HomeMy WebLinkAbout94-01141
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNlY, PENNSYLVANIA
CIVIL ACTION..MORTGAGE FORECLOSURE
FEDERAL HOME LOAN MORTGAGE
CORPORATION
Plaintiff,
vs,
GREG L. ANDERSON, KAREN D.:
ANDERSON, DORIS J, ANDERSON,
individually and as heir of
BLAKE E. ANDERSON, JR,
and THE UNITED STATES OF AMERICA
Defendants.
No, 1141 Civil 1994
DATED: March to, 1995
PLANK
PIWlCII'E
TO THE PROTHONOTARY:
Please tile the attached copy of the Order Granting Relief from Automatic Stay Under 11
U.S,C, !i 362(a) dated January 17, 1995.
By:
rmlfor J, Harris
Attorneys for Plaintiff
140 East King Street
Lancaster, PA 17602
(717-392-4131)
Atly, Id, No. 34393
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ION 01:45 FAX 3J8 231 4841
01/JI/8S 18:35 tt717 233 1148
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DEFAl'LT ~002
PlIJICELL LA' OFF, ..... GIlA GIlAc FeLSII ~003l007
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IN RE.
IN 'j'lIt UNITED S'/'^'rES B^NKRUI'1'CY COURT
FOR Tilt MIDDLE IlJSTRICT OF PENNSYLVANIA
GREG L. ANDERSON
KAREN D. ANDERSON
Debtor.
IN BANKRUPTCY
FEDERAL HOWE LOAN
MORTGAGE CORPORATION
Movant
:
CASE NO r-" _1-Q4_Q).37.7"... '"_
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DAUPHIN DEPOSIT B^NK
AND TRUST COMPANY
Hovant
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VS.
GREa L. ANDERSON
KAREN D. ANDERSON
DebtorS-ReSPondents
,
CHARLES J. DeHART, III. ESQUIRE
Trustee-Respondent :
ORDtR
At Harrisburg. this 1'1 J-j day oE -'}a. .. ~ P
AND NOli. upon l:onSi~e:atlon ot th~tlPU.llltiC!A or
heretofore in the above matter. it is hereby,
ORDIRED that the prOViSions of the StiPUlation are hereby apprOved
. 1995.
Parties rUed
and COnfirmed, and the Automatic Stay is 'hereby modified and terminated
as prayed for in the MOtions to HOdify heretOfore tiled by Federal Home
Loan MOrtgage CorpOration and Dauphin DepOsit Sank an~ Trust Company.
By the COurt:
. ,." ",\ i~. :
;
~ob8rt J. Woodside,' 'nkruptl:Y JUdge
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IN TilE COUll'!' 01" COMMON 1'L1~AS OJ<' CUMIJERLAND COUN1Y, PENNSYLVANIA
Civil Acllon..Mortllnge Foreclosure
FEDERAL I'IOME LOAN MOIlTOAGE
CORPORATION
Plnintlff.
vs.
GREG L, ANDERSON. KAllEN D. ANDERSON;
DORIS J. ANDEltSON, imllvidunlly nnd ns heir of:
BLAKE E. ANDERSON. JR. 11m!
THE UNITED STATES OF AMERICA
Dcfemlnnls.
No, 1141 Civil 1994
~orRIMCE
J. We. GOING & PLANK, arc the lIuorneys for Plaintiff in the above-captioned action,
2, In nccordunce with npplicllhle Pennsylvnnia and Federal laws, rules, and regulations, we caused
n "Nolice of Sale of Property Suhjectlo Federul Tax Lien" to be mailed and served on May 10, 1995 by
cerlllied Illnil, return receipt relluested, restricted delivery, and addressed to District Director, Internal
Revenue Service, lion Arch Slreet, Philadelphia, Pennsylvania 191Oli, ATIENTION: Chief, Special
Procedures Section. A true IInd correct copy of said Notice is attached hereto as "EXHIBIT A" and
incorporuted herein by reference.
3, The sender's receipt for snid Notice is attached hereto us "EXHIBIT B" und incorporated herein
by reference,
4. SlIid Notice wus received hy snid District Director, or his authorized ugent, on May 12, 1995,
as evidenced on the executed return receipt card uttached hereto as "EXHIBIT Coo und incorporated
herein hy reference,
We verify lhnt the slutements mude in lhis Aftiduvit ure true uml correct to the best of our
knowledge, inforll1ution, or belief. We understund that false stutements herein ure mude subject to the
penullies of III PII,C,S. ~ 4lJ04 relating to unsworn falsilication to authorities,
DATED: June I. 1995
GOING
By: ()
Bn~~~ arris (I.D, No, 34393)
Auo"wys for I'll/illliff
140 East King Street
Lancuster, PA 17li02
(717) 392-4131
"",.;",,"..~'/<'f
ngI'ICI! C1fISId p CIP rMn"J:A,lr SOBJI!C[ TO r~ TAX........
TO: District Director
Internal Revenue Service
600 Arch Street
Philadelphia, PA 19106
ATTENTION: Chief, Special Procedures Section
FROM: Bradford J. Harris, Esquire
Going & Plank
140 East King Street
Lancaster, PA 17602
(717) 392-4131
DATE: May 10, 1995
RE: FEDERAL HOME LOAN MORTGAGE CORPORATION
GREG L ANDERSON, KAREN D. ANDERSON, DORIS J. ANDERSON, Individually and as
heir of BLAKE E. ANDERSON, JR, and THE UNITED STATES OF AMERICA No. 1141 Civil
1994
(Mortgage Foreclosure Action)
1. GOING & PLANK, 140 East King Street, Lancaster, Pennsylvania 17602, who
represents the execution creditor, Federal Home Loan Mortgage Corporation, In the above-
captioned action, gives this Notice to the District Director In accordance with appllcllble
federal laws and regulations relating to discharge of federal tax liens,
2, A copy of the Notice of Federal Tax Uen (Form 668) Is attached hereto as "Exhibit
A" and Incorporated herein by reference. The Notice Indicates the following:
A. The Internal Revenue District Involved Is Philadelphia, Pennsylvania. '
B. The taxpayer's names are Greg L and Karen D. Anderson, and their resi-
dence Is 4103 Clubhouse Drive, Mechanlcsburg, PA 17055-7622,
C, The Notice was prepared and signed at Philadelphia, Pennsylvania on or
about September 21, 1992 and was filed In the Prothonotary Office,
Cumberland County Courthouse, Carlisle, Pennsylvania, on or about Septem-
ber 24, 1992 to Docket No. 6586 FTL-92.
3, A copy of the Notice of Federal Tax Uen (Form 668) Is attached hereto as "Exhibit
B" and Incorporated herein by reference. The Notice Indicates the following:
-1-
Ex/Ub;I-,4
A The Internal Revenue District Involved Is Philadelphia, Pennsylvania,
B. The taxpayer's names are Greg L and Karen D. Anderson, and their resi-
dence Is 4103 Clubhouse Drive, Mechanlcsburg, PA 17055-7622.
C. The Notice was prepared and signed at Philadelphia, Pennsylvania on or
about December 20, 1993 and was filed In the Prothonotary Office,
Cumberland County Courthouse, Carlisle, Pennsylvania, on or about December
30, 1993 to Docket No, 7003-FTL-93.
4. A thIrd federal tax lien was flied agaInst Greg L & Karen D. Anderson as follows:
A The Internal Revenue District Involved Is Philadelphia, Pennsylvania.
B. The taxpayers names are Greg L & Karen D, Anderson, and their residence is
4103 Clubhouse Drive, Mechanlcsburg, PA 17055-7622,
C. The Notice was filed in the Prothonotary Office, Cumberland County Courthouse,
Carlisle, Pennsylvania, on or about August 12, 1994 to Docket No, 4560-FTL-1994
In the amount of $6,569.16,
5, The Information relevant to the execution sale to take
place Is as foliows:
A The property to be sold Is located at 4103 Clubhouse Drive,
Mechanlcsburg, PA 17055. A copy of the legal description for said property
Is attached hereto as "Exhibit C" and Incorporated herein by reference. A title
abstract regarding said property Is attached hereto for your Information as
"Exhibit D" and incorporated herein by reference,
B. The proposed sale of said property Is to take place at 10:00 a,m, E.S.T.
on June 7, 1995, in the Commissioners Office, Cumberland County Court-
house, Carlisle, PennsylvanIa, The terms of the proposed sale are contained
in "Exhibit E" attached hereto and Incorporated by reference.
6. The approximate amount of the principal obligation, Including attorneys fees and
interest through the sale on June 7, 1995, secured by the mortgage lien sought to be
enforced Is One Hundred Eighty-One Thousand Four Hundred Thirty-Nine and 461100 dollars
($181,439,46). A description of other expenses that may be charged agaInst the sale
proceeds, the exact amounts of which are unknown at this time, are as follows:
A Prothonotary judgment costs,
B, Prothonotary execution costs,
-2.
C. Prothonotary satisfaction costs.
D. Printer expenses,
E. Deed recording fees.
F, Sheriff fees and costs.
G. Postage (for mailing Notice, Handbill, etc.).
H. Sheriff commission (two percent on the first $250,000 and one-half percent
on the balance).
I. Sheriff title search (If any),
If you have any questions regarding this Notice, please Immediately contact Bradford
J. Harris (or our foreclosure paralegal, Theresa Rinehimer, In his absence) at our above
address and phone number.
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BEING THE SAME PREMISES WHICH S & A Custom Built Homes,
Inc., a Pennsylvania corporation, by. deed dated February
. ,... ,,;. 22, 1990, "nd recorded. March..2, ,1990 ,in .the Cqmberland... ;,. .'
::._ :',:,.'. " : '. ...:::count.P!o~corderis:::Of~!ce. ~in :',Oe~d:.~<5o~:: Ii..3.4~;:':pa9e,,3S i..:"..: ,,:;... ,..~,:,.
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~ ~:~.:.'~ .'::. . :' ." ' ....,o .. ..~t~,.::~-:,'::.'.(;~~:~"~:"~r;!"~.\.J~;~.~'Y~""&;"':'::" :,.....t;....'....,...{/.. . ..:'.:.: .:'t. ,~:~.. .:. :.......: ;:... ~~. ~ '';.:''4'
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........ ..'~ .:. ..,. .:...1. :.'....f:...:.~;."...;.to-.........., ....,:.:;........::....!....I....;:...",...:..: .,1.' ......~.........:.
" .' .......l.........'t......,~...~:..:..i..:,.:.~"..._'t......~~.;: ,,:".~. ":..... .,t'; ......:..."'. ......... ....
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-. ... ..- ~..., -' ..'...... .. _... - .." -
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12. NonCE: Procedures for proposed Sberiff'1 Sale 10 be produced for review by Ihe company and any additional
objectiol1l by reason Ibereof 10 be certified.
~3.
vY15.
116.
,l17.
r'
J 18.
.
,
ntle No. 100%
. ,
, .
SCHEDULE .C.
Conditions and requirementS: IJens 10 be sallsned or released; olber obJecJlons 10 be tanO,ed at
or prior 10 settlement, b1''''' bU1er, stlJer or ,heir npl'tSenlaJivet.
I. Uens and defecll inlelVua belweeD Ibo dale hereof and Ibe limo of recordina of 1os11U1IltII1I crulina inlereallto
be Iosurod. I
2. Terms and conditions of any uIIrecorded Illretlllellll or leases and ten&llcy of preseot occupanIJ,
3. Any variation in Ioca\ioo and dillltllSiol1l, conflicts in boUDcWy linea, eocroachmeots, overlapl, e&Sellltllts Dol of record
and any olber objectiol1l which IlIINey mado iD accordance wilb .Mioimum SlIDdarcI Detail Requiremeoll for Laod
Tillo SurveYI U adoplecl by American Laod Tillo AssocladoD and American CoDllrell on Surveyina and Meppin.'
would diaelose.
4. Uabilily for claims for worlc dono or malerill furnished for which a Iieo mI/:bt be liIed.
5. Payllltllt of all liller, charger, and assessmeots levied and/or assessed Igainst tbe subject premises, which are due and
payable.
6. PlOOf wt: I
.. All pardee \0 Ibe IrIIIsecdcID are of full ago and legllly compeleol.
b. PlYllltllt of purchase price and/or IOOrt/:elo money has beeD made.
c. PaYlDOllt of Scheduled Premium has beeD made.
7. Proper exoculion, delivery and recordinll of documents cvidencioll interests 10 be insured.
..~-
8. Pholo ideolification will be required el sclllcment.
9. PlOOf wt thil IrIIIsection il Dot wilhio Ibe Bankruptcy or Jnsolveocy Act.
10. NOnCE: 1993 Real Estate Atlas shOWI property assessed as: Till Map No. 18-1314.114 Total Assessmeot $18,590.
11 Sprioll Till for 1994 and School Till for 1993-94.
.. '.
MORTGAGE: $145,000,00. Grell 1.. and Kareo D. Anderson and Bla1ce E" jr. and Dorill. AndcrsoD 10 GMAC
Mortllalle Corporation ofPA dated 2123/1990 and recorded 3/0211990 iD Book 968, PIgo 272. ASSIGNED 10 Feder1l
Homo Loan Mortplle Corporation 5/24/1993 iD Book 44, Palle 1018.
MORTGAGE: $38,210.40 - Grell 1.. and Karen D. Anderson to Dluphin Deposit BanIt '" Trust ColDp&lly (213
Marlett Street. Harrishlll'J, PA 1710S) daled 5123/1990 and recorded 6/111990 iD Book 979, Pille 126.
IUDGMENT: $11,981.06. Ham/lloo Bank (1097 ColDIDCrcial Aveoue, East Pelersburll, PA 17520) VI Grell 1.. And
XareD D. AndcrsoD liled12l24/19911o No. 3976.cIV-91.
FEDERAL TAX LIEN: $19,052.75- IRS VI Grea 1.. and Kareo D. AndersoD liIed 9/24/1992 \0 No. 6586 rn,-92.
IUDGMENT: $1,380,34. Bureau of Compliance VI Grell 1.. and XareD D. AndersoD liIedl219/1993 to No. 3894-
CJV-93. (BureaU of Calpliance,Dept. 280946,Harrisburq,PA)
FEDERAL TAXUEN: $5,879.16. IRS VI Grell 1.. and Keren D. AndersoD filed 12130/1993 to No. 7003-FJ1..93.
C Conestoga litle Insurance Co, 1992
el<I-\1'" Iii "
(. , -'-'-'~'"
Title No. 1002
.f If
SCHEDULE "D.
TIM rouowlna IIems wliJ appear III aceptlons under Schedule "D" or Title Pollq or TliI. Polldes to be Iaued,
UDlca dared to 1he aJlsl'actloa or Ihe Company.
,
I
J
I. Maltcn Ibowa lIIIder acbedule 'C' or lhIa BIDder aod Dol RlDOved or ellmlnaled al or prior 10 acltlemeal.
J 2. SeI-baclt linea, coaclltlODl, aod crcm=1I U shown OD SulHlivllioD Plao Book 55, Pa,e 68 aod Miac. Book 365, Pa,e
it. 728.
~\1I1. I,
. A~R1,bll JlmlIod 10 Hampden ToWlllhlp Sewer Aulhorily U lei forth iD MllCe1laollOUI Book 348, Pa,e 101P.
V4. R1,bll JlmlIod 10 PCDIIJ)Ilvaala Americao Waler Co. u lei forth ID MiscellaollOUI Book 348, Pa,o JOIP.
~. R1,bll,1'ID1od 10 PP&L aod BeU Telepbono Co. of PA u lei forth iD Misc. Book 350, Pa,o 430.
..,~-
I
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. ,0
o Conestoga ntle Insurance Co. 1992
. . ;
CONESTOGA TITLE INSVRANCE CO.
123 East Kine SJrecl
Lancaster, PA 17602
,
I, INVOICB
TO: Bradford 1. Hams, Esq.
140 East Kin& Slreel
Lancas1cr, PA 17602
Dale: AugUSlll, 1994
RE:
...~-
CTIC File No. 1002
I
MortPlm{s): GreJ'L. and Karen D. Anderson
Search
$50.00
TOTAL
$50.00
)! NEW: $163,494.44. Federal Home LoaD Mortp&e CorporaUoD TS CI'eI L. lUIdKarea D.
ADdersoD aDd Doris J. Anderson alld USA OD a Complalat rued to No. 1141 CIV 1~.
Writ Issued 6115/1994.
.. /)$1,2.22.35 . CommODWealth or PA, Bureau or COl1JpllaDce '5 Cree L. lUll! Karen D.
Y i AndersollllJed 5/2611994 to No. 2826 CIV 1994.
~y
Please retura ODe copy or fD,olce with your payment. 'IbaDk you.
TOTR.. p.et
.
CONFSTOGA Tll1..E INSURANCE CO.
123 East KIng Street
Uneaster. PA 17602
,
I,
INVOICE
TO: Bradford 1. Harris, Esq.
140 Bast King Street
Uneaster, PA 17602
Dale: May 10, 1995
RE: CI'IC File No. CTIC 1002
Mortpgor(s): ^,,*son
...~-
Search
$SO.oo
TOTAL
550.00
"'.,.
NEW: $6,569.16 - Federal Tax IJen In favor of the United States vs KnreD :po AadersoD
8/12/1994 to No. 4560 FTL 1994.
Please mum ODe cop>, of Invoice wltb your pa)'lllent. Thank you.
my-10-199S 09:07
TOTA.. p.el
p.et
t 717 299 6994
97"/.
. .
.
R. THOMAS KUNE
Shlllff
HORACE A. JOHNSON
Solicitor
QlIUZl"II'~
I , ~
!I.\ gt
~l~'
RONNY R. ANDERSON
Chl., Deputy
AUDREY 0, ADAMS
RII' EII.I. Depuly
,
OFFICE OF THE SHERIFF
Court House
Carlisle, Pennsylvania 17013
';'1.\.0- ~3qo
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TERMS
As lOOn U Ihe proplrlY Is
knocklld down 10 a purchuer.
10% oIlhe purchue price or
II COIl. whlchllVtl mil)' be
higher. Ihall be dellv.rlld 10lhe
Shll/ll. II the 10% plylllent Is
nCll made U reques1l1d, Ihe
Sh.r/lI will d~ecllh. auctioneer
10 resea the properlY.
Th. balance due lI1aIJ be
paid 10 Ihe Shll/ll by NOT
LAlCR 'lliAN ""'OoW. JIJ,JE q;
I'\qS' III 4:00 P.M,. PrlVllllng
lime. Dlherwtse II money pr.
vloully palc:l wUI b. lorf.alld
and lfle orooenv wiD b. rHOId
on ".JNG "-& .l'l~S l'lA>~.....
PrlV..'il!'ll lime In Ihe Cumber.
land COUnty Sherlll'. 0IIIc1
Coull HouSl. CarIlsI., PA.
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eee 762 734S
I'RY-12-1995 12:00
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~ Receipt for
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::;;;; Do not ule for Internltlonll Man
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUN1Y, PENNSYLVANIA
CIVIL ACTION--MORTGAGE FORECLOSURE
FEDERAL HOME LOAN MORTGAGE
CORPORATION,
Plaintiff,
vs,
No, 1141 Civil 1994
GREG L. ANDERSON, KAREN D.
ANDERSON, DORIS J. ANDERSON,
individually and as heir of BLAKE E,
ANDERSON, JR., and THE UNITED STATES
OF AMERICA,
Defendants,
AmDAVIr O.IEIlVICE O. HonCU O. 8H........... .AlE O. D'AL PIIOnoKlY
,1
I. We, GOING & PLANK, are the attorneys for Plaintiff in the above-captioned case, and as such,
are and were authorized to execute this Affidavit and effect the actions hereinafter described.
'!
2, In accordance with Pa,R,C.P, 3129,1 el self" we mailed by ordinary first class mail copies of the
Notice of Sheriff Sale of Real Property in the above-captioned matter, which Notices (exclusive of the
legal description of the real property attached to said Notices as an exhibit) are attached hereto as
"EXHIBIT A" and incorporated herein by reference, to the persons and on Ihe dates respectively
enumerated in said Notices,
:j
Ii
1
'I
"
['
I
,
II
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3, Said legal description of the real property attached 10 each of said Notices is attached hereto
as "EXHIBIT B" and incorporated herein by reference,
4, The U.S, Postal Form 3817 Certificate of Mailing for each of said Notices is attached hereto
as "EXHIBIT C" and incorporated herein by reference,
5, Our return address appeared on the envelopes for each of said Notices and as of the date of
this AffjQavit, the following checked paragraph is applicable:
Q9 None of said Notices were returned to us.
~
J
o None of said Notices were returned to us except those attached hereto as "EXHIBIT 0" and
incorporated herein by reference.
We verify that the statements made in this Affidavit are true and correct to the best of our
knowledge, information, or belief. We understand that false statements herein are made subject to the
penalties of 18 Pa,C,S. ~ 4904 relating to unsworn falsification to authorities,
,I
i'
r
f:
1.:
DATED: May 3, 1995
C}emp & PLANK
J3y: ~{I/!.J ).;~
)C'~ Bradford J, Harris (1.0, No, 34393)
AI/orne}'.\" for Plaillliff
1411 East King Strcet
Lancaster. PA 176112
(717) 392-4131
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUN1Y, PENNSYLVANIA
CIVIL ACTION..MORTGAGE FORECLOSURE
FEDERAL HOME LOAN MORTGAGE
CORPORATION
Plaintiff,
vs,
GREG L, ANDERSON, KAREN D,
ANDERSON, DORIS J, ANDERSON,
individually and as heir of
BLAKE E, ANDERSON, JR.
and THE UNITED STATES OF AMERICA
Defendants,
No, 1141 Civil 1994
NanCE OF 8IIERIFF SALE OF IlEAL I'KOnJdY
TO: GREG L. ANDERSON
4103 Clubhouse Drive
Mechanicsburg, P A 17055
KAREN D, ANDERSON
4103 Clubhouse Drive
Mechanicsburg, PA 17055
DORIS J, ANDERSON
individually and as heir of
BLAKE E, ANDERSON, JR.
4103 Clubhouse Drive
Mechanicsburg, PA 17055
U,S, ATIORNEY GENERAL
The United States of America
Washington, D.C, 20013
BUREAU OF COMPLIANCE
COMMONWEALTH OF PENNSYLVANIA
Dep\. 280946
Harrisburg, PA 17101
U,S. ATIORNEY, MIDDLE DISTRIcr
Federal Building
228 Walnut Street
P,O. Box 11754
Harrisburg, PA 17108
DAUPHIN DEPOSIT BANK
& TRUST COMPANY
213 Market Street
Harrisburg, PA 17105
HAMILTON BANK
1097 Commercial Avenue
East Petersburg, PA 17520
INTERNAL REVENUE SERVICE
District Director
600 Arch Street
Philadelphia, PA 19106
Aun: Chief, Special Procedures Section
TAD NanCE that on June 7, 1995 at 10:00 a.m, (prevailing local time), the Sheriff of
Cumberland County, Pennsylvania will sell the real property, together with any home and all other
improvements thereon, that is located at 4103 Clubhouse Road, Mechanicsburg, Cumberland County,
Pennsylvania 17055. The real property is more fully described in the attached legal description, which
is incorporated herein by reference, This sale will take place at the Cumberland County Courthouse,
South Hanover Street, Commissioners Hearing Room, 2nd Floor, Carlisle, Pennsylvania 17013, The
-1-
0.1v6, r A-
owners or reputed owners of the real properly lire as follows: GREG L, ANDERSON, KAREN D.
ANDERSON, DORIS J, ANDERSON, individually and as heir of BLAKE E, ANDERSON, JR.
This sale is being held pursuant to a writ of execution issued on the JUDGMENT entered in
favor of the above Plaintiff and against the above Defendant(s), which judgment is indexed to the
above docket number in the above Court of Common Pleas,
A SCHEDULE OF DISTRIBUTION showing who will receive the proceeds of the sale will be
posted in the Sheriffs Office within thirty (30) days after the sale date, and distribution of the sale
proceeds will be made in accordance with the Schedule unless you or someone else objects to the
proposed distribution by filing exceptions to it within ten (10) days after the posting of the Schedule,
Information about the Schedule of Distribution may be obtained from the Sheriffs Office,
YOU MAY HAVE A LIEN Oil OIlU!;K INTEIlEST IN 11IE ABOVE PIlOBK'1Y. Anv lien or
interest vou have in the above property may be forever lost or otherwise imoaired if you do not
prompt Iv take action to orotect such lien or interest. You may have legal rights to prevent any lien
or interest you have in the above property from being lost or otherwise impaired, For example,
before the Sheriffs Sale, you may file a petition with the above Court of Common Pleas in order to
open or strike the above judgment, or to stay or set aside the Sheriffs Sale, if you feel you have a
defense or objection to the judgment or the execution procedures used, or for any other proper
causes, After the Sheriffs Sale, but before delivery of the Sheriffs deed to the real property, a
petition to set aside the Sheriffs Sale for a grossly inadequate price or for any other proper causes
also may be filed with said Court. You also may have the right to free legal help, A lawyer can
advise you more specifically of these and other rights you may have regarding the above matters, If
you wish to exercise your rights, however, vou must act promptly or vou mav lose such rights,
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOW-
ING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP:
Court Administrator
Cumberland County Courthouse
4th Floor
Carlisle, PA 17013-3387
(717) 240-6200
DATED: March 10, 1995
.
By:
I ~
Br 'or~. Harris
Attorneys for Plaintiff
140 East King Street
Lancaster, PA 17602
(717) 392-4131
Attorney I.D, No, 34393
-2-
ALL THAT CERTAIN lot of land and real estate, being Lol16 shown on that certain Prelimi-
nary/Final Subdivision Plan for Golfview referred to in the within instrument, in Hampden Township,
Cumberland County, Pennsylvania, more particularly bounded and described in accordance with said
PreliminarylFinal subdivision Plan as follows:
BEGINNING at a point on the easterly edge and right-of-way line of Clubhouse Drive, which
beginning point is on the westerly end of the common boundary line between Lot 16 herein described
and Lot 15 of Golfview situate to the south thereof; thence along the easterly edge of Clubhouse Drive
along a curve to the right an arc distance of 11.83 feet to a point; thence along the easterly edge of
Clubhouse Drive, North 25 degrees, 09 minutes, 50 seconds West, a distance of 70.56 feet to a point;
thence along a curve to the right, an arc distance of 29,71 feet to a point; thence along the southerly
edge of Clubhouse Drive North 59 degrees, 56 minutes, 15 seconds East, 120,04 feet to a point; thence
along the common boundary line between Lot 16 herein described and Lot 18 of Golfview, South 29
degrees, 20 minutes, 38 seconds East, a distance of 100.01 feet to a point thence along the common
boundary line between Lot 16 herein described and Lot 15 of Golfview, South 59 degrees, 56 minutes,
15 seconds West, a distance of 142,28 feet to a point on the eastern side of Clubhouse Drive, the point
of BEGINNING,
BEING THE SAME PREMISES which S & A Custom Built Homes, Inc, a Pennsylvania Corporation,
by deed dated February 22, 1990 and recorded March 2, 1990 in the Recorder of Deeds Office in and
for Cumberland County, Pennsylvania in Deed Book L-34, Page 35, granted and conveyed unto Greg
L. Anderson and Karen D, Anderson, his wife and Blake E, Anderson, Jr, and Doris J. Anderson, his
wife, Joint Tenants with the Right of Survivorship as Between the Married Parties,
, Tax Map No, 18-1314-114
. Seized in execution under Judgment No. 1141 Civil 1994 in the Court of Common Pleas of
Cumberland County, Pennsylvania and sold as the property of GREG L. ANDERSON, KAREN D,
ANDERSON, DORIS J. ANDERSON, individually and as heir of BLAKE E, ANDERSON, JR.
Ey.1u hi f 15
Received From:
GOING & PLANK
140 EAST KING STREET
LANCASTER,PIrt'ffl62
One piece of ordln.rv mall .ddrund '0:
GREG L. ANDERSON
6.101 r.ll1hhnllVd nr.fuQ
Mechanicsbur2. PA
170S5
PS arm 3817, Mor, 1989
_u.s. GPO:llll-3IJ.&05IIIUO
US POSTAL S'RV'C' FI E OF IL G
MAV BE USED FOR DOMESTIC AND INTERNATIONAL MAil. DOES NOT
PROVIDE FOR INSURANCE -POSTMASTER
Reclllved From:
U")j '.;~ ,~ PI :,~JK
l.:j [i\ST Ki~JG STREET
LI,\ol'.."JIL.K, t'A I/GUl
Onll pillclI 01 ordinary mllll Iddrlllllld 10:
U.S, ATTORNEY GENERAL
The United States of America
Washington, D.C. 20013
PS arm 3817, Mor, 1989
_U.l 0'0.1111-312olOII51410
U OSTAl S'RV'C' CERTIFICATE OF M ILlNG
MAV BE USED FOA DOMESTIC AND INTERNATIONAL MAil. DOES NOT
PROVIDE fOR INSURANCE-POSTMASTER
ReclllvldFlOm;
G":,r, & PLI~"K
1', ~ ,\'iT 1'ii~<G STREET
LL"_,,,:~f\, fA l7CJ2
One PUICCI 01 ordlnarv mall eddrlllled 10
DORIS J. ANDERSON
individually and as heir ot
BLAKF. E. ANDERSON. JR.
4 03 Clubhouse Drive
Me hanicsburg, PA 17055
PS Form 3817. Mar. 1989 -u.s OPO lHI.,J12.fOS/5141O
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140 EAST KING STREET
LilNi,;II:'IER, PA 17602
On. p~c. 01 ord,n,'Y m." ,ddle.l.d 10:
KAREN D. ANDERSON
4103 Clubhouse Drive
Mechanicsburg, PA
17055
PS Form 3817, Mar, 1888
_U.I. aPO:1HloSU4OSlS14JO
u.s. P fA ERVI AT I
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OVIDE FOR INSURANCE-POSTMASTER
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Received From:
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BUREAU OF COMPI.TANCF. \, \ .{:
CDOMMONWEALTH. OF PENNSYLVANtl\,
ePt. 280946 . (J
-........_#~
Harrisburg, PA 17101
PS Form 3817, Mer, 1989
_u.s. DPO:lltl.J12405J5.e.
,s. po TAL SERV' E CE F C TE 0 L N
MAY BE USED FOR DOMESne AND INTERNATIONAL MAIL. DOES NOT
PROVIDE FOR INSURANCE-POSTMASTER
Received From:
",..;~, ? ANK
1 i:j :,\,i Kine STREET
I. ,.. ,
One pieclI 01 ordln.'y m.il .ddlell.d 10:
U,5. ATTORNEY, MIDDLE DISTR1CT
Federal Buildin2
228 Walnut Street
P,O. Box 11754
P Form 3817, Mar, 1989
_u.s. DI'O:I"I-1124051114)0
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,
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNlY, PENNSYLVANIA
CIVIL ACTION..MORTGAGE FORECLOSURE
FEDERAL HOME LOAN MORTGAGE
CORPORATION
Plaintiff,
No, 1141 Civil 1994
vs,
GREG L, ANDERSON, KAREN 0, ANDERSON;
DORIS J, ANDERSON, individually and as heir of:
BLAKE E, ANDERSON, JR, and
THE UNITED STATES OF AMERICA
Defendants,
AmDAVlr or 8EIl\'ICE or Honca or 8HII;....,. SAlE or RIAL nonJn'Y
1, We, GOING & PLANK, are the attorneys for Plaintiff in the above-captioned case, and as such,
are and were authorized to execute this Affidavit and effect the actions hereinafter described,
2, In accordance with Pa,R,C,P. 3129.1 /!l s/!q, , we mailed by ordinary first class mail copies of the
Notice of Sheriff Sale of Real Property in the above-captioned matter, which Notices (exclusive of the
legal description of the real property attached to said Notices as an exhibit) are attached hereto as
"EXHIBIT A" and incorporaled herein by reference, to the persons and on Ihe dates respectively
enumerated in said Notices,
3, Said legal description of the real property attached to each of said Notices is attached hereto
as "EXHIBIT B" and incorporated herein by reference,
4, The U,S, Postal Form 3817 Certificate of Mailing for each of said Notices is attached hereto
as "EXHIBIT Coo and incorporated herein by reference,
5, Our return address appeared on the envelopes for each of said Notices and as of the date of
this Affidavit, the following checked paragraph is applicable:
@ None of said Notices were returned to us,
o None of said Notices were returned to us except those attached hereto as "EXHIBIT 0" and
incorporated herein by reference.
We verify that the statements made in this Affidavit are true and correct 10 the best of our
knowledge, information, or belief, We understand that false statements herein are made subject to the
penalties of 18 Pa,C.S, ~ 4904 relating to unsworn falsification to authorities,
DATED: August 15, 1994
By:
B rd. Harris
Attorneys for Plaintiff
140 East King Street
Lancaster, PA 17602
(717-392-4131)
Atty, Id, No, 34393
, .
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CML ACTION..MORTGAGE FORECLOSURE
FEDERAL HOME LOAN MORTGAGE
CORPORATION
Plaintiff,
vs. :
GREG L, ANDERSON, KAREN D,:
ANDERSON, DORIS J. ANDERSON,
individually and as heir of
BLAKE E, ANDERSON, JR.
and THE UNITED STATES OF AMERICA
Defendants.
No, 1141 Civil 1994
NonCE OP 8IIEIUW SALE OP IlEAL PROtEln'Y
TO: GREG L, ANDERSON
4103 Clubhouse Drive
Mechanicsburg, PA 17055
KAREN D. ANDERSON
4103 Clubhouse Drive
Mechanicsburg, PA 17055
DORIS J, ANDERSON
individually and as heir of
BLAKE E, ANDERSON, JR,
4103 Clubhouse Road
Mechanicsburg, P A 17055
U,S, ATIORNEY GENERAL
The United States of America
Washington, D.C, 20013
BUREAU OF COMPLIANCE
Dept. 280946
Harrisburg, PA 17101
U.S. ATIORNEY, MIDDLE DlSTRICl'
Federal Building
228 Walnut Street
P.O, Box 11754
Harrisburg, PA 17108
DAUPHIN DEPOSIT BANK
& TRUST COMPANY
213 Market Street
Harrisburg, PA 17105
HAMILTON BANK
1097 Commercial Avenue
East Petersburg, PA 17520
INTERNAL REVENUE SERVICE
District Director
600 Arch Street
Philadelphia, PA 19106
Attn: Chief, Special Procedures Section
TAD NonCE that on September 7, 1994 at 10:00 a,m, (prevailing local time), the Sheriff
of Cumberland County, Pennsylvania will sell the real property, together with any home and all other
improvements thereon, that is located at 4103 Clubhouse Road, Mechanicsburg, Cumberland County,
Pennsylvania 17055. The real property is more fully described in the attached legal description, which
is incorporated herein by reference. This sale will take place at the Cumberland County Courthouse,
South Hanover Street, Commissioners Hearing Room, 2nd Floor, Carlisle, Pennsylvania 17013. The
-1-
17"
I~/"I, I
. ,
owners or reputed owners of the real property are as follows: GREG L. ANDERSON, KAREN D.
ANDERSON, DORIS J. ANDERSON, individually and as heir of BLAKE E. ANDERSON, JR.
This sale is being held pursuant to a writ of execution issued on the JUDGMENT entered in
favor of the above Plaintiff and against the above Defendant(s), which judgment is indexed to the
above docket number in the above Court of Common Pleas.
A SCHEDULE OF DISTRIBUTION showing who will receive the proceeds of the sale will be
posted in the Sheriffs Office within thirty (30) days after the sale date, and distribution of the sale
proceeds will be made in accordance with the Schedule unless you or someone else objects to Ihe
proposed distribution by filing exceptions to it within ten (10) days after the posting of the Schedule,
'Information about Ihe Schedule of Distribution may be obtained from the Sheriffs Office.
YOU MAY RAVE A LIEN Oil Ol'iu~1l1NTEREST IN 11IE ABOVE l'RORIl'JY. Any lien or
interest vou have in the above propertv mav be forever lost or otherwise impaired if vou do not
promptlv take action to orotect such lien or interest. You may have legal rights to prevent any lien
or interest you have in the above property from being lost or otherwise impaired, For example,
before the Sheriffs Sale, you may file a petition with the above Court of Common Pleas in order to
open or strike Ihe above judgment, or to stay or set aside the Sheriffs Sale, if you feel you have n
defense or objection to the judgment or the execution procedures used, or for any other proper
causes. After the Sheriffs Sale, but before delivery of the Sheriffs deed to the real property, a
petition to set aside the Sheriffs Sale for a grossly inadequate price or for any other proper causes
also may be filed with said Court, You also may have the right to free legal help. A lawyer can
advise you more specifically of these and other rights you may have regarding the above matters. If
you wish to exercise your rights, however, vou must act oromptlv or vou mav Jose such rights.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOW-
ING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP:
Court Administrator
Cumberland County Courthouse
4th Floor
Carlisle, PA 17013-3387
(717) 240-6200
June 20. 1994
DATED:
By:
Bradford J. Harris
Attorneys for Plaintiff
140 East King Street
Lancaster, PA 17602
(717) 392-4131
Attorney I,D. No, 34393
-2-
.
ALL THAT CERTAIN lot of land and real estate, being Lot 16 shown on that certain Prelimi-
narylFinal Subdivision Plan for Golfview referred to in the within instrument, in Hampden Township.
Cumberland County, Pennsylvania, more particularly bounded and described in accordance with said
PreliminarylFinal subdivision Plan as follows:
BEGINNING at a point on the easterly edge and right-of-way line of Clubhouse Drive, which
beginning point is on the westerly end of the common boundary line between Lot 16 herein described
and Lot 15 of Golfview situate to the south thereof; thence along the easterly edge of Clubhouse Drive
along a curve to the right an arc distance of 11.83 feet to a point; thence along the easterly edge of
Clubhouse Drive, North 25 degrees, 09 minutes, 50 seconds West, a distance of 70,56 feet to a point;
thence along a curve to the right, an arc distance of 29.71 feet to a point; thence along the southerly
edge of Clubhouse Drive North 59 degrees, 56 minutes, 15 seconds Enst, 120,04 feet to a point; Ihence
along the common boundary line between Lot 16 herein described and Lot 18 of Golfview, South 29
degrees, 20 minutes, 38 seconds East, a distance of 100,01 feet to a point thence along the common
boundary line between Lot 16 herein described and Lot 15 of GolCview, South 59 degrees, 56 minutes,
15 seconds West, a distance of 142,28 feet to a point on the eastern side of Clubhouse Drive, the poirit
of BEGINNING.
BEING THE SAME PREMISES which S & A Custom Built Homes, Inc, a Pennsylvania Corporation,
by deed dated February 22, 1990 and recorded March 2, 1990 in the Recorder of Deeds Office in and
for Cumberland County, Pennsylvania in Deed Book L-34, Page 35, granted and conveyed unto Greg
L, Anderson and Karen D, Anderson, his wife and B1nke E, Anderson, Jr. and Doris J. Anderson, his
wife, Joint Tenants with the Right of Survivorship ns Between the Married Parties,
Tax Map No, 18-1314-114
Seized in execution under Judgment No. 1141 Civil 1994 in the Court of Common Pleas of
Cumberland County, Pennsylvania and sold as the property of GREG L ANDERSON, KAREN D.
ANDERSON, DORIS J. ANDERSON, individually and as heir of BLAKE E, ANDERSON, JR.
',/, /,,/, I /,; "
,
P TA EA I
MAY DE USED FOR DOMESTIC AND INTERNATIONAL MAIL. DOES NOT
PROVIDE FOR INSURANCE -POSTMASTfR
R.c.t....d F,om:
GOING & PWi~
IJO E-'~T ~:".:... ""fr..,....
1.II,q .,
lAllCASiER. p" 1 'r' -
--,-,..'
Ontl Dllel 01 Of din. I., mlil .dd'....d to:
Dauphin Deposit Bank and Trust Company
213 Market Street
Harrisbur
PA 17105
PS Form 3817, Mer, 1989
.. U.S. mJ:llB)..1'Q.r,JIM.vH1
RICIWld F,om:
GOING ~ PLM~K
\'8 E'"Y .....6 ,'"
'I t\.~ I I"" , ..J I , \
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LAriCA~.r" p: :
On. olIn of oldtnary mlil Iddll...d 10:
II c:: A.t:t:orRQ}' Ggneral
WashinRton, DC 20013
PS Form 3817, Mer, 1989
. U,S, ml,1<J6.2'O-SIW"'1
u.s. PST. SEAVl I
MAY DE USED FOR DOMESTIC AND INTERNATIONAL MAil. DOES NOT
PROVIDE FOR INSURANCE-POSTMASTER
R.c.i.....d From:
GOING & PLMJi<
J.Hl EASr IIh',ll ~,,'~U
~
,.
On. ilel of ordln"y mill Idd"".d 10:
Hamil ton Bank
1097 Commercial Avenue
East Petersburg, PA 17520
PS Form 3817, Mar, 1989
. U.S. (}l(): ~1B-]CQ.~St..1h.'B1
AIII..t.. her. in stamp.
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION..MORTGAGE FORECLOSURE
FEDERAL HOME LOAN MORTGAGE
CORPORATION
Plaintiff,
..~
vs. :
GREG L. ANDERSON, KAREN D, ANDERSON;
DORIS J. ANDERSON, individually and as heir of:
BLAKE E, ANDERSON, JR, and :
THE UNITED STATES OF AMERICA
Defendants,
No, 1141 Civil 1994
~ roll war or EJEamON
(Mortgage Foreclosure)
TO THE PROTHONOTARY:
Please issue a writ of execution in favor of Plaintiff and against Defendant UNITED STATES OF
AMERICA for foreclosure and sale of the below real property and Defendants GREG L, ANDERSON,
KAREN D, ANDERSON, DORIS J. ANDERSON, individually and as heir of BLAKE E, ANDERSON,
JR, directing the Sheriff of Cumberland County, Pennsylvania to levy upon and sell the real property of
Defendants located at 4103 Clubhouse Drive, Mechanicsburg, Cumberland County, Pennsylvania 17055,
which property is more fully described in the legal description attached hereto and incorporated herein
by reference, for the following:
Amount Due. , , , , . , , , , , , , , , , , , . , . , , . , , ,. $ 163,494,44 V'
Interest at 9,875% per annum ($38,33 per diem)
from 5/19194 to 3/10/95, , . . , . , . , , . , . , , , . . , . , ,$
14,718.72
Late Charges at $62,96 per month from
6/94 to 2/95 , . . . . , , . , , , . . , , , . . , . , . . , , . , , , ,$
692,56
Escrow charges at $230,34 per month from
6/94 to 2/95, . , . , , , , , . . , , , . . , , , , , . , , , . , . , . $
- 2.533,74
TOTAL ~
181.439,46,
plus, to the date of
settlement, interest at 9,875%
per annum ($38,33 per diem)
from 6n195, late charges at
$62.96 per month from 6195,
escrow charges at $230,34 per
month from 6195, plus costs
DATED: March 10, 1995
By:
Br fo , Harris
Attorneys for Plaintiff
140 East King Street
Lancaster, PA 17602
(717) 392-4131
Attorney I.D, No, 34393
>,
.
.....
ALL THAT CERTAIN lot of land and real estate, being Lot 16 shown on that certain Prelimi-
nary/Final Subdivision Plan for Golfview referred to in the within instrument, in Hampden Township,
Cumberland County, Pennsylvania, more particularly bounded and described in accordance with said
Preliminary/Final subdivision Plan as follows:
BEGINNING at a point on the easterly edge and right-of-way line of Clubhouse Drive, which
beginning point is on the westerly end of the common boundary line between Lot 16 herein described
and Lot 15 of Golfview situate to the south thereof; thence along the easterly edge of Clubhouse Drive
along a curve to the right an arc distance of 11,83 feet to a point; thence along the easterly edge of
Clubhouse Drive, North 25 degrees, 09 minutes, 50 seconds West, a distance of 70,56 feet to a point;
thence along a curve to the right, an arc distance of 29,71 feet to a point; thence along the southerly
edge of Clubhouse Drive North 59 degrees, 56 minutes, 15 seconds East, 120.04 feet to a point; thence
along the common boundary line between Lot 16 herein described and Lot 18 of Golfview, South 29
degrees, 20 minutes, 38 seconds East, a distance of 100,01 feet to a point thence along the common
boundary line between Lot 16 herein described and Lot 15 of Golfview, South 59 degrees, 56 minutes,
15 seconds West, a distance of 142,28 feet to a point on the eastern side of Clubhouse Drive, the point
of BEGINNING,
BEING THE SAME PREMISES which S & A Custom Built Homes, Inc, a Pennsylvania Corporation,
by deed dated February 22, 1990 and recorded March 2, 1990 in the Recorder of Deeds Office in and
for Cumberland County, Pennsylvania in Deed Book L-34, Page 35, granted and conveyed unto Greg
L. Anderson and Karen D, Anderson, his wife and Blake E, Anderson, Jr. and Doris J, Anderson, his
wife, Joint Tenants with the Right of Survivorship as Between the Married Parties.
Tax Map No, 18-1314-114
Seized in execution under Judgment No, 1141 Civil 1994 in the Court of Common Pleas of
Cumberland County, Pennsylvania and sold as the property of GREG L. ANDERSON, KAREN D,
ANDERSON, DORIS J. ANDERSON, individually and as heir of BLAKE E, ANDERSON, JR.
"
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUN1Y, PENNSYLVANIA
CIVIL ACTION..MORTGAGE FORECLOSURE
FEDERAL HOME LOAN MORTGAGE
CORPORATION
Plaintiff,
vs. :
GREG L. ANDERSON, KAREN D. ANDERSON;
DORIS J, ANDERSON, individually and as heir of:
BLAKE E, ANDERSON, JR. and
THE UNITED STATES OF AMERICA
Defendants,
No, 1141 Civil 1994
AFFIDAVIT PURSUANT TO RUI,E 3129.1 et sea.
Plaintiff now sets forth as of Ihe date the praecipe for the writ of execution was filed in the
above-captioned aclion the following information concerning the real property located at 4103 Clubhouse
Drive, Mechanicsburg. Cumberland County, Pennsylvania 17055:
1. Name and address or the owncrCsl or l"Couted ownerCsl:
GREG L. ANDERSON. 4103 Clubhouse Drive, Mechanicsburg, Pennsylvania 17055
KAREN D, ANDERSON, 4103 Clubhouse Drive, Mechanicsburg, Pennsylvania 17055
DORIS J, ANDERSON, individually and as heir of Blake E, Anderson, Jr" 4103 Clubhouse
Drive, Mechanicsburg, Pennsylvania 17055
2. Name and address or the derendanHslln the ludl!ment:
GREG L. ANDERSON, 4103 Clubhouse Drive, Mechanicsburg, Pennsylvania 17055
KAREN D. ANDERSON, 4103 Clubhouse Drive, Mechanicsburg, Pennsylvania 17055
DORIS J, ANDERSON, individually and as heir of Blake E, Anderson, Jr" 4103 Clubhouse
Drive, Mechanicsburg, Pennsylvania 17055
THE U,S. ATIORNEY GENERAL, United States of America, Washington, D,C. 20013
U,S. ATIORNEY, MIDDLE D1STRlcr, Federal Building, 228 Walnut Street, P,O, Box 11754,
Harrisburg, PA 17108
-1-
.-
...
3. Name and address of every ludement eredl10r whose judgment Is a reeord lien on the real property to
be sold:
FEDERAL HOME LOAN MORTGAGE CORPORATION, 1410 Springhill Road, Mclean, VA
22102
DAUPHIN DEPOSIT BANK & TRUST COMPANY, 213 Market Street, Harrisburg, PA 17105
HAMILTON BANK, 1097 Commercial Avenue, East Petersburg, PA 17520
BUREAU OF COMPLIANCE, COMMONWEALTH OF PENNSYLVANIA, Dept. 280946,
Harrisburg, PA 17101
INTERNAL REVENUE SERVICE, District Director, 600 Arch Street, Philadelphia, PA 19106,
Atln: Chief, Special Procedures Section
4. Name and address of the lasl recorded holder of everv morteaee of record:
FEDERAL HOME LOAN MORTGAGE CORPORATION, 1410 Springhill Road, McLean, VA
22102
DAUPHIN DEPOSIT BANK & TRUST COMPANY. 213 Market Street, Harrisburg, PA 17105
5. Name and address of every olher person who has anv record lien on the property:
none
6. Name and address of every other person who has any reeord Inlerest In the property and whose
interest may be affected by the sale:
none
7. Name and address of every other person whom Plaintiff has knowledee who has anv Interest In Ihe
property that may be affected by the sale:
GREG L. ANDERSON, 4103 Clubhouse Drive. Mechanicsburg, Pennsylvania 17055
KAREN D, ANDERSON, 4103 Clubhouse Drive, Mechanicsburg, Pennsylvania 17055
DORIS J. ANDERSON, individually and as heir of Blake E, Anderson, Jr" 4103 Clubhouse
Drive, Mechanicsburg, Pennsylvania 17055
-2-
.
.'
~ ...
THE V,S. ATTORNEY GENERAL, United States of America, Washington, D.C, 20013
U,S, ATTORNEY, MIDDLE D1STRICf, Federal Building, 228 Walnut Street, P,O. Box 11754,
Harrisburg, PA 17108
DOMESTIC RELATIONS OFFICE, Cumberland County Court of Common Pleas, P,O. Box 320,
Carlisle, PA 17013
We verify that Ihe statements made in this affidavit are true and correcl to the best of our
knowledge, information, or belief, We understand Ihat false statements herein are made subject to the
penalties of 18 Pa,C,S, ~ 4904, relating to unsworn falsification to authorities, We are Ihe attorneys for
Plaintiff, and as such, are authorized to execute Ihis affidavit on it's behalf,
DATED: March 10, 1995
By:
B d, Harris
Attorneys for Plaintiff
140 East King Street
Lancaster, PA 17602
(717) 392-4131
Attorney I.D. No. 34393
-3-
...
'"
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
Civil Aclion--Morlgage Foreclosure
FEDERAL HOME LOAN MORTGAGE
CORPORATION
Plaintiff,
vs,
GREG L, ANDERSON, KAREN D,:
ANDERSON, DORIS J, ANDERSON,
individually and as heir of
BLAKE E, ANDERSON, JR,
and THE UNITED STATES OF AMERICA
Defendants,
No, 1141 Civil 1994
NOTICE OF SHERIFF SALE OF REAL PROPERTY
TO: GREG L. ANDERSON
4103 Clubhouse Drive
Mechanicsburg. PA 17055
KAREN D, ANDERSON
4103 Clubhouse Drive
Mechanicsburg, PA 17055
DORIS J. ANDERSON
individually and as heir of
BLAKE E, ANDERSON, JR,
4103 Clubhouse Road
Mechanicsburg, PA 17055
U,S, ATIORNEY GENERAL
The United States of America
Washington, D,C. 20013
U,S ATIORNEY, MIDDLE DISTRICf
Federal Building
228 Walnut Street
P.O. Box 11754
Harrisburg, PA 17108
TAKE NOTICE that on June 7, 1995 at 10:00 a,m, (prevailing local time), the Sheriff of
Cumberland County, Pennsylvania will selllhe real property, logether wilh any home and all other
improvements thereon, that is located at 4103 Clubhouse Drive, Mechanicsburg, Cumberland County,
Pennsylvania 17055. The ~eal property is more fully described in the attached legal description, which
is incorporated herein by reference. This sale will take place at the Cumberland County Courthouse.
South Hanover Street, Commissioners Hearing Room, 2nd Floor, Carlisle, Pennsylvania 17013, The
owners or reputed owners of the real property are as follows: GREG L. ANDERSON, KAREN D,
ANDERSON, DORIS J, ANDERSON, individually and as heir of BLAKE E. ANDERSON, JR.
This sale is being held pursuant to a writ of execulion issued on the JUDGMENT enlered in
favor of the above Plaintiff and against the above Defendant(s), which judgment is indexed to the
above docket number in the above Court of Common Pleas.
A SCHEDULE OF DISTRIBUTION showing who will receive the proceeds of the sale will be
posted in the Sheriffs Office wilhin thirty (30) days after the sale date. and distribution of the sale
proceeds will be made in accordance with the Schedule unless you or someone else objects to the
proposed distribution by filing exceptions to it within ten (10) days after the posting of the Schedule,
-1-
"
Information about the Schedule of Distribution may be obtained from the Sherifrs Office,
THIS PAPER IS A NOTICE OF THE TIME AND )'LACE OF THE SALE OF YOUR REAL
PROPERTY. This Notice has been sent to you because the above- described writ of execution has
been issued against you based upon the above-described judgment against you, This Notice is
notifying you that your property is being held to be sold or taken to pay the above-described
judgment, You may have legal rights to prevent your property from being taken and sold, A lawyer
can advise you more specifically of these rights, If you wish to exercise your rights, you must act
promptly or you mav lose such rights,
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOW-
ING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP:
Court Administrator
Cumberland County Courthouse
4th Floor
Carlisle, PA 17013-3387
(717) 240-6200
YOU MAY HAVE THE FOLLOWING LEGAL RIGHTS (IN ADDITION TO OTHERS):
1. You may file a petition with the above Court of Common Pleas
in order to open or strike the judgment. or to stay or set aside the Sheriff Sale, if you feel that you
have a defense against the plaintiff, or if YOll are aware of a legal defect in the obligation or the
procedure used against you.
2, After the Sheriff Sale but before delivery of the Sherifrs deed to the real property, you also
may file a petition with the same Court of Common Pleas in order to set aside the sale for a grossly
inadequate price or for other proper causes,
3, You also may have the right to free legal help, If you wish to exercise any of the above
rights, or any other rights that you may have regarding the above matters, you must act promotly or
vou may lose such rights, A lawyer can advise you more specifically of the above rights and other
rights you may have, YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF
YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE
THE OFFICE SET FORTH ABOVE TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
DATED: March 10, 1995
By:
Br . Harris
Attorneys for Plaintiff
140 East King Street
Lancaster, PA 17602
(717) 392-4131
Attorney I.D, No, 34393
-2-
.
"
ALL THAT CERTAIN lot of land and real estate, being Lot 16 shown on that certain Prelimi-
nary/Final Subd:'.'ision Plan for Golfview referred to in the within instrument, in Hampden Township,
Cumberland County, Pennsylvania, more particularly bounded and described in accordance with said
Preliminary/Final subdivision Plan as follows:
BEGINNING at a point on the easterly edge and right-of-way line of Clubhouse Drive, which
beginning point is on the westerly end of the common boundary line between Lot 16 herein described
and Lot 15 of Golfview situate to the south thereof; thence along the easterly edge of Clubhouse Drive
along a cUlVe to the right an arc distance of 11.83 feet to a point; thence along the easterly edge of
Clubhouse Drive, North 25 degrees, 09 minutes, 50 seconds West, a distance of 70.56 feet to a point;
thence along a cUlVe to the right, an arc distance of 29,71 feet to a point; thence along the southerly
edge of Clubhouse Drive North 59 degrees, 56 minutes, 15 seconds East, 120,04 feet to a point; thence
along the common boundary line between Lot 16 herein described and Lot 18 of Golfview, South 29
degrees, 20 minutes, 38 seconds East, a distance of 100m feet 10 a point thence along the common
boundary line between Lot 16 herein described and Lot 15 of Golfview, South 59 degrees, 56 minutes,
15 seconds West, a distance of 142,28 feet to a point on the eastern side of Clubhouse Drive, the point
of BEGINNING,
BEING THE SAME PREMISES which S & A Custom Built Homes, Inc. a Pennsylvania Corporation,
by deed dated February 22, 1990 and recorded March 2, 1990 in the Recorder of Deeds Office in and
for Cumberland County, Pennsylvania in Deed Book L-34, Page 35, granted and conveyed unto Greg
L. Anderson and Karen 0, Anderson, his wife and Blake E, Anderson, Jr, and Doris J. Anderson, his
wife, Joint Tenants with the Right of SUlVivorship as Between the Married Parties,
Tax Map No. 18-1314-114
Seized in execution under Judgment No. 1141 Civil 1994 in the Court of Common Pleas of
Cumberland County, Pennsylvania and sold as the property of GREG L. ANDERSON, KAREN 0,
ANDERSON, DORIS J. ANDERSON, individually and as heir of BLAKE E, ANDERSON, JR,
~
.
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I
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
Civil Acllon--Mortgage Foreclosure
FEDERAL HOME LOAN MORTGAGE
CORPORATION
Plaintiff,
vs,
GREG L, ANDERSON, KAREN D,:
ANDERSON, DORIS J, ANDERSON,
individually and as heir of
BLAKE E, ANDERSON, JR.
and THE UNITED STATES OF AMERICA
Defendants,
No. 1141 Civil 1994
NOTICE OF SHERIFF SALE OF REAL PROPERTY
TO: GREG L, ANDERSON
4103 Clubhouse Drive
Mechanicsburg, P A 17055
DORIS J, ANDERSON
individually and as heir of
BLAKE E, ANDERSON, JR.
4103 Clubhouse Road
Mechanicsburg, PA 17055
KAREN D, ANDERSON
4103 Clubhouse Drive
Mechanicsburg, PA 170'SS
U,S, ATIORNEY GENERAL
The United States of America
Washington, D,C, 20013
U,S ATIORNEY, MIDDLE DISTRICf
Federal Building
228 Walnut Street
P,O, Box 11754
Harrisburg, PA 17108
TAKE NOTICE that on September 7, 1994 at 10:00 a.m. (prevailing local time), the Sheriff
of Cumberland County, Pennsylvania will sell the real property, together with any home and all other
improvements thereon, that is located at 4103 Clubhouse Drive, Mechanicsburg, Cumberland County,
Pennsylvania 17055. The real property is more fully described in the attached legal description, which
is incorporated herein by reference, This sale will take place at the Cumberland County Courthouse,
South Hanover Street, Commissioners Hearing Room, 2nd Floor, Carlisle, Pennsylvania 17013, The
owners or reputed owners of the real property are as follows: GREG L. ANDERSON, KAREN D.
ANDERSON, DORIS J, ANDERSON, individually and as heir of BLAKE E, ANDERSON, JR.
This sale is being held pursuant to a writ of execution issued on the JUDGMENT entered in
favor of the above Plaintiff and against the above Defendant(s), which judgment is indexed to the
above docket number in the above Court of Common Pleas,
A SCHEDULE OF DISTRIBUTION showing who will receive the proceeds of the sale will be
posted in the Sheriffs Office within thirty (30) days after the sale date, and distribution of the sale
proceeds will be made in accordance with the Schedule unless you or someone else objects to the
proposed distribution by filing exceptions to it within ten (10) days after the posting of the Schedule,
-1-
.
.
Information about the Schedule of Distribution may be obtained from the Sheriffs Office,
THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF THE SALE OF YOUR REAl.
PROPERTY. This Notice has been sent to you because the above- described writ of execution has
been issued against you based upon the above-described judgment against you, TIlis Notice is
notifying you that your property is being held to be sold or taken to pay the above-described
judgment. You may have legal rights to prevent your property from being taken and sold. A lawyer
can advise you more specifically of these rights, If you wish to exercise your rights, you must act
promptly or vou mav lose such rights.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF YOU DO NOT
HA VB A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOW-
ING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP:
Court Administrator
Cumberland County Courthouse
4th Floor
Carlisle, PA 17013-3387
(717) 240-6200 '
~...
YOU MAY HA VB THE FOLLOWING LEGAL RIGHTS (IN ADDITION TO OTHERS):
1. You may file a petition with Ihe above Court of Common Pleas
in order to open or strike the judgment, or to stay or set aside the Sheriff Sale, if you feel that you
have a defense against the plaintiff, or if you are aware of a legal defect in the obligation or the
procedure used against you,
2. After the Sheriff Sale but before delivery of the Sheriffs deed to the real property, you also
may file a petition with the same Court of Common Pleas in order to set aside the sale for a grossly
inadequate price or for other proper causes,
3, You also may have the right to free legal help. If you wish to exercise any of the above
rights, or any other rights that you may have regarding the above matters, you must act promptly or
you mav lose such riehts, A lawyer can advise you more specifically of the above rights and other
rights you may have, YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF
YOU DO NOT HA VB A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE
THE OFFICE SET FORTH ABOVE TO FIND OUT WHERE YOU CAN GET LEGAL HELP,
DATED: June 9,1994
By:
a ord J, Harris
Attorneys for Plaintiff
140 East King Street
Lancaster, PA 17602
(717) 392-4131
Attorney I.D, No, 34393
-2-
ALL THAT CERTAIN lot of land and real estate, being Lot 16 shown on that certnin Prelimi-
narylFinal Subdivision Plan for Golfview referred to in the within instrument, in Hampden Township,
Cumberland County, Pennsylvania, more particularly bounded and described in accordance with said
PreliminarylFinal subdivision Plan as follows:
BEGINNING at a point on the easterly edge and right-of.way line of Clubhouse Drive, which
beginning point is on the westerly end of the common boundary line between Lot 16 herein described
and Lot 15 of Golfview situate to the south thereof; thence along the easterly edge of Clubhouse Drive
along a CUlVe to the right an arc distance of 11.83 feet to a point; thence along the easterly edge of
Clubhouse Drive, North 25 degrees, 09 minutes, 50 seconds West, a distance of 70.56 feet to a point;
thence along a CUlVe to the right, an arc distance of 29,71 feet to n point; thence along the southerly
edge of Clubhouse Drive North 59 degrees, 56 minutes, 15 seconds East, 120,04 feet to a point; thence
along the common boundary line between Lot 16 herein described and Lot 18 of Golfview, South 29
degrees, 20 minutes, 38 seconds East, a distance of 100,01 feet to a point thence along the common
boundary line between Lot 16 herein described and Lot 15 of Golfview, -South 59 degrees, 56 minutes,
15 seconds West, a distance of 142,28 feet to a point on the eastern side of Clubhouse Drive, the point
of BEGINNING. '
~,.,
BEING THE SAME PREMISES which S & A Custom Built Homes, Inc, a Pennsylvania Corporation,
by deed dated February 22, 1990 and recorded March 2, 1990 in the Recorder of Deeds Office in and
for Cumberland County, Pennsylvania in Deed Book L.34, Page 35, granted and conveyed unto Greg
L. Anderson and Karen D, Anderson, his wife and Blake E, Anderson, Jr, and Doris J. Anderson, his
wife, Joint Tenants with the Right of SUlVivorship as Between the Married Parties,
Tax Map No. 18-1314-114
Seized in execution under Judgment No, 1141 Civil 1994 in the Court of Common Pleas of
Cumberland County, Pennsylvania and sold as the property of GREG L, ANDERSON, KAREN D,
ANDERSON, DORIS J, ANDERSON, individually and as heir of BLAKE E, ANDERSON, JR.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUN1Y, PENNSYLVANIA
CML ACTION..MORTGAGE FORECLOSURE
FEDERAL HOME LOAN MORTGAGE
CORPORATION
Plaintiff,
vs,
GREG L, ANDERSON, KAREN D, ANDERSON;
DORIS J, ANDERSON, individually and as heir of:
BLAKE E, ANDERSON, JR. and
THE UNITED STATES OF AMERICA
Defendants. :
No, 1141 Civil 1994
AFFIDAVIT PURSUANT TO RULE 3129.1 et sen.
Plaintiff now sets forth as of the date the praecipe for the writ of execution was filed in the
above-captioned action the following information concerning the real property located at 4103 Clubhouse
Drive, Mechanicsburg, Cumberland County, Pennsylvania 17055:
1. Name and address of the owncrCsl or rCPulcd owncrCsl:
GREG L, ANDERSON, 4103 Clubhouse Drive, Mechanicsburg, Pennsylvania 17055
KAREN D. ANDERSON, 4103 Clubhouse Drive, Mechanicsburg, Pennsylvania 17055
DORIS J. ANDERSON, individually and as heir of Blake E. Anderson, Jr., 4103 Clubhouse
Drive, Mechanicsburg, Pennsylvania 17055
2. Name and address of the dcfcndnntCsl In Ihe ludl!mcnl:
GREG L, ANDERSON, 4103 Clubhouse Drive, Mechanicsburg. Pennsylvania 17055
-
KAREN D, ANDERSON, 4103 Clubhouse Drive, Mechanicsburg, Pennsylvania 17055
DORIS J. ANDERSON, individually and as heir of Blake E, Anderson, Jr., 4103 Clubhouse
Drive, Mechanicsburg, Pennsylvania 17055
THE U,S, ATIORNEY GENERAL, United States of America, Washington, D,C, 20013
U,S, ATIORNEY, MIDDLE DlSTRlcr, Federal Building, 228 Walnut Street, P,O, Box 11754,
Harrisburg, PA 17108
-I-
,--.,.-.",.
,"
"
3. Nome and address of every ludl!ment creditor whose Judgment Is a record lien on the real property to
be sold:
FEDERAL HOME LOAN MORTGAGE CORPORATION, 1410 Springhill Road, Mclean, VA
22102
DAUPHIN DEPOSIT BANK & TRUST COMPANY, 213 Market Street, Harrisburg, PA 17105
HAMILTON BANK, 1097 Commercial Avenue, East Petersburg, PA 17520
BUREAU OF COMPLIANCE, Dep!. 280946, Harrisburg, PA 17101
INTERNAL REVENUE SERVICE, District Director, 600 Areh Street, Philadelphia, PA 19106,
Alln: Chief, Special Procedures Section
4. Nome and address of the lost recorded holder of everv mortl!ol!e of record:
FEDERAL HOME LOAN MORTGAGE CORPORATION, 1410 Springhill Road, Mclean, VA
22102
DAUPHIN DEPOSIT BANK & TRUST COMPANY, 213 Market Street, Harrisburg, PA 17105
5. Nome and address of every other person who has anv record lien on the property:
none
6, Name and address of every other person who 'has any record Interest In the property and whose
Interest may be olTected by the sale:
none
7. Name and address of every olher person whom PlalntilT has knowledl!e who has anv Interest In the
property Ihat may be alTected by the sale:
GREG L. ANDERSON, 4103 Clubhouse Drive, Mechanicsburg, Pennsylvania 17055
KAREN D, ANDERSON, 4103 Clubhouse Drive, Mechanicsburg, Pennsylvania 17055
DORIS J. ANDERSON, individually and as heir of Blake E, Anderson, Jr" 4103 Clubhouse
Drive, Mechanicsburg, Pennsylvania 17055
.2-
"
THE V,S. ATIORNEY GENERAL, United Stutes of Americu, Wushington, D,C. 20013
U.S. ATIORNEY, MIDDLE DISTRICT, Federul Building, 228 Walnut Street, P.O, Box 11754,
Harrisburg, PA 17108
DOMESTIC RELATIONS OFFICE, Cumberlund County Court of Common Pie us, P,O. Box 320,
Carlisle, PA 17013
We verify that the stutements mude in this affiduvit lire true und correct to the best of our
knowledge, information, or belief. We understand that false statements herein arc made subject to the
penalties of 18 Pa.C,S. ~ 4904, relating to unsworn falsification to authorities. We are the attorneys for
Plaintiff, and as such, are authorized to execute this affidavit on it's behalf.
DATED: June 9, 1994
By:
B r J. Harris
Attorneys for Plaintiff
140 East King Street
Lancaster, PA 17602
(717) 392-4131
Attorney I,D, No, 34393
-3-
,
WRIT OF EXECl1I'ION and/or A'fTAOflENl'
, ,
, .
CO>HJIWIEALTII OF PENNSYLVANIA)
COlJNI'Y OF ClMBERLAND )
No. 1141 CIVIL 19 94
CIVIL ACI'ION - LAW
'It) THE SHERIFF OF
CUMBERLAND
CCUNI'Y :
To satisfy the debt, interest and costs due FederHl Home Loan MortgHge Corp.
PLAINl'IFF( S)
from Greg L. Hnd Karen D. Anderson. Doris J. Anderson. individually Hnd as
heir to BHlke E. Anderson. Jr.. 4103 Clubhouse Dr.. Mechanicsburg PA 17055,
Hnd The United States of America DE~(S)
(1) You are directed to levy upon the property of the defendant(s) and to sell_
4103 Clubhouse Dr.. MechHnicsburg PA 17055 (See AttHched LegHl Description)
(2) You are also directed to attach the property of the defendant(s) not levied upon in
the possession of
GARNISHEE( S) as follows:
and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the
garnishee(s) is/are enjoined from paying any debt to or for the account of the defendant(s)
and from delivering any property of the defendant(s) or otheIwise disposing thereof;
(3) If property of the defendant(s) not levied upon and subject to attachment is found
in the possession of anyone other than a named garnishee, you are directed to not~fy
him/her that he/she has been added as a garniShee and is enjoined as above stated.
Arrount Due $163.494.44
Interest 5-19-94 to 9-7-94
= $$4,292.96 **
L.L. $.50
Due Prothy $1.00
Other Costs ** Interest Ht 9.B75% per annun
($3B.33 per diem)
Late Charges @ $62.96/month from 6/94 to B/94 =
$lBB.BB
Escrow charges @ $230.34/month from 6/94 to
9/94 = $921. 36
Lawrence E. Welker
Atty's Comm %
Atty Paid $144. 7B
Plaintiff Paid
DATE:
June 15. 1994
by:
Deputy
,
REQUESTING PARrY:
~ Bradford J. Harris, Esq.
Address: 140 E.King St.
LancHster PA 17602
Attorney for: Plaintiff
Telephone: (717) 392-l-H-l "/1.3 I
Supreme Court 10 No. 34393
~
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, ,
REAL ESTATE SALE No.
@~~u@m
On ~"""- /5,' ?1'Y the sh\J! iir 1,r:iuiJ upon the defendants
Int6l'8sll0 the rBal pronerty !iI'!,,""j,:1 in ,H~_~~
CumberlCind Cnup!\', r:; , ! :," ,... :"..; :,: : 1Ig.A.~Al.
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". :.:.:; 1:2it.WJ.
Date: b -I b ' 9 'I
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Writ No. 1141 Civil Term, 1994
R. Thomas Kline, Sheriff, who being duly sworn according to law,
says this writ is returned STAYED DUE TO BANKRUPTCY.
Sheriff's Costs
Docketing
Poundage
Pos ting Bills
Advertising
Law Library
County
Mileage
Cert Mail
Levy
Surcharge
Dauphin Co.
Law Journal
,patriot
Posters
30.00
15.62
9.00
9.00
.50) ('f.. "l';-r, 'I
1.00
7.28
10.99
7.00
8.00
17.50
288.80
361.00
30.93
796.62 Pd. by Atty.
9-12-94
THIS WRIT IS RETURNED STAYED DUE TO BANKUPTCY
Sworn and
subscribed to before me
day of J? atrl...~
Q ,
L..., (), ">ll.tif,--, J...O,J;;"
/ IProthonotary , I
So answers...~/ //
, ~~;'ef~1,e~...t
R. Thomas Kline, Sheriff
this J.3'.!::
1994, A.D.
by
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uty Sheriff
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUN1Y, PENNSYLVANIA
CIVIL ACTION..MORTGAGE FORECLOSURE
FEDERAL HOME LOAN MORTGAGE
CORPORATION
Plaintiff,
vs,
GREG L. ANDERSON, KAREN D, ANDERSON;
DORIS J, ANDERSON, individually and as heir of:
BLAKE E, ANDERSON, JR. and
THE UNITED STATES OF AMERICA
Defendants,
No, 1141 Civil 1994
AmDAVR or 8ElMCE or Honea or JIIEJUII' SALE or IlrAL nDdRI'Y
1. We, GOING & PLANK, are the attorneys for Plaintiff in the above-captioned case, and as such,
are and were authorized to execute this Affidavit and cffectthe actions hereinafter described,
2, In accordance with Pa,R,C,P, 3129,1 CI sc(j" we mailed on June 17, 1994 by certified mail,
restricted delivery, return receipt required, the Notice of Sheriff Sale of Real Properly in the above-
captioned matter, which Notice (exclusive of the legal description of the real properly attached to said
Notice as an exhibit) is attached hereto as "EXHIBIT A" and incorporated herein by reference, to the
following Defendant at her respective address: U,S, Attorney General,
3, Said legal description of the real properly attached to each of said Notice is attached hereto as
"EXHIBIT B" and incorporated herein by reference,
4. The Receipt for Certified Mail for said Notice is attached hereto as "EXHIBIT Coo and
incorporated herein by reference,
5, On June 24, 1994, said document was served upon and received by said Defendant, or by and
through her authorized agents, all of which is evidenced on the executed return receipt card attached
hereto as "Exhibit D" and incorporated herein by reference.
We verify that the statements made in this Affidavit are true and correct to the best of our
knowledge, information, or belief, We understand that false statements herein are made subject to the
penalties of 18 Pa,C.S, ~ 4904 relating to unsworn falsification to autho~ities,
DATED: August 15, 1994
By:
B a J, Harris
Attorneys for Plaintiff
140 East King Streel
Luncaster, PA 17602
(717-392-4131)
Atly, Id, No, 34393
..
r
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
Civil Acllon--Morlgng.: Foreclosure
FEDERAL HOME LOAN MORTGAGE
CORPORATION
Plaintiff,
vs.
GREG L, ANDERSON, KAREN D,:
ANDERSON, DORIS J. ANDERSON,
individually and as heir of
BLAKE E, ANDERSON, JR,
and THE UNITED STATES OF AMERICA
Defendanls,
No. 1141 Civil 1994
NOTICE OF SHERIFF SALE OF REAL PROPERTY
TO: GREG L. ANDERSON
4103 Clubhouse Drive
Mechanicsburg, PA 17055
KAREN D. ANDERSON
4103 Clubhouse Drive
Mechanicsburg, PA 17055
DORIS J. ANDERSON
individually and as heir of
BLAKE E. ANDERSON, JR.
4103 Clubhouse Road
Mechanicsburg, P A 17055
U,S, A'ITORNEY GENERAL
The United Slates of America
Washington, D.C. 20013
U,S A'ITORNEY, MIDDLE DISTRICT
Federal Building
228 Walnut Street
P.O. Box 11754
Harrisburg, PA 17108
TAKE NOTICE that on September 7, 1994 at 10:00 a,m. (prevailing local time), the Sheriff
of Cumberland County, Pennsylvania will sell the real property, together with any home and all other
improvements thereon, that is located at 4103 Clubhouse Drive, Mechanicsburg, Cumberland County,
Pennsylvania 17055. The real property is more fully described in Ihe attached legal description, which
is incorporated herein by reference, This sale will take place at the Cumberland County Courthouse,
South Hanover Street, Commissioners Hearing Room, 2nd Floor, Carlisle, Pennsylvania 17013, The
owners or reputed owners of the real property are as follows: GREG L. ANDERSON, KAREN D.
ANDERSON, DORIS J, ANDERSON, individually and as heir of BLAKE E. ANDERSON, JR,
This sale is being held pursuant to a writ of execution issued on the JUDGMENT entered in
favor of the above Plaintiff and against the above Defendant(s), which judgment is indexed to the
above docket number in the above Court of Common Pleas,
A SCHEDULE OF DISTRIBUTION showing who will receive the proceeds of the sale will be
posted in the Sheriffs Office within thirty (30) days after the sale date, and distribution of the sale
proceeds will be made in accordance with the Schedule unless you or someone else objects to the
proposed distribution by filing exceptions to it within ten (10) days after the posting of the Schedule.
-1-
,,[ ,/" j., I ,}'
'.
..
Information about the Schedule of Distribution may be obtained from the Sherifrs Office.
THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF THE SALE OF YOUR REAL
PROPERTY. This Notice has been sent to you because the above- described writ of execution has
been issued against you based upon the above-described judgment against you, This NoJice is
notifying you that your property is being held to be sold or taken to pay the above-described
judgment. You may have ]egal rights to prevent your property from being taken and sold. A lawyer
can advise you more specifically of these rights, If you wish to exercise your rights, you must act
promptly or vou may lose such rights,
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOW-
ING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP:
Court Administrator
Cumberland County Courthouse
4th Floor
Carlisle, PA 17013-3387
(717) 240-6200
YOU MAY HAVE THE FOLLOWING LEGAL RIGHTS (IN ADDITION TO OTHERS):
1. You may file a petition with the above Court of Common Pleas
in order to open or strike the judgment, or to stay or set aside the Sheriff Sale, if you feel that you
have a defense against the plaintiff, or if you are aware of a ]egal defect in the obligation or the
procedure used against you.
2. After the Sheriff Sale but before delivery of the Sherifrs deed to the real property, you also
may file a petition with the same Court of Common Pleas in order to set aside the sale for a grossly
inadequate price or for other proper causes.
3. You also may have the right to free legal help, If you wish to exercise any of the above
rights, or any other rights that you may have regarding the above matters, you must act promptly or
you mav lose such rights, A lawyer can advise you more specifically of the above rights and other
rights you may have. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF
YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE
THE OFFICE SET FORTH ABOVE TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
DATED: June 171994
By:
Bra ord J. Harris
Attorneys for Plaintiff
140 East King Street
Lancaster, PA 17602
(717) 392-4131
Attorney I,D. No, 34393
-2-
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ALL THAT CERTAIN lot of land and real estate, being Lot 16 shown on that certain Prelimi-
naryIFina1 Subdivision Plan for Golfview referred to in the within instrument, in Hampden Township.
Cumberland County, Pennsylvania, more particularly bounded and described in accordance with said
PreliminarylFinal subdivision Plan as follows:
BEGINNING at a point on the easterly edge and right-of-way line of Clubhouse Drive, which
beginning point is on the westerly end of the common boundary line between Lot 16 herein described
and Lot 15 of Golfview situate to the south thereof; thence along the easterly edge of Clubhouse Drive
along n curve to the right an arc distance of 11.83 feet to a point; thence along the easterly edge of
Clubhouse Drive, North 25 degrees, 09 minutes, 50 seconds West, a distance of 70.56 feet to a point;
thence along a curve to the right, an arc distance of 29,71 feet to n point; thence along the southerly
edge of Clubhouse Drive North 59 degrees, 56 minutes, 15 seconds East, 120.04 feet to a point; thence
along the common boundary line between Lot 16 herein described and Lot 18 of Golfview, South 29
degrees, 20 minutes, 38 seconds East, a distance of 100,01 feet to n point thence along the common
boundary line between Lot 16 herein described and Lot 15 of Golfview, South 59 degrees, 56 minutes,
15 seconds West, a distance of 142.28 feet to a point on the eastern side of Clubhouse Drive, the point
of BEGINNING.
BEING THE SAME PREMISES which S & A Custom Built Homes, Inc, n Pennsylvania Corporation,
by deed dated February 22, 1990 and recorded March 2, 1990 in the Recorder of Deeds Office in nnd
for Cumberland County, Pennsylvania in Deed Book L-34, Page 35, grnnted nnd conveyed unto Greg
L. Anderson and Karen D. Anderson, his wife and Blake E, Anderson, Jr, and Doris J, Anderson, his
wife, Joint Tennnts with the Right of Survivorship as Between the Married Parties.
Tax Map No, 18-1314-114
Seized in execution under Judgment No. 1141 Civil 1994 in the Court of Common Pleas of
Cumberland County, Pennsylvania and sold as the property of GREG L, ANDERSON, KAREN D.
ANDERSON, DORIS J. ANDERSON, individunlly and ns heir of BLAKE E. ANDERSON, JR.
, 'j / '. il. I ,f ~
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~ ReceIpt for
Certified Mall
N No Insurance Co'Illroge ProvIded
__ 00 nol U88 IoIlntomallonal M811
(See RIMIII8)
"U'."s. ATTORNEY GENERAL
'Yllr'ltNITED STATES OF AMER CA
P~A'!mnll!"Tlm. DC 20013
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TO THE PROTHONOTARY:
Please issue a writ of execution in favor of Plaintiff and against Defendanl UNITED STATES OF
AMERICA for foreclosure and sale of the below real property and Defendants GREG L, ANDERSON,
KAREN D. ANDERSON, DORIS J, ANDERSON, individually and as heir of BLAKE E, ANDERSON,
JR. directing the Sheriff of Cumberland County, Pennsylvania to levy upon and sell the real property of
Defendants located at 4103 Clubhouse Drive, Mechanicsburg, Cumberland County, Pennsylvania 17055,
which property is more fully described in the legal description attached hereto and incorporated herein
by reference, for the following:
Amount Due. , , . , . . , . , . , . . . , . , , , , , , , . . ,,$ 163,494,44 .j
Interest at 9,875% per annum ($38,33 per diem)
from 5/19/94 to 917194. , , . , . , , . , , , , , , , , , , . , , $
4,292,96
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION..MORTGAGE FORECLOSURE
FEDERAL HOME LOAN MORTGAGE
CORPORATION
Plaintiff,
.
,
vs. :
GREG L, ANDERSON, KAREN 0, ANDERSON;
DORIS J, ANDERSON, individually and as heir of:
BLAKE E. ANDERSON, JR. and
THE UNITED STATES OF AMERICA
Defendants.
No, 1141 Civil 1994
1'IW7.aI'.I lOa WIlD' 0' EDCV110N
(Mortgage Foreclosure)
Late Charges at $62,96 per month from
6/94 to 8/94 . . , , , , , , , . , . , . , , , . , , , , , , , . , . , .$
188,88
Escrow charges at $230,34 per month from
6/94 to 9/94, , , . , , , , , . , , , , , . , . , . , . . , , , . , . , $
921.36
_% collection fee (not included
"d db" d" $
In JU gment an a ove amount ue".",.",.
Other (
), , , . , , , , , , . $
TOTAL ~
168,897.64,
plus, 10 Ihe dale of
seUlemenl, Inleresl al 9,875%
per annum (538,33 pcr diem)
from 9/8194, lale charges al
562,96 pcr month from 9194.
escrow charges al 5230,34 per
monlh from 10194. plus costs
DATED: June 9, 1994
ra 0 J, Harris
Attorneys for Plaintiff
140 East King Street
LlIncasler, PA 17602
(717) 392-4131
Attorney 1.0. No, 34393
By:
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ALL THAT CERTAIN lot of land and real estate, being Lot 16 shown on that certain Prelimi-
narylFinal Subdivision Plan for Golfview referred to in the within instrument, in Hampden Township.
Cumberland County, Pennsylvania, more particularly bounded and described in accordance with said
PreliminarylFinal subdivision Plan as follows:
BEGINNING at a point on the easterly edge and right-of-way line of Clubhouse Drive, which
beginning point is on the westerly end of the common boundary line between Lot 16 herein described
and Lot 15 of Golfview situate to the south thereof; thence along the easterly edge of Clubhouse Drive
along a curve to the right an arc distance of 11.83 feet to a point; thence along the easterly edge of
Clubhouse Drive, North 25 degrees, 09 minutes, 50 seconds West, a distance of 70.56 feet to a point;
thence along a curve to the right, an urc distunce of 29.71 feet to u point; thence along the southerly
edge of Clubhouse Drive North 59 degrees, 56 minutes, 15 seconds East, 120.04 feet to u point; thence
along the common boundary line between Lot 16 herein described und Lot 18 of Golfview, South 29
degrees, 20 minutes, 38 seconds East, a distance of 100.01 feet to u point thence along the common
boundary line between Lot 16 herein described and Lot 15 of Golfview, South 59 degrees, 56 minutes,
15 seconds West, a distance of 142.28 feet to a point on the eastern side of Clubhouse Drive, the point
of BEGINNING.
BEING THE SAME PREMISES which S & A Custom Built Homes, Inc. a Pennsylvania Corporation,
by deed dated February 22, 1990 and recorded Murch 2, 1990 in the Recorder of Deeds Office in and
for Cumberland County, Pennsylvania in Deed Book L-34, Page 35, granted and conveyed unto Greg
L. Anderson and Karen D. Anderson, his wife and Blake E. Anderson, Jr. and Doris J. Anderson, his
wife, Joint Tenants with the Right of Survivorship as Between the Married Parties.
Tux Map No. 18-1314-114
Seized in execution under Judgment No. 1141 Civil 1994 in the Court of Common Pleas of
Cumberland County, Pennsylvania and sold as the property of GREG L. ANDERSON, KAREN D.
ANDERSON, DORIS J. ANDERSON, individually and as heir of BLAKE E. ANDERSON, JR.
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUN1Y, PENNSYLVANIA
CIVIL ACTION..MORTGAGE FORECLOSURE
FEDERAL HOME LOAN MORTGAGE
CORPORATION
Pluintiff,
vs.
GREG L. ANDERSON, KAREN D. ANDERSON;
DORIS J. ANDERSON, individually and us heir of:
BLAKE E. ANDERSON, JR. and
THE UNITED STATES OF AMERICA
Defendants.
No. 1141 Civil 1994
AFFIDAVIT PURSUANT TO RULE 3129.1 el sea.
Plaintiff now sets forth as of the date the praecipe for the writ of execution was filed in the
above-captioned action the following information concerning the real property located at 4103 Clubhouse
Drive, Mechanicsburg, Cumberland County, Pennsylvania 17055;
1. Name and address of the owner(sl or reputed owner(sl:
GREG L. ANDERSON, 4103 Clubhouse Drive, Mechanicsburg, Pennsylvania 17055
KAREN D. ANDERSON, 4103 Clubhouse Drive, Mechanicsburg, Pennsylvania 17055
DORIS J. ANDERSON, individually and as heir of Blake E. Anderson, Jr., 4103 Clubhouse
Drive, Mechanicsburg, Pennsylvania 17055
2. Name and address oC the deCendanHsl in the iudement:
GREG L. ANDERSON, 4103 Clubhouse Drive, Mechanicsburg, Pennsylvania 17055
KAREN D. ANDERSON, 4103 Clubhouse Drive, Mechanicsburg, Pennsylvania 17055
DORIS J. ANDERSON, individually and as heir of Blake E. Anderson, Jr., 4103 Clubhouse
Drive, Mechanicsburg, Pennsylvania 17055
THE U.S. ATTORNEY GENERAL, United States of America, Washington, D.C. 20013
U.S. ATTORNEY, MIDDLE DISTRICT, Federal Building, 228 Walnut Street, P.O. Box 11754,
Harrisburg, PA 17108
-1-
3. Name and address oC every ludement creditor whose judgment Is a record lien on the real property to
be sold:
FEDERAL HOME LOAN MORTGAGE CORPORATION, 1410 Springhill Road, Mclean, VA
22102
DAUPHIN DEPOSIT BANK & TRUST COMPANY, 213 Market Street, Harrisburg, PA 17105
HAMILTON BANK, 1097 Commercial Avenue, East Petersburg, PA 17520
BUREAU OF COMPLIANCE, Dept. 280946, Harrisburg, PA 17101
INTERNAL REVENUE SERVICE, District Director, 600 Arch Street, Philadelphia, PA 19106,
Attn: Chief, Special Procedures Section
4. Name and address oC the last recorded holder oC everY morteaee oC record:
FEDERAL HOME LOAN MORTGAGE CORPORATION, 1410 Springhill Road, Mclean, VA
22102
DAUPHIN DEPOSIT BANK & TRUST COMPANY, 213 Market Street, Harrisburg, PA 17105
5. Name and address oC every other person who has anv record lien on the property:
none
6. Name and address oC every othcr pcrson who has any record interest in the property and whose
interest may be affected by the sale:
none
7. Name and address oC every other person whom Plaintiff has know1edee who has anv interest in the
property that may be affected by the sale:
GREG L. ANDERSON, 4103 Clubhouse Drive, Mechanicsburg, Pennsylvania 17055
KAREN D. ANDERSON, 4103 Clubhouse Drive, Mechanicsburg, Pennsylvania 17055
DORIS J. ANDERSON, individually and as heir of Blake E. Anderson, Jr., 4103 Clubhouse
Drive, Mechanicsburg, Pennsylvania 171155
-2-
'."..."",
THE U.S. ATTORNEY GENERAL, United States of America, Washington, D.C. 20013
U.S. ATTORNEY, MIDDLE DISTRICT, Federal Building, 228 Walnut Street, P.O. Box 11754,
Harrisburg, PA 17108
DOMESTIC RELATIONS OFFICE, Cumberland County Court of Common Pleas, P.O. Box 320,
Carlisle, PA 17013
We verify that the statements made in this affidavit are true and correct to the best of our
knowledge, information, or belief. We understand that false statements herein are made subject to the
penalties of 18 Pa.C.S. ~ 4904, relating to unsworn falsification to authorities. We are the attorneys for
Plaintiff, and as such, are authorized to execute this affidavit on it's behalf.
DATED: June 9, 1994
By:
B r J. Harris
Attorneys for Plaintiff
140 East King Street
Lancaster, PA 17602
(717) 392-4131
Attorney J.D. No. 34393
-3-
.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNlY, PENNSYLVANIA
Civil Actlon..Mortgage Foreclosure
FEDERAL HOME LOAN MORTGAGE
CORPORATION
Plaintiff,
vs.
GREG L. ANDERSON, KAREN D.:
ANDERSON, DORIS J. ANDERSON,
individually and as heir of
BLAKE E. ANDERSON, JR.
and THE UNITED STATES OF AMERICA
Defendants.
No. 1141 Civil 1994
.
.
NOTICE OF SHERIFF SALE OF REAL PROPERlY
TO: GREG L. ANDERSON
4103 Clubhouse Drive
Mechanicsburg, PA 17055
KAREN D. ANDERSON
4103 Clubhouse Drive
Mechanicsburg, PA 17055
DORIS J. ANDERSON
individually and as heir of
BLAKE E. ANDERSON, JR.
4103 Clubhouse Road
Mechanicsburg, PA 17055
U.S. ATTORNEY GENERAL
The United States of America
Washington, D.C. 20013
U.S ATTORNEY, MIDDLE DISTRICT
Federal Building
228 Walnut Street
P.O. Box 11754
Harrisburg, PA 17108
TAKE NOTICE that on September 7, 1994 at 10:00 a.m. (prevailing local time), the Sheriff
of Cumberland County, Pennsylvania will sell the real property, together with any home and all other
improvements thereon, that is located at 4103 Clubhouse Drive, Mechanicsburg, Cumberland County,
Pennsylvania 17055. The real property is more fully described in the attached legal description, which
is incorporated herein by reference. This sale will take place at the Cumberland County Courthouse,
South Hanover Street, Commissioners Hearing Room, 2nd Floor, Carlisle, Pennsylvania 17013. The
owners or reputed owners of the real property are as follows: GREG L. ANDERSON, KAREN D.
ANDERSON, DORIS J. ANDERSON, individually and as heir of BLAKE E. ANDERSON, JR.
This sale is being held pursuant to a writ of execution issued on the JUDGMENT entered in
favor of the above Plaintiff and against the above Defendant(s), which judgment is indexed to the
above docket number in the above Court of Common Pleas.
A SCHEDULE OF DISTRIBUTION showing who will receive the proceeds of the sale will be
posted in the Sheriffs Office within thirty (30) days after the sale date, and distribution of the sale
proceeds will be made in accordance with the Schedule unless you or someone else objects to the
proposed distribution by filing exceptions to it within ten (10) days after the posting of the Schedule.
-1-
..
Information about the Schedule of Distribution may be obtained from the Sheriffs Office.
THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF THE SALE OF YOUR REAL
PROPERlY. This Notice has been sent to you because the above- described writ of execution has
been issued against you based upon the above-described judgment against you. This Notice is
notifying you that your property is being held to be sold or taken to pay the above-described
judgment. You may have legal rights to prevent your property from being taken and sold. A lawyer
can advise you more specifically of these rights. If you wish to exercise your rights, you must act
promptly or vou mav lose such rights.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOW-
ING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP:
Court Administrator
Cumberland County Courthouse
4th Floor
Carlisle, PA 17013.3387
(717) 240-6200
YOU MAY HAVE THE FOLLOWING LEGAL RIGHTS (IN ADDmON TO OTHERS):
1. You may file a petition with the above Court of Common Pleas
in order to open or strike the judgment, or to stay or set aside the Sheriff Sale, if you feel that you
have a defense against the plaintiff, or if you are aware of a legal defect in the obligation or the
procedure used against you.
2. After the Sheriff Sale but before delivery of the Sheriffs deed to the real property, you also
may file a petition with the same Court of Common Pleas in order to set aside the sale for a grossly
inadequate price or for other proper causes.
3. You also may have the right to free legal help. If you wish to exercise any of the above
rights, or any other rights that you may have regarding the above matters, you must act Dromptlv or
you may lose such rights. A lawyer can advise you more specifically of the above rights and other
rights you may have. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF
YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE
THE OFFICE SET FORTH ABOVE TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
GOING & PLANK
DATED: June 9, 1994
By:
Bradford J. Harris
Attorneys for Plaintiff
140 East King Street
Lancaster, PA 17602
(717) 392-4131
Attorney 1.0. No. 34393
-2-
ALL THAT CERTAIN lot of land and real estate, being Lot 16 shown on that certain Prelimi-
narylFinal Subdivision Plan for Golfview referred to in the within instrument, in Hampden Township.
Cumberland County, Pennsylvania, more particularly bounded and described in accordance with said
PreliminarylFinal subdivision Plan as follows:
BEGINNING at a point on the easterly edge and right-of-way line of Clubhouse Drive, which
beginning point is on the westerly end of the common boundary line between Lot 16 herein described
and Lot 15 of Golfview situate to the south thereof; thence along the easterly edge of Clubhouse Drive
along a curve to the right an arc distance of 11.83 feet to a point; thence along the easterly edge of
Clubhouse Drive, North 25 degrees, 09 minutes, 50 seconds West, a distance of 70.56 feet to a point;
thence along a curve to the right, un arc distance of 29.71 feet to a point; thence along the southerly
edge of Clubhouse Drive North 59 degrees, 56 minutes, 15 seconds Eust, 120.04 feet to a point; thence
along the common boundary line between Lot 16 herein described and Lot 18 of Golfview, South 29
degrees, 20 minutes, 38 seconds East, a distance of 100.01 feet to a point thence along the common
boundary line between Lot 16 herein described and Lot 15 of Golfview, South 59 degrees, S6 minutes,
15 seconds West, a distance of 142.28 feet to a point on the eastern side of Clubhouse Drive, the point
of BEGINNING.
BEING THE SAME PREMISES which S & A Custom Built Homes, Inc. a Pennsylvania Corporation,
by deed dated February 22, 1990 and recorded March 2, 1990 in the Recorder of Deeds Office in and
for Cumberland County, Pennsylvania in Deed Book L-34, Page 35, granted and conveyed unto Greg
L. Anderson and Karen D. Anderson, his wife and Blake E. Anderson, Jr. and Doris J. Anderson, his
wife, Joint Tenants with the Right of Survivorship as Between the Married Parties.
Tax Map No. 18-1314-114
Seized in execution under Judgment No. 1141 Civil 1994 in the Court of Common Pleas of
Cumberland County, Pennsylvania and sold as the property of GREG L. ANDERSON, KAREN D.
ANDERSON, DORIS J. ANDERSON, individuully and as heir of DLAKE E. ANDERSON, JR.
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IN THE COURT OF COMMON PLEAS 01<' CUMBERLAND COUNlY, PENNSYLVANIA
CIVIL ACTION..MORTGAGE FORECLOSURE
FEDERAL HOME LOAN MORTGAGE
CORPORATION
Plaintiff,
vs.
GREG L. ANDERSON, KAREN D. ANDERSON;
DORIS J. ANDERSON, individually and as heir of:
BLAKE E. ANDERSON, JR. and
THE UNITED STATES OF AMERICA
Defendants.
No. 1141 Civil 1994
PIW!'.CIPE TO EN'J.'IIl mrIJIATID ~MENT
TO THE PROTHONOTARY:
In accordance with the attached Stipulation, please enter judgment in favor of Plaintiff Federal
Home Loan Mortgage Corporation and against Defendant United States of America for foreclosure and
sale of the mortgaged property in the above-captioned action, exclusive of costs.
DATED: May 25, 1994
GOING & PLANK
By: '~~~'1'1.Q l5tr:,~
I;.~ Bradford J. Harris
Attorneys for Plaintiff
140 East King Street
Lancaster, PA 17602
(717) 392-4131
Attorney J.D. No. 34393
, 19 '1"'4; judgment is hereby entered in the above-
I;'
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) IN THE COURT OF COMMON PLEAS
) OF COUNTY OF CUMBERLAND,
) PENNSYLVANIA
)
) CIVIL ACTION - LAW
)
) NO. 1141 CIVIL 1994
)
)
)
FEDERAL HOME LOAN MORTGAGE CORP.
Plaintiff
GREG L. ANDERSON, KAREN ANDERSON,
DORIS J.ANDERSON, heir of
BLAKE E. ANDERSON, JR. and
UNITED STATES OF AMERICA
Defendants
S TIP U L A T ION
It is hereby stipulated and agreed by and between
counsel for plaintiff, and the defendant, United States of
America, as follows:
1. That the premises referred to in Exhibit "B"
of the Amended Complaint is owned by the defendants, GREG L.
ANDERSON, KAREN ANDERSON, DORIS J. ANDERSON, and BLAKE E.
ANDERSON, JR. (now deceased).
2. That the Federal tax liens referred to in
paragraph "5" of the plaintiff's Amended Complaint in the amounts
of $19,U521.75 and $5,879.16 are junior in time to the
plaintiff's mortgage set forth in paragraph "13" of said Amended
Complaint.
3. That the defendant, United States of America,
agrees to the entry in this action of a judgment in favor of the
plaintiff.
4. That the Defendant, United States of America,
is not indebted to the Plaintiff.
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5. That the aforesaid premises shall be sold at a
judicial sale, notice of which shall be served on the defendant,
United states of America.
6. That the judicial sale of said property shall
discharge the Federal Tax Liens referred to in paragraph "5" of
Plaintiff's Amended Complaint.
7. That the proceeds of sale shall be divided and
distributed as the parties may be entitled and any funds due the
United states shall be sent to the Financial Litigation unit,
United states Attorney's office, suite 309, Federal Building,
scranton, Pennsylvania 18501.
8. That the defendant, united states of America,
preserves its right of redemption as provided in Title 28, United
states Code, section 2410.
9. The parties to this stipulation shall bear
their own respective costs in this proceeding.
DAVID M. BARASCH
united states Attorney
By: '\A...~ \~
MICHAEL J .--KANE
Assistant U. S. Attorney
Attorneys for Defendant,
Unite states of America
,
J. HARRIS, ESQUIRE
for Plaintiff
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Office 01 Prothonotary 01 Court 01 Common Plaas ol!lliYilMiliH:odntv, Pa.
NOTICE OF ENTRY
OF JUDGMENT, ORDER OR DECREE
Federal lIome Loan Mortgnge I
Corporation Plalntlff/s. I
VS. I
Greg L. Anderson, Karen D. Anderson, I Equity Docket page
Doria J. Anderson, et ,,}. Delendant/s. I " ,......,..
Pursuentto requirements 01 Penna. Civil Procedural Rule #236, you.are notllle.l iAiltlJhere was
~ . ..
entered In this office tadey, In the ebove,ceptloned ce.. - .': .....'"
G. Judgment 01 $vvvvvvv,'vvxlor Plalnt;ff/s and egalnst Delendant/s. '.~ " ",
o Judgment lor Delendent/s and eg.ll151 Plalntiff/s. . ,', ''\.' \,
o Order or Decree in lavor 01 I,' ",.' I' \ ,
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Dated: _ f\ ~ I ft(f 'I ./ PROTHONOTARY" ."
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1995
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United States of America
Washington, DC 20013
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Office of Prothonotery of Court of Common Plees of~ll:fsi'&~nty, Pe.
NOTICE OF ENTRY
OF JUDGMENT, ORDER OR DECREE
Federal 1I0me Loan Hortgage I
Corjlpration Plalntlff/s, I
vs. )
Greg 1.. Anderaon. Illlren D. Andernon I Equltv Docket page
Doria j. AnderRon, et al. Defendant/s.) . ,.0 """"'"
Pursuentto requirements of Penna, Civil Procedural Rule #236, you are notifled:th_t ~here was
. ,
entered In this office today, In the above.captioned cest - 'I ' I
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1994
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNlY, PENNSYLVANIA
CIVIL ACTION..MORTGAGE FORECLOSURE
FEDERAL HOME LOAN MORTGAGE
CORPORATION
PllIintiff,
vs. :
GREG L. ANDERSON, KAREN D. ANDERSON;
DORIS J. ANDERSON, individually and as heir of:
BLAKE E. ANDERSON, JR. and :
THE UNITED STATES OF AMERICA
Defendants.
No. 1141 Civil 1994
.
.
PRAECIPE TO ENTER DEFAULT .JUDGMENT
TO THE PROTHONOTARY:
Because Defendants GREG L. ANDERSON, KAREN D. ANDERSON, DORIS J. ANDERSON,
individually and as heir of BLAKE E. ANDERSON, JR. has failed to file within the required time an
answer to the Complaint and Notice to Defend filed and duly served upon said Defendants in the above
matter, please enter judgment in accordance with Pa. R.C.P. 1037 in favor of Plaintiff and against said
Defendllnts as follows:
Amount Due per Complaint. . . . . . . . . . . . . . . . . $ 160,300.68
Interest at 9.875% per annum ($38.33 per diem)
from 3/24/94 to 5/18/94. . . . . . . . . . . . . . . . . . . . . .$
2,146.48
Late Charges at $62.96 per month from
4/94 to 5/94 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$
Escrow charges at $230.34 per month from
2194 to 5/94. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $
TOTAL $
125.92
921.36
163,494.44,
plus inleresl from 5119194
al 9.875% per annum ($38.33
per diem), plus late charges
al $62.96 per month from
6194, plus escrow charges al
$230.34 per month from 6194,
plus COSIS
We hereby certify that written notice of intention to enter default judgment against said Defendants
was mailed to each Defendant in accordance with Pa.R.C.P. 237.1 and that a true and correct copy of each
said notice is attached hereto and incorporated herein by reference.
DATED: May 18,1994
By:
, t liS
as hereinabove directed.
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,
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNlY, PENNSYLVANIA
CML ACTION..MORTGAGE FORECLOSURE
FEDERAL HOME LOAN MORTGAGE
CORPORATION
Plaintiff,
vs.
GREG L. ANDERSON, KAREN D. ANDERSON;
DORIS J. ANDERSON, individually and as heir of:
BLAKE E. ANDERSON, JR. and
THE UNITED STATES OF AMERICA
D1POIl1'ANT NonCE
No. 1141 Civil 1994
1'0: GREG L. ANDERSON
4103 Clubhouse Drive
Mechanicsburg, PA 17055
KAREN D. ANDERSON
4103 Clubhouse Drive
Mechanicsburg, P A 17055
DORIS J. ANDERSON
individually and as heir of
Blake E. Anderson, Jr.
4103 Clubhouse Drive
Mechanicsburg, PA 17055
DATE OF NOTICE: May 4,1994
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION REQUIRED
OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF
THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING, AND
YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE
THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT
AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT
WHERE YOU CAN GET LEGAL HELP.
Court Administrator
Cumberland County Courthouse
4th Floor
Carlisle, PA 17013-3387
(717) 240-6200
-1-
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N011CIA DfPORTANTE
A: GREG L. ANDERSON
4103 Clubhouse Drive
Mechanicsburg, P A 17055
KAREN D. ANDERSON
4103 Clubhouse Drive
Mechanicsburg, PA 17055
DORIS J. ANDERSON
individually and as heir of
Blake E. Anderson, Jr.
4103 Clubhouse Drive
Mechanicsburg, P A 17055
FECHA DE NOTICIA: May 4, 1994
USTED NO HA COMPLIDO CON EL AVISO ANTERIOR PORQUE HA FALTADO EN
TOMAR MEDIDAS REQUERIDAS RESPECTO A ESTE CASO. SI USTED NO ACTUA DENTRO
DE DIEZ (10) DIAS DESDE LA FECHA DE ESTA NOTICIA, ES POSIBLE QUE UN FALLa
SERIA REGISTRADO CONTRA USTED SIN UNA AUDIENCIA Y USTED PODRIA PERDER SU
PROPIEDAD 0 OTROS DERECHOS IMPORTANTES. USTED DEBE LLEVAR ESTA NOTICIA
A SU ABOGADO EN SEQUIDA. SI USTED NO TIENE ABOGADO 0 NO TIENE CON QUE
P AGAR LOS SERVICIOS DE UN ABOGADO, VA Y A 0 LLAME A LA OFICINA ESCRIT A ABAJO
PARA AVERIGUAR A DONDE USTED PUEDE OBTENER LA AYUDA LEGAL.
Court Administrator
Cumberland County Courthouse
4th Floor
Carlisle, PA 17013-3387
(717) 240-6200
By:
ra ord J. Harris
Attorneys for Plaintiff
140 East King Street
Lancaster, PA 17602
(717) 392-4131
Attorney 1.0. No. 34393
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION..MORTGAGE FORECLOSURE
FEDERAL HOME LOAN MORTGAGE
CORPORATION,
Plaintiff,
vs.
No. 1141 Civil 1994
GREG L. ANDERSON, KAREN D. ANDERSON,
DORIS J. ANDERSON, individually and as heir of
BLAKE E. ANDERSON, JR. and
THE UNITED STATES OF AMERICA,
Defendants.
AFFIDAVIT THAT DEFENDANT IS NOT IN THE MILITARY SERVICE, PURSUANT
TO THE SOLDIERS' AND SAILORS' CIVIL RELIEF ACT OF 1940. AS AMENDED
I Mary McGrath
,
, hcrcby depose and state that I am the Vice President of GMAC Mortgage
Corporation ofPA, servicing agent for Plaintiff FEDERAL HOME LOAN MORTGAGE CORPORATION; that
as such, I am authorizcd to make this Affidavit on behalf of Plaintiff; that to the best of my knowlcdgc,
information, or belief, GREG L. ANDERSON, a Defendant in the above-captioncd action, is not in the military
or naval serviccs of the United States of America, bascd upon thc following facts regarding said Defendant as
of the date of this Affidavit:
Age: Ovcr 18
Last Known Placc of Employment:
Unknown
Last Known Place of Rcsidcnce: 4103 Clubhouse Drive, Mechanicsburg. PA 17055
ADDITIONAL FACTS (if any):
1 vcrify that the statements made in this Affidavit are true and corrcct to the bcst of my knowlcdge,
information, or belief. I understand that false statcments hcrein made are subject to the pcnalties of 18 Pa.C.S.
~ 4904, relating to unsworn falsification to authorities.
DATED: JO'nh..ilru'y ?I\, 1QQ6
~))l~Uo
( ignaturc)
,.
..
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION--MORTGAGE FORECLOSURE
FEDERAL HOME LOAN MORTGAGE
CORPORATION,
Plaintiff,
vs.
No. 1141 Civil 1994
GREG L. ANDERSON, KAREN D. ANDERSON,
DORIS J. ANDERSON, individually and as heir of
BLAKE E. ANDERSON, JR. and
THE UNITED STATES OF AMERICA,
Defendants.
AFFIDAVIT THAT DEFENDANT IS NOT IN THE MILITARY SERVICE, PURSUANT
TO THE SOLDIERS' AND SAILORS' CIVIL RELIEF ACT OF 1940. AS AMENDED
I, Mary McGrath
, hereby dcposc and state that I am the Vice President of GMAC Mortgage
Corporation ofPA, servicing agent for Plaintiff FEDERAL HOME LOAN MORTGAGE CORPORATION; that
as such, I am authorized to make this Affidavit on behalf of Plaintiff; that to the best of my knowledge,
information, or belief, DORIS J. ANDERSON, a Defendant in the above-captioned action, is not in the military
or naval services of the United States of America. based upon the following facts regarding said Defendant as
of the date of this Affidavit:
Age: Over 18
Last Known Place of Employment:
Unknown
Last Known Place of Residence: 4103 Clubhouse Drive. Mechanicsburg, PA 17055
ADDITIONAL FACTS (if any):
I verify that the statements made in this Affidavit arc true and correct to the best of my knowledge,
information, or belief. I understand that false statements herein made are subject to the penalties of 18 Pa.C.S.
~ 4904, relating to unsworn falsification to authorities.
DATED: February 25, 1994
(Signature)
':'w
..-..
,
.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION-.MORTGAGE FORECLOSURE
FEDERAL HOME LOAN MORTGAGE
CORPORATION,
Plaintiff,
vs.
No. 1141 Civil 1994
GREG L. ANDERSON, KAREN D. ANDERSON,
DORIS J. ANDERSON, individually and as heir of
BLAKE E. ANDERSON, JR. and
THE UNITED STATES OF AMERICA.
Defendants.
AFFIDAVIT THAT DEFENDANT IS NOT IN THE MILITARY SERVICE, PURSUANT
TO THE SOLDIERS' AND SAILORS' CIVIL RELIEF ACT OF 1940. AS AMENDED
I, Mary McGrath
, hereby depose and state that I am the Vice Presidcnt of GMAC Mortgage
Corporation ofPA, servicing agcnt for Plaintiff FEDERAL HOME LOAN MORTGAGE CORPORATiON; that
as such, I am authorizcd to make this Affidavit on behalf of Plaintiff; that to the bcst of my knowledge,
information, or bclief, KAREN D. ANDERSON. a Dcfcndant in the abovc-captioned action, is not in thc
military or naval services of thc Unitcd Statcs of America, based upon the following facts regarding said
Defcndant as of the datc of this Affidavit:
Age: Ovcr 18
Last Known Place of Employment:
Unknown
Last Known Place of Rcsidcnce: 4103 Clubhouse Drive. Mechsnicsburg, PA 17055
ADDITIONAL FACTS (if any):
I verify that the statcmcnts made in this Affidavit are true and corrcct to the best of my knowledge,
information, or belief. I understand that false statcmcnts hcrein made are subject to the penalties of 18 Pa.C.S.
~ 4904, relating to unsworn falsification to authoritics.
DATED: February'S. lqq4 "6'k, \(tL l P....J L
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Cumberland
Office of Prothonotery of Court of Common Plees of unouur County, PI.
NOTICE OF ENTRY
OF JUDGMENT, ORDER OR DECREE
Federal Home Loan NortguK"
Corporation I
Plllntlff/s, I
Greg 1.. AnderRon, '!laran n. Anderson, : E ult Dockel
lJorin J. Andt!raon, individlllJolli.nil4h'!is, I q y pege
016 h\l&~urnt; IS \R.\)lire~'en""cIr'Pei\R", 'clJif Pr.rclid&~I' Rule #236, you Ire notified Ihlt there WIS
entered In Ihls officI todlY, in Ihe lbove.ceptloned else - . ,,' "',
fJ Judgment of $1 U 1.01. t.6 for Plllnliff/sand 1ge1nst Dlflndlnt/s.' : " """
o Judgment for Dele,,'dant/s and agaln51 Plalnllff/s, ,,' ,.,','.' '.'.
oorderor:ecre~17nfav~rJ,f ;'''/~Lll'II''I'( r (~~";,I;, ",Il~,,-,
Daled: :J . ,,.I. .. ,,; '1_ ;:PROTHONOTARr....jl;1.l
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4103 Clubhouse Drive
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Office of Prothonotary of Court of Common Pleas of t~County. PI.
NOTICE OF ENTRY
OF JUDGMENT, ORDER OR DECREE
Federal 110... Lonn Mortgage I
Corporatton Plalntlff/s, II
vs.
Greg L. Anderson, Raren O. Anderson, I Equity Docket
Onris J. Anderson, individunl!lllendmtls. I
nn hl'i1i'iuaWi tll~refue~'O\I:1!lIMla,Civlt Pnicedural Rule #236. you are notified that there was
entered In this office today. in the above.captloned cese _ " "",
aI Judgment of $ 161.1,94.44 for Plaintlfl/s and against Defendant/s. ".
o Judgment for Defendant/s and against Plalntiff/s.
o Order or Decree In favor of
/)) 7 t1 fl-
Deted: ~ _. _
19
, # t 141 Civil
i994
page
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Dorin J. Anderson
4103 Clubhouse Drive
Meehanuesburg, PA 17055
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CLlm!!erland
Office of Prothonotery of Court of Common Pleas of>ll'eIIlIiIil<ItJCountv. Pa.
NOTICE OF ENTRY
OF JUDGMENT, ORDER OR DECREE
Federal Home Loan Hortgol\e )
Corporation Plalntlff/s. )
. ~~ )
c..rcg L. Ande1"son, Koren D. Andernon. )
EqultV Docket page
Doris J. Andernon, indiv idUiliJeYer{It'il/lvs. )
os I!fPLtsLlil~t D,lIe\liGlrhnen'li>llfPmHl, Clvft Pl6cedural Rule #236. you are notified that there was
entered In this office today. In the above,captioned case -
Gl Judgment of $ 1 1'.1 1.0/. 1./, for Plalntlll/s end against Defendant/..
o Judgment for Defendant/s and agJ;"st Plalntlff/s.
o Order or Decree In favor of
!J do 7. (( 4.
19
, #1141 Civil
1994
Dated:
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'PROTHONOTARY -. J -
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Raren D. Anderson
4103 Clubhouse Drive
Mechallicsburg, PA 17055
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COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
In the Court of Common Pleas of
Cumberland County, Pennsylvania
No. 1141 Civil Term 1994
Complaint In Mortgage Foreclosure
and Notice
Federal Home Loan Mortgage Corporation
VS
Greg L. Anderson, Karen D, Anderson and
Doris J. Anderson, individually and as heir
of Blake E. Anderson, Jr. and The United
States of America
Leroy Hippensteel, Deputy Sheriff, who being duly sworn according
to law, says that on March 16, 1994 at 5:04 o'clock P.M., E.S,T., he served
a true copy of the within Complaint in Mortgage Foreclosure, in the above
entitled action, upon the within named defendants, to wit: Greg L. Anderson,
Karen D. Anderson and Doris J. Anderson, individually and as heir of Blake
E. Anderson, Jr., by making known unto Karen Anderson, defendant, wife of
Greg L. Anderson and Daughter-In-Law of Doris J. Anderson, at 4103 Clubhouse
Drive, Mechanicsburg. Cumberland County, Pennsylvania, its contents and at
the same time handing to her personally the said true and attested copy
of the same.
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: The United States of America, but was unable to locate them in
his bailiwick. He therefore deputized the Sheriff of Dauphin County,
Pennsylvania, to serve the within Complaint in Mortgage Foreclosure and Notice
according to law.
DAUPHIN COUNTY RETURN: AND NOW: March 15, 1994 at 2:32 P.M.
served the within Complaint in Mortgage Foreclosure upon The United States of
America by personally handing to Sally Bolton, Secretary and person in charge
at time of service a true attested copy of the original Complaint in Mortgage
Foreclosure and making known to her the contents thereof at Federal Building
228 Walnut Street. Harrisburg, Dauphin County, Pennsylvania. So answers:
William H. Livingston, Sheriff of Dauphin County, PA. By Michael Rinehart,
Deputy Sheriff.
Dauphin County return hereto attached.
Sheriff's Costs:
Docketing
Service
Surcharge
Out of County
Dauphin County
~~~~1.,.~: /~~
-r " .- ? .
R. Thomas KLine. Sheriff
26.00
7.28
8.00
5.00
17.50
63.78 Pd, by Atty.
3-18-94
BY ){"::.t"/ H.;J""~M~~T
D~ty sh?r'iff
Sworn and Subscribed to Before Me
This ;),/":'- OilY of ~/,.../
1994. A.D. C\ -. _ O.M.uo.
~notary
. (.~..-
.
.
\
.
COMMONWEALTH OF PENNA:
COUNTY OF DAUPHIN:
SHERIFF'S RETURN
NO. 1141 Civil 1994
PAGE 443
AND NOW: March 15, 19 94 .at 2:32 PM.
WITHIN COMPlAIN!' IN l-DRTGAGE FORECLOSURE
SERVED THE
UPON
BY PERSONALLY
The United States of America
HANDING TO
Sally Bolton, Sec'y and person in charge at time of service
A TRUE ATTESTED COpy OF THE ORIGINAL COMPLAIN!' IN MIGE. FORECLOSURE
AND MAKING KNOWN TO Her THE CONTENTS THEREOF AT Federal Bldg.
228 Walnut St., Harrisburg, Dauphin County, Penna.
SO ANSWERS
CW';.....
. . .
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SHER I FF OF DAUPH I N C61fNTV;' 'PENNA
BY
~L. 4: /7 ../,
~.. '(;rv-.rL
DEPUTY SHERIFF
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,
Sworn and subscribed to
b,for' ~ tbi. i6tb "1\ "'reh"
3ffp~1'J t. llL}C!.~~."'..~
PjOTHONOTARY
94
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SHERIFF'S COST $
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,4" 'I nEl OlJ CT =mmO:i i'" a:s OT \..:J:-.::.::;;;t'l::n.... .....~u';';:.y, ' snr:sy ve:nlo
Federal Home Loan Mortgage Corporation
'is.
The United States of ~erica
~o.
lldl ~iv1J Tgr~ 199~
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" March 10
.,ow.
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STATE OF PENNSYLVANIA,
COUNTY OF CUMBERLAND
} ss.
Robert P Ziegler
I, ______________________________________________________________________________Recorderof
Deed, in and for ,aid Count)' and Slale do hereby certily that Ihe Sherilr. Deed in which ----------------
Federal Home Loan Mtg Corp .
___________________________ .____________________ ____________________________________ .. the grantee
Ihe sam. having been .old 10 said grant.e on th. ____?_:~_______________________________________ day of
_____:~_~~______________________________ A. D., 19n~~_n. und.r and by virtu. of a writ______________
Execution . 13th
________________________________________________~uedonth._____________________________________
March 95
day of __________________________ A. D., t9______. out of Ih. Court of Cornman PI... of said County as of
Civil 94
_______________________________. _________________ _________________________________ T.nn, 19_______
1141 . Federal Home Loan Mtg Co
~umber______________,atth..ultof ______________________________________________________---------
BGre~ L AKaren D'JDoris J Anderson
. laKll E naerson r nel rs
h. '..
-----------------------------------agaln'.c1Tt1;ett-~trt~-l1f--ATne,.t~-~--------------
duty record.d in Sherifrs Deed Book No. _____~~_~___, Page ---.?~.?..----.
IN TESTIMONY WHEREOF, I bave h....unto
set m)' hand and seat of said olfi.. this __,22,,___ day
of _______2(L-::!._~_____________ A. D., 19_~~_
~-/---::r--R;;;d;-;rD;.u
Federal Homa Loan Mortgage Corp. In the Court of Common Pleas of
vs Cumberland County, Pennsylvania
Greg L. Anderson, Karen D. Anderson No. 94-1141 Civil Term
Doris J. Anderson individually and as heirs
of Blake E, Anderson Jr. and The United States of America
Wesley Cook, Deputy Sheriff, who being duly sworn according to
law, says on April 5, 1995 at 10.55 o'clock A.M., E.D.S.T., he
posted the property of Greg L. Anderson, Karen 0, Anderson, Doris J.
Anderson individually and as heirs of Blake E. Anderson Jr. and The
United States of America at 4103 Clubhouse Drive, Mechanicsburg,
Cumberland County, Pennsylvania with a copy of Real Estate Writ,
Notice Poster and Description according to law.
Wesley Cook, Deputy Sheriff, who being duly sworn according to
law, says on April 5, 1995 at 10:55 o'clock A.M" E,D,S.T., he
served true copies of Real Estate Writ, Notice, Poster and
Description in the above entitled action upon one of the within
named defendants, to wit. Greg L. Anderson by making know unto Karen
Anderson Wife of Greg L. Anderson at 4103 Clubhouse Drive,
Mechanicsburg, Cumberland County, Pennsylvania its contents and at
the same time handing to her personally the said true and attested
copies of the same.
Wesley Cook, Deputy Sheriff, who being duly sworn according to
law, says on April 5, 1995 at 10.55 o'clock A.M., E.D.S.T., he
served true copies of Real Estate Writ, Notice, Poster and
Description in the above entitled action upon one of the within
named defendants, to wit. Karen D. Anderson by making known unto
Karen Anderson at 4103 Clubhouse Drive, Mechanicsburg, Cumberland
County, Pennsylvania its contents and at the same time handing to
her personally the said true and attested copies of the same.
Wesley Cook, Deputy Sheriff, who being duly sworn according to
law, says on April 5, 1995 at 10.55 o'clock A.M., E.D.S.T., he
served true copies of Real Estate Writ, Notice, Poster and
description in the above entitled action upon one of the within
named defendants, to wit: Doris J. Anderson individually and as
heris of Blake E. Anderson Jr., by making known unto Karen Anderson
Daughter in law of Doris Anderson individually as heirs of Blake E.
Anderson Jr. at4103 Clubhouse Drive, Mechanicsburg, Cumberland
County, Pennsylvania its contents and at the same time handing to
herpersonally the said true and attested copies of the same.
R. Thomas Kline, Sheriff, who being duly sworn according to law
says that he served the above Real Estate Writ, Notice, Poster and
Description in the following manner. The Sheriff mailed one of the
within named defendants, to wit: Greg L. Anderson a notice of the
pendency of the action by regular mail to his last known address at
4103 Clubhouse Drive, Mechanicsburg, Pennsylvania 17055. This
letter was mailed under the date of April 6, 1995 and was never
returned to the Sheriff's Office.
R. Thomas Kline. Sheriff, who being duly sworn according to law
says that he served the above Real Estate Writ, Notice, Poster and
description in the following manner: The Sheriff mailed one of the
within named defendants, to wit. Karen D. Anderson a notice of the
pendency of the action by regular mail to her last known address at
4103 Cubhouse Drive, Mechanicsburg, Pennsylvania. This letter was
mailed under the date of April 6, 1995 and was never returned to the
Sheriff's Office.
R. Thomas Kline, Sheriff, who being duly sworn according to
law, says that he served the above Real Estate Writ, Notice Poster
and Description in the following manner: The Sheriff mailed one of
the within named defendants, to wit: Doris J. Anderson individually
and as heirs of Blake E. Anders Jor a notice of the pendency of the
action by regular mail to her last known address at 4103 Clubhouse
Drive, Mechanicsburg, Pennsylvania 17055. This letter was mailed
under the date of April 6, 1995 and was never returned to the
Sheriff's Office.
R. Thomas Kline, Sheriff, who being duly sworn according to
law, says he made diligent search and inquiry for one of the within
named defendants, to wit: United States of Americia but was unable
to locate them in his bailiwick. He therefore deputied the Sheriff
of Dauphin County, Pennsylvania, to serve the within Real Estate
Writ, Notice Poster and Description according to law.
DAUPIN COUNTY RETURN: AND NOW April 7, 1995 at 9:23 A.M. served
the within Real Estate Writ, Notice, Poster and Description upon
U.S. Attorney by personally handing to Sally Boulton Recpt. and
person in charge at time of service a true attested copy of the
original Real Estate Writ, Notice Poster and Description and making
known to her the contents thereof at Federal Bldg. 22B Walnut
Street, Harrisburg, Dauphin County, Penna. So answers: William H.
Livingston Sheriff of Dauphin County Penna. by David P. Miller,
Deputy Sheriff.
Dauphin County Return hereto attached.
R. Thomas Kline, Sheriff, who being duly sworn according to law
says that he served Real Estate Writ, Notice, Poster and Description
in the following manner: The Sheriff mailed one of the within named
defendants, to wit: The United States of America a notice of the
pendency of the action by certified mail marked DELIVERY ONLY TO
ADDRESSEE, to there last known address at U.S. Attorney Middle
District Federal Building, 228 Walnut Street P.O. Box 11754
Harriburg, Pa. 17108. This letter was mailed under the date of
Apeil 5, 1995 and was received on Apirl 6, 1995 with return to the
Sheriff's Office with return receipt card signed by Ruth A. Larson
for The United State of America. Return receipt card is hereto
attached.
R. T. Kline, Sheriff, who being duly sworn according to law,
says that he served the above Real Estate Writ, Notice Poster and
Description in the fOllowing manner: The Sheriff mailed one of the
within named defendants, to wit: The United States of America a
notice of the pendency of the action by regular mail to there last
known address at 228 Walnut Street P.O. Box 11754, District Federal
Building, Harrisburg, Pa. 17108. This letter was mailed under the
date of April 12, 1995 and was never returned to the Sheriff's
Office.
R. Thanas Kline, Sheriff, who being duly sworn according to law, says
that after due and legal notice had been given according to law,
exposed the within described premises at public venue or outcry
at the Court House, Carlisle, Cumberland County, Pennsylvania,
on June 7, 1995 at 10:00 o'clock A.M., E.D.S.T., and sold the same
for the sum of $1.00 to Attorney Leon Haller for Attorney Bradford
J. Harris for Federal Home Loan Mortgage Corporation, Its successors
and assigns at 1410 Springhill Road, McLean VA 22102. It being
highest bid and the best price received for the same Federal
Home Loan Mortgage Corpation, its successors and assigns being the
buyer in this Execution paid Sheriff R. Thomas Kline, the sum of
$5,316.33 it being poundage, stamps etc. Sheriffs Costs listed
below. See attached distribution sheet for additional costs.
Sheriff's COStSI
Docketing
Poundage
Pos tinb Bills
Advertising
Acknowledging Deed
Auctioneer
Law Library
County
Mileage
Cert Mail
Levy
Surcharge
Dauphin Co.
30.00
3.624.83
15.00
15.00
30.00
10.00
.50
1.00
7.84
9.63
15,00
10.00
22.50
3,791.30
Sworn and subscribed to before me
this ~14<1 day of Cf-. 1995
n , a.~ &~.
.....11' Prothonotary' .~'f
So answersl
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COMMONWEALTH OF PENNA:
COUNTY OF DAUPHIN:
SHERIFF'S RETURN
NO. 1141 Cviil 94
PAGE 182
AND NOW: April 7,
WITHIN REAL ESTATE WRIT, NanCE,
U.S. Attorney
to 95 .lIt 9:23 AM.
SERVED 'rill-:
POSTER & DESCRH'l'ION UPON
----~~_..---
BY PERSONALI,Y
HANDING TO Sally Boulton, Recpt. and person in charge at time of service
A TRUE ATTESTED COPY OF THE ORIGINAl, REAL ESTATE WRIT, NanCE, POSTER &
DESCRIPl'ION
AND MAKING KNOWN TO Her THE CONTENTS THEREOF AT Federal
Bldg., 228 Walnut St" Harrisburg, Dauphin County, Penna.
SO ANSWERS
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SHERIFF OF DAUPHIN COUNTY, PENNA
BY
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DEPUTY SHERIFF - .
Sworn and subscribed to
before me this 7th day of April 19 95
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PROTHONOTARY
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Hon. R. Thomas Kline
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On -rna.u9-... , S. I ? '15 the sheriff levied upon the dafcn:.lafc;
Interest In the caal property situated in N~OA' ..:1-t1'i'
Cumberland County, Pa,.I<r!G" 0'" '":'i :IS: Y/O.3~01M.'-)Q.
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WRIT OF EXECUTION and/or A1TACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO, 94-1141 CIVIL 19_
CIVIL ACTION. LAW
TO THE SHERIFF OF
CUMBERLAND
COUNTY:
DEFENDANT(S)
(1) You are directed to levy upon the property ofthe defendant(s) and to sell Levy upon l:md sell
the real property of Defendants located at 4103 Clubhouse Dr.,
Mechanicsburg PA 17055. (See Attached Legal Description)
(2) You are also directed to attach the property of the defendant(s) not levied upon In the possessIon of
GARNISHEE(S) as follows:
and to notify the garnlshee(s) that: (a) an attachment has been Issued; (b) the garnlshee(s) Is/are enjoIned from paying any
debt to or for the account of the defendant(s) and from delivering any property of the defendant(s) or otherwise disposIng
thereof;
(3) If propertyof the defendant(s) not levied upon an subject to alfachmentls found In the possession of anyone other
than a named garnishee, you are directed to notify him/her that he/she has been added as agarnlshee and is enjoined as above
stated.
Amount Due $163 . 494 . 4 4 L.L.
trom ~/~~/~q to ~/10/95 ~ 9.875%
Interest per annun ($3B,33/dian) $14,718.72 DueProthy
plus interest from 6/7/95
Ally's Comm % Other Costs Late Charges $62.96 per I1'Onth
Ally Paid $953.90 from 6/94 to 2/95 $692,56 P,lg'gg!='
-
Plalntnf Paid y Es9row charges @ $230.34 per l1'On.th~
b/94 to 1./9':1 ~.U./4 p1~'9~r
$1. 00
Date:
March 13. 1995
LAWRENCE E. WELKER
P,ol lry, Civil ~iviSlon
by:
Deputy
REQUESTING PARTY:
Name Bradford J. Harris. Esq.
Address: 140 E. King St.
LanCaster PA 17602
Allorney for: Plain tiff
Telephone: (717) 392-4131
Supreme CourtlD No. 34393
~
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNlY, PENNSYLVANIA
CML ACTION..MORTGAGE FORECLOSURE
FEDERAL HOME LOAN MORTGAGE
CORPORATION
Plaintiff,
vs.
GREG L. ANDERSON, KAREN D. ANDERSON;
DORIS J. ANDERSON, individually and as heir of:
BLAKE E. ANDERSON, JR. and
THE UNITED STATES OF AMERICA
Defendants.
No. 1141 Civil 1994
AFFIDAVIT PURSUANT TO RULE 3129.1 el sea.
Plaintiff now sets forth as of the date the praecipe for the writ of execution was filed in the
above-captioned action the following information concerning the real property located at 4103 Clubhouse
Drive, Mechanicsburg, Cumberland County, Pennsylvania 17055:
1. Name and address oC the O\mcr(sl or reputed o\\ncr(sl:
GREG L. ANDERSON, 4103 Clubhouse Drive, Mechanicsburg, Pennsylvania 17055
KAREN D. ANDERSON, 4103 Clubhouse Drive, Mechanicsburg, Pennsylvania 17055
DORIS J. ANDERSON, individually and as heir of Blake E. Anderson, Jr., 4103 Clubhouse
Drive, Mechanicsburg, Pennsylvania 17055
2. Name and address oC thc deCendanHs) in the ludement:
GREG L. ANDERSON, 4103 Clubhouse Drive, Mechanicsburg, Pennsylvania 17055
KAREN D. ANDERSON, 4103 Clubhouse Drive, Mechanicsburg, Pennsylvania 17055
DORIS J. ANDERSON, individually and as heir of Blake E. Anderson, Jr., 4103 Clubhouse
Drive, Mechanicsburg, Pennsylvania 17055
THE U.S. ATTORNEY GENERAL, United States of America, Washington, D.C. 20013
U.S. ATTORNEY, MIDDLE DISTRICT, Federal Building, 228 Walnut Street, P.O. Box 11754,
Harrisburg, PA 17108
-1-
3. Name and address oC every ludemcnt creditor whose judgment is a record lien on the real property to
be sold:
FEDERAL HOME LOAN MORTGAGE CORPORATION, 1410 Springhill Road, McLean, VA
22102
DAUPHIN DEPOSIT BANK & TRUST COMPANY, 213 Market Street, Harrisburg, PA 17105
HAMILTON BANK, 1097 Commercial Avenue, East Petersburg, PA 17520
BUREAU OF COMPLIANCE, COMMONWEALTH OF PENNSYLVANIA, Dept. 280946,
Harrisburg, PA 17101
INTERNAL REVENUE SERVICE, District Dircctor, 600 Arch Street, Philadelphia, PA 19106,
Attn: Chief, Special Procedures Section
4. Name and address of the last recordcd holder oC e\'erv morteaee oC rccord:
FEDERAL HOME LOAN MORTGAGE CORPORATION, 1410 Springhill Road, Mclean, VA
22102
DAUPHIN DEPOSIT BANK & TRUST COMPANY, 213 Market Street, Harrisburg, PA 17105
5. Name and address oC every other person who has anv record licn on the property:
none
6. Name and address of e\'ery other pcrson who has any record interest in the property and whose
interest may be affected by the sale:
none
7. Name and address of every othcr person whom Plaintiff has know1edee who has anv interest in the
property that may be affected by the salc:
GREG L. ANDERSON, 4103 Clubhouse Drive, Mechanicsburg, Pennsylvania 17055
KAREN D. ANDERSON, 4103 Clubhouse Drive, Mechanicsburg, Pennsylvania 17055
DORIS J. ANDERSON, individually and as heir of Blake E. Anderson, Jr., 4103 Clubhouse
Drive, Mechanicsburg, Pennsylvania 17055
-2-
,. ---.,~~",:
THE U.S. ATTORNEY GENERAL, United Slates of America, Washington, D.C. 20013
U.S. ATTORNEY, MIDDLE DISTRICT, Federal Building, 228 Walnut Street, P.O. Box 11754,
Harrisburg, PA 17108
DOMESTIC RELATIONS OFFICE, Cumberland County Court of Common Pleas, P.O. Box 320,
Carlisle, PA 17013
We verify that the statements made in this affidavit are true and correct to the best of our
knowledge, information, or belief. We understand that false statements herein are made subject to the
penalties of 18 Pa.C.S. 9 4904, relating to unsworn falsification to authorities. We are the attorneys for
Plaintiff, and as such, are authorized to execute this affidavit on it's behalf.
DATED: March 10, 1995
By:
B lid d. Harris
Attorneys for Plaintiff
140 East King Street
Lancaster, PA 17602
(717) 392-4131
Attorney J.D. No. 34393
-3-
... .
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNlY, I'ENNSYLVANIA
Civil Action--Mortgage Foreclosure
FEDERAL HOME LOAN MORTGAGE
CORPORATION
Plaintiff,
vs.
GREG L. ANDERSON, KAREN D.:
ANDERSON, DORIS J. ANDERSON,
individually and as heir of
BLAKE E. ANDERSON, JR.
and THE UNITED STATES OF AMERICA
Defendants.
No. 1141 Civil 1994
NOTICE OF SHERIFF SALE OF REAL PROPERlY
TO: GREG L. ANDERSON
4103 Clubhouse Drive
Mechanicsburg, P A 17055
KAREN D. ANDERSON
4103 Clubhouse Drive
Mechanicsburg, PA 17055
DORIS J. ANDERSON
individually and as heir of
BLAKE E. ANDERSON, JR.
4103 Clubhouse Road
Mechanicsburg, P A 17055
U.S. ATTORNEY GENERAL
The United States of America
Washington, D.C. 20013
U.S ATTORNEY, MIDDLE DISTRICT
Federal Building
228 Walnut Street
P.O. Box 11754
Harrisburg, PA 17108
TAKE NOTICE that on June 7, 1995 at 10:00 a.m. (prevailing local time), the Sheriff of
Cumberland County, Pennsylvania will sell the real property, together with any home and all other
improvements thereon, that is located at 4103 Clubhouse Drive, Mechanicsburg, Cumberland County,
Pennsylvania 17055. The real property is more fully described in the attached legal description, which
is incorporated herein by reference. This sale will take place at the Cumberland County Courthouse,
South Hanover Street, Commissioners Hearing Room, 2nd Floor, Carlisle, Pennsylvania 17013. The
owners or reputed owners of the real property are as follows: GREG L. ANDERSON, KAREN D.
ANDERSON, DORIS J. ANDERSON, individually and as heir of BLAKE E. ANDERSON, JR.
This sale is being held pursuant to a writ of execution issued on the JUDGMENT entered in
favor of the above Plaintiff and against the above Defendant(s), which judgment is indexed to the
above docket number in the above Court of Common Pleas.
A SCHEDULE OF DISTRIBUTION showing who will receive the proceeds of the sale will be
posted in the Sheriffs Office within thirty (30) days after the sale date, and distribution of the sale
proceeds will be made in accordance with the Schedule unless you or someone else objects to the
proposed distribution by filing exceptions to it within ten (10) days after the posting of the Schedule.
-1-
.
Information about the Schedule of Distribution may be obtained from the Sheriffs Office.
THIS PAPER IS A NOTICE OF THE TIME AND PlACE OF THE SALE OF YOUR REAL
PROPERlY. This Notice has been sent to you because the above- described writ of execution has
been issued against you based upon the above-described judgment against you. This Notice is
notifying you that your property is being held to be sold or taken to pay the above-described
judgment. You may have legal rights to prevent your property from being taken and sold. A lawyer
can advise you more specifically of these rights. If you wish to exercise your rights, you must act
promptlv or vou may lose such rights.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOW-
ING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP:
Court Administrator
Cumberland County Courthouse
4th Floor
Carlisle, PA 17013-3387
(717) 240-6200
YOU MAY HAVE THE FOLLOWING LEGAL RIGHTS (IN ADDITION TO OTHERS):
1. You may file a petition with the above Court of Common Pleas
in order to open or strike the judgment, or to stay or set aside the Sheriff Sale, if you feel that you
have a defense against the plaintiff, or if you are aware of a legal defect in the obligation or the
procedure used against you.
2. After the Sheriff Sale but before delivery of the Sheriffs deed to the real property, you also
may file a petition with the same Court of Common Pleas in order to set aside the sale for a grossly
inadequate price or for other proper causes.
3. You also may have the right to free legal help. If you wish to exercise any of the above
rights, or any other rights that you may have regarding the above matters, you must act promptlv or
you mav lose such rights. A lawyer can advise you more specifically of the above rights and other
rights you may have. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF
YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE
THE OFFICE SET FORTH ABOVE TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
DATED: March 10, 1995
By:
Brad~ 1I:1. Harris
Attorneys for Plaintiff
140 East King Street
Lancaster, PA 17602
(717) 392-4131
Attorney 1.0. No. 34393
-2-
.-.,' ~......--.
ALL THAT CERTAIN lot of land and real estate, being Lot 16 shown on that certain Prelimi-
narylFinal Subdivision Plan for Golfview referred to in the within instrument, in Hampden Township.
Cumberland County, Pennsylvania, more particularly bounded and described in accordance with said
PreliminarylFinal subdivision Plan as follows:
BEGINNING at a point on the easterly edge and right-of-way line of Clubhouse Drive, which
beginning point is on the westerly end of the common boundary line between Lot 16 herein described
and Lot 15 of Golfview situate to the south thereof; thence along the easterly edge of Clubhouse Drive
along a curve to the right an arc distance of 11.83 feet to a point; thence along the easterly edge of
Clubhouse Drive, North 25 degrees, 09 minutes, 50 seconds West, a distance of 70.56 feet to a point;
thence along a curve to the right, an arc distance of 29.71 feet to a point; thence along the southerly
edge of Clubhouse Drive North 59 degrees, 56 minutes, 15 seconds East, 120.04 feet to a point; thence
along the common boundary line between Lot 16 herein described and Lot 18 of Golfview, South 29
degrees, 20 minutes, 38 seconds East, a distance of 100.01 feet to a point thence aiong the common
boundary line between Lot 16 herein described and Lot 15 of Golfview, South 59 degrees, 56 minutes,
15 seconds West, a distance of 142.28 feet to a point on the eastern side of Clubhouse Drive, the point
of BEGINNING.
BEING THE SAME PREMISES which S & A Custom Built Homes, Inc. a Pennsylvania Corporation,
by deed dated February 22, 1990 and recorded March 2, 1990 in the Recorder of Deeds Office in and
for Cumberland County, Pennsylvania in Deed Book L-34, Page 35, granted and conveyed unto Greg
L. Anderson and Karen D. Anderson, his wife and Blake E. Anderson, Jr. and Doris J. Anderson, his
wife, Joint Tenants with the Right of Survivorship as Between the Married Parties.
Tax Map No. 18-1314-114
Seized in execution under Judgment No. 1141 Civil 1994 in the Court of Common Pleas of
Cumberland County, Pennsylvania and sold as the property of GREG L. ANDERSON, KAREN D.
ANDERSON, DORIS J. ANDERSON, individually and as heir of BLAKE E. ANDERSON, JR.
.
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IN THE COURT OF COMMON PLEAS QIt' CUMBERLAND COUNlY, PENNSYLVANIA
CIVIL ACTION..MORTGAGE FORECLOSURE
FEDERAL HOME LOAN MORTGAGE
CORPORATION
Plaintiff,
vs.
GREG L. ANDERSON, KAREN D. ANDERSON;
DORIS J. ANDERSON, individually and as heir of:
BLAKE E. ANDERSON, JR. and
THE UNITED STATES OF AMERICA
Plaintiff,
No. 1141 Civil 1994
AnlDAVJr 0' SIIMC&
1. We, GOING & PLANK, are the attorneys for Plaintiff in the above-captioned action.
2. In accordance with Pa.R.C.P. 404 & 403, we caused a true and correct copy of the Complaint
filed in the above-captioned action to be mailed on March 10, 1994 by certified mail, return receipt
requested, restricted delivery, to the following person at her respective address: U.S. Attorney General,
Washington, D.C. 20013
3. The sender's receipt for said document is attached hereto as "Exhibit A" and incorporated herein
by reference.
4. On March 17, 1994, said document was served upon and received by said person, or by and
through her authorized agent, all of which is evidenced on the executed return receipt card attached
hereto as "Exhibit B" and incorporated herein by reference.
We verify that the statements made in this Affidavit are true and correct to the best of our
knowledge, information, or belief. We understand that false statements herein are made subject to the
penalties of 18 Pa.C.S. ~ 4904, relating to unsworn falsification to authorities.
Dated: April 12, 1994
By:
G
. or J. Harris
Attorneys for Plaintiff
140 East King Street
Lancaster, PA 17602
(717) 392-4131
Attorney J.D. No. 34393
.
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNlY, PENNSYLVANIA
Civil Action--Mortgogc Foreclosure
FEDERAL HOME LOAN MORTGAGE
CORPORATION
Plaintiff,
No. 1141 Civil 1994
vs.
GREG L. ANDERSON, KAREN D. ANDERSON;
DORIS J. ANDERSON, individually and as heir of:
BLAKE E. ANDERSON, JR. and
THE UNITED STATES OF AMERICA
flWlDAVU or RIMel
We, Going & Plank, hereby certify that on April 13, 1994, we did cause a true and correct copy
of the Amended Complaint to be served upon the person(s) and in the manner(s) indicated below, which
service satisfies the requirements of the applicable slate and local rules of civil procedure:
Service bv United States first class mail addressed as Collows:
Greg L. Anderson
4103 Clubhouse Dr.
Mechanicsburg, PA 17055
Doris J. Anderson
4103 Clubhouse Dr.
Mechanicsburg, P A 17055
Karen D. Anderson
4103 Clubhouse Dr.
Mechanicsburg, P A 17055
U.S. Attorney
Federal Building
228 Walnut Street
P.O. Box 11754
Harrisburg, PA 17108
U.S. Attorney General
The United States of America
Washington, D.C. 20013
We verify that the statements made in this Affidavit arc true and correct to the best of our
knowledge, information, or belief. We understand that false statements herein are made subject to the
penalties of 18 Pa.C.S. ~ 4904, relating to unsworn falsification to authorities.
Dated: April 13, 1994
By:
Brad J. arris
Attorneys for Plaintiff
140 East King Street
Lancaster, PA 17602
(717) 392-4131
Attorney 1.0. No. 34393
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNlY, PENNSYLVANIA
CIVIL ACTION..MORTGAGE FORECLOSURE
FEDERAL HOME LOAN MORTGAGE
CORPORATION
Plaintiff,
vs.
GREG L. ANDERSON, KAREN D. ANDERSON;
DORIS J. ANDERSON, individually and as heir of:
BLAKE E. ANDERSON, JR. and
THE UNITED STATES OF AMERICA
No. 1141 Civil 1994
AMENDED COMPLAINT
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 upon you,
by entering a written appearance personally (or by attorney) and by 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 relief requested by the plaintiff.
You may lose money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET
FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
Court Administrator
Cumberland County Courthouse
4th Floor
Carlisle, PA 17013-3387
(717) 240-6200
NOTICIA
Le han demandado a usted en la corte. Si ustcd quiere defenderse de estas demand as expuestas
en las paginas siguientes, usted tiene viente (20) dias de plazo al partir de la fecha de la demanda y la
notificacion. Usted debe presentar una apariencia escrita 0 en persona 0 por abogado y archivar en la
corte en forma escrita sus defensas 0 sus objectiones alas demandas en contra de su persona. Sea avisado
que si usted no se defiende, la corte tomara medidas y puede entrar una orden contra usted sin previo
aviso 0 notificacion y por cualquier queja 0 alivio que es pedido en la peticion de demanda. Usted puede
pcrder dinero 0 sus propiedades 0 otros derechos importantes para usted.
-1-
.
,
LLEVE ESTA DEMANDA A UN ABODAGO IMMEDIATAMENTE. SI NO TIENE
ABOGADO 0 SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN
PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUY A DIRECCION SE ENCUENTRA
ESCRITA ABAJO PARA A VERIGUAR DONDE SE PUEDE CONSEGUlR ASISTENCIA LEGAL.
Court Administrator
Cumberland County Courthouse
4th Floor
Carlisle, PA 17013-3387
(717) 240-6200
COMPLAINT
AND NOW, comes Plaintiff, by and through its attorneys, GOING & PLANK, and
complains in mortgage foreclosure against Defendants GREG L. ANDERSON, KAREN D. ANDERSON,
DORIS J. ANDERSON, individually and as heir of BLAKE E. ANDERSON, JR. as follows:
Parties
1. The Plaintiff is the FEDERAL HOME LOAN MORTGAGE CORPORATION, a corporation
organized and existing under the laws of the United States of America, with offices for the purpose of
doing business at 8609 Westwood Center Drive, Vienna, Virginia 22180.
2. Two of the defendants are GREG L. ANDERSON and KAREN D. ANDERSON, who are and
were husband and wife at all times relevant hereto and are adult individuals last known to be residing in
the Mortgaged Premises at 4103 Clubhouse Drive, Mechanicsburg, Cumberland County, Pennsylvania
17055, and they are two of the mortgagors and real owners of said Mortgaged Premises described herein,
having acquired partial title by Deed dated on or about February 22, 1990 and recorded on or about
March 2, 1990 in the Cumberland County, Pennsylvania Recorder's Office in Record Book L-34, Page 35,
which deed is incorporated herein by reference.
3. One of the defendants is DORIS J. ANDERSON, individually and as heir of deceased
mortgagor and real owner BLAKE E. ANDERSON, JR., and she is an adult individual last known to be
residing in the Mortgaged Premises more fully described herein and located at 4103 Clubhouse Drive,
Mechanicsburg, Cumberland County Pennsylvania 17055; and she is one of the mortgagors and real owners
of said Mortgaged Premises, having originally acquired partial title as Joint Tenants with the Right of
Survivorship with her now deceased husband BLAKE E. ANDERSON, JR. by Deed dated on or about
February 22, i 990 and recorded on or about March 2, 1990, in the Cumberland County, Pennsylvania,
Recorder's Office in Record Book L-34, Page 35, and having inherited her deceased husband's interest in
the real property by operation of law as a rcsult of her spouse dying on or about November 17, 1992, said
deed is incorporated hercin by reference.
4. The UNITED STATES OF AMERICA is named as a defendant in this action by reason of
privilege granted in an Act of Congress of the United States of America, pursuant to the provisions of 28
U.S.c. !i 2410 and 26 U.S.c. !i7425, as amended.
-2-
I<'cdem1 Ucns
5. The names and addresses of the taxpayers whose liability created federal liens on said
Mortgaged Premises, and the nature of any interests and liens of the United States of America is based
on the Notices of Liens duly filed by Defendant United States of America through the District Director
of Internal Revenue in Philadelphia, Pennsylvania, as follows:
a. Lien Notice No. 239230504 dated on or about September 21, 1992 and
filed on or about September 24, 1992 in the Cumberland County, Pennsylvania
Prothonotary's Office, Cumberland County Courthouse, Carlisle, Pennsylva-
nia, to Docket No. 6586, Page 136, in the amount of $19,052.75, together with
interest to date, which lien is filed against taxpayers Greg L. and Karen D.
Anderson, 4103 Club House Drive, Mechanicsburg, PA 17055.
b. Lien Notice No. 239320128 dated on or about December 20, 1993 and
filed on or about December 30, 1993 in the Cumberland County, Pennsylvania
Prothonotary's Office, Cumberland County Courthouse, Carlisle, Pennsylvania,
to Docket No. 7003-FTL-93, in the amount of $5,879.16, together with interest
to date, which lien is filed against taxpayer Greg L. and Karen D. Anderson,
4103 Club House Drive, Mechanicsburg, PA 17055-7622.
A true and correct copy of each said Notice is attached hereto as "Exhibit A" and incorporated herein by
reference.
6. The hereinabove-described liens of Defendant United States of America, having been filed on
September 24, 1992 and December 30, 1993, are subordinate in priority, assuming that they attach at aU
and are liens on the Mortgaged Premises described herein, to the lien of the herein-described Mortgage,
which Mortgage was filed on or about March 2, 1990, as more fully hereinafter described; and by filing
this Action against said Defendants, Plaintiff seeks a judicial sale of said Mortgaged Premises in order to
discharge said Federal liens.
7. Defendants GREG L. ANDERSON, KAREN D. ANDERSON, and DORIS J. ANDERSON,
individually and as heir of BLAKE E. ANDERSON, JR., arc not persons in the military service of the
United States of America within the meaning of, nor engaged in any way that this Action would be
prohibited by, the Soldiers' and Sailors' Civil Relief Act of 1940, Act of October 17, 1940, ch. 888, ~ 1 et.
seq. (50 U.S.C. Appx. ~~ 501 el seq.), as amended.
Morteaee
8. On or about February 23,1990, GREG L. ANDERSON, KAREN D. ANDERSON, BLAKE
E. ANDERSON, JR., and DORIS J. ANDERSON made, executed, and delivered to GMAC
MORTGAGE CORPORATION OF PA a note and mortgage, which Mortgage contains a description of
the premises subject to said Mortgage and was recorded on March 2, 1990 in the Cumberland County,
Pennsylvania, Recorder's Office in Mortgage Book 968, Page 272. Said Mortgage and Note are
incorporated herein by reference, along with the true and correct copies of same that are attached hereto
as "Exhibit B".
-3-
~
Morteaee Assienments
9. On or about March 21, 1990, GMAC MORTGAGE CORPORATION OF PA assigned said
Mortgage in writing to FEDERAL HOME LOAN MORTGAGE CORPORATION, which Assignment
was recorded on or about May 24, 1993 in the Recorder's Office in and for Cumberland County,
Pennsylvania, in Record Book 444, Page 1018. Said A~signment is incorporated herein by reference, along
with the true and correct copies of same that is attached hereto as "Exhibit C".
10. Except as otherwise hereinabove described, there have been no further assignments of said
Mortgage.
DeCo1l1t
11. Said Mortgage and Note are in default because Defendants GREG L. ANDERSON, KAREN
D. ANDERSON, DORIS J. ANDERSON, individually and as heir of BLAKE E. ANDERSON, JR. did
not make the required monthly payments of principal, interest, taxes, insurance, and late charges to
Plaintiff for the months of October 1993 through the date of filing of this Complaint.
12. By reason of said default, Plaintiff hereby exercises its option to declare the entire amount
owing upon said Mortgage and Note immediately due and payable in accordance with their terms and
provisions.
13. By reason of said default, the following amounts are due in accordance with the terms of said
Mortgage:
Unpaid principal balance. . . . . . . . . . . . . . . . . . . . . . . ..$ 141,689.43
Interest at 9.875% per annum ($38.33 per diem)
from 9/1193 to 3/23/94. . . . . . . . . . . . . . . . . . . . . . . . . .. $
7,819.32
Late charges at $62.96 per month to
3/94 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $
440.72
Real Estate Taxes - County 1994 . . . . . . . . . . . . . . . . .. $
501.00
Inspection fees at $7.00 per month
from 1194 to 4/94 . . . . . . . . . . . . . . . . . . . . . . . . . . . . ., $
28.00
Escrow deficit. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $
2,279.21
7.543.00'"
A . .
ttorney commission. . . . . . . . . . . . . . . . . . . . . . . . .
$
TOTAL AMOUNT DUE ~ 1611,3110.68
...
The attorney commiosion stated above represents the amount through the completion of this action Bnd execution
therein. If DefendantD or their agents desire to reinstate (assuming that DefendantD have the right to reinstate)
or pay the Note and Mortgage in full at any time up to one hour prior to the aale of the Mortgaged Premises, the
actual amount of attorney commission that must be paid at that time may and probably will be 1e88 than the amount
stated above, and DefendantD or their attorneys may obtain the actual amount by contacting Plaintiff's attorneys
at the address or phone number at the end of this complaint.
-4-
.
Comnliance with Homeowners' Emereencv Assistonce Act
14. Notice of rights under Pennsylvania's Homeowners' Emergency Assistance Act, Act of December
23, 1983, P.L. 385. No. 91 (35 P.S. ~~ 1680.401c el seq.), as amended, was sent in accordance with said Act
to Defendants, who failed to exercise the rights under said Act. A true and correct copy of each said Notice
is attached hereto as "Exhibit 0" and incorporated herein by reference.
Notice oC Intentiop to Foreclose
IS. Although not required to do so by Act No.6 of 1974 since the original principal balance of said
Mortgage exceeded $50,000.00, Notice of Intention To Foreclose pursuant to said Mortgage and rights (if any)
under Pennsylvania's Loan Interest and Protection Law, Act of January 30,1974, P.L. 13, No.6 (41 P.S. ~~
101 el seq.). as amended, was sent in accordance with said Mortgage and Act to Defendants. A true and correct
copy of each said Notice is attached hereto as "Exhibit E and incorporatcd herein by reference.
WHEREFORE, Plaintiff requests judgment in its favor and against Defendants in the amount of One
Hundred Sixty Thousand Three Hundred and 68/100 dollars ($160,300.68), with interest thereon until paid at
the rate of 9.875 percent (9.875%) per annum ($38.33 per diem) from March 24, 1994, late charges at $62.96
per month from April 1993, escrow charges at $230.34 per month from February 1993, and inspection fees at
$7.00 per month from May 1994: for all other interest, late charges, attorney fees, costs, and charges collectable
under said Mortgage; and for any and all other relief as the Court deems appropriate.
By:
Br r arris
Attorneys for Plaintiff
140 East King Street
Lancaster, PA 17602
(717) 392-4131
Attorney J.D. No. 34393
-5-
.
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VERIFICATION
We verify that the statements made in the foregoing document are true and correct to the
best of our knowledge, information, or belief. I further verify that i am a Vi .."-Pr"Rid,,nt
of GMAC Mortgage Corporation of P A, which is the servicing agent for Plaintiff in the foregoing
document; and that as such, I am authorized to make this Verification on Plaintiffs behalf,
partieu1arly since Plaintiff lacks sufficient knowledge or information of all the facts. We under-
stand that false statements herein arc made subjcct to the pcnalties of 18 Pa.C.S. ~ 4904, as
amended, relating to unsworn falsification to authorities.
DATED: March 18. 1994
By:
1\~.:~r~:~i~:~~~~;\~}?~.1!~~t4~.-~;~~~'Qt:.~~vt~~,~~~l~.;:::1::;":~!i~~~{~i<< .~xl~~.~;" . ~ . '1~,;,~';~i:L:ij(~r~~iH;rJ~~;!~lh~):r~J;~~p.~!~~t~.:,~~~.;. ~1k~~P.~~ . .
. "I:"I~,~!i~ '.'.. .....It..:.OI'.i 01:' ok' ".II";':.~~.....' ~i I ..... 'f .' u~.., .... .. I I'" .. r.r"i/It~'l."i~.~~r:J;,. ..
~"~'G'.."8"~. '('y'-)':T ..1;j:"!. "';:)'~~"lf,:',,:'''':.. ~:~.oeJl,a'l mcllt 01'1110. rODsury . Internal ReVonUD Sorv CO., .:. '...:.{ .r\~,. :'H'i""~'
~IU ., ,"\ "1"'~ ;.,1:' .'.~.. \.'.',,'r '.~ .. ,I I . t '1' 't. " ~}'i''''f
N~~~~~W!I~~'; ;::rN.~tf?ij:o.t.F.~d~rM~f;ak Lien Under Internal Rev~nue Laws .:::':~'::l{r;~;!
~" , ," ......""7',....... ." S IIN b " 0 II IU b R fill om 1'\"> ,,~.
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~llltYj M~ p,p'~n: ,o.fjl~.o..'.but.lt remain. unpaid. Therefore. thoro 18 8 IIcln In lJ , '. ~'t
1.0,r..?, JJ~~H!'.lto.~ ~!a,t'!~ 01'\ all property lInd rights \0 property belonging to "
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5elowtjJnioss~holicnlJlen /& rcriled by Iha dalo given In column (0). 1111~ nutlco 04:('" .. 0 I 1.'
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MAR 10 '94 9:03
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Notice of Federal Tax Lien Under Internal Revenue Laws
8etIaI Numbtf For U. _
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Phllad,lphla, PA 2~93 0129
. pIVv1cIId '" _llilh.. tnt, 1322, ..... ~ olllle tnte_1 I CO*,
lllw '- 'iI/Y9n 1Iwt ... (lnvludlllll Inlere.t Pd pen" I haYI been
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tblllty llII!' ...... ""'e, but It mnetne unpeId. :T1IeNfore. Is . IIeft In
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lis Wpayw far .... ilmaunt 01 theM tuN, and IdcIltlOllll penalttn,
I...., end 00ItI thlllIl8r _rue, I
.m.",TIllIlI'pI' 8Rli:1I.1. & 'KARE:N' D A~RSON
No. 1003
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.,d.nce 4103 CLUB HOUSE DR
MECHANICSBURB. PA 17055-762Z
UnpI/d BIIIlIcI
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IMI'PRTANT FIlii -&,fiE IHf'ORMATlON: WIth mpecllO lach
below, unIN5 llClllCt oIl1tn.ll rvlIlecll1y thl clate glwn In cvlum (I). thl. notl...
shall, on lhe lky follOwIng I\ICIl d.... operlle as a :.rIIIlcatl 01 /1l elll as denMCI
In IPIC tl82G(a). .
Tax P.nocI . Date I Laat DIy
<lnd of Tu ,EncIef" At ent RoIIlIng
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1040
12/:S1l9%
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Carll.'.. PA 17013
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, TIllS MORTCACE f"Sccurlly In.trum.nl"jls ,Iven on
19 90 . Th, murlJ'Jor II
CREO L. ANDERSON, KAllEN D. ANDERSON, BLAKE E. ANDERSON, JR. AND
DORIS J. ANDERSON
This Securl.y In"Nmcnlls ,I..n 10 ClIAC HORTCAGE CORI'ORATION OP PI.
whkh II orpnlltd and uhllnl under Ihe laws or PENNSYLVANIA ,and whoSladd.cu Is .
8360 OLD YORK ROAD, ELKINS PAIlK, PI. 19117-1590 ("lAnd..").
BorruworowulAnd.. Ih. prlndp.llUm Dr ONE HUNORED FORTY-FIVE THOUSAND AND 00/100 ............
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Doll." 1U.s.s 145,000.00 ). Thl. d.bll. "id.n..d by Borrow..'. noli dlll1llh. .am. dil. ..lhI.
SecurllY 'MINm.n. (-Nol."). whl.h provldu ror monlhly p.ym.nl', wllh Ih. rutl d.bl, Jrnol ...,d ...11.., duo .nd p.yabl.
on HARCH 01, 2020 . Thl. Securlly 'n,INm.nl "'UII' 10 lAnd.., (')Ih. .....ymenl Dr th.
debt nldenced by Ihe Nalt, with Inlerell,and .n rcntwal..lXtcndonland modUlcltlonl:(b) Ih. payment oran othc;sum.,
with Inle,nl. ad.anced under panlraph 7 10 prolecllh. <<curlly of Ihll Stcurlly Inltrument: In8 (c) Ih, 'performance or
Bonowu., connlnlllnd alICemenl' under Ihl, Secutlly Inllfumenl and Ihe NOle. Far this purpos., Bonow.r don h".by
mar1Illf.&tlnllnd conny ID Lender Ihe rollowll'l described proplrly loclled In . .. ."" I. .,
CUHBERLAND COIInly.P,nlll)'lvanll,
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SCHEDULE "A" ATrACHED HERETO AND HADE A PART HEREOP.
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which hll the .ddr... or
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("Property Addr...");
H!:ClIA~FBURC
PClInJylvanl.
17055
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TOOttHU WmI alllhe Improvemenll now Dr hmaller erected on the properly, and all _enll, rllhll,
.ppurl......... renll, royallles, mlncn~ 011 .nd III ri,hll .nd prollll, Wiler rl,hll and lIock and alIbt..... now or
hereafter....n orlh. property. AU rcplucm.nll.nd .ddlllonJ .h.lI also be covered by 11I1. SccurllylnJtrumCllL AU orlbe
forcaolnl II ..r.reed 10 In Ihll SccurllY In.lrument IIlhe "Propeny."
BouOWEl CoVlNANTS thaI Bomwer II Iawl'ully acbccI or the ..lit. hereby CDIlvcycd and hu Ibe rl&hl to
mOllI'I" Innl .nd conyey Ihe Propen,. .nd th.t Ihe Properly II unen.umbered, uccpl ror CI\C\Imbnnca 01 rcs:onI.
1lonower w.mnll .nd will dd'end lencraJly Ihe tltI. 10 Ibe Property .,.Inll .11 cl.lm. and demandl, .ubject 10 any
CllCUIIIbnnccs orrecord.
nlll SEcuRm INmUlolEHT combines unlrorm COYen..1I for n.tlonal use and ....un!torm -..anta with
. Umlll1lvari'II... by Jurisdiction 10 con.lllul.. unlrorm security IMtrvment c:ovcrInl real properly. . .".. '
iDo~ flG8 rAC~ 271.
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PENNSYLVANIA-SIn'" r''''''r-fNMA1fNU'C UHII01M IHST1UMOO
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UNIFO~ltC COVEN"""S, Burro,,'cr Ind Lend~'r covenlntlnd Ilree II rollows:
J. Plrm,nt or PrincipII and IntrrlStj Prrplymrnt Ind Lale Charetl. Borrower Ihln promplly pi)' when dur
the prindpal orand inlClnl on Ihe debl C\'identtd by ,he Note Ind In)' preplymenland laic char,n due under Ihe Note.
1. Fundi (arT.." and InlUrlnee. Subju, 10 applicable llw Dr 10 I wrillen v.'IIWCl by Lender, Dorrower Iblll pay
to Lender on Ihe d.y monlhly plrmenll Ire due under Ihe NOle. untillhe Nole il paid In (ull, alum ("Fundi") rqualto
onc-tweltlh Dr: Ca) yurly tlln Ind IUC1lmenll which m.y IlIlin priorilY ower Ihil Securlly Inurumenl: (b) yeltly
lcucho1d paymentl or Iround renll on Ihe Propeny, I( In)': Ce) )'elrly hl..rd Inlurance premluml: and Cd) )'eltly
mon,a,e Insurlnce premium., ir In)'. ThC1e heml Ire cllled "nerow hem.." Lender ml)' estimlte the Fundi due on the
buls at currenl dllllnd rellonlble nlimllC1 o( rUlure escrow hems.
n. Funds shall be held In an Inl1llUllon the deposltl or accounU or Yihlch Ire lnNred or puanteeA by I rederal or
..... 'I.ney (lncludlnlunder IC under Is .uch.n Inullullon).under shsU apply Ih. Fund. 10 p.y Iba .scrow lI.ms.under
ma)' not chit,. ror holdln& Ind Ippl)'lnlthe Fund.,lnllyzlnlthe Iccoun' or verlryln,lhe "now Ueml, untelS Lender pi)'.
Honower Inlelcst on the Fundl.nd IpPUclble law permlll Lendel to mike IUch I chllp. A chUI' .wued by ah. Lender In "
conneellon whh bonowe,.' enlerlnllnlo thll Security Inllrument to PlY the eolt or In Independent tax rcportlnl..mca
shaD nol b. a chUI' ror lhe PUrposel or Ihe plecrdln,lententt. Donower and Lender ml)' Ipet In wlllln,thlt InterClt sJ1aU
be paid on Ih. Fund.. Unl.n.n .clt....nlls msd. or appllcsbl.l.w "qulreslnl""llo b. pald,und..lhsU nol ba required
to pi)' Bonower In)' 'Inlerell or umlnll on Ih. Fund.. Lend" shaD .;tve 10 Borrower, without char,., In annual Iccavnllnl
o( the fundi showln, credlll and debll'lo lhe Fund'lnd the purpose ror which each debit to lb. Fund. WII mad.. 'J'ht.
Fundi It. pledpd II IddlllonalICcurl'y ror Ihe IUmslCcw:d by thls Security IrullUmen'.
Itlhe amount orlhe Funds held h)' under, tOlelher wilh Ih. rUIUre monthly plymenll or Fundi pa)'ablc prior to
the due d.leI or Ihe Cltrow hems. IhaUucctd the Imounl requlrtd 10 JIIylhe cscrow heml when due. the caenllhln be,
II Borrower's option. either promplly repaid .0 Dorrower or credited 10 Borrower on monthly pa)'menll o(Funds. Ifth.
amount orlh. Fundi held by lender Is nOllutlicienllo pi)' Ihe e.crow heml Yihen due, Dorrower shill PlY to Lender InY
Imount nccftSIJI')' 10 mike up Ihe dcticienc)' In one or more pa)'menlsll required by under.
Upon payment in rull or all sumssCC'ured by Ihls Set'urll)' Inltrumen., Lender Ihln promplly rerund 10 Borrower
any Fund. h.ld by Lcndrr,lCundrr parsCraph 191h. Propony IlIold oracqulrcd by under. L.ndershanapply, no laler
Ihan Immedlllely prior 10 Ihe ule llr Ihe rrOrrM)' or III lequi.hlon b)' Lender, In)' Fundi held b)' Lender atlhe time or
Ippllcatlon.. I credit a'lln.tlhe lumsW'('ured b)' IhilS<<urity Inllrumenl.
3. Appllcallon 01 Paymrnll. UnlC11 Ippliclble IIW providn otherwise, III pa)'menll r<<eived b)' Lender under
panlnphsllnd 2 shill be Ipplied: lint. to IJle chlrlel due under Ihe Nair; ltCond.lo prepl.)'menl chlt,et du. under the
NOIe; thlrd,loamounl' pI)'lble under plraStlph 2: rounh,lo inlerelt due; and IISI, 10 principII due.
4. Chlrltl; Uens. Dorro....er sh.1I P')' In tllCS, IIInsmenll, ehlreel, fincs Ind ImposldonllllnDullble to Ihe
Propeny which ml)' 1IIIIn prioril)' oyer Ihil Securil)' (nluumenl, Ind leasehold pl)'menll or around rent.. ir an)'.
Borrower shin ply Ihne oblicationl in Ihe mlnner prowlded In plrl&upb 2. or irnot paid in Ihll mlnner. Bonowcr.hlll
pi)' them on time dir<<lI)' 10 Ibe J'Cnon C'lWN raymenl. Borrower shill promplly rurnish 10 Lender aU nodecs orlmounll
to be plid under this pltI&rlpb. It Oo"o'4'er mll:n Ihese pa)'menlS dir<<lIy, Borrower shin promplly rurnlsh to Lender
receiptl cvidencln'lhe pa)'menls.
Borrower shill prompll)' dischJrce In)' lien whlcb hIS priorll)' ower Ihll Seeurily JnSlrument unlw Borrowen (I)
l,teeS In wrldn,lo Ihc p.ymcnl orlheobliClllon secured b)' Ihe lien In a mlnner Iccepllble 10 Lender; (b)eonltlllln load
rallh the lien b)'. or derendslClinsl enrorcemcnl or Ihe lien in.leeal procecdinCI which In the Lender's opinion openle 10
pre.,cnt Ihe cnrorcemenl orlhe lien or rOrreilUre orin)' pan orlhe Propen)': or ee) lecurn (rom Ihe holder orthe Urn In
Ilrennent IIdlrlClOI')' 10 Lender subordinltinClhe lien to this Security InSlrument. IrLender de1ermlnes Ihlllny part or
the Propcnylllubj<<t to I Uen which ma)' IlIlin prioril)' over Ihis Securily In'lrumenl, under ml)' ,Ive Borrower I
nollce IdtntirylnClhe lien. Borrower sh.llsatlsr)' Ihe lien or take one or marc orlhe ledonl sel ronh above within 10 dlys
oClhelMnloCnollce. .,.. . , .','
5. "aurd Insunnee. Borro'4'.r shall k"p the Improvements now caistln, or herelner erected on Ihe Property
Inlured IClinllloll by are. hlzlrds included whhin ,he lenn "Cllended coverlce"lnd In)' olher hlurdl ror which Lender
requires Insunncr. Thit In.urance shin be mllnlllned In the amounlslnd ror the periods Ihlt Lender requira. The
Inlurance Clrrier providin'lhe in.urlnce Ihlll be chosen by Dorrower 'UbJecllo Lender's .pproval which shall not be
unreasonlbly Yiilhheld.
. All Insurlnce polldu Ind renew-oils ,hllll be leeepuble 10 under Ind shill Includ. a Sllndard motllllet elaulI,
Lender shllll hne Ihe dehllu holc~ Ihe policlu Ind 'ene\L~Is. Ir Lender requires. Dorrower shall promplly &lye '0 Lender IU
lectlpll or pJid p'eml~mlllnd 'ene"'lIl nollce..ln the nenl or Jon, Borrower shallllYl prompl nOllce 10 Ihe Insurance clrrler
Ind lender. Lender may maLe prUtlrOr Ion l(nuI mlde prompll)' b)' Borrower, .
Unlnl Lender Ind DorrowerolherwilC ICr" in wrhlnc. insurlnce proceeds Ihan be Ipplied to taloratlon or repair
or the Propen)' dlmlCcd, ir Ihe reslontion or repiir Is economically reasible and Lender's securil)' is not IcslCllcd. Ir the
restoration or repair is nOI <<onomlcllI)' rellible or Lender'l 'teUrilY would be Insened, Ihe fnlurance proceedSlhall be
applied 10 Ihe lums leaned b)' Ihll Securily Inslrument. whether or nol 'hen due. whh Iny CICelS paid 10 Borrower. If
Borrower ablndonslhe Propeny, or docs nOllnswer Yiithln 30 dl)'ll nntice rrom Lender Ihlt Ihe inlurance amer hu
otrercd 10 senle. claim, then Lender ma)' COlltellhe Inlurance proceedl. Lender mlY use the proceeds to repair or restore
Ihe Propeny or 10 pay lumll<<ured b)' Ihis Security Instrumenl, whelher Dr nOllhm due. The 3D-dIY period will be,ln
when the nolfce II liven. .
Unlm Lender Ind Dorrower olherwise 'Ir" in writinC.ln)' IppllClllon or procecdllo prineipalshall not calend or
postponetheduedl" orthe monthly fll)'menll rererred to in plrlcraphl I and 2 or chance the Imounl orlhe payments. If
under pln,npb 191he Property illcquirrd by Lender. Borrower'l rI,ht to In)' inlunnce policies and proceeds resulllnl
rrom daml,eto Ihe Propeny prior 10 Ihe Icqui.itlon shill pilI 10 Lender to the ealenl orlhe lumllC'Curtd by IhfsSecurily
Inltrument Immtdlllely prior 10 Ihe acqui.llion.
6. Presenlllon and Malntm.nce or Property; Leueholds. Dorrower Ihan nol dnlro)', dlmlle or subillndlll)'
chance Ihe Propen)', IUOW ,he Propen)' 10 deleriorale or commit Wille. Ir Ihll SecurilY Inllrument is on . leaschold,
Borrowerlhall campi)' with Ihe prowisions orlhe lelse.lnd irOorrowerlcquircs ree Ihle 10 the Propen)', the leasehold and
ree title Ihln nOI merle unlnl under Ilrees 10 ,he merler in wrltinl.
1. Prolectlon 01 Lender', Rlehls In the Property; MorlllCf Insurance. Ir Borrower r.ul 10 pcrf"onn Ihe
covenantllnd Ilr"menll conlained in Ihil SecurilY Inslrumenl, or Ihere isaleCII_proce~inClhll mlyslcniftelnlly IlI'cct
Lender's ri,h.. in Ihe Propen)' (such IS I proc"din, in bankruplCy, p'robile, ror cOndemnation or 10 enrorce Ilws or
rtplltions).then .Lender ma)' do and ply ror Yihltenr il necelllty io prolect Ihe Yllue orthe Propen)' and Lender'. ri,hu
In the Propeny. Lender'llclions ml)' include pa)'in, In)' sumllteured b)' a lien which hiS priorit)' over ,his Sceuril,
Inslrummt.IPPClrinC in court. pa)'lnC relsonable IlIome)'I' rees Ind enlerinc on Ihe Property 10 mike repaln. AlthouCh
Lender ml)' like IClion under Ihls parl,nph 7. Lender docs nol hue 10 do 10.
Any amounll dilbuncd by Lrnder under Ihi. panlnph ,.h.n become addldonal debl oCBorrowersccurcd by Ihl.
Securil)' Inllrument. Unless Dorrower Ind lender I,rce to olher lerml otpl.ymenl,thm Imounll shan bear inlernt rrom
the dlte or dilbunement It Ihe NOle tile Ind shall be p')'lble. with Inlerell, upon notice rrom Lender to Borrower
rcqucstlnl pa)'men'.
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If Lender rrqulrrd mon"lc insurance II . condillon or m":in,lh lOin ",vred by Ihls Sccurhy Insuvmcnt.
Borrower shall ply the premiums required 10 mainl.ln Ihe inluranct In ctrcCI untilluch time II the requirement rot th.
Insur.nce Icrmlnl1n In accordance whh Borrower'"nd Lendu', wrillen alreemenl or applicable law. .
I. Inl,"lIon. Lender or hi laenl mlY malr.t rellOnable enlrin upon and in_peclion. at Ibe Propcn)'. Leadfl'
Ihll1,lve Borrower notice II the lime oror prior to In Inspection lpeelryina rcasonable CIUIt (or Ihe Inspection.
,. Condemnallon. The proceeds o( any award or claim ror dlmlats. direel or eonwquenll11.ln connection wllb
Iny condemnllion or olher tlklnl or any flarl o( Ihe Property. or (or conveyance In lieu o( condemnadon, arc hereb)'
aullned Ind .hall be p.ld 'olender.
In Ih. even' ot I ,o,"lllkinl or Ih. ProperlY, Ih. proc:.ed..hlll be Ipplled 10 Ih. .um.mured by 'hi. SccurilY
Instrument, whelher or nOI then due, wilh an)' ellCtsS plid to Borrower. In the event or a Plrtlallaklna orlhe Properly,
unlnl Borrower and Lender olherwlH 'Iree In wrilinl. the lums .ecured by Ihll Securil)' Inurumenl.han be reduced by
Ihe amounl or Ihe prDCffd. muhlplied by Ihe rollowinl rracllon: CI) the IOlalamounl o( Ihe .um. secured Immcdlately
bero" Ih"lklnl. dl.ided by (b)lh. rlir mlrk.. ,"Iu. o!lh. PropcrlY Imm,dillcly betore Ih.,"klnl. Any balln...hall be
paid 10 Borrower. . .
Ir Ihe ProperlY I. ablndoned b)' Dorrower, or Ir. arter nollcc by Lender 10 Dorrower lhallhe condemnor orren 10
make an award Dr itllle a cllim ror damlan. Dorrower rlils to r"pond to Lender wilhln 30 dlyslner Ihe dlle Ihe nOllee Is
liven. Lender Illulhorbed tocOllecland appl)' Ihe proceed'. a. hs opllon. ellher 10 rellorllion or repalrorlhe Propert)' or
10 Ihe sums secured b)' Ihls Securil)' Instrumenl. whelher or nollhen due.
Unlnl Lender Ind Dorrower olherwlsc .aree In wrillne. .n)' IppllC'llon or proem. 10 princlpalsbaU nol Cltend or
postpone the due d.te orahe monlhl)' paymenls rererred 10 In paralraphs I Ind 2 or ch.nle Ihe amount orsuch pa)'menlL
10. Donower Nol 'hluscd; Forbearanre B)' Lender Nol I \V.lnr. Ellenslon or Ihe lime ror paymenl or
modiftc:ation or amonillllon of the sums sccurtd by Ihll Security Inllrumenl ,ranled by Lender 10 any succcuor In
inlercsl o( Borrower shin nol operale 10 relelle the Uabitlly or Ihe orilln.1 Borrower or Dorrower's successon In inlercsl.
Lender shan nOI be requlrtd 10 commenCe proceedinll .,alnsl Iny succcssor In inleresl or re(use 10 Cltend lime ror
payment arathetwisc modiryamortlzalion o(lhe sums ICcured by Ihls.Srcuril)' Inslrument by rUlOn orany demand made
by the ori,lnll Borrower or Borrower's.ucctlson In Inlerest. An)' rorbearlnce b)' lender In caercisln, an)' nlhl or remed)'
Ihall nol be a wllver or or preclude the uercise or Iny rilht or remedy.
11. Suecellors and Alllens Dound: Jolnl Ind Sneral Ulbltll)'j Co.slenen. The covenlnlS Ind .,rcemenls of
Ihl.Smlrh)' InSltUmenl shalt bind and ~neftllhe successors Ind lullns or Lender and Borrower,.ubject 10 Ihe r,romlons
orpan,raph 11. Borrower.s covenlnlllnd I,rcementl shan bejolnllnd several. Any Borrower whoca-slln'lh s Sccurh)'
Instrumenl bUI don nOI uecule Ihe Note: (I) is cQolilninllhis SecUril)' Inmumenl ani)' to monll,e. ,rant Ind conve)'
Ihlt Borrower's Jnlemlln the Prore"y under Ihe lerms orlhls Sccuril)' Inslrumenl: (b) is nol penonlll)' obtllaled to pay
Ihe lumsmured by Ihls SKUril)' Inllrumenl; .nd (c) 'Irees Ihlt Lender .nd In)' olher Borrower m.y alree 10 ellend,
modlry, rorbear or make Iny accommod:ulons wilh rrcard I~ the lerms or Ihis Srcurlly Inllrumenl or the NOle whhoul
Ihll Borrower's consenl.
12. Loan Charlts. tr Ihe I~n 'tturtd by Ihis Securhy Inslrumenlls SUbJ"IIO a law which sell mllimum loan
charlts. .nd Ihal I.w is ftnlU)' Inlerprcled so Ih.1 Ihe JnltrCSI or other loan chitin coUtetreS or to be collecled in
connection whh Ihe lOin caceed Ih. permlned limits. Ihen: (I) In)' such loan charle Ihan be rtduced by Ihe amounl
neeaSlry 10 reduce Ih. char,e to Ih. permiued limit; .nd (b) any sums already collCCled from Dorrower which elcceded
permitted limhs will be rerunded 10 Borrower. Lender ml)' chocm 10 mike this rerund by reduclnllh. principal owed
under Ihe Note or b)' makinla direct payment 10 Borrower. If a rerund rtduccs principal. Ihe reducllon will be treated as a
panlll prcpl)'menl wllhoulan)' prepa)'menl charle under the NOIe.
13. ualllatJon Aft'eetlna Lender', Rlehls. tr .nactment or Clplralion Dr applicable laws has the errecl or
renderin, an)' provision orlhe NOle or Ihls Securit)' Inmumenl unenrorcrable Iccordinllo hSlerms. Lender, It hi option.
ma)' require Immedllte pI)1ftenl In rull or III suml stC'ured b)' Ihis Securil)' Inllrumenllnd mlY invoke Iny remedies
pmnllled by paralraph 19. It Lender .....I.cs,hl. orllon.Lender .hall Ilk. Ih. '''1'' .pcclfted In Ih..ccond panlnph or
panlnph 11.
.. 14. NOlfen. An)' nolice 10 Borrower providtd for In Ihls Securit)' Inslrumenl shin be ,iven bydeUverln, h orb)'
maUlnl it by firsl c1ISS mail unless applicable I.w r.:quires use or Inolher method. The nolice shin be dlrecled 10 .he
ProperlY Address or any olher addrns Dorrower drsllnlles b)' nollce 10 Lender. Any notlce 10 Lender shill be liven by
finl clau mail 10 Lender's address Silted huein Dr any olher addrtSs Lender dnicn'ICI b)' notice 10 Borrower. Any notice
r,rovIded ror In lh1. Seeuri'y In.lrUm.nl.hlll be d..m.d 10 hi" been II..n 10 Borrower or l.nder wh.n II.... "' provided
n .hl. panlnph.
15. Governlnl LaW; Snerab11l1)'. This Security Inslrumenl shall be lovemtd by rederallaw and Ihe law oflhe
jurUcltction In which Ihe Propeny lslocaled. In Ihe evenllhll Iny provision or cl.use orlhls SecurilY JnSlrumenl or Ihe
Note conftlcl' wllh Ippllcable law, such conllic. shan nOI arrecl olher provisions or Ihil Sccurity InSlrument or the NOle
which can be &lvcn clrect wilhoullhe conlllcllnl provision. To Ihll end Ihe provisions or Ihls Security Ins.rumen, and the
Nole Ite declared 10 be ICverable.
1'. Borrower', Copy. Borrower shan be ,Iven one conrormed copy orlh.: NOle Ind orlMs SecurilY Jnslrumenl.
11. TnDsrer 01 the Propert, or I Dendelll Inler"lln Darrower. If III or an)' pan of Ihe Propen)' or .ny
Inlerest in h is sold or lransrerred Cor Ir I beneficill Inlernlln Borrower il lold or lransrerred Ind Dorrower Is nOI I n'lunl
penon) withoul Lender.1 prior wrlllen consenl. Lender may. at hs oplion. r.:quire immediate raymenlln rull or allium.
secured b)' Ihil Securil)' Instrument. lIowever, Ihis upll..,n sh'n nol be eaercised by Lender ir Clercisc Is prohibi1cd b)'
redenlllw.sorthedaleorlhls Securhy Inltrumenl.
If Lender Clerciscslhls oplion.lenderlhlllllve Dorrower nodce orlcceJeratlon. The nOllce shan provide I period
ornollcsllh.n 30 days rrom Ihe dlle Ihe nOllce is delivered or mliled within which Dorrower mUll pllyIII lumsseaarcd by
this Securitylnslrumenl. If Darrower (ails 10 pay thm sums prior 10 the capiralion or Ihis period, Lender mlY invoke Iny
rcmedfa pcrmiureS b)' Ihls SecurilY Inllrumenl wlthoul (unher notice or demlnd on Dorrower.
11. Borrower'l Rllht 10 Reinst.te. Ir Dorrower meets cen:aln condidnn.. Darrower Ihlll have Ihe ri,ht 10 hue
enrorccmenl orlhls Securil)' Inllnament discontlnutd a'.ny time prior 10 the earlier or: CI)' d.)'. Cor such olherpcriod u
applicable Ilw mlY speclr)' ror reinslalement) berore sale or Ihe Properl)' pursuanllo Iny power of..le conlalncd In Ihis
SccurityJnstrumenl; or (b) enlry ofl judlmenl enrorcinllhis Sccuril)' Inslrumenl. Those condillons Ite lhat Borrowen
(.) pays Lender IlIlums which Ihen would bl: due under Ihl, Sccurh)' Instrument Ind thc NOle hid no Icccltnllon
occurred; (b) curCi .ny derault or Iny olher covenlnls or Ilr<<menls; (c) pays .11 urcn,es incurred in cnromnllhls
Securit)' Inslrument. includinc. but nOllimiled to. reasonable IlIomeys. fees; Ind Cd) Ilkcsluch action II Lender may
rcuonably require ID Issure Ihltlhc lien Dr Ihis Securily Instrumenl, Lender's riahts In Ihe propcn)' and Borrower'l
obUI.llon 10 pay Ihe sums sccurreS by Ihis SecurilY Inslrumenl Ihan conlinue unchanaed. Upon mnltltemenl by
Borrower, this Securit)' Instrumenl and thc ob1i,allons SteUrcd hcreby shan remain rull)'crrcctlve II ifno Iccclendon had
oceurrcd. However.lhls riahl to reinsllle shaU nOllpplyin Ihe CliCohcceleralion under para,nphsU Of 11.
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NON.UNlfOIU4 COVl,.....h'1S Douower .nd Lender runhrr co"en.nl.nd ',rcc II rolloW\1
19. Atf.Jrr.llon; Rtmtdle.. lend" lhall Ih. nollc. 10 oorro.." prior 10 .cc.lerallon 101l0"lnl Borrow,,'1
.",ell.I,., eo'.n.nl at 'Cftem.ftllnlhls Secur'l, Iftllrum"'1 (bul nol prior 10 ,ccrlerallon under plrlCrlphllJ ..dI7
unlnl .pplltlhl, I.. pro,ldes olhrr.lltJ. und" Ihall nOllt, oorro.." ot, .monl Olh" Ihlnc.: C.) Ih. dellult; 01) Ih.
Icllon tllIulred 10 eutl Ih, dd.ulll Ie) .hen the d.t.ull mUll he euredl.nd Cd) Ihlllallutl 10 cure Ih. del.ulll..ptel".d
..., rnulll. .ccelerallon Ollh..um, "cured b, Ihl. Serurl., fnllrumenl. (otlclolure b, Judlcl.1 proceedh'al" ..1. o(
lilt Pre"rt,. Ltndcr Ih.U lurlh" lnlorm oorro." ollhe rlchlla rd".III. "Ier I('cderlllon .nd Ih. rlahlto 'I"rt 1.lh,
(areclolutl procCldl"llha non",,'uenr. 01 I dd....11 at .n, alh" ddensc ot Dorro"" 10 lectlerlllon Ind loreclolur.. It
I.. d.I,ulll. 101 curtd II .pnJnld, Lender a. hi opllon ml, rellulrt Immedllte pl)'mtnlla full of aUIIIIa.lCcured it, llal.
Senti., lallrumtn. .'Ihoul lunher demand Ind ml, rortclolt Ihll Seltutll, fnllrumenl b, JudJd.r proce.d.aCoLeader
.han be taUlled 10 collre'.1I tlpenl" Inru"ed In punulnllht rtmedlll pro"ld.d In Ihl. plrlltapla 19,1nclud.nL 'UIIIOI
IlIalled 10.IUorne)'I' IUllnd COlli 01 .ldt nldencc 10 Iht ul.nl permltled b, .pplltl.I.I....
20. Ltnd., 1n Po"n,'on. Upon .eeelerlllon under patlltlph 19 or lbandonment or Ihe Propen,. Lender (In
penon. b, Ilrnl Ot b, Judltilll, Ippoinled rtuinr) ,hili be enlilled 10 enter upon, like possession or Ind mlnl,e Ih.
Prope")' Ind 10 cOIl<<llhe renll ollhe Propcn)' Includln. thOle plSI due. An)' renll coll<<.td b, Lender or Iht rccclYCt
.hall be applied ftnl'. paym.nl .r 'h. .0111 0( manaC.m.nl .r Ih. Propcny and ",1I..lIon .r "n'l, Includln.. bUI not
Iimllcd 10. r<<.lv.,'s (en. premiums on rre.iver', bonds .nd reason.ble IlIorn.)'1' rea. Ind Ihm 10 thc 'umllCC\lred b,
Ihl. Steuril)' Inslrumenl.. . .
2f. R.ltut. Upon plymenl of .1I,ums ,"ured by Ihl. Steuril, Inllrumenl, undu lhall dlschafJc Ihll Sccuril,
Instrument wllhoUI chlr,c 10 Dorro,,'cr. Darrowcr .hlll pi)' In, record. don CDlII.
n. R.ln.t.l.m.nl Period. Borrower'lllme to relnlllle provided fn pltI,raph Illhlll ulend 10 One hour prior 10
Ihe commenctmenl ofbiddln,'1 ..hrrift'"s sale or olher "Ic pursulnl to Ihrs SKurh)' Instrument.
23. P.r.h... Mon., Mortc.c..lrany .r'h.dcbl....red by ,hi. Seeurhy In"",m.n.iI len.'. Dorrower 10ocquJ..
dll. tOlhe Propln)'.lhls Stcuril)' Instrumenlshln be I purchllC mant)' monl"c.
24. Inlern' Rite Aller Jud,mtnl. Dorrower 'Iren Ihlllhe Inlerlll ralc paYlble .fler aJud,mmlls enlered on Ih.
Noltar In In action ofmon,l,e forcclosurelhlll be Ihe ral~ payabl. (rom time 10 Ifmeunder Ihe NOIe.
, 25. Riden 10 Ihls Stturll, InUrumenl. If one or mOrt rid.rs .re eleculcd by Borrower Ind I'tCOrdtd lo,clher wllb
Ihb Sccuri.y 'n"",m.n., Ih. ",..nanlland .,rremenll.r ..ch .uch rid.r .hall be In.o'POnled In.o.nd .hallllllflld and
lupplemenl Ihe CO\'.n.nll Ind I,rfemenll o( Ihis Srcurlly InstllJmenl U I( Ihe rider(l) w.re I pan of Ihil SecurilY
'nll",mml. (Ch..k applicabl. bo.,..)) ,
o Adjullabl. Ra.. Rld.r 0 Condomlnl.m Rld.r 0 ,.4 Flmdy RIder" " ,
o Ond....d Paym.nt Rid..
O. Plann.d Unh Pmlopm.n' Rid..
o O'hcr(.) (speciry)
'.
. DY SIONINO BELOW. Borrower Iccepll Ind Icrres 10 Ihc lerms Ind covenlnt. conlllned hi Ihls Security
Instrumenllnd in Iny ridcr(l) clC'euled b)' Dorrower Ind r"orded with h.
WitnllHlJ
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(S.al)
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COMMONWEALTH OF PENNSYLVANIA,
COUNTY OF
,..
On Ihls
~'ND
d.yor FEBRUARY
." ..
. A.D. 19 90 .... tie/ore '"
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cam. Ih. abov..namcd
CREC L. ANDERSON, IWlEN D. ANDERSON, BUItE E. ANDERSON, JR. AND
DORIS J. ANDERSON .
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.cknowlodJtd Ih. wllhln Ind.nlur. .r MortC". 10 b. THEIR
I.m. 10 be ..cord.d II such.
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WITNESS my hand and ...1, Iho day and yo.. .ror.sald.
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... ALL THAT CERTAIN l.t .f land .nd rul ..t.t., b.inS lot 16 .ho\lll
,.' .n th.t .ertaln Prellmln.ry /Final Subdlvhl.n PIon f.r Col/vlev
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." .; referred to in the within in.trUIIlnt, in lIa.pdln Town.hip,
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CUmberland County, Penn.ylvania, .ore particularly bounded and
d...rlb.d In ....rd.n.. with ..Id Pr.lialn.ry/Fln.l Subdivl.l.n
Plan al follow I
BEGINNING .t . point on the ...t.rly .dS. .nd rlsht-.r-v.y Iln.
of Clubhou.. Driv., vhl.h b.slnnlns point i. .n tho v..t.rly .nd
of the co.aon boundary line bet"e.n Lot 16 herdn de.crlbed and . :. ,,: .'
'Lot 15 of Co1fvlev altuate to the louth thereot; th.nce .10nl the .. ".
'.Iterly edge of ClubhoulI Drive alone a curve to the rl,ht an ....~ ;.:~t.~..>...::
.rc.dl.tance of 11.83 teet to . point; thence .10ng the e..terly
edse ot Clubhoule Drlv., North 25 degre'I, 09 minute., 50 lecond... ':.:~'.:.:;';".'Z.,'~:'
Velt, . di.tance of 70.56 teet to a point; thence alons a curve
to the risht, an arc dhtlnce ot 29.11 teet to a point; thence '. :.;.,~~.~
.l.ns tho ..uth.rly .dS. of Clubh.u.. Driv. N.rth 59 d.sr.... 56.
minute a , 15 lecond. Ellt. 120.04 teet to a point; thence a10na
the .....n bound.ry Iln. b.tv..n Lot 16 h.r.in d...rlb.d .nd Lot
18 .f Colfv!ev. South 29 d.S"'" 20 alnutea. 38 ....nd. Eaat.
a dl.tance of 100.01 teet to . point; thence .10na the co.mon
b.und.ry lin. b.tv..n Lot 16 h.r.ln d...rlb.d .nd Lot 15 .f
Coltview. South 59 delreea, 56 .Inutel, 15 I.condl Vllt. I
di.t.n.. of 142.28 f..t t. . p.lnt .n the ...t.rn .Id. .f
Clubhou.. Driv.. the polnt .f BEGINNING.
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HAVING THEREON ERECTED. .1nSl. f.ally dwell Ins known .nd
nuabered .1 4103 Clubhoule Drive. Hechanlc.burg, Pennlylvania.
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BEING THE SAllE PlEHISES vhl.h S , A Cuetoa BuU t Hoa... In... .
PA ..rpor.ti.n, by thl. Ind.ntur. b..r1ns d.t. the 23rd d.y .f
February A.D. 1990. .nd Intended to b. torthwlth recorded in
the Dffl.. for the l..ordlns .r De.d. in .nd for tho County .f
CUaberland. Commonwealth ot Pennlylvanla. grlnted and conveyed
unto the laid MOrtllsora. in tee.
UNDER AND SUBJECT t. ..rt.ln r..trl.tl.n. n.v.f r...rd.
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bOOK 9R~ r~;[ 276
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NOTE
.
'FEBRUAltJ 23
FA
. I' 90
CAMP HILL
Ie",
11""1
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4103 CLUBHOUSE DRIY!
MECIIAHICSDURC
I~AlNr...1
17055
PA
I. BORROWER'S PROMISE TO PAV
In 'dum ror I loan thll I hIVe ,<<cived, 1 promlle ID pay u.s. s
145,000.00
(Ihls .mounlls ..lIed
"prln,lpal'. phil (nlertSt, to Ihe order orlhe Lender. The Lender is
CHAC MORTGACE CORPORATION OF PA I und.nllnd
thlt Ihe Ltnde, may Irlnster this NOle. The Ltnder or Inyone who likes this NOle by Innsrer Ind who (s enlhled to
rtcdvc paymtnll under this Note Is ,allcd Ihe "Nole lIolder,"
2. INTEREST
Inl"<l1 will be .harled on unpaid princlp.1 undllh. full.mounl of princlp.1 h.. be.n p.ld. I will pay Inler<lUI.
y..,ly r.re of 9.875 \\. .
Th.lnl"<l1 rare required by IhI. S..tlon 2 is Ih. rale I will p.y bolh before .nd .ner .ny d.f.ult described In
~tlon6(D)o(lhI.Nole.
3. PAYMENTS
CA) nm, and Plae, or PllmenlS
I will pay prin.lpal.nd Inre'<l1 by m.klnl paym.nts every monlh, .
I wlllm.ke my monlhlyp.ym.ntsonlh. I.t d.yof...h monlb bellnnlnlon APRIL 01 ,
I' '0. I will m.ke Ih<l. p.ym.nll every monlh unllll haY' paid .11 of Ih. princlpal.nd Inl.r<ll .nd .ny other .h.....
described below Ih.,1 m.y ow. under Ihl. NOIe. My monlhly p.ymenll will be .pplled 10 Inler<ll befor. prin.lpal.Ir, on
KARCH 01 . 2020. 111m owe ImounlS under thi\ NOlt. I will pay those amounts In rull on lhat date.
which Is called Ihe "malurlty dale." ,
I will m.ke my monlhly p.ym.nlut 8360 OLD YORIC ROAD, ELKINS PARIC, PA 19117-1590
or .1. dlll'...nt plmlf required by Ih. NOI. Holder.
(B) Amount ofMonlhly P.ym.nts
My monlhly paymenl will be In Ih. .mounl of U.S. S 1,259.11
4. BORROWER'S RIGHT TO PREPA V
I have Ih. rilhl 10 m.ke p.ym.nll of principal ., .ny 11m. befo,. Ih.y .re due. A pa)'lllml of principal only I.
known IS I "prcpaymenl." When 1 make a prepayment. J will lell the NOle Holder in wrllln,lhal J am doln, so. .
I may m.ke. full prepaym.nt or panl.1 prep.ym.nts whhoul paylnl.ny prcpaymmt.harlc. Th. NOI. Holder
will use a1l or my prepaymenllto reduce the Imount or principal Ihat I owe under this NOIe. Jr J mate a partial
prepaymtnl, Ihere win be no chanles In Ihe due dale or In Ihe amounl ot my monlhly payment unless the NOle Holder
I,rea In wrilin,lo those ,hancCl.
5. LOAN CHARGES
Ir. law, which Ipplies 10 Ihls lOIn and which Ids mlllmum loan chltles, Is fin.lly InlerpRled 10 Ihlt the Intercst
or olh.r loan .harl<l coll,,'ed or 10 be coll,,'ed In conn..llon whh thl. lo.n .med Ih. pcrmllled IIml... Ihm: 0) .ny
lu,h loan eharle .han be reduced by Ihe amount ncctSllry 10 reduce Ihe char,e 10 the permitted IImh; Ind (11) Iny sums
.Iready coll,,'ed from mc which m.ed.d pcrmllled limits will be refunded 10 me. Th. NOI. Holder m.y .h....lo m.ke
. Ihl. rotund by reduclnllh. prinolp.1 low. under Ihl. Nor. or by m.klnl . dlr... p.ym.nllo me. tr. r.rund redu...
prindpal. the reduellon will be "tiled I' a panlal prcpaymenL
6. BORROWER'S FAILURE TO PA V AS REQUIRED
(A) Lal< Ch,,,".r 0",4u. P.ym.nll
trlh. NOI. Holder has nOI ,...I.ed Ih. (ull.mounl of.ny monlhly paym.nl by Ih. end of 15 ..lmdJr
d.,.. .n.rth. d.l.hl. du..' will pay .1... chili. 10 Ih. Nol. Holder, Th. .mount ofth. chari. will be 5.00" of my
overdue payment orprinelpaland inlertSl.1 will pay Ihls Iste chltle promplly but only once on each laic plyq1tnL
(B) D.r.ult
rn do nol pay lhe full.mounl of .ach monlhly p.ym.nl on th. d.,.hl. du..1 will be In d.f.ull.
(c) NolI.eorner.ult
Irlam In derault. the NOle Holdcr may send me a wrlllen nollee lellln, me thll irJ do not pay the overdue amount
by. ccn.l~ dat.. Ih. Not. Holder m.y requlr. m.lo p,y Immediately Ih. full.moun. ofprinolp.1 whl.h hu not been paid
Ind al1lhe Inlcresllhal 1 owe on Ihal amount. nal date must be It leasl 30 days aner the date on whl,h the nOli" Is
delivcrtd or mined to me.
(D) No W.I", By NOI. "older
E..n If, .t.llm. wh.n I.m In d.f.ull. Ih. NOI. "old.r does nol requlr. m. 10 pay Immedl...ly In full II described
.hov..lh. NOI. "older wlllllill h...,he rilhllO do ..In .m In d.f.ult...I.,er lime.
lEI P.YIII.nl or No.. Hold.r'. Costs and Espt....
tr Ih. Nol. Holder has required m. 10 pay Immedl.I.ly In full as described .hove. Ih. Not. Hold.r will have Ih.
rilhllo be paid ba.k by m. fo,.1I of It. COIts.nd ..penl<S In mforclnllhls No.. 10 Ih. .atent nOl prohlblled by '1'JlIIcabl.
law. nose ClpcRlCS Indude, ror cumple, reasonable aIlOmC)'1' tees.
7. CIVlNG OF NOTICES
UnltS1.ppllcabl.l.w requl,<I. dill'.rmt m..hod. .ny nollc.,hat mull be p.m 10 m. under Ihl. NOI. will be p_
loy d.llverinl II or by m.lllnl II by nnl c1as. m.lllo m. .tlh. Pr.pcny Addr... .bo.. or .,. dlll'ercnt.dd....1f I aI..th.
NOl. H.lder. nOlle. of my dill'ercnl.dd'<I~
Iuoy notice lhal mu'l be II.m 10 .h. Not. Holder under Ihl. NOI. will be p.m by malllnlll by nn...... maD 10 lb.
NOI. Holder .,Ih. .dd.... .lIled In ~llon 3(A) .hov. or ., . dlll'.rcnl .ddr... If 1 .m p_ . noli.. 0( lhal dlrerml
add.....
MULTlSTATE FIXED RATE NOTE'-Sln", ,.."n,-nuumfL"C UN".... INST.U"[HT '" r.... u.. UIU
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..- ;, "":OBI.JC-\nClNS OF PERSb:$ UNDER TIIis NOTE' :0<<'
, ., Jr mo,clhan on. penon .I,nllhls NOle, ..eh penon Is rully and penonally obli,aled 10 hep all cr the proml...
.,. . iaadc In IhIs NOlc.lncludinllhe promllC 10 PlY the fullamaunl owed. Any penon who 1IIIuannlor, lurcl, or cndontt'
o(lhls Nole I. .1.. obll,ated 10 do Ih... ,hlnl~ Any penon who I.kn 0'" 'h... obll,.llon~ Indudln,lh. obll,allonl 0( a
...nn..,. .ure.y 0' ..done, crlhls No... I. .Isooblilatcd 10 kerp all o(lhe p,oml... made In Ihl. Noce. The NOIe Holder
may ..rorce II, ri,hl. under IhI. NOI. al.lnll ca.h penon Indl.ldually 0' a,alnll all or u, 10le'her. Thl, mesn, lhal an,
one orUI mlY be required 10 pay all orahe amounU owed under this Nair.
,. WAIVERS
J and an, olher penon who hiS obli'ldons under Ihlt NOle waive Ihe ri.hl. or pracnlmcnland nodcc otdl.bonot.
"Pracnlmcnl" means the ri.hl to require the Nol. Holder 10 demand plymcnl of amounls due. "NOlle. or dishonor"
mc:anJ the rilht to require the NOle Holder 10 live notice 10 olher pcnonslhal amounls due hue not been ptld.
ID. UNIFORM SECURED NOTE
This NOI.I. a unl(onn Inllrum..' wllh Iimlled .ariallon.ln someJurisdl.llon~ In addlllon 10 Ihe prole.,lon, II...
10 Ihe NOle Holder under 'hi. No.1, a Mon",1, D.ed or Trull o. Securi.y Peed (Ih. "Sccurilylnllrumcn'"l, daled lha
same dale u Ihls NOlI, proltd. 'h. No.. Holder rrom possible I..... which ml,hl ,null Ir I do nol kccp'he proml...
whleh I mab In ,hla NOIe. ThaI Securilylnllrum.nl d...ribn how and under whal condlllo..1 may be requl'ed 10 mab
Immediale l'Iymmlln rull ofsllamounl,l owe under Ihls NOle. Some orlh... .ondlllon. arc described a. rollows:
T....r.. otlb. Properly b, a B...nelll IIlernlla Bore...,. l(all 0' any pari or Ih. Properly or
anylnlcral In It ia told or lra..rerred (0' I( a ben.ncl.lln..,nl In Bonower I. told or lran.rerred and
Borrower It not I nalural penon) wilhaul Lender's prior wriuen tonsenl, Lender ml" Illtl opllon, require
Immedialepaymmlln rull or.1I .um'ICCu,cd bYlhl. Securi'ylnllrum",. Howner, ,hi. opllon .haIl nol be
uerclscd by Lender If e.."lseia prohibited by red.nllaw U orlh. da.. oflhl. Securilylns'rummL
If Lender caerel... Ihl. option, Lender Ihlll,l.. Borrower noli.. or a..derallo", Th. nOli.. .hall
pro>lde a period 0( nOli... lhan 30 dall rrom Ih. dal. ,he noclee Is d.llw,od 0' mailed wllhln whleh
Bonowcr mUll pay aU .um. secured bylhl. Securilylnllrumenl.1( Borrower r.lI. 10 I'IYlh... .ums prior 10
Iha caplrallon cr Ihll period, Lender mayln.ob any ,emedln pennlued by IhI. Securily Inllrumen.
.wilhoul funhcr nOllce or demand on Bonowcr. ..
WI1lI!SStlll HAHll(SJ AND SEALlS) OPtllE UHDElS'OHED.
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Wllne..
(Seal)
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(Seal)
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pAVTOlHEORDERa:
FEDERAl. HOMS lOloN /I.CRTClAGE ~DRl'ORATIOtl
WITH RECll'JF.sE'rr!I!l~D:'V
OF _ . __ '~'111.._.
C/J.A UCR;Cl~t'1:CCRr0AA110IlCrPA
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STREET
CITY
STATI
ZIP
AnN
AND IIIIEN RECORDED NAIL TO,
CKAC HORTGACE CORPORATION OP PI.
8360 OLD YORK ROAD
ELKIHS PARK
PItHNSYLVANIA
19117
LOAH TIWlSHI'lTAL DEPAR'nCEHT SPACI ADOVI TillS LIHI POR RECORDERS UII
NOTlz Afear h.vlnl bo.n recorded, Till. ...lafl.ant .lIould be kept
with the Hate and Honalae hereb)' ....aned.
ASSICKHEHT OP HORTGACE
FOR VALUE RECEIVED, the underollned hereb)' Irent., a.olln. and tran.ter. to
FEDERAL 1I0HI LOAN HORTGACI CORPORATIOH
2231 CRYSTAL DRIVE, SUITE 900
ARLINCTON. VA 22202
all benetlclal interelt under thAt certeln Horttl.e fl.te~ F!aRUARY 23RD , 1990, e.ecuted
b)' CREC L. ANDIRSON, KAR!N D. ANDERSON, aLAKit E. AHD!RSoNf'AND DORIS J. ANDERSON, "ortl.lor:r
'0 CHAC HORTGACE CORPORATION OP PI.. HORTGACEE
(nllrc..h 3.. .
po,e .a'1~ , .. a Docu.ent NU.ber In
CUMDIRLAHD Coun.y. .t.u...d tn CARLISLE. PENNSYLVANIA
and recorded
19'10 IN Dooki\Yohno~ qloB
the ottice or the
at Hortaa.e on
Count)' Recorder at
4103 CLUDHOUSE DRIVE
HECIIANICSDURO, PI. 17055
Toaethar with the note or note. therein de.cribed and .ecured therab)', the aone)' due and to
beco.. due thereon, vith intere.t, and all riaht. accrued under .oid note and .ortll.e in
;;'~::::::~.:~'~:.;:;:;;: ~ ::::: ....... ~ ...,....... ,:~;::';;C
8360 Old York Ro.d ( Ct "-- ,'~/:"'. ..,:
Elkin. Park, PA TANH ;-. .
19117 STANT VICI PRESIDINT "~.1.~'" t.:..: '.
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STATE 0' PEHNSYLVANIA
COUNTY OP HOHTOOHERY
On thi. 21ST day or HARCH, 1990, betore .e, a Notary PUblic In and tor .Ild Monelo..ry
County, pauonaUy apP.lrf!d C. TANH and J. !lAnRIS kno"n to .. to b. the A..iatanr: Vice
pr.aident .nd Allhtent Secrecar)' known to .a to be~he tlcer. or CHAC HO T,CAQ! CORPORATION
OP PI. the Corporaclon thlt executed the vithin in.r: ent, and a1.0 k n to .e (or proved
to .e on the ba.i. or ..chhccory evidence) t e the perlon" execuced the vithin
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8360 OLD YORK ROAD' ELKINS PARK, PA 19117.1590
TELEPHONE: (215) 881.1838
.., .
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983
PLEASE READ THIS NOTICE: YOU MAY BE ELIGIBLE FOR
FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS
. ,
. D~TE:'
, . ,
DEeEI\BEn 03,1993
"I,. 'f"
.... .
TO: BLA~E E AIID ER:iOH J f( . ,
410~ CLUBHOUSE DR
,HEt'IfANICSDUllG
RE: ~103 .CLUBHOUSE DR
HEeH ANIe SBURG
PA17055 _ PA 17055 ",
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.......,..
FROM: GMAe MORTGAGE eORPOll~TION OF'PA
RE: 21-737012-1
Your mortClaCle Is In serious default because you have failed to pay, promptly, Installments of princIpal
and Interest, JlS reoulred, for a period of at least' sixty (60) days. The total amount' of delinquency
Is $ 4,i'lllO.1 q That sum Includes the following:
thru' O,eT,3,l ,19?3 S ' 1,489~4S $ .. f,439~'45 ,'.- .' ~ .
@ , ,
Late charBes @ S 62.116 S 62.96
thru DEC 2,1 n3 @ $ 1,500.93$ 3,D01.86
Late Charges ,@ $ 62.96$., 62.96.
thru @ $ 0.00 $ 0.00
Lale Charges @ $ 0.00 S 0.00
thru @ $, 0.00$ 0.00
. .~..
Late Charges @ $ " 0.00 $ 0.00
Advances $ 0.00
Accrued Late Charges $ 02.96
NSF Fees $ 0.00
Less Suspense S 0.00
'Other ( )
, ' TOTAL AMOUNT DUE $ 4,680.19.
.-........,.~.,.-.
You mav be ellCllble for financIal assIstance that will prevent foreclosure on your mortgage' If you comply
with the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Act"). You may be
eligible lor emergency temporary assistance II your delault has been caused by circumstances beyond your control,
and II you meelthe eligibility requirements of the Act as determined by the Pennsylvania Housing Finance Agency,.
Please read all 01 thIs NotIce. It contaIns 8n explanallon of vour rlClhts. , .
.
~ . '. '
Certified Mall No. P
Under the Act, you are enlltled to a temporary stay of foreclosure on your mortgage for thIrty (30) days from the
date of this Nollce. During that lime you must arrange and attend a "face.to-face" meeting with a representative
of this lender, or with a designated consumer credit counseling agency. The purpose of thIs meellng Is to attempt
to work out a repayment plan, or to otherwise settle your delinquency. That meetlna must occur
In the next thIrty (301 davs.
"
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CA911C57
-~"_.~_.~-.-~------
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II you attend a face.to.face meeting with this lender,. or. ~th a consumer credit counseling agency Identified
with this notice, no further proceeding In mortgage foreClosure may take place for thirty (30) days alter the date
. 'of that meeting. ... .
The name, address, and telephone number 01 our representative appears on the letterhead 01 this notice.
The names and addresses of deslgOlited consu'mer credit counseling agencies are enclosed with this notice.
'... .. '.. .
tt Is only necessary to~chedule one face.to.face m.~eting. You should advise this lender Immediately 01
your Intentions. '.. .:.:.....: :..::........ .'
II you have tried and are unable tq resolve this problem at or alter your face.to.face meeting, you have the right to
apply for financial assistance from the Homeowner Emergency Assistance Fund. In order to do this, you must fill
out, sign and file a completed Homeowners' Emergency Assistance Application with one of the designated
consumer credit counseling agencies. An application for assistance may only be obtained from a consumer credit
counseling agency. The consumer credit counseling agency will assist you In filling out your application and will
submit your completed application to the Pennsylvania Housing Fihance Agency. Your eppllcellon must be flied
or postmarked, within thlrtv (301 davs of vour face.to.face meetlnCl.
You must either mall your eppllcation to the Pennsylvania Housing Finance Agency or must file It at the office of
one of the designated consumer credit counseling agencies on the attached list.
THE PENNSYLVANIA HOUSING FINANCE AGENCY Is located at:
2101 North Front Street .
P.O. Box 8029
':'.'.:.".1. "::'-;" """,' '," ," r' Harrisburg, PA 17105
:""':.::' :!: '. :-. Telephone Number: (717) 780.3800 or toll free 1.800.342.2397
It Is extreme Iv Important that vou file vour application promptlv. If vou do not do so. or If vou do not follow
the other time periods set forth In this letter, foreclosure mav proceed aClalnst vour home Immedlatelv and
vou will forfeit vour ellCllbllltv for assistance. .
Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under
the eligibility criteria: established by t.he A~l. '
, ,
It Is extremelv Important that vour application Is accurate and complete In every respect. The Pennsylvania
Housing Anance Agency has sixty ,(60) days to make a decision alter it receives your application. During that
additional time, no foreclosure proceedings will be pursued against you If you have met the tim'e requirements set
forth above. You will be notified directly by that Agency of its decision on your application.
In addition, you will receive another notice Irom this lender under Act 6 of 1974. That notice Is called a "Notice of
Intention to Foreclose". You must read both notices, since they both explain rights that you now have under
Pennsylvania law. .However, If you choose to exercise your rights described In this notice, we cannot foreclose
upon you during that time. Also, If you receive financial assistance from the Pennsylvania Housing Anance Agency,
your home cannot be foreclosed upon while you are receiving that assistance.
. .~,I ~ "'.,' . ;1. : .' ,'w, .
Very truly yours, "
''.:;';,';. 0':" .
. ..
. . "
....
.....
. .
GMAC
Mortgage
.
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1862
8360 OLD YORK ROAD' EU<lNS PARK, PA 19117.1590
TELEPHONE: (215) 881.1838
".
.. .i
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983
PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR
FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS
DATE: '....DECEMBEit 03,~993'
TO:' UORIS ' J ANDERSON
4103' CLUBHOUSE DR
. REcHAtncsBURG
. .... ~ I ,
. ,'..
RE: 4103 CLUBHOUSE DR
I1ECHANICSBURG
P A 1705S _ PA 17U5S
. .
FROM:
GHAC 110RTGAGe CORPORATION OF' P"
~1-737012:;"
RE:
.'
.'
Your mortoaoe Is In serious default because you have failed to pay, promptly, Installments of principal
and Interest, as required, for a period 01. at least sixty (60) days.. The total amount of delinquency
Is $ 4,680.19 That sum includes the following: .
OCT01,1993 '.thru' OCT31 ,19'H
. . Late Charges ' .
l-lOV01,1993 thru DECOl,1993
Late Charges
thru .
Late Charges
thru .
Late Charges
Advances
Accrued Late Charges
NSF Fees
Less Suspense
.Other (
@ $
@ $
@ $
@ $
@ $
@ $
@ $
@ $-
TOTAL AMOUNT DUE
1,489.45$
, 62.96 $
1,500.93 $
62.96 $
0.00 $
0.00 $
0.00 $
0.00 $
$
$
$
$
)
$
1,489.45 "
62.96..
];001';96'
,62.96
.' 0.00 ..
0.00
. 0.00. ;.... .
. " '..;" 0.00
, 0.00
62;'96
0.00
0.00
....
",' . t' ... ,'I'
'4 '680 '1'9: ...........
, . ',",.
. .
You mav be ellolble for financial assistance that will arevent foreclosure on your mortgage if you comply
with the provisions 01 the Homeowners' Emerg8ncy Mortgage Assistance Act or 1983 (the "Act'~.. You may be
eligible for emergency temporary assistance II your delault has been caused by circumstances beyond your control,
,and if you meel.Jhe eligibility requirements 01 the Act as determined by the Pennsytvanla Housing FInance Agency.
Please read all of this Notice. It contains an exalanatlon of vour rlohts.
.
Certified Mail No. P
..'
. .'~" ; I' .'
.. 0', .'i. ,.:
Under the Act, you are entllled to a temporary stay 01 foreclosure on your mortgage for thirty (30) days from the
date 01 this Notice. During that time you must arrange and attend a "Iace.ta-face" meeting with a representallve
01 this lender, or with a designated consumer credit counseling egency. The purpose of this meeting Is to attempt
to work out a repayment plan, or 10 otherwise settle your delinquency. That meetlno must occur.
In the next thirty (30\ davs.
1
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II you allend a face.to.face meellng with this lender, or with a consumer credit counseling agency identified
with this nollce, no further proceeding In' mortgage foreclosure may take place for thirty (30) days alter the date
of that meellng. .,
The name, address, and telephone number 01 our representative appears on the lellerhearf of this notice.
The names and addresses Qf designated consumer ~redit counseling agencies are enclosed with this notice.
It is only necessary to ,sc~edule . one face'lo.face meet)ng. You should advise this lender Immediately of
your Intentions. ' .,.. ' ,
. . :, ;::...: ;'{ t....\ .. '. . . . ,~. "
II you have tried and are unable to resolve this problem ,at or alter your face. to-face meeting, you have the right to
apply for financial assistance from the Homeowner Emergency Assistance Fund. In order to do this, you must fill
out, sign and file a completed Homeowners' Emergency Assistance Application with one of the designated
consumer credit counseling agencies. An application for assistance may only be obtained from a consumer credit
counseling agency. The consumer credit counseling agency will assist you In filling out your appllcallon and will .
submit your completed application to the Pennsylvania Housing Finance Agency. Your aDDllcatlon must be flied
or Dostmarked, within thlrtv 130\ davs of vour face.to.face meetinCl.
You must either mall your appllcallon to the Pennsylvania Housing Finance Agency or must file It at the office of
one of the designated consumer credit counseling agencies on the attached list.
THE PENNSYLVANIA HOUSING FINANCE AGENCY Is located at:
2101 North Front Street .
P.O. Box 8029
, ., " , , Harrisburg, PA 17105 '
.':..Telephone Number: (717) 780.3800 or totl free 1.800.342.2397
" '
It Is exlremelv ImDortant thaI vou file vour aDDtlcation DromDtiv. If vou do not do so, or If YOU do not follow
the other time Derlods set forth In this letter. foreclosure mav Droceed aClalnst vour home Immediate Iv and
vou will forfeit ~OU! ellCllbllltv for assistance.
Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under
the eligibility criteria' established by the Act.
. ..
It Is extremely ImDortant that vour aDDllcatlon Is accurate and comDlete In every reSDect. The Pennsylvania
Housing Finance Agency has sixty (60) 'days to make a decision alter It receives your application. During that
additional time, no foreclosure proceedings will be pursued against you II you have met the time requirements set
forth above. You will be notified directly by that Agency of its decision on your application.
In addition, you will receive another notice from this lender under Act 6 of 1974. That notice Is called a "Notice of
Intention to Foreclose". You must read both nollces. since they both explain rights that you now have under
Pennsylvania law. ,However, If you choose to exercise your rights described In this nollce, we canpot foreclose
upon you during that time. Also, If you receive financial assistance (rom the Pennsylvania Housing Finance Agency,
your ~~me cannot be foreclosed upon while you are receiving that assistance.
..~. ...... ,.0. . . ~.: "
VerY tnily yours,' ',-' ! :: ':.':
, -: .:....; :~. . -:. ....: . .'~ :..::....
.....:.... .......1.: ..,.: ".
GMAC
Morlgoge
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8360 OLD YORK ROAD' ElKINS PARK, PA 19117-1590
TELEPHONE: (215) 881.1838
,0
..
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983
PLEASe 'READ THIS NOTIC'i:.' YOU MAY BE ELIGIBLE FOR
FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS
, .': ' 'DATE:' ,DEC'~ii~ER OJ,1~?3 ;,
RE: 4103 CLUBHOUSE
" flECK AHtC SBURG "
PA 17055
DR'
"
TO: GREG' L ANDeRSON
:10103" 'CLUBHOUSE' DR '
11'ECH:\rnCSaURG ' . , ,,'
., .. .
I'll 17055_
'. '
..... I' ,.:' ..... '.. ,"
FROM:
RE:
G~AC MORTGAGE CORPORATION OF PA
21-737012";1
i'
Your mortClaCle Is In serious default because you have failed to pay, promptly, Installments 01 principal
and interesl, as required, for a period of at least sixty (GO) days. The total amount 01 delinquency
Is $ 1,,680.19 Thal5um Includes the lollowing:
You mav be ellCllble for financial assIstance that will prevent foreclosure on your mortgage If you comply'
with the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Act". You may be
eligible for emergency temporary assistance if your default has been caused by circumstances beyond your control,
,. . and If you meet the eligibility requirements of the Act as determined by the Pennsylvania Housing FI!lance Agency.
Please read all of this Notice. II contains an explanation of vour rlClhts.
.
Certified Mail No. P
.
Under the Act, you are enlllled to a temporary stay of foreclosure on your mortgage for thirty (3D) days Irom the
dale of this Nollce. During thaI lime you must arrange and attend a "face.ta-face" meellng with a representallve
of this lender, or with a designated consumer credit coun~eling agency. The purpose of this meellng Is to attempt
to work out a repayment plan, or to otherwIse settle your delinquency. That meetlnQ must occur
In the next thlrtv 1301 davs.
CA91/t57
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. If you allend a face.to.face meeting with this lender,.or,wlth .a consumer credit counseling agency Identified
wilh this notice, no further proceeding In mortgage foreclosuro may take place for thirty (30) days aller the date
of that meeting. " ,...,. .
The name, address, and telephone number of our representative appears on the lellerhead of this notice.
.. . -. ...... .. ...,
The names and addresses of designated consumer. credit counseling agencies are enclosed with this notice.
.". ..
" '.' ,,' .
It Is only necessary to schedule ,o.ne. face.to~face ",eetlng. You should advise this lender Immediately of
I I " "",~",,,!,, ' , .:: ~ '.
your ntent ons. . .. ... .. ,'.'.,. ,. ..
\ .., ..,. : . ..
11 you have tried and are unable to resolve this problem.a!, or aller your face.to.face meeting, you have the right to
apply for financial assistance from the Homeowner Emergency Assistance Fund. In order to do this, you must fill
out, sign and file a completed Homeowners' Emergency Assistance Application wilh one of the designated
consumer credit counseling agencies. An application for assistance may only be obtained from a consumer credit
counseling agency. The consumer credit counseling agency will assist you In filling out your application and will
submit your completed application to the Pennsylvania Housing Finance Agency. Your appllcatlon must be flied
or postmarked. within thirty f301 davs of vour face.to.face meetlno.
You must eilher mall your application to the Pennsylvania Housing Finance Agency or must file It at the office of
one of the designated consumer credit counseling agencies on the allached list.
THE PENNSYLVANIA HOUSING FINANCE AGENCY Is located at:
2101 North Front Street
P.O. Box 8029
,\'.. " ,', '.,; ',":", .. ".. Harrisburg, PA 17105 "
,.. ;".. '! . Telephone Number: (717) 780.3800 or toll free 1.800-342.2397
It Is extreme Iv Important that vou file vour appllcallon prompllv. If vou do not do so. or If vou do not follow
the other time perIods set forth In this leller. foreclosure mav proceed aoalnst vour home Immediately and
vou will forfeit vour ellol~lIItv for assistance.
. Available funds for emergency mortgage assistance are very Iimiled. They will be disbursed by the Agency under
the eligibility criteria established by the Act.
. .
. '
It Is extreme I"; Important that YOUr application Is ac'curate and complete In every respect. The Pennsylvania
Housing Finance Agency has sixty (60) days to make a decision aller iI receives your application. During that
additional time, no foreclosure proceedings will be pursued against you If you have met the time requirements set
forth above. Y,ou'wlll be notified dlre~lly by that Agency of lis decision on your application.
In addition, you will receive another notice from this lender under Act 6 of 1974. That nollce Is called a "Notice of
Intenllon to Foreclose". You must read both notices, since they both explain rights that you now have under
Pennsylvania law. ,However, If you ~hoose to exercise your rights described In this notice, we cannot foreclose
upon you during that time. Also, If you receive financial assistance from the Pennsylvania Housing Finance Agency,
your home can,no.t be foreclosed upon while you are rec~lvlng that asslstancl!.
..... t ." '. _, '':..J..'
Very truly yours, ':'.'
" ;". - ~. ,(,,: ::. :' " .
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GMAC
Mortgage
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.;, M,or.t.gage .
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8360 OLD YORK ROAD' ELKINS PARK, PA 19117.1590
TELEPHONE: (215) 881.1838
. ~ ....
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,
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983
PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR,
FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS
,','.' .
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DATE:,
oaCEIlBEn OJ,1993
"
TO: KARcH D ANDERSON
1,103' CLUUH'OUSE DR
H!;CH"NICSt\URGi
t". . ..
RE: 4103 CLUBHoUSE DR,' , I'
MECHA'tUCSBURG ' ~_,
PA 17oSS;' PA 17055 .
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FROM:
G)'lAC HORTGAGE CORPORATION OF' PA
"
RE: 21-73701Z-1
Your mortQaQe Is In serious default because you have failed to pay, promptly, Installmenls of principal
and Inlerest, as required, lor a period. of at least sixty (60) days. The total amount of delinquency
Is $ 4,6 ilO.19 That sum includes Ihe following:
jC T01 ':1993 thru OCT31,1 991 @ $ 1,489.45 $ , 1,489.45'
Late Charges' @ $ 62.96 $ 62.96
I:OV01,1993 thru DEC02,199] @ $ 1,500';93$" , ''':S,001.86
Late Charges @ $ 62.96 $ 62.96
thru @ $ 0.00 $ 0.00
Late Charges @ $ 0.00 $ 0.00
,thru @ $ 0.00 $ 0.00
Late Charges @ $ 0';00 $ 0.00
Advances $ 0.00
Accrued Lale Charges $ '62.96
NSF Fees $ 0.00
Less Suspense $ 0.00
.Other (, ) "
TOTAL AMOUNT DUE $ 4,680.19 .
You mav be ellQlble for financial assistance that will prevent foreclosure on your mortgage If you comply
with the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Act"" Ypu may be
eligible for emergency temporary asslslance If your defaull has been caused by clrcumslances beyond your con\rOl.
and If you meel the eligibility requlremenls of Ihe Act as determined by the Pennsylvania Housing Finance Agency.
Please read all of this Notice. It contains an explanation of vour rlQhts.
. .'1 "
.
Certified Mall No. P
Under the Acl, you are enlllled to a temporary slay of foreclosure on your mortgage for thirty (30) days from the
date of Ihis Nollce. During Ihal lime you must arrange and attend a "face.to.face" mailllng with a rapresenlallve
of this lender, or wllh a deslgnaled consumer crildll counseling agency. The purpose of this meellng Is 10 attempt
to work oul a repayment plan, or to otherwise sellle your delinquency. That meetlna must occur
In the next thlrtv 1301 davs.
CA921c57
; ,
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II you attend a lace. to. lace meeting wilh this lender, or with a' consumer credit counseling agency Identified
. .;., with this notice, no lurther proceeding In mortgage loreclosure may take place for thirty (30) days after the dale
01 that meeting.
"~ .
I
'.
The name, address, and telephone number 01 our representatlv.e appears on the letterhead 01 this notice.
The names and addresses 01 deslg~ated consumer credit counseling agencies ~re enclosed wilh this notice.
'.
It Is only necessary to schedule one face.to.lace meeting. You should advise this lender Immediately of
your Intentions. .. :. '.
r~; :.;:~.. . .:-.~' ._.... ..",
II you have tried and are unable to resolve this problem at or after your (ace.to.lace meeting, you have the right to
apply (or financial asslstimce from the Homeowner Emergency Assistance Fund. In order to do this, you must fill
out, sign and file a completed Homeowners' Emergency Assistance Application wilh one 01 the designated
consumer credit counseling agencies. An application lor assistance may only be obtained Irom a consumer credit
counseling agency. The consumer credit counseling agency will assist you In filling out your application and will
submit your completed application 10 the Pennsylvania Housing Finance Agency. Your aoollcatlon must be lIIed
or oostmarked, within thlrtv 130) davs of vour face.to.face meetlnQ.
You must either mall your application to the Pennsylvania Housing Finance Agency or must file il at the office of
one 01 the designated consumer credit counseling agencies on the attached list.
THE PENNSYLVANIA HOUSING FINANCE AGENCY Is located at:
2101 North Front Street
P.O. Box 8029
.,;'~' ." . : Harrisburg, PA 17105
,'. , .: Telephone Number: (717) 780-3800 or toll free 1.800.342~2397
!,,'r::- :
;....:..":".
It Is extremelv Imoortant that vou file vour aoollcatlon oromotlv. If vou do not do so. or II vou do not follow
the other time oerlods set forth In" this leiter, foreclosure mav oroceed aQalnst vour home Immedlatelv and
yOU will forfeIt your ellQlbllltv lor assIstance. ,
Available lunds for emergency mortgage assistance are very IImiled. They will be disbursed by the Agency under
the eligibility criteria established by the Act.
It Is extremelv Imoortant that vour aoollcatlon Is accurate and comolete In every resoect. The Pennsylvania
Housing Rnance Agency has sixty (50) days 10 make a decision after it receives your application. During that
additional time, no foreclosure proceedings will be pursued against you II you have met the time requirements sel
forth above. You will be nolified directly by thai Agency 01 Its decision on your application.
In addition. you will recl!lv,? another notice Irom this lender under Act 5 011974. That notice Is called a "Notice 01
Intention to Foreclose". You must read both notices, since they both explain rights thai you now have under
Pennsylvania law. Howe'/er, II you choose to exercise your rIghts described In this notice, we cannot foreclose
upon you during that time. Also, II you receive financial assistance Irom the Pennsylvania Housing Rmince Agene'/,
your home ca~nol be foreclosed upon while you are receiving that assistance.
,. :;~. ;' I. .' _ i. " :.....:.. . '; . . .
Very truly yours, ,"'.. " ,"
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GMAC
Morlgage
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", "DATE' I DEC.l;I:(,BE 1i",a'],1993 ' ," ,"
'. CERTiFIED MAIL- NO.:" .:P MA.3rt() ,3101
.'. ",' ,'. ~f . ~
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NOTICE OF INTENTION TO FORECLOSE AND-ACCELERATE LOAN BALANCE
. I.' ' ; .... I; . '.. ~ . . . .
. " , . " · RE: Mortgage Loan ~uin?er: " ~~~~3 ~~~~~~'u s~ DR
Mortgaged Premise,s. HE CHA NICS BU R G
JR '... '. '.. PA 1705~ .'
'.. .
. f " ..... . .. I ~...'
. Dt:AlCs ..: ;~f"E MjOl;~SON
TO. 'lal, 'CLUnijOaSE 'p.R...'.
;.lEClfi.IlICSOuIlG .p~ HOS5
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This company is too holder' of the FlRST MORTGAGE (AND' NOTE) on the above premises, or is
the mortgage service agent for such holder. (Hereinafter refc:rred to os we, us or ours).
..
As. of the date of this notice, THE MORTGAGE IS IN SERIOUS DEFAULT because )'011 hm'e npI
mack, the niolii[,ly'paymen'ts as listcd; andlor for oihel' reasons as indicatcd below,'". '. ,I
OCToi,'9,93 thru' OCT31,19'H@ $ 1i"89'.'~f$' ',:'. "1,48'9.45 .'
':'~f"'.:,.' "'~"''''62.96 :'. "62.96'
LATE~9f.~n 'DEC02,"199J @ $ 1;5.0.0.'93 $ '.' . 3;001.'86
':'r . 'C'. r, thru @..$ .. ".:6'2.96 $ 6'2.96'
LATE C~Rg~S ::,,".,~ .. @ . $ ,~';o'!i1.oa $ , , 'f '. 0.0.0
,. :.1/ ,. "(," thrl) @, $,c:::!'.a"Oil $ '.'.. '0.00:
LATE ~~~GES 'thru ~ ~.::,; .;.0.00 ~ . .0..00 .
LATE CHARGES @ $ ,.,. 0.00 $ 0.00
ADVANCES $ 0..00
ACCRUED LATE CHARGES '.'1'.' $ 62.96
~~~t~~~~i-is~:';" '. ' ' .~'.' i ~ . ~:gg
.OTHER ( )
The total amount now_required to cure tllis default, or in otller
. words, get caught lip in your payment as of the date of tllis letter, is $
I' "
.
.;
4..680.19
YOll may cllre this defalllt within THInlY (30) DAYS of the date of tllis letter, by paying to us the above
amount, 'plus any additional monthly payments and late charge wllich may fall dlle dllring this period.
Such payment must be made, either by cash, cashier's check, certified check or money order, and
made at, or sent to:' 8360 Old York Road, Elkins Park, PA 19117.1590.
If you do not cure the default within TffiRTY (30) DA Vs, we intend to e:re/'Cise 0111' rigllt io accelerate the
m0l1gage payments. This means that whatever is owing on the original amount borrowed will be
considt:red 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 THIRlY (30) DAYS, we also
intend to inSnllCt.ollr att017l1!)'s to.stm1 a lawslIit to foreclose YOllr mOl1gaged property. If tile mOl1gage is
foreclosed )'our mOl1gaged property will be sold by the Shrriff to pay off the mOl1gage debt. If we refer
your case to our attorneys, but you cure the default before they begin legal proceedings against 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 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 yoll cllre the defalllt within the thirty day period, )'Oil will not be required
to pay a"omey's fees. _
G~'A<rl;ie ~'l' F (lIIl) n t:;'dll b.'-!- 1.= '1
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We may also'sue you personally for the unpaid principal balance and all other sums due under the
. ;,m'ortgage. If you have not curcd the default,witJun the thirty day period and forcclosurc procecdings
have bellun, YOII sliII hm'e Ille liglll 10 e/ll'/! lire defallll alltl P''/!I'CIII Ihe saIl! al all)' lillle lip 10 aile
hOllr be/orr:.llre:Sheli!Ts forcc/osll/'/! sale. You /IIay do so by pa)'illg IIIe lourl 011/011111 of the unpaid
monllrly pm'II/cnls plus an>, laic or ollre/' clrargcs I/lcn elIIC, as wclI as Ilrc /'casonable O/lOI7I1:Y's fecs
and Cosls 'connecled willr lire fo/'ec/osu/'c; sale (and pClfoml any Ollrc/' /'cquiremcnls IIIIele/' IIII!
II/orlga1;e). It is estimated that the earliest date that such a Sheriffs sale could be held would be
approximately one-hundred and fifty (150) days from the date of this letter. A notice of the date
of the, Sheriffs sale will be sent to you before the sale. Of course, the amount'needed to cure the
default will increase the longer you Wllit. You may find out at any time exactly wlmt the required
payment will be by calling us at the following number: 215.881.1838. This payment must be in cash,
cashiers check, certified check or money order and made payable to us at the address previously stated.
You should realize, that a Sheriffs sale will end your ownership of the mortgag<:d,property and your
right to remain in it. If you continue to live in the property after the Sheriffs sale, a lawsuit could be
started to evict you.
. ' . ,. . .
You have additional rights to help protect your intcrest in the property. YOU HAVE THE RIGHT TO
SELL THE PROPERlY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT) OR TO ,
BORROW 1\IONEY FROM Ai'lOTHER LENDING INSITfUTION TO PAY OFF TInS DEBT. YOU
MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTI' SUBJECT TO THE MORT-
GAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE i\IORTGAGE'DEBT, PROVID.
ED THAT ALL THE OUTSTAi~DING PAYMENTS, CHARGES AJ'\'D ATTORNEY'S FEES AND
COSTS ARE PAID PRIOR TO OR AT THE SALE, (AND THAT THE OTIIER REQUIREMENTS
UNDER THE MORTGAGE ARE SATISFIED). CONTACT US TO DETERl\iIINE Ui''DER WHAT
CmCUMSTAJ'ICES THE RIGHT MIGHT EXIST. YOU I-IAVE THE RIGHT TO HAVE THIS
DEFAULT CURED BY ANY THIRD PARTI' ACTING ON YOUR BEHALF.
,'.
/[yolI cure lire defau/l, lire IIIo/'lgage will be /'cslorcd 10 the sall/e positioll as ifno defaultllOd occumd., ,
However, you are not entitled to this right to cure your default more than three times in any calendar'
, . :year. .. ,
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", .. .:'.. i . ::'.' . . " .:'DATE: ' DECEH.aeR .03,1993 ..' ,.' ,
..,.'.;,:.... <. ....:' .,.. :":.CERTIFJEDMAILNO.:.; P .34~..31o 870
I' ~ .'~~ " ,',\...., ~',-.~' . ': . . t. . ",. ..... . '.
, NOTICE OF INTENTION TO FORECLOSE AND ACCELERATE LOAN BALANCE
. . .
" ..1 . . _, .
RE: Mortgage Loan Number: 21-737012-1 '. "
Mortgaged Premises: ' 1,103 CLUaHOUSe DR
'. ' HECHAI/ICSaURG
.... : ,. PA 17055 ' '
,:,., . .' .
.'
. GREG ' : "(' ~t:DER$OH
TO. 41 03CLU6UOUS'E 'OR .
>lEC'IIAtUCSQURG P'Ii 17055
. .
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".
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"
This company is the holder of the FIRST r;I'ORTGAGE (AND NOTE) on the above premises, or is
the mortgage service agent for such holder. (Hereinafter refc;.rred to as we, us or ours). .
'.
.. '
As of the date of this notice, TIm MORTGAGE IS IN SERIOUS DEFAULT becallse YOII have not
made the mOlllhly'paymellls as.listed; and/or/or other reasons as indicateel below:- " . ..... _"
'. "' .. .
OC,TO:','?~~ thru OCT~"~?J.3 . ,'@ ,$~i,~l~':~~ $;' 1'~'~':~:;~.
LATElr6tfb1l9r~93 thr:u D~C02,1993 @@' $$ '1'~~00"93, $$. . 3;001';86
'. ' '.' 6'2.96 ' 62.96
LATE ~fi!..~,GE~ '.' '''1 . r.' ,@.$!, .~ :,i~ :0"00 $ '1:: .!... 0.00: :' '.: ' , .
01 . .,.. ,thru.,. r @..$ ',I': 0"00 $, .... a 00':. .'
LATE CHARGES.' .. -. @ $...,..:..... $": . ,.., . . ...
.. Ihru @ $:" 0.00 $' 0.00
LATE CHARGES . .@. $' , .0.00 $"" " : 0.;00
ADVANCES S 0.00
ACCRUED LATE CHARGES,. ' $ 62.96,
~~~s~t~PENSE' ',' ',' "~'.';'" .... ~., g:gg,.
.OTHER ( )
The total amollnt now reqllired to cllre this defalllt, or in other
words, get callghtllp in YO'II; payment as of the date of this leller, is $
'4"".
4,680.19
YOII may cllre this defallltwithin TIIIRlY (30) DAYS of the date of this leller, by paying to liS the abo~'e
amollnt, pllls ally.additional mOlllhly payments and late charge which may fall dlle dllring this period.
Such payment must lie. made either by cash, cashier's check, certified check or money order, and
made at, or sent to: 8360 Old York Road, Elkins Park, PA 19117-1590,
If you do not cure .the default within THIRlY (30) DAYS, we il/tel/d to exerc:ise 0111' rig/lito accelerate the
mOl1gage paymellls. 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 THIRlY (30) DAYS, we also
intmd to instntct 0111' al/omeys 10 stal1 a lawsllitto foreclose YOllr 1II0/tgaged property. If the mOl1gage is
foreclosed YOllr mOl1gaged property will be sold by the Sherif! to pay of! the mOrlgage debt. If we refer
your case to our attorneys, but you cure the default before they begin legal proceedings against 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 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)'OlI cllre the defalllt within the thirly day period, )'011 'will not be reqllired
to pay al/omey's fees.
Qlt~l"l.cre~'t, F (lVll
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We may also sue' you personally for the ,unpaid principal balance and all other slims due under thc
,,',', mortgage:'.IfYQu have.not c)Jre~,t~~dcfault:withm the thirty day period and foreclosure proceedings
have be!lun, YOII sliIl haw! tire riglll 10 CII,.e Ihe de/allll amI p,.el'ell/ IlIe sale al all)' lill/e lip 10 aile
hall,. beJore IlIe Shelijfs foreclosur.e sale. YOII 11I11)' do so by payillg IlIe lotal all/oulIl of tile IIllpllicl
IIIOII/IIIy plI)'nlell/s pIlls allY lale or oilier clw,.ges IlIell dlle, as \I'dl as IlIe reasollable atlol7ley's fees
alld cosls cOlI/lecled WilllO IlIe10reclosllre 'sale' (alld pelf arm allY OIlier reqllirell/ellts III/del' IlIe
1I/0I'lgaQe). It is estimated that the earliest datc thllt such a Sheriffs sale could be hcld would be
approximately one-hundrcd.and fifty (150) days from thc date of this leller. A notice of the datc
of thc.Sheriffs sale will be sent to you beforc the sale. Of course, the amount needed to cure the
defau.lt will increase the longer you wait. You may find out at any time exactly what the required
paymcnt will be by calling us at the following number: 215-881-1838. This payment must be in cash,
cashiers check, certified check or money order and made payable to us lit the address previously stated.
.I
You should realize, that a Sheriffs sale will end your ownership of the mortgaged property and your
.right to remain in it. If you continue to live in the property after the Sheriffs sale, a lawsuit could be
started to evict you. -
, ,..'..,.. ..
. . '. ....., " ,.,..
You haVe additiomil rights to help protect your interest in thc property. YOU HAVE THE RIGHT TO
SELL THE PROPERlY TO OBTAIN MONEY TO PAY OFF TIlE MORTGAGE DEBT~ OR TO
BORROW MONEY FROM ANOTHER LEl\'DING INSTITUTION TO PAY OFF THIS DEBT. YOU
MAY HAVE THE JUGHT TO SELL OR TRANSFER TIiE PROPERlY SUBJECT TO THE MORT-
GAGE TO A BUYER OR TRANSFEREE WHO,\\1LL ASSUME THE MORTGAGE'DEBT, PROVID-
ED THAT ALL THE OUTSfAl\'DING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND
COSfS ARE PAID PRIOR TO OR AT THE SALE, (AND TIU\T TIlE OTImR REQUIREMENTS
UNDER THE MORTGAGE ARE SATISFIED). CONTACT US TO DETERNnNE UNDER WHAT
CIRCUMSfANCES THE RIGHT MIGHT E~1Sf. YOU HAVE TIlE RIGHT TO HAVE THIS
, DEFAULT CURED BY MY THIRD PAR1Y ACTING ON YOUR BEHALF,
, ,
!fyolI cllre Ihe defallll, Ihe morlgage will be restored to tire sall/e POSilioll as if 110 defalllt had occllrred.
However, you are not entitled to this right to cure your default more than three times in any calendar
year. __ ,.._ " , '
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, "
".GMAC
Mortgage ,
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Mortgage
~H^"Lt~ b hlkltlUS
1862
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.. DATE:': . OEC EIISER 03,1.993 '. ....;.
. CERTIFIED MAIL NO,:",.:'r:P'J .' :: .....:. .
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RE: Mortgage.Loan Number:
Mortgaged Premises: .
..- '. -
~onI~ J AHOERSQU
TO: 4103 CLUBHOUSE OR'
MECHAnICSnURG PA 17055
.
NOTICE OF INTENTION TO FORECLOSE AND ACCELERATE LOAN BALANCE
," . I' .
21-737012;'1'''; '. '" .
4103 CLUBHOUSE DIl
. 'flECHAHICS.!liiIUr " '
PA 17055.
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This companv is the holder of the FIRST l\'IORTGAGE (AND NOTE) on the above premises, or is
the mortgage service agent for such holder. (Hereinafter referred to as we, us or ours).. " ".
;.:..,
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-'
'.
. As of the dare of Ihis Itolice, THE MORTGAGE IS IN SERIOUS DEFAULT becallse )'011 hal'e not .
made Ihe mOfllhly pO)'mefllS as lisled; and/or for olher reasons as indicaled pelol\l:'. . ;;':', :;:.' .:' :.... ,:.. .'
(lCr01,19Q3 Ihru Oc131,1993 @ 'i 1':4a9.~5 S . 1',489.1,5," . :r..;. ~" '1.'.
$ . 62.96 $ 62.96,.; . '.'
~ $ ,,500.9.3,.$. 3,~01.86'" , '::!.:"':I:
@ $ .62.9&, $' 62.96,.
@ S 0.00 S.O.OOI '
@ $ 0.00 $ 0.00.;
@ S 0.00 S 0:'00,
@ S O.CO S 0.00
S 0.00
$ 62.96,.
$ . 0.00' .' ,
S 0.00
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LATE CHARGES.
Ihru OEC02,1993
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LATE CHARGES
thru
"
LATE CHARGES
ADVANCES
ACCRUED LATE CHARGES
NSF FEES
LESS SUSPENSE .
.OTHER (
The 10101 amoll/It nOI\l reqllired 10 cllre Ihis defallll, or in olher
words, gel callgh, /(P in )'0/(1' paymem as of the dale of Ihis leller, is
'.
4,680.19
Yo/( may cllre this defallltlllithin THIRTY (30) DAYS of Ihe dare of this leller, by paying to liS the aba.'e
amOll/ll, pIllS alty additional mOfllhly pa)'l1l1:nls. and IDle charge II'hich may fall dlle dllring this period.
Such payment must be made either by cash, cashier's check, certified check or money order, and
made at, or sent to: 8360 Old York Road, Elkins Park, PA 19117-]590.
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If you do not cure the default within THIR1Y (30) DAYS, we imend to exercise ollr right to accelerate the
mortgage pO)'mems. This means that whatever is owing on the original amount borrowed will be
considered due immediately and you may Jose the chance to payoff the original mortgage in monthly
installments. If full payment of the amount of default is not made within THIRlY (30) DAYS, we also'
inlelld 10 illsf/ltct 0111' af/oml!)'s 10 slart a lawsllit to foreclose your mortgaged propelt)'o If the mortgage is
foreclosl!d )'0111' mOl1gaged property lI'ill be sold by tire Slretiff 10 po)' off Ihe mo/tgage debt. If we refer
your case 10 our attorneys, but you cure the default before they begin legal proceedings against you,
you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00.
'.
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'.
However, if legal proceedings are slarted against you, you will have to pay the reasonable attorney's fees
even if they are over S50.00. Any attorney's fees will be added 10 whatever you O\ve us, which may also
include our reasonable cosls. If )'011 CII/I! Ihe defallll Wilhill tire tlrll1)' day pe/iod, )'011 1I'i11 not be required
10 pay af/Ol7ley's fees.
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,We may also suc you personally. for the unpaid principal balance and all othcr sums due under the
Illortgage.'If you hilVe not cured th~.c;ic;fault witlun the thirty day period and foreclosure proceedings
have bc~n, )'OU SliIIlral'/! Il,e riglrl 10 cure lire defaull alld p,-c,'elll Il,e sale al allY lillle up 10 olle
Irour before Ilre:SllClifJ's10/'Cclosure~ale. Youlllay do so b)' pa)'illg Ille 10lal amoullt of lire ullpaid
/I/(I//II,ly lmYlllelllS plus allY lale or ollrer clrarges tlrell due, as ,,'ell as lire reasollable allon/ey's fees
alld COSIS cOllllecled wilh lire foreclosure sale (alld pelform allY ,ollrer requiremellls ullder the
mOl1sa~e). It is' estimated that the earlicst date th'at such a Sheriffs sale could be held would be
approximately onc-hundred and fifty (150) days from the date of this letter. A notice of the datc
of the Sheriffs sale will be sent to you before the sale. Of course, the alllount needed to cure the
dcfault will increase the longer you wait. You may find out at any time exactly what the required
paymcnt will bc by calling us at the following number: 215.881.1838. This payment mu~t be in cash, '
cashicrs check, certilicd check or money order and made payable to us at the addrcss previously stated.
You should realize thaI a Sheriffs sale will end your ownership of the mortgaged property and your
right to rcmain in it. If you continue to live in the properly after the Sheriffs sale, a lawsuit could be
started to cvict you.
You have additional rights to help protect your intercst in the property. YOU HAVE nm RIGHT TO
SELL THE PROPERlY TO OBTAIN MONEY TO PAY OFF TIlE MORTGAGE DEBT, OR TO
BORROW l\o10l\'EY FROM ANOTHER LENDING INSTITUTION TO PAY OFF nns DEBT. YOU
MAY HAVE THE RIGHT TO SELL OR TR<\NSFER THE PROPERlY SUBJECT TO THE MORT-
GAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUl\om THE MORTGAGE DEBT, PROVID,
ED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATIORNEY'S FEES AND
COSTS ARE PAID PRIOR TO OR AT THE SALE, (AND TIL<\T THE OTHER REQUIREMENTS
lii\DER THE MORTGAGE ARE SATISFIED). CONTACT US TO DETERMINE UNDER WHAT
CIRCU!\ISTANCES THE RIGHT MIGHT E}'1ST. YOU HAVE THE RIGHT TO HAVE nns
DEFAULT CURED BY ANY nnRD PARlY ACTING ON YOUR BEHALF.
If )'OU cure II,e defaull, lire mOl1gage \l'ill be reslored 10 lire sallie POSilioll as if 110 defaul/had occuiTed.
However, you are not entitled to this right to cure your default more than three times in an)' calendar
year. ' ,
GMAC
Mortgoge
"
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BY:
COLLEcr,lOl'l MAN,ACiI!R
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, Mortgage
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, ',.,' DATE: ! :DECEHBER 03,1993 .
. CERTIFIED MAIL NO.: .. : P " "
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, . NOTICE OF INTENTION TO FORECLOSE AND ACCELERATE LOAN BALANCE
", . ".
. RE: Mortl!age loan Number:' 21-731012-1
'Morigaged Premises: 410J CLUlJHOUSE DR
KtiCHAIIICSBURG
. ,. ~
TO' !{A'IIEII, , . D ANDERSON PA 17055
. 41'03 (LUeHO!JSE O'R' . ....
I1E~HANICSDURG 'P"C17DS5 "
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This company is the holder of the FIRST MORTqAGE (AND ,NOTE) on the above premises; or is ,'.
,the mortgage service agent for such holder. (Hereinafter refe.rred to as we, liS or ours). . ' .
As of tile date of this notice, THE MORTGAGE IS IN SERIOUS DEFAULT becallse YOII lIave not
maae tl,e m,olit/rly paymell/s as listed; andlor for otller reasons qs iI!dicated below:~ .' . ..' "
OCTOf;1993 OC131,1993 1 '89 ~5 ..., 1,4'39.45 :.'
thru @ $ " . $
., . . , , " ...'62.96.' '62.96
LATE ~0lM9r~93 @ $ , $ . 3;001~66 , ..
, thru ~H02,199,5 @ $ 1,500.93 $
,.... . .62.96 s' . 62.96
LATE CHARGES. @ $ ,";."
:. ,".. thru' @ $ '0.00 $ 0"00
.. "" It. 'O~OO
LATE CHARGES @ $ 0..00 $ .
thru @ $ O~OOS":' 0.00'
LATE CHARGES @ $ . 0.00 $ " 0.00
ADVANCES S 0.00
ACCRUED LATE CHARGES $.. . , ,,62.96
NSF FEES ';l.'; ',' S 0.00
LESS SUSPENSE S 0.00
.OTHER ( )
Tile total amollnt now reqllired to cllre tllis defalllt, or in otller 4,680.19
woras, get callgllt lip in' YOllipayment as of tile date of tllis leller, is $
YOII may cllre this defalllt witlrin TffiRTY (30) DAYS of tire date of this leller, by paying to liS tire abo~'e
amollnt, pillS any additional montllly paY/IIell/s and late c1,mge wllicll may fall dlle dllring tllis period.
Such payment must be made either by cash, cashier's check, certified check or money order, and
made at, or sent to: 8360 Old York Road, Elkins Park, PA 19117-1590,
If you do not cure the default within THInlY (30) DAYS. we iII/end to exercise aliI' riglllto accelerate tile
mongage 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 THIRlY (30) DAYS. we also
intend to ins/nlct aliI' atlomeys to stan a lawsllit to foreclose YOllr mongaged property. If tire mongage is
foreclosed YOllr mongaged property will be sold by tire Slreliff to pay off tire man gage debt. If we refer
your case to our attorneys, but you cure the default before they begin legal proceedings against 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 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 yoll cllre tire defalllt witlrill tire tlriny day period, yoll lvill not be reqllired
to pay attomey's fees.
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We may also sue'you personally for the unpaid principal balance and all other sums due undpr the
mortgage. If you have.not cured the default within the thirty day period and forcclosure procec!Uings
have begun, )'ou sliIllrm'e Ille liglrl 10 cw'e lire elt!falllt al/(l prt!I'e/ll Ille sale al allY lill/e lip 10 olle
flollr before. lire SlrelifJ's. forecloslI/'I! sale. YOII II/Il)'do so by payillg lire lolal all/olllll of lire IIl1paid
II/Ollllrly p(1)~lI/ellls pIllS allY late or ollrer clrmr]es Ilrell ellie, (/S well (IS lire reasollable allomey's fees
alld cosls COlI/leCled willr lire fOi'eclosure sale (uncI pe/fol7/1 011)' ollwl' /"(!quire//le/lls IImlel' lire
//lOrlga!;e). It is estimated that the 'earliest date that such a Sherifrs sale could be held would be
approXimately one-hundred and fifty (150) days from the date of this lelter. A notice of the date
of the. Sheriffs sale wiII be sent to you before the sale. Of course, the amount nccded to cure the
default wiII increase the longer you wait. You may find out at any time exactly what the required
payment wiII be by calling us at the following number: 215-881-1838. This payment must be in cash;'
cashiers check, certified check or money order and made payable to us at the address previously stated.
You should realize, that a Sheriffs sale wili end your ownership of the mortgaged property and your,
right to remain in it. If you continue to live in the property after the Sheriffs sale, a lawsuit could be
started t? evict you. -
. . ,.
You have additional rights to help protect"your intcrcst in the property. YOU HAVE THE RIGHT TO
SELL THE PROPERlY 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 PROPERlY SUDJECT TO THE MORT-
GAGE TO A BUYER OR TRANSFEREE; WHO WILL ASSUi\IE THE MORTGAGE'DEBT, PROVID-
ED THAT ALL THE OUTSfANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES M'D
COSfS ARE PAIQ PRIOR TO OR AT THE SALE, (AND THAT THE OTHER REQUIREMENTS
UNDER THE MORTGAGE ARE SATISFIED). CONTACT US TO DETERi\lINE UNDER WHAT
CIRCUMSfANCES THE RIGHT MIGlff E}"1Sf. YOU HAVE THE RIGHT TO HAVE'THIS
DEFAULT CURED BY M'Y THIRD PARlY ACONG ON YOUR BEHALF.
If you cllre lire defalllt, lire //lOrlgage will be reslored 10 lire sall/e POSilioll as ifllo defaidtlrad occwred.
However, you are not entitled to this right to cure your default more than three times in any calendar '
'year. ' :',.. .._.. ' ' '
;. .
GMAC',.
Mortgage
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BY:
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COLLIlCTION MANAGIlR
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FEDERAL HOME LOAN MORTGAGE
CORPORATION
Plaintiff,
I
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
civil Action--Mortgage Foreclosure
vs. I No. 1141 Civil 1994
GREG L. ANDERSON, KAREN D. ANDERSON, I
DORIS J. ANDERSON, individually and as heir of
BLAKE E. ANDERSON, JR. and
THE UNITED STATES OF AMERICA
Defendants.
.unDAVI'f "" .Dn~
1. We, GOING & PLANK, are the attorneys for Plaintiff in the above-
captioned action.
2. In accordance with applicable Pennsylvania and Federal laws, rules,
and regulations , we caused a "Notice of Sale of Property Subject to Federa::'
Tax Lien" to be mailed and served on June 22, 1994 by certified mail, return
receipt requested, restricted delivery, and addressed to District Director,
Internal Revenue Service, Philadelphia, Pennsylvania 19106, ATTENTION:
Chief, Special Procedures Section. A true and correct copy of said Notice is
attached hereto as "EXHIBIT A" and incorporated herein by reference.
3. The sender's receipt for said Notice is attached hereto as "EXHIBIT
B" and incorporated herein by reference.
4. Said Notice was received by said District Director, or his
authorized agent, on June 27, 1994, as evidenced on the executed return
receipt card attached hereto as "EXHIBIT C" and incorporated herein by
reference.
We verify that the statements made in this Affidavit are true and
correct to the best of our knowledge, information, or belief. We understand
that false statements herein are made subject to the penalties of 18 Pa.C.S.
~ 4904 relating to unsworn falsification to authorities.
Dated: August 15, 1994
By:
J. Harris
Attorne s for Plaintiff
140 East King Street
Lancaster, PA 17602
(717) 392-4131
Jl1011CE or IALE or 1'IlOnKJ'Y JlJBJF,Cl'TO noDAL TAX I..IEN
TO: District Director
Internal Revenue Service
600 Arch Street
Philadelphia, PA 19106
ATTENTION: Chief, Special Procedures Section
FROM: Bradford J. Harris, Esquire
Going & Plank
140 East King Street
Lancaster, PA 17602
(717) 392-4131
DATE: June 20, 1994
RE: FEDERAL HOME LOAN MORTGAGE CORPORATION
GREG L. ANDERSON, KAREN D. ANDERSON, DORIS J. ANDERSON, individuaIly
and as heir of BLAKE E. ANDERSON, JR. and THE UNITED STATES OF AMERICA
No. 1141 Civil 1994
(Mortgage Foreclosure Action)
1. GOING & PLANK, 140 East King Street, Lancaster, Pennsylvania 17602, who
represents the execution creditor, Federal Home Loan Mortgage Corporation, in the above-
captioned action, gives this Notice to the District Director in accordance with applicable
federal laws and regulations relating to discharge of federal tax liens.
2. A copy of the Notice of Federal Tax Lien (Form 668) is auached hereto as
"Exhibit A" and incorporated herein by reference. The Notice indicates the foIlowing:
A. The Internal Revenue District involved is Philadelphia, Pennsylvania.
B. The taxpayer's names are Greg L. and Karen D. Anderson, and their resi-
dence is 4103 Clubhouse Drive, Mechanicsburg, PA 17055-7622.
C. The Notice was prepared and signed at Philadelphia, Pennsylvania on or
about September 21, 1992 and was filed in the Prothonotary Office,
Cumberland County Courthouse, Carlisle, Pennsylvania, on or about
September 24, 1992 to Docket No. 6586 FTL-92.
3. A copy of the Notice of Federal Tax Lien (Form 668) is aU ached hereto as
"Exhibit B" and incorporated herein by reference. The Notice indicates the foIlowing:
-1-
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A. The Internal Revenue District involved is Philadelphia, Pennsylvania.
B. The taxpayer's names are Grcg L. and Karen D. Anderson, and their resi-
dence is 4103 Clubhouse Drive, Mechanicsburg, PA 17055-7622.
C. The Notice was prepared and signed at Philadelphia, Pennsylvania on or
about December 20, 1993 and was filed in the Prothonotary Office,
Cumberland County Courthouse, Carlisle, Pennsylvania, on or about
December 30, 1993 to Docket No. 7003-FTL-93.
4. The information relevant to the execution sale to take
place is as follows:
A. The property to be sold is located at 4103 Clubhouse Drive,
Mechanicsburg, PA 17055. A copy of the legal description for said property
is attached hereto as "Exhibit C' and incorporated herein by reference. A
title abstract regarding said property is attached hereto for your information
as "Exhibit 0" and incorporated herein by reference.
""
B. The proposed sale of said property is to take place at 10:00 a.m. E.S.T. on
September 7, 1994, in the Commissioners Office, Cumberland County
Courthouse, Carlisle, Pennsylvania. The terms of the proposed sale are
contained in "Exhibit E" attached hereto and incorporated by reference.
4. The approximate amount of the principal obligation, including attorneys fees and
interest through the sale on September 7, 1994, secured by the mortgage lien sought to be
enforced is One Hundred Sixty-Eight Thousand Eight Hundred Ninety-Seven and 641100
dollars ($168,897.64). A description of other expenses that may be charged against the sale
proceeds, the exact amounts of which are unknown at this time, are as follows:
A. Prothonotary judgment costs.
B. Prothonotary execution costs.
C. Prothonotary satisfaction costs.
D. Printer expenses.
E. Deed recording fees.
F. Sheriff fees and costs.
G. Postage (for mailing Notice, Handbill, ctc.).
-2-
H. Sheriff commission (two percent on the first $250,000 and one-half
percent on the balance).
I. Sheriff title search (if any).
If you have any questions regarding this Notice, please immediately contact Bradford
J. Harris (or our foreclosure paralegal, Theresa Rinehimer, in his absence) at our abovc
addrcss and phone number.
'..
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~,"!.; "G' 'i;<i!'(-v')"!J}; .~3l..I':.:"'I;)I"i':''''::'',, .:~.~Rparl\mCnl oHho.Trebsury -Internal ReVonuo Sorvlce . .. : .( ':~(j'h,:~~!~;c;l\~
n!.!,:il'r~i;I'.T'f~;:;~.f,:z.;~'f~"r/r; . . "!:';~I""~ .. 't.: ..' .... i .\ .:. . ';:).~~I~J:~)I,;)!
~~~f<::~~)~~(;:~Ji~T.N9.tIc.t9.~ ,Fede~r~;f;ax !Jen 'Under hlternal Revenue Laws :.... ::I~~J'i~jl
sltlct:.:li;;.;;)).:;",:,:";'~iA:07:;,:.~;: .t.>:.. serial Number For 0 /Ion.' u.o b Rocordln Otnoo (')"'\!;!.H
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,~:phj9.I~~,~.~:y. ~;9~~lto~, .\1321','6322, and6323 ~tth" tntornal Revonuo Codo, . O. '.') \\I'\~
.o.Y~~:'oIS ,9.ly.~n, .tlll1J .I,II.XOS "(I!,,cludlng Into(p.st and pcnalt1os) havo been () l. ,'. \
:3'~qS~'~~.~~~!Q~ll~~'tO.I!.0~lng'namqd taxpayer: DOllland for payment ofthls '~, I ~lV _ _.,..,;: l !
~l]I\lt,y' n~J.! p,~)i.n)~\ld,p.,'.but Jt rCl1lahll unpaId. Therefore, thoro Is a lion In lJ - '. ~\.
~'I.or,~I)!'~..~!I.\te.~ ~la,lq, 01'\ 1I11 proporly cnd rights to property belongIng to "
'l\~/l-~:~J(r.~y6rfor:. !~f'Jmqunt. of these tllxes, alltl additional pOl'lollles, (), !..
.~o$~:.a~~ ?9stS:J~~\mQY \lccrue. .______ c.<'l ....:. .:;
~!,,!o <?t~T~pa.yer'. ~r~I!:G L. e. 1~1\t:\l:.N l~ N'lIlt::1'<~,ON ~1:il tU . .~:.
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MAR Ie '94 9:e3
, IlJ-W-l994 1lJ154PM FRD1
TO
PRGE.003
GAC-PITT P.04
... ~8 (Y) 139 Departmenl of tile T'ea~ ry . Inle"",1 ~v.nue Sel'flce
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...,_1.1) Notice of Federal Tax Lien Under Internal Revenue laWS.
.1Iic1 . S.tIaI Nwnblf "" c.w-...~ ~
Philadelphia, PA 2~93 0129 No. -'003 '..
, prvv1decl br ......... 1n1, 8322, and 8323 01 !h.lnle_l leVel\Ue COde, :
JUlie .. 'ilMm 1tw\ .... (lnaludlng In..reat and penllU IS) nevt been
JtIIl-d~IhlI~~,DemMd~enIOlthb P~.I~
lbtl1\y ... been tI'lICIt, 11II1 " I'IIM1na unpPI.~"'l'tlore. Is a IItn In
:vor 01 the UnIted 8..,.. on all pIG'*" and rtghta to pl'0 IIalOIllIIna to
II. Wpaytr tor the itmount of tIIest ltllN, and additional penaltlet,
I....t. and 0MtI thIllllay _NIl. I t"t2 =
...
.ma 0.1 TIllPIY'f GREG, l. &' KAREN' D ANDERSON i " ...
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.Idtnce 4103 Cl.UB HOUsE DR ';- . l',) I
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l'IECHAN1CSBURG, PA 17055-7622 .' ~~.. .... ....
Ynf)~ co
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IM~RTANT RElEASE ItlFORlMTION: WIth ...spoc:IlO tach a ~...m.nllillod z'" :ao
..,. cD
below, un~ nolklI 01 lien .II rvlIlecl by tht 12.10 given In c:olum (e), this nallG11 .....
.....
shall. on lI1e dItt follOWln; luoh d'II, oper." as a clr\Jncal. 01 Illleue ., denntd
In IRe eaa6(t). .
Tilt PariOd . Dat. I Laat D'y lor Unpaid IIaIIIICe .
(11Id (:J Till EndId .. Id.ntI~l~ ~~~~' AueMlftenl R~~"nll of "-_ant
";bj (dJ1 e) -m
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1040 12/3119~ 19.4-4Z-S249' . '5,1:l4/Y3 0612.311)3 15979.16
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pl"o'tfionotary , ;
. Cumbtl"land County Tatal S 5979; 1~ .
Carllll'.' PA 17013 .
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I'M 8'94 lSIS4
MAR-10-1994 09110
"E. I.h. f )3 ·
ALL THAT CERTAIN lot of land and real estate, being Lot 16 shown on that certain Prelimi-
narylFinal Subdivision Plan for Golfview referred to in the within instrument, in Hampden Township.
Cumberland County, Pennsylvania, more particularly bounded and described in accordance with said
PreliminarylFinal subdivision Plan as foIlows:
BEGINNING at a point on the easterly edge and right-of-way line of Clubhouse Drive, which
beginning point is on the westerly end of the common boundary line between Lot 16 herein described
and Lot 15 of Golfview situate to the south thereof; thence along the easterly edge of Clubhouse Drive
along a curve to the right an arc distance of 11.83 feet to a point; thence along the easterly edge of
Clubhouse Drive, North 25 degrees, 09 minutes, 50 seconds West, a distance of 70.56 feet to a point;
thence along a curve to the right, an arc distance of 29.71 feet to a point; thence along the southerly
edge of Clubhouse Drive North 59 degrees, 56 minutes, 15 seconds East, 120.04 feet to a point; thence
along the common boundary line between Lot 16 herein described and Lot 18 of Golfview, South 29
degrees, 20 minutes, 38 seconds East, a distance of 100.01 feet to a point thence along the common
boundary line between Lot 16 herein described and Lot 15 of Golfview, South 59 degrees, 56 minutes,
15 seconds West, a distance of 142.28 feet to a point on the eastern side of Clubhouse Drive, the poCtit
of BEGINNING.
BEING THE SAME PREMISES which S & A Custom Built Homes, Inc. a Pennsylvania Corporation,
by deed dated February 22, 1990 and recorded March 2, 1990 in the Recorder of Deeds Office in and
for Cumberland County, Pennsylvania in Deed Book L-34, Page 35, granted and conveyed unto Greg
L. Anderson and Karen D. Anderson, his wife and Blake E. Anderson, Jr. and Doris J. Anderson, his
wife, Joint Tenants with the Right of Survivorship as Between the Married Parties.
Tax Map No. 18-1314-114
Seized in execution under Judgment No. 1141 Civil 1994 in the Court of Common Pleas of
Cumberland County, Pennsylvania and sold as the property of GREG L. ANDERSON, KAREN D.
ANDERSON, DORIS J. ANDERSON, individuaIly and liS heir of BLAKE E. ANDERSON, JR.
"61..~.I-C '
Polley No.
coNEsrffiA: TITLE
INSURANCE CQ
1DWtIlCSSTwlNCASTB\,., ,-
'..00.732-3555 ., LancI... 717.nl.4805 fAX: 717.2.......
(fj
Title No. 1002
Binder Typed: March 9, 1994
Bradford J. Harris, Esq.
140 East King Street
Lancaster, PA 17602
Applicant:
BINDER
Tho Company hereby agree. 10 insuro lille 10 tho premise. described In Schedule A, subJeello the obJeelloDl
sel forth In Schedute D.
The Company will iuuo its current ALTA Owner'. and Lender'. Policies to the grantee, and morlgageo,lfany,
shown below, in the amounts .lated, upon salilfaelion of the eondltionl.et forth in Schedule C.
~"
Interests to be Insured:
DEED: Sheriff of Cumberland County TO
GMAC Mortgage Corporation oC PA
ArnountoCInsurnnee
$142,000.00
Premises:
4103 Clubhouse Drive, Mechansburg, PA. Hampden Township, Cumberland County,
PA
Certified thru: 3 01 94
Month DIY Vesr
UuI'I, I/luU.IA-
Aulhorizccl omeef or Agcnl
Robert F. Musser, Esq.
VaUd Only When Countenlgned
CONESTOGA TITLE INSURANCE CO.
DY:
.....-
Sam Ferguson Musser
A1TEST:
.......IY Carl R, Hallgren
IMPORTANT NOTICES TO PURCHASER
.
"
1. To avoid delaYI in eloling, Schedule C Ihould be examined carefully Ind complied with fully.
2. A copy of this Binder Ihauld be delivered to the leller, his Realtor, or hil Allomey who may contact the Company rcgarding
the requirements he mUll comply wilh, as Ihown in Sclll~dule C.
3. Some of the item. on Scheduh,s nand C may be of a technical, legal nature which, if not rcmoved, may alTect future
marketabilily oUme 10 the properly. Since the CampanY'1 reprelentatives may nol give legal advice or "'Present the legal
inlcl'CIlI of any of the Plrties, you may wilh to consul. your anomey.
4. Receipt of thil Binder indieales lhalthe tille company il n:ady to proceed with lelllement at a lime 10 be amnged by your
.llamey or realtor.
S. Thil Binder iI preliminary to the illuanee of lhe policy or policies of tille inluranee. All liability and obligationl hereunder
lhall ccue and lerminale lix monlhl aner lhe effeelive dale hereof or when lueh policy or polieiellhall illue, whichever
rlflt oeeura. Some mlllen relating 10 the properly 10 be inlured are nol wilhin the leope of tille inluraneo and, therefore,
will not be covered by your policy. Thele mailers include, among other Ihingl, zoning, building, lubdivilion, wetlandl and
othercnvironmental prolection rcgulationl and other exereisel of governmental police powen. Vou may wish to eonlull your
aUOmey or the loeat townlhip omeiall regarding thele mallen.
6. To avoid delay in dislributionl made by the Comp.ny, ealh, or certified 1lC4lurer's or ealhier'l checks mUlt be depoliled.
W An Affiliate of Conestoga Financial Corporation
o Conestoga Title Insurance Co. 1992
, It;; Y /1.- 6. I ).J "
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ALL THA:l' OERTAIN 101 oflnllcl all" r~al ulal~, belllB LeIla "'OIUII Olll!tlll Wlnl"
'~tl/'lI/l1nrY'Fi"a' S~htlM"oll PIn" (nr O,'/M~/U rc(crn:cf 10 1II/lIc 1IIl1',/n 1IIIIrl/IIIMI,"l
1 RIII/II'cl! 1'flI01l4M/I. Cllmbqr/nr:a COl/III,Y, P~II"!.\"oall/a.IIIC"~ }on/'IIr.lllarl,'" IlOl/lh(el' and
I c~rrll~iJ ,,\ n"ur.I~IIU with ,nlli Prelilll/na,::.""',,"' SI,61/M~I,,"l'lUIl nA ("/luWAI
hEOl11111NC at l\ point Ol\ tho cn,taoly 11\'0 Dnd dsM-af-IIoy Hne (If 0111hho1l0.
IIdYcI which ~e.innln3 point 18 011 tho wuterty clld o( the eOI~"OIl Iloolldary
11110 betllnclI Lot 16 hQI'eln dcserl\:clI 011,1 Lnt \$ 01 lioU"h'l ,1tu\1h ~n thn
,"uth thoroo( I thtllCe alung the luterly IdS'! of C111~houre U.\'!yO n101l1 Q
ellCY8 to tile riaht IIn Clre dhtDllce of 1I.8J fut tn II vollltl thenc~ nl(lll~
tho enlterl)' eelse of 01u!>houIt Dd:.'e I lI~rth 2S dc~r..;, 09 ~lllutC$, !.U
~ocollda licit, 3 olhtanee of 70.~G feet to . polllt; thellce Cllt'"11' n ~'lrYn In
~hu rl.ht. ell Clre dlltQIIC8 uf 29.7L feot to a pO!lItl thellce nlulI~ thn
~ollthcrl)' flIt.. 01 clubllcuct Dd". llo,'~h ~9 "caceco I SG ..{nuleo I \r. ueo"d~
Eaet, \2\1.04 foce to 1\- point I thene8 dong the'Co",..on boundClty 11ne botllftcn
.loOt 16 htn~nd"arlbld. and Lot. la of .Oollviell, Suuth 29 de*,.tn, 2Q
11l1nutCl, 38' Hecn.!a Eoe t, :\ dh tallce of 100 ,Ill fu t to a p~I.llt t theile, nluII4
t.h. e'~JUII bound~ry Uno llQtloleo:l I,ut 16 herein duccrll'ed end lo\lt 1~ ue
Ilnll'/lollt,South ;9 ~earoclJ, S6 tnllll.ltu,.lS Gecond,'lInRt. Q Ill.e~ollr.~ oE
1~2,U' teot to" ve!nt" Oil tho e:\Stern vlde Ilf 01\1~"0\ljt D~l"c. th~ I.ulllt Ilf
MOI/l1llllU. . - . '.
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BEING THE SAME PREMISES WHICH S & A Custom Built Homes,
Inc., a Pennsylvania Corporation, by. deed dated February
:{,.. .', .,:' 22, 1990llnd recorded March.,2, 1990 'in .the Cumberland... :." .
~S,L~\:> :.', ;:.~;>.'.:.~:(~~~~tt:i:d,,~e,~~~.q:F~~:t:2fd:~..~cn.' et::6.}~r::.Oge~dL::,~~.~kd: .e.:..r~-s.:.0~n!i':;.;a::t~.~.eht:~.5e. 3.i:p:~'i.i ~'.f' .... :-;::."
.,...:.:...:. ..~.,:....".. ....',.,. .....J;'an e .':anu;;.cvnveyc.u :.\> e . '.'fill :,' "~.,,... "..: ""';., ...... .:':.
. ,;..',. ~" \. ':';..:A:...!:.;.:: :,;~:..~':;>:.....' 'Vi';' "'i;' "'."""," '.. '-:',,:~ '~f" ",. .;.f..' ...'.d.. :':'B'l' 'a'j;,.;-. 'e" '...'.'A.:n' '''e''. r" "s"o' 'n':'; .; ;'.<r~'.'.l';ft'.Jf,!;:: ,";'0' "J:' "i's"~:' ":"'.; "':. .,":..
:,:~::":"":~.::";' ::'" t',", ":'''~...':''t"<\,''l\n,,,\,=.r.~QI)';.::.aJJ.S~';,.,1 '="','.:":"~n .:', . f'o\OO~'- :.... ..0... . '''::''U ~....' .g,u.~~.'~. ".. .... :..;~f.. ....:::. "::~ ;.>
%,' ,<".:.,::' ;.::.:,:'t..::!....:J.~ "Ahdets'o'rG '~h'[:B' wffe'i': J61ht''''rena:i1t::if'w.i,t1i: 'the ,Right. of':". -:.:...' '.,.:.:....
~:::""'" . .' survivC?'r5"ip"a5:)e't\.feen...th~,'l-la,rried Parties..' . '.,:".:,..:
~i;;,:;,.: ~,',::,,"', ..:.~~ :'..;'~',~:~,~::~: . .::;: . :;~::;:~,ii'::.?:..:. ',::..:~.',::, ;,;;,::::i ~.:;:..:.::.;;:..,'{~~.'~;.::::~~.:::.:.:.: : .,.. ;:.'::. ;j:.~'..;:'.::;;~;~:~' ;::::'::;~~;~~.~,~'~;.~i~~ ~;,~:~: ~;~:;~;:,:..:
i;'!:~,~ :::'t;~~)':~:;:h fL' ;~'~'.;~:::::... ~r,;f~:''!i\;::!i':::,,::....:~~:'~~'1~':!::J.'.;;!r-;'r'f:,:,';!1:-:'l :::':::~'~~'$.~~)~..:~":,.{:{ ;~(i...\!.:;;~' ~'i:..::;h~~:;~~~:r:t~""~~;~'::'~/:':!;:: t. ':.~:.r;..:fi~:tJ~'~.t~k:'f~~\'t'i.:: f.' ~t.:(:::,:':
;~t;.,::\ '..:1..... "..... 1'::.:. ~...::~:;.~. .....': . :'::( ":'..."~:;'o;::,~~~~ :('~'I::.....:.:~.~~::~.~.::~~~.~,:~;~:.":. ..::.:..... !.:-~;.. ..~..::: ~:'~.., .":". ",~:.""::'''' ..: ..::.....~~. ~:.:~.... .~::~:.. ;.;,,1. ':.: ... ....:,;. " :
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Title No. 1002
SCHEDULE "8"
Tbe Collowlng Items willllppear lIS exteptions undcr Sthedule "B" or Title Polity or Tille Policies to be issued,
unless cleared to the 5IIlbrllctlon or the Company.
I
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t. Mauers shown under schedule 'C' or Ihis Binder and not removed or eliminated at or prior 10 seulement.
J 2. Set-back lines, conditions, and casemenls as shown on Suh-divlsion Plan Book SS, Page 68 and Misc. Book 36S, Page
I 728.
J.~"'\o".
1: A~Righls granted to Hampden Township Sewer Authority as set rorlh In Miscellaneous Book 348, Page 1019.
J4. Righls granted to PCMsylvania American Water Co. as sel rorlh in Miscellaneous Book 348, Page 1019.
,/S. Righls granted 10 PP&L and Bell Telephone Co. or PA as set rorth In Misc. Book 3S0, Page 430.
'~
o Conestoga Title Insurance Co. 1992
~'I
,
Title No. 1002
SCHEDULE "C"
Conditions and requirements: Liens to be satlsficd or rc1easedj other objections to be removed at
or prior to settlement, by the buyer, seller or their representaJives.
t. LIens and defects intervening between the date hereof and Ihe time of recording of Instruments creating interests to
be insured.
2. Tenns and conditions of any unrecorded agreements or leases and tenancy of prescnt occupants.
3. Any variation in location and dimensions, conniets in boundary lines. encroachments, overlaps, casements not ofrccord
and any other objeclions which a survey made in accordance with "Minimum Standard Delail Requirements for Land
Title Surveya as adopted by American Land Title Association and American Congress on Surveying and Mapping"
would disctosc.
4. LIability for claims for work done or material furnished for which a lien mighl be filed.
5. Payment of alllaxes, charges, and assessments levied and/or lISSesSed against the subject premises, which are due and ~
..
payable.
6. Proof that:
a. All parties to the transaelion are of full age and legally competent.
b. Payment of purchaso price and/or mortgage money hIlS been made.
c. Payment of Scheduled Premium hIlS been made.
7. Proper execulion, delivery and recording of documents evidencing interests to be insured.
8. Photo identification will be required at settlemenl.
9. Proof that this transaction is not within the Bankruptcy or Insolvency Acl.
10. NOTICE: 1993 Real Eslate AtllIS shows property assessed lIS: Tax Map No. 18-1314-114 Total Assessment $18,590.
\I Spring Tax for 1994 and School Tax for t993.94.
12. NOTICE: Proceclures for proposed Sherifrs Sale to be produced for review by the company and any additionsl
objections by reason thereof to be certified.
,;:413.
j t4.
MORTGAGE: $t45,OOO.OO - Greg L. and Karen D. Anderson and Blake E., jr. and Doris J. Aoderson 10 GMAC
Mortgage Corporation ofPA daled 2123/t990 and recorded 3/0211990 in Book 968, Page 272. ASSIGNED to Fecleral
Home Loan Mortgage Corporation 5/2411993 in Book 44, Page IOt8.
MORTGAGE: $38,210.40 - Greg L. and Karen D. Anderson to Dauphin Deposit Bank & Trust Company (2t3
Market Street, Harrisburg, PA t7 t05) dated 5123/1990 and recorded 61111990 in Book 979. Page t26.
JUDGMENT: $t 1,981.06 - Hamilton Bank (1097 Commercial Avenue, ElISt Petersburg, PA 17520) vs Greg L. And
Karen D. Anderson filed t2n411991to No. 3976.CIV-91.
..J
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,J 18.
FEDERAL TAX LIEN: $t9,OS2.7S - tRS vs Greg L. and Karen D. Anderson filed 9n4/t99210 No. 6586 FTL-92.
JUDGMENT: $t,380.34 - Bureau of Compliance vs Greg L. and Karen D. Anderson filed 12/9/1993 to No. 3894-
CIV.93. (Bureau of CaI1pliance,Depl:." 280946,Harrisburg,PA)
FEDERAL TAX LIEN: $S,879.t6 - tRS vs Greg L. and Karen D. Anderson filed 12/30/t993to No. 7003-FTL-93.
CI Conestoga Title Insurance Co. 1992
'.,
......... ....."
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~\-q, ot Qtunrbt'~
t,o f ~Q
RONNY R. ANDERSON
Chief Deputy
R. THOMAS KLINE
Sheriff
HORACE A. JOHNSON
Solicitor
AUDREY G. ADAMS
Reel Estete Deputy
OFFICE OF THE SHERIFF
Court House
Carlisle, Pennsylvania 17013
TEAMS
As soon as the property Is
knocked down to a purchaser,
10% of the purchase price or
all cost, whichever may be
higher, shall be delivered to the
Sherllf. II the 10% payment Is
not mede as requested, the
Sherllf will direct the auctioneer
to rosellthe property.
The balance due shall be
paid to the Sherllf by NOT
LATER 11iAN Friday, June 10,
1994 at 4:00 P.M., Prevailing
TIme, otherwise all money pre-
viously paid will be forfelled
and the property will be resold
on June 29, 1994 at 10:00 A.M.
Prevailing Tlme In the Cumber.
land COunty Sherllf's Office
Court House, Carlisle, PA.
lot,.,
REAL ESTATE SAW
FOR TIlE YEAR OF t994
s.Je Oooe
NllITlJoOa
5<pcmI<r " '994
~'.I994
MumS, 199'
I," 15. 1994
5<pcmI<r \'. 1994
~1','994
"E.;', JJ,.t E"
6- P A5'1 5bb b2'1
A; ~:~1t~'~:1I
~ No Insurance Coverage ProvIded
MI'/lrA'llll Do not use for IntemaUonal Mall
(See Rfl\I8ras)
~:trict Director,IRS
~~ch St. Philadelphia, PI
'i'9~~cref Special Proce Ul
- $
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION--MORTGAGE FORECLOSURE
FEDERAL HOME LOAN MORTGAGE
CORPORATION
Plaintiff,
vs,
GREG L. ANDERSON, KAREN D. ANDERSON,
DORIS J. ANDERSON, individually and ns hcir of
BLAKE E. ANDERSON, JR. and
THE UNITED STATES OF AMERICA
No,
I ( 1;-f
C-L.(}.lA- Ir'i4-
COMPLAINT
NOTICE
You havc bcen sued in court. If you wish to dcfcnd against thc claims sct forth in the following pages,
you must take action within twcnty (20) days after this complaint and notice are served upon you, by entering
a written appearance personally (or by attorncy) and by filing in writing with the court your defenses or
objections to the claims set forth against you. You arc warncd that if you fail to do so, the cnse may proceed
without you and a judgment may bc cntcrcd against you by thc court, without furthcr noticc, for any moncy
c1aimcd in thc complaint or for any othcr claim or rclicf requestcd by thc plaintiff. You may lose moncy or
propcrty or other rights important to you.
YOU SHOULD TAKE THIS 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 WHERE YOU CAN GET LEGAL HELP.
Court Administrator
Cumbcrland County Courthousc
4th Floor
Carlislc. PA 17013-3387
(717) 240-6200
NOTICIA
Le han demandado a ustcd en la cortc. Si ustcd quicrc dcfenderse dc estns dcmandns expuestns en las
paginns siguientes, ustcd ticne vicnte (20) dins dc plazo al partir dc la fccha de la demanda y la notificacion.
Ustcd debe presentar una aparicncia cscrita 0 cn pcrsona 0 por abogado y archivar cn la cortc en fonna cscrita
sus dcfcnsas 0 sus objcctioncs a Ins dcmandas cn contra dc su pcrsona. Sca avisado quc si usted no se defiendc,
la cortc tomara medidns y pucdc cntrar una ordcn contra ustcd sin previo aviso 0 notificacion y por cualquier
qucja 0 alivio que es pcdido en.la pcticion dc dcmanda. Ustcd pucde perdcr dincro 0 sus propiedades 0 otros
dercchos importantes para ustcd.
LLEVE ESTA DEMANDA A UN ABODAGO IMMEDlATAMENTE. SI NO TIENE ABOGADO 0
-1-
. .
. '.
. . I .
SI NO T1ENE EL D1NERO SUFICIENTE DE PAGAR TAL SERVICIO. VAYA EN PERSONA 0 LLAME
POR TELEFONO A LA OFICINA CUYA D1RECCION SE ENCUENTRA ESCRITA ABAJO PARA
AVERlGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL.
Court Administrator
Cumberland County Courthouse
4th Floor
Carlisle. PA 17013-3387
(717) 240-6200
COMPLAINT
AND NOW. comes Plaintiff, by and through its attorneys. GOING & PLANK, and complains
in mortgage foreclosure against Defendants GREG L. ANDERSON. KAREN D. ANDERSON, DORIS J.
ANDERSON. individually and as heir of BLAKE E. ANDERSON. JR. as follows:
Parties
1. The Plaintiff is the FEDERAL HOME LOAN MORTGAGE CORPORATION, a corporation
organized and existing under the laws of the United States of America, with offices for the purpose of doing
business at 8609 Westwood Center Drive, Vienna. Virginia 22180.
2. Two of the defendants arc GREG L. ANDERSON and KAREN D. ANDERSON, who are and were
husband and wife at all times relevant hereto and arc adult individuals last known to be residing in the
Mortgaged Premises at 4103 Clubhouse Drive, Meehanicsburg, Cumberland County. Pennsylvania 17055, and
they are two of the mortgagors and real owncrs of said Mortgagcd Premises described herein, having acquired
partial title by Deed dated on or about February 22, 1990 and recorded on or about March 2. 1990 in the
Cumberland County, Pennsylvania Recorder's Office in Record Book L-34, Page 35, which deed is incorporated
herein by reference.
3. One of the defendants is DORIS J. ANDERSON, individually and as heir of deceased mortgagor and
real owner BLAKE E. ANDERSON, JR., and she is an adult individual last known to be residing in the
Mortgaged Premises more fully described herein and located at 4103 Clubhouse Drive, Mechanicsburg,
Cumberland County Pennsylvania 17055; and she is one of the mortgagors and real owners of said Mortgaged
Premises, having originally acquired partial title as Joint Tenants with the Right of Survivorship with her now
deceased husband BLAKE E. ANDERSON, JR. by Deed dated on or about February 22, 1990 and recorded on
or about March 2,1990, in the Cumberland County, Pennsylvania, Recorder's Office in Record Book L-34, Page
35. and having inherited her decesed husband's interest in the real property by operation of law as a result of
her spouse dying on or about November 17. 1992, said deed is incorporated herein by reference,
4. The UNITED STATES OF AMERICA is named as a defendant in this action by reason of privilege
granted in an Act of Congress of the United States of America, pursuant to the provisions of28 V.S.C. ~ 2410
and 26 U.S.C. ~7425, as amended.
.2.
Federal Liens
5. The names and addresses of the taxpayers whose liability created federal liens on said Mortgaged
Premises, and the nature of any interests and liens of the United States of America is based on the Notices of
Liens duly filed by Defendant United States of America through the District Director of Internal Revenue in
Philadelphia, Pennsylvania, as follows:
a. Lien Notice No. 239230504 dated on or about September 21. 1992 and filed
on or about September 24, 1992 in the Cumberland County, Pennsylvania
Prothonotary's Office, Cumberland County Courthouse. Carlisle, Pennsylvania,
to Docket No. 6586, Page 136, in the amount of$19,052.75, together with interest
to date, which lien is filed against taxpayers Greg L. and Karen D. Anderson,
4103 Club House Drive, Mechanicsburg, PA 17055.
A true and correct copy of each said Notice is attached hereto as "Exhibit A" and incorporated herein by
reference.
6. The hereinabove-described liens of Defendant United States of America, having been filed on
September 24, 1992, arc subordinate in priority, assuming that they attach at all and are liens on the Mortgaged
Premises described herein, to the lien of the herein-described Mortgage. which Mortgage was filed on or about
March 2, 1990, as more fully hereinafter described; and by filing this Action against said Defendants, Plaintiff
seeks a judicial sale of said Mortgaged Premises in order to discharge said Federal liens.
7. Defendants GREG L, ANDERSON, KAREN D. ANDERSON, and DORIS J. ANDERSON,
individually and as heir of BLAKE E. ANDERSON, JR., arc not persons in the military service of the United
States of America within the meaning of, nor engaged in any way that this Action would be prohibited by, the
Soldiers' and Sailors' Civil Relief Act of 1940, Act of October 17, 1940, ch. 888, ~ lei, seq. (SO U.S.C. Appx.
~~ SOl el seq.), as amended.
Mortl!al!e
8. On or about February 23, 1990, GREG L. ANDERSON, KAREN D. ANDERSON. BLAKE E,
ANDERSON, JR., and DORIS J. ANDERSON made, executed, and delivered to GMAC MORTGAGE
CORPORATION OF PA a note and mortgage, which Mortgage contains a description of the premises subject
to said Mortgage and was recorded on March 2, 1990 in the Cumberland County, Pennsylvania, Recorder's
Office in Mortgage Book 968, Page 272. Said Mortgage and Note are incorporated herein by reference, along
with the true and correct copies of same that are attached hereto as "Exhibit B".
Mortl!al!e Assil!nments
9. On or about March 21,1990, GMAC MORTGAGE CORPORATION OF PA assigned said Mortgage
in writing to FEDERAL HOME LOAN MORTGAGE CORPORATION, whieh Assignment was recorded on
or about May 24, 1993 in the Recorder's Office in and for Cumberland County, Pennsylvania, in Record Book
444, Page 1018. Said Assignment is incorporated herein by reference, along with the true and correct copies
of same that is attached hereto as "Exhibit C",
I O. Except as otherwise hereinabove described, there have been no further assignments of said Mortgage.
-3-
.
;--"'<
.
Default
II. Said Mortgage and Note ore in default beeause Defendants GREG L. ANDERSON, KAREN D,
ANDERSON, DORIS J. ANDERSON, individually and os heir of BLAKE E. ANDERSON, JR, did not make
the required monthly payments of principal, interest, taxes, insurance, and late charges to Plaintiff for the months
of October 1993 through the dote of filing of this Complaint.
12. By reason of said default, PlaintilT hereby exercises its option to declare the entire amount owing
upon said Mortgage and Note immediately due and payable in accordance with their terms and provisions.
13. By reason of said default, the following amounts are due in accordance with the terms of said
Mortgage:
Unpaid principal balanee. . . . . . . . . . . , . . . . . . . . . , . . . $ 141,689.43
Interest at 9.875% per annum ($38.33 per diem)
from 9/\193 to 312/94. . . . . . . . . . . . . . . . . . . . . . . . . ., $
7,014.39
Late charges at $62.96 per month to
2/94 . . . . . . . . . . . . . . . . . , . . . . . . . . . . . . . . . . . . . . . $
377.76
Escrow deficit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $
1,779.21
7.543.00'"
Attorney commtSSlon . . . . . . . . . . . . . . . . . . . . . . . . .
$
TOTAL AMOUNT DUE
~~ 158.403.79
...
The attorney commission stated above represents the amount through the completion of this action and execution
therein. If Defendants or their agents desire to reinstate (assuming that Defendants have the right to reinstate)
or pay the Note and Mortgage in full at any time up to one hour prior to the sale of the Mortgaged premises, the
actual amount of attorney commission that must be paid at that time may and probably will be les8 than the amount
atated above, and Defendants or their attorneys may obtain the actual amount by contacting Plaintiff's attorneys
at the address or phone number at the end of this complaint.
ComDllaDce with Homeowners' Emere:encv Assistance Act
14. Notice of rights under Pennsylvania's Homeowners' Emergeney Assistance Act, Act of December
23. 1983, P.L. 385, No. 91 (35 P.S. ~~ 1680.401c e/ seq.), as amended, was sent in aecordance with said Act
to Defendants, who failed to exercise the rights under said Act. A true and correct copy of each said Notice
is attached hereto as "Exhibit D" and incorporated herein by reference,
Notice of Intention to Foreclose
1 5, Although not required to do so by Act No.6 of 1974 since the original principal balance of said
Mortgage exceeded $50,000.00, Notice of Intention To Foreclose pursuant to said Mortgage and rights (if any)
under Pennsylvania's Loon Interest and Protection Low, Act of January 30, 1974, P.L. 13, No.6 (41 P.S. ~~
101 e/ seq,), as amended, was sent in accordanee with said Mortgage and Act to Defendants. A true and correct
copy of each said Notiee is attached hereto as "Exhibit E and incorporated herein by reference.
-4-
.
~'_.'....,... .-
WHEREFORE, Plaintiff requests judgment in its favor and against Defendants in the amount of One
Hundred Fifty Eight Thousand Four Hundred Three and 79/100 dollars ($158,403.79), with interest thereon until
paid at the rate of 9.875 percent (9.875%) per annum ($38.33 per diem) from March 3, 1994, late charges at
$62.96 per month from March 1993, and escrow charges at $230.34 per month from February 1993; for all other
interest, late charges, attorney fees, costs, and charges collectable under said Mortgage; and for any and all other
relief as the Court deems appropriate.
& PLANK
r 0 . Harris
Attorneys for Plaintiff
140 East King Street
Lancaster. PA 17602
(717) 392-4131
Attorney 1.0. No, 34393
-5-
.
VERIFICATION
We verify that the statcmcnts madc in thc forcgoing documcnt are true and correct to the
best of our knowlcdgc, information. or bclicf. I furthcr vcrify that I am a Vice President
ofGMAC Mortgage Corporation ofPA. which is the servicing agent for Plaintiff in the foregoing
document; and that as such. I am authorized to make this Verification on Plaintilrs behalf,
particularly since Plaintiff lacks sufficicnt knowledge or information of all the facts. We under-
stand that false statements herein are made subject to the penalties of 18 Pa.C.S. ~ 4904. as
amcnded, relating to unsworn falsification to authorities.
GMAC MORTGAGE CORPORATION OF PA
DATED: February 25, 1994
By:
~'l5k~
Name: Mary McGrath
Vice President
\9052.,75 .
.'")
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t~;.:~<...J,I;~,:',.,I,'::';.jl(\f.~i:,\~>.L;:"~:1-~:k!:' .,;',.,.tt;li':ill,l,' 'l,!":.;!.fi'\"'l..dli~l'''tll't..: -j"'- J"~'II'~' " '. ,j.
I r;~,'.:;;;\:;t;. i;)i;;;::il:\:,; :i'~'(:~'bl'".U..:~:j>W:'::,.~:':" F; :i:'t\:~ :f.t~.;. . ~ J,>~ !:~'.k~i~p.\:in,\J,~I;I:~:/:U;:.<)i;~p,Zr:t:,~h~~~!~ /~
I It; :::;j:C'.!:n7';';'-, ,:r.\':.....:.;'i,,:.l.....:..7.:...~!;.,..:;. .iliP.~Iiii~nt oi;lhe:l",O'liiiiry ~ Internal Ravgn'uo'Sorvlce . It .. ~1':.'.r.tV~i::.if;.;.l'I;t~
<or~IGg8(y):,1;;:$n,:-';..;.,:. .........'\1".. ': ' .,'j' . ~..,)l:1.\;:"..)
1 k:;~~~~h~111(;; ::-1 NQ{(deto.f .Feder~i\f;ak Lien Under Internal Rev~nue Laws .~::':~':li;fl~ill.
st(lcT;i;.:.'::..)....:..:...,87'"'~:~''' .. "L'mb~ ,.,0 ....,.... "Am. 0111". 0....:\',1
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.~:p'r!l9.I~~J~'y'~~'c1tl)~~.~321,632:l, and 8323 ~ph~ Internol Rovonuo Ooda, ":: :';,I~:;
.o.Y.~~",IS~IY.Q,.,O,IJill,l.l,axes"<l"elUdlng Inla~r:sl ond ponolt1os) havo baan p .,. 1:
.JB~ss~d i1ga)~st lhQ'!ollowlng.namqd IlllCpayer. Denlllnd for payment of this ')\, I ~l~ '1 ~ i.
'~~'I'iY.:l' rl.n,~ ~:f~.n:'iljpd.~:',bU't.lt remalnt unplIld:Thorefore, thero Is Ii \llln In IJ .' ~\
~\I.or 0 tll0 .Unltad Stalcl on 011 proporty lInd rights to property belonging to <,
.\\S,: t'~l<r.~Y6r;:;'Or:. ~tifiml;lunt. 01 lhose tllX9$, alld additional penalties, ,....., ~.
ltor.oiJ.:and costs'Jhat.moy C1corue. ~J,. .;:
_ ___ _0_-.._____ ~olI') ~
1m..o 9.t;r~payer'. i:'r~I!G l. Co ":^,,'.I;.N Ii "r'llltin~ON ~~:~ ..J ; ;~:.
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tlj1P9~':Al'!T:,~~.(~~eJ.N.F..ORMATION: With re3pecl to each aGSosslllontlistQd :.i" ...' .'j.
~clovt( 4nl~.~~.J}oll,c~ 01 Jlen Is refilod by the dale given, In column (0), thhl nutlco oC=<~; .. d' ~..
s!'all..~n (ho ~~.y f?I.l91VIpg su"ch dale, eporate '61\ cortlhcalo 01 rtllea30 a. dollnod ~ ' .' i '... .' ,;,.;,
1n IRe 632S(~).\W/:'II'."\'\T~:' .'. . ," .,. 'J.:
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1-523647-91
LOAN ,
MORTGAGE
TillS MORTGAGI!("Stl:u,lly In.Ioum.nl", Is II"non the 23rd dey of FEBRUARY
II) 90 . The nlufllllor II
GREO L. ANDERSON, KAREN D. ANDERSDN, BLAKE E. ANDERSDN, JR. ANO
DORIS J. ANDERSON ("Borrow,,").
Tl,'.S<<urlly In.Ioumenll'I'"n '0 OHAC HORTGAGE CORPORATION OF PA
whkh II ufllnlud and exlilln, under the laws or PENNSYLVANIA . and whose Iddre" Is
B360 OLD YORK ROAD, ELKINS PARK, PA 19117-t590 ("Lend,,"),
Borruw" ow.. Lend.r1h. Pllnclp,l.um or ONE HUNDRED FORTY-FIVE TII0USAND AND 00/100 ............
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OollllS(U.s.s 145,000.00 ), Thl. d.blls ,vld.nced by Borrow,,'. no" dat.d Ih. sam. date U Ih"
Stcurll)' Instrument ("Not'''). which provld" ror monthly payments. with Ihe rutI debl, ir nol paid eIrller. due Ind paYlble
on HARCH 01, 2020 . this Security Instrument secures to Lender: (I) Ih. replymenl Dr Ihe
debt 1'Ildenced by Ihe NOle. wllh Inlertst,lnd III renewals, txlenslonslnd modUlcations;(b) Ih. payment Dr all Olh.; sums.
wllh lnlertst. adnnt:.d under panlraph 7 to prolectlhe securlt)' or thll StcurilY InSHumenti anil (c) Ih. 'plrrormance or
Borrower's CO'lcnlnls and Ilreements under Ihll Security InsHument and Ihl Nole. For Ihll purpose, Borrower daa hereby
mortP", arantlnd conny to Lender Ihe rallowln, described property located In
CUHBERLAND CounlY, P.nnsyh,n1a:
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SCHEDULE "A" ATTACHED HERETO AND HADE A PART HEREOF.
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4103 CLUBHOUSE DRIYE
IS"..'I
("Property Address");
HECHA~FBURO
PenMyl..nll 17055
I'. Code1
.
TOOETllU Wml all Ih. Improvemenb now or bercaller erected on the property, and all _to, nabto,
appurttnlnccsl rents. royahies. mineral, aU and au riahlS and protlll. water riahts and stock and all altURI now or
beraRer I port ollbe property, All rcplacemento .nd Iddillons .hall a1so be covered by tbll SecurilY IMtNmcnt AU o(tbc
ronaoln. II "r.md to In thl. Security InllNmmt u th. "Property."
BOUOWER COVENAlIT1lhl1 Borrower i. II..rully seised or Ibe eslale hereby conveyed and .... the nabt to
mort.".e, .rant Ind convey the Property and Ihot Ih. Property" uneneumbered, ....pl rDr cnt1Imbranca 0( n<onI.
Borrow.r w.mnto .nd will d.r.nd .m,,"lIy Ih. 1111. 10 Ih. Property 1.llnll .11 <I.lm. and clemands. .ubjecllO any
encumbrances orrtCord.
THIs SECURITY INSTllUIoIENT combines unlrorm covmlnto ror nlllonal use and oon.unlrorm covenants with
Umhed ".riadons by jurisdiction to consthull. unirorm security Instnsmmt coverin, rat property.
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PENNSyLVANIA-II.... '''.''r-'NIlA"HLIlC UNlfORIl tH1T1lUIl[HT
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UNIFO.... COVENANTS Rurro\ll'er and Lender covenanl and alrt( I' follows:
1. P.,m,nt 0' Prlnclpal .nd Inlerrll: Prrpa)m,nt and Lal' Cha,.,.. Dorrower shin promplly pay ....hen due
the principal orand Inlernt on Ihe debl nidenwl by Ihe NOle and any (lrepayment Ind Illechlrlndue under Ihe Note.
2. Fund. 'orll"llnd Inlurance. Subjcctlol(l(lliclble IIW or 10. wrluen wliver by Lender, Borrower shall pi)'
ta Lender on Ihe day monlhl) (llym~nl\ Ire due und~r Ihe NOle. until the Nole il raid in full. . sum ("Funds..) equal 10
one-Iwcmh or; ea) yelrly lun Ind lue"menlS ,*hl~h may Ittlin priorily o\'er thil Securily Inluumenl; (b) yurly
IcalChold paymentl or Iround r~nl\ on Ihe plOrer1Y. if In)': (c) yearl)' hallrd inlurlnc:c premiums: and (d) yearly
monllle iMurance premium\., if an)'. 1 h~\e Ilem' arc cIlIed '~ncrow lI~ms."lendn mlY e\limlle Ihe Funds due on Ihe
bull of currenl dl'land rlliOnable nllmlln of fUlure nerow lIeml.
nl Fundi shall bt h.ld In .n InllllulloR the depodll or IceOURII ur which Ir.lnsured or "lIantred by I rederal or
Itatlll'RC)' (lncludlnl Lender If Lender is luch In Inllltullon). Lender shaD appl)' the Fundi 10 pay Iht escrow Uems. Lender
may not chili' for holdlnl and applylnllhe Fuool.lnalyzlnllhe Iccounl or Wfrlfylnllhl naow lIeml, unlelS Lender PlYI
Borrower Inter"I on Ihe Fundi Ind IppUcable law permlll Lender 10 md:c luml ctw.. A chari' aunsed by the Lender In
cOMccllon wllh bonowers' enlerlnllnlo lhtl Securlly Inslrumtnl to pay the cost at an Ind.pend.nt tax reportlnl..mea
shaD not be a chit.. tor the purposel at the prccedlnlltntenct. Bonower Ind Lmder mlY Ipee In wrUlnllhallnterest lhaD
be paid on Ihe Fund.. Unle..an Ilreemenlll made or Ippllcablc law requbCllnlernl to be paid, Lender IhaJ1 not be required
to PlY Bonowtr any'lnttJClt or tlmlnll on lhe Funds. Lender UtaU atVt 10 Darrower, wlthouI cbarp, In annuallCcountlnl
or Ih. Funds Ihowlnl credlll and debltl to the Funds and the purpose ror which each debll to Ih. Fundi WII mid., The
Fundi Ire piedI'd al addJllonallCcurlly for Ihe sumllCCw~d by this Security Imlrumenl.
I( Ihe Imount of Ihe Fundi held h)' under. 10lether with Ihe ruture monlhly paymenll or Fundi payable prior to
the due dltes or the escrow ilrms. Ihall CActed Ihe Imounl required 10 pay the nerow Ileml when due. Ihe ucal shan be.
It Borrower's opllon. either (lromplly repaid 10 Darrower or credited 10 Borrower on monthly payments or Funds. lithe
amount oflhe FundI held b)' Lender i\ nOI ,ul'ficientlo pay Ihe nerow iteml when due. Borrower Ihln pay 10 Lender any
Imount necaury to mike uplhe deficiency in ane or more raymentlll required by Lender.
Upon payment in rull or III sums lC('urcd hy Ihls SecurilY Inmumenl. Lender shall promptly refund 10 Borrower
In)' Fundi held by L~nder. Uunder r-aracra(lh 191he I'ro('llrt).II 101d or Icqulred by Lender. Lender shlUapply. no later
lban immediately prior 10 Ihe ule of Ihe Prl'rcrlY or itl acquisillon by Lender. Iny FundI held by Lender at the lime or
applicalion u a credilllaintl Ihe ,uml \teurtd by thil StcurilY Inurumenl.
3. Appllclllon of PI,menls, Unlns arrdiclble Ilw provides olherwlse. III paymenll rccelved b)' Lender under
paraltlphs Ilnd 2 Ihall be Iprlied: li"'I, 10 laic charles due under the Note; ICCOnd.to prepayment charaa due under the
NOle; Ihird.IO ImounlS plYlble under par'lflph 2: fourth, 10 inlerest due; Ind Iasl.IO principal due.
4. Cb.raes; Uens. Dorrower shall ray IIIIUCS. IS"'lmmtl. charlet. fines and Impositions al1ribullble to Ihe
Property which mlY aUlin priorilY over Ihis Securit)' Inllrumenl. Ind leasehold pI)'menlJ or .round rents. II any.
Borrower shall pay these obli,ltions in Ihe manner provided In ranltlph 2. or Ir nol paid In Ihal manner. Borrower shall
par than on lime directly 10 the penon OWN payment. Borrower Ihln promptly rumish to Lender IU notlca 01 amounb
10 be paid under Ihls paralraph. If Borrower mlkeslhese raymenll dirccll)', Borrowcr shall prompll)' rurnllh to Lender
rccdpll evidencinl Ihe paymenls.
Borrower shill promptly diKharge an)' lien which hIS rriorily over Ihis Securit)' Inltrument unlm Borrower: (I)
alrees in wrhin, rothe payment orlhe obliaalian KCured by Ihe lien In I manner Iccepllble 10 Lender, (b)contall in.ood
fallh Ihe lien by. or defendsl,linsl enforeemenl or Ihe lien in, lelll procetdinp which In Ihe Lender., opinion operale to
prevenlthe en(orcemenl of the lien or forf~ilure of Iny part of Ihe Property. or (c) secura from the holder or the lien an
a,reemenl utllflClory 10 ltnder subordinllinl Ihe lien 10 Ihis Security Inllrumenl. IrLender delermines Ihal any part or
the Propert)' illubject 10 I licn which may allIin priorilY over Ihil 5ccurity Inslrument. Lender mlY ,ive BotrDwtr a
notice Identiryin,lhe lien. Darrower shall ullsfy the lien or lIke one or more orlhe lelianlKt rorth above whhln 10 cia,.
oflhellvin,ofnollce. .... . . ..:
5. Hlunt Insurance. Dorrower shin keep Ihe improvements now cail1lnl or hereafter erected on the Property
Inlured Ilainsl lOll by fire, hlzards included within the lerm ooellendcd co\'c"ralc'. Ind Iny other hlutds for which Lender
requires insurance. lhi, inlurance shall be mlintlined in Ihe Imounll and for Ihe periods Ihll Lender requires. The
Inlutlnee Clrrier providlnllhe insurance shill be ehOltn by Borrower subject to Lcnd~r.J approvll which Ihln not be
unrealOnabl)' whhheld.
All insurance polil:in and rencw;ali \!I:all be Icceplable to lender and shin Include I standard mOflpaee clIUSC.
Lender shall hue Ihe IIMhl III hula! Ihe rulilOin and rene~'ilb. If lender requires, Borrower shall promplly &In 10 Lender all
recelpll or paid premiums ;lnd lene~'al nUllers.ln the evenl of lOIS, Borrower shall live prompt nOllce to lhe Insuflnce clnler
:tnd Lender. Lender may m.d,e pruu(uflunlfnlll mJde promplly by Borrower.
Unlm Lender and Borrower olherwlse Ilree in wrilin,. insurance proceeds .hlll be Ipplled to resloratlon or repair
or Ihe Propcr1y damllcd, it the rnto"'tion or repiir is economically feasible Ind Lender's securit)' is not lessmed. If the
ratorallon or rerair il nOl economically f~lIible or Lender's ltCurilY would be lessened, Ihe insurance proceeds shall be
Ipplied to the lums lecured by Ihis Securily Inllrumenl. whelher or nolthen due. whh Iny elcm paid to Borrowcr. tr
Borrower lbandons Ihe Propeny, or docs nol Inlwer within 30 days I nntice rrom Lender thallhe insurancc Clrrier hu
oft"ered 10 scule I claim. Ihen Lender may collect the insurance proceeds. Lender ma)' use Ihe procecdllO repair or reslore
the Property or to ray sums lCeured by Ihil Security Instrument, whether or nol then due. The JO.day period will belin
when the notice il&iven.
Unlcsl Lender Ind Borrower olh~rwise I.rce in wrillnl,lny Ippllcalion of procetdslo principlllhall nOI Cltcncl or
poItpone the due dlle ohhe monlhly paymenls referred 10 in plJlaraphl land 2 or chlnge Ihe Imounl orehe paymenls. II
under patllnph 19the Property is acquirrd by Lender. Borrower.s nlht to Iny insurance policieslnd proceeds multin,
rrom clamale 10 Ihe Propen)' prior 10 Ihe acquisition shan pllS 10 Lender 10 the eatenl otthesumlsccuf'Cd by Ihis Securily
Inllrumentlmmedillely prior tOlhe acquisilion.
6. Prae"ltlon and Mllnlenlnee or Property; Lelscholds. Borrower Ihan nol demoy, dlmale or subslantillly
chanle Ihe PropenYl IlIow Ihe ProreJlY 10 delerioralt or eommll wllte. IC Ihil SecurilY Instrumenl is on a leasehold,
BorrowClshall comply 'Wilh Ihe provisionlorlhe lellC. Ind irBorrower Icquires ree lille to Ihe Property.lhe leasehold and
fee title lhall nol merle unless Lender Ilrees 10 Ihe merler in writ in,.
1. ProtKllon or Lender', Rlahtl In the Properl); MorlPle Insurance. IC Borrower fails 10 perfonn Ihe
covenlnts Ind Ilreemenlleonlalned in this Seturity Inslrument, or there is Ilelll Proceedinllhll mlY sl8niftcan.lr ItI'cct
Lender's rilhll in Ihe ProrerlY (such IS I procrcdinl in bankruplcy, p'mbale. for condcmnllion or to enrom laws or
rqulallonl). Ihen Lender may do Ind pay (or whalever il nteauJ)' 10 protect the value orlhe Propeny Ind Lender', rilhll
in Ihe Propeny. Lender's ICllons may include payinlln)' lumllCCUred by a lien which hu priorit)' oYer Ihis Securily
Inltrumenl. Ippcarinl in coun. pa)'inl rellOnlble IlIorneys' rmlnd enterin. on Ihe ProperlY 10 make repairs. Althou&h
Lender mlY like aclion under thil panltlph 7, Lender dOCl not hive 10 do 10.
An)' Imountl dilbursed by Lender under Ihis rar'Jtlph 7 shall brc:ome addhional debt orBorrowerlCCured by this
Security Inslrumenl. Unless Dorrower and Lender Ilree 10 olher lennl or paymenl. Ihese Imounllshall belr inlerat rrom
Ihe date of dilbursemenl II Ihe NOle file Ind Ihlll be paYlble, with interesl. upon nOllce from Lender 10 Borrower
requali~, paymcnl.
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It Lender requiral mort Jill' Inturlnee a\ a condillon or makin, thr lOin ,rcuftd by Ihl' Security In,lrum.nl,
Borrower shall ray Ihe premiums requirnllu mainlain .he in,uranccln elfect unlil such 11m. It Ihe Irqulremlnt ror th.
Insurance lerminaln In a<<ord.nce wilh Derro....er.' and Lender', ....rillen Ilrnmenl or appltClhle II".
I. hupretlon. Lender or hs alenl may make rel\Onahle cntrie, upon and in.p<<lion\ or Ih. Proptrty, Leadrr
Ihan Jiwe Dorrower nolice II the lime oror prior to In in\r<<lion speci(yin, ru,onable cau" ror the In'(1tClion.
9. Condemnation. The procttd\ of In)' award or claim ror damlln. direcl or contcqucnllal,ln connection wllh
any condemnation or olher tlkin, or any pall or Ihe Prarrrl)', or ror eonwC')'ancr In heu or cond,mnIUon, "' htflby
wlaned and Ihall be paid to Lender.
ln the event or I 10lallakinl or the Property, Ihe proclcds than he applittl to tile sums secured by Ihls Security
Inltrume'U. whelher or not then due. whh an)' elcns paid 10 Dorrawer, In the ewent o( a palllllllklna or tht Proptrly.
unless Borrower Ind Lender otherwlie laree in wrillna. the lums ltCured b)' this SfCurilY In,uument shill be reduced by
the Imounl or the procctdl multiplied by the rollo....inl rractlon: el) the tolll Imounl or the sums ,"urld Immedlllely
before the Ilkinl. diwidcd b)' (b) the rair markel value orlhe Propert)' Immnlialely berore Ihe laklnl. Any balance shan be
paid to Borrower. .
Irthe Property Is lbandoned by norrower, or ir. Irter notice by lender 10 Oorrower thllthe condemnor oKen 10
make an aWlrd or scllle I claim ror daml'CI. Dorrower raUslo rClrond to under within 30 dl)'s Irter Ihe dll' Ihe noliee b
linn. Lender iSlulhorized toeoUcetand '1'1(1)' Ihe rrocecds.al iI,optlon. either 10 rnlorallon or repair orth. Property or
10 the sums sccured by Ihis Securily Insuument. whether or not then due.
Untcu Lender and Borro....er otherwise Ilr" in wrilinl. Iny Irplielllon or proceeds 10 principal shall nol Cllend or
postpone Ihe due date or Ihe monlhly payments rererred to in pa.raararhs Ilnd 2 or chanle Ihe amounl of luch paymentL
10. Borrower Nol Released: forbearanu Dy Lender Not. \\'aher. Ellen.lon or Ihe lime for paymenl or
modiftcalion or ImonilAlion or Ihe sums KCurtd b)" Ihis Security Inmumenl aranlcd by lender to any lucccuor In
Inlercsl or Borrower shan nol operate 10 release Ihe liabililY or Ihe orilinll norrower or narrower's successon In Inlernt.
Lender shin not be required 10 commence procccdinls 'Ialntl any luceellor In Inlernt or reruse 10 ulend lime ror
payment orolherwise modiry amortization ofthe sums secured by thls.S<<urily 1"'lruRlenl by rcaton orany demlnd made
by Ihe orilinll Borrower or Dorrower's SUCtCSSOB in intercsl. Any rorbearance by Lender In uercl.lnlany rllht or remedy
lban not be a waiver or or preclude the uercisc orany riaht or remedy.
ll. Successors and Allllns Bound; Joint and SIYe"I Uablllt)'; Co.slanen. The covenlnls and Ilrttmtntl of
this Security Instrumenl shall bind and btndil the succC\\On and auiln' or Lender Ind Oo"ower I subjeclla thl r,ro'llllans
Orparalraph 11. Borrower's covenanlsand aareemenll shall bejoinl Ind \eweral. An)' l1urrower who co-sllnllh s Securily
Instrument but docs nol uecule the Nole: (a) is co-slanina this SecurilY lnstrumenl only to morlla,t, Irani and eon'lt)'
thlt Borrower's Internlln the Property under the lerm' of this SccurilY Inmumenl: (b) Is not flCtIOnlll)' obll,ated 10 pay
the suml secured by this Security Inslrument; and (c) alren Ihal Lendrr and any olher lJorrowtr may I,rff 10 '"lend,
modiry. rorbear or mike Iny accommodations with relard 10 the lerm' or thi, Securil)' (n"rumenl or the Nole wllhoul
Ihlt Borrower', consenl.
12. Loan Chari". I( the 1000n sccured by Ihis Sccurhy In'lrument I, subJecllo alaw which stl' ma.lmum IOftn
chlrles. and Ihlt Ilw is finally inlerpreted 10 thai Ihe internl or olhu Iuan chlr,,, C'ollfCltd 0' 10 be eolltcltd In
conneclion with Ihe I<>>n CAcecd the rcrmiucd limits. Ihen. (II) Iny such Illln chlfle ,haU be rtduCfd by Ihe amounl
nceasar)' 10 reduce the charle 10 Ihe pcrmllled IImil; and (h) Iny sums Ilrully C'ollttlW (rum Uorrower which ucttded
pcnnltled limits will be refunded 10 Borrower. lender mlY ehOO\e In make I'd, rcrund by reduelnl the pnnclral owed
under the NOleorby mlkinl a dirccl raymenlltl narrower. I( a rerund rnlue" p.jnclral.lh. .ttluellon will bt Utllcd u.
panill prepayment wilhout Iny prel'Aymenl charlc under Ihe Nole.
13. lAllslaUon Atrecllnl Lender', Rlahtl. I( enlClInenl nr url.alion !lr 'rrli~'lbl. Ilws hi' Ih. elf tel or
<<odenn,any provision orlhe Note or thi, Securit)' In\tfument Untnrorcrahle lCeordinllo ii, ttlm.. L.nd".lt It. optkln.
may require immediate pa)'menl in rull or all sum\ \<<ured hy Ihi\ Sceurll~ Inmunlent .nd ml~ I"woke any rtmcdl"
pcnnittcd by patllraph 19. IrLender eacrci\n thit nplitm.l.C'ndtr \halllJ~e Iht \leI" \(1tCifted In Iht ,"ond patllraph or
paralraph 17.
14. Nollcts. An)' nolice to Borro....er prn,"ided ror In Ihi\ StculIlY IlIurument ,hln be Ilvtn by deUnrlnl1l or by
mamnl it b)' flnt cll" mail unlen Irplicllble law requlrn use or Inmhr' melhod. The nollee shill be dirtcled 10 the
Properl)' Address or Iny olher addrns narrower de\l.naln hy Illllicc ht tellder. Any Ilolice 10 Ltndtt shall 1M linn by
ftnt cl." mail 10 Lender's address staled herein nr an)' olher Iddr"' bndtt d"I,naln hy nOllello norrowl,. An)' nallce
r,rovided rorin Ihls Securit)' Instrumenl ,hili he deemftlln hue httn II\'tn In nOflnWIf III tInder _h,n ,Ivln a. pro'lldtd
n Ihls paralraph,
15. Conrnlnl LaW; SenrabUlly. Thl, Srcu.il~ In\llu",'1I1 ,hall he' .mcrnftl hy rcdellllaw and Ihe law orthe
jurisdiction In which Ihe Properl)' II localed. In thl t\ellllhlll .ny rrll\'I\lnn or clau" or Ihls 5<<ullIy lnllrumenl or the
Note connlclS with Ipplicable law, such connlct ,hili nollrrttl nlh" rH"i,ion, orlhl, S<<urll)'lnsuument or tht NOlt
which ean be liven tlfecl without the ('unnIClln, ruuwi\illll. To ,hi' elullh, rHlWltlnn\ or Ihi\ Security Inslrumenl and the
Note arc declared 10 be: severable.
16. Borrower', Capy. llorrower ,hall he ,hen nile t'onrurmftl (!try U( III" NUl. and orthl, Security lnltrumenl.
11. Tnnsfer a( Ihlllrapert)' or a n,ntRrI.llnl.r"t In IInno.". I( III nr any part or the Propen)' or Iny
Interest In it is sold or transrerred (Dr 1(1 hcncftc'll int"nlln Ilmruwrr It 'old CU lran,rtnnland Ilorrower II not I nltural
penon) wllhout lender's prior wrilten con\tnt, l.elulu may. 11111 oplllln, rttlullt ""med'J" raymenl in rull or alllums
lCCurcd by Ihis Securit)' Instrument. lIowever. 1111\ urlMn \11111 .Ult he urh'I\Ci1 hy t.ender ir uercise II ptohibllcd by
rtderallaw 1I0rlhedlleorlhisSccu.ily 11l\I.URlelll.
I(Lendcr nerci\(, thl, option. lender shall ,In Ilnrwwel nllll" or .cnlefllinn. The notice ,hln prowldt. period
ornotlcss.than JOday' rrom Ihe dale Ihe. IInllce.\ dt'h\ouftl 0' mtllled within which IInrrnwcr mull poy III lums secured by
this SeeU"ty lnstrumenl. If Dorrnwer rail, to PlY IlInr \um, prin. In 111' ,'plr.tlnn Dr Ihls rcrlod, Lend" mlY Invoke Iny
remedies permitted by this Sccurily I"mumlnt ..lthoul rUllhfr nulice m demand on Ilotlower,
II. Borrowerll Rlaht to Rllntllle. If Uonp~ul n1<<t, cerlain ,'nndlllnn,. notl",~er shin hawt the rllhllo haWl
enrorcement orlhis Securit)' In\lrumenl dl\Cunllnunlat .ny lime rflor to the IIIrht'l or: II) S diY' (or such other period..
applicable Ilw may speciry ror rein\llIlrmenl) herme ul. IIr Ihe Ilrnrcrtr pUllulnllu any ruwer nr "Ie conlllncd In Ihi.
Security In"rumenl; or (b) enlf)' or I jutl,mfnl enr...Clnlllll' ~Urll~ 1"'lfUmenl lho'l eandillon, .rc Ihal Borrower:
(a) pays Lender alllum\ ..hich thfll would he duc under Ihl\ ~uli'y InU,umfnt .nd Ihe Note hid no accelerlllon
oec:urred: (b) curCI an)' derault or .ny olher (uwenlnl, Itr 1"Cfmln"j (e) pays .11 fAJ'C'n\n inclltfed In enrordnllhil
Security Inllrumenl. ineludlRl. bUI not lunlted ,In. "IWlnlhlt Iltornt~" r.n; .nd Ill) t.kn ,ueh aedon IS under ml)'
reasonably require tn ,"ure thllthe lien or Ihl' SC'curny In\UUmlnl. I..ndtr', rilh" In Ihe l'rofICrt)' .nd Oorrowt".
obU,alion 10 pay the sums KCurcd by thIS StcurllY In\lrUnlenl shall (onlinut unehanled. Upon rllnst.lmlenl by
Bonower.lhls Security Inmument and Ihe nbhllllon' wurm hrrehy ,hall remlin rull)' tlCCllwe IS irno .cceltr.tlon had
occurred. Howe'ler.this riahllo "IMllle ,hili nntarrlr tn thecI\e (lr aecrler'llnn undtr patllraph, 11 or 17.
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NON,UNIFORM COVENASts Dorrower and Lender rurtherco\'enant and I.ree a\ rOIlOWIl:
19. Acceleration; Rem.dl.s. Lender shall II\'e notice to Dorrotter prior 10 lecelerlllon lollowlna Dorrower'.
br'lCh 01 anr connanl or a,rrement In this Security Insuument {but not prior to acceleration under paraaraphs 13 and 17
unleu applleabl. law pro.ldn otherwlseJ. Lender shall notlry Dorrow.r or. amona other Ihlnp: (I) Ihe derlult; (b) Ihl
letlon required to cure th. dcrauhl (d "hen the derauh must be cured; and Cd) Ihat faUure to curt Ihe default a'lpeclAed
mlY ,nult In Icceleratlon ofth. sum' sfeured br Ihls SecurUr Instrument. roreclosure by Judlclll proceedln.and nle 01
the Propert,. Lender shall further Inlorm Dorrower of the rlchlto reinstate afler accelerallon and th. rlaht to ISlIrt In th.
fortelosur. procetdln. th. non..lIstence of I defaull or Inr other derenlt of Dorrower 10 leceleratlon Ind fortelOlurt. It
th. default II nol cured IS speclned. Lender at III option mly require Immedllte pl)'ment In full 01 aU sumlICcurcd by tbll
Security Instrument without lurther demand and may foreclose this Security Instrument br Judlclll proceedlnc. Lendtr
shall be entitled to collect III upenscllncurred In punuln. the remedies proYlded In thll plralflph 19,1acluclJna. but aot
limited to, aUorne)'.' fen and eosll or title "Idenee to the nlent permitted b)' .ppllc.ble law.
20. Lender 1n Possession. Upon acceleration under parllraph 19 or Ibandonment ot the Propcny, Lender (in
person, by aaenl or b)' judiciaUy appointed receiver) shill be entided to cnler upon, tlke possession ot Ind mlnaac thc
Propcny Ind 10 collect the rents of the ProperlY includina those past due. Any rents collttted by lender or the receiver
shill be Ipplied fintto pa)'ment or the com of manllement ot the Property Ind colltttlan or renls, Includin.. bUI not
Iiml1ed to, receiver', fees, premiums on receiver's bonds and reasonable l11orne)'s' ren.lnd then to Ihe sums secured by
Ihis Security Instrument. .
21. Releue. Upon payment of 111 sums secured by this SecurilY Instrument. Lender shill dischlr,e this Security
Instrument without char,e 10 Borrower. Borrower shalt pay Iny recordation COlli.
22. Reinstatement Period, Borrower'slime 10 reinstale provided in para,raph 18 shill calend 10 one hour prior to
Ihe commencemenl otbiddin,at a sherirrs sale Dr olher sale punulnllo this Security Instrumenl.
n, Purchase ~1one, Mort.a.e.lran)' ollhedcbtsccured b)' this StturilY Inslrumentls lenlto Borrower to acquire
thle 10 the Propcny,thi, Securit)' Inmumcnt shall be I purchlse money monllle.
24. Inlercst Rate After Judament, Borrower Isrees thll the interest rate paYlble atler aJud,ment i. entered on the
Note or in an action of monS lie roreclmure shall be Ihe rale paYlble trom time to time under the Nole.
25. Riden to Ihls Security Inslrument. Irone or more riden Irc cxecuted by Borrower and recorded loaelhcr whh
this Security Inmument, the covenlnlllnd I.reemenll or each such rider shall be Incorporated lnlo Ind shill amend and
supplement the covenant' Ind ..rccmenll or Ihis Security Inslrument u it the rider(s) were a pin ot this Security
Inllrumml. [Choc:k applicable OOa(es)]
o AdJuslable Rile Rider 0 Condominium Rider 0 t.4 FomUy Rider
o Oradulled Paymml Rider
OOlher(,) ('poc:iryJ
O. Planned Unil Deyelopment Rider
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By SIONINO BELOW, Borrower accepll Ind I,rces 10 the terms Ind coyenlnts contained In Ihis Security
Instrumentlnd in Iny rider(s) executed by Borrower Ind nc:ordcd with h.
Wlln.....:
(Se.l)
-Borrow"
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V (Sell)
REN D. ANDa:N -So..",,,
Il~i,Jv ~ JDAA.--.fJ::?.(Se.l)
BL ANDERSON JR. ~1Io'_"
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DORIS J. A{(oERSON .-So._..
Witness
Wltne..
11pN. ..... ThII UnI ,. Atu.o.lHl'MflIl
COMMONWEALTII OF PENNSYLVANIA,
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) u,
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COUNTY OF
C;;,ND
day or FEBRUARY
,A.D, 1990
before me.
On thl,
came the above-named
CREC L. ANDERSON, KAREN D. ANOERSON, BLARE E. ANOERSON, JR. AND
DORIS J. ANDERSON
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acknowledged the within Indenture or MOrlg.ge to be THEIR
same to be recorded as such.
.
WITNESS my h.nd .nd ,..I, Ihe d.y and year .rore..ld.
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ALL THAT CERTAIN lot of Ilnd Ind r,"l I.tlll, b.lnl Lol t6 lhovo
on tltlt carlaln 'rdletnlry /.Inlt 8ubdlvlllDn 'Ion for aolrvllw
rorarrod to In tltl wllhln Inltrue.nl, In lI.epet.n TDvo.hlp,
Cueb.rl.nd County, '.nn.ylvanla, eDr. partlcutarty bound ad and
ducrlb.d in accDrdanc. wllh .ald 'rell.lnlly/Flnl1 8ubdlvldDn
'lan aa fDtlDVlI
B!GINNING It a point on lit. .a.t.rt, .dl. and rllht-Dfoway Iln.
of C1ubhouII Drlv., which b'llnnln. potnt II on lh. VI.urty .nd
of tit. CD..Dn boundary ttn. b.lve.n Lol 16 h.r.ln d..crlb.d and
Lot 15 of GDlfvl.w .Ituat. to the .outh th.r.of. tlt.nc. .tonl the
...terl, Idl' of Clubhou.. OrlY. .lonl I curv. to the r..ht an
arc dllt.ne. ar 11.81 r.,t to . polntl thenee .10", the 1.lt.rly
.dle of Clubhou.. DrlvI. North 2~ d'lr..,. 09 .lnut.,. 50 ,.condl
Vllt. a dilt.ne. of 70.56 fI.t to 8 point I thence 810n, . curv.
to thl rllht. an arc dSlt,ne. of 29.71 f..t to . point) thene.
alonl the .outherty .d.. or ClubhoulI Drlv. Norlh 59 d'ln.., 56.
.lnut.l. IS .aeonda t;a.t. 120.04 ,.It to I point) thane. alon,
the CO..Dn bound.r, Iln. b.tw..n Lot 16 h.r.ln d..crlb.d Ind Lot
11 of 00llyllv. South 29 da,rI.l. 20 alnuU'. 38 lIeondl hie.
. dlaunca of 100.01 fe.t to 8 point I th.ne. ,lon, th. coaaon
boundery lIn. b.twlln Lol 16 h.nln ducrlb.d .nd Lol t5 of
GDlfvl.w, South ~9 d'lr..., 56 .Inut... I~ ..eDnda V..t. .
dlltanc. of 142.28 f..t 10 a pDlnl on lit. .a.t.rn .Id. of
Clubhou.. Drlv., the point of IEGtNNING.
IIAVINO TilER EON ERECTED. .Inllo re.lIy dvelllnl known and
nueb.r.d .. 41D] Ctubhou.. Drlv., N.chlnlc.burl. '.nnlytvlnl..
IEtHO TilE 8AME .REHI8EB which 8. A Cu.to. Built 110.... Inc.. ·
'A corpor.tlon, by thl. Ind.nlur. b..rtn. d.t. tlte 2]rd day of
..bruory A.D. 1990, and Inund.d to be fortltvtth nCDrd.d 1n
the Offle. for the I.cordlnl or De.d. In .nd for the cOunty of
CUabtrland. eoaaonwe.lth of r,nnlyly,nl_. .flnt.d and cony.y.d
unto the .,Sd Horta'lof'. In "..
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UNDER AND 8U8JECT 10 eorteln rutrlctlon. now of ncord.
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. FEBRUARY 23
,19 90
l'''tlt
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4103 CLUBHOUSE DRIVE
HECIIAHICSBUllO
IPfopeftY UOt,,,1
PA
17055
I. BORROWER'S PIlOMISE TO PAY
In ,clurn fot . loan Iha' I have received. 1 promise 10 ray U.S. S
145,000.00
(Ihis amount I, called
"principal"). plus inlcrest,to the order urlhe lender. The Lender is
OlIAC HORTOAOE CORPORATION OF FA I und.nland
lhallh. !.cnder m.y ".n.rer ,hi. Nolt, Th. Lender or .nyone who ,.kn Ihi. Nolt by lran.rer .nd who i. enlilled 10
receive plymcnll under this Note is Cllled the "Note Holder'"
2. tNTEREST
Internl wIll be chafled on unpaid principal until the full amount of principal hIS been paid. 1 wiU pay Inlem.t 111
y..rlyraltOr 9.875 %, .
The interna rile required by Ihis SettioR 2 lithe file I will pay both before and .het any dcrauh described in
Seedon 6(B) ollhl. Nolt,
3. PAYMENTS
CA) nm, and Place of Paymenll
1 will pa)' prineipaland internt by makln& payments every month.
1 wiU make my monthly pa)'ments on the lit day or each monlh bclinninl on APRIL 01 .
19 90. 1 will make these pI)'ments eyery month until 1 have paid an of Ihe principal and inleresl and any other cbaraa
described below Ih.11 m.y ow. under Ihis Nolt, My monlhl, JIlIymen.. will be .pplled 10 inltr"l bero.. prinelJlll" II, on
HAIleK 01 , 2020, 1 lIiIl owe amounls under thi' NOle. 1 will pay Ihose amounlS in rull on Ihal date,
wbleh Is caned the tlmaturilY date."
I will m.kemy monlhlyJIlIymenlnl 8360 OLD YORK ROAD, ELKINS PARK, PA 19117-t590
or ala dUferenl place ihequired by the Note Holder.
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(8) Amount arManlhl)' Payments
My manlhlyplymenl wiUbeintheamaunlofU,S. S 1.259.11
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4. BORROWER'S RIGHT TO PREPAY
t have Ihe nlht to make paymenls or principal al any lime berore Ihe)' are due. A payment or principal anty is
known u a "prepayment." When. make a prepaymenl. 1 willlelllhe NOle Holder in wridnl that lam doinllO.
I nuy nuke. rull p"JIlIymcnl or p.nl.1 p"JIlI,men.. wllhoUI JIlI,lnl .ny pr....ym.nl .h..... The NOI< Holder
will use aU or my prepayments 10 reduce Ihe amount or principal Ihal . owe under Ihis NOle. If t make a partial
pr<plIymenl, Ihm will be no eh.nl" in Ihe due d.It or In Ihe .mounl or my monlhly JIlIymenl unl... Ihe NOI' Holder
1&fCCIln wrilinllo Ihose chlnla.
S. LOAN CHARGES
tr a law. which Ipplies 10 this loan Ind which sets mlllimum loan charles. is I\nlll)' interpreled 10 Ihatlhe lnlerat
or olher loan Chlfld collecled or to be coUceted in connection wilh this loan exceed the permitted limils. then: (i) In)'
luch loan charle shan be reduced by Ihe Imounl necessary 10 reduce the chlrle 10 Ihe penniued limit; and (il) any sums
already coll<<led rrom m. whleh caeceded permiued Iimil. will be ..runded 10 m.. The Nol< Holder m.y ehoose 10 m.ke
Ihls Rfund by miucinllhe princlpall owe under Ihis NOle or by mlldnl I direcl pa)'menllo me. tr I RI'und reduces
principll.lhe reduction will be Irealed U I panial prepa)'menl.
6. BORROWER'S FAILURE TO PAY AS REQUIRED
(A,) LaiC Chuae far Oterduc Plymcnb
trlhe NOle HoJder hIS nol received the rulllmounl of Iny monlhly paymenl by Ihe end of 15 calendar
days .Oer Ih. d.It II I. due, I willJlllY .1.1< eharlelo Ihe NOI< Holder. Th. .mounl 01 Ihe eharle will be 5.00 or. or my
overdue paymenl ofprincipallnd inleresl.l will pay Ihis lale chlrle promptly bUI only once on each laiC paymenl.
IBl Del.ull
Jr. do nol pay Ihe full amounl of each monlhly paymenl on Ihe dale it is duc, 1 will be in defluh.
10 Nollce 01 Dd.ull
tr 11m In default. Ihe Nole Holder mlY send me I wrillen notice leUinl me Ihlllf. do nol pay Ihe overdue Imounl
by. cer1.I~ d.I<, Ihe Nolt 1I0lder m'y r"'lulrc m.lo JIlIY immedl.ltly Ihe rull.mount orprindJlllI whieh haSROI bml paid
Ind IU Ihe lnleresllhal 1 owe on Ihalamounl. Thai dlte mUll be II lea" 30 dlYs Iner Ihe dlle on whIch Ihe notice Is
dellvcrcd or mailed to me.
(0) No WlllIr Dr Note lIoldtr
Even if, III lime when 11m in default. Ihe NOle Holder docs nol require me to pay immediltely in full u described
lbove.lhe NOle Holder willSlill hIVe the oShllO do 10 if 11m in dd.ult II I Iller lime.
tEl P.ym..t orNolt Holder'. Costs .nd Ell,.....
lIlhe NOI< 1I0lder h.s required me 10 JIlIY Immedi'lely In lull .s described .bove. Ihe Nol< Holder will have the
rilhllo be paid back by me for In or ils coslslnd espcr\K'S in cnforcinllhis Note to Ihe calenl nOI prohibiled by Ipplicable
law. Thoscexpenses include. for (IImple. reasonable luomey" fees.
1. GIVING OF NOTICES
Unlcsslpplieable law rtquires a dift'ercnl method. Iny notice Ihal must be liven 10 me under Ihls Note wilt be pvcn
by clellverinlll or by m.l\inlll by ftnl c1... m.nlo me '1lhe propeny Addr... .bove or.1 . dlll....l add....lr I p.e the
NOle Holder I nodce ormy dift"crenllddreu.
An)' nollce Ihll mull be liyen 10 Ihe Nole Holder under Ihis NOle will be siven by mainns II by I\nt clw mail 10 Ihe
NOle Holder Illhe Iddress silled in Section leA) lbove or I' . dUferenl address ir 1 1m Biven I nodce or lhat dift'crcnl
add.....
MULTlSTATE FIXED RATE HOTE'-5ln'" Fsmlly-fNlIA/rMlllC UNIFORll IHSTRUlllNT
OMAC c MUoN I(I'C "" Itr
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form 3200 12/11
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" -':OBI.1Go\T1ClNS OF PERSb::s UNDER TillS NOTE ,,~
. . I ar morl~lhan on. penon Il,nl this NOle, each penon is rully and personally obli.lltd ID ktep ,n or the prcmllCS
, . iudc in ehb Not., includin'lhe promise 10 pay.h. rull.mount owed. Any penon who il'auar.nlo" lurely or cndorlCt
o(lhll N.I.I. 1110 obUllted I. d.lhne Ihlnl~ Any penon who Ilkn 0... Ihne oblllltion~ Includinllh. .bUIItIan. 0(1
pannlOf. lurel)' or endorser or Ihls Nolt, il.11O oblilltcd 10 ktep all or Ihe promlKl made In Ihis Note. The Note Holder
mar cnlorcc ita n,h'l under this Nole ',llnll each penon indi'i'lduIUy or 1IIInu ,II or UI fGleth.r. This munllhat anI
oncorUIIIlI)' be required to pi)' III oflh. amount. owed under Ihls Nole.
t. WAIVERS
I and an)' other penon who haa ablla'tionl under Ihls Nole waive Ihe ri.htl or pracnlmmt Ind nOlice or dllhonot.
"Pramtmcn'" mean. the ri,hllo require Ihe Nole Holder to demand pI)'mml or amounls due. "Nodee or dishonor"
mans the riaht to require the NOle Holder to aive nollee to other pcnolU thllamounts due have nol bttn paid.
10. UNINRM SECURED NOTE
This Noce is a unirorm inSlrumenl with limited vlriations in aomeJurisdicllona.ln addilion 10 Ihe protcellons alven
to Ih, NOli Holder under Ihis NOle. . Mona1ae. Deed or Trult or Securily Ottd (lhe "5ecuril)' Instrument'. dated the
..... dale.. Ihll N..., pr.lcclllh. N... 1I0lder rr.m poulbl. IOIIIS which mllhl rnul' ill do no' keep Ih. proml...
which I make In .hll NOIe. Tbal ScclIrily InllNm.nl d...ribn h.w Ind under whit c.ndili.n.1 mlY be required I. make
lmmcdialc payment In run oran.mounls I owe under Ihls Note. Some orthose eonditiolU .re described.s rollows:
Tnaalu or 11I1 Pr.perl, or I aeo.ftellllnteml to Borrower. 1I11I.r illY part or Ih. pr.perty .r
illY Inlern. In It IIlOld or IlIn.rcrrcd (.r Ir I ben.ftclllln,ernlln Borrower I. IOld .r IlIn.rerrcd Illd
Borrower Is noli natural person) withoul Lender'l prior wrhlen consent. Lender mlY, at itl option, require
Immedllll paymenlln lull 0( III.um.lICurcd by Ihi. Sec:urilY 1"'Nmenl, lIow...., Ihls opllon .hall n.1 be
..,rcbcd by Lenderlr...rclsc II pr.hlbbed by redmlllw ...hh. date.rthllSec:uriIY 1..INmenl,
II Lender ..erd... Ihls opllon, Lender .hallllv. Borrow.r n.ll.. or Iccelm,lon. Th. nOli.. .hlll
pravlda I period 0( nOIlcu IhIn 30 dlY' rrom lb. dll' Ih. nOli.. II d.llvered .r mailed wilhln which
Borrower musl pa)' all sum. secured b)' thi. Securit)' Inslrumenl. JrDorrower raiJllo pi)' Ihac suml prior 10
lb. ..plllllon or Ibl. period, Lender may Invoke Iny rcmedln pennllled by Ihll Sec:uri'y 1..INmenl
wilhout funher nodce or demand on Dorrower.
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WITN!SS niB HAND(!) AND SEAl.(S) OF niB UNDBBSlONEO.
j~~
(Seal)
UK N D. ANDERSON _Ionower
/(Jd.IJt'!? 011"'....,'" L2" (Sill)
Wllness BLAKE E. ANDERSON. JR. ~-- -Io,rowtt
/ I~;... O.~~-.A,...J
Wllne.. DORIS J. ANDERSON
(Sill)
-Io,row"
.
PAYTOTHEOROEROF
FEDERAl HOIJ.E LO~ uc:RTGACE CORPORATlON
WITH RECC:;RS~ l~IS .2JJiil DAY
OF _ . _.,lq'iP__.
CW.A MCR'GJ.~l;:';CR;:~l:OUCi:PA
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A. M. MUfVl"'t./~~l.,yS;;/.;nETAAY
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LOAN NO. 001-52364'-09
PERU
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1I1V./QIl!It\T;ir,34 .~O I'U",
.l;,\ ,... I/TY.rA
'931'lnV 2~
JHII
ANO WIlEN RECOROEO NAIL TO,
nt'll! .09
NAIlE
STREIT
CITY
STATE
ZIP
ATTH
CHAC HORTGACE CORPORATION OF PA
8360 OLO YORK ROAD
ILKINS PARK
PENNSYLVANIA
19117
LOAN TRANSNITTAL OIPARTHINT SPACE AeOVE TillS LrNE FOR RECORDERS USE
NOTE: Aner hAvina baan recorded, Thi. ..dlll..nt allould b. kept
with the Nute and Hortlage hereby a..ianed.
ASSICHHENT OF HORTGACE
POR VALUE RECEIVED, the undeulCned hereby ennea, aaail"' and tunafera to
FEDERAL 1I0llE LOAII HORTCACE CORPORATION
2231 CRYS1'AI. DUIYE, HUITIl: 900
ARLINCTON, VA 22202
aU beneficial internt under thnt certain Hortl.Ce llate.~ FEBRUARY 23RD , 1990, executed
by CREO L. AHDBRSON, KAREN D. ANDenSOH, BLAKE E. AHDEItSOH,IAHD DORIS J. ANDIRSOH, HOUIAlor,
to CIIAC HORTGACE CORPORATION OF PA, HORTGACEE
".
and recordod (nI\e.:." a. , 19'10 IN Oook_oflM>et' 'iloll 01 Hortlo.o on
pae. t).'la... , aa a Docu.ent Nu.ber in the aU ice ot the County Recorder or
CUMBERLAND County, aituated in CARLISLE, PENNSYLVANIA
4103 CLU8110USE OR1VE
HECIIAHICSBUna, PA 17055
TOlether with the note or notea therein deacribed and ..cured thereby, the aon'y due and to
becoa, due thereon, with inure.t, and aU ri&htl accrued under ..aid note and aortaale in
~~:~.:~'~.~~~~:~~~ ::: '_W?7 "".'"'' ,;;>.
8360 Old York Rood ( C-t "-- " J .
ElkIn. Park. PA C. TANH ~
1911' ~TANT VICE, PRESIDENT :;l 'e ~
. ~A.U.v ':..'::'.
SSISTAHT SECRITARY
. ,
STATE OF PENNSYLVANIA
COUNTY OF HOHTCOHERY
'."
",;
On thh 21ST day or HAnCII, 1990, bdon .e. a Noeary Public In and tar aald Mantlaaary
County, perlanall)' allpe.red C. TANH and J. IIAnRIS know" to ., to be the A.daunt Vie.
preaident end A..hunt Secretary known to .e to be thepftic,ra of CHAC HO T:CAOE CORPORATION
OF PA the Corporation that executed the vll:hi" inat9Jilcmt, and aha k n to ae (or proved
to Me on the ball. or uthfactory evidence) toAe the per.on W executed the within
inatrua.nt, an behalf at the Corporation he~'.!P"n.alld, and ackn lid sed to e that .uch
Corporation executed the ..a.. ~ ~
/1-; _ ~./
WITNESS IIY hand and orticial .eal. _ ...-'f,..,
,./
"
, .
'....'..
;, .
___. ._ .~_. no.
,:Orl\l",.\.~f'-L I '
" .. ,\111(.1-,.::.. r"'hlfl'lIlok .. ..:-',.'
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1.1) . O'I",,,,,.:V'III'I ",,~ ,k.I, U. 1'.111 . . I.'....
-...-... .......' .., .---- ........,:\ '
"
'."::a." of Ponntylvanll }
::''llo'lyufCumbarl'nd SS
,; .....,,'.:1 In Iho office InrlM recording of Dood. ..' ",-
.. '~':~h' r 'loc Cumbo,llnd Counly P. . .. ~..:11:':'~1',;;.,. ':
, ~ " ........', -....... '
III _' Vol - D..._.. '.....0 ';":'''''':'~.'\ I'.. '''.''. \" .
. '_"-V--tW-+O ":.t:",..... ..\l .".,' '01 '.
l...ltl...~'t mv h!:nd.~ ..,I of of'tice of ";: ;~~I:y''':' .~~: '~"
C"li.I~. rA this ~ cloy of M;; f' iil <U'.,~.. ',.,. :..,-:;~~:*
.~l!:Z..f!A.,,1 ,~~~-~.;.: '-t~.:. .:I..~ ~.'
RKOrdor 7l \',." r.'J~\.:...
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"( -=, /,. I,. '<j- (" II
ODD.'( 444- fAtWl J 8
'.
.'
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.'
GMAC
Mortgage
, 1862
8360 OLO YORK ROAD' ELKINS PARK, PA 19117.1590
TELEPHONE: (215) 801.1038
. .
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983
PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR
FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS
,
DATE: DECEMBER 03,1993
RE: 4103 CLUBHOUSE DR
HECHANtcsaURG
P A 17055 . PA 17055
TO: BLAICE E AfIDER:iOIC J l( ,
410~ CLUBHOUSE DR
HEclfAtnCSDURG
FROM: OM..C MORTGAGE CORPORTtTION 0 F PA
RE: 21-737012-1
Your mortClaCle Is In serious default because you have failed to pay, promptly, Installments of principal
and Interest, .as recuired, for a period of at least sixty (60) days, The total amount of delinquency
Is $ 4, i'l8 0.1 '1 That sum includes the following:
OCT01,19?3 thru OCT31,19'}3
Late Charges
1l0V01,f993 thru DEC02,1 ~'n
Late Charges
thru
Late Charges
thru
Late Charges
Advances
Accrued Late Charges
NSF Fees
Less Suspense
.Other (
@ $
@ $
@ $
@ $
@ $
@ $
@ $
@ $
TOTAL AMOUNT DUE
1,489.45 $
62.1)6 $
1,500.93 $
62.90$.,
0.00 $
0.00 S
0.00 $
0.00 $
$
$
S
S
)
$
1,439.1,5
62.96
3,001.86
02.96
0.00
0.00
0.00
0.00
0.00
02.90
0.00
0.00
4,680.19 '
You mav be ellCllble for financial assistance that will prevent foreclosure on your mortgage If you comply
with the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Act"). You may be
eligible for emergency temporBly assistance If your default has been caused by circumstances beyond your control,
and if you meet the eligibility requirements of the Act as determined by the Pennsylvania Housing Finance Agency.,
Please read all of this Notlca. It contains an explanation of vour rlClhts.
.
Certified Mail No. P
Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the
date of this Notice. During that tlma you must arrange and attend a "face,to,face" meeting with a representative
of this lender, or with a designated consumer credit counseling agency. The purpose of this meeting Is to attempt
to work out a repayment plan, or to otherwise settle your delinquency. That meetlnCl must occur
In the next thlrtv (30) days.
"(-y J.. k + I) 01
CA91/CS7
.~~~~M_.-_~....~.~~.~ft_....~..~_~ft____~"..nv~~_~n...................~....~......~...
If you attend a lace.to.lace moeling with this londer, or. with a consumor credit counseling agency Identified
with this notice, no lurther proceeding In mortgago foreclosure may take place for thlrlY (30) days after the dato
01 that meeting,
Tho name, address, and telophone numbor of our reprosontative appears on the letterhead of this notice,
The names and addresses of deslgnal~d consumer crodll counseling agonclos are onclosod with lhis notice.
It Is only necessary to schedule one face. to. face moetlng. You should advise this lender Immediately 01
your Inlentions. '
If you have tried end ere unable to rosolvo this problom at or after your face.to.lace moeting, you have the right to
apply for financial assistance from the Homeowner Emergency Asslstanco Fund. In ordor to do this, you must fill
out, sign and file a completed Homoowners' Emergency Assistance Application with one of the designated
consumer credit counseling agencies, An application for assistance may only bo obtained from a consumer credit
counseling agency. The consumer credit counseling agency will assist you in filling out your application and will
submit your completed appllcallon to the Pennsylvania Housing Fihance Agency. Your appllcatton must be flied
or postma(~ed. within thlrtv (30\ davs of your face,to,face meetlnq,
You must either mall your application to the Pennsylvania Housing Finance Agency or must file it at the office of
one of the designated consumer credit counseling agencies on the attached list
.,. .
. ~ ' .
THE PENNSYLVANIA HOUSING FINANCE AGENCY Is located at:
2101 North Front Street
P.O. Box 8029
Harrisburg, PA 17105
Telephone Number: (717) 780.3800 or toll free 1.800,342.2397
.,.
It Is extremelv Important that you file your application promptlv. If YOU do not do so. or II YOU do not follow
the other time periods set forth In this letter, foreclosure mav proceed aqalnst your home Immediate Iv and
YOU will fortelt YOUr ellqlbllltv for assistance.
Avaltable lunds lor emergency mortgage asslslance are very limited. They will be disbursed by the Agency under
the eligibility criteria' established by the Act .
It Is extreme Iv Important that YOUr application Is accurate and complete In eve tV respect. The Pennsylvania
Housing Finance Agency has sixty (60) days to make a decision after It receives your application, During that
additional time, no foreclosure proceedings will be pursued against you if you have met the time requirements set
forth above, You will be notified directiy by that Agency of its decision on your application.
In addition, you will receive another notice from this lender under Act 6 of 1974, That notice Is called a "Notice of
Intention to Foreclose", You must read both notices, since lhey bolh explain rights that you now have under
Pennsylvania law, However, if you choose to exercise your rights described In this notice. we cannot foreclose
upon you during that time, Also, If you receive financial assistance from the Pennsylvania Housing Flmince Agency,
your home cannot be foreclosed upon while you are receiving that assistance.
'.
very truly yours,
GMAC
Mortgage
.
....
_ ~ "J'r
....I(.f.......:. '0"':: ,.,0 .......
~L~~.,-!..; ~~~:.:.;l. ~ I,.
.' '
, 1862
GMAC
Mortgage
8380 OLD YORK ROAD. ELKINS PARK, PA 19117-1590
TELEPHONE: (215) 881.1838
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983
PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR
FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS
DATE: .DECE'IaEil 03,1993
TO: DORIS J ANDERSON
4103 CLUBHOUSE DR
MEC HAIIICSBURG
RE: 4103 CLUBHOUSE DR
I1ECH AlIICSBURG
P A 17055 _ PA 17U55
FROM: GHAC /10RTGAGE CORPORATION OF PA
R~ ~1-737012-'
Your mortQ8Qe Is In serious default because you have failed to pay, promptly, Installments of principal
and Interest, as required, for a period of at least sixty (60) days. The total amount of dallnquency
Is $ 1,,680.19 That sum Includes the following:
CCT01,1993 thru OCTJ1,19H @ $ 1,489.45$ 1,489.45
Late Char8es @ $ 62.96 $ 62.96,
flOV01, 1 993 thru DE C 2,199 J @ $ 1,500.93$ 3,001.96
Late Charges @ $ 62.96 $ 62.96
thru @ $ 0.00 $ 0.00
Late Charges @ $ 0.00 $ 0.00
thru @ $ 0.00 $ 0.00
Late Charges @ $ 0.00 $ 0.00
Advances $ 0.00
Accrued Late Charges $ 62.96
NSF Fees $ 0.00
Less Suspense $ 0.00
.Other ( ) .
TOTAL AMOUNT DUE $ 4,680~19 .
You mav be ellQlble for financial assistance that will arevent foreclosure on your mortgage If you comply
with the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Act"). You may be
eligible for emergency temporary assistance If your default has been caused by circumstances beyond your control,
and If you meet .the eligibility requirements of the Act as determined by the Pennsylvania Housing Anance Agency.
Please read all of this Notice. It contains an exalanatlon of YOUr rlQhls.
.
. .
Certified Mall No, P
Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the
date of this Notice. During that time you must arrange and attend a "face.to,face" maetlng with a representative
of this lender, or with a designated consumer credit counseling agency. The purpose of this meeting Is to attempt
to work out a repayment plan, or to otherwise settle your delinquency. That meetlnq must occur
In the next thlrtv (30\ davs.
CA9UCST
,..
.-
.,
, ..
,
If you allend a face.to.face meeting wilh this lender, or wilh a consumer credit counseling agency idenlilied
with lhis notice, no further proceeding in mortgage foreclosure may take place for thirty (30) days after the date
of that meeting.
The name, address, and telephone number of our representative appears on the lellerhead of lhis notice.
The names and addresses of designated consumer credit counseling agencies are enclosed with this notice,
It Is only necessary to schedule one face. to. face meeting. You should advise this lender Immediately 01
your Intentions, .
;. :.:. ,....
If you have tried and are unable to resolve this problem al or alter your face. to. face meeting, you have the right to
apply for financial assistance from the Homeowner Emergency Assistance Fund, In order to do this, you must fill
out, sign and file a completed Homeowners' Emergency Assistance Application with one of the designated
consumer credit counsetlng agencies. An application for assistance may only be obtained from a consumer credit
counseling agency. The consumer credit counseling agency will assist you in filling out your application and will
submit your completed application to the Pennsylvania Housing Finance Agency. Your appllcallon must be lIIed
or postmarked, within thirty (3D) davs of your face,to,face meetlnq.
You must either mali your application to the Pennsylvania Housing Finance Agency or must file It at the office of
one 01 the designated consumer credit counseling agencies on the allached list. '
THE PENNSYLVANIA HOUSING FINANCE AGENCY Is located at:
2101 North Front Street
P.O. Box 8029
Harrisburg, PA 17105
.. Telephone Number: (717) 780,3800 or toll free 1.800.342.2397
It Is extremelv Important that you lIIe your application promptly. If you do not do so, or If YOU do not follow
the other time periods set forth In this letter, foreclosure may proceed aqalnst your home Immedlatelv and
yOU will forfeit your etlqlblllty for assistance.
Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under
the eligibility criteria' established by the Act.
"
It Is extremely Important that vour application Is accurate and complete In every respect. The Pennsylvania
Housing Finance Agency has sixty (60) 'days to make a decision alter it receives your application. During that
additional time, no foreclosure proceedings will be pursued against you if you have met the time requirements set
forth above. You will be notified directly by that Agency of its decision on your application.
In addition, you will receive another notice from this lender under Act 6 of 1974, That notice Is called a "Notice of
Intention to Foreclose". You must read bolh nolices. since they both explain rights that you now have under
Pennsylvania law, However, if you choose to exercise your rights described in this notice, we canpot foreclose
upon you during thai time. Also, if you receive financial assistance from the Pennsylvania Housing Finance Agency,
your home cannot be foreclosed upon while you are receiving that assistance.
verx truly tours,
GMAC
Mortgage
.
, ,
'1-"
'''1;, .
'I.
.... "' ..'. ..~'. ';:'.:1...:'::
1062
.
GMAC
Mortgage
8360 OLD YORK ROAD' ELKINS PARK, PA 19117.1590
TELEPHONE: (215) 881,1838
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983
PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR
FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS
DATE: DECEMBER 03,1993
TO: GREG L AlIOERsotl
~10S' CLuaHOUSE OR
\iECHANICS9URG
aE: 4103 CLUBHouse DR
HECHANIC SIlURG
I'll 17055 _ Pit 17055
FROM: GMAC MORTGAGE CORPORATION OF PA
RE: 21-737012-1
Your mortQalle Is In serious default because you have lailed to pay, promptly, Installments 01 principal
and interest, as required, lor a period of at least sixty (60) days, The total amount 01 delinquency
Is $ 4,680.1 Q That sum Includes the following:
OCT01,1993 ~ru OCT31,1993 @ $ 1,489.45 $ 1,489.45
Late Char~es @ $ 62.96 $ 62.96
Nov01,1913 ~ru OEC 2,1993 @ $ 1,500.93 $ 3,001.86
Late Charges @ $ 62.96 $ 62.96
thru @ $ 0.00 $ 0.00
Late Charges @ $ 0.00 $ 0.00
~ru @ $ 0.00 $ 0.00
Late Charges @ $ 0.00 $ 0.00
Advances $ 0.00
Accrued Late Charges $ b2.9o
NSF Fees $ 0.00
Less Suspense $ 0.00
'Other ( )
TOTAL AMOUNT DUE $ 4,680.1<1 .
You mav be elllllble for flnanclal assistance that wlll Drevent foreclosure on your mortgage II you comply'
with the provisions of ~e Homeowners' Emergency Mortgage Assistance Act 01 1983 (the "Act"). You may be
eligible for emergency temporary assistance if your default has been caused by circumstances beyond your control,
and If you meet the eligibility requirements 01 the Act as determined by the Pennsylvania Housing Finance Agency.
.. ' Please read all of this Notice. It contains an explanation 01 vour rlQhts.
.
Certified Mall No, P
Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage lor thirty (30) days Irom the
date of this Notice. During that time you must arrange and attend a "face-to-Iace" meeting with a representative
of this lender, or with a designated consumer credit counseling agency. The purpose 01 this meeting Is to attempt
to work out a repayment plan, or to otherwise seltle your delinquency. That meetlnQ must occur
In the next thlrtv 1301 davs.
CA91/t57
f.'
II you atlend a face-lo-face meeting with this londor, or wllh a consumer credit counseling agency Identified
wllh this notice, no further proceeding In mortgago foreclosuro may take place for lhlrty (30) days after the dale
of that meeting,
The name, address, and telephone number of our represenlative appears on lho letlerhead of Ihls nollce.
The names and eddresses of designated consumer crodit counseling agencies are enclosed wilh this nollce,
It Is only necessary to scheduleo,ne. .face-to.face meeting, You should advise this lender Immediately of
your Intentions, ' , '.
, '.
II you have tried and are unable to resolve this problem at or after your face-to. face meeting, you have lhe right to
apply for financial assistance from the Homeowner Emergency Assistance Fund, In order to do this, you must fill
out, sign and file a compleled Homeowners' Emergency Assistance Applicallon with one of the designated
consumer credil counseling agencies, An application for assistance may only be obtained from a consumer credit
counseling agency. The consumer credit counseling agency will assist you In filling out your application and will
submit your completed application to the Pennsylvania Housing Finance Agency, Your application must be flied
or postmarked. within thlrtv f301 days of vour face.to.face meetlnQ.
You must either mall your appllcallon to lhe Pennsylvania Housing Finance Agency or musl file II at the olfice of
one of the designated consumer credit counseling agencies on the atlached list.
THE PENNSYLVANIA HOUSING FINANCE AGENCY Is located at:
2101 North Front Street
P.O. Box 8029
,. Harrisburg, PA 17105
Telephone Number: (717) 780,3800 or toll free 1.800,342-2397
..
It Is extremely Important that vou file your application promptlv. II yOU do not do so. or If vou do not fotlow
the other time periods set forth In this letter. foreclosure mav proceed aqalnst your home Immedlatelv and
yOU '1111I forfolt your etlqlbllltv for assistance.
Available funds for emergency mortgage assistance are very Iimiled. They will be disbursed by the Agency under
the ellglb111ty criteria established by the Act.
It la extremelv Important that your application Is accurate and complete In every respect. The Pennsylvania
Housing Finance Agency has sixty (60) days to make a decision after il receives your application, During that
additional time. no foreclosure proceedings will be pursued against you If you have met the time requirements sel
forth above, You will be notified directly by that Agency of its decision on your application.
In addition. you will receive another notice from this lender under Act 6 of 1974. That notice Is called a "Notice of
Intention to Foreclose", You must read both notices, since they bolh explain rights that you now have under
Pennsylvania law. However, If you choose to exercise your rights described In lhis notice. we cannot foreclose
upon you during thai time, Also, If you receive financial assistance from lhe Pennsylvania Housing Fimince Agency.
your home cannot be foreclosed upon while you are receiving thai assiSlanC!!.
...J
Very truly yours,
GMAC
Moflgoge
.
.. '
~. .. .~,
:',
, '
.. .". .,,":.. ~ ~. .'..' . '.
, 1862
GMAC
Mortgage
8360 OLD YORK ROAD' ELKINS PARK. PA 19117.1590
TELEPHONE: (215) 881.1838
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983
PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR
FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS
DATE: DEeEIIBen 03,1993
TO: KAReN D 'ANDERSON
410f CLUUHOUSE DR
I-IEC HANI CSDUR~
RE: 4103 CLUBHOUSE DR
MEtH ANIe SBURG
PA 17055 _ PA 17055
';f'
FROM: GMAC MORTGAGE CORPORATION OF PA
RE: 21-737012-1
Your morlQaQe Is In serious default because you have failed to pay, promptly, Installments of principal
and interest, as required, for a period. of at least sixty (60) days. The total amount of delinquency
is $ 4,oilO.19 That sum includes the following:
OCT01~1993 ~N OCT31,1993 @ $ 1,489.45 $ 1,489.45
Late Charges' @ $ 62.96 $ 62.96
J.:OV01,1993 thru DEe02,1993 @ $ 1,500.93 $ 3,001.86
Late Charges @ $ 62.96 $ 62.96
thru @ $ 0.00 $ 0.00
Late Charges @ $ 0.00 $ 0.00
thru @ $ 0.00 $ 0.00
Late Charges @ $ 0.00 $ 0.00
Advances $ 0.00
Accrued Lale Charges $ 62.96
NSF Fees $ 0.00
Less Suspense $ 0.00
.Other ( )
TOTAL AMOUNT DUE $ 4,~80.19 '
You mav be ellQlble for flnanclal asslstancD that will prevent foreclosure on your mortgage If you comply
with the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (~e "Act"). You may be
eligible for emergency temporary assistance if your default has been caused by circumstances beyond your control,
and if you meet the eligibility requirements of the Act as determined by the Pennsylvania Housing Finance Agency.
Please read all of this Notice. It contains an explanation of vour rlQhts.
.
Certified Mail No. P
Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the
date of this Notice, During that tima you must arrange and attend a "face, to. face" meeting with a representative
of this lender, or with a designated consumer credit counseling agency, The purpose of this meeting Is to attempt
to work out a repayment plan, or to otherwise settle your delinquency. That meetlnQ must occur
In the nextthlrtv 1301 davs.
CA9uc51
'./.
II you aUend a face.to.lace meeting with this lender, or with a consumer credit counseling agency Identllied
with this notice, no further proceeding In mortgage foreclosure may take place for thirty (30) days after the date
of that meeting,
The name, address, and telephone number of our representative appears on the leUerhead of this notice.
The names and addresses o! designated consumer credit counseling agencies are enclosed with this notice.
It Is only necessary to schedule one face.to.face meeting, You should advise this lender Immedialely 01
your Intentions,
,.
II you have tried and are unable to resolve this problem at or after your face.to.face meeting, you have the right to
apply for financial assistance from the Homeowner Emergency Assistance Fund, In order to do this, you must fill
out, sign and file a completed Homeowners' Emergency Assistance Application with one of the designated
consumer credit counseling agencies, An application for assistance may only be obtained from a consumer credit
counseling agency, The consumer credit counseling agency will assist you In filling out your application and will
submit your completed application to the Pennsylvania Housing Frnance Agency. Your application must be flied
or postmarked. within thlrtv f301 days of your face,to,face meetlnq.
You must either mall your application to the Pennsylvania Housing Finance Agency or must file It at the office of
one of the designated consumer credit counseling agencies on the aUached list.
....
THE PENNSYLVANIA HOUSING FINANCE AGENCY Is located at:
2101 North Front Street
P.O. Box 8029
,,:.,. .. Harrisburg, PA 17105
: Telephone Number: (717) 780.3800 or toll free 1,800.342-2397
It Is extremelY Important that vou file YOUr application prompllv. If you do not do so, or If vou do not follow
the other time periods set forth In this teller, foreclosure may proceed aqalnst YOUr home Immediately and
YOU wlllforlelt your ellqlbllltv for assistance.
Available funds for emergency mortgage assistance are very limited, They will be disbursed by the Agency under
the eligibility criteria established by the Act.
It Is extremely Important that YOUr application Is accurate and complete In every respect. The Pennsylvania
Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that
additional time, no foreclosure proceedings will be pursued against you if you have met the time requirements sel
forth above, You will be notified directly by that Agency of its decision on your application,
In addition, you will reco;iv~ another notice lrom Ihis lender under Act 6 of 1974, That notice Is called a "Notice of
Intention to Foreclose". You must read both notices, since they both explain rights that you now have under
Pennsylvania law. Howe'/er, if you choose to exercise your rights described In this notice, we cannot foreclose
upon you during that time. Also, if you receive financial assistance from the Pennsylvania Housing Finance Agency.
your home cannot be foreclosed upon while you are receiving that assistance.
Very..~ruly yours.. .'
GMAC
Mortgage
.
. .
. . I.
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tvlorlgage
.
...
. 'DATE" DECEMBER 03,1993.
,CERTiFIED MAIL NO,: p.3J.IA .E9t> ,310'1
I
I
I
i
NOTICE OF INTENTION TO FORECLOSE AND ACCELERATE LOAN BALANCE
21-737012-1
410J CLUaHOUSE DR
HECHANICSaURG
PA 17055
.
RE: MortQaQc Loan Numbcr:
Mortgagcd Premiscs:
TO' Dli\IC~'" . E AIlDERSON JR
. 4103 'CLUBHOaSE DR'
~eCHA~ICSBURGPA 17055
'" ..., I.... 1'.1 "
. . ....,.. !,", -, .~ :..
This company is tho holder of the FIRST 1\-IORTGAGE (AND NOTE) on the above premises, or is
the mortgage service agent for such holdcr. (Hereinaftcr reft:Trcd to as wc, us or ours).
As. of IIIe (Iale of IMs 1I0lice, THE MORTGAGE IS IN SERIOUS DEFAULT becallse YOII IIm'e 1101
ma(fe IIIe /liolllMy paymellls as lisled; amllor for otllerll'asol/S as illdicated below:.. . J
o C!.il1., 1 993 thru
LATE~Gf.~93
,. '. thru
LATE CHARGES " , .,
'. ,;':' :' thru
LATE CHARGES
OC131,1993
@ $ 1,489.45 $
. '62.96
@ ~ ';SOO~93 ~
@ $ . ...6.2.96 $
@. "'!1l.00 .
@ $ ,.,. '0 '0" S
@ $ :-:. u S
@ S '. ~ 0.00 $
@ $ " 0.00 $
5
S
S
$
)
$
DEC02,1993
thru
LATE CHARGES
ADVANCES
ACCRUED LATE CHARGES
NSF FEES . . .
LESS SUSPENSE
.OTHER (
Tile lolal amollnt 1I01Y reqllired 10 cllre IMs defallll, or ill OIlier
words, gel callglllllp ill YOllr paymelll as of IIIe (late of IMs lel/er, is
, '
1,4119.45
62.96
3;001.86
62.96
0.00
0.00
0.00
0.00
0.00
62.96
0.00
0.00
4,660.19
YOII may cllre IIIis defalllllVilllill THIRlY (30) DAYS of IIIe date of IIIis lellel; by payillg 10 liS IIIe above
amollnl, 'pIllS any addiliollalmontllly paymellls alld lale cllarge II'IIicll may fall dlle dllrillg 11Iis period.
Such payment must be made either by cash, cashier's check, certified check or money order, and
made aI, or sent to: 8360 Old York Road, Elkins Pnrl\, PA 19117.1590.
If you do not cure the default within THIRlY (30) DAYS, we illlelld 10 exercise aliI' riglllto accelerale 11Ie
m0l1gage paymellls. 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 THIRlY (30) DAYS, we also
iII/cud 10 illSlnlCI aliI' allome)'s 10 stan a lall'sllil to foreclose )'0111' man gaged properly. If 11Ie mongage is
foreclosed YOllr mongaged propert)' will be sold by IlIe SlIeriff 10 pay off IlIe mOrlgage debl. If we refer
your case to our attorneys, but you cure the default before they begin legal proceedings against you,
you will still have to pay the reasonable attorney's fees, actually incurred, up to 550.00.
However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees
evcn if lhey are over S50.00. Any attorney's fees will be added to whatever you owe us, which may also
include our reasonable costs, If )'OU cllre Ihe defaull lI'illlill Ihe Ihirty day peliod, )'OU will nol be reqllired
10 pay a"ome)'s fees,
_ _ II
Gtl~1\*Je ~'7 F I~ -:, " ;- < /,. J, -I- /.-
.~..GG~~...G.................a............~.a..a..a..~'.'.~".~'."...".,",...,"
-
, .
.
.
We may ulso sue you personally for the unpaid principal bahll1ce and all other sums due under the
mortgage. If you have not cured the default withll1 the thirty day period and foreclosure proceeding.~
have bej;un. )'011 .flill IIm'e! IIIl! liglll 10 cllre! IIIe! (h'fllllll 111/11 P'I:\'('III IIIe! ,m/e! III (lilY lillle! lip 10 olle
lIu"r be!JiJre. Ille SIIetiD"s fUII:c/OSIII1! slIle. }'UII /1/(1)' do so by plI)'illg IIIe /011111111I01111I of IIIe IIl/pllid
mUll/hi)' pllYlllelll.! pillS elll)' laIC or ollle!r clllll}:e!.! IIIell dlle!. lIS Il'dl mille Im.!OI/II!J/e! 1I1/001/(Y's fee!s
al/Cl cusls COl/llecleel lVilll IlIe furec/o.!lIre SIIIe! (III/CI pe!lfoml tIIlY oIlIer IWllli/'c!ll/el//.f /ll/d{'/' IIIl!
/l/Or/gllge!). It is estimatcd that the carliest date that such a Shcritrs sale could be hcld would be
approximately one-hundred and firty (150) days from the date of this lelter. ^ notice of thc date
of the Sheriffs sale will be scnt 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 requircd
paymcnt will be by calling us at the following number: 215.881.1838. This payment must be in cash,
cashiers chcck, certified check or money order and made payable to us at thc address previously stated.
You should realize that a Sheriffs sale will end your ownership of the mortgaged property and your
right to remain in it. If you continue to live in the property after the Sheriffs sale, a lawsuit could be
started to cvict you.
You have additional rights to I;'clp protect your intcrest in the propcrty. YOU HAVE TIlE IUGlIT TO
SELL TIlE PROI'EIUY TO OBTAIN MONEY TO PAY OW TIlE MORTGAGE DEBT, OR TO .
BORROW MONEY FROM At'lOllIER LENDING INSTITUTION TO PAY OFF nus DEBT. YOU
MAY HAVE THE IUGlITTO SELL OR TRANSFER TIlE PROPERTI' SUB,JECfTO THE MORT-
GAGE TO A BUYER OR TRANSFEREE WIIO WILL ASSUME THE MORTGAGE'DEBT,PROVID-
ED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES Al....D ATIORNEY'S FEES AND
COSTS ARE PAID PRIOR TO OR AT THE SALE, (AND THAT TIlE OlllER REQUIREMENTS
UNDER TIlE MORTGAGE ARE SATISFIED). CONli\Cr US TO DETERMINE UNDER WHAT
CIRCUMSTANCES TIlE RIGIH MIGHT EXISr. YOU IJ,\VE TilE RIGHT TO HAVE THIS
DEFAULT CURED BY ANY THIRD I'ARTI' ACfING ON YOUR BEHALF.
/f)'oll cllre IIIe defallll, tile mortgllgc will be re!slo/'c!l1 to IIIe slime! pOSiliol/lIs if I/O de!falllt lIad occlln'ed. .
However, you are not entitled to this right to cure your default morc than three times in any calendar
year. .
BY:
GMAC
Morlgoge (
,!
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.'
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. " DATE' OEt EHal! R ,03,1993
.. : CERTiFIED MAIL NO,: P .31/), .310 870
"
NOTICE OF INTENTION TO FORECLOSE AND ACCELERATE LOAN BALANCE
21-737012-1
1,103 CL.UaIlOUSE DR
HECHAf/ICSllURG
PA 11055
RE: Mortgage Loan Number:
Mortgaged Premises:
O. GREG ' L' AtHlERSOH
T . 410J CL1I6HOUS'E DR
MEC~AUICSOURG PA 11055
, ,
This company is the holder of the FIRST ~IORTGAGE (AND NOTE) on the above premises, or is
the mortgage selVice agent for such holder. (Hereinafter rcfeped to as we, us or ours). '
As of Ihe dale of lhis 1I0lice, THE MORTGAGE IS IN SERIOUS DEFAULT becallse YOII have 1101
made IIIe mOlllf/lypaYlIlellls as lisled: amI/or for olher reasolls as illdiealed belolV,'.'
. . .
OCT01,19~3 thru oCr31,19C?3
LATE rr6l~gr~93 thr'u OEC02,1993
LATE CHARGES "
. , . ,thru
"
LATE CHARGES
thru
@ $ 1,489.45 $
@ $ . ',' '62..96 $
@ '$ ,',500.93 $
, 6'2.96
,@$, 0 ';' 000 $
@. $ '," . $
@ $. :~. 0.00 $:'
@ $ 0.00 $ '.
@ $ 0.00 $
$
$
$
$
)
$
LATE CHARGES
ADVANCES
ACCRUED LATE CHARGES
NSF FEES
LESS SUSPENSE
.OTHER (
The lotal amOll1l/ nolV reqlliredlo cllre lhis defallll, or in other
1V0rds, gel callghlllp in YOllr paymenl as of II/e dale of lhis lelle/~ is
". ;:',
11489.45
., 62.96
3;001.86
62.96
. ,,',' 0.00'
, ,': 0.00
0.00
0.00
0.00
62.96
0.00
0.00
4,680.19
YOII may cllre II/is deft/llltwithill THIR1Y (30) DAYS of the dme of this lelle/; by payillg 10 liS Ihe abol'e
amollnl, pIllS any addilionalmonlhly paymellls alld lale charge which may fall dlle dllrillg Ihis period.
Such payment must bi: made either by cash, cashier's check, certificd check or money order, and
m:lde :It, or sent to: 8360 Old York Roml, Elkins Park, PA 19117-1590.
If you do not cure .the default within THIR1Y (30) DAYS. we ill/elld 10 exercise ollrrigllllo accelemle Ihe
mO/1gage paymell/s. This means that whatever is owing on the original amount borrowed will be
considered due immediately and you may losc the chance to payoff the original mortgage in monthly
installments. If full payment of the amount of default is not made within THIR1Y (30) DAYS. we also
illtelld 10 illslmcl 0111' aIlO/7/!!)'s 10 sta/1 a 1t/IVSllil 10 foreclose YOllr mO/1gaged property. If the mortgage is
foreclosed YOllr mO/1gaged property will be sold by Ihe Shedff 10 pay off the morlgage debl, If we refer
your case to our attorneys, but you cure the dcfault before thcy begin legal proceedings against you,
you will still .have to pay the reasonablc attorney's fces, actually incurred, up to $50,00.
However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees
evcn 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 YOII cllre Ihe defallll lVilhin Ihe Ihirty day pc/iocl, yoll lViII nol be reqllired
10 pay aIlO/7/~"S fees.
",'~'T'1."jt~~1 FlS"~1
. ,. ..
.
.
We may also sue' you personally for the unpaid principal halance and all other sums due under the
mortgage..If YQu have,not cured the default within the thirty day period and foreclosure proceeding.~
have be~un, YOII slill Irm'e IIIe! riglll /rJ cure! lire /Ililllrll allll pl'CI'elll III~ sail' al 1/1/,1' lill/e! "I' 10 Ol/e!
IrOIlI' before lire SlredD's fOI'Cc/osllre sale. )'IJ// II/a.r do so by payil/g lire Iolal rIIl/olIlII of IIIe III/paid
II/ollllrly paY/IIellls pIllS /1//1' Illle 01' 0111e!1' c/trIrgl's 111e!1I dlle!, as lI'e!/I IIJ IIIe! I'easol/able a/l()nll')':~ fe!e!s
ami cosls cOl/llecled lVilk lire foreclosure! saie! (alld pelf arm /1//)' ollrl'l' reql/ire!/I1l'lIIs lII/de!1' lire!
mOl'lgalle). It is estimated that the earliest date tlmt such a Sheriffs sale could be held would be
approximately one-hundred '.\nd firty (150) days from the date of this leller. A notice of the date
of the Sherifrs sale will be sent to you hefore the sale. Of course, the amount needed to cure the
default will increase the longer you wait. You nmy find out at any time exactly wlmt the required
payment will be by calling us at the following number: 215.8111-1838. This payment must be in cash,
cashiers check, certified check or money order and made payable to us at the address previously stated.
1
You should realize that a Sherifrs sale will end your ownership of the mortgaged property and your
right to remain in it. If you continue to live in the property af~er the Sherifrs sale, a lawsuit could be
started to evict you.
You have additionai rights to help protect y~ur interest in the propcriy. YOU HAVE THE RIGHT TO
SELL THE PROPERTI'TO OBTAIN MONEY TO PAY OFF TIlE MORTGAGE DE81; OR TO
BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU
MAY I-IAVE TIlE RIGHT TO SELL OR TRANSFER TilE I'ROI'ERTI' SUB,JECf TO THE MORT-
GAGE TO A BUYER OR TRANSFEREE WHOWILL ASSUME THE l\IORTGAGE'DEBT, PROVlD.
ED TIIAT ALL THE OUTSTANDING l'AYi\IENTS, CHARGES AND ATroRNE\"S FEES AND
COSTS ARE PAID PRIOR TO OR AT THE SAI.E, (AND THAT THE OTIIER REQUIREMENTS
UNDER THE MORTGAGE ARE SATISFIED). COi\'TACf US TO DETERMINE UNDER WHAT
CIRCUMSTANCES THE R1GIIT MIGHT EXI~". YOU HAVE THE IUGIH TO I-L\VE THIS
DEFAULT CURED BY M'Y THIRD 1>A1UY ACfING ON YOUR BEHALF.
l/yolI cure lire de/aui/, IIIe! morlgage Il'ill be l'e!slOl'e!d 10 IIIe! same posiliol/ as if I/O defauillwci occun'ed.
However,you are not entitled to this right to cure your default more than three times in any calendar
year. _, , ..
BY:
..GMAC
Mortgoge
a~, l (t'A~
COLLEcrIO~
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G'MAC
Mortgage .
CHARLES G KYRTETUS
1862
'DATE: OEC EHBER 03,1993
CERTIFIED MAIL NO.:" :p,
NOTICE OF INTENTION TO FORECLOSE AND ACCELERATE LOAN BALANCE
21-737012-1 ' .
4103 CLUBHOUSE OR
HECHANICSBURG'
PA 17055
RE: Mortgage,Loan Number:
Mortgaged Premises:
~onI3 J ANOERSOU
TO: 4103 CLUBHOUSe DR
MECHANIcSnURG PA 17055
This companv is the holder of the FIRST l\IORTGAGE (AND NOTE) on the above premises, or is
the mortgage service agent for such holder. (Hereinafter referred to as we, us or ours).
As of lire elllte of lhis /lolice, THE MORTGAGE IS IN SERIOUS DEFAULT because youlrlll'e /lot
mllde lire mOlllf,iy paymellls as lisled; 1I/1r1lor for alireI' IY!IIS0/lS as i/ldicaled ~elolY:.' ,.:'.
OCT01,19Q3 thru OcT31,1993 @ S ',489.~5 S 1,489.45
@ $ 62.96 $ 62.96
@ $ 1,500.93 $ 3,001.86'
@ $ 62.96, $ 62.96 .
@ S 0.00 S 0.00'
@ S 0.00 S '0.00
@ S 0.00 S 0.00
@ S O.CO S 0.00
S a.oo
$ 62.96.
$ 0.00
S 0.00
)
s
LATE ~1Jbl\9f~93
LATE CHARGES
thru OEC02,1993
thru
LATE CHARGES
thru
LATE CHARGES
ADVANCES
ACCRUED LATE CHARGES
NSF FEES
LESS SUSPENSE ,
'OTHER (
Tire IOlal m/lo/IIII/101Y required 10 cure lhis defclllll, or i/l oll/el'
Imrrls, gel clluglrt up i/l )'0111' paY/llelll CIS of lire rime of lhis lellel; is
4,680.19
You /IIay cure Ilris defau/lll'ill/i/l THIRTY (30) DAYS of 11r/! rime of Ilris leller, by paying 10 us II/e above
amoulII, pIlls a/l)' adrliliolllrl /IIO/lllrl)' IIIIYlllellls_ amllClte clrllrge II'hiclr may filII rlue rluring Ilris petiod.
Such payment mu~t be made either by cash, cashier's check, cerlified check or money order, and
made at, or sent to: 8360 Old York Road, Elkins PlIrk, PA 19117.1590.
If you do not cure the default within THIRTY (30) DAYS, lI'e illlend 10 erercise ourtiglrllo accelerale lire
mongllge pC/)'/II/!IIIS. 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 pa)'ment of the amount of default is not made within THIRTY (30) DAYS, lYe also
i/ll/!/ld 10 i/lSlIltCI 01/1' aIlO/71/!)'s 10 stel/1 a lall'slIillO fOlY!c/ose your /IIongag/!d properly. If II/e I/Iorlgage is
for/!cloS/!(1 YOllr /ll0I1gllg/!rI profl/!rly Il'iIIl>/! solrlllY lire SIr/!tijJ 10 pay ojJ lire /IIongage debl, If we refer
your case to our nttorneys, but you cure the default before they begin legal proceedings against you,
you will still have to pay the reasonnble attorney's fees, actually incurred, up to $50.00.
However, if legnl proceeding.~ are slnrted ngninst you, you will have to pay Ihe reasonable attorney's fees
cvcn if they arc over 550.00. Any attorney's fees will be ndded to whatever you owe us, which may also
include our reasonable costs. Ifymt C/tlY! III(! defclu/l lI'ilhiu lire IlrilT)' dC/)' pctiocl, you lI'illllol be required
III pay allol7ley s fees,
,,'._. ~'t-,_;"_:_-, ;-.
~ll"",l
.
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..
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'.: . /10.
.
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We may also sue you personally, for the unpaid principal bahlnce and all other sums due under the
mortgage. H you have not cured the gefault witllln the thirty day period and foreclosure proceedings
have be~un, )'011 sliII hlll'l! Ihe liglll 10 ellre 11u: defcl//II IIlId prel 'CIII 11u: slIle III (111)' lilllC "l' 10 ol/e
hOllr beJore Ihe SIU:lifTs forec!osllre sale. YOII 11I(1)' do so b)' paJ'ill~ Ihe lolal alllOll1ll of Ihe III/paid
lIIolllh6' paYlllt'lIIS pIllS 111I)' IlI/e or OIIu:r chllrges Ihel/ d,,,', l1.I Ire/IllS Ihe rellsolw/J/e rIllOI7l""S fces
amI coSls cOl/llecled 1I';lh Ihe forec!osllre sale (IIml pelforlll 111I)' ollu:r reqllirelllellls III/del' Ihe
1II0ngllile). It is estimated that the earliest date th'at such a Sheriffs sale could be held would bc
apprmamately one-hundred and fifty (150) days from the date of this teller. A notice of the datc
of the Sheriffs sale will be sent to you before the sale. Of course, the amount needed to cure thc
default will increase the longer you wait. You may find out at any timc exactly what the required
payment will be by calling us at the following numher: 215.881.1838. This payment must be in cash,
cashiers check. certified check or money order and nmde payable to us at the address previously stated.
You should realize that a Sheriffs sale will end your ownership of the mortgaged property and your
right to remain in it. If you continue to live in the property after the Sheriffs sale, a lawsuit could bc
started to evict you.
You have additional rights to help protect your interest in the property. YOU HAVE THE RIGIn' TO
SELL THE PROPERlY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO
BORROW MONEY FROM AN01l1ER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU
!\IAY HAVE THE RIGIn' TO SELL OR TRANSFER THE PROPERlY SUBJECr TO THE MORT-
GAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVID-
ED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATIORNEY'S FEES AND
COSTS ARE PAID PRIOR TO OR AT THE SALE, (AND THAT THE OTHER REQUIREMEl\'TS
li1'\DER THE MORTGAGE ARE SATISFIED). COl\'TACT US TO DETERMINE UNDER WHAT
CIRCUl\I~TANCES THE RIGHT MIGHT EXISr. YOU HAVE THE RIGIIT TO HAVE THIS
DEFAULT CURED BY ANY THIRD PARlY ACfING ON YOUR BEHALF.
~rYOII cllre IIII! defallll, IIII! mongage will be res/oredlo Ihe Sllll/e POSilioll as if 110 defalllllwd occllrred.
However,you are not entitled to this right to cure your de f:1U It more than three times in any calendar
year.
GMAC
Morlgoge
BY:
COLLECTIOS MANAGER
. or'
'. ','
.' ,
GMAC
Mortg.~~g!
I~CI(
.
DATE: ' .DEC EMOE R OJ,1993
CERTIFIED MAIL NO,: P
NOTICE OF INTENTION TO FORECLOSE AND ACCELERATE LOAN BALANCE
21-737012-1
4103 CLUiJHOUSE DR
HtiCHAllICSBURG
PA 17055
, .
RE: Mortl!al!e Loan Number:
Mortgaged Premises:
,
TO' KAREN 0 ANDERSON
. 41'03 (LLJaHOLJSE DR
MECHANICSDURGPA '170S~
This company is the holder of the FIRST ~IORTGAGE (AND NOTE) on the above premises, or is
. the mortgage service agent for such holder. (Hereinafter refeJred to as we, us or ours).
As :t tI,e date % this 1I0tice, THE MORTGAGE IS IN SERIOUS DEFAULT becallse )'OU IIave not
ma e tile 1II0iitlly paymellls as listed; amI/or for other /'CIISOIIS as illdicated below,'.. "
OC101;'199J thru OCT31,1993 @ $ 1,489. U $ 1,489.45
LATE~~<Jt~9J @ $ . '62.96 $ 62.96
thru OECO:.!,1995 @ $ ,,.500.93 $ 3;001.66
. . " . 62.96 62.96
LATE CHARGES @ $ 0.00 $ 0.00 .'
.1 thru @ $ 0.00 $ 0.00
LATE CHARGES @ $ $
thru @ $ 0..00 $, 0.00
LATE CHARGES @ $ . 0.00 $ , 0.00
ADVANCES S 0.00
ACCRUED LATE CHARGES $. 02.96
NSF FEES ' .' $ 0.00
LESS SUSPENSE S 0.00
.OTHER ( )
The total amollllt now reqllired to cl/re tlris defal/lt, or ill otlle,. 4,680.19
words, get cal/gllt up ill jour paymellf as of tire rlate of this leiter, is $
You may cllre tllis defal/ltwi/llill THIRlY (30) DAYS of tile date of thir leiter, by paying /0 liS tI,e abo~'e
alllOl/llt, pIllS allY addifiollal mOlllllly paYlI/ellfS amI late charge II'lIiclr ma)' fall dl/e dl/ring tllis period.
Such payment must be made either by cash, cashier's check, certified check or money order, and
made at, or sent to: 8360 Old York Road, Elkins Park, PA 19117-1590.
If you do not cure the defnult within THIRlY (30) DAYS, we illfelld to erercise 0111' right to accelemte tire
mortgage paYlI/ellls. This means thnt whatever is owing on the original nmount borrowed will be
considered due immediately nnd you may lose the chance to payoff the original mortgage in monthly
installments. If full payment of the amount of default is not mnde within THIRlY (30) DAYS, we also
illtelld to instlllcl 01/1' at/onleys 10 slart a lall'sl/i/ to foreclose YOl/r mongaged property. If tile mortgage is
foreclosed YOllr nrongaged property will be sold by tile She/iff to pay off the mongage debt. If we refer
your case to our attorneys, but you cllre the default before they begin legal proceedings against you,
you will still have to pay the reasonable nttorney's fees, actually incurred, up to $50.00.
However, if legal proceedings are started agninst 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 O\ve us, which may also
include our reasonable costs. If )'011 cllre the defalllt lVitllill tire tlrirty dll)' period, )'011 will IIot be required
to pay at/ome)' 's fees.
Ot'aT"f;p~, F'<9ll
.
~
r .
.
\.'
Wc may also suc you pcrsonally for thc unpaid principal balancc and all othcr stllns duc undfr thc
mortgagc. If you havc not curcd thc dcfault withm thc thirty day period and forcclosurc proccctlings
havc bc~un. .1'011 sliII/wl'e IIIe rig/II 10 eWt' I/II! (h,/IIIIII 111/(1 (lre\'l!/11 IIII! .mle III all)' lill/e lip 10 aile
!taliI' bejore Ilze Slzc/iff's foreclosllre slIle. YOII II/a)' do so by (lllyillg II'L' 101111 1111/0111/1 of Ilze III/pllid
//Iolllltly /}(/)'mcllls pIlls (11/.1' IlIIe or oIlier cflllrge.\' IIIell dllC, liS 1I'L'11 liS lite rC:lI.wmalJle aIlOI1lL')':r fccs
amI eosls cOlI/lI!eled willi IIII! forcclosl/re sale (alld pelf arm rill)' mlzL'/' rCl(lIirCII/CIII,\' IIl1dcr Iltc
//Iorlgll1iI!). It is cstimatcd that thc earliest datc that such a Shcriffs salc could bc hcld would bc
approxlmatcly one,hundred lInd fifty (150) days from the datc of this leller, ^ noticc of the datc
of thc Shcrirrs salc will bc sent to vou before the salc. Of course. thc amount necded to cure thc
default will incrcase the longer you' wait. You may find out at any time exactly what the rcquired
paymcnt will bc by calling us at thc following numbcr: 215-881-1838. This paymcnt must bc in cash,
cashiers chcck, ccrtificd chcck or money ordcr and made payable to us at thc addrcss previously statcd,
You should realize that a Shcriffs salc will end your owncrship of thc mortgagcd property and your
right to remain in it. If you continue to livc in the property after the Shcriffs sale, a lawsuit could bc
started to evict you. -
You have additioil3l righL~ to hclp protect your intercst in thc property. YOU' HAVE THE mGHT TO
SELL THE PROPERlY TO OBTAIN MONEY TO PAY OFF TIlE MORTGAGE DEBT, OR TO
BORROW MONEY FROM ANOTIIER LENDING INSI'ITlrnON TO PAY OFF THIS DEBT. YOU
MAY HAVE THE mGl-IT TO SELL OR 11tt\NSFER HIE PROPERlY SUBJECf TO THE MORT-
GAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE i\lORTGAGE'DEBT, PROVlD.
ED THAT ALL TIlE OUTSfANDlNG' PAYMENTS, CHARGES AND ATroRNE\"S FEES Al'iD
cosrs ARE PAID PRIOR TO OR AT 111E SALE, (AND THAT HIE OTHER REQUIREMENTS
UNDER THE MORTGAGE ARE SATISFIED). COl\'TACI' US TO DETERiVIINE UNDER WHAT
CIRCUMSfAi~CES THE RIGHT MIGHT EX I sr. YOU HAVE THE RIGHT TO HAVE'TIIIS
DEFAULT CURED BY ANY THum PARlY ACnNG ON YOUR BEHALF.
Ifyol/ cllrc IIIC defallll, Iltl! //Iortgage will bc rcstorcd 10 lite sall/e POSilioll as if 110 elef(mll Itael occl//l'eel.
Howevcr, you arc not entitled to this right to curc your default morc than threc times in any calendar
year.
GMAC
Morfgage
. - -, .I'~
BY:
COLLI,CTION ~"\N"Gr:R
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