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rlDIRMAN AND PHILAN
BYI FRANK FEDERMAN, ESQUIRE
Identification No. 12248
Suite 900 Attorney For Plaintiff
Two Penn Center Plaza
Philadelphia, PA 19102
12151 563-7000
FEDERAL HOME LOAN MORTGAGE CORPORATION
2231 CRYSTAL DRIVE, SUITE 900
ARLINGTON, VIRGINIA 22202-3798
Plaintiff
I COURT OF COMMON PLEAS
DIVISION
NO. (;4~ ? I ( ,\' (U~t..t .JA..~
CUMBERLAND COUNTY
vs.
WARREN W. ELFRANK, II
SHIRLEY K. ELFRANK
4502 NORTH ROAD
HARRISBURG, PA 17109
Defendant(s)
CIVIL AC~ION/HORTOAO! rORECLOSURE NO~IC!
You have been sued in Court. If you wieh to defend against the
claims set forth in the following pagee, you must take action
within twenty (20) days after this Complaint and Notice are
served, by entering a written appearance personally or by
attorney and filing in writing with the Court your defenses or
objections to the claims Bet forth against You. You are warned
that if you fail to do so the case may proceed without you and a
judgment maybe entered againet you by the court without further
notice for any money claimed in the Complaint or for any other
claim or relief requeeted 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
4TH FLOOR
CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PA 17013
717-240-6200
6. The following amounts are due on the mortgage I
Principal balance $ 63420.97
Intereet 10/1/93
through 5/15/94
$ 2485.46
(Per Diem $10.86)
Attorner's fees $ 3171.00
Cumulat ve Late Chargee $ 0.00
6/10/88 TO 5/15/94
Coet of Suit and Title Search $ 450.00
Subtotal
$ 69527.43
Becrow
Credit
Deficit
$ 1478.85
$ 0.00
Total
$ 68048.58
7. Thie action doee not come under Act 6 of 1974 becauee the
original mortgage amount exceede $50,000.00.
8. The Temporary Stay as provided by the Homeowner'e
Emergencr Mortgage Aseietance Program, Act 91 of 1983,
hae term nated beoause Defendante have failed to meet with
the Plaintiff or an authorized Credit Couneeling Agency in
accordanoe with Plaintiff'e written Notice to Defendante,
a true and correct oopy of which ie attached hereto ae
Bxhibit "B".
WHERBFORE, Plaintiff demande Judgment against the Defendant(s)
in the eum of $ 68048.58 together with interest from 5/15/94 at
the rate of $10.86 per diem to the date of Judgment, and other
coste and chargee collectible under the mortgage and for the
foreclosure and Bale of the mortgaged property.
~~;r~
/s/ Frank Federman
FRANK FBDERMAN, BSQUIRB
Attorney for Plaintiff
~Trans~v{)rl{l
MORToAo. CoRPoRAT,oN
I
TO I I~ARREIl I~ ELFRAIIK II
4502 1l0RTH ROAD
HARRISBURO PA 17109
DATE' January 6. 1994
SUBJECT' Our Intantion to Foreclosa
tho Mortuage on Promisps,
4502 1I0RTli ROAD
HARRISBURG PA 17109
LOAII 1101 107584
1I01ICE OF IIlTENTlOIl TO FORECLOSE MORTGAGE
The MORTGAOE held by FEDERAL HOME LOAN MTG (hereinafter we. us or our) on your
property locatod at 4502 1I0RTH ROAD. IlARRISBURG PA 17109. IS III SeRIOUS DEFAULT
because you have not made the monthly payments of $55(.,68 each. for the months
of lIovember 1993 through January 1994.
Lata charges have also accrued to this date in amount of $0,00, The total
amount now required to cure this default, or in other words, got caught up in
your payments. as of the date of this letter, is $1.502,1,8, On February 1,
1994 another payment wi 11 be due,
YOU MAY CURE THIS DEFAULT HITHIN TIlIRTY (30) DAYS OF TilE OATE OF THIS LETTER.
BY PAYIIlG TO US TilE ABOVE ANOUIIT $1.502.48. PLUS AllY ADDITIotlAl MOtlTIllY
PAYMENTS AND LATE CIlARGES HllICH MAY FAll DUE DURIIIG THIS PERIOD, Such payment
must be medo either by cashier's check, certified check, or money order and
made atl TRAIISHORLD MORTGAGE CORPORATIOII, P,O, Box 200000. Ilouston, TX,
77216-0975.
If you do not cure this dafault within THIRTY (30) DAYS. I'IE IllTEND TO EXERCISE
OUR RIGIlT TO ACCEl ERATE THE MORTGAGE PAYMEtlTS, This means that whatever is
owing on tho original amount borrowod will bo considerod duo immediately and
you may losa the chanco to payoff tho original mortgago in monthly instal-
lments, If full payment of the amount of default is not modo within TllIRTY
(30) DAYS, I~E ALSO WTEIID TO ItlSTRUCT OUR ATTORIIEYS TO START A LA'.ISUIT TO
FORECLOSE YOUR MORTGAGE PROPERlY. IF TilE MORTGAGE IS FORECLOSED, YOUR PROPERTY
HIll BE SOLD BY THE SHERIFF TO PAY OFF THE MORTGAGE DEBT. If we rofer your
case to our attorneys, but you cure tho default beforo they beuin logal proce-
odings against you, you will still havo to pay the reasonablo attornoy's fees.
adua 11 y incurred, up to $50.00, However I if I ego 1 proceedings era started
against you, you will have to pey tho reasoneble attorney's feos ovon if
they are over $50,00, Any attorney's fees will be edded to whatever you owe
us. which may also include our reasonable costs, IF YOU CURE TilE DEFAULT
HITHIII THE TIlIRTY DAY PERIOD. YOU HIll 1I0T BE REQUIRED TO PAY ATTORIIEY'S FEES,
YOU HAVE TilE RIGIlT TO REINSTATE AFTER ACCElERATIOII AIID TilE RIGHT TO ASSERT III
THE FORClOSURl: PROCEEDIIIG TIlE 1I01l-EXISTEtICE OF A DEFAULT OR AllY OlltER DEFEllSE
YOU MAY ItAVE TO ACCELERATIOII AIID FORECLOSURE,
P,O, BOX 4508. 1I01l5TOII, TEXAS 77210-4508(115) 895-5950
800-125-9489 lOLL FREE
EXHIBIT A
~Transvv()I'I(1
MORTOAO! CORPORATION
I
TO. SHIRLEY K ELFRAtIK
',502 t/ORTH ROAD
HARRISDURO PA 1710?
DATE' January 6, 1994
SUBJECT' Our Intention to Foreclose
tho Mortgago on Premisos,
4502 t/ORTH ROAD
HARRISBURO PA 17109
LOAIl IW, 107584
NOTICE OF It/TEt/TIOIl TO FORECLOSE MORTGAGE
Tho I~ORTOAOE held by FEDERAL HOME LOAIl MI0 (hereinafter we. us Dr DUrl Dn your
prDperty IDcated at 4502 1l0RTH ROAD. HARRISBURG PA 17109. IS It/ SERIOUS DEFAULT
becausa you have not made the monthly payments Df $55'1.68 each. fDr the mDnths
of NDvember 1995 through Janue,y 1994,
Late charges have also accrued tD this date in amount Df $0,00, The total
amount now required to cure this default. or in other words. get caught up in
your payments. as of the dote Df this letter. is $1,502,48, On February I.
1994 another payment will be due,
YOU MAY CURE THIS DEFAULT HITHIt/ THIRTY (50) DAYS OF THE DATE OF THIS LETTER.
BY PAYIIlG TO US THE ABOVE AMOUIlT $1.502,48. PLUS ANY ADDITIOIlAL MOHTHLY
PAYHEIlTS AND LATE CHARGES HHICH HAY FALL DUE DURIIlO THIS PERIOD, Such paymdnt
must bo mode oithor by cashier's check. certified check. or money Drder and
mada et, TRAt/SHORLD MORTOAGE CORPORATIOIl. P.O, Box 200000, HoustDn, TX.
77216-0975,
If you do not curo this default within THIRTY (30) DAYS. HE It/TEt/D TO EXERCISE
OUR RIGHT TO ACCELERATE THE MORTGAGE PAYMEIlTS, This meens that whatever is
owing on tha o,iginal amount borrowed will be considered due immediately and
you may lose the chance to payoff the original mortgage in monthly instal-
lments. If full payment Df the amount of default is nDt made within TlURTY
(50) DAYS. I~E ALSO IIHEt/D TO INSTRUCT OUR ATTORIlEYS TO START A LAWSUIT TO
FORECLOSE YOUR HORTGAGE PROPERTY, IF THE MORTGAGE IS FORECLOSED, YOUR PROPERTY
HILL DE SOLD DY THE SHERIFF TO PAY OFF THE MORTOAGE DEDT. If we refer YDur
cese to our attorneys. but you cure the default befDre they begin legal prDce-
edings against you. you will still have to pay the reasonable attDrney's fees.
actually incurred. up ta $50,00, However. if legal proceedings are started
against you. you will hava to pay the reesonable ettDrney's fees aven if
they are over $50.00, AllY attorney's fees will be added to whatflver you Dwe
us. which mey also include Dur reesonable costs. IF YOU CUIlE THE DEFAULT
HITHIIl THE THIRTY DAY PERIOD. YOU HILL 1l0T BE REQUIIlED TO PAY ATTORt/EY'S FEES.
YOU HAVE TliE RIGHT TO RElIlSTATE AFIER ACCELERATlOIl AIlD THE RIGHT TO ASSERT III
THE FORCLOSUIlE ('ROCUDllle lIlE IWIH:XISJ[IICE 01 A OtFAULl OR AllY 01 HEll DEFtIlSE
YOU MAY HAVE TO ACCEUkAT101l A111l FORECLOSURE.
P.O, nux ,,508. IIOU51011. TFXAS "';>10-',',08(/13) 895-3950
800-125-9489 TOLL FREE
EXHIBIT A
3 TransH)()rlll
MORTOAOI CORPORATION
(PaIlB 2 of 2)
~OTICE OF I~TE~TIO~S TO FORECLOSE MORTGAGE
He mBY also SUB you personally for the unpaid principal balance and all other
sums dua under tha mnrtDalle, If you have not cured the default within tha
thirty day period and foreclosure proceedinlls have beDun. yOU STill HAVE THE
RIGHT TO CURE THE DEFAULT A~D PREVE~T THE SALE AT A~Y TIME UP TO O~E HOUR
BEFORE THE SHERIFF'S FORECLOSURE SALE, YOU MAY 00 SO BY PAYING THE TOTAL
AMOUNT OF THE UNPAID MOtlTHL Y PAYMEIlTS PLUS ANY LATE OR OTHER CHARGES THEil
DUE. AS I~ELL AS THE REASONABLE ATTORNEY'S FlES AND COSTS CONt/ECTED WITH
THE FORECLOSURE SALE,
It is astimatod that tha aarliest date that such a Sheriff's sala could ba hald
would be approximately July 5. 1994, A notica of the date of the Sheriff
sala will ba sent to you before tha sale, Of course. the amount needed to
cura the dafault will increasa the longar yoU wait. You may find out at any
time exactly whet tha required payment will be by calling us at the following
number, 1-800-333-7302.
This payment must ba in cash. cabhier's check. certified check. or money order
end mede payable te us et the addrass stated abeve.
You should realiza that a Sheriff's sale will end your ownarship of the mort-
gaged property and your right to remain in it. If you continua to live in
the property after the Sheriff's sale. a lawsuit could be started to evict you.
You have additional rights to help protect your interest in tha property. YOU
HAVE THE RIGHT TO SElL THE PROPERTY TO OBTAW MONEY TO PAY OFF THE MORTGAGE
DEBT OR TO BORROW MONEY FROM AIIOTHER LE~DWG lUSTITUTION TO PAY OFF THIS DEBT.
(YOU MAY HAVE THE RIGHT TO SElL OR TRANSFER THE PROPERTY SUBJECT TO THE MORT-
GAGE TO A BUYER OR TRANSFEREE WHO IHLL ASSUME THE MORTGAGE DEBT, PROVIDED
THAT All THE OUTSTAtlDIIIG PAYMEIlTS. CHARGES MID ATTOR~EY'S FEES AND COSTS ARE
PAID PRIOR TO OR AT THE SALE, (At/D THAT THE OTHER REQUIREMEIITS UlIDER THE MORT-
GAGE ARE SATISFIEO). CONTACT US TO DETERMINE Ut/DER WHAT CIRCUMSTANCES THIS
RIGHT MIGHT EXIST>. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD
PARTY ACTING at/ YOUR BEHALF,
IF YOU CURE THE DEFAULT THE MORTGAGE HILL BE RESTORED TO THE SAME POSITION AS
IF 110 DEFAULT HAD OCCURRED, HOI'IEVER, YOU ARE NOT EtlTITLED TO THIS RIGHT TO
CURE YOUR DEFAULT MORE THAN THREE TIMES III ANY CALEtlDAR YEAR,
If yoU have any questions. call Joe Vasquez at (713) 895-4623,
TRANSHORLD MORTGAGE CORPORATION
Collection Department
ACT6
r.o. BOX 4508. HOUSTON, TEXAS 77710-4508(713) 895-3950 1 800-725-9489 TOLL FREE
EXHIBIT A
I
(Paga 2 Df 2)
~TrQ}1SH)()J'hl
I
1I0"'OAOIOD"'D"A"DH
Tha nemos and adnrnllloll Df the CDnNunlor crndl I cDunDallnu ouunciell ore attnchad,
It is Dnly nUC6SDary to ochoduln ana fllea-In-fllco mordlnu, You uheuld ad'lioll this
lander immediotely Df YDUr intentione, If you ora un"hln ID rODolvo this prDblem
at or uftor your fuce-to-fncn m.'D\lnU, you hnvu Iha rluhl In npply fur tho
financial essistanco frum Ihu IIUm\lDIIn"rU' [moruoncy t1DrtU~UU Mwlr.tance Fund,
In order tD do this. you muot fllo n complolon IInmaDwnarn' Emnrunncy MDrtgAge
Assistanca Appli CDti Dn with Iha "u,,,,,,yl vanlll lIuutll nil H n"neo Auoncy, Tho CDnoumer
credit counsaling ogency will oooist you In fllinu your application. It must bo
filed Dr PDotmarkad within thirty (30) ,'"Yfl of yuur foeu-Io-fuco mooting,
You must either moll your eppllcnllon 10 Ihu rennnylvenia IIDusing Financo Agancy Dr
yeu must file it at Dnu of II~ dOfllgnnl.d eoneumur crudlt counsellnu agencies on
the attached list. The PennsylVAnia Itousinu linnnce Agoncy i.. located atl 2101
/lorth Front Sheet. P,O, 80)( 802'1. Ital'r\uhuru, I'onnsylvanio 17105. Tolephonol
(717) 780-3800 or 1-800-342-2397,
An applicetion for assistance nley ho ohlalned from thio londer, from a consumer
credit counseling ogBncy or dlroctly from the Ponnsylvnnlo Housing Finance Agency.
It is very Importen t that you file your appl i cn ti on prompll y, I f you do not do SD
or if you dD nDt fDllew tha ether time periods oat forth In this lelter. fore-
c1Dsure may "rocuod Immediately, Avoilablll fundo for the p.mnr~.ncy mortllRgo
assistence ere limited. Thoy will be disbursed by tho Agency undor the
eligibility cdhria ostohll!lhed hy Ihe Act,
It is vary ImPDrtant that your application Is IIccurate And complote In evory
rosped, The counsnllng aunncy \~111 hal" you fill uut tho upplicntion,
The Ponnsylvonio Housing Finallce Auency hns sl)(ty (60) days to make 0 decislDn
efter it recoives your ap"IIcation. UurillD that addltiDnal time. no foroclosure
prDcoedings will be pursuod lIualn"t YOU If you havu nlot Ihu lime requirements
set forth abovu, You will ha noti fi ed eli rod 1 y by that AUOnCy of its decision
on your application.
In addition you will rucoivo "nothor notice from this lendor under Act 6 Df 1974.
That /lDtice is callod "/lOTICE OF I/lTE/lT TO FORECLOSE". You must rood both notices.
since they bDth expl"in duhls that you now hovo under Penm,ylvonla lows, Howover,
If you chooso to oxercil:lo yuur rights doscdhDd In this nolico. we cannot foreclose
upon YDU during that timo. ^Iso. if you recelvo financial 1l5sistanca from the
Pennsylvania HDusinu Finllnco Agoncy. your home cnnnot be foreclosed upon while
you ore recelvlnu Ihe lIosl..lancu,
If you huve IIny qUt!stions, clIll Jot! Vnn'1uoo< nt t7D) 895-4623,
TRAN5HORLD MORTGAGE CORPGRATIO/l
Collection Departmont
P,O, 80X 4h03. HOU5TO/l. TEXAS 77~10-4503(713) 895-3950 1 800-725-9489 TOLL FREE
EXHljj(f 8
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EXHIBIT "B"
FEDERMAN AND PHELAN
By: FRANK FEDERMAN, ESQUIRE
Identification No. 12248
suite 900
Two Penn Center Plaza
Philadelphia, PA 19102
(215) 563-7000
ATTORNEY FOR PLAINTIFF
FEDERAL HOME LOAN MORTGAGE
CORPORATION
VB.
COURT OF COMMON PLEAS
CIVIL DIVISION
WARREN W. ELFRANK, II and
SHIRLEY K. ELFRANK
NO. 94-3118
CUMBERLAND COUNTY
PRAECIPE TO DISCONTINUE AND END
TO THE PROTHONOTARY:
Kindly mark the above captioned matter discontinued and ended.
.-:; ~ IL --:;..-/lv, -
FRANK FEDERMAN, ESQUIRE
Attorney for Plaintiff
Date: June 16. 1994
\
FEDERMAN AND PHELAU
BY I FRANK FEDERHAN, ESQUIRE
Identification No. 122~8
Suite 900 Attorney For Plaintiff
THO Pcnn Ccnter Plaza
Philadelphia, PA 19102
/2151 563-7000
FEDERAL HOHE LOAN MORTGAGE CORPORATION
2231 CRYSTAL DRIVE, SUITE 900
ARLINGTON, VIRGINIA 22202-3798
Plaintiff
VS.
COURT OF COMMON PLEAS
DIVISION
I NO.qr.ERM~IIY ~L~~
~~I\ CUMBE:~LAND COHNTY
......:'.
"I}... <';"I-~,
. 1";0 I~,.",
/), ~ "\'//
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u:t. ~. I....
~h <I.'> i":>,
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f;
I'IARREN 1'1. ELFRANK, I I
SHIRLEY K. ELFRANK
4502 NORTH ROAD
HARRISBURG, PA 17109
<-..:.
,,"'
J::;
-! ~
~
Defendant(e)
~.
C~VIL~~~~ION/MORTGAGE FORECLOSURE NOTICE
>. "V^'I)'~
You have been' eU~aA'~purt. If you wieh to defend againet the
claime eet forth,.t~'~~)j~lowing pagee, you muet take action
within twenty (20) ~l'~~r this Complaint and Notice are
eerved, by entering ~~JS!*t~p)/.appearance pereonally or by
attorney and filing in'~~~lAg:~~th the Court your defenees or
objectione to the claime I~~.,t.~.f.t:n againet You. You are warned
that if you fail to do eo i!1St 'IY;sWmay proceed without you and a
judgment maybe 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 loee money
or property or other righte important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A a~YER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE
SET Fo~':di:'bELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
" "l.-, "::0
.... t," .' .f',
, ~ y..~.1,,>CUl1BERLAND COUNTY
~(;,'.:..'.'" ~OURT ADJ.lIllISTRATOR
"Y.,~" i'4 'l'a...FLOOR
\....~,c~' l~d~~LAND COUNTY COURTHOUSE
{{l ~~9tr;, PA 17013
O^~Q\...(i'~OO
7....., "".J-"~I
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