
Share of Bills
Poundage
Law Journal
Patriot News
Postpone Sale
Certified Mail
30.00
30.00
.50
1.00
8.28
15.00
15.00
15.00
25.20
13.62
284.00
232.15
20.00
4.95
$ 694.70 paid by attorney
11/26/02
Sworn and subscribed to before me
~~~<~
. c0 Ai '
ThiS ~ day of 'J Lt.*,,~.e~
-, R. Thomas Kline, Sheriff
2002, A.D. ~~"'u-, {} fh,)t~~ , ~-
Prothonotary
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THE PATRIOT NEWS
THE SUNDAY PATRIOT NEWS
Proof of Publication
Under Act No. 587, Approved May 16, 1929
Commonwealth of Pennsylvania, County of Dauphin} 55
Frank J. Epler being duly sworn according to law, deposes and says:
That he is the Controller of The Patriot News Co., a corporation organized and existing under the laws of the
Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market Street, in the
City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The Patriot-News and..I!le.
Sundav Patriot-News newspapers of general circulation, printed and published at 812 to 818 Market Street, in the
City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th,
1854, and September 18th, 1949, respectively, and all have been continuously published ever since;
That the printed notice or publication which is securely attached hereto is exactly as printed and published in
their regular daily and/or Sunday/ Metro editions which appeared on the 23rd and 30th day(s) of July and the 6th
day(s) of August 2002. That neither he nor said Company is interested in the subject matter of said printed notice
or advertising, and that all of the allegations of this statement as to the time, place and character of publication are
true; and
That he has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this
statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and
adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in
the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book "M",
Volume 14, Page 317. .../ ~
PUBLICATION // ~~..~.........,..................,...,....................
COpy L-/ Sworn to and subscribed before me t' 1 h day of Au st 20 .D.
S ALE #36 Notarial Seal
REAL ESTATEL SALE No. 38 Terry L Russell, NotaIY Public
Writ No. 2002.1~ City Of Harrisburg, Dauphin Coun
Chill Term My Commission Expires June 6, 2006
Manufacturers" Member, PennsylVania Association Of NotariEllly commission expires June 6, 2006
Trade... Trust Co.,
TruatH for Securitization
SerIM 1"2,
Agreement dated 3-01-98,
By and through Ita
Loan ServIcIng Agent,
Falrbanka C8pIt81 Corp.
".
Joeeph B. Miller and
Judith M. Miller
Atty: El8rbara A. Fein
DESCRIPI10N
AlL THAT Cl'--RTAIN lot or pan:el of land,
known as Lot No,9, SItuate on the south side of
Pine S.treet in the Borough of Mt. Holly Springs,
Curnbl(rland County, Pennsylvania. bounded and
<lesenbed as permognetic bearings nf 1946 as
fullows:
BEGINNING at a point on,the south side of Pine
Street, a comer of land belonging now 01 formerly Publisher's Receipt for Advertising Cost
to Helen I. Harmon; lhcnce ~y sald Ihmnon lot,
:U~eIOn:dr~r:~~~~:ifeef~~" publisher of The Patriot-News and The Sundav Patriot-News, newspapers of general
alley; thence along the north line of said alley, Ie receipt of the aforesaid notice and publication costs and certifies that the same have
north 79 3/4 degrees east 50 feet to an iron pin, a
curnel of Lot No, 10 as surveyed by F. Wetzel in
1942; thence by said Lot No. 10. north 10 1/4
de~es west 150 feet.to a point on the south side
of Pine Street; thence along Pioe Street, south 79
3/4 degtfts west 3ttfee'r'lO the .place of
BEGINNING.
BEING improved with a I 1/2 story frame
dwelling house known as and numbered 26 East
Pine Street.
Tax Parcel #23.32-2336-292. VESTED IN Joseph
B. Mtller and JudIth M. Miller, husband and wife,
by Deed from Elsie V, Monroe, Executrix of Last
Will and Testament of Kenneth G, Murray dated
10/22/1984 and reconled 10/291l984 in Deed
Book Y30, Page 591.
CUMBERLAND COUNTY SHERIFFS OFFICE
CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PA. 17013
Statement of Advertising Costs
To THE PATRIOT-NEWS CO., Dr.
For publishing the notice or publication attached
hereto on the above stated dates
Probating same Notary Fee(s)
Total
$
$
$
230.40
1.75
232,15
By..........,..,.".,.................................................
PROOF OF PUBLICATION OF NOTICE
IN CUMBERLAND LAW JOURNAL
(Under Act No. 587, approved May 16, 1929), P. L.1784
STATEOFPENNSYLVANIA :
ss.
COUNTY OF CUMBERLAND :
Roger M. MorgenthaI, Esquire, Editor of the Cumberland Law Journal, ofthe County
and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland
Law Journal, a legal periodical published in the Borough of Carlisle in the County and State
aforesaid, was established January 2, 1952, and designated by the local courts as the official legal
periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly
issued weekly in the said County, and that the printed notice or publication attached hereto is
exactly the same as was printed in the regular editions and issues ofthe said Cumberland Law
Journal on the following dates,
VIZ:
JULY 26, AUGUST 2, 9,2002
Affiant further deposes that he is authorized to verify this statement by the Cumberland
Law Journal, a legal periodical of general circulation, and that he is not interested in the subject
matter of the aforesaid notice or advertisement, and that all allegations in the foregoing
statements as to time, place and character of publication are true.
REAL ESTATE SALE NO. 36
/
Roger M. Morgenthal, Editor
--.
Writ No. 2002- 1530 Civil
Manufacturers & Traders Trust
Company. Trustee for
Securitization Series 1999-2.
Agreement dated 3-01-99. by and
through Its Loan Servicing Agent.
Fairbanks Capital Corp.
vs,
Joseph B. MIller and
Judith M. Miller
Atty.: Barbara A. Fein
Premises: 26 East Pine STreet,
Borough of Mt. Holly Springs.
Cumberland County, Pennsylvania
DESCRlPTION
ALL THAT CERTAIN lot or par-
cel of land. known as Lot No.9.
situate on the south side of Pine
Street In the Borough of Mt, Holly
Springs, Cumberland County. Penn-
sylvania, bounded and described as
per magnetic bearings of 1946 as
follows:
t::rt<'~T1Hl'o.TT"Tr< _... _ _ _. __-'-
SWORN TO AND SUBSCRIBED before me this
9 day of AUGUST. 2002
NOTARIAl. SEAl.
LOIS E. SNYDER, No!8Iy NlIIc
Carllsle Bora, Cumb8rIand County
My Cot"limi8slon Expinls MIR:h 5, 2005 .
'I' follows:
BEGINNING at a point on the
south side of Pine Street, a corner
of iand belonging now or formerly
to Helen L Harmon: thence by said
Harmon lot. south 10 1/4 degrees
east 150 feet to an iron pin. on the
north side of a twenty-five (feet wide)
alley: thence along the north line of
said alley. north 79 3/4 degrees
east 50 feet to an iron pin, a comer
of Lot No, 10 as surveyed by F, Wetzel
in 1942: thence by said Lot No. 10.
north 10 1/4 degrees west 150 feet
to a point on the south side of Pine
Street: thence along Pine Street.
south 79 3/4 degrees west 50 feet
to the place of beginning.
BEING improved with a 1 1/2
story frame dwelling house known
as and numbered 26 East Pine
Street,
Tax Parcel #23-32-2336-292.
VESTED IN Joseph B, Miller and
Judith M, Miller, husband and wife
by Deed from Elsie V. Monroe. Ex-
ecutrix of Last Will and Testament
of Kenneth G, Murray dated 10/
22/1984 and recorded 10/29/
1984 in Deed Book Y30. Page 59\,
THE LAW OFFICES OF BARBARA A. FEIN, P .C.
Barbara A. Fein / I.D. No. 53002
Kristen D. Little / I.D. No. 79992
Jacqueline F. McNally / I.D. No. 201332
425 Commerce Drive, Suite 100
Fort Washington, PA 19034
(215) 653-7450
Attorneys for Plaintiff
File No. 02-7320
MANUFACTURERS & TRADERS TRUST
COMP ANY, Trustee for Securitization Series
1999-2, Agreement dated 3-01-99, By and
Through its Loan Servicing Agent, Fairbanks
Capital Corp.,
Plaintiff,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO. 02-1530 Civil Term
v.
JOSEPH B. MILLER and
JUDITH M. MILLER,
Defendants.
PRAECIPE TO MARK JUDGMENT SATISFIED
TO THE PROTHONOTARY:
Kindly mark satisfied the judgment entered in the above captioned mortgage foreclosure
action.
THE LAW OFFICES OF BARBARA A. FEIN, P.C.
BY:
Barbara A. Fein, Esquire
Attorney for Plaintiff
Attorney I.D. No. 53002
October 9,2006
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THE LAW OFFICES OF BARBARA A. FEIN, P.C.
Barbara A. Fein / LD. No. 53002
Kristen D. Little / LD. No. 79992
Jacqueline F. McNally /LD. No. 201332
425 Commerce Drive, Suite 100
Fort Washington, PA 19034
(215) 653-7450
Attorneys for Plaintiff
File No. 02-7320
MANUFACTURERS & TRADERS TRUST
COMPANY, Trustee for Securitization Series
1999-2, Agreement dated 3-01-99, By and
Through its Loan Servicing Agent, Fairbanks
Capital Corp.,
Plaintiff,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO. 02-1530 Civil Term
v.
JOSEPH B. MILLER and
JUDITH M. MILLER,
Defendants.
PRAECIPE TO SETTLE, DISCONTINUE, AND END
TO THE PROTHONOTARY:
Kindly mark the above referenced matter settled, discontinued and ended without
prejudice to Plaintiff.
THE LAW OFFICES OF BARBARA A. FEIN, P.C.
Barbara A. Fein, Esquire
Attorney for Plaintiff
Attorney LD. No. 53002
October 9, 2006
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