HomeMy WebLinkAbout95-01808
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NOT I C I A
Le han demandado a usted en la corte. Si usted qui ere
defenderse de estas demandas expuestas en las paginas
siguientes, usted tiene viente (20) dias de plazo al partir de
la fenca de la demanda y la notificacion. Usted debe
presentar una apariencia escrita 0 en persona or por abogado
y archivar en la corte en forma escrita sus defensas 0 sus
objeciones alas demandas en contra de su persona. Sea
avisado que si usted no se defiende, la corte tomara medidas
y puede entrar una orden contra usted sin previo aviso 0
notificacion y por cualquier queja 0 alivio que es pedido en
la peticion de demanda. Usted puede perder dinero 0 sus
propiedades 0 ostros derechos importantes para usted.
LLEVE ESTA DEMANDA A UN ABODhGO IMMEDIATAMENTE. SI NO
TIENE ABOGADO 0 SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL
SERVICIO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA
CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJA PARA AVERIGUAR DONDE
SE PUEDE CONSEGUIR ASISTENCIA LEGAL.
COURT ADMINISTRATOR
CUMBERLAND COUNTY COURTHOUSE
I COURTHOUSE SQUARE
CARLISLE, PA 17013
(717) 240-6200
DIANE G, RAllCLlH
ATTORNI:\'.AT.I,AW
UIII TRISIJ1.f: RIIAII
CAMI'IIII.I,. II" 17011
2
DIANE G. RAJlCLlH
ATfORN!:\'.AT.I.A\\'
'HII TitISIII.t: ROAn
C:AMI' 1111.1.. I'A 171111
attached hereto, marked Exhibit "A" and incorporated by
reference.
4. The aforesaid property is subject to a mortgage
given by the Plaintiff, Kathie J. Ackalusky, to Central
Pennsylvania Savings Association in the principal amount of
$34,000.00 and dated July 1, 1987 and recorded in the Office
of the Recorder of Deeds in and for Cumberland County,
Pennsylvania in Mortgage Book 873, Page 53.
A true and
correct copy of said mortgage is attached hereto, marked
exhibit "B" and incorporated by reference.
5. The aforesaid mortgage is still outstanding and is
believed to have a balance of approximately $22,000.00.
6. On the same date the Plaintiff acquired title to
the premises, the Plaintiff and the Defendant, Millie M.
Ackalusky, and a third party, Deborah J. Henderson, entered
into an agreement dated July 1, 1987 wherein the Plaintiff
agreed to sell the premises to the Plaintiff, the Defendant
and the said Deborah J. Henderson, thereby granting the said
parties equitable title in the property, legal title to pass
upon payment in full of the balance owed on the aforesaid
mortgage.
A true and correct copy of the July 1, 1987
agreement is attached hereto, marked Exhibit "C" and
incorporated by reference.
7. On December 6, 1991, at the request of the said
Deborah J, Henderson, the parties and the said Deborah J.
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Henderson entered into a second Agreement dated December 6,
1991, wherein Deborah J. Henderson transferred all of her
interest in the property to the Plaintiff and Defendant,
thereby making them equal equitable owners thereof. A true
and correct copy of said December 6, 1991 agreement is
attached hereto, marked Exhibit "D" and incorporated by
reference.
8. The aforesaid July I, 1987 Agreement attached as
Exhibit "C" and as modified by the December 6, 1991 Agreement
attached as Exhibit "D" required the Defendant to contribute
equally to the payment of the mortgage on the property and to
pay all of the electric and maintenance and repair bills for
her share of the property outlined therein.
9. The Defendant has failed to make the payments
required by the aforesaid Agreements as described in Paragraph
8 herein and as the result thereof Plaintiff has been required
to make payments on behalf of the Defendant in the total
amount of $10,446,04 as of January 13, 1995, as itemized and
set forth on Exhibit "E" attached hereto and incorporated by
reference.
10. The Defendant has promised to reimburse the
Plaintiff for her expenditures as itemized on Exhibit "E",
incorporated by reference hereto, but has failed and refused
and is believed will in the future continue to fail and refuse
to make said reimbursement.
DIANE G, RAIlCI.I....
ATIORNEY-AT-..AII'
'U8 TRINIH.E KflAU
(:AMrllll.l..I'.\ 171111
5
DIANE G. RAlle!.I""
ATIORNI:\,.AT.I.AW
SHI TaINIJ...: IUIAU
(:AMI'IIII.t., rA nOli
11. The Plaintiff believes she will be required to
continue to make expenditures on behalf of the Defendant for
the property until it is sold to preserve the property and the
equity therein including, but not limited to, the mortgage
payments, taxes, insurance, utilities and repairs and claim is
made therefor.
12. The Plaintiff has requested that the Plaintiff and
Defendant sell the property by listing it for sale with a
realtor so that she may derive her equity share therein, but
the Defendant has refused and continues to refuse to cooperate
with said sale.
COUNT II - PARTITION
13. The Plaintiff incorporates by reference the
averments set forth in Paragraphs I through 12 of this
Complaint.
14, No other person other than the parties to this
action has an interest or claims to have an interest in the
property which is described in Exhibit "A" incorporated by
reference hereto.
15. Only the parties to this action are in possession
of the property described in Exhibit "A", there being no other
tenants or possessors thereof.
16. There has been no prior partition or division of
the property.
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17, The expenditures made by the Plaintiff on behalf of
the Defendant as described in Exhibit "E" preserved the
property and/or enhanced its value, were not gratuitously made
and were necessary and reasonable expenditures.
18. The property described on Exhibit "A" cannot be
divided between the parties without prejudice to or spoiling
the whole property,
19. The Plaintiff is the only legal owner of the
property. The Plaintiff and Defendant are each fifty (50%)
percent equitable owners of the property by virtue of the
aforesaid Agreements.
WHEREFORE, the Plaintiff respectfully requests this
Honorable Court to enter an Order or Decree:
(a) partitioning the property described on Exhibit
IIAIl;
(b) declaring each party to be a fifty (50%)
percent owner of the property;
(c) directing the property to be sold and that
each party shall execute all documents and assurances
necessary to effectuate said sale;
(d) directing that the net proceeds derived from
said sale shall be equally divided between the parties
subject, however, to deduction from Defendant' a share and
addition to Plaintiff's share of an amount necessary to
reimburse Plaintiff for the $10,446.04 in expenditures
DIANE G. RAIICl.ln'
ATIORNI:V.AT.J.A\\'
'HlI TRlsnu: RO,\(I
C..Utl"IllI.I..I'Al7lJlI
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made by her on Defendant's behalf as of January 13, 1995,
together with all such expenditures made thereafter of
the same or similar nature.
(e) awarding Plaintiff reasonable costs including,
but not limited to, court costs and appraisal fees,
(f) for such other and further relief as may be
equitable and just.
COUNT II - DECLARATORY RELIEF:
TERMINATION OF AGREEMENT
20. The Plaintiff incorporates by reference the
averments set forth in Paragraphs 1 - 19 herein.
21. The Defendant has materially and substantially
breached the July I, 1987 Agreement attached as Exhibit "C" as
modified by the December 6, 1991 Agreement attached as Exhibit
"D" by failing to make her share of the payments for mortgage,
taxes, insurance, utilities and repairs as itemized on Exhibit
"E", incorporated hereto by reference.
22. As the result of the aforesaid breach the Defendant
has forfeited all of her rights under the aforesaid Agreements
and in and to the property described on Exhibit "A" covered
thereby,
23. As the result of the aforesaid forfeiture and
breach, the aforesaid agreements should be terminated and the
plaintiff declared to be the sole legal and equitable owner of
DIANE G, RAIlCI.IFf
ATTORNF.\'.AT-I.AW
5U8 TRINIIl.l: RUAn
r.AMr 1111.1., I'A 17011
8
the premises described on Exhibit "A" incorporated by
reference hereto,
WHEREFORE, the Plaintiff respectfully requests this
Honorable Court to enter an order:
(a) declaring the parties' Agreements attached as
Exhibits "C" and "D" to be terminated and be null and
void;
(b) terminating all rights and claims of the
Defendant in and to the real estate described on Exhibit
"A" and declaring her to be a tenant at will;
(c) declaring the Plaintiff to be the sole legal
and equitable owner of the real estate described on
Exhibit "A",
Respectfully submitted,
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DIANE G. RAIlCI.IFF
ATTORNE\'.AT.I.AW
sus TRINIH.l RUAU
CA~1l' 1I11.l.,.'A 17011
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lIP ! lnnER or D!tOS
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Nirul,m AundNd and Eighty-lawn
i3dwccn I1cna1d r" 111110)' on!lluoIn I. 11a!ooy. I\l.o wl.l.,~t ~'
Hldd11ta\ 'I'oINh1p, c:u.mrltnil OoIIIty. Ponnoy1V1nla, bIlz1g party ot tho
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Kathl. J. 1ocl<a1U11cy. o1ng1. """"" ot Ilarr!WJrg, PonnIy1V1nla, porty ot tho
&eCCIld put"mwl'1lZ
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DltncBBctJ,. nalinMlridtraliOllof Forty '1\.0 11'ouIanl,-FiYO IIIhIrod 1$42,$00,00)
Dalla....
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in ""lid paid, 1M Nuip' 1/)""10/11 A"..by atkrwwltdg,d, 1M .aid grantor. d4,
,,",by granlalld "'"''tV'' 1M .aid gran'" ..... 'Aft':' alld llIrigo1,
ALL lllA1' CERrAIlI tract ot Ion! t<>]ather \11th building. on! ~ta ~
Br<<:ted I1tuato In South Middlotal 'I\:>o'rUIhlp, c:u.mr1on! OoIIIty, PonnIy1vAnla.
IIDro particularly boun:lcd on! d.scdbacl .. Co1lo>a. ,
=1IINCl at a point In tho=tor line ot Loqhlatiyo I>:Jute 21030; aloe I<n::o.n
.. tho DendorsviU. Jlood, at =nor ot 1anda "'"' or tomor1y ot tho Uriah lA1l.tacI
Hothodht Ch=h, thenoo along lAid lon!l "'"' or tomor1y ot tho Uriah lhltod ,
Hothodi.t Chun:h North 21 degn!ol 32 mlnuteo Eaot 132.30,toot b> an l%aI pin, :
thenoo by other landa ot. tho laid ctAIrch heroin, North , degrou 41 mlnute. 45 ,
oeoond. &..t S Coot to on l%aI pin, thonoo by landa IlO\I or tomor1y ot!.altar ,
St:arnor.73 cleqreco 14 l1lInute. 15 B<lOClI'dlI Eaot 140,00 Coot: b> on l%aI pin,
thenoo by tho BAI!Q on! 3anda IlO\I or tomor1y ot !.altar StarTer North 10 ~
$2 l1lInuteo 10 B<lOClI'dlI lolt 21,'0 Coot to a lteal pin, thenoo by laid landa "'"'
or Co",..dy ot !Alltor Stamer South 80 clcgmoa 2' mlnuteo 12 oea:nIl Eaot,77.25
toot to a lteal pin, thenoo by tho BAI!Q South 8 clegrooo 30 I1lInUt.ol 54 IGCalda
1I.lt U,20 toot to a lteal pin" thonoo by tho ....... South 28 dogrooa 14 IllInut:aa
n -. ClOt U3, "0 toot b> a POint In tho =tar ot tho ..LI Loqh11tiYO
IlDuta 210301 thonca by tho =tar line ot tho laid Loq1ll1at1YO Il:Jute 21030 by on
arc to tho right ot a dllltance ot 322,22 toot, lID.., or 1...,' b> a point, tho p~
ot D!Il.INlD<<J. .
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CXJIfAlNlNCl ,8678 acrel, noro or Ie.., on! deocr1bacl1n ea:onlonoo \lith a ourvoy
by Jam R. 1/1111_, RDghtorcd Burveyor. dated Saptmbar 2~, 1983,
IlEIOO tho """" t\.I:l treeta on! pnnlaea \o!\Ich Camt.nIoalth Nltla1a1'1lonk by
1ta Ileed dated Febmuy 23, 1~83, on!l'tlCOrdod In tho oUico ot tho Rooorder
ot Ileeda In on! tor CU1tJorltnil OoIIIty 1n Doed IIook 'S', Velure 30, Pogo 608.
qronted anllXllMlycd unb> I1cna1d r" IIa1aey on!lluoIn I. 110110)', Grenton 1m1IIn,
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EXHIBIT
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RECOr.CE~.vifl~t cFlHE
REcon'~R or cr.!CS
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'87 JUL 0 r" I l'b
Is,... lMt, ..... lMt ,. ........ lWIl
MORTGAGE
July 1,
TillS MORTOAOE (.s",url~ "j/rum,,,") Cdl",\-,," .....{....'r......................-fij...fj........h-U..~-.......
19.Jt?.. The mort",or iI...._lYt1'H...........,...".~,!t~......~.ti....,....~...x\9....!!....~!?.!':'.~.~,f........".....~.!I(',~.,......"..~.'.l...."...~.'
.t,.tt,h.b\lt.fh...r.It...................................... ~nnfTO.r"'). ThII5<<urilf Inunlmmtl.,lnn to ......~~.r~.!.f!.M~.._.
f.J;.IlUf$.r.~.y.^'!.J.^....Q^y.nl.9.~....ft.~.~.gJa~:r..Hm_..___.................................... .hlch It nrllnlrrd and cslllln,
undtr lhc I...or ....t.h....c.amIllDnwo.l.t.h...Q.f....t',.I......_... and .hose .ddrtu Is ........l,Q.Q...H.f1.~l..............._...
%.nd.poM. n ~.O..~.I,..,...,~h.m9.~I.n......p....M..y.l.v.tn.l.............'..............'....."..'.._...._..... ("Lend,,;.
Dorr......" u,d.. .h, pri.dp.llUm or ..._T.II.!.ft.T.r.i~.9gR...r.!1.9y.ft.M!Q..,!....Q.9(,.P.,P'_....._..........._,....
.....................-...........-...--.........--- DolI~n (U.S. S........,....9.Q.t..9.9........). Thll d.bt I, nldrntrd by Borre...,,', nole
dllm Ihu,mrd.lr IIlhis SteU"t, '"llrumtnl S'~(IIC'? ...hltl1l'ro~ld" (Of monthl)' raymmll, ...llb the MI debt, If not
raid carlltr. due ,nd JIIy.bleo" ...........".............".\!..'i.....I....~.fI!'__......_..__..._.......... This Sccuril'llnllnlmml
,"urn 10 undut (I) Ihe rer'1mr"1 orlhe debt evidenced brlhe N"lt. wllb Inlcrnt. and.lI <<ntw.l.. tllmllcn..nd
modiAullon'j (b) Ihe r'Jmrnl of.1I Olhrt sum., .-ilh InltrtSl, .dranrcd Undtr plrlluph 110 r,rnltCllht ICCUrll)' 0111\1,
SrcU"l, fnllnlment; an (c) Ihe rcrformlnu ornorro.u'. rnyman', .nd ','<<mmll under Ih . 5<<uril)' Inllnlmml and
the NOlt. Fo, Ihl. rurpmr, IlorrowcrdMt hmb)' mOrfll,c,lf1nllnd conn, 10 Lmdtr Ihe (ollowln,dtKribcd Propat1
klCaltdln ....................C,umll.r.l.And......................................_._......___..........._ Count" Pcnn.)'IYIAlaz
ALL TIIAT CERTAIIt tract at land toqether with bulldlnql Ind
improve.ente thereon .r.et.d, .1tult. ln South Hlddl.ton Town,hip,
Cu~b.rllnd County, P.nnaylvlnla, mar. partlcularly boundld and
d.acrlbld al tollowl.
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bEGINNING at I paint ill the centar lin~ at Llqi,tativl Rout,
21030, It,o known I. the nenderevill. Raid, at corner of landa now
or tor..rly at the Uriah United Hethodiet Church, th.nce along .114
land, now or tar..rly at the Uriah unit.d Hethodht Church Itoll:th
21 d'gra.. 32 minute. Ellt 132.30 f..t to In iron pin, thane. by
othar llnda at the .aid church hlrlin, North 9 degre., 41 .inut..
46 'Icond, ...t 8 te.t to an iron pin, th.nee by land' now or
tor.lrly at Le'tlr St'rner, 73 dI9r..' 14 minute I 16 ,Icond. .a.t
140.00 taet to an Iron pin, thene. by the .... .nd landa naval'
far..rly of L.,tlr St'rnlr North 10 daqrl.' 52 minuta. 10 .eeond.
...t 21.90 t..t to . Ita.l pin, th.nee by laid land a nov or tor..rlr
of La,tar Stlrnlr Bouth 80 deqr'I' 29 minut.. 12 ,.eonde ..at 77.25
t.et to . .t..l pin, thlnel by the .a.. South 8 dlgr... 30 .inut..
54 ..conda v.at 62.20 faet to . Ita.l pin. thenea by.... South
28 dagraa. 14 _inutaa 19 .econd. II.t 123.70 feat to . point
in tha clnter af the ..id Levi.lativl Route 210301 thance by the
e'ntar I1ne at the ..ld Llqielltiv. Rout. 21030 by an Irc to the
right of I diatlnea of 322.22 feat, more or 1..., to I point, the
plac. af beginning. CONTAINING .8678 .cr.., .01" or Ie.., and
(Cont1nueI1 on Attached Shut)
.hlchhll'h..dd,,,,or ..._...~P,.,...,1..I....~.u,...I.~.?....,,_._.,...,..........._.._._ll.,!.~nu._......
IS""'I ItllJl
Ptnnlrlnnla ...._................t!.~.?.~....."...."...... ("rroprrt, Addrna"");
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100mIER. Wml alllh, ImrmVCmtnlt nil. or hm:antr meted on Ih. proptrl)', and an cucmml!. rialau.
,prurttnanccto rent... ror.1t1n. minrral, oil and IU nIhil and prllll" waltr rilhll and Uld and aU aahUtS no. Of
huranu. rart oIlhe proprrtr. All frflllttmtnlt and .dtllllonllhanabo be covmd by thla Securit, InllrummL All oItbl
(oft,olnlla n(mtd to In this Stturil)' InalN!"tnlII Ih. "Prormy."
DoUDwn COVENANTS Ihal OlllTtlwcr It la.rully wised or th, alai, hmb, corn'C)'ed and hu Ih. ri,Mlo
mortl'lt, ,rani and cony" Ihe Pro('trtr and Ihalthe Proprrt)' II unmcumbcn:d. "up! (Of mcumbranca ot rcconL
p.,rro'A'U "'arr.nll and will dtrmd 'tnmll)' the lill, to tha Proptrt, aplnll .U clalma and dcmanda. IUbJect 10 1ft,
tncumbnnttl 01 fUonJ.
THIS S[[\I"'1"'I' ImUUJoIINT tllmblna unlrorm coymants (or ftll~ IlIt and lOftounl(ona COYenanta with
limited uMallona by Jurildlcllon loconllilule. uniform l<<\lrit, InllI\lmenl COY'Cfin, raJ propufJ.
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EXHIBIT
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UHlPOIN Q)'t'IHAH1'1. Donotrcrlftd laldcrCllMDUI lad 1.,..rolSowu
1. r.,..,., Prilclpol"'.''''''' ......,....... 1m ~ ~ aIWJ .....1"1, pll ..... d..
... prlndpaJ oland inltml on Ih, drlll nkJmcaJ b)' Ih. NOI' and aI)' pnpI)mml and lal' .harra dl.lC under Ihe NOle.
1. rYI'" ror TII" udlulltUCt. Subjtclln .ppllubl,lIw or 10 '.nllm .Ihetb)' Lcndet, Borrow" IhllI JW)'
10 Lender 01\ Ih, d.)' monlhl)' p'ymft\llut due \lnder Ihe NOle, unUllhe Note" "..ld In rulI,. lum C"Fundl") rqulllo
onc-l.clRh or, f.) yurl, IUn .nd Ulntmenll .hleh ml, '11.11'1 priotil)' Ot" Ihlt Sccutil)' Inllr\lmml: Cb) ,rarl,
lcuchold r-)menll or .round rrnll on Ih, Propen" lr '1'1'; Cc) )url, h.urd Inluran" prnnluml: .nd (d) )url,
mon,I.,lnluIJnu premium.. iran,. Thcu lI,mll" c.Uh.' 'nerow ilrm.... Lendu ma, nllm.I'lh, Fundi dtol' on Ih.
bull oreunenl 1.1.11 Ind ,..non.ble esllm.ln ur rtollure atrow Ilem..
n, Fundl,h.1I bc held In In inUilullOn Ihe depolil' or lceounl. or_hleh I" Inlured or ,uu.nltcd b, a rederal or
1111. ',enc, (lncludln. Lender Ir Lender Illueh '1'1 Inllilullon,. Lender .h.lllprl, lhe Fundllu P" Ihe nerow item..
Ltndrr m., 1'101 choU,' ror holdin. and 'rrd,in,lh, funl.ll, .nal,'in. the luounl or ,"enr,ln'lh, nerow i!eml, unlcu
under 1\')1 &lrraYrll Inlernl on Ih, fundi .nd Ipplicable law pennltl under 10 make .ueh a chu,.. lklmn~'u 11'11.1
under ma, ..rce In Yrtilln'lh'l Inlernllh.1l be paid On Ih. f'!nd.. Unlell In ..rcemenl" made or .pplicable law
nqulres Inlernllo be !'<lId, Lendrr Ihan 1'101 be required 10 JII)' norro" er '1'1)' Inlernl or umln,. on Ih, fund.. Lender
Ih.Il,ite 10 DorroYrer. wllhoUI rhu,e..n .nnu.laceounlin. orlh, Fundllho_ln, credill .nd debill 10 Ih, fundi '1'11.1 Ihe
purpxc rur _hleh tarh debl!IO Ih. fund...... m'l!t. Th. fundi Ire plt\J'N l1.dl!ilional ,"util)' ror Ih. luml ,"urN b,
IhIISct,nil,lnllrumrnl.
Ulhe .mounl orlhe fun"'l held b)' Lender, lo,rlher ..ilh Ihe rUlurc monlhl)' fII)'menll arFundl p.,able prior 10
Ih.du, d.ln orlhe nerow Ileml, Ihlll urttd Ih. .mounl requited 10 fII)' Ihe nero.lIeml when due,lhe uenllhall be,
.1 Dorro"u'l ortion, .ilher rrompll, rep.lld 10 Dono_er ortrC1SilN 10 Oono_eron monlhl, pl1mrnll or fundl.Ulhe
.mounl orthe Fundi held b, Lender Ia nollumrirnllo JII)' Ihenerg. heml_hen due, Douo_er Ih.1I pi)' 10 Lender '1'1)'
Imounl n<<nur)'lo make Ul' Ihe derldene,ln one or more p')mentlll required b, Lender.
Uron (l.,menlln MI or .Ulum. ,"urN b, Ihil Sn:uril)' Inllrumenl, Lrmler Ihan promptl)' "rund to DorroYrer
.n1 Funds held b)' Lender. !runder r'<1r"f.lph 191h. Plopen)' lllOld or .CqUI'N b)' Lender, Lender Ih.ll'rrl" no 1.ler
Ihan Immnllately prior 10 Ihe ..,Ie Orlhe rlllpeU)' or IUlCquhillon b)' Ltnder, '1'1)' Fundi held by Lender allhe 11m. or
'rpllClllon II. uNil.,.lnlllhc lumlaccurcd b)' Ihis Srcuril, Inllrumenl.
3. AppllullCJlI or r.tmerlll. Unlcu ,prlicable IIw protldes olhe,."lw..1I p.,menll rcceltcd b)' Lender under
plr.,r.phl land 1 ,h.lI bt .pplled: IInl, 10 blc char,n due under Ihe NOle; ,"ond,lo prcp.a,mcnl char.es due under Ih.
NOle; Ihird,lo .mounll fII)'.ble under plU'flph Z; rounh,lo Inlunl dur: Ind IUI, 10 prine1ra! due.
4, QU'rtl Urn.. Dorrower Ih.lI p.l)' .lIlun. .IIeumenU, char,", ftnn .nd Impoa,lIlona allribul.ble 10 Ih,
Ptopen)' which ma, aualn prioril)' otCr Ihll SCl:util)' Inlll'\lmrnl. .nd lellehold pa,menll or .round fenl.. Ir '1'1)'.
Dorrower Ih.1I pi)' thne obll"llonlln Ihe m.nner protldcd In plU,"ph 2. or Irnol r'ld In Ihll manner, Dorrower Ih.1I
pa, Ihem on lime dlrecll, 10 Ih, penon owed p')'menl. Dono_er Ihall prom I'll, rumllh 10 Lender.U nollen or .mounll
10 be paid under Ihll plU,"ph.lrDorro..u m.ln Ihne pa)'menll direell" DorrOYl'ef Ihall plompll, (umbh 10 Lender
tccelpltt\<ldendn,lhep.l)menl.. ,
Dortower Ih.1I prompll)' dlachll" '1'1' lien ...hleh hll priorit)' otCr IhlI Securil)' Inlll'\lmenl unlna Dormw.n e.}
.,rra In wnUn,lo Ih. p')'menl onhe oblf'.1llon secured b)' Ihe lien In I mlnner acceptlbl'IO under; fb) conlnl,ln ,cod
r.ilb Ihe ften b)', orderendl .,alnll enror"menl orlh, lien In. le,ll proccccUn,1 Yrbleb In Ihe Lender'1 opinion orcr.le 10
prt\<.nllhe enrorcrm.nl orlh,lien or rorl'ellure Qr.n)' pan orlhe Propen)'; or (c) keurn r,o," Ihe holdnorlhe Urn In
.,rremenl lall,raelory 10 Lender .ubordin'lln. the IItn 10 Ihil 5<<util)' Inlll\lmenl.1( under del.nnlna Ih.1 In)' p.t1 or
the ProJlCn, b lubjCCllO a lien Yrhieh m., .uain ptioril, our Ihil 5<<uril)' Inlll\lmenl, Lender m.)' ,'te Darrower I
nollce Idenllr)'ln,lhe !I.n. Darrower Ihall I.lliar)' Ihe lien or I.... OIIe or morc oIlhe aclion, wi ronh .ben. ...llhln 10 d.)',
oIlhe.h'in,ornolic~ .
5. 1'lUJ'd fnlulllle., Dorm_er,hall hep Ihe ImprOtemenll now .a1uln, or IIetuRer ereeled on Ihe Propen)'
InlUrN ',linUlolI b)' ftrc, huardllncluded _llhln Ihe lem' "ulendcd co,,",e" .nd '1'1' othrr h.unt. ror Yrhleh Lender
requires Inlut.nee. nib Inlullnce IhaU be m.lnl.lned In Ih, .mounll .nd ror Ih. period. Ih.1 Lender Irqulrn. The
Inlurance artier protldin'lhe Inlurance ahall be ehmen b)' Porrowcr IUbJCCI to Lender'l .ppronl Yrhleh Ih.1I 1'101 be
unrUlOn.lbl, wilhheld.
AIII",urance policies .nd renewall Ih.1I be I<<'Pllble 10 Lender .nd Ihllllnclud, . ...nd.nt mon,l.t c1.u...
Lrnder 111.111 hne Ihe rl.h1lo hold Ihe roUein Ind rentwal..1r Ltnder requlrn, Derrowcr Ihall prompll, ,I" 10 Lender
.11 ,eetlpl' orJl.1ld (lrrmiuml Ind renewal nllllen.ln Ihe"rnlOrloll, Derrowerlh.II,ln plompl ~icc 10 Ihe Inlurane.
urrier .nd Lender. Lender ma)' male proor orll)U lrnol m.de prompll)' b, Oonower. .
Unlnl under .nd DorroYrer olh.,.lw ..rce In...tilin"IMullncc procctdl IhaU be .pplled 10 rnlollllon or repair
orlh. Propen)' dam'led,lr Ihe fnlorallon or repair II teonomlcall)' rellible .nd Lender'l lCCuril' II nOllnwncd. It Ih.
mlonllon 01 repair it nol economlcall)' rcallblc or Lender'l ,"uril)' ...ould be leurned. the Inlurance proceedl sll.U be
.rrlled 10 Ihe lum, muted b)' Ihll SccurilrlnllNmml, ...htther or nOllhen due. ...ilh an)' elCn, paid 10 lklrrower. Ir
Donower Ib.lndonllh, Propen)', or don nol.nlwer ...lIhln JOd')'I. nollcc rrom under Ih'llhe Inlurance utriet IIu
oll'md 10 tellle. elalm,lhm Lender m.)' colltellhe Inlurancc proem.. under ml)' Ule Iht proceedllo repair or rnlOff
Ih, Propen)' or 10 (I')' lum, leeurcd b)'lhit Sccutit)' Inul'\lment, whcther of nollhen dut. The JO.d., petioli ..ill be.ln
.hen Ihe nOllce II.hrn.
Unlnl Lender .nd Dorrower olhe,...lw .,r" In Yrritin,. '1'1)' 'rpliCllion orprOC'.cdllo principal Ih.1I nolulend or
pos1rone Ih, due 1.1.1. orlhe monlhl)' p',menl. rerened 10 In pan,raSlhll.nd Z or ,hln,e Ihe .mounl orlh, p.,menll. It
under par"f1ph 191h. Propen, it acquired by Lender, Oorro,.,r'l ".hIIO .n)' I",urance poncin .nd proc.edl rnuhln.
rrom d.m.,e 10 Ih. Pro pen)' prior 10 Ihe acquilhlon Ih.lll 1'.1110 Lender to lhe nlenl o(lhc lumllCCurcd b)' Ihil Steuril)'
Inlll'\lmenllmmedi'lel)' ptillr 10 Ihe ICqulllllon. .
" rmeruUDn and Mallllen'lIcc or rropcr1Jl LtuellDld.. Dorrowu Ih.1I nOI dnlro" d.ml" or lubalanll.n,
ehan.e Ihc Plopen" .1I0w Ihe Propen)'10 deleriorale or commll Yr.II,. It Ihil Securil)'InllNmenlIt on almehold,
Donower Ihall eompl)' "'ilh Ihe protilionl orlhe luw, .nd Ir Dorro"'er acquires rrc IIlle 10 Ih. PropenY.lhe lellChald .nd
(rc Ihl, Ih.lI 1'101 mer,e unl.... under ',rees 10 Ihe mer.er In wtilln..
7, rrolcctloll ot Lcnder'l Rlihll I" Ih, rlllPfnll MDrt,I" lalUlutt. It Dorrower raill 10 perform Ih,
cotCnlnll Ind "fermenll conlalned In Ihl, Sccurilr IMINmrnl, or Ihu.1a .1,,"1 proccrdln,lhal m., t1,nUIClnll)' .lI'eet
Ltnder'l ti.hltl.. Ihe Plorcn)' (such AI . pracentin,ln blnkNplC)', problle, ror condemnation or 10 '1'1(0'" IIwl or
""ut.lion'.,lhen Lender n'.)' do .nd p'r rllr Yrh.lleur II nccnury 10 prolcellhr ..Iue orlhe PloJlCny.nd Lender'1 ti.hlt
IlIlh. Proper1,. Lender', &(llonl ml)' Inelud, p.)'ln, '1'1)' ,Utili wcurrd b)' .Iien....hlch hu ptiotil' atCr Ihll Sccunl)'
InllNmenl, .rrunn.ln coun, p.,ln. re.lOn.bl. IlIom')'I' rcrs .nd enltnn, On III. Propen)' 10 m.kr "p.lra. Althoulh
under m')'I"e IeliulI under Ihil pln.rap" J. LendcrdUC'l 1'101 h.u to Llo 10.
An, ''''Ilunll disbunN by Lender under Ihlt pUI,raph J Ihln become .ddlllonat debl or Dorro_" lCCurcd b)'lhla
Sccudt, 'nllrum,nl. Unlnl Oono...er .nd under "fCeloolher lennlorr.)'menl,lhnc .mounlllhlll belllnlerna (rom
Ihe dll, or djlbunemtnl '1lhe Nol' tile .nd Ihan be p.)able, Yrllh Inte,nl, upon noli" rrom Lender 10 Dorrowcr
rrqunlln,p.)'menl.
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rr lAndrr rrqulrrd mnl1,.1" In.ur,n't II . condition of maUn,lh, loan wcurtd b)' IhI, 5ecuril, Inllrumnll.
On""." ,h,1l r'r Ih, prrmlunn rrquhtd fO malrll,ln Ihe In'uune. In crr,e' unlilluch IImr It Ih, trqulrnnnu rot lhe
InlUfllltf tumi",," IlIaccord,ncr ..i,h nntnl..u', and lIndu', -nll,n ',rumrnl or 'rr1iubl, I..,
I. IIIIIlrrtlan. Lrndtr or 11l',tnl m.)' mil. rr.no1uhl, rnlnn "ro" .nd In1r'"llonl o(lh, Ptortr1)'. Ltndtt'
.h.II.I~r nnlflllln, fUllltr Illh. Ume nf or rrinr 10 In '"'('<<lion 1r<<lf)'ln, rtJSOflablt ,.UIt (0' the In'ptCllon.
t. CondrmlllllD" 111, rrnC'rnh of In)' ..ard or (111m for dIm,,", dlrKI Of 'on~u'nlll"ln ronn<<don with
.n)' cMdrmn,linn Of olhrr IIUn, of In)' pin or Ihe rrO",")'. or (or Conu)'.nce In lieu of (ondemnlllon. Ir' hereb1
IUd,nrd .nd Ihlll be raid 10 Lendrr,
'n Ih, nent 0(. 10lal U.io. of Ihr rrnf'trl1, Ih, rrotenh IhaU be .rrlitd 10 Iht lumllreurcd b11hll !",unI1
'Mlnlmrlll, ",hrlheror nOllhen dur, _llh In1 e,cnl rlldlO Dorrower, In Ih, nrnl at. rarll., 1..10, o(lh, rrorrrlr.
unlcu Dourn.." .nd lAndrrolhtrYt'llc 'crre In wnllo" the tumllt'turrd br Ihl, Sf'Curll1 Inllrumrnllh.1I be rtducnl b1
Ih'lmounl aflh, r~rnJI mulHr1i'tI by Ihe tollowlo, fr,cllolu e.) Iht 101.I.mouol oflhc sum, t<<urtd Immtdl.ltl,
tltfo" Ih, I.Un" dh-Ided by fb) Ihr f.l, m.rht ""ur o(th. 'rurrrl1Immcdl.lel, bero" Ih, I.Uo,. An, b".nc. 111.11 bt
r.ld 10 Dournur,
Iflh, rrorrrl, lI.baodonrd by Borrowrr. 01 1(, .ntf nOllec by ttndrr 10 Dorrow" Ih.1 Ih. tondrmnorolrm 10
m.h.n ....ltd or <<III.. rI.lm tord.m:ltn. norrower (.il'IO r"rond 10 ltndrr ..lIhln )0 d.y, .nrr Ih.d.l. Ih. notler I,
,htn, Lmdtr I, .ulhnritrd 10 (Ollrel .ntl 'rrl, Ihr rr(l('rfth, '1111 o(lllon, I1lher 10 rnlorallon or ftr"lr 0(11" Prorrn, or
10 Ih, lum, lreurrd by Ihil Srcuril' 'nurumtnl, ...hrlhel or nOllhrn du,.
Unlnl under .ntl Dllrro"'er olhr.....i.. "lfr In wrilln" .n, 'rrllClllon otrtoettdllo rnnclral,hlll nOI e'lend or
roalronc Ihc duc d.lco(lhc mnnlhl, ra)'mrnll ufttrcd 10 In ru1l&:rlrht I.nd 2 o',h.n,t Iht.mounl ot,uch rarmmll.
10, "orro"" Nor "e1mt.:!1 Fo,l:r:ucnn 0, 1~r:4" Nol . \\,.I..r. Ellenllon of Ihe Ilmt for raymenl or
modiftClllon of .mOrllutlon of Ih, SUm, It'CU,nJ by Ihll Srcurily Inllnlment ,r.nlrd by tender 10 .n)' .U(',:tllol In
Inltrnl (If Oorro"..,lhlll nOI Orrtlle 10 rrlene Ih, llabllily oflh,oriclnJI oorro",,,or D(lrro...u', tUCCnNln In Inlunl,
undu ,hlU nOI be nqulrtd 10 commen" flrotetdln,s '1:11nll .n, IU(("lOr In Inlunl or ufult 10 Clltnd 11m, for
flJymenl or orhe....l., mnlhfr .moniullon oflhe 'UmllCC\lrrd b)' Ihh S<<urily InllNmrnl b, rtllOn of uy demlnd m.d.
b, Iheoo,lnll Dono..." or Dorrolll,,', 'ueenlon In Inltrtll. An, fo,br.nnc, b)' under In eurcllln,.n, n,hl 01 nmrd,
,h. II nol br. ...Ive, of 01 flrtclud, the eltrchc ot.n)' o,hl or remnJy.
II, SU(tt!lon .n4 Au!:'!, OO:ln"; Jolnt'::1 Snrrll U:~I!:rn Co.":::r". ne COvrn.nts .nd ',terrnenl, ot
Ihll !tfurlt, Inurumenllholll hind .nd btneftllh, lueenlOn .nd ani:nl o( under Ind 0"'10""", lubJrello Iht pro vII loot
ofIUU,ur" 17. Dcrro.rr', (0_en3nll ~ntl _Crttmrnlt ,hall be joinland "_cr~l. An, Dorrow".be tOoll,nl UIIS StturilJ
'n"nlmrnl bul dnn nOI Clrcule Ih, Notc: fl) h (o.lllnln, Ihll Sf'CIlril' InllNmenl onl, 10 rnort,a,e.,un' .nd toft""
Ihll normw,,','nlrmtln Ihr rrofltrty under Ih, lenn, of Ihll SCC\lril, Inllrumenl; (b) II nOI fltnnnllly abll'lledlo ra,
Ih, tuml ltCurrd b, Ihll5<<urilY InllNmrnl: .nd fe) .,rrn Ihal Lender 'nd an)' Olhtr DOtm'...,r ml, .,rft 10 e&lend.
mmitr, forbear or m.lt .n)' l(tommndallon, _il" re,ard 10 Ih, Ir""1 of Ihit Steurily Inllnlmeol or tht NOI, wilhoul
Ihll Dorrow,,', (""Itnl,
U. LoIIIOn!:", Iflh, INn waltnl b, Ihlt 5<<uOI, Inllrumenlls lubjrello. I.. whIch 1('11 m..lmum 1011I
char," .nd Ihal law it ftnlll, Inlerrrtlt'd 10 Ihal Ihe Inl"n, 01 Olh" lOin (har,n collccled 01 10 be tollrcted In
tonol\11on _II" Ihe loan "cmllhe rcrmllled limils. Ihenl fl) .n, such to.1n ehlt,e sh.II be rnjueed b)' Ih, .mounl
ntfnury 10 reduce th,(hUlt 10 Iht fltrmlllnllimil: .nd fb).nr lums .!tud, mUre'n! from Darro_" _hlch tlcredld
rrnnlued limill _ill be refunded 10 bono.tr. Lmdrr ml, ehM't 10 mlh Ihll refund b)' rrducln, ,h. rrinrlplI owrd
undtf Ihe NOleor b)' mol. in, . dirKI r',m'nllO Darro.",rf. rrfund reducn princlral, Ihe reducllon will be Irealed.,.
ranill rrtf\lymenl Wilhoul.ny rrrraymenl chit,. under Ih, Nolt.
U. uChlltlOIl AITrWn. I~noler'. Of,,::lt. If cnltlmrnl or flr,ltlllon of .rrllclble llws hll Ihe etr<<t of
nnd,n",,")' "ro"I"lI" oflhc Nol, or Ihi, Stalnl, Inlfnlmcnl unenfotC'lt.1b , "cOrdln, In 1I11,nns. Lender..t Iu orllon.
m., rrqulrr Immcdi.l, (laymrnlln full of .lIluml trcured by Ihl, Scfuril)' Inllnlmrnl 'lid mlr IlIvoh .ny remedies
rrnnlrrnJ b)' r.n.tlrh 19. "under '1ttC'lIn Ihil opllon. Lender IhaUI... Iht Ilept tprdftrd In Ih. S<<Ond pltl.tlph 01
(IIn,nrh 17.
I., NOII(tt. An, nolln 10 Dorrowel rrovldrd tor 'n Ihl, !tcUrilr 'nllnlmenl,h.1I be alun b)' dellunn,ll or b,
mlllln,llltr ftnl eI.u m.il *'nl"1 'rrllc:lhle I.. rrqulra "Ie of .nolher mtlhod. The nOllce ,hili be di,rcttd 101h.
Prorrn)' Addrnt or In)' olher Iddrn, Oorrowrrdnl,n'lcs ltr nollce 10 Lender. An, noli" 10 Lcnd" ,h.1I bt al..,n bJ
IInl elau m.illo ltnder"ld'''nlllllrd hereln or Iny olher Iddrn, lAnder dnlcnlln by nOII(c fa Do,ro""". Any nOlle.
r.ro--Ided for i" Ihll 5<<uril)' Inllrumrnl ,h. II btdttmrd 10 hn, brtn .i__rn 10 norro_" or tender whrn ,Inn II pro__Idrd
nlhilratl,tlrh.
IS. Co"rnlo'.".'S'""bllll" nit 5tcUOlY Inl'rumenllhall br ,o__rmtd by froml'.. Ind Ihe Ilw oflh,
}Uri\lfItUOII In_hlch Ih, rro(lC'''' Illoe.altd.ln Ih, ,nnllh.l.ny rro'illon or c1aUIe orlhll Steunl)' Inunlmrn' or Ih,
NOli tntltllfu _ilh .rrlinblt law, luch contlic, Ih.1I nol.lr'rct olher pro.illon, oflhls Steuril)' Inllrumrnl or Ihe Nole
_hlch cln be ,Iun elrtcl_ilhou'lhc contllclin, p,o.lIioll. Ta Ihil end Ih, pto.hlon. Oflhll5<<uril)' 'n'lnlmtnt.nd Ih,
Nnl'.rc drclolred 10 br Inrtlhlr.
I'. ODrrewrr'. Cop)', Darro.",h.1I N ,I_en aneeonrnnnrd tor, oflh, Nole .nd ofthl, S<<uril)' InllNmtnl.
17. Tral"r".r IfIt rtDf'ltrtt' Dr . n(nrtldalllllerttt'. norro..,. If III 01 .n1 (II" or Ihe Prorcn)' Of .n,
I",,,nll,, It h anld or Itlnlrmtd for If I btnellclallnlernt In IlarrOlur illold or lran,ferrrd .nd Donow" I. nol. n'luraJ
rcnllnt..llMuI Lender', rrior .nlltn eonlml, tender ml)'. .1111 ardon, requlr, Immnfi.le plymentln full of.lI,ums
Itcurrd b)' Ihi. Stfurily In"nlmenl. Uo.,,,,,. Ihll orlion Ihlll nOI bt 'ltraled b)' Lend" If ""dle I, rrohlbllrd b,
ftdetlll..norrh,daleoflhll Steurily 'nIlNmenl. .
"under Utrt1lC1lhlt arllon. Lender ,hall ,f., Dorro..,r nOller of .(nl".r1on. n, nOli" Ih.1l pro"Id,. J'f'iod
ofnot 'en Ih'n JOd.)'1 fmm ,hed.1I Ihe nolire h deli"errd or mailed wllhl" which Dorro"" mUll ray III lumlltCured b,
Ihi, Securily InlltUmrnl, "Dotmwer failllo rJ)' Ihne luml prior In Ihe "rl'llIon oflhh rrnnet. Lcndcrml)' lnyoh 'n)'
fmInUn J'tCnnlllrd b, lhi, !ccunly Inurumenl_hhOUI funher noli" or demand Oft IlonDYtrt.
II. Oorro.,,', nrC~llfl n,IIIUII. If Oorrower mtrl' trn.ln eondlllnn.. 00"0\1.,, Ifr.1I h... Ih. n,hl'o II...
,nfnrcemcnt ofthi, Sreurilr 'nllrumtnl dilCoollnurd II.n)' rim, rrior 10Ih,r:uUrrof1 f.) Sd')'t for,ueh nlher period It
'rrlitllbl, IIW m., 'rrcif, for ttlnllllrm,nl) "'fore tal, oflh, r,of"C"' runu.nl to Iny (WI-trot.." conlllnrd In Ihlt
Smrf"lt)' Inllnlm'nl; 01 (\I) ,nlry of. Jud,m.nl enrorcin,lhl. Srcunl)' Inllnlmenl. nOlI candidonl.'" Ih.t Darrowcn
f.) ray. under.1I luml which thrn wnuld bt du, undel Ihlt !reunly InllNmm, .nd Ih. Nol, hid no ."elerallon
Cltt\Innl; fb) fUrn .n)' drfauh of .n, olh" CO"'nlnl' or ',rtrmenlS; fc) ray' .11 captnln Incurred In mfordn, till.
Smrnl, tnllNmenl, lndudln" bul nol Umllrd 10. mlOn,bl, .1I0m'YI' fm; .nd fd) Ilka 'ue" .nlo.. II Lender ml)'
rulOnlbl)' rcquitt 10 .uure Ihlllht 11m of lhil 5<<uril' 101llllment. und,,', n,hlS I.. Iht Propeny Ind DofTOw""
obll"llort 10 Plr Ih. lumt srcurat b, Ihlt 5<<unl)' '"lInlment ,hili tOllllnu. unchan,rd. Upon reinal"""aU ""
Borro.".lhb !<<vrtt)' hUlnllftftll.nd Ih. obli,lllonll<<\lrrd hmb, Ih.1I mnaJII tully .lra:d... u lho KtckrtUon bd
occumd.lfcnrncr.lhis 11,1'1110 ninll.t. t.htll nor 'r,.l, In the cue rA .cnlmUon UAdtr plAlRphll) 01" 17.
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3. Possession of the premises shall be shared by the
:~ parties from the date of execution of this AgJ;eement. It is
,
'! understood by the parties hereto that Buyers intend to utilize
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,! a portion of these premises for their business, April Productions.:
;1 seller hereby consents to said utilization immediately upon
:' execution of this Agreement.
4. Final settlement shall occur on or before the
, satisfaction of Seller's present mortgage to Central Pennsylvania
I ~
Savings Association. At that time Seller shall tender to Buyers
"
'I a properly drawn and executed deed of general warranty, conveying
;i
" to Buyers a good and marketable title to their interest in fee
,
.
simple, free and clear of all liens, charges, easements and
'f encumbrances, except those visible and/or of record. Said
, Deed shall provide that Seller and Buyers shall own this property
as tenants with the right of survivorship and not as tenants in
common.
5. All costs of maintenance, repairs, taxes, assessments,
improvements, or the like shall be borne equally by the parties,
'.
" i.e., in three equal portions, except as follows:
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(a) Buyers shall be responsible for fuel,
electric and phone bills to the garage, house
and unfinished apartment; Seller shall be
responsible for fuel, electric and phone bills
to the finished apartment;
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(b) Buyers shall be responsible for maintenance
to the inside of the house, garage and unfinished
apartment; Seller shall be responsible for
maintenance to the inside of the finished
;
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apartment;
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(c) Buyers shall be responsible for repairs
to major appliances in the house and unfinished
apartment; Seller shall be responsible for
repairs to major appliances in the ~finisht2~
apartment. ~~\.S'f) 7-I-fJ7
/!+ 7 -I-YO?
Seller and Buyers shall establish a common checking
account out of which all bills for joint obligations relating
to the property shall be made.
6. All parties hereto shall have parking privileges
in the garage. Buyers shall also be able to utilize the garage
for work space and an office area.
7. Realty transfer taxes will be borne in equal shares
by the parties upon final settlement.
8. Each party hereto shall maintain $lOO,OOO.OO of
" life insurance until such time as final settlement occurs. The
,.
existing beneficiaries on said policies shall not be changed
I
i: without the written pr~or consent of all parties hereto.
I:
,
-,
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i
I
,
i
,
9.
This Agreement shall not be assigned without the
prior written consent of Seller.
-3-
/
, ,
, .
10. This Agrecment represents the cntire agreement
between the parties and there are no written or oral under-
standings, representations or covenants other than as contained
herein. This Agreement supercedes the written Lease between
I
,I Seller and Buyer Millie M. Ackalusky dated April 24, 1987 and
iI
!i all parties thercto are relieved of any and all performance
,; thereunder.
"
,.
!i
ll. This Agreement shall bi~d the parties hereto, their
,
,; heirs, executors and administrators.
,I
"
IN WITNESS 11IlEREOF, the parties hereto have hereunto
set their hands and seals, the day and year first above written.
:: Witnessed By: "-
" ? ~ J
yEt/L'( '-, 'm .1f~~,~f-'.-'
yO f '1 ,-I /.' hE:
~0/Lo;?..-L 0), l!ii, (/1:1'77,,<' -..I
d/~tL ~)l :~/u.-#:,>
"- 1/
(SEAL) ,
, ~ (SEAL)
11
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, ,
l\GREEMENT
THIS AGREEMENT is made this
,
day of ~/'/~
'r./
1991, by and between KATHIE J. ACKALUSRY, hereinafter called
Seller, and DEBONUI J. HENDERSON and MIL M. ACKALUSRY,
hereinafter called Buyers.
WITNESBETII:
WHEREAS, the parties hereto entered into an Agreement of
Sale dated JUly 1, 1987, for the purchase of the premises now
known and numbered as 909-911 Goodyear Road, Gardners, cumberland
County, Pennsylvania, under the terms and conditions provided
therein; and
WHEREAS, Buyer Deborah J. Henderson desire~ to cancel her
obligations under said agreement and surrender whatever equitable
i~terest she may have to the remaining two parties.
NOW THEREFORE, for the mutual promises and covenants
contained herein, and for other good and valuable consideration,'
it is hereby,agreed as follows:
1. Deborah J. Henderson is hereby released of all
obligations arising under or because of the afore-referenced
,
t
Agreement of Sale, and she is not responsible for any outstanding
debts, liens or other encumbrances aftecting said premises.
2. Deborah J~'Henderson hereby surrenders and conveys her
entire equitable interes~, if any, in the above-referenced
premises to Kathie J. Ackalusky and Mil M. Ackalusky, and she
agrees to execute any and all necessary documents, such as a
quit-claim deed, required in the future to accomplish this
cC?nveyance.
EXHIBIT
I])
. ,
. . .
KATHIE J. ACKALUSKY : IN THE COURT OF COMMON PLEAS OF
PLAINTIFF CUMBERLAND COUNTY, PENNSYLVANIA
VB.
HILLIE L. ACKALUSKY
DEFENDANT
CIVIL ACTION - EQUITY
DEFENDANT'S SHARE OWED TO PLAINTIFF:
Mortgage
Homeowner's Ins.
Met Ed
Trash
Misc.
$ 7,414.95
$ 849.50
$ 1,200.00
$ 290.94
$ 690.65
TOTAL
$10,446.04
EXHIBIT
l ~
DIANE G. RADCLU'F
^l"HlRNF.\'.^T.I.^W
'HI' TRtSnu: RUAn
(;AMI'III1.1..I)A 17011
I
::111:1, rIT'~: l.i:TlJl'.:;
Cf,SE 110: l')~'~','l1l[1C'r' r.
COMf10NWEALTII OF 1'[,IIII~;'!I.'.'ldll!,:
couln'! CF CUtlIlEIiUd/P
!Let' A !.JJ~;.t;'LJ~ATJJIf._, ,I. .. _. .
'IS.
t!~JiA!-J!;;~\ Y _.I,1I"'L I, t::_J.L.__...
_R!__TJ1~.r~~ULJiLj_1l_~___._________._ w' :'.~tjl:-r- J.f (, Wh(l {)fll lILJ du 1,' ~;""I)I'n llCCOl"d ing
to la"" 5;)1'13', th.lt hc' In.ldo di l iql~'nt ::;r;>arch dlld .tnqult-i' ffJI" thc.1 wit.hin
nallled defen,jnn t, 1;" w 1 t. :.J~~]\AhJJ.2J\Ll!J,I.J.II;_.lL_.-,____...,____, ___.._____
bu t waG unnb Ie 1.0 1 OC.-,t c" -1~'I__. ill tll'; billli w 1 cl,.
II", lhc.,..,Jo[(> rc"turn:;
th.? COMPLAIIIT - EOllITL___ IIC1T_FiJJ!lH'-_., as 'n Ult' wlt,hlll lhllnpd de(Plldilnl.
ACKALUilliLJUJ,.Ll E.J1__ ____.._,.______
SEVERAL ATT~MPTS AJ_~!lVI~J;_"!_mf._JlA[lE,_..I).!2.L.~.E Wj-2IDL_.________
UN A BL~ TQ..!,.QC A.T.LP.E;f..P!h\lLT, _...__.__, .."_". .._...__.... ,. ___ _n" n' ..__.__,__.__.
Sheriff's Costs:
Docl:€'t inn
Serv1.cP .
AfLldavlt
Surcharge
1(1..00
-3. }.f:;
.11I0
::.lWI
Sf) ~trlE wpr F: ~
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R .-Trlo',n',',,- KITrit. ;-Sr,c;r-i T1"-.------..-
':>::r:-:-;i" ['It\lIE I\M"~LJFF
~'lr~I/O~'~,' 1 '}':,1':J
Sworn and nu~=crlb~rl to IJcforp me
thlB
1"1
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?{.. fl. P.
.._u~...'-'-. Q.~ ..}'1<ll.....hf...- tt..R/J<i_. __""
7 I 1'1'611~I.l-n6 .~r,f -?-
DIANE G. RADCI.IFF
ATTORNE\'.AT.I.^W
JHI TRINIH.t: ROAn
CAMP 1111.1.. P.' 11011
...
KATHIE J. ACKALUSKY,
PLAINTIFF
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. (/)o- I,jcl f C-{I)l/;'-(l( (c: I! /loA
vs.
MILLIE M. ACKALUSKY,
DEFENDANT
CIVIL ACTION - EQUITY
NOTICE
YOU HAVE BEEN SUED IN COURT. If you wish to defend
against the claims set forth in the following pages, you must
take action within twenty (20) days after this Complaint is
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 or other rights important to
you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF
YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR
TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN
GET LEGAL HELP.
COURT ADMINISTRATOR
CUMBERLAND COUNTY COURTHOUSE
1 COURTHOUSE SQUARE
CARLISLE PA 17013
(717) 240-6200
1
L
DIANE G. RAIlCLIFF
ATTOIINEY.AT.I.AW
SUI TRINUlr. RIlAI)
CAMP 11I1.1.. I'A 17011
attached hereto, marked Exhibit "A" and incorporated by
reference.
4. The aforesaid property is subject to a mortgage
given by the Plaintiff, Kathie J. Ackalusky, to Central
Pennsylvania Savings Association in the principal amount of
$34,000,00 and dated July 1, 19B7 and recorded in the Office
of the Recorder of Deeds in and for Cumberland County,
Pennsylvania in Mortgage Book 873, Page 53.
A true and
correct copy of said mortgage is attached hereto, marked
exhibit "B" and incorporated by reference,
5. The aforesaid mortgage is still outstanding and is
believed to have a balance of approximately $22,000.00.
6. On the same date the plaintiff acquired title to
the premises, the Plaintiff and the Defendant, Millie M.
Ackalusky, and a third party, Deborah J. Henderson, entered
into an agreement dated July 1, 1987 wherein the Plaintiff
agreed to sell the premises to the Plaintiff, the Defendant
and the said Deborah J. Henderson, thereby granting the said
parties equitable title in the property, legal title to pass
upon payment in full of the balance owed on the aforesaid
mortgage.
A true and correct copy of the July 1, 1987
agreement is attached hereto, marked Exhibit "C" and
incorporated by reference.
7. On December 6, 1991, at the request of the said
Deborah J. Henderson, the parties and the said Deborah J.
4
DIANE G. RADCLIFF
ATTORNEY.AT.LAW
SUB TRINnLt ROAn
CAMr J11I-L, PA 17011
.
Henderson entered into a second Agreement dated December 6,
1991, wherein Deborah J. Henderson transferred all of her
interest in the property to the Plaintiff and Defendant,
thereby making them equal equitable owners thereof. A true
and ccrrect copy of said December 6, 1991 agreement is
attached hereto, marked Exhibit "0" and incorporated by
reference.
8. The aforesaid July 1, 1987 Agreement attached as
Exhibit "C" and as modified by the December 6, 1991 Agreement
attached as Exhibit "0" required the Defendant to contribute
equally to the payment of the mortgage on the property and to
pay all of the electric and maintenance and repair bills for
her share of the property outlined therein.
9. The Defendant has failed to make the payments
required by the aforesaid Agreements as described in Paragraph
8 herein and as the result thereof Plaintiff has been required
to make payments on behalf of the Defendant in the total
amount of $10,446.04 as of January 13, 1995, as itemized and
set forth on Exhibit "E" attached hereto and incorporated by
reference.
10. The Defendant has promised to reimburse the
Plaintiff for her expenditures as itemized on Exhibit "E",
incorporated by reference hereto, but has failed and refused
and is believed will in the future continue to fail and refuse
to make said reimbursement.
5
DIANE G. IlADCLIH
ATTORNEY,AT.I,A\\,
!IHI TRINIH.F. RO,\O
CAMP 11I1.1.. rA 17011
11. The plainUff believes she will be required to
continue to make expenditures on behalf of the Dsfendant for
the property until it is sold to preserve the property and the
equity therein including, but not limited to, the mortgage
payments, taxes, insurance, utilities and repairs and claim is
made therefor.
12. The Plaintiff has requested that the Plaintiff and
Defendant sell the property by li~ting it for sale with a
realtor so that she may derive her equity share therein, but
the Defendant has refused and continueD to refuoe to cooperate
with said sale.
COUNT II - PARTITXON
13. The Plaintiff incorporateD by reference the
averments set forth in Paragrapho 1 through 12 of this
Complaint.
14. No other peroon other than the parties to this
action has an intereot or claimo to hove an interest in the
property which is described in Exhibit "I" incorporated by
reference hereto.
15. Only the partieD to thio action ere in possession
of the property deocribed in Exhibit "I", there being no other
tenants or poooeoooro thereof.
16, There haD been no prior partition or division of
the property.
6
DIANE G. I\AIlCI.ItT
ATTORNU'..\T,I.AW
SHI1""INIH,I. "').\1'
CAMr 11I1.1., IIA Ullll
made by her on Dofendant'o boha1f ao of Jonuary 13, 1995,
together with all ouch expendituren made thereafter of
the same or nimilar nature.
(e) awarding Plaintiff reanonable costs including,
but not limited to, court conto and appraisal fees.
(f) for ouch other and further relief as may be
equitable and junto
COUNT II - DECLARATORY RELIEF,
TERMINATION OF AGREEMENT
20, The Plaintiff incorporates by reference the
averments oet forth in Paragraphs 1 - 19 herein.
21, The Defendant haD materially and substantially
breached the July 1, 1907 Agreement attached as Exhibit "C" as
modified by tho Decomber 6, 1991 Agreement attached as Exhibit
"0" by falling to make hor oharo of the payments for mortgage,
taxeD, inourance, utilitieo and re?airn as itemized on Exhibit
"E", incorporated hereto by reference.
22. AD the roou1t of the aforesaid breach the Defendant
has forfeited nIl of her rights under the aforesaid Agreements
and in and to the property described on Exhibit "A" covered
theroby.
23. AD the reeult of the aforesaid forfeiture and
breach, the aforeoaid agreements ohould be terminated and the
Plaintiff declarod to be the 0010 legal and equitable owner of
o
.' .
. .
\IHQooow 0>YtH.um. Ilonowot "'" I.-Jao........, ""'...... rolloww
L ".-a' or Prlad,.J... .._ ~I........ 0u1& s.n..- oIWJ .....pIl, "".hao d..
tM prindpal oland &nlnal Oft 11'1. debl nidmad b, Lb. Noc. and la' pn"pt)mall and 111I charta d\M WMlctlh. NOle.
1. Fud., forTuit u..QIlI'Uce. !ubjulln .ppUubl.lIw or 10 '.""m waiver by LcndCf'. Donowrt wll r.'
to Lender on Ih, dJ)' monlhl, p.armcnl. art due under Ihe NOIt. untillhc Noe. b paid in MI. . '\lm ("Fund., cqUI 10
onc-ltrtlRb oil fl) ,url, tun 'nd aueummu ...hleh mar IIu.ln prioril, 0"''' 1"11 Sccuri1r JnltNmml: €bl )'ratl,
Ic:uchold paymenls or ,round trnl. on 11'1. Propcn,. Ir Inr. (,) )'url, h..urd in'uran" premium.: and (d) ,carl,
mon",llnlllnnet premlum..lh",. TheM lIme u. ullnt "ftCro_lInn.." Le,,,I., mar nlim'l'lb. Fund. due on 11'1,
hub o(,urrml dall .nd rusonablc allmatn Orrul\:r. esctow ltemL
The Fund. ,1'1.11 be held In In Inllhullon lb. drpot.llt or lCCounlt ohl'hkh .,.,Inlurrd or ,uannlccd br' rcderal or
IUI. "'My (Indudln. Ltndcr It Lmdtt I. IlKh In Intlilllllon). LInder sh.lI.ppl, Ih, Fundi 10 pI, 1ft, nero. i1rmL
Lender m., nol chUlt (or holdlnllnd 'rpl}inllht FundI, .n.I,.Inllht Itcuunl or "..ri(,lnllh, eKrow limn, vnldS
Ltnd.., pi}' Dorro.er inlucsl on Iht Fundl.nd 'pplit.bl..l.w pcnnlt. Lender 10 m.h .uch I ch"lt. 8orro....., .nd
Lender m., Ilert in wrillnllh.llnlerul .h.1I be paid on Iht Funds. Unless 1Il Ilrttmenllt m.d. or .ppllc.ble I..
Rqulrcs Inlucsllo be paid, Lmdu th.1l nol be rcqulltd 10 p., Dorrow,r .n, Inluesl or camlnll on Ih. Fund.. Ltndn
ah.llllulo Dorro_er, without charlt..n Innu.l.ctounlinl orlh.. Fundllhowlnl credill .nd d,bill 10 Ih. Fundi .nd Ih.
putJlO'C (or ...hleh e2ch "ebillO Ihe Fundi WIS m.dc. The fundi lit plC\/IN It .ddltlon.l,"uril, (or Iht tumt vcured b,
Ihlt5<<uriIJlnllrumrnl.
1(lhr.mounl o(lh. Fundt hrld b, Lrndtt,lolrlhtt ...lIh the fulure monlhl)' parmrnl. of Fund. p.,.bl.. prior 10
Iht due d.ln oflhe nerow ltemlosh.lI Clcrtd Ihr .mount rrqubtd 10 pa, Ih. nerow Item. whrn du.,lh. uentlh211 be,
It Derrowu's opllon, tilh..r promptl)' rtpald 10 Oonow"or crrdilrd 10 Dorrower on monlhlJ p'rm..nlt or Funds. Itlh.
.mounl or Ih. fundt hdd b)' Lend.., It nOltutlklenllo pa, the ClCrow i1ems..h,,, due, Dorrower shall pa, 10 Lender .n,
'mounl n<<CUI" 10 m.ke up Ihe ddlclencJ In on..or mon p.,menU It rrqulred b, Lender,
Ul"n r..,ment In (ull Drill tums ,"ured bYlhlt SteurilJ Inslrumenl, L..nder shall prompllJ refund 10 Borrower
.ny Funds he d b, Lmder.ltunder I'2rlluph 191he Prorenl II K1W or ac:qulled bJ Lender, Lender Ih.II'flr'" AG laler
Ihan ImmaUatrll prlGr 10 Ihe L1le orlhe PlopenJ or III acqultillon bJ Lendrr, .ny Funds hrld bl Lender Illh'llme of
.ppllc'llon "' crrdil'llliut Ihe SUml ,"urN b, Ihit SU'uril,ln"rumenl.
3. Appllntloll at r.)'mellls. Unlcu .pplicabl. taw pro~ldn olhe"..I.,..1I p')'menla recclnd by Lmder under
pltllraphsl.nd Z shill be 'rr,IlNllln.,10 lale charles due under Ih. NOle; ICCOnd.IO preparment ch.rln due under Ih.
NOIe; Ihlrd,lo.mounlt pI)'ab e under patlltlph Zi rounh,lo Inlernl due; .nd IUI.lo principal due.
4. CIlerlClj Ucn.. Dorrower sh.1.11 pa, .11 1.1n. 'un'menU, cherln. linn .nd Impositions .lIribul.bl. 10 Ih.
PropertJ ..hleh may 'lIaln prioril, onr Ihll Securil, Insllllmenl, .nd luuhold pt)'mcnla or Iround renll, It .n"
Oorrower sh.1I 1'" IhCle obll,.lIontln Ihe m'nner provldtd In p.r'ltlph Z. or It nol f,'id In Ih.t m.nner, Borrower shall
plJ Ihem on time dlrrcllJ 10 Ihe pct'lOn owed parmrnl. Donner sh.1I pramI'll, rum th 10 Lender.1I nollcn o( .moun"
10 be plld undrr Ihis paraltlph. It Oorro'!",r makcs IhtiC pa)'menU dlr<<II)', Dorrowrr Ih.1I promptly furnish 10 Lc:nder
rccrlpllcvldenclnllh.pa)'menlt. ,
Borrower shall promptl, dll(harl..n)' lien _hlch hit prloril, over Ihls 5<<urilJ Inllrumenl vnllU Darrowen (I)
Ilrta In wrilln,lo Iht p.,menl orlht oblllallon ucured b, Ihe lien In. manner ,<<rpl.bl.IO Lcndelj (b)conlnllln load
(.llh lh. lien b" or defends 11.lnsl m(orumml o( Ih.lirn In.lt,.1 proc;ctdlnll ..hleh In Ihe Lend..,'s opinion oper'le 10
prevent the enrorcemenl arlh. lien or rorl'cilUrt 0(11'I1 pan orlht Propen'i ot (c) ICCUrts (rom Iht holderoflht lien.n
'IrC'Cmenl ulh(~ClOry 10 under tubordlnlllnl Ih. lien 10 Ihlt Sccuril)' Inlllllmenl. Ir Lenloler delennlncs Ihal .nJ pltl of
Ih. Propen,ll subJ<<IIO . lien ...hlch maJ .uain prioril, orrr Ihi. ~uril)' InllNmcnt, Lender m., live Dorrowrr.
nOllce Idrnlir,lnllhe lien. Dorrower Ihalla.alilr)' Ihe lien or I.ke one or morc o(lhe ICIIonlNI (onh .bore wilhin 10 d.,t
O(lh'llvlnlo(nolke. . . .
S. llaurd In.ur.nce. Dairower Ihall hep tht lmproycmenll now ulatln, or hertlner erected on Ihe Proprn1
Inlured '1J.lnulou b, ftr., h'urdllnc:ludDJ wlihln the lem."ulrndrd covcule" .nd .n, olhrr h.urdl (or which Lender
requires Insurance. Thll Inlurance th.1I be m.lnlalnrd In Ihe 'mGun" .nd rot Ihe prriodl Ihal Lender requires. The
Inlurance carrier prorldlnllhe IlUurlnee thall be choscn b, Borrower subject 10 Lender', Ipproral ...hleh shall nOI be
unru.aonabl,..lIhhcld.
Alllnlunnee pollclcs.nd Rntwah th.1I be .ccepl.bl. 10 lAnder .nd Ih.lllnclude . "andard monl~I' e1,UIt.
Lc:ndrr Iho1l1 hart Ih. rifhllo hol~ the pollcln .nd renewalL ltLc:ndrr rcqulrn. borrower shall prompllJ lire 10 Lc:nder
.11 recclpll or~ld prem ums.nd renew.l notlen.ln Ihe etent or Iou. borro_rr shill ,Ire prompl nolice 10 ItIt Insurance
Clrrirr Ind Lender. lAniJ.r mil make proof orlou Irnol m.de prompllJ b, Dono..cr. .
Unlcu LeniJer .nll borrower olhenrlse 'Irre In ...rilin,.lnturance proems shall be applied 10 ,esloullon or npllr
o1lhe PtClpC'ny d.m'IC'd,lf Ihe realonllon at upllr it KonomlcallJ ru.tible .nd Lender'slCCuritJ II nolIcucnC'd.It Ih.
tc:IlOnllon or repair it nol uonomlclllly rwlble or Lender's ,"urilJ "ould be lealtntd, ahe Intunn.;e proc;etds shall be
.pplled 10 Ihe sumSNCured b)' Ihls Securill Inlll'\lmcnl, ...helher or nollhen dut. with 'nJ UCISI palll 10 Dollo'lur.1t
Borrower ,bandon'lbe Proprn" Dr doa nol.nlwer "ilhln JOd.,.. nollce rrom under Ihallh.lnlurance carrier hu
otrend 10 Itnlt I culm.lhrn Lender mil collecllh. Inlunne. procctd.. Lender may Ute Ihe proteedllo rrpalr or rnlote
Ihe Propcn)' at 10 pa, suml ,"ured by thlt SecuritJ Inllnlmenl, ..hether Ot nOllhen.due. The )O.d., prriod will belln
..hen Ih. notice ISllren.
Unlnl Lender .nd DOllo,,"er olhe"..lte 'IrKln ....rllInl. ,n, .pplicadon ofpro.:rtdllo princlp.llhall not ulend or
poIlpon. Ihe dued'I' o(lh. monlhl, p.,mtnll urmcd 10 In pmlrllphl' and Z or chanle Ihe Imount otlhe pl,menlL It
under pltalnph 19 Ih. Propen, It IcqulrClt b, Lender, Darrower's tilhllo ,n,lnlurance pollcla.nd pro.:eNI rcsultlnl
(rom damale 10 Ih. Propert)' prior 10 Ihe acquilltlon shall 1'11I to Lender 10 Ihe ulenl orlhc lumSNCurrd bJ Ihlt SecurilJ
Inllrumenllmmrdialel, priur 10 Ihe .equllitlon. ,
t, Prelen.llon ",d M.IAI,n.nce ot rropertn l.ultllold.. Dorrcnur Ihlll nol deslro)', damll' or subalanlully
eh,nl'lhe Propera" .1I0w Ihe PropertJ 10 dCleriorlle or commit wulc.l(thh SecurilJ Inlll'\lmenlll On. kalthold,
Darrow" shall comply ..ltb Ih. prothlonl orlhe Iute..nd i(Dono." lequlrn (tc 1111.10 Ih. PropenJ,lhe ltuchold Ind
fft lide Ihall nol merl' unleu Lendn alrees 10 Ihe mUlct In ..rillnl. .
" Prolcrllon o( Ltnder', RllhlJ h, Ihe Propert)! Monl'le (uurantt. If Dorrowet (aih 10 pcrl'onn Iht
toren.nll'nd IltC'Cmentl conlllnrd In Ihll Securit, Inul'Ilmenl, or thuc It alelal pro.:MJinllh'1 m.)' tllnllinnll, .rrect
Lender', rilhll n Ih. 'roptn, (aU(h u . procerdlnlln banlrvplc" probale. (or condemn.tlon Ot 10 .n(orcela..s or
"Iuudonl), Ihen Lender ma, do and pa, ror whalcrer II n<<nut}' 10 prolecllh. waluc o(lhc 'roprn, .nd Lender's rilhl.
'In Ihe 'ropcn,.l.tndr,'llCtlonl ma, Include parlnl 'n, luml wcurcd b, .1Ien.which hat priorill orer Ihll Sccuril,
Inlll'llmenl, .ppurinlln rourt, raylnl reuonable IJl0me)'s' (m .nd .nletinl On Ihe Propen)' to mlh rrpaln. Allhoul"
Lendrt m., I.h aclion under IhlS pan'tlph 7, Lender dun nol hare 10 do 10.
An, amounll dhbuncd b, Lender under Ihll panlrap" 71hall become additlon.1 debl ofDorrolll'tr KCurrd b11hla
Sa:urill Inurumrlll. Unlns Oorrow,r and Ltnder 'lree 10 olher lenns or parmrnl,lhnc .moun" shall bur lnlclnl (,om
lh. dalt or dilbun.cmenlll Ihe Nol. tile Ind thall be parablr, wllh Inlrrnl, uran nOli" r.om Lender 10 Dorrower
rrquadnlparmenl.
1001 b 73 lIt( 5,\
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\
rr Lrndrt nqulr~ monl'" In.uranu .. . candillo" of mal/n'thr lo'n vcurtd by IhI, Securil, fnllrumme.
Dom_" ,hll rt, the premium. rrqulrtd 10 mllntaln Ihelnlurantr In lIT"' unlil,uch tlm. '1lhe rrqulrmCftI (0' lhe
InluunCllrnnln,ln in ICCtlnl.1ncc.hh Onrmf;rr', and Ltndu'. _rillrn '.,remml or .rrliubl, I..,
I, Intprrlloll., Lmdrr or II. 'Icnl may mal. rc:1I0n3blr rnl,ln oron and InlrtCllont oflh, Property. lendtf
Ih.lIll~t Dorrowft nOlkr'l the 'imeat 0' (lnorla an IntptCllon 'pttir)'ln. f'USOn,blr (IUk fot lh. In.peellon.
f. Condemnallon. The rro.:rcdt of .n, award 0' claim ro, dam'ln. dlrrcl 0' conuqurnll.I. In tonntcllon wilh
Iny condemnation or olhrr IIllftl of Iny pin of the ProrM7. 0' (0' ronnYlnc, I.. liru 01 condrmn.llon. Irt herrb,
wl,ned .nd Ih.1I be ~Id 10 lrfl"er.
In Ihe "'enl of. 101111lkinl oflh, Pro{'trt1. Ihe procrnb Ih.1I be .pplled 10 Ihe lum, IKured b, IhI, S<<uril,
'"Ilnunel1l. whrlher or nOllhr.. due. wilh In, lice" p.I" to Darrower.ln Ihe "'enl 01. p.nl"I.Unl ollh. Property,
unle" Dorrower .nd I..fndcrolhrrwile .,ree In wrilln',lheIUm'Itl:UrN b, Ihit SKuril, 'nUflImrnllh.1I be rrduced b,
Ihe 'mounl olth, proc:erds mulllrlird b, Ihe lollowinllracllonl f.) Ih. lalll,mounl Ollh'lum'tmlred Immrdl.,tl,
belore Ihe taUn" dit"lded b, (b) Ihe (.1, multi "Iue o( the Proprn1Immrdl.lrl, before Ih.ltkln.. An, b.l.ncc ,1a.1I be
plldloDarrower,. ,
It Ih. Proren, .. .b.ndonrd b, Dorrower, or If. ,nn nodc. b, lender 10 Dorrow" Ih.llh. tond~mnor oft'en 10
m,h.n ,w.rd or Stille I c1.lm (or d.m:ltn. DOlTOwer f.llllo rnrand 10 Lendu wllhl.. JOd.,. .ncr Ih, dale Ih. nodc. II
ainn, Lender JI lulhorirrd 10 COllcellnll 'NII, the procttd.. '111. oJlllon, ellher 10 tnloratlon or rtp.lr oIlh. Propt", or
10 Ihe lumllmued b, Ihis SttUnl, Inllfllmenl, whelheror "Ollhen due. .
Unlnl !.mdrr .nd Dorrower olher.",". ',ree I.. ..rilln" .n, .ppl:Clllon olprocrcdslo princlpallh,lI not ultnd or
pos'pon'lh. due d"t oflhe monlhly pll)'mrnll reftrred 10 In p.1raCDphll.nd J ar ,hanlt Iht .mounl aflueh p',mtnIL
10. Domn,., Nol ntle:":!1 ForL:r:r.cnn 0, Ltdrr Not. Wa'u" E.lenllon al Ih. 11m. (or fl.,ment or
modl~Clllon 01 .monlutlon of lhe lum, StturN b, Ihll Sceuril, Inlllllmrnllr.nlrd by Len"er 10 .n, lue:a~r In
Inlttnl al Dono...er Ihan nOI opttat. 10 rtlme Ihe llabllil, orlh.ariC1nal Dam...rror Dorrow"'llvecn~n In Inleral.
Lt'Ildtt Ihall not be required 10 commentc rf'O(rrdln,1 ,c,lnl' .n, ,ucenlor In Inlernl or "rule 10 .lIend tlm. for
p.,mtnt orothr"..l., modily .manlullon orrhe lumllteurrd b, Ihil Steuril, InUIlImcnl b)' rulOn ola",drm.nd m.d.
b, Iheori,lnll DJtfowtr or Dorra...,,"lucenlon In Inltrru. An)' forbe.rance by lender In tlettllinl.ny ",ht or remed,
Ih,ll nol be. w"lt"erol at rreclude the lIerclnolln)' ri,hl ar rrmtd)'. .
JI, SUctttlDn .nd AI"::"I1 DOlln1f1 Joln'.~~ Seunl U:~n:rn CO.Ii:,:en, The rann"nlllnd 'crem"'ll at
Ihll murh, Inllf\imtnllhlll bind Ind bentftllhe aucenlon .nd .ul:nl olLtnd" .nd Darro...er, lubjt'Clla Ihe r,rot"llion.
olpm,nrh 17. Dtlrro"''''1 conn.nllllnd .crttmtnlllhllll brjolnl.nd lneDI. An, Dorlll..."..haco-li,nllh 1 Stalnl1
In"lllmenl bUI dotl IIol,IKule Iht Nair: CI) II ca.alenln'lhll Sralnl, 'nuNmenl onl, to monlllc,lnnl.nd tonn,.
Ihal Darro",e,.,lnlttnlln Ihc Propen)' under Ihe lennl a(lhIISfCUril, Inllfllmenl: lb) It nOI pcnon.U, obU,lled 10 pa)'
Ih. lumllttured b)' Ihll Stturil, Inlllllmenl; 'nd (c) .cren Ih.1 Lender .nd an, 01 her Darrower ma, 'I,re 10 Cllend,
modif" fortlnr or m.... 'ny ICeommod.llonl...ilh rrlud 10 Iht lennl ollhit Scruril)' InuIlImen! or Ih. NOle .lthoul
th.IDarrower'ICOn,tnl. ,
IL Loan Chlre". IIlhe Iou SttllrN b, IhI, $rturil1 InUIlImenl II lubJte' 10 .1.. .hlch U11 m..lmum lo.n
d"r," .nd fh.1 I.w II linIn, Inlefl'ftltd 10 Ih.t Ihe Inltrnl or olh" loan char,", collceled or 10 bt callceled In
connn;lIon ,"Ih Ihe wn ucrtd Iht permlurd Ilmh.. thnt! f.) .n, lueh lo:ln chlt,e Ih,lI be reduced b, lhe .mounl
nt'Cnltty 10 redutclht ch:r,t 10 Ihe ",onllled limit; .nd (h) .n, luml.lrtad, tollceled Irom Dorro...er ..hleh .ltttded
pennlued IimJl1 will be refunded 10 Dano...er. ltnder m., ,hncue 10 malt Ihll ,,'und b, trducln,lh. flrinclp.1 o...ed
under Ihe NOlt ar b, m.kin.. dlrrtl p',menllo norrower.ll. rerund reduct'l rrinclp.sl, Ihe rnluellon trill be Italt'd at.
panlll prt('Armenl withoul an, rtfr.,men, char,. under Ihe NOlt.
U, LrChllUon AfTcclln. lenJtr', nl,~ls. If "'''Imenl or "r,lradon of 'rr"cabl. la... h.. Iht drrtl at
rrndtrinl .n, prot"hlon oflh, Nol. or Ihll $fCUril)"nllrumml unenlotCQb e secordlnl In IIllrnn.. Under. II III Clpllon.
m., requlr. Immnllalt p.,menlln lull of .lIluml kCurtd b, Ihll Stturil, InuflImenl and m., Inyo'" .n, rrmrdlr:tl
",nnlllN b, pm,raph 19. II wnder "ttclln lhil option, Lender Ih.IlI'.. Ihe Ilept trrcllltd In Ih'lm)nd Fml"ph at
p.tI,nph 17.
14. NoUns. An, nOllce 10 Dorrower rrot"ldtd for In Ihll StcllrilylnuflImmllhlU be Ilt"tn b, drllyrrin,ll or by
mlllln,lt b, Ilnt clSII m.sil unlm 'pplJcablt la. requlra Ule 01 .nalher mtlhod. The noli" Ih.1I be dlrceled lolh.
Praren)' Add,nt or In, olh" 'ddral Dorro...." dn/cnaltS b, nOller 10 Lender. An, nOllre 10 Lender Ih.1I be linn b,
IInl da" m.illo Lrndtt'l.d,Jrnl',IlN h"r1n or .n, olher .ddrnl under dnlcnlln b)' nol/Cllo Dorrower. An, nollc.
r.royldni lor In Ihl, Sccurh,lnUNmt1ll,h.1I be drrmfIJ 10 hne been ,It"en 10 bomweror Lender ...hen Ilt"tn II prot"lded
nlhllpan,tlph.
IS. COtlmln, Lawr 5,,,,.1111I1,, ThllSteuril1 In'lrumenllh'lI be ,onrnrd b, foJerallaw ,nd Ih, I.. ollh.
juriktlClion In ...hlch Ihe Prorc", II IOUled.'n Ihe eunllh".n, proYillan or dlulC ollhil Steuril)' Inlllllmenl or Ih.
tlole eonlllcll...llh .rrlicable I.w, luch tonftiellhlll not .lI"ttt olhtr prot"ltlonl ortM, S<<urll, InllNmtnl or Ih. NOI.
..hleh rln be ,Iyrn elf'ttl...lthrun Ihe canllielln, pro~hlon. TOlhls tnd Ihr pra~blonl ollhlt Sealril, In,lflImtnl.nd Ih.
NOlt.ft dcelarnllo be Irvetlblc. .
U, 00"0_"" CopY. Darro...rr Ih.1l be II~tn ant ranlannt'deor,allh. NOle 'nd oflllll SttUril11nlllllmrnl.
n, Tnnllft 01 lh. rro~ert, or . Drntndallnlttnl 'n DorrOlllt, If.1I or .n1 fl.n of Ih. Proprrll or .nl
Inlernlln It 1Ilnld ar Innlferred (ar If I brnenclallnlttnt in Dorra"'tr Illold Of tnnlrrned 'nd borrowu" nal. allural
prnonr.llhoUI undtt', pnor _riUen conltnl. Lender m.,. II hi apllan, require Im,"oJlal. p'a,mrnlln rull Or.llluml
IttUrrd b, Ih" SKUril, InllNmenl. lIo_ner, Ihll oplian Ihlll nOI be ucretled b, Lender " uerel" II prahiblled b,
(ederall... lIoflhe dll. otlhll muril)' 'nIINmenl.
If Lendtr IItttllt1lhl. opllon, Lender .h.II,ln DOITO..er nOlke ol.mlttallon. The nollce 1';.11 proyfdl' rrriod
otnollru Ih.n JO d',1 Imm Ih, d.l.lh. nollct II drli,tfrd ar mlllrd "'lIhln ..hieh borrow" mUll pa, III 'uml'trund b,
Ihh Steuril, Inllrumenl. If Dorm...er f.1I110 p., Ihne luml prlnr In Ihe uplnllon all his period. Lender m., ""'A.. .n,
rcmrdln ""nn'"t'd b)'lhll SrtUril, InUIlImtnlwllhout lunher nollct or dem~nd on Dorrower.
II. DIIlTo.,,', R1C~1 In nelan.,.. II Dorrowlt metll <<naln randirlnn.. Dorro...rr Ihl" "lYe Ih, ri,ht 10 hn.
rnlornmtnl ollhlsSeturil, Inllnlmenl diKonllnuN 'I.n, lime prio, 10 Ihe c.srll" Orj (0) , da,. (or luch olher period II
.ppllc:able Ilw m., Ipreil, for rrlnUllrrntnl) before life o( Ihe 1'"'1""' punu'nl to 'n)' JXl.." 01 pI, c:onlllned In Ihl,
Sm.II,I)' 'nUlllmenl; or (h) en It')' 01 'lutlcmrnl enforcln'lhll S<<uril, 'nllfllment. Tholl condirlonl.rr Ih.1 Porrowen
(.) ""Ilendtr Illluml ...hleh Ihen lrCluld be due un"er Ihis Smlnl, InUllImrnl Ind Ihe NOI. had no .<<rlrratlOfl
omIrrrd; Cb) curn .n, drl.lull 01 .n)' olher tot"enanll or .crttmrnlt: fc) p." In "rcnscs Incurred In mlardnllhll
Stalril, 'nullImenl,lneludln" but nOlllmilrd 10, rn..,n.blr allome'I' 1<<1; .nll fd) laka luch action II Lender m.,
mson.bl, etqui" 10 lUur. Ihl'1h. Uen of Ihlt SrtUril11n'l1llmenl, lendu', rilhl.ln Ih, Proper1)' .nd Porro..rr',
obl/'lllon 10 pt, Iht lum, secured b, Ihll Steuril, InuflImenl ,h.1I conllnu. uneh.n,rd. Upon rdnlllltmau b,
8oml..n,lhla SrcurilYlnllfllmrnt and Ih, obli,lllonlltturcd hmb, ,hill remain rull)' rlrtrtl" u 11"0 aa:dmlloft kid
OCC'\ltrcd.llowncr,lhu r1,hllo mnslll. wlI hOl'prl, In Ihe calC oIaculmUon under plt'lrnpllt 13 or 17.
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AtUchunt to kAnfIE J. ACkALUSXY aOl't9&9'
d..crlb.d In locord.nc. with. lurVe)' by John P. Willi..., Rlql.t.r.d
Burvlyor, dat.d S.pt.mb.r 29, 1903.
~ .
BErNa th .... pumi... whlch Ronald L. "Il..y And Sun" t. nah.y,
hh vU., conY'fld unto tcaWe J. Ackl1uaky, 11nqh VDlun, Hortql9or.
h,r.ln, by d..d intend.d to b. r.cord.d li.ultan.ou.ly h,r.with.
Al.a b.lnv the .... prl.i... whLch Commonw.alth Nltlonll alnk by
It. d,.d dat.d r.brulry 23. 1983 and r'cord.d In Dlld look -a-,
Volume 30 It PIV' 108, conv.y.d unto ~on.ld L. H.l..y and IUI.n
t. H.l..y, hi. vlf..
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, .,..,. J 1_. ,'. '" .!'..t"J In 11'11 ,li,e" rfl' Ihlt 'It:nrdl/ln of CC'Ids
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(b) Buyers shall be responsible for maintenance
to the inside of the house, garage and unfinished
apartment; Seller shall be responsible for
maintenance to the inside of the finished
apartment;
(c) Buyers shall be responsible for repairs
to major appliances in the house and unfinished
"
apartment; Seller shall be responsible for
repairs to major appliances in the ~finisht2~
~~\.S'f) 7-1-67
/6f- 7 -/-r7
Seller and Buyers shall establish a common checking
apartment.
'I
account out of which all bills for joint obligations relating
.. to the property shall be made.
,;
6. All parties hereto shall have parking privi1~ges
in the. garage. Buyers shall also be able to utilize the garage
for work space and an office area.
7. Realty transfer taxes will be borne in equal shares
by the parties upon final settlement.
8. Each party hereto shall maintain $100,000.00 of
,. life insurance until such time as final settlement occurs. The
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I: existing beneficiaries on said policies shall not be changed
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without the written prior consent of all parties hereto.
9.
This Agreement shall not be assigned without the
prior written consent of Seller.
-3-
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10. This Agreement represents the entire agreement
between the parties and there are no written or oral under-
standings, representations or covenants other than as contained
herein. This Agreement supercedes the written Lease between
,I Seller and Buyer Millie M. Ackalusky dated April 24, 1987 and
11
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all parties thereto are relieved of any and all performance
thereunder.
i! 11. This Agreement shall bind the parties hereto, their
'I
I, heirs, executors and administrators.
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IN WITNESS WHEREOF, the parties hereto have hereunto
"
I. set their hands and seals, the day and year first above written.
i'
i: Witnessed By: '-
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. _tR-,(.o /\~f'-.Yf-'--'
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W~,A. 1)/ h~~'~_./
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(SEAL) ,
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"GREEMENT
THIS AGREEMENT is made this
,
'I?
day of p1Jfl~
1991, by and between KATHIE J. ACRALUSKY, hereinafter called
seller, and DEBORAH J. HENDERSON and HIL H. ACRALUSKY,
hereinafter called Buyers.
WITNESSETH:
WHEREAS, the parties hereto entered into an Agreement of
Sale dated July 1, 19S7, for the purchase of the premises now
known and numbered as 909-911 Goodyear Road, Gardners, Cumberland
county, Pennsylvania, under the terms and conditions provided
therein; and
WHEREAS, Buyer Deborah J. Henderson desire~ to cancel her
obligations under said agreement and surrender whatever equitable
i~terest she may have to the remaining two parties.
NOW THEREFORE, for the mutual promises and covenants
contained herein, and for other good and valuable considerat~on,'
it is hereby,agreed as follows:
1. Deborah J. Henderson is hereby released of all
obligations arising under or because of the afore-referenced
,
.
Agreement of Sale, and she ,is not responsible for any outstanding
debts, liens or other encumbrances aftecting said premises.
2. Deborah J+~Henderson hereby surrenders and conveys her
entire equitable interes~, if any, in the above-referenced
premises to Kathie J. Acka1usky and Mil M. Acka1usky, and she
agrees to execute any and all necessary documents, such as a
quit-claim deed, required in the future to accomplish this
, ,
cc:nveyance.
EXHIBIT
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3. Buyer Mil M. Ackalusky hereby assumes and retains all
ri9hts and ob1i9ations of Deborah J. Henderson under the
A9reement of Sale, and Kathie J. Acka1usky and Mil M. Ackalusky
a9ree to remain bound by the terms and conditions of that
A9reement.
4. This Agreement shall be bindin9 upon the parties' heirs,
executors, administrators and assi9ns.
IN WITNESS WHEREOF, the parties hereto, intendin9 to be
legally bound, have hereunto set their hands and soa1s the day
and year first above written.
WITNESS:
P p~r.l /5/l1;'Ahj
~$ fJ: ~L~&-
, Ka hie J. PAcka1usky ,::9
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Mil M. Acka1usky , ;I
. . ~:~"... ..~ -..-. ..'. ..
.. . . .
, . . .
KATHIE J. ACKALUSKY
PLAINTIFF
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
VB.
HILLIE L. ACKALUSKY
DEFENDANT
CIVIL ACTION - EQUITY
DEFENDANT'S SHARE OWED TO PLAINTIFF:
Mortgage
Homeowner's Ins.
Met Ed
Trash
Misc.
$ 7,414.95
$ 849.50
$ 1,200.00
$ 290.94
$ 690.65
TOTAL
$10,446.04
EXHIBIT
l ~
KATHIE J. ACKALUSKY,
PLAINTIFF
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 95-1808 EQUITY TERM
CIVIL ACTION - EQUITY
v.
MILLIE M. ACKALUSKY,
DEFENDANT
CERTIFICATE OF SERVICE
I hereby certify that a true and correct copy of the
Complaint has been served upon the Defendant, HILLIE M.
ACKALUSKY, by process server on the 16th day of May, 1995.
The affidavit of service is attached hereto as Exhibit "A" and
made a part hereof.
Respectfully submitted,
'\2 ~-
RAD , ESQUIR
dle Roaa
, PA 17011
-0100
for Plaintiff
'DIANE G. RADCLIFF
ATTORNEY.AT.LAW
S..8 TRINlJl.t ROAn
CAMP lilLI., PA 17011
tvo-Zu', ~ ~d ~: ,S'-,s- 9r"'"e; <?,'35~ fJiY\
s: 4> ~ 9s.... @ .3 :S"o (.Jty\.
b=- ~ - 1s~ @ 7:.30 (J /II...
..J-../~ /tl.<--e.t...i.v 11C/Q..~ D-/ ~ ()?-LJ $=1,,-1S"
@ 7,'fT!) (J/Yl. 'YY)o, ,L)U<.~~;zo ~ ~
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KATHIE J. ACKALUSKY,
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff
v.
NO: 95.1808 (EaUITY TERM)
CIVIL ACTION. EaUITY
MILLIE M. ACKALUSKY,
Defendant
eJMECIPE FOR ENTRY OF APPEABANQE
TO THE PROTHONOTARY:
Kindly enter my appearance In the above.captloned divorce action on behalf of MIllie M.
ACkalusky, Defendant.
FLOWER, MORGENTHAL, FLOWER & LINDSAY
Attorneys for Defendant
Dated:
~ !.Lil11 ~
By: ~l.. /h tl) )'l1J}-
oger M. Morgentnal, Esquire
10 # 17143
11 East High Street
Carlisle, PA 17013
(717) 243.5513
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KATHIE J. ACKALUSKY,
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff
v.
NO: 95.1808 (EQUITY TERM)
CIVil ACTION. EQUITY
MILLIE M. ACKALUSKY,
Defendant
OR12ER OF COURT
AND NOW, the ~ day of ---D\.I.h.L
, 1995, a Rule Is granted to
show cause why a guardian ad litem should not be appointed for Millie M. ACkaluskr, Defendant
In the above action.
All proceedings are stayed until final disposition of the within petition tiled by Roger M.
Morgenthal, attorney for Millie M. Ackalusky, to appoint a guardian ad litem for her on the basis
that she is an Incapacitated person.
Rule returnable and to be heard on the _ )00,::- day of (hl..'!JN.v ,-t
at .j:ctJ I', '11. ..- ;;
199~\ln Courtroom No. :> , Cumberland County Courthouse, Carlisle, Pennsylvania.
Petitioner shall forward a certified copy of this order and the attached petition to Diane G.
Radcliff, Esquire, attorney for Plaintiff.
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KATHIE J. ACKALUSKY,
PlaIntiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO: 95-1808 (EQUITY TERM)
CIVIL ACTION. EQUITY
v.
MILLIE M. ACKALUSKY,
Defendant
PETITION FOR THE APPOINTMENT OF A
!lJJARDIAJLgD. LITEM FORAN INCAl!IJQlIAIED PE.BSON
TO THE JUDGES OF YOUR HONORABLE COURT:
ThIs petition respectfully represents:
1. Petitioner Is Roger M. Morgenthal, Esquire, 11 East High Street, Carlisle, PA 17013,
the pro bono attorney for Millie M. Ackalusky, who Is the Defendant in the above-captioned action.
2. The Petitioner has accepted representation of the Defendant on a volunteer referral
from Legal Services, Inc., received June 13, 1995; and although Petitioner has had the opportunity
to speak with the client by telephone, he has been unable to meet with her personally due to her
Inability to discuss detalis of the case due to emotional conditions.
3. The client, Millie M. Ackalusky, for reasons set forth in detail below, failed to take
appropriate action In response to the pending Complaint, and default Judgment has been
threatened against her. Said default Judgment may be taken on Monday, June 19, 1995 unless
the prayer of thIs petition Is granted or unless Plaintiff's counsel voluntarily agrees to extend said
time.
4. As set forth in the Complaint filed agaInst the client, a copy of which is attached
hereto as Exhibit "A" (without Its exhibits attached), action Is being taken against the client as a
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result of her alleged default on a real estate agreement of sale for a property where she, as well
as the Plaintiff, her sister, resides In Cumberland County,
5. Petitioner has been Informed by Plaintiff's counsel that a separate action In mortgage
foreclosure against the parties' residence Is pending, although Petitioner was unable to locate any
mortgage foreclosure action In the prothonotary's computer Index,
6. Petitioner has been Informed by the client's caseworkers at the Stevens Center,
Carlisle, Pennsylvania, that she suffers from two mental disorders which render her Incapable of
taking responsible action on her own behalf or, In all likelihood, assisting Petitioner In her
representation. Said mental disorders are known as "dissociative disorder" and "post-traumatic
stress disorder," Copies of the diagnostic criteria for each of these disorders, copied from the
Dlagnostical and Statistical Manuallll-R are attached hereto as Exhibit "B".
7. No guardian has yet been appointed for MIllie M. Ackalusky, and to Petitioner's
knowledge, there are no pending actions requesting such an appointment.
8. As a result of the aforesaid mental disorders, MIllie M. Ackalusky not only failed to
respond promptiy or appropriately to the Complaint seNed upon her until she had nearly forfeited
her rights In the dispute; and while Petitioner believes that a negotiated settlement of the
controversy may be In the best Interest of the client, petitioner does not consider that the client will
be competent to consent to any such agreement nor to give him authority, absent court
appointment of a guardian ad litem, to negotiate a settlement.
9. During Petitioner's telephone conversation with the client on June 16, 1995, she gave
clear evidence of the emotional problems which are present. Specifically, she Indicated that she
needed to hear petitioner's voice to see If she would be comfortable working with him; that certain
1
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words Including her own name of MIllie were "trigger words' which upset her greatly, because they
evoke memories of severe abuse which she has suffered. Additionally she gave other Indications
that depending upon her mood and state of mind at a given tIme, she Is often unable to confront
and discuss Issues, such condition being the primary symptom of her dissociative disorder.
10. Petitioner Is not at this time suggesting any specific person to be the guardIan ad
lIiem. The person selected, based on the Information received from client's therapist, will have to
be someone, most probably a female, whom the client will perceive as compatible and non.
triggering.
WHEREFORE, Petitioner prays that the Court will grant a Rule upon PlaIntiff to show cause
why a guardian ad litem should not be appointed for Millie M. Ackalusky, Defendant In the above.
action; that the court stay all proceedings until final disposition of thIs petition for appointment of
a guardian ad litem for Millie M. Ackalusky has occurred; and that the court schedule a hearing
at which testimony may be received relative to the mental capacity of Millie M. Ackalusky; and after
such hearing, that the court appoint a guardian ad litem.
Respectfully submItted,
FLOWER, MORGENTHAL, FLOWER & LINDSAY
Attorneys for Defendant
Dated: June 19, 1995
By: /f1)fl1 ~A~ Il--
Roger M. Morgent ai, EsquIre
10 # 17143
11 East High Street
Carlisle, PA 17013
(717) 243.5513
3
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YERIFICA TlON
The undersigned, Roger M. Morgenthal, Esquire, avers that the facts set forth In the
foregoing Petition for the Appointment of a Guardian Ad Utem for an Incapacitated Person, based
upon Information and belief, were developed from conversations with Defendant and Information
gained In the Investigation of this file, and this Verification Is made for the reason that Defendant
Is outside of the Jurisdiction of the Court, and that her Verification could not be obtained within the
time allowed for the filing of this pleading, and this Verification Is made subject to the penalties of
18 Pa. C.S. ~4904, relating to unsworn falsification to authorities.
FLOWER, MORGENTHAL, FLOWER & UNOSAY
Attorneys for Defendant
Dated: June 19, 1995
By: --- /,CIA I}lll/} n\ Il---
, Roger M: Morgerrthal, Esquire
ID # 17143
11 East High Street
Carlisle, Pennsylvania 17013
(717) 243.5513
6
NOT I C I A
Le han 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 a1 partir de
la fenca de la demanda y la notificacion. Usted debe
presentar una apariencia escrita 0 en persona or por abogado
y archivar en 1a corte en forma escrita sus defensas 0 sus
objeciones alas demandas en contra de su persona. Sea
avisado que si usted no se defiende, la corte tomara medidas
y puede cntrar una orden contra usted sin previo aviso 0
notificacion y por cualquier queja 0 alivio que es pedido en
la peticion de demanda. Usted puede perder dinero 0 sus
propiedades 0 ostros derechos importantes para usted.
LLEVE ESTA DEMANDA A UN ABODAGO IMMEDIATAMENTE. 51 NO
TIENE ABOGADO 0 SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL
SERVICIO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA
CUYA DlRECCION SE ENCUENTRA ESCRITA ABAJA PARA AVERIGUAR DONDE
SE PUEDE CONSEGUIR ASISTENCIA LEGAL.
COURT ADMINISTRATOR
CUMBERLAND COUNTY COURTHOUSE
1 COURTHOUSE SQUARE
CARLISLE, PA 17013
(717) 240-6200
~ ,
DIANE G. RADCLIFF
ATTORNEY.AT.LAW
SHlI TRISULE ROAD
C.Ufr 1111.1.. rA 17011
2
KATHIE J. ACKALUSKY, IN THE COURT OF COMMON PLEAS OF
PLAINTIFF : CUMBERLAND COUNTY, PENNSYLVANIA
vs. : NO.
.
.
MILLIE M. ACKALUSKY, CIVIL ACTION - EQUITY
DEFENDANT :
COMPLAINT
AND NOW, this Lo~ day of April, 1995, comes the
plaintiff, Kathie J. Ackalusky, by her attorney, DIANE G.
RADCLIFF, ESQUIRE, and files this Complaint against the
Defendant, Millie M. Ackalusky, whereof the following is a
statement:
1. The Plaintiff is Kathie J. Ackalusky, an adult
individual residing at 911 Goodyear Road, Gardners, Cumberland
county, Pennsylvania.
2. The Defendant is Millie M. Ackalusky, an adult
individual residing at 909 Goodyear Road, Gardners, CUll'berland
county, Pennsylvania.
3. The plaintiff is the title owner of a certain tract
of improved real estate known and numbered as R.D. 2, Box 16~,
Gardners, Cumberland County, pennsylvania, by virtue of the
deed from Ronald L. Heisey and Susan 1. Heisey, his wife,
dated July 1, 1987, and recorded in the Office of the Recorder
of Deeds in and for Cumberland County, Pennsylvania, in Deed
Book J-32, page 151. A true and correct copy of said deed is
DIANE G, RADCLIFF
ATTORNEY.AT.LAW 3
'4"1 TRINDLE ROAn
CAMP III1,L. PA 17011
DIANE G. RADCLIFF
ATTORNEY.AT.LAW
~H8 TRINU1.E ROAn
CAMP IIILL. PA I7DII
attached' hereto, marked Exhibit "A" and incorporated by
reference.
4. The aforesaid property is subj ect to a mortgage
given by the Plaintiff, Kathie J. Ackalusky, to Central
pennsylvania Savings Association in the principal amount of
$34,000.00 and dated July 1, 1987 and recorded in the Office
of the Recorder of Deeds in and for cumberland County,
Pennsylvania in Mortgage Sook 873, Page 53.
A true and
correct copy of said mortgage is attached hereto, marked
exhibit "S" and incorporated by reference.
5. The aforesaid mortgage is still outstanding and is
believed to have a balance of approximately $22,000.00,
6. On the same date the Plaintiff acquired title to
the premises, the Plaintiff and the Defendant, Millie M.
Ackalusky, and a third party, Deborah J. Henderson, entered
into an agreement dated July 1, 1987 wherein the Plaintiff
agreed to sell the premises to the Plaintiff, the Defendant
and the said Deborah J. Henderson, thereby granting the said
parties equitable title in the property, legal title to pass
upon payment in full of the balance owed on the aforesaid
mortgage.
A true and correct copy of the July 1, 1987
agreement is attached hereto, marked Exhibit "C" and
incorporated by reference.
7. On December 6, 1991, at the request of the said
Deborah J, Henderson, the parties and the said Deborah J.
4
DIANE G. RADCLIFF
ATlORNEY.AT.LAW
.UiI TRINIJLt ROAn
CAMr IIILL. PA nOli
Henderson entered into a second Agreement dated December 6,
1991, wherein Deborah J. Henderson transferred all of her
interest in the property to the Plaintiff and Defendant,
thereby making them equal equitable owners thereof. A true
and correct copy of said December 6, 1991 agreement is
attached hereto, marked Exhibit "0" and incorporated by
reference.
8. The aforesaid July 1, 1987 Agreement attached as
Exhibit "e" and as modified by the December 6, 1991 Agreement
attached as Exhibit "0" required the Defendant to contribute
equally to the payment of the mortgage on the property and to
pay all of the electric and maintenance and repair bills for
her share of the property outlined therein.
9. The Defendant has failed to make the payments
required by the aforesaid Agreements as described in Paragraph
8 herein and as the result thereof Plaintiff has been required
to make payments on behalf of the Defendant in the total
amount of $10,446.04 as of January 13, 1995, as itemized and
set forth on Exhibit "E" attached hereto and incorporated by
reference.
10. The Defendant has promised to reimburBe the
Plaintiff for her expenditures as itemized on Exhibit "E",
incorporated by reference hereto, but has failed and refused
and is believed will in the future continue to fail and refuse
to make said reimbursement.
5
11. The plaintiff believes she will be required to
continue to make expenditures on behalf of the Defendant for
the property until it is sold to preserve the property and the
equity therein including, but not limited to, the mortgage
payments, taxes, insurance, utilities and repairs and claim is
made therefor.
12. The Plaintiff has requested that the,p1aintiff and
Defendant sell the property by listing it for sale with a
realtor so that she may derive her equity share therein, but
the Defendant has refused and continues to refuse to cooperate
with said sale.
COUNT II - PARTITION
13. The Plaintiff incorporates by reference the
averments set forth in paragraphs 1 through 12 of this
complaint.
14. No other person other than the parties to this
action has an interest or claims to have an interest in the
property which is described in Exhibit "A" incorporated by
reference hereto.
15. Only the parties to this action are in possession
of the property described in Exhibit "A", there being no other
tenants or possessors thereof.
16. There has been no prior partition or division of
the property.
DIANE G. RADCLIFF
ATTORNEY.AT.LAW
SUI TRINnLE ROAn
CAMP IIIl1.. rA nOli
6
DIANE G. RADCLIFF
ATTORNEY,AT.LAW
Si41 TRINUlE ROAn
CAMP 11I1.1.. PA 17011
17. The expenditures made by the Plaintiff on behalf of
the Defendant as described in Exhibit "E" preserved the
property and/or enhanced its value, were not gratuitously made
and were necessary and reasonable expenditures.
18. The property described on Exhibit "A" cannot be
divided between the parties without prejudice to or spoiling
the whole property.
19. The Plaintiff is the only legal owner of the
property. The Plaintiff and Defendant are each fifty (50%)
percent equitable owners of the' property by virtue of the
aforesaid Agreements.
WHEREFORE, the plaintiff respectfully requests this
Honorable court to enter an Order or Decree:
(a) partitioning the property described on Exhibit
"Alii
(b) declaring each party to be a fifty (50%)
percent owner of the property;
(c) directing the property to be sold and that
each party shall execute all documents and assurances
necessary to effectuate said sale;
(d) directing that the net proceeds derived from
said sale shall be equally divided between the parties
subject, however, to deduction from Defendant's share and
addition to plaintiff's share of an amount necessary to
reimburse plaintiff for the $10,446.04 in expenditures
7
DIANE G. RADCLIFF
ATTORNEY.AT.LAW
SHI TRINhL[ ROAb
CAMP 1111.1.. rA 17011
, ,
made by her on Defendant's behalf as of January 13, 1995,
together with all such expenditures made thereafter of
the same or similar nature.
(e) awarding Plaintiff reasonable costs including,
but not limited to, court costs and appraisal fees.
(f) for such other and further relief as may be
equitable and just.
COUNT II - DECLARATORY RELIEF:
TERMINATION OF AGREEMENT
20. The Plaintiff incorporates by reference the
averments set forth in Paragraphs 1 - 19 herein.
21. The Defendant has materially and substantially
breached the July 1, 1987 Agreement attached as Exhibit "C" as
modified by the December 6, 1991 Agreement attached as Exhibit
"0" by failing to make her share of the payments for mortgage,
taxes, insurance, utilities and repairs as itemized on Exhibit
"E", incorporated hereto by reference.
22. As the result of the aforesaid breach the Defendant
has forfeited all of her rights under the aforesaid Agreements
and in and to the property described on Exhibit "A" covered
thereby.
23. As the result of the aforesaid forfeiture and
breach, the aforesaid agreements should be terminated and the
plaintiff declared to be the sole legal and equitable owner of
8
.'
"
1
,
.
~
"
Dissociative Disorders
(or Hysterical Neuroses,
Dissociative Type)
,
"
1
~
Thc csscnti,ll fe,1ture of IhI'SI' disorders Is ,1 dlsturlMnce or allerallnn In the norm,1111'
Ilnlcgr"lllve functions of Identity, nwrnory, or consciousness. Th~ dlslurhanc~ or aller.
alion m~y he sudden or gradu.ll, ,md Iransienl or chronic, II II occurs primarily io
idcnlll\" the person's cuslomary Identity Is temporarily forgollen, ,md a new Identity
; m,w he ,lssumed or imposed (as In Multiple Personality Disorder), or the customary
, fccling of one's own reality is lost and Is repl~ced by a feeling of unreality (as in
I'. Dcperson,1l1zatlon Disorder). If the disturbance occurs primarily In memory, Important
. person.ll events cannot bl' recalled (as in Psychogenic Amnesi~ and psychogenic
Fuguc),
[)I'pl'rsun,11l1..1tion Disorder has been included in the Dls\ocl.llil'l' Disordl'rs he.
cause Ihe I['cling of one's own reality, ,1n Important component of Identity, is losl.
Some, hm\ ever, question this Inclusion because disturbance In memory is absenl.
Allhough Sleepwalking Disorder has Ihe essential fe,1tull! of a Dissociative Disor-
der, it Is classified as a Sleep Disorder.
1
300.14 MUltiple Personality Disorder
The cssenti,ll feature of this disordl'r is Ihe exislence within the person of two or more
disllncl person.1l1ties or personality states, Personality is here nefined as a relatively
enduring p,lttern of perceiving, relating to, ami thinking about the environment and
onc's self thai Is exhibited In a wide range of Important SOcl.ll and personal contexts,
Persan.llity stales differ only in that the pattern is not exhibited in ,1\ wine a range of
contexls. In c1,lssic c.1ses, Ihere are ,1t le,lsltwo fully devl'loped persnnalilles; In other
cases, there may be only one distinct personality ,1nd one or more personality st,1tes. In
c1mlc cases. the person,llities and personality states each have unique memories,
behavior p,lllerns. and social rel.llionshlps: In other cases, therl' may be varying de.
grces of slwlng nf memories and commonalities In behavior or SOci.ll relationships. In
children ,1Ild ,uloll'scentl, classic cases with 111'0 or more full\' developed personalities
arc nol ,lS common as they Me in .ululls. In adults, the numher of person.lllties or
person,llitv It.lles In any onl' case varies from two to oVl'r onl' hundred, wilh occasional
casl'S oi extreme complexilY. Approximately llollf of recently repnrted cases h.we ten
pPrson.llilies or fewer, and half have over.len. (In the text below, hl1lh pl'rsonalily .1011
pmon,llil\' sl,lles will be subsllnll'd umler the term persoo,l/,','.)
Allea\llwo of Ihe personalities, at some time and recurrently, t.lke full control of
the pl'rllll'" jH'h,winr, Tl1f' tr.msllloo frol11 one persnn,11ity tn ,lnllllwr il IIsll.1l1y sudden
2(.')
270 Ollloclatlve Di~ort!cr~
(within seconds to minutes), but, rarely, may be gradual (over hours or days). The
translllon Is often triggered by psychosocial stress or Idiosyncratically meaningful social
or environmental cues. Tramlllons may also oc'cur when there arc conflicts among the
personalities or In connection wllh a plan they have agreed upon, t\ tr,lll5l1lon may ,llso
be elicited by hypnosis or an amobarbllallntervlew.
Often person,llities are aware of some or ali of till' others to varying (kWl'e~. ,lilt!
some may experience the others as friends, companlon~, or adversaries. SllIlle pe"on,
alitles may be aware of the existence of other personalities, hol not have any direct
Interaction with them. Some may be onaware of the existence of the others. AI ,lilY
given moment, only one persooality Inleracls wllh thl' eXlernal envlronmenl, and nOIll'
or any number of the other personalities may actively perceive (I.e., ''IIslen In on") or
Influence all or part of what Is going on, The personality that presents itself for treatmenl
often has liltle or no knowledge of the existence of the other personalities.
Most of the personalities are aware of lost periods of time or distortions In ,their
experience of time, For example, the person may be aware of periods of amnesia or
periods of confusion about his or her experience of time, Some admit to these l'xperl,
ences If asked, but few volunteer such Information because they fear being "llied IIms
or being considered "crazy," Others are unaware of their amnestic experielll'es,
confabulate memories that cover the amnestic periods, or have access to till' memories
of the other personalities, which they report as If they were their own.
The Individual personalities may be quite discrepant In altitude, behavior, and sell,
Image, and may even represent opposites, But they may also differ only In alternating
approaches 10 a major problem area. For example, a quiet, retiring splnsler Illay aller.
nate with a flamboyant, promiscuous, bar habituee; or a person may have one person,
ality that responds to aggression with childlike frlghl and flight, another that responds
with masochistic submission, and yet another that responds with counteraltilCk. At
different periods In the person's life, any of the different personalities mily vary' in Ihe
proportion of lime that they control the pmon's behavior. JI
,
Associated fealures, One or more of the personalities may function wllh a reason. ,'1,'1
able degree of adaptation (e.g" be gainfully employed) while alternating wilh another ,
personality that Is clearly dysfunctional or appears \0 have a specific mental disorder,
Studies have demonstrated that various personalities In the same person may have 'I
different physiologic characteristics and different responses to psychological tests.
Different personalities may, for example, have different eyeglass prescriptions, differ.
ent responses to the same medication, and dlffell!nt IQs. One or more of the personal. :1
lties may report being of the opposite sex, of a different race or age, or from a different
family than the other personalities, Each personallly displays behaviors characteristic of .~,
Its sense of Its stated age. ~
One or more of the personalities may be aware of hearing or having heard the i(
vole!'(s) of one or more of the other personalities, or may report having I,llked with or \
engaged In activities with one or more of the other personalities. These Internal con. ,l
versations and the belief that one has engaged In activities with another personalilY l
when Ihe lalter Is aClualiy a dlssoclaled aspect of the person must be differentiated'
from olher forms of hallucinatory and delusional experlence~, t
The personalities often exist In groups of two or more, all of whom repre~entlhe -II
same period of life (e,g., adolescence), When this occurs, one or more may have the '1
role of protector of another member or members of the group, \
Most often the personalities have proper names, usually different from the first
name, and sometimes different from both the first and las\ names, of the individual.
Often the names h,we symbolic meaning, for example, "Melody" as the name of a
Multiple I'erlon,llll\' 011 order 271
pcrson"lity Ihal eXllrI!"l'S ilself Ihrough music. Occ,lsiorlollly, one (or more) of Ihe
person.llllies is unn,lmecl, or Is given Ihe name of lis funclion, for example, "The
Proleclor," '
H"qul~nlly, one or more of Ihe persomlities exhibils symploms suggesling a coex.
ISling menial disordN, for ex,lmple, changes of mood suggesling a Mood Disorder.
campl.,inls of anxiely suggesllng ,ln AnxielY Disorder, or nMrked dislurbance In person.
aliiI' funclinning suggesting !lordedlne Pl'rsonallly Disorder. 1111 oflen unclear whelher
Ihese Il'presenl cnexillinR disorders or merely associaled fealures of Mulllple Personal-
ill' Disorder.
Age .It onset. Onset of Multiple Person.,llly Disorder is almosl invariably In child.
hood, hul mosl C.1SI!S do nol come 10 c1ioical attention uolil much laler.
Course. The disorder tends 10 be chronic, although over time the frequency of
swilchlng belween Ihe personalities oflen decreases.
Impairment. The degree of Impalrmenl varies from mild 10 severe, depending
primollily on the nalure of, and relationships among, the personalities and only second.
arlly on Ihelr number.
Complications, Suicide "ttempls, self.mulilation, externally directed violence (In-
cluding child abuse, assault, or rape), and Psychoactive Substance Dependence Disnr-
ders are possible complications of Ihis disorder.
Predisposing f,lCtOrs. Sever.ll sludies indicate that In neollly all c.lses, Ihe disorder
has been preceded by abuse (oflen sexual) or anolher form of severe emotionallrauma
In childhood.
Prevalence. Recenl reporls suggest Ihallhls disorder is nol nearly so rare as It has
commonly heen thoughllo Ill'.
Sex ratio. In several sludies of psychlalrlc patienls, Ihe disorder has been dlag.
nosed frollllhree 10 nine times more frequenlly In fem,lles Ih,ln in males,
F.\mlllal pallern. Sever.ll studies h,we demonslr,lled Ihal Ihe disorder Is more
common in flrsl-degree biologic relatives of people wilh Ihe disorder than In Ihe
general population,
Dlfferenllal diagnosis. Psychogenic Fugue and Psychogenic Amnesia may be con-
fllSl~dwith Multiple Personality Disorder, bul do nol have its characteristic repeated
Ihilll in Idl'nllly, ,lnd usualh' .lIe limited 10 a single, hrief episode.
PI\',hollc disorders nMY he ronfusedwith Multiple Person"llly Disorder because
1111' p..rson reporls Iwlng tnnlrolled or iniluenced by 01 hers, or hearing or I.,lklng wilh
voicl'S (of olher perlonalllieq. These symploms may be inll'rpreled by Ihe clinician as
1111' dl'lusillns or halluclll,ltloflS of Schizophrenia or of a Mood Disorder with Psychotic
Fr,ltureS.
TIll' he lief th.lt one Is possessed by ,lnother person, spirit, or enlill' lilaI' occur as a
\\'I1\plnm 01 Mulliple Pl'rslloalill' Disorder. In such cases Ihe compl,llnl of being "pas.
\l,,"'d" II aclu,llly 11ll' l'xpl'rll'nce of 11ll' altell",le person,lIiIY's influence on Ihe per.
272 Oisloclalive Ollorders
son's behavior and mood. However, the feeling Ihat one Is "possessed" may also be a
delusion In a psychotic disorder, such as Schizophrenia, not a symptom of a Olsso,
dative Disorder.
Borderline Personality Disorder may coexist with Multiple Personality Disorder.
However, often the person with Multiple Personality Disorder Is Incorrectly dlagnused
as having only Borderline Personality Disorder because the alternation of Ihe personal.
Itles 15 mistakenly thought to be the Instability of mood, self.lmage, and Interpersonal
behavior that characterizes Borderline Personality Disorder. Similarly, other mental
disorders may coexist with or obscure the presence of Multiple Personality Disorder.
Malingering can present a difficult diagnoslic dilemma, which ohen can be re.
solved only by obtaining additional data from ancillary sources, such as hospit.ll and
police records and family members, employers, and friends.
"
.
A, The existence within the person of two or mor/dlstlnct personalities or
personality states (each with Its own relatively erjdurlng pallern of perceiving,
relating to, and thinking about the envlronm~nt and selO.
B. At least two of these personalities or per 6nality states recurrently take full
conlrol of the person's behavior.
.
300.1 ~PSYChOgenIC Fugue
The essential feature of this disord 15 sudden. unexpected travel away from home 01
customary wb~k locale with assu plion of a new Identity and an InabllilY to recall one'!
previous Identity. Perplexity a disorientation may occur. Following recovery, there j,
no recollection d events th oak place during the fugue. The diagnosis 15 not made Ir
the presence of a Organ Mental Disorder.
In some cases t e . order may be manifested by the assumption of a completeh
new Identity during e fugue, usually marked by more gregarious and unlnhlbitel
traits than characte;'e the former personality. which Iyplcally Is quiet and allogelhe'
ordinary. In such {istance the person may give himself or herself a new name, take Ul
a new reslden ,and enga In complex social activities Ihat are welllntegraled and d,
not suggestt e presence of ental disorder, In most cases. however, the fugue Is lei
elaborale. nd consists of lilt more than brief, apparently purposl,ful travel. Soci.,
contact n these cases are m' Imal or even avoided; the new Identity, althougl
pr~se ,15 Incomplete. Occasion Iy there are outbursts of violence against pruperty'
ano er person. In all cases of fug ,however. the person's travel and behavior mu,
ap, ear more purposeful than the co fused wandering that may be seen in Psychogeni
h. nesla,
AS50clated features. No Informatlo
Age at onset. Variable.
Predisposing factors and course. Heavy, !cohol use may predlspow to the dcVI'
opment of the disorder, psychogenic Fugue typically follows severe psychosoci
stress, such as marital quarrels, personal rejectl s, military conmcl, or a natural dila
ter. Usually the fugue 15 of brief duratlon-hou~.s to days-and involves a Iimltl
250 Anxiety Disorders
A. The person has experienced an event that is outside the range of usual human
experience and that would be markedly distressing to almost anyone, e.g"
serious threat to one's life or physical Integrity; serious threat or harm to one's
children, spouse, or other close relatives and friends; sudden destruction of
one's home or community; or seeing another person who has recently been,
or Is being, seriously Injured or killed as the result of an accident or physical
violence.
B. The traumatic event is persistently reexperienced In at least one of the follow'
Ing ways:
(1) recurrent and Intrusive distressing recollections of the event (In young
children, repetitive play In which themes or aspects of the trauma are
expressed)
(2) recurrent distressing dreams of the event
(3) sudden acting or feeling as If the traumatic event were recurring (Includes
a sense of reliving the experience, Illusions, hallucinations, and dlsso.
ciative [flashback] episodes, even those that occur upon awakening or
when intoxicated)
(4) Intense psychological distress at exposure to events that symbolize or
resemble an aspect of the traumatic event, Including anniversaries of the
trauma
C. Persistent avoidance of stimuli associated with the trauma or numbing of
general responsiveness (not present before the trauma), as Indicated by at
least three of the following:
(1) efforts to avoid thoughts or feelings associated with the trauma
(2) efforts to avoid activities or situations that arouse recollections of the
trauma
(3) inability to recall an Important aspect of the trauma (psychogenic amne.
sla)
(4) markedly diminished Interest In significant activities (In young children,
loss of recently acquired developmental skills such as toilet training or
lal1guage skills)
(5) feeling of detachment or estrangement from others
(6) restricted range of affect, e,g., unable to have loving feelings
(7) sense of a foreshortened future, e,g., does not expect to have a career,
marriage, or children, or a long life
D. Persistent symptoms of Increased arousal (not present before the trauma), as
indicated by at least two of the following:
(1) difficulty failing or staying asleep
(2) Irritability or outbursts of anger
(3) difficulty concentrating
(4) hypervigilance
(5) exaggerated startle response
(6) physiologic reactivity upon exposure to events that symbolize or resem,
ble an aspect of the traumatic event (e.g., a woman who was raped In an
elevator breaks out In a sweat when entering any elevator)
f-'
Gener,lllzed Anxiety Olsorder 251
Duration of the disturbance (symptoms In B, C, and D) of at least one month.
Speclly delayed onset il the onset 01 symptoms was at least six months after the
trauma.
.. 300.02 Generalized Anxiety Disorder
The essential leature of this disorder Is unrealistic or exccsslv'e anxiety and worry
lapprehenslve expectation) about two or more life circumstances, e.g" worry abnut
possible misfortune to one's child (who Is In no danger) and worry about linances (for
no good reason), for six months or longer, during which the person has been bothered
by these concerns more days than nol. In children and adolescents this may take the
form of anxiety and worry about academic, athletic. and social performance. When the
pelson Is ,lnxious, there are many signs of motor tension, autonomic hyperactivity, and
vigilance and scanning, (Symptoms that are present only during panic attacks are not
considered In making the diagnosis,) .
In diagnosing the disorder, other disorders that are frequently associated with
generailzed anxiety need to be ruled out. Thus, the diagnosis is not made If the worry
and anxiety occur exclusively during the course of a Mood Disorder or a psychotic
disorder; nor Is It made If the anxiety symptoms are sustained by a speclllc organic
factor (e.g" hyperthyroidism, Caftelne Intoxication),
The diagnosiS can be mad~f another Axis I disorder Is also present provided the
focus 01 the anxiety and worry unrelated to that disorder. e.g., the worry Is not about
having a panic attack (as In P Ic Disorder), being embarrassed or humiliated in public
(as in Social phobia), being ontaminated (as in Obsessive Compulsive Disorder), or
gaining weight (as In Anor xla Nervosa).
The symptoms 01 lor tension seen In Generalized Anxiety Disorder include:
trembling, twitching, or eellng shaky; muscle tension and aches or soreness; restless.
ness; and easy fatlgabjllty. \
Symptoms of au/onomlc hyperactivity include: shortness of breath or smothering
sensations; palpitations or acceler.lted hearlvate (t,lchycardia); sweating, or cold
clammy hands; dry mouth; dizziness or IIghtheadedness; nausea, diarrhea. or other
abdominal distress; flushes (hot flashes) or Chllls;\~eqUenl urination; and trouble sw,ll.
lowing or a "lump In Ihe throat."
Symptoms of vigil.lnce and 5c.lnnlnglnclude: Ie ling keyed up or on edge; exagger.
ated startle response; difficulty concentrating or mind going blank because of anxiety;
trouble failing or staying asleep; and Irritability. \
Associated leatures, Mild depressive symptoms am common. An associated ,lnd
unrelated P,lnlc Disorder or a Depressive Disorder Is often present.
Impairment. Imp,llrment in social or occupational functioning Is rarely more than
mild.
Complications. No Information.
KATHIE J. ACKALUSKY,
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 95-1808 (EQUITY TERM)
CIVIL ACTION - EQUITY
v.
MILLIE M. ACKALUSKY,
Defendant
ORDER OF COURT
AND NOW, this 25 t'day of July, 1995, upon consideration of
the attached letter from Defendant's counsel, Roger M. Morgenthal,
Esq., the hearing scheduled for August 10, 1995, is CANCELLED.
BY THE COURT,
uA
J. esley Oler
Diane G. Radcliff, Esq.
3448 Trindle Road
Camp Hill, PA 17011
Attorney for Plaintiff
Roger M. Morgenthal, Esq.
11 East High Street
Carlisle, PA 17013-3016
lepj
-)Il/,L(r,ll ll-4j-