HomeMy WebLinkAbout02-1879COMMERCE BANK/HARRISBURG
N.A.,
Plaintiff
Ye
WILLIAM A. HOOVER,
Defendant
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
No.:
CIVIL ACTION - LAW
NOTICE
YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth
in the following pages, you must take action within twenty (20) days after this Complaint and
Notice are served, by entering a written appearance personally or by attorney and filing in writing
with the Court your defenses or objections to the claims set forth against you. You are warned that
if you fail to do so, the ease may proceed without you and a judgment may be entered against you
by the Court without further notice for any money in the Complaint or for any other claim or relief
requested by the Plaintiff. You may lose money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
(717) 249-3166 / 1-800-990-9108
NOTICIA
USTED LE HAS SIDO DEMANDADO EN EL TRIBUNAL. Si desea alegar defensa alguna a las
reclama¢iones expuestas en las paginas siguientes, usted debe ir a la audienca. Advertencia: de no
compareeer ante dicho tribunal, su easo sera deeidido en su auseneia y, sin mas notifieaeion, el tribunal
puede dietaminar un Deereto contra usted por eualquiera reclamation o eompensaeion alegada en lla
Petition. Usted puede perder dinero o propiedad u otros derechos importantes a usted.
LLEVE ESTOS DOCUMENTOS A SU ABOGADO EN SEGUIDA. SI NO TIENE LIN
ABOGADO O NO TIENE CON QUE PAGAR TAL SERVICIO, VISTE O LLAME A LA SIGUEINTE
DIRECCION.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
(717) 249-3166 / 1-800-990-9108
COMMERCE BANK/HARRISBURG
N.A.,
Plaintiff
Vo
VvqLLIAM A. HOOVER,
Defendant
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY,
: PENNSYLVANIA
:NO.: Co'A'-r"
:
: CIVIL ACTION - LAW
:
COMPLAINT
AND NOW comes the Plaintiff, COMMERCE BANK/HARRISBURG, N.A., by
and through its attorney, Stcven J. Schiffman, Esquire, and the law fin. of Serratelli,
Schiffman, Brown & Calhoon, PC, and in support of this Complaint, avers thc following:
1. Plaintiff is COMMERCE BANK/HARRISBURG, N.A., a corporation
organized and doing business under the National Banking Act, with offices located at 100
Senate Avenue, Camp Hill, Cumberland County, Pennsylvania, 17011.
2. Defendant is WILLIAM A. HOOVER, an adult individual with a current
mailing address of 57 Westwood Court, Enola, Cumberland County, Pennsylvania, 17025.
3. The Defendant is the owner of a certain property known as 52 Westwood
Court, Enola, Cumberland County, Pennsylvania, 17025.
4. The Defendant is obligor to the Plaintiff by virtue of a certain promise and
agreement made on May 21, 2001.
5. The certain promise and agreement between the Plaintiff and the Defendant
was reduced to writing. A hue and correct copy of the writing appears as Exhibit "A"
attached hereto.
6. The writing of Exhibit "A" is a Promissory Note, wherein the Defendant
promised to pay his debt to the Plaintiffin regular monthly installments with certain interest
on the 1st of each month beginning July l, 2001, and continuing until the debt was repaid
except that any remaining indebtedness if not paid sooner was due and payable on June l,
2016.
7. The Promissory Note is secured by a Mortgage on the property situate at 57
Westwood Court, Enola, Cumberland County, Pennsylvania, 17025.
8. The Defendant is in default on the said Promissory Note because he has failed
to make monthly payments of $558.00.
9. Plaintiff, on October 4, 2001, by certified mail, return receipt requested, gave
notice to Defendant of its intention to foreclose the Defendant's Mortgage in the event the
note was not brought current thirty (30) days from the mailing date of the notice. The Notice
also proved to Defendant Notice of the Homeowners Emergency Mortgage Assistance Act
of 1983. A true and correct copy of the form of notices mailed by the Plaintiff are attached
hereto as Exhibit "B".
10. The entire principal amount outstanding has been accelerated. The principal
amount, accrued interest thereon, escrow, and late charges are now due and payable by the
Defendant. The sums due are as follows:
Principal
Interest through 2/3/02
Late Charges
Attorneys' Fees
TOTAL
$50,300.00
$ 2,745.04
$ 167.40
$ 5.321.24
$58,533.68
WHEREFORE, Plaintiff demands judgment against Defendant for the total sum of
$58,533.68, plus costs to be added.
Respectfully submitted,
Dated: q- I(0-'0Z
L:~lconway~ETITION'~hoover.civ.wpd
SERRATELLI, SCHIFFMAN, BROWN
& CALHOON, PC
~, Esquire
I~u~eN;~:l ~088~ ~inglestown Road
Harrisburg, PA 17110
(717) 540-9170
Attorneys for Plaintiff
PROMISSORY NOTE
~ ~.- ' ~:. '.:< ' ~: . :<.:.:<<.:. :< . ~ ' ~!:..:.:.:<.:.:.:.:.:~:~::< ...... :.:.:.:.:~.:.:~.:.:.i~ :::::::::::::::::::::::::::: ::¥: ~'-¥.-~:::~:-.~.;.:.~.~i~::.':::::::..~: ~-~ ~' ~<~ ~' ~... ~-
~ n~ ~ ~g .... ~S ~n ~ due ~ text =eFNG~ ~{~. '' ~ --:'
Bo~wer: ~lllm A. Hoov~ (~N: 1~) Lender: COM~RCE BAN~ARRIgBURG N.A.
S7 W~d Coud 1~ SENATE AVENUE
Enola, PA 170~ P.O. BOX
CA~ HIL~ PA
(7~ ~
Principal Amount: $50,300.~ Intem~ Rate: 10.50~ Date of Note: May 2t, 2001
Ma~ Date: J~ 1,
~SF ~ P~Y..~ ("B~r~") p~ to ~ to COMMERCE BAN~ARRISBURG N.A. ("L~"), or o~, In I~1 ~n~ of the
umt~ or A~I~, the pnne~l a~um of ~fly ~ousand ~r~ Hundr~ & ~1~ Doll~ (150,~.~), to~ wl~ Int~ M the rate of
10.5~ ~ annum ~ ~e un~ld prlnel~l ~lan~ from May 21, ~1, until paid In full.
PA~. I Mft ~y ~la loan In 180 ~mtl of ~B.~ ~ch pa~t. ~ first pa~t I~ due July 1, ~1, and III lu~ t !1
~ ~ on.the ~ ~y of ~ch m~th .ft~ ~at ~ final oavm~t will ~ due on J--* ~ ~e .................. ~ .~ .
In~t ~t yM ~ld. P ~ Inelu~ Inel I a ~
~ ~ ~ nd Interett. Units or--se agr~ or ~1~ by ~l~e I~, ~ will
E~I~ firm to a~ unpaid In~t, th~ to principal, and any r~alnlng amount ~ any unpaid ~ll~lon ~ a~ ~ ~lr~. Int~
~ thll No~ I~ ~m~ on a ~ ~lmple Int~t baals; that I~, ~ e~l~ng ~e rMIo of ~e Inn~l I~t rate o~ ~ num~ ~ ~
a y~r, mulflpll~ ~ the oMMandlng ~lnel~l ~lan~, mulllpll~ ~ the ~M numar of day~ the ~1~1 ~lan~ II e~dlng. I w~ ~y
~er at L~'s ~s s~ a~e or al s~ ~ ~ace as L~ ~y des~te ~ ~g.
PREPAYME~. I ~y ~y w~ ~1~ a~ or a ~1~ ~ ~e a~t ~ ~rlMr ~an It M due. Ee~ ~y~ ~1 ~t, ~l~s a~ ~
L~ In ~g, r~e ~ ~ ~ ~t~ ~ ~t~ ~ ~ke pay~18 u~er t~ ~y~t sc~e. Ra~, ~rly ~y~ts w~l ~ ~e
p~l ~a~e due a~ ~y r~ h ~ ~k~ f~r ~y~. I agr~ n~ ~ se~ L~er ~y~ ~ .~ ~ MI", "~ r~me',
s~r lan~. If I s~ s~ a ~, LePer may a~t ~ w~ut ~hg a~ ~ L~er's r~ ~r ~ ~e, a~ I wB r~h ~t~
~y a~ M~er a~t ~ ~ L~er. All wrl~ ~u~a~s c~emlng dis~t~ a~unls, I~lu~ng a~ c~k m o~ ~y~t
~t ~t~ ~at ~ ~y~t ~fl~s '~yme~ ~ full' of ~e a~unt ~ or ~at ~ t~ wl~ ~er ~ or I~t~s ~ as ~1
satbMc~ ~ a ~ a~t ~t be ~ff~ ~ d~lver~ ~: COMMERCE BAN~ARRISBURG N.A., 1~ SENATE AVENUE, P.O. BOX ~,
CAMP HIL~ PA 1~11.
~ CHARGE. If a ~t Is 16 da~ ~ ~re la~, I wl~ be char~ 5.~% of the r~ularly aeh~ul~ paym~t.
I~RE~ A~R DEFAULT. U~ ~fault, ~l~ng Ma~e ~ ~y ~ ~al ~r~, ~e ~1 sum d~ u~r ~ N~e wB ~r ~ter~t f~ ~
~te of a~a~ ~ ~r~ at ~e ~ter~t mia on ~ls N~e, ~e Inl~l rate will ~t ex~ ~ ~x~ m~ ~ ~ a~Mlble Mw.
DEFAULT. I ~ ~ h defa~t ~er ~M Note If any of the f~ ~p~:
Pa~t ~aulL I taft ~ ~ke a~ ~ wh~ due u~ ~ls Note.
B~k O~ ~omla~. I ~k a~ ~e ~de to L~der or taft to ~ ~fly at ~e time and st~ h ~e ~ p~ In ~
~e ~ ~ a~ ag~ r~t~ ~ ~ls Note, or In any ~ a~nt ~ ~n I have w~h L~.
~.U~ In Fair of ~lrd Padis. I or any Gra~r d~a~s u~ any I~n, e~s~ ~ cr~lt, s~ a~t, pure.se ~ sal~
~°r any ~r~ ~agr~'~h fa~b of~ea~o~era~ ~cr~lt~e r~at~ ~ ~m~ents.~t ~y ~te~lly aff~t any of ~ p~r~ ~ ~ a~ ~ r~ay ~ Note
M false ~ ~I~ ~ a~ ~t~al r~t, e~ ~ or at the ti~ ~de ~ furnish.
~h or In~l~. ~y ~ ~s ~ ~ ~v~; a r~elver ~ a~t~ for a~ ~d ~ ~ ~; I ~ke an asa~ ~r ~
~ ~ er~; ~ a~ pr~l~ ~ c~ ~er ~ me or a~l~t me u~er a~ bankm~ m ~ la~.
Taking of the PrO~. ~y cr~Ror m ~tal a~ rhea ~ ~ke a~ of ~e ~ or a~ o~m ~ ~ ~ h whEh L~r ~a a
I~. ~ ~ ~kl~ ~, ~mlsh~ ~ ~ I~lng ~ ~ a~ou~ w~h L~er. H~e~r, ff I dls~te ~ ~ M~ ~e~er ~e claim ~ ~
· e ~k~ ~ ~ ~ b ~s~ b val~ or retable, a~ ff I ~e LePer wdU~ ~e of the cla~ a~ ~h L~ ~ ~1~ ~ a
~ ~ c~te a val~ a~ ~d~t~ s~ur~ hter~t ~ ~n) at any time and ~ any reas~.
Colla~al Damage or ~ss. ~ ~lateral s~ufl~ ~ls Note Is lost, stol~, su~ta~lal~ ~g~ or ~t~ a~ ~e ~s, ~, su~tant~l
~ m destr~n ~ ~t ~er~ ~ ~sura~e.
E~IS Afl.lng Guarantor. A~ of the pr~ even~ ~curs w~ reset to a~ guaran~r, ~rser, Sur~, m a~a~ ~ ~ a~
~ ~e ~t~s m any guaranty, e~er, s~ety, ~ ~o~at~ ~ dies ~ ~ I~e~t, or re~ ~ dispel ~ val~
of, or IMb~ ~er, a~ ~m~ of ~e ~t~as ~ ~ ~b Note. In ~e ~t of a dea~, LePer, at ~ ~fl~, ~y, but sha~ ~t ~
r~ulr~ to, ~R ~e ~mn~r's ~te ~ ass~ u~lt~ally ~e ~t~s arising u~er ~e guaran~ In a ~nner sat~facto~ ~ Lender,
a~, ~ ~ So, cure any Event ~ Defa~t.
Inl~url~. L~er In ~ faith ~1t~ ~f
~re ~o~alons. ft a~ defa~, o~er ~n a default ~ ~y~t Is cura~e and ff I have ~t ~ ~ a ~t~e of a breach of ~e sa~ pro~s~n
~ ~b Note ~ ~ ~ ~e (12) ~s, Il ~y ~ c~ (a~ ~ evil of ~fault w~l ~ve ~urr~) ~ I, after r~e~ ~ ~
f~ L~ ~g cure ol s~h defauR: (1) cure the defa~t w~h flfle~ (15) days; ~ (2) If ~e cure r~ulr~ ~re ~n ~fle~ (15)
~t~ ~te ste~ ~ L~er d~s In Lear's s~e discretion ~ ~ s~l~t to cure ~e defa~t a~ thereafter conthue and
all reas~e a~ n~sa~ ste~ s~lent to ~e c~nce as s~ as reas~a~y pra~l.
LENDER'S RIG~. U~ default, L~er ~y, after giving s~h not~ as r~u~ by a~llca~e law, d~lare the entire unpa~ principal ~la~e ~
· ~ Note a~ all accm~ unpaid Interest ~ietely dH~. n.d th~n I wi~ p~y thai
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(penultuoo)
qlON AIdOSSIINOtid
;Lg/.Or, OOt~ ;aN ueo'l
cOP'(
Commerce
Bank.
October 04, 2001
ACT 91 NOTICE
TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE
This is an official notice that the mortgage on your home is in default, and the lender
intends to foreclose. Specific information about the nature of the default is provided in
the attached pages.
The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be.
able to help to save your home.
This Notice explains how the program works.
To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT
COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE.
Take this Notice with you when you meet with the Counseling Agency.
The name, address and phone number of Consumer Credit Counseling Agencies serving
your County are listed at the end of the Notice. If you have any questions, you may call
the Pem~s¥1vania Housing Finance Agency toll free at 1-800-342-2397. (Persons with
impaired hearing can call (717) 780-1869.
This Notice contains important legal information. If you have m~y questions,
representatives at the Consumer Credit Counseling Agency may be able to help explain
it. You may also want to contact an attorney in your area. The local bar association may
be able to help you find a lawyer.
LA NOTIFICACION EN AD JUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA
SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL
CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION
INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING
FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA.
PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO
"HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL
CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR
SU HIPOTECA.
Commeme Bank, N.A.
RO. Box 8599
100 Senate Avenue
Camp Hill, Pennsylvania 17001-8599
William A Hoover
57 Westwood Court
Enola, PA 17025
Commerce
Bank.
Property Address- 57 Westwood Court, Enola, PA 17025
Loan account number- 400207812
Original lender - Commerce Bank/Harrisbnrg, NA
Current Lender/Servicer - Commerce Bmflc/Harrisburg, NA
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FIANANCIAL ASSISTANCE WHICH CAN
SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE
FUTURE MORTGAGE PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU
MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE:
IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND
YOUR CONTROL,
· IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY
YOUR MORTGAGE PAYMENTS, AND
· IF YOU MEET OTHER ELEGIBILITY REQUIREMENTS ESTABLISHED
BY THE PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE--Under the Act, you are entitled to a
temporary stay of foreclosure on your mortgage for thirty (30) days fi'om the date of this
Notice. During that time you must arrange and attend a "face-to-face" meeting with one
of the consumer credit counseling agencies listed at the end of this Notice. THIS
MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS. IF YOU DO NOT
APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING
YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW
TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING YOUR
MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIES If you meet with one of the
consumer credit counseling agencies listed at the end of this notice, the lender may NOT
take action against you for thirty (30) days after the date of this meeting. The names,
addresses and telephone numbers of designated consumer credit counseling agencies for
the county in which the property is located are set forth at the end of this Notice. It is
Commeme Bank, N.A.
Re. Box 8599
100 Senate Avenue
Camp Hill, Pennsylvania 17001-8599
Commerce
Bank.
only necessary to schedule one face-to-face meeting. Advise your lender imm~ of
your intentions. --
APPLICATION FOR MORTGAGE ASSISTANCE--Your mortgage is in default for
the reasons set forth later in this Notice (see following pages for specific information
about the nature of your default.) If you have tried and are unable to resolve this problem
with the lender, you have the right to apply for financial assistance from the
Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out,
sign and file a completed Homeowner's Emergency Assistance Program Application with
one of the designated consumer credit counseling agencies listed at the end of this Notice.
Only constlmer credit counseling agencies have applications for the program and they
will assist you in submitting a complete application to the Pemasylvania Housing Finm~ce
Agency. Your application MUST be filed or postmarked within thirty (30) days of your
face-to-face meeting. '
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO
SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH
IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME
IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE
WILL BE DENIED.
AGENCY ACTION--Available fimds for emergency mortgage assistance are very
limited. They will be disbursed by the Agency under the eligibility criteria established by
the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a
decision after it receives your application. During that time, no foreclosnre proceedings
will be pursued against yon if you have met the time requirements set forth above. You
will be notified directly by the Pennsylvania Housing Finance Agency of its decision on
your application.
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A
PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS
FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE
CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT.
(If you have filed bankruptcy you can still apply for Emergency Mortgage
Assistance.)
HOW TO CURE YOUR MORTGAGE DEFAULT (Brine it up to date)
NATURE OF THE DEFAULT--The MORTGAGE debt held by the above lender on
your property located at: 57 Westwood Court, Cumberland County, Pennsylvania IS
SERIOUSLY IN DEFAULT because YOU HAVE NOT MADE MONTHLY
MORTGAGE PAYMENTS for the following months and the following amounts are now
past due: A parcial payment for August 01, 2001 - $338.00 plus late charges, September
01, 2001 - $558.00 plus late charges and October 1, 2001 -$558.00.
TOTAL AMOUNT PAST DUE: $1,509.80
Commeme Bank, N.A.
P.O. Box 8599
100 Senate Avenue
Camp Hill, Pennsylvania 17001-8599
Commerce
HOW TO CURE THE DEFAULT You ,nay cure the default within THIRT Bank'i
DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE
TO THE LENDER, WHICH IS $1,509.80 PLUS ANY MORTGAGE PAYMENTS
AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY
PERIOD. Payments must be made either by ca.~h~ cashier's check, certified check or
money order lnade payable and sent to:
Commerce Bank, Harrisburg N.A.
100 Senate Avenue
P.O. Box 8599
Camp Hill, PA 17001-8599
IF YOU DO NOT CURE TIIE DEFAULT--If you do not cure the default within
THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights
to accelerate the mortgage debt. This means that the entire outstanding balance of this
debt will be considered due immediately and you may lose the chance to pay the
mortgage in monthly installments. If full payment of the total amount past due is not
made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start
legal action to foreclose upon your mortgaged property.
IF THE MORTGAGE IS FORECLOSED UPON--The mortgaged property will be
sold by the Sheriff to pay offthe mortgage debt. If the lender refers your case to its
attorneys, but you cure the delinquency before the lender begins legal proceedings
against you, you will still be required to pay the reasonable attorney's fees that were
actually incurred, up to $50.00. However, if legal proceedings are started against you,
you will have to pay all reasonable attorney's fees actually incurred by the lender even if
they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender,
which may also include other reasonable costs. If you cure the default within the
THIRTY (30) DAY period, you will not be required to pay attorney's fees.
OTHER LENDER REMEDIES--The lender may also sue you personally for the
unpaid principal balance and all other sums due under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE If you have
not cured the default within the THIRTY (30) DAY period and foreclosure proceedings
have begun, you still have the right to cure the default and prevent the sale at any time ,p
to one hour before the Sheriff's Sale. You may do so by paying the total mnount then
past due, plus any late or other charges then due, reasonable attorney's fees and eost.~
connected with the foreclosure sale and any other costs connected with the Sheriff's Sale
as specified in writing by the lender and by performinE any other requirements under the
mortgage. Curing your default in the manner set forth in this notice will restore
your mortgage to the same position as if you had never defaulted.
EARLIEST POSSIBLE SHERIFF'S SAI.E DATE--It is estimated that the earliest
date that such a Sheriff's Sale of the mortgaged property could be held would be
approximately six months from the date of this Notice. A notice of the actual date of
Commerce Bank, N.A.
RO. Box 8599
100 Senate Avenue
Camp Hill, Pennsylvania 17001-8599
Commerce
Bank..
the Sheriff's Sale will be sent to you before the sale. Of course, the amount neede'l~'~
cure the default will increase the longer you wait. You may find out at any time exactly
what the required payment or action will be by contacting the lender.
HOW TO CONTACT THE LENDER:
Name of Lender:
Address:
Phone Number:
Fax Number:
Contact Person:
Commerce Bank, Harrisburg N.A.
100 Senate Avenue, P.O. Box 8599
Camp Hill, PA 17001-8599
(717) 975-5630
(717) 975-0581
David C. Amsden, Vice President
EFFECT OF SHERIFF'S SALE You should realize that a Sheriff's Sale will end
your ownership of the mortgaged property and your right to occnpy it. If you continue to
live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings
and other belongings could be started by the lender at any time.
ASSUMPTION OF MORTGAGE You may or X may not sell or trmasfer your
home to a buyer or transferee who will assume the mortgage debt, provided that all the
outstanding payments, charges and attorney's fees and costs are paid prior to or at the
sale and that the other requirements of the mortgage are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE
MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING
INSTITUTION TO PAY OFF THIS DEBT.
· TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON
YOUR BEHALF
TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO
DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER,
YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN
THREE TIMES IN ANY CALENDAR YEAR.)
TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE
PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE
MORTGAGE DOCUMENTS.
TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO
SUCH ACTION BY THE LENDER.
TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
Commeme Bank, N.A.
P.O. Box 8599
100 Senate Avenue
Camp Hill, Pennsylvania 17001-8599
Commerce
Bank.
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY
CCCS of Western Pennsylvania, Inc.
2000 Linglestown Road
Harrisburg, PA 17102
(717) 541-1757
FAX (717) 541-4670
Comnmnity Action Commission of the Capital Region
1514 Derry Street
Harrisburg, PA 17104
(717) 232-9757
FAX (717) 234-2227
Urban League of Metropolitan Harrisburg
2107 North Sixth Street
Harrisburg, PA 17101
(717) 234-5925
FAX (717) 234-9459
Financial Counseling Services of Franklin
31 West 3rd Street
Waynesboro, PA 17268
(717) 762-3285
YWCA of Carlisle
301 G Street
Carlisle, PA 17013
(717) 243-3818
FAX (717) 731-9589
Adams County Housing Authority
139-143 Carlisle St
Gettysburg, PA 17325
(717) 334-1518
FAX (717) 334-8326
Commerce Bank, N.A.
P.O. Box 8599
100 Senate Avenue
Camp Hill, Pennsylvania 17001-8599
$ ¢l
Certified Fee
(Endorsemer~t Required) Here
~ .... ~',~x~-~ A.
· Jlete items 1, 2, and 3. Also complete
item 4 if Restricted Delivery is desired.
· Print your name and address on the reverse
so that we can return the card to you.
· Attach this card to the back of the mailp~ece,
or on the front if space permits.
1. Article Addressed to:
C. Signature ~ j
X ~/ Addressee
D~l~'d~vsry address ~ferent from item 1.~ [] Yes
If YES. enter delivery address below: J;~.No
3. Service Type
--~"Certified Mail [] Express Mail
[] Registered [] Return Receipt for Merchandise
[] Insured Mail [] C.O.D.
4. Restricted Delivery? (Extra Fee) [] Yes
2. Article Number
~E~?o oooo 3~E~7 ~:.~oq
PS k~.,~ 381 1. March 2001
Domestic Return Receipt
102595-Or-M-1424
VERIFICATION
I, David C. Amsden, Vice President of Commerce Bank/Harrisburg, N.A., hereby
state that the foregoing document has been reviewed by myself and the facts set forth in the
document are true and correct to the best of my knowledge, info,xaafion and belief; and that
this statement is made subject to the penalties of 18 Pa. C.S. Section 4904 relating to
unsworn falsification to authorities.
DAVID C. AMSDEN, Vice-President
COMMERCE BANK/HARRISBURG
N.A.,
Plaintiff
WILLIAM A. HOOVER,
Defendant
1
: IN T~E COURT OF COMMON PLEAS
3UNTY,
: CUMBERLAND C
: PENNSYLVANIA
: NO.: 02-1879 Civ
: CIVIL ACTION -
PRAECIPE TO ENTER JUDGMENT
TO THE PROTHONOTARY:
Kindly enter judgment against Defendant for failure to take action
total amount of $59,817.80 plus interest, costs, and attorney's fees, breal
$ 50,300.00
$ 2,745.04
Balance of Principal
Accrued but Unpaid Interest
through 2/3/02
Accrued but Unpaid Interest
2/4/02 through 6/7/02
Late Charges
Attorneys' Fees
TOTAL
$ 1,284.12
$ 167.40
$ 5,321.24
$ 59,817.80
Attached hereto the Sheriff's Return and the 10-day Default
Service which was sent to the Defendant on May 22, 2002.
SERRATELLI, SCHIFI
& CALHOON, PC
Dated: June 7, 2002
L:~lconway~q~TITION~ooverjudgn~nt.jud-wpd
Suite 201, 2080 Linglest¢
Harrisburg, PA 17110
(717) 540-9170
Attorneys for Plaintiff
Term
,AW
a the above matter in the
down as follows:
otice with Certificate of
4AN, BROWN
/
wn Road
CERTIFICATE OF SERVICE.
I, Steven J. Schiffman, Esquire, hereby certify that I have se~
copy of the foregoing document, NOTICE OF INTENTION TO
JUDGMENT, by depositing such in the U.S. Mail, first class, post~
as follows:
William A. Hoover
57 Westwood Court
Enola, PA 17025
red a tree and correct
ENTER DEFAULT
tge prepaid, addressed
SERRATELLI, SCHIF ?MAN, BROWN
& CALHOON, P U
By ~/~~~
Steven J. Scl~man, E~uire
I.D. No.: 22548 /
Suite 201, 2080 Lingle~town Road
Harrisburg, PA 17110
(717) 540-9170
RETURN - REGULAR
CASE NO: 2002-01879 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
COMMERCE BANK/HARRISBURG NA
VS
HOOVER WILIAM A
CPL. MICHAEL BARRICK , Sheriff or Deputy
Cumberland County,Pennsylvania, who being duly swo
says, the within COMPLAINT & NOTICE was se~
HOOVER WILLIAM A
DEFENDANT
, at 1316:00 HOURS, on the 29th day
at 57 WESTWOOD COURT
ENOLA, PA 17025
WILLIAM HOOVER
;heriff of
;n according to law,
red upon
the
of April , 2002
by handin, to
a true and attested copy of COMPLAINT & NOTICE
and at the same time directing His attention to th.
Sheriff's Costs:
Docketing 18.00
Service 10.35
Affidavit .00
Surcharge 10.00
.00
38.35
Sworn and Subscribed to before
me this day of
A.D.
Prothonotary
So A~s3~e r~:
R. Thomas Kline
05/02/2002
SERRATELLI SCHIF~
By: /~
together with
contents thereof.
~S~f~riff
COMMERCE BANK/HARRISBURG
N.A.,
Plaintiff
V.
WILLIAM A. HOOVER,
Defendant
TO William A. Hoover
Defendant(s)
: IN THE COURT OF
COMMON
PLEAS
: CUMBERLAND COUNTY
: PENNSYLVANIA
:
: NO.: 02-1879 Civil
;
;
: CIVIL ACTION - I
You are hereby notified that on June/.~. 2002, the following (Or
has been entered against you in the above-captioned case.
Judgment in the amount of $59,817.80 plus interest.
Prothonotary
I hereby certify that the name and address of the proper person(s)
William A. Hoover
57 Westwood Court
Enola, PA 17025
A William A. Hoover Defendido/a
Defendidos/as
Por ests medio se le esta notificando que el __ del June
(O~0(t~*c~ (Fallo) ha sido enotado en contra suya en el caso menc!
Fecha:
Protonotario
Certifico que la siguiente direccion es la del defendido/a sgeun im
residencia:
William A. Hoover
57 Westwood Court
Enola, PA 17025
Abogado del Demandante
Term
er-) ~(Judgment)
to receive this notice is:
,2002, el/la siguiente
,nado en al epigrafe.
[icade en el certificado de