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FARMERS TRUST COMPANY,
Plaintiff
IN THB COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL ACTION - LAW
v.
BETTY A. KUYKENDALL
Defendant
No. 94-7273 CIVIL TERM
PRAECIPE FOR DEFAULT JUDGMENT
TO THE PROTHONOTARY:
Enter judgment in favor of the plaintiff, Farmers Trust
Company, and against the defendant, BETTY A. KUYKENDALL, in the
amount of $12,611.36, with interest at the rate of 12t percent
per annum from December 27, 1994 through January 24, 1995
($3.88 per diem) together with attorney's fees in the amount of
5 percent and the costs of suit, by reason of the failure of
the defendant to enter an appearance or to file an answer
within 20 days of the date of service of the complaint endorsed
with a notice to defend.
By: ~,~~
Attorney for Plaintiff
Dated: January 24, 1995
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FARMERS TRUST COMPANY,
Plaintiff
: IN THE COURT OF COMMON PLFAS
I OF CUMBERLAND COUNTY,
: PENNSYLVANIA
I CIVIL ACTION - LAW
:
:
:
: No. 94-7273 CIVIL TERM
v.
BETTY A. KUYKENDALL
Defendant
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
TO: BETTY A. KUYKENDALL
140 APPALACHIAN DRIVE
CARLISLE, PA 17013
Your real estate situate in Silver Spring Township,
Cumberland County, Pennsylvania, is scheduled to be sold at
Sheriff's Sale on JUNE 7, ~, at 10 o'clock A.M., in the
County Commissioner's Conference Room, Second Floor, cumberland
County Court House, Carlisle. Pennsylvania. to enforce the
court judgment of S12.611.36, plus costs and fees obtained by
Farmers Trust Company, against you.
NOTICE OF OWNER'S RIGHT
YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE
To prevent this Sheriff's Sale you must take immediate
action:
1. The sale will be cancelled if you pay to the Sheriff of
Cumberland County. the amount of the judgment plus costs, To
find out how much you must pay. you may call the Sheriff of
cumberland County at (717) 240-6390.
2. You may be able to stop the sale by filing a petition
asking the Court to strike or open the judgment. if the
judgment was improperly entered. You may also ask the Court to
postpone the sale for good cause.
3, You may also be able to stop the sale through other
legal proceedings.
You may need an attorney to assert your rights. The sooner you
contact one, the more chance you will have of stopping the
sale.
-
"
..J.
... ,
YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU
HAVE OTHER RIGHTS EVEN IF THE SHERIFF I S SALE DOES TAKE PLACE
1. If the Sheriff's Sale is not stopped, your property
will be sold to the highest bidder. You may find out the price
bid by calling the Sheriff of Cumberland County at (717)
240-6390,
2.
sale of
of your
You may be able to petition the Court to set
the price was grossly inadequate compared to
property.
aside the
the value
3. The sale
Sheriff the full
has happened you
(717) 240-6390.
will go through only if
amount due in the sale.
may call the Sheriff of
the buyer pays the
To find out if this
Cumberland County at
4. If the amount due from the buyer is not paid to the
Sheriff. you will remain the owner of the property as if the
sale never happened.
5. You have the right to remain in the property until full
amount due is paid to the Sheriff and the Sheriff gives a deed
to the buyer. At that time, the buyer may bring legal
proceedings to evict you.
6. You may be entitled to a share of the money which was
paid for your property. A schedule of distribution of the
money bid for your property will be filed by the Sheriff within
thirty (30) days of the sale date. This schedule will state
who will be receiving that money. The money will be paid out
in accordance with this schedule unless exceptions are filed
with the Sheriff within ten (10) days after the date of the
filing of the schedule of distribution.
7. You may also have other rights and defenses, or ways of
getting your property back, if you act immediately after the
sale.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE,
IF YOU DO NO'r HAVE A LAWYER OR CANNOT AFFORD ONE,
GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND
OUT WHERE YOU CAN GET LEGAL HELP,
COURT ADMINISTRATOR
'I'hird Floor
cumberland County Court House
Carlisle, PA 17013
(717) 249-1133
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FARMERS TRUST COMPANY, ~ IN THE COURT OF COMMON PLEAS
Plaintif f ~ OF CUMBERLAND COUNTY.
I PENNSYLVANIA
v. I CIVIL ACTION - LAW
I
BETTY A. KUYKENDALL ~
~
Defendant I No, 94-7273 CIVIL TERM
NOTICE OF SALE OF REAL ESTATE
PURSUANT TO PA.R.C.P. NO,J129(b)
1. The property to be sold pursuant to the above captioned
judgment is all that certain tract of real estate situate in
the TowlIship of Silver Spring, Cumberland County. Pennsylvania.
as more fully described in Exhibit "A" attached hereto and made
a part hereof. The said property is improved with a dwelling
house.
2, The judgment of the Court in which the sale is being
held is No. 94-7273 Civil Term in the Court of Common Pleas of
Cumberland County, Pennsylvania.
3. The names of the owner of the property to be sold
pursuant to the above captioned judgment are BETTY A.
KUYKENDALL. 147 APPALACHIAN DRIVE, CARLISLE, PA 17013.
4. The time and the place of the Sheriff Sale is 10
o'clock A.M., June 7, 1995 in the County Commissioner's
Conference Room, Second Floor, Cumberland County Court House,
Carlisle. Pennsylvania,
5. A Schedule of Distribution will be filed by the Sheriff
on a date specified by the Sheriff not later than thirty (30)
days after the sale and distribution will be made in accordance
with the Schedule unless exceptions are filed thereto within
ten (10) days thereafter,
By:
\Nl~~,CctA^'"
William A. Duncan
1 Irvine Row
Carlisle. PA 17013
(717) 249-7780
,
YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU
HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE
1. If the Sheriff's Sale is not stopped, you~ property
will be sold to the highest bidder. You may find out the price
bid by calling the Sheriff of Cumberland County at (717)
240-6390,
2,
sale of
of your
You may be able to petition the Court to set aside the
the price was grossly inadequate compared to the value
property.
3. The sale will go through only if
Sheriff the full amount due in the sale.
has happened you may call the Sheriff of
(717) 240-6390.
the buyer pays the
To find out if this
Cumberland County at
4. If the amount due from the buyer is not paid to the
Sheriff, you will remain the owner of the property as if the
sale never happened.
5. You have the right to remain in the property until full
amount due is paid to the Sheriff and the Sheriff gives a deed
to the buyer. At that time. the buyer may bring legal
proceedings to evict you.
6. You may be entitled to a share of the money which was
paid for your property. A schedule of distribution of the
money bid for your property will be filed by the Sheriff within
thirty (30) days of the sale date. This schedule will state
who will be receiving that money. The money will be paid out
in accordance with this schedule unless exceptions are filed
with the Sheriff within ten (10) days after the date of the
filing of the schedule of distribution.
7. You may also have other rights and defenses, or ways of
getting your property back, if you act immediately after the
sale.
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 LISTED BELOW TO FIND
OUT WHERE YOU CAN GET LEGAL HELP.
COURT ADMINISTRATOR
Third Floor
Cumberland County Court House
Carlisle, PA 17013
(717) 249-1133
FARMERS TRUST COMPANY, IN THE COURT OF COMMON PLElAS
Plaintiff OF CUMBERLAND COUNTY,
PENNSYLVANIA
v.' CIVIL ACTION - LAW
IN MORTGAGE FORECLOSURE
BETTY A. KUYKENDALL,
Defendant No. CIVIL 1994
ADMENDED COMPLAINT
AND NOW, comes Farmers Trust Company, through its attorney,
William A. Duncan, Esquire, and files this Complaint in
Mortgage Foreclosure, of which the following is a statement:
1. Plaintiff is Farmers Trust Company, a corporation
organized and existing under the laws of the Commonwealth of
Pennsylvania with its main office and principal place of
business located at 1 West High Street, Carlisle. Cumberland
County. Pennsylvania 17013.
2, Defendant, Betty A. Kuykendall, an adult individual,
who resides at 140 Appalachian Drive. Carlisle. Cumberland
County, Pennsylvania 17013.
3. On or about June 28, 1988. Defendant made, executed and
delivered to Plaintiff a note and security agreement and a real
estate mortgage financing Sixteen Thousand Six Hundred
Ninety-four and 66/100 Dollars ($16,694.66), a copy of said
note and security agreement and said real estate mortgage being
attached hereto as Exhibits "A" and "B", respectively, and are
incorporated herein by reference as though fully set forth.
4. Said note and security agreement and said real estate
mortgage have not been assigned.
5. Betty A. Kuykendall is the sole record owner in fee
simple of said premises subject to said mortgage. by virtue of
a Oeed dated and recorded on October 5, 1967, and recorded in
the Cumberland County Recorder I s Of fice in Deed Book "N",
Volume 22, Page 474. more specifically set forth in Exhibit
"e", attached hereto and made a part hereof by reference.
6. Said note and said real estate mortgage are in default
because Defendants herein have failed to pay the payments that
were due and owing for the months of September 10. 1994 to
December 10, 1994.
7. The Plaintiff has given to the Defendants writ,ten
notice of intention to foreclose on said mortgage as required
by law under Act 6, dated November 15. 1994, a copy of which is
marked Exhibits "D". "E" and "F". and attached hereto and made
a part hereof by reference.
8. The Plaintiff has given written notice of default as
required by the Homeowner's Emergency Assistance Act of 1983,
dated November 15, 1994, a copy of which is marked Exhibits
"G", "H" and "I", and attached hereto and made' a part hereof by
reference.
9. By reason of the aforesaid default, the entire
principal balance of Twelve Thousand Four Hundred Seven Dollars
and 22/100 ($12,407.22) Dollars, with interest thereon at the
rate of twelve (12,OOt) percent per annum computed from
September 12, 1994, accruing insurance premiums, attorney's
fees in the amount of Five Hundred Eighty-Nine and 34/100
Dollars ($589.34) are now due and payable.
10. The Defendant is liable to the Plaintiff for the
following on said mortgage loan:
A. Principal amount and interest
due through September 12. '1994 $ 11,640.21
B. Interest at 3.88/day from
9/12/94 to 12/27/94 $ 177.67
C. Late Charges: $ 0.00
D. Attorney's Collection fee: $ 589.34
TOTAL: $ 12,407.22
WHEREFORE, Plaintiff prays the Court to enter judgment in
favor of Plaintiff and to order tho foreclosure and sale of the
morgaged property and for the amount of Twelve Thousand Four
Hundred Seven and 22/100 Dollars ($12,407.22) together with
interest thereon. costs and all other amounts advanced by
Plaintiff.
\~hc~
William. can, Esquire ,
Attorney for Plaintiff
1 Irvine Row
Carlisle, PA 17013
(717) 249-7780
Rft~TAG'E
!hl coli 0/ your Cledil
III YI..ty 1111,
fiNANCE
CHARGE
111I doll.. .mounllhl
cred~ will coli you,
Amount Financed'
lhl .mount 01 c.edll Plov,ded
10 IOU or on you, blh.1I
%
· \J. \t.\ ,14
I \lo ~(')lj .l.~__ -~.J:~<;i"!i!.,--4'Q
YOUI P. _I ScNd_1t w~ be: 1m.... .n IIllm.11
Humbel of P.ymlnl. ~ounl ,;; Pat,!,.nt. _~ ~h.n P.!l'!'l~n!! ~'I QU! J ~d [---.:---- 6l
I~~ g4Q~~tL__ Monl~I,.btl,"I!!,~dX~~:L \'-' JB
$tcllltlJ: You I" ,vinlI If(ullly inllllll in:
q thl 1OOd. 01 propertl beinl ,""chued, \
tJI (b'illdtsclipliono[.qlh" ~rtl.l \1.\0 ,~ \'r-~'~""lA~t:...
'1fI11'HII.Q.nr, \(".[ LuJD'~_
PII\II"",,,I: II you illY oil ..rty. you ",II not h... 10 pay . Pln.lly,
Set your conllle! docum.nll I.. Iny ldd'lion.1 inlOlm.llon .bout nonpaymlnt, dll.ull, .ny requi,ed llpaymlnlin lull btfollthll(heduled
dill. Ind prlpaYllllllllllund. nd pen.nlts
- _ _ _ _n______ __._
~i!~!iij!!i!c!~ o'Ai"oun!Fin.riced
Amounl fln.nced
I \ ~ \i\,-\, ~ IQ
Am..;nlli..n 10 IOU drrlClly
-~~) ,
Amounl p.id on IOU' Iccounl
_,
Amount ~ 10 othlrs on youI blhlll
10 publi( olliei.l,
Tolal of Payments
Ih. Imounl you Will hlv. paid Ill..
IOU hI" midi III "hodul.d pl,mlnl.
I
c "'-< \,\ 'oj. (>,.., S\\""'~I"'''~
'TwY"
to insullncl company
J.....\~ . Ill,
10
I
to
I
10
_L,_____
lh. Annu.1 Pree.n.... R..., Amounl Fin.nced.nd P.ym.nl Seh.dul..h..n .buv. .re P'" 01 Ihi. NUl. .nd Secu.lty A.r..m.n, C..hleh i"oll.d Ihe "NOI."), Yo. '" ,he
pinon (or pen.n.) ..bo .I,n. U -"ollo...r.or -Co-SI,ner"belo.. II mn" Ih.n un. pCllon II,n. bel.... 'I(h 01 ynu ..III b.llebl.. "P"'lely .nd 'ult'her. 10r.1I O',.UI
prOmlle1 In Ihl. Note,
YOU PROMISE
TO PAY TO US:
or 10 our order.., .oy 0' our omce., Ih. Amo.nt Fin.ne<d. plulln'''''t.. p,ovid.d belo".ln Ih. n.mber 0' .qo.1 monlhl, p.ymenl. .ho..n in Ih. P.,men, Sehrdul.,
P.ym.nll.redu. be.lnnin,on Ihed'I.lndie..ed in Ih. P.ym.nl Sehedule.nd on Ih. 11m. d., ole..h 101l0..ln.m.nlh un'iI....re p.id in lull, You m.y p,y in .dvln"III
or part or lhe balal1C'e due It any lime, wlthoul penahy or premium,
SfCURITr ..GRliflllfNT, A. ",eurlty lor 'b. p,omp' p.ym.n. ol,b"um. you
o_e Ind Ihe proper performance of you.r prQmilel in Ihil NOle, you and alllhe
"Co.O_Mu".ilnln. btlo_,ranl UI:
(i) · ..eurlty Inl.....ln ,he lollowln. ",/Sonll pro...ny, .nd Itl .quipm.n, .nd
1CC'CllorICl:
Our securil)' Inlernl Includes p.r1l, cllled "acccuionl," added 10 Ihe penonal
property al any Iller lime.
.. aMan .~upon;I.\~{>,f(C>.\e:..<;,,\...,c...... -~\ C.Ar\\l\t..
A" lilt pro...ny which "".re. 'bl. NOI "c.".d. e 'COII.I",I.. Our ,I,hu .nd
)'our rClponaiblliltcl rc..rdin,any penonal propert)' Collllerallre providtd in Ihls
Stcuril)' A,reemenl, whIch conlinue. on Ihe reverst lide, Our riahes In InY real
propeny Collllerll arc conlained in Ihe MOl1llle. Al )'our npenle, you will
cooperlle and join wllh u. in daninllnlJ filinadocumenll and In Ilkinlln)' olher
lI.p. ..hieh... d..m n.ce.."y'o ...rl.ct, m.in..in ...rfeellon 01, .nd 1I111ly our HOOD INSURANCE AND PROPERTY INSURANCE MA Y BE OBTAINED
..eu,;'y in'"",lo 'h. CoUllerll, THROUGH ANY AGENT, BROKER OR OTHER PERSON OF YOUR
IF NO REAL OR PERSONAL PROPERTY IS IDENTIFIED ABOVE, THIS CIIOICE, 5.. In.u..ne. in pIII,r.ph H ol,h. Seeuri,y A,re.m.n, on Ih. "vcr..
NOTE IS UNSECURED, .Id.,
CREDIT INSUR..NCE IS NOT REQUIRfD: Subj.ct,o le"pl.nc. by Ih. inlurer n.med below, credit In,ullnco i. .vllllble Ihrou.h UI lor Ihe'"m of 'hi. Norc II th,
eOIl(') .ho..n belo.., Sinll. Credit ur. .nd Sin.l. Credie Accld.nt A 1I..lIh In,ullnco.re ..,iI.bl.lo .ny one BOliO.." or Co-Si.ner .i.nill, lor inlu..nce belo.., J.ial
Credl, Lileln.u..n" I. ...II.bl.,o Iny I... 01 you .i,ninl lor lueh inlu..nco below, Nncredi,lnlu..nco..i11 be pro,ld.d unlm'h. Ippropri...II.rcm'OI(.) 111i.n.d b,'h.
plnon('lIo be inm.d .nd Ihoeoll. .ho..o belo..." included inthe Amounl Fin.nced, (5.. the NOTICE OF PROPOSED CREDIT INSURANCE on 'he ""n"ld.,)
B"I.nia.. you w.nl Sinll. Credit Uf. In.u..nco, By li,nin., you .,nl Sinl" c;..dil Accjd.nlA Healtb By li.ninl,'ou bOlh w.nl Join, Credil Lileln,ullnco,
..bieh eOl" /, In'o"~h eo.1I $/ Q'i3, ~f.t. whicb CO.I. S Wh..."
(~/ your alU?
I,
2,
J.
Whal in )'our lac?
5"J
Whll il your .,,7
Yun
Insurer:
II0W INT!'RfST IS CII..RGflJ: Th. Fin.nce ChI/I' con,IIII only 01 Inl"'"
Impoled dAily un the oUhlandin. bllance uf Ihe Amounl ni1.nud 1IIl1t Annual
Percenl.ae Rile, The finance Charle .hown above "'II nlured b)' IIlumln,thal aU
pl)'menll were rectivcd on (heir dUI dllla, If an)' pl)'menl i,la'f, )'ou mUll pay morc
Finlnce Chl/I.,h.n I.,h...n benu", ol'h. .ddi,ion.' inl'''" impo..d, II )0. p'y
clrl)', Ihe Finance Char.e will be lell. The Imounl of the incruse or dccrulC In
Fln.n" Charr< ..III be due ..irh Ih. IUI p.ym.n., ..Meb will be modill.d 10 "nrcr
Ihe ICIUII Imounlthen due,
SfT'OFF: The I... .Iv," u. . dlh, 01 ..t,oll In .ny 01 your pro..."y In our
pOlle5l10n II In)' lime, includln. depolh Iccounll. Thil meanllhll,lr )'OU delaull,
we may exercise our riahl or lei-off and apply In)' or your properl)' in our
pOlltlllon, (ncludin. depo,ilaccuunll, Iu Ihe luma you owe on Ihl. NOle,
FLOODINSUR..NCE: II eheektd 0, in.uranc. I. required ".inll "ood d.m'lt
10 Impro,ed re.1 pro...ny or m.bil. home COIIII".1.
I'ROl'fRTr INSUR..NCE: 111M. Note I. ..eu,<d by ColI.....1 which I. nOlln our
pOllelllon, insurance l.ain'l ph)'linl damaac 10 Ihe CoUaleral is required (or lhe
lull term 01 the No,.,
I,
_Vean
(,/{
'"
2. _ Vuu
SI.nl'U", 0' bo,b "'/lon. '0 be in.ured
for Jolnl Credit lire Insurlnce
YUIl
U '.
nCURITY OF AMERICA LIFE INSURANCE COMPANY, R..d'..., Po. .::J ~ - 0 co, ., <c - ,~ (., 1 () S-
THE ADDlT'lONAr T~RMS AND SECURITY AGREEMENT ON TilE REVERSE SIDE ARE PART OF THIS NOTE,
BY SIGNIN() u,'i,OW, YOUINTENl> 10 Dr: I,WAI.I,Y BOUND "Y AU. OF THE TERMS OFTIfIS NOTE,
YOU "-SO ACKNOWI.El>GE RH'EIVING A COMPI,ETEI) COpy OF TillS NOTE,
./ ~ ------- \4::> f1o...I".\c....<Ly..,'CA"~r c.t., k\... ((<.,.. 17~!L
l'e ~ AddrtSl r,-
J __ .1':1~ i\.-..."'\......\..''''''''"'\)r c."'t\,\\....'\'.... \'.0\1
Add~,
--.--- -_._,~_._..- ,--.-.- ._---------~.
NOTICr. TO {'O,SIGNER
You are belnlalk.d 10 lu..anlte Ihl. d.bl. T"lnk cardUlly "dor. you do, II I". Borrowtr doesn~ pay Ihe d.bl, you 1011I ha..lo.
III .ure you un aaord 10 pay If you ha"lo, and Ihal YOII wanl 10 acupllhl. respon.lhlllly.
You may ha..loplY up 10 Ihl fullamounl ofU.. d.hllflh. Borrowtrdoes nol PlY. You may also hlV. 10 pay lalo f.es 01 coll.cllon
eoall. "hleh InerUltlthl. amounl.
Th. Credllor un coll.c1lhl. d.bl from you wltho~t nUllryln<< 10 coll.cl froRllho Borrower, lh. Creditor ca,. u"I"""m. colloclloll
mlthod. a.aln'l youlhal can be u"" alaln.II". Bllrrowtr, ."ch.. .uln. you. tic. lIlhl. dohll. ..er In delaull,lhal facl may becomea
pari of you, credit r,cold,
C(J.SIGNEII.'S SUII.ET)'AC;II.EF.U~NT.. You.lh. .....an(.' perlon')"I"ml" "l'o,S'lner"l>elo.., p'Om".lo p,y '0 '''0' h,our o,der 'he Amounl Hn.nced, plu.
In"',.lIlnd o'herch"I"... proVld,~ ,.. 'hll No" Vou m"nd '0 helel.lly ho..noJ hy.U th"ern" n, 'Iu, No". ..P.....ly .nd IOI""er, wilh the Horrower You."
m.k,n.'hll plOml...., mdoce u,'o m." th.lo.n 'u 'h. Bnrro..er, '"n Ihnulh Ih. P,o"'d. ..,II be n"oJ unly la, 'h. BorruwII" I>en,lit Vou'I".lhll w. m.y "ok
imm.~"tc p.,ment flOm;? ;"huUI m.k,n. .ny p"or d.m.nd lar p.yment upun 'he HOllo..er Yn. .1", ackno..i'd.e "'"..nl' compret.d e"PI ul thi. No"
/2. q-/ (~C,/ ",(i~~( _\~Q:\\<'?/?~~..,sh",,,""'\>ll). ,..\.(..
(o-Slanet. nalure ,.T"P.~ .)CHI.IT Atldrr" 'l"f~ _. ".. _,
REAL
1.1 "\'''1
ESTATE MORTGAGE
II 3t..-/O<;
RECOIlCE;., fr:;" ll; 11,1:
IIImlmIU[[~-IDF r~ICla:'Of TIll:
CU ~ ~~~~~~~:€ ?:~r' DEED.
'8'BHUJu 6 '!MrrWNYli P,t
L IJOR~.i:JRIIO
INDENTURE. mild. thl. 2Rth d.y 01 JllnA
Betty A. K~kendall and Earl Kuykendall
- , by .nd belwlln
( o..n.ARM)
IIld fARMERS TRUST COMPANY, . P.nn.ylv.nl. Co,pollllon (MORTGAGEEI,
.
1..L
1 West Higll
StrHt, ('ArlielR
, P.nn~ylv.nl.,
MORTGAGORS. on Ihl. d,", h.v. ..ecUlld . nOI. by Ih. tllm. 01 which MORTGAGORS hlV' bleom. Indlbllld to
MORTGAGEE In Ih.lUm 01 16694.6L- 001111I10 b. p.ld, Including Inlftrell.. ,plC"I.d Ih,"ln, within 120
monlh. Irom Ih. d.1I hlflOI In --.l2L monlhly Inlt.llmenll 01 .2!O...41 DolI.n .nd Ih. Ilnl Inll.llm.nl 10
be peld on '"'gl'Al- In ,19.88 .nd the .ucc.edlng Inll.llmenll 10 b. p.ld on Ih. IClt-h day 01 .ech month
th"..ll" unlll Ih, .nllr. .um due I. p.ld In lull,
Thl. Morllllgllnd Ih.llen Ih.reol .h,11 be IIcurlty lor Ihl. d.bl .nd loreny .nd .1I10.nI,h., m.y b. m.d. by MORTGAGEE
to MORTGAGORS ., .ny lululI 11m.; provld.d, hOW'VII, Ih.t II no tlm'lh.lllhe lum 01 Ih. unpeld b.l.ncII 01 Ih. pllllnl d.bt
.nd .1I.ubHqu.nllo.nl..c.ed In the .ggreg.t. .n unp.ld I.c. .mounl 01 S 1.6.694. 66
MORTGAGORS coven.nl.nd werr.nl Ihll MORTGAGORS heve lull lee Ilmpl,'llle 10 Ih. morlgeged pr.mllll her.ln.llll'
dllCrlbed, ,h., MORTGAGORS will p.y the .bov. menllon.d d.bl II requllld by Ih. seld nOli, .nd .ny IUluII lo.n. .. r.qulred;
th.lth. bulldlnlll on Ih. premlllllh.1I be kepllnlured .g.lnSlloll by lire lorth. b.n.fll 01 MORTGAGEE, In comp.nlll .nd .mounl.
uIIIl.clory 10 MORTGAGEE, with. &lInderd mortgage. ciBUla; and MORTGAGORS will pay any "', '''lIIm.nl or olher
governm.nt.1 ch"IlI, Including w.llr and lawer renll, a&l.S1.d ag.lnll or Imposed upon Ih. "hI premllll, .nd will d.llver 10
MORTGAGEIl rec.lple Ih".Ior Immedlel.ly upon d.mend,
Upon nonp.ym.n\ by MORTGAGORS 01 eny Inllallment on Ihe d.,. wh.n .uch In.tallmenl.hall 1.11 dU', Ih. .nllre b.l.nce
01 Ih. ,'orlllld d.bllh.1I become due .nd p.y.bla, IIlh. option 01 MORTGAGEE, .. provided In Ih. noli,
In Ih. evenllhll MORTGAGEE rel.ln. .n II10rney 10 InllllulI an .cllon on Ihe IIld not. or 10 loreclolll on Ihl. MOrl8llQl.
th.n MORTGAGORS lIlall pay. In addlllon 10 the b.lanc. due on the seld nOle, Including Inl.rell, If any, .n allomey'. collecllon
lee 01 16 percent 01 the lullemount then duaand COSIS ohult; end In the evenl that MORTGAGEE oblaln. 'Iudgmenl agalnll MORT.
GAGORS In Ih. .ult on the "Id nOli or on Ihll Morlg.g., and therealler Ilsues a writ 01 ..ecutlon or othll .pproprlall wrll on
th. laid ludgm.nt, Ihen MORTGAGORS her~by welve all rlghtl and beneflls undlf eny and elllew. or rul.. 01 court now or hlf"
.It" In .fleel grentlng or plfmllllng any e..mpllon or Ilay 01 e.ecullon against Ih. morlgeged preml". or any olher properly
wh.leoever, .nd .ny .uch Judgmenl .hall beer Intlflll II Ihe .ppllcable 1111 unlll Ihe lull emounl due MORTGAGEE I. ICluelly
p.ld, by Ihe Sherltl or OlhllWlll,
NOW THEREFORE, MORTGAGORS, In conslderallon 01 Ihe seld debl, and 10 .ecure peymenl Ihll.ol. hlleby \It'ent.
bergeln end 111110 MORTGAGEE
ALL THAT CERTAIN lrecl or percel 01 land .Ituala In Ihe Counly 01 _ ClInhArland ,
Commonweellh 01 P'nns~lv;~a, more ~~rllcularly delCrlbed In Ihe Deed recorded In Ihe olllce lor Iha recording 01
deed. In Deed Book No, page VL"Bnd otherwise known IS" _ 140 Awalachlan Dr.
r...rli "1,, PA 17nn !'li1:1ler-SpringFl Twp, _
TOGETHER with Ih. buildings, Improvemenll, rlghll. prlvllage., heredllamenll and IppurtenenclI. .nd Ih. reve"lon.,
rem.lnd.rs, renle, ISlues .nd profits thereol,
TO HAVE AND TO HOLD the said premises unto MORTGAGEE lorever,
PROVIDED. nevertheless. thaI If MORTGAGORS sholl pay 10 MORTGAGEE Ihe enllre dabl IS harelnl1elore III lorth, Ihen
Ihe 11111. hereby granted .hall c.ase, determine end become void,
IN WITNESS WHEREOF the seld MORTGAGORS hove hereunto SIl hands and ..al. Ihe dey .nd Yllr IIrst .bov.
wrlUen,
Signed, s"I~~erad
Inlhe prarc'0~ f l./~
~ t!'~7;:'~~
I
(SEAL)
ISEALI
COMMONWEALTH OF PENNSYL V ANIA--
COUNTY OF
Curberland
--55
On Ihe
.bOY.-n.med
?Rl-h
Bett;y A. Kuykendall
..TunA
day 01
, 19.8L , belore me, pa'lOn.lly .ppeerlld Ihe
end
.nd In due IorIO 01 I.w ecknowledgad Ihe ebove INDENTURE OF MORTGAGE 10~ belhelr own Ir e .nd voluntery .Cl .nd
deed, .nd dlllred Ihel It b. recorded II .uch, / J) . J I
WITNESS my h.nd .nd 11.1 the doy end year .Ioreuld, tJ..-, OJ}( J ya) olery Pu IIc !::/~.\ :,:\.;:11;;....." "
The .ddrll. of Ihe wlthln-n.mld Morlgageels / .,,;.'~~U:i~~, ....
PO Be 220 .. *, ',." ,,,I~.'.r~..' ,
.. x WANIYA lA, 4"".. ',eUNY'UIIII ' :' 'J' ,'-, ,~,
. ' ",1 'unll.y,van'a ,t"SS CAIUSUIOIUGH,CUIIIIWIDCOU." il-:-':~' ,;f'::,,:,
l...r1iA1~p... 1701,]vo'Cllmh9rIAnr1~, I'COIIIUIOUXmlSOCT,7,lhl ~~"", ..." '.:
on behelf 01 MORTGAGEE rl,"O.'ded In the office lor tll, r,cor8MtbrO'~c.'S1I A....IIII..., .."'111 ", ~ ':, ",'.. ',' :":....
Atk../'lJ.nd Bor .11IIl!l Cq~OIY. P~, I"") .... -(," \,' '.,"\,
'~~: .~'v~,~lt~,"fi!!-, ~S2L. r;-OO' " ,1\
-\" ":'\V ~I" U n :JO~ l'At[ 3:12
Carlisle. Pa., . ~".,.,r,; ~ I
~,~ I, ' \~~ .X..f'.IT B ~
.. ...'
" ,. ': "." "0. :. {:':";'lh'M1'~a"/I'" "';'~'I
.', P'l'l ',~.,: '. :.1" _'_,~f'" , 1,1.~':' \..~.\ "
.... .._ ... ...._.;:J.H,.......lO-.....J.... .\: ....._I~lj~.. :K.'~1.i....,~..c.a;..:,,": ;t.
, :.,' ~ , " ,);:\t'Mlf1f .r~~\:;I...q,.,
I'>, ,;. .J\ ", .',.,' ; ..,' \,.'-1:...._ \,L.,';-'~;~;,t..""1>'! ,:. ,~.
"',;,~,~,..".ir.~'!~:f~~ii1l~.itl; , ", , ." "'~~ ',r,
" '.'. '; . \'. ': ~ 'f".' ..''''_ ~1"""', I.. ~'" , ,.' . 'I'"'' L1~.
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..,
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. ,', \':..",:: 1'.:'..1,. "~I .,
._,_..__....._,.._.....___........,..............:...'....-:...."____--..,j.._.__'_____',' '. '..,.;. ,r...." ,-.'., .,,' ""mf' -.,t,,'"
,P- ~ .' ~,' , -,~'+"''":'.
,",' ;(\::"."':):'11 :',i',t ,~:~~., ".:U'''' I
. ~'I"..~I. ' \ ..\',\.,.,I;...,",:D-,.:~l.~l ..jJ{' "
" ," "'\'f'":' '~.~.';.I~I~.;..l.~t!_~....;,~ft,~~~,.b..\~ c~I,'\';,'.'
~'i:."'l:e'.:lC.."I:.' - &00& II ~".,,"; '."'" ,'" ,', "
, ,.',' ,~< ": "
1.._ I' ',' .1" .,,'"
lDeeb ,:\ "'1\"":"
, "~",'I,~,:; ,'~' .:'''~l',; ," .
I~ ' ' ',!". ,'. '\ h' . "'" (" \'\.'
"'uof ,Oct'o'b-,~.' .~~~, ,"""., .~..,'..,",',;' .,,'
-. -:' ' '!' III .... ':'!.J ",: :r.' , ", '
and Sixty Saven ,(1967)._"~ '::'I:,r'/:~\:~~,,;i~{}~~,:~i~.ri;,: "'~,.i
,,'\,.\ j . ' rift q''. .. .'- "f "
I ' '" 'll"",~ '" ',,~ ,
. '. ...., .'. ",i.' .,.,/:tl"J'I\'t~~~ '" t ~~
B~"WE~N ROY C. PEAIU. and HYRTLE E. PEARL, hf.8 wUa, and ,A~ER P.';'fJt~;':'~"'~'
YINGST jlnd DOROTHY M. YINGST, his wifa, an of SilvaI" sprin.:,,~civn.~l~;:'~~,~;,:,~,
i i ' " ,1", ')':'l'~"
Cumbe,rland,Oounty. Pannlylvan a, here n~fter caUed "" ,:,:;'~"\~'.'rn;1:"':'
""I'I'..;.1.lt ~'of' )/
. y, 1Ii.(t .i'l"'\""'{'
I,', , .:" ;,,( I\llt,1...p.1\(t. ':;.l~"". t
I' . " ., ", \. r ~1~ '1'. .., II
..(, ',...,~ "t I lOt ~~ltt"1 '
, " " ' il'> ,/I~''''l~~'~'' ~'''I ': 'I
1'1'11' I~ "l~.'''',~)' '1'~':V.~ 1, ~~'~a~~~lt ~\.:
, ' Qro"eo,' .':n .. 'Jft 't 1
..... EARL ". KUYKENDALL and BETTY A. KUYKDlDALL','hh'wU"., \,1'" ,..,,',",,~j~"r'~,;:':f;,
, ~,~, ~'th 1.1' 1, ~'I,': . '. i:
'..'
:',",)r", ',', ',:,
", . . ~ 'I','.' .. :'
" I., '\,,"\1,,',1 .', 1,.t'ln. ,..'J,', ":t.,,'
" ' :,' ",:,'\',',:"
"', ..'
.. . 's,."
.f.i..,.,..'...1.(.":I.,il.,,,.
, . .'; ., 1:':'J~'\" ~;I_::
'.1 , Gra,,~. .... ~, . 1,,~ '.
'WI7'N~3SE7'H Uuat ill e~' ro&lI 01 Twanty Thou,"nd DoUara, . ,.,..i ',>. , ~":'Jf:,4,~;:!~'~,:,;''!A
. ' ','I. ','" ,\ .r: "
($20,000.00), " 'DOI/Q".:..::;l~i~f':(;'
.. AAIId JIIIId. 1M r'Mpt MNoI u ",r(!Iw ~~"~1' t1w ",Id ,nIIItor . do 1,'" A.N!Iw '"'lit ;~:j,}i"'" ':,: J,
WOOIItI'lIlo IIu 'AId,ra t.... the1r e ru a"1gns ",...;1,;:':,' .,;), I
ALL that certain lot of ground situate on the'.a.tet'n .ida ""):::,,'!i
of Township Roud No. 573, lituate in SHver Spring Town.hip, "r,:",
Cumberland County, pannsylvania, bounded and ducrlbed a. followlI ,,>"(,.~,;'.
. . ' ' ,'. ~". ~ ',"i " ',' i, .
BlXlINNING at a point i,n the center' Una of .aid Townlhip Road :,:'
at line of lands now or fonuerly of R. J. Leiby, which point h a~.o,:"
942 feet southwardly from the center line of U. S. Route ~d. UI ~~,
thance along landa now or formerly of R. J. Leiby n,orth 89 degre.. "k>"<
20 minutes east 300 feet to . point; thence by tha aamil .outh 9 ,~"";:,, ;"1'
degrees eut 90 feet to a point; thence along land. of tha grantor. 7:~; ,"',1
herein of which the,.premhes herein conveyed were formerly a part in",':' , :,
a louthwutwardly direction, 132 feet. more or le.., to a large oak':," :,'
tree; thence along same south 89 degree. 20 minutea Welt 166 feet, '," I "
more or le.., to a point in the center of the aforesaid Township Road."
thence .long the qenter Une of lome north 9 degrees wast 103 feat to, ,,'
a point, the PLACi OF B~GINNING. IlI\VING ther~on erected a dwelling )'
house. ' ,'"
:7," , _:.' "~ :'~ :')
BEING a portion of the premiles, which were conv.yed Unto the ,,( ,: ;'( J:'
grantor. herein b~ deed of Don C. SUnpson And C. Opal Si~.on. hi. .'
lri.fe, dated June l,s. 10;,62 and recorded in the Oftice of the Rellorder ';,' "
of Deeds in and for Cumberland County in Deed Book "N", Vol. 20, '.. ,
pa,e 1028. "', ,~.... ':
(!Il'f71/.ulrkuul.. (ht?d'll
School DIll. Cumbo Co., P..
utbt~
,._: t
JI.tD. '1'8. ~t"
01 OIlr lMd OIlf'IIIouIAM tllM ~~...
'.
of Silver Spring Township,
,
herei"after called
CUl1Iberland county, Pennaylvania.,
",
,
.
"
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.,. ...I..le'. I,...".. ,..
o'I,,(,'UI:;~;? "MI,~.~
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II
I i'
· "~f. ~!j~., 'I;
i ' ~, ,;ot ,.\ ""'0/ , .
~ ".\ '~ ~4 ':1"t,,'f,I",(';;: '. ','"
~~., I ~ 'a:\';::': ',',
\ \", ~';~:; t;
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m/V 22rtG 4'14' , ' j', h
" .,' "J"
--,...-..- . . :'~ ;'''' ,,;
.'..; R:'~';.':"'--;\"'tll.t..)t:""~...e:,...":"'.t,,,..- ....' -I"c;:,-r.:,ri"-~' '.
" ,. '" ". .,r., \ ;'''a.~rll.i"~,I.~.:V :,':~."..11'f.:.'~,h+""Lf';:~,.,.,.
.1
':'OTIC€.gF INT,E"!!H?N TO FORECLOSE MORTGAGE
TO:
1.11'1'..... L"~ :AJ'll.
l":ll ,~\L",1.,cl.l:'.J' .Jrtvc'
......\,1."1:~ 1, ,1),:\ 1-;~'1-:
DatJt of Notice :h;'~;'" ~
.,-
'.'
1 S,(.'+
Loan No, 1 1\1 '.i ',,' _
The MORTGAGE held by
(hereinafter we, us or ours) on your property located at
~":ll:ll \.: ~L'I.:jt Co ':.~-;.I'.'/
1,1
: < ...,"l.'! ..lj~I' D1::' \I~
IS IN SERIOUS DEFAULT because vou have not made the monthly payments of $ ;...,1. ,:,
forthsnJonthsof . ,t.\[-l'.i:', 11.'., , ....';...,., 1., 1r,... ,and li\..'.'l...l....r, 1(('o.t
and/or because
Late charges and other charges have also eccrued to this date In the amount of , The total
emount now required to cure this default, or In other words, get caught up In your payments, es of the date of this
letter, is $ ',~ 1... I ,
You ,I11QV c~re this default within THIRTY (3D) DA YS of tllll datil of this lattllr, by paving to us tha bove amount
of $ ,. , ." ., plus any additional monthly pavmllnts and late charge which mav fall d e during this
pr'lriod. Such flayment must be made either by cash, cashier's check, certified check or money order and made at
" t::,L>-. '.i.U.~::'.L ''':I...i;",n~:::'l' I "'l.:.:~L !!ic:; ;:t~..I,,:,,':, '~;:':.".'::'.ll., [J.\ l-l(l~
If you do not cure the default within THIRTY (30) DAYS, w intend to exercise our right to ccelerate the
mortgage pavments. This means that whatever Is owing on the original amount borrowed will be c nsldered due
immediately and you may lose the chance to payoff the original mortgage in monthly installments, If f II payment of
the amount of default Is not made within THIRTY (30) DAYS, we also intend to instruct OlJr attar eys to start a
lawsuit to foreclose your mortgaged property, If the mortgage is foreclosed vour mortgaged prop~rtv will be sold bV
the Sheriff to pav off the mortgage debt. If we refer YOllr case to ollr attorneys, but you cure the default before they
begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to
$50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even
If they are over $50,00, Any attorney's fee~ will be added to whatever you owe us, which may also Include our
reasonable costs, If you cure the default within the thirty daV period, vou will not be required to pav attorney's fees,
We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage,
If you have not cured the default within the thirty day period and foreclosure proceedings have begun, you still
have the right to cure the default and prevent tha sale at anv time up to one hour before the Sheriff's foreclosure sale.
You mav do so by paying the total amount of the unpaid monthly pavments plus any late or other charges then due,
as wll as the reasonable attornev's fees and costs connected with the foreclosure sale and perform anv other require,
ments under the mortgage, It is estimated that the earliest date that such a Sheriff's sale could be held would be
approximately'"'l~:,.!. 1r,\_ , A notice of the date of the Sheriff sale will be sent to you before the sale. Of course,
the amount needed to cure the default will Increase the longer you wait. You may find out at any time exactly what
the required payment will be by calling us at the following number: ,40-:c L , This rayment must be in cash.
cashier's check, certified check or money order and made payable to us at the address stated above,
You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain
in It. If you continue to live in the property after the Sheriff's sale, a lawsuit could be started to evict YOll.
YOll have additional rrghts 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 TH.<\T THE OTHER REQUIRE,
MENTS UNDER THE MORTGAGE ARE SATISFIED, CONTACT US TO DETERMINE UNDER WHAT CIRCUM,
STANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY
THIRD PARTY ACTING ON YOUR BEHALF, YOU HAVE THE RIGHT TO ASSERT IN THE FORECLOSURE
PROCEEDINGS THE NON,EXISTENCE OF A DEFAUI.T OR ANY OTHER DEFENSE YOU MAY HAVE TO
ACCELERATION OR FORECLOSURE,
If you Cl/re tile default, the mortgage will be restored to the same position as if no default had occurred, However,
you are not entitled to this right to cure your default InQre than three times in any calendar year,
..,,.,
NIt- I','~ ,.", ij.l IM''''HO
By
, "
":,. .
.XHIIIIT 0
ACT 111 NonCE
TAMI ACnoN TO IAVI YOUR HOIll fROM 'ORICLOIURI
The Commonwullh 01 Plnnavl....anl.', Hom.owner,' Em"",,"cy M0l10ageA""lanc:a Program mllV b. abl,'o help )'OU, Read Ihelollowlng nollello rind 001 how lhe program
'kOrk..
II you nUd mOlllnlOf'maUon caU the PIMaylvanl. Houling Flnanet Agency all (800) 342.2391
LI "Olllle.Clon In IdlunlQ II de lumllmponlncll, PU" "IIC';II IU dvrecho . conllnulr 'JlvlIndo en IU Clla. 51 no camptand. e' ClJnt,nldo da .'11 noUllc.clon obI.ng. 1m.
I,educclon Immldllllmenl.llamandl 1111 aganel. (Pennlylvllnla Houllng Flnanelltg,nerlllo carool ""Um.fo menclon_do 8mb.. PUed" .., .Iegl~' par. un pra,llmo
por ,I progrlmaUamaoo -Homeown.,,' Em.roenc)' Mortgage AUI,'ance Program" ,f CUI puede 1I8lvN IU e8l8 da I, perdu,. del dlflCho . redlmtr IU hlpotlfCl,
ACT 111 NOTICE
IMPORTANn NOTICI 0' HOMIOWNIRS'IMIAOINCY MORTGAcll A8IISTANCI PROGRAM,
PLEASE RIAO THII NOTICI,
YOU MAY BIILlGIBLI 'OR 'INANCIAL AIIUSlANCI WHICH CAN BAVI
YOUR HOMI 'ROM 'ORECLOSURE AND HILP YOU MAKI 'UTURI MORTclAGI PAYMINTI
110G3t;iC.~, 0111: Ilovu;~:lIt 1~, 1994
RE: Al:cOunl No.:
TO:
FROM:
Linda P.
j"'al1lXJrS
J,.>:Pl<=Y, ]'IU t'F1J1llaClllan IJl:i \'!:'. Car lisle, PA
'i'rlH::t ~ny, 1 \'leEt iilC;lI citn,'Ct. CurllSl€,
]i.)! 3
?J\ 17(;;3
You mlW' be .lIglble 'or flnlne,., 1.,lallne. (hit will pt."'nl 'oFICla.ure on your mortUlg. ., you comptv with thl provlllonl 0' Uti Hom.owner,' Im.rllllner
Mong.". ""'I..nc. Act 0' 1813 \th. "Ac'''), You m.v b. eligible 'or emerg.ncv "mpOrlty ""lllne. "vour d'f,ulI hi' btln eluted by clrcum.tane.. blyond
your ConlfUI, you hIVI. r...onlb 'proapecl 0' 'lIumlng your monU.g. plymlntl, and" you mil. Olh.r eligibility requlr.ment. lI.abU,hld bV th, P,nnavlvlnll
Houllng Plnlnc. Ag.ncy. PI.... 'I.d III 0' thl, HOlle,. II con'lln.ln 'Jlpl'"llIo" 0' your ...ghll,
Under Ihe Ael, you I" tnlllled 10 8 'Imporary Itly 01 lorfclolure on your morl98ge 'Of Ihlt1y (30) daYI Irom 'h. dat. O. Ihll Nolle., DUring thllllm. you mUll arrange and
In.net a -flca-lo.'.CI- m.IUng with 8 rlpleunlalivl ollPlis lender, or Wllh 8 dUlgnated consumer credit counseling ag.ncy, The purpo.e of Ihlll milling IS 10 IUempt 10 work
OUI I repaymenl plan, Or 10 olherwise llIWe your deUnquency. Thill meellng mUllt OCCur in Ihe nllllllhirly (30) daYI,
II you allend .18C'-IO-lac. meetinG wllh this lender, or wllh a consumer creOIl counseling agency Idenlllied In Ihlll nOUce, no further proct"dlng In mortgage foree/oeure may
take plac. fOr Ihlrly (30) daye aller Ihe dale 0' Ihlll meellng,
Th" name, addrulII and telephone number 01 our representativd 15:
Ja:: D. 'rri:lyer
1 t':est HlUh Stre.:t
C<irli~;le. '[>1\ 1 iOE
~43-321~
T.l.phone Numb.r;
The n.rnl(Sp'~rl"(II), and phon. number. 0' (81 deslgnaled consum.r crldll counl.ling loency(ll..) II (ar8):
YI'ou.
j(j 1 (j Street
'.:arli:;le, P/\ liOn
II Iw only nee....ry 10 IChldull ani lac.,lo.facI mlllmg, You Ihould advill Ihllllnder Immediately of your IOten'lonl,
YOUr mongag. ia in dl'I'!~'f1 you hive failed 10 PIlY promplly InllllUmenll 0' prlnclplllnd Inter'll, II r.qulf.d. lor I periOd 0' .,I.llr 1IIIy 11S0) daYI, Thl 10lal a/noun!
01 'I)~ IlInqy.ncYJI S Thl"Ul1lllJCJudlllh~1I0Wlng: " _
~)tt:'l:Ukr, 1')')4 no'lOOm: ~;';'1(j,'.I, uct:<;!.:i.,r, I':I'N P" OP.nt: $~4n.4" Nov'-'llllJel:, 1"'94, pa~ment
li. ~ I
Your morlgage II Ilso In default for Ih. fOllOWing rea.onl:
II yOIl havI Irled and a,. unable to rllolv. Ihll probl.m al or all" your fac..lo-Iaetl milling, 'fou hlWI Ihe ,lghllO .Pt)I'f for Unsnclalalllllancl 'rom Ihl Homeown.r,'
Emergenc'f MOrtglgl AIIIII.nce Fund, In order 10 do Ihll, 'fou mUlt fIll oul, Ilgn .nd fill I camplllld Homeownlr.' Emergency Allllrancl Applle.llon with on. at the
dlllgn.led eonlumer credit counllllng Ig.nCI.ltlltld in lhe Bllachm.nt. An appllcallon lor 1..1118nc. mlly Onl'f b. oblllned from a consumer credll counseling ag.ncy, Thl
consumer cradll coun..llng agency Win auill you In filling oul 'four appllclllon end willlubmll your complll.d application to Ihe P.nnlylvanla HaUling FlnanceAglncy, Your
IppllcaUon mUll be '111d 01 pollmarkld, wilhln thirt'f (30) day.. 0' 'four 'acI-lo.lsCI mailing
1/" eJtu.mew ,mportlnr '"'' you III' your ,ppllcallon ptomptfy. II you do no' 00 so. or If you dO no, fOllow ml 01"" rim, ~flCK1fJ "' l'orl" 111 m" ''''ff, foreclolU" may proc.tH1
IQlm" your flQm.,mmedlll.,y.
Ava.labl. Iunds for emlro.ncV mortoeg. .lIlllanC8 .r. v.ry IImllld, They Will be dlaburltd by Ihe Agency undlr Ih. .lIglblllty e"II"1 Illlblllh.d by Ihl Act.
II II IIIIrem8ly Imrottlnllhal your appllcallon be accurale and compleleln every relplcl, Th. PlInnsyl\lanta Housmg FinancIAg.ncy has SIllily 11S0) dlYIIO make a deCISIon
.'lIr I' receives your apphcallon OUflng Il'lal addlllonalllme, no loreclosure proceedings Will be pursued BgamS! you If you hive mlllhel.me reqUl/8m'n1a aellorth abOv._ You
Will be nolllled OIF8Clly by Ihal Agency 0111" d,clslon on your epphcallon
Tn. Pennaylvanta HOUSing Flnanc. Ag.ncy II localed at 210 I North Fronl SI,,", Pos' Olflcl Bo. 80~Q, Hamsburg, Pdnnlylvanla 17106. r.llphon. No, (711) 780-3800 or
1.800-3042-2397 (IOlllrl. numbftr) Perlona Wllh Impaired h,arlnO can COli 1.800-342-2397.
Il"laddlllon you may reellVI InOlh., nOltcelrom Ihls Ilnd., underAclS 011974 Thai nOIIC, tacllled rh. -NOIICl 01lnlll1110n 10 Foreclo.ur,- 'You mUll read both nOllc.a, .IOCIt
Ih.y bolh 11IIplalO rlghlS thlt you now hav, under POrlnsylvilnla IdW. However, II you choose 10 e.orCIS8 your rlQhlS deacllbed In Ihls nollcl, you cannol be loreclosod upon
whll. you are receIving Ihat asslslanr,e
.XHIIIIT
Very Iruly Yl,)urs,
, (
( L.,!,
-~i
"\ 1// I
HEMA Rev 2 8/94
NOTICE OF INTEN!'ON TO FORECLOSE MORTGAGE
'TO:
:2dt ' i\u' I,u;,:.,:d
toil.. ,1\f;I_'\U He. a~"n ~rl \l?
(:,1'11:..1"" i'/'. 1~('1)
'r( "1-;1"'1
Du. 01 NOlie. " , , ......
'1t":,
1 <is"
LOIn No, _~~,(!Ji.,;rr
The MORTGAGE htild by Fun,,,,,.,; 'frt:H: vnr'.ol;'i
(hereinafter we, us or oursl on your property located Bt I ~ C ,;, :-' 1:1<.'1'.: ~;; .:; G "'e
IS IN SERIOUS DE~AU.L Tb~causr xou have not f!1~d~ th,e mflf,tMy payments of,f 71111. "1 I' <'
for the months of .,I..r I~ud":v., 1;... , I. I...td (-...., I "I; , and _ i,L.'vI'I"Lcl., J I.j
and/or because
-
Late charges and other charges have also accrued to this date In the amount of , The totel
amount nOVi.r,quired to cure this default, or in other words, get ceught up in your payments, as of the date of this
letter. is $ /4 . ~ , . .
YOV,mal{ cure this default within THIRTY (30) DA YS of the date of this letter, by paying to us the above amount
of $ ,.1." 1 , plus any additional monthly payments and late charge which may fall due during this
period, ,such paYmem m,!st bE!, made ~Jtl:!erlby ces~, cashier's che~~, ,cer;lifled s:heck or money order, and made at
L.1.1,......1:.. J.LL..,-" Ll...."r.\J,'I../, -T ':t.s..... 11). ..\..I.U l.:, ...\,1.11.:..........., ..~~. I,Ll.:. ,
If you do not cure the def~ult within THIRTY (3D) 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
tho amount of default Is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a
lawsuit to foreclose your mortgaged property, If the mortgage is foreclosed your mortgaged properry 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 l"!lal proceedings against you, you will stili have to pay the reasonable attorney's fees, actually Incurred, up to
$50.00, However, if legal proceedings Bre started against you, you will have to pay the reasonable attorney's fees even
if they are over $50,00. Any attorney's fees will be added to whatever you owe us, which may also include our
reasonable costs, If you cure the default within the thirty day period, you will not be required to pay attorney's fees.
We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage,
If you have not cured the default within the thirtY day period and foreclosure proceedings have begun. you still
h,ve the right to cure the default and prevent the s,'e at all y time up to one hour before the Sheriff's fort1closure sale,
You may do so by paying the total,mount of the unpaid monthlv pllyments plus any I,te or other charges then due,
as well as the reasonable attorney's fees and costs connected with the foreclosure sale and perform any other require,
ments under the mortgage. It Is estirnated that the earliest d~te that such a Sheriff's sale could be held would be
approxlmately_~\.,qrcil, l~S~" A notice of the date of the Sheriff sale will ba sent to you before the sale. Of course,
the amount needed to cure the default will Increase the longer you walt. You may find out at any time exactly what
the required payment will be by calling US at the following number: 24 :;-,~ 1:2 ,This payment must be in cash,
cashier's check, certified check or money order and made payable to us at the address stated above,
You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain
In it. If you continue to live in the property after the Sheriff's sale, a lawsuit could be started to evict you.
You have additional rr{jhts 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
ASSIJME 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 REQUIRE,
MENTS UNDER THE MORTGAGE ARE SATlSFIEO, CONTACT US TO DETERMINE UNOER WHAT CIRCUM.
STANCES THIS RIGHT MIGHT EXIST, YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY
THIRD PARTY ACTING ON YOUR BEHALF, YOU HAVE THE RIGHT TO ASSERT IN THE FORECLOSURE
PROCEEDINGS THE NON,EXISTENCE OF A DEFAULT OR ANY OTHER DEFENSE YOU MAY HAVE TO
ACCELERATION OR FORECLOSURE,
If you cure the default, the mortgage will be restored to the same position 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,
,
11.1"
NI~ If"" .' 'J I'" I.M~"'
.)(.....'EJIT f'
By , __,
. ,
ACT III NOTICE
TAMI ACTION TO IAYI YOUII HOMI 'nOM POlIlClOlUlI1
lhe Commonwlllth of P,nnlVlvlnll', Homlown"I' Emergencv Mortg.g......III.nc. Program may be Ibt, 10 help you, R'1d Ih, follOWing nOIIc,10 lIncI out hOWlllhl program
WO'"
I! you ""0 mOft InlormlUon CIII the Penn,vlvlnla Hauling Flnanel AglncV tll (800) 3~2.23U7
LI "Olllle.clon In adjUnlO II d. lum. Impontoc,., pUll "ecl, IU dlrecho I conllnu., 'I'vl,ndO en au CIII, 51 no comPftx1dl ,I conl,nlde 1M 1111 "OUfIC.clon obI.nOI un.
U.duttlon Immldll'lmlnlllllmandl "11 IOlnCIIlPennlylvlnl8 HoulIng FlnlnclAglnCrlllnCargOI II num"o mlnclonado 1mb., fuld.. II' "tglble pat. un ptlllamo
poI.1 proGrAm, It,mldo MHom.Qwn,,,' Emeroenc,; Mortgage AIIIII.ncl Pmgr.m" .1 CUI ptJ'd' 1.lv8' IU ell. d. I, perdlda cJtl dll,chO. rtdlmll IU hlpotecl.
ACT III NOTICE
IMPOIlTANTl NOTICI 0' HOMIOWNlnl'lMllIQINCY !lOIITQAGI AIIIITANCI PIIOQIIAM,
PllAII IIIAO THil NOTlCI,
YOU MAY IIILlQIIL. 'OR P1NANCIAl AIIIITANCI WHICH CAN IAYI
YOUII NOMI PIIOM 'OIlIClOIUIII AND HilI' YOU MAKII'UTUIlIIIOIITQAQI PAYMINTI
1'00367(15 0...: November 15, 1994
AI!: Accounl No,:
TO: Betty Ku
FROM: Fan,f,rS
140 A )>alachllln Dn'll:, CarlislCl, PA
1 licst H~Qj; Str(€t Carlisle
1701]
PA nJ13
You maw bl .lIglble lor flnlnCll1 ''''lllnc. thl' will pr.vlnt 'oreclOlurt on your mong.g. If you comply willi the proylllonl of tflt Hom.own.,,' Im.rg.ney
Monglg. AIII"lncI Act 0' ".:1\1"1 "Act"'. You may b, .lIglbl. tor .mlrg.nev 'Imponry """lncI" your default hi, blln clulld bV clrcuml""'" tHivond
wour conlrOO, you hlv" '...on.b . pro,plct 0' '.Iumlng your mong.g. p.ym.n'l. .nd I'you m... Glhir eligibility requlrem.nll ....bU..h.d bV Ih, '."nayfv.nll
Houllng Pln.nc. Ag.ncV. Pi.... r..d III 01 Ihll Holle.. Ii conlalnl In ..pl.nlllon 01 your rtghl',
Under th. ACI. you It, ,nllllld 10 a tempor.", 118)' ollor.clolur. on your mortgage for Ihlrty 1301 day. from lhl dIIlft of Ihl. Nolle.. During Ihalllm, Vou mUll arrange and
111100. "'ae.,o.facI- meellng wllh II r.pr,aenlaUvl 01 Ihll lender, or wllh It dugnaled t;onlumer credU counlllhlQ aOlncy. Th. PUr,)Q1I 0' IIll1 melUng Isla au.mpl fa won.:
oul, repaymenl plln, or 10 Olherwlee ItUU. your delinquency This m.ollng must occur In Ih, n..llIllrly (30) daYI.
If you all.nd II lacl.lo-Iacd mlellng wllh Ihll lender, or wllh. consumer crelM counseling agellcy Ide nil lied in Ihl' noucI, no IUf1h.r prOCltdlng In mortgage roreclo'ura mly
10.1 pflce lor Ihlrty (30) dllYs aller Ihe dall Ollhl' meellng,
The n8me, edtJ,... and 1.lephone number 01 our repr8aenlali1J8 IS:
Jov D. 'ilru'l(~r
1 l'lEo5t HiC;;h Slcr..",!"
(;llli",l... pp, 17(111
Tllephone Numb": ~l ~ ;,_ 1 r, 1 ..,
The nlmlCI., add"II'"), and phon. numbers olla) dllignalld consumer crldll counllul\Q Igenc:y'I.,) 111.(1):
'l1oc.\
jO i G StrE*t
Carlisle. PA 17013
1111 only nKlnlry 10 Khedul' on. 'aC.lo.IICI m'lllng, You IhouJd Idvlll Ihlllender Immedialely 01 your Inllnlionl,
Your mortgage i, In dlf.u~~Ta':tt you h"Vllliled 10 pay promplly inlllllmenll of prlnclplJ and inlereat, al required, lor a periOd 0' alleall "'xtV (60) daYI, Th. total amounl
011/11 derllnqu,ncV liS. . That lum Includ'l thllollowin :
St! ltaTUJer ,~ mcnt: ' . I. U ()' ?, , , , ,
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Your mortgag'l' Ilia In deflull for lh. fOllOWing rla,onl:
/I you have tried and .r. unabl. 10 "IOlv. Ihi. probl.m 01 or all.r your lace-Io-Iace mellIng, you hav, Ihe right 10 aPPly lor IInanCial a"llIance Irom the Homeowners'
EmlrQency Mongagl A..i"lne, Fund. In order 10 do Ihls, you mu,'111I oul, Ilgn and Iii. a complet.d Homeown.r.' Emerg.ncV AIII.tane. Appllclllon Wllh on. of lh.
de'lgnlted consumer credll Counaellng aglnc.IS lIS1ed In Ih. eUachm,nl, An apphcallon for IUI.lance may onlV b, oblalned Irom a conlumer credil counllUng agency. The
con.umer credit counllUng ag.ncy wlllalllll vou In filling oul your application Ind wlllaubmil your compteled eppllcllion 10 the P'ennlylvanla HaUling Flnlncl Aoency, Your
sppucaHon mu,l be iliad or pollmlrkld, within Ihiny (30) daYI 01 your lace.lo.facl ml.Ung,
flls,.,,,mltly ,mpOft.nt Ihat you Ilia your IpplIC"'Dn promptly II you dO not do so, or ,f you dO nollollow tl1. oth" time "'flOdJ .., lorth In ,hil I.".r, 10rIClosure m.y prOClfd
.gam" your l10me Immtal.,.fy
Allallable funds for Imlrglncy monO_g. "'llllnc. Ire very IImltld. ThlY will be dlaburald by Ihl Ag.ncy und., In, IUQlblllly <:rIIlrl. IlIablllh'd by In, ACI,
illS ellrlm'ly Imporlanllnal yo~r appllcallon be Iccur." and compfell In every ralpeel. The Pennsylvania HOUllOO Fmanc.Agency nlll'x'y leO) dayalO make a deCIsion
alltr II recllv" your appnClllon. Ourmg Ihal Iddlllonal lime, no 10reclQsure proceedings Will be purlued agalOsl you If you hIve mellhellme requlremenllall forlh aboVe. You
Will be notltted dlreclIv by Inal Agenr.y 01111 dltCllIOn on your Ippllcallon
Tnt Pennlylva"" HOUllng Finane. Agency Illocal.d 812101 Nonh Fronl Slrlll, POSI Ollice Bo. 8028, Hamlbur". Pennlylvanla '7'0~, Talephonl NC), (7' 7) 780-3800 or
1,800.342-2397 (10111'11 number). Perlon, wlIl'1 Impaired heaflng can call 1.800.342-2397,
In IddtUon you may re(alll.anOlh,r nOllc"rom Ihlll'nd" underAcl 8 oIl g74 thai nollC'11 ClUed the "NOIlC, ollnl,nllon 10 FOllclolurl". You mull read bolh nolle, I, Imce
Ihty bOln ellplaln flgnls 11'111 you now nave under Pennlylllanla law HOwe'Jer. .1 you CI'1001l10 '.ereIl8 your rlghll descr,bed In 11'111 nOllce, you caMol be lorecrOaltd upon
Whltl you ..r. receIVIng Ihal aUIIlanCI
HEMA Re.... 2 8194
Vt<jI. ~:UIV V07"
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NOTICE OF INTENTION TO FORECLOSE MORTGAGE
1'"0: ~\lt:.-.(~n.; ~. L...~'f)l~\
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LOin No, 11(1(1';~i-;(''''
The MORTGAGE held by 2:U-:l"H'I' Ll\lst CC~"i^-II"
(hereinafter we, us or ours) on your property loceted at 1';( ''.;'I'd'' ,.-;:1;,:' Cov"
IS IN SERIOUS DEFAULT because you heve not made tha monthlypeyments of $ ~,Ij. ~',
I h h f "'''\;'I'j'''' 1'" ',,'~r' l' 1"" ed""'!"" '"
,ort9monlso -' ..,.'-.-, ..6r _, '-......'.., I, , n ,1.....dL.,-.
end/or because
Late charges end other charges have also accrued to this date In the amount of , The total
amount now J.~!lul,red to cure this default. or In other words. get caught up In your payments, as of the date of this
letter, is $ 1_1. .1 ,
You.,(7lay cure thIs defeult within THIRTY (30) DA YS of th" date of this latter, by paying to us the I/bove amount
of $ I ~ 1 . 41 , plus any additional monthly pBymenrS Bnd lete chsrge which mBY fBII due during this
period,.~u!=!1 Ra~lJlen, ,!)lust ,~e mlK,le ~Ithar"by.c~~~ ca~l.er's,~~eck, certifl~ ~heck or money order, and mada at
_n1....1.:.... J.li~..t ,-k"lk1n., I \,~.st h.1(,11 .;t..l.t=t, .....~I.ll..H(., L):}. 1,(,1.: .
If you do not cure the default within THIRTY (301 DAYS, W8 intend to exercise our right to accelerate the
mortgage pBymants, This meens that whatever Is owing on the orlglne' amount borrowed will be considered due
Immediately and you may lose the chance to payoff the orlglnel mortgage in monthly Installments, If full payment of
the amount of dafault Is not made within THIRTY (30) DAYS, wBBlso intend to instruct oursftornays to start.1
lawsuit to foreclose your mortgaged property. If the mortgage is foreclosed your mortgBgBd property will be sold by
the Sheriff to PBY off the mortgBge debt, If we refer your case to our attorneys. but you cure the default bafore 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 ;Jay the reasonable attorney's fees even
if they are over $50.00, Any attorney's faes will be addad to whatever you owe us. which may also include our
reasonable costs, If you cure the dafBult within the thirty day period, you will not be required to pay attomel"s fees,
We may also sue you personally for the unpaid prinCipal balance and all other sums due under tha mortgage.
If you have not cured the default within the thirty day period and foreclosure proceedings have begun, you still
havB the right to cure the default and prevent the sale lit Bny time up to one hour before the Sheriff's foreclosure sBla,
You may do so by pBying the totBlamount of tho unpBid monthly payments plus Bny IBte or other charges then due,
liS well as the reasonable attorney's fees Bnd costs connected with the fcreclosuTe sBle and perform Bny other require,
menu under the mortgage, It is estimated that the earliest date that such a Sheriff's sale could be held would be
approximately /1<>n:'l1, 1 ~IS5. A notice of the date of the Sheriff sale will be sent to you before the sale. Of course,
the amount needed to cure the default will increase the longar you \'Iajl. ,yO\! may find out at any time exactly what
the required payment will be by calling us at the following number: C,J-;" 1 ~ . This payment must be in cash,
cashier's check, cartified check or money order and made payable to us at the address stated above.
You should realize that a Sheriff's sele will end your ownarship of the mortgaged property and your right to remain
in it. If you continue to live in the property after the Sheriff's sele, a lawsuit could be started to evict you,
You have additional rfghts 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 REQUIRE.
MENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIRCUM,
STANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY
THIRD PARTY ACTING ON YOUR BEHALF. YOU HAVE THE RIGHT TO ASSERT IN THE FORECLOSURE
PROCEEDINGS THE NON.EXISTENCE OF A DEFAULT OR ANY OTHER DEFENSE YOU MAY HAVE TO
ACCELERATION OR FORECLOSURE,
If you cure the default. the mortgage will be restored to the same posiTion 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, '
~"
Nlf' Hh 1 ~ 84 '..~.,
By..__ ___ _ ____ ___
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ACT III NOTICE
TAKI ACTION TO IAVI YOUR HOMI 'ROM 'ORI<:LOIURI ,
'The Ccmmonw.."h of Pennlylvanll', Homeowne',' Emerglnev MongagoA'III'II\CI Program mBV b..bl. 10 help you. R,ad tn, following noUe,lo find oul how the program
workl.
II you nlld mOfe Informal ion cllllh, PlnnaVlva"'. HOUllng Fin.ne. Agencv II I (8001 342.2397,
La nOIlIk:lclon In IdJunlU.. d. lum.lmportlnc,., pUll IleclllU derecho I conllnuar vlvlendo en IU ell.. 51 no tompt.Mde,' conlanldo ~. "'1 nOU'lcICIOIl obt.ng. un.
traducclon Immldll'lmenll lIamandll Ilia ag,ncl. (Pennaylvlnll Houllng Fln.ne....g.nc!) Iln cBrgol II Mum.tO menclonado 1mb.. PUedll'Ir .Ieglble pa,1 un pr..tamo
por I' program. IIlmado "Homeown"I' Emergency Mortgag, Aut,l.nee }3rogram" .1 CUI puede lIBl"'lr au ClUB dela perdldB del d.rtcho . rtdlmif 11.1 hlpoteca.
RE; Accounl No.:
ACT III NOTICE
IMPORTANT: NOTICI 0' HOMIOWNIRI' IMIROIN<:Y MORTOAOI AIIIITANCI PROORAM,
PLEAII READ TlUI NOTICI,
YOU MAY IIILlOIILI 'OR FINAN<:IAL AllllTANCI WHICH CAN lAVa
YOUR HOMI 'ROM 'ORI<:LOSURI AND HILP YOU MAKI FUTURI MORTOAOI PAYMINTI
l1H3t 705 0010, N()Vl~nlX:J: 1 ~j, 1 ~<;.;
Rlcl:uru U. J..ep.J.ev
TO' ;UC:;aru 13. Lt:pley, 14U "[J!)..'UilCnlan JJt'l Vt;, Cm:1J slc~, PA
FR~M: .'armers '1'tuGt l..cr.1x'1IlY, '"eEt Olr]ll ::itn;et, Cilr.uSle,
'''-013
1:''\ 1,(Jl~
You maw bt .lIglbll 'Of rlntnelll"llltancl 'hi' will prav.nt 10rlelo,url on wour mortglgl " you complW wllh Ih. proVlllonl of lh. Homlownerl' Imlrg.new
Mortglgt AII'I'lnCI Act 01 1883 \Iht "Act"). You m.w bl .lIglblt lor emergtnCW Itmporary ,..IIIInCI If your dlflult hi' btln cluaed bW clrcumlllnCII blyond
YQIJr conlrol, VOU hlVI I ","onlb. prolplcl 01 r'lumlng ~our monUlg' paym.ntl, Ind II you n'tt' olhlr .Uglblllly raqul,.m.n'l I.,.bll,h'd by In. Penn'Vlvanla
Houllng Pln.nCI Aglncy, PI.... rud.1I 01 'hi, NotlCl, It conlllnl ,n .xpllnlllon 01 your nghtl.
Under th, ACI, you II" ,nUlled to illemporlry Itav 01 loreclolJure on your mortgage lor thirty (30) daYI 'rom the dale of Ihl, NOlic', During lhet time you mUllarrangl Ind
lu.nd I "llce-Io-lace- milling wilh e represenlativ. 01 thIs lenl1er, or wllh iI delllgnaled conlumer credit counlSeUng agency. The purpose or UUs milling Islo alllmpl to work
01.11 . repayment pt.n. or to otherwllI 111111 your delinquency. This meeting must occur In U,. nellllhlrly (30) dlye.
If you allend I flce.le-flce meeling with Il1lelender, or with a conlumer cr,,<Jil counseling agency Idenlllled In Ihls nOllcl. no lunher prcceed4ng In mortglge foreclosure may
lake place lor Ihlrty (30) day. Iller the dell Ollhll meeung.
The nam., addleD and lelephone number ul our repreedntative IS:
Joy D. Tray'.:t'
1 I~Est Hiqh StrL'et
Cllrlisle, Pi\ li013
243-'1212
Telephone Number:
Th. namO(I), addrellllll, and Phon. numbers 01 (a) dtllgnlled conlumer credit cQunllllng .gency{18l) Is (Ire):
VIa
301 G StreEt
C,,,lble, PA 170n
1111 only n.c'"lry to ICtlildule on,'ae.lo.lace meeung, You should edvlllthlit lender Immediately 01 your InllntlOns,
Your mortgage Ie IndeI8Uu.~al~' you nave failed to pay promptly installments of prlnclpa' and Intereal, as requlrltd, for I periOd olat lel,1 Illlly (60) daya, The tara' amounl
Olll14l1tUD<IIl'''''~ 10 S I, . , Tho' 01W-1t\Clud.0 Ih~ lollojVlng;. ., ,
"''''!:J''''',II:eL, 1 ':I';I~ J:lOt}ilIlt'J\C :;.....U. 4/, LICl:OOOr, 1':1 ,4 ['la~menc ~2~O. 4" Nover,ll;eJ:, 1 '.194, payment
~~40. 4,
Your mOrlg.gels alao In default for Ihelollowlng re8S0ns;
II you halll Irled and are unable to r"OlvI Ihls prOblem 81 or all.r your lac.,to.laCI milling, you hav, Ihe rlghllO applV lor financial 8111111nCI from the Homeowner,'
Emergency Mortgage Assistance Fund, In order 10 do Ihls, you mull 1m oul, sign and file a compleled Homeowner,' Emergency Allletanc. ApplicatIon wllh one 01 Ii'll
dellgnaled consumer credll counseling IgenclIllIsted In lh. aUlehment, An appUeaUon lor lulslanc. may anty b. obtained from aconeum., credit counseling agency. The
consume, credit counseling agency will alllll you In filling out your appllclllon Qnd Will submll your campl.led applh:sUon 10 Ihe P,nnsyhlanla Houllng FlnancaAgency. Your
application mu,l be flied or postmarked, wllhln Ihlr1y (30) days 01 your lace-lo.face m"IIn~,
It IS extremely Impor,snt tIlat you III, your application promptly. "you r1f} nor dO so, or II you do not fOllOW m, other time ",,,oa, ,e' tontt In 'I'I"'.",r, foreClo,ure m,y prOCeld
,glmst your home Immedlate,y
A'JIII.ble lunds lor emergency mortgage 85lllloncI are very limlled. They will be dlsburled by Ihe Agency under lh, .tJQlbll+ty crllarll eel.bUshed by the Ac!.
II is ell,remely Imporlant Ihal your applicallon I:)e accurel" and comple'. In every 'especl. The PennsylvanJa Housung Flnanc. Agency h8l1111ly (60) days 10 malt'e 8 deCISion
aller II receives your appllcallon DUring thaI addlllooalllme. no foreclosure pror.eedlngs Will I:)e putlued against you II you have met Ine lime requiremenlS 18110rlh aOO..... You
Will be nohllea directly by thai Agency olliS deCISion on your appllcallon
rhe Pennsylvania HOUSing Finance Agency IS localed al 2101 r40rth FrlJnl $Irell, POSI Ollice Ball 8029, Harnoburg, Pennsylvanll 17106. Tel.pMne No, (717) 780-3800 or
1-800.342.2397 (Iotllree number) Penons With Impaired hearing can call 1-800,342.2397.
In addlClon you mly rec8lve another nOIIC' from IhllS lender under ACI 6 01 1974. Thel nollce i. ceUed Ihe 'NOIIl:_ of Intention 10 Foreclo'ur.~, You musl read bOlh nOllces, smc.
they bOlh e.pleln ngnls !hal you now have under Pennsyl\lsnla Ii\w, However, II you cl'loose 10 .._erCllse your rlghls descntled In Inls notice, you cannol be foreClosed upon
while you are receiving Ihi I aSSlslance
Very l1.uly youro,
HEMA Rev 26194
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rD lh4 CAu" 01 CllIIUI\.Oft Plaa of
Cl&IIIberIud CoUIUY, Ptlllllyh'alLi&
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FARMERS TRUS1' COMPANY
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BETTY A. KUYKENDALL
Mortgage Foreclosure
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