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Home My WebLink About94-04875 ~ .~ jj , , I I " . ~ S r- Oo J , j l/) , ~ " , ' i' " 'I ,I . , , COMMONWEIILTH OF PENNSYLVIINIAI COUNTY OF CUMBERLIIND In The Court of Common Pleas of Cumberland County, Pennsylvania No. 94-4875 Civil Term Complaint in Mortgage Foreclosure and Notice Pennsylvania State Employees Credit Union VS Mitchell G. Stein and Kristi II. Frederick Leroy Hippensteel, Deputy Sheriff, who being duly sworn according to law, says that on September 28, 1994, at 7135 o'clock P.M., E.D.S.T., he served a true copy of the within Complaint in Mort.gage Foreclosure and Notice, in the above entitled action, upon the within named defendant, to Witl Kristi Frederick, by making known unto Kristi Frederick, at 30 Stephen Road, Camp Hill, Cumberland County, Pennsylvania, its contents and at the same time handing to her personally the said true and attested copy of the same. R. Thomas Kline, Sheriff, who being duly sworn according to law, says that he made diligent search and inquiry for the within named defendant, to Witl Kristi II. Frederick, but was unable to locate her in his bailiwick. He therefore deputized the Sheriff of Dauphin County, Pennsylvania, to serve the within Complaint in Mortgage Foreclosure and Notice according to law. DAUPHIN COUNTY RETURN: AND NOW: eptember 7th, 1994 at 9:20 A.M., served the within Complaint in Mortgage Foreclosure upon Mitchell G. Stein, by personally handing to Norma Stein, Mother to defendant and an adult member of his family a true attested copy of the original Complaint in Mortgage Foreclosure and making known to her the contents thereof at his dwelling place, 4093 Cypress Rd., Apt. G, Harrisburg, PAr So answers: William H. Livingston, Sheriff of Dauphin County, Pennsylvania. Dauphin County return hereto attached. Sheriff's Costs: Docketing Serv ice Surcharge Ou t of Coun ty Dauphin County So Answers: ... ...., ..:.' ./. ~ -'." ~0~ ~ -'''-" ".~.~... ~,~" "'/:::~__A I ",,-.......,..._-.....<.......-::,~ R. Thomas Kline, Sheriff 18.00 8.40 4.00 5.00 25.50 60.90 Pd. by IItty. 10-03-94 BY;(JJ~ / ~~C;~ Oep, y She f Sworn and Subscribed to Before Me This -r, D f II ay 0 (f."" . ( f.,.t,....- 1994, <. "J' ~ {: (I-\d.\,"__ ~!J/lII' / P othonotary , . A.D. , "- In The Court ci C.:mmO:1 Fle:s or "." .~~~..._.'...~. ".....'...._.~......._..... .....,. ....'...u....... C 'd.' "r "-,:'''\-n I ....-..''/ "-I.._....n. _, ........,-....., Pannsylvc::nio Pennsylvania State Em~loyees Credit Union '" J . Mitchell G. Stein :'fo.94-4fJ75 <:'ivil. Tqrm .~ ---, ......- ~owJ c:oJ?homhqr n., , QQA ~9_ I. SEZ:o~'F 0:;' C~G::::'.!.A...'rn COt-~'=Yt ?o\.. co h=-.by c!:;:u= t!::c Sh="..:i oi nRlIphi.n c"=ty to e::..~.1~ :!:is W:::, :!::J d:puc.:iou ::~ ~ 11 ~ ~ :.:d :!sk of t!= ?'.:_Q'. . 2 /./ //..6?' i."';'''~-..e< f'~ Sh~ ot S:::::!lut:u:ci C~=Q'. ?"" Affida.vit af Sem= ~ow, 19 .. -. o'dea :-.c. 1C"."C<i :.:: ~t!:!n 'Jpoa ~~ by:::U:~:o I. C::::ry' c: == o::;i=:U ,. md -~,.;. i::.own :0 ~ , . .:::::.t::::S ~-:::=t. So .l.::.SW=. Shc:'4' 0/ CDWlrf. ?-. Swc~ me! rJi:sc:-.bd Ce:cn: :::.::..:s_Q7'oi 19_ CCSTS s:c:.'"t....rrc::::: ~ CII.Z.-\G Z .-\..:"7iIlA -y.. s --~---. s PENNSYLVANIA STATE EMPLOYEES I IN THE COURT OF COMMON PLEAS CREDIT UNION, I Plaintiff I CUMBERLAND COUNTY, PENNSYLVANIA I vs . I NO. q Lj - L/ g 7 S- C I ~ I J Tt on I MITCHELL G. STEIN KRISTI A. FREDERICK Defendants CIVIL ACTION - LAW IN FORECLOSURE HOTICD YOU HAVD .DD. 8UDD III COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the plaintiff. You may lose money or property lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Court Administrator Fourth Floor Cumberland County Courthouse One Courthouse Square CarliSle, PA 17013 (717) 240-6200 IIOTICIA LE MAN DEMANDADO A USTED EN LA CORTE. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene viente (20) dias de plazo al partir de la fecha de la demada y la notificacion. Usted debe presentar una apariencia eBcrita 0 en persona 0 por abogdo y archivar en la corte en forma escrita sus defensas so sus objeciones alas demandas en contra de su persona. Sea avisado que si usted no se defiende, la C':lrte tomara medidas y puede entrar una orden contra uBted sin previo aviBo 0 notificacion y por cualquier queja 0 alivio que es pedido en la pent icion de demanda. Usted puede perder dinero 0 BUS preopiedades 0 otros derechos importantes para usted. LLEVE ESTA DEMANOA A UN ABODAGO INMEDIATAMENTE. SI NO TIENE ABAGADO 0 SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO/ VAYA EN PERSONA 0 LLAME POR TELEFONO AA LA OFICINA CUYA DIRECCION SI INCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUIDE CONSEGUIR ASISTENCIA LEGAL. Court Administrator Fourth Floor Cumberland County Courthouse One Courthouse Square Carlisle, pA 17013 (717) 240-6200 " " detendants having been presented to them at the time ot ~ettlement. Said no\:e initially called for the detendants to make monthly payments at $370.10, plus escrow tor taxes and insurance, which Bums were to be applied first to interest at the initial rate of nine and one-halt (9.5%) percent per annum, the balance to prin- cipal. 5. Concurrent with and in order to secure said not!!, the detendants executed a mortgage dated August 10, 1990, in favor ot plaintiff, to secure the sum of $44,100.00. Said mortgage is recorded in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania, in Mortgage Book 987, page 419. A true and correct copy of said mortgage is attached hereto as Exhibit A and incorporated herein by reference. 6. Pursuant to the terms of the adjustable rate note and the adjustable rate rider to the mortgage, the defendants are now obligated to make monthly payments of $289.53, plus escrow for taxes and insurance, which sums were to be applied first to interest at the rate of six and three-quarters (6.75%) percent per annum, the balance to the principal. 7. Pursuant to the terms of the adjustable rate note and the adjustable rate rider to the mortgage (Exhibit A), the defendants' scheduled payment is due to change on August 10, 1994, at which time their scheduled monthly payment will be $318.01, plus escrow tor taxes and insurance, which sums will be applied first to interest at the rate of seven and six hundred twenty five one thousandths (7.625') percent, th~ balance to principal. 8. Defendants are in default under said note in that they have failed to make the payment due october 1, 1993, and subse- quent payments thereafter. Pursuant to the terms of said note and mortgage upon said default the plaintiff is entitled to accelerate the entire remaining balance on said loan. As of the date hereof, the balance owed to the plaintiff is as follows: principal balance $43,098.75 accrued interest to 7/19/94 2,637.99 plus interest thereafter at the rate of $7.97 per day until September 1, 1994, at which time the daily accrual of interest will become $9.00 per day. In addition, plaintiff is entitled to reasonable attorney's fees which plaintiff has incurred. 9. Pursuant to the provisions of the Homeowners Emergency Mortgage Assistance Act of 1983, the plaintiff notified the defendants of their rights under said Act on March 21, 1994, by certified as well as regular mail. Copies of the notices as well as true and correct c<opies of the certificates of mailing, are attached hereto as Exhibit B and incorporated herein by reference. The defendants have failed to avail themselves of the assistance available under the act. 10. Pursuant to the provisions of Act 6 of 1974, plaintiff has provided defendants with written Notice of Intention to PENNSYLVANIA STATE EMPLOYEES I IN THE COURT OF COMMON PLEAS CREDIT UNION, I Plaintiff I CUMBERLAND COUNTY, PENNSYLVANIA I vs. I NO. I MITCHELL G. STEIN I CIVIL ACTION - LAW KRISTI A. FREDERICK I Defendants I IN FORECLOSURE Date I ?-/.IN _ -_~ 1-. C~ . -- .-J Verification I verify that the statements made in the foregoing complaint are true and correct. 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. UNIflIIlM O)';"N"N n OOHOWrr Ind llnder co~tnl"t and 'Iltl II (l)lhHu; I. P.~ml"...f Prlncl,., Ind Inl,"'11 Prt'l~m"" IlId Lat. Ch"ln_ DllHi.llU, .h,ll prompll~ p') ..hltn dUf lh. principii of,nd InlullI on Ihl debt nldrnnd b) the NOII.nd Iny prepayment and llle chi"" dut undrr Ihl NOll. 2. Fundi for r.... Ind Inlunllu. SUbJKllO applicable/I. or 10 I wnlltll ....I\'rr by l,ndu, Burrow" ,hall pay 10 Llndtr on the day mc:'lnlhly p.ymt"U Ir. due unde, thl NOli, unullhr Noll II plld In rull. . ~Unl ("Fund,") .qulllo lllle."'ulnh tlf- fl) )'rlrly l/UU Ind BUtumcrnll which may all.ln prlOrlt)' 'J\cr Itm 5lculII)' InMrumrnl, Ib) )'end)' ItUthllld p.)'tnIIl18 nr IflJuniJ n"l~ \)11 thl l'WJ'fflY. If In)'; fe;) )'flItly h".rd III,unlll:f' prrnllUI11S, llnd (11) )'llIrl)' milt'..., lluur.IlC' p,rnllllnn, i( on)' rhr8t IIIml Ilrt CAlled "OUl)~ IItn1l." I.tllLlrt mllY UlllllOlt Ih. FUlld~ dut Oil Iht baAl. o( (Urrflll Llola IlnLJ tl'Il5UIIllbllf ullmltClllfrulUtr t'CtOW IIrrnl Th. FunLJI Ihall be held In In inUilullonlhr drpolill or 'CCOUIIIII of ...hh:h sr. inlutrd IH lIulflntrrd hy II fr"'erolor IIlh! 'Itnt)' (lm:luaJlnlltnder if tender il luch an IIUlilulion), lender Ih.lI.pply the Funds I.) P'Y Ihr tlcr')'" Iltm. Lrnder Inl)' 1101 r.harlr ror hold'", Gnd .ppIYIII,the FunLJI, utlllyrlnllhe a"ounlllr unrYIII. Ihe eWI)'" IlInll, unit.. Lrnder pl)ll borrowrr IlIlemllm Iht Funds IIl1d Ippliclblr la... purniu ltnder h) m.ke ,uI'h .I:hrUllt UOHnwrr olld Lrnd" ntl)lll,fer 1/1 wnllll, Ih.1 UllrreU Ihall be raId IltI Ihe FUlHh, Unit.. In Illrcrmcnl " rl1luJe lIr IlppUc.ble Ilw require. inlerell II.) bt plld, lrnder shall rWI be rrtlulrttJ III PlY lIoHowrr .ny HlIC'te~I'" enrlllnl' 11lIthe Fundi lcruJer Ihlllll\ll In borrower. "lIhoul chorge. nn IUllIUII.Cl:iJunlill"llflhe Fun'Js ,howln. "rdlh Ind debllSlo thr Fundi Ind the purJ'O'r (or which l'II:h dtbllll) Ihr Funda WDl mAde rhe rund~IHt pledacd III atJdltlunlll ucurily for the \Un" U'cured by Ihl, S<<urily hatrument If Ihe AmOUlI1 of Ihe Fund~ held by Lender, ll,.elher wllh Iht fulure monlhly pllYlllelll\ of FunJ, 110)'oblt I'nnr to Iht dut dlltlllftht e~crl}w Herm, ~hnll uctell the onHlUlIl tellUlrtd tl) I'oy lhe e~cr.,w Ilenu when due, Ihe uce~1 \holl be, II Hmrow,,', 11l'llon. euher phmlplly repllld 10 IIOHllW,r'" "tdlled It) Ut)rru'Wu 1m rmltllhly pll)lIIetll' .,f Fund, I( Ihe .mounl oflhr Fund. held I)y Lender 15 1101 5ufficietlllt) illY lht UCflJW itrnu when due, UllHiJ..-.er ,hAIII'IlY tl) l.tllder any Imount "<<ts5ary to make UI1 thl! drtlclency tlI ol1e llr nllltr 1'1l)ll1eflll o. required hy l.rllder Upon payment in rUllllr 1111 ~UI1l' ltcured by thlll Secutlty ""lrUl1lenl, lender ,hllll prompll)' refund Il) U"rrowrr In)l Flmds held by tender Ir under pOraltllph 19 the Prnptrt)' I' ,old or .cquired by lender. [ender ~hnll apply, no Illtrr Ihan irnmediately prlllr ", Ihe ~ol( "f the Ptllperl)' or II' ocqul'"lllll by lendu, ony Fund' held hy lender nl Ihe 1I11l~ or appliC.llon a.a crtdlt alOHullhe 5um, ,ecure,j b)' thi, Securily Inslrumenl, J, Applltltlon Q' Plymenl.. Unle.. Ipphc.hle Illw pttl~lde' olhrrwl,e. Illl payment' r"el~ed h)' lelHlcr under pI"lrlphs Io.nd 2 ,holl he Dpplled: liut, hllllltl:hDrltll due under Ihe No,,; second. to preI'G)'rnent dl1ll'ir5 dut under IhC' Nllle; third, 10 .mounl' pA)'oble ullIter porOltoph 2; fourlh. to lntere,1 due; Ind 1011, 10 ptlllClpll1 due. 4, Chlrlfl: L1enl. IItlrrower shllll pay oUtun, aueUlIlenls, charges. "n" .nd Impo,illon' illlnbuloble to Ihe Properl)' which ma)' allOl1l pnorlly o\er th15 Securlly Imlrumenl. and leuehlJld p"Ylllel1t\ I" ground rellls, if an)' Borrowrr 'IhAlI PllY thue obhRlIltom in the mall/ll'r provided in poragraph 2, ur l(nol pllld illlhOI mAnner, Borrower shIll p,y Ihem on lime direclly 10 Ihe perlon owrd po~mtnt, Dorrowtr sh.1I prumplr~ rurtll5h II) Lend" all nollCes nrllmOUIlU 10 br paid under Ihlll Plltllltllph, "Dorrnwer mnkes thne p.)'meI11' dire'II~, Uorrowtr !ho/l promptly rurnl~h II) lendtr "celpls c~ldtlll:lIllllhr p"ymelll~ Borrower shall prornplly di~charge an)' lien whICh hilS PUOrlly o..er Ihl~ Secunl~ III~trument unleu DorrQ""'er: (I) l,retS in wrilillllO the pll)'menl nfthe obligatirlllsecured b)' Ihe lien in II milliner acceplable 10 t.ender: tb) CUlllnt' in loed failh Ihe lien by. or defendil olom,1 enforcemenll)r the lien in, lelol ptocr:edin" which III the Lender'~ ol'lnlOn operale 10 prcvC'nt Ihe enforcement or Ihe liell or forfeiture lJr .ny 1'1Ir1 or the PttJperty; or ecl secutu from Ihe holder or thr Hen an IIlrrrmrnt uti,r.<:lory to lender ~ubllrdillalillathe lien 10 thls Securll)' In'lrument, IrlenrJer dtlermllle5 fhlll any part of Ihe Property is ~ubJecI 10 a lien which mil)' allain prlorily over Ihi!\ Sf1:urit)' In'trument, t.ender /IIA)' 'l\e Dorrower 0 noticr idenllfYing the lien. Botrl,,,,,rr shall !\llmry Ihe hen or tllke one or more of the actions set rorth abo~e within 10 dl)'s of the II"inS of nolice 5. Uuard Insurlnn, I)f)rro..-.er ~hllll keep the 1/lll'rO\emenl\ now uiSllllg or hereafter ereCleLlI)flthe ProperlY inllured a.alfl!\llo~s by fire, hll/ord~ lI1dudtd ""lthlll (ht letm "e~h!llded c(}~etllBr" lInd any olher ha13rds ror which Lender requirts inllurlll1l:t, TI1I5 III~Un1nCe shBlI he mrllntaltltd III Ihe amlJUnt\ and for the periods Ihul lender requires, The inllurance climer pro\idinalhe ill!\UrOllCe ,hall be dll)~Cn hy l1orrower subject to lender'\ approvol whICh Ih,,1I not be unreallonabl)' wllhheld All Inllurllnce pollCltS oud renewal~ !\hall he BCl:rplllble 10 lender ond shallllldudr 11 uandard morlgille clllu~e. lender shill ha..e Ihe ri,ht lu hold Ihe roticie, Ilnd renewalil, "lender requirrs. Borrower shall promplly li~e 10 Ltnder .11 rf1:eipts or paid premiums nnd nn<<!wnlnolkrs. Inlhe eHlIl of lou, Borrower shallli\e prom pi flollee to Ihe In5unnce carrier Ind lender, lender mllY make proof1lflo\ll ifnot Illade promptl)' b)' Dorrower Unleil! lender IInd Dorrower olherwlse Illrcc ill wrilina. insurance procreds ~htlll be applied to re,toration or npAir or Ihe PropC'rlY dlllmllled, if Ihe reSlorallon or repair is economically feluible IInd lender's securily is notleuenrd. If Ihe reslorltion or repair is not economicnll)' feasible or lendrr', security would be leuened, Ihe inilurance proceed, shall be applied 10 Ihe ~urn5 ~el:ured by Ihis Security Instrument. wl1ether or 1101 thell due, wilh 311Y ellcC!\s pAid 10 Borrower, If Dorrower abandon", Ihe Propert)', or doe\ nol answer wilhin 30 day" a noti" from Lender that the lII!\urancr c[lrrier 110~ olrered to seule a claim, Il1rn Lender mil) collect the in!\uronce proceedil, lender mllY use Il1e proceeds 10 replllr or tC'slclre Ihr Propert)l or tll PllY sunn secured by Ihis Securil)' Inmumelll, whC:lher or nol then due, The JO.day period will belin when the notke i, giVflfl, Unlcu ltnder al1d Borrower otherwi"'e ogree '" writmg, any aprllClIllOtl of proceeds to principal ~haJlllllt C'lIlend or postpone the due date of the monthly paymenls referred 10 in parogrnphs Innd 2 or change lhe Bmounl of the payment" If under plnaraph I q the ProperlY 15 acquired by lender, Blmower', riaht to any l1lsurnnce polkies and p~octed~ resultill' rrom damnge to Ihe Prnpert)' prior to Ihe 3cqui~illiJn ~h311 Pll!\.~ 10 lender 10 Ihe e.!\tenl oflhe sumil ,ecured!'y Ihis SC'Curily Imlrument immediatel)' prior to lhe ncquIsitlon 6. PrrnTYltlon IInd ,\lolnltnllnCe 0' I'roperty; l.uilrholdil, lIorrowt.r ~hall not dC~lroy. damoge or ,ub'lnlllially chanle the ProperlY, allow Ihe Property to deterlorate or commit wnste, If 11115 Security Instrumenl I~ on II lu~ehold, Borrower ,hall comply WIlh Ille prm"Lntls orlhe leuse. and if (lmrllwer acqulru ree 1IIIe If) the ProperlY, lhe lellsehold and f(e litle \holl not merge unit" ltllder a]rrr:!\ to Ihe merger 111 wrltlllg 7, Prottttlon tIf l.end,,'. Rlllht. In Ihe Propert)'; MortlillJllll Iniluronu, Jr Borrower r.lIls h) rerform the co...enanu and agreement!\ cOlllrlllled illlhi5 Security Instrumenl, or 1 here I!\ a leglll rroceeding thnlllHI)' ~Igmficantl)' atTecl Lender's riahls in the Prllprrly (such as a proccedlll& in bankruptcy, probale, fllr condemll3tioll or 10 el1forc~ raw~ or relulalion,,), lhen lender mny do and PllY for whlllle...er is neceuary It, protecl the ~Qlu~ or Ihe ProperlY and Lender's ri,hls in the Properly_ lend~r'~ ocllf)ra may Inctud~ paYing <111)' wna "cured hy a lien which ha:'. prlorit)' l)~rr lhiil Securlt)' In5lrumrlll, nppearin. In court, p;lY1n1 reBill)/lable iJllOrnC'ys' rees Bnd elltcrlng tlrlthe Propert)' 10 make repairs_ Allhoulh lender mo)' lake acllon under Ihl5 parngraph 7, Lender docs not hnve 10 do Sl) An~ amllunlS disbursed by lender under Ihi" paragraph 7 ~hall become addilional debl or Borrower ~ecured by thi, Stcuril)' In!llrument, 'Jnleil' Borrower "lid Lender :Igree 10 olher trrm~ l)rpayment. these amount.. ,holl ~ar inlrreM from Iht dale of di~bur~ell\en\ at th~ Nlllt rale and .hall he rmYllhle, with IlIlere~1. uron nolice rrom Lender 10 Dorrower requesllng pllymenl If [,niltr rr~uJrrd IlIllrl'lllit U1'Ufllth:r nh II !:llIIJIIlUll Llr till kill' Ih. Itlll/l IIt!:ur'lj hy Ihl' Stl:unly hllUrUnll'nl, fhlfrll\ur ,hplll'P)' Iht IlIrnlluml "quitI'd In tllllltlllllrlllll: lIuUllnrr III rn~d 11II111 U.ldllUllr II' tht IrqUlrrmrnl for Iht II\UI,lnL'1' lrlnlllllllnIn IL"a:ord4I1rr ",1111 UilrttlVlt'r'.luld hullr,', \Hlllrll lllrUlIIllllllt DI'Ilhl:llblr ll~ .. In.petUo". I.rndrr Lit 1111111:11111I0)' IIluk, r'llAllOlIhlr tlll/IU UI'tllllllld 11l5l'rrlllllll'lrtllr l'llllltll) trlll!.r "hIli "\, ",,,rll"" nnlh:r tlllh, tllllt 1)1' lit r'mr III nil IInprL'llllll ~rrrl")IIl' rt'IUtlU.bl, L"IlUU' (I" lh. 111',In'IIOIl 9, l'undllnn.lllln, lilt pln(rrt,h ill' 1111:0' 1l\\llltJ lIt dPUII I'llr _Jllm'ln, dHrd IH lo'lltlllt'llurHIIIII. 11\ L'ounrrlulII 'AIIII all~ COIllJrm/llllun Ilf Lllhrr lakwI Mall) plln 'If' tIll: 1.'Opl"I). .If In, ~'Il/l~t')I1Il~'t' III 11t'1l nr ~lllllltll1l1l1l111ll. III' hul'b~ ""linN llnd ahall bt 1'011110 lrntlu In Iht tun I o( a hJlallakllllllr Ihr 1'1,'pr'I)', Illl' plll~;ttl.h ~IHIII hI' "pl'llrd hI Ilu.' HIlI~~ \rt:II,rti h~ 1111,. Sr~ufll~ In~trUMltlll. ~hClhtr ,u nollhcll Ijur. ~Ilh .ill)' O:l,'t'~~ 1'1I1111111l"rlll~rt In Iht ~~t',,1 III II p+lfllallJklllllllr Ihr l'tllptrt~ unltU nm'"~t'r Inti Lrnl1rt Illhtr~t~t llllrl'l' III ~flllllll, Illl' \tJl1I\ ~t'~'ult'd b) Itll~ Sl'l.:I.HlIy IH~lnHlu'nl ,hllll b, 'rllut;'tl.i by the In1l1unl nr tht p,ocerdl mulilllh,I.i t,y IlIl' folhJ~ll1l I'rlll.'llilll la) Iht hllullltllUUll1 ollhr ~llIlIa \'t;'tJrrLt IlIInlrdllllrl) bt(tHr Ih, laklll', UI~IUtd by lb) lilt (1I1r II11Hktl \ltlut llllht l'fL)rtrt~ HIIIlI,l.iIBltl) ht"mt tht lakllll All)' bllllll\&:t' ahlll h, p.lulO 1I11tto\%er If Ih, IJtllpttl~ II ablllldotll:u hy nljtlll~'tt, Ilr Ir, aflu 'lIlll..:r b)' t.rllLJ,r III fJiJrrol~IH Ihal Ih, t;'lIndt'lIllltlt olrel\ II) m.kt lit) '....r4m Itllll'at;l.ml ror d.n"lu,lhIHn....tr rlllll III mpolld II} I.tlltil'r wllhlll Jll Iln)llIflrr Ihl' dill' Iht nollo;t II 111\'1:11, ttnder IlllUlhottltd It) t,'lJlll',laud "1'1'1)' Iht rllo>ccrlh.III 11I11J1Ulltl, l'llllrt h) rtMllllllllHl tl( ter"lr llrlht tJ"'pcrl~ IJt 10 Ihl IUmlla:Ured b~ lhil Sct;'uril~ JI18IrUmrnl. \lo'hrlhrr lit lulllllrll dUr Unleu ll'ndtr .nd Ootto..rr olhrr~'ilt "l,rt III ..nUIII, Ill)' DI'PIIClIlillll Orprll....ttllllll 1"'1/1":11'111 ,hlllll101 ul,nd IJt plntptlllt Iht dut d.lt orlhe monlhl)' p'~fIlrnls ,rrtrred II) III p.tlllrllphl land 2 lit dlllll,e Ihe lllllllunl oJr "I,ll PIlYlntllll. 10, lJom)..r Not R,l,n,dl ~'orb..r'"u II)' Lend" Nol ,W,I",r, F.lIlrtl~IIJll or Iht lilli' rOl p.)'m,nl or mrxhn'luon or a'norIlUIIl)n o( Ih, lum, Itcurrd h~ Ihll St'l:urlly In~lrulllrlll Irllnl,d n~ ll:ndtr 10 IfI)' IUa:Ct"or in inlll'" or Dotlo..." Ihllll nol OP"ltt 10 nltllt Iht llobihly or Iht 1)(ilin.llJorrll..." Ilr tlllrtl}\lorr'8 8UI't.'tlIOn in inlrrell l.nd" Ihlll 1101 bt required 10 t;omm,n(t prlX"tdin,1 olllnll .n)' lu(crnor In mtrrnl Ilr rrfule 10 ulend Ilmt for pD)'mtnl Qr olhrrwl5e modlf)' omorlllluilln of Iht IUnlIIC,Uttd b)' thil S,curil)' InuruOlt'1l1 by rtlllOn of !In)! deman4 mid, b)' Iht orlllnll Borro..." or DOrrO\lorr'llucCtUOtl m inltreat. An)' rorbta'inCt b)' Ll:ndtr III t.\tr(ulnlan~ nahl or rtmt'd~ Ih.1I1101 be. wm-rr of or p"dud. thl' "'rrCUr or all)' righl or rrmtd)' II. Sucu"Otl .nd AIIlanl Uound~ Jl)lnt Ind S,,,,nll.llblllt)'1 Co..lanln, Iht I'n~ttllllll5 and ocrrtmenll or thll Sl'a:urit~ 'nllrUmtnllh.1I bmtJ Ind b,ntllllllt luct;'tuotlond aUllnlofltndrr and UorrllWtr, ,uhJe..:l,to Ihl pro~i5lonl or p.ralraph 17, Dorrow"'1 ('OHllnnll and lllreellltnt5 Ihllll br JOllltond le~eral. All)' Uo""",tr wh,} ':Oolllllllhll S"urll~ Inllrum,nt but don nol rxCt:utr Ihl' Note: (a) il ':o'~lgninltlm S'CUtll)' Instrum,nl (111) hl fIl0rtflllit, IrBlllllnd COIl\'tY lhlt Rorro\lotr's lI1tetr~1 in Iht P1<.lptrl)' unl1t1 thl' It'rrJU orlhls Stcuruy InalrtJlIle/ll; (b) 15 IIlll pt"ortally oblilllltd 10 pi)' Ihl' lum" \tcurtt.! by IhlS Se.:unl)' In~lrulllrnt; 111111 (t;') IIMtte$ that LtndH 1I11t.! ~n)' ollll'r lJ'ltttJ\lot. 11I11)' IIltrl' to tlllend, modif)', forbear Ot makr an)' at;(ollltl1odlllloJlIs w~th rl'gdrd hI thr ttrlll\ llr Iht5 Se,'urn)' In\lrUrnrlllllr the Nule ...tthout Ih.1 Uorro...,r's,onatnl U. LQln Chlrlul Iflht Itllll ~ecurrd b)' Ihis S,curily 11l~lrumellll!'t ~ul,ljecIIll a law whrt:h ~l'15 11l4llimum lo.n chorltl, Ind Ihot Ill'" II flnall)' inlupr",ed 10 Ihlll Iht [nternl or olh" loon chIJr(!:l'\ \:olleclclj llr to be coHca:ted In connecllOn with tht la.n t'.Ilt:ted Ihe petltull,d limlls. Ihtn: (II) an~ lu.:h 10llll "hllrKt Ihall be trduI."cd by Ihe amount ntcnllr)' \I) trduct Ihe ('hlllt to the ptnnilltd Jimil; IInd (b) an)' lunlllllttarj)' ':llllccted rrom norrowct ...hkh l'llcl'ed,d pttmiUtd IIml" will be rerundtd 10 norrO\lo'tr Lel1drr mil)' choole 10 mlkr: Ihi8 rerund by Itduclllltht prindp.1 o...,d unde"lht NIllt or b)' mak~n.a dJre('t 1'.)'ltll'nt 10 1J0mJWct_ 1(1 terund rrdut;cs rrtll('ip"l, Iht rrdut;tioll will br Irtllw III. parltll pnp.ymtnt ...uhoul .ny pr,pI)'m,nt ,hlflt undl'r tbe Nore, 13. Lt,lllltlon At'ltclin. Llnder'l Rlahll. I( en.&:lmenl Ilr uplrllloll or appllcablt lawl has Ihe elf'"t of nnderln..n)' pro~llion orlht Nott or lhls StCUrll)' Instrumenl un"llror~'rable o('cnrdmllo ilstrrms, ltnder,lIt ill oplion, ml~ rrqllltt Imrncdlltt pl)'ml'nl III rull or III SUIllI st'curl'd b~ thia Stcuril)' Inmumenl Blld fill)' ill"'okt any remtdles pttlllJlltd by panlrapll 19.1rtendt'r tllrrmrs thlsopliIJ/l.l.cllIltl shnlllllk, tht ~Icpllllrrdntd 1II tht lecond J'lIlJllrlph or pltll.rllph 17 14. NOllc... ^n~ noti('t 10 Borrower pro'ildr.d ror 1IIlhi~ Security Inslrumcllt Iho'!l be gl\'en by dl'li~erjn" il or b~ ml,lin, II h~ flru dau mlil unless IppJi,ablt law rtqulres U5e or another mclhod. The fllllicr shall bt' dlre('led If) Iht Properl)' Addrfu or In)' olll,r Iddrt5s 80ttlJ..." tleslanoll's b~ nOlie, 10 lendn An~ nOlll:e 10 [.cntltr shill bl' .l\'ell b)' ftru ell.. mail 10 ltndet's addrtn sloled htrttrl (11 In)' olhrr addrt55 Ltnder duignolclI b)' llotlce It) J)orrowrr, An)' tlollCl' pro~,d'd ror in thilStcurity Ill5lrumcnt shall be dtttlltd 10 hB~t bttn 'I~en to f)(Jttowtr or LeruJl'r ...htn 'I\'l'n 35 pro\'idfd in Ihil plrllltlph HI. Go"rnlnal...; SnIJlblllt)'. TllII Sl:,urlIY InmuOIl:fJl shllll be go~etlttd b~ fetltrallll~' lInd Ihe IllW or tilt jurisdiction in which Ihe PIOptrly Illo('aled In Iht e\renl that any pro~i~lolI or dousc r)r thi\ Se':lIt1ly InmumclH or Ihl' Noll' conflicts Wllh lI1'plicablt law. \uch nmOiel \h..1I nolarrt't oth~r prO~ISH}m or Ihia St'cunl)' Instrumcnl or Ihc Nolr which &:an be ai\'rn ,lfftl wilhtlUlthc I:Ollllic;llllg pro",i5lon To Ihi\ end the pro~ujl1ll5 llrthl' Se.:utll)' 11l!lrUnltnlOlld Ihe Nott 11ft declortd 10 be !f\'crllblt 16, Dotto.,,'. Cop)', U'lrlll",er shall ht' Ill\rl'n one 'f)n(nrtl\cl1 ':llPY or the NIltt ..IIIJ IlfthlS St..:urll~ IIUlrUmetll. 17, Tr.nde, or th, Propftt)' or II JJtneflcllllnltrutln norro~rr. rr 1111 or ;111)' pari or Iht I'rol)e,,)' or on~ lnlernt III it 1\ sold or Irllnsftrt,d (or If II benen'1I11 lnlernl in 8orrower 1\ ~old Ilr IrOfl,rerrctl UIlIJ BotJo....er IS 11I)lalllllural prnon) ...i1houlltndrr's prior Wrlllen consent, Lender may, 3t it~ opllon, requlrt immedllllc pn)'lTIl'nt In full or all SUIll' stcurrd b)' Ihl5 St(unl~ In5lrumenl, flo...nrr. this optioll \hall not bt exercisetl b)' Lemler Ir C.\e"l~e i5 prohihited by redrralla... 15 oflht datt orlhi! Set;'urll~ Imlrument rr ttnder utreisn thIS o1'lllm. ll'nder shall II\'C Boltowtr nOlu:t or Ilc.:eltntlon lht 1I0(II'C ,hllll pro...idt a prriod ornolll'u Ihln JOdaysrrom Ihe dale Ihe ntlll('l' i!\deli"'tted or milled Within ",hl..:h Borro....er mu\t pay all ~lIml 5tcurrd by Ihil Sceurll)' Inslrument. If J)orrower roils 10 pi)' Ihue SUntl prior 10 the upiullon or Ihis pellot.!, Lender mil)' il1\'okt any rrml'dln pcrmilltd b~ IhlSSetUtll)' Instrumenl wllhout rUrlhcr notict or dtmand 01\ Dlmo...er 18. Borrow,,'. Ria'" 10 Relnslalt. rr Borrower meels certain conditions. 8orrower shall ha\'t Ihc rilt\1 to h....e tnrorctmenl of thilSecurllY InSltUmtnl di5conUllu,d al any tim' prior to the earlier or: (I) , da)'5 (or su('h olher pt'riod as Ipplicablt low m.y sprelf)' ror ttinslalr.mttll) berore sal, or Iht Ptopetly punulnllo all)' powrr or \lIlt conllllned In this Steuril~ Inslrumenl; or (b) entr)' or II judlmenl cnrorcin, Ihis Securit)' Inslrument "Th1l5C conditIons Irt Ihll Borrower: (a) P.Y' Lender 1111 sums wt\i,h thtn ...ould be due undtr thiS Sl'curit)' Inslrument and Ihe Nolt had no OCCtlllrllllon oc',urred, (bl CUttS In)' dtflull of ;lny olhtr .:0\'tlllnI5 or Ilretmenl.,; (el PAYS all upeturs ineumd ill enroreinllhl!l StCUtlty In\lrUmenl. indudinl, but tlol 11lmtl'd 10, rrasonlble Illornt)s' (rts; ..nd (d) lake\ 5uch acllon I!\ Ltnder ml!l~ rrasonably require If) lIuurr thlt th, IItll of this Se':Urll)l Inlttument, lender's tllht5 III Ihe Prnprrly and Rorro...er's obh.lltlon to pi)' Ihe 'ums mured b~ Ih.s Security lu!trumenl !hall contlllU., un.:hllniled Upon rtm!llaltm~nl by Borro...er. (his Se'Utlly ImlrUmtnllnd Ihe oblilOlion\ ,ccurrd htrrby ,hili remain rully elfr.cll\'t a5 Ir no Icccltration h.d tXa:urred. i1owe\'tr.lhls rll1hllO ttltl\tale shall nrH apply III lht cauorll('ctltratlOn under pllrlllroph5 I] or 17 ADJUSTABLE RATE RIDER (. v.., T'IIIIII, IIMI"-"II c.,.) rttlS ADJUSTADLE RME RIDER i. "",.,h.. J~lh '"' or. ..1\994ot ..,19 ,9.9.., "d I. IOlOl)rP'JfalcL! inlo and .hill be .jeenu:\! 10 llmend and lUpplcnI.nllh. ~ltmllllc. OuLl ..,1 TrUll ur Sll:uril) Dud (the "StCU,") 1"IUUm'"I") Qr the lI.!!lr .jAI, .i\'rn bJ the un9u,l.lnl'd t1h1"ByrrQ"l"r) II) It~urt Borto",,'. "dj\lIllbl. RI" N." IIh. "No,,") '0 r.n",YI.~"I.~t.lt~pl~ytt.\;rt.9IL\I"~".. ... ..,,,.,'" (lh. "t.ende,") or the &lme date IInd l:o\'crIIlllhc prl)pcrl) d.u:ribcd in the S'1j1ltil) In,l,ulIllnllnd II)I;a.lc!,j III HQ aQ~hr '\V~/1~~ ,~'~","'Y/1~. PA l '/Q4 ~ IPfOl"r1) Add"ul THI NQTI CONTAINS PROVISIONS ALLOWING FOR CHANG IS IN THE INTEREST RATE AND THE MONTHLY PAYMENT. TH! NOrE LIMITS THI AMOUNT THE BORRQWER'S INTEREST RAT! CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE rHI BOR. ROW!R MUST PAY, AUlmI()N^lCI)'.-l"4~1~. In IlddllhJn It) thCl;Q\,cnllnllllnd IIlrrrmCnll muLl, In the Sc.;utit'llnllrUlIlcnt. BIJHowcr IIl1d lender rurlhcr co..,na"t and alter III (0111,... A, INTEREST RATE AND MONTlILY PAYMENT CIIANGES The Nole provldu (er!ln Initial inlcrcll ra.te of 9""~.Q..,, ,%. The Nole providn (lJ( chonln in th, internt rIte and Ih. O1l)nlhl~ paY'"Cnl', III follow.: 4. INtEREST RATE AND MONTIILY PAYMENT CIIANc;r.5 I A.I Chanl' D.lt. The lnterell tIIte I Vwlll poy may chon.. l,H\xk6<.nxutcll6<...AugU5.t",lO"",., ...., 19.9.L,.llOd on thllt day net)' 12th month Ihcredtcr Elich dUll Qn ..klch my inlerelt rille could chllnat ie called II "Chanle Dale," I BI Th. I.d" Bcainnl". with the flr51 (hllMat Dote. my internl role 'Will be baled on 1I11lndu. The "'ndu" illhe weekly IIVtrllt yield on United Slates Treasury 1ccuriliu odJu.tcd 10 1& conllllnl maturit)' of I year, 11.I mode "Villi, bit by the Fcdtral Ruervc Boord, The mOil recenl Indu liaurc Qvnilable:u of the datc)fl do)'. before each Chinle Dale is coiled the "Current IndclI," 60 Ir the InJu i. no lonler available. lhc Nule Holder WIll choose 3 ncw indu whh:h is blUed upon comparable inrormlllion. The NOle Holdet wllIlllve rile nOlice of lhi~ choicc Ie) C.h:ul'llon of ChanKI5 lldore ellch ChBnlc OlltC, the NOle. Holder will calculate m~ new inlereal talc b~ adIJina ,,~~.Q....<ma....'R1.'l~,::, ,,,.,.,.h~.~.L,,.....,,...,,, pcrcenlllle plllnts (..,~.r..~,Q, ..,,\) 10 the Current Indu, The Note Holder Willlhe., round the mull o(lhilllddilion 10 Ihe nClur,$t one-ciantn of one pcrcentllle point (0.125%) SllbjcCllo the limlts.tated in Sel:tion 4(0) below. this rounded amounl will be 111~ new Interest rate until the nut Chanae Uate, The Note Holder will then determine Ihe amount or the monthl~ pll~menl thllt would be aufficient to repo~ the unp.id principal Ihat 111m upected to owe 1lthe Chanae Date in rull on the mllllml~ date lit m~ new Interest rale In subnllnllllll~ equal pa~ments. The result or this cah:ullllion will be the new amount o( my monthl~ payment (D) L1mlll on Inler.11 RII. Ch.na~' The interest rale I am required to pelY allhe lint Chanae Date will nOI be areater than . to.,..~,P.... ....%or tell than ....8.,..50.......,1,. Therufter, my interest role will never be increased orde..reased on any sinlle Chanae Date by more Ihan one pncenlaae point (1,01,,,") from llle rale of inleresll have been paying ror the precedinlllwelve months, My inlernl mte Will ne'ler be ,rUler than ,1.,4..,5,0... .,% I [I [ffecthe Oale or China" M~ new intereu rBle ..-.i11 be~Qrne elfeclive Qn (:l~h (han,e Date J will pay the anllJunt of rny new monthly payment be.innina on the 1i,,1 monthl) pllyrnel1t date after lhe Changc Date until the amounl Qf my monthly pll)ment changes illaln, IF) NOlin of Chanin The Nole HQlder wllllleh~(r 'H mild hJ l11e J noll<.:If or Jny ..:h,II\II(5 In Ill)' Inlernt rale (Ind the llmount 0.)( my monthly payment berQre the efre~tive dille or any l.:hunge The rhJllCe 110',11 indu!Je informallOn t\~4uired by Irlw to be aiven me and 0150 Ihe title and telephone number of ,I per~r)11 whQ will an~-'er an) 4Ije~tll,ln I mi,\) h(I'Ie regardina the notice. D, TRANSFER 01' TIlE PROPERn OR ,I IIt:NHKI.\L INHREST IN DORROIHR Umforn, Covenant 17 of the Securlly lrulrul11cnl IS amended to rClld O~ follow~: r'lnarcr o~ Ih. Properl, or a Ocncltdllllnltrnl In Oorro,,"tr, If all or any part of the fJropett)' or IIny Inlerelt In it is ~old or transrerred {or if a bcncfklol interest In B\lHQll.er 15 sold or lranaferred and Borro-.er is nol a natural penon) ....ilhoul Lender~ "rlU! ....rl\len consent. l.ender may, aliI' ')IHI')O, reqUlrc Immediate payment in full or all sumll ucured by lhi, StCUrll) rmtrumenl IIQ"cver. I hl~ 'lPllun ,hall not be c'(erclSed by Lender If c~erciae is prohibited by redcrallaw U o( the ..tHe \If lhl~ Security In'lr~lf"cnl lenller alst) ,halJ nol exercise this opllOn Ir la) Borrower callies to be 'ublllllled III Lender Informatlun re4ulrcd by l.ender tl,l e'lah,atc the intended lranderee in If a ne.....IOlln wt!re bCIn, mad.e III ,he Ir,ln~rerer. Jnd I bl LentJer rCJS<Jn,lbly IlClcrrTllneS lhllt lendu'$ securily will nol be Impaired by the lOin J)surnpllon and IIHII the mk \lr J brcal.:h I,r Jny CIl\enant or aarecmcnt 1f1 thl!! SecurllY Inatrument il acceptable to lender MULTI!ifAfl AOJIJST"BLI RATE IlID!R-AJ:lM ~., _';,"';'" ,",j,",I.,-F.nnlf "'It Fltddll M.e: Uniform In,llum,nl 'orm 310lJ 15 ..-----',. ,,.,---" PSE(~ PENNffiVANIA STATE EMPlOYEES CRmlT UNION ~ '--... ~ "v March 21, 1994 02Q2466103 Loan #8 .', Mitchell'Stein and Kristi Frederick 4093 cypress Rd Apt G Harrisburg PA 17112-2849 IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS. Dear Ms. Frederick and Mr. stein: The Mortgage held by the Pennsylvania St~te Employees Credit union on your property located at 410 Bosler Avenue, Lemoyne, PA 17043 is in serious detault bacause you have tailed to pay promptly installments of principal and interest, as required, tor a period ot at least sixty (60) days. The total amount ot the delinquency is $1,737.18. This sum is good through March 31, 1994. A regular scheduled monthly payment ot $289.53 is required on April 1, 1994. You may be eligible tor tinancial assistance that will prevent toreclosure on your mortgage if you comply with the provisions of the Homeowners' Emergenc~ Mortgage Assistance Act of 1983 (the "Act"). You may be eliglble for emergency temporary assistance it your default has been caused by circumstances beyond your control, and if you meet the eligibility requirements ot 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 ot foreclosure on your mortgage for thirty (30) days trom the date ot this Notice. During that time you must arrange and attend a tace-to-face meeting with a representative of PSECU, or with a designated consumer credit counseling agency. The purpose of this meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency. This meeting must occur in the next thirty (30) days. Main Address: 1 Credit Union Place, Harrisburg, PA 17110.2990, (717) 234-8484' (800) 237.;'328 Mailing Address: PO, Box 1008, Harrisburg, PA 17108.1006, (71'7) m2100 (TOO)' (800) 472.1967 (TOO) 51""'71 '''''''''' ,,""" cO m 1100000 "'~. - CI1IlII u.... _. r-)(. nl b, I- ..6 PSE(~ PENNSYLVANIA STATE EMPlOYEES CRmlT UNION 0202466103 If you attend a face-to-face meeting with a PSECU representative, or with a consumer credit counseling agency identified in this notice, QO further proceeding in mortgage foreclosure may take place fo~ thirty (30) days after the date of this meeting. The name of PSECU's reprasentative is the undersigned and may be reached at PSECU's address or by calling (717)234-8484 or toll free (800)237-7328. This representative's extension is 2131. The name and address ot the consumer credit counseling agency in your area is URBAN LEAGUE OF METROPOLITAN HARRISBURG, INC., 28 North Second Street, Harrisburg, PA 17101, (717)234-3253. It is only necessary to schedule one face-to-face meeting. ~ou should advise PSECU immediately of your intentions, If you have tried and are unable to resolve this problem at or after your face-to-face meeting, you have the right to apply for financial assistance trom the Homeowners' Emergency Assistance Application with one of the designated consumer credit counseling agencies listed above. An application for assistance may only be obtained from a consumer credit counselini agency. The consumer credit counseling agency will assist you n filling out your application and will submit your completed application to the Pennsylvania Housing Finance Agency. Your application must be filed, or postmarked, within thirty (30) days of your face-to-face meeting. It is extremely important that your application is accurate and complete in every respect. The Penn~ylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. Durlng that additional time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. ~ou will be notified directly by that Agency of its decision on your application. The Pennsylvania Housing Finance Agency is located at 2101 North Front Street, P. O. Box 8029, HarriSburg, PA 17105. Telephone No. (717)780-3800 or 1-800-342-2397 (toll free number). If you choose to exercise your rights described in this notice, we cannot foreclose upon you during that time. Also, if you receive financial assistance from the Pennsylvania Housing Finance Agency, your home cannot be foreclosed upon while you are receiving that assistance. Sincerely, )1 n-A _-:JCl~ '1....., IVJ r "'~ Toni L. Thomas Collector Main Address: 1 Credit Union Place, HarriSburg, PA 17110.2990.1717) 234-8484' (800) 237.7328 Mailing Address: PO. Box 1006, Harrisburg, PA 17108.1006, (717) m2100 (TOOl' 1800) 472.1967 (TOO) - SlWIQ' '"'''''' InuIO 110 = '100 coo ~ N HnonII CIa Urm AdtN..IliI'&!k.,. .---- .~ PSEC~ PEMNSYlVANIA STATE EMPLOYEES amlT UNION ~(Q)[pJV March 21, 1994 0202466103 Loan #B Mitche1l'Stein and Kristi Frederick 4093 cypress Rd Apt G Harrisburg PA 17112-2849 Dear Ms. Frederick and Mr. stein: The Mortgage held by the pennsylvania state Employees credit Union (hereinafter we, us, or ours) on your property located at 410 Bosler Avenue, Lemoyne, PA 17043, IS IN SERIOUS DEFAULT. The total amount required to bring this account current as of March 31, 1994 is $1,737.18. A regular scheduled monthly payment of $289.53 is required on April 1, 1994. You have THIRTY (30) DAYS from the date of this letter to cure this default by paying us thB above amount of $1,737.181 plus any additional monthly payments which may tall due dur1ng this period. Such payment must be made either by cash, cashier's check, certified check or money order, and made at the address stated below. It the default is not cured 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. We will also instruct our attorneys to start a lawsuit to foreclose your mortgaged property. If the mortgage is foreclosed, your mortgaged property will be sold by the Sheriff to payoff the mortgage debt. If you cure the default after we refer your account to our attorneys, but before actual legal proceedings begin, you will still be required to pay the reasonable attorney's fees up to $50.00. If the default is cured after legal proceedings begin, all reasonable legal fees, regardless of the amount, will be added to the total owed on rour loan. only if the default is cured within thirty (30) days w 11 you avoid legal fees. If we are forced to foreclose and the sale of your property does not payoff the total debt, we may also sue YOll personally for the unpaid balance and all other sums still due under the mortgage. Main Address: 1 Credit Union Place, Harrisburg, PA 17110.2990. (717) 234-a484' (800l237.i328 Mailing Address: PO, Box 1006, Harrisburg, PA 17108-1006, (717) m.2100 (TOO)' (800) 472-1967 (TOOl Sowvj.I_ ,,,.,., up III 1100,000 by ". HI_ Croait U,*", .00","",,1\0. E I .\\ YJ\ \- C, PENNSYlVANIA STATE FMPl.oms CRIDIT UNION 0202466103 If you h4ve not cured the default within the thirty (30) day period and foreclosure proce~dinqs have bequn, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's foreclosure sale. You may do so by payinq the total amount of the unpaid monthly payments plus any other charqes then due, as well 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 Sheriff's sale could be held would be 90 days from the date of this letter. A notice of the date of the Sheriff's sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by callinq me at (717)234-8484 or toll free at (800)237-7328. My extension is 2131. This payment must be in cash, caShier'S check, certified check or money order and made payable to PSECU. You should realize that a Sheriff's sale will end tour ownership of the mortqaged property and the right to remain in t. If you continue to live in the property after the Sheriff's sale, a lawsuit could be started to evict you. You have additional riqhts to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. (YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, (AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED]. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST). YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY A THIRD PARTY ACTING ON YOUR BEHALF. If tou cure the default, the mortgage will be restored to the same pos tion as if no default had occurred. However, you are not entitled to this right to cure your default more than three times in any calendar year. Sincerely, Toni L. Thomas Collector Main Address: I Credit Union Place, HarriSburg, PA 17110.2990, (717) 234-8484' (8001237.7328 Mailing Address: PO, Box 1006, Harrisburg, PA 17108.1006, (717) m.2100 (TOO)' (800) 472.1967 (TOO) s.~1'IQI l.;nJ'f InsutId up to S 100 ~ :'J Il'f r. Nnor." CtIlJf UI'IOIl Admlruman ". ~ 368 L47 330 36., J P L47 330 6' p \ Receipt for ~ Receipt for ~ -2" Certified Mln ... Certlflld Mill ~ 'ff No In.ur.ne. COy."g. Provld.d ...) I. No In.ur.nelt CO...".9. Provided Do not UII for Int'rnlllQnl1 Mill , 11t~1~ 00 not UII 'or Intlrnltlon.1 Mill -i .:IIL-A'A\ IS.e RlvrulIl .3 .:a IS.. R.....'.., e~i -:-r ,,,,,, "Y\A;tchell i~ "'b- ~ H I/~ - C IttS:. b- p, /101./ -. $ .~ ""'>0 <' H ~ ";..H"",h. .J... O\:l e",IoIo'oJ'" .,1... ~Q 5~,c"1 ()., ".'~ 1'"" ';)1:1"" Crtl,.ltry F.. $ -L. ~ -;; 6 t; rl ~ & "- Ie AUI,'Clld 0.11.11'1 F-u .~ f! l - ~ Ie IIIlII,ell'" D.".",., fu i1'l\llnH.,.,ctSnO"""'3 Ie W"om" 0,"0,1'.'ff(1 lI,h,lIl Hle"II! ::ihQ"",ru) loJWh"m 0," .mj ^oo.tI... ,Il"df'" .)r"I.I''''I'Q' "F... P"llmluk or Dill. Rlth..rn ".e,,/:,I Showone) III Whom 0\ 0". a,hYlttd R,I!>,n A,e,11l1 :)"0""'"9'0 WhO"'. 0...: 'I'd ,/lIlIl'tI..,. ,64dr... TOTAL J)Oll'Q' 110Ft" POllm'fk 0' DOle $~ .:z.f ).. ~~' .:... i . . , "'::J- .~ . dI; --. ,. . os- ~ . , ';:'-- 2.: '~ () r" If) <1-. II) ~l - c:> .~ r<'\ - r., - . \.1) ,v) ('..:) 1.'1 iI. "'::t- ~ ~ <n ~ .~ I".J ...,. g Q "l.. ~, '-.j 0) ~ ~ '" G g ? I,~ :.: ~~~::l~-;; ~ Pili::: Vi I" ~~~~~~ ~ "90"':" .:1~zo;"E ~~ ~ ~ f:! 0( :r . . L.lwOllh'l'" rlf TURNER A:-'D O'CONNELL