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NOTICE
You have been sued in Court. If you wish to defend against
the claims set forth in the following pages, you must take action
within twenty (20) days after this Complaint and Notice are served
by entering with the Court your defenses to the claims set forth
against you. You are warned that if you fail to do so the case you
proceed without you as 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.
Cumberland County Court Administrator's Office
Fourth Floor
1 Court House Square
Carlisle, PA 17013
Telephone No: 717-240-6200
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HARRIS SAVINGS BANK, formerly
HARRIS SAVINGS ASSOCIATION,
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
Plaintiff,
CIVIL ACTION - LAW
vs.
DENNIS A. SEALOVER,
NO. :
Civil 1994
Defendant.
IN MORTGAGE FORECLOSURE
COMPLAINT
1. The Plaintiff is HARRIS SAVINGS BANK, which formerly was
Harris Savings Association and formerly thereto The Harris Savings
Association, a corporation organized and existing under the laws
of the State of Pennsylvania and having its principal place of
business at Second and Pine Streets, Harrisburg, Pennsylvania,
17101.
2. The Defendant is DENNIS A. SEALOVER, an adult individual,
residing at 3937 Brookridge Drive, Mechanicsburg, Pennsylvania,
17055.
3. Defendant, on June 24, 1986, entered into a mortgage loan
indenture with Harris Savings Association, now HARRIS SAVINGS BANK,
in the principal amount of NINETY-SEVEN THOUSAND SIX HUNDRED
DOLLARS and 00/100 ($97,600.00), the terms of which loan are more
specifically evidenced and set forth in the mortgage indenture
dated June 24, 1986, and recorded June 25, 1986, in the Cumberland
County Recorder's Office in Mortgage Book 820, Page 673, a copy of
which is attached hereto, marked Exhibit "A", and made a part
hereof by reference, which mortgage contains and is a lien upon the
property situate at 3937 Brookridge Drive, Mechanicsburg, Hampden
Township, Cumberland County, Pennsylvania, 17055, being improved
upon with a dwelling.
4. Said loan was further evidenced and secured by a note
which accompanied said mortgage dated June 24, 1986, a copy of
which is attached hereto, marked Exhibi t "B", and made a part
hereof by reference.
5. Harris Savings Association, now Harris Savings Bank, in
consideration of the said mortgage and accompanying note, advanced
to Dennis A. Sealover the sum of Ninety-Seven Thousand Six Hundred
Dollars and 00/100 ($97,600.00).
6. The premises subject to
specifically set forth in Exhibit "A",
part hereof by reference.
7. Dennis A. Sealover is the sole owner of the said premises
contained in said mortgage.
8. Said mortgage and note have not been assigned in whole
or in part by the Plaintiff herein.
9. Dennis A. Sealover is the record owner in fee simple of
said premises by virtue of a Deed dated June 6, 1985 and recorded
in the Cumberland County Recorder's Office in Deed Book 1-3l, Page
1012.
10. No judgment has previously been entered on said mortgage
or note in any jurisdiction, and said instruments are less than
said mortgage is more
attached hereto and made a
twenty (20) years old.
11. The said mortgage is in default because Defendant herein
has failed to pay the monthly payment of $1,047.00 that was due and
owing for the month of December, 1993, and the monthly payments of
$1,038.00 each that were due and owing for the months of January,
February, March and April, 1994.
12. The Plaintiff has given to the Defendant written notice
of intention to foreclose on said mortgage as required by law under
Act 6, dated February 15, 1994, a copy of which is marked Exhibit
"C", and attached hereto and made a part hereof by reference.
13. The Plaintiff has given written notice of default as
required by the Homeowner's Emergency Assistance Act of 1983, dated
February 15, 1994, a copy of which is marked Exhibit "D", and
attached hereto and made a part hereof by reference.
14. The entire principal amount of Ninety-Seven Thousand Six
Hundred Dollars and 00/100 ($97,600.00) has become due and payable,
together with interest at the rate of 10% per annum, reasonable
legal fees for collection of said sum in accordance with the terms
of said mortgage less such sums as have been paid on account of
principal of the said mortgage and costs.
15. The Plaintiff believes and therefore avers that
reasonable legal fees for collection is $4,837.00.
16. The Defendant is liable to the Plaintiff for interest at
the rate of 10% per annum, late charges, property taxes and
expenses as provided in and collectible under the mortgage
documents that will accrue until distribution by the Sheriff of
Cumberland County, Pennsylvania, to be computed at the time of
judgment in these proceedings in addition to the current loan
balance.
17. The Defendant is liable to the Plaintiff for the
following on said mortgage loan:
A. Principal amount and interest
due through 4/30/94: $ 96,742.08
B. Interest at 10% from 4/30/94
to 10/07/94: $ 4,506.70
C. Late Charges: $ 259.95
D. Attorney's Collection Fee: $ 4,837.00
TOTAL: $106,345.73
18. The Plaintiff believes and avers that neither of the
Defendants are members of the armed forces or are in the military
service of the United States of America.
WHEREFORE, the Plaintiff prays the Court to enter Judgment
against the Defendant, Dennis A. Sealover, in personam on the Note
in the amount of ONE HUNDRED SIX THOUSAND THREE HUNDRED FORTY-FIVE
DOLLARS and 73/100 ($106,345.73), and in rem on the Mortgage for
foreclosure and sale of the mortgaged property, with damages in the
said amount in each case, together with additional interest
thereon, costs and all other amounts advanced by Plaintiff.
DATED: April 20, 1994
'2~
ROBERQ E. ~Y~RE
100 York Road
New Cumberland, PA 17070
(717) 774-3163
Attorney I. D. No.: 09729
Attorney for Plaintiff
,0
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF l}(\l ~ \d \1: .
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PERSONALLY APPEARED before me, the undersigned officer, a
Notary Public in and for said County and State, Ronald G.
Kishbaugh, who being duly sworn according to law, deposes and says
that he is the Assistant Secretary/Operations Manager of Harris
Savings Bank and that he as such officer is authorized to make this
Affidavit on its behalf and that the facts set forth in the
foregoing Complaint are true and correct to the best of his
knowledge, information and belief.
~~"f(sEALI
ONALD G. KISHBAUGH
Sjrru,and sUbscribe~o before me this
( day of ) 1 ,_ , 1994.
-' to 'I I r ,(i-, ')
, . l(1 J _ '-. ~ _ '
NOTARY PUBLIC
ommission Expires:
NoW.'! Seal
U:;1 r.t W,',-''''r. t:0',-y Pt.b5c
H' I'~'''''''' r'''rJl''nCa'nty
M)' Cc.-:".'" ~~:.::, li)P~c;0:!.~~1. 1996
Member. PennsylVJlI:4tA<;SOClJtlOn 01 NotuneS
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MORTGAGE
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. 86 THIS MORTOAOI! ('ir.~~.lJ~~W~~~~~vcnon .""JullA"2A...m.........................................",,.................
19......... The _PlOt It ......m...."......".."..m".""'..."""............""...."...m'..........,..,,..............,,,..,,.............'..m"'''''....''.....
.._H.._................................................................. r'Oorrower'I). Thla Sccurit'f JnatNmcntla liven 10 ..........,........................
_..._._.._................................JJ.u.t1....S..v.1I1&.,,Aa./l-01..t1An..,,,..........."..'........" which II o,...lud and "III In.
uadcr lbI.... ot ........................J!IlUl.)'~v&llla.........................1 and _110Ie addraait ...,.................................................
..................................................,2.nil.,..,.1',ln..,,5U:.OU...lllU'.dBhura...l'.A..J.lIDJ.......,.,....................(.L<odc,..).
Borrower OWCl Lender the prindpallwn or .....~1I1Ct~tr..e.v.o~..t1lGUIla.Ad..Slx.,Jluadr""..and...MoJ.1.0~.._..-
_...::==.====.=::::;::"".~.===,""=,..==... Dollan (U.S. S........'1l..r.OO'.lIO,....,). 'Illil d,bllt ovldcnc<d bJ lIo'roW'~IIlOlo
clalal'he..... cia.. u Ihlt SocurilJ I...rumen. ("No.o"). which provides fM mon'hly paymcnl~ wl.h the fon ddIC. Ifllol
paid carlkI. duo and payablo on ..........."... ............."'....Jul. y.. J.a .~,,211l6.................................. ThIa Socori.yl..lrumclll
MCUI'U to Lender: (I) &he rcpa'fment or th, debl evidenced b'f the Notel with interal, and all renewall. QlenlkHu .pd
moc1i8catkmJ; (b) tho plymcnl of aU olhu IUrn&. wilh Inleral, advanced under parl'I'Jph 7 to proleet Ihe lCCurity or tha.
Securil'f In&lNmcat, aDd (e) the pcdomwu:c 01 Darrowe.... coymanl. and I,recmcnll under Ihll Sccuril'f lrulrumenllnd
~.:, ~~.~~.~.~.~.~.:~.~.~~~~.:~~~~&tl.a~;s~.~~~.~..~.~.~~.~.~~~~~~:~~':;i':';::
ALL .nuT CERTAIN tr.ct or p.rcel or land .nu.te In n..pden Townehlp. CUIlberland
County, ',nn,ylvenla 80re particularly bounded and de,crlbed AI rollow,. BEGINNING
at a point on the north'lltern corner or the Inter.ectlon or Rldseland Boulevard
I~d Brookrldae Drive as .ore fully appelr' on the herelnlfter .entloned plan or
loti. thenae'a10na the eaatern line or Brookrldae Drive mODDured In D northea,terly
~lr.ctlon on:. curve to tho rlaht hlvlna . rldlu, or 375 reot, an orc dl.tlnce or
100~80 reet to . point I thenae contlnulnl along Drookrldae Drive North 17 doare.,
~5 .1nut., 00 ,econda East 50.6Q reet to a polntl thence South 72 dearee. 15
.lnute. 00 ,ecand, East Ilona the line or IdJolner betwe.n Lot. 1Q1 Ind 1QO on plan
153.2_ r..t to I point; thence South 02 dearees Q1 .lnute, 00 aecondl Elst 91.ge
reet to . point on the northern 11ne or Rldseland Bou1everdl thence alollS the
northern 1lne'or Rldsellnd Boulevlrd South 87 dearees 19 .lnute, 00 ,econda We,t
183~_3 reet"to' a'polnt, thephce or'BEGINNING. BEING Lot lql on the Find
S"bd~vlalon Plan No. 11 or Rldseland .. recorded In Cuaberland County Plen Book -7
pese.12_. BEI"G THE.SAHE PREHI5ES whloh Rldseland A..oolete., a Pennaylvanl.
partner'hlp, by deed dlted June 6. 1905 and recorded In Dead Book 1-]1 piS' 1012
aranted andoonveyed unto tho _artallar herein.
UNDER AMD SUBJECT, NEVERTHELESS. to condition., reatrlctlona, rlshte-or-way and
e.,..eat. or prior record pertalnlna to aald pre.lse,.
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which Jw ,he _ at ............~~.~.z...~,r.gg.~r..t~.8~...P.d,y.~..................,........"'. ........................I1\\~b,\\n1.1'.8b,"tll........
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','. _' Tool1'Hl& Wmt aU the lmproycmcall now at hercaner erected on the propul'f. Iud all CUC'lIItllll, riah...
.~ ~lI,-lOyaJlic:a. miJlcral. oil and pi ri,hla and profitt, wllcr ripl. and Itock Ind all blures 1I0W ur
~er ~ put pftbe,PlDpcI1Y..lll rcplaccmenlllnd addilioru .hall also be toYCraJ b'f Ihb SQiuril'f Jlwrumclll. AU utlhe
~~,aoinIJa ~~~ ~ In lhiI Sccuril'f Jrutrument.. the "ProperlY." .
. . BoUOWU, COVENAN11 that Borrower it lawrull'f aciscd or lhe alate hereby c:onn)'cd Ind Jau Ihe ,i,ht 10
monP.c,: 'aranl' and COQVC')' lhe Propcrl'f and IhI,l the Property it uneneumbcRd. eaccpl Cor cncumbrlum 01 ra:cJrd.
;-.. Borrower,wlrranu and will ddcnd ,cnetlllylhe Ihle to Ihe Vroperty 1,Iinlot III dllma and demand.. lubjo:t Iu allY
cncumbrlnCCl oIreoord.
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"..~"" THlS SEcuAiTY JNSTkUMEHT .combina uniCorm COVcn&nla Cot national UIC and non.uniCorm coycnallll wilh
~11Dl1.~ yarialiou ~1 J~lto~ to conlotJlulC I uniform lCCurity hUlrumcnl cuverin, rtlll propcrt'f.
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r.E~~S!~VAH!~ '_""A1f"lIO U""ORII I"STRUII'"T
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UNWORN COytNM,,"S. norrower and Lender coyenlnl.nd I.fct.. (OIlOWII
I. .'.,mca. ar I'rlnclpal.ftd IRlrrc,lj .'repayment and Lat. ChltIU. Uarrower .hln promr11y ply when dIM
the prlndralllr.nlolllllcrnl onlhc lIebl cyhJcncctl b)' lhe HOlland an)' prepayment and la'lcha'ln due under Ih, Nolt.
Z. Ily... ror Tal" and Inluflnce. Subj<<IIO appli'lblc law or 10' wri'Icn wllver by Lend", Dorrow'f .hall pi)'
III ~ndcr IIl1lhc dl' munlhly (liI)'mcnll.rc duc under Ihe Nole. until the Nole I, raid In rull. alum ("Fund,") equal 10
unc.lwclOb ur: (a) )'earl)' lun IInd .,!.(Umcnll which mil)' IUlln prioril, over Ihis Security Inltrumcnl:,'(b) ,nrlY'11
1,..w:haM f'Uymcnll or around re",' on Ihe I'roperl)', Ir In)': (e) )'earl)' huard lnsurancc rremluml: .nd (d))'carl)"
m0l1111c Inlur.ncc premiums, tr,"'l. nine ilem\ arc called "nerow Itenll," Lender ml)' ntlmlte Ihe fundi due on t.he'"
bA'ilU(eurrenldallan"'rell\()n'blectlim'lnnrr~turenc,rowltemL .' ,,:. '.', . ',,' '.~:':~'
The I'undl Ihall be held In an Inloliluliolllhe dCfIO't11or accounll otwhlch arc Inlured or aU.Bnteed by. tederal or I
llale alcncy (Ineludinl Lender If Lender II luch an lnllhuUon), Lender Ihall .pply Ihe Fund. 10 pay Ihe ClCroW lIems.' :
Lender ma)' nol chlule for holdin& Ind a('('I)'inllhe Fundt. .nal)'lInllhe ac(ounl or verif)'lnllhe eKrow lttma.'unlcul',
Lender pa)" Unrrower Inleral on Ihe Fund, and .('pli"ble I.w pcrmhl Lender 10 m.ke luch a charae. Borrow'er, and :.
Lender may alree In wrillnllhal illlernl,hall be (lMid on Ihe Fundi. Unlcu an alrccmenl I' made or applicable law~
rcttuirctlnlcrnllo be (Wid, Lender ,hall nol be rcclulrn!lo ra)' tlorrower an)' Inlerest or Clrnlnl' on the Fund., Lender
IhlU live III Durrower, wilhoUI charee, an annualaceounlin, oflhe Pundl Ihowinl credits and debUSIO the Fund'lnd Ihe'"
purpu\C for which Clch dehUlo 1111: Funds WIS mlde. The Fundt arc rtedlcd as addltionallCCunt)' for the lumllCCUrcd \ty .
IhlsSccuril)'hnlr\lmellt. . '., . , ., '..,.. .;
Iflhe alRounl ufthe Funds held b)' Lender, 10lelher wilh Ihe fulure monlhl)' pI)'menll 01 fundi paYlble prior 10 .
Ihe due daln oflhe nerow heml, shall Clcmllhe amounl required 10 (\IY the escrow items when due, lhe uccu lhall be,'l
ulllnrrnwer'l orlion, either rromplly repaid 10 norrower or credited lu norrower on-monlhly rl)'menll or fund.. 1f,lhti'~1
Imounl of Ihe Fumls hehl b)' Lender il nol ,ulfleienllo JlI)' Ihe CKrow Iteml when due, Borrower shall pay 10 Lender Iny'
ImuulIl nC'C(llAr)' 10 mike ufllhe del1l:ient)' in uneur more l'I)'menllll required b)' Lender,. I ., . .' '. "
U(1On ('NI)'menl in tulll)f ,II suml KCurnl b)' Ihil Securil)' Inslrunlenl. Lender Ihall promptl)' reCUnd to Borrower I
an)' Fundi held b)' Lender. If under p.Ullerlrh 19 the I'rorerl)' is wid or atqulred by Lender, Lemler Ihallappl)'. no laler
Ilum immcdialel)' rrlor 10 Ihe lISle orlhe J'ruperl)' or ill acquisition b)' under, an)' Fundi held by Lender Illhe time o(.~,
Dflrlkation as a credilllAin,t thelums Keurn! by Ihill SeeurilY Inmunlenl.' . . '...,,:, '. ;.
3. Appllclllon or I'aymeal'. Unless applicable Ilw provides olherwise, all pI)'mcnll rccclvcd b)' Lender,under .,
plrGararhs I and 2 IhaU be IIpplled: finl,lo hUe charles due under Ihe NOIe; KCQIld, to prepa)'menl charlcs d\lo under lhe
NOle; Ihlrd, 10 amounll paYllble undcr rara,raflh 2; fuurth, 10 Inleresl due; and IUI, 10 principal duc. '. ,',j " I '. I I 111"11'''1
4, CharaCSi Uen.. llorrower IhlU pi)' allll1C1, IUCIImenll, ,hlraClo flnet Ind imposltlonl a"ribulable 10 the
Propert)' which may lIulin flriorit)' over Ihil Sc:I;:unly Inmumenl, and leasehold pI)'mentt or Iround r"'....lf In)'. I,
norrower shal.ll'D), Ihcscubligallolls In Ihe IUIIIUler rruvlded in raralraph 2, or ifnol paid In Ihlt manner, Borrower,lhalt;'~ .
pi)' Ihem on ume dlrc.:ll)' 10 Ihe fICtIOn OWN paymelll, llorrower 111.11 ('Iroml'll)' fumllh 10 Lcnder,all nollca olamouRII,11
10 be f'DkI under Ihis pu.racr'(lII, Ir Ugrrower makn IhCK raymentl dir<<tly, Ilorrower IhllI ('romptlr furnish to Lender
r<<eirlsevidencinllhef\Uymenll. .' ,. "
norruwer shall rrom('tl)' dlsclllr,e an)' lien which hll priorit)' over Ihll Security Inllrumenl unlcu Borrower. (.)'
o.rL'CS in wrillnJ Itl Ihe pa)'menl oflhe obli,lllon itCured b)' Ihe lien in I manner acceptable 10 Lendcri (b)conIClIJ in load
fllilh Ihe lien b)', or defends Isainsl enfureemenl or Ihe lien In,lelll proceedin,1 which In lhe Lender'. opinion operale 10
rrevenllhe cnfortemcnl uflhe lien or forfeilure of.ny part oflhe PrOrerl)'; or (t) lCCures trom Ihe hotderoflhe Ucn an,
aarcclRent uli.fllctory 10 Lemler .uburdin'lina the lien 10 Ihis 5cf;urilY Inurumenl.IfLcnder determlneslhll any, part of..
Ihe l'ro(ICrl)' II lubjel:IIO II lien which m.y attain priorit)' over Ihi. SetunlY Inslrumenl. Lender ma)' live Borrower. I..
nolice illcnlif)'ina Ihe lien, norrower Ihan..Usf)' Ihe lien or lake one or more oflhe aclionl sel fonh lbove wilhin 10 d.)'.
nflllCCivinlotnotice. .' , .
5, Ilaurd Inlunnce. Dorrower Ihall kCCfllhe imrtovementl now caitlinl or hereaner erecled on Ihe Propcr1y ..
inlurn! Dlllinll Iou by I1re. huardllncluded within Ihe lerm .'cxlended coveDle" and an)' olher haun1J for which Lc:ndct',
uqulres insurance. Thil inlurance IlulU be mlinlalned in lhe amounU and for Ihe periodl th.t ,Lender requires, The:.
inlunanee tarrier rrovidinalhe insurlnce shill be chosen by Dorrower lubjectlo Lender'l Ipproval whleh Ihan nol be
unreasonabl)' wlahheld.
All insurance roliciCl and renewall shan be acccptable 10 Lender and shaU Include a Ilandard mortlllc clause.
Lendcr shan have Ihc rilhllo hold thc roticies and renewals. It Lender requires, Borrower Ihan promptly live 10 Lend"
all r<<dpll of plid premiums and renewal nOlicCl. In Ihe evenl of lou, Borrower Ihalllive rrompl nollce 10 Ihe inlurance
carrier .nd Lender. Lender ma)' m.ke proof of losl ifnol made promrlly b)' Dorrower.
Unless Lender and Borrower olherwisc I,ree in wrilins. insur.nce proc:eedt Ih.1I be Ipplied 10 ratoralion or repair
of Ihe Pro(ICrly damalcd. if Ihe resloratlon or rerair il economlcall)' feasible and Lender'. lCCurit)' is nOllcucncd. If lhe
restoralion or rcralr is nol economlcall)' feasible or Lo:nder'llCturily would be lessened, Ihe Insurance proceed. shall be '
ap('lied to Ihe sumsscc:urcd by Ihis SC'Curil)' Inslrumenl, whelher or nolllam due, wilh any UCCII paW 10 Dorrower. If .
Uorrower abandonslhe Propert)'. or does nol answer wilhln 30 days a nOli,e from Lender Ib.llhe Imuranee carrier hu
orrercd to setde a dalm,lhen Lender lOa)' collecllhe Insurante proceedl, Lender ml)' use Ihe proceedllo repair or rellore
Ihe Propc:rt)' or 10 (\I)' lumslCCurcd b)' Ihil SetunlY Inllrument, whether or nollhen due. The )().dl)' period will belin
when the nodce ilsiven.
Unlcu Lender Ind Darrower olherwise alree in writlna. any arplicallon Otprocecdl toprinclpallhal1 nolellend or
flOIlpone lhe due dale ohhe monthly pa)'ment. rcrerred to in (\Ira'''(lhl I and 2 or chinle Ihe amount oCtile: pI)'mentL If
under par.a.,....h 191he Propc:rty Illcqulred by Lender, Borrower', rilhllo an)' lnluranc:e pollcics and proceed' relulllnl
frOO1 dama,c 10 Ihe Propert)' rrior 10 Ihe acquilhion sh.lI ('IUS 10 Lender 10 IheCllenl oCthe lumslCCurcd b)' lhls Securit)'
Insuumenllmmall.lcl)'flriortolheac:quililion, ,.' ,....... " "
6. PrcscnlUon and Mllalenance of l'ropertJi Leueboldl. Dorrower Ih.1I nol deslro)', damale or luballntlaU)'
chanle the I'ruperty, allow Ihe l'ro['ICrlY 10 delena"le or commil Wille. If Ihi. Setunt)' Instrumenl i. on I lcalchold,
Uurruwerlhillll:ompl)' wilh Ihe rrovislonl urlhe lease. .nd if Ilorrower acquires fee tille 10 the Propert)'.lhe Ic.uchold Ind
rce Iille shall nol merle unlcu Lender ..rett 10 Ihe merler In wrilin,. '
7. I'rotcctlon of Lender'. Rlllhll In Ihe l'ropcrtYi Morlaaat tMurantt, If Borrower falll to perfonn the
covenanll and a.rcementl conlained in Ihll SecurilY In,lrumenl, or Ihere is a lelll ('rocccdlnllhal ma)' ,ilnil\c:.anll)' affecl
Lender's n,hll in thc Prorert)' (Iuch II a rrocmJlnlln bankrurlc)', flrobale, for condemn'llon or 10 enforce laM or
!ClulalloM),lhen under ,R1~I!P "n\l pi,)' ror whalever i..ncccuaty 10 ('Nlecl the v.lucoflhe Propert)'.nd Lender'1 rilh"
III Ihe l'ro(ICrt)', Lcnder'I''I&cllo!li'nla)' Include (\I)'inlaniluml KCurcd by I 11m which hu prioril)' over Ihil Securil)'
Instromenl"pflClrinl in C~\Irltreylnl reasonable allomc)'I. fen and cntennlon the Property 10 mike repalB. Ahhoulh
Lender ml)' lake Ictlon unde.,\hil 1l4rilsraflh " Lender dun nOI have lodo 50, . '
An)' amountsdilbuncd b)' Lender under Ihl, plara.raph 1.hall become addilIonal debl otBorrowersecurcd by Ihl.
SecurilY Inltrumenl, Unlns llorrower and Lender a,ree IU other lerml ofpaymenl,lhcsc amounls lhall bear Interesl from
Ihe dale of disbursemenl III the Nole rale Dnd Ihan be pa)'.ble, with Inlernl, upon nolice from Lcpder 10 Dorrower
r((lueslin, pa)'mcnl,. r.
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. I' "f : 1r ~cr required mort"'~ huul.nee as. condition of makina the lOin Iel.:urcd by thl. Security I~Jtrunlcnl,
I:Bonowct .hall ~)' the premiuRls required 10 maintain Ihe ill.urance III cfretl URlil.udallme It the fCtluircmcnl fur the
, lnaurancc tcrmlnalcalnaccordlncc with Donawcr'.and Lender', wriltcn 'afcement or applicable law.
I. 'alpecUo.. Lender or III 'Icnt may make reuonablc enlries uflOR and inlpcclion. of the l'Iopcrl)'. Lender
ahat! Jiye Borrower nolke a. the time of or prior 10 an irupa:llon speciC)'in, rcalOn_blt c:a1oUC fot the Inspection.
t. CoA4uaUUOI. The proccab or an)' a.ard or claim for damalo, dircc:1 or C:OIIKttUCIIUat. in ,uullet'ion wilh
In)' l:Ondcmnatlon or, other Lakin, of an)' pari of Ihe Ilroperl)'. or fut conveyance ill tieu uf wndcmnaliull. IUC hereby
a>>t..... and ah&U be paicllo under. '
. In Ihe eyenl of. IOLaI..killl or the I'roperl)', lhe proceed. ,hall be Ipphed to the IUlnllCtUrcd by Ill.. Security
IUlrumcot. whether Dr nol then due. with any ClCCII paiiJ 10 Dorrower. In the event or a partial lakin, or the I'ropeny,
wku Do~rower and Lender olherwLic "ree in wrWn" Ihe lumllCCured by thia Sc:curity In,truPlenl lhall be rciJuccd by
the amounl or Ihe proteed1 multiplied by Ihe rollowinl (raclion: (a) Ihe tot.l amount or Ihe .um. accured Immedi'lely
before the !akin.. divided by (b) the r.lr markcl v.lue or Ihe Property immcdlalely berore the t.killl. Any lNIlancc Ih.1l be
paid to Borrower, .
J( Ihe Property ilabandoncd by Dorrower, or Ir. .ner nolke by Lender 10 Borrower Ih.llbe condemnor orren 10
make an .wud or Kille. claim (or darna,CIo Borrower (.illlo respond to Lender within 30 day, .ner lhe date Ihe l1olll:o it
liven, Lender iI.uthoriud to ",Ileet ami apply the procccdl, ,t itl option, eilher to rellor.llon or repair or Ihe Properly or
10 Ihe'I\lmIlCCuud by Ihis Security "utrumenl, whether or nollhen due.
'. Ualcu Lender and Borrower othcrwilc .aree In wrilin.. Iny apphc:allon orprocccd.lO principal thall not Cltcnd or
potlpoae lhe due date or Ihe monlhly pI)'mcnll rderred to in pananpha I and 1 or c:h.nae lhe amounl or .uc:h paymcnu.
" 10, Borro.... Nol Reltuell; Forbcatlllel U)' Leader Nol . Walttr, Batcrulon or Ihe lime rot plynw:nl or
modlAcatkm 01 amonlution or the .urns KC:ured by Ihit Securily huuument ,r.nted by Lendct 10 any lucccuor in
laletell 0( Borrowctlhall not oper'le to release Ihe li.bility or the oriainllllorrowu or Uorrower'l IUCUSIOn in Intereal.
Lcndu &ball not be required to tommence proceedin.. .a.inll .ny IUl.'c:cuor In intUQI or mUle 10 calend lime for
payment or olhcrwlac modiry amortization or Ihe IUmlltCUred by Ihll Security Inllrumenl by reuon or .ny demand nllwc
by Ihcorilinal Borrower or Borrower"IUC<<IMJn in Inlerat. Any rorbcanmce by Lcndct in caerc:ilin,.ny ri,hl or remedy
aball not be. waivuotor preclude IheCAerc:i.sc or.ny riaht or remedy.
,II. S~ ucI Aut... Bound; Jol..t ud ScnralUabUllr, Co1lpcn. The co...enants and 'arcemenll or
this~ty lnallUlnpl'ahall bind and benefitlhe IUCCClSOn.nd uai,nI or Lender .nd Borrower, lubj4Xt to the provilionl
of parqr.ph 17. BorrOlt'U',l;OVenanll.nd .,r<<menlalh.1I be joinl.nd lC"'Ual, Any Dorrawer who w-lilRlthis Scturhy
IMlnuDcnl bUI does not execute the Nole: (a) it COolianin,lhia Securily In,lrument ani)' to mortll,e.aranl Ind !;OlIvey
lbat Borrowu',lnteresl in Ihe Property under Ihe lerms orlhis Securily lustrumenl; (b) it not penonally oblia.led 10 pay
lbc IUlnIlCCUrcd bY,lhlt Security Instrument; .nd (t) .arees lhat Lender and Iny olher Borrower ml)' a,ree 10 calaMi,
,~ modi(y, rorbear or make .ny accommodationl wilh rellrd to the lerms ur thit Securily lnatrumcnl or Ihe Nole wlthoul
thai Borrower'1 conacnl,
. U. Lou Quiet. Uthe loan ltCurcd by Ihil Security Inllrumenl i.lubjcclto .11. whleh acll nwimum lOIn
charaClo and lhat law it finally inlerpreled 10 Ih.t lhe intCfClI or other loan charles collecled or 10 be tollcelcd In
conncetiQn with the loan eacccd the pcrmilled limill, Ihen: (.) .ny lueh loall charle thall be reduced by Ihe .mount
ncccuarJ 10 rcd.lU:O the ch.rac 10 the pcrmlllcd limit; and (b) any luml already ((lllcelcd rrom Uorrower which uccalcd
pcnnin.cd limlla wUlbe: refunded 10 Dorrawer. Lender m.y c:hOOlC to make Ihls rerund by rwucln, the principal uwcd
under Ihe Note or by makin, I direcl paymenllD Dorrower. U. rerund reduces princ:lpal, Ihe rcduc:tlun will be IrClled u.
partial prcpaymcnt.without .ny prepaYPlenl charae under Ihe N~te. '
" 13. Lq,I.a1alJoa 'Aft'ccIIDI Lender'a Rip.... Ir enaclmenl or elplratlon or .pplic:able laws has Ihe elrcel or
rcndcrinl an)' provlslono,rthe Noleor this Securit)' lrulrumenl unenror,"ble .ccordin,lo ill lernll. Lmder. II ill uplion,
may require Immediate plymenl in full or all lumllCCured by Ihil Securil)' Imlrumenl and may invoke Iny rellla.lics
pcrmlllcd by paraaraph 19. Ir Lendu Clerc:lsa Ihil option, Lender Ih.lIl.ke Ihe IlepllpecinaJ iUlhe ICCOlld p:ll':Israllh or
paIIlraph 17. .Il-'\I.. t, ',' I, . , ,
, ~ 14. Nolita. .Any notice 10 Dorrowu pro...lded ror In IhitScc:urity Jmlrument lhall be ai,<<,n by deUverlll1 It or by
. maWn. it by Inl dau mall unlcu applic:ablc I.w rcqulra use of another method. The notk;.c Ih.1I be dircclaJ lu Ihe
Property AddraI or any olher addraa llorrowu dcsl,natct by nolice 10 Lender. Any nOIIc;c 10 Lender ,h.lI be ,1'<<'11 by
Ant c1a.u mail to Lcndcr'1 addrCSlIl&ted herein or .ny olher addrcu Lender dcsi,nales by nodce 10 Dorrower. Any Iltlti"
'provi4ed (orin lbll ~urilY Inltrumanllh.11 be decmed 10 h.ve hccn ,iven 10 Dorroweror Lemler when ,i...en al proviIJaJ
In IbIt !'I"lnph. ' .
.15. (lafcralq LaW; Senr.bllll,. This Sec:urilY Instrument Ih.1I be ,o...emed by rederallaw and the hlw orlhe
Jurisdiction in whleh the Properly illocated. In Ihe evenllh.t any pro...ilion or cltUIC orlhll SecurilY Inslrument or Ihe
Note confticts with .ppli"ble law,luc:h tonRiC:1 Ih.lI nol .l1'eel olhcr provilionl or this Security Inltrurnenl or the NOh:
whicb 'Can be Ji...cn dl'eet wilhoullhe c:onRiednl provuion. To thil end Ihe provisionl or Ihil Scturity Inllrurnent .niJ Ihe
Hole If' declared 10 be Icvcrab!..
. f'~ 16. 'Borrower'. Cop)'. Borrower ,h.1I be liven one c:onrormc:d topy orthe Note and orthis Securlly luslrumenl.
;' , ')1; Traur"" or Ib, Property or a Ucnencl.llalcreat In Dorra"cr. 1(.11 or .IIY pari or lhe l'rupc:rlY or llUY
lnlCralln'h iI auld or IranIferrcd (or if. beneficl.1 inlercal in Darrowcr iltold or Iranlrerral.nd Dorrower iSllula n.lur,1
pcrion) withoul Lender'1 prior wrilten ((lnsenl, Lender may, .1 ill option, require immediate ra)'menlln rulI or.11 '1.11111
ICC1;If~ by, Uija ~Nril'y Inltrument., Howe...er, Ihis option Ih.lI not be Cl.erciscd by Lender ir uerebc Is rrohlbiled by
. r#i!\ law '" oflb, dale orahla Seeunly Inslrum,nl, .
., '.::,',; :J II( Lcpdcr'~,~iKt Ihls oplion, Lender Ih.llalvc Borrower nolice or .e"ler'llon. Thc nolice shill provide a period
ornot lclllhan 30 dlYI rrom Ihe d.te the nolice is delivered or m.i1aJ wilhin whlc:h Donower mUlt ply .lIlunlllCCurcd by
&hit'Securlty InslNmenl. It Borrowu r.ill 10 ply these luml prior to the elpiratlon or thil period. Lendcr filii)' invuke .ny
rancdJa pcnnlllcd.by IhlaSccurily lnalrumenl whhoul rurlher noticcor dem.nd on honowcr.
~ ' " ~.. Borrower'. Rlplto RclAltate. It Borrower meetl cert.in eonditionl. Uonower Ihall h....e Ihe oChllO IUlVC
cnforoemcnl otlhlsSecurily Inltrument ditconlinutd .I.n)' lime prior 10 Ihe earlier or: (a) 5 dlYI (or ,ueh ullic:r period II
. .pplica.blc law m.y",pccil'y ror reinsl.lement) berore IIle or the ProperlY punullnlto .ny power or ule cOlltlillallnlhi.
Securil)' "mtrumenlror (b) enlry or a jud,ment enrorc:illalhis SecurilY Inltrumenl. ThOK conditlonl arc Ihll horruwer:
(.)'pa)'11 Lendu'&11 iums which then would be due uniJer Ihil Securily Instrument and Ihe Note h.d 110 ""cleralion
occurred; (b) cures any dd.ult or .ny other covellantl or .,rcePlents; (e) paYI aU elpcnacs Incurred in cnron:iUllhb
Security lnatrumenl, Inc:huJina. bUI nOllimilcd 10. reason.ble .lIorneYI' rees; .nd (d) I.kes luch action IS Lender may
reasonably require 10 auure lhat the lien or tllb Sccurily Instrumenl, Lender'l rilhlllll Ihe Properly aniJ Dorrower',
obUI.llon, to pa)'; the luml ltCurcd by Ihi, Security Inltrumenl Ih.1I eonlinuc uneh.n,ed. Upon reimtatemeut by
Dorrowu~ Ihit Security, Inllrumenl Ind Ihe obli"lionl ao:ured hereby Ihall remain rully efl'ec;li...e IS ir no .cceler'lion had
occur~. Ho~cr. tbis rilMlo reinltalc Ihallllol.pply In Ihe cue of acceleralion under pananphllJ or 17.
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19. Aeeeler.llon; Remedies. Lender shan al.. noller 10 nO"OWer prior 10 .cel'enlloa folla'.lla ,Dorrow.,.' ; ..
brnch of In)' coteDlnl Dr .areemenlln IhllSceurll)' Inllrumfll (bul nol prior 10 .ece'er.nan u"'er pal'lll'l'''' 13 ..tl11 : I
unlcss .pplle.blt ,.. pra,ldn otber.IIt). Lender Ihan nollr)' Dorrow" or, Imonl olher Ihl.pI (I) Ihl default; t') ....
.ctl". reqlll..d 10 ell" Ih. del.lIl1; lelwhe.,h. del.1I11 mll" be c.,odl..d ldl ,h.,I.IlI1f1IO Clllllh. dol.1I11 u ...dft.'....~", "
mar ,,,,"111. .ceeICrlllo. 0' ,h,.lIm. .....ed br Ihl. SoCII.llr I..,..men', lo..do.... br Jlldlel.I..octc4I.I.nd ul. 01
Ihe l'rpptrt)'.I.rndct shin rurther Inform narrower of the rlaht 10 relnltlle Iner leellel'lllon .... the rllhl to....rt II the
10reel...II" p'll<cedl.a Ih. ......llIe... 01. del..I' 0. ..r o'b.. dele... olllorrow.. 10 1<..ICrlllo. ..dr....lo.....I(j
the deflultls nol curtd 'lspcclflcd,lA'ndrr II lit oplion ml)' require Immedllte pl)'ment In full of all sumlltC1lrtd ."t"ll, I .
Securlt)' Inllrument wllhout furlher dem.6d Ind ml)' foreclose Ihit Seeurll)' Inltrumenl b)' Judicial ,rottedln,. Lnder
lillla" be enUlled 10 collect III uprnlulneurred In pu"ulna1he remedies ,ro,lded In thll par'IfI,h 19, hteludlna. but nOI ': \
IImlled 10. ,"o.n.r.' '.....d eo." 011111. ",de." '0 Ih. n,..,pe.mlllld br .pplleabl.,.w. ,', ,; :
lO. ....d.. I. 1.0.....10.. Ul"'n a",eler.,ion ."der ""nlr.ph 19 0' .bandonmenl oIlhe p'Opcnr. !.ender (hi::
per.un. IIr 'Genl 0' IIr jlldi'i.llr ,plooln'cd .ec.iver) .h.1I be .nlilled 10 .nler llpon. I.ke .......ion,or and m.n'I.lh. ,,:
I'.uperlr .nd In collecl'h. renl' ollh. I'.operlr in'l.dinl'h........ d... ^"rrenll collecled br.1.ender 0' Ih. rccclv.r'
..h"n be IIl(llicd nrslltl raymenl of the com or man.cemenl Dr the properlY and collccliQn or renl.. includln,. bul not II
Ih~iled In, .ec.iver's I..... premi.m. on ,eceiver'. bonds .nd .cason.hl. ,"om.rs' rl<\, .nd Ihen ,olh. ..m. secl\led.b~"", '
Ilu.Stl:urllyln,trumcnl. ' . 1_"-' t, .'of I .
ll, R.lea... Ul"'n ""ymenl or .1I.lIm. secu,cd br ,hi. Sec.rilr In'l..menl. Lender .h.1I dlach."c 'hi. ScCil,hy,::
I"....me'" withOll1 ,h.'le 10 Uorrower.l1orrower .h,lIl"r .nr .ecord.'ion ,...... . '.
11. Rclnttl,cmentl.erlod. Uorrowcr'lllnle 10 reinltale rrovidcd in part.rlph IIlhan catcnd 10 one hour prior to.. :
Ihccommencement ofhiddinJ Il'a ,hcrirrllatc orolhcr ule flunuanl 10 IhilSecUril)' Inllrument. , ',..; -~ ,a.
1J.I'urebllC MaliC)' Morlalac. tfany oflhe debt lCCurcd b)' Ihi, S<<urhy Inslrument il lenl to Borrower 10 acquire I
tille: lolhe l'ro(1Crl)',lhil Seturil)' hu,lrumcnl ih.1I be. (lurc:hA!lC monC)' mOrlaase. '\
14. Inlertll Rile Aner Judw;mcnt. narrower .arm Ihat the interesl rale payable Inet. judlmenl is .enlered on the :,. ~.
Nolcor ill un lu:lionu(murISDac forn:lU!.urc ..h,1I be Ihe rale payable from lime to lime under Ihe Note. .' .. I ",(I
1S. Riden to Ibll S<<urU)' Inllrumenl. Ir one or more riden arc uetUIW by Borrower and recorded toadher with:
'hi. Sec..ilr 1".".menl.IIIC 'o~.n.n" .nd .I,..m.nll oreach ..,h rider .h.U be incorporalcd in,o.nd .hllI....nd and .,
s.ppl""enl ,h. ,uvcn.nl. ,nd .&re"nenl' ollhis Sec.rilY Inmum.n' u illh. rid.r{.) were · pan oIlhll Securi'y'"
Inluumcnl.(ChCCkoppli"ablebol(nl) , . .. ",,' ....:',.Prl
o Mjll."hl. ROI. Rider 0 Condominium Rider 02-4 F.mllr'RId..':' :'"
'I ,.,1/;..1
o O.....OIcd r'rnICnl Rider ol'lanned U"II Developm.n' Rider ,., ' .
001 ) I 11 ,I. .II''';I.~.I
Iler(1 i('C(.iy ....,.. .:....,'"I,.II:..t
'.,' .';......11
nv SlaNINO nF.U1W, (lorruwer .cccpll Ind I.rees 10 Ihe lerml .nd ~vcnantl c:onlllned In thll Sccurb, ;"
~=~~=~=:~--~"___~Jll:::_~::
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C'UMWUHWI!ALTtlOP PENNSYLVANIA_...... .Y9r)t...,.............".,...,. ,CounlYU:
On lhi..lhe.... ,,~!'~l'... .d'yor..... .~~~9................. 19.~~.. belore me,', ..':..:..:. ...;'... '
. .. ^ .IlQtory. Pllhllc ..Ihe .ndenllned officer, person.lly appeared. . .. . .... .. . .. .. . '.... .... . :..'.. .... ,':
... Pp,nqlU.A..SUlover.......................................... ..known lo.m' (0' ..lIst....rify
p.ov,en) 10 be the person... .whos. n,me.. J9...... ...bsc,ibed 10 ,he wilhln Inmumcnl.nd acknowlcdpllhll 1
." .l~....... .cleculed lhe lime for Ihe ('lUrposc:I herein ~nlllnC4J. .
r~/.... .
IHWITHE.. WIIE.EO..I herellnlo..' my hand and 01f,,1.1...1. ' . \:.. . .,;.......".;, .
~;."...,. "';','
My Commlulonclplra: June 9, 1988 ~ ,'. ..<., ,~. .:'.."";~\~/:'.:.
,.&,. .. .\. ....~':t'''''~i '.
r;- " ~l . ';b, 1
(I Nota Pub1 \. II ". I" !! I
......................".....Jf..\,.,.....\........ ~..,
TI"."OI"" ~I'l'. ",' 1":::"JI
.:\. 'j .....,
H01ARYPUnUc,IlATIUDID.HOMII ~':.'. ,;,.t\~'. .'
f.lt"~t,.:'l,YOf.eo..PA - ,.'
W, CoIMlMlIItll"~~1 June I. 1. '
! '.
,I HEIlCBY CERTIFY Ihollho p'~CI.o plOCo
~f ~.~~Inoss Dr tho mortl'~r.t10 .md plJrson
C,I.'IUl~d t~ InltlU.I!.l on this fllort,..".' I'
O~I'1110"1 I H . ., .
" .... roo. ~m~bl(U. l'ulIlIsylv.llli.l.
!~tto~
iOoK
820 fACE 676
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Slate or PonnllYlvanla } 55
County or Cumberland
f1ocon!ed In the olnce for the rucordinO of Deeds
etc.,ln end for Cumberland ~i1~;Pa. 1"1:3,
tn Book ~ Vol, 2i.;iU- puOal!!
\ ' Wi~ne~~VJhifn~sao~~ul.... q,
Corllsle, pa~l: ' day, 1BJ;tU
, \ ...... .-. . " ) , )
..-,o"T".'...' .\' I" ....t-JrT,..
Recorder'
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-:.olob'li~
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I
NOTE
....................JMO!IP. ~~.........................I 19...~!:t... ..~.~.~...~.~~.~!.!.~~~.........I ..............g.~,!~!!.~.y..~.~.~!!!.~.jl.
ICoI,I liU"l
""."..,,'............_.... ".."...."""."",.....",l2Jl,,.>>X.9.11kdll&~,,P.r.~y.~....!:'.\:~,!.~.\!.!.~.~~,~,r.8."..!:^..E9.~~....."'''',,..,,'',.,'' ,
l"IiI*1,M$...1
I. BORROWER':> PROMIS!! TO PA'1
In ,elum fUI . loin Ihlll hne received, I ('Iromilc 10 ""t U.$. S................9.Z"b.QO.I~n...... (lhis'lnuLlnl b ullnl
"principii"). plYllnlual.lo the order Dflbe Lender, The Lc.ndcr it ..............,..................,....................................................
. ............................. ...............................ILa.tl:'.Lu...S.u.\!JJ1U,"..ftM".Y.~.~RJ.A.~}.t.....,......................................... I uurJc.'I.lIiJ
IMIIM Lender ml)' II,ruler Ihia NOle. The Lender or .nyo.e who laku thia Nole bt u&lllfu and who b. cU1ill,d III
,,",we pI)'meR" wooer Ihl. Nole ~ called Ih. UNole Holdel."
1.1I'fi'EREST
lntCtul will be challed on unpaid principal unlUtbe rullamaunt or princip&llw been (Wd. I will Ill)' inlClQlal1l
1...11 ,.,. ol........... /9,'.9.9...., 'lIo,
The inlet"1 Ille lequited b)'lhia Seclion 1 illhe rale 1 will ply bUlh bUole aud Incr any dd.uh dClCri~ ill
Secllon6/D)olllll.N.... '
3, PAYMIlNTS
(A) Tla. &ad PIac. or r"lIe...
I will pay ('ItlncipaJ .nd inlflcst t. i makin, paymentl every monlh.
Iwill make my monlhly parmenls on Ibe ......1a.t.... d.y ul'CKh Plunlh beJluniif, on ........JwlUoUlt..~"t............... ,
19....I\A.. 1 will make Ihm parmenl. every "'ORlh unlilI IllYe paid aU or Ihe principal,"d inUresl and Inr ulher ch;II~C\
dacribed below thai I may owe under thll NUle. My monthly ply.nenu will be Ippliallo inlereal be(ore princillll. It. 1111
.....J\lly,..la.t........................ Z.Q.U......I.lill owe amounls under Ihis NUle.J will pay IhOK muurn. in run un lhal d.lIC.
whkb is called the "maturily dal.. Of
I will make m1 monlhl1 1lO1mcnll.' .............,,~nll...Lr.An.9...~,tr.RR.\.ft....\Igr.r.I,"~.y.r.II....r.^..1.1.l.m.................
................................................................................ or at I did'ucnl piau it required by Ih, Nole If,oIdel.
em AaHltutMoalhl,l'ay...nlJ 8S6 51
'. My manlhll pllmenl will be In lhe amouut oru.s. S...............~...............................
.. BORROWER'S RIGIIT TO PREI'A Y
I have lhe nJhl to make (Qymcnlt or principal at .ny lim, berure thel arc due. A ('IIlmenl or principal ollly j,
"nown as a "preplrlllenl." When I make. prep.ymCAI. I willlelllhe NoIe Hukler in wrilin, lhallam doin, WI.
liRa)' make, rull prer-ynteDl or p'lIial preplymenu without plllnl.ny preflll"lCnl cherie. The NOll HukJrr
will UK all or my preparmenLl 10 reducc the amounl of prindpal that I owe under this Note. Ir "nyke I ~ru..1
prtpl)'lnenl. Ihue will be 110 chanJcs in Ihe due d.le or in Ihe Imuunt at my montbly palmeRI unicu Ihe NDle IIDldrr
IlfCCIln wotin,lO IhOle chanJea.
S. LOA" CIIARGt:S
Ira law. which Ipplia 10 IhLi lOin .nd which leis m.limum loan charJcs. b fin.lly inlerprelrd 10 lhallhe inlele\1
at oIhu lOin ctwlCl collecled or to be collected in connection with thb 10111 ucccd lhe permiUed bnlita. Ihen: (I) ,ny
.uch loan charJe .h.1I be reduced hy the ,muullt nccasary 10 reduce: lbe char,e 10 Ihe pcnniued limil; and (Ii) any,ulII\
alread)' cnllectcd rrom me which uceeded pcrmlued Iimiu will be reCunded to me. The Nole Holder may CbOOK 10 nllke
Ihb reCund bl rcduclDI Ihe principalJ owe undu Ihis Note or by makin, I direcl payment 10 me. J(. rdund rNUCCl
rrincipal,lbe leducuon will be Irealed u a partial prepalment. .'
6. DORROWI!R'S. FAILURE TO PAY AS REQUIRt:D
(A) LAtl CUt,. (Dr Otlr4u. PI)'.e...
It Ihe Note Hulder hu nol rccdvcd Ihe rull.mounl or any monthly paymenl by Ihe end or ............!.~......... caleud.r
d.p.ner Ihulale II b due, J ",HI pay .l&lecharle 10 the Nole Holder. The amount orlhe charlll will be ....t........'" Orlll)'
o\'Crduc flIYlncnl or prlnci~ Ind inlctUL I will pay thia laic cbarJe promplly but onl)' once an each laIc 1lI1mcnl.
(01 DeI..11 ,
It I do not ~)"Ihe rulI,mount or each monlhly pa;mcnt oa the dale II is due. J will be In derluh.
(Cl Notk. or Ocr.wl
ICI.m in dd."dl.lhe Nole Holdel m.y ..nd me. wrlllen nolice Idhn, me l'llllr. do nut ply Ihe uycrdue .mUUIII
by a uttain dale. Ihe Nole Holdu may require me 10 pa)' Immedialely Ihe rull.mounl or printl"" which hlllllll bctllllllLl
..HI .lIlhe IlIleral Iball owe on Ihal amounL Thl' dale mull be II ICUI JO day. aner Ihe &LIte un which Ihe l1ulke "
ddivued or mailed 10 me.
(DI No W.lter 01 Nol. 1I014u
Enn Ir,al I 11m, when tlm in dd.ull. Ihe Nole Holdu dOCl not requile me 10 pa)' lnmlwi.lelr in rull II dCll.:libl:d
lbo'fc., the NOI.Holderwm'liII hne Ibe riJhl to do Wlifl am in derault alalaler lime.
CD PI)'.ea. or NOI.llolder'. Cot...Ad ~.ptuu
tribe Nole 1I0ldel has required me 10 p'ylmmcdialely in rull u dacribcd abovc,lhe Nute lIolder will line 1111:
nabt to be paid back by me ror.1I or It. cO'lland e.pensaln enrorcin, thir. NUle 10 Ihe ealent nul pruhlbltaJ lJl AI'ldu;a\lh:
la.. TboIc eapeD", include. ror cum pic. rUlOn,ble .Ilumerl' rea.
7, GIVING Of NOTICt:S
Unlcaalppliuble Ilw requila a differenl method, .ny nodce th.1 n_ull be liven 10 me ululer Ihi. NfJle will be ,Iwtll
br deUvcrlnllt or by mallinl il b,. tint cia.. man 10 me a'lhc Propet1y Addral above or ala Llirfereut a..hlre" ir I,i"e Ih~
NOle Holder I nalice or nil ditrcrcnl addrcu.
An)' nOlke thai mu"I be Jiwcn 10 Ihe Nole Ilolder under Ihia NUle .ill be liven by mallillJ h by r"u ~lo1l1l1l,illulhr
NOlt Holdcr II the addu" .1.led in Section l(A) .bon or al II ditrerenl addrcu ir I .m liven I nolKe ul'lIlal didcrelll
add,....
M~~II~I^n I,.',W UAI[ NUlt-so'I" 1""'HIlIllA/IIILMt UN,lUnM 1I'''.UlltN'
hl.11 J,II,IU 1l/1l,1
EXlDBlT -B-
...J
.. OD...aAl'ION~ 01' I'I!RSONll UNDER TillS NOTa.:
Ir morc lhln one penon Ilan. Illia NOIe. each penon b rully and ('(noRally obhr,lltcd 10 k"l'.lI "r Ihe IIH'll1i\t,,,
Inlde In ,hi. Nolr. inc:ludina Ihe promitc 10 pay the rulllmlJunl owrd. An)' IJCfIOlIWhd ia 1& (,lI,ululor, IUfely "' Cudul'rr
IllMs NI'lIC I. ahnnbll,llwlo do IhtK Ihln,., Any ('Craun who IILn uvcr Ihell: ubli,allulI!lo, ill~huJllln Ihe 1111Iir.~lillll" II. iI
,III,.ntor. lurel., ,I' clIlIoner orlhit NOlc,l'llw abllallW lu "ccp III ,,(Ihe plUmi\(\ Itlllllc inlhi, Null:. 'I Ill' Nult' IluMr.
nil' CnrUfee ill rilhlS under lhil Nole 'Iaint' uch pc'''lulndlvidu.lI)' ur 'aains' 0111 or II'" IIIE-elher. "lIi.. IIlt.lIl\ IlIalll")'
,one ulUlml)' be required 10 1lI),'U orlbe Imounlsoww under Ihb, Nule. .
9, WAlVF.RS
'and an)' neher penon who ku obUptionl under Ihl, Note w.lve Ihe riall" of IlfClCllllnellt .mlnnli\:e of'Lli"hullllI.
"PrneRlmenl" mURllhe rllhllo require Ihe Nole Ilolder 10 dem.nd paynlent of IInounl' L1ue. "Notice Dr dishunor"
mC'nI the naht to require: Ihe Nole Holder to live: nolice Iu oUier pcflOns thll .muunls lIuc hue: l1ul been paiLl.
10. UNifORM Sr.cuilED NOTE ' .
11lis NOIe II I unirorm inlUull\ent wllh limited Ylri.tions In sumeJurl,diclions. In addilion I" the rWlcctions _i"r.n
10 the NoIe Holder under th" NOlc.' Mortl'lc. Deal or Tfu't or SecurilY UmJ (lhe "Sfi:uril)' 1Il!\olrumcnt"J. dillelllhe
um. dale u Ihb Nole. proltclllhe Nole 1I0ldcr rrom poIlible louca which mlahllnull ir 1 do nul kecr Ihe 11IUlUl~
which 1 make In Ihas NOle. Th.l Security 'Rurunlenl describes how .nd ulUler .h.1 tomtitiulIs I ma)' be re1luirallu ml1,;e
immediate pI)'menlln full of.1I .mounlll owe unLler this Nole. Sume ofthoscconditianl.rcdcfoCrlbnJ.s follows:
Traurer or Iballropul, or I lleDcOdallDlcrnllA llorrowcr. Iran or an)' I"ut orlhe l'rol"ll)' ur
an)' inlcra' In it illa"'l or tran.rcrrN (or Ir a bcneftcial inlerest in Darrower i. "11Ll or lr.n.rc:rrC\J aud
Borrower" noli natural penon) wilhout Lender'a prior wrillen CDnacnt.l.cllder ma)', al ill Ullliuu. require
lmmall.le pI)'mcnt in r",1I ofaUlums lCCurc:d b)' Ihi. Securit'llnstrumelll,lluwcver. lids olllion ,llIllnol be
CluciKd by I..cnder If curdle b prohibited b'l fetJcrall.w II orlbe dale of tlu,; Sccurll)' In"runlenl,
If undu uercilCl Ihlt oplion. Lender Ih.lllive Borrower nollee or acceleration. The nollce ,hall
provide I period of no' leu Ihan )0 da)'I from the d.te the nolice il delivered or m.iled within which
Borrower mUll pi)' IU sum. HCurcd by 'his Sef;uril'llnSII'lln\cnl,lfUorrowcr rail,lo r-'1lhcsc sums IlIiur 10
Ihe Clplralion or 'hi. period. Lender m')' h,,,oke an)' rcmccJies pcnniUaJ by Ihil SecurilY 11I,lrumcnl
wllhoul furl her nOliceor dem.nd on Darrower,
\
,
Wm<WlllCIIAND('IAND5I!ALI'IDPlZ,,~,1l ...IONCD':A
Witne..: f . ~ .
1.. ..J..!:..b..(,,~.. ~J.:{A(t.:':.:..........,.................".......... (5..11
'Dennta A, Soolovor ..~
................."........................"..................,...................."...............'"......,(0;.'.1)
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ISilo Oril;/I.I (Myl
Pt.'l TO nlE ORDER OF FEDERAL IIOME LOAN MORT.
r.A(\E CORl'OIlATIDN WITllDur IlECOUIlSE
Ihi~_dJ)' 01
.19_.
HJJli~ SJvlncs ^:osocl.,Uon
WIUlom J, MeLnuuhlln
Vleo I',o.ldonl
I
"
~
FIXED RATE I.OAN RIDER
This Fixed Rate Loan Rider II made this 24th day of Junn .
19~, and Is Incorporated Into and shall be deemed to. amend and supple-
ment and supercede according to Its terms conflicting language of the
Note of the same date. given by the undersigned (the Borrower) to The
Harris Savings Association (the Lender) and secured by a Mortgage on the
property described In the Mortgage (Security Instrument) localed at:
19]7 BrookrldRo Drive. HcchanlrRbure. PA 170~~
(Property Address)
A. PREPAYMENT PENALTY.
The terms of the Note provide In Paragraph 4 "Borrower's Right to
Prepay":
"I may make a full prepayment or partial prepayments without paying
any prepayment charge, The Note Holder will use all of my prepayments lo
reduce the amount of principal that I owe under this Note. If I make a
partial prepayment, there will be no changes In the due date or In the
_unt of my 1,lOnthly payment unless the Note 1I0lder agrees In writing to
those changes."
HOWEVER, AND NEVERTIIELESS, AS AN ADDITIONAL INDUCEMENT AND CONSID-
ERATION FOR LENDER'S AGREEMENT TO MAKE THIS LOAN I (WE) AGREE THAT I (WE)
MAY ONLY MAKE A PARTIAL PREPAYMENT ANNUALLY NOT TO EXCEED 2BI OF TIlE
ORIGINAL PRINCIPAL AMOUNT OF THE NOTE WITHOUT ANY PREPAYMENT CHARGE. PRE
PAYMENTS EXCEEDING 201 OF THE ORIGINAL PRINCIPAL AMOUNT OF TilE NOTE ARE
SUBJECT TO A PREPAYMENT CIlARGE OF TlIREE (3) I'nNTIlS' INTEREST AT TIlE RATE
STATED IN TillS NOTE. TilE LENBER WAIVES TilE PREPAYMENT CHARGE IF TltE
PROPERTY IS SOLO OR SUBSEQUENT FINANCING IS PROVIDED OY THE HARRIS SAVINGS
ASSOCIATION. IF I (WE) MAKE A PARTIAL PREPAYMENT. TIlERE WILL DE NO CHANGES
IN THE DUE DATE OR IN TilE AMOUNT OF :-IY (OUR) I'nNTlILY PAYMENT UNLESS TilE
LENDER AGREES IN WRlTlNG TO TIlOSE CIlANGES.
Borrower's Inltlals~::>;I)~
THIS FIXED RATE LOAN RIDER SIlALL BECOME NULL AND VOID IF THE
OBLIGATION EVIDENCED BY TilE NOTE IS SOLO OR ASSIGNED IN WHOLE OR IN PART
TO THE FEDERAL HOME LOAN MORTGAGE CORPORATION (FIlLHC) OR THE FEDERAL NATIONAL
I'nRTGAGE ASSOCIATION (FNMA) ONLY.
BY SIGNING BELOW, Borrower accepts and a~rees to the terms and
provisions c;alned In this Fixed Rate Jj Rider. /)
I ~ Un "'#'- ~~(J/
Witness. U.nol. ^, Se.lover
(SEAL)
(SEAL)
Witness
Dennis A. Sealover
3937 Brookridge Drive
Mechaniesburg, PA 17055
"
'.
IOHARRIS~
n SAVINGS BANK
Second and Pine Streets
P.O, Box 1711
Harrisburg, Pennsylvania 17105.1711
717n36...041
February 15, 1994
COVER LETI'ER FOR NOTICE OF INTENTION TO FORECLOSE MORTGAGE
Dear Mortgagor:
Enclosed herewith is the Notice of Intent of Foreclosure as required by Act 6. You have
previously received a Notice under Act 91 of 1983 which set out certain rights and remedies
available to you as a mortgagor in default.
,
The enclosed Act 6 Notice of Intention to Foreclose gives you notice of certain additional
remedies which are independent of any remedies and rights you have under Act 91. The total
of your rights includes both your rights,
Very truly yours,
Stacy Matala
Collection Counselor
SMlsjc
Enclosure:
ElCHIBI'r .C.
IOIIARRIS@
n SAVINGS BANK
Second and Pine Streets
1',0, Box \71\
Harrisburg. Pennsylvania \7105.\711
717/236-404\
February 15, 1994
NOTICE OF INTENTION TO FORECLOSE MORTGAGE
Dennis A. Sealover
3937 Brookridge Drive
Mechanicsburg, PA 17055
Dear Mortgagor:
'.
The MORTGAGE held by the Harris Savings Bank (hereafter we, us, or ours) on your
property located at 3937 Brookridge, Mechanicsburg, PA 17055 in SERIOUS DEFAULT
because you have not made a payments of $1,047.00 due for the month of December, 1993,
payments of$I,038.oo for the months of January, and February, 1994. Late charges (and other
charges) have also accrued to this date in the amount of $85,66, The total amount now required
to cure this default, or in other words, get caught up in YO\lr payments, as of the date of this
letter is $3,208,66.
You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying
to us the above amount of $3,208.66 plus any additional monthly payments which may fall due
during this period, Such payment must be made either by CASH, CASHIER'S CHECK,
CERTIFIED CHECK OR MONEY ORDER, and made at any of our offices.
If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our
right to accelerate the mortgage payments. This means that whatever iS,owing on the original
amount borrowed will be considered due immediately and you may lose the chance to payoff
the original mortgage in monthly installments. If full payment of the amount of default is not
made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to
foreclose your mortgaged property. If the mortgage is foreclosed, your property will be sold
by the sheriff to payoff the mortgage 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 attorneys fees will be added to whatever you owe us, whieh may also include our
reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be
required to pay attorneys fees, We may also sue you personally for the unpaid principal balance
and all other sums due under the mortgage.
(2)
'.
If you have not cured the default within the thirty day period and foreclosure proceedings
have begun, you still have the right to cure the default and prevent the sale at any time up to one
hour before the Sherifrs foreclosure sale. You may do so by paying the total amount of the
unpaid monthly payments plus any late or other charges then due, as the reasonable attorney's
fees and costs connected with the foreclosure sale (and perform any other requirements under
the mortgage). It is estimated that the earliest date that such a Sherifrs sale could be held would
be approximately September 7, 1994. A notice of the date of the Sherifrs sale wi1l be sent to
you before the sale. Of course the amount needed to cure the default wi1l increase the longer
you wait. you may find out at any time exactly what the required payment will be by calling
us that the fo\1owing number: 236-4041. This payment must be paid in cas:l, cashier's check,
certified check or money order and made payable to us at the address state above.
You should realize that a Sherifrs sale wi\1 end your ownership of the mortgaged
property and your right to remain in it. If you continue to live in the property after the sherifrs
sake, a lawsuit could be started to evict you. "
You have additional rights to help protect your interest in the property.
YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAYOFF
THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING
INSTITUTION TO PAYOFF THIS DEBT. (YOU MAY HAVE THE RIGHT TO SELL OR
TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OF
TRANSFER WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE
OUTSTANDING PAYMENTS, CHARGES AND ATITORNEY'S FEES AND COST ARE
PAID PRIOR TO OR AT THE SALE, (AND THAT THE OTHER REQUIREMENTS UNDER
THE MORTGAGE ARE SATISFIED). CONTACT US TO DETERMINE UNDER WHAT
CIRCUMSTANCES THIS RIGHT MIGHT EXIS1). YOU HAVE THE RIGHT TO HAVE
THIS DEFAULT CURED BY AND THIRD PARTY ACTING ON YOUR BEHALF.
If you cure the default, the mortgage will be restored to the same position as if no default
occurred. However, you are not entitled to this right to cure your default roore than three times
in one calendar year.
Sincerely yours,
J. W. Shader, Jr.
Collection/REO Manager
IWS/sjc
". -~
'. '.
...
~ . CompMl. :1..... 1 MdJOf 2 'Of ~UonU Mme.,.
. CompMlIl',"" 3. Md 4. . b.
I . I'MI yaw neme Iftd WcU... on IhI rewr.. of W, lorm 10 INI w. can
i "turn tNI card to .,ou.
>l! . AnKh IhI, 'orm 10 IN 'ront 0' IhI fMIlple". Of on the b.ck " .pec.
dol. not perml1.
l! . W",."A'\""'Aoc%tA_'ocI".."",..-boIowlhoonJclo_ .~..lrietod D.llv.ry
ti . ThlR'lUrnR~IW.aho\llflOwhornlheanldlw"dlN.,.redlftdlhldll' ,-_ IH
5 deiMvlred. Conlult Irmlltlf for f...
'I 3. Ani.l. Add..uod 10: 4. Ani.le Nu ber
I
fi
I .1.. wioh 10 ..c.lv. Ill.
foUowlng ..rvlc.. Ifo, en ..II. '
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f..I: r
1, 0 Add...."'. Add.... 0-
.
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..
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-'I
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~Ign.lu.. lAgenll
~
,; PS Form
. D.cember 1991
.u.s. GPO: 11111-a20714
'.
DOMESTIC RETURN RECEIPT
Z 7:1.9 944 220
~ Receipt for
Certified Mail
.. No Inlurlnc. Cav"lgl Pro\~:tld
~ 00 not UN for Int"nltlonal Mail
IS.. R,....'I..
C.,tdltd'"
Spec... o.w.y ,..
,,-.&fetld DMMry ,..
i "'1I.Il'"fte(alpISt\cM.1IIQ
... to Whom . 0.1. DIlMlId
'fi' .......n """I ShOwIng . Whom.
! 0.... II'lCI AllOr....... AckJr.u
rOIA' ..._ $
o. . f...
i POtltnl,k 01 0,"
I")
~ OriS.J1Y
.:5
4,
:.;
IDHARRISQP
o SAVINGS BANK
.
Second and Pine Streets
P,O. Bux 1711
Harrisburg, Pennsylvania 17105-1711
717/236-4041
February 15, 1994
RE: Account Number: 0104007713
TO: Dennis A. Sea1over, 3937 Brookridge Drive, Mechanicsburg, PA 17055
FROM: Harris Savings Bank, 2nd & Pine Streets, Harrisburg, PA 17101
Your mortgage 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 of the
delinquency is $3,208.66. That sum includes the following: Payments of $1,047,00 for the
month of December, 1993, payments of $1,038,00 for the months of January, and February,
1994 plus late charges totaling $85,66,
You may be eligible for financial assistance that will prevent foreclosure on your mortgage
if you comply with the provisions of the Homeowner's Emergericy Assistance Act of 1983. 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 your rights. .
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 have the right to arrange a
"facc-to-face" meeting with a designated consumer credit counseling agency. The purpose of
that meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency,
That meeting must occur in the next thirty (30) days.
If you attend a face-to-face meeting with a consumer credit counseling agency identified in
this notice, no further proceedings in mortgage foreclosure may take place thirty (30) days after
the date of that meeting.
The name, address and telephone number of our representative is:
Stacy Matala, Collection Counselor
Harris Savings Bank, Second & Pine Streets, Harrisburg, PA 17101
Telephone Number: 231-2907.
EllHIBI'l' "D"
(2)
The name and address of a designated consumer credit counseling agency is:
.
Urban League Of Metropolitan Hbg.
2S North Front St.
Harrisburg. PA 17101
Telephone Number: 717-234.5925
It is only necessary to schedule one face-ta-face meeting. You should advise this lender
immediately of your intentions.
If you have tried and are unable to resolve this problem at or after your face-ta-face
meeting, you have the right to apply for financial assistance from the Homeowners Emergency
Assistance Application with the Pennsylvania Housing Finance Agency. The consumer credit
counseling agency will assist you in filling out your application. It must be filed or postmarked
within Thirty (30) Days of your face-ta-face meeting.
You must either mail your application to the Pennsylvania'Housing Finance Agency or
you must file it at the office of the designated consumer credit counseling agency listed above,
The Pennsylvania Housing Financing Agency is located at 2101 N. Front Street, p, O.
Box 8029, HarriSburg, PA 17105. Telephone Number is (717) 780-3800 or 1-800-342-2397
(toll free).
An application for assistance may be obtained from this lender, for a consumer credit
counseling agency or directly from the Pennsylvania Housing Finance Agency.
It is extremely important that you file 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
against your home immediately,
Available funds for emergency mortgage assistance is 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 counseling agency will help you to fill out the application. 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 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 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 fmancial assistance from the Pennsylvania Housing Finance Agency, your home cannot
be foreclosed upon while you are receiving that assistance.
Very truly yours"
"
Stacy Mataia
Collection Counselor
SMlsjc
"
.
. . .
.
IUHARRIS~
IiI SAVINGS BANK
Second and Pine Streets
P,O, Box 1711
Harrisburg, PeMsylvania 17105.1711
717/236-4041
February IS, 1~4
"
The subscriber below of the U. S. Post Office located at the Federal Building, 228
Walnut Street, Harrisburg, PA, does hereby certify that an envelope was mailed with postage
repaid by First Class Mail from the Harris Savings Bank, addressed to Dennis A. Sealover, 3937
Brookridge Drive, Mechanicsburg, PA 17055 and it was properly deposited in the U. S. Mail
for delivery this 15th day of February, 1994.
U, S. Post Office
.:ft"l
By: ~.tA.II.,
Federal Building
Harrisburg, PA
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ROBERT E. MYERS
AnollNn AT I.A"
100 \'ORk IUlAn
...t~ CT"'I"RI."~U. PA. 17010
.
SHERIFF'S RETURN
CGlMONWEALTH OF PENNSYLVi\N1A:
COUNI'Y OF ClMBERLAND
In The Court of Common Pleas of
Cumberland County, Pennsylvania
NO. 94-2233 Civil Term
Complaint in Mortgage Foreclosure
and Notice
Harris Savings Bank, Formerly
Harris Savings Association
VS
Dennis A. Sealover
Michael Barrick
, ~~~~X~r Deputy Sheriff of
Cunberland County, Pennsylvania, who being duly sworn according to law, says,
that he served the within
Complaint in Mortgage Foreclosure and Notice
upon
Dennis A. Sealover
9:53 o'clock
. the defendant, at
A
.M. esfK/ EDST, on the
02
, 19 94at
day of
May
3937 Brookridge Dr., Mechanicsburg
. Cumberland County,
Pennsylvania, by handing to Denn is A. Sealover
a true and attested copy of the
Complaint in Mortgage Foreclosure and Notice
,
and at the same time directing
his
attention to the contents thereof and
the "Notice to Plead" endorsed thereon.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So answers:
14.00
7.84
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2.00
23.84 Pd. by Atty.
5-03-94
bY2L ~/d:'
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Deputy Sheri
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Sworn and subscribed to before Ire
this 1r!--
day of /11 ~
19 vY A.D.
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Prothonotary
.
HARRIS SAVINGS BANK, formerly
HARRIS SAVINGS ASSOCIATION,
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
plaintiff,
CIVIL ACTION - LAW
vs.
DENNIS A. SEALOVER,
: NO.: 94-2233 Civil Term
Defendant.
: IN MORTGAGE FORECLOSURE
TO THE PROTHONOTARY:
please enter Judgment in favor of the plaintiff and against
the Defendant, DENNIS A. SEALOVER for failure to file an answer or
any other pleading to the Plaintiff's Complaint within twenty (20)
days from service thereof, in rem, for foreclosure and sale of the
mortgaged property and in personam in the amount of $106,345.73,
and assess Plaintiff's damages as follows:
Principal and interest through 4/30/94:
Interest from 4/30/94 to 10/07/94:
Late Charges:
Attorney's collection fee:
$ 96,742.08
$ 4,506.70
$ 259.95
$ 4,837.00
$106,345.73
,
TOTAL
DATED: June~, 1994
RO~ESQUIRE
Attorney for Plaintiff
I. D. No.: 09729
,,--
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AND NOW, -.J \I""''^-
favor of the plaintiff and against DENNIS
Defendant, in rem for foreclosure and sale
property, and in personam in the amQunt of
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HARRIS SAVINGS BANK, formerly
HARRIS SAVINGS ASSOCIATION,
: IN THE COURT OF COMMON PLEAS
: CmlBERLAND COUNTY, PENNSYLVANIA
Plaintiff,
CIVIL ACTION - LAW
vs.
.;
DENNIS A. SEALOVER,
NO.: 94-2233 Civil Term
Defendant.
J.N MORTGAGE FORECLOSURE
PRAECIPE FOR WRIT OF EXECUTION (MONEY JUDGMENTS)
Pa.R.C.P. 3101 to 3149
c
To the Prothonotary: ISSUE WRIT OF EXECUTION IN THE ABOVE MATTER,
(1) Directed to the Sheriff of Cumberland County, Pennsylvania;
(2) against DENNIS A. SEALOVER Defendant;
(3) and index this Writ against DENNIS A. SEALOVER, Defendant, as
a lis pendens against the real property of the Defendant as
follows:
ALL that certain tract of land, together with the improvements
thereon erected, situate in the Township of Hampden, County of
Cumberland and State of Pennsylvania, being known as 3937
Brookridge Drive, Mechanicsburg, Pennsylvania, 17055, and more
specifically set forth in Exhibit "A" attached hereto and made a
part hereof by reference.
(4) Amount due:
$106,345.73, plus costs.
DATED: June~, 1994
RO~' ESQUIRE
Attorney for Plaintiff
I. D. No.: 09729
..'
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LEGAL DESCRIPTION
ALL that certain tract or parcel of land situate in the Hampden
Township, Cumberland County, Pennsylvania, more particularly
bounded and described as follows, to wit:
BEGINNING at a point on the northeastern corner of the intersection
of Ridgeland Boulevard and Brookridge Drive as more fully appears
on the hereinafter mentioned plan of lots; thence along the eastern
line of Brookridge Drive measured in a northeasterly direction on
a curve to the right having a radius of 375 feet, an arc distance
of 100.80 feet to a point; thence continuing along Brookridge Drive
North 17 degrees 45 minutes 00 seconds East 50.64 feet to a point;
thence South 72 degrees 15 minutes 00 seconds East along the line
of ad joiner between Lots 141 and 140 on plan 153.24 feet to a
point; thence South 02 dedgrees 41 minutes 00 seconds East 91.98
feet to a point on the northern line of Ridgeland Boulevard; thence
along the northern line of Ridgeland Boulevard South 87 degrees 19
minutes 00 seconds \~est 183.43 feet to a point, the place of
BEGINNING.
BEING Lot 141 on the Final Subdivision Plan No. 11 of Ridgeland as
recorded in Cumberland County Plan Book 47, Page 124.
BEING THE SAME PREMISES which Ridgeland Associates, a Pennsylvania
partnership, by deed dated June 6, 1985 and recorded in Deed Book
1-3l, Page 1012, granted and conveyed unto the mortgager herein.
UNDER AND SUBJECT, NEVERTHELESS, to conditions, restrictions,
rights-of-way and easements of prior record pertaining to said
premises.
HAVING THEREON ERECTED a two story brick and vinyl dwelling with
a rear deck and attached two car garage,
Parcel No.: 10-27-1035-149
EXHIBIT wAw
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HARRIS SAVINGS BANK, formerly
HARRIS SAVINGS ASSOCIATION,
: IN THE COURT OF CO~ION PLEAS
: CUHBERLAND COUNTY, PENNSYLVANIA
Plaintiff,
CIVIL ACTION - LAW
vs.
DENNIS A. SEALOVER,
NO.: 94-2233 Civil Term
Defendant.
IN MORTGAGE FORECLOSURE
AFFIDAVIT OF MORTGAGE FORECLOSURE
COMMONWEALTH OF PENNSYLVANIA )
) SS:
COUNTY OF YORK )
PURSUANT TO Pa.R.C.P. No. 3129.1, the Plaintiff, HARRIS
S)l."TNGS BANK, by its Attorney, Robert E. Hyers, Esquire, makes this
AIl..I,davit that the last known address of the Defendant is as
follows:
3937 Brookridge Drive, Mechanicsburg, Pennsylvania,
17055.
Further deponent saith that the said address is believed to
be the last known address of the owner or reputed owner of the said
property levied upon in the wi thin captioned matter.
deponent saith not.
Further
~~RS' ESQUIRE
Sworn and subscriAed to before
7'" day of .:::J fl,) ef'
CAa.l)f(for,'-'l . ;,0 ~..llll/,(tl-1 /
NOTARY PUBI:fC
My Commission Expires:
me this
, 1994.
kalNeen oNotarial Seal
f;' .~.~PtbIc
My~v.p, \bIkCoUnly
I Expites June 9, 1996
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HARRIS SAVINGS BANK, formerly
HARRIS SAVINGS ASSOCIATION,
: IN THE COURT OF COMloION PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
.
.
Plaintiff,
CIVIL ACTION - LAW
vs.
DENNIS A. SEALOVER,
NO.: 94-2233 Civil Term
Defendant.
IN MORTGAGE FORECLOSURE
AFFIDAVIT PURSUANT TO PA.R.C.P. NO. 3129.1
HARRIS SAVINGS BANK, the Plaintiff in the above action, sets
forth as of the date the Praecipe for Writ of Execution was filed,
the following information concerning the real property located at
3937 Brookridge Drive, Mechanicsburg, Hampden Township, Cumberland
County, Pennsylvania, 17055, more particularly set forth on Exhibit
"A" attached hereto and made a part hereof by reference.
1. Names and addresse of Owner or Reputed Owner:
DENNIS A. SEALOVER
3937 Brookridge Drive
Mechanicsburg, PA 17055
2. Name and address of Defendant in the Judgment:
DENNIS A. SEALOVER
3937 Brookridge Drive
Mechanicsburg, PA 17055
3. Name and last known address of every judgment creditor
whose judgment is a record lien on the real property to be sold:
Charles C. Loose & Son, Inc.
West Stoever Avenue
Myerstown, PA 17067
Judgment
Entered: 12/16/92
4283 civil 1992
$2,246.00
Eberly Lumber Company
135 West Allen Street
Mechanicsburg, PA 17055
Judgement
Entered: 10/23/92
3759 civil 1992
$20,917.76
Morrison, Inc.
63 Gambers Corner Road
Duncannon, PA 17020
Judgement
Entered: 12/1/92
4233 civil 1993
$16,355.00
American Aluminum & Insulation
150 Fulling Mill Road
Middletown, PA 17057
Judgement
Entered:
244 Civil
$2,662.18
1/25/93
1992
Hempt Bros., Inc.
205 Creek Road
Camp Hill, PA 17011
Judgement
Entered: 12/20/93
3701 Civil 1992
$3,215.35
Commonwealth of Pennsylvania
Department of Labor and Industry
Unemployment Compensation Fund
Seventh and Forster Streets
Harrisburg, PA 17120
Judgment
Entered: 5/25/94
2399 Civil 1994
$2,096.31
Waggoner, Frutiger & Daub
3310 Market Street
Camp Hill, PA 17011-4484
Judgment
Entered: 10/14/93
1063 civil 1993
$$2,447.50
4. Name and address of the last recorded holder of every
mortgage of record:
Harris Savings Association,
now Harris Savings Bank
Second and pine Streets
Harrisburg, PA 17101
Mtg. Dated: 6/24/86
Mtg. Recorded: 6/25/86
Mtg. Book 820, Page 673
$97,600.00
Cumberland County
Harris Savings Association,
now Harris Savings Bank
Second and pine Streets
Harrisburg, PA 17107
Mtg. Dated: 11/5/90
Mtg. Recorded: 11/8/90
Mtg. Book 996, Page 184
$37,000.00
Cumberland County
First Bank and Trust Co.
Main and Market Streets
Mechanicsburg, PA 17055
Mtg. Dated: 6/25/92
Mtg. Recorded: 8/21/92
Mtg. Book 1083, Page 1029
$25,000.00
Cumberland County
5. Name and address of every other person who has any record
lien on their property:
None.
6.
interest
sale:
Name and address of every other person who has any record
in the property and whose interest may be affected by the
None.
7. Name and address of every other person of whom the
plaintiff has knowledge who has any interest in the property which
may be affected by the sale:
None.
I verify that the statements made in this Affidavit are true
and correct to the best of my personal knowledge or information and
belief. I understand that false statements herein are made subject
to the penalties of 18 Pa.C.S.A. Section 4904 relating to unsworn
falsification to authorities.
DATED: June f
, 1994
~RS' ESQUIRE
Attorney for Plaintiff
"
LEGAL DESCRIPTION
ALL that certain tract or parcel of land situate in the Hampden
Township, Cumberland County, Pennsylvania, more particularly
bounded and described as follows, to wit:
BEGINNING at a point on the northeastern corner of the intersection
of Ridge1and Boulevard and Brookridge Drive as more fully appears
on the hereinafter mentioned plan of lots; thence along the eastern
line of Brookridge Drive measured in a northeasterly direction on
a curve to the right having a radius of 375 feet, an arc distance
of 100.80 feet to a point; thence continuing along Brook ridge Drive
North 17 degrees 45 minutes 00 seconds East 50.64 feet to a point;
thence South 72 degrees 15 minutes 00 seconds East along the line
of ad joiner between Lots 141 and 140 on plan 153.24 feet to a
point; thence South 02 dedgrees 41 minutes 00 seconds East 91.98
feet to a point on the northern line of Ridge1and Boulevard; thence
along the northern line of Ridgeland Boulevard South 87 degrees 19
minutes 00 seconds West 183.43 feet to a point, the place of
BEGINNING.
BEING Lot 141 on the Final Subdivision Plan No. 11 of Ridgeland as
recorded in Cumberland County Plan Book 47, Page 124.
BEING THE SAME PREMISES which Ridge1and Associates, a Pennsylvania
partnership, by deed dated June 6, 1985 and recorded in Deed Book
1-3l, Page 1012, granted and conveyed unto the mortgager herein.
UNDER AND SUBJECT, NEVERTHELESS, to conditions, restrictions,
rights-of-way and easements of prior record pertaining to said
premises.
HAVING THEREON ERECTED a two story brick and vinyl dwelling with
a rear deck and attached two car garage,
Parcel No.: 10-27-1035-149
EXHIBIT -A-
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HARRIS SAVINGS BANK, formerly
HARRIS SAVING ASSOCIATION
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff,
CIVIL ACTION - LAW
vs.
.
.
DENNIS A. SEALOVER,
NO.: 94-2233 Civil Term
Defendant.
: IN MORTGAGE FORECLOSURE
NOTICE OF SHERIFF'S SALE OF REAL ESTATE
UNDER PA.R.C.P. NO. 3129
TO: DENNIS A. SEALOVER, the above Defendant:
TAKE NOTICE TO THE FOLLOWING:
1. The premises which are subject to be sold at the
Sheriff's Sale in the above-captioned action is 3937 Brookridge
Drive, Mechanicsburg, Hampden Township, Cumberland County,
Pennsylvania, 17055. A complete description is in Exhibit "A"
which is attached hereto and made a part hereof.
2. The improvements situate on the premises consist of a two
story brick and vinyl dwelling with a rear deck and attached two
car garage.
3. The Judgment of the Court on which this sale is being
held is entered to No. 94-2233 Civil Term.
4. The names of the owner is: Dennis A. Sealover, whose
last known address is 3937 Brookridge Drive, Mechanicsburg,
Cumberland County, Pennsylvania, 17055.
5. The time and place of the Sheriff's Sale is 10:00 a.m.,
prevailing local time, on the 7th day of September, 1994, in the
Commissioner's Hearing Room, Second Floor, new Court House, corner
of Hanover and High Streets, Carlisle, Pennsylvania, 17013.
6. If you have any questions concerning this Notice, you
should contact an attorney. If you cannot afford an attorney, you
should contact:
Lawyer Referral Service
Cumberland County Bar Association
Cumberland County Court House
Carlisle, Pennsylvania 17013
(717) 249-1133
7. A Schedule of Distribution being a list of the persons,
governmental, corporate entities or agencies being entitled to
receive part of the proceeds of sale executed to be disbursed by
the Sheriff will be filed by the Sheriff on a date specified by the
Sheriff not later than thirty (30) days after the Sheriff's Sale,
and that distribution will be wi thin ten (10) days thereafter.
Information about the Schedule of Distribution may be obtained from
the Sheriff of the Court of Common Pleas of Cumberland County,
Pennsylvania, Cumberland County Court House, Carlisle,
Pennsylvania, 17013, (717) 249-1133.
8. In certain situations where the property is worth less
than the judgment and costs, Harris Savings Bank can obtain a
deficiency judgment upon which execution could again issue against
other property of the above Defendants.
9. THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF THE SALE
OF YOUR PROPERTY. It has been issued because there is a judgment
against you. It may cause your property to be sold or taken to pay
the judgment. You may have legal rights to prevent your property
from being taken. A lawyer can advise you more specifically of
these rights. If you wish to exercise your rights, you must act
promptly.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO
TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU
CAN GET FREE LEGAL ADVICE:
Lawyer Referral Service
Cumberland County Bar Association
Cumberland County Court House
Carlisle, PA 17013
(717) 249-1133
10. THE LEGAL RIGHTS YOU MAY HAVE ARE:
A. You may file a Petition with the Court of Common
Pleas of Cumberland County to open the judgment if you have a
meritorious defense against the person or company that has entered
judgment against you. You may also file a Petition to Strike said
judgment with the same Court if you are aware of a legal defect in
the obligation or procedure used against you. You may also file
a Petition to Stay or Delay the Execution and the Sheriff's Sale
if you can show a defect in the Writ of Execution or service or
demonstrate any other legal or equitable rights.
B. After the Sheriff's Sale, you may file a Petition
with the Court of Common Pleas of Cumberland County to set aside
the sale for a grossly inadequate price or for other proper cause.
This petition must be filed before the Sheriff's Deed is delivered.
C. A Petition or petitions raising the legal issues or
rights mentioned in tl.e preceding paragraphs must be presented to
the Court of Common Pleas of Cumberland County at one of the
Court's regularly scheduled business Court sessions. The Petition
should be served on the attorney for the creditor at least two (2)
business days before presentation to the Court, and a proposed
Order or Rule must be attached to the Petition. If a specific
return date is desired, such date must be obtained from the Court
Administrator's Office, 1 Court House Square, Fourth Floor,
Carlisle, Pennsylvania, 17013, before presentation of the petition
to the Court.
D. You have certain legal exemptions from the Sheriff's
Sale which mayor may not apply.
DATED: June~, 1994
MYERS, ESQUIRE
for Plaintiff
Sworp and SUbscrib.)~d to before me this
7_1'1, day of "JI.v1U , 1994.
\.._~~Y/t{!(/[)AL' ~p ~})lY/!.Vv
I NOTARY PUBLI~
My Commission Expires:
NolatIaJ SooI
Kathleen 0, Snyder, NolaIy Public
FIl1l\'iew T"P.:fork Counly
My Conmssion ElljllIllS.AJne 9. 1996
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LEGAL DESCRIPTION
ALL that certain tract or parcel of land situate in the Hampden
Township, Cumberland County, Pennsylvania, more particularly
bounded and described as follows, to wit:
BEGINNING at a point on the northeastern corner of the intersection
of Ridge1and Boulevard and Brookridge Drive as more fully appears
on the hereinafter mentioned plan of lots; thence along the eastern
line of Brookridge Drive measured in a northeasterly direction on
a curve to the right having a radius of 375 feet, an arc distance
of 100.80 feet to a point; thence continuing along Brookridge Drive
North 17 degrees 45 minutes 00 seconds East 50.64 feet to a point;
thence South 72 degrees 15 minutes 00 seconds East along the line
of ad joiner between Lots 141 and 140 on plan 153.24 feet to a
point; thence South 02 dedgrees 41 minutes 00 seconds East 91.98
feet to a point on the northern line of Ridgeland Boulevard; thence
along the northern line of Ridgeland Boulevard South 87 degrees 19
minutes 00 seconds West 183.43 feet to a point, the place of
BEGINNING.
BEING Lot 141 on the Final Subdivision Plan No. 11 of Ridge1and as
recorded in Cumberland County Plan Book 47, Page 124.
BEING THE SAME PREMISES which Ridgeland Associates, a Pennsylvania
partnership, by deed dated June 6, 1985 and recorded in Deed Book
1-3l, Page 1012, granted and conveyed unto the mortgager herein.
UNDER AND SUBJECT, NEVERTHELESS, to conditions, restrictions,
rights-of-way and easements of prior record pertaining to said
premises.
HAVING THEREON ERECTED a two story brick and vinyl dwelling with
a rear deck and attached two car garage,
Parcel No.: 10-27-1035-149
EXHIBIT -A-
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HARRIS SAVINGS BANK, formerly
HARRIS SAVINGS ASSOCIATION
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff,
CIVIL ACTION - LAW
vs.
:
DENNIS A. SEALOVER,
: NO.: 94-2233 Civil Term
Defendant.
IN MORTGAGE FORECLOSURE
AFFIDAVIT OF NON-MILITARY SERVICE
BEFORE ME, a Notary Public, personally appeared ROBERT E.
MYERS, Attorney for Harris Savings Bank, the Plaintiff in the
above-entitled case, who being duly sworn or affirmed according to
law deposes and says that the Defendant or Respondent above-named
is not in the military service of the United States of America;
that he has personal knowledge that the said Defendant or
Respondent is now living at 3937 Drookridge Drive, Mechanicsburg,
Hampden Township, Cumberland County, Pennsylvania, 17055, and was
last known employed at or by as follows:
Dennis A. Sealover: Self-Employed Contractor
3810 Market Street
Camp Hill, PA 17011
rJ!!~s,
ESQUIRE
SWOR~ and subscribe
7~JL- day of
l /
to before me this
L""L"-~ , 1994.
k
NOTARY PUBL
My Commission Expires:
Ka1rIoen D~ Seal
FOlI\iew T"}J, y'~ PubIc
My Conmss.on Expres June 9 1996
"--
.
Writ No. 94-2233 Civil Term
R. Thomas Kline, Sheriff, who being duly sworn according to
law, says this writ is returned STAYED.
Sheriff's CostSI
Docketing
Poundage
Law Library
County
Surcharge
Postpone Sale
Advance Costs
Sheriff's Costs
Paid to Atty
781' .11
31.11
750:00
18.00
.61
.50
1.00
4.00
7.00
31.11
Pd. by Atty. 6-20-94
THIS WRIT IS RETURNED STAYED 6-20-94
Sworn and subcribed to before me
So answe.J;S.I"'/.... /~
:r:~'''fd-::''''.;7'"J.~< 1 :::r~
R. Thomas Kline, Sheriff
this .l 'I ~
day of 9,., -
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rcthonotary' r
(Jill -v,,-
1994, A.D.
by
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Deputy Sheriff
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REAL ESTATE SALE No.
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intflmst In the real property '*rJ;ltad in 1/0 ))(f.l:.~ ..)f~.>",~
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W1UT OF EXEX:\Jl'ION and/or ATTJIOfoIENl'
94-2233 Civil Term
CIVIL 19
CIVIL ACTION - LAW
CCM>OrwIEAL'Ill OF PENNSYLVANIA)
COUNI'Y OF CLMBERLAND )
No.
TO THE SHERIFF OF
CUMBERLAND
COUNl'Y :
To satisfy the debt, interest
Harris Savings Association
fran Dennis a. Sealover, 3927
and costs due Harris Savings Bank, formerly
PLAINl'IFF( S)
Brookridge Drive, Mechanicsburg PA 17055.
DEFENDANl'(S)
(1) You are directed to levy upon the property of the defendant (s) and to sell
3937 Brookridge Drive, 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 garnishee(s) that: (a) an attachment has been issued: (b) the
garnishee(s) is/are enjoined fran paying any debt to or for the account of the defendant(s)
and fran delivering any property of the defendant ( s) or otherwise 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 notify
him/her that he/she has been added as a garnishee and is enjoined as above stated.
Airount D.Je $106,345.73
L.L.
D.Je Prothy
Other Costs
$.50
$1.00
Interest
Atty's Conrn %
Atty Paid $95.84
Plaintiff Paid
DATE:
June 9, 1994
Lawrence E. Welker
Prothonotary,
by: ,.
Deputy
,
(
REQUESTING PARTY:
Name Robert E. Myers, Esq.
Address: 100 Old York Road
New Cumberland PA 17070
Attorney for: Plaintiff
Telephone: (717) 774 3163
Supreme Court 10 No. 09729
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-
HARRIS SAVINGS BANK, formerly
HARRIS SAVING ASSOCIATION
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
:
Plaintiff,
: CIVIL ACTION - LAW
vs.
:
:
DENNIS A. SEALOVER,
: NO.: 94-2233 Civil Term
.
.
Defendant.
: IN MORTGAGE FORECLOSURE
NOTICE OF SHERIFF'S SALE OF REAL ESTATE
UNDER PA.R.C.P. NO. 3129
TO: DENNIS A. SEALOVER, the above Defendant:
TAKE NOTICE TO THE FOLLOWING:
1. The premises which are subject to be sold at the
Sheriff's Sale in the above-captioned action is 3937 Brookridge
Drive, Mechanicsburg, Hampden Township, Cumberland County,
Pennsylvania, 17055. A complete description is in Exhibit "A"
which is attached hereto and made a part hereof.
2. The improvements situate on the premises consist of a two
story brick and vinyl dwelling with a rear deck and attached two
car garage.
3. The Judgment of the Court on which this sale is being
held is entered to No. 94-2233 Civil Term.
4. The names of the owner is: Dennis A. Sealover, whose
last known address is 3937 Brookridge Drive, Mechanicsburg,
Cumberland County, Pennsylvania, 17055.
5. The time and place of the Sheriff's Sale is 10:00 a.m.,
prevailing local time, on the 7th day of September, 1994, in the
Commissioner's Hearing Room, Second Floor, new Court House, corner
of Hanover and High Streets, Carlisle, Pennsylvania, 17013.
."
,
6. If you h~ve any questions concerning this Notice, you
should contact an attorney. If you cannot afford an attorney, you
should contact:
Lawyer Referral Service
Cumberland County Bar Association
Cumberland County Court House
Carlisle, Pennsylvania 17013
(717) 249-1133
7. A Schedule of Distribution being a list of the persons,
governmental, corporate entities or agencies being entitled to
receive part of the proceeds of sale executed to be disbursed by
the Sheriff will be filed by the Sheriff on a date specified by the
Sheriff not later than thirty (30) days after the Sheriff's Sale,
and that distribution will be wi thin ten (10) days thereafter.
Information about the Schedule of Distribution may be obtained from
the Sheriff of the Court of Common Pleas of Cumberland County,
Pennsylvania, Cumberland County Court House, Carlisle,
Pennsylvania, 17013, (717) 249-1133.
8. In certain situations where the property is worth less
than the judgment and costs, Harris Savings Bank can obtain a
deficiency judgment upon which execution could again issue against
other property of the above Defendants.
9. THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF THE SALE
OF YOUR PROPERTY. It has been issued because there is a judgment
against you. It may cause your property to be sold or taken to pay
the judgment. You may have legal rights to prevent your property
from being taken. A lawyer can advise you more specifically of
these rights. If you wish to exercise your rights, you must act
promptly.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO
TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU
CAN GET FREE LEGAL ADVICE:
Lawyer Referral Service
Cumberland County Bar Association
Cumberland County Court House
Carlisle, PA 17013
(717) 249-1133
.~~.
,
10. THE LEGAL RIGHTS YOU MAY HAVE ARE:
A. You may file a Petition with the Court of Common
Pleas of Cumberland County to cpen the judgment if you have a
meritorious defense against the person or company that has entered
judgment against you. You may also file a Petition to Strike said
judgment with the same Court if you are aware of a legal defect in
the obligation or procedure used against you. You may also file
a Petition to Stay or Delay the Execution and the Sheriff's Sale
if you can show a defect in the Writ of Execution or service or
demonstrate any other legal or equitable rights.
B. After the Sheriff's Sale, you may file a Petition
with the Court of Common Pleas of Cumberland County to set aside
the sale for a grossly inadequate price or for other proper cause.
This Petition must be filed before the Sheriff's Deed is delivered.
C. A Petition or Petitions raising the legal issues or
rights mentioned in the preceding paragraphs must be presented to
the Court of Common Pleas of Cumberland County at one of the
Court's regularly scheduled business Court sessions. The Petition
should be served on the attorney for the creditor at least two (2)
business days before presentation to the Court, and a proposed
Order or Rule must be attached to the Petition. If a specific
return date is desired, such date must be obtained from the Court
Administrator's Office, 1 Court House Square, Fourth Floor,
Carlisle, Pennsylvania, 17013, before presentation of the Petition
to the Court.
D. You have certain legal exemptions from the Sheriff's
Sale which mayor may not apply.
DATED: June~, 1994
MYERS, ESQUIRE
for Plaintiff
Sworp and SUbscri~d to before me this
7z!"JL. day of ~ , 1994.
( 0
~/{(FjJft(!t1:#L, /..,0 A1 ~
I NOTARY PUBLI;!
My Commission Expires:
NolariaI Seal
Kathleen D. Snydor, Nocaty PlAlIc
F-T"'P"Vorl<Coi.rlly
My Comrrission Expires.m, 9, 1996
'-- ...
LEGAL DESCRIPTION
. .
ALL that certain tract or parcel of land situate in the Hampden
Township, Cumberland County, Pennsylvania, more particularly
bounded and described as follows, to wit:
BEGINNING at a point on the northeastern corner of the intersection
of Ridgeland Boulevard and Brookridge Drive as more fully appears
on the hereinafter mentioned plan of lots; thence along the eastern
line of Brookridge Drive measured in a northeasterly direction on
a curve to the right having a radius of 375 feet, an arc distance
of 100.80 feet to a point; thence continuing along Brookridge Drive
North 17 degrees 45 minutes 00 seconds East 50.64 feet to a point;
thence South 72 degrees 15 minutes 00 seconds East along the line
of ad joiner between Lots 141 and 140 on plan 153.24 feet to a
point; thence South 02 dedgrees 41 minutes 00 seconds East 91.98
feet to a point on the northern line of Ridgeland Boulevard; thence
along the northern line of Ridge1and Boulevard South 87 degrees 19
minutes 00 seconds West 183.43 feet to a point, the place of
BEGINNING.
BEING Lot 141 on the Final Subdivision Plan No. 11 of Ridgeland as
recorded in Cumberland County Plan Book 47, Page 124.
BEING THE SAME PREMISES which Ridge1and Associates, a Pennsylvania
partnership, by deed dated June 6, 1985 and recorded in Deed Book
1-31, Page 101~, granted and conveyed unto the mortgager herein.
UNDER AND SUBJECT, NEVERTHELESS, to conditions, restrictions,
rights-of-way and easements of prior record pertaining to said
premises.
HAVING THEREON ERECTED a two story brick and vinyl dwelling with
a rear deck and attached two car garage,
Parcel No.: 10-27-1035-149
EXHIBIT -A-
'.~
HARRIS SAVINGS BANK, formerly
HARRIS SAVINGS ASSOCIATION,
: IN THE COURT OF COMMON PLEAS
: CU~IBERLAND COUNTY, PENNSYLVANIA
Plaintiff,
: CIVIL ACTION - LAW
vs.
.
.
DENNIS A. SEALOVER,
NO.: 94-2233 Civil Term
Defendant.
: IN MORTGAGE FORECLOSURE
AFFIDAVIT OF MORTGAGE FORECLOSURE
COMMONWEALTH OF PENNSYLVANIA )
) SS:
COUNTY OF YORK )
PURSUANT TO Pa.R.C.P. No. 3129.1, the Plaintiff, HARRIS
SAVINGS BANK, by its Attorney, Robert E. Myers, Esquire, makes this
Affidavit that the last known address of the Defendant is as
follows:
3937 Brookridge Drive, Mechanicsburg, Pennsylvania,
17055.
Further deponent saith that the said address is believed to
be the last known address of the owner or reputed owner of the said
property levied upon in the wi thin captioned matter.
deponent saith not.
Further
~iii.RS' ESQUIRE
before me this.
, 1994.
/
NOTARY PUB
My Commission Expires:
I<ait*'en D~ Seal
FIIiM&.oi~'~F'l.OIc
MyCatmsso, "1l. ~Coi.nly
lbpoOS.AJno9,1996
HARRIS SAVINGS BANK, formerly
HARRIS SAVINGS ASSOCIATION
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff,
CIVIL ACTION - LAW
vs.
DENNIS A. SEALOVER,
: NO.: 94-2233 Civil Term
Defendant.
IN MORTGAGE FORECLOSURE
AFFIDAVIT OF NON-MILITARY SERVICE
BEFORE ME, a Notary Public, personally appeared ROBERT E.
MYERS, Attorney for Harris Savings Bank, the plaintiff in the
above-entitled case, who being duly sworn or affirmed according to
law deposes and says that the Defendant or Respondent above-named
is not in the military service of the United States of America 1
that he has personal knowledge that the said Defendant or
Respondent is now living at 3937 Brookridge Drive, Mechanicsburg,
Hampden Township, Cumberland County, Pennsylvania, 17055, and was
last known employed at or by as follows:
Dennis A. Sea1over:
Self-Employed Contractor
3810 Market Street
Camp Hill, PA 17011
rJ!.~s.
ESQUIRE
swoRland sUbscribetl to before me this
~ day of f/t~~' 1994.
-4aM~/;j, ~
NOTARY PUBLIC
My Commission Expires:
NocatIal Seal
I<aiNeonD,~ Notary"'~
FlllMe.YT>>p" YOt1<~--
My Conmss.cn bpies Juno 9 1996
"---
"
AFFIDAVIT PURSUANT TO PA.R.C.P. NO. 3129.1
HARRIS SAVINGS BANK, the Plaintiff in the above action, sets
forth as of the date the Praecipe for Writ of Execution was filed,
the following information concerning the real property located at
3937 Brookridge Drive, Mechanicsburg, Hampden Township, Cumberland
County, Pennsylvania, 17055, more particularly set forth on Exhibit
"A" attached hereto and made a part hereof by reference.
1. Names and addresse of Owner or Reputed Owner:
DENNIS A. SEAL OVER
3937 Brookridge Drive
Mechanicsburg, PA 17055
2. Name and address of Defendant in the Judgment:
DENNIS A. SEALOVER
3937 Brookridge Drive
Mechanicsburg, PA 17055
.
;-1
~.. -.-
,.-
-
3. Name and last known address of every judgment creditor
whose judgment is a record li~n on the r~al property to be sold:
Charles C. Loose & Son, Inc.
West Stoever Avenue
Myerstown, PA 17067
Judgment
Entered: 12/16/92
4283 Civil 1992
$2,246.00
Eberly Lumber Company
135 West Allen Street
Mechanicsburg, PA 17055
Judgement
Entered: 10/23/92
3759 Civil 1992
$20,917.76
Morrison, Inc.
63 Gambers Corner Road
Duncannon, PA 17020
Judgement
Entered: 12/1/92
4233 Civil 1993
$16,355.00
American Aluminum & Insulation
150 Fulling Mill Road
Middletown, PA 17057
Judgement
Entered: 1/25/93
244 Civil 1992
$2,662.18
Hempt Bros., Inc.
205 Creek Road
Camp Hill, PA 17011
Judgement
Entered: 12/20/93
3701 Civil 1992
$3,215.35
Commonwealth of Pennsylvania
Department of Labor and Industry
Unemployment Compensation Fund
Seventh and Forster Streets
Harrisburg, PA 17120
Judgment
Entered: 5/25/94
2399 Civil 1994
$2,096.31
Waggoner, Frutiger & Daub
3310 Market Street
Camp Hill, PA 17011-4484
Judgment
Entered: 10/14/93
1063 Civil 1993
$$2,447.50
4. Name and address of the last recorded holder of every
mortgage of record:
Harris Savings Association,
now Harris Savings Dank
Second and pine Streets
Harrisburg, PA 17101
Mtg. Dated: 6/24/86
Mtg. Recorded: 6/25/86
Mtg. Book 820, Page 673
$97,600.00
Cumberland County
Harris Savings Association,
now Harris Savings Bank
Second and Pine Streets
Harrisburg, PA 17107
Mtg. Dated: 11/5/90
Mtg. Recorded: 11/8/90
Mtg. Book 996, Page 184
$37,000.00
Cumberland County
:.;
First Bank and Trust Co.
Main and Market Streets
Mechanicsburg, PA 17055
Mtg. Dated: 6/25/92
Mtg. Recorded: 8/21/92
Mtg. Book 1083, Page 1029
$25,000.00
Cumberland County
5. Name and address of every other person who has any record
lien on their property:
None.
6.
interest
sale:
Name and address of every other person who has any record
in the property and whose interest may be affected by the
None.
7. Name and address of every other person of whom the
Plaintiff has knowledge who has any interest in the property which
may be affected by the sale:
None.
I verify that the statements made in this Affidavit are true
and correct to the best of my personal knowledge or information and
belief. I understand that false statements herein are made subject
to the penalties of 18 Pa.C.S.A. Section 4904 relating to unsworn
falsification to authorities.
DATED: June f
, 1994
~RS' ESQUIRE
Attorney for Plaintiff
LEGAL DESCRIPTION
., '
ALL that certain tract or parcel of land situate in the Hampden
Township, Cumberland County, Pennsylvania, more particularly
bounded and described as follows, to wit:
BEGINNING at a point on the northeastern corner of the intersection
of Ridgeland Boulevard and Brookridge Drive as more fully appears
on the hereinafter mentioned plan of lots; thence along the eastern
line of Brookridge Drive measured in a northeasterly direction on
a curve to the right having a radius of 375 feet, an arc distance
of 100.80 feet to a point; thence continuing along Brookridge Drive
North 17 degrees 45 minutes 00 seconds East 50.64 feet to a point;
thence South 72 degrees 15 minutes 00 seconds East along the line
of ad joiner between Lots 141 and 140 on plan 153.24 feet to a
point; thence South 02 dedgrees 41 minutes 00 seconds East 91.98
feet to a point on the northern line of Ridgeland Boulevard; thence
along the northern line of Ridgeland Boulevard South 87 degrees 19
minutes 00 seconds West 183.43 feet to a point, the place of
BEGINNING.
BEING Lot 141 on the Final Subdivision Plan No. 11 of Ridgeland as
recorded in Cumberland County Plan Book 47, Page 124.
BEING THE SAME PREMISES which Ridgeland Associates, a Pennsylvania
partnership, by deed dated June 6, 1985 and recorded in Deed Book
1-3l, Page 1012, granted and conveyed unto the mortgager herein.
UNDER AND SUBJECT, NEVERTHELESS, to conditions, restrictions,
rights-of-way and easements of prior record pertaining to said
premises.
HAVING THEREON ERECTED a two story brick and vinyl dwelling with
a rear deck and attached two car garage,
Parcel No.: 10-27-1035-149
EXHIBIT -A-
."~i-iil~~-'~/~
LaW OIIIees 01
Robert E. Myers
100 Old York Road
New cwnbel1and, PA 17070
Robert I. ...,...
ItcDI IL IAdebOlun
TeL (717) 774-3163
Faa (717) 774-2257
June 14, 1994
Office of the Sheriff
Cumberland County
Cumberland County Court House
Carlisle, PA 17013
ATTN. : Audrey
Re: Harris Savings Bank vs. Dennis A. Sealover,
In Mortgage Foreclosure - Cumberland County
NO.: 94-2233 Civil Term
Dear Audrey,
Please find enclosed a check for $31.11 to cover costs in
discontinuing the Writ of Execution in the above matter as
defendant brought his account current this morning.
Thank you for your assistance in this matter.
REM/ll
Enclosures