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Home My WebLink About94-00086 " , " " !, ., 'I J . f i, ~ \, ~ "\ \ ) , " " '! " ,. / , , " ,/ -- t" I I :7"1 (1"' 0'" ", J '. I '\ " ;,j*,,'It-,., ,~ ROUSSEAU MORTGAGF, CORPORATION, plaintJ.ff VB. ly JON R. BAUSSAMAN and MEI,ODY A. SAUSSAMAN, Defendants CIVIl, ACTION - I,AW IN MORTGAGE FORECLOSURE JIm~ You hav~ been sued in court. If you wish to defend against the olaims set forth in the following pages, you must take action within twenty (20) daya after this complaint and notice have been served. To defend against the aforementioned claims, a written appearance stating your defenses and objections must be ent.ered and filed in writing by you, the defendant, or by an attorney. You are warned that if you fail to take action against these claims, the court may proceed without you and a judgement for any money claimed in the complaint or for any other claim required by the plaintiff may be entered against you by the court without further notice. You may lose money, 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. QYHDERLAND ~QHfI Court Administrator, Cumberland county Courthouse Carlisle, Pa, 17013 ..- (717) 240-6200 HQUCU Le han demandado a usted en la corte. 5i usted qui ere defenderse de Bstas damandas expuastas en las paginas siguientes, usted tiene viente (20) dias de plaza al partir de la fecha de la demands y la notificacion. Usted debe presentar una apariencia escrita 0 en persona 0 por abogado y archival' en la corte en forma escrita sus defensas 0 sus objeciones alas demandas en contra de su persona. Sea avisado que si usted no se defiende, 1a corte tomara medidae y puede entral' una orden contra usted sin previo aviso 0 notifioacion y pOl' cualquiel' queja 0 alivio que eo pedido en 1a petioien de demanda. Usted puede perder dinero 0 sUs propiedades 0 otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABODAGO IMMEDIATAMENTE. 51 NO TIENNE ABOGAD 0 51 NO TIENE EL DINERO 5UFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA 0 I,LAME POR TELEFONE A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRIDA ABAJO PARA AVERIGUAR DONDE 5E PUEDE CONSEGUIR ASSISTENCIA I,EGAL: QYHiERLAND COUN7X Court Administrator, Cumberland County Courthouse Carlisle, Pa. 17013 -- (717) 240-6200 VB. IN THE COURT OF COMMON PLEAB CUMBERI,AND COUNTY I PENNBYINANIA NO. ROUSSEAU MORTGAGE CORPORATION, Plaint.itf JON R. SAUSSAMAN and MEI~DY A. SAUSSAMAN, Defendants CIVIL ACTION - I.AW IN MORTGAGE: FORECLOSURE COM P L "-Lll..I 1. Pllllntiff, Rousseau Mortgage corporation, is a corporat.ion having an office at 13111 Northwest Freew~y, Houston, Tx 77040. 2. Defendant.s, Jon R. Baussaman and Melody A. Baussaman, are adult. individuals whobe last known addres$ is Railroad Avenue, Bummerdale, pennsylvania 17093 and/or Post Office Box 392, Railroad Avenue, summerdale, Pennsylvania 17093. 3. On or about August 19, 1988, the said Defendants executed and delivered a Mortgage Note in the sum of $36,307.00 payable to Commonwealth Mortgage Company of America, which Note is attached hereto and marked Exhibit "A". 4. Contemporaneously with and at the time of the execution of the aforesaid Mortgage Note, in order to secure payment of the same, Defendant made, executed and delivered to original Mortgagee, a certain real estate Mortgage which is recorded in th~ Recorder of Deeds OfHce of the within County and Commonwealth in Mortgage Book 913, Page 889 conveying to original Mortgagee the subject premises. The mortgage was subsequently assigned to ROUSSEAU MOR'fGAGE CORPORATION as recorded in the wi thin County in Book 403, Page 117 on August 22, 1991. Said Mortgage and Assignment of Mortgage are incorporated herein by reference. 5. The land subject to the Mortgage is: Railroad Avenue, Summerdale, Pennsylvania 17093 and is more particularly described in Exhibit "0" attach~d h~reto. 6. The said Defendants are ths real owners of the land subjeot to the Mortgage. 7. The Mortgage is in default due tu the fact thl!lt Mortgagors have failed to pay the installment due on July 1, 1993 l!Ind all subsequent installments thereon, and the following amounts are due on the Mortgage: (8) Unpaid principal balance $ 33,014.04 (b) Interest at $9.63 per day from 1/1/93 to 1/1/94 (based on contract rate of 10.5\) 3,514.95 (0) Ll!Ite Charges at $10.86 per month for 6 months 65.16 (d) Escrow deficit (e) 5' Attorney's commission TOTAL 43.51 1. 831. 89 $ 38,469.55* *Together with interest at the per diem rate noted in (b) above after January 1, 1994 "nd other charges and costs to date of Sheriff's Salo. The attorney's fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and will be collected in the event of a third party purchaser at Sheriff's Sale. If the Mortgage is reinstated prior to the sale, reasonable attorney's fees will be charged that are actually incurred by Plaintiff. 8. No judgmont has been entered upon said Mortgage in any jurilldictlon. 9. Notice of intention to foreclose and to accelerate the loan balance has been given to the Mortgagors in accordance with Bmotion 403 of Pennsylvania Aot No.6 of 1974, but the Mortgagors h,lve failed to reinstate the Mortgage in accordance with the provisions thereof. A oopy of the Notice is attached hereto and made a part hereof as Exhibit "Cu. 10. Defendant is not a member of the Armed Forces of the United states of America, nor engaged in any way which would bring them within the Soldiers and Sailors Relief Act of 1940, as amended. 11. The subject Mortgage is insured by the Federal Housing Administration under Title II of the National Housing Act (12 U.B.C.A. Section 707 - 1715zl1) and therefore does not fall within the provisions of Pa. Act 91 of 1983 (Homeowners' Emergency Assistance Act of 1983). WHEREFORE, Plaintiff demands judgment in mortgage foreclosure against Defendants for the aforementioned total amount due together with interest at the rate of 10.5\ ($9.63 per diem), together with other char.ges and costs including escrow advances incidental thereto to the date of Sheriff's Sale and for foreclosure and sale of the property within described. PURCELL, ~R~~~LER, By .......---. ~' , ___ Leon P. Ha~~ Attorney for Plaintiff I. D. #15700 1719 N. Front street Harr.isburg, PA. 17102 (717) 234-4178 ... 3Tran\~v()rlll .O,,'QAOIOO...OIIIA"ON H TO, M~LOQY A SAUSSAMAN P.O. 'OX 392,RAILROAD A SUMMERDALE PA 17093 DATE, September 28, 1993 SU8JECT, Our Intention to Foreclc.. the MortgaQe on Premi..., RAIlRO AVEIIUE SUMMERDALE PA 17093 LOAN NO, 107673 NOTICE OF INTENTION TO FORECLOSE MORTGAGE The MORTGAGE held by ONMA I POOLS (hereinetter we, us or our) on your property loceted at RAILRO AVENUE, SUMMERDALE PA 17093, IS IN SERIOUS DEFAULT beceuse you have not mede the monthly payments ot 0407, O~ each, for the months ot ,July 93 through September 93. Late charges have elso accrued to this date in amount of $32,56, The total amount now required to curo this default, or in other words, get caught up in your payn,ents, as ot the date of this letter, is $1.278,74, On October 1. 1993 unother payment will be due, YOU MAY CURE THIS DEFAULT WITHIN THIRTY (30) DAYS OF THE DATE OF THIS LETTER, BY PAYING TO US THE ABOVE AMOUNT $1,278,74, PLUS ANY AODITIONAl MONTHLY PAYMENTS AND LATE CHARGES WHICH MAY FALL DUE DURING THIS PERIOD, Such paymunt must be made either by cashier's checl(, corti'fieel checl(, or' money order and made at, TRANSWORLD MORTGAGE CORPORATION, P,O, Box 200000, Houston, TX 77216-0975, If you do not cure this default within THIRTY (30) DAYS, HE INTEND TO EXERCISE OUR RIGHT TO ACCELERATE THE MORTOAGE PAYMENTS, This means that whatever is owing on the original nmount borrowed will be considere(f due immediately end you may lose ttl8 chance to payoff the original mort9age in monthly instal- lments, If full payment of tho amount of rlefault Is not made within THIRTY (30) DAYS, WE ALSO INTEND TO INSfRUCT OUR ATTORNEYS TO START A LAHSUIT TO FORECLOSE YOUR MORTGAGE PROPERTY. IF THE MORTGAGE IS FORECLOSED, YOUR PROPERTY Will BE SOLD BY THE SHERIFF TO PAY OFF THE MORTGAGE DEBT, If we refer your case to our attornoys, but you cure the default before they bogin legal prOCG- edings against you, you will stilL have to pay the reasonable Bttorney's fees, actually incurred, up to $50,00, Howevor, if legal proceedings are started against you, you will have to ~~y tho reasonahle Qttcrney's foes &ven it they ere over ~50,OO, Any attorney's hos will be odd.d to whatever you owe us, which may also include our reasonabie costs, IF YOU CURE THE DEFAULT WIfHIN THE THIRTY DAY PERIOD, YOU HILL NOT BE REQUIRED TO PAY ATTORNEY'S FEES, ('-- P,O, BOX 4508, 1I0USTON, TEXAS 17210-4508(713) 895-3950 1 800-725-9489 TOLL FR!E ~TransH)()rl{1 "O",QAOIOO"'O""'ION . (Pege ? of 2) H NOTICE Of INTENTIONS TO fOHECLOSE MORTOAOE We may el~o 8~. yo~ personally for Ihe "npaid principal balence end ell other sums due under Ihe mOrlual!e, If yO" have 1101 cured Ihe defeult within the thirty day period and foraclo~ura proce.dings have bauun, YOU STILL HAVE THE RIOHT TO CURE THE DEfAULT AND PHEVfNT THE SALE AT ANY TIME UP TO ONE HOUR BEfORE THE 5HEHIFf'S fOHECLOSUHE SALE, YOU MAY DO SO BY PAYINO THE TOTAL AMOUNT OF THE UNPAID MONTHLY PAYMEN1S PLUS ANY LATE OR OTHER CHAROES THEN DUE, AS WELL AS THE HEA50NABlE ATTORNEY'S FEES AND COSTS CONNECTED HITH THE rORECLOSUHE SALE, II i.. aslimated Ihal tha eadia,;1 dala thai such" Sheriff's sale could be held >lould b. approximalely ~la"ch 28, 1994, A nolice of Ihe dale of the Sheriff sale will be sent to you bofore the sale, Of courso, the amount needed to cure the default will incraase th" lonuer you >loi I. You may find oul at eny time exactly what ltlU required payment will be by cDllin~ us at the following number' 1-800"333-7302.. This payment must be in Ga~h, castlior's check, cortified chock, or money order and made payabl e to us a t the addr-fJSS statod above, You should realize that a Sheriff's sale will end your ownership of the mort- gaged proporty and your riuht to remain in it. If you continuo to live in the property aftor the Sheriff's $ale, a lawsuit could be started to evict you. Yay have addilionol riuhls 10 help prolect your inlerest in the property, YOU HAVE THE RIOHT TO SELL T~E PHOPERTY TO OR~IN MONEY TO PAY OFF THE MORTGAOE DEBT OH TO BORROH MONEY fROM ANOTHER LENDINO INSTITUTION TO PAY OFF THIS DEBT. (YOU MAY HAVE THE RIGHT TO SELL OR lRANSfER THE PROPERTY SUBJECT TO THE MORT- GAGE TO A BUYER OR TRANSFEREE WHO HILL ASSUME TilE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS. CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAl D PRIOR TO OR AT THE 5Al r.. (MID THAT THE OTHER REQUIRFMENTS UllDER THE MORT- GAGf ARE SATISFIED), CONTACT liS IO DETEHMINE UllDER ImAT CIRCIJMSTAtlCE5 THIS HIG/iT MIGHT EXIST>, YOU HAVE HIE RIGHT TO tlAVE THIS DEFAIJL T CURED BY ANY THIRD PARTY AC1ING ON YOUR BEHALF, If YOU CURE THE DEFAULT THE IF NO DEFAULT HAD OCCURHED, CURE YOUR DEFAULT MORE THAN MOHTGAGE WILL BE RESTORED 10 IHE SAME POSITION AS HOI-IEVER. YOU ARE NOT EllTITI.ED TO THIS RIGHT TO THREE TIMES IN AtIY CALENDAR YEAR, If 'you have any '1ue~lions, call Ro",e Marlinoz al (71.3) 895-3964, TRM~S"'ORlD /I0RTOAOE CORPORATION Collection Dapartme~1 ACT6 P,O, 80X 4~08. 1I0U5TON, TEXAS n21o.".~OB(71I) B95-3950 I 800-725-9489 TOLL FREE 3 Tran.\lvorkl 1II0",Q,,0IOO"'O""ION , H TO, MELODY A SAUSSAMAN RAURO AVENUE SUMMERDALE PA 17093 DATE, September 28. 1993 SU8JECT, Our Intention to foreclo.e the Mort~.~e on Premi.e., RA Il RO AVENUE SUMMEROALE PA 17093 LOAN NO, 107673 NOTICE Of INTENTION TO fORECLOSE MORTGAGE The MORTGAGE held by ONMA I POOLS (hereinafter we. us or our) on your property located at RAILRO A~ENUE. SUMMERDALE PA 17093. IS IN SERIOUS DEFAULT because you hava not made the monthly payments of $40],06 each. for' the months of July 9J through September 93. L~te charges have also accrued to this dJte in amount of '32,56. The total , , al~0unt now required to cure this default, or in ottler words, get caught up in your p.ayments. as of the dah of this lelter. is $1.278,]{t. On Odober 1. 1993 another payment will be due. YOU MAY CURE lHIS DEFAULT WITHIN THIRTY (30) DAYS OF THE DATE OF THIS LETTER. BY PAYING TO US HIE ABOVE AMOlIIlT $1.2/8,74. PLUS AtIY ADDITIONAL MONHll Y PAYMENTS AND lATE CHAROES WHICH MAY FAll DUE DURING THIS PERIOD, Such paymflnt ",ust be made eitt,er by cashier's check, certified check, or money order and made at, TRAfISl'WRlo MORTGAGE CORPORATION, P,O, Box 200000. Houston. TX n7.16-'0975, If you do not cure this default within THIRTY (30) DAYS. WE INTEND TO EXERCISE OUR RIGHT TO ACCELERATE THE MORTGAGE PAYMENTS, This moans that whatever is owing on tt,e originnl amount borrowed will be considered due immediately and you may lose the ch~ncc to PdY off tl,e original mortgage in monthly instal- lments. If full J1aYlnont of the nmount of default is not made within THIRTY (30) DAYS, WE AL30 INTEND TO INSTRUCT OUR ATTORNEYS TO START A lAWSUIT TO FORECLOSE YOUR MORTGAGE PROPERTY, IF THE MORTGAGE IS FORECLOSED. YOUR PROPERTY 1.lIll BE SOLI) BY HIE SHERIFF TO PAY OFF THE MORTGI,GE DEBT, If we refer your case to our attorr\~ys, hut you CU,"c t~lO (Icfault b~foro thAY begin legal proce- edin9s agninst you, YOll "'Jill still have to PilY the reasonable attorney's flees, actually incurred, up to $50,00. However, if legal proceedings are started against you, YO\l will hilve to pay tho reasonnbLe attorney's fees even if they arc oycr $50.00. Any attorney'u fees will be added to whatever you owe us. which may nlso include our reasonable casls, If YOU CURE THE DEFAULT WITIIIN THE THIRTY DAY PERIOD. YOU WILL NOT BE REQUIRED TO PAY ATTORNEY'S FEES. P,O, BOX ~508. HOUSTON. TEXAS 77210-4508(713) 895-3950 1 800-725-9489 TOLL FREE 3Tr{lnS~V()rkl "0"'0"'0' r.'JIIlPOR"TIOH " (Pelle 2 of 2) H NOTICE OF INIINTIONS TO FORECLOSE MORTGAGE w. may also sue you porsonally for the unpaid prin~ipitl balilnc.e and all other su,"", due und..r th.. mort.gage, If you hdv.. not cur..d the d..fault within the thirty day period and foreclosure proceedings haye begun. YOU STIll HAVE THE RIGHT TO CURE THE DEFAULT AND PREVENI THE SALE AT ANY TIME UP TO ONE HOUR BEfORE THE SHERIfF'S FORECLOSURE SALE, YOU MAY DO SO BY PAYINO THE TOTAL AMOUNT OF THE UNPAID MONrHlY PAYMENIS PLUS ANY lAfE ON OTHER CHARGES THEN DUE. AS flEll AS rHE REASONABLE ArTORNEY'S FEES AND CGSTS CONNECfED flllli TIlE FOREClOSURE SAlt', It b; ustim"dud that tho (lar"liost date ttwt such a Sh~r.if('s sale could be held would be apPl'oximately H~'rch 28, 1994, ^ l1otic;a of lhe dute of the Sheriff sale "lill be sont: to you be foro the s..lle. Of courso, tho amount needed to cure the dufaul t wi 11 increa~e the longer you \I-I<.~i t. You may find out at any time exactly what: the roquirud pnvment: will be by culliny us at: the following number I 1-800-333-]302, .This payment Inust bo in cash, cashier's c~'cck, certifiod chock, or money order and made payable to us at tho acl(Jress stated above, You sholJld realize ttlal a Shariff's sale will erld your ownership of the mort- uaged proporty and your rigt\t to remain in it. If you continue to live in the property after the Sheriff's sale, a lawsuit could be startod to evict YOll. You have additional rights to tlclp protect your int~rest in ttle properly, YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO 80RROfl MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT, IYOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORT- GAGE TO A 8UYER OR TRANSFE~EE flHO HIll ASSUME THE MORTGAGE DEBT. PROVIDED THAT All THE OUTSTANDI~G PAYMENTS. CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, (AND THAT THE OTHER REQUIREMENTS UNDER THE MORT- GAGE ARE SATISFIED), CONTACT US TO DETERMINE UNDER flHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST), YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF, IF YOU CURE THE DEFAULT THE IF NO DEFAULT HAD OCCURRED, CURE YOUR DEFAULT MORE THAN MORTGAGE flIll BE RESTORED TO THE SAME POSITION AS HOHEVER. YOU ARE NOr ENTITLED TO THIS RIGHT TO THREE TIMES IN ANY CALENDAR YEAR, If you have any ~uestions. call ROBe Martinez at (713) 895-3964. TRANSHORlD MORTGAGE CORPORATION Collection Department ACT6 P.O, BOX 4508. HOUSTON. TEXAS 77210-~508(713) 895-3950 1 800-725-9489 TOLL FREE 3Trans~v()rkl ..0",040100,,'-QRATION H TO. JON Ii SAUSSAMAN RAlLRQ AVENUE SUMMERDALE PA 17093 DATE. September 28, 1993 SUBJECT, Our Intention to for.olo.. tho Mortllage on Premis.s, RAILRO AVENUE SUMMERDALE PA 17093 LOAN NO, 107673 NOTICE Of INTENTION TO FORECLOSE MORTGAGE The MORTGAGE held by GNMA I POOLS (hereinafter We, U9 or our) on your property located at RAILRO AVENUE, SUMMERDALE PA 17093, IS IN SERIOUS DEFAULT beceuse you have not made the monthly payments of $407,06 each, for the months of July 93 through September 93, Late charges have also accrued to this date in amount of $32,56. The total amount now required to cure this default, or in other words, get caught up in your payments, es of the date of this l.tter, is $1.278,7'" On October 1, 1993 another paymont will b. due, YOU MAY CURE THIS DEFAULT HITHIN THIRTY (30) DAYS OF THE DATE OF THIS LETTER, BY PAYINO TO US TilE ABOVE AMOUNT $1,278.74, PLUS ANY ADDITIONAL MONTHLY PAYMENTS AND LATE CHARGES HHTCH MAY FALL DUE DURING THIS PERIOD, Such peyment must be made either by cashier's clleck, certified ctleck, or money order and made et, TRANSHORLD MORTGAGE CORPORATION. P,O, Box 200000, Houston, TX 77216-0975, If you do not cure this default within THIRTY (30) DAYS. WE INTEND TO EXERCISE OUR RIGHT TO ACCELERATE THE MORTGAGE PAYMENTS, This means that whatever is owing on the original amount borrowed will be considerod due immediately and you may lose the chance to payoff the originfll mortgago in monthly instal- lments, If full payment of the amount of defaull is nol made within THIRTY (30) DAYS. HE ALSO INTEND TO INSTRUCT OUR ATTORNEYS TO START A LAHSUIT TO FORECLOSE YOUR MORTGAGE PROPERTY, IF TilE MORTGAGE IS FOR~CLOSED. YOUR PROPERTY HILL BE SOLD BY THE SHERIFF TO PAY OFF THE MORTGAGE DEDT, If we refer your casalo our' attorneys, but you cure the default hefore they begin legal prete- edinus against you, you will still hav~to pay ttle reasdnable attorney's fees, actually incurred, up to ~50,OO. However, if logal proceedings are started against you, you will have to pay the rca~onable attorney's fees even if they are OV6r $50.00. Any attorney's fees will bo added to whatever you owe us, which may elso include our reasonable costs, IF YOU CURE THE DEfAULT WITHIN THE THIRTY DAY PERIOD, YOU H[LL NOT BE REQUIRED TO PAY ATTORNEY'S FEES. P,O, BOX 4~03, HOUSTON, TEXAS 77210-4508(713) 895-3950 I 800-725-9489 TOLL FREE 3'Trans\rv(Jrl{1 &lOIII'1QAOI CO"PORAYION (Pegll 2 of 2) H NOTICE Of INTENTIONS TO EORECLOSE MORTGAGE He mey elso SUll you personally for the unpaid principal balance end ell other eum.. due under the mortllAII'" I f you h;.ve not cured the deTaul t wi thin the thirty day period and foraclo,"ure proceedinll" h..ve bellun, YOU STILL tlAVE THE RIGHT TO CURE THE DEfAULT AND PREVENT THE SALE AT ANY TIME UP TO ONE HOUR BEFORE THE SHERIFF'S FORECLOSURE 5ALE, YOU MAY DO SO BY PAYING THE TOTAL AMOUNT OF THE UNPAID MONTIILY PAYMENTS PLUS ANY LATE OR OTHER CHARGES THEN DUE. AS WELL AS THE REASONABLE ATTORNEY'S FEES AND COSTS CONNECTED WITH THE FORECLOSURE SALE, It i" llstimatod that the earliest date that such a Sheriff's salo could be held would be approximately March 25. 199(" A notice of the date of the Sheriff sale will be sent to yoU before the sale, Of course. the amount naeded to ~"Irtl the default will increase the longor you wait. You ,nay find out at any timo exactly what the required payment will be by callin9 us at the following numbe.. 1"800--333-7302, Ttlis payment must be in cash, cashier's chock, certified chock, or money order and made payable to us at tho addr~ss 5tutod abovo, You should realize that a Sheriff's sale will end your ownership of the mort- gaged property and your right to remain in it. If you continue to live i" the property after the Sheriff's sale, a lawsuit could be started to evict you, You have additional rights to help protect you,' interest in the property, YOU HAVE THE RIOHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DE8T OR TO BORROH MONEY FROM ANOTHER LENDING I~3TITUTION TO PAY OFF THIS DEBT. (YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORT- GAGE 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 OTHE~ REQUIREMENTS UNDER THE MORT- GAGE ARE SATISFIED), CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIOHT MIGHT EXIST), YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF, IF YOU CURE THE DEFAULT THE IF NO DEFAULT HAD OCCURRED, CURE YOUR DEFAULT MORE THAN MORTGAGE WILL BE RESTORED TO THE SAME POSITION AS HOWEVER. YOU ARE NOT ENTITLED TO THIS RIGHT TO THREE TIMES IN ANY CALENDAR YEAR, If you have any questions. call Roga Martinez at (713) 895-396(.. TRANSWORlD MORTGAOE CORPORATION Collection Department ACT6 P.O, BOX 4508. HOUSTON, TEXAS 77210-4508(713) 895-3950 1 800-725-9489 TOLL FREE 3 Transworl{l "O"'QIQI COIt'QRA'IQN H TO. JON R SAUSSAMAN P.O. lOX 392,~AIlROAD A SUMMEROALE PA 17093 DATE. ~eptomber 21, 1993 SUBJECT. Our Intention to For.ole.. the Mortvage on Promi..., RAIlfW AVENUE 5UMMf.RDALE PA 17093 lOAN NO. 107673 NOTICE OF INTENTION TO FORECLOSE MORTOAGE The MORTGAGE hold by GNMA I POOLS (horeinafter wo, u~ or our) on your property located at RAILRO AVENUE, SUMMERDAlE PA 17093, IS IN SERIOUS DEFAULT because you have not made the monthly paymants of $407,06 each, for the months of July 93 throuQh September 93. Lata charges have also accrued to this date in amount of 032,56, The total amount now require,' to cure ttlis default, or in other words, get caught up in your payments. as of thOJ date of this hUer, i~ $1,278,7'1, On Odober I, 1993 another paym~nt will be due. YOU MAY CURE rHIS DEFAULT HI THIN THIRTY (30) DAYS OF THE DATE OF THIS LETTER. BY PAYING TO US THE ABOVE AMOUNT $1,278.74, PLUS ANY ADDITIONAL MONTHLY PAYMENTS AND LATE CHARGES HHICII MAY FALL DUE DURING THIS PERIOD, Such payment mus t be madllt ei ther by cashi er I scheck, corti fied checl<, or money order- and made at, TRANSWORLD MORTGAGE CORPORATION. P,O, Box 200000, Hou~ton. TX 77216-0975, If you do not cure this default within THIRTY (30) DAYS. WE INTEND TO EXERCrSE OUR RIGHT TO ACCELERATE THE MORTGAGE PAYMENTS, This means that whatever is oWi"g on t~le orIginal amOllnt borrowod will he consi,jered due immediately and you may los~ tho chance to payoff the original mortgage in monthly instal- lments, If full pay"ent of the amollnt of default is not made within THIRTY (30) DAYS. HE ALSO WTEND TO rrjST~UCT OUR ATTORNEYS TO START A LANSUIT TO FORfCLOSE YOUR MORTGAGE PROPERTY, IF THE MORTGAGE IS FORECLOSED, YOUR PROPERTY WILL BE SOLD BY THE SHERIFF TO PAY OFF THE MORTGAGE DEBT. If we refer your case to our Attor.neys, but you cure the defa'Jlt be foro ttlOY begin legal proco. edings against you, YOlJ will still h~ve to pay the reasonable attorney's fees, actui~lly incurrod, up to ~50,00. However, if ins!al proceedings are :!Ita,..ted against you, you will hove to pny the reasonable attorney's f095 even if they are over $50,00. Any attorney's fees will be added to whatever you owe us, which may also include our reasonable costs, IF YOU CURE THE DEFAULT WITHIN THE THIRTY DAY PERIOD, YOU HILL NOT BE REQUIRED TO PAY ATTORNEY'S FEES, P.O, BOX 4508, HOUSTON, TEXAS 77210-4508(713) 895-l950 I 800-725-9489 TOLL FREE ,..~'j 'r- ,,~ 3'TfrlnSl,;V()rkl MO"TO'G. CO"PORAfION (PaUll 2 of 2J H NOTICE OF INTENTIONS TO fORfClOSE MORTGAGE W. may 81.0 &1.18 you pftrsonally fur tho ulwsid pr.incipol balance end all other" sum" dUll under the mortgage, If you hav" not cured the default within tho thirty day poriod and foreclosure pr'oceedings have begul1, YOU STILL HAVE TH~ RIGHT TO CURE THE OEfAUlT AND PREVENT THE SALE AT ANY lIME UP TO ONE HOUR BEFORE THE SHERIFF'S fORECLOSURE SALE, YOU MAY DO SO BY PAYINO THE TOTAL AMOUNT OF THE UNPAID MONTHLY PAYMENTS PLUS ANY LATE OR OTHER CHAROES THEN DUE. AS HELL AS TilE REASONA8LE ATTORNEY'S FEES AND COSTS CONNECTED WITH THE FORECLOSURE SALE, It is estimated that the earliest dat.e that such a Sheriff's .,;ale could be held would be approXlmatllly March 28. 199'1, A notice of the d,de of the Sheriff saiD will be sent to you before ttle 8alc. Of course, tt\8 amount needed to cure the default will irlcreasc t~l~ lon~lor you wait, You may find out at any timu exactly what tho rccluired paymant will bo hy callino us at the following number I 1'-800",333-7302, This payment nlust be in cash, cashier's chock, certified chock, or' money or'der and made payable to us at the address st~ted above. You stlould realize that a Sheriff's Bale will end your o~/nership of the mort- ganed propo,..t:y and your ri{lht to rem,l1in in it. If you continue to live in the property after the Sheriff's sale, a lnwsuit could be started to e..,ict you. You have additional rights to tlclp ~rotect your interost in ttlO property. YOU HAVE THE RIGHT TO SEll THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTOAOE DEBT OR TO BORROW MONEY FROM ANOTHER lENDING INSTITUTION TO PAY OFf THIS DEBT, (YOU MAY HAVE THE RIGHT TO SEllaR TRANSFER THE PROPERTY SUBJECT TO THE MORT- OAGE TO A BUYER OR rr~AtISFEREf ~UIO IHLL ASSUME THE MORTGAGE DEBT. PfWVIDED THAT All THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S fEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, lAND THAT THE OTHER REQUIREMENTS UNDER THE MORT- OAGE ARE SATISFIED), COrlTACf US TO DETERMINE UNDER WHf.T CIRCll~lSTANCES TH.S RIGHT MIGHT EXIST), YOU HAVE HIE RIGHT TO HAVE THIS DFFAUl T CURED BY AtIY THIRD PARTY ACTING ON YOUR BEHALF, IF YOU CURE THE DEFAULT THE MORTGAGE HIll BE RESTORED TO THE SAME POSITION AS IF NO DEfAULT tlAD OCCURRED, tIOfIEVER, YOU ARE NOT E.tlnnED TO THIS RIGHT TO CURE YOUR DEFAULT MORE THMI THr~EE TIMES IN ANY CALENDAR YEAR, If you have any qu""tions. call Rose Martinez at (713) 895-396(,. TRANSHORlD MORTGAGE CORPORATION Collection Depertment ACT6 P,O, BOX (,508, HOUSTON. TEXAS 77210-(,508<713) 895-3950 1 800-725-9489 TOLL FREE J.; i':'\ , ,_) I, ....~\~.'Q '=.:1' ' ""-I :v--~ ;:t "J ~,~, ) ", ~~ ( '..I 't: '-.-)) --::1, ...., . ::E ... ,.. V. '-'I' " . _ ,.,:,_1'" Go," (,.. .I' ~ '" ". "".l t:'.) '~,,",, ,-ry L() '" 4' -, V1~ ~i t5 ~ t::!::: ~ ~~ .~ ~~ ~ -ij ~ ~ ~ I~ ~ ~~~ ~ r... . . 3 () , !!2 ~ f ~ ti;8 ~ . ~ ~ ~I 9- 1 " ~ ~ ~i5 ~ ~~ . . ....II.. .o"q"""l'" ""'1' ""~I,n"~,lr"I'Il'I'\II_,q,,_ . ROUSSi;AU MORTGAGE CORl'ORA'l'ION, Plalntift IN THE COURT OF COMMOIl PL~:A!l CUMI.IERLAND COUN'l'V, l'IWIISVLVJ\NIA VS. NO. 'oft') . i (J I I Ii I 1'114 JON R. SAUSSAMAN and MELODY A. SAUSSAMAN, Defendantll CIVIL AC'l'ION - LAW I IN MORTGAm; .'ORECLOSURE IIQfiQ.I You have been sued in court. It 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 have been served. To defend against the aforementioned claims, a written appearance stating your defenses and objections must be entered and filed in writing by you, the defendant, or by an attorney. You are warned that if you tail to take action against these claims, the court may proceed without you and a judgement for any money claimed in the complaint or tor any other claim required by the plaintiff may be entered against you by the court without further notice. You may loce money, property or other rights important to you. YOU SHOULD 'l'AKE THIS PAPER TO YOUR LAWYER AT ONCE. If' HAVE A LAWYER OR CANNOT Af'FORD ONE, GO TO on 'fEI,EPHONE FORTH BELOW TO F'IND OU'l' WHERE YOU CAN GE'l' LEGAl., HELP. YOU DO NOT THE OFFICE SET QI11'1.J1ERLAND Q.9JmT.I Court Administrator, Cumberland County Courthouse carlisle, Pa. 17013 -- (717) 240-6200 / H.Q'UQ!A Le han dcmandado a usted en la corte. si usted quiere defendersB de Betas damandas Bxpuastas en las paginas siguicntes, usted tiBns viente (20) dias de plaza al partir de 1a focha de la demanda y la notificacion. Usted de be presentar una apariencia escrita 0 en persona 0 por abogado y archivar en la corte en forma escrita sus defensas 0 sus objeciones alas demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y pueds entrar una orden contra usted sin previo aviso 0 notificacion y por cualquier queja 0 alivio que es pedido en la peticion de demanda. Usted puede perder dinero 0 sus propiedades 0 otros derechos importantes para usted. LLEVE ESTA DEMAtlDA A UN ABODAGO IMMEDIATAMENTE. SI NO TIENNE ADO GAD 0 SI NO TIENE E:L DINERO SUFICIENTE DE PAGAR TAL SERVIC10, VAYA E:N PERSONA 0 I,LAME POll. TELEFONE A LA OF'ICI.NA CUYA DIRECCION SE ENCUENTRA ESCRIDA ABAJO PARA AVER1GUAR DONDE SE PUEDE CONSEGUIR ASSISTENCIA I,EGAL: gJL"I!1:1RL1L~~OUN.U Court AdminIstrator, Cumberland county Courthouse Carlisle, Pa. 17013 -- (717) 240-6200 Exhibit "8" attached hereto. 6. The "aid Defendant8 are the real owners of the land subjeot to the Mortgage. 7. The Mortgage is in default due to the faot that Mortgagors have failed to pay the installment due on July 1, 1993 and all subsequent installments thereon, and the following amounts are due on the Mortgage: (a) unpaid principal balance $ 33,014.04 (b) Interest at $9.63 per day from 1/1/93 to 1/1/94 (based on contract rate of 10.5%) 3,514.95 (0) Late Charges at $10.86 per month for 6 months 65.16 (d) Escrow deficit 43.51 (e) 5% Attorney's commi~sion TOTAL 1.831.89 $ 38,469.55. .Together with interest at the per diem rate noted in (b) above after January 1, 1994 and other charges and costs to date of Sheriff's Sale. The attorney's fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and will be collected in the event of a third party purchaser at Sheriff's ~ale. If the Mortgage is reinstated prior to the sale, reasonable attorney's fees will be charged that are actually incurred by Plaintiff. 8. No judgment has been entered upon said Mortgage in any jurisdictIon. 9. Notice of intention to foreclose and to accelerate the loan balance has been given to the Mortgagors in accordance with seotion 403 of Pennsylvania Aot No.6 of 1974, but the Mort~a9ors have failed to reinstate the Mort9a~e in aooordanoe with the provisions thereof. A oopy of thu Notioe is attaohed hereto and made a part hereof as Exhibit "C". 10. Defendant is not a member of the Armed Foroes of the United states of America, nor en~aqed in any way whioh would brin~ them within the Soldiers and Sailors Relief Aot of 1940, as amended. 11. 'rhe subj eot Mortqa~e is insured by the Federa 1 Housin~ Administration under Title II ot tho National Housin~ Act (12 U.S.C.A. Section 707 - 1715z11) and therefore does not fall within the provisions of Pa. Act 91 of 1983 (Homeowners' Emer~oncy Assistanoe Act of 1983). WHEREFORE, Plaintiff demands jud~ment in mortga~e forecloeure against Defendants for the aforementioned total amount due together with interest at the rate of 10.5\ ($9.63 per diem), together with other oharges and coats inoluding escrow advances incidental thereto to the date of Sheriff's Sale and for foreclosure and sale of the property within described. :~RCELL, _~~~ER Leon P. ~ AttorneyH~~laintiff I. D. 115700 1719 N. Front Street Harrisburg, PA. 17102 (717) 234-4178 1'MJI COfIV FROM RECORD In Testimony whereof. I here UTI!') set 111~ hand and t ~I 01 saj C It at Carllslo, /'4 TN (ll _,d 0 .~.. 19 f - - '- ' PnltIlo ._/\) \ , .. ~7rans};v()rl(1 WOft'QAQIOOAPO".'ION H TO, MELODY A SAU5SAMAN P.O. BOX 392.RAILROAD A SUMMERDALE PA 17093 DATE, Soptember 28, 1993 SUBJECT, Our Intention to Foreolo.. the Mortgage on P~emi..., RAILRO AVENUE SUMMERDALE PA 17093 LOAN ND, 107673 NOTICE OF INTENTION TO FORECLOSE MORTGAGE The MORTGAGE held by GNMA I POOLS (hereinafter we, us or our) on your property located at RAILRO AVENUE. SUMMERDALE PA 17093. IS IN SERIOUS DEFAULT because you have not mado the n\onthly payments of *407,06 each. for' the months of July 93 through Septon\ber 9], Late charges have also accrued to this date in amount of $32,56, The total amo~nt now requir~d to cure this clefatllt, or in othor words, get caught up in your paYn\onts. as of the date of this letter. is $1,278,74, On October 1, 1993 another payment will bo clue, YOU MAY CURE THIS DEFAULT WITHIN THIRTY (]O) DAYS OF THE DATE OF THIS LETTER. BY PAYING TO US THE ABOVE AMOUNT $1.278,14. PLUS ANY ADDITIONAL MONTHLY PAYMENTS AND LATE CHARGES WHICH MAY FALL DUE DURING THIS PERIOD, Such payment must be made either by cast\iorls checll. certified checlt, or money order and made at, TRANSWORLD MORTGAGE CORPORATION. P,O, Box 200000. Houston. TX 11216-0975, If you do not cure this default within THIRTY (]O) DAYS, WE INTEND TO EXERCISE OUR RIGIIT TO ACCELERATE THE MORTGAGE PAYMENTS, This mAans that whatever is owing on the original amount borrowed will be con$ider0(1 due immediately and you nlay lose the chance to payoff the original mortgage in monthly instal- lments. If full paynlcnt of tile am~unt of default is not mad~ within THIRTY (30) DAYS. WE ALSO INTEND TO INSTRUCT OUR ATTORNEYS TO START A LAWSUIT TO FORECLOSE YOUR MORTGAGE PROPERTY, IF THE MORTGAGE IS FORECLOSED. YOUR PROPERTY WILL BE ~OLD BY THE SHERIFF TO PAY OFF THE MORTGAGE DEBT, If we refer your case to our attorney~;, but you cure the (fefault before they begin legal proce- edings against you, you will still have to pay tt,s reasonable attorneyls fees, actually incurred, up to $50.00, However, if legAl proceedings are started against you, you will have to pay the reasonable attorney's fees even if they are over $50.00. Any attorn~y's fees will be added to whatever you owe us. which n\ay also include our reasonable costs, IF YOU CURE THE DEFAULT WITHIN THE TIIIRTY DAY PERIOD. YOU WILL NOT BE REQUIRED TO PAY ATTORNEY'S FEES. " L P,O, BOX 4508. HOUSTON, TEXAS 77210-450&(71]) 895-3950 I 800-725-9489 TOLL FREE ~ Tran,\l'rvorlll ",O",QAOI COMf'ORAJIOH (Paue 2 Q1 2) tl NOTICE Of INTEHIIONS TO fORECLOSE MORTOAGE He may e150 sue yell.1 personally for the unpaid prirH.~ipal balance and all other SU"1i due under the mortgauo, If you havo not cured tho dofault within the tlurty day period lOnd for'eclosuro proccedings have bU9un, YOU STILL HAVE nlE RIGHT TO CURE THE DEFAULT AND PREVENT THE SALE AI ANY TIME UP TO ONE HOUR BEFORE THE SIIERIFF'S FORECLOSURE SALE, YOU MAY DO SO BY PAYING THE TOTAL AMOUNT OF TilE UNPAID MONTHLY PAYMENTS PLUS ANY lATE OR OIliER CHARGES THEN DUE, AS WEll AS THE REASONABLE ATTORNEY'S FEES AND COSTS CONNECTED WITH THE FORECLOSURE SALE, It is eslimaled th..t lhe earli"st dalo that such a Sheriff's salo could be h"ld would b. aporoximately March 28, 1994, A notico of the date of the Sheriff sale will be sent to you boforo the sale. Of course, the amOu"t needed to cure ttlo default will ir\crcasc ttlC lonu~" you wait. You may find out at any time exactly \l/hat: ,the required payment \I,ill be by calling us at the following number. 1-800-333-7302, This payment must: be in cash, cashier's check, cartified chock, or money order and mode payable to us at the aejelress stated above. You should realize that a Sheriff's sale will end your ownership of the mort- gaged property ane' your right to r~main in it. If you corltinue to live in the proper tv after the Sheriff's sale, a lawsuit could be started to eviot you. You have additional rights to help protect your interost: in the properlv. YOU HAVE THE RIGHT TO SEll THE PROPERTY TO OBTAIN MONEY TO PAY OFF TilE MORTGAGE DEBT OR TO BaRRON MONEY FROM ANOTHER lENDING INSTITUTION TO PAY OFF THIS DEBT, (YOU MAY HAVE THE RIGHT TO SEll OR TRANSFER TilE PROPERTY SUBJECT TO THE MORT- GAGE TO A BUYER OR TRANSfEREE WHO HIll ASSUME TilE MORTGAGE DEBT. PROVIDED THAT All THE OUTSTANDING PAYMENTS. CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE. (ANa THAT THE OTHER REQUIREMENTS UNDER THE MORT- GAGE ARE SATISFIED), CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST), YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF, IF YOU CURE TilE DEFAULT THE IF NO DEFAULT HAD OCCURRED, CURE YOUR DEFAULT MORE THAN MORIGAGE Hill BE RESTORED TO THE SAME POSITION AS HOHEVER, YOU ARE NOT ENTITLED TO THIS RIGHT TO THREE TIMES IN ANY CALENDAR YEAR, If you have any questions, call Rose Martinez at (713) 895-3964. TRAHSHORlD MORTGAGE CORPORATION Collection D6partment ACT6 1',0, ~OX 4508. HOUSTON, TEXAS 77210-4508(713) 895-3950 1 800-725-9489 TOll FREE 31"rlnS~v{)rl(i MO"'QAQI CORPORATION , H TO, MELODY A $AUSSAMAN RAILRO AVENUE SUMMERDALE PA 17093 DATE, September 28. 1993 SUBJECT, Our Intention to Foreclo~. the Mortgage on Pr'emie.., RAILRO AVENUE SUMMERDALE PA 17093 LOAN NO, 107673 NOTICE OF INTENTION TO FORECLOSE MORTGAGE The MORTGAOE held by GNMA I POOLS (hereinafter we. us or our) on your property located at RAILNO AVENUE. SUMMEROALE PA 1709~. IS IN SERIOUS DEFAULT beceuse you have not mad.. tho monthly payments of $1,01,06 each. for the months of July 9J through September 93, Lote Ch.H'UOS hilvn nl!"io Hcc,.ufJd to thi~ d.lto in amount of $3~.56. The total ' . amount now rlHluired to C:Ur"I. thi!l defLHdt, a" in other words, get caught up in Your pilymonts. os 0' tho dilt. of thl. lott.r. is $1.278,74, On October 1. 1993 al\nth~,. I1ilynUlnt \o/l11 bn duo, YOU MAY CURE lHI5 DffAUll WITHIN THIRTY (301 DAYS OF THE DATE OF THIS LETTER. 8Y PAYING TO US THE A80Vf AMOUNT 11.278,74. PLUS ANY AODITIONAL MONTHLY PAYMINIS AND LAIE CHARGES WHICH MAY FALL DUE DURING THIS PERIOD, Such payment "tun t ho Mlado oi HuH' by r.:<HI~li or I schock, cer ti fi ed check I or money order and m.,d. 01, TRAlBl-IORl D MURTOMJE CORPORA1l0N. 1',0, Box 200000. Houslon. TX 11216~0?/5, If you do not cur. this default within THIRTY (301 DAYS. WE INTEND TO EXERCISE OUR Rlll~1f 10 AcCH.Ell/ITE TIlE MORTGAGE PAYMENTS, Thi" means that whatever is owinu on till' orivinnl amount. bar'rowed will be considored due immediately "and VOl' may lo~o tho c~'Anco to payoff tho oriuinal Mortgage in monthly instal- lmtmt!"), If full PilYlnlHlt of tho nmount of default is not rnad~ within THT.RTY (~O) DAYS. WE ALSO INTEND TO INSTRUCT OUR ATTORNEYS 10 START A LAWSUIT TO FORECLOSE YOUR MORTGAGE PROPERTY, IF THE MORTGAGE IS FORECLOSED. YOUR PROpreRTY HII.l H SOL 0 BY TIlE SHERIFF TO PAY OFF THE MORTGI.GE DEBT, If WP. rflfar your casn to OUr uttor'loy~, blJt you cure t~le default before they begin legal prQce- oding~ nuainst you, you will still have to pay tile reasonahle attorney's fees, ItC tun 11 y i nC\Jrred, up to $!tO, 00 . However I if 1 ega 1 proceedi ng$ are sta rted "~~in~t you, you will have to pay the reasonable attorney's fee~ even if tt,OY aro ovor 050.00, Any attorn@v's tees will be Acfdoc' to whatever you owe u~. ..hleh ",,,y 01"'0 include our reasonable costs, IF YOU CURE THE DEFAULT WIIIIIN TilE THIRTY DAY PERIOD. YOU WILL NOT BE REQUIRED TO PAY ATTORNEY'S FEES, p,o, nox /,5011. HOLJTTON. TEXA~ '17210-1,508(7131895-3950 1 800-725-91,89 TOll FREE '.. ~ 7'rrlflsJrvorkl UORTGAQIOO....O""IO" (Palla 2 of 2) H NOTICE OF INTfNTIONS TO FORfCLOSE MORTGAGE He may also sue you personally for the ullp~id prin~ipal balance and all other sums due under the ltIol'tgaga, r f you havo no t cur'ad tho dofaul t wi thin the thir-ty day par-iod and for'llclosur-e proceedings have begun. YOU STILL IIAVE THE RIGHT TO CURE THE DEFAULT AND PREVENT TilE SALE AT ANY TIME UP TO ONE HOUR bEFORE THE SIIERIFF'S fORECLOSURE SALE, YOU MAY DO SO BY PAYING THE TOTA~ AMOUNT OF THE UNPAID MONTHLY PAYMENTS PLUS ANY LATE OR OTHER CHARGES THEN DUE. AS WEll, AS THE REASONABLE ATTORNEY'S HES AND COSTS COtllH'CTED WITH THE fORECLOSURE SALE, It is estimated that the llarliast date that such a Sher-iff's sale ~ould be held would be appr-oximately tlar'ch 28. 1994. A notice of tha date of the Shor-iff sale will be sent to you be fora the sale, Of cour-se, the amount needed to cure the dofault will increase the longer- you wait, You may find out at any time exactly what the required payment will be by calli g us at the following numbar. 1-800-333-7302, This payment must be in cash, cashier's check, certifi.o chock, or money order and made payable to us at the addr'o5s stated hbovo. You should reali~o that a Sheriff's sale will enct your gaged property end your r-ight to remain in it, If you the pr-operty after the Sher-iff's sale. a lawsuit could wnership of the mort- ontinue to live in be star-tad to evict you. You hava edditional rights to halp protect your- interest in the property, YOU 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 DEDT, (YOU MAY HAVE THE RIGHT TO SELL OR TRANSfER THE PROPERTY SUBJECT TO THE MORT- GAGE TO A BUYER OR TRANSFEREE WHO HILL 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 UNDER THE MORT- GAGE ARE SATISFIEO), CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST), YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED DY ANY THIRD PARTY ACTING ON YOUR BEHALF, I~ YOU CURE THE DEFAULT THE IF NO DEFAULT HAD OCCURRED, CURE YOUR DEFAULT MORE THAN MORTGAGE WILL DE RESTORED TO THE SAME POSITION AS HOWEVER, YOU ARE NOT ENTITLED TO THIS RIGHT TO THREE TIMES IN ANY CALENDAR YEAR. If you have any questions. call Rose Martinez at (713) 895-3964. TRANSWORLD MORTGAGE CORPORATION Collection Department ACT6 P.O, BOX 4508. HOUSTON. TEXAS 77210-4508(713) 895-3950 1 800-725-9489 TOLL FREE ........ 3 TrllnS~V()f1l1 MOflTGAQIOORPORAT'ON H TO, JONN SAUSSAMAN /lAIlRO AVENUf. SUMMf./lDAlE PA 17095 DATf., September Z8. 1993 SUBJECT, Our Intention to ForeclOll1l the Mort"~lle on Prem!.II.' RAIlRO AVENUE SUMMERDALf. PA 17093 lOAN NO. 107675 NOTICE OF INTENTION TO FORECLOSE MORTGAOE Tho MO/lTOAOE hold by GNMA I POOLS Iherein~fter we. us or our) on your property loceted et RAILRO AVENUE. SUMMERDALE PA 17093. IS IN SERIOUS DEFAULT beceuse you heve not modo the mOllthly payments of ~407,06 each. for tho months of July 93 thrOIJllh Septoml".r 93, l.te charg'HJ have al.!Jo accrued to this d,'l,tc in Amount of $32.56. The total "mount now recluired to ClIr-O this defaul t, or' in other words, get caught up ,in your peyments. as of tho d<lta of this letter. i.s $1.278,7't, On October I. 1993 a"othor p~lym<<Hlt will ~HJ cillO. YOU MAr CU~E THIS DEFAULT WITHIN TIIIRTY (30) DAYS OF THE DATE OF THIS LETTER. BY PAYING TO US THE ABOVE AMOUNT 'I.Z78,74. PLUS ANY ADDITIONAL MONTHLY PAYMENIS AND LATE CHAROES WHICH MAY FALL DUE DURING THIS PERIOD, Such payment mus t tJ8 made III thor by ci.1shi er IS chElck, ce,.. t.i fi ad Ch"ICk I or money order and made et. TRANS,IORLD MORTOAGE CORPOT~ATlON. ["D. Box 200000, Houstoll, TX l7216-0975, If YOU do not cure this d.'<lult within THIRTY (30) DAYS, WE INTEND TO EXERCISE OUR RIGIIT TO ACCELERATE THE MORTGAGE PAYMENTS, This mOAns that whatever is owir\~ on tt18 original anlOullt k)or'rowed will be consider~d (lue immediately and you may lose tho chance to payoff the original mortgage in monthly instal- lments, If full payment of the amount 0' default is not made within THIRTY (,\0) DAYS. ~IE ALSO HnE.tID TO INSTRUCT OUR ATTORNEYS TO START A LMISUIT TO FORECLOSE YOUR MORTGAGE PROPERTY, IF THE MORTGAGE IS FORECLOSED. YOUR PROPERTY l'Ill.L BE SOlD BY WE StttRIFF TO "AY OFF HIE MOIHGAGE DEBT, If we refer your CHSe to our nttorn~ys, b\lt you cure ttlO ('efault before they begin legal proce- edinU!1 1I\I"innt you, you will !,till hovo to pny the reasonable attorney's fees, actUAlly incurred, up to $.50,00. Howover, if leual proceedings are started a~ninst you, you will tlBve to pny the reasonable attorney's f~es even if they itre Ovnr .50,00, Any attorney's fees will be added t.o whatever you owe us. which may also includo our reasonable costs, IF YOU CURE THE DEFAULT HITHIN THE TttIRTY DAY PERIOn. YOU HILL NOT BE REQUIRED TO PAY ATTORNEY'S FEES. ",0, BOX ~508. tIOUSTON. TEXAS 71210-',508(713) 895-3950 I 800-125-9'.89 TOll FREE .,t. ~Trans~vorl{1 MORTOIO. CORPORATION (Pa~. 2 of 2) NOTICE OF INTENTIONS TO FORECLOSE MORTGAGE W.. may 8180 SUe you personally for tho u"paid principal bohnce and 1111 other 8Um. due undar the mortgal/o. If you have not curod the default within the thirty day period and foroclosuro proceodinl/s havo bill/un. YOU STILL UAVE THE RIGHT TO CURE THE DEFAULT AND PREVENT THE SALE AT ANY TIME UP TO ONE HOUR BEFORE TilE SHERIFF'S FORECLOSURE SALE, YOU MAY DO SO BY PAYINO THE TOTAL AMOUNT OF THE UNPAID MONTIILY PAYMENTS PLUS ANY lATE OR OTHER CHAROES THEN DUE. AS WELL AS THE REASONABLE ATTORNEY'S FEES AND COSTS CONNECTED WITH THE fORECLOSURE SALE, It is estimatod that the o",'liest date that such a Sheriff's ISale could be held would bo approximately March 28, 199't, A notice of the date of the Sheriff sale will be sent to you before the sale, Of course. tho amount neoded to curl! the defaul t \>Ii 11 increase tho longor you wai t, You may fi nd out at any time exactly what the roquired payment will be by calling U9 at the followinl/ number, 1-800-333-7302, This payment must be in cash, cashier's chock, certified check, or money order and Made payablo to us at tho Q(Jdross stated above. You should realize that a Sher'iff's sole will end your ownership of the mort- gaged property and your right to remain in it. If YOIJ corltinuQ to live in the property after the Sheriff's sale. a lawsuit could be started to evict yoU, You have edditional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL HIE PROPERTY TO OBTAIN MONE)' 10 PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER lENDING INSTITUTION TO PAY OFF THIS DEBT, (YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORT- GAGE 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 TC OR AT THE SALE. (AND THAT THE OTHER R[QUIREMENTS UNDER THE MORT- GAGE ARE SATISFIED), CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIOHT MIGHT EXrST), YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF, IF YOU CURE THE DEFAULT THE MORTGAGE WILL DE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, HOWEVER. YOU ARE NOT ENTITLED TO THIS RIOHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES III ANY CALENDAR YEAR. If you have any questions. call Rose Mnrtinez at (713) 895-3964. TRANSHORLD MORTOAGE CORPORATION Collection Dopartment ACT6 P,O, 80X 4508, HOUSTON, T!XAS 77210-4508(713) 895-3950 I 8BO-725-9489 TOll FREE H ~lransw()rld MO"'OAO'OORPORATION H TO, JON R SAUSSAMAN P.O. BOX J92.RAILROAD A SUMM~RDALE PA 17093 DATE, September 2a, 1993 SUBJECT. Our Intention to For8clo.. the Mortgage on Premi..., RAILRO AVENUE SlIMMERDAl E PA 17093 LOAN NO, 107673 NOTICE OF INTENTION TO FORECLOSE MORTGAGE The MORTGAGE held by GNMA I POOLS (hereinafter woo u~ or our) In your property located at RAIlRO AVENUE. SUMMERDAlE PA 17093. IS IN SERIOUS DEFAULT beaeuse you have not made the monthly payments of $407,06 each. for the month$ of July 93 through September 93, late charges have also accrued to this date in amount of '32,56, The total amount now required to cure this default, or in other words, get caught up in you" pay.,ents. as of the date of this letter. is $1.278,7", On October 1, 1993 a"othcr payment will be due. YOU MAY CURE THIS DEFAULT WITHIN THIRTY (301 DAYS OF THE DATE OF THIS lETTER. BY PAYING TO US THE ABOVE AMOUNT $1.278,7~. PLUS ANY ADDITIONAL MONTHLY PAYMENTS AND LATE CHARGES WHICH MAY FAll DUE DURING THIS PERIOD, Such payment must be madg either by cashier's check, certifi~d chocl<, or money order end made at, TRANSWORLD MORTGAGE CORPORATION. P,O, Box 200000. HOllston. TX 77216-0975, If you do not cure this default within THIRTY (30) DAYS. HE INTEND TO EXERCISE OUR RIGHT TO ACCElERATE THE MORTGAGE PAYI'IENTS, This ",eans .that whatever is owing on the orIginal amount borrowed will be considered du~ immediately and you may 10so the chance to payoff the original mortgage in monthly instal- lments, If full payment of the emollnt of default is not made within THIRTY (30) DAYS. WE ALSO INTEND TO I~STRUCT OUR ATTORNEYS TO START A lAWSUIT TO FORECLOSE YOUR MORTGAGE PROPERTY, IF THE MORTGAGE IS FORECLOSED. YOUR PROPERTY HILL BE SOLD BY THE SHERIFF TO FAY OFF THE MORTGAGE DEBT, If we refer your case to our attorneys, but you cUr~ tho default before they begin legal proce- edings against you, you will still have to pay the reasonable attorney's fees, ectually incurred. up to $50.00, However. if legal proceedings Bre sterted against you, you will have to pay the reasonable nttorney's f~es even if they are over $50,00, Any attorney's fees will be edded to whatever you owe us. which may also include our reasonable costs, IF YOU CURE THE DEfAULT WITHIN THE THIRTY DAY PERIOD. YOU WILL NOT BE REQUIRED TO PAY ATTORNEY'S fEES, P,O, BOX 4508. HOUSTON. TEXAS 77210-~508(713) 895-3950 I 800-725-9~89 TOll FREE '~~'.. I ., 'j',. 31ransJ,;vorkl ..O..,Q'\OI cO"'O".'IOH (Palla Z of Zl H NOTICE OF INTENTIONS TO FORECLOSE MORTGAGE Wa may al..Q ",ue ygU p~rsgnally fgr the unpaid principal balance end all other ..um.. due IInd..r the mgrtgage, If YOII have not cllred the defalllt within the thirty day period and foreclosure proceedings have bogll", YOU STILL HAVE THE RIGHT TO CURE THE DEFAULT AND PREVENT IIlE SALE AT ANY TIME UP TO ONE HOUR BEFORE THE SHERIFF'S fORECLOSURE SALE, YOU MAY DO SO BY PAYING THE TOTAL AMOONT OF THE UNPAID MONTHLY PAYMENTS PLUS ANY LATE OR OTHER CHARGES THEN DUE. AS WELL AS TilE REASONABLE ATTORNEY'S FEES AND COSTS CONNECTED WITH TilE FORECLOSURE SALE, It is estimated that the oarliest dato that ..IIch a Sheriff's sale 'could be held would be approximately March 28, 1994, A notice of tho date of the Sheriff sale will be sent to you before the ..ale, Of course. the amount neoded to cure the default will Increase the longer you wait, You may find out et any time exactly what ttle requit'ed payment will be by cnlling us at the following number' 1-800-3Hn7 ,~02, This payment must bu in cosh, cashier's check, certi fied chock, or money order and made payable to us at \1'0 address stated above, You should realize that it Sheriff's sale will end your o\omor'ship of tho mort- gSD6d property and your right to remain in it. If you continuo to live in ttlO property after the Sheriff's sale, 0 lawsuit could be started to evict you, You have additional riuhts to help protect your interest in the property. YOU IIAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO fAY OFF THIS DEBT, (YOU MAY HAVE THE RIGHT TO SELL OR TRANSF~R THE PROPERTY SUBJECT TO THE MORT- GAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME TH~ MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES ANO ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, (AND THAT THE OTHER REQUIREMENTS UNDER THE MORT- GAGE ARE SATISFIED), CONTACT US TO DETERMIN~ UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGfIT EXIST), YOU HAVE HIE RIGHT TO tlAVE THIS DEFAULT CURED BY ANY HURD PARTY ACTING ON YOUR BEHALF, IF YOU CURE THE DEFAULT THE MORTGAOE WILL BE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, NOHEVER. YOU ARE NOT ENTITLED TO THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR. If YOU have any questions. cell Rose Martinez at (713) 895-3964. TRANSWORLD MORTGAGE CORPORATION Collection Department ACT6 P,O, BOX "508. tIOU5TON. TEXAS 17210-,,508(713) 895-3?50 I 800-725-9489 TOll FREE ,\ ROUSSEAU MORTGAGE CORPORATION, Plaintiff IN 1'IIE COUR1' OF COMMON PLEAS CUMBf;RI,AND COUN'l'Y, PENNSYINANIA vu. NO. (){ (I ( Ii ( C /h4 JON R. SAUSSAMAN and MELODY A. SAUSSAMAN, Defendants CIVIL ACTION - LAW IN MORTGAOt; FORt~Cr.oSURE HOTICII You have been sued in court. If you wish to dsfend against. the claims oet forth in the following pages, you muet take action within twenty (20) days after this complaint and notice have been served. To dufend against t.he aforementioned claims, a writ.ten appearance stating your defenses and objections must be entered and filed in writing by you, the defendant, or by an attorney. You are warned that if you fail to take action against these claims, the court may proceed without you and a judgement for any money claimed in the complaint or for any other claim required by the plaintiff may be entered against you by the court without further notice. You may lose money, property or other rights important to you. YOU SHOUl.D TAKE TillS PAPER TO YOUR LAWYER A'1' ONCE. IF YOU 00 NOT IIAVE A LAWH;R OR CANNOT AF'FORD ONE, GO '1'0 OR 'l'ELEPHONE THE OFFICE SET FORTH BELOW TO F'IND OUT WHERE: YOU CAN GE'l' LEGAL, HELP. CUMBERLAN~HTX Court Administrator, cumberland County Court.house Carlisle, Pa. 17013 -- (717) 240-6200 HQ1'I,QJ.A Le han demandado a usted en la corte. Si usted quiere defenderse de estas damandas expuastas en las paginas siguientes, usted tiene viente (20) dillS de plazo al partir de la feeha de la demanda y la notifieacion. Usted debe presentar una apariencia escrita 0 en persona 0 pOl' abogado y archival' en la corte en forma escrita sus defensas 0 SUS objeciones alas demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede entrar una orden contra usted sin previo aviso 0 notificacion y pOl' cualquier queja 0 alivio que es pedido en la peticion de demanda. Usted puede perder dinero 0 sus propiedades 0 otros derechos importantss para usted. LLEVE ESTA DEMANDA A UN ABODAGO IMMEDIATAMENTE. SI NO TIENNE ABOGAD 0 S1 NO TIENE F:L DINERO SUnCIEN'I'E DE PAGAR TAL SERVIC10, VAYA EN PERSONA 0 LI,AME POR TELEE'ONE A I,A OF'ICINA CUYA DIRECCION SE ENCUENTRlI ESCRlDA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGU1R ASSISTENCIA LEGAL: QYHJ!ERLM!~.!U!.T.x Court Administrator, Cumberland county Courthouse carliSle, Pa. 17013 -- (717) 240-6200 ROUSSEAU MORTGAGE CORPORA'l'ION, Plalnt.lff IN TIlE: COUR'I' Ot' COMMON PI,EAS CUMBt:RLANO COUN'l'Y, Pt~NNSVl.vANIA VB. NO. JON R. SAUSSAMAN and MELODY A. BAUSSAMAN, Defendant.s CIVIL AC1'ION - LAW I IN MOR'l'GAGE FORECI,OSURF, ~.,g__lLl'....k.JLLU._T. 1. Plaintiff, Rousseau Mortgage Corporation, is a corporation having an office at 13111 Northwest Freeway, Houston, Tx 77040. 2. DefendantB, Jon R. Saussaman and Melody A. Baussaman, are adult individuals whose last known address is Railroad Avenue, Summerdale, Pennsylvania 17093 and/or Post Office Box 392, Railroad Avenue, Summerdale, Pennsylvania 17093. 3. On or about August 19, 1988, the said Defendants executed and delivered a Mortgage Note in the sum of $36,307.00 payable to Commonwealth Mortgage Company of America, which Note is attached hereto and marked Exhibit "A", 4. contemporaneously with and at the time of the execution of the aforesaid Mortgage Note, in order to secure payment of the same, Defendant made, executed and delivered to original ~Iortgagee, n certain real estate Mortgage which is recorded in the Recorder of Deeds Office of the within County and Commonwealth in Mortgage Book 913, Page 889 conveying to original Mortgagee the subject premises. The mortgage was subsequently assigned to ROUSSEAU MORTGAGE CORPORATION as recorded in the wIthin county in Book 403, Page 117 on August 22, 1991. said Mortgage and Assignment of Mortgage are incorporated hereIn by reference. 5. The land subject to the Mortgage is: Railroad Avenue, summerdalo, Pennsylvania 17093 and is more particularly desoribed in Exhibit "BII attaohed hereto. 6. The said Defendants are the real ownors of the land subject to the Mortgage. 1. The Mortgage is in default due to the fact that Mortgagors have failed to pay the installment due on July 1, 1993 and all subsequent installments thereon, and the following amounts are due on the Mortgage I (a) Unpaid principal balance $ 33,014.04 (b) Interest at $9.63 per day from 1/1/93 to 1/1/94 (based on contract rate of 10.5\) 3,514.95 (c) Late Charges at $10.86 per month for 6 months 65.16 (d) Escrow deficit (e) 5\ Attorney's Commission TOTAL 43.51 1.831.89 $ 38,469.55* *Together with interest at tho per diem rate noted in (b) above after January 1, 1994 and other charges and costs to date of Sheriff's Sale. The attorney's feos set forth above are in conformity with the Mortgage documents and Pennsylvania law, and will be collected in the event of a third party purchaser at Sheriff's Sale. If the Mortgage ie reinstated prior to the sale, reasonable attorney's tees will be charged that are actually incurred by Plaintiff. 8. No judgment has been entered upon said Mortgage in any jurisdiction. 9. Notice of intention to foreclose and to accelerate the loan balance has been given to the Mortgagors in accordance with section 403 of Pennsylvania Act Nq. 6 of 1974, b~t the Mortgagors have failed to reinstate tho Mortgago in aooordanoe with the provisions thereof. A oopy of the Notice ie attaohed hereto and made a part hereof as Exhibit "C". 10. Defendant is not a member of the Armed Foross of the United states of Amerioa, nor engaged in any way which would bring them within the soldisrs and Sailors Relief Aot of 1940, aa amended. 11. The subjeot Mortgage is insured by the Federal Housing Administration under Title II of the National Housing Aot (12 U.S.C.A. section 707 - 1715z11) and therefore does not fall within the provisions of Pa. Aot 91 of 1983 (Homeowners' Emergenoy Assistanoe Aot of 1983). WHF.REFORE, Plaintiff demands judgment in mortgage foreolosure against Defendants for the aforementioned total amount due together with interest at the rate of 10.5% ($9.63 per diem), together with other chargee and costs including escrow advances incidental thereto to the date of Sheriff's Sale and for foreclosure and sale of the property within desoribed. PURCELL, KRUG,~~ER By ~L//-~ Leon P. Ha~ Attorney f~~-}laintiff I. D. #15700 1719 N. Front Street Harrisburg, PA. 17102 TRUE COPY FROM RECORD (717) 234-4178 III Ttltlmoov WhOI',,~I, I i'.:ro 1';,10 ,,,; ,oy hand IIlCI t 01 ~,;~;[ C~~' Ji C:lIP51~, ~'il7. TII! \ d.t 01. ' # r,. 19!L!1- , ,I I "IP( ) ... ~Trans'vvorl{1 MORTQAQI CORIl'OflATIQH H TO. ME~ODY A ~AUSSAMAN P.O. BOX 392,RAIlROAO A SUMMERDAlE PA 17093 UATE, Su~tember 28. 1993 SUBJECT, Our Intention to Foreolo.. the Mortgage on Prem!.e., RAllRO AVEtlUE SUMMERDAlE PA 17093 lOAN NO, 107673 NOTICE OF INTENTION TO FORECLOSE MORTGAGE The MORTGAGE held by GNMA I POOLS (hereinafter We, us ~r our) on your property loceted at ~AIlRO AVENUE, SUMMEROAlE PA 17093, IS IN SERIOUS DEFAULT because you have not. made the monthly payments of $407,06 each, f',r the mCJnths of July 93 through September 93, ~ late charges have also accrued to this date in amount of $32,56, The total amount now required to cure this default, or in othor words, get caught Up in your payments. as of the date of this leHer, is $1.278,7'1, On Odober 1. 1993 anothar payment will be due. YOU MAY CURE THIS DEFAULT WITHIN TIIIRTY (30) DAYS OF THE DATE OF THIS lETTER, BY PAYING TO US THE ABOVE AMOUNT $1,218,74, PLUS ANY ADDITIONAL MONTHLY PAYMENTS AND lATE CIIARGES WHICH MAY FALL DUE DURING THIS PERIOD, Such payment must be made either by cDshicr's check, certified che~I~, or money ordor and made at, TRANSWORlO MORTGAGE CORPORATION, P,O, Box 200000, Houston, TX 77216-0975, If you do not cure this defnult within THIRTY (30) DAYS, WE INTEND TO EXERCISE OUR RIOIIT TO ACCELERATE THE MORTGAGE PAYMENTS, This means that whatever is owing on tt\e original amount borro~red will be considored due immediately and you may lose ttlO chancA to pay ~ff t~le original mortgage in monthly instal- lments. If full paynl6nt of the alnount of default is not mado within THIRTY (30) DAYS. WE ALSO INTE~D TO I~STRUcT OUR ATTORNEYS TO START A LAWSUIT TO FORECLOSE YOUR MORTGAGE PROPERTY, IF THE MORTGAGE IS FORECLOSED, YOUR PROPERTY WIll BE SOLD BY THE SHERIFF TO PAY OFF THE MORTGAGE DEBT, If we reter your case to our attorneys, but you cure the default before they bogin legal proce- edings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00. However, if legal proc.eedings Are started against you, you will have to pay the reasonable attorney's rOftS even if they arc ovor $50.00. Any attorney's fees will be added to whatever yoU owe us, which ",ay also indude our reasonahle costs, IF YOU CURE THE DEFAUI.T WITHIN THE THIRTY DAY PERIOD, YOU HILL NOT BE REQUIRED TO PAY ATTORNEY'S FEES, .L P,O, BOX 4508. tlOUSTON, THAS "'710-1,508(13) 895-H50 I 800-725-9',89 TOll FREt 3 TranS\;Vor[ll MORTl)AOI CQAPORATIOM '. .. (Page 2 of 2) H NOTICE OF INTENTIONS TO FORECLOSE MORTGAOE We m~Y als~ sue you ,'orsonally tor ltlB uflpaid principal balance and all Dthftr sums due under the mo,'tgage, I f you have not curou the uefaul t within the thlrty day period and foreclosure proceedings have begun. YOU STILL tlAVE HIE RIGtlT TO CURE TtlE DEFAULT AND PREVENT TtlE SALE Al AtlY TIME UP TO ONE tlOUR BEFORE THE SHERIFF'S FORECLOSURE SALE, YOU MAY DO SO BY PAYINO TtlE TOTAL AMOUNT OF TtlE UNPAID MONTlIlY PAYMENTS PLUS ANY lATE OR OTHER CHARGES THEN DUE. AS WEll AS TtlE REASONABLE ATTORNEY'S FEES AND COSTS CONNECTED WITH THE FORECLOSURE SALE, It is estimated that tho earliest dale thai such a Sheriff's sale could be held would be approximately ~larch 28. 1991.. A notice of the dale of U,e Sheriff sale will be sent to you berorethe sale. Of course, tho amount needed to cure tho default will increase the lon~er you wait. You may find out at any lime exaclly what the required payment will be by calling us at the following numbe" 1-800"333-'1302, This paymont must be in cash, cashier's check, certified check, or money order and made payable to ~IS at the adejress stated above. You stlould realize that a Sheriff's sale will end your ownership of the mort- gaged property and your rigtlt to remain in it. If you continue to live in the property after tho Sheriff's sale, a lawsuit could he stal-ted to evict YOU, You have additional ,-lghts to help protect your interest in thl! property, YOU /lAVE TIlE RIGHT TO SEll THE PROPERTY TO OBTAIN MotlEY TO PAY OFF THE ~IORTOAGE DEET OR TO BORROW MONEY FROM ANOTtlER lENDING INSTITUTION TO PAY OFF THIS DEBT. (YOU MAY HAVE TtlE RIGHT TO SEll OR TRANSFER THE PROPERTY SUnJECT TO THE MORT- GAOE TO A BUYER OR TRAIlSFEREE WHO WIll ASSUME TilE MORTGAGE DEBT. PROVIDED THAT ALL IHE OUTSTANDING PAYMENTS. CHARGES AND ATTORIlEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE. (AND TIIAT TtlE OTHER REQUIREMENTS UNDER THE MORT- GAGE ARE SATISFIED), CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGIIT EXIST), YOU tlAVE TtlE RIGIIT TO tlAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF, IF YOU CURE THE DEFAULT TtlE IF NO DEFAULT HAD OCCURRED, CURE YOUR DEFAULT MORE TtlAN MORTGAGE WIll BE RESTORED TO THE SAME POSITION AS HOWEVER. YOU ARE NOT ENTITLED TO THIS RIOHT TO THREE TIMES IN ANY CALENDAR YEAR, If you have any question5, call Rose Martinez at (713) 895-3964, TRANSHORlD MORTGAOE CORPORATION Collection Dopnrtmenl ACT6 P.O, BOX 4508. HOUSTON. TEXAS n210-l,508(713) 895-3950 1 800-77.5-9l,89 TOLL FREE ~1rans\;v()rltl MORTGAQI CO"'OR.'ION H TO, MELODY A SAUSSAMAN RAILRO AVENUE SUMMERDALE PA 17093 DATE, September 28. 1993 SUBJECT, Our Intention to Fore.loee the Mortgage on Promisee, RAILRO AVENUE SUMMERDALE PA 17093 LOAN NO, 107673 NOTICE OF INTENTION TO FORECLOSE MORTGAGE The MORTOAGE held by ONMA I POOLS (hereinafter wo, us or our) on your property located at RAILRO AVENUE. SUMMERDALE PA 17093. IS 1/1 SERICJUS DEFAULT because you have not made the monthly payments of $(,07,06 each. for the months of July 9J through September 93, Late charges have also accrued to this date in amount of $32,56, The total '. amount now requirod to cure this default, or in ot~ler words, get caught up in your payments, as of the date of this letter. is $1,278,74, On October 1. 1993 another payment will be due. YOU MAY CURE THIS DEFAULT WITHIN THIRTY (30) DAYS OF THE DATE OF THIS LETTER, BY PAnllG TO US HIE ABOVE A/'~()UNT $1.278. 7't. PLUS At4Y ADDITlotlAL MONTHLY PAYMENTS AND LATE CHARGES WHICH MAY FALL DUE DURING THIS PERIOD, Such payment must be made either. by ca~hier's check, certified check, or money order and made at, TRANSHORLD MORTGAGE CORPORATION, P,O, Box 200000. lIou5ton. TX 77216-0975, If you do not cure this default within THIRTY (30) DAYS, WE INTEND TO EXERCISE OUR RIGHT TO ACCELERATE THE MORTGAGE PAYMENTS, This means that whatever is owirlg on tho original nmount t)o,'rowod will bo consider~d due immediately and you may lose the chance to payoff tha origirlal mortgaqe in monthly instal- lnlents, If full puyment of thu anlount of (lefault i~ not made within TttIRTY (30) DAYS, WE ALSO INTEND TO INSTRUCT OUR ATTORNEYS TO START A LAWSUIT TO FORECLOSE YOUR MORTGAGE PROPERTY, IF THE MORTGAGE IS FORECLOSED, YOUR PROPERTY WILL BE SOLD BY THE SIIERIFF TO PAY OFF THE MORTGAGE DEBT, If we refer your caso to OUr attorrleyS, t)ut YOll cure the default before they begin legal proce- edings against you, you will still have to pay the reasonable attorneyl~ fees, actually incurred, up to $50.00. However, if legal proceedings are started against you, YOlI will have to pay t~le rnasonable attorney's fees even if they iH'O over $50.00. ^ny attorney's fees \01111 be Added to \o/hatever you owe us. which May ~Iso include our reasonable cosls, IF YOU CURE THE DEFAULT WITHIN THE THIRTY DAY PERIOD. YOU WILL NOT BE REQUIRED TO PAY ATTORNEY'S FEES, P.O, BOX 4508. HOUSTON. TEXAS 77210-~508(713) 895-3950 1 800-725-9~89 TOLL FREE 3Trans~v{)rl(i MO",QAa,1 COR,.QRATIQH ., (PeQe 2 ot 2) H NOTICE OF INfENTIONS TO FORECLOSE MORTGAGE We may aluu Bua you perso'l>>lly for tho url,)aid princiJ)al balanco 8nd all other !lums due und..,- the mortY"!lo, If you havo not curod the default within the thirty day period and toraclo.ure procoodinys have boyulI. YGU STILL HAVE TH~ RIGHT TG CURE THE DEFAULT ANa PREVENT THE SALE AT ANY TIME UP TO ONE HOUR BEFORE THE SHERIFF'S FORECLOSURE SALE, YOU MAY DO SG BY PAYING THE TGTAl AMOUNT OF THE UNPAID MOHTHLY PAYMENTS PLUS ANY LAIE OR OTHER CIIARGES THEN DUE. AS WElL AS THE REASONABll' ATTORNf:Y'S FEES AND COSTS CONNf:CfED WITH THE FORECLOSURE SALE, It Is ostimat"d that the ear'li.st dat.e that such a Sheriff's solo .co,lid be held waul d be epproxin,a tel y March 26. 199/., A noti ce 0 f the da te of tho Sheri ff sale will be sent to you before tho sal.o, Of courso, tho amount needed to cure the default will increase tho longer yoU wait. You may find out at any timo exactly what ttlO required payment will bo by calling us at the following numher, 1-800-333-7302, This paYment must be in cash, cast,icr's chack, certified chock, or monuy order and made payable to us at thQ address statod abovo. You should realize that a Shariff's sale will 6'1(1 your ownership of the mort- gaged property and your ri~ht to remain in it. If you continue to live in the property after tho Sheriff's sale, a lawsuit could be started to evict you. You have additional rights to ~lelp protect your interest in tho property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LEtWING INSTITUrrON TO PAY OFF HilS DEBT, (YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERfY SUBJECT TO THE MORT- GAGE TO A BUYER OR TRANSFEREE WHO HILL ASSUME THE MORTGAGE DEBT. PROVIDED THAT ALL THE OUTSTANOING PAYMENTS. CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE. (AND THAT THE OTHER REQUIREMENTS UNDER THE MORT- GAGE ARE SATISFIED), CONTACT US TO DETERMINE UNDER HHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST), YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY AHY THIRD PARTY ACTING ON YOUR BEHALF, IF YOU CURE THE DEFAULT THE IF NO DEFAULT HAD OCCURRED, CURE YOUR DEFAULT MORE THAN MORTGAGE WILL BE RESTORED TO THE SAME POSITION AS HOWEVER. YOU ARE NOT ENTITLED TO THIS RIGHT TO THREE TIMES IN ANY CALENDAR YEAR. if you have any que"tions. call Rose Martinez at (713) 895-396(., TRAlISWORL D llORTGAGE CORPORA nON Collection Department ACT6 P,O, BOX 4508, HOUSTON. TEXAS 77210-4508(713) 895-3950 1 300-725-9489 TOLL FREE ~Tr{lnSH)()rkl MQRro"a. CORPORATION H TO' ~ON R SAUSSAMAN RAILRO AVENUE ~UMMERDAlE PA 17093 DATE, September 28. 1993 5UBJtCT, Our Intention to foreclo.e the Mort.,ege on Promh.e., RAIlRO AVENUE SUMMERDAlE PA 17093 lOAN NO. 107~73 NOTICE OF INTENTION TO FORECLOSE MORTGAGE The MORTGAGE held by GNMA I POOLS (hereinafter we. u" or our) on your property located at RAIlRO AVENUE, SUMMERDAlE PA 17093, IS IN SERIOUS DEFAULT because you hava not made the monthly payments of .407,06 each, for the months of July 93 through September 93, late charlles have also "ccrued to this date in amount of t32, 56, The total amount now re<luired to cure ttlis (IBf~ult, or in other w~rds. got caught up in your payments, as of the dato of this lotter, is U.278,7't, On October 1. 1993 another payment will be duo. YOU MAY ClIRE THIS DEfAlJl.T VlITHItI THIRTY (30) DAYS OF HIE DATE OF THIS lETTER. BY PAYING TO US Tilt ABOVE AMOUNT 11,278,74. PLUS ANY ADDITIONAL MONTHLY PAY/IENTS AtW lATE CHARGES VltllCH "lAY FALL DUE nURING HilS PERIOD, Such payment must be made oittler by ca~hier's ctlcck, certific(l ctl~ck, or money order and made at, TRANSVlORlD MORTGAGE CORPORATION, P,O, Box 200000. Houstoll, TX 77216-0975, If you do not curo this dofault within THIRTY (30) DAYS, VIE INTEND TO EXERCISE OUR RIGHT TO ACCELERATE THE MORTGAGE PAYMENTS, This meons that whatever is owir19 on the original nmount borrowo(j will bo considerod due immodiatoly and YOll may lose the chanco to payoff t.he oriSJinal mortSJcHJO in monthly instal- lmants. l'f full paymer,t of ttle amount of defAult is r\ot made within THIRTY (30) DAYS. ~IE ALSO JIITE~W TO INSTRUCT OUR ATTORNEYS TO START A LAHSUIT TO FORECLOSE YOUR MORTGAGE PROPERTY, IF Till MORTGAGE IS FORECLOSED, YOUR PROPERTY VlllL DE SOLD BY THE SHERIEF TO PAY OFF THE MORTGAGE DEBT, If we refer your case to Ol.lr attar'nays, but you cure the uf9fault b.nfore they begin legal pro~e- edings against you, you will still have to pay the reasonable attorney.s fees, actually incurred. up to 150,00, Howover. if legal proceodlngs are started against you, you will have to pay the reasonable attorney's fe09 even if they are over $50.00. Any attornoyls fees will be added to whatever you owe us, which may al~o include our rea$onablo costs, IF YOU ClIRE THE DEFAULT VII THIN THE THIRTY DAY PERIOD. YOU Vllll NOT BE REQUIRED TO PAY ATTORNEY'S FEES, P.O, BOX 4508. HOUSTON. TEXAS 77210-4508(713) 895-3950 1 800-725-9489 TOLL FREE - ~ Transl,tv( Jrl(l MOflTGAaIOO"POfl"TIQN (Peve 2 of 2) H NOTICE OF INTENTION5 TO FORECLOSE MORTGAGE w. may also sue YQU personally for tho Uflrluid prillcipal balallce and all other Il~mll due ~nder thll martI/ago, If yOll havo not cured th" default within the thirty day period and for...dosure pro"."din!l'!1 hAve bel/un, YOU STILL !tAVE HIE RIGHT TO CURE THE DEFAULT ANn PREVENT THE SALE AT ANY TIME UP TO ONE 1I0UR BEFORE TilE SIIERIFF'S FORECLOSURE SALE, YOU MAY DO SO BY PAYINO THE TOTAL AMOUNT OF TilE UNPAID MONTHLY PAYMENTS PLUS ANY LATE OR OTHER CIIARGES TIIEN DUE, AS WEll AS THE REASONAfilE ATTORNEY'S FEES AND cosrs CONNECTED Wl1~ THE FORECLOSURE SALE. It is esti..ated that the earliest date that such a Sheriff's sale co~ld be hll1d would b.. approximately March 28, 19~4. A notice of the date of the Sheriff sa 1 e wi 11 be sent to you bof()ro tho ~m 1 o. 0 f COllrso, the amount needed to curu tho default will incroa~e tho longor you wait. You may find out ot any Hmo exactly what tho roquirod payment wi 11 be by calling us at the follow1nl/ number' 1-800-333-7302, This payment must be in cash, castlier's chock, certified check, or money order and made payable to us at tt10 a(ldross stated abova, YOll stlould realize that a Sheriff's sale will end your ownerstlip of the mort- gaged property and your 'ight to romain in it. If you continue to live in tho property after the Sheriff's salo, a lawsuit could be star.ted to evict YO". You have additional rioht.s to holp protect your interest in the pr()perty, YOU HAVE THE RIGHT TO SEll THE PROPERTY 10 OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER lEllDING INSTITUTION TO PAY OFF THIS DEBT, (YOU MAY HAVE THE RIGHT TO SEll OR TRANSFER THE PROPERTY SUBJECT TO THE MORT- GAGE 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 UHDER THE MORT- GAGE ARE SATISFIED), CONT~CT US TO DETERMINE UNDER .mAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST), ruv "AVE HIE RIGHT TO HAVE HilS DEFAlll,T CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF, IF YOU CURE THE DEFAULT THE IF NO DEFAULT HAD OCCURRED, CURE YOUR DEFAULT MORE THAN MORTGAGE WILL BE RESTORED TO THE SAME POSITION AS HOWEVER, YOU ARE NOT ENTITLED TO THIS RIGHT TO THREE TIMES IN ANY CALENDAR YEAR, [f you have any questions, call Rosn Martinn. at (713) 895-3964, TRANSWORlD MORTGAGE CORPORATION Colloction Dopartment ACT6 P,O, BOX 4508. HOUSTON, TEXAS 71210-4508(713) 895-5950 1 800-725-9489 TOll FREE :3 7rans-rvorltl MfJ"TOAQI C10RPO"A'IQN H TOI JON ~ SAU5SAMAN P.O, BOX 392.RAIlROAD A SUMMERDAlE PA 11093 DATE. Septflmber 28, 1993 SUBJECT. Our Intention to Foreqlo8. the Mortuage on Premie"8' RAIlRO AVENUE SUMMERDAlf. PA 17093 lOAN NO, 101673 NOTICE OF INTENTION TO FORECLOSE MORTOAOE Tho MORTGAGE held by GNMA I POOLS (hereinafter we. U5 or our) on your property located et RAIlRO AVENUE. SUMMERDAlE PA 17093, IS IN SERIOUS DEFAULT beceuse you have not ..ade the monthly paymants of $fo07.06 each, for tha months of July 93 through September 93, lata oharges have also accrued to this date in amount of $32,56, The total amount now required to cure this default_ Qr in ottler words, get caught up in your payments. as of the date of this letter, is H.278,7", On October 1. 1993 another paymont will be due. YOU MAY CURE THIS DEFAULT WITHIN THIRTY (30) DAYS OF THE DATE OF THIS lETTER. BY PAYING TO US THE ABOVE AMOUNT $1.278,7fo. PLUS ANY ADDITIONAL MONTHLY PAYMENTS AND lATE CHARGES WHICH MAY FAll DUE DURING THIS PERIOD. Such payment must b~ made either by cashier's check, certified ct\oclc, or money order and made at, TRANSWORlD MORTGAGE CORPORATION. P,O, Box 200000, Houston. TX 17216-0975, If you do not cure this default within THIRTY (30) DAYS. WE INTEND TO EXERCISE OUR RIGHT TO ACCELERATE THE MORTGAGE PAYMENTS, This means that whatever is owing on the orlginal amount borrowod will bo considerod due immodiately and you may lose the chance to payoff tho original mortgaue in monthly instal- lments, If full payment of tha amount of default is not made within TIIIRTY (30) DAYS. WE ALSO INTEND TO INSTRUCT OUR ATTORNEYS TO START A lAWSUIT TO FORECLOSE YOUR MORTGAGE PROPERlY, IF THE MORTGAOE IS FORECLOSED, YOUR PROPERTY WIll BE SOLD BY THE SHERIFF TO PAY OFF THE MORTGAGE DEBT, If we refer your case to our attorneys, but YO\I cure th~ default bofore they bogin lo~al proce- edings against you. you will stili have to pay the reasonable attorney's fees. actually incurred. up to $50,00, However. if lo~al proceedings ere started against YOll, you will hove to pay the reasonablo attorney's fees even if they are over $50,00, Any attorney's fees will bfl edded to whatever you owe us. which may also include our reasonable costs, IF YOU CURE THE DEFAULT WITHIN TilE TIIIRTY DAY PERIOD. YOU WILL NOT BE REQUIRED TO PAY ATTORNEY'S FEES, P,O, BOX fo508. HOUSTON, TEXAS 77ZI0-~508(713) 895-3950 I 800-725-9~89 TOLL FREE ":",'/ , , .;:... ~ 1}'{ln~\'HJ()rkl fo4QflJQ"QI CQRPQfI"JIQN (Palla 2 Qf 2) H NOTICE Of INTENTIONS TO fORECLOSE MORTGAGE w. may .llIo sua you personaLly for lh. unpaid principal Lalanca and all Qthar sum.. dua under the m"dgage, I f you have not cured tho d.fault within the thirty day period and forecl.sur'.. proceedi"lls have Lel/un, YOU STILL HAVE THE RIGHT TO CURE THE DEFAULT AND PREVENT THE SALE AT ANY TIME UP TO ONE HOUR BEfORE THE SHERIFF'S fORECLOSURE SALE, YOU MAY DO SO BY PAYING THE TOTAL AMOUIH Of TltE UNPAID MONl'HL Y PAYMEPITS PLUS ANY LATE OR OTHER CHARGES THEN DUE. AS ~ELL AS THE REASONABLE Al'TORNEY'S FEES AND COSTS CONNECTED WITII THE FORECLOSURE SALE. It is estimated that th.. earlie'll d.to that such a Sheriff's sale 'could La held would be approximately March n. 199'1, A notice of tho date of the Sheriff sale will be sent to you be fora tho sale, Of ccurse, the amount needed to cure the default will increase the lcnger you wait, You may find out lit any time oxaotly what ttlO required payment will be hy calling us at the following numbo.. 1'-800-333-7302, This payment munt be in cash, cashier's check, certifiGd check, or morley order and madm payable to us at the address stated above, You ~hould realize that a Sheriff's sale will end your ownership of the mort-' ga9fld property and your ri~Jht to remain in it. If you continuo to live in the property after the Sheriff's sale. a lawsuit could Le started to evict you, You have additional rights to help protoct your intorest in the property, YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIH MO~EY TO PAY OFF THE MORTGAGE DEllT OR TO BORROW MONEY FROM A~OTHER LENDING INSTITUTION TO PAY OFF TillS DEBT, (YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORT- GAGE TO A BUYER OR TRANSFEREE WW 1.IlLL ASSUME THE MORTGAGE DEBT. PI\OVIDED THAT ALL THE OUTSlANDHIO PAYMEIITS. CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT lHE SALE. (AND THAT THE OTHER REQUIREMENTS U~DER THE MORT- GAGE ARE SATISFIED), CONTACT IJS TO DETERMINE U~DER Htl~,T CIRCU~lSTANCES nlls RIGHT MIGHT EXIST), YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF, IF YOU CURE THE DEFAULT TilE IF NO DEFAULT HAD OCCURRED, CURE YOUR DEFAULT MORE THAN MORTGAOE HILL BE RESTORED TO THE SAME POSITION AS HOWEVER. YOU ARE NOT ENTITLED TO THIS RIGHT TO THREE TIMES IN ANY CALENDAR YEAR. If you have eny questions. call Rose Martinez at (713) t95-3964. TRANSHORLD MORTGAGE CORPORATION Collection Department ACT6 P,O, BOX ',508, HOUSTO~. TEXAS 77210-',508(713) 895-3950 I 800-725-9489 TOLL FREE "4(b#~ , 1 1"/1'1'1 Orl~! 'I 'I I i 1 JAil ., " " . '1