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I. PJtOCI!DU~AL HIITORY
On December 16, 1987, Defendants John E, Menlmer Ind CIII,.. E, M,"lmer
('Def.ndlnts") 'Kecuted In Equity Reserv. A[lreementevldenclng s line of credit (th. "Line of
Cr.dlt") III flvor of Commerce Bank/Harrisburg, N.A. ("Crlmmerce"), The L1n. of Crtldlt WIS
..cured by. Mortgage on the property at 700 Walton Streel, LemoYl1e, Cumberland County,
Pennsylvania (the "Mortgage"), Th. Mortgage W8S duly recorded In the Office of the Recorder
of Deeds In Cumberland County In Mortgage Book 890 at page 897 etseq, on December 2B,
19B7, The Mortgagll also secured any other loans or obligations of the Meulmersto
Commerce then eKlsllng or thereafter Incurred.
On March 8, 19B9, Commerce entered judgment by confelllon In the Office of
the Prothonotary of Cumberland County at No, 849 Civil 1989 against Defendants In the amount
of $180,000,00 (thll'Judgment"), pursuant to a warrant of ellomey contained In a Guaranty
AgreementeKecuted by Defendanls guarantllelng the Indebtedness of Menlmer Anoclates,
Inc, The Judgment Is In Dersonam,
The Judgment was revived effecllve November 10, 1994 all :45 prevailing time
to No, 94.6426 In the amount of $25,000.00, pursuant to the parties' Stipulation and the Janulry
28, 1995 Order of the Honorable Kevin A, Hllss approving of and adopting said Stipulation (the
"Stipulation"), Under the Stipulation and the Mortgage, the Judgment is secured by the
Mortgage, The Stipulation and the Order are attached 10 Commerce'. Complaint.. EKhlblt "0,'
Thl plymlntterm' of the ,judgment were negolllled by Commlrcl Ind
OIflndlnt. through thllr coun..l. ThlY .greed thlt Defendents would melle plyrnents on thl
JUdgment In the Imount of $1,000,00 monthly on thl 24th of eech month beginning Jlnulry 24,
1911tS until the enllrllndeblednlls wes p.ld In lull (the "Peyment Schedule"), InterestlCcrtlll
It the ratl 016% W IInnum, No collection IIction would be commenced on the Judgment or
under the Mortgllge IIcurlng the Judgment so long II the Pllyment Schedule wes mlllntlllnld,
They lurther Igreed thlltll Commerce loreclosed beclluse 01 Delendants' delault on the Line 01
Credit, Commerce rllllrvod the rtght to credit bid at the Shertlrs Sale lor the smount due
under the Judgment, even II payments on the Judgment were not In delault.
These terms were memorialized In two letters 11'01'0 Commerce's counsel to
Defendants' counsel, both dated January 24, 1995, The nrst letter, lint by lacslmlle on the
momlna of Jlnuary 24, was attached to Defendants' Preliminary Objecllons as their Elthlblt "A"
(the 'First Leller"), The First Letter was notlttached to Commerce's Complaint or referred to
therein. It outllnll only the payment terms on the Judgment. Later that afternoon, alter further
negotlallons, I second letter was hand-delivered to Delendants' counsel outlining their
Igreementthlt Commerce retained the right 10 loreclose under the Mortgage and to credit bid
It sherirrs sale In the event of a dllfault under the Line 01 Credit (the "Second Lettlll"), The
Second Leller was not attached to Defendants' Preliminary ObJecllons or to Commerce's
Complaint (the "Second Letter"), The Second Letter Is attached hereto as Commerce's
Appendllt 1.
.2.
alld with en Icllon on the Instrument establllhlng the underlying Indebtedne.., Th..e Icllons
may be consecullve, concurrent, or simultaneous, A judgment II' one acllon dollS not preclude
. judgment In the other, although thfl mortgagee Is enlllled to but one satisfaction, Behuvlklll
Trult Comoanv v, SobolIWJlll, 325 Pa, 422,190 A. 919 (1937); ptllllldllphla National Bank v,
~uthlrland,lnc., 5" 0, & C,2d 314 (Monroe 1972); Ladner, 1J.lm; 22 SI. Pa, Prac,2d !j121:3,
In SobolewskI, the mortgllgee fint obtained a judgment In mortgage foreclosure,
II then confessed judgment on the bond pursuant to a warrant of attorney contalneJ therein,
The defendant petitioned the court to open the judgment on the bond, arguing that the prior
judgment In mortgage foreclosure precluded the ludgment on the bond, In amrmlng the lower
court's determination not to open the judgment, the Pennsylvania Supreme Court said, "A
mortgagee may pursue his remedies on both the mortgage and the accompanying bond at the
same time, though limited, of course, to ons ultimate satisfaction," eobolewskl. 325 Ps, at 426,
427,
Similarly, In Luther1and, 1J.lm, the plaintiff confe55ed judgment agalnet the
defendant based on a warrant of attomey contained In a guaranty, liS In the Instant case, The
defendant petitioned the court to open the judgmenl. The plaintiff then filed 115 mortgage
forllclosure action, In the preliminary objections to the plaintiffs mortgage foreclosure
complaint, the defendant alleged that the pendency of Its petition to open the confessed
judgment precluded the mortgage foreclosure action and requested that the court dismiss the
mortgage foreclosure action, The l.lI1bertand Court dismissed the defendant's prellminsry
objections and refused to dismiss the plaintiffs mortgage foreclosurot action, The court found
.6.
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thatthl mortglgal WII not precludad Irom purlulng cumullllvl or l\lemallvl rlmedlla on Ihl
mortglge Ind tha guaranty, ~llll1er1and II 319,320.
On March 8, 1989, Commerce conlened judgment agaln,t Ihe Delendlnla
pur,ulnt to a warrant 01 allomey contained In a Guaranty Agreement e~ecuted by the
Delendants on March 3, 1987. The conlened judgment Will revived In the amount 01 S25,000
elf!lcllve November 10, 1994 at 1:45 p,m. prevailing time pursuant to a Stipulation between
Commerce and the Delendants and approved and adopted by the Court on January 26, 1995
(the "Judgment"). The Judgment was an In Wsonllffi judgment establishing the personal
liability 01 the Delendants, Ladn!!!. AlIR!J..
Asln ~obolewskl and ~uther1and, Commerce, II Mortgagee may pursue Its
remedies under the Guaranty Agreement and under the Mortgage, ellher concurrently or
consecutively, at Its opllon, The Judgment does not preclude Commerce Irom pursuing lis
remedies under the Mortgage. Commerce hili alleged facts In Its complaint which II taken aa
truee, state a cause 01 action In mortgage loreclosure, Delendants' Preliminary Objection
should be dismissed,
B.
THE LETTER ATTACHED TO DEFENDANTS' PRELIMINARY OBJECTIONlS
AS PART OF THEIR EXHIBIT "A" AND DEFENDANl'S' AVERMENTS
CONCERNING ITS CONTENTS CONSTITUTE A "SPEAKING DEMURRER"
AND CAN NOT BE CONSIDERED BY THIS COURT,
"A demurrer can not be a "speaking demurre~' and cann?t be used to supply I
lact mining In the Complaint." ~,IlIJl[I, Courts may consider only mailers averred In the
.7.
Complllnlln delennlnlng I prellmlnlry objection In Ihe nllure of I demurrer, under
,
PennsylVlnl1 common Isw. ~hll1IWCA; Delweller v, HII~llld Borouah School Dlslrlcl. 376
PI, 556, 104 A,2d 110 (1964), A defendlnl mlV IlIsc:h to his prellmlnlry objections In Ihe
nslure of I demurrer onlv tholl documenls IlIached 10 or referred to In Ihe plalntlfrs complelnl.
HI mlV nollver new facts In or allach documents 10 his prllllmlnlry objections which are not
referred 10 In Ihe complaint. Johnston v, Lehman, 146 Pa, Crnwllh, 98, 609 A,2d 880 (1992),
In lis Complaint, Commerce referred to lis Judgrnent which WII entered pursuant
to Ihe Stipulation belween Commerce Ind Defendants and to the Court's Jal1uary 26, 1995
Order, The entire Stipulation and Order were allached to 115 Complalnlas Exhlbll "A",
Defendants demurred to Commerce's complaint, alleging that Ihe mortgage foreclosure acllon
vlolltlS In allreemenl belween Ihe parties Ihal Commerce would forego execution /lnd
collection proceedings for one vear, In support, they allach Ihe Stipulation and the Order,
Commerce's Exhibit "A", II well as the Flrsl Leller dated January 24, 1995, from Commerce's
counsel to Defendants' counsel.
The First Letter was not part 01 the Stipulation which the Court approved Ind
which Commerce attached to Its Complaint. Commerce did not refer to the First Leller or lis
contents In Its Complaint. Defendants' demurrer Is a "speaking demurrer" which allemptsto
supplV for the Court's consideration additional facts not contained In Commerce's Complaint,
Defendants' alleOltlons, that there was an agreement between the parties and that Commerce
vlollted such agreement, and the First Letter attached as part of Defendants' Exhibit "A" to Its
Pretlmlnary Objections, can not be considered bV this Court In detennlnlng whether
.6.
Coml"lrcl'l Complllnl 1'1'8111 clllm for which rlllef cln bl grenlld, ~,tiIJll:IJ
~ &97 A,2d 11696, n, 1, Commerce his stltlld I cause of Icllon In lis Complllnl.
Defendlnls' Preliminary Objecllonsshould be dlsmllled,
Anumlnglrauendo Ihe Court determines thallhe facts alleged by Defendlnll
and the Flrsl Leller IUlched by Defendanls may be considered by the Court In Ihls maller,
Defendants' Prellmlnsry Object/on5 should be dlsmllled, The Flrsl Leller oulllnes the payment
lenns on the Judgment and states, "so long as this payment schedule Is mBlnlalned, no
collecllon proceedings will be commenced on the revived judgmenl or under Ihe mortgage," It
unambiguously refers only 10 collecllon action for a defaull under Ihe PByment Schedule, It
does nolltale Ihot no collection action will be IBken If a default occurs under another obligation
secuntd by the aame Mortgage,
Additionally, the First LeUer doel not comprise Ihl! entire Bgreement between the
plrtles, The First LeUer wal senllo Oefendanls' aUomey by fBcllmllo on the momlng of
Jlnulry 24, 1995 along with the Initial draft of the proposed Stipulation, Later In the day, after
further negollatlons, Ihe final form of Ihe Sllpulatlon wal hand delivered to Defendanls'
counsel, along with a second correspondence, also dBled January 24, 1995, Bnd aU ached
herelo sa Appendix 1 and made s part hereof (Ihe "Second Leller"), Ills evident from the
contents of Ihe Second Leller that the parties contemplated Ihat a mortgBge foreclosure Bcllon
could be Initiated by Commerce If the DefendBnls defaulled on another obligation secured by
the Mortgage, even If the payments on Ihe Judgment were nolln default, In Ihe Second Leller,
Commerce retained Ihe righllo bid at a Sheriff's Sale Ihe full amounl of Its claim agalnstlhe
.9.
IV. CONCLUSION
Comm.rce Sink's Complllnt stll.s I clllm upon which rell.f can b. grlnt.d,
cef.ndlnts' Prellmlnlry Obl.cllons In the N.lure of. Demurr.r should be dismissed,
cef.ndlnts should be dlrectld 10 file their Answer 10 the Complllnt within tin dlVs of the
court's entry of the Order dlsmllllng Slid Prellmlnlry ObJecllons,
Respectfullv submitted.
BV:
/
ran N, Connellv, squire
Sup, CI. I. D, _59205
METTE, EVANS & WOODSI
3401 North Front Street
p, 0, Box 6950
Hlmeburg. PA 17110.0950
(717) 232.5000
AUomevs for Plaintiff
. Commerce Bank/Hemsburg, N,A.
DATE: Jun. 30, 1885
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4. On December 16, 1987, Ihe Meulmers, IS Mortillyors, e"eculed a Mortyayelll
fivor of Commerce, II MortYlyee, securiny Defendanls' Indebledness 10 Commerce evidenced by
Ihelr Reserve Ayreemenl slmuhaneously e"eculed 011 December 16, J '187 In Ihe original principal
amounl ofTwenly Thousand (520,000) Dollars. plus Inleresllhereon allhe rale provided in Ihe
Reserve Agreemenl, payable wilh olher charges 88 provided Ihereln, A lrue and correcl copy of
Ihe Reserve Agreement Is all ached hereto as E"hlbil "A" and made 4 part hereof.
~. The Mortgage also secured all olher Joans or other obllgallons of Defend an Is then
e"Isllng or Ihereafter Incurred.
6. The Mortgage was recorded on December 28, 1987,In the omce o/'the Recorder
of Deedsln and for Ihe Counly of Cumberlalld, Pennsylvania, In Mortgage Book 890 at Page 897
el. aeq. (hereinafter Ihe "Mortgage"), A true and correcl copy of the Mortgage is allached hereto
88 E""lbll "B" and made a part hereof.
7. The property subjeclto the Mortllage Is described with particularity therein. The
slreetaddress Is 700 Wahon Street, Lemoyne, Cumberland County. Pennsylvania 17043 (the
"Property"). Defendllllts are Ihe presenl real owners of the Property.
8. On March 8, 1989, Commerce oblalned a judgmenl 8galnsl Defendanls In the
Cumberland County Court of Common Pleas and docketed In the Office oflhe Prothonotary at
No. 849 CIvil 1989. pursuant to a Guaranty Agreement e"ecuted by Defendanlsln favor of
Commerce (the "Judgment"). The Judgment was secured by the Mortgage.
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o. ANN~AL ~IAr.IN'AQI RAil AND PltlIODIr, "All-
o CMSttnIUR\lI. Th,ANNU,AL.I'fACINT"Ollt"nl' "~i 'hIIANNUAl.
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olJr cht<klnlllllculJnl, "~"lIlIICeOl.lnl. NOW "ccovnl. Mont)' Mlthl ""O\,/nl
OIll1p., NOW ""01,1/11, 'I.llumllltlll~, IlIIlh. "".1. p.~m"'l I, dUI" II thOl/l'" '"
lJ~t ml)/1lhl~ 11.I.m.lll, .,,~ MllllnH'm fI.-,mlfll ,.IIUI1QIOlhll.I.I.mll'lllh.! wt
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bo"uw." UIlIIII IIlI.,4,il,,,n.nl. .~.n II .nolllll P.lll)lllllln.lhl, "'1J1..m'"I11
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II Ol1~V~T - W. .,11 bl In u,'.ullolthl. "g'.,m.nlll .,,~ 01 Ih. 10UO*lhg
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bl<:omn d~.,
101 Vr",lllo COIllI)I)' I'lllh Ih.I."". Qllhll Ag,um.nl;
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"111111, ',"n.. 0' U"'illl.ln '111;11 Olh~,ubUij'honi
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Inll It,u4 Ot Ih.lI;
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Ih. b""llllIll;:r.IIHOII:
II' .,,~ llllJ, prowllJ.. )'OIJ ",tlh 1.111 Inlo,,,,.HOIl O/' Ilgn.I""1I II .n~
IIm',ot
1'1 ~OIJ, In gOlJd IIUI1, b'II'lI.IIt,1 w. ".nlllongl' 'bl.11I "P'~ Ih. 'IJm.
dll' or ..hl"h co~hf btcqm, dll' on Qil' CIIIJII Lln..
Upon IhllX~U"ln(. 01'11)' IIltlololl ~O~ ml~, I'lllhO~1110IlClIO II', flllt/mlll'I'I)""
.blUly IQ I,lbl.HlIl.llIlolllllunUII OIJ' C"lllllln., .nd III)el.m."...lh.I.., "a~ ~ou
Imm.iJllIl.,~ Ih. .,lIt,. blll."e. dll. ~ol.lll 'IW' do "01 P')' ~Ol,l Ih.t ,mQl,lnllm.
m.iJIII.I)', Yr, .g,.. 10 pil~ ~ov, tcllJ" 'olllOt l:otltcIlOn, Incl"'IJlng )'Oljt coun
COil. .l1lJ "'.on.bl. .ItO"'I)~" I.. QI ~O~, 01 Ih. 101.1 .mol.l/11 dy.,
12. JURIBOICTI()N - WII"'~oCQbl)' 'onllnllo Ih. t~"Yli~'IIl'I'"I'Uon ollh,
'Ovl1. 01 CommlJn PIUlln Ih. Colllmqn...Uh 01 P.nn.,lv.nl. Qt Ih. U"II.d
ISI.I.. OI'l1lel COIJU 10' lhl Mld..l. OI.HI,1 01 P'nnl~I\I",I. hi an)' In., ,1I'l,jIl.uI
01111' l.g'l prQc....hIQI l)tolJUhlll~ )'0'" .gllnll"'l unelll !hI' '-gt..mlnl, o,.,,~
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Ih.1 )'ou ",.~ IIIVI .n~ "i.1 p'oe... or .n)' leg.1 nolic.. on II' by ,,"1"." m.tI,
11M" 'Ik.lpl "ql.l"I'4, luh.t Ylollhtl' Ot ",ltho~llh. CQmmonWllnh Q' PI,,"-
.~lval'I', W. .110 .or.. Ih.I.~(;h l.g.llmlco ~pon .n)' 01 IJ' .hlll b. IIl\Ilce
up"n IU 01 u'.n~ .acll on.ol ~"ppolnllneh olhll II !hll, .1I0,,,.)'-ln-11(1 for
Ih.. pUlpO" ~I.c"pllng 1.0.1 ''''IIlc, I,om )'OY, W, 'unh., .gtHth.1 ".111 nol
obllell" .n)' flloal 'tIlO" liI.d b)' ,OIJ Igllnll u. Ihll UII lI.nu. 01 .n~ 01 Iholl
.eIlOIl' II incl)"lell)' lh. pl.CIII Inconv,nllnl.
W., ...n InlJ.p.n4."I.g,uml"l, Ir"vOClbl~ w.iv.lh.,IOhIIQ 'jlJt)'trl.lln
'11)' .n., 411 l,J1'PIJI.. blllA'un ~OIJ '"d III, ",hllh., Ih, dl.pul. II und., Ihl.
"g)..m.nl Qr und" 'n~ oth., .g,umlnl /Jt ~lltI'n do.;um.nl bllwlln u',
",hlthlt Ihl)lI Igr..m.nl. or ...till.n docl)mllll. ." Ilmlllt 0' dllllmlllt 10
Ih",Aor..m'l'Il,
13, CREDIT LIFE INSURANCE - II ""'. h.v. ehoun 10 I,k. Qui Credit Llr.
Inl""onClllnd "". '" IJII411 '0. ee, \fli. 'lWIU III Ih. NOTICr 01' P"OPOlSIO
GROUP IN6Un"NCE on m.IIV""lId.. Cfldll L.II./n.ullnc, witl COVII Ih. p",
'I)n '*""0 .llInlln Ih.ln.lJtlnc.rt<lIl..1 bQ_b.low II w. oblaln Iht.lnlur.nCl, w.
.1I,U\Jlbl.,o, co....,.g. up 10 '0' lIS.
INSURANCE REQUEST
INSURANCI: 1/'1'1'1 ~nd.,.I.n" Ih.III.. do nol h.....lo I'~. o~1 ~"dlllllllnllJ"n" In ord., 10 nbl'llIlo.n 0""'11111::" 11 1/\11. QIJ"lfy tOl 1I.nd IIw. do I.k.
II Q~I. I/Yr' will b. re<lIJI,,'" 10 P'Y Ih. 1:1).1 0111. TI1.1"II.l""" ,"III eO~II onl~ Ih. penon. ""ho 'Ign bllqw In Ihl. "Inll.lfln"" lee lion.
,(Check" 'PPllubl.):
O.I.__.____.-g.__
o I/W' w,nl ,,..,11 Ultlnluflnll.. Th. COlli' I ..______ p., monlh p." __ 0.1".___._____ Ag.
lSlgI'I.lutI 01 In.u,." -.-~_~_......_.____._._.P.______. lSl~n'lutl 01 Inl~l.d ____...__.____
""ml.."o. 01 Amo,." PII." 01"""' APPRAISAL_t'EEL.filO_O~O.Q~...... m............._..__.__
q.1l~~~~~:~R~l~G...~~CR~~.LT~~~1~~~R
ACCQ~NT NO. ...9.Q.~.9.Q.90_~1 "..3.. "'^~I"'~'" C"EDIT! ;1 0 ,QO 0, JJ.O. "_....n. DATI ..DECEMBER 16
EIlhIbIt B
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l\IORTG,\GE
TillS MOllTIlAlJt: I. ma~.lhll ,16dL ~., 01 ....DJ::.CJ:.IU.ll,';R....,....., 19,6.7.. bel..... ,J,OHN....f:...MJ::llSJ,M~~R..lm~I....C,J"A1R~
..J::....MESSIM~~K,.."bi.IL,W,l.f4l.~.~..~~.~,~.~..~.:::.~,:::,:::,.:::,:::,~..:::,.7..:::.,:::.:::..:::,,7,.:::,,:::,:::..:::,,::::. (h."IIIIO" ..htlh" 0" or mn.. ..llod "Mo".I.o""
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COMMERCE BANK, Clmp lUll, Plnn., 17011
(h."I..nn ..1I.d -Mo".I...-h
In conlld.,.llon ro, 'n~ 10 mU" p"m.nllo MO"I'." b, ".J.Ql:IN..,.E,M~J;1~lMl~R,,,.II.n,I~,\GJ,.A.IRf.,,,,~;....MJ;;,,\l.SJJ:1f..R"",,,h.h,,
(lna.I1I,.lntl Q't h'ollow,n)'"
..w.1f,f\:::.~,7:'..~.~..77.;.,,7...,:,:.:7,.7:.~,~.~.,7.,;..::'7..7..~,:::.::,,,:,:,,::.:7,:::,.7.."':'.::-:,:7'.:::,::"..::,.':':..7..':':..:,.7,:::,:7',.~.,'::,:7..::,,':"..:7,:::,~,::.:::,.7..::,.7..:7.::';.:7,,~,,':".,.7,:::,:::7.:::,:7.::"7,,~,::-:.:7..::,,7.,:7,,
.r , loon .nd "y Inll,..1 "'~ '0'" duo Ih."o. .vt~.n"~ by . Lo.. 1'/01. d.lld .DECEMBER....l6."..,... , 19.8.1... , In Ih. Imounl or
.2,0",.0.Q.0 ,.Q"O.."....................."".,,,,,.........,, iKdIllIlKcl plul (Ilrik. Inlnnll,.bl. 111m) Int.,..1 (.tI~/o' .ny modIO,,,lon, ,.O..n,lnl orlllln.lon Ih"",1 .nd
.ny .Ih..lo.n noli or oil", ..,..m..1 ..hlch tI", b. 'Ubllllul'~ Ih..do" In, 0' .11 01 ..hl,h a" h",lnan.. ..II.~ "I'/ol.-)..d pe,rorm.ne, 01.11 condlllo..,
COY'lIInl..n~ oblll"lon'c'ln"lnr~ herrin an~ In Ih. 1'/011 .n~ "y olh.. 101111 or olher obllllllonl 01 MOJlI'lor 10 MOJl.'11I no.. IIhlln.or h,,"III'
IncurrclJ, the MIH1I'Mordon bylhue prurntl,rlnt, bar,llIlt nil, &:ol1'1ey 111I1 ntol1,lle unhllht Muftll,rt, Alt.lhe (olhlwln,dncribed rulu'A'I.huII.ln
Ih.~lUlllll~~/Po,ou.h) 01 U;MQ:il'H.'; .....
,CllllUll0llwcahh or Pcnnlylnnla, (hh.lnaOer &:11Ie4 OlPumlul") known and dullnlled I'
..7.0.0Si~tt~~~...STl\~~E'l'....,..".. .................. . L.EMQ:tNEMiiiilirjii'ilii"........"......,...."..."C.uM~ERLAN~:;'uiiii"""'."
P.nnlyIVlI1I., 'onVl"~ 10 Ih. MOJlI'IO' by O,,~ ~.u~ ,NOVEMBER"lll,......., 19,..BO, duly ,,'or~,.j In Ih. orn" for Ihl R.cor~lnl 01 Olld.ln IIld
Coonly In Oll~ nook 1'/0. .."29",,)::,,,...,.., ,1"1' ",,,2,2..,,.. ...., IIlh.I'"ml,,","hucln ~.."Ib.~ .n~, If n"....I)', II mo" pltll,olltly ducrib.d II
rollo.., 0' on Ih. "v.... .I~. h.ltol.
TOIlETlIElt ..lIh alllh. bull~lnl' ..d ImproVlm.n"lh",on and .d~llionl ..~ .lIer"lonllher.lo, In,lu~lnl .11.11.,.. n....I.w.,.. rilh". llbertl..,
privUeiC', hmdll,menll Ind appul1enlncn whluoc'Ier .hereunto belon.lna or appel1llnlna. .. .
..' ". '1'0 lIA'IE "]'ID TO lIOLl> Ih. Pre",I". hereby I'""'~ .nd ,0I1YCy.d unlo Mort..llI, 10 .n~ lorih. UII an.j b.hool 01 MO"I'IU, 11"0"11I011 and
,:0" ~1I1~"otevcrl ";', . . ~. , . .. .,
~, / '1'11I5 MokTC",GE 15 MADE .Ubj.CIIO Ih. 101l0wlnlcondlllol1', cov.na""'"~ obllllllonll
l ..':. :.1 'I ..' All piyr~i.nll on Ih. Note IN 11 be made wh.n due,lncludlna paymentl due hy .cerleratlon Dr malunly, .nd III olher l:ondhlon., covenlnlllnd
! . ,:' .blllbllon....l'!'qult.~ or,p,o~I~.d h",I~, I~ Ih.l'/oll, otln .ny olher obll..lion or MO"I'lono MOJlIllI". ..III b. p.rfonn'~: .n~
. .: .;, ,l(./MI1"IUpr_~9~1)I1\!..,.nd w."anll \hil Mortl'IO' h.. ru .lmpl.lill. 10 Ih. Proml... an~ Ih. rilbl'o mOJlI'I.lh. Puml...: .nd
.. -:" \ C;.~'l~~Qr. Will pay 'When due .1l1un and lurnmenulnd olher .oy.mmentll char,n, l"dudln, th:"richy, wltrr Ind Ilw.r renll levied or
. : :./ .' .......d apTftIIll1l':Pr.ml.ri br .ny .p.t\ilh.roor, .n~ ..III d.lIvII u"lp"lherdo"o Ih. Mort..... opon uqo"I, .nd .hall p,y ..h.n duo .lIamounll
... ., "i-'lI,ured ~r oily'pHor II.. on ill. Proml"'l.n~
.'.... "..."'I..d,'rrr.I1.*.o, \11111 k"p t.h. Pr.ml...lnlu,,~ '1.lnll OU .nd .uch harard.l. lo,h .moonlO, .moun""Ill'Y h. uqulrcd by Ih, Mortl'I" .nd Ih.
. .. po I".."nl! rcntwallnldenclnB .uch Inluuanl:c .hall hIVe IHoched Ihereto 11011 payable t.:11\l1((I) In form acceptable 10 lhe MOl1lllcc. Ind
, "t, Morlllaor will ncllhcr lell, lullln or tranlr" any IJr.11 of the "remllu or Iny Inlerclt therein nor com mil nor.urrer Iny Itrip, WillI. ~mpllrmlnl or
dctenl)l"Iltlon or the Premlltl Dod will mo.lnllaln the 111111 In ROllI! order Ind repair; Ind
r, In the .v.nl or .nyddllult In the makll1l1 or In)' payment due Ind plyable under the Nole, or In Ihe kuplnllnd perform.nn orallY ohhc condition"
CO\lenll1l' a"lt uhUIAth;,"lConllllncd htrrln or In the Notc, or In Ill)' cllh.cr I)blllllthm or Mol1aaaor 10 MartlAlcc, MortlAlee ml)', upon timely nOllce 10
Mort,Iaor Ie required by law, (I) rOI'thwllh brlnllllny Ictlon Orl11ortll&C foreclcJlurc hercl1n, 01 Inllltute l1lher foredolurc procndln'l upon lhll Mortla.Ie,
Ind may proceed to judgment Ind cxuullon to reco~er the balance due on th. Note ana! a."y l1lher .um. 'hill ma.y be due lhereunder,lncludln'ltlorneYII
fect, c/JIII of.ulland (0111 of Ille to the extent,lr any, pro~lde4ln Ihe NOll and permitted by law,lnJ WI enler Inlo pontnlon or Prcmhu. with orwllhout
'calll"lon, IUI'lhe IIImc, collect III nnU Pltd proOU therdrom Ind, Irter deductlnlllll liolll of collUl on nn4 Idmlnl.tr.tlon UptnlC, Ipply thc net ICnn
Ind pron" 10 lhe pa.ymcnl o(11UU Ina! olher neccll4ry n141nlenllnce Ind opUllllon COlli (lndudlna Igenu' rcu Ind anorney.' (eu) or on Icc(lunl of thl
Nl)lt, in luch ordel and amounll a& MonglllClt In MortllllCC'llOl1 dllt'rrllon 11\1)' elecllnd MIJrtlll&1I Ihall be liable 1(1 accounl only ((lr run and proOU
a..o.lly ....Iv.d by MOJlI'."; and
.' M onlll!,)t h.reby wal~u Ind releluCll1l beneOt and relld horn any and allapprulsemen".IIY and uc:mpllnn IIWI now in rare. or h.,ufter pallId,
either for the bentOl orrcUt! of Monalaor, or Iimlt!n. 'he blllllnee due to I.um not In uelll of the amountlctulIlly paid by lhl purchll.r orlh. Pre mile. II
I.all thcrc:ofln In)' Judldal pr(jccrdlnal upon lhls M011111.e, oruemptln.the PrelnllCl, or any pin of the proceed. ohale lherlof. fromlU.achment,lcvy '"
ule under uec:utlon, or pro~ldlnl (or Iny ItD>, of execullon or olher procell,
BUT Al.W A VS PROVIDf.P, n..."hel....lh.lll Ihl. Mortl'.' .n~ Ih. d.bl h",by "'u..~ ore paid In rullln Ih. m.nnll provl~.d In Ihll'/oll.lh,n lhl.
Mortal,c and the Illite heNby ,rlnled thall crDle In4 dClermlne Ind become void, Inylhlng herein to the cuntrllry notwllhllilndlna.
The covenllnll Ind condlllon. herein conlalned Ih3U btna! lnd the benent.lnd Id~anta'CI.halllnurc to the rurred'l' h.ln, Cllccutor1,ldmlnlllratol1,
.ucecnou, Ind aulln& orthe partlu hereto, Whencver ulCd, the .In.ulllr number IhlUlnclude the plurll. the plural and 1he Ilnlulir Ind Ihl UII of any lender
.hall b, .ppllcabl. 10 all I.n~m. .
lIym.nl of Ihll MOI1.',c Is lubject 10 Ihe term.lnd condition. o( the Note rderred 10 Ibove. . .
.:..wr~~:;M:~=:':,,:".~;~::."*~~..:.:.'.''''
'.M.'iiiP...;.."....""......".."..' ,,,..,,...,......,,,,,,, ". ,,,,..,,..,,,,,,,,,,,,,, ",....,..,(SEAL).Mo.ii...o.;....,""".."""..".,...""..""..,,"",,..........",,,,,,,......,,..,,,,,,,,....,,(5EAL)
IANCONIUMlk ,OlN'A lotl~"', )/15)
bOOK bUn FAtE 897 .
. 1915 'A~CO:"l5UMU UIWICf, INC,
r')DESCRIPTlON Of PREMISES r.':\
(hllll> _plClnc dncrlplhlll or Premlln, Ir nluuarr,,~J.
'.
ALL TIIATCIIlTAIN tract or pal."ca 1 of land llnd premisee, s itull te, ly i ng and be ing
in the borough of Lemoynll in the COIlnty of Cumberland and COllUl1onweolth of
Pennsylvania, more particularly bounded and described according to a uurvey 0
D.P.Raffenspllrger, dated May 11, 1953, as followsl
BEGINNING lit a point at the uouthwuat corner of thn intllrsection of
Walton Street and 7th StreIt, thence southwardly along the western line of 7tl
Street, one hundred sp.venty and aiKty-fivc one-hundredths (170,65) feet to a
point on the northern line of the Borough of New Cumberland I thence south
fifty-two (52) degrees no (00) minutcR wcst along same, seventy and two one~
hundredths (70.02) feet to a point at thR dividing lina between Lots NOD. 63
and 64 on hereinafter mentioned Plan of Lotsl thence north thirty-six (36)
~egrees thirty (30) minutes west along S8mO, one hundred seventy-two and fort:
seven one-hundredths (172.47) feet to a point on the southern line of Walton
Street, thencc eastwardly along same. seventy (70) feet to n point, the plnce
of BEGINNING,
BEING Lot No. 64 on Plan of Lots known lie Chatham Village, said Plan
being recorded in Plan Book 4. Pnge 77, Cumberland County records,
HAVING THEREON ERC:CTC:O II onu-etory urick und utOHll uWllllLng hOllee,
known and numbered as 700 Walton Street.
r ;'
" I::;:
COMMONWEALTlIllF PENN5YI.VANIA
.:-" .
-.' :
56
COUNTY OF "...~.I,ml!;wd.\lllfJ."".., .
9-
~
Ih. und",l~n.d urom, ~"'onllly Ipp.a,.d , ",.J(l.h,t:I..J:::..",t1~,~.!lJm.I!.;:.,.~..",q.l!l:J.:r:.9"",~",,,,,.N,(!,.R,~Jm.l!.E",,,,,,,...... , ",'",' ~
known (or'llIl.r'C:lorlly P'Q~C") to melt) be the PC'UJlt(I) \I.'lllnc n.lI1e(l) 11(.'c) lublcribrd III the ahove MO"lilla' Alld Ilckno\AolrLtacd url:uliaJl1 orthr 11I1111: for
Ih. purpolellhrr.ln conlaln.d Ind d..l"d IhOll1 b. ",urd.d 1I.",h, ur who "knowl.d,.d hlm..lr 10 bra (Vice) 1>,..ld'nl onh. MonMIM"{n/~~b\illiluJ~n), "',
Ind Ihll, beln, IUlhori"d 1010 do, h. u"ul.d Ih. Ibo" M""i'i' II Ind 'o"h. "'I"nd d"d oflh. Co,po,allon by IIMnlni Ih. nlm~ o(lf~ (01POrlll!".')'iSy.,.,
hlm"lf.. (VI~t) Pruldrnt and caulln. thlt Cl3tpl),.lt 1e'1I110 be Applied 'hurlo, '~dr'lrrd M .Ime 10 b~rcordrd AI luch ~. ..ot;t.~"~-:'-":':'.f ,/, .;:;.
WITNE6S my hand Ind orodal ..allh, day In~ )'" a'",mld. :J. ....J. \ - -. .,~-:t.\\ "1."'''11\ ~
, "o..!...~".',y-y",. , , ,.. ",,:.\V\~I::~~~: ~t.t~.,., ..", .',,~~? 't
la,y l'ubll. , . " , I~: II. ~ 0,' E
'ce"try 111111h. plt.l.. Itlldonce or Ih. wllhln.nam.d MORTGAGH.I. CAR~LYc~mL'1 r,~UR[Sr:N, ~Ot"R~\I!.!lBLIQ'~' ,~ )0.;
r ml,on .pI" un.,.n,~, ~:'''l'l:..!
c'mp HIli. 'A r~mbtll,"fl:o~(.1 ~@l"" 'r ·
" ,,,... """J;\'\mb,~n:..~ fm~."" ''','' "" ,,"r.A .."... ,..,..,.. ,...."'''~V-~1 . 'r::"'o:\. ,.'
COUI1IY i)1.lr '\,' V (1.1 . u~""..,/;:
"'" '\t .".,'
'""., .1
On Ihll ."",Hl,!;h dl' or .",D~~.E)mk1~x.
" .87 DEe 23 (./'1 9 118
, 1'1,,6.7.. I b"rlJrt In' Ih. IUlllcribrr, a NOIDry llublh: In Ind ror Iht Conllllon..tIIhh Ilr I'rnrllyl....III;/I,
.l'....Q.,,,...l}Q;~..JI599 ..". ... , ." ,Camp ilHU
No. Ind Slrut Munh:lPIII)'
;; .(). .-l-.. ~ lJ~ '
51,nlluIt .......~ .'1i7I'\-t&?" ~ .,
~arnt on C 111 IlIMQrtllIaU
Christ e R, lJennia
i . ~
! . .., \. . , i p~
i .StF.tO ('. '~')""';!'''i'' ."'I~'~ 1 t,' .. (') ·
.' ..'J" ".' f ~~ OJ 0
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,,,.. e.. IV) : 0, Ulpll1ml I ., I~I T'.l&U'V . ,,11'''''' A,v,^u. II/VIII
,." ,,," ! Notloe ,), Federal Tax Lien Under Internal Re
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Phlladclphia, fA 239119461
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A. pravldla tJ, ..etlonl 1132'1, ja::ll aPla :11I3 of the Internal Plo\lanue
Codl~ nollel I glv,n th.t lUll. Inc ualnglntertll ana PI"lltl..) hlv.
btl"lIa~~'" 1~lln.t Ih, fol '0 nil-nom, t..p,ver, a.mand lor pay.
m'nt 'or I I /lIb IIV hll bu" :nla../. bul remr,nl unplld, Jhlterore,
Ihl" I. a en In IIvor Qr lh. I,i" lid al.I'1 ".1 proJl.rty In tlghll 10
prop,rty be/orllllnll to Ihlt 1.11 ~,v.r ror Ih. Imollnl 01 Ihelll 111101, ana
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L!~OYN~, p~ l704J-20J
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IMPOI,IIANT RELEAse IN'O~MATIl:N: Wilr, 'npij~11 Ileh ""l1/T1'n1l1lle~ bilow, un.
IIBI nolll;l 0111,,, I, rellled b~ Ih. w, given In eolv n (')j Ihll nolle. ,hili. on tho oev
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CIVP 03131/89 J.67~'O~1593 11/18/90 12/18/00
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,I prothonl:tarv
cumbnlllnd County
~Car1iBl,!. PA 1'103
Totll
Thll noU~1i wu p"IPal.d Ind "gM d at _
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Ihl 20th day oIAIl<lUSI: " l
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SI~naIU'~--eJ.J... Jf- J T t Ii
:tor patricia Bet ej.",.ki~ CS
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(NOTII eMllle.11i of ollletr lulhc,11I11 Cy taw 10 I,k. 'llkno l.cl~I' I" "01 inQntl:lll~ Ih, v':!r:llty 01 NOlIn r' Ftdtr
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exhibit 0
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ca1culated,at the ~ate of 6\ ~ Annum f~om Novembe~ 10, 1994
and all costs. Such unpaid balance is the only deficiency
evidenced by the Revived Judgment and the Judgment to be
uatisfied. The p~othonota~y is hereby dl~ected to ~evive the
Judgment at No. 849 Civil 1989 effective November 10, 1994 at
1t45 p.m., p~Qvailing time and to index it in the judgment
index in fBvo~ of CommercE! Bank/Ha~risbu~g, N .A, and against
John E. Messimer and Claire E. Messimer in the amount of
$25,000,00 togethe~ with interest thereon calcuLated at the
ute of 6\ (l.JU. Annum fror:l November lO, 1994 alld all cOlltlS
(he~ein the "Revived Judgment").
5. payment of the Revived Judgment aJ.llo ill llecu~.d
effective Decembe~ 2B, 19B7 by the lien of that certain
Mortgage given by John E. Mesnimer and Claire E, Mellsimer,
husband and wife, a5 mortgBgorB to Commerce Bonk, now Comme~ce
Bank/HarriBburg, N.A., 8S mor.tgagee on December 16, 1987 and
recorded on December. 28, 19B7 in the cumberland County Recorde~
of Deeds Office in Mortgage Book B90 at Page B97 (the
"Mortgage") .
6. The Prothonotary i8 hereby directed to lSatisfy
the Judgment entered in favor of Commerce Bank and againllt
Raymond E. Messimer and Rhea F. MesBimer at No. 848 Civil 1989
(herein the "Judgment to be Batisfied"). The satisfaction of
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such Judgment is without prejudice to the rights ond remedies
of Cornrnerce Bank/Harrisburg, N.A. to collect tha unpaid
balance of the debt from John E. Messimer and Claire E.
Messimer, husband and wife, as evidenced and secured by the
Revived JUdgment and all collateral therefor (incLuding but not
limited to th~ real property described in the Mortgage) .
7. The amount of the deficiency is $25,000.00
together with interest thereon calculated at the rate of 6% ~,
annum from November 10, 199'1 and all costa. The Prothonotary
is hereby directed to enter auch deficiency as the Revived
Judgment in favor of Cornrnerce Bank/Harrisburg, N.A. and against
John E. Messimer and Claire E. Mes~imer, husband and wife at
No, 849 Civil 1989 effective November 10, 1994 at 1:45 p.m.,
prevailing time.
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Record
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Lloyd R. Per:sun, Esquire
Karen N. Connelly, Esquire
Mett~, Evans & Woodside
3401 North Front Street
P.O. Box 5950
Harrisburg, PA 17110-0950
(717) 232-5000
Attorn~Y3 for Petitioner
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David J. Lanza, Esquire
Johnson, DUffie, Stewart &
Weidner
P.O. Box 109
Lemoyne, PA 17043-0109
(717) 761-4540
Attorneys for Respondents
BOOK 4"90 PAGE 98:3
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YERIFIOA!W.N
I, John E, Messimer, do vllrlfy thet the statel11ents Illade In the foregoll1g Prelhnlnery OblBotlonll
arB trua al1d oorreot 10 Ihe besl of my knowledOIl, Inl011118tlol' and ballel, I understand that false
stetements made herein arllsubleot to tha ponaltles 011 B Pu,C,S, ~4904 relating to unsworn lalslllcetlon
to euthorltles.
N}jJo,.L~~'j
~- John E. Messimer
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calculated at the rate of 6\ ~ AnnUm from November 10, 1994
and all costs. Such unpaid balance is the only deficiency
evidenced by the Revived Judgment and the JUdgment to be
satisfied. The Prothonotary is hereby directed to revive the
Judgment at No. 649 Civil 19B9 effective November 10, 1994 at
1145 p.m., prevailing time and to index it in the judgment
index in favor of Commerce Bank/Harrisburg, N,A. and against
John E. Messimer and Claire E, Messimer in the amount of
$25,000.00 together with interest thereon calcula~ed at the
rate of 6\ ~t Annum from November 10, 1994 and all costs
(herein the "Revived Judgment").
5, Payment of the Revived Judgment alao is secured
effective December 2B, 1987 by the lien of that certain
Mortgage given by John E. Messimer and Claire E. Messimer,
husband and wife, as mort~agors to Commerce Bank, now Commerce
Bank/Harrisburg, N.A., as mortgagee on December 16, 1987 and
recorded on December 2B, 19B7 in the Cumberland County Recorder
of Deeds Office in Mortgage Book 890 at Page 897 (the
"Mortgage").
6. The Prothonotary is hereby directed to satisfy
the JUdgmont entered in favor of Commerce Bank and against
Raymond E. Messimer and Rhea F. Messimer at No. 84B Civil 1989
(herein the "JUdgment to be satisfied"). The satisfaction of
- 2 -
~."....,. "p' . ._.-....~._-
such Judgment is withQut prejudioe to the rights and remedies
of commerce Blink/HarrisbUrg, ~I.A. to collect the unpaid
balance of the debt from John E. Messimer and Claire E,
Messimer, husband and wife, as evidenced and secured by the
Revived Judgment and all collateral therefor (including but not
limited to the relll property described in the Mortgage) ,
7. The amount of the deficiency is $25,000.00
togethor with interest thereon calculated at the ('ate of 6\ g.u.
fnnum from November 10, 1994 and all costlS. The prothonotary
is hereby directed to enter such deficiency as the Revived
Judgment in favor of Commerce Bank/Harrisburg, N,A. and against
John E. Messimer and Claire E. Messimer, husband and wife at
No. 849 Civil 1989 effective November. 10, 1994 et 1145 p,m"
preveiUng time.
;7)~ " Ir! 7:z:!.<;-L~'
Lloyd R, Persun, Esquire
Karen N. Connelly, Esquire
Mette, Evens & Woodside
3401 North Front street
P.O. Bo;( 5950
Harrisburg, PA 17110-0950
(717) 232-5000
Attorneys for Petitioner
,
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'- '
David J, Lanza, Esquire
Johnson, Duffie, Stewart &
Weidner
P.O. Box 109
Lemoyne, FA 17043-0109
(717) 761-4540
Attorneys for Respondents
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COMMl!I\('l!.IIANK/IIAI~I~ISUlJIW, NA . IN TilE couln ()II COMMON I'LEAS
I'llllnllll' . ClJMllm~LANn COUNTY, IIENNSYL VANIA
v . NO '1~.2~IK CIVIL n\I~M
JOHN E MESSIMERlllld
CLAIRE E MESSIMElt
hUKbllndlllld witil,
nil! UNITED STATES OF AMm~ICA,
DelilndllntK . CIVIL ACTION. LAW
~
I, Admiued,
2, Admitted,
3, Admitted,
4, Admilled.
S. Denied, IlK II CllllcluKlonoflllW,
, ,
6, Admilled,
7, Admitted,
8, Admilled,
9, Denied. DelilndlllllK hllve no knowledge regllrding thlK IIVernU!I1t,
10. Admilled
II, Denied DclilndllnlK 11IIve no knowledge regllrding IhiK I\VCrInent.
12, Denied, All dcl\\lIltK hnve been cured.
13. Denied Add del\luhK hnve been clIred
14, Denied InlereKt, Illle li~eK, llnd llllol'lley tiles lire not properly chllrgenble at this point.
IS, Denied The delilults hllve been cllred. PllYlllenton Ihe revived Judgment Is nol due unlll
1996.
"
COMMERCE BAN~/HARRIB8URO/ N.A./
PLAIN'l'I FF /
IN THE COURT OF COMMON PLEAB
OF THE COUNTV OF CUMBERLAND
PENNSYLVANIA
V
CIVIL ACTION - [~W
JOHN E. MESSIMER and CLAIRE E.
MESSIMER, husband and wife, and
THE !lNITED STATEB OF AMERICA,
DEFENDANTS.
NO. 95-2518 CIVIL
'LT-J P U L ^ '1' I OJ!
It is herepy stipulated and agreed by and between
counsel for plaintiff, and the defondant, United StAte~ of
America, as followSI
1. That the promises referred to in Exhipit "8"
of the Complaint is owned Py the defendants, John E. Messimer and
Claire E. Messimer, husPand and wife.
2. That the Federal tax lien referred to in
paragraph "9" of tho plaintiff's Complaint in the amount of
$21,873.99 is junior in time to the plaintiff's mortgage set
forth in paragraph "6" of said Complaint.
3. That the defendant, United Btates of America,
agrees to the entry in this action of a judgment in favor of the
plaintiff.
4. That the Defendant, united states of America/
is not indebted to the Plaintiff.
5. That the aforesaid premises shall pe sold at a
jUdicial sale, notice of which shall be served on the defendant,
United states of America.
~. That the judioial sal. of said property 8hall
diecharqe the Federal Ta~ Lien referred to in paragraph "9" of
Plaintiff's complaint.
7. That the proceeds of salo shall be divided and
distributed as the parties may be entitled and any funds due the
United states shall be sent to the Financial Litigation Unit,
United states Attorney's Office, Suite 309, Federal Building,
Scranton, Pennsylvania 18501.
8. 'I'hat the defendant, United states of America,
preserves its right of redemption as provided in Title 28, United
states Code, Seotion 2410.
9. The parties to this stipulation shall bear
their own respeotive oosts in this proceeding.
DAVID M. BARASCH
United states Attorney
BYI
~~ CwJv,w.u: !:~..l ',M
RY CA HERINE FRYE
Chief, civil Division
Attorney for Defendant,
United states of America
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