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MORnisuN Ai-/JI SCIIl.ESINGER
CENTRAL PENNSYLVANIA SAVINGS ·
ASSOCIATION, F.A., ·
Plaintiff ·
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
NO. IIO~ ~ 1'19,/
.
vs,
.
.
.
.
.
CIVIL ACTION - LAW
KARTIC DASS and
CHHANDA DASS.
Defendants
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 an 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 case may proceed without you, and ajudgment may be
entered against you by the court without further notice for any money claimed 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 LA WYER 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.
Court Administmtor
4th Floor, Cumberland County Courthouse
Carlisle,PA 17013
(717) 240-6200
CENTRAL PENNSYLVANIA SAVINGS -
ASSOCIATION, F.A., -
Plaintiff -
-
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
NO, 110 (, 6.1.'u I 'If f
Defendants
-
-
-
-
-
CIVIL ACTION - LAW
vs.
KARTIC DASS and
CHHANDA DASS,
COMPLAINT
I, Plaintiff is CENTRAL PENNSYLVANIA SAVINGS ASSOCIATION,
F.A" a notional corporation with its principal office at 100 West Independence Street, Shomokin,
Northumberland County, Pennsylvania. and successor by merger to CENTRAL
PENNSYLVANIA SA VINGS ASSOCIATION.
2. Defendants ore KARTIC DASS and CH!-IANDA DASS, his wife, adult
individuals with their lost known address at 902 Volley Street, Enola, Cumberland County,
Pennsylvania.
3. On October 10, 1975, Defendants executed and delivered unto Plaintiff a
Note in the face amount of$38,200.00, which Note is secured by 0 Mortgage executed the some
day and recorded on October 16, 1975, at Cumberland County Mortgage Book 596, Page 61.
True and correct copies of the Note and Mortgage arc attached hereto and mode part hereof os
Exhibit "A".
4. Plain tilT assigned said Note and Mortgage unto Government National
Mortgage Association on November 3. 1975, which reassigned the Note and Mortgage unto
PlaintilTon March 10, 1976, as indicated on the Note attached hereto as Exhibit "A".
5. The premises subject to the Mortgage are more particularly described as
follows:
ALL that certain piece or parcel of land, situate in the Township of East
Pennsboro, County of Cumberland and State of Pennsylvania, more
particularly bounded and described as follows, to wit:
BEGINNING at a point in the Summerdale-Wertzville State Road, said
point being at a distance of sixty-two (62) feet measured in a westerly
direction from the westerly line of a proposed fifty (50) feet wide road;
thence in a southerly direction at right angles to said state road two
hundred (200) feet to a point; thence in a westerly direction along lands
now or late of John C. Roth, et ux, parallel with said state road one
hundred (100) feet to a point; thence in a northerly direction along lands
now or late of John C. Roth, et ux, and at right angles to said state road
two hundred (200) feet to a point in said Summerdale-Wertzville State
Road; thence in an easterly direction along said state road one hundred
(100) feet to the point and place of BEGINNING,
HAVING thereon erected a single bi-Ievel brick and aluminum dwelling
with integral double car garage, said premises being known and numbered
as 902 Valley Street.
BEING THE SAME premises which Albert Robert Straub and Barbara
Lou Straub, husband and wife, by deed recorded on October 16, 1975 at
Cumberland County Deed Book 26, Page 279, granted and conveyed unto
Kartie Dass and Chhanda Dass, husband and wife.
BEARING Tax Map No, 09-13-1000-007.
6. The above mentioned Note is in default because the last payment made by
Defendants to PlaintilT was on November I. 1993, which represented the payments due on
August 1, 1993, September 1, 1993 and October 1, 1993, and no payments have been made since
that date, and according to the tenns of the Notc, the full principal thereof and all interest due
thereon is collectible forthwith.
7. In accordance with the Homeowner's Emergency Mortgage Assistance Act
of 1983, on January 10, 1994, a Notice was sent by first class mail to the Defendants, True and
correct copies of the Notice and a post office receipt for each mailing are attached hereto and
made a part hereof as Exhibit "B". Despite the passage of more than thirty-five (35) days,
PlaintilTreceived no request for a face-to-face meeting, nor any notice from a credit counseling
agency or the PHF A.
8, In accordance with 41 P,S, 403, Notice OfIntcntion To Foreclose was sent
to each Defendant by certified mail at their last known address and at the mortgaged premises on
January 10, 1994. True and corrcct copies of the Notice Of Intention To Foreclose and the return
receipts are attached hereto and made part hereof as Exhibit "e".
9. The following amounts are due on the Note:
(a) PrincipaL,........,..,.........,.....,......................... S26,449.64
(b)
Accrued Intcrest to 2-7-94
(Interest at a per diem rotc ofS6,0614
shall accrue after 2-7-94)..............................
769.79
(e)
Attorney Collection Fee.............................,
1,500.00
(d)
Late Charges (Late charges after
2-7-94 shall accrue at a monthly
rote ofS11.48,..............................................
43.05
(e)
Fees Paid By PlaintilT.................................
28,80
S28,791.28
(t)
Minus: Escrow Balance.....................,....
TOTAL........................
- 295,26
S28,496.02
WHEREFORE, Plaintiff demands judgment against the Defendants in the amount
ofS28,496.02 plus costs of suit plus interest ofS6.0614 per day after February 7,1994 plus late
charges ofSII.48 per month from February 7, 1994, said amount being in excess of the
jurisdictional amount requiring arbitrotion referral.
~~.
Guy . S hlesinger, E':1f^
Attorney No: 19257
Morrison & Schlesinger
545 North Second Street
Shamokin, PA 17872
Attorney for Plaintiff
VERIFICATION
I veritY that the statements made in this Complaint are true and correct. I
understand that false statements herein are made subject to the penalties of 18 Pa.C.S. 4904,
relating to unsworn falsification to authorities.
Dated:~arcJt J) JQQ4.
~~--~.~ ---
Susan H. Morotelli
Collections Officer
Centrol Pennsylvania Savings Association. F.A.
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'NOTE
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us $....,.},~.,},9..Q.!..Q9....."..,..,........,...,............,
...............,................J!~E~J:!,~Y....................................., Pennsylvania
Cily
...............................................,........................,
October 10
19}~,..,
FOR VALUE RECEIVED, Ihe unde..igned promise to pay CENTRAL PENNSYLVANIA
SAVINGS ASSOCIATION ' or o,der, the principal sum of
Thirty-Eight Thousand Two Hundred & 00/100 ($38,200.00) - - 00110... with interest
on Ihe unpaid plincipal balance hom Ihe date of this Note. until paid, at the rate 01 eight & one-fourth
pe,cent per annum, The principal and inte,est shall be payable at the Shamokin Office of central
Penna. Savings Association . or such other place as the holder hereol may designate in writing, in
consecutive monthly installments of Two Hundred Eighty-Seven & 00/100 - - - - -
Dolla,s (US $ 287.00 ). on the 1st day 01 each month beginning
November 1st 1975 ,lIntilthe enti,e indebtedn..s evidenced hereby i. hilly paid, except
that nny reulninhlK indeblcdncftft. if nut sooner pnid, shull be due nnd pnynble on the 1st
dny 01 October, 2005.
II any monthly installment IInder this Note is not paid when due nnd remains unpaid alte, a dnte specified by
n notice sent by certified mail to the undersigned at the add,ess stated below, which date shall be not Ie.. than
thirty dnys from Ihe date such noitce is mailed. the enli,e p,incipal amount oUlstanding he,eunder bnd accrued
inte,est Ihereon shall at once become due nnd pnyable at the option 01 the holder he,eol. Failu,e to exercise such
option shnll not constitute a wniver 01 Ihe right to exe,cise such option if Ihe undersigned is in delault hereunder,
In Ihe event of any de Inuit in the pnyment 01 this Note nnd il suit is brought he,eon, the holder hereof shall be en-
titled to collect in such procccdinR nil rCRsonnblc costs Dud expenses of luit, includins. but not limited to, reasonable
nltorncy's (cell.
The unde,signed shall pay to Ihe holder he ,eo I n late charge of four (4) percent 01 any monthly
instnllment not received by the holder hereol within fifteen (15) days alter the installment is due.
The unde..igned shall have Ihe ,ighl 10 prepay the principal amount outslanding in whole or in part, provided
that Ihe holder hereol may require that any parlial p'epaymenls shall be made on the date monthly installments
are due and shall be in the amount of Ihat part of one or more installments which would be applicable to prin.
cipal. Any pnrtial prepayment shall be applied again.t t he principal amount outotanding and shall not extend or
poslpone Ihe due date of any subsequent moalhly install ments or change the amount of such installments, unless
Ihe holder he,eol shall otherwise agree in w,itinll,
Presentment, notice of dishonor, nnd protest arc hereby waived by all makera, lure ties, guarantor. and endoners
hereol. This Note shall be the joint nnd several obligation 01 all make,s, su,eties, guaranto.. and endo..e,s. and
shall be binding upon thenl and their heirs. personal representatives. successors Bnd assigns.
The indebtedness evidenced by this Note is secu,ed by a Mo,tgaRe, dnled of even date he,ewith, and reference
is mnde Ihe,elo for rights as to acceleration of the indebtedness evidenced by this Note. '
"Y..u~~;d~,t...t!,iI~i.;i,
902 V~lley street
Summerdale, (Cumberland
-y"C\L-""V/ dt..
Kart'fg..Dass'..' "",............,.......................,.....
c~Rj~~JtiiB~..~~'..,..,..,',...,.,....,.......,....".,..,'
Co.), Pa.
........H......_................_..... . u .......-.........
.........................,.............................
1'11I1~1')' A,lthl'l'i"
E"X#J13JT
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(n.1'I'(II'" ()';!I;""I ()IIly)
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l/WE HEREBY ACKNOWLEDGE RECEIPT OF A
COPY OF THE MORTGAGE AND NOTE OR BOND
AND WAHHANT wlllcn I/WE E'<r~CU'I'ED iN
ORDER '}'O CLOSE THIS 'rRANSACTIOl'l,
----~"'f\ok...C:d.~!:!----
'c/'ilO,",-h. ''/)/~
-
PAY TO THE ORDER OF GOVERNMENT NATIONAL
MORTGAGE ASSOCIATION WITHOUT RECOURSE THIS
3RD DAY OF NOVEMBER 1975
CENTRAL PENNSYLVANIA SAVINGS ASSOCIATION
fAY TO THE ORDER 0'
CENTRAL PENNSYLVANIA SAVINGS ASSOCIATION
WITHOUT RECOURSE
5OYDIUloo IAUllIW 100lWI ASSOClAIIGI
liAR 1 0 1976
,..~- .. -~.... -
__"'_"_U'. ........_....
. i) S',;r. (..s "
MORTGAGE
tSIIOIlT rUIlM)
10th
CIIIIMlDh
october
wife, of 903
N. 2nd
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hLL that certain piece or parcel of land, situate in the Townehip of Bast
Pennsboro, County of Cumberiond ami state of Penneylvania. mur.. particularly
bounded and described os followe, to wit.
DEGINNING at 0 point In the 5ummordale-Wertzvllle State nood, nolll point
bolng nt n dJotlll1Ct" or nLxty-two (62) feet m(!anurml in n wontorly c.1Jrectioll
Crom tho w08terly lint' oC 0 I'ropooed fl fty (SOl Ceot wide ronlh lhencp. in
o eoutherly direction at right angles to eold state road two hundred (200)
feet to a point, thence in 0 westerly direction along Innde now or late of
John C. Roth, ct UK, pnrnllrJ with snid stntt' rand one hundred (100) fort
to 0 point, thence in 0 northerly direction along Innde now or lato of
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(200) feet to 0 point in Bald Summerdalo-Wertzville State noad, thence
in an easterly direction along eaid etate rood ono hundred (l00) feet
to the point and plnce of nBGIllllIllG.
I1hVING thoreon erected 0 eingle bi-levol brick and aluminum dwelling with
integral double CRr gnrage, Raid preminoR being known nnd numbered liS
902 Valloy Stroet.
DElIlG the eame premisee which hlbert nobert Straub and Darbara Lou Straub,
hie wife, conveyed unto Kartic Unes and Chhanda Dnee, hie wife, Mortgsgors
horein, by deed intended to be recorded e1multaneouely herewith, hLSO
being the eame premieee which Chas. hdler , Son, Inc" a Pennsylvania
Corporation, by ite deed dntod June 10, 1974, and which deed ie recorded
in the Office of the Rocorder of Deede in and for Cumber1end County,
l'ollnsylvania, in llccd Dook "0", Volume 25, rng" 809, grantod llnd convoyed
unto Albert Robart Straub amt DnrbBra I.ou Strnub, his wife.
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11I11)' Inl!'!rlnlll' 1111" MnllKnnl" hy 1IIIIIdlll ,"m'rl','It'ft. 1....11111", .hnll I,,, rllllllcl' In r"lIetl In IIllth l"or"I',III1R nil u.
II..rnt''' nl 'o.,.l'IOIllIl''', tndUflil111, I.ul nfll Ihllilrlllo. 't'n"'flnnltl!'! IIlInllll')". ,,...11 nn.1 en.11I 0' .1..rullIt'lIln,y "ylrlronel'.
nl...l.nrl. RIIII lill" Il'ltnlh.
22, 1l1'11'n.I', UIHUI (1")'ll1rlll "I nil "Iun. "rrlllt'.l hy 1M, Mmlnnnr. ,Iii" ~1"'lnllnl" IIllnllllrrnlllr null nn.. vlll.1
nll,ltl'lIIlrr Ill,nll cll...rll"'RI' 1M" MIIIIRnlt'" ",i1lu...' rtlll'"!' In Itnlln"'rr, IInlluwrr ,,1,"IIIIA)' nil 1"11"'" tll It'rflllllltlllll,
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IN WI rNE..<<iS WIIEIU:OF. nnllowl" 1"," rat'cllll'tl
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II,,, IIInltl!'! 1m II,,,, (1u'ltn.ell 111"11:111 rnll'AI""11.
IN WITNE..<<;S WIIEItEOr, 1111'1('111110 1It'1 my l,nn,1 "nd nffld,,' leal.
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unll'''' n.I.I,I''''''' tI' till' nllll"" IIAIIII".I 1.1'111.,.1 I.:
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IIUIEWIIII,
UNlrOHM COVEN^NIS, Iluflflwf't nlull.f'IUI.., rn"f'lUlhl "nil "Mire"" f..llow,,: f
I. ".)lIIll'''' 1t,I'lluth,'" 1Il1llt luln...... (l'JIIII\\f't .lmlllllUlllll1l11'DJ' whenllllf' Ihr /1lhltlJ1Plllf nlllllllh'II~1111l the ....It-hled.
1I""II.Ylth'III~1 h,lht. Uflle. 1'11'1111)'11I\'11' 1ll..ll:lh~ dlnll:l" ns 11IOYldt'1 In lhr Nfllr, nlld t It' Illludt".1 tll nlltllnll'tr" lilt any "ntUle!
,\.1\'0111I1'11 MOl'tlll'" II)' Ihll Mml.lIll1'.
2. . ulnll Inr 1a..,.1 anti lu'U'.lIft. ~Ul'jf'I'I'" r"'l1tJrr'll 111111011111111('1 pnln,farh-.. atld 6 IINtU', IInIlO\\1'1 IlInlll"t' 10 I..r.lldrl
IIl1lh" ,1:11111nlllhl, In'llnlllllrlltlltll"lndllilllllllllnh'It"" nle Il~y.hlt' ullllef Ih" Nnl", untlllhe NIIII' I" pnld In 11111... "lilt Ihelt'ln
"l-llIl1h") I "ulIllt. IIt11..I\,,'lIlh nllllc )1'1111,1:"'.'" nllll n..'r'~lIIuIII. ",lIkh 11I111 "Un1111111111111 nvr.t this MUllr.llr,r, nlld llOutltl !rnll
,'II11..' 1'11I1.'11,.11 1111), 1,lu!t l,u"-I",,'llIh I,t )'I'nll)' 1'1I'11I11Il1l In..I;rllull'ulllllltll luunlllllllllltllhner.l.lUllllnllr..hlirlllh 1.1 )'I'nl" Juelllllllll
lI1'I.llIlIlI'lIl~ ,.., 1Il1'111:;II'" IflMllillll"'. 1111I1.\. "" "" ll'll'olllll1hfw f'.lullnh'd 1IIIIIIIIIr lllUI llllln Ihllr 111 IImr h)' 1..'11,11'1 fill Ih,. bIn" fll
a .. ~'"I'f1I~ IU..I hili.. lIUtlll'll'"1l1l11hlo. I'''II..mlt-~ 1111'1,"'1. Tllf' tlll..l. ~hllIlIM~ II.... In nil Ill~lIh,UIII' till' f"'I"I~II" 1.1 /In 111111111II fir ",hit..
all' iWIIII'fl III Itlll" "lIlt"i..1 I.)' n h..lf'I,II... ..Ial" /11:"11I')" ,ludIllUIla:!: t"'II.ltH U l..rll.lrr 11IIlIfll'h nil hl,lIluUun). 1.e1l.Io'r Ihnll DIIIII)' IlIf'
t Illlll.. I" I.a)" .altl lalll':lI. nIlO;C:"~IIWIII~. 111..11111111"1' l'I,'mlllln' nllllllUltllld uml... I,,'n.lu .lInllll1nke IIU I'hn'R" 'III "" JlIIhlllll1l1l11l nllld,.
11111"": tun.llIlIl Vtlll"III" hfltll'llflllllhllll !Iahl ",!WUllII'ullli nlld hili.. IIUllfl"'CI nlld l...tllJl't IIInl n"II'I' III wlIUlln "' Ih" UtIlt' 1.1
t"I.l'rtllh'u "' till. "hlllltll.c Ihnl hll"'t'~1 lllllhr tflll,I, ,lInll he Ilnltl tnlllnrowr.l. nlld unll," .ur.h nJ:lt"clllI'IlIIII 111."('. l.endel ,hnh
lIul IIC ,('O,III1('d In 1':\)' 1I,'III1W('1 ntl)' Illlr..,,1 Ult Ih,. .'uIllIIli. vlltlct .hnll Rive 10 IInrfllWer, wltlll)ut Chlllnr. nil IIlInual acc'luntluI
"I Ih,t ttllld.. .111I",111" 1'1('f1ll1l nll'1 dchU~ III lilt' ."uu."'. alld Ihl' l'uIllIlSe 'u' whl('h rneh dt'!hlt lolhr hllllll wnlllllIlntlf'. The .'lInlll
nl" Illcdal'd n.lul.lIl1ullnl ...rll1l1)' 1111 III" JIIIll. lIertllClI hy 111111 "'OII.nac.
If Ih.. '1111'111111 of Ih" FUlld. hrhl h, 1A"lIdcl. IIIAI'UII'I wllh Ihl' lulult: 1l1llnlhllll1l1llthm:nt'l nf Fund. I'a)'nhle rrlnr 10 UUt dill'
.lal"1I "llnll''fI. n-M'lUllIll'l1l.. hl.llInm.... 1'1t'1Il11ll". QlIlI nlllllllllll'lll...hall r.llttMJlhe nllluunl 1(!(IUltClllo 111I)' ."hll.'U". fllllC""IIIC'nl'.
hl~llltlll"1' IIU'"lltUlII rlllll .wIIIIII II'nlll h:!I IIII')' hili dill'. .lUdl t'J1U'~1II .hlllllx.o. at IInllower', OIIU'III, cllllf't 11'1'11I,.11, Irllllhlltl flul-
,"IH" ul f'I',lIlt"ll III 1I01lllwI't ull Ullllllhlr 11I!llnlhlll'lIll1ul tllllll'. If Ihl' nllllluIII ollho Fund. hchl h,. Lentl... .hall nul 1I0lulll-
111'111 III I....'. Inllt'lII. n'~'l'~lllrlll~. Imulluwr 1''''llIhllll' "lItIIlIOlm" lelll!! ." thl'l faU.lur, 1J0fllJ",rt Jhalllllll In 1A"lIdrr 1111 nlulIUlI1
IlI','I'II,nll hlll1nkr Ulllhr delld,'lIry wllhln Ihhb' Iln.u aller IIlJI.(''I 1If1111 l.emlt't tn f)ollower INllIt'!!UIIII't1)lII1'nl Ihrll:ol.
I1IMOIII.n)'lllf'nlIII filII fll nlllllllll' IIN,urll "I thl!! Mllllr.nJ:t'. I,,:utter ,hllU 1'1011I11111 Iduu.lln l1ulIII\nt nil" Fund. h('l,. 1>,.
1,I,lIth:r.
IIl11ul,.t llAlnl!,nl.h 18 11I:lrlll Ih~ 1'1"10('11/' hi 11,,1.1 m Ihr IlullI'll)' I, olhelwl<<> nt''1lllhe.1 11'(.('11111'.. 1.clllh:1 ,hili nprl)', tin
lalt'l limn Illnlll'llillll'ly 1111t11 Ifllhr ,.nll' "' hI' ''''lw'II)''" Itl n"llIhllloll h)' l....mIN. nil)' "uu.1I hchl hy 1.('IlIh'l nlllll' 1I111r. "' "II'
,.1h'0I11"" nil n 1'11'1111 n"1I 11'1 111(' "1II11!1 JI't"IIIt"i1 lIy Ih!l "'(IIIr,nltl'.
3. AIII.lIrllllnl1 ". l'n,turlll-. ""h'", nlll.lh'nllll' 1:1..... 1",,\'I.klC III1ll'IIVlllt'. nlll...._Ylllcuh lrrdvcol ",I...:u.kl 11",11'1 Ihl' U"ft. 1If1,1
1~""r.1lI1t1111 IIII\.I:! 11t'1f'l" ,lmIlIM' Ilt'I,UI',1 I.)' ",'u.kl IIII'I In l.n"lul"1I1 "' nlll'JllIllllllll)'nble In 1....lllt.'1 It.y Ih'IlIll\,'l'1 uu.lc' 1';""-
1!llIl'h:! hl.tl'l.I.I1Il'lllu hllt.It'S1 II:I,nhl,. "" 1111' 1I,,1t! nlld 1111 t'ltlllll! ^llvflIlCf'!f. U nil,.. nlld Ihen Inlllf.' 1'11""'11:11 II' UII' Unh' lUIIIIII
Ih.. 1'11111'111111 II' .'utlll,. ^lh'nlltrll.1I nil)'.
I. C'lmlltll: Urn", I1mr"\\TI "IH,II I""" nl1luI'~1 n'l~-r~'IlU!I,t!I nll,1 ollltt (ll/lInt'... nne~ nnd hlllWl'lllhlll' IIlhlhulrrhle In 'hc
1'1"1"'11\' \\l1h-1l mil". nUnlll1l I" 1m II)' 11\"'1 Ihl'l M'lllr.;lr.r. nl111 .t"Umllcutlll. 1I1111f. nt 1,clldrl'II 1I1.II.mlll IIII' "Inlnlt'1 IlItlVld'lIt
1I11.1.'f 1;lnnJ:,nl'h 2 11I'II'ullll h)' ""'''"'''1 flIllkll1l! 11;1)1111;.'111. whru due. dh('t"U, lu Ih" 1"1)'l'e Ihetellf. lIurH.",','r ..hnll 111111111111".
hlllll~h In 1,,'II.h', nil tl"llf'r. "' 11l"'lUnt~ ,It". flllllt'l Ihll' Ilnllll:wI.h. nlld )n tht' I'VCllt Ihll,"wrr !!hrtll m:lhll IOI1JUII,"1 tllt,.t:U",
""1111\\"'1 II."nlll"'IIIIIIII)' tUl"I~h In 1.l'Iull'l H'trh'" ,.''It'''Uf'lll~ "Iwh I,n,m""tl. 1101111\\'1'1 IIhrrIlIIIOlllllU)' ,1I~,:hnIFCe IUl "'~II willi II
1m.. 1.11..111\' t'\'f'l Ihlll MUlIr.ar,.'; t'llIVI.h..I.lhlllI1,'IIII","1 1.llnll u..1 be '1!fllllll"lln IU1'l':hDtr.f.' nn,. '1lth Ir.n IIU IlIIln n.lh',luw", ,111'111
I'I~",,'III \\~llIhll! In 11l"lllt""tll',,1 n' tin' ..111111,,11'''1 ''''IIft',II.,. lnoh 111'11 III n IlIl1ll1l('1 nIT"lllnlll" lu 1.r1l.1,'I. lIr phnlllll r.uud '1I11h
","1t"1 '11th 11"11 h".I'1 t1t'kllll,''''''"'''UU'1l1III I'II,h ""11111. "'r.lIIIIIUI'I..,lllln" ",lIl1h "1....ln t' In 1>1 ('vrul III" ,'II'nll'f'm,'llluf Ihl-III-II
"1 11'11t,lImr "' Ill" 1'1111"'11,- III 1111.... 1'1ll11l1l'1I'nl.
~. 11:1'"111 hl.UUIU'f'_ 1\011111\'1" 0:11:111 kl"'lllhl'lllIl'IIO\'l'lIu,"IJ JI'IW r.I,lllIn"r herrn'lrl r.lertl!fl (In Iht' l'IIIIIl'II,.II1!lult',1 :lr,nl....t
I..", It) 1111', hMnlfl!l hlthull'" \\'Ilhlllllu.' It'llll ""111,.". nll'lVrlII,.<,"t nnot .Ilrh nlllt., ImL,,,h, n!l 1A'IUII'1 11m)' 1t"lllIhe tllIll III Mllh
111l""IUh 1I1llllllr lIu.h IW'lludlt n. I....mlt.' Illn,' It''I''I...: 1"lIvillrfl. thnt l~n.II'llIlmlll1,,1 tl"fluhfO I"nl th.. nmllllnl fir '"1'1t "II\'l'Inl\"
....",.11111111 ntnuIIll1 IIf U1"I'lnnl' ""111111,.1111 Jln.\' IIw IIUllllllle,'uu'd b, Iltl. "'mlr,nlle.
'1Ilt. hl"lIInlll't:' "Ulllt'l 11I",'ItIlIl~ "It. lU"lIlllllt'f' .11lI11 tit:' dlU$('1I111 1""ltoWN lIuhJecllo nl'llloval by 1...".1"1: I.III\/Illl'd. Ihlll
..mh "1'I'IlI,'nl .hnlllllll he IllUf'II."l1nhl)' \\'lIhlll'lIl ^lIl"l'mhlll" 011 In,Ufnnre IIIIUd", ~h:J1I be Imld nl lA'u.lcr'!! tlrlloll In t111~
1Il:l1ll1t:1 III,,\.......llIlIdl.t Illllnr,rnllh 2 hNCll' III h)' lIullllwet ",nkllll "II,,'lIIrlll. when dllt'. dhrclllll) Ihe In,mance I'IIfllet.
;\11 Ul~IIt(lIlt"1' I"'llll'k' nnd rl'fll'\\'nlll 'hC:lrlllllhnlllJr. In ft'lm D<<'t'fllabte In Loud!:!t Ilnd .hrrlllllrlUlJr a ,Inllltnld lUoll,:lle c1nuse
111111\'''1 "II nn.1 In 1111111 nen-"Inl.lr 11I1,,'lIth'l. l.r.lIdcl shnll hllvt' lilt' ,I,hlm hnlllllle pnllt'lrs and .el1l'Wnlll thelt'l... 8ud Uonllwcl
~halll'lullll,fl,. Illutl-II Inl",u.I,'1 nlllf'lIC'unlnOlUt'NllltllJ Dlllt'l't'1111' ot IltIhllllrrn'ulUl. III Ihe C'velll or 1,"1I. IInllO"lttt .hnll lth'e
111"1111.1 u..tln' Iollhr 11I~lIlnlll'f' I'mll... nmll"'IlIII.t.II",II~Iulcr luny lII:lk,. Ploo'I" lu'!t If nnl mnde 1'.lIlul'll,. h)' IllIItowet.
1'nlnAI,,'n.11'! nllllll"IIIt\\I'1 1I111(',,\I~f'lIltll,(, In wtlUnl!. hl'Ufllll('e II.Offrd. .lInll he nJlrllt'd 10 tC'!ItolnUIlIl "I 1t'llllll tlf lite
1.1..1....11). flllI1UII!I'lI.lllfI\'hlr,1 ~Ildl t~I,,'nlllln III U'llllh llt rt:ulItJlllh'lIl1.Y h'n,lhlr Itlld Ihl' It'cUlIl)' of 1111, MurlnnFCl' I, ntll t11t't~b)'
Illlp;!l",.!. II !tUI'It JI.!tltllnU"1I11f 1f'1....h I_ 1I1llt'f,m"mlt'llllv IcnpIIlI!: UI II Ihr t:rl'mll)' II' thl. Morlrnr.e WlIlIhI IN' hllllnhrd. Ihe
IU"'''II11'I'I'II...,....11I ~111I111... nl'l.t"'d '..1111' "11111. HTuH'.1 It, 'Ihlt: MIIIIr.nl:ll. wllh Ih~ t'1It'M,.1I nlly,I'"" III nOl"u""t:I. If 11m 1'1"1"'11)'
.. ulml"I"I",'1 la." 1I111111\\'I'r "I 111"11111\"1'1 l:tll~ I.. ""'1,,,,,,1 lu l.c.ntl,.t within :U1 ,In,!! nll"t nutler hI Iol'ndl't In 11"tluwtt IIlal Ihc
j'I'IIII11le',' ,'mtlt'l I.llf'rs h. FI'III,' n f lallll rill III~m:"" I' IM'Ill'III". 1":l1llft II III111llul,ed hi 1,111<<1 alld nllllly IlIr 11l~llthllte IlIfK't'f'tI!i nl
Ilntll"'. "1'11I'1l,'1I11f'1 IIlII'~I"lnliu" OIl lI'I'.lh ..'lfll.I'I"I"'Ih' III 'ulht' t:um~ 'l'l'IIlI"i1 by Ihlllll MIIII.nr....
ttlllt.~.. 1..'11''''1 llIulll,,"1HU'1 "lh,'I\\I'-" lI,~lf'" In wrlllu!! till)' Itlch nl'pllt:!lh." t.t l.ltlCl'Nlll 10 1"llIrllml ,lml1 1101 edcmlltl
1....11....1II. IIn' Ih... flalt. "I lhf! 1lI,,"II1I)" In~lalllllf'lll" 11'1,"11..1111 iUII:unlIIPI'h' I nml 2 11,....,,1 '" "'Innnf' Ill(' nmllllnl"t f1urh 1II!'oI"II-
1111111..
II m..kll''1IP1:lnl.h In hl'II'f" 1111' 1."......11.\. 1'\ hl'IIIII,',1 It). I..lltll.t. nil rlnllt.tIlll' ftlllllutru.'d ,,'11111111\\"'1 III nu.ll" nIl)' hl.lll-
11111'1' ""lIdt.,, nlllllu nll.lln 111..1."....'('11, llif.I'~.1 'In Ih,' "1I1t'1I' 111 thl' IIIIII!! ~rcml"l hylhl. Muttr,ltr.1' hl1ll1r.llnlrly 1IIIur In .lIl'h '1111'
"I 1l1"llIllIlIhtllJ ".."U1,," hllm' nlllll"" In Un' l'I"III'lly Ilrllll hllh"f1nle tit nt"llul~III1111 shnllllnu. tlll.('l1llrl.
fl. '.'....rl\'lllllll' "UlI l'tInlnlrtl:mrr nl 1'lnllrll)lI...II,,,'hlllll'1 C"IIIt1nl11lnlu",~. 1111t1f1\I"cl .hllll k....lllhr l'IIII",lt)' In r,,,,,,,t tl'll:l1t
11Il.1 "hall 1I111Iw'"1I1I '" 1"'11111I11 1\'11,11'. 1IIIIIllhllll'nl. fll IIl'lC'llnlnlllllllll Ihr. 1'1llloc'II)' nil.' ,hnll ettllll.11 wllh 11If' IlJlIVblllul "I nn,.
I.'u"". IIlhlll Polnlll:nl~" I" ,," II "'n~",,,.Itl. II Ihl'l Mllllr.n&!r III 1111 n 1'1It111"lIIll1hlfll 1mlt. I1I1"o",rr J 11111111'111'"11 nil uf lJuno"'t'r'.
1'''lh~flll''l1'1lllllh'l Ihl' ''''1'1110111111111' f,'llIIolllllllhun Itr 11I1I"lrI~fl"I..I. Ihr 1o)'-I:\wlI nllll rrr.ulnUolI~ Ilf Ihr C'llltIllIllllnlUIIt pIIIJI'!'1 nllll
n'II,lilul'lllllutmlU'utll.
1. 1'llItrtlhm 1I11...ll1lrl'!! fl:rrlulh. If n......\\'1'1 fnlll t'lllI~tlfllllllhe tll\/CUnlllll nllll /Ij!Irc:IUt'htJ l'llulnln"llln thl. Mnlh:n.e. III
II /llll nl'II"lI I" 111I"''t:dlllft I. r-uUlllII'IU'r.1 whkh 1Illlll'IInlll nlft'rtJ 1.('IIIIt't', Il1lrrrllllllhe 1'lntK'.ll. hlthuJlllft. hul not limite-II Ill.
1'lIlhlt'lll dlllnnln.II1C1IIYrm',,'. et",le f'llfnHf'lUI'III. "I Illlnllft,.tnl'lIl' (It 11fDrt'f'l11r111~ Invnh'IUlC II banlclUfllllt ttet't'llr.nl. IlIl'n (.condet II
1."II'ln's 1'1.llult. ","'lIl1l1llt(' I" 11111 "1\\1'1.11I:1) 111111\,. ~11t"l, nllJlCnlllllt~1Io III,huIM! lmeh 'UIU" nnd lake lurh ICUIlIt tI'IlI nett'ISIIII)'lo
1'I"lt'fll.l'l1Ill't'" IlIlrll'd. ludlllthll:. 11'11 ",.llhlllll',IIII.llId"u,",,,,,,"I',, trn,nnllbl(' tlllo,"I')'" ft'M ""11 r.ltlty ullnn Ihl' l'lopell, ,,,
lII:1kl''''I,nllll. Au)" IIIl1t1IUlh Iliol'lII!!..,1 11.\' t"'lIilN I"tlmnnlln 'his ",..,nlllllllh 1. \\11th InlelMllhclf:ltn. ~hlll1ll1'CflllIr I,Mlllnnnllu.
f'....".lltU... 'II IInllnwrt ~l'nlf',1 h.... Ihlll Pth'IIr.III\". IInll''', I1nllllWl'1 IIn.II."'1I1rl nfllrt' 10 nlhl't Irlut'! fir IIIII"ICIII. Illeh Itlllrom".
'hall I... I.n).;rhlr 11111'11 11I.111'1' h..lIl 10111... I" 11."1""'1'1 lI"IIII.,.lIlIn 1....)'..11.111 1I1"IC'l.I. n'III shnll Itcnl 1t1lrlc-1 IIIUI Ih~ dnle Ilf ,tI!!-
1'11I1<"11"'1.1 hi Ihr IntI:' "tnll'" hi Ih" II..I.! ll,,"'.r 1..."III"1I1Ilr Inl"II'fl hi "lfll Inltl "''''lid ht' MllltOI". Itl nllllllrllhle Inw. III whlrh
('l'I'''' 'Udlllllllllllltll Jhnlllot't1' IlIh.'lr,11I1 IlIr hlr. INlln'e I'I'W"ulhlr. h)' nl'lllIrnhlt> IlIw. NlIlhlng ('lIl1lnlllNI In Ihl. l1/lIIt.'tlllh '7
pllnU r"'luhp. I...lllil't In Irlt'1lt n",. t'J1I"'"~" III Iln nu,. nI'l ht'll'lIl1dl't.
fI_ Inll1Jrl'tlon I.('nltrt IIIny IIIllkl' "I l'IIII'r In I", "'lIIh' 'rllwuntllr I!ulrll" IIfIOII an,lln~IK"C:llonll flf the 1"OIIl'Ib'. rlnvldlld tlull
I.Nllh.t 11111I11 .1'.... I1I1fJll\\'rt unlll'(' 1111011 III nll.\' !tlll'h 11I-llI'rllulI ~1'I'tlfllll" tl'n'lllllnh'<' tnll'r 11It'll'lnr 1t'lntf'llln 1A'"dl"" Inlt'.t'Illn
Ill,. 1'1011(".1)'.
It. "clI"I,",""l1l1n. The III.....'....,,' '" ~II). nWIIHl101 ....r.lI11 flit dAlIllll!"" .1111'1"1 lit t"llIuC'lllll'nllnl. III ('lImlt'tUIIII wllh nUII"f1t1drll1-
nnllll" lit (1Iht't Inklllg nl t"t' 'lfllM'II.\. '" 11:lIIIII"If'nl. "t '"l I'II11Vr)'nll;',. in Ih'IIII' C'IIllllrmllnllnu. nlf' hrl""" nulr.llr.1 nlld !thnll lit'
1.,,1.1 III 1A'lIIlrr.
In tht' r\'rlll 'If 1I11l1nl tllklnn .., Il,,, 1'11'1"'11\'. IIII' IlI....rNt.. 'hnlll... nl".II0:01 ", IIII' 1(11I", Cl'tulr,111\' till" MuII.nrte. ,,'1I1t tilt'
f''''f'.,_. II tI"y. Ilnhllullnllll\\'N. In lI.r "\"'111 .., I. I';ull:ll hl!lur. III till' 1''''''I'',lf. IIl1lr'1l111 IhuH",'rr 1111.1 i...,Ulrl nlhr.",I"" nftlrr In
II ,11111I1. !l1l'11' ~lplIl". 111'1'111"111111111' l;lllll" '0"1'11I\-,1 I.:,' Ihl, Mllllr.al~t. "lIh 1'1111'11111"11 Ilf 1I,,~ 1"1"." lh II~ I.. "'llIill I.. Ihnl IIIIIllIIllhlll
\\hhh 1I11'lIl11H1mllllllll' Mil"" "'1"11"'01 I., Ihl.. M",IWI,:,' 1IIIIIII'llIal"'". 1"1", ,,, Ihl' It'l",..1 lakhu: 1"111', ,..II..' 11I1t '""lk'" ,",.111"..1
1III""lfl,,:II, !tlillH',lIl1h.t'-I',h" lullll' .1'1'" "llllkl.,.:. \\llh Iht,lmltlllll',.III'I' "I'"'t"'II"I~,lllllIlllllllII\I-1
1111,,' "'"1",1," I.. 1I";IIIIIIIlInll" lIulI"\\I"' '" Illllll'l ""lIn' 1,.,.1.1'11,1." In 11"11111\'" IIml Illl~ ,,,,"1"11'11'" "lh'" I" ,"uk.' 1111
;11\':1111 1'1 PI'IIIt'11 ,.".111I I'" ,lalll;II:' t,. ""'111I,., lall'l ,,, 11"'lIM'IlIII11 1..'lIlh', \\lIhlll :1II1Ia,\II; 0" lh.~ 1I:lll! "I rill h lll,lIlr. 1""11111-, h.
111111..111"..11., ..-.,Ikll 11I..1111'1,1,- II... "1',,,-1"11" 1111."11""1'" "1,li"III'1t11l'1 III 11'~I"'I,lh'lI "1 11"':111 "' IIIl' l'I"'.',ly III I" II", lllUll'" "1"
'llIl"1' h,'lhl'l M",Ir.m:".
Ilull"''' 1..11I11'1 1111,11"'1'"\\1'1 ,.lhI'IWhl' n,:II" In "'IIIIIIQ, nlly .lIth III.,.I\'-nll'''' ." I"'MI'I:'I.. 1'1 1.11111 111111 .II!JII 11I11 ('lIleml Itl
1....!lM"K"' 1111'1111"11011' "' till' utl'lIlhl,\ 111':1;,111111'111.. II'''''H'II In 11I!1l1l0r.III1' I" , flllll:! '11'11'''' "' Ihlllll'" Ih,' 11I1l'.IIIlIII' 11 III II 11I.lnll
1I1l'IlI~
la. Unll"'U'1 NIIIII",n.'11. I.;,h-II.,I"II ..,",.. 11111I' '"I"n)'IIIt'"ll" IlI'MIIIII'nll"" .., 11111,,'111:,11,," II' II..' '.""1" 101'1111111,\ UII~
l\l""I~;"'I' r.IlI"Il"II..\ 1...",11-, ,,, :111" !II'" ...." 11I11I"....~I..r 1I'llmtl" .IHlIIII"I"III',"h'l" 11'1':1'1',111 mn' Illilllll' I. 1111' liahllll)' ;.111...
"1 h!III:I' 11o"""I" 111111 ""11+1" "1'" '111 '1"'.'''11' hI 111"'11" l. IA'Ulkl 'hall 11101 I..' 11"1"11.., ,.. '"11I11"'1111' 1'1'14'1'.111'1:" ;I,:alll~1 ..III h IoOU"
1'_"'" "I II'III~I' h. 1,,''''I.llh.1I' 'III I"'~ 1Il1'l11 ,.1 1,11'1" wl~..' 1"''111I.\' 11II11I11Im'IoIIl 1" IIII' '11I11'\ !I'IIIII'" lot Ihl" M"II,.."... I.y "'1I~"" "'
:111.\ 111'1II:1II,IIII:IIII,".\'lIl1"",II:II':.III""""," ""+lIl'''II1\\'I.,'""mTI,!<,,",,,llIlnlrll...l.
II. I-"nlhr.'lIl1rr II,. Id'llIltt Nu' II \\"Ih'l'l. An)' In,l...n,n1l('..lIy IA'tldr, JIl (':"I.,r1\llIl'! nlly ,J,:hllll Il:lIlrtly Ill'frllwlr.r. III olh('.~
\\I~.. /lIIIII,It-,1 It). 1I111.III:>Ih1.. In\\', FIIIIIIII"II... n \\nl\." "' '" 11Ir('hlllt. Ihl' l"l'ld~ I" IIlly ,Jr.III"1 'l'IIIt.eff 11I'1"lll1dl'l. Tit.. 11I1"'1I1l'~
1111'111'" IW.1ll11l1l'l' 101 1111.' Im,'IIII'II' ,,'loI!""~ HI ..U"., 11"11'1 III dllll"'" II)' 1".,ull'l ,hnllll,,1 III' n wnh,t., "' "'11I11'1'. ,I!tlll'" 1IC'",I...n'r
Ihl' 1IInIIll1l.\' .., Ihl' 1I1l1c'hh-,hll'~O: .....lIlt'll It). Ihl.. M...lr.:lr,",
12. Iltlllt'r1h'" .'11I111I1:"'''''. ^"II'IIlI'lIi""I"It\'hlt..llllIIIIII MllIlf!lll!I' nil' 111\1111.-1 ntll'l'tlllllllatlvl' 1'1 nllY 1I1h,., IIr.hlm ,..II....I~
III"It., 1111.. Mllllr,nr.r ,'. nUIIII"'II,.>, Ill\\' 111"11" h. itll,'lIIa,' III' ""I'lIl~I..II'I"'I'UIII'lIlh'.IIIII"'"'llIh'lIl1y 111..11111.....1\.1.1).
U. 'hl........"I,..,"ul ^"'IIII" IIl1ulIIl: .llIlnlllllll M"'I',~llJlIhlllbl l'al,UII"" ',hl' l'u\'I"lnlllll nml nl!lu'IIII'nl.. 1II'II'In (1ll1lnltll'll
'h:"1 IIllftl, 11I11'11". .It!h" 1I1,,,'lIIl1ln ,,11'111 hlllll' I... II... 1I"I".('lIvl' "111,'11'''"111 nlll' 1I,...Ir,lIp! ,.f ,,,'mll', nllll n""I1\\'l'r. ,uhlnt tu lhC'
1"'I\'ld""'lllf '1111111:1111'" 11111'11"1". ^l1, "'.'11;1111.. 1111,1 nr.II'I'llll'lIl" +II 11","\\"1 ,11:111 hi' J"llIt 1,III'lIl'\'I'lnl. '1'111' rll"II'IlI!'1 nllll hrndlll!:-
.., IIH' 11:1I;tr,tnll!l....1 hl'l ~1t'11t~:I':I' 1111' '''I 1""\'1'1111'111'1' '"11,. nllll nil' 11111 ,.. 114' "'1"1111111111"'111'1 III Ilrlhlr III.' '"Il\'bl""" 111'1"111.
I'. N..lI..r. ,\,,' ",,'hi' I.. 1I"11IIt\l'1 1'1"\",1111 '"1 1111111.. M,'d.."r.1" ~lIall 10,. l:h"'1I h)' 11I"1111," 'Ill'" 'Hllk.' It)' l...,llIIrtl 111:111
11l1.hl",,'llln 1111""\\1'1 "'Ihl' 1'1"1'1'11\ ^,llh.".. ,lalli' ,...1,,1\'. N'tt,,1 hll nllY ,,"Ih-.' ""I"hl'IIUII,IN 1':lIIIIIIIII,h In 111'11:'1' lulll! J{lwll
1'111'11110\\1'1 JII,llI' 111;'11I11'1 ,11,...-,11'1111". 1II'I'I\I'jll.I,. Inw_ ^"Y IIl,lln' 1"II\'hh,III"1 III Ill" M"IIr.nr.I' ,hnlll... 11c"1'III1'1lln '"IVr hl'l.'"
1!ln'l1 III 11""11\\"'1 wh"1I 1~ln'lI III II... 111',11"'1 .I,,,,I!:lmll'I' hl'II'11I
U, l'llllllflll IUn,'.nerl I hn-rl 1I111r. 1.>1"1 M",.rl;1hIlIlJ. 'fhllllllllll "' IIlllllr,ar.I' ('I11111Ihl"~ 11,,11'"1111'''\'1'11:1111'' '''1 "nUllllnluM' ,11111
"""111111"'11I "11\'1'111I11'. wllh Ihulh-.I \'illl:III""~ I.,. 11ll1~,lldl,," '" ",""llIlIh' II 11I111111111 r.I'I"U1lly Ind'IlII1('IIII'''\'I'IJlIR trnlll.II/IC,lr.
'1 1I1~ MI'II'!:I'~" rhall III' ,:11\.'.11....1 hy lh.. law "IIIif' III,I.-.Ih 1\1111 III \\hll II IIII' 1'1"1"'11\' I.. 111I.rtlt'l1. III thl" f......1I1 \hlll ""Y 1'lIlvl" on III
Ihlltl' 1,'lhl. M"I"~lIl:" 1I11Ill' Nllh' 1'''11111, I' \\ II" ill'I,III-:lhll' frl\\'. ~I" II Illll,lId , lalllll.1 "'h-I-l ..lht'l 1'I"vhllil1'll.f 1I1111 l\IllllJ!nr.e til
1101' ""'" whlrlt 111111..' 1:1\'1'11 1'1"'11 \t 111""11 'Iu' 11'lIl1il Iltll: I",,\'I! i"Il. nnll I" 'hlo: 1".11 till' lIIIO\'I~"'"" I" IIII' "'''II'lrtJ!t. 1I1l111hC' Nllh'
"'" l"'dall'lll" hi' '1'\'I'I!Jhh'.
111. nnun",,", C'nl')'. fllI'II1\\'I'1 ~11lI1I1... hlllll~h''I1 n 1'111111111111'.1 ""1')' fI' Ihlll M"'lnnr,t. III thr thnr '"~ r~If.f'1"1I111l1l1l1 nilI" ,"n"~
11:,11,,11111"1'111.
t,
u
"
(.'('1
n. 'hllll"rt 011111" J""IIUhl ^""lIII1IIUIIII. If nll"l 1111)' '11n( III the 1""'11"1)' I" IlIIllllelf~llt IIll'll,ln III 1111111111 t1nlltfc:ftctl II)'
''''II'W'I'' \\'Uhnllt 1,.(.n....'."IIII"r wlllkll 1'1'"'1'111. 1.~.-r...III1!t Cn, Ih.. t'u~ntl(>n "I n Urn tll ('1lt'llInh(',nurc .ul..,utlnntr In thl, MIIII-
l!m'I'. thl Ih.. ''If"nll''lI fll n l'llIl'h:i"" ",,,""~' '4'1'lIIl1y hlh"I'"t 1m 1I'"I'l('lIn'" nlllllllln('('!I. Cr) II hflll.'l'r I,y IIr\'I!lI'. dC!lt'C'nl 01' lJ)
"1'I'lflll"'I.., ':il\' "1"'" tll,'III'nllllO' n l"h,1 "'IInlll "I Itll Ihl' 1U1l1l'..r nn,'ll'nr." IlIhlllllrll""l fir lit"... ~'I'n""1 11-.." 11(,1 ('"ulnllthlll nit
"1,11,." '..1.111.110'.... 1"'IIIIt'1 11111\, Itl I~.".I"I.. 1."II"u. 111'11"11' "II UIO' "'''"' ~"I.IltI..II.,. thl" l\l"llr.nr,t" 11,1". 1""l1l'lllnt,.I.,' tlllr nllllltjl)'~
l,'.I,. 11'111"'1 rhall h:I\'r \\111\.,..1 ,"rlt "1,111111 I.. 11I'1,''''lnll' If'llll'" 1111111' ml"III'IIlII.'l'I.I,('mlr'l DIllI Ihl' 1,"'1'1.1'11 1'1 \\'h.'1lI 1I11'I'Ilt/'.
II'" I' 1111.., ,..1.111I hllwlt'IINI "'lI,,1I :U:'II"'II...111 h, WIIlI"'1 hnl till' I"lrlUI fl' "liCit l'I'I!I"nl' "nll-Ind'"\' III l.rlllll" ftml'hnt I U'
It.h'If..t l'lnnlll.. 1111 Ihl" "Ulll~ 1II"I'IIIUI h.,. Ihl" M"I''':II:'' rh..n hr nt lIUdl tlllr n, 1"'11I"" "hnllll'lllll''11. 111.('11I1.., hll!l Wlllh'CII till'
"1'11,'11 III "("'I..klnh' "",,,hll'd III 11,1... l.nll.r.1Il1,1t Ii '111,1 If 1111111'\"1"'11 ~1II'11'.'"r III 11111'11'.1 hn.. ,,"('I'IIIC:II n \\'11I...n ntlllllllptlllll
al:ll'I'II...1I1 nt'l",'If'l111l \\"111111I: "" 1"'1111"1, 1..,,,.1," '11:11111.1,':'." 11.111111\\'1" ""11I1111 uhllr.rtlltntl Ululrl Ihl.. M"III:nl:l' 1I11l'Ihl' Nlltl'.
If I ('Illll'r 1''1I',r1-I'lI ''111,11 1'1.11"" ,.. :ttld'.IU.... 11'11'''"' -:11:11111I,'111 II,,""\\"I'I t!+ltll" "' 1It'I'I"'f'lnlll," III nl'rllllln'lt.c \\'lIh ,t:I.n~
rl "I'h I' h"II...1 ~lIrh 1I"lIl"r ,hllll \....,."". :, I" 11,,,'"1 ,,,.t "'".. Ihrtll :III dn~"1 hlllll tI.., cln'" ,ltr 1I1l1l('f' III 111:111,"1' "Ilhht which 11'"-
'''\\''1 11111~- "a~' III" "Ill"" 11r-1'l""'II. lit" If 11"""\\"1'1 'nUll III 1111)' ~lItll I'llI"!" 1111.., If! till' rx"hl\tlou..' IIl1th '11'1""1. lol'lIIlt'r lIil"'.
\\ 11111,"1 1IIIIhl'I IInth-.. III' .11'11I"'''' 1111 'l"II"\\"I, 111\'111:1' nllY trlllt"1II"lI,"'IIIlIlh'lllt,. 11:'I,nJ!ltlllh 111111'11'1.1.
NON.lINlf'oUM ('O\'EN^NIS I1nllf!\\.... tUIfI1..."tll" hll'1.... I'",'rnnnl fttlll ft!l.rp. 1111 rnlln\'tllo!
lit. Illl""""t',,, nfdllln n"'II''':lII'" U..h\llhrl:lll!lIllr. l"'IllI(,I'~ "1'1",,1('11111"" ,.1 ll:.. 11111' -ct'lIIl.'r1 "" Ihl. p,fmlr.;lr.e. nOltn\\'t'r
~h'II1It:l"'" Ih.. Ildll III hn\'I' 1111_\' ,,,,.....1.,11111".. 111'1'0111 11\' 1,1'11I11"1 In rllt"II1' Ihl'l Mill 11'1'1:1' 111~1",,"IIIllICII nl nil) tlmc rlllll I..
;.1 "'n~I"lIr 1t"1II 1,,1"11,,1111' 1"11I1Il"1..-,.""..1 ..11ol.1.,h..: 11111 thl'IIII"" rllll' I" ..Ih,'f IIl'1Irl:tl r":111' IJI"~lInllllllllt'" "111111~nr.t. II: fill
1'''11''1\1'1 ";l'~ '1'lItl\11I1I !l1I1I'_ \\hldl1\,,"lt1l,,'III1'IIIII1""Il.I~1 Ihl. ftl..,lr:II:I', IIII' N"lt. I'lIrllI,'II'" !1"1'uIIIIl! ""hul! Alh'lllllt'lI, It
lUll'. h~IIII" "I1t.I"IIIIIIIII''''III1I,..I: lit) I'''II'ut'l ,'11I1" "111.11.;11,1..... I.f 1111)" 11111'" l'II\'I'tt;lIIlf1 1'1 nr,lrNIII'III. ", 1\"11"'\"" ...,"lnhll'"
hlllllll MII"r.:tr:t:': 11'1 11""11\\1'1 1';1.\'" all"':I...na"I.. I'lfl""""'!! hl"III1I'11 It). 1,1'11,11" III 1'1I1",,-llIn II... 1'I.,'I'II;1nl': 111111 nnl('t'III1,"I"..1
11"'1'''''.'1' 1I'II1ulnl'lllll Ihl.. M'" r:"r.1' i,ll,l 1111'111"1..1111' 1.I.wlrl'r II'ml'llh'" II" I"",'J,"',IIII 1l.'lnr,nllh ,n h'I,'II'. (""'IItIIIl!!. hili ....,
1i1ll'''.I'". Itrt"""nhll' 1111'.'111..\'.'11.....-: 1II111 1.11 lIul'..\\.'1 'nit... '11l'h ndl"" rt~ '1'11111"1 Inrty lI'n""I1.,hl" 11"llIh'~ I" nr'lUII' tlllllllll"
11011 "t tlth "'..I'r.llr.I'. 1,1'111""'" IIlh.It',,1 111111" l"fll_'II~' nllll 111"'"\\'''''- "bllr."U..n III 1'1" till' 'IIIIII'! '\1'1'1111'11 1.\' Ihl" M"III':II:'
. 10:11"'1'111111111' 111I111,":111"11 1"_'11' lid, 1':'1 ",,"I :1lI.11111" I", 11"11n\\I'I. 'III.. P,1...1l!'I,~I' 111111 till' 1II,IIr..,'I"II~ ~I" 111".1 I"'I,'I,~' ,111111 II',
1":I!t1 III '"11 1"101' 1111.1 I'Il''I,1 n... II ".. """1 h-I:,II"II h;..' '"''11111'''
211. .\""Ientllrlll ft' IIrlllll1 '\1"11I1111111""111' IIr."lnt: 1.r",lr' 11I1'n....",""'"' ^"- "1lIlUhltlnl ~'(lIIltr II("II'\IIIIII'I.I1''''''\\'''' Ill''''''''
w~lrll. I" I,,'u,h, lilt. '1'I11~ "' Ihl" 1'1"1_,1\-. l'I,,\'I.It',1 thnt 11"11"\\'1:" ,""11. 1111+1f III l'!.I('Ir1nllnllllll...., .",nr.llIl.h I" Ilt't'.." I"
ah:IIIIIIIIIIII4'1I1 ..f II". ,....'...'Iv. hll\'I' lilt' I h:ltl I.. 11.lkl'l 11I111 Ir!r.I" ,,-Ul'1I '1'111""" Ih..y hl'I'lIIl1l' 11111' nll.III:1~'""h',
1'1"'" nl'tl'll'lnllulIlIlIIk, I'lllnelnl,h IA h"lI'lIt "I IIltrtmlnlllllt'l11 IIf Ihp. "11"""1,.. 1.1'11111". '" f1l"'''II. II)' nlt,'nl "' b)' JII.lldntl).
nl"".II,1I'11 ,,"n.h'I'" "11:.111'1' 1'111I1I...1 I.. 1.,,1," 111"'11. IlIkl' l"I"'...,."lulI ", nllll Il1nll~rr n,p' 1'1'11,,:,1,. ",'" III I'll' h... Ih.. '1~Il'''1 ,,' II...
l'I"I,,'lh 11I",".lInl: Ih'''''I.wt lhlt'. ^"Il'III"II.nnl...lIoC 1'+:11,1..1 III Ihl' It'I1'h'" .11:111 hI' nl",III'Illhtll+l1l11.\"I1II'1I1 ..1 1hl' l".."..ul
II.ltllrtrl'llll'lI' 1.11111' f'IIII"'I'Y nllll "ul'"'d,"'1I ..I 11'111". IlIdllllll1:!. 11IIt 11"1 Ihnll...IIOI, 11',,'h'('I'. ff"MI. \.II'llIhlll11' UII I,.,...,h'I'I'1I ''''lI,l~
'11I1'I.rt.!>1I11101,, II!IIIllIr'.lIlrt.... nwlllll"1I ,..till' 0111". '1""IIII'!1 h)' 1101_ Mnl'~"'!I' 1,1'11.11'1 nllll th,. ,rn' "1" ~htllll,,' Ihht.. III 1111'''11111
....1.,. ..., 1111..1' tl'lll" nrlnnlly 11'1'1'1\'1,.1
ft. I'uhnr .\tlU'ltrll. '1'''11I11''111I'-' ." 1'''''''\\1'1. '~IIII",. nl (.('IIt1('I'" "1111"11. I.,...t tll 'I'trnll(" II' thlll M",Ir.ntf!. mn,. ,"nkr
11I1111l' ^.I\'nl1t('llln 11"''''\\"('1. ~lIrh Fnl"'I' ^'lvnIlH.... \l'lth 1111"""1 IIINC!>II. ..h:.lIl... ll('('llf('fIIJ)' 1111' MIllIr.:I!!.' \\'h~1I r.\'III('III-nI h)'
1'lj'UII"fII'" 11I,1.... ,Inllnr. tllnt ~nlrl ""'1'- nil' ."('lIIt'11 ""'t'II\'. At 11l1lhllr ,ltnlllllr lulnrlf1rtl nlllnllnl Ii' 11,1' hl.khh'IIIII"" R'('U1l',lll\'
1111.. "'''lll'lJl:''.llllllllrt",III1Il tllll111 ",h'!JIIII',111I nrl"1."lal1r'; 1I1",C'wlth tn,I'"lft't Ihr 'I1'('lIIll, nl Ull~ "'nllllnllr. (''1cM'llth.. n.lr.hllil
""lnUlllllf 'hI' NII'l:'.
2:1. l'lIrrlll111r I\hlll"" 1\lnllllll". If rtll It' I'nlt n' Ihl' !'Ulll~ rl"rlltrd h" 111111 Mllltl!nr.r nl(' Irnlln ""lIn\\"t"t In "rquhr tUlt' tll
11.1' 1""I".,t,.. thl, "'''II('n!!1' I_ h,II'Io~' ,k"nll-.I III lor 11 1"".hn"',miU"_,,,rl'r~JlJr(tl..ltllla
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Return TOI
ANDREW M. rIPA. JR.
IlIIO"U'Y lit I.ft..,.,
~n.Utl.IH:r. AI UAnkrl !Iuur'
r,lIM.IOI>:It'. f'r:lItt!WI VMJI^ "072
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IMPORTANT: NOTICE I" dOMEOWNERS' EMERGENCY MORTGAGE Me INCE ACT OF 1983,
PLEASE READ THIS NOTICE, YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE TOWJlAD YOUR MORTGAGE PAYMENTS.
RE: Accounl No, 110?OO!i51 Dalo: 1/6/"~
902 Villl('v ~;I'T'!!.
ErmIn. I'A lilJ2~-lr,11
Kart.lc C. [1/155
CENTRAL PENNSYLVANIA SAVINGS ASSOCIATION
TO:
FROM:
Your mOllg.g.I,ln 'IIlou. d,',ull bec.use you hsva r.lled 10 p.y promplly Inll.lhn.nl. of prlnclp.l.nd Inl"..t,.s ..qulred, ror a
parlod or .t lealt IIXlf (SO) d.y., The tot.1 .mollnl or Ihe delinquency I. $ 1 ~??. 71J . That lum Includ.s Ihe following:
01111 (1l1ll01ltlr \' II,W'II!.'III~llr 11';0,\1(1. hl(J (:n mlllll.lllv Ilinll1!'rrt~ of $41;',Inl, JlIIJ~ Jilll~
chnl''./es of ,t20. 7U,
Your mortgage'lallo In default for tile following '8alon:
(us.thl. p".g..ph only If appllc.bl.)
You m.y b. .lIg/bl.lo, Iln.ne/.,.../I/.llce 'h., will p..v.nllo"c/o,ulI on your morlg.ge II you comply with the provision. ollh.
Hom.own...' Em"gency Morlg.g. AIIls'.nc. Acl 0/1983 (Ihe "Acl"), You m.y boellglbl. lor .m.rgency lempor.ry .sslslanc.1f your
de'aull hili been caused by clrcumalftncos boyond your conlror. and If you moollho ollglblllly requirements of IhR Acl AS dolermlned by
the Pennlylvenlll Houllng Finance Agoncy. Ploftso tOlld all 01 thl, Nollce. " cOII".'", an ".pllllllllon 01 )'0", tlghls.
Under Ihe Act, )'ou ,,'e entitled '0 e lempo""y sIny of foreclosUlo on your mot'l1"ge fOl 1I,II'y(30) d.ys tlom IIIn d,,". 01 thl, Notice.
DUling 'h,,' lime you musl .""nge alld "flond" "f"Cllalo"lce" nleetlng wllh a leplesenlallve of 'his lendel. ()f will, 8 dellgu,,'ed
conlumer cledlt counsellng'l1ency. The PUlPOI8 of 'his mIlling I. to .ttempl to WOI" au'. I.p.ymen' plan, or to Olholw/se ..",. your
d.llnqu.ncy. Thl. m..'/ng mu,' occur IlIlh. n..,lhlr'y (30) d.y.,
If you .lIend a I.c....,o-I.c. m.etlng with Ihl.lend.r, or wllh e consumer credll couns.llng .geney Id.ntlfled In Ihl. notice, no lurlher
procoedlng.ln morlg.g. forlClosur. m.y t.ke pl.ce for thlrly (30) d.y. .1Ierthe d.l. 01 thl. meeting,
The n8mes, addl8l181 and telephone number of our representallves are:
lhomns ,I, FVnm"ll'.
CENTRAL PENNSYLVANIA SAVINGS ASSOCIATION
100 WEST INDEPENDENCE STREET. SIIAMOKIN, PA 17872
T.I.phon. Number. (7171844,0861
Th. n.m.Cs) .nd .ddres.(es) 01 (.) d.slgnaled conlum.r credU counl.llng .g.ncy(I") I. (er.):
VWr^ nr 1'",.11.1"
1Ut n ~ft'nl3l
1'"1'1101" PA nun ""1 ;'>~1_1"ln
Ills only n.c....ry to .ch.dule one lace.to-f.ce m.ellng, You .hould .dvls.lhlslend.rlmm.dl.t.ly 01 yourlntentlon..
If you have hied and 'no unable 10 resolvo Ihls plOblom 01 or afte. your IRCo.lo.facB rnoAllng. you have tho rlgl1llo Rpply for financial
aSlltlance 'rom the Homeowners' Emergency Mortgage Assistance Fund. In order to do thl., you must fill out. Ilgn "nd file a completed
Homeown.,,' Em.rg.ncy AIIlst.nce Application wllh one of Ih. d.slgnlt.d consumer credit couns.llng '9.ncles IIsled above, An
appllcallon for alllstance mey only be obtaIned from R consumer credll counseling egency. The consumer credit counseling Igency
wlll...I., you In IIIl1ng oul your.ppllcatlon and will .ubmll your compl.ted .ppUc.llon to Ihe Pennsylv.nl. Houslug Fln.nce Agency,
You, .ppllc.tlon mul/ b.lII.d or po.tm.,ked wI/hili Ihlrly (30) d.y. 01 YOU""c,'lo.l.e. m..,/ng,
" I. ,,/..m.'y Imporl.nl Ih., you III. your.ppl/c.tlon promptly. /I you do no/ do '0, or II you do nollol/ow Ihe other 11m. p.,lod. '"
lorlh In Ihl. I.tler, 10llc/Olur. m.y proc..d .g'ln,' your home 'mm.dl.,.,y .nd you wilt (orl.11 your .lIg/blllly lor ...I,'.nc.,
Av.lI.ble lunds lor .m.rgency morlgege ROslslance lie v.ry 11m lied, They will be dllbu..ed by Ih. Ag.ncy underlhe eUglbtllty
crllerl. eslRbUshed by Ih. Act.
"Is ,xlremely Imporlant 'h", youI .ppllclflon Is IIcc",." and compl,'e/n every respecl. lho Pennsylvania HousIng Finance Agency
h.s slxly (SO) day. 10 m.k.. decision .1Ierll rec.lv.s your appllc.llon, During thel.ddltlon.' time, no lo..clolure proc..dlngs will be
pur.u.d eg.lnst you If you h.ve met th.tlme requirements .etfollh .bove, You will b. notified directly by Ihal Ag.ncy 01 lis decision on
your .ppllc.tlon,
Th. P.nnsylv.nl. Housing Fln.nce Agency Islocaled .1: 2101 Norlh Fronl Streel, P,O, Box 6029, Hllrlsburg, PA 17105, Tel.phone
Numbll (717) 760-3800 or 1-800-342.2397 (toll fret number),
o Enclo..d .Iso I. 0 You h.ve .Ir.ady received iN In .ddltlon you will ..celv. .nolher 'notice Irom Ihls tond.r und.r Act 8 01
1974, Th.t notice I. c.lI.d. "Notice ollnt.ntlon 10 Foreclose", You must r..d both notice., since Ih.y both explain rlghlsth.1 you now
have under Pennaylvanla law. However, If you choose to exercise your rights desc.lbed In this nollce, we cannot foreclose upon you
during th.t time, Also, If you recelv. fln.nclal .s.lsl.nce Irom the P.nnsylv.nla Housing Fln.nce Agency, your homo c.nnol b.
foreclosed upon while you Ire receiving Ihetasslstance.
HEMA Rev.1 1188
Very truly yours,
\' ,/ \ i " ,I
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t:XHJBlr (/~fl,,,,,..~-;:r. r'";III~"II,I'':'''
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, IMPORTANT: NOTICE.. 1l0MEOWNERS' EMERGENCV MORTGAGE AS 'ANCE ACT OF 1983,
PLEASE READ THIS NOTICE, VOU MAV BE ELIGIBLE FOR FINANCIAL ASSISTANCE TO..I\RD VOUR MORTGAGE PAVMENTS,
RE: Accounl No, 1102(10(;51 0.10: 1/6/"4
9(12 Vnllpv Slrenl
Enula, I'^ 171J?r.-1r.41
Chhnndn Daj_$__,___,_.___
CENTRAL PENNSVLVANIA SAVINGS ASSOCIATION
TO:
FROM:
You, mo"Q.Q. I. In ..rlou. d.,.ull b.c.uI. you h...,.lled 10 p.y promplly Inll.llm.nll 01 prlnclpel.nd Inl.,,"I,.1 requlred,lor.
period 01 .11..11 11.ly (80) d.y., The 101.1 .mounl ollhe delinquency I. S 14" 70 , Th.1 .um Includel Ihe lollowlng:
On~ (11 mnnt.hly paYIIIPlI1 (lr Mr.o on two ('I n"lIIlhlv pa)llllnnl~ or Mn flO 111115 I~I,.
chara~s or $,n.70
Vour mortg.g.l. .110 In def.ull 'or Ihe lollowlng re.lon:
(uI.lhll p.r.gr.ph only lI.pplleebl.)
You m.y b. .lIg/bl. lor IIn.n.,.,...IIf.n.. ,h., will pre..nllo..c/o.uII on your mortg.ge II you comply wllh Ih. pro.lllon. of Ih.
Hom.own...' Em.rg.ncy Mortg.g. A.IIII.nc. Acl 0/1983 (Ih. "Acl.), Vou m.y be .lIglbl.,o, em.rg.ncy I.mpor.ry .111.I.nc.1I your
d.'.ull h.. be.n eeu..d by clrcumll.ncel beyond your conlrol, .nd II you mHllhe .lIglblllly requlrem.nl. ollh. Acl.1 del.nnln.d by
Ih. P.nn.yl..nl. Hauling Fln.nc. Ag.ncy, PI.... ".d.1I 01 'hi. Nollc., "conl,'n..n ..p/.n.llon 01 your ,/ghll,
Undlllh. Acl. you.re .nllff.d 10. '.mpor.ry ".y olloreclo.ure on your mo"g'Q.'or Ihl"y (3D) d,y,'rom Ih. d.,. ollhl. Nollc.,
Ou,'ng Ih., 11m. you mu,' .".nQ' .nd .1I.nd . "l,c"Io.l.c.. milling wllh . IIpre..n'.II.. 01 Ihl. I.nd". 0' wllh . du/gn.,.d
.on.um" clldll coun,,"ng.Q.ncy, Th. purpo.. olfhl. milling I. '0 .1I.mpl 10 work oul. "p.ym.nl pl.n, or '0 olh.lWl.. ..III. your
d.llnqu.n.y, Thl. milling mu,' occur In Ih. norl 'hlrly (30) d.y.,
II you .1I.nd .I.c...lo-I.c. milling wllh Ihl.l.ndll, or wllh. conlumll credll coun..llng .g.ney Id.nllll.d In Ihll nollc., no lurther
proceeding. In mortg.g,'oreclolur. m.y I.ke pl.c. 'or Ihlrty (30) d.y. .lIer Ihe d.le ollhll mHllng,
The names, nddresses nnd lelephono numbP.r 01 our 'DIlUtSOntAlIvss nfe:
ThollloS ,I, F.vafls .,11'.
CENTRAL PENNSYLVANIA SAVINGS ASSOCIATION
100 WEST INDEPENDENCE S1REET. SIIAMOKIN. PA 17872
Telephone Number. 17171644,0881
The n.m.(.) .nd .ddre..(..) 0' (.) d.llgn.led conlumer credll counl.llng egency(lel) I. (.re):
VU~^ or ~~rll~l"
':101 r. "'r,,"'
~~rll~ln PA 1701':1 (117\ 'd':l.':IR1R
Ill. only nee....ry 10 .ch.dul. one I.ce.lo.f.c. milling, Vou .hould .d.ll.lhlll.nder Immedl.I.ly 0' your Inlenllon.,
II you h...lrl.d .nd .r. un.bl.lo r.lol..lhll probl.m .1 or .1I.r your I.c...lo-I.c. milling, you h...lh. rlghllo .pply lor IIn.ncl.1
...III.nee 'rom Ih. Hom.own.... Em.rg.ncy Mortg.g. AIIIII.nee Fund, In ord.r 10 do Ihl., you mUll 111I oul. .Ign .nd III.. compl.l.d
Hom.own.... Em.rg.ncy A..III.nc. Appllc.llon wllh on. 0' Ih. d..lgn.l.d conlum.r credll coun..llng .g.ncl.. filled .bove, An
.ppllc.lIon for .llllllnc. m.y only b. obl.ln.d 110m. conlum.r cr.dll counl.llng .g.ney. Th. conlum.r credll coun..llng .g.ncy
wlll""111 you In IIIl1ng oul your .ppllc.lIon .nd will lubmll your compl.led .ppllc.lIon 10 th. P.nnlyl..nl. Houllng Fln.nc. Ag.ney.
You, .ppll..llon mUll be lII.d or po.,m.rk.d wllhln Ihlrty (30) d.y. 01 your./....'o.l.c. m..llng,
",. ..,rem.'y Impo,t.nl th., you III. your .ppllc.llon promplly. "you do not do '0,0'" you do nol lollow Ih. othllllm. ".rIO<l...,
lorth In thl. 1.1111. 10llclo.ur. m.y p,oc..d .Q.'n.' your ham. Imm.dl.,.,y .nd you will '0".11 your .lIglblllly lor ,,,','.nc.,
A..II.bl. lund. lor .m.rg.ncy mortg.g. ""III.nc. .r. ..ry IImll.d, Th.y will b. dllbu".d by Ih. Ag.n.y und.r Ih. .lIglblllly
crll.rl. ..I.blllhed by Ih. Act.
III. ..,rem'IY Import.nllh., you, .ppllc.llon I. .CC",.,. .nd compltl,'n .,,,y It.".ct, Th. P.nnlyl..nl. Hou.lng Fln.nc. Ag.ncy
ha. aloly (80) d.yalo m.k.. d.cl.lon .1I.r II r.c.I... your .ppllc.llon, During Ih.l.ddlllon.f 11m., no lolt.lo.ur. p,oceodlng. will be
purou.d .g.lnat you If you h... m.1 Ih. limo r.qulr.m.nl. ..llorth .bo.., Vou will be nollll.d dlr.clly by Ih.t Ag.ncy 0' II. deel.lon on
your .ppllc.llon,
Th. P.nn.yl..nl. Hou.lng Fln.nc. Ago"cy 1.loc.lod .1: 2101 Norlh Front SI...I, P,O, Bo. 8029, H.rrllburg, PA 17105, T.'.phon.
Number (717)780-3800 or 1-800-342.2397 (lolIlI.e number),
[] Enclol.d .1.0 I. [] Vou h... ."..dy r.c.I..d 1\ In .ddlllon you will r.c.I.. .nolher i1ollc. Irom thl. I.nd.r under Act 8 01
1974, Th.1 nollc.l. c.lI.d. .Nollc. ollnl.nllon 10 For.clo..., Vou mUlt ro.d bolh nollc... .Inc. th.y bolh upl.'n rlght.lh.t you now
h... under P.nn.yl..nl.,.w, How...r. If you choo..lo ...rcla. your ,Ighll d..crlbed In Ihll noli... w. c.nnot lorocfoa. upon you
during Ih.t 11m., AlIa, II vou ree.I.. IIn.ncl., .Ialll.nc. from Ih. P.nnlyl..nl. Houllng Fln.nc. Ag.ney, your home c.nnot be
foreclosed upon while you .re receivIng tha' IItllSlance.
EXHIBIT
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NOT/6r: OF INTENT/ON TO FORECLOSE MdtdGAGE
TO' Kartlc C. Oass
, -gUl valley -street
tnola, P^ l/U25"=15111
0.1001 Notlen I /r./n~
Loon No, lln;:O'IIi!il
If you do not cure the default within THIRTY (30) DAYS, Wll intend to exercise our right to accelerate the
mortgage payments. This means that whatever is owing on the original amount borrowed will be considered due
immediately and you may lose the chance to payoff the original mortgage in monthly Installments, I f full payment of
, the amount of default Is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a
lawsuit to foreclose your mortgaged property. If the mortgage is foreclosed your mortgaged property will be sold by
" the Sheriff to payoff the mortgage debt. I f we refer your case to our attorneys, but you cure the default before they
begin legal proceedings against you, you will stili have to pay the reasonable attorney's 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 attorney's fees will be added to whatever you owe us, which may also Include our
reasonable costs, If you cure the default wit"'n tI,e thirty day period, you will not be required to pay attorney's fees,
We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage,
If you have not cured the delault within the thirty day period and foreclosure proceedings have begun, you still
have the rigllt 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 amount of the unpaid montllly payments plus any late or other charges then due,
as well as the reasonable attorney's fees and costs connected with the foreclosure sale and perform any other require.
ments under the nlortgage. It is estimated that the earliest date that such a Sheriff's sale could be held would be
approximately 3/1/94 . A notice 01 the date of the Sheriff sale will be sent to you before the sale. Of course,
the amount needed to cure the delault will Increase the longer you walt, You may find out at any time exactly what
the required payment will be by calling us at the following number: (717)644.0661 . This payment must beln cash,
cashier's check, certified check or money order and made payable to us at the address stated above,
You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain
in it. I f you continue to live in the property after the Sheriff's sale, a lawsuit could be started to evict you.
You have additional rights to help 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 DE8T. YOU MAY HAVE THE RIGHT TO SELL OR
TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE 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 OTIIER REQUI RE.
MENTS UNDER THE MORTGAGE ARE SATISFIED, CONTACT US TO DETERMINE UNDER WHAT CIRCUM,
STANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY
THIRD PARTY ACTING ON YOUR BEIIALF. YOU IIAVE THE RIGHT TO ASSERT IN TilE FORECLOSURE
PROCEEDINGS THE NON,EXISTENCE OF A OEFAULT OR ANY OTHER DEFENSE YOU MAY IIAVE TO
ACCELERATION OR FORECLOSURE.
If vou cure the c1efm,lt. the mortg,1ge will he H!slored to the smile flosition ,1S if no default 11.1c1 occl/fIed, However,
you are not entitled to this righlto cllre your delault more than three times in any calendar year,
, , i J
Dvu, L..,::.,# ''..._',~'"
'''mnas J, F.vnllo,,1l','''11I1
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NOTICEOF INTENTION TO FORECLOSE MOJl-r'GAGE
TO: _Cbbanda-Dass
902 Valley StreeL___
Enola, P^ 17025-1541
Oat. 01 Nolie. _,1/6/94
Loan No. _ lID2001i51___
" Vall cllre the dp-falllt, tile l/lortg.1ge will be restored to tile smile positioll as if 110 defalllt IIad occllrred, However,
you are not entitled to this right to cure your default more than three tir',es in any calendar year.
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I\lOIlRlSO:-/ ANn SCIII.F.5INGEII
-
.
"
.
CENTRAL PENNSYLVANIA SAVINGS *
ASSOCIATION, F.A., *
Plaintiff *
*
*
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
NO. 1106 CIVIL 1994
vs.
Defendants
*
*
*
*
CIVIL ACTION - LAW
KARTIC DASS and
CHHANDA DASS,
PRAECIPE FOR mSCONTINUANCE
TO THE PROTHONOTARY:
Please discontinue the abovecaptioned matter.
Dated: March 30, 1994
~jJa..,.~
Guy W. Sc\i1csingcr, Esq.
Attorney for Plaintiff
,."_....~.O .,,~"_._
SHERIFF'S RETURN
COMMONI'iEAL '!'H 0:- PENNS'{LVAN:A In The Court of Common Pleas of
Cumberland County, Pennsylvania
COUN'!''{ OF CU~3ERLAND No. 1106 Civil Term 1994
Complaint in Civil Action Law
and Notice
Central Pennsylvania Savings
Association, F.A.
VS
Kartic Dass and Chhanda Dass
R. THOMAS KLINE. Sheriff, who being duly sworn according to
law. says, that he made diligent search and inquiry for the within
named defendant to wit: Kartic Dass and Chhanda Dass
but 'of/as unable
to loca te them
in his bailiwick. He therefore returns the
Complaint in Civil Law and Notice NOT FOUND, as to the within named
defendant, Kartic Dass and Chhanda Dass. Returned per instructions from
attorney Guy Schlesinger.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So answers:,_ ,
../ ,/ /.C/
/<::7 '---::/~ "~'/:::-~
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I '.%-'"''''''.... ~,G::.---?
R. THOMAS KLINE. Sheriff
18.00
9.52
4.00
31.52 Pd. by Atty.
3-31-94
Sworn and subscribed to before me
this ~ day of /4,h II (
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1II0IIIII'0:'i A:'in SCIII,F."N<:"'t
t"."-- '
CENTRAL PENNSYLVANIA SAVINGS ·
ASSOCIATION, FA, ·
Plaintiff ·
.
IN TIm COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
NO, /10 ~ ~ 191 Y
Defendants
.
.
.
.
.
CIVIL ACTION - LAW
vs.
KARTIC DASS and
CHHANDA DASS,
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 aOer this Complaint and
Notice are served by entering a written appeamnce personally, or by an 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 fuil to do so, the case may proceed without you, and ajudgment muy be
entered against you by the court without further notice for any money claimed in the Complaint,
or for any other claim or relief requested by the PlaintilT. You may lose money or property or
other rights important to you,
YOU SHOULD TAKE TillS PAPER TO YOUR LAWYER AT ONCE. IF YOU
DO NOT HAVE A LA WYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
OFFICE SET FORTH BELOW TO FIND OUT WIIERE YOU CAN GET LEGAL HELP.
Court Administrator
4th Floor, Cumberland County Courthouse
Carlisle, PA 17013
(717) 240-6200
TRUE COpy FROM RECORD
In TestimOny whereof, I hare unto sat my hand
!lnd 100 ~I 01 ~Id Court at Carlisle. PI.
This f ~ day ~/l1~;;';'_ 1: ~ '~
~tA';'''' . , ~~. $ T...
, Prothonoli.ry
CENTRAL PENNSYLVANIA SAVINGS +
ASSOCIATION, F.A., +
PlaintilT +
+
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
NO. I/o (, C(.~ /9 9 'I
vs.
+
+
+
+
+
CIVIL ACTION - LAW
KARTIC DASS and
CHHANDA DASS,
Defendants
COMPI.AINT
I. PlaintilT is CENTRAL PENNSYL VANIA SAVINGS ASSOCIATION,
F.A., 0 notional corporation with its principal office at 100 West Independence Street, Shamokin,
Northumberland County, Pennsylvania, and successor by merger to CENTRAL
PENNSYLVANIA SAVINGS ASSOCIATION.
2. Defendants ore KARTIC DASS and CIUIANDA DASS, his wife, adull
individuals wilh their lost known address at 902 Volley Street, Enola, Cumberland County,
Pennsylvania,
3. On October 10, 1975, Defendants executed and delivered unto PlaintilTa
Note in the face amount of $38,200,00, which Note is secured by a Mortgage executed the same
day and recorded on October 16, 1975, at Cumberland County Mortgage Book 596, Page 61.
True and correct copies of the Note and Mortgage are attached hereto and mode port hereof as
Exhibil "A".
4, PlaintilT assigned said Note and Mortgage unto Government National
Mortgage Association on November 3, ]975, which reassigned the Note and Mortgage unto
PlaintilTon March 10, 1976, as indicatcd on the Note allachcd hereto as ExhibitlA",
5. The premiscs subjcctto the Mortgage are more particularly described as
follows:
ALL that certain piece or parcel of land, situate in the Township of Enst
Pennsboro, County of Cumberland and State of Pennsylvania, more
particularly boundcd and described as follows, to wit:
BEGINNING at a point in the Suml\1erdale-WertzvilIe State Road, said
point bcing at a distance of sixty-two (62) feet measured in a westerly
direction from the westerly line of a proposcd fiOy (50) feet wide road;
thence in a southerly direction at right anglcs to said state road two
hundred (200) fectto a point; thence in a westerly direction along lands
now or late of John C. Roth, et ux. parallel with said state road one
hundred ( I 00) feet to a point; thence in a northerly direction along lands
now or late of John C, Roth, et ux, and at right angles to said state road
two hundred (200) feet to a point in said Summerdale-WertzvilIe State
Road; thence in an easterly direction along said state road one hundred
(100) feet to the point and place of BEGINNING.
HAVING thereon erected a single bi-Ievel brick and aluminum dwelling
with integral double car gamge, said premises being known and numbered
as 902 Valley Street.
BEING TIlE SAME premises which Albert Robert Straub and Barbam
Lou Straub, husband and wife, by deed recorded on October 16, 1975 at
Cumberland County Deed Book 26, Page 279, granted and conveyed unto
Kartic Dass and Chhanda Dass, husband and wife.
BEARING Tax Map No, 09-13-1000-007.
,.... ";!1\",t
6. The above menlioned Nole is in defaull because Ihe Insl paymenl made by
Defendanls 10 Plainliff wns on November I, 1993, which represenled Ihe paymenls due on
Augusl I, 1993, September I, 1993 and October I, 1993, and no paymenls have been made since
Ihal dale, and according 10 Ihe lerms of Ihe Nole, Ihe full principallhereof and all inleresl due
thereon is colleclible forthwilh,
7, In accordance wilh Ihe Homeowner's Emergency Mortgage Assislance Acl
of 1983, on January 10, 1994, a Notice was senl by firsl class mail 10 the Defendanls. True and
correel copies oflhe Nolice and a posl office receipt for each mailing are aUached herelo and
made a parI hereof as Exhibit "13", Despite Ihe passage of more Ihan Ihirty-five (35) days,
Plainliff received no requesl for a face-Io-face meeting, nor any nolice from a credit counseling
agency or the PIIF A.
8. In accordance with 41 1',8,403, Notice Of Intention To Foreclose was sent
to each Defendanl by certified mail al their last known address and at the mortgaged premises on
January 10. 1994, True and correcl copies of the Notice Of Inlenlion To Foreclose and Ihe relurn
receipls arc aUaehed hereto and made part hereof as Exhibil "e",
9. The following amounls ore due on Ihe Nole:
(0) Princi pol.", ,......", ,......." .....""...'... ,.....',..., ,... $26,449.64
(b)
Accrued Inlcrcsllo 2-7-94
(Interesl 01 0 per diem rale of$6,0614
sholl accrue afier 2-7-94)..............................
769.79
(c)
Allorney Colleclion Fee....,......,..........,....,..
1,500.00
(d)
Late Charges (Late charges afier
2-7-94 shall accrue al a monlhly
rate of$II.48..,..,........,....................,......,....
43.05
(e)
Fees Paid By Plainliff,....,................,....,....
28,80
$28,79 \.28
(I)
Minus: Escrow Balance..........................
TOTAL....,....,....,...,..,..
- 295.26
$28,496.02
WHEREFORE, I'lainti IT demands judgmenl againsllhe Defendanls in Ihe amounl
of$28,496.02 plus cosls of sui I plus inleresl of$6.0614 per day afier February 7, 1994 plus lale
charges of$II.48 per monlh from February 7,1994, said amounl being in excess oflhe
jurisdictional amounl requiring arbilration referral.
~S1'
Guy W. Se lesinger, ES~
Allorney No: 19257
Morrison & Schlesinger
545 North Second Slreel
Shamokin,l'A 17872
Allorney for I'lainlilT
tL"'"
f .:~ -'<.-..
VEIUFICATION
I verify that the statements made in this Complaint are true and correct. I
understand that false statements herein are made subject to the penalties of 18 Pa.C.S. 4904,
relating to unsworn falsification to authorities.
Dated:-MW 1,'4Ii.q.
~J~H^- ~j~--
Susan II, Morutelli
Collections Officer
Central Pennsylvania Savings Association, F,A.
'I. f
I,
"--
:NOTE
'.
..'
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..-'
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us $....,..,~.~,I,.~.9.,Q.~.!?~...."..".......,...,..,....,..,"""
..........,........,.............g~.;.'i!!!.~y.........,..,..,..,......,.......,..,' Penn.ylyania
Cil,Y
........................................................................,
October 10
19??....
FOR VALUE RECEIVED, .he unde..igned promise 'opny CENTRAL PENNSYLVANIA
SAVINGS ASSOCIATION ' or o,de" .he p,incip.l.um of
Thirty-Eight Thousand Two Hundred & 00/100 ($38,200.00) - - Dollars, wilh inle,esl
on Ihe unpnid p,incip.1 bnlnnce hom Ihe dnte of Ihi. Nole, IIntil pnid, atlhe rale 01 eight & one-fourth
pe,cent pc, annum. The p,incipal nlld illte,cst .hnll be payable at the Shamokin Office of Central
Penna. Savings Association , or .ud. olher place a. the holder he,eolmny de.ign.te in w,iling, in
con.eculiye monthly in.talhnent. 01 Two Hundred Eighty-Seven & 00/100 - - - - -
Dolla,. (US $ 287.00 ). on Ihe 1st day 01 each month beginning
November 1st 1975 ,lIntilthe cnthe indcbtedn... evidenced he,eby i. f~lIy paid, cltcept
thnt nny remnininR il1debtcllncful, U not ftOOlmr Imill, ftlmll be due RlIII pnyniJIe on the 1st
dny of October, 2005.
11 any monthly in.tnllmenl IInder Ihi. Nole i. not paid when dlle and ,emain. unpaid alter a dale .pecified by
a nolice .enl by ce,tified mail 10 Ihe unde,.illncd al the add,cs. .taled below, which dale .hall be not Ie.. than
thirty dnys from the dote such noitce is moiled, the entire principal Rmount otllatnndinR hereunder bnd accrued
inte,e.1 thereon shall al once become dlle and pnYllble allhe oplion ollhe holder he,eol. Failure 10 elte,ci.e .uch
option .hall nol con.titute n waiycr of the ,illht tn elterd.e such option il the undersigned i. in delault he,eunde"
In the eyenl 01 any delanll in the pn)'menl of thi. Note and II .lIil i. I"ollghl he,eon, Ihe holder hereol .hall be en-
tilled to collect in 8U.:11 procccdhlR nil rcnftonnhlc COftts nnc.l cxpenscs or suit, including, but not limited to. rCDsonable
"ttorncy's rCC8.
The unde..igned .hall pay 10 the holder 1.e1eol a late cha,ge 01 four (4) pe'cenl 01 any monthly
in.tallmentnol ,ecciyed by the holdcr he,eol witltin fifteen (15) day. aller the in.tnllmenl is due.
The unde..igned shall haye thc ,illhl to l"cl'ay Ihe p,incipal amollnl out.tanding in whole or in pall, p,oyided
that the holde, hereol m.y ,eqlli,e that any p",tial p,epayment. shall he made on the dnte monthly inslallment.
a'e dlle and .hall be in the amollnt 01 thai part 01 one or mo,e installment. which would be applicable 10 p,in-
dpal, Any partial p,epaymenl .11811 be applied again'l the p,illcipal amounl oUI.tanding and .hall nol elttend or
postpone the due dale 01 any .lIb.e'llIent monthly installmenl. or change the amounl 01 .uch inslallmenl., unless
the holdcr he,eol .hall olhe,wi.e ag,ee in wrilinll,
Presentment, notice of di!lhonor, nnd protest are hereby waived by nil makers, euretics, guarantora Bnd endorsers
he,eol, Thi. Nole .hall be the joinl and .eYClal obligation 01 all make,., .u,elie., gu.,anlo,. and endor.er., and
f1hntl be binding upon them and their heilft, penlonnl reprcflentntivr.ft, successors Rnd assigns.
The indebledne.s evidenced by tlti. Note i. .eellled hy a Mo,tgage, dnted 01 even dale he,ewilh, and rele,enee
is made the,elo lor ,ighl. a. to aeecle..tion of the indehledness evidenced by tltis Nole. '
..,<!.u;~~J~,t...,t9JJ.k.4.l"...,.., ",."..,..
902 v~lley Street
Summerda1e, (Cumberland Co.), Pa.
......................................................................... ............
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l/WE HEnEBY ACKNOWLEDGE HECEIPT OF A
COPY 01' TilE MOI1TGAtl~~ AND NO'l'I~ 011 nOND
AND \VAIUlMrr WIIICII I/WIi: l~l{fo:CU'l'f:D IN
ORDEn '1'0 CLOSE 'I'lIIS '1'ItANSAC'l'ION.
J~ ", ~(',..
---- ~J/~~\{---~-------
'c/'l,,'>V1a JJ/~-
PAY TO THE ORDER OF GOVERNMENT NATIONAL
MORTGAGE ASSOCIATION WITIlOUT RECOURSE TIllS
3RD DAY OF NOVEMBER 1975
CENTRAL PENNSYLVANIA SAVINGS ASSOCIATION
",..",' - ",'
.' "dr::, L?<'(<",{.I'".
Wllllllm MclllughllnOVlce-Presldent
J'AY TO TRE ORDER OP
CENTRAL PENNSYLVANIA SAVINGS ASSOCIATION
WITHOUT RECOURSE
SGmlUlW IAIIOIl.\lloalWI AllDCl.41101
IIIAR 1 0 1976
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IIJ.L thnt certain piece or pnrcel of lend, B1tunte in the Township of Eest
rennsboro, COllnty of Cumberland nml State of rnnllnylvania, morer particularly
bounded and deRcrlbed as CollowR, to wit I
DllllINllIlIG at a poInt In the llullllnerdale-Wert7.vllle state nond, Rnld point
being nt n dlntQllc~ or nlxty-I:wo ((,2) feot:. mear11ltt!d 111 n wnnt~rl)' direct-lOll
frum t.he wnnt:~rly !lilt:" or n proponell (J (ty (50) [('f"tt wide roncl, lhrncp. in
a Routherl)' direction nt right ongll'R to snld ntole road two hundrod (2001
Cl'et to a polntl thence In n westrrly direction along lands now or lote of
John C. noth, ct UK, pnrnllr..1 with snid etnt(' rand one humlr~f1 (JOD) fnrt
to n pointl thence in a norl:herly cllrt!ctlon alollg lands now or tnte of
.10hn C. Roth, t!t ux, nnd I1t right angles to nnfc.l state road two hUlldred
1200) fel't to n poillt III .old Summp.rdnle-Wl'rt7.vllle State lIoodl thellcl'
III 011 enstl'rly dlrectloll nlollg Rnid state rond olle hundred (l00) feot
to tho polllt alld plnCl' oC DlltlJlIIlllIG.
III1VllHl thoreoll erected n .llIgle hi-level hrlck nlld nluminum dWl'1l11lg with
integral double CRr gnroqo, Anld premisoR being kllown nnd numbored liB
902 Valley Street.
DEllIG the some premises which Albert nobort Stra\lb and Barbaro Lou Straub,
his wHe, conveyed unto r.nrtlc UO.S and Chhondn UOSR, hb wHe, Hortgogors
herdn, by deed Intended to he rl'cordod simultnneously herewith, IILSO
being the some premises which Chos. ^dler , Son, Inc" a rennsylvanie
Corporntion, by it. del'd dnted June 10, 1974, and which deed b recorded
In the Office of the Recorder of Uccdg in and for Cumberland County,drClIl1sylvnnia, in Ueed [look "U", Volume 25, rngt! B09, granted Bnd conveyed
unto Albert Itobert Strnuh nncl [lnrborn f.ou St.rRuh, his wife.
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Cumborlond
/lnrr.h 10, 1975
/ltg. 50r.
901
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902 Volley street,
Summerdole, (Cumberlond Co,), Penna,
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tlte uml"",iell",1 n"'I''''. I'f'tllnllllll, IIlt(1p.It'f!tl
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J<artic DBBS , Chhallda
Comlnon..,.....I, D. I'l'nll,,)-IWlInh,.
o. 11,10, II,. III t h
lIotary PUblic,
his wife,
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IN WIlNr:..C;S WIIEUEOr. 11,p.leunlo 1I~1 my l,nUlI line' nRldnl left!.
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Ih"lI..1 I". Itll',"lllIltlt. ~11I,,"1O'~ '.. I.,,': ;01,,1 1.11 11"11"" "1 hll;., "" h 11.11"11 t'l~ I..wh', 11I11,- "'II"""'IIlI}' "'IIIIt.: (., "ro;lU" Ihllt lilt'
llotl..r 11.1, "1"IIr.llr.... 1".".10-,'" 1,,10,,-1 h. 110.' I""I"-"~' tluolll"""l\'r"" ,.11111:111,,11 I.. 1"1' 'hr .1II11" ~...t'II"'11 I., 11.1.. "1..,I,'al~"
.h:.t1..".lh......,lllhlllnll..'1 t'I"'1I '11111 I....t.... III :"..1.11'" to, 11"1110"1'1,11.1" "''''''''tf!I' "11I1 '"' ..1.1I1'!:'III,,"~ ...III1.t III'II.ln :hall ".
,..:.111111 fnlll..I'" ,,,..1,,111,,1 u' 1111'.\....1. ."11..,, 1"..1,,,111I,,.1
2n. ,\..Itlllllrll' ,,' ",,"f'I.\I'I",hllll"'IIIII' Ih'If'I".: '.rllllrr ht l'tln"..",,,II, ^. nllllltl"t1ltlllr.cu,II\'llrINtlul"I.I1'"lt'\\(.. It..,,,,,,
1I~..1r.1l. It. 1"'11.1., IlIl' 't'lIl~ ,'" Iltr "'''I.'hol'III",.I,,1 fll:\1 1I"""\yf't I"hrtll, 1,,1'1' '" "1fr1"'nll"t1ll1lOl"'.I"IIII~IIII.h ,ft hrll'''' '"
IIIUltll",,"..-..1 '" II... 1''''1'''11.. hlO\'l' lilt' 'lotl.1 ".,.tI,'II 1I11.11I.1:.III.urh trill, lI'1I1,f'" ""HIlI'f' .1111' "1..II'I",n"'.'.
1'1"'" IIl'1' ",,"111," 1Ill,In 1",'III!'lIl'h In I" 1..,,1 ,,' ,.I'"I1''''IUII,.,1 ..r lllf' l'II'I"'II~'- 1.1'!lIIr!. In 1""11"'11I, It)' "",1'nl 1.1 "r J".III;1I\II)
111'1".11111.1 II I' h"", .hlllll,,' ,.,,1111...1 I.. ",.!t'1 1I1".n. lro)c.' 1",,~,,~'I"n '1' nll.1 m:Olll'lrf' II..: "'"1,,:.1, fIt..1 I" ,'ult.., I II... 1':111'1 "I fl..,
l'II'I_"h Im:II,.IIII'! Ih".r 1"1'1 ",," ^1I1t.,,1~ ,..It..l..1 1.1 IA,tI.I.,..1 tI... ",,,,'h"1 .h:'lll hr 1I1'111h-.llh.t 1111'11.'"1"1111" UIl! I..~I'I'I'
'011'11.'1"1111'111 .., lit" 1'111'''''' I, nllll 1,.11...11"'1 ..I '1,1'. III' hull 11ft, 11111 1t,,1 Ih"II.,.1 I... 1"11'1\'1:'" rN.~. \"1'1"111111' II" I' ,.h,.t'lI I"II"I~
:",III'I'I"'lIul<l,. nU".url-'" kr'. "".111,,"1,,11... .1"". ...1111..11" 1111. MlI,Ir.:or." ,,,.,,,Irt 111111 th,. II"'" ""1 ,hnll ,,,. IbM,. I.. Utl""ml
"10" ".. 111""1' Irlll.. nrilllln.,. 11',...."'..1
21. lultlll' ,\'''"11I'''. 111",1111'111..,11.111""",\1'1. r,,!,"lr,. nll.("llIlo'!! "1111,"'. l'llnt III ,,.I,.tlrl' 'If 1111.. .....IIr.nr~. mn)' Iltlltl"
'ntnt.. ^.hnnn"'n n.lttl'\\r.I. ~llth t'"lu'" ^,IVII'"I''I. with 1t11"lr.1 IltrrCIIII. '\111111 I... ,rtl..,:.1 b)' till. ",",Ir.:or.' \\'110:11 r.,'hltlllrd II'
III"I'lh!,.n 11"'("'1 ,'"l1l1t! Ihol ."hlllO.tt. AU' ""'-1111'.1 hr,rl.". At 'I" 1I",f' !hnllllt('llIhlrll':JllIlll"UIII fir lltl' Ilt.lt.hlnhtt.,.. R'f'lIIflllw
Ihlll "'ltlli:tt... II"t 11l1'11I;llne .lItll. nth'lIll1...t III nr"Il,.burr hrtrwlth 'n 111..lt-rt Ih(' ...rltlll,. nl tllI'\ "IoutJ!lIlr. ('.nonl IIII' nth:lIl:il
AllIlllllIl..' IlIr Nntr,
2:1. 1'1l',II~'1' "'''Ill'' fllrt,II:lI.. If 1111..1 ,'ntl "' II.,. .1111I'1 "'11111'11",. 1111, "',.'II!II!!r ",(' 11'111 fn I1Il1'n"'r' In IIr'IUht:' IItlt' ,..
II.., 1''''1".,1.\. Ihl". Mu,lrllr." I' I.. II'I.~ .1,..11111.1 I" I... II 1'"I1I.A"- ':nu"",rl'r~1i1rf~I""lIIa
. "tlllty 0' Cuttll,,,II.,nrl ~ S5
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!UIM,lny.UI. "rrUlo;H.VMIl^ '707'-
IMPORTANr: NOTICE I, ,IOMEOWNERS' EMERGENCY MORTGAGE A5E INeE ACT OF 19113,
PLEASE READ T1i15 NOTICE, YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE TOWltllD YOUR MORTGAGE PAYMENTS.
RE: Accounl No, 11 !I,lIO!;!i 1 0.1.: l/G/"~
902 Villi!'!' ::1 I l")I,
Fuulll, I'^ lilJ2~.lr,,11
KnrUc C, IIIIS5
CENTRAL PENNSYLVANIA SAVINGS ASSOCIAlION
10:
FROM:
Your morltl,pl I. In ..t/ou, d,'.ull becRuso you hftV8 ,..lied to PAY "rornplly In",..llIollol. o' principII Bnd h1l8'8111, "I required, for a
p..lod 01 .,1...1 11.,y (SO) d.y., 1h. 'Din I .11I011111 ollh. d.llnqll.llcy 11$ ...1 1??.,l!L_ , 1h.' .urn Incllld.. 'h. lollowlng:
J.!ll" (1) 1II\lll111l.LlliL\'jJ\'J!I.~;11LJ.'lrl\tJI!I.,_ltIlL{ju...m\JIl1.hI.Y_J!!lYJ!II'l11.5 Or 1,o1,l!:,(.'~'...._LoIlJ~ ,I ill I'
_,;hnp,m501-'tZn.,lJ.L.__.,.,_.._''_..
Your mOllgllgel1 also In de'ftull for Iho following "".son:
(II'. Ihl. p...gr.ph Dilly lI.ppllc.bl.1
You may b. eligible for "mlnelll' IIlJs/slttneR II"" will pro VII"' lOl"clo,,,,,, on your mortgnge II you comply with tho provisions a. thn
Homeownrus' Emergnncy MOllgllgo Asslstnncn ^cl of 1983 (tho "Ac'''). You mny bo nllglblo lor emorgnncv Inn1f)O,nry lI!I!Ihltnncn II your
dohnlll 'UIS boon CIlIU.nd by cheuftllllnncnlt hovol1l1 vour eOl1lfol, nl1rt II you monllhn ollglblllly rnqulrnmnnllt 01 Ihn ^cl If!ll rlnln'mlnod by
Iho Pennllylvnnln I 'oUlIll1g FlnAnen ^gnnr.y. l'/nn", 'nnd nil 0111"5 Nollco. " cmU""'s "" "."I"lIttl/oll 01)'0111 1111/1'!.
Undnr IIut Acl, )'011 ",ft flnlll/lld'o II/nm,JU'Rt)' sIny 01 Imor:losUlo Oil YOIII IIfm'gngn lot fI""y(30ldny' I,om rim "n'" 01 "," Nor/cn.
During ""., IIm8 )'OU ",usl 1I"8I1g" alld ,,"onri It "'ltc,Ho.'"co" nUlnf/llp ~1tI, ,. ro",oson/lff/vn 01 fillS 'n"dn" m will, n rl,ulgm,/nd
consumer clldlr coullsellng IIpe"ey. TI'8 plllpose 01 fills ",,,ellng Is'o ""."'pl 10 wOIII ouI" ,epllym,n' plltll, or 10 otlrnrwlsft ..",. your
d,lInqu,ncy, 1h'. m..llng mu,' occu, 'n 1/.. n,.' Ihl"y (3D) doy.,
If you attend I face--Io "Ice meeUng willi this londor. or wllh I consumor cn.dll counseling Rgency IdenUfled In Ihls nollce. no further
proc..dlng.ln mO'lg.g. for.clo.ur. moy I.k. pl.co 10' Ihlrly (3D) d.y. olio, Ih. d.,o ollhl. m..Ung,
1ho nllmos, nddressos nnd tetephono l1umOO, of our rpprollnnlnllv8s nle:
1 "omns ,I. FVo1ll~, ,II',
CENTRAL PENNSYlVANIA SAVINGS ASSOCIATION
100 WEST INDEPENDENCE Sl"EET, SIIAMOKIN, PA 17812
T.I.phon. Numb.r: {7171844,0881
Th. n.mo{I' .nd .ddr...(.., 01 (., d..lgn.l.d con.um.. clodll coun.ollng .g.ncy{l.o)II (...,:
YWrA Ilf ,',,,'1 hi..
111 I n r:t 1'0'31
1',..,11 ~ I" PA l'illll -.UJLL2!L1::.31ll1l
11111 only necessl!Iry to schedulo one tRco.lo.fAce monllng. You should f1dvlso this londer Immedllltely of your InleoUol1s.
If you hRVO hIed find 'uo UIIRbln 10 resolve this prnhlofl1 nl Of nfler your rnco-to.fncn montlng, YOII heyo tho rlghl 10 npply for IInnncl..1
lIul.lence from Ihe Homoownets' Etnorgnncy Morlgngn ^sslslnnc& Fund. In order 10 do IIl1s. you muslUII oul. sign nnd lito ft completed
Homeowne,s' Emfugency ^sslslnnco AppliCAtion with on8 01 the doslgnflled consumer credit counsollng ngol1clesllstnd abovlI. An
nppl1cnUon fur IIl1slslAnce mAY only bo oblnlnnd from" consun10r c,odll counsollng ngoney. The consumer c.odll counsoll"" Rgoncy
wlllllssJsl you In filling oul your nppllcAtlon Rnd will Sllhmll your complotod nppllcIIUon 10 tho Pennsylvenln I 'oulllng FinAnce ^gency.
You, oppllcollon mu.' b. lII,d 0' po"",.,~od wllll'nlll/"y (3D) d.y. 01 you"I.co,'o.I"o moo ling,
" I. "',o,,,oly Impo,'onl Ihol YOII 1110 you, oppllcollon p,o",plly. "you do nor do '0, 0'" you do nol lollow "'0 orho, ""'. pOtlod. ..,
lo"h In Ihl. ,,,to,, lOlOclo.ulO moy p,oc.,d ogo'n.' you, hom.'mm,d,.",y .nd you will 10'('" you, ,lIglblllly 10' .,,',',nc.,
Av.llobl. lund. fo, .m.rg.ncy morlg.g. ...I.'.nco ... v..y Illnllod, They will b. dl.burs.d by Ih. Ag.ncy undOt Ih. .lIglblllly
crll..I. ..t.bll.h.d by Ih. Act
"/s ,""me/y Impo"lInl II,,,, your IIppUclIl/on/s Rccl/'lI1e find complefe In "ve,y rssplJc/. 1 ho ronnsylvnJlln I tou~ll1g F1nnnce Agoncy
hilS shdy (60) dRY' to mllke a decision nfler II rneelv"1 your nppllcallon. During IhAI RddlllonAI Urn., no forBclosUte proceedings will be
pu"u.d .goln.1 you II you h.v. m.1 Ih.llm. r.qulr.m.nl. ,.'Ior'h .bov., You will b. noUlled dlr.clly by Ihal Ag.ncy 0111. d.cl,lon on
you, .ppllc.llon,
Th. P.nn.ylv.nlo "ou'lng Fln.nc. Ayoncy 1.lor.olod.1: 2101 No,'h F,onl 5Ir.ol. P,O, Box 8029, "."Ioburg, PA 17105, T.I.phon.
Numb.' (111)180.3800 Dr 1.800.342.2397 (Iolllro. numb.'I,
o Enclo..d .'.0 I. 0 YOII h.v. .Ir..dy r.c.l.od Ulln .ddlUon you wlll..c.lv. .nolh., hollc. from 1111. IOlldo. undo. Act 8 01
1914, Thot nollc.l. c.lI.d. "Nollc. 01 Inl.nllon 10 For.clo...., You mu.t ,..d bolh nollc.., 'Inc.'h.y bolh ..pl.ln rlghl.lh.1 you now
have under Penn.ylvAnlR law. However. II you ChOO!lB 10 Bxerclse your rlghls described In Ihls noUce, we cennol foreclo!! upon you
during Ih.t 11m., AI.o, II you ..c.I.. IIn.ncl.' ...Io'.nc. from Ih. p.nn.yl.onl. Hou.lng Flnonc. Ag.ncy, you. hom. c.nnol b.
foreclosed upon while you ,ue receiving thRIII!lslslnnce.
UEM^ """ t 1188
Very ItUlV YOllllI.
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IMPORTANT: NOTICE" ' 1I0MEOWNERS' EMERGENCV MORTGAGE AS 'ANCE ACT OF 19113,
PLEASE READ TillS NOTICE, yoU MAV DE ELIGIDLE FOR FINANCIAL ASSISTANCE TO"ARD YOUR MORTGAGE PAYMENTS,
RE: Account No, II 07.(lU65 I 0.1.: 1I(j/U~
907. V~ll('v SLre(>[
[nuln. I'^ IJlJ?5-1!i41
TO: _g!!lnn!-ljL!b1~_L__._.-
FROM: CENTr1AL PENNSYlVANIA SAVINGS ASSOCIATION
You, mo,'g.g." In .orlou. d.,.u" boc.u.o vou h.v.,.Hod 10 P.V prompllv In.I.llmonl. 01 prlnclp.l.nd Inleroll,.s ,oqulrod, 10"
porlod 01 .110.11 .I.IV (601 d.V" Th. 101.1 .mounl 01 tho dollnquoncv I. $ ,...14;>;> 70 . Th.l.um Includos Iho lollowlng:
Jill" III IlIlllllhly pnYIll~1l1 III :!.4r.1I nil t\ill 1;>ll1llllllhlv pnVlIlnllt~ III MJ:I 1111 111115 I~l,.
chnrUl!5 III $?1I.71l.
Your morlg.g. Is .Iso In dof.ull for Iho lollowlng rooson:
lu..lhls por.gr.ph onlV ".ppllc.blo)
You m.y b. .lIglbl. '0' 1I".ncl., .1I/.,."co Ih., wl/l prev.nl 'oreclo.ure on VOU, morlg.go" you comply wllh Ih. provlllonl 01 Ih.
Homoowner.' Emerg.ncv Morlg.go Asslsl.nco Act 011983 (Ih. "Acl"), You m.y be ollglblo 10' omerg.ncv lompo,orv ...lsl.nc.1I VOU,
d.l.ull h.s boon c.ulod bV clrcumsl.ncos bovond vour conhol, .nd II VOU mo.llh. ollglbllllV ,equlr.monls 01 Ih. Acl.s d'l.rmln.d bV
Iho Ponnsvlv.nl. Houllng Fln.nco AgoncV, Pl.... re.d .11 0' Ihl. Nollc., " conl.ln..n ..pl.n.l/on 0' you, "ghl.,
Under the Acl, you '118 enllf'od 10" 'emporo,y slfty 01 lOfffClosllftJ on your mo"gllg8 tor thl"y (30J days t,om fllf' dill" of this Notice.
Du,'ng Ih.I 11m. VOU lIIu.' ."."g. ."d .1I0"d . "1.c..lo.l.c," m.."ng wllh . rep,os.nl.II.. 0' Ihl. I.ndor, 0' w/l/r . dOl/gn.,.d
con.umerclld" coun..llng .g.ncy, Till purpo.. 0' Ihl. m..llng/l 10 .".mpllo wo,k oul. rep.ym.nl pl.n, 0"0 olhorwl.. ..",. you,
d.llnqu.ncy, Thll m..lI"g mu,' occu, In Ih. norl,hl"y (30) d.y.,
"vou .1I.nd. f.co.tol.c. moollng wllh Ihlslondor, 0' wllh. consumo, crodll counsollng .g.ncv Id.nllfl.d In Ihls nollc., no lu,ther
proc..dlngsln morlg.g. 10lOClosulo mov I.ko pl.co fo, Ihlrly (30) d'VI oflo, Iho d.lo of Ihls moollng,
Tho nnmos, ndd.ossns And lolnphonn ""mht'f of 011I rrruesonlnllvos nlo:
1I111111n5 ,f. F,V~115"h',
CENTr1Al PENNSYlVANIA SAVINGS ASSOCIATION
100 WEST INDEPENDENCE SlnF.F.T, SIlAMOKIN, PA 17872
T.lophon.Numb.r: 17171644,0001
Th. n.m'lll.nd .ddlO..(.I) 011') do.lgn.lod consumor credll counlollng .g.ncv(los) II (.10):
VW~A or ~nrll~lp
~nl r. <;trN.t
~"rll~l" "A 1'101':\ (117) ?d':\_':\nlR
It II only n.c....ry 10 Ichodulo on. Ilc..lo.I.co moollng, Vou .hould .dvllo thl. I.nd.' Imm.dl.t.ly 01 VOU, Int.nllon.,
"vou h.vo trl.d .nd .ro un.blo to ,ololvolhll problom.1 0' .flo,vou, I.c..to.f.c. m.ollng, you h.v.lh. ,Ight to .ppty 10' IIn.ncl.1
,,"III.nc. I,om Ih. Hom.ownor.' Emorgoncv Mo,lg.go A..I.I.nco Fund, In ordo' 10 do Ihll, you mUll 1111 out, Ilgn .nd 11I1 I complll.d
Homoownerl' Emorgoncy Anlll.nco Appllc.llon with ono ollh. d.slgnllod conlumo, crodlt coun..llng .goncl.. 1I11.d .bove, An
appllcallon 'or Bssl"lInce mav only be obllllnBd from II conflumer credit counseling Iganey. The conIum,' credit counseling agency
will .1.111 VOU In IIIlIng out VOU, .ppllc.llon .nd wllllubmll you, complolod oppllc.llon to Ih. P.nnlv'v.nl. Houllng Fln.nc. Ag.ncv,
You, .ppllc.llon mu,' b. III.d 0' po"m..~.d wllhl" ,hl"y (30) d.y. 01 you"I.c..IO"'C' m..llng,
",. ..,,.m.ly Impo,'.nl 'hI' you III. you, .ppllc.llon prompllY, "you do nol do '0, 0' If you do nol 'ollow tho olher 11m. po,/od. ..,
lo,'h In Ihl.l.ller, loreclo.u,. m.y p,oc..d .g,'n.' you, hom,'mm.dl.,.,y .nd you will 10,1.11 you, .IIglblll'y 10' .nl".nc.,
Av.lI.blo lundl 10' omergoncy morlg.go .Sllsl.nco .,. verv IImll.d, ThlV will bo dllbuII.d bV Iho Ag.ncy under Ih. .lIglbllllV
crltorla ..I.blllh.d bV Iho Acl.
",. ..,remely 'mporlan' fha' your IfppllC,tf/OIl/J ftCCllfll'ellnd comple'e/n every respect. The PennsylvanIa Housing Finance Agency
h.1 .I.IV (601 d'VI to m.ko 0 doclslon .fto, II rocolvos VOIII .ppllc.llon, During Ih.1 .ddlllon.1 tlms, no lor.clolu,o procoodlngl will b.
pUlluod .g.lnsl voull vou h.vo 1II011hollm. roqulro..onll lot lorlh .bovo, You will bo nollflod dlroclly bV Ih.1 Agoncv 01 Itl d.clllon on
you, .ppllc.llon,
Tho ponnsvlv.nl. Housing Fln.nco AgoncV Isloc.lod .1: 2101 Norlh Front Strool, P,O, Dox 8029, H."lsburg, PA 17105, TII.phon.
Number 1717) 780.3800 or 1.800.342.2397 (Iolllroo numborl,
C Enclo..d .1.0 II 0 Vou h.v. .lro.dV rocolv.d 1\ In .ddlllon VOU will rocolvo .nolher hollc. Irom 11111 londer undo, Acl 8 01
1974, Th.t nollcol. c.lI.d. "Nollco 01 Inlonllon to For.clo...., You mu.lro.d bolh nollco., Ilnc.lhlV bolh exp'.ln rlghlllh.tyou now
h.v. under P.nnlvlv.nl. ,.w, Howlver, ft you choo..lo o.orcllo vour ,Ighll dOlc,lb.d In Ihll nollco, WI c.nnot 101lclo.. upon you
during Ih.t 11m., Also, It you roc.lv. tln.ncl.' ...III.nc. Irom Ih. P.nnlvlv.nl. Houllng Fln.nco Ag.ncv, your homo c.nnol b.
foreclosed upon while you lue recolYlng Ihat n!l,lslnnce.
HEMA ntv. t tlfll!!
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Non6r: OF INTENTION TO FORECLOSE Mdt, I'GAGE
------ ..-.-.--,-.... - ----.-.-..---------------.- ------------
TO' Kllrtlc C. (Joss
, -90Z-Viilley .Sti'iii![----
-Enuln:--p~025=1r.~1~=-__
Uaf. 01 Nullo. I /r,/n~
Loan No.
11/l,lIl1r,!il
II you do not cUle the delault within TI-I I RTY (30) DAYS, IWI imend to exercise our rigllt to accelerate tile
mortgage payments. This means that whatevel Is owing on the original amount borrowed will be considered due
immediately and you may lose the chance to pay oflthe original mortgage In monthly installments, II lull payment 01
, the amount 01 delaultls not made within THIRTY (30) DAYS, we also inlend 10 illstruct our at/orneys 10 start a
lawsuit to loreclose your //Jorlgaged properly. " tile //Jorlgage is loreclosed your mortgaged properly will be sold by
I tile SIIerlff to pay off the mortg.1ge rlebt, II we reler your case to our allorneys, but you cure the delalllt belore they
begin legal proceedings against you, YOII will sIll I have to pay the reasonable allorney's lees, actually Incurred, up to
$50,00, However, if legal proceedings are slarted against you, you will have 10 pay the reasonable allorney's lees even
if they are over $50,00, Any allO/ney's Ices will he added to whatever you owe us, which l11ay also Include our
reasonahle costs, "YOII cure Ihe delaull witllin Ihe thirty day period, you will nol be required to pay at/arney's lees,
We may also sue you personally lor Ihe unpaid principal balance and all olher sums due under the 1110rlgage.
II you have not cured the delault within the thirlY day period and loreclosure proceedings have begun, you slill
/lave the rigllt to cllre the delault a//(/ plevem tile sale at allY time lip to one IIour belore tile Slleriff's lorec/osure sale.
You may do so by paying tile totala//Joullt 01 tile unpaid //Jonlllly payments p/IIS any late or oIlier cllarges tl,en due,
as well as tile reasonable attorney's lees alld cosls cOllnecled witll tile loreclosure sale and perlaI'm allY oIlier require.
mellts ullder tile nlortgage. It Is estimated that the earliest date tllat such a Sherill's sale could be held would be
apllloxirnately 3/1 /9~ . A notice 01 the date 01 the Sherlll sale will be sent to you belore the sale, 01 course,
the amount needed to Cllre the delault will Increase the longer you walt. You may IInd out at any time exactly what
the required payment will be by calling liS 01 the lollowing number: 17171644.0661 . This payment I11USt beln cash,
cashier's check, certilled check or 1110ney order and made payable to us at the address stated above,
You should realize that a She rill's sale will end your ownership 01 the mortgaged property and your right to remain
in it. I I you continue to live in the property alter the Sherlll's sale, a lawsuit could be started to evict you,
You have additional rights to help protect your Interest In the property. YOU HAVE THE RIGIH 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, YOU MAY HAVE THE RIGHT TO SELL OR
TRANSFER THE PROPERTY SUBJECT 10 TIlE MORTGAGE TO A BUYER OR lRANSI'EREE WHO WILL
ASSUME TilE MORTGAGE DEBT, PROVIDED TIIAT ALL TIlE OUTSTANDING PAYMENTS, CIIARGES AND
ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT TilE SALE, AND THAT TilE OTIIER REQUIRE,
MENTS UNDER TIlE MORTGAGE ARE SATISFIED, CONTACT US TO DETERMINE UNDER WIIAT CIRCUM,
STANCES TillS RIGIIT MIGIIT EXIST. YOU IIAVE TIlE RIGIIT TO HAVE THIS DEFAULT CURED BY ANY
TIIIRD PARTY ACTING ON YOUR BEliALI', YOU IIAVE TilE RIGHT TO ASSERT IN TilE FORECLOSURE
PROCEEDINGS TIlE NONEXISTENCE or A UEF^ULl OR ANY OlllER DEFENSE YUU M^Y HAVE "10
^CCELERATION OR FORECLOSURE,
" VOII CIIre lire delalllt. lire l/Jo,1901fW Ivill 1m leslmed III lire ,~m"e posili,," ,1,~ il n" delallll IImf O""'III!!lf, Ilowl'vP.t.
you are nnt elltltled 10 Ihis right to elllu you, dulmlltlllOle Ihnn thleu times III nny cnlemlnl yr.nJ,
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XJ-lI~/T C IJv'/..".:":.'.."
JllllfnasJ, [vnll~ .,1, :",1111
, "
NOTlCE'OF INTENTioN TO FORECLOSE MO/1'7TIAGE
TO: _ChlJaOlJa_Dass
-2-Q.? Va Il!1LS1clle t_ _ __ __ __'____
Enol a ,P^ 17025-154L._____,
0.'.01 Nollen _ t /6/94
LORn No. _ 11 U200(j5 t____
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you ate nol enlitled 10 this ri!Ihlto <:lire your default more thanlhree times in any calendar year,
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MOIlRlsns ANIl SUII,ESI:'<f;(:Jl
.
CENTRAL pENNSYL VANIA SAVINGS +
ASSOCIATION, F.A., +
Plaintiff +
+
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, pA
NO. I/()/; &i;.;J /9?Y
vs,
+
+
+
+
+
CIVIL ACTION - LAW
KARTIC DASS ami
CHHANDA DASS,
Defendants
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 afier this Complaint and
Notice are served by entering a written appearance personally, or by an 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 case may proceed without you, and a judgment may be
entered against you by the court without further notice for any money claimed in the Complaint,
or for any other claim or reliefrcquested by the PlaintifT, You may lose money or property or
other rights important to you,
YOU SIIOULD TAKE TillS PAPER TO YOUR LAWYER AT ONCE. IF YOU
DO NOT IIA VE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
OFFICE SET FORTI I BELOW TO FIND OUT WIIERE YOU CAN GET LEGAL HELP.
Court Administrator
4th Floor, Cumberland County Courthouse
Carlisle,PA 17013
(717) 240-6200
TRUE COpy FROM RECORD
In Testlmony whereof, I here unto set my hand
1Ind the seal 01 said Court at Cartlsle, PI,
ThIs rC!::', day o!7ltJ .~L-. 1~;'I
c;:r,. - c ~ (h~ "f
PI othonoliry
CENTRAL PENNSYLVANIA SAVINGS ·
ASSOCIATION, FA, ·
PlaintifT ·
.
IN TIlE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
NO, I/ot. &;u /99'1
vs.
.
.
.
.
.
CIVIL ACTION - LAW
KARTIC DASS and
CHHANDA DASS,
Defendants
COMPLAINT
I, PlaintifT is CENTRAL PENNSYLVANIA SAVINGS ASSOCIATION,
F.A., a national corporation with its principal office at 100 West Independence Street, Shamokin,
Northumberland County, Pennsylvania, and successor by merger to CENTRAL
PENNSYLVANIA SAVINGS ASSOCIATION.
2, Defendants are KARTIC DASS and CIIHANDA DASS, his wife, adult
individuals with their last known address at 902 Valley Street, EllOla, Cumberland County,
Pennsylvania,
3. On October 10, 1975, Defendants executed and delivered unto PlaintilTa
Note in the face amount of$38,200,OO, which Note is secured by a Mortgage executed the same
day and recorded on October 16, 1975, at Cumberland County Mortgage Book 596. Page 61,
True and correct copies oflhe Note nnd Mortgage are attnched hereto and made part hereof as
Exhibit "A".
"
4. PlaintilT assigned said Note and Mortgage unto Government National
Mortgage Association on Novcmber 3, 1975, which reassigned the Note and Mortgage unto
PlaintilTon March 10, 1976, as indicated on the Note auached hereto as El(hibit "A".
5. The premises subject to the Mortgage are more particularly described as
follows:
ALL that certain piece or parcel of land, situate in the Township of East
Pennsboro, County of Cumberland and State of Pennsylvania, more
particularly bounded and described as follows, to wit:
BEGINNING at a point in the Summerdale-Wertzville State Road. said
point being at a distance of sil(ty-two (62) feet measured in a westerly
direction from the westerly line of a proposed fifty (50) feet wide road;
thence in a southerly direction at right angles to said state road two
hundred (200) feet to a point; thence in a westerly direction along lands
now or late of John C. Roth, et Ul(. parallcl with said state road one
hundred (100) feet to a point; thence in a northerly direction along lands
now or late of John C. Roth, et Ul(, and at right angles to said state road
two hundred (200) feet to a point in said Summerdale- Wertzville State
Road; thence in an easterly direction along said state road one hundred
(100) feet to the point and place ofBEGlNNING.
HAVING thereon erected a single bi-Ievel brick and aluminum dwelling
with integral double car garage. said premises being known and numbered
as 902 Valley Street.
BEING TIlE SAME premises which Albert Robert Straub and Barbara
Lou Straub, husband and wife, by deed recorded on October 16, 1975 at
Cumbcrland County Deed Book 26, Page 279, granted and conveyed unto
Kartic Dass and Chhanda Doss, husband and wife,
BEARING Tal( Map No. 09-13-1000-007.
6. The above mentioned Note is in default because the last payment made by
Defendants to I'laintilT was on November I, 1993, which represented the payments due on
August I, 1993, September I, 1993 and October I, 1993, and no payments have been made since
that date, and according to the tenns of the Note, the full principal thereof and all interest due
thereon is collectible forthwith.
7, In accordance with the Ilomeowner's Emergency Mortgage Assistance Act
of 1983, on January 10, 1994, a Notice was sent by nrst class mail to the Defendants. True and
correct copies of the Notice and a post office receipt for each mailing are attached hereto and
made a part hereofas Exhibit "B", Despite the passage of more than thirty-five (35) days,
I'laintilT received no request for a face-to-face meeting, nor any notice from a credit counseling
agency or the I'HFA.
8. In accordance with 41 I',S. 403. Notice Orlntention To Foreclose was sent
to each Defendant by certified mail at their last known address and at the mortgaged premises on
January 10, 1994, True and correct copies of the Notice Orlntention To Foreclose and the return
receipts are attached hereto and made part hereof as Exhibit "C",
9. The following amounls are due on Ihe Nole:
(a) Principal,...""........"......,......,...........,.."...,.... S26,449,64
(b)
^ccrucd (nlcrcsllo 2-7-94
(Inleresl al a pcr dicm rale ofS6.0614
shall accrue after 2-7-94)............,..,..,....,......
769.79
(c)
^\Iorncy Colleclion Fce,.........,..,......,.........
1,500.00
(d)
Lale Charges (Lale charges after
2-7-94 shall accrue at a monlhly
Talc of $11.48.................,......................,......
43.05
(e)
Fees Paid By PlaintilT............,......,............,
28,80
S28,791.28
(I)
Minus: Escrow Balance,....,....,...............
TOT ^L.."........,..,.......,
- 295,26
$28,496.02
WHEREFORE, PlainlilT demands judgment againstlhe Defendants in the amount
of$28,496.02 plus costs of suit plus inleresl ofS6.0614 per day after Fcbruary 7, 1994 plus (ate
charges ofSI 1.48 per monlh from February 7,1994, said amount being in excess of the
jurisdictional amount requiring arbitralion referral.
~s~
^\Iorney No: 19257
Morrison & Schlesinger
545 North Second Slreel
Shamokin,P^ 17872
^\Iorney for PlainlilT
VEIUFICATION
I verify that the statcmcnls madc in this Complaint are true and correct. I
understand that false statemcnts hercin arc madc subjcct to thc pcnalties of 18 Pa,C,S. 4904,
relating to unsworn falsification to authorities.
Dated:~ J) Wi40
~ ~p -~
- \A^--- l\~~-'.--
Susan II. Moratcl. .
Collcctions Officer
Ccntral Pennsylvania Savings Association, F.A.
" ,
"
10_..
'NOTE
..'
..'
r.
I
us $......},~"..~,Q.Q,!,!?,9..,..........................,........,
,......,..........,...............~,~,;,~n~y.................,.........,........,' Penn.ylv.nin
~'I',Y
........................................................................,
October 10
19 !?..,
FOR VALUE RECEIVED, Ih. ulld.,.isll.d p,ollli.. 10 pny CENTRAL PENNSYLVANIA
SAVINGS ASSOCIATION ' or o,d.r, Ih. p,illcip.1 ,UIII of
Thirty-Eight Thousand Two Hundred & 00/100 ($38,200.00) - - Doll..., wilb inl....1
011 ,I.. ullpnld p,illcipnl bnlnn.. hOIll II.. dnl. of ,hi. Nol., 1I111i1 pnid, nltbe ,nle of eight & one-fourth
pe,c.nl pe' .nnulII. Tbe p,llIcipnl nlld illt.,..1 .hnll b. pnynbl. nl the Shamokin Office of Central
Penna. Savings Association ,0' .ueI, oil,., plnc. n. th. bolder b.,eof IIIny de.iSllnl. in w,ilins, in
.oll...utlve monlMy in.lnlllll.llt. of Two Hundred Eighty-Seven & 00/100 - - - - -
Dolin'. (US $ 287.00 ), on th. 1st dny 01 .ncb monlb b.sinning
November 1st 1975 ,1I111i1lb. .lIt;,e ind.bt.dll..' .vid.nced b.,.hy i. fully pnld, ..c.I,1
llu,. nny rcmniniuR indeblcdnc"~. U nul ltuUlwr pnitl. "hnlllJo due nlld IJnyntJlc un the 1st:
dny of October, 2005.
If nny mOlltbly ill.'nllm.nl IIl1d.r thi. Nol. i. nol pnid wben dlle nnd '.lIInlll. unpnid nft.r n dnle .pecilied by
n nolice ..nl by certilied lII.il 10 tb. ulld...illll.d nl th. ndd,... .Inted b.lo,v, wbicb dale .hnll be nol Ie.. than
tbi,ty dny. hOIll th. dnle .ucb lIuilce i. mnil.,I, lb. elll;,. ,,,llIcipnl nllloulIl oUI.tnndlns h.,eund.r bnd IIcclU.d
illt.,e.1 Ih..eoll .hnll nl OIlC. become dll. nml pnynhl. nl tl,. option of tb. hold.r be,eof, FnilUle 10 ..e,ci.e .ucb
option .hnll nol .oll.titule n wniv.r of Ih. ,isbt to ...,ci.. oucb option if Ihe IInde,.lsned i. ill d.fnult be,eunder.
In th. .v.1I1 of nllY defnult III Ihe pnYlllellt of Ibi. Nole nlld if ollil i. IlIollghl he,.on, Ihe holde, I.er.of .h.1I be .n-
tilled 10 collect in .ucb p,oceedillll nil ,en.o,,,,bl. co.l. nlld .,p.lI.e. of .uil, illeludins, bul not 1i'lliledlo, ren.onnbl.
nno.ncy'. (CCII.
The undelliSlled .hllll poy 10 Ibe holder h.,.of n 10le .hn,s. 01 four (4) percenl 01 ony monlhly
ill.lollln.nl 1101 ,eeeived by Ibe buhl., b.,eof wilhill fifteen (15) doy. ofte, lb. ;1I.lnlllllelll i. due,
Tbe ulldelliSlled .bnlll.ov. Ih. ,igbt 10 IlIel'ny Ibe p,llIcipol 011I011111 oul.londillS in whol. 0' III p..I, provld.d
Ibat Ibe holder he,.ol IIIOY ,e'1u;,. 111111 nllY pn'tinl p,.pnYIII.nl. .hnll be IIInde on Ihe dnte monthly in.lnlllll.nt.
n'e due nlld .hnll be III Ihe nlllOllll1 of 111111 pn,l 01 olle 0' more In.lnllm.nl. which would b. opplicobl. 10 p,in-
cipn\. Any pn,tial p,epnymelll ohnll b. nppli.d nllnill.1 ,he p,llIcipnl nmoulIl outolnlldinll nnd obnll nol ext.nd or
poolpone Ihe due dnle 01 nllY ."boell"elll 1II0llthly illolnllmenl. or cbnnse Ibe omounl 01 .1Ie1. ill.lllllment., unle..
tl,e hold., he,eol .hnll oth..wi.e ns,ee in w,itillll'
P,e..ntmenl, nollce 01 diobono" nlld p,oteol n,e he,eby wnlved by nil mnkell, ou,elieo, su.rllnto,. nnd endollen
I,.,eol, Thl. Nol. ohnll be tI.e joillt nlld .ev.,nl oblisnllon 01 nil mnke,., ou,etie., sun,nnloll IInd endollen, IInd
I'hnlll,e bindinR upon tl1em nnd their heiu. lumtellnl representntive". "uccellSOftl nnd aSlligns.
The illdebtedne.. evldellced by 1M. Nole i. ..c",.d hy n Mo,tgng., dnled 01 even dnt. he,ewilh, nnd rel.,ence
i. mnd. Ih.,elo lor ,ishl. n. 10 nccderntion olth. ilulebl.dll... evldenc.d by 1M. Nole, '
..yu~~~J~t..,,1.!7y.;Ji.t~t.,
902 v'iley Street
Sununerda1e, (Cumberland Co.), Pa.
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J/WE HEnEBY ACKNOWLEDGE RECEIPT OF A
COPY 01' TilE MOIl1'GAGE ANI) NOTI~ 011 1I0ND
AND WAllIlANT WIIICII I/WI~ l~l(f:cun:IJ IN
OnIJEIl '1'0 CLOSE '1'11I5 'l'IlANSAC'I'ION,
----~1!.k"-~~___-
'CAJe.'h-'l. 7J,~
-
PAY TO THE ORDER OF GOVEnNMENT NATIONAL
MORTGAGE ASSOCIATION WITlroUT RECOURSE THIS
3RD DAY OF NOVEMBER 1975
CENTRAL PENNSYLVANIA SAVINGS ASSOCIATION
~ ",' .
;' .. - . ~ ~#
..0 olI. yr:. t, ,,((.":'A..'I:;~
WlllllIm MCLlIughllnOVlce-Presldent
fAY TO litE ORDER OP
CENTRAL PENNSYLVANIA SAVINGS ASSOCIATION
WI1'HOUT RECOURSE
IlOYIIUlllr RAflOIlAl loallUI AlSOflArlOl
liAR 1 0 1976
..........._u.. .~......-.,..
. (.I ~;;.'(- .
(. 5
J\'IORTGAGE
(SIIOIlT I'UIlM)
10th
CllII/ltlU/I
october
.1975 .IJf'lwf'r.n
Rlreet,
.I.'f"'
11 ils ~ICJnH;^(jf,: i.. 11I11,1,. Illi..
III" t\ll1fll1nltll'. RAn'fIe lJ1\SG ~
IInrrlnhurg, l'cl1l1nylvnnln,
tl",It,11I ..It""",,,,.t"). IIn.III". Mlllhll'I~"'" "I.NlnAl. I'LNN~\'1.V^NI^ ::;^VINf:!i ^~l.\f,t('IAIION. n rn'tlfllll'
tltllI IllllRnl1".llIlI.1 ,.,i"lilllt 11I1,1,.. II". II""" ,,'1111' 1'lJIl1l1'llll",,,nh'" fI' 1"'1111,,)'1""11111. "llfI"" n,"',""" i1 I nil \V. 11It1,'",,",
.I,,"rt' ~h""I. '!;llIlIlIul.in. 1't'lIt1,,),I"lIl1il1 (I."."i" "t,.n.I",").
\\'lll.lU'.A~. 1111,,""'" ill hlll,.I,II..lln 1"'11.1.., in II... lulllrilllll "11I11 tI' 'J'hi rty-Eight 'l'housal1d Two
Hundred' 00/100 UJB,200.00) U"lInl", wMrllltul"llI"llnr."" I" nltl"nc".II.)' I1t11ft1w",'" IInle Q' urn
.Inl.. ,."...,,1111 (1,,,.,,1,, "Nul""). Ittll,i.lilll~ (n, 11.111111.1)' 1""11111,,,""1" II' IIIlmillnl nlltlllll,.,,,,.,. ""ill, 111f! I.nlnll(!! nl
1I,t' Itlllrl.I..IIII".....1f IInl """11"'1,"1.1. 1111,. "1II11"')"IIIt1,. 1111 october Jnl:, 2()05.
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'"lInwiIlR 11".r:,ihl',III10IIf'tI)' 1,,""lr,lln Ill,. ('lIl1ftl)' "' CumbQrlnnd . Cnllllllonwe"hh
nll'I'''II')''''""II"
/ILL thnt certnln piece or pnrcel of lonl1, eltunte In the TownshIp of East
rel1l1sboro, County of Cumharlaml nml state of rr.nIlAylvallia, morr:r particularly
bounded and de.cribed os [ollows, to wlt.
I1EGlNtllNG nt n point III tho 1l1llnl"ordalo-Hort7.vlllc Stato nond, .old point
boil19 nt n dlntancC' or "lxl'y-two (ti2) foot:. mcanutl1d ill n won~l1rly cHrnctiott
(ruin l:ht' wonl:crly IJllp. uf " proponcd rJ ft-.y (50) f(lot: willa ronth lh(lncn JII
a southorl)' direction nt right nngle. to .nld .toto rood two hundred (2001
feot to a polntl thonco In n west..rly diroctlon alollg lands now or late of
John e. Hnth, ('l: mc, pnrnll~l wJ l:h snid stnttJ ranc1 one hunc1r(l(l (lOO) fcrt
t:o n point, lhence In n northerly direction alollg lands noW or lnte of
,John C. Hoth, et mc, nnd Ill:. right: angles to snJd state road two hundred
(2001 feet to 0 poInt in .ohl Summordole-Hort7.Ville State nood, thence
in on easterly dIrection along nold .tato rond ono hundrod (1001 feet
to the point 011<1 place o[ nEl1llltlll1G.
lI/1VlIlG thoreon oroctod n single bl-lovel brick nntl nluminum dwolling with
integral double car gnragp., "nld prcmineA being known "ntl numbored as
902 Valley Stroet.
DElIlG the some premises which /libert nobert Straub and Darbora Lou Straub,
his wife, conveyed unto Rnrtic Onss and Chhando Uss., his wife, tlortgogors
heroin, by deed intendod to bo recorded simultaneously herewith, /lLSO
being the same premiAes which Chos. IIdler , Son, Inc., a Pennsylvania
corporation. by !to deed dntod June 10, 1914, and whIch deod is recorded
in the Office of the lIocorl1or of Oeeds In 011<1 for cumberlnnd county,
relmsylvnnia, in Deed Dook "0", Volume 25, rngo 809, grantod and conveyed
unto 1\1bert Hobert Strnuh amt narbara I.ou Strauh, his wife.
iiI
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On tM.. Ilul Jlltll
lIotary pUblic,
hia wife.
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leln. f'l"fII1")'I"""lf,,. 17872.
,1975 ,h~'n'ellte. a
KarHc Dana' Chhanda
Dass,
are
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III tlIll tun"- .hl,wl"" tlt.11I1' nIl'IIIoo'.II.. I" IIII' tWill. '"1.1 Ihr NIlI...,r'lII wltlrh rnch ,Irhll In Ihr tllllll" ","1I"lIll1l1r. 'IIIt' tUI1.I"
nlr 1,1I'lllrll n.. nllllllh,"nlllrrllllly 1"1 Iltr rlllllC ltrrlll...llty Ihl.. M"IIII"~'"
IIlhl' nlll'Illllt ..llhf' '"1111'11...", It, 1"'II.h',.I"ltdltrl wllh Iht' lulme Ifllllllh', h.,I.llmelll.. nl IUIld, ra)"nhle p,h., to tht'dllr
11:111!' III tn~I". f1'1II'.~'"1'1I1.. 11l'lIU!1lU'f;' 1'lt"lIIl",'" 111111 r,11I1I1lI1 ,rlllll.lhllll I!urrd Ih'! ClmOIIll' 1t"lllht'd It' 1"1)' .lIhllllll.... 1I1~lll't'IIII1.
III<tllllllll' 1111'11I11111I'1111..1 fllltUllIIII'III~ to:'! Ihr)' 'nil lit.... '1I1Ih t'lfr~" ,h,,1I hr. aIU,,""wr,'1I o,III""II:IUII" 1""I11I.lIt Irllltlll {I. lillI-
I"IU'I III '11I1IIr..1 hI 1I111111\V('1 1111111"..1111, IlI'tlllllll"III" III tllll"" II Ih,. nm"UU' '"lho: fnlldllll~hl h.y l"'Il,Io'1 llhullllUI hn lllllll.
(11"1111"1"",' htlll-!l. n't~"~'IIM'''I''. 1...."IIllH." 1''':1II11l1''~ 11...1 IIl1JllIul Il:'lth nlll!try Inllllur. IIlttrlJWN !lh:t11 I':'!' tlll.I't.,h'. 11111 nm,"1I1I1
I"....~'lll'. 1'11..,,11,. Illllhl' ""'101"111-" wllltln Ihhh .1:1." ullt:1 II'II,r., hlllll 1",,"1t" IlIllullllwt'r INlllrl'lU"I"n)IIII'Ullhrlf:ol.
"I'''"I''',llI''lIlll1 lull I" nil ~1Il1l" ,,'I'llI,"I"y Ihl'l Mnllr,i1r,... 1"'IIt1,,, 1lImlll"flllll,n, '1'(1Il..1 hi ""llIm,,' nllY ,"mb Iwlt' lor
I ~ '...II~t
IIl1lltll'l 10001I1\'lnl.1I 11l11"t~..1 II.... 1''''1'''111. I" 111110111I lltr 111'llt'tl)' I, Illhttwl'\P nfll'lht',1 h, l.c'uol"I. 1'-:llclN ,hili ClIII.I,. ""
t..kl llllllllmlJll'tllll \'I)' l"h'l III Ih" ,"h' IIlllot 'l"I"'IIy," II.. nl'IIII'IIII,," It)' "11I11". nil' t'IIII,I, ,,,:11I h)' IA!II,lr' nl UII' 1111I1' ,,' nil'
1.111 ill 1"" II' n f"l1,,11t nr.n II" Ihr ..lUll" "'111I1,,1 It,- III . ~1"IIr.nr.r.
:1. ^1'1,llrltlllln "' I'", IIn III". 1I11IH" IIltl.lIl:lloh' 1'1\\' 1"'ld.lt." "Illl'lwl.e. nll":'!Y1I1I'IIl'llrl''llvl:.II.y I~II",I 111I.1"1 Ih,' !I..lt' 111I.1
11l1I1l1!llltlh" 11'1,,1 ~ 111"1"" thulll... l't'l.ll,II 1.) 1.1"101", 111,1 11I1.n)lnl.'lll ", AIII',III1I01IIl1,.t1lJlp. 1..1.t.IltI"1 I..y I"'IIIIWI'I uIIIII'1 l.tllI'
l~lf'llh:t hl'1I1'I,III"ul.. h'Io'II'!'llli"lIhlt. "1111... U"", IIlltlllll tlllmr ^,h'f1UCI"'I. If nil'. IIl1d thl''' tll 'hr 1"ltl,'II,alll' Ih,'lIl1h'Itl..1 lit
1111' l.tllll"llll1l "' 'HIllU' ^lh'II'"I'.,1I nil)'.
1.1'11;1111('-: Uru., 111,""'\1'1 dlnlll'I') nllla'I'r. If'lfr~'1..tr.''h 11",1 otht' ch'l.ftr... nile' nll,1 IlJI111J'\1l11l'" nltllhlllnl,le 1ft tht:
1'1"1"'1'-" \\lthh 111:1)" Itltnln II 1"1I1I11t) ..n'l Ihl, "'''IIr,art'. nllll r.IIIUlJlllcnl!l, II nil'. nll..!It'lrl'" 1'1.1"11 IlIlhl' 111I1111I1:' 1.1lI1t'Id,"t
1I11.ld 1.llln[lltl.h' "t'1I1.11I1 It). 111111"''''1 IlUlklnlt 1!;IUllr"'. wIWII,lu.,. dln:fll,lu lilt! IUI'l'e Ihelr..l, Ihlllll~;I'r ...II/1I1"IIlIlII'U)'
ImtlHI I" ...",h'l "II 1".tllI'" "' 1t,,,.tlllIlot .hl" HIlII"1 Ihlot Imlllltllll.hl n,"1 III the t'yrllt Ihul""".,1 ~1I,,1I lilahI' '"11\'1111'111 dlll'I.f1y.
11"1111\\"1 ~hlllll"'Jlllllll, 11II1I1~111.,IJ'1II1"1 11.,\'11,1'1""1''''''1'1111': I-III'IIIIII,III..ltl,. Ilul,n\\'t't IIh/lIlI'II'IIII,II)' ,U.dlallte 1I111U"" l\lllll1
1"'''1'11,,"11.\' I"'''' 11I1r- 1\I"IIr.alt'.: l'IIO\"hl,..I. tlml H"IIII\\1"f lltllllll',l It(' ""llIhl"l tll 11I~""I1Ir.r IIIIJ '11th I~n till luttl! n. Ih'lluwr' ,hllll
111'1.1'111 \\IIIIIIr.IIt Iltt'I'II)IIII'III..III'" ..hllr.lIll"II....'"..,II." ru.h 11t'1I1" n 111"11I11"1 nl'lI'I.II'lIlt. tu 1....,,1"1. III rhnlllll Itulltllllllh
I "ltlt" I "lIlt ""1111)",1'1 111'I':II.I'III"...'n"lll ..I . IIlh 11'11 Ill. (..ft,"1 1,"",',"I1I1r." \\.hh h "1"'111 t. 11I1'I"trr..1 th.' l'Ullll'-"l",'1I1 flI 'hi' IIt'1I
I't II1.hllllll' '" till' I"IIIM'II)' III nil" l,u,IIIII'I'I.I.
5. Ihl:UII hl.l.,allcr.lluttnl\l'1 ~,"'Ill klt'l' till' h"I.lt.\'t:lllClll!lllllwr,lsllnr.fll hCI('IIIII" r.ledr.ll"u Ihr. 1""ltCll,. IWUIN' :Jl!nltl,;1
I..... It) till'. "n1ltlll~ IIIIIIIIIt.,1 wllhhllhl' kllll "1''''01' "IIIUVI'IPI,t'''. nlllllllll'h "UIN !tnllllll. ".. 1A'll,II" IWI)' tl'lluhr 1111.1 ht Hllh
IUII"'I"1o 11I,,1 "'1 ...lIth 11I..."tllIl1" ''''Utl''1 1I1lt). ""llIhl'; l'lIIl1llll'll. Ihllt 1.l'11I1I'. Idtnll 11111 Irtllllte Ihnllhr "",,'lIullIllIllI'lI tU\'I'lnrtl'
t ....d Iltall1l1ll'"IlII., 'lIl1f.tlllt"II'llIIH'lt 1111"')' 1111' f;lllnll ilCl"llIld h~ Ihll "'lIIlnll"t'.
'1111' 11I~llIhlll"1 ,...llkt l'lll\hllna: thl' hl'.IllIIl"'" ,k.1l lot: c:!m,rll It)' I1I11I11WI'I lIt1hJ<:t'llu "\'llttlI'1I1 II, 1,I...II'lt'l: 1'llly......I.tltlll,
!1Il11 l'I'I'III\'nllllnllll,,1 h" mlll':J'II'"!!"')' \\nll",."1 ^"I'lt'lI1hlll" 011 IU'ItllnWI! ,".Udl'll IIhull If' 111I11.1 III l.tlllle"" "'Ilh.u III Ilw
1":11111':1 "11".101,,11 ",,,It', 1'111111:1111,11 21"'ltuf Itl 1')1 1",1111\\'''1 11I1I..h'l 11l1)'tn(,lIt. whl'lI dul', dhl'tlly In Ihe 111$11111111:1" rlllllcr.
,\lIlll\1l1l1l1t'. 1.,,11t h'lIl1l1oJ 1,.'It'wnl.. Ihcl"I'1 fllall h.! III 11"III 'l:I't'I'III"Ir. lit l..elld~1 IInd 1111111111"1""(' n "llIllIllIlfllllPtl,fll,e clnllt-l:
111111\"1 t,l 1111111111111111 nllrltln"''' I",,,'J11II'I. 1"'llIlel '1hlllllla\'1' Ihl' I lhllll h"I,lll," 1tf1lkll'l 111I1 't'lIr,yn" ,"<:.elll. III U.,nm"c'
,h;IIlI'I'OIlIl.ll, IUI"I'h Illl.rfllkl 1I111r111'\\1I1...,1It"f'1 n...1 nil I"rll'" 0 IlfIltlltlrmIUIIl', lulhe rYellt 111111'11. 1I1I1I"",!!r ..hnll 11llIc
1...01111.1 u"lI',' t..lhl' 11I"1I1ltlll'" t':JIlli'1 'llltll..'!l,I"I, 1\11I11"-'lIIle, 1I1(1)' 11I,,1t" 111'101 1,1 lo,..IIII"llUllde l'IIllIlII'" h,. )111l1hWt'.,
I'IIltt!'lI...llIlt.1 n",III"I'III\I'1 IIlhrl1,I~,' nllll'I' III "lllIm:. Illtlllflnre 'lIffl~ds ,hnll he IIl'Jlllrd 0 'ttllOIllUIlII III 't'I.1l11 fll 'ltr
1.,.......'" 111'11I",~...I.lltm-III''iI,w h 1('".1"11111"""1 1l11:Jh I!' 11'1111",..1",,11, fl.n,lltl" 111111 th" ,,,tuIII, 01 Ihlll ",,,,Ir.nllt' It 11111 Ihrl.,h)'
111110:1111.1 II ~lIIh ll"!'It.'nU"UIII HI':11t l~ 11"1"'1111"11111;,111' h:l\tlhtc UI If till' r.rclllll, (tllhb Mml[nr.l: "'lIultl hI' hUlln"nl. Ihe
h..,.t1!1l"I'I'"",I""~ 'h:oll I.., 111'1.111,.11..1111' '11111" 11",111'111'1 thl, r.11111r.nt!r.. wllh Ill'! t'll~c,11 nu,.lllth 11111,,,1.,\\,1;1. II tll" 1'111111'11)'
I~ ulmll.I"""IIII." ""'III\U" III 111""""'" hl1~ I,.II'IIIIU.II', ',111111'1 ",lIhln:'III ,11I'!'IlIlh" 11ullu' II)' 1.l'lIlkt III n'lIl1l\ll'{" 111111 tho;
IlI'lltllltu' tI"th'l ..lit'., 1'1 ,..111,. 1111:111.. 10'1 hl<III11llll.I.."I..tIl-, 1...11I1(. III hlllltutb('d It, 1'lIl1~t allll nlll,l, Iltr ht'llllltlJl'e ,1"trl'f'll'll1l
11'11I1"1'" "1.lh'lI dlhl" In '1:~1"1"11"1l 'It 111.,11 ..llhl' 1'1"1"11" 01 11IIhr l'IlIlI. '1"'1111'1111,. Ihl. MlI,t,nr.",
Ilnl..... IJI..ln 11111111"111111'.' ..1111'11\1.' IWIt,..11l \1'1111111' "",Iudl "l'l'lk:JU"n ul l'll,",rdtl " 1"llIdl'al '1l1nlll'lll r.lIle'''' tU
1....II'i.IlI. II". Ihll' 11:110' 1.1 till' 1Il""Il,I~ '"~I:tllll"'llh 11'11'11,',1 III In 11II111r.1"I,h" I hllll 2 !tNt"ll... t:hnlJr... Iht' III11UIlIl' fI' III1('h 11I.lnll-
111I111..
II mlOle'l 1,"Il'!!'''I.I, Ifl hl'l'l.llI", 1'"'1''1"1''' 1'1 uo.l'lIhl..II'l' I.. ",It'I. nllllr.hl. tIIh'"lIllllIlrled IIf 1111I10\111'1 hi "'JIlin nil)' hl'l.tI-
1I1111'1,,"lIdl'" 1111.1111 "",'1111111.\.......,-11. 1I1t'11ll'IIII (II" 1'.h'lIl ullhr '1111I. 11(,1'11I1"1 hI UII, MUIIr,I1r.r 11l1l1lt',1I11Irl, 1111", tit ,mh ,"1.'
III llI'lullllllul1t .."ullltlft Iwm t nlllar." III 'ht. l'I"IIt'11)" 1'11'11 t.IIII" !lnlr ur nt'llllldllllll ~hnll ,,"~.In 1",llIlrt.
a. 1'1,...,,,.111111 nllll M:tlnlrll;tlllf' III l'I"IOfII..: l,ra...I".IoI'l1 ('ltltllnllllllhlllllil, tll1ttIlV"C" rllll11 kt't'I,lht' 1'1111",'1, III r.IMIlI.r,llJh
11".1 ,,1t:11I ulIll"'111I1I Itl '.1.1..11I111\11...., ltlll'I,ItIlIl'III. "1 11,.trllll.nlllllll.1 "," l'II.,O('llr 111111 Ihllll tt.t1I1III. wllh Iht' 11I'"I'I,hllll nl nll1
1"".".111111. "'''tll::1t~.. I" "11 n h'w,h"M Itlhl" 1\1111"1:,!r l!t "" n 1"t'Ullllllllnhllll 111I11. Ihntowr' .Ilin I"'lfl'"11 nllolll,,""WI:'I"
1O"1lr,1l1l""'l1l1ll1"1 It.. 1"'!'Inllllltllll,1 ,'..u.t","lllhlllt '" IIIn.. ,,111''1,,1, Iht' ",.111""11 nllll IrltttlnUOlt!l "' Ihr """lll11l1ll1l1l1n Infllrrl nnd
1',,",llIurulllltt:llmrtll.,
" t',..lr,IIIIII III 1'llIlr.... ~rt'uIII'. II Ih'lltI\\'I'1 Inll'l ""K:llttlllllhc (tlvrllllnl.. nllll n,ltcllK''''' NIIltnlnrtlln thiS ",",11'11.0. III
II ""llll'UIIIII'1 ,'lIortC'llh'rt I. CIllIlI11O.""..1 t\hlt-II lIIah.tllIlly nllcrlll.t'tIllt'.... 1111,.,,,,t III thr. 1""11(',1,. I"dudl"". hilt nollhllltt'll tit.
IlIIltll'I,I.I"It'IIIIJ, 1I'.lIh'''III')', tt..le ,,"'IIII,'mr..l. III 1\IIIIUl:rlll('lIl. "r 1"lK'CI'tlltlll' IlIyolvlllJl . "'hle,upl fI' tlcttclt'nl. Ihr" Lr-lIt1er 0'
,J....h-... "1.'It'II. "1".1t fltllllt' III'hlllll\\I.t. 11111\ IImk" ~Il~h "l'Il1:nlnllrf'!'l dld'IlI'1't rueh 1111I" "ncllllke! 11I1'1t IItUnl1 .'1I'llef{'"III' to
1'11'1('" 1.c'II,lr", 11Ih"r~l. l'ldlllllll,!. 1"11 1I1,llhlllh',II...tlld'lIl,rlllrnt III 'rllrllnnblt' IIltolllrl'. 11.'(:11 111111 t:nhr "I"'" tilt' "flJlJI:tl' tn
lII:1k.' tl'1,,'IIIl1, ^tll hlll'llInl.. .11'111"'1.,1 In' 1.....1"1 l'III-lIltlllln Ihl'l (1."nr.tllllh 1. \vUh Iltlr.'r" Ihe'MIt. ,:hllll hrt"tttllC' IIlhIlUIIAIIII".
Iltl....tll1l.!'l, t,f 1'''ltlmN rrt'!lIl-lllw Ihl1 M'.t'\!:I,,'. lInlr.'Illlltlll\"l:'f tltlll t.rllll,.1 "r,lrc h, IIlhrr 1"'"1'1 nl t.;lllllt'IJI. IlIeh 1I1ll..1I111"
'111I11 lor I,")'nlol.. HI"'" 1II.lh,' 11'11'" I t,,,,h'l I.. 10."..\\1'1 1I..I....rtlur. 111I)IIIt'lIIUWlt'I.J, IIfltl ,hnll IIrn, lulrlC'.t '"11I Ih., dlllft III 11111'
l"lIoot'IlIl'111 ht lit.. Inlo: ,11110',1 hi lit.. II"I.~ lIIII,"r 1"")111"'" ..lllIll'lr,1 III .....h tlltft \\'1111111 hI' r.utlr'I). h. 1I1'IIUtllhlr I""'. hi whlrll
,'\'C"nlllut'h ft.lflt1t11l. ~hnlll",,"' hllt'lr.1 III Ihl' !tIft II":' II'I~ 1"""llnllll" II,. 111'1,111"11111,. 111\Y. Utllhh'll Nllllnln...1 In Ihl!'l f'l1l1l1111l'11I 1
'hnlll"'llIlII! 11'11111" In hlttll nil)" r~llt'lI'r Itl 1111 nil)' nrl hrll'lImlrr.
1I. llUllI,clhtn l.ruI1c. IlIn)' U1nkl' III t:m',. I" 1M' 11I11I'" '('lIlOlIl,ltlr r.llhlrl tlf10lt atl.1 h''1IK'tllolll hi Ihe 1'101",11,. ...,n,'ldt'fllhlll
1...1111.., IIh"U r.h'r IIn'''I\\'rI 1I11l1tl-llll... I" run mdt 111'1"'1"111111 "1'l'rU,h1fl '('II."..nhlt.' tflll"t.' Ihrtt.'III' Il'lnl"" In lot'lI,lr". Inltlt'd In
111"1..111....11'.
II. 1"lIl1lrllll1l1l1flll. ""e 1"ltr..,..I! "I 'Ill)' nWIIlIllIl I.hllll ItI' Ilnlll"llr~. Illtrd ." ..IIIl,rtllll:lJlIl1l. III 1'1I11111~1l,," 1111111 "It,. f'llflIh:'lto
111'1111'11 1I.1.1"t'1 Ink III!! nl lhl' 't"I"'II~. III 1..'lllh...,."I. '" '''1 rflln'f')'lIl1rr III liNt fIr I'IIIlIlrlllllllllllll. nil' hl'lrll' lI....lr.llnl flltll ,hnll hI'
1':tI.ll"I.I'It,lrr,
lit Ihr ",.rttll" n l..t"llnklllll 1.'II,r 1'1111".1\'. IIII' "I.ltrl'll. .I.nlllll'! nl'l,lI.~,II'1 till' """" !tt''tUltll ..,. lhl" Mlllt<<nr.e. ""lIh Ihe
.."".....11 rll1,..I':'Ihlllll1nlt!l\\,rt. 111 lit,. rHllt ..11I1':II','1ll:1kltlf!'" Ihr l'II'I",llt, Itlllr.... l1uIIII\\'r' ntlll ',wh" nlltr,wl~r Jllllrt' III
"
\\1111110:. IIn," ,1I.n I". hl'I,lI..II+lllll' '1I111~ ,..lIll.II." Ihl, "''''1''1'1''' 'Ill I, ,.III,,,.,II,,.i "' Ih... I,"..'t.,", 11'1 ,.. ,..,w,1 III ,1'111 1111'1",,11'111
"ltlt II Ihl '"""""',,' II,," ,llltl" '1111I..1 I.t ,,,lot "lllIIW":l' 1"'1111'11'" .1)' 1..1", h, tI", ,Ial.. "I '"kll..: III "'" tn II... lull III:nhd \,1111"' ..1
11"""11""."\ h......,IIII,.II 1,,1'.' 'nll,,'.lall' ..11"kil.,:. nllll 1..'...<1111...1.'.'1111.1".....111..1.(11111,' Itnlllltll'l
" 1111' "",'''''1 I. ul'I""I,,,,, ,I I" IlnI'''\\11 .., 111.1"-' ,,"thl' I.. 1--t.n.I.,. III 110'111111", Ilmt II". "",.1"1111'''' ..Ih'" I., lIIilk.' ""
I'" 11111 III ....111' II it.ll.. ,,,' II:,,";U~". II"',,,.,. I lull1 I.. 11"1,,,....1 ill 1.1'lul,", ,\111111. :11I 11;1.''' HI Ih... It.ll' III nil It 1,"1111', IA'IItIl I I..
II11Ullllkt".llu,:.tll." all.llll'I'''" II". I""'I..I.! III I~'II.I"I>" "I'U,," t,IU...1 IUII",I","I1"" "1 lf'I,al, .., 1111' I.I.'I....II~. ..I "111"' !l1l1l1.!I'
,11I,1110, II," M"IIIt;I!""
III~I'~I'I 1"'11,10 I r'It.1 11"11""" .,II~., \\1\1' 111:11" III \\'lllhm. :''') 'Illh "1'1.11' I'""" .., I"'" I ('.1, I.. III It.. ItMI .1.r\1l IIl1t 1.,,11.'11I1 ."
I"r 11'"1''' Ih.. ,hi.' ,ll,Ii' ..I "... ""'11hh 1II'-I:,lhll..nl. "''''1 If'll In III I,",nr,'"I' ,. I '11111 ~ 1,,"'nl"1 ,hlllll'" 1111" nll,"""I "' .1lI" III~lrlll
In....I~
I.. ".."""tl N,II IIlltlt"d, 1~,Io'lI'I,,",.III... Ihm' ,.., 111"11I'"' '" ,"...IU11'1I1"'" .., ,""01111,,.11,,,, "' II... "''''I~ ,.,t.UtI,1I "> II."
1I1",".al.t. 1!llIuh .II,~ 1",'11,1., I.. !lUV . "" ,.. "I h, 11II,,,~,I," 1""",, ,., ~hllllll"IIII""lIlt' I.. II k!,"'. III run. 1II11111"", II... 1I1,hlllh' "I lit.,
"tl,,!h... Ih""",'1 lIt..1 n"I""\""" . IU" "...r III h,h'''-'I. 1",,,.11'1 ,111,11 ""I I..' 1"'1,,"..1 III '''IlI11H"III'' 1.1.........111:., 1I1ll,III'1 Mlt h ,.11I'.
""'001 ,'1 "'111.,'1,, O!..... ...llh'... r"l I~'.I,,,."I "I "1I11,,,I~'. 111...111.\' ""'''11111,11.... ,.1 !I,,' ,,,11I'1 "" III I'" ...,- Ihl. ~"'Ih"'r." 10)' ...1'....11 "I
all~ ,"'III:llI,1 1111111.. h.,. II". "' h~It'lll 11"'1,"\,'1 !U1,1 '''" IfI\\'''''' '11I1'....11'1. III IlIll'Il",I,
Ii. I'lIIIW~'"I1U' h" '.I'llIlrr NIIIII "Iltrr. ^II) IIIIIII'AIII""'"'' 1"'IUIf'r In "'1'11'1'1"'" An,. ,Ir.h' III 1"IIl~I, 111"1'1111I1"" A' ulhrl-
"I'" uI(III,I",1 It, AI'I'''':IIIoI.. Ir"". rllllllll,,1 I", II 1l1,1~.., ,,' "1 ,"rrh.'" I"" I',,..d~! ,., 1111, .Irhl "I '1'lIIt'llr III'IC'IIIItI,',. 111.. 11111I""I!.
1",'111", h"""II1I'1:' Itl 1111'1'11'"11'11' ..lllu... "1 ulh," "'.""11 Ihnll'''' II,. 1.r".I,.. ~hlllllt,,1 III' n wnh.t'l It' "'1111..,'" ,Iroh' lit nC",'Nnlr
tI". Imtltltll~. 1"1"" 1I1I,,,101l..1t1l''''' .,.1."....1 It). Ihl'l ,.1o.11r~"r.'..
12. IIrllll'llIr. "lIll11lbU,r. ^"I'""'III"'II""\'hl,..lllIlhl!l MII,lrl'r:I' nIl' 111,1111I1 nll,I"IUllldl't1v,.llI "t,)' "UtI'I .Ir,hl ur 11'11I..,1."
11I1111'111,1'1 M..llr,nr,rlll nllltlll.'tIIo,.law'lI "'1" ".111I1111I11"1"'1'"...1"".1 nlll"mu'"II)'.11II"'III'ml"IIlIyIII 1111I11.....1"1.1)..
1:1. """rr'"III,.,1I1I1 ""'11".11""11I11 J..II,11I1II1 l-l:",,,n' 'bl,m"t .'''I.lIn''.. 'Ih,' ''''VI'IIlIIlI" A,"1 pr.lt"I'IIII,,,I. 111"1'111 "Ilfllnllll'fl
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:lr.lnll...t1l 1111.,,1011 III lIllIh.r. h., l..t1"",.I~ ",I." ,10:.111..1":1.,,11,,'11I""" "..", nil ..""~"IIo)I'" 1I11,IN 11,1. Mltlh~IIr.r. 11lIIllh.. UIIII'.
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:., Ion,I..,It' h"", 1'11"1 t., tl".,.....""-II..'I111 III ,., "'.I.lh,,~ Itlll thnlU'1 rule- 1'1 IIlh':1 1I1111o-1t. r...I,. Iml""IIIIII" Ihl', ~1",II'r'rl' II: fl"
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,,"I """'111I101" 1111"'1'"'''' ft'".. 11",111" n'" lilt' 'Il"'~ "'11111'111". 11,1. "'"IIr.llr." I"'ll/I" n",1 tI,.. .rn' ""1 ""11I111". 1I:.hll- In 11I"",,"1
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IlIhll" ^.h'nllt1"!11ln 1I'"I""'CI. ",..h "tlhlll' ^.IVlIlll"'1. with h,I"lr'llhr,,,'II. ,1I:t1l1'" ,rctueol b)' Ihl~ M...lr.ll"" \\'hO:I1 r.,'hlt"It'd h)
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II11lnt1l11 "' IhI'NIIII'.
'n. "lIrt'I:I." Ill.."", "''''''flitI'. If :'lilli' l'n,I "' ,h" .IIIU. rl'flul'II hy Ihl, ~h',h!I1"1' n'r 1("111 In """nwrr III nrqultr IIUr I..
1111" 1'1"1"'11,.. 11110: Pt1",lrllr!" I. h",..I" .It'. hlll.1 t., I". " I'"I,Ion',' f:ng"br"r~Mr''YI''"IlUI
. .,ullly nf CutllltlHI.,nd ~ SS
...,1..,' ill IIII' oUlett ror II.. Iftco,rfi"tI of Ua..lt.
,".I for CUmbftll"nd Coun'y, re.
),t~ 000\ . _ Vol. ~"}:'/. r."" 6,/
......, my lutnd ",nd u,,,J of oWcs. at
"," ";'./~~ril o'<<~tJ.-_,#"A"
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Return TOI
^NOnE:W M. rlr^. JR.
,,, ,n"",," A' lAW
r.n'U'FItI'F. A' ....AIII':'I "'ntFI
nllAf..If1fo:UI. "r::tn,"VI.Y"Ul^ 1 tn71.
,',
IMPORTANT: NOTICE (" ,IOMEOWNSRS' EMEflGENCV MORTGAGE ASS INCE ACT OF 1983,
PLEASE READ T1iIS NOTICE, YOU MAV BE ELIGIBLE FOR FINANCIAL ASSISTANCE TO'/mI1D YOUR MORTGAGE PAVMENTS,
RE: Accounl No,
110200!i!i 1
!lOZ Vi.lllpy ~;I I ("!I,
FIIIlI II , /'^ 1 i()2~. 1 !i11
Knl'tlc C. [11155 _____,__
CENTRAL PENNSYLVANIA SAVINGS ASSOCIATION
0.,.:
1/6/111
TO:
FROM:
Your mOl'Q.ge I. In ""ou. def.ult becnuse you hnve f.lIed to pay prompUy Inalnlhnentl of principal and Inter8ftt, 11I1 rlllquhed, for II
p.rlod 01 .,1..11 Ilxly (801 dOV", Th. lolnl 0111011111 ", Ih. d.llnqu.ncy II S _111'?..1!L_ . Th., lum Incllldns Ih. following:
1I11f1 (1) lIIollth u:..lli!.l'!!!f!!!5!!,L1.1~(~,llll, hlo (;iL!!iolll.hl.Y_Jli!jllII(,IIt.~ uf 1,'1/;' ,I"...,j-" IJ~ Jill.'
c1mnJl~s of ,~20.7U. .__,___ ---,-----
Your mortgage I, alia In default lor Ihe lollowlng "J"lon:
Ill.. 11.1. p.,.g,.ph olllV lI.ppllc.bl.)
You m.y b. .lIglbl. lor 1I"."e/.I ."',".lIe. (/,., will "r..."'lor.clo,,,,. 011 vour 01011000' II vou complv wllh Ih. provisions 01 Ih.
Hom.own.r.' Em.,o.ncv MOIIg.g. A..I.'.lle. Acl 01 1983 (Ih. "Acl"), Vall m.v b. .lIglbl.lor .m.,o.ncv I.mpo,nrv ."I,lnnc.1I vour
doflurll hns ben" cnllfllod by clrCUlt1!1lnncnll baVDlnf your control. nnd If you mnollho .dlglblllly roqulrnmnnl!l of tll" Acl"' dnlnrmlnod bV
'he Pel1naylvnnln HaUlIng flnRncn Aponev. "'tJn~tJ ,,,nd"" of 'h:s Nollcu. "eo"',,'"s ",. U_p,,,,.,,1I0ll of YO'" "gll's.
Undor fI". Act, YOII lUll ,,,,""ed,o,, tnUl,lOInty ~'flY"' lOlec'oslllo all yoUt "'OI'gng" lor III"ty(30J dlYs IIoUl fI," rlnfn 01 ""S NolleD.
DUI'ng flr"f IImll YOII nllIS' """"glJ aud ""flnd n "InclI,'o.I"c,," ntllflllllp with" '''I'"uOII'"IIvlt 01 'hi. Iflndtll, III ,,,/II, ,. dtulgm,'od
consumer ctldll coulI..IIl1g IIg.ncy. r". purpose 01 IIlls m,.lIng's '0 "".mpl '0 work out" "paym.n' pi"". or to oll,ofw/s. a.m, your
d.llnqu.ney. rhl. m..II"g mu,' occur '" (/.. ".., ,hl"y 1301 d.V"
"vou .1I.nd. f.c..lo-f.c. mo.llng wllh Ihl.l.nd.r, or wllh. con.um.r c,.dll coun.ollllg og.ncv Id.nllll.d In Ihl. nollc., no furlh.r
proc.edlnOI In mOrlo.g. for.clo,ul' m.v I.k. pl.c. lor Ihlrlv (30) d.V. .fI.r Ih. d.,. 01 Ihl. m..llno,
The names, addresses and telephone number of our rl'presentntlves8Ie:
1 homn5 ,I. Fv,'n~, ,1.'.
CENTRAL PENNSYlVANIA SAVINGS ASSOCIATION
100 WEST INDEPENDENCE SIl1EET, S\lAMOKIN, PA 17872
T.I.phon.Numb.r: 1717)844'0881
Th. n.m.(.) .nd .dd'."l'.) of C.I d..lgn.,.d con.umor cr.dll coun..llno .g.ncv(I..)I. (.r.):
VWI'^ fir rnl'II~I"
1111 n ~1."n'31
I'nl'11~1" P^ !'inn -LlJ 1) :.'~1-'1I11\
fll. only n.c....rv 10 .ch.dul. on. Inc.'lo.Inc. ",.ollng, You .hould .dyl..,hl.l.ndor Imm.dl.,.IV 01 your 11I1.nlloll.,
If YOII hnvo hied fInd nlo lInDbln 10 Il'!olvn 1Il1111 prohloll1 nl or nltnr your 'Aco.lo.fncn ,"nnllng, you havo tho right 10 nrply for flnanclRI
"ssls'ance ham Ihe Homeowners' Emergnllcy MorlgnA" ^~slsllmce Fund. In order 10 do this. you muslllll au'. Ilgn IIlId 11I8 II complel.d
Homeowners" Emeroency Alllllance Arrlllenllon wHh one of the designated consumer crudlt counsollng agencies IlslAd above. An
appllcallon for ,,"IIIIInc, may only bo oblnlnnd horn" consumer cfedll counseling agoncy. The consumor credit counsellnn egency
wlll...I., you In "'''ng oul vour .ppllcnllon n"d wlll.uhmll vour compl.l.d nppllc.lloo 10 Ih. P.nn.vlva"ln \lou.lng Flna"c. Ag.ncV,
Your .pplle.'lon mu,' b. lII.d or po.'m.r~.d wI/III" Ihlrly (301 d.y. 01 vour,l.c."o'l.c, m..llng.
",. .,'rlll"'Y Impor'.nl Ih.' Vall III. vour .ppllcnllo" promplly, "you do 001 do '0, 0'" you do no' lollow II.. olher """ perIod...,
lo"h In Ihl,'."er, loreclo.ure m.y pro...d .g./nsl YOllr hom.'mm.dl.,.,y .nd you will 10rl./1 vour .lIglblllly lor .,,','.n...
Avall.bl. fund. for em.rg.ncv morlgno. ...I.'nnc. .r. v.ry IImll.d, TheV will b. dl.bur..d by Ih. Ao.ncy und.r Ih. ellolblllly
c,II.,I. ..,.bll.h.d bV Ih. Act
III. eJr'temely 'mpor'It"' II"., your ItppllcllllolI/s ReCut"" and comp',,'e/n IV."", lespec'. The PennsylvllnlA IloulIlng Flnnnce Agoncy
h.. .lxlV (80) d.V"o m.k.. d.cl.lon all.r II r.c.l.n. vour .ppllc.llon, During Ihn'addlllon.'l1m., no lor.clo.m. proc..dlno. will b.
pursued .O.ln.' you II vou have 01.' Ih.llm. ,equ".m.nl. ..llorlh .bove, You will b. nollll.d dlrecllv bV Ihal AO.ocV 01 II. d.cl.lon on
vour .ppllc.llon.
Th. P.nn.vly.nl. Hou'lng Flnnnc. Agoncv 1,localod nl: 2101 NOllh Fronl SIr.." P,O, Box 8029, H.III.burO, PA 17105, T.I.phone
Number (717)780.3800 or 1.800-342.2391 (loll ".. numb.r),
o Enclo..d .1.0 I. 0 You h.v. ."eadV ,.c.ly.d 111 In .ddlllon you will r.c.lv. anolh.r 'nollc. Irom "". I.lld., IIndnr Acl8 of
1974, Th., nollc.l. called. "Nollc. of Inl.nllOlllo Fo'.clo...., You musl ,..d bolh nollc.., .Inc. th.V bolh .xplaln rlghl.1I1.' VOU now
have under Penn,ylvlmla Inw. However, If you choose 10 exercise your rights described In thll nollclt, Wit cann,,' foreclo.e upon you
during Ihal lime. ^'lIO, If you receIve flnRnelftl nnls'lInce from the Pennsylvenla .'oullno finance Agency, your home cannol be
foreclosed upon while you nre receiving IhallUlslstancB.
ftEMA "IV.t t/88
Vef"! 'lulV vours.
\1. .; l, 'w...a-.t ). . (I , ". .! l. .,'. .;
~~'J/JBtr II B " Tli'III.~..7.r.-r'l"/I~,.IJ':IIl:'"
rr:'r-,' ..
, IMPOnTANr: NOTICE., 1l0MEOWN~nS' EMEnGENCV MOnT GAGE AS 'ANCE ACT OF 19113,
PLEIISE nl1AD TIllS NOllCE, VOU MAV DE ELIGIDLE FOn FINANCIAL ASSISTANCE TO..,lnD voun MORTGAGE PAVMENTS,
RE: Account No, 11020U(i51
9[17. v~ 11 rv Sillnl
EllU 1 iI. I'^ 1707.r;-1 r.4 L
10: .JJl!WJ.!!JJLJ!i1~S__..~,_ ,~ - ..,.
FROM: CENTRAL PENNSVLVANIA SAVINGS ASSOCIATION
Oat.:
1/6/111\
You, morlgag." In ..rlou. d.'.ull boc.II'o you ha.. 'allod 10 pay p,omplly In.I.llm.nl. 0' p'lnclpaland Inl.,a.I. as ,.qulr.d, 'or a
po, lad 01 allo..t .Ixly (BOI day., TIm 10101 ornollnl 0' Iho d.llnquoncy I. $ -1..1\;1;1.70 , Thol .um Includo. Ih. 'allowing:
Jill" (11 mOllthl Y !la YlJIill I 1 of Mf.!I!ln two (;I) m01l1 hi v !laymonl ~ of M};' "11, 1I111~ 1..11'
ChnrUI!5 of $;lll.7n.
Vour mortg.g.l. 01.0 In d.loull la, Ih. 'allowing I...on:
(u..lhl. p.r.graph only II .ppllc.bl.'
You moy b. .IIglbl. '0' IInonclo/o"/"oneo 'h. I will plOvonl 'OIOC/O.UIO on you, mo,Igog.1I you comply wllh the p,o.I.!on. 0' Ih.
Hom.own.,.' Em.,g.ncy Morlgog. A..I.lanc. Acl 0' 1983 (Ih. "Acl"), Vou moy b. .lIglbl. lor .m.,g.ncy I.mpor.,y ...I.lonc.1I you,
d.'.ull h.. b..n cou..d by cl,cum.lonco. b.yond you, conlrol, ond II you m.ol the .lIglblllly ,.qul,.m.nl. 0' Iho Act.. d.I.,mln.d by
Ih. p.nn.yl..nl. Housing Flnanc. Ag.ncy, Pi.... ,..d.1I 0' Ihls Nolle., "conl.'III .n .xp/.n.,lon 0' you, ,/ghll,
Under Ih. Acl, you 010 .nllll.d 10 0 '.mpmoIY ,'oy 0' 'OI.C/OSUl. on YOUI mOllgog' 'or 'hl,ly (30) d.y. ',om fI,. d.,o 0' 'hi. Nollc.,
DUlIng 'hI' 11m. you mu,' ,,"lIl1g" end 1It1l1l1d " "'lIce.lo.'IIC." nllellng with. repre,.nflltlv. of thl. 'end.r. 01 with II design. led
con,umercredll counseling .g.ncy. TIll purpose 01 'hi, me.tlng" to .".mp' 10 WOlle out II ,.p.rm."' pllln, or to olh.rwl" .eW. your
d.llnqu.ncy, Th/. m..llng mus' occu, In 'h. nu' fI",Iy (30) d.y.,
II you all.nd. '.c..lo-'oc. mooting wllh Ihl.l.nder, 0' wllh . con.um.' clOdll coun.ollng ogoncy Id.nllll.d In Ihl. notlc.. no lu,th.,
proc..dlngs In mO'Ig.g. lo,oclo.u,. moy I.k. ploc. '0' Ihl,ly (30) day. afl., Ih. dol. 01 Ihl. m..llng,
Tho nnmes, nddrf'550!I And lolnphonn munhr.' 01 our ffll1rosonlnllvos AfO:
lhnll1n~ ,I. F.v~II~.,h',
CEN1RAL PENNSYLVANIA SAVINGS ASSOCIATION
100 WESr INDEPENDENCE SIRFEr. SIIAMOKIN. PA 17872
T.I.phon. Numb." 17171 844,0881
Th. n.m.(.) .nd oddr.os(.'1 0' (0) d..lgnol.d consum., c,.dll couno.llng ag.ncy(l.s,l. (.,.):
VIJf.^ or f.~I'lI~l"
.111 r, 'arl'"t
r.~rll~l" P^ 1101. 11111 'A._.R1R
II 10 only n.c....,y to .ch.dul. on. '.c.'lo.loc. m..llng, Vou .hould .d.I.. Ihl. I.nd.r Imm.dl.l.ly 01 your Inl.nllon..
II you h... t,l.d .nd 01. unobl. to ,.sol.. Ihl. probl.m at 0' .11., you, '.c..tO"OC8 m..llng, you h.v. Ih. ,Ighl 10 .pply lor IIn.ncl.1
...I.I.nc. from Ih. Hom.own.r.' Em.rg.ncy Mortg.g. Assl.l.nc8 Fund, In ord., 10 do Ihl., you must 1111 ouI, sign .nd fII. 8 compl.I.d
Hom.own.,o' Em.'g.ncy A..!.Ionc. Appllcollon wllh on. 0' Ih. d.olgnol.d consum.' c,.dll couns.llng og.ncl.. IIsl.d .bov.. An
appllcallon 'or aulalence me)' onl)' be obtRlned ham D consumer credll counseling agenc)'. The consumer credit counseling Igenc)'
wlll...lol you In '1II1ng oul you, eppllcallon .nd wllloubmll you, compl.l.d .ppllcollon 10 Ih. P.nn.ylv.nla Hou.lng Fln.nc. Ag.ncy,
You, .ppllc.llon muS! b. /II.d 0' po,'mo,hd wllh/II fI",'y (30) d.yo a' you,,'oc..I"'ac. m..llng.
If I. .,',.m.'Y Impo,'.nl Ihol you /II. you, oppllc.llol1 p,omplly.1I you do nol do '0, or II you do nol 'allow Ih. o,h., 11m. p.,/od...,
'o"h III 'h/.I.II"" 'o,.c'o.u,. m.y ploc.od ogo/n.' you, hom.'mm.dl.'.,y .nd you will '0"." you, .lIg/b//IIy 'or a,,/,'.nc.,
A..llobl. lunds ro, em.,g.ncy mo,Igog. osolsl.nc. 0'. v.ry IImll.d, Th.y will b. dl.bur..d by Ih. Ag.ncy und.r Ih. .lIglblllly
crllorla ..I.blloh.d by Ih. Act.
"/. .xl,.m.'y Imporlonl 'h. I YOUl oppllcollon Is OCCI/'o'. .nd compl.,./n ...'y ,.,p,cl. Th. p.nnsyl..nl. Hou.lng Flnonc. Agency
ho. slxly (BO) d.yo 10 mok.. d.clslon oil.' 1I,.c.l.o. your .ppllc.llon, During Ihol addltlonolllm., no 'o,.clo.u,. p,oc..dlng. will b.
pursu.d ogoln.1 you I' you hove mol Ih. tlm. ,oquh.monl. s.t 'orth ebo.., Vou will b. nollllod dh.clly by Ihol Ag.ncy 0' II. d.cl.lon on
your oppllcollon,
Tho P.nnoyl.onlollou.lng rlnonc. Agoncy 1.locolod el: 2101 No,lh F,onl SI,.ol, P,O, Box 8029, Horrl.burg, PA 11105, T.I.phon.
Numb.r (TI71780.38oo or 1.800-342.2397 (toll fro. numb.'I,
D Enclos.d .1.0 I. D Vall ho.. .I,.ody ,.c.l.ed 1\ In .ddlllon you will ,.c.I.. .nolh.r nollc. from Ihl. I.nd.r und., Act 8 01
1974, Thol nollc.l. c.lI.d. "Nollc. 0' 'nl.nllon 10 Fo'.clos..., Vou musl ,.od bolh noUc.s, slnc.lh.y bolh upl.ln ,Ights Ihol you now
have under PennsylvlnlalRw. However,lf you choolelo exercise your rights described In this nollce. we cennol 'oreclose upon you
during thelllme. ^'lIo. II you receive f1nnnclrtl IlsslslRnce 'rom the Pennsylvllnle Housing Flnenc! ^gency. your home cennot be
foreclosed upon while you arn recelv'ng thRt nsslstAnce.
E.XJ/IB II
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NOTliJr: OF INTENTION TO FORECLOSE Md",'GAGE
.---------------
TO' Kart! c C. (Jnss
, -YOrvaITey-Sti'iiiit
l:IIUI-a.-P1I1702!l-15ill
Ooto of Nolleo 1 /r,/"~
Loan No.
Iln,OIJIi!i1
The MORTGAGE held by CENTRAL PENNSYLVANIA SAVINGS ASSOCIATION
(herelnalter we, us or ours) on your property located ot ....!lOl...V.alley_Stt:cct
Enolo. PA 17025.1541
IS IN SERIOUS DEFAULT because you [rove nol made Ihe mon/llly paymenls ul $ 4'ill.1I11
for Ihe mon/lls of Nuvember' 1993 l\ J4 7? ,ILQ for December 1993 ,and ~n1!Qr.Y_JIJ!11.._._-,
and/or because
Late chorges and other charges have also accrued to this date In the amount of _$28,70 ' The total
amount now reffillred to cure this default, or In other words, get caught up In your payments, es of the date of this
letter, Is $ 1422,70 .
You nlay. cuen.lhis default within THIRTY (30) DA YS of the dale of Ihis le//er, by paying to us tllP. above amount
of $ 1J2~, IU , plus any additional moirthly paymenls and lale charge wlrich may fall due during Ilris
period. Such payment must be made either by cash, cashier's check, certified check or money order, and made at
CENTRAL PENNSYLVANIA SAVINGS ASSOCIATION, 100 WEST INDEPENDENCE STREET, SHAMOKIN. PA 17872,
-,
If you do not cure the default within THIRTY (30) DAYS, Wl1 intend to exercise our rigllt to accelerate the
mortgage payments, This means that whatever is owing on the original amount borrowed will be considered due
Immediately and you may lose the chance to payoff the original mortgage In monthly Installments, If full payment of
, the amount of default Is not made within THIRTY (30) DAYS, we elso inlend to instruct our atlomeys 10 slart a
lawsuit to foreclose your morlgaged property. If Ihe mortgage is foreclosed your mortgaged property will be sold by
I Ihe Sheriff to payoff /lIe morlg,'ge debt. If we refer your case to our attorneys, but you cure the default before they
begin legal proceedings egalnst you, you will still have to pay the reasonable attorney's fees, actually Incurred, up to
$50.00, However, If legal proceedings are started against you, you will have to pay the reasonable attorney's lees even
If they are over $50,00, AllY attorney's fees will be added to whatever you owe us, which may also Include our
reasonable costs, If you cll/e the defaull willlin Ihe IlJirly day period, you will not be required to pay atlomey's fees.
We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage,
If you have not cured the default within the thirty day period and foreclosure proceedings have begun, you sliII
have Ihe rigllt 10 cure ti,e defaull and prevent Ihe sale at any lime up 10 one hour before the Sheriff's foreclosure sale,
You may do so by paying /lIe tolalamount of the unpaid mall/My payments plus any late or otller charges then due,
as \Veil as lIre reasonable attorney's fees and coSIS connecled witll the foreclosure sale and perform any other require.
menls under tIre n!orlgage. It is estimated that the earliest date that such a Sherlll's sale could be held would be
approximately 3f\ /94 . A notice of the date of the Sherlll sale will be sent to you before the sale. Of course,
the amount needed to cure the default will Increase the longer you wait, You may find out at any time exactly what
the required payment will be by calling us at the following number: 17171644.0861 . This payment must beln cash,
cashier's check, certified check or money order and made payable to us at the eddress stated above,
You should realize that a Sheriff's sale will end your ownership of the mortgeged property and your right to temaln
in it. I f you continue to live In the property alter the Sherl1f's sale, a lawsuit could be started to evict you.
You have additional rights to help 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 DEBT. YOU MAY HAVE TIlE RIGHT TO SELL OR
TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL
ASSUME TilE MORTGAGE DEBT, PROVIDED TIIAT ALL TilE OUTSTANDING PAYMENTS, CIIARGES AND
ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT TIlE OTIIER REQUIRE.
MENTS UNDER TilE MORTGAGE ARE SATISFIED, CONTACT US TO DETERMINE UNDER WIIAT CIRCUM,
STANCES TIllS RIGHT MIGHT EXIST. YOU ItAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY
THIRD PARTY ACTING ON YDUn BEIIALF, YOU ItAVE TIlE RIGIIT TO ASSEnT IN TItE FOnECLOSURE
PROCEEDINGS THE NON,EXIS1ENCE OF A DEFAULT OR ANY OTHER DEFENSE YUU MAY ItAVE TO
ACCELERATION OR FORECLOSURE.
If you cllre Ihe defalllt. the /IIOrlg,1ge \Viii he reslored 10 the same posilioll as if 110 defaull/rnd occtlfled, Itowever,
you are not entitled to this right to cure your delault 1110re than three times In any caler~dar year,
fiXH IBIT 'Ie" ov'~~L~,::- ".eLL .', , _.'
Ihnmn,' 'J, Evnn..;,lr/'lIhrl
, I .
NU I f(:i!'ur IN I EN'1'10N TO FORECLOSE MOll'lGAGE
--.---
TO: _Cl1l1onl.li.lJas~, '
_IDlL'Lo. 19Y.~lt:ccl, .
Enolo,.J'A,J 702!i-1 !i41
Oe'o 01 Nolleo ,J /6/9.4
Loo" No,.J 1020U651___
Tho MOIITGAGE hold hy CENII'AI. "ENNIIYLVAN'^ SAVIN~S ASSOCIATION
~~orolnnltor wo,~'lnrounllln YOIII plOp'" Iy hJ(:ntn~I_~I_:._~~~E~-W-~~o~~~mr
IS IN SEIIIOUS DEFAULT 11I1I.'nmll Ylllllwl-O mIl /IIntlo 1111I //Jail/My paY//JI!/Jls of $ -4~OTl)I'
for 1110 //Jail II,s af .NlIvclIIl1C1' I !J!l3 ,. 412.llV for.lJocemhnr-,.199l-, alld _J.lI1l1nr.y-1 DU4.
amllor bocallso _~___~___ ...--
Lnle chorge'- elld ;;ii~o-;-cl'l;r-u~~-i;nvo nl;;;;e~r.,;~Xi~ Ihll dnlo Inlhe nmounl 01 $2!J:7U , The 10101
nmoulIl now required '0 CUIO thll dolnull, or 111 IIlher words, gel coughl up In your poymenls, as 01 Ihe dale of Ihls
leller, Is $ __1-422..70,. --.- ,
YOII//Jny ell/O 111I5 II0fmlllwltlllll 1111nry (.10/ 0/1 YS of 1110 11010 of IMs lol/or, by pRying 10 us IIIe above amollllt
of $ _IAZZ..lU._,. ... _, pillS 01111' ntlllilirJllnl//Joi"My pOY//Jents and 10 Ie ellOrge wl,icll mny fall due during tllis
poriotl, Such pnYl1lonl musl he mnde ollh", hy cnsh, cnshlor's check, certified check or money order, and modo at
CENTRAL PENN8YLVANIA 8AVIN08 A8S0CIATlON, 100 WEST INDEPENDENCE STREET, SItAMOKIN, PA 17872,
If you do 1101 cure the de Inuit wllhln TIlIliTY (301 DAYS, Wl1 iII/end 10 exercise our rigl,t to aecelerole the
//JortgRgo pnY//Jonts, This l1Ienns thot whntever Is owing on tho orlglllal amoullt borrowed will be considered due
Inulledlolely nnd you mny loso Iho chnnco 10 pny 011 the orlglnalll1orlgago In monlhly Inslallmenls, If full payment of
Iho omounl of dofnull Is nol mnrlo wllhlll TIlIliTY (30) DAYS, wo elso intend 10 instrllet ollr al/omeys to start a
Inwlllit ta fOloelllSo YOllr //Jill tg"gotl'IlOPP.l/y, If 1110 //JorlgogO is foroelosed YOllr //Jortgoged property will be sold by
I1le SIIeriffto poy aff tllo //Jortgngo 110M, II wo rolor your case to our allorneys, bul you cure the default before Ihey
begin legal procoodlngs nllnlnsl you, you will sll1l havo 10 pay Iho reasonable attorney's fees, aclually Incurred, up to
$60,00, Ilowever, IIlollnl procoOllllllls nro slnrled nllolnsl you, you will have to pay Ihe reasonable attorney's fees even
II Ihoy nro over $60,00, AllY nllllllloy's lees will ho added to whalovor you owo us, which may also Include our
.rensonnble COSII, " Ylm CillO IIIe dolnlllt WilMII tllo /lIirty day porial/, YOII will IIOt be required to pay attorney's fees,
Wo mny nlso suo you personnlly lur Iho UlIllRhl prlnclpnlbalance allll all olher sums due undor Ihe morlgage,
11 you hnvo 1101 cUlm! Iho delnull within Ihe Ihlrly day pl!llod and loroclosuro proceedlnlls hnvo begun, YOII still
IIov6 /110 riglltlll CillO /110 Ilofalllt aml,lflwoIII /I/O snle at allY time upro aile hOllr before tire SIIeriff's foreclosure sale.
YOII mny do !II by (lOyillg lira tolnl nmO/lllt of tlro III1(loid momMy (laymems plus OilY late or otl/er clrarges tlloll due,
0$ well as lire lon$ollable al/af/lny's fevs ami I;OStS COlli lee led willr tire foreclosllre $sle olld perform allY otlrer roquire.
IIIellts 1I11110r tllO III/IIlgago, II Is eslhnalml Ihol the oorllosl dale Ihal such a Sheriff's sale could be held would be
apllloxhnalaly,., .3/1 /94 _ _ ,_ A nolleo 01 Ihe dale 01 Ihe Sheriff sale will be senllo you before Ihe sale, Of course,
Iho nmounl lIeoded 10 cure Iho defnull will Inc/oase Iho longor you wall, You may find out 01 any time oxaclly whal
Ihe rOl\ulrer11lOymont will ho hy cnllhlllllS nt Iho lollowlng number: 17171844.0881 , This poymenl musl be In cash,
cashier's check, corllfled chock or nllllley order end modo payable 10 us at Ihe address slalod abovo.
YOlllhould ronlllO Ihal a Shorlff's snle will end your ownership 01 Iho morlgagod properly and your right to remain
11111. I f you conllnue 10 live In Iho properly niter Ihe Sheriff's solo, a lawsull could be Slarled 10 evict you,
You hnvo oddltlonnl rlllh's 10 holp plolecl your Inleroslln Ihe properly, YOU HAVE THE IIIGHT TO SELL THE
PIIOPEIITY TO OBTAIN MONEY TO PAY OFF TilE MOIITGAGE DEBT, OR TO BORIIOW MONEY FROM
ANOTIIEII LENDING INSTITUTION TO PAY OFF TillS DEBT, YOU MAY HAVE TIlE IIIGHT TO SELL OR
TIIANSFEII TilE PIIOPEIITY SUBJECT TO TIlE MOIITGAGE TO A BUYEII OR TIIANSFEREE WHO WILL
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