HomeMy WebLinkAbout95-03341
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BINGAMAN, HESS, COBLENTZ & BELL, P.C.
By: Clemson N. Page, Jr., Esquire
Attorney 1.0. No.: 25616
660 Penn Square Center
601 Penn Street
P.O. Box 61
Reading, PA 19603
(610) 374-8377
Fax (610) 376-3105
Attorneys for Plaintiff
HOUSEHOLD REALTY CORP., d/b/a:
HOUSEHOLD FINANCE
CONSUMER DISCOUNT COMPANY,
Plaintiff
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
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.
vs.
No. ~.5.33f./1 W~
ACTION IN MORTGAGE FORECLOSURE
EDWARD W. HELMAN and
AUDREY E. HELMAN,
husband and wife"
Defendants.
NOTrCE
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 and Notice are served,
by entering a written appearance personally or by attorney and
filing in writing with the court your defenses or objections to the
claims set forth against you. You are warned that if you fail to
do so the case may proceed without you and a judgment may be
entered against you by the court without further notice for any
money claimed in the Complaint or for any other claim or relief
requested by the Plaintiff. You may lose money or property 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.
Lawyer Referral Service
Court Administrator
Cumberland County Courthouse
Carlisle, PA 17013
Telephone: (717) 240-6200
67341,1
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BINGAMAN, HESS, COBLENTZ & BELL, P.C.
By: Clemson N. Page, Jr., Esquire
Attorney 1.0. No.: 25616
660 Penn Square Center
601 Penn Street
P.O. Box 61
Reading, PA 19603
(610) 374-8377
Fax (610) 376-3105
Attorneys for Plaintiff
HOUSEHOLD REALTY CORP., d/b/a:
HOUSEHOLD FINANCE
CONSUMER DISCOUNT COMPANY,
Plaintiff
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
.
.
.
.
.
.
.
.
vs.
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.
.
No.
ACTION IN MORTGAGE FORECLOSURE
EDWARD W. HELMAN and
AUDREY E. HELMAN,
husband and wife,
Defendants.
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COMPLAINT
1. The Plaintiff is Household Realty Corporation, d/b/a
Household Finance Consumer Discount Company, a Pennsylvania
business corporation with an office and place of business at 961
Weigel Drive, P.O. Box 8632, Elmhurst, Illinois 60126-8632.
2. The Defendants are Edward W. Helman and Audrey E. Helman,
husband and wife, adult individuals currently residinq at 117 Pin
Oak Lane, Shippensburg, Cumberland County, Pennsylvania 17257
(hereinafter referred to individually and collectively as the
"Defendants").
3. On or about April 1, 1994, the Defendants executed and
delivered to Plaintiff a mortgage on their real estate located at
117 Pin Oak Lane, Shippensburg, Cumberland County, Pennsylvania
(the "Mortgage"). The Mortgaqe was recorded on April 4, 1994, in
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Mortgage Book Volume 1204, page 803 ~ ~., Cumberland County
Records (the "Mortgage"). A true and correct copy of the Mortgage
is attached hereto as Exhibit A and incorporated by reference.
4. Attached to the within complaint and incorporated herein
by reference as Exhibit B is the Affidavit of the Plaintiff as to
the particulars of the Note repayment of which is secured by the
Mortgage.
5. The premises subject to the Mortgage are described fully
in the legal description, attached hereto as Exhibit c.
6. Plaintiff has not assigned the Note or the Mortgage and is
the holder thereof.
7. The Defendants are in default with regard to the Mortgage
in that they have failed to pay when due the monthly installments
from May, 1994 to date; that is, they have made no payments to the
Plaintiff since the date they executed and delivered the Note and
the Mortgage.
8. Pursuant to the Homeowners Emergency Mortgage Assistance
Act of 1983, written notice of the availability of credit
counseling, and the procedures for availing themselves of such
counseling, was given to the Defendants by regular and certified
mail. A copy of the aforesaid notice dated March 24, 1995 is
attached hereto, marked Exhibit D and incorporated herein by
reference. Plaintiff avers that the Defendants did not avail
themselves of the opportunity for counseling within thirty (30)
days from the date of said notice.
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9. Pursuant to Act of January 30, 1974, P.L. No.6 (41 P.S.
101 et seq.), written notice of intention to foreclose was given to
the Defendants on March 24, 1995 by certified mail. A copy of the
aforesaid notice of intention to foreclose and post office receipts
are attached hereto, marked Exhibit E and incorporated herein by
reference.
10. The claim of the Plaintiff as of April 26, 1995 is
itemized as follows:
(a) Unpaid Principal:
(b) Interest at the contract rate
(currently $28.67 per diem)
through June 1, 1995:
(c) Attorneys' commission at the
rate of five (5t) percent on
the unpaid principal balance,
said rate representing
reasonable attorney's fees
under Pennsylvania law, said
reasonable attorney's fees
for collection authorized by
the aforesaid Mortgage:
$79,400.00
$11,972.64
3.970.00
TOTAL:
$95,342.64
Interest continues to accrue at the contract rate (currently,
$28.67 per diem) from June 2, 1995 forward.
Additionally, the
Mortgage provides that the Defendants are responsible for costs of
suit. The attorney's fees set forth above are in conformity with
Pennsylvania law and will be collected in the event the mortgaged
premises are purchased by a qualified third-party purchaser at
Sheriff's sale.
If the account is reinstated prior to sale,
reasonable attorney's fees will be charged based on work actually
performed.
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WHEREFORE, plaintiff, Household Realty corporation, d/b/a
Household Finance Consumer Discount company, demands judq11lent
against the Defendants, Edward W. Helman and Audrey E. Helman,
jointly and severally, in the amount of Ninety-Five Thousand Three
Hundred Forty-Two Dollars and sixty-Four cents ($95,342.64),
together with the costs and interest at the contract rate
(currently $28.67 per diem) from June 2, 1995 forward and for the
foreclosure and sale of the mortgaged premises located at 117 pin
Oak Lane, Shippensburg, Cumberland county, Pennsylvania 17257.
Dated: June 14, 1995.
By:
BINGAMAN, HESS,
re
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VERIFICATION
I, Chuck Martisek, verify that I am authorized to Axecute this
verification on behalf of Household Realty Corporation and that the
facts set forth in the foregoing Complaint are true, correct and
complete, to the best of my knowledge, information and belief.
I make this verification subject to the penalties of 18
Pa.C.S.A. Section 4904 which imposes criminal penalties for unsworn
falsifications to authorities.
Dated:, I ftf ( q 6
tf!Lwk ~~v~~~
Chuck Martisek
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(I) . ~ 23 '15 091391lM f#"C Rto [>EPT ;I, , ~ ''2.~/J.
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;, 'm 1.. DOll J' CHIlCltRD: TIIII MORTOAOn 1. AN OrllH.IlND MORTOAoll AfolD IIlCUIlIlI ..mURI ADVAHeD'
. 'l111SMOR'roAOUllmod.lhll 1ST day 01 APRIL 19.i!-,bel_th.MorllllOr,
t' ~REV I'. HELMAN ANI) EDWARD W. HIL~N
SB AND IFE
...In ro-. an or I"I" HOJALHOI.D F1IWo1CE C~ DI6ClILfIT ClN"ANY .
a corpoullon orllnlud and ellllinl iiiiOeflho la". 01 pEII'lSYLVANIA ,..hoeoldd.-II
211 O~TIWAV O~IVE, SUITE 101. t.4ECIWllCSBURO, pA 110611
\here,n "lAnd.. /. ' ,
l'h. IoIhJ"lnl "'''I..rh "rec.ded by . check.d bUlla .ppllcable.
n WIIURDAS, llorr~"Or 'II hidobled 10 Lender In'lh. piincipal avm 01 S '
iYia'enctd by llorro....'. Loan Repayment .nd Securll, III,eomenl ", Secondlry Morl."" l.oan A....ment dlled
Ind any dleMllln. or ,eno..111 thereof (h...ln "NOI'"), p",Yldlnl r.1I monlhly IMlaUmen'"
01 rrlnclpal .nd ,"term, InelUdinl Iny Idjuetmenll 10 Ihe .mount 01 ...ymenla or tho conlllct nl. II th.1 rei. Is
nllabl.. wilh Ih. ballnce of the Indebtedn.., II nollOORer plld, due Ind payable on :
m WIl1!RDIIS. IJCllruwci, i.lnd.bled tn I..nder In lite ",lncip.1 .um 01 S 11 ..00, 00 . ur Ill' much lh","",
II m.y be Idyau.-.d rUhfUI"t to Ilona......, RO'olvln. Loin Alreemenl doliiii' ApR I L ,. HIllA Ind
11111II1011I Ind reno",l. Ihereof (herein 'Nol~"1 ",o.;dln. 10' monlhly inlllUmenbl. Ind .nlerlllt It 11I0 nte Ind under
lho lerms lpoemed In the Not..lndudln.,.nt ldjuslmenllln th. int..est rato IIthlt rale'" varlabl.. .nd r_(dlnll",.
ctedltllmlllllllll In lhel'rlnclpil Ium .bove and In Initial advance of S '11, AOO, 00
. 10 snCUIlE 10 Lendo" lho reJlIymenl or (J) th. Ind.bledn.. evidenced b, lhe Note. ..ith Inle,..llh..""",
includlnl any Increollllll thl contracllll. il yarilble; (21 fulure IdYlnces und.. any Revoi.inl Loan Alroemenl; (3) the
pI,menl 01 In olhar avm.. "Ith interest ther...... Idnnctd In .ecordlnct hoi.wlth \0 prolect the _It1 01 chi.
Mort..p; Ind (~I the perlorm.nee 01 the covenon.. .nd ..roomen.. 01 Darro.... herein cantol"ed. Darro..er does
her.by morlll." .lInllnd con.oy \0 J...nder 'and I...nd.... lucceanrl Ind a..lena the 101l0"lnl dMCrlbed pmperl,
"!CIted In lho County 01 ClMIERLANO Common_hh
01 Penlll1lV1nla:
SRIEF LEGAL DESCRIPTION'
ALL THAT CIRTAIN PROPERTY SITUATED IN THE TOWNSHIP OF
SHIPpENSSURG IN THE COUNTV OF ClMIERLAND AND C~ALTH OF
PENNSYLVANIA. BEING MORE FUlLY DESCRIBED IN A DEED DATED
01127192 AND RICDRDEO 01l2ll1112.MOlO T1-IE LANO RECORDS OF
THE COUNTY AND STATE SET FORTH ABOVE. IN DEED VOLUME
M-311 AND pAllE1I29,'-'--" ..... ......-..-....-. ........ ...--........,..,
\'" TAX MAP on PARCEL 10 ND,311-3S-23111-0eOA ADDRESS: "7 PIN
OAK lANE, '
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SHIPpENSSURG
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EXHIBIT l\
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'l'OClIlTIJIlIt wllh .11 Ih. Impluvom.nt. nuw 0' he,..ltel .,e"led ,"I Ihe Plopelly, .nd .11 ....m.nll, rlchla,
.ppurl.n.nllOl .nd "'nil, .11 or which .h.1( be deomocllo be .nd rem.ln a part or Ih. property coverocl b, Ihil Morlf"CO;
.nd .11 of Ibl Iw.colnc, 10t..ber with eald "roperty (or Ih. laschold ~1I1. ir Ihi. MorIC.C' lion I I_hold are
heleln.lter ,ererred 10 II Ih. P,ope"',.
ll<lcrower C'O.en.nlllhll Dorrower II I...rullr. ..ised ollh. ...111. h.,.by conveyocl.nd h..lhe rlchllO morl.IC'. crlnl
.nd con.o, Ihol'ropell', .nd Ih.llh. p,operly . unenCllmberocl, e.eepllor encumbnncee 01 rocord.llorrower covenlnll
Ih.1 BorlOw" W.rllnll .nd will de/end coner.lly rh. titl. 10 Ih. Properly ...In.. .11 clllml Ind d.m.nde. lubjlcllO
enCIJmbr.ncee or record.
UNIl'ORM COVENANTS, Durro".r .nd Lende, cov.n.nl.nd..r.. _ lollowr.
l. Parmenl 01 Prlnolpll and Inler..1 .t Verllblo Rlleo. Thit morl,"co 1ICIl,.. .11 paymcn18 01 princ:lpal .nd
Inl....1 duo on . v.,I.bl. ral. loon. Th. eunlllct III. or Inllrtal .nd paym...l .mounl. m.y be ,ubJecI 10 oh.n.. .1
plovlded In Ih. NOI., Bocro".,. .h.1I plomptly ply when due .11 .moun18 te<lolred by Ih. NOI.,
2, Pundl lor .r.... .nd In.ur.noo, Subjecllo .ppllcoblo 1.1'1 or w.lv", br Lend., Ilo,rower .h.lI C'y 10 Lend.r on
th. d.y monlhll p.ymenll 01 p,incipll .nd Inlor...1 .rc poy.bl. under Ih. NOlo, unlll Ih. NOlO II pa d In lull. I 10m
(helOln 'Pund. ) ""u.1 10 on.'lwelllh ollh. "lIly Illes .nd .....m.nts lIndudin. eundomlnlum .nd pl.nned unll
d.volopm.nlll._m.nll.lI.ny) whloh m.y .u.in priollly o.er 1M. Morl"C. .ndJ,ound IOn18 on Ih. ProperlYi II any.
plu. on.-twelllh '" ,."Iy plemlum 1..I.Um...ta lor h.nn! I..utln.... plu. onrtw Ith 01 ,arly p..mium inlt. Im"'ll
lor morICI,. lnoullnoo. il'.ny. III at r...on.bly esUmllocllnili.lly .nd I,um 11m. to 11m. by Lender on Ih. ba.l. 01
......m.nu .nd bill. .nd louon.bl. ..lIm.11S Ih.,eor. Dorrow.r ah.1I nol be obli..locIIO m.k. .uch p'rm.nta or Funda
10 J.end., to Ih. ""lOIn Ih.t narrower m.k.. suoh p.ym.nlO 10 lho hold.r 01 a prior morlPCo or deed 01 lruatl/ aueh
holder i. .n In.dlulloo.ll.nder.
1/ Botro"er par' !lunda 10 L.nder, Ih. Pund. ah.1I be held in an In.litullon Ih. d.poaita ot aocounll of whloh '/0
Insured or su...nleocl b, . !locleral 0' .l.ro ...n., (Ineludln. Lender if Lender I. such .n in.lltullon). Lendor 011.11 .pply
Ih. Punds to pay ..Id I..... .......m.nr., in,utlnco premium. .nd .,wod I_nil, Lender m.y not oh.r.. lor 10 holdlne
.nd .pplyin. lhe Punda. analy.ins said accounl or v.rllylnc Ind ",,",pilin. said wes.m.nta and billa. unl... Lend.r pays
nOlrow.r Inl.,..1 on Ih. Punda .nd .pplicabl. I... pelmllll.nde, 10 m.ke euch . oh"C.. Dorro".r and Lendcr ma,
'CIOO In wrltlns Illho time ol.aocutlon 01 thia Morl....lhallnloreal 00 Ih. Funds ah.1I b. paid 10 Borrow.r. and unl..
such ICIO.menrla made or appllcablol.w r"'luil'" auoh Intereslla be paid, L...d., ah.1I nol be requl,ed to P"yllotrowct
Iny Inl.,..t or eamlnp on Ih.Punda. L.nd.r shaU .Ivo to Borrower, wilhouloh.rs.. .n .nnu.1 aooounlin. of th. Punda
ahowln. credila .nd d.bit. 10 Ih. Punda and Ih. purpose lor which neh d.bitto tho Punda 1'1" m.d.. Th. Punda aro
pled.ed .a addilion.1 .ecurity for Ih. IUm.lllCUred by Ihls MorIS.CO, '
1/ th. .mounl 01 Ih. Pundt h.ld br Lender. 10COlhel with Ih. [uturo monthlr Inol.Um_nll 01 Punds p.,.blo prior 10
Ih. due dales 01 I..... ._am.n.., In.u,.n... pr.mlums .nd .round /Cnll, ah.1 ..coed Ih. amounl/Oqul/Od 10 pay Slid
lues, a_menl.. in,ulln._ pr.miuma .nd cround IIn'" .. Ihey 1.11 due. euch OIcess ah.1I be, .1 Dotrow.r'l oplion.
eilh" prompllt IIp.id 10 Borrower or crediled to Dorrower on monlhly lnarallm.nll 01 Punda. 1/ Ih. amounl OIlh.
Funda hold by ender ahall nor be aullicionllo pay III'" a.....m.nta, inlUlInco premiums .nd .round IInta II Ih.y 1.11
du.. Bo,rower .h.1I pay 10 Lend.r any amounl nee..."y 10 make up Ih. deli.;en., In on. or mO,o paym.nta .. Lendcr
may requilO,
Upon payment In lull 01 .11 auma secul.d by Ihls Motl..... Lender ahall promplly ..Iund 10 Borrower .ny luncll h.ld
by L.nd.r. 1/ und.r l'.r.s.nph 11 hOleoflh. l'rope,IY i. sold ot th. ProperlY ia olh.rwi.. a~ulled by Lend.r. Londer
ah.1I apply. no I.ter th.n Immocliately priOI 10 Iho sal. or Ih. Propelly or ita .cqulaition by Lender. .ny Punda h.ld by
Lond.r .tlh. 11m. 01 applle.llon .. . ....lIt al.lnallh. .uma aeeured b, thl. MOrlC'co.
J. ApPUcollon of Paym.n... &Dlpl lot loano m.do pursuanllo Ih. P.Iln.ylv.nia Consumer DI.eounl Company
Aol. all parmOnla .....I.ed by Lender und.r Ih. NOI. .nd p....npha I .nd 1 hereof ahall be applied by Lender li"l in
p.ym"'lo amounla par.blo to Lender by IloIt0W., und.r pall,"ph 2 h.reor. Ih.n 10 inl.rlll. and Ih.o 10 Ih. principal.
4. Prior Morl..CCI .nd Deed 01 Trllll; Ch.rc..; 1I.n.. no"O,,"1 ahall pelform .U of Ilorro..or'a obllllllo..
undor any marl sa So. deed 01 Itusl or olher nCllrily acmm.nl whh . lI.n ..hloh h.. prlorlly OVOI Ihl. Mortc.se.
includln. Ilolto..CI's c,ov....nla 10 m.k. parm.nll whon duo, Doltow.r .h.1I 1"1 01 ClUIO 10 be paid all ta.....
......m.oll .nd olh.r eh.r.... nn.. .nd Imposillona .llllbut.bl. 10 th. Properly whloh m.y .Uain . prlorll, o'.r Ihi.
MotlK.P, and t....hold parm.o... or Ilound renla. II any.
S. lIarar" I..ureno.. llorrowCl .h.1I keep Ih. Implo.omenll now .allllnl or her.lher elOOted on th. ProperIJ
in.ured a.alnatloea b, iiI" hazarda Inoluded "lthln Ihelerm '.'I.ndocl covelal., and aueh olher hazarcls.. L.nder may
requll.,
The in,ul.ne. ..rrler p,o.idio. rh. Inluranoo ah.1I be chosen by'lh. Dorrower aubjecl 10 appro..1 by Lend.r;
r.ro.lded, Ih.1 aueh approval .h.1I nOI be unllunn.bly withh.ld. Alllnaullnco pollclce .nd ..n....I. Ihol.of sh.1I bolo I
aIm .ocepl.blo 10 L.nd.r and sh.lllnelud. . .I.nd"d mOIIISI. olaulO In lavo, 01 .nd In . lorm ....plabl. 10 Lend."
tender .h.1I h.v. Iho rlChllo hold Ih. pollclce and I.nowal. Ih.reor. subJecllO Ih. lo,m. 01 any mortl.'e. deed ollrwl
or olh.r ...."iry a"eem.nl wilh a lI.n whioh h.. prlorlly ov.r Ihi. MOrl.a...
In th. .vonl or 10Sl, Borrow.r ahall .i.. prompr nolleo 10 th. inau,ane. Clrrle, and L.neler. Lender m.y m.ke prool
of loa II nol m.d. p,ompl\y by DorrowCl,
1/ Ibo Propelly I. .b.ndoned by Borrowor. 01 II Dorro"., l.iI. 10 'lIpond 10 L.nder ..ilhln 30 day. lcom Ih. d.le
nnllco I. mailed by !..nder 10 Ilorro...r Ih.llh.ln.ullno. .."Ier ol/e.. 10 celllo a cI.lm 10' inaulln.. bene/Ill, Lend., is
alllhurlzod In a.lletll.nd .pply Ih. In.ur.ooo pr......da al L.nd.,'. opllun e1lber 10 IOIlor.llon or repair 01 Iho Properl, or
10 Iho IUme IOCUled by Ihia Morl..Co.
..'..'.. -'.... OA .,... biioi120:1 rACE bOot 'A"''''
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6. "reservation .nd M.lnten.nee 01 "ropertl': te...hold.; Condomlnlumt; PI.nned Unit Denolopmeftll.
Demo-.r .h.II keep the Property In cood rep.lr .nd .h.II nol commll will. or permil impoi,mml or dolerlonllOll 01
lh. P'ope,ly .nd "'.11 compl, -lIh the pro.l.i01ll ol.ny I_If Ihl. Marl.... I. on . I......old. " Ihl. Marl.... II on .
unllln . condominium or. pI.nneel unll dnelopm.nl, Oorro.or .h.1I petform .11 01 Ool/oller'. obll..IIOM und.th.
decl.ntion or coven.n" crOltln. lit 1O..,nln, the condominium or p1.nned unit developmenl. lhe brl..e .nd
re.uf.d01ll 01 the condominium or pl.nned unil d...loPfl1lnl, .nd conltlluonl doeumenlt.
7. Protection of Lendor'e Securlly. " Dorrolltr I.il. 10 perlorm lhe co..n.nll .ne! ....emen.. cont.lned In thl.
, Mn,t.." or II .ny ectlon or proeoedln.l. cammltlCld ..hlch m.terl.lI, .rr.... lAnder'. Inl_1 In Ihe P~I,. Ihen
Lendor. .1 Lend.r'. option. upon notice 10 Dotrowe" m., m.ke .uch .p",nences. dl.bu.... ItlCh .ume, Includln.
...eon.ble .UorM,.' I.... .nd I.ke .uch .clion II I. n..-ry 10 prolect Lend..'.ln.....L
Any .mounle dleburlOd b, Lend.r pureu.nl 10 Ihll potl.r.ph 7. with lnlonet Ihereon. II the conlract rite, .holl
become .dditlon.1 Indebtedn_ 01 DoifOllot ltCured by Ihl. Marl..... Unlao lInrm_.. .nd Lender ..ree to other
lorme of poymcnL .uch .mounll ",.11 be poy.ble uron noli.. from Lender to Borro.er requ.lln. p.yment thereof,
Nothlnl conlllned In Ihl. pero.roph 7 eh.1I require Und~ 10 incur .ny tlpell" or I.ke .ny .cllon h.,eunder.
8. I...pection. tend.r m., like or Q\IIe 10 be m.de re._.bl. eftlrl. uP-O!' Ind In.pecllolll 01 the Properl,
pro.lded thol Lend.r .h.1I .i.e Borro_er noli.. prior 10 ony .uch In.pectlon IpeCilyln. roann.ble ClWIC ther.lor r.I.I~
to Lend..'. Inl.reot In lhol'mperty.
9. Condemn. lion. The prixftcl. ol.ny ,wlld or c1.lm Illr d.m..... dlrecl or ~uonll.l. In connection "lIh .ny
rond.mn'lion or olher IIkln. of lh. P,npe,ly. or pili therenl, or for con..y.nce in lieu 01 condemnetlon,.re hereby
wilned and .h.1I be peld 10 Lenderl 'Ubjecllo Ih. torm. ol.ny morlce" deed of 1"",1 or olh., ....'Urily '1lKment
..ilh . lien which h.. prlorilY n.er Ih I Morll....
10, Borrower Nol Relell.d; I'or....'.nee Dy tender Nol . W.lver. Urton.lon ollho tlmo lor peymenl 0'
modllicolion 01 .mo,tl1.IIIon 01 Iho oum. IOCUred b, Ihi. Morts.se srented by Lend., 10 Ifty IUCCOIIOr In Inl....t 01
D",row., ,h.1I nol operlto 10 rei...., In .n)' m.nner. Iheli.billly 01 Iho orl.in.1 Dormwer .nd Dorro".r', '\ICCe8IIOrt in
InloresL t.nder .h.1I nol be required 10 commence proceedlns' ...i"'l such IUC'COtIIIOI' 0' ..IUIe In tllltend lime Inr
peymenl or olh....I.. modll, .morllullon 01 th. .um. IOC\Ired by Ihls MorIS". by r.....n 01 .ny dem.nd mado by Ihl
orl.lnd Ilorloller .nd Ilollower'slUCCeSllOlI In InleresL An, rorbeeron.. b, lendo, in ..orei.ln. .IIY ri.ht or remod,
her.und.r, or other"l.. .lIorded by .pp1ic.ble 1.1Y, .h.1I nol be . w.lve, alar precludo lhe aercbe of .n, "",h rI.hl or
remedy.
II. Succusor, .nd As,I.n. !lound; lolnt and Se..rel I.l.blllty: Cu.,l.noll. Thc co.on'lIts .nd ..roemonl.
hOloin conl.lned .h.1I bind, .nd Ih. ri,hl.o ho..under .h.1I inlllo to, the respectl.e IUlXICSlIOII .nd '.,M of Lend., .nd
80llo"er. IUbJecllo Iho provllioM of "''''fOph 16 hereol. All cov.n.nll .nd 'Ireemeftll olllorrower ",.11 be joint .nd
lO.erll. An, Borro"er "ho Clnll!l' thll MarlS.... but dOlI not execute lhe Nole, (.) is co..I.nine Ihl. Mort.... OIlJllo
morIS..... ."nl .nd CDn..ylh.lllorrower's Interm In tho Pro~/IY 10 Lendcr under Iho lorm. ollhls Morlcel... (b) is
not person.lly Ii.blo on Iho Nole or under thl. Mort,".e, Indlc) 'crees Ih.tlender .nd .ny other Borro".r her,under
m.y 'Iroo 10 o.tond, modll" lorbeer, n, m.ko .ny mher .ccommod.tionl wilh ,.prd to Ih. lerm. 01 Ihi. Motl.... or
Ihe Note withouI Ihll Dorro....r.. colISent .nd .ilhoul rel...ln. Ih.1 IIorrower or modllyln. thl. Mo,l..,e IS 10 Ih.1
Dorrower'sInter..tIn Ih. Property. .
12. NOllce. Eacer,t lor .ny nollc. Itquired under 'ppliceble I.w 10 be liven In .nolher m.nn.r. (.) .ny nolloo 10
DOllo..r pro.ided or In Ihl. Marl.... .h.1I be .iven by dell.orin. il or by m.lIln. ouch nolleo by cerlilied m.lI
.ddressecllo Ilorrow., .tlhe Prope,ly Add,... or .I.uch oth.. .dd,... II Dorro"er m., desl,nlle by nollce 10 Lender
II pro.lded horoin, .nd (b) .ny noli.. 10 I..nder .h.lI be fiven by ce,liIled m.lIlo lender'. .dd,... .lIled horeln at to
luch olher .ddr... II Lender m.y d..i,n.le by noli.. 10 Iorm"., II pro.ided herein. Any nOllce provided lor In Ihl,
Mnrl..,. .h.II be deemed 10 hIV. been liven to normw., or !.ender wh.n liven In Ihe m.nner deoipllled h..tin.
13. (iovernln~ J....; Severability. Tho .1:11. .ndloc.II.", .pp1lcebl. 10 lhl. Morl..i. Ih.II be Ih. I.... ollhe
jurlsdlclion in IIhlCh Ih. Proper I, I. lnclled, The lu,.,olnllOnlonce Ih.II nOI IImillho "l'pII..bllll, or rederelllw 10
Ihi, Morl"I', In lho eyonllh.llnr. pro.i,ion or cl.U$e of thi. Monce.e or tI,. Not. conflicll ..ith .fltlli''Iblo llW, IUch
""nlliet .h.II not .lIeel olher pro. .Inlll ollhis Mort,"co or Ihe Nolo which ctn be liven olfeel wlthoullh. ClIn",clin,
e,o'i,ion, Ind 10 Ihi. end Ihe pro.ilion. ollhis Mnrl.... .nd the Nolo .re dec.".d II) he lI.erebl.. As uted herein,
cnsll; ...pena.... .od '.llornoy.' lees' Includ. III .Um. 10 Ih. oltonl nol pmhlbiled hy .pplfcoblo IllY or IImlled
her.ln, '
14, DOrl"wer', C"py. ll.",ow.. 11/1111 be lurnlshed. conlormed c"py 01 tho NOle Ind 01 Ihi. Mo/treo .tlh.time
01 OIecullon or .lIer rcco,d.lion h...u',
1$, Rehlbllll.llon Lo.n A.relm.nl. llnrro"er .holl rulnll .11 01 DormIYer's obllS'lion.~ under .ny homo
reh.bllllllion, ImplO'emon~ ,"".It. or olher '".n .s,..m.nl which 110,,0"" onl..s inln ..Ith l.ender. l.ender, II
l.ender'. opUon, m.y requi,. 1Ic."".... 111 "oclllo and dollvor lu Lende" in . I",m Iccepl.blo I" I..nder, .n ...I.nment
or .ny ,I,filll, c aim. or delenses which lIo"ow.. m.y hlVo 'lflnll Plltl.. ..ho lupply'.""r. mlleri.,. or so"l... In
ennneclion "lth improvemenll m.de In lhe Prope,ly.
16, 'J'r.Mr.r of the PrupetlY. IIlk"",..., ..II, or tran.lerl .11 lit .ny po,t 01 Iho l'lllpe,ty "r In inlerllltlhereln,
OIcludlns (0) Iho crcelion or . lien or encumbrance rubordln.loto Ihl, Morll.,e. (h) . Irlnslcr by dovilO, d_l. or by
operalion 01 I.IY llron Ih. d..lh 01 . joinl len.nt. Ie) Ihe lrant or Iny .....hold Inl.reol of three Y"" or I.... 0111
conl.lnlns .n opliun In purch..... (d) th. crOlUun ul . purch..o money m:urlly Inlerest lor household '1'P1l.ncOl, (0) .
lronsler 10 . rel.live 'OIultin. rrom lhe dealh or . Ilorro..er, (I) . Innsler where lhe .pllln. 0' children ollhe Ilotrn"tr
becom. .n n"nt, 01 tho prope,ly. (.) . Inn"., ..."Ilin, IlClm . decree 01 dls.""huinn 01 m."I.se. 1...1 repor.Unn
D"01.tJ Mer..... ". " PAOtua
.. ---i"(}t.. c.o~
him" ,t. ' r~:.i ') .)
I'I'lR 23 '15 09lol11l'1 ~C ~~EPT
, P.5,.6
, '.
.
......
--
...
..r"m.n~ or lrom .n Ine/d.nlll P'Ope,l, 1I1I1.mllll I.reem'n~ b, .hich lb. .pouoe 01 lhe Bo,ro.., becom.. In
o.n., 01 Ih. proper I,. (h) . Innll., Inlo In Inl... .1.00IMI in .hlch lhe Bo,rowlt I. .nd r.mlllll I boneIlcl." .nd
"hleh do.. nol relll. 10 I Innll.r 01 ,i.hl. 01 OCCUp.llC}' In Ih. properl" or Ii) In, o1htt UI"".' or dllpOllllon
d"",lbod In ".ullllonl p,_,lbod b, Ih. Pod.ral Hom. loin O.nk JIoo,d. Do'ro...., .hlll .._ 10 be oubmlllod
Inlo,m.tlon requl,.d b, Lend., 10 o'llu.t. Ih. I,.nol.,.. II 1/ . n.. loon w." belna m.do 10 tho IrllIIl.,... Borro..,
.11I continue 10 be ObU.1l1d und., Ih. NOI. .nd Ihi. Motl.l.o unl... lAnd., m..... Bot,ow., In .rlllna.
II Lende, dOlI nol laroo 10 ovch III. or ulnller, L.ndor m., deel... III 01 Iho .um. IIC./fed b, IhI. MOIl.... 10 be
Immedl.t.l, due .nd pI,.bl., If Lend., u.rc/o.. ovch opllon 10 .ced.r.l.. Lendor .hlll mill Dorro... noli.. 01
.ccol.nllun In .ccord.neo wilh por..'lph 12 hoteol, Such nolIL" Ihlll pro.ld. . pe,lod 01 nOII_ Ihln .30 dl" lrom the
dlt. Iho nlltl.. I. milled 01 dell..,ed .llhln which Oorro.., ml, pe, Ih. .um. ded.,ed du.. If Dorrow.r 1111. 10 po,
.uch OUm. p,ior 10 lho npfnllon 01 ouch period, L.nd., ml" IYllhoul lu,lh.r nolleo or d.m.nd on Borro.... In.oke
.n, rom.diu pl,mlllld b, p...."ph 11 h.,eol. '
NON'UNII'ORM COVHNAN'fS, Bor,o... .nd Londer lurlh., co.enlnl.nd ..,.. II lollo..r.
11. Accel...llon; Romodi... P.a..pl .. pro.id.d In pot'.'.ph 16 h.rool. upun Du,row.,'. bro.ch 01 .ny
.....n.n. <II' ..,oem.nl 01 Durro.... In Ihl. Morr...o. In.ludlna Iho co..n.nl. .0 p.y ..h.n duo In, .Untl
..cur.d by Ihl. Murt..... L.nder p,ior lu .ccel.ntlon .boll .1.0 lIolleo 10 Dorro"., II pro.ld.d In
p......ph 12 h.,ooI .pecU,ln.: III Iho brel.h; 121 Iho action requi,ed .0 ou;o .ueh b,eaeh; UI I dlle, nOli...
Ih.n 30 c1.,0 I,orn .~. d... Ih. nutle. I. m.lIed to Dllrro".r, by IYhleh .uch broleL mUll Le L'URld: Ind (41
Ih.1 1.1Iu,c 10 CUre .uch brooch on or beloro Iho d.lo .poclflod In Ih. notlco m.y ....ulllll ....l.ntlon of lhe
sum. .ceured by .hl. lIforl..... forecllHure by judlcl.1 proceedinl. .nd ,,10 of Iho Properly. ne tlo.I.. .h.l,
furll,., inlllrm lJarro"., ol.h. ,I.hl III reinolot. ofl., ....Ier.llon .nd Ih. ri.hllo _"1111 .h. foreel...ate
proceedinl Iho nOlledsl.nce 0' I d./eull or .ny olh.r def.n.e 01 Dorro...r .0 .cc:ol'''llolllllol forec'lHare. 1/
Ihe breach I. no. cured on or b.fore the dllo .peel/I.d III .h. nulfce. Lend.r. .. Lender'. opllon, m., dce'".
.U of Ih. .um. .eeured by Ihl. Morll'.. 10 be Imm.dl.lely duo .nd p.,.ble ..llhoul further dem.nd .nd
m.y loreel.... Ihl. Morl.... by Judlcl.1 pruoecdlnl. Lend.r sh.1I b. entitled 10 collect In .uch procetldinl.lI
elpen." 01 foreclOfure, In.ludlnl. bu. 1101 Iimitod 10, resson.bl. .Uorn.y,' fees .nd COlli of dl101lm...llry
e.ldence. .bolr.cls .nd Iltle "parll.
18. Dorrow,,'s Ri.h1 10 R.IIISI.lo, NOI.ithollndin, Lend.... ....I.,.tlon 0/ Ihe oum. br Ihl. Marl..,. duo to
Dorrow,,'. b,..c'" Oorrow.. .h.1I hi'. Iho ,j.hl 10 hl.e .n, p,OCftdinp bo.uo b, Lend.. 10 .n'oree Iblt Morll'l.
dircontlnuecl .1 .n, 11m. prior 10 .nlrY 0' I judrm.nl .nlorcinl Ihl. Mort,... If: (.1 Borro"er po,. L.nd.. IUIIlm.
..hleh would be lb.n duo undo, Ihl. Marl,.,. .nd Iho NOI. hid nil .ccolenliOll occurreel: (bl Dorrow.. cur. III
b,..ch.. 01 'n' olher co'.nlnll 0' ..reemenll 01 Dorrow.r tOftlllnld In Ihlt MO".Iae: (cl Borro... pi" III rellon.blc
expo.... Incurr.d b, Lender In enlo,dnllh. oo..n.nl4 Ind 'Ireemenl.o/ Borrower conlllnecl In Ihls Morll.'o, .nd In
.nlorein,Lend..'. rem.di.. II pro.lded In pe".'lph 11 h.,eol. includln,. but oolllmiled 10. realOfl.bI. IlIom.,.' flot;
.nd (dl Dorro".r I.k.. ,uch Ictlon II I..nder ml, r..sOlIIbl, require III ...ur. Ihlllh.llen 0/ lhl. Morll.... I.end.,'.
Inlereslln Ih. I'rupert, .nd IIo,mw,,'. ubll.uion '11 ('lI' Ih. lum. ."""nd br Ihl. MO,I,... .h.1I continue unlmfiircd.
Upon .ueh pI,m.n! ,.nd cure b, Borrower. Ihl. MO"CI.' Ind Ih. obll,"llono .eured hereby .hlll rem.ln In 'ul force
Ind elfecl.. II no .Cc:elerolion hid occurred,
19. AssIcnmenl 01 R.nls; Appolntmenl 01 Recel.... AI Iddlllonll _urlt, h..eunder, Dorro".r herobr ...Ips
10 Lender th. renlt 01 .Ihe Propert,. pro.ld.d IhlIDorro"" th.lI. p,lor 10 .cceler.tlon undlr pen,"ph '7 b.reol. In
.blndOllm.nl 01 lh. PI6~rty. hlv. Ih. rllhllo 0011""1 .n" r.'lln .uch ..nt. II Ih., become due .nd pe,.bl..
Upon 1...I.nlion un~ir p.rl.,.ph 1 h...ol or ,&tndonm.nl ollh. ProperlY. Lender .hlll be entitled 10 h... .
,....1.., .i>w!ntld'\tjl",.oi>u,llo .ole, upon. I.ke poaqolon of .nd m.n.... tho Prope'ly 10;1 10 colle.:! Iho tonlo 01 lb.
Properl, [ricludln, Ihciso pilI due, All renlJl collected b, lh. ..cd... .h.1I be 'ppllld /1"1 10 perm.nt 01 Ih. 00110 01
mlnlsem.nl 01 Ihe Propert, .nd collection 01 renlf. Includlne. bUI nol Iimlled 10. '...1...'. Int, premium. on
roc.I..... bond. Ind ..l8Onlbl. .1I0,ne,.' I.... .nd \hill 10 Ih. cum. _urecl by Ihl. MotlPI" Th, recei.er .h.1I be
lI.bl. 10 .ccounl onl, lor Ih_ ","lIlelu.II, roccl.eel.
20. R.I.... Upon permenllll .U .ume tecII,ed b, Ihi. Morllll', Lend., .h.1I relee.. Ihl. MO,I..... wilhout ch.rp
10 Borro"er. Do"o".r .h.1I pi' III CIIOI' 01 rocord.llon, II Iny.
21. Wli... 01 1I0mesl..d. Dorro"., hereb, ""i....1I rilhl or homeellld exemption In Ih. Propert, under oIal.or
I'ed.nlll", .
22. 'nler..1 R.IO Allo, Iudlmenl. Do"o...r 'Irees lho Inlerest nlo po,.bl. oIt., . judlment ~ 1ll1.,1d on, tho NOlo
or in In .ctllln 01 morllll' lorecf05Ut',~h.1I be Ih. rele .1.11d Inlh. Null.
..' . .
. I ',"
.. '~,BOOK l.~'M PALr &OJj
"
, .
. r..' ",
"o.!;'.:
....
, .
"'01'" M....... ,..
'A_11M
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,!
I1'lR 23 . 15 09' 42FV1 t-FC REO DP'T
P.6/6
. .
'""
.
.
.
..5-
REQUEST FOR NOTICE OP DEPAUL1'
AND I'ORECI.OSlJRB UNDER SUPERIOR
MORTOAGllS OR D1!UDS 01' TRUST
Borrow.r Ind Lender ..quOIt tho holdor 01 Iny morlllBe. deed 01 trlllt or olher encumbr.nce wllh I Ii.n which h..
prlorlly over thl, MO,III..to II v, Notice 'a Lender.lll.end.r'. ee1d... "' lorlh on pliO on. 01 this Mo,t..... of In, d,llIoI'
undor tho .uperior encumbrancelnd 01 Iny 1110 lit 11th.. 10,.,IOIu,. Ictlun.
IN WITNESS WHBRBOF. Belrrower h.. neeuted lhll Mort,.CI.
Wltnou:
~~
"
'fZ.t dA..L ?f
y-
.stlt'~~,......
.80,rowor
!::)
.e.r",...er
TItle:
Counlyor.
I. u ~n lo~a'
personllly lena n to m. to be the am' peraon. whooe n.m'l,
'ppe.red belore mo this day in person,lnd ,clenowlodc,thlt --f ho
Irco volun
Given under my h.nd Ind olliel.I...I. this
My Commlalun Illpi,er.
ISi-
IUIlIer! to tho lorlloinl in.\rUmen!,
lilnod .nd delivered tho aid instrument II
ry .et. lor tho uses Ind pUrpOlU tho...ln lit lorlh,
dlYof -E';)elL .I~.
~~ N~J7.~ ..~
Thi. Inll,umonl ,!lIli~~tv.< ""
",; ~ 1;~!.j/.1.lJS;!tJ'~'
. ':.lIlIS ...." ',N 'I~""~~' ..!
.
---,.,.,..," ..,. ,- .'.......---']'
'T ,,~'" I II '"",
r.;tJ :...f.....'.. ...... .". ,
1,,,,,,.,.( r. l~l"u}!:!, l:'~:,ty ...lil~
~v.." ..' '.. 3:" ,,0.,
.....,'...... r:""..,;!t.l~l', .Ot."J "_
...'...... ". I f'
"'1 c:,....!:~~:tht. D':~.'.'~': \....'... .t. 1C It)
-------
{Spo.. 0.10. ThI. Lln" "_,,td 1'0' Lend.. .nd "...,.,erl
~-'
'""-_..
.'
'_1101
Dl001.11 Merl".. ,..
ioii'K 121111 rAl,[ fs07
, ,
HOUSlhOld Finane,
A Hous,hold Int,mlltional
Company
96' Wetgel On.e
P 0 Sox 8832
E:mnulSl, IIlinc,s 60'26
,800/ 333.88018
HOliSEHOLD ~ FI:\A:'\CE
^r:n"^VI'J: 01' LOG'J: NO'J:J::
I
,
t
.
I
I, the undersigned, do hereby certHy that 1
.
om the representll tive of IIousp.hold F in<lnce COrpQl"lI tJOII.
1 fur ther cer tHy thn I~ :/Et..dI1,(/EtJI./,If'tJ w. /Altf I/Ec,~#,(/ /t/IREr
account ',',J'?CE-/7-?703.:;/& ,executed a fE//OLV//U:$
~O/lN ,4.,-~~/,qv;- dated ~ft!bI/9c.1 in fEl/tJL I///Jt;
, ,
monthly installments of /O,;'(,,~ , the first bein9 due oil
05' /11 JiG! 1 fur'ther certify that after eLl!o/ hc/
, I ~ I
the said ~(;ML VI/I16 IJ;1l tJ ,t/('ll77lltnj;as either 10s t
or destroyed and that there is presently an outstanding
balance of S 90, fYil(.(, '1
rate of ~Mrcent
plus interest at the contract
frorn 'I In /7C:: and S
I
in attorney fees due upon default,
Sworn and subscribed
~'19 V) "
My commission expires:
{jiwL twAU
~egal Specialist
to before me this /'6'
day of
~
. Jf1j).pA
Not ry u J.C
"OFFICIAL SEAL"
APRIL JENSEN
NOTflRY PU8l1C, STATE OF llliNOIS
MY COMMISSION EXPiRES 1(1/.0/.1
...--"
EXHIBIT E!
. .
TRACT Hlh 11
ALL the following described parcel of ground lying and being
situate in Shippensburg Township, Cumberland County,
Pennsylvania, bounded and described as follows I
BEGINNING at an iron pin on the West side of Pin Oak Lane,
thence along the West side of Pin Oak Lane, South 26 degrees
West 110 feet to an iron pin, thence along Lot No.1, Section
D, North 49 degrees, 45 minutes West 152.9 feet to an iron
pin, thence along other lands of B , G Bolding Corporation,
North 26 degrees East 72.5 feet to an iron pin, thence along
Lot No.3, Section D, South 64 degrees East 148.2 feet to the
iron pin at the place of beginning, it being Lot No.2,
Section D, in the Revised Mountain View Addition, surveyed by
John Boward McClellan, C.S., dated May, 1963.
BEING the same real estate which Audrey E. Belman, by deed
dated January 27, 1992 and recorded in the Cumberland County
Recorder of Deeds Office in Deed Book "M", Volume 35, Page
629, granted and conveyed to Edward W. Belman and Audrey E.
Belman, husband and wife, in fee.
TRACT ~ ll.
ALL the following described parcel of ground lying and being
situate in Shippensburg Township, Cumberland County,
Pennsylvania, bounded and described as follows I
BEGINNING at an iron pin on the West side of Pin Oak Lane;
thence along Lot No.2, Section D, North 64 degrees West 148.2
feet to an iron pin, thence along lands of Galen S. Asper,
North 26 degrees East, 72.5 feet to an iron pin, thence along
Lot No.4, Section D, now owned by William J. Corman and
Ardenia M. Corman, his wife, South 78 degrees 15 minutes East
153 feet to an iron pin at the West side of pin Oak Lane,
thence along the West side of pin Oak Lane on a curve to the
right having a radius of 148.2 feet, a distance of 30.3 feet
to a point, thence continuing along the West side of Pin Oak
Lane, South 26 degrees West 80 feet to the iron pin as the
place of beginning, it being Lot No.3, Section D, in the
Revised Mountain View Addition, surveyed by John Boward
McClellan, C.S., dated May, 1963.
BEING the same real estate which Audrey E. Helman, by deed
dated January 27, 1992 and recorded in the Cumberland County
Recorder of Deeds Office in Deed Book "M", Volume 35, Page
629, granted and conveyed to Edward W. Helman and Audrey E.
Belman, husband and wife, in fee.
:xh:"'!' s;
'.... ..
, .
. .
DAVID .. ,.""......
CLDISOH N. "ACIK..IlI.
MNlMca._
CAN,.D, CI'ONfU, 1M. ....
""'"' ALntOUH
HA,llUlN'D,11."--'"
KAftaN I'DtVO LQNCIGJacI ~
~WNJ.LAU.
L~K.MUST
~D.McMUNICIA&.
"A11UOC T. aAIUW1T
IU&&H N. DDWlIO
_J...."..,.,.,.
......M. SOCJDT
KrJINW, ~.'
............... WI..........,
BINGAMAN, HESS, COBLENTZ & BELL
A PRO~ESSIONAL CORPORATION
ATTORN~ AT LAW
NO PIlNN SQUAR!! CE~' eol PIlNN STR!!I!T
P,O. BOX III
RI!AOINa. PIlNNSV\"VANIA IlIeoJoOllIll
TIlL!PHON!! (1l10) 374.un
~AX. (1l101 S71503l0S
U&WD.LVN R. ""-1."'"
fU,VMCIfrG K.....
J. WWND&I.~ FITZ
lUU'MJ.A&.THOU8&.IlI.
MIU.L.D ".IICIAI.
OP .........
..sAMa fI, aaJ.
.....1..
--... .......
81 MA8lf."..,.
~"AINOI
C"0J .-..oeM
TAltl!: ACTJ:ON TO SAVE YOUR HOME FROM FORECLOSURE
--.......
4"~ST,
CAMDDf.NJ0I1OZ
The Commonwealth of Pennsylvania's Homeowner's Emergency 1_'....111
Mortgage Assistance Program may be able to help you. Read th~l-'--
following notice to find out how the program works.
La notificacion en adjunto es de suma importancia, pues
afecta sue derecho a continuar viviendo en su casa. Si no
comprende el contenido de esta notificacion obtenga una
traduccion immediatemente llamando esta agencia (Pennsylvania
Housing Finance Agency) sin cargos al numero mencionado arriba.
puedes ser elegible para un prestamo por el programo llamando
"Homeowner's Emergency Mortgage Assistance Program" el cual puede
salvar su casa del la perdida del derecho a redimir su hipoteca.
IMPORTANT NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983
TO I EDWARD HELMAN
117 Pin Oak Lane
Shippensburg, PA 17257
AUDREY HELMAN
117 Pin Oak Lane
Shippensburg, PA 17257
FROM I Clemson N. Page, Jr., Esquire
Attorney for Household Realty Corporation
660 Penn Square Center
601 Penn Street, P,O. Box 61
Reading, PA 19603-0061
CREDITOR I HOUSEHOLD REALTY CORPORATION
DATE OF NOTICEI March 24, 1995
The mortgage on your property located at 117 Pin Oak Lane,
Shippensburg, Cumberland County, Pennsylvania, is in serious
default because you have failed to pay promptly monthly
installments, as required, for a period of at least sixty (60)
days. The total amount of the delinquency is $10,630,00
representing unpaid installments of principal and interest for
the months of Mai", 1994 through March, 1995. Interest will
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Edward Helman
Audrey Helman
March 24, 1995
PAGE 2 OF 4
continue to accrue on this account at the contract rate
(currently, 13.00t per annum, $27,74 per diem),
You may be eligible for financial assistance that will
prevent foreclosure on this mortgage if you comply with the
provisions of the Homeowners' Emergency Mortgage Assistance Act
of 1983 (the "Act"), You may be eligible for emergency temporary
assistance if your default has been caused by circumstances
beyond your control, and if you meet eligibility requirements of
the Act as determined by Pennsylvania Housing Finance Agency.
Please read all of this Notice, It contains an explanation of
your rights.
Under the Act, you are entitled to a temporary stay of
foreclosure on your mortgage for thirty days (30) from the date
of this Notice. During that time you have the right to arrange a
"face-to-face" meeting with a representative of this lender, or
with a designated consumer credit counseling agency. The purpose
of that meeting is to attempt to work out a repayment plan, or to
otherwise settle your delinquency. This meeting must occur in
the next thirty (30) days,
If you attend a face-to-face meeting with this lender, or
with a consumer credit counseling agency identified in this
notice, no further proceedings in mortgage foreclosure may take
place for thirty (30) days after the date of that meeting.
The name, address and telephone number of our representative
is:
Clemson N, Page, Jr" Esquire
BINGAMAN, HESS, COBLENTZ & BELL, P.C,
660 Penn Square Center, 601 Penn Street
P,O, Box 61
Reading, PA 19603-0061
(GtO) 374-8377
The names, addresses and phone numbers of designated credit
counseling agencies are:
CONSUMER CREDIT COUNSELING
SERVICE OF WESTERN PA, INC.
2000 Linglestown Road
Harrisburg, PA 17102
[717) 541-1757
FINANCIAL SERVICES LIMITED
117 West 3rd Street
Waynesboro, PA 17268
[717) 762-3285
Natalie Newcomer
"
, .
~~~
Edward Helman
Audrey Helman
March 24, 1995
PAGE 3 OF 4
URBAN LEAGUE OF METROPOLITAN
HARRISaURG
25 N, Front Street
Harrisburg, PA 17101
FAX # [717] 232-4985
YWCA OF CARLISLE
301 G Street
Carlisle, PA 17013
[7l7] 243-3818
FAX # [717] 243-3948
It is only necessary to schedule one face-to-face meeting, You
should advise the lender immediately of your intentions,
If you have tried and are unable to resolve this problem at or
after your face-to-face meeting, you have the right to apply for
financial assistance from the Homeowners' Emergency Mortgage
Assistance Fund, In order to do this, you must fill out, sign
and file a completed Homeowners' Emergency Mortgage Assistance
Application with the Pennsylvania Housing Finance Agency, The
consumer credit counseling agency will assist you in filling out
your application, It must be filed or costmarked within thirtv
(30) davs of Your face-to-face meetina.
You must either mail your application to the Pennsylvania
Housing Finance Agency, or you must file it at the office of the
designated consumer credit counseling agencies listed above.
The Pennsylvania Housing Finance Agency is located at: 2101
North Front Street, P.O, Box 8029, Harrisburg, PA 17105.
Telephone number 717-780-3800 or 800-342-2397 (toll free number) .
An application for assistance may be obtained from a
consumer credit counseling agency, or directly from the
Pennsylvania Housing Finance Agency,
It is extremely imnortant that vou file Your annlication
cromctlv. If yOU do not do so. or if vou do not follow the other
time ce~iods set forth in this letter. foreclosure may croceed
aaainse your home immediately.
Available funds for emergency mortgage assistance are very
limited. They will be distributed by the Agency under the
eligibility criteria established by the Act.
It is extremely important that your application is accurate
and comDlete in every respect. The counseling agency will help
you to fill out the application. The Pennsylvania Housing
Finance Agency has sixty (60) days to make a decision after it
Sincerely,
P,C.
..
.' .'
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. .
Edward Helman
Audrey Helman
March 24, 1995
PAGE 4 OF 4
receives your application, During that additional time, no
foreclosure proceeding will be pursued against you if you have
met the time requirements set forth above, You will be notified
directly by that Agency of its decision on your application,
At or about the same time you receive this notice, you will
be receiving another notice from this lender under Act 6 of 1974.
That notice is called as "Notice of Intention to Foreclose", You
must read both notices, since they both explain rights that you
now have under Pennsylvania law. However, if you choose to
exercise your rights described in this Notice, we cannot
foreclose upon you during that time. Also, if you receive
financial assistance from the Pennsylvania Housing Finance Agency
your home cannot be foreclosed upon while you are receiving that
assistance.
By:
Corporation
Certified Mail; Return Receipt Requested
and Regular First Class Mail
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BINGAMAN, HESS, COBLENTZ & BELL
A PAOI'E5SIONAL COAPORA'T10N
ATTORNEYS AT LAW
eeo P~NN SQUAll!! CI!NTEA' eal PENN STA~ET
P,O, BOX 81
AEADING. PIlNNSVLVANIA llll105.ooel
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AUDREY HELMAN _'....."T
117 Pin Oak Lane ......-,........
Shippensburg, PA 17257
TO:
EDWARD HELMAN
117 Pin Oak Lane
Shippensburg, PA 17257
Cl~mson N, Page, Jr" Esquire
Attorney for Household Realty Corporation
660 Penn Square Center
601 Penn Street, P,O, Box 61
Reading, PA 19603-0061
CREDITOR: HOUSEHOLD REALTY CORPORATION
FROM:
Account No,: 713303-17-890346
Mortgaged Premises: 117 Pin Oak Lane
Shippensburg, PA 17257
NOTrCE Oli' rN'l'EN'l'rON TO FORECLOSE MORTGAGE
THE MORTGAGE held by Household Realty Corporation on
property located at 117 Pin Oak Lane, Mechanicsburg, Cumberland
County, Pennsylvania, IS IN SERIOUS DEFAULT because you have not
made the following monthly payments of principal and interest:
May, 1994 through March, 1995
The total amount now required to cure the default, or in other
words, get caught up in your payments as of the date of this
letter is:
$10,630.00
Interest will continue to accrue on this account at the contract
rate which is currently 13,00% per annum,
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EDWARD HELMAN and
AUDREY HELMAN
March 24, 1995
Paae 2 of 3
You may cure the default within THIRTY (30) DAYS of the date of
this letter by paying to Household the above amount PLUS any
additional monthly payments and late charges which may fall due
during this period, Such payment must be in the form of cash,
cashier's check, certified check, or money order and made at the
office of Household Realty Corporation, 961 Weigel Drive, P,O,
Box 8632, Elmhurst, IL 60126-8632, Payment may be made by mail,
but must be received in our office by the time specified by this
notice,
If you do not cure the default within THIRTY (30) DAYS, we intend
to-exercise our right to accelerate the mortgage payments, This
means that whatever is owing on the original amount borrowed will
be considered due immediately, and you may lose the chance to pay
off the original mortgage in monthly installments. If full
payment of the amount of default is not made within THIRTY (30)
DAYS, we also intend to instruct our attorneys to start a lawsuit
to foreclose your mortgaged property, If the mortgage is
foreclosed, your mortgaged property will be sold by the Sheriff
to payoff the mortgage debt, If we refer your case to our
attorneys, but you cure the default before they begin legal
proceedings against you, you will still have to pay the
reasonable attorney's fees actually incurred, up to $50.00.
However, if legal proceedings are started against you, you will
have to pay reasonable attorney's fees even if they exceed
$50,00, Any attorney's fees will be added to whatever you owe
us, which may also include our reasonable costs.
IF YOU CURE THE DEFAULT WITHIN THE THIRTY (30) DAY PERIOD, YOU
WILL NOT BE REQUIRED TO PAY ATTORNEY'S FEES,
We may also sue you personally for the unpaid principal balance
and all other sums due under the mortgage.
If you have not cured the default within the thirty (30) day
period and foreclosure proceedings have begun, you still have the
right to cure the default and prevent the sale at any time up to
one hour before the Sheriff's foreclosure sale. You may do so by
paying the total amount of the unpaid monthly payments plus any
late or other charges then due, as well as the reasonable
attorney's fees and costs connected with the foreclosure sale,
It is estimated that the earliest date that such a Sheriff's sale
could be held would be approximately six (6) months from now, A
notice of the date of the Sheriff's sale will be sent to you
before the sale. Of course, the amount needed to cure the
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EDWARD HELMAN and
AUDREY HELMAN
March 24, 1995
Paae 3 of 3
'1311.1
default will increase the longer you wait, You may find out at
any time exactly what the required payment will be by calling
Household at the following number: (800) 333-5848, This payment
must be in cash, cashier's check, certified check, or money order
and made payable to us at the address stated on the front of this
notice.
You should realize that a Sheriff's sale will end your ownership
of the mortgaged property and your right to remain in it, If you
continue to live in the property after the Sheriff's sale, a
lawsuit could be started to evict you.
You have additional rights to help protect your interest in the
property,
YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY
OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING
INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL
OR TRANSFER THE PROPERTY, SUBJECT TO THE MORTGAGE, TO A BUYER OR
TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL
OF THE OUTSTANDING PAYMENTS, CHARGES, AND ATTORNEY'S FEES ARE
PAID PRIOR TO OR AT THE SALE. CONTACT US TO DETERMINE UNDER WHAT
CIRCUMSTANCES THIS RIGHT MAY EXIST, YOU HAVE THE RIGHT TO HAVE
THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
If you cure the default, the mortgage will be restored to the
same position as if no default had occurred. However, you are
not entitled to this right to cur your default more than three
(3) times in any calendar year.
]
Clemso N age, Jr., Esquire
BINGAMAN, HESS, OBLENTZ & BELL, P,C,
(610) 374-
Attorneys for Household Realty
Corporation
CERTIFIED MAIL AND REGULAR MAIL
Si Ud, no comprende el contenido de este aviso tanga la bondad de
hacer traducirlo ya que contiene informacion de suma importancia
con respect 0 a su propiedad.
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IN THE
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
PENNSYLVANIA
HOUSEHOLD REALTY CORPORATION
Plaintiff
VS.
DWARD W. HELMAN and
UDREY E. HELMAN,
Defendants
o.
ction in Mortgage
oreclosure
COMPLAINT IN MORTGAGE
FORECLOSURE
Clemson N. Page, Jr.,
Esquire
:*:
BINGMl^N, HESS. COBLENTZ & BELL
^ Professional corporallon
eea PENN SQUARE CEN'TEA
eol PENN STREET
RO. BOX 81
READING. PENNSYLVANIA llll103.QOllI
(810) 574-&17
FAX (eIO) 378-3'05
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72971.1
BINGAMAN, HESS, COBLENTZ , BELL, P.C.
BYI Cl..son H. Page, Jr., Esquire
Identifioation No. 25&1&
&&0 Penn Square Center
&01 Penn Street
P.O. Box &1
Reading, PA 19&03-00&1
(&10) 374-8377
Attorney for Plaintiff
IN THE COURT 01' COHHOH PLEAS 01'
CUMBERLAHD COUHTY, PEHHSYLVAIIIA
HOUSEHOLD REALTY CORPORATION,
d/b/a HOUSEHOLD FINANCE CONSUMER
DISCOUNT COMPANY
961 Weigel Drive
P.O. Box 8632
Elmhurst, IL 60126-8632
Plaintiff
.
.
NO. lllll !If ln3
c/5-- 3j~( G;",,4-L (j~l'--
.
.
.
.
.
.
vs.
:
EDWARD W. HELMAN and
AUDREY E. HELMAN,
husband and wife
Defendants
ACTION IN MORTGAGE
FORECLOSURE
PRAECIPE I'OR JUDGHENT AGAINST
DEPENDANTS I'OR I'AILURE TO PLEAD
TO THE PROTHONOTARY:
Please enter judgment in favor of the plaintiff, Household
Realty corporation d/b/a Household Finance Consumer Discount
Company, and against the Defendants, Edward W. Helman and Audrey E.
Helman, jointly and severally, for failure to plead to Plaintiff's
Complaint in Mortgage Foreclosure in the above matter, as follows:
Unpaid Principal:
$ 79,400.00
Interest at the contract rate,
(currently $28.67 per diem)
through July 21, 1995:
13,406.14
Reasonable attorneys' fees of
5% of the unpaid principal
balance said reasonable attorneys'
fees authorized by the Mortgage:
3,970.00
$ 96,776.14
TOTAL AHOUHT DUEl
Dated: July 'ZS, 1995.
By:
Esquire
together with interest torward tram July 22, 1995 at the contract
rate (currently, $28.67 per diem) and all additional costs at this
action, including attorneys' tees incurred, and tor the toreclosure
and sale ot the mortgaged premises located at 117 pin Oak Lane,
Shippensburg, Cumberland county, Pennsylvania 17257.
This action is tiled pursuant to Act ot January 30, 1974 P.L. No.
6 (41 P.S. 101 et seq.), therefore, notice under Pennsylvania Rule
at civil Procedure 237.1 is not required.
12971.1
IN THB COURT O~ COHKON PLBAS O~
CUMBBRLAND COUNTY, PBNNSYLVANIA
HOUSEHOLD REALTY CORPORATION
d/b/a HOUSEHOLD FINANCE CONSUMER
DISCOUNT COMPANY,
961 Weigel Drive
P.O. Box 8632
Elmhurst, IL 60126-8632
Plaintiff
NO. 801 OF 1995
BINGAMAN, HESS, COBLENTZ & BELL, P.C.
By: Clemson N. Page, Jr., Esquire
Identification No. 25616
660 Penn square Center
601 Penn Street
P.O. Box 61
Reading, PA 19603-0061
(610) 374-8377
Attorney for Plaintiff
:
.
.
:
vs.
:
EDWARD W. HELMAN and
AUDREY E. HELMAN,
Husband and Wife
.
.
.
.
ACTION IN MORTGAGE
FORECLOSURE
Defendants
AFFIDAVIT OF NON-MILITARY SBRVICE
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF BERKS
.
.
ss.
Clemson N. Page, Jr., Esquire, being duly sworn according to
law, deposes and says that he is counsel for Household Realty
Corporation d/b/a Household Finance Consumer Discount Company,
Plaintiff herein, and states the following:
1. The defendants, Edward W. Helman and Audrey E. Helman,
are not, to the best of his knowledge, in the military or naval
service of the united states or its allies, or otherwise within the
provisions of the Soldiers' and Sailors' civil Relief Act of 1940,
as amended.
'/2971,1
2. The defendants, Edward W. Helman and Audrey E. Helman,
are more than 21 years of age and currently reside at 117 pin Oak
Lane, Shippensburq, Lackawanna county, pennsylvania 17257.
3. He has ascertained the above information by personal
investiqation and makes this affi~avit w:~r due ~~hority.
I f/ )
I '
Sworn to and subscribed before
me this 29th day of July, 1995.
11~UfS ~
NoIarIaISeal
MaIy s. Ria:ius, Nc*lry P\JlIIc
RealIng, Beri<s COOnly
My c...,,, 1is$oI, ExpIres Jl.nJ 30, 1997
1 NoW.e5
'72971.1
IN TBB COURT OF COKKON PLBA8 or CUKBBRLAHD COUNTY, PBNH8YLVAHIA
J~tu
;.y , 1995
Mr. Edward W. Helman
117 Pin Oak Lane
Shippensburg, PA 17257
Re: Household Realty Corporation d/b/a Household Finance
Consumer Discount Company, Plaintiff
vs. Edward W. Helman and Audrey E. Helman, Defendants
No. 801 of 1995
CUmberland Countv Court of Common Pleas
Dear Mr. Helman:
Household Realty Corporation d/b/a Household Finance Consumer ·
Discount Co. this date has entered judgment against you in the
amount of $96,776.14, together with interest forward from July 22,
1995 at the contract rate (currently, $28.67 per diem), together
with all additional costs of this action, including attorneys' fees
incurred, and for the foreclosure and sale of the mortgaged
premises located at 117 Pin Oak Lane, Shippensburg, Cumberland
County" Pennsylvania. This judgment was entered to No. 801 of
1995, in the Court of Common Pleas of Cumberland County,
Pennsylvania.
Prothonotary
Court of Common Pleas
Cumberland Coun y, Pennsylvania
.
72971.1
:IN TBB COURT OF COMMON PLEAS OF CtJMEIERLAND COUNTY, PENNSYLVAN:IA
\\ ).-Q'
U LLL(j 0, 1995
Mrs, Audrey E. Helman
117 Pin Oak Lane
Shippensburg, PA 17257
Re: Household Realty Corporation d/b/a Household Finance
Consumer Discount Company, Plaintiff
VS, Edward W, Helman and Audrey E, Helman, Defendants
No, BOl of 1995
Cumberland County Court of Common Pleas
Dear Mrs, Helman:
.
Household Realty Corporation d/b/a Household Finance Consumer
Discount Company this date has entered judgment against you in the
amount of $96,776.14, together with interest forward from July 22,
1995 at the contract rate (currently, $28,67 per diem), together
with all additional costs of this action, including attorneys' fees
incurred, and for the foreclosure and sale of the mortgaged
premises located at 117 Pin Oak Lane, Shippensburg, PA 17257,
CUmberland County, Pennsylvania, This judgment was entered to No.
801 of 1995, in the Court of Common Pleas of Cumberland County,
Pennsylvania,
Pennsylvania
.
12171.1
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY,
PENNSYLVANIA
HOUSEHOLD REALTY CORPORATION,
d/b/a HOUSEHOLD FINANCE
CONSUMER DISCOUNT COMPANY
961 Weigel Drive
P,O, Box 8632
Elmhurst. IL 60126-8632
vs.
EDWARD W, HELMAN and
AUDREY E, HELMAN,
husband and wife
PRAECIPE FOR JUDGMENT
AGAINST DEFENDANTS FOR
FAILURE TO PLEAD
Clemson N. Page, Jr,. Esquire
:*::
BING~^N. HESS. COBLENTZ & BELL
^ Professional corporollon
eeo PENN SQUARE CENTER
eot PENN STREET
RO. BOX O'
READING. PENNSYLVANIA 19603.Q081
(810)374-8317
FAX (SIO) 31.3105
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BINGAHAN, HBSS, COBLENTZ , BELL, P.C.
BYI cl...on N. Page, Jr., Esquire
I4entifioation No. 25'1'
"0 Penn square Center
P.O. Box U
aea4ing, PA 19'03-00'1
(UO) 374-8377
Attorney f~r Plaintiff
IN THB COURT OP COMMON PLEAS OP
CUMBERLAND COUNTY, PENNSYLVANIA
HOUSEHOLD REALTY CORPORATION,
d/b/a HOUSEHOLD FINANCE CONSUMER
DISCOUNT COMPANY
Plaintiff
NO. 95-3341 Civil
VS,
EDWARD W. HELMAN and
AUDREY E. HELMAN,
husband and wife
Defendants
.
.
ACTION IN MORTGAGE
FORECLOSURE
PRAECIPE TO VACATE JUDGMENT
TO THE PROTHONOTARY:
Please vacate the judgment entered on July 28, 1995, against
the Defendants in the above mortgage foreclosure proceeding,
without prejudice.
Dated: September 13, 1995
BINGAMAN, HESS, COBLENTZ & BELL, P.C.
By:
~ '~ ~
'-I . '" I k t:;, Ll; II . 10.1
Clem~on N. Page, Jr., Esq ire
.
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BIKOANAH, HESS, COBLENTZ , BELL, P.C.
BYI Ole..on N. paqe, Jr., Esquire
Identifioation No. 25616
..0 .enn Square Center
.01 .enn Street
'.0. Box 61
.eadin;, PA 19603-0061
(110) 374-8377
Attorney for Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBBRLAND COUNTY, PENNSYLVANIA
HOUSEHOLD REALTY CORPORATION,
d/b/a HOUSEHOLD FINANCE CUNSUMER
DISCOUNT COMPANY
961 Weigel Drive
P.O. Box 8632
Elmhurst, IL 60126-8632
Plaintiff
.
.
.
.
.
.
vs.
.
.
.
.
EDWARD W. HELMAN and
AUDREY E. HELMAN,
husband and wife
Defendants
:
.
.
NO. 95-3341 civil
ACTION IN MORTGAGE
FORECLOSURE
PRAECIPB FOR JUDGMENT AGAINST
DEFENDANTS FOR FAILURB TO PLEAD
TO THE PROTHONOTARY:
Please enter judgment in favor of the plaintiff, Household
Realty Corporation d/b/a Household Finance Consumer Discount
Company, and against the Defendants, Edward W. Helman and AUdrey E.
Helman, jointly and severally, for failure to plead to Plaintiff's
Complaint in Mortgage F~reclosure in the above matter, as follows:
Unpaid principai:
Interest at the contract rate,
(currently $28.67 per diem)
through September 13, 1995:
Reasonable attorneys' fees of
5% of the unpaid principal
balance said reasonable attorneys'
fees authorized by the Mortgage:
TOTAL AMOUNT DUB:
$ 79,400.00
14,954.32
3.970.00
$ 98,776.14
72971.1
By:
u ,.' --].7
;}--l ( .... -, I (-., oi..U I ( 1-/(-(1. (
Clemson N. Page, Jr., Esquire'
together with interest forward from september 14, 1995 at the
contract rate (currently, $28.67 per diem) and all additional costs
of this action, including attorneys' fees incurred, and for the
foreclosure and sale of the mortgaged premises located at 117 pin
Oak Lane, Shippensburg, Cumberland county, Pennsylvania 17257.
Dated: september 13, 1995
BINGAMAN, HESS, COBLENTZ & BELL, P.C.
Attorneys for plaintiff
\
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'n9'II,1
BINGAMAN, HESS, COBLENTZ , BELL, P.C.
By: Clemson N. paqe, Jr., Esquire
Attorney I.D. No. 25616
660 Penn Square Center, P.O. Box 61
Reading, PA 19603
Telephone: (610)374-8377
HOUSEHOLD REALTY CORPORATION,
d/b/a HOUSEHOLD FINANCE
DISCOUNT CO.
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PENNA.
NO. 1995-3341 Civil Term
Plaintiff
vs.
EDWARD W. HELMAN and
AUDREY E. HELMAN,
Defendants
ACTION IN
MORTGAGE FORECLOSURE
TO: Mr. Edward W. Helman
117 Pin Oak Lane
Shippensburq, PA 17257
DATE: September 1, 1995
IMPORTANT R'OTIC!:
YOU ARB IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN
APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE
COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST
YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE,
A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY
LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD' TAKE THIS
NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT
AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT
WHERE YOU CAN GET LEGAL HELP.
Court Administrator
Centre County Courthouse
Allegheny Street
Bellefonte, PA 16823
Telephone: (814) 355-6727
BINGAMAN,
COBLENTZ
.C.
By: ,
Clem on N. paqe, Jr.
Attorneys for Plainti
EXHIBIT A
7"",1
BINGAMAN, HESS, COBLENTZ , BELL, P.C.
By: Clemson N. Page, Jr., Esquire
Attorney 1.0. No. 2561~
660 Penn Square Center, P.O. Box 61
Reading, PA 19603
Telephone: (610)374-8377
HOUSEHOLD REALTY CORPORATION,
d/b/a HOUSEHOLD FINANCE
DISCOUNT CO.
IN THE COURT OF COMMON PLBAS
OF CUMBERLAND COUNTY, PENNA.
NO. 1995-3341 Civil Term
Plaintiff
vs.
ACTION IN
MORTGAGE FORECLOSURE
EDWARD W. HELMAN and
AUDREY E. HELMAN,
Defendants
TO: Mrs. Audrey E. Helman
117 pin Oak Lane
Shippensburg, PA 17257
DATE: September 1, 1995
IMPORTANT BOTICB
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN
APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE
COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST
YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE,
A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY
LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS
NOTICE TO A LAWYER AT ONCE. IF YOU 00 NOT HAVE A LAWYER OR CANNOT
AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT
WHERE YOU CAN GET LEGAL HELP.
Court Administrator
Centre County Courthouse
Allegheny Street
Bellefonte, PA 16823
Telephone: (814) 355-6727
P.C.
By:
1nn.l
BINGAMAN, HESS, COBLENTZ & BELL, P.C,
By: Lynne K. Beust, Esquire
Identification No. 33759
660 Penn Square Center
601 Penn Street
P,O. Box 61
Reading, PA 19603-0061
(610) 374-8377
Attorney for Plaintiff
IN THB COURT 01" COMMON PLEAS 01"
CUMBERLAND COUNTY, PENNSYLVANIA
HOUSEHOLD REALTY CORPORATION
d/b/a HOUSEHOLD FINANCE CONSUMER
DISCOUNT COMPANY,
961 Weigel Drive
P.O, Box 8632
Elmhurst, IL 60126-8632
Plaintiff
NO, 1995-3341
vs.
EDWARD W, HELMAN and
AUDREY E. HELMAN,
Husband and Wife
ACTION IN MORTGAGE
FORECLOSURE
Defendants
AFFIDAVIT 01" NON-MILITARY SBRVICB
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF BERKS
ss.
Lynne K. Beust, Esquire, being duly sworn according to law, deposes
and says that she is counsel for Household Realty Corporation d/b/a
Household Finance Consumer Discount Company, Plaintiff herein, and states
the following:
1. The defendants, Edward W. Helman and Audrey E. Helman, are
not, to the best of her knowledge, in the military or naval service of
the United States or its allies, or otherwise within the provisions of
the Soldiers' and Sailors' civil Relief Act of 1940, as amended.
129'71.1
2, The defendants, Edward W. Helman and Audrey E, Helman, are
more than 21 years of age and currently reside at 117 Pin Oak Lane,
Shippensburg, Lackawanna County, Pennsylvania 17257.
3, She makes this affidavit with due authority based upon
information provided to her by the Plaintiff,
I
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12971.1
~:I~ .t
LynnJ K,
-<.l J<
Beust
IloII'/1
Sworn to and subscribed before
me this 13th day of September, 1995.
~S~~
NoIaIlaI Seal
MIrY S. RioduS. NoIlVy P\tJIIo
Roodn(], - CoonIy
Myc...."I...or' &pIreo.Anl30. 1997
. umsytvN:i:l ~~...(>.'
IN THE
COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PA
... .....-...
,~._- \.
HOUSEHOLD REALTY
CORPORATION
d/b/a HOUSEHOLD FINANCE
DISCOUNT CO.
SEP 13 4 2.0 rK '95 q' J . J
~~ {/3{?r
; '. UHlcr ~
f1f ~ ,iO,:~i'\"Y
(: ' : ',j) ~,' '1rY
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vs.
1/ f.thJ~.~,
EDWARD W. HELMAN and
AUDREY E. HELMAN
No. 1995-3341 Civil Term
tuAU -( E1r
PRAECIPE FOR ENTRY
OF DEFAULT JUDGMENT
AGAINST DEFENDANTS
Clemson N. Page, Jr.,
Esquire
:*:
BINGAMAN. HESS. COBLENTZ & BELL
^ Professklnal CorporallOO
680 PENN SQUARE CENTER
eat PENN STREET
RO.BOxel
READING. PENNSYLVANIA t9603.oollt
(StO)374-a377
FAX (810)37.3105
Dt If ~ 5'7(,3
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IN THE CXXJRl' OF ~ PlEAS OF ClHIERLAND COONIY, PE1ft>YLVANIA
CIVIL DIVISIOO
HOUSEHOLD REALTY CORPORATION,
d/b/a HOUSEHOLD FINANCE CONSUMER .
DISCOUNTY COMPANY
File No,
lIrmun t Due
Interest
1995-3341
$98,324.32
vs.
. Atty's Comn
. Costs
EDWARD W. HELMAN and
AUDREY E. HELMAN
TO THE PRO'lllOoorARY OF THE SAID COURT,
The undersigned hereby certifies that the below does not arise out of a retail
installsrent sale, contract, or account based on a confession of judgnent, but if it does,
it is based on the appropriate original proceeding filed pursuant to lIct 7 of 1966 as
amended: and for real property pursuant to lIct 6 of 1974 as amended,
PRAEX:IPE FOR EXEX.'l1l'IOO
Issue writ of execution in the above matter to the Sheriff of Cumberland
County, for debt, interest and costs upon the following described property of the
defen~t(s)' Edward W, Helman and Audrey E. Helman:
SEE ATTACHED LEGAL DESCRIPTION for property located at
117 Pin Oak Lane, Shippensburg, Cumberland County, Pennsylvania.
PRAEX:IPE FOR A'1'I'AOfoIENl' EXEX.'l1l'IOO
Issue writ of attaclTrent to the Sheriff of County, for debt,
interest and costs, as above, directing attachment against the above-named garnishee(s) for
the fallowing property (if real estate, supply six copies of the des=iption: supply four
copies of lengthy personalty list) ,
and all other property of the defendant(s) in the possession, custody or control of the
said garnishee(s),
(Indicate) Index this writ against the garnishee(s) as a lis pendens against
real estate of the defendant(s) described in the attached exhibit.
DATE. September .3 , 1995
Signature. \L ( '" -<-I I-< -~ , " . I -/rv
Print Narre. Lynne K. Beust, Esquire for
Clemson N. page, uK., ~squ~re
Address. 660 Penn Square Center, P.O. Box 61
Reading, PA 19603-0061
Attomey for. Plaintiff
Telephone: [610]374-8377
Suprerre Court ID No" 25616 - Clemson N.
Page, Jr., Esquire
.- ,~"
Notes. If real property, supply six copies of description including irrprovements and an
original and copy of affidavit of ownership (PaR,C.P, No. 3l29).
If lengthy personalty list, supply four copies of list,
To index writ, file separate praecipe with writ.
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TRACT tiQ... 1..1.
ALL the following described parcel of ground lying and being
situate in Shippensburg Township, Cumberland County,
Pennsylvania, bounded and described as follows I
BEGINNING at an iron pin on the West side of pin oak Lane I
thence along the West side of pin Oak Lane, South 26 degrees
West 110 feet to an iron pinl thence along Lot No, 1, Section
D, North 49 degrees, 45 minutes West 152,9 feet to an iron
pinl thence along other lands of B & G Holding Corporation,
North 26 degrees East 72,5 feet to an iron pinl thence along
Lot No.3, Section Dr South 64 degrees East 148,2 feet to the
iron pin at the place of beginning I it being Lot No, 2,
Section D, in the Revised Mountain View Addition, surveyed by
John Howard McClellan, C.S" dated May, 1963,
BEING the same real estate which Audrey E. Helman, by deed
dated January 27, 1992 and recorded in the Cumberland County
Recorder of Deeds Office in Deed Book "M", Volume 35, Page
629, granted and conveyed to Edward W. Helman and Audrey E,
Helman, husband and wife, in fee.
TRACT tiQ... Ll.
ALL the follovling descr:.bed parcel of ground lying and being
situate in Shippensburg Township, Cumberland County,
Pennsylvania, bounded and described as follows I
BEGINNING at an iron pin on the West side of pin oak Lane I
thence along Lot No, 2, Section D, North 64 degrees West 148.2
feet to an iron pinl thence along lands of Galen S. Asper,
North 26 degrees East, 72.5 feet to an iron pinl thence along
Lot No, 4, Section D, now owned by William J, Corman and
Ardenia M. Corman, his wife, South 78 degrees 15 minutes East
153 feet to an iron pin at the West side of pin Oak Lane I
thence along the West side of pin Oak Lane on a curve to the
right having a radius of 148.2 feet, a distance of 30,3 feet
to a pointl thence continuing along the West side of Pin oak
Lane, South 26 degrees West 80 feet to the iron pin as the
place of beginning I it being Lot No.3, Section D, in the
Revised Mountain View Addition, surveyed by John Howard
McClellan, C,S" dated May, 1963.
BEING the same real estate which Audrey E, Helman, by deed
dated January 27, 1992 and recorded in the Cumberland County
Recorder of Deeds Office in Deed Book "M", Volume 35, Page
629, granted and conveyed to Edward W, Helman and Audrey E.
Helman, husband and wife, in fee,
TO BE SOLD AS PROPERTY OF EDWARD W. HELMAN AND AUDREY E, HELMAN,
HIS WIFE.
;'.-.;.../1
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BINGAMAN, HESS, COBLENTZ & BELL, P,C,
By: Clemson N, Page, Jr., Esquire
Attorney I,D. No, 25616
660 Penn Square Center, P.O, Box 61
Reading, PA 19603
Telephone: (610)374-8377
HOUSEHOLD REALTY CORPORATION,
d/b/a HOUSEHOLD FINANCE
DISCOUNT CO.
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PENNA,
NO, 1995-3341 civil Term
Plaintiff
vs,
EDWARD W, HELMAN and
AUDREY E, HELMAN,
Defendants
ACTION IN
MORTGAGE FORECLOSURE
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
TO: Mr. Edward W, Helman
117 Pin Oak Lane
Shippensburg, PA 17257
Your real estate known as 117 Pin Oak Lane, Shippensburg,
Cumberland County, Pennsylvania, is scheduled to be Bold at
Sheriff's Sale on December 6, 1995 at 10:00 a.m" prevailing time,
in the CUmberland County Courthouse, Three South Hanover Street,
Carlisle, Pennsylvania to enforce the court judgment of $98,776,14
obtained by Household Realty Corporation, d/b/a Household Finance
Consumer Discount Company ("Household") against you,
NOTICE OF OWNERS' RIGHTS
YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE
1, The sale will be canceled if you pay to Household the back
payments, late charges, costs and reasonable attorneys' fees due,
To find out how much you must pay, you may call: Clemson N. Page,
Jr" Esquire at (610)374-8377,
2. You may be able to stop the sale by filing a petition
asking the Court to strike or open the judgment, if the judgment
was improperly entered, You may also ask the Court to postpone the
sale for good cause.
76015.1
"
...
3, You may also be able to stop the sale through other legal
proceedings.
You may need an attorney to assert your rights. The sooner
you contact one, the more chance you will have of stopping the
sale, (See notice on page three on how to obtain an attorney) .
YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER
RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE
1.
be sold
calling
If the Sheriff's Sale is not stopped, your property will
to the highest bidder, You may find out the bid price by
the Sheriff of Cumberland County at [717]240-6100.
2. You may be able to petition the Court to set aside the
sale if the bid price was grossly inadequate compared to the value
of your property,
3, The sale will be completed only if the buyer pays the
Sheriff the full amount due in the sale. To find out if this has
happened, you may call the Sheriff of Cumberland County at
[717]240-6100,
4, If the amount due from the buyer is not paid to the
Sheriff, you will remain the owners of the property as if the sale
never happened.
5. You have a right to remain in the property until the full
amount due is paid to the Sheriff and the Sheriff gives a deed to
the buyer. At that time, the buyer may bring legal proceedings to
evict you.
6. You may be entitled to a share of the money which was
paid for the property. A schedule of distribution of the money bid
for the property will be filed by the Sheriff on or within thirty
days of the date of sale. This schedule will state who will be
receiving that money. The money will be paid out in accordance
with this schedule unless exceptions (reasons why the proposed
distribution is wrong) are filed with the Sheriff within ten (10)
days after the Schedule of Distribution is filed.
7, You may also have other rights and defenses, or ways of
getting your property back, if you act immediately after the sale,
7&015.1
l
,.
..
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP,
LAWYER REFERRAL SERVICE
Court Administrator
Cumberland County Courthouse
Three South Hanover Street
Carlisle, Pennsylvania 17013
Telephone: [717]240-6200
BINGAMAN, HESS, COBLENTZ & BELL, P. C,
'J~_( 't 'll k ,}{ i At ,/ {-t<f
Clemson N, Page, Jr., Esquire
Attorneys for Household Realty
Corporation
By:
Dated: September 13, 1995
1601S.1
VI ."...,,"'.__.___
{. '~- f
1"
.'
TRACT mL. 1..;.
ALL the following described parcel of ground lying and being
situate in Shippensburg Township, cumberland County,
Pennsylvania, bounded and described as follows:
BEGINNING at an iron pin on the West side of pin Oak Lane;
thence along the West side of pin Oak Lane, South 26 degrees
West 110 feet to an iron pin; thence along Lot No, 1, Section
D, North 49 degrees, 45 minutes West 152,9 feet to an iron
pin; thence along other lands of B & G Holding Corporation,
North 26 degrees East 72,5 feet to an iron pin; thence along
Lot No, 3, Section D, South 64 degrees East 148.2 feet to the
iron pin at the place of beginning; it being Lot No.2,
Section D, in the Revised Mountain View Addition, surveyed by
John Howard McClellan, C.S., dated May, 1963,
BEING the same real estate which Audrey E, Helman, by deed
dated January 27, 1992 and recorded in the Cumberland County
Recorder of Deeds Office in Deed Book "M", Volume 35, Page
629, granted and conveyed to Edward W. Helman and Audrey E.
Helman, husband and wife, in fee,
TRACT mL. Z.J..
ALL the following described parcel of ground lying and being
situate in Shippensburg Township, Cumberland County,
Pennsylvania, bounded and described as follows:
BEGINNING at an iron pin on the West side of pin Oak Lane;
thence along Lot No.2, Section D, North 64 degrees West 148.2
feet to an iron pin; thence along lands of Galen S, Asper,
North 26 degrees East, 72.5 feet to an iron pin; thence along
Lot No.4, Section D, now owned by William J, Corman and
Ardenia M, Corman, his wife, South 78 degrees 15 minutes East
153 feet to an iron pin at the West side of pin Oak Lane;
thence along the West side of Pin Oak Lane on a curve to the
right having a radius of 148.2 feet, a distance of 30,3 feet
to a point; thence continuing along the West side of pin Oak
Lane, South 26 degrees West 80 feet to the iron pin as the
place of beginning; it being Lot No.3, Section D, in the
Revised Mountain View Addition, surveyed by John Howard
McClellan, C,S., dated May, 1963,
BEING the same real estate which Audrey E, Helman, by deed
dated January 27, 1992 and recorded in the Cumberland County
Recorder of Deeds Office in Deed Book "M", Volume 35, Page
629, granted and conveyed to Edward W. Helman and Audrey E.
Helman, husband and wife, in fee.
TO BE SOLD AS PROPERTY OF EDWARD W. HELMAN AND AUDREY E. HELMAN,
HIS WIFE.
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BINGAMAN, HESS, COBLENTZ & BELL, P,C,
By: Clemson N. Page, Jr" Esquire
Attorney I,D, No. 25616
660 Penn Square Center, P.O. Box 61
Reading, PA 19603
Telephone: (610) 374 -8377
HOUSEHOLD REALTY CORPORATION,
d/b/a HOUSEHOLD FINANCE
DISCOUNT CO,
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PENNA,
NO, 1995-3341 Civil Term
Plaintiff
VS,
EDWARD W. HELMAN and
AUDREY E, HELMAN,
Defendants
ACTION IN
MORTGAGE FORECLOSURE
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
TO: Ms, Audrey E. Helman
117 pin Oak Lane
Shippensburg, PA 17257
Your real estate known as 117 pin Oak Lane, Shippensburg,
Cumberland County, Pennsylvania, is scheduled to be sold at
Sheriff's Sale on December 6, 1995 at 10:00 a,m" prevailing time,
in the Cumberland County Courthouse, Three South Hanover Street,
Carlisle, Pennsylvania to enforce the court judgment of $98,776,14
obtained by Household Realty Corporation, d/b/a Household Finance
Consumer Discount Company ("Household") against you.
NOTICE OF OWNERS' RIGHTS
YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE
1, The sale will be canceled if you pay to Household the back
payments, late charges, costs and reasonable attorneys' fees due.
To find out how much you must pay, you may call: Clemson N, Page,
Jr" Esquire at (610)374-8377.
2. You may be able to stop the sale by filing a petition
asking the Court to strike or open the judgment, if the judgment
was improperly entered. You may also ask the Court to postpone the
sale for good cause.
'6015.1
" .
3, You may also be able to stop the sale through other legal
proceedings,
You may need an attorney to asser.t your rights, The sooner
you contact one, the more chance you will hava of stopping the
sale, (See notice on page three on how to obtain an attorney),
YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER
RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE
1.
be sold
calling
If the Sheriff's Sale is not stopped, your property will
to the highest bidder, You may find out the bid price by
the Sheriff of Cumberland County at [717]240-6100,
You may be able to petition the Court to set aside the
the bid price was grossly inadequate compared to the value
property.
2,
sale if
of your
3, The sale will be completed only if the buyer pays the
Sheriff the full amount due in the sale. To find out if this has
happened, you may call the Sheriff of Cumberland County at
[717] 240-6100.
4, If the amount due from the buyer is not paid to the
Sheriff, you will remain the owners of the property as if the sale
never happened.
5.
amount due
the buyer,
evict you,
6. You may be entitled to a share of the money which was
paid for the property. A schedule of distribution of the money bid
for the property will be filed by the Sheriff on or within thirty
days of the date of sale, This schedule will state who will be
receiving that money. The money will be paid out in accordance
with this schedule unless exceptions (reasons why the proposed
distribution is wrong) are filed with the Sheriff within ten (10)
days after the Schedule of Distribution is filed.
You have a right to remain in the property until the full
is paid to the Sheriff and the Sheriff gives a deed to
At that time, the buyer may bring legal proceedings to
7. You may also have other rights and defenses, or ways of
getting your property back, if you act immediately after the sale,
~.!
16085.1
r:"~" -~-"~~'''*'",,,,",~_.~~,,~...,........,_,.,,
,
I
i
I
J
, ,
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP,
LAWYER REFERRAL SERVICE
Court Administrator
Cumberland County Courthouse
Three South Hanover Street
Carlisle, Pennsylvania 17013
Telephone: [717] 240-6200
BINGAMAN, HESS, COBLENTZ & BELL, P,C,
By:
"J4.. I Jl --'. t J<
Clemson N. Page,
"[;'...1-.1..,<..11
Jr" Esquire
Attorneys for Household Realty
corporation
Dated:
September I~ , 1995
71015.1
. ,
TRACT llQ... 1.L
ALL the following described parcel of ground lying and being
situate in Shippensburg Township, Cumberland County,
Pennsylvania, bounded and described as follows:
BEGINNING at an iron pin on the West side of pin oak Lane;
thence along the West side of pin Oak Lane, South 26 degrees
West 110 feet to an iron pin; thence along Lot No, 1, Section
D, North 49 degrees, 45 minutes West 152,9 feet to an iron
pin; thence along other lands of B & G Holding Corporation,
North 26 degrees East 72,5 feet to an iron pin; thence along
Lot No, 3, Section D, South 64 degrees East 148,2 feet to the
iron pin at the place of beginning; it being Lot No.2,
-Section D, in the Revised Mountain View Addition, surveyed by
John Howard McClellan, C.S., dated May, 1963,
BEING the same real estate which Audrey E. Helman, by deed
dated January 27, 1992 and recorded in the Cumberland County
Recorder of Deeds Office in Deed Book "M", Volume 35, Page
629, granted and conveyed to Edward W. Helman and Audrey E.
Helman, husband and wife, in fee.
TRACT HQ... Ll.
ALL the following described parcel of ground lying and being
situate in Shippensburg Township, Cumberland County,
Pennsylvania, bounded and described as follows:
BEGINNING at an iron pin on the West side of Pin Oak Lane;
thence along Lot No.2, Section 0, North 64 degrees West 148.2
feet to an iron pin; thence along lands of Galen S. Asper,
North 26 degrees East, 72,5 feet to an iron pin; thence along
Lot No, 4, Section D, now owned by William J, Corman and
Ardenia M. Corman, his wife, South 78 degrees 15 minutes East
153 feet to an iron pin at the West side of Pin oak Lane;
thence along the West side of pin Oak Lane on a curve to the
right having a radius of 148,2 feet, a distance of 30.3 feet
to a point; thence continuing along the West side of pin Oak
Lane, South 26 degrees West 80 feet to the iron pin as the
place of beginning; it being Lot No.3, Section D, in the
Revised Mountain View Addition, surveyed by John Howard
McClellan, C.S" dated May, 1963,
BEING the same real estate which Audrey E. Helman, by deed
dated January 27, 1992 and recorded in the Cumberland County
Recorder of Deeds Office in Deed Book "M", Volume 35, Page
629, granted and conveyed to Edward W. Helman and Audrey E.
Helman, husband and wife, in fee.
TO BE SOLD AS PROPERTY OF EDWARD W. HELMAN AND AUDREY E. HELMAN,
HIS WIFE.
r. to
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BINGAMAN, HESS, COBLENTZ & BELL, P.C.
By: Clemson N. Page, Jr., Esquire
Attorney I.D. No. 25616
660 Penn Square Center, P.O. Box 61
Reading, PA 19603
Telephone: (610)374-8377
HOUSEHOLD REALTY CORPORATION,
d/b/a HOUSEHOLD FINANCE
DISCOUNT CO.
Plaintiff
vs.
EDWARD W. HELMAN and
AUDREY E. HELMAN,
Defendants
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PENNA.
NO. 1995-3341 Civil Term
ACTION IN
MORTGAGE FORECLOSURE
AFFIDAVIT PURSUANT TO RULE 3129.1
Household Realty Corporation, d/b/a Household Finance Consumer
Discount Company, plaintiff in the above action, sets forth as of
February 3, 1995, the following information concerning the real
estate known as 117 Pin Oak Lane, Shippensburg, Cumberland County,
Pennsylvania:
1. Name and address of owners or reputed owners:
EDWARD W. HELMAN
117 Pin Oak Lane
Shippensburg, PA 17257
AUDREY E. HELMAN
117 Pin Oak Lane
Shippensburg, PA 17257
2. Name and address of defendants in the judgment:
EDWARD W. HELMAN
117 pin Oak Lane
Shippensburg, PA 17257
AUDREY E. HELMAN
117 Pin Oak Lane
Shippensburg, PA 17257
1
"083,1
...
,.
3. Name and address of every judgment creditor whose
judgment is a record on the real property to be sold:
HOUSEHOLD REALTY CORPORATION,
d/b/a HOUSEHOLD FINANCE CONSUMER
DISCOUNT COMPANY
961 Weigel Drive
P.O. Box 8632
Elmhurst, IL 60126-8632
RANDY CHAMBERLIN
7703 Upper Horse Valley Road
Upper Stroudsburg, PA 17265
4. Name and address of the last recorded holder of every
mortgage of record:
HOUSEHOLD REALTY CORPORATION,
d/b/a HOUSEHOLD FINANCE CONSUMER
DISCOUNT COMPANY
961 Weigel Drive
P.O. Box 8632
Elmhurst, IL 60126-8632
5. Name and address of every other person who has any record
lien on the property:
CUMBERLAND COUNTY TAX CLAIM BUREAU
Three S. Hanover Street
Carlisle, PA 17013
6.
interest
sale:
Name and address of every other person who has any record
in the property and whose interest may be affected by the
NONE.
7. Name and address of every other person of whom the
plaintiff has knowledge who has any interest in the property which
may be affected by the sale:
NONE.
2
16083.1
.
,
I verify that the statements made in this affidavit are true
and correct to the best of my personal knowledge or information and
belief. I understand that false statements herein are made subject
to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn
falsification to authorities.
Dated: September~, 1995.
BINGAMAN, HESS, COBLENTZ & BELL, P.C.
By:
\/'1 -<.... l t< 'iL~ 'l.d
Clemson N. Page, Jr., Esquire
Attorneys for Plaintiff
for
3
"'083.1
~ :-
IN THE
COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PA
HOUSEHOLD REALTY
CORPORATION, d/b/a
HOUSEHOLD FINANCE
CONSUMER DISCOUNT COMPANY
Plaintiff
vs.
EDWADW. HELMAN and
AUDREY E. HELMAN
Defendants
No. 95-3341
AFFIDAVIT PURSUANT
TO RULE 3129.1
Clemson N. Page, Jr.,
Esquire
:~:
BINGAM^N. HESS. COBLENTZ & BELL
^ ProfeulonBl corporauon
650 PENN SQUARE CENTER
eol P2NN STREET
RD. BOX 81
READlrlG. PENNSYLVANIA IlI603.oo&l
(810) !741.a!77
FAX (810)37603105
~.,.;.:.,
'"
,_CO
,
SEP /3
.. " ~
,
l/ zs PH '95
. :!i IIt:;:-
'Iv~' -." .
. '. ') ,....' ",n)
'" 'it
. .! ~
.
.
BINGAMAN, HESS, COBLENTZ & BELL, P.C.
By: Clemson N. Page, Jr., Esquire
Attorney I.D. No. 25616
660 Penn Square Center, P.O. Box 61
Reading, PA 19603
Telephone: (610)374-8377
HOUSEHOLD REALTY CORPORATION,
d/b/a HOUSEHOLD FINANCE
DISCOUNT CO.
Plaintiff
vs.
EDWARD W. HELMAN and
AUDREY E. HELMAN,
Defendants
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PENNA.
NO. 1995-3341 Civil Term
ACTION IN
MORTGAGE FORECLOSURE
AMENDED
AFFIDAVIT PURSUANT TO RULE 3129.1
Household Realty Corporation, d/b/a Household Finance Consumer
Discount Company, plaintiff in the above action, sets forth as of
September~, 1995, the following information concerning the real
estate known as 117 Pin Oak Lane, Shippensburg, Cumberland County,
Pennsylvania:
1. Name and address of owners or reputed owners:
EDWARD W. HELMAN
117 Pin Oak Lane
Shippensburg, PA 17257
AUDREY E. HELMAN
117 Pin Oak Lane
Shippensburg, PA 17257
2. Name and address of defendants in the judgment:
EDWARD W. HELMAN
117 pin Oak Lane
Shippensburg, PA 17257
AUDREY E. HELMAN
117 Pin Oak Lane
Shippensburg, PA 17257
1
16081,1
3. Name and address of every judgment creditor whose
judgment is a record on the real property to be sold:
HOUSEHOLD REALTY CORPORATION,
d/b/a HOUSEHOLD FINANCE CONSUMER
DISCOUNT COMPANY
961 Weigel Drive
P.O. Box 8632
Elmhurst, IL 60126-8632
RANDY CHAMBERLIN
7703 Upper Horse Valley Road
Upper Stroudsburg, PA 17265
4. Name and address of the last recorded holder of every
mortgage of record:
HOUSEHOLD REALTY CORPORATION,
d/b/a HOUSEHOLD FINANCE CONSUMER
DISCOUNT COMPANY
961 Weigel Drive
P.O. Box 8632
Elmhurst, IL 60126-8632
5. Name and address of every other person who has any record
lien on the property:
CUMBERLAND COUNTY TAX CLAIM BUREAU
Three S. Hanover Street
Carlisle, PA 17013
6.
interest
sale:
Name and address of every other person who has any record
in the property and whose interest may be affected by the
NONE.
7. Name and address of every other person of whom the
plaintiff has knowledge who has any interest in the property which
may be affected by the sale:
NONE.
2
16013.1
, .
~
I verify that the statements made in this affidavit are true
and correct to the best of my personal knowledge or information and
belief. I understand that false statements herein are made subject
to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn
falsification to authorities.
Dated: September Jjl, 1995.
BINGAMAN, HESS, COBLENTZ & BELL, P.C.
By:
~~. u. K .15-..J......Jut
Clemson N. Page, Jr., Esquire
Attorneys for Plaintiff
for
3
16083.1
IN THE
COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PA
HOUSEHOLD REALTY CORP.,
d/b/a Household Finance
Consumer Discount
Company
vs.
EDWARD W. HELMAN and
AUDREY E. HELMAN
No. 95-3341
AMENDED
AFFIDAVIT PURSUANT TO
RULE 3129.1
Clemson N. Page,Jr.,
Esquire
:~:
BING^M^N. HESS. COBLENTZ & BELL
^ Professk>nR1 COrporouon
eeo PENN SQUARE CENTER
eol PENN STREET
RD. BOX 81
READING. PENNSYLVANIA IlI603.oo&l
(ISIO) !741-8377
FAX (etO) 376-!IOS
.
"Il'
5EP 18 3 30 PH 195
f ,r; ~
I'i~ ~ (CWq .\~y
I.~:,> 1 ; 12i , P'
I'i \:\ . '. . ,., .
'^"'~""'~'.i"*;;;;"~i%'.
.--.' -- - '-..----
~--==. ....... .'-.
BINGAMAN, HESS, COBLENTZ & BELL, P.C.
By. Clemson N. Page, Jr., Esquire
Attorney 1.0. No. 33759
660 Penn Square Center, P.O. Box 61
Reading, PA 19603
Telephone. (610) 374-B377
HOUSEHOLD REALTY CORPORATION,
d/b/a HOUSEHOLD FINANCE
CONSUMER DISCOUNT CO.
Plaintiff
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PENNA.
NO. 1995-3341 Civil Term
VS.
EOWARD W. HELMAN and
AUDREY E. HELMAN,
ACTION IN
MORTGAGE FORECLOSURE
Defendants
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF BERKS
ss.
PROOF OF SBRVICB
I, Clemson N. Page, Jr., Esquire of Bingaman, Hess, Coblentz & Bell,
P.C. attorneys for Plaintiff, Household Realty Corporation, d/b/a
Household Finance Consumer Discount Co., do hereby certify that on
September ~, 1995, I served true and correct copies of Notice of
Sheriff's Sale of Real Property in reference to the above matter upon the
lienholders listed below by first class mail, postage prepaid at the
following addresses:
RANDY CHAMBERLIN
7703 Upper Horse Vslley Road
Upper Stroudsburg, PA 17265
CUMBERLAND COUNTY TAX CLAIM BUREAU
Three South Hanover Street
Carlisle, PA 17013
True and correct copies of the Notices
Property are attached hereto as Exhibit "A".
the Certificates of Mailing are attached he
..
B1
P.C.
By:
\
1
Attorneys for
Corporation
lIall~l
BINGAMAN, HESS, COBLENTZ & BELL, P.C.
BYI Clemson N. Page, Jr., Esquire
Attorney I.D. No. 25616
660 Penn Square center, P.O. Box 61
Reading, PA 19603
Telephone I (610)374-8371
HOUSEHOLD REALT'i CORPORA'I'ION,
d/b/a HOUSEHOLD FINANCE
CONSUMER DISCOUNT CO.
plaintiff
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNT'i, PENNA.
NO. 1995-3341 Civil Term
vs.
EDWARD W. HELMAN and
AUDREY E. HELMAN,
Defendants
ACTION IN
MORTGAGE FORECLOSURE
.
.
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
TO I CUMBERLAND COUNTY TAX CLAIM BUREAU
Three South Hanover Street
Carlisle, PA 17013
The real estate known as 117 Pin Oak Lane, Shippensburg,
Cumberland county, Pennsylvania, is scheduled to be sold at
Sheriff's Sale on December 6, 1995 at 10:00 a.m., prevailing time,
in the Cumberland County courthouse, Three South Hanover street,
Carlisle, Pennsylvania to enforce the court judgment of $98,776.14
obtained by Household Realty corporation, d/b/a Household Finance
Consumer Discount company ("Household") against Edward W. Helman
and Audrey E. Helman.
NOTICE OF LIENHOLDERS' RIGHTS
YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE
1. The sale will be oanceled if you pay to Household the back
payments, late charges, costs and reasonable attorneys' fees due.
To find out how much you must pay, you may call: Clemson N. page,
Jr., Esquire at (610)374-8377.
2. You may be abl~ to stop the sale by filing a petition
asking the Court to strike or open the judgment, if the judgment
was improperly entered. 'lou may also ask the Court to postpone the
sale for good cause.
76085.1
EXHIBIT A
3. You may also be able to stop the sale through other legal
proceedings.
You may need an attorney to assert your rights. The sooner
you contact one, the mOl'e chance you will have of stopping the
sale. (See notice on page three on how to obtain an attorney).
YOU MAY STILL BE ABLE '1'0 SAVE THE PROPERTY AND YOU HAVE OTHER
RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE
1.
be sold
calling
If the Sheriff's Sale is not stopped, the property will
to the highest bidder. You may find out the bid price by
the Sheriff of Cumberland County at [717]240-6100.
2. You may be ablu to petition the Court to set aside the
sale if the bid price was grossly inadequate compared to the value
of the property.
3. The sale will be completed only if the buyer pays the
Sheriff the full amount due in the sale. To find out if this has
happened, you may call the Sheriff of Cumberland County at
[717]240-6100.
4. If the amount due from the buyer is not paid to the
Sheriff, Edward W. Helman and Audrey E. Helman will remain the
owners of the property as if the sale never happened.
5. Edward W. Helmiln and Audrey E. Helman have a right to
remain in the property until the full amount due is paid to the
Sheriff and the Sheriff gives a deed to the buyer. At that time,
the buyer may bring legal proceedings to evict the defendants.
6. You may be entitled to a share of the money which was
paid for the property. A schedule of distribution of the money bid
for the property will be filed by the Sheriff within thirty (30)
days of the date of sale. This schedule will state who will be
receiving that money. The money will be paid out in accordance
with this schedule unle!ls exceptions (reasons why the proposed
distribution is wrong) aloe filed with the Sheriff within ten (10)
days after the SChedule of Distribution is filed.
7. You may also have other rights and defenses, or ways of
protecting your lien, if you act immediately after the sale.
76085.1
'" "
76085.1
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN OET LEGAL HELP.
LAWYER REFERRAL SERVICE
Court Administrator
Cumberland County Courthouse
Three South Hanover Street
Carlisle, Pennsylvania 17013
Telephone: (717]240-6200
By:
Attorneys for
Corporation
Dated: September 21, 1995.
TRACT HQ... 1.l.
ALL the following described parcel of ground lying and being
situate in Shippeneburg Township, Cumberland County,
Pennsylvania, bounded and described as follows:
BEGINNING at an iron pin on the West side of Pin Oak Lane;
thence along the West side of Pin Oak Lane, South 26 degrees
West 110 feet to an iron pin; thence along Lot No.1, Section
0, North 49 degrees, 45 minutes West 152.9 feet to an iron
pin; thence along other lands of B & G Holding Corporation,
North 26 degrees East 72.5 feet to an iron pin; thence along
Lot No.3, Section 0, South 64 degrees East 148.2 feet to the
iron pin at the place of beginning; it being Lot No.2,
Section D, in the Revised Mountain View Addition, surveyed by
John Howard McClellan, C.S., dated May, 1963.
BEING the same real estate which Audrey E. Helman, by deed
dated January 27, 1992 and recorded in the Cumberland County
Recorder of Deeds Office in Deed Book "M", Volume 35, Page
629, granted and conveyed to Edward W. Helman and Audrey E.
Helman, husband and wife, in fee.
TRACT HQ... .a...
ALL the following described parcel of ground lying and being
situate in Shippensburg Township, CUmberland County,
Pennsylvania, bounded and described as follows:
BEGINNING at an iron pin on the West side of Pin Oak Lane;
thence along Lot No.2, Section 0, North 64 degrees West 148.2
feet to an iron pin; thence along lands of Galen S. Asper,
North 26 degrees East, 72.5 feet to an iron pin; thence along
Lot No.4, Section 0, now owned by William J. Corman and
Ardenia M. Corman, his wife, South 78 degrees 15 minutes East
153 feet to an iron pin at the West side of Pin Oak Lane;
thence along the West side of Pin Oak Lane on a curve to the
right having a radius of 148.2 feet, a distance of 30.3 feet
to a point; thence continuing along the West side of Pin Oak
Lane, South 26 degrees West 80 feet to the iron pin as the
place of beginning; it being Lot No.3, Section 0, in the
Revised Mountain View Addition, surveyed by John Howard
McClellan, C.S., dated May, 1963.
BEING the same real estate which Audrey E. Helman, by deed
dated January 27, 1992 and recorded in the CUmberland County
Recorder of Deeds Office in Deed Book "M", Volume 35, Page
629, granted and conveyed to Edward W. Helman and Audrey E.
Helman, husband and wife, in fee.
TO BE SOLD AS PROPERTY OF EDWARD W. HELMAN AND AUDREY E. HELMAN,
HIS WIFE.
BINGAMAN, HESS, COBLENTZ & BELL, P.C.
By: Clemson N. Page, Jr., Esquire
Attorney I.D. No. 25616
660 Penn Square Center, P.O. Box 61
Reading, PA 19603
Telephone: (610) 374-8377
HOUSEHOLD REALTY CORPORATION,
d/b/a HOUSEHOLD FINANCE
CONSUMER DISCOUNT CO.
Plaintiff
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PENNA.
NO. 1995-3341 civil Term
vs.
EDWARD W. HELMAN and
AUDREY E. HELMAN,
Defendants
ACTION IN
MORTGAGE FORECLOSURE
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
TO: RANDY CHAMBERLIN
7703 Upper Horse Valley Road
Upper Stroudsburg, PA 17265
The real estate knllwn as 117 Pin Oak Lane, Shippensburq,
Cumberland County, Pennsylvania, is scheduled to be sold at
Sheriff's Sale on December 6, 1995 at 10:00 a.m., prevailing time,
in the Cumberland County Courthouse, Three South Hanover Street,
Carlisle, Pennsylvania to enforce the court judgment of $98,776.14
obtained by Household Realty Corporation, d/b/a Household Finance
Consumer Discount Company ("Household") against Edward W. Helman
and Audrey E. Helman.
NOTICE OF LIENHOLDERS' RIGHTS
YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE
1. The sale will be canceled if you pay to Household the back
payments, late charges, costs and reasonable attorneys' fees due.
To find out how much you must pay, you may call: Clemson N. Page,
Jr., Esquire at (610)374-8377.
2. You may be abl,a to stop the sale by filing a petition
asking the Court to strilte or open the judgment, if the judgment
was improperly entered. '!ou may also ask the Court to postpone the
sale for good cause.
76085.1
EXHIBIT A
3. You may also be able to stop the sale through other legal
proceedings.
You may need an attorney to assert your rights. The sooner
you contact one, the more chance you will have of stopping the
sale. (See notice on page three on how to obtain an attorney).
YOU MAY STILL BE ABLE '1'0 SAVE THE PROPERTY AND YOU HAVE OTHER
RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE
1.
be sold
calling
If the Sheriff's Sale is not stopped, the property will
to the highest bidder. You may find out the bid price by
the Sheriff of Cumberland County at [717]240-6100.
2. You may be ablll to petition the Court to set aside the
sale if the bid price was grossly inadequate compared to the value
of the property.
3. The sale will be completed only if the buyer pays the
Sheriff the full amount due in the sale. To find out if this has
happened, you may call the Sheriff of Cumberland County at
[717]240-6100.
4. If the amount due from the buyer is not paid to the
Sheriff, Edward W. Helman and Audrey E. Helman will remain the
owners of the property as if the sale never happened.
5. Edward W. Helman and Audrey E. Helman have a right to
remain in the property until the full amount due is paid to the
Sheriff and the Sheriff gives a deed to the buyer. At that time,
the buyer may bring legal proceedings to evict the defendants.
6. You may be entLtled to a share of the money which was
paid for the property. A schedule of distribution of the money bid
for the property will be filed by the Sheriff within thirty (30)
days of the date of sale. This schedule will state who will be
receiving that money. The money will be paid out in accordance
with this schedule unle~;s exceptions (reasons why the proposed
distribution is wrong) are filed with the Sheriff within ten (10)
days after the Schedule of Distribution is filed.
7. You may also have other rights and defenses, or ways of
protecting your lien, if you act immediately after the sale.
76085.1
r
,
\ i
\ '-
-.;..;....~~.~!.:-
P.C.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CAIINOT AFFORD ONE, GO TO OR TELEPHONE THE
OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
LAWYER REFERRAL SERVICE
Court Administrator
Cumberland County Courthouse
Three South Hanover Street
Carlisle, Pennsylvania 17013
Telephone: [717]240-6200
By:
Attorneys for House
Corporation
Realty
Dated: September 21, 1995.
76085.1
;-- ~
TRACT mL. 1..L
ALL the following described parcel of ground lying and being
situate in Shippensburg Township, Cumberland County,
Pennsylvania, bounded and described as follows:
BEGINNING at an iron pin on the West side of Pin Oak Lane;
thence along the West side of Pin Oak Lane, South 26 degrees
West 110 feet to an iron pin; thence along Lot No.1, Section
0, North 49 degrees, 45 minutes West 152.9 feet to an iron
pin; thence along other lands of B & G Holding Corporation,
North 26 degrees East 72.5 feet to an iron pin; thence along
Lot No.3, Section 0, South 64 degrees East 148.2 feet to the
iron pin at the place of beginning; it being Lot No.2,
Section 0, in the Revised Mountain View Addition, surveyed by
John Howard McClellan, C.S., dated May, 1963.
BEING the same real estate which Audrey E. Helman, by deed
dated January 27, 1992 and recorded in the CUmberland County
Recorder of Deeds Office in Deed Book "M", Volume 35, Page
629, granted and conveyed to Edward W. Helman and Au~'ey E.
Helman, husband and wife, in fee.
TRACT mL. z...
ALL the following described parcel of ground lying and being
situate in Shippensburg Township, CUmberland County,
Pennsylvania, bounded and described as follows:
BEGINNING at an iron pin on the West side of Pin Oak Lane;
thence along Lot No.2, Section 0, North 64 degrees West 148.2
feet to an iron pin; thence along lands of Galen S. Asper,
North 26 degrees East, 72.5 feet to an iron pin; thence along
Lot No.4, Section 0, now owned by William J. Corman and
Ardenia M. Corman, his wife, South 78 degrees 15 minutes East
153 feet to an iron pin at the West side of Pin Oak Lane;
thence along the West side of Pin Oak Lane on a curve to the
right having a radius of 148.2 feet, a distance of 30.3 feet
to a point; thence continuing along the West side of Pin Oak
Lane, South 26 degrees West 80 feet to the iron pin as the
place of beginning; it being Lot No.3, Section 0, in the
Revised Mountain View Addition, surveyed by John Howard
McClellan, C.S., dated May, 1963.
BEING the same real estate which Audrey E. Helman, by deed
dated January 27, 1992 and recorded in the CUmberland County
Recorder of Deeds Office in Deed Book "M", Volume 35, Page
629, granted and conveyed to Edward W. Helman and Audrey E.
Helman, husband and wife, in fee.
TO BE SOLD AS PROPERTY OF EDWARD W. HELMAN AND AUDREY E. HELMAN,
HIS WIFE.
MAV I' uSIa 'OR DOMISTIC AND INTEftNAnONAL MAIL. DOIS NOT
PItOVIOI 'OA INSURANCI-POSTMASTER
_...
BINGMI~, HESS, COBLENTZ & BELL
,'\I'tUJt"ESSlClN.'\L cnltl"Jfl'\TMJN
AnoRNE\'S AT 1.AW
eeo PfNN SQUIoAE CENTER. eot PENN STREET
PO BOX 61
AItAOINO. PENNSVLVANlA 1V&03.00et
One .. 01 nlnery mlillCld"...d to:
RANDY CHAMBERLIN
7703 UPPER HORSE VALLEY ROAD
UPPER STROUDSBURG PA 17265
PS Form 3817, MI'. 1889
Affix fN hMeln "empI
" "",.,., N'M,,.,. I'M
.,
.;
-
,
"
'U.I.G.P.O.: 1112.mmta:17
-.
AtlbclHhontln_
...... ....... ...
MAV 81 USED FOR OOMESnc AND INTERNAnONAL MAIL, DOES NOT
PROVIDE 'OR INSURANCE-POSTMASTEA
RtceNed 'f'OlTl:
BING~, HESS, COBLENTZ & BELL
^ PROf'ESSION,.\L ctJRPOR.'\TNJN
A'TTORNE'(S AT LAW
eeo PENN SQU.t.RE CENttA . eot PENN STREET
PO, BOJ( e t
READING. PENNSW/ANIA 19603.0061 .<~ ...:.
Ono~;:i~;';'~'.~~~~;y TAX CLAlri~ \~~:~~.:.-.-:-'-- ..
BUREAU ~ ~ ""Jt .,-..
/......,.... '..
,t/.-f-:: ',: .:'
~ ,'.
..
THREE SOUTH
CARLISLE PA
HANOVER
17013
PS Form 3817. Mlr, 1989
'U.I.G.P.O.: 1112.:121__1
-.
EXHIBIT B
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STATE OF PENNSYLVANIA,
COUNTY OF CUMBERLAND
} 55.
I, _ _ _ __~flP_'!.~ ~_ f.. _ ~J~.8.! ~!, _ 00 _ _ _ __ _ _ ___ __ _ ___u _ u _ _ 00__' _ __ __ __u _U_ __ ___ 00 __ Recorder 01
Deedl In and lor laid Counly and Slale do hereby ccrtily Ihallhe Sherilrl Deed In which _____u__u_____
u_ _ u _~~~_B_~ ~~_1_~ _~_~~ ~ ~ _ ~~ ~!'__~~~!_~ _~~_~~~~~!_'!._ ~~ .?_~~~:u ~?~_B_~~::_ _~:!_C_~~!'_t_ fi<jhe granlee
h 6th, d I
lhe same having heen lold 10 laid granlee on I e u_______u___n___________u__uuu_uu_uu ay 0
DeC_e~~!_r__uU__U_UhU__uuu____nu_ A. D., 19.___~~__, under and by virtue 01 a wril__u_u___uu
Execution . cd h 13th
._______________________________________________~u ont e_____________________________________
day 01 ______JiepUlllbe%:.__u_u_ A. D., 1900_95_, oul oIlhe Court or Cornman Pleas of said CounlY as of
__u______.P_l,,',!!J__ u_u___ _u_" u__ u _ _ _ u _ ___ __ _ _u u__. ._h_ u__ uu_n _ n__n _ Tenn, 19_.!l.5___
Number _~~~~___m___, allhe IUit of ___l!fl~_s_':~fl_1_<!_~_a_!~:tu~<:!~p__<!l!>L'!._tlp_~'!~1'_o_!!!_!_l"l.!!!I_c-'Lf_o_'lB
D i ~ount._='____u____m____ u___._ againll_ n~~_~~;~__~_ ~_e_~~:'!lu ~_~_~~ ;!,L~ n ____ ______ __ n_ Is
duly recorded in Sherilrl Deed Book No. u~~!:u_u_, Page ___~?~_m__.
IN TESTIMONY WHEREOF, I have hereunto
set my hand and leal of said ollice Ihls __g_!.___ day
of _mm_m:J:ftJ!IX../1f!-.Y...____ A. D., I9_9-~m
~~-----------------
7~---- Recorder 01 Deeds
~
Household Realty Corporation
vs
Edward W. Helman and Audrey E.
Helman
In the Court of Common Pleas
Cumberland County, Pennsylvania
Writ No. 95-3341 Civil
Steven Whistler, Deputy Sheriff, who being duly sworn according
to law, says on October 4, 1995 at 12145 o'clock P.M., E.D.S.T., he
posted the property of Edward Helman and Audrey E.Helman at 117 pin
Oak Lane, Shippensburg, Cumberland County, Pennsylvania with a copy
of Real Estate Writ, Notice Poster and Description according to law.
R. Thomas Kline, Sheriff who being duly sworn according to law,
says that he served the above Real Estate Writ, Notice, Poster and
Description in the fOllowing mannerl The Sheriff mailed one of the
within named defendants, to wit. Edward W. Helman a notice of the
pendency of the action by certified mail marked DELIVERY ONLY TO
ADDRESSEE, to his last known address at 10570 3rd Street North, St.
Petersburg, Florida 33733 Apt. B.. This letter was mailed under the
date of October 5, 1995 and was received on October 10, 1995 with
returned receipt card signed by Edward Helman. Return receipt card
is hereto attached.
R. Thomas 'Kline, Sheriff who being duly sworn according to law,
says that he served the above Real Estate Writ, Notice, Poster and
Description in the following manner 1 The Sheriff mailed one of the
within named defendants, to wit. Audrey E. Helman a notice of the
pendency of the action by certified mail marked DELIVERY ONLY TO
ADDRESSEE, to her last known address at 10570 3rd Street North, St.
Peteresburg Florida 33733 Apt. B. This letter was mailed under the
date of October 5, 1995 and was received on October 10, 1995 with
return receipt card signed by Edward Helman for Audrey E. Helman.
Return receipt card is hereto attached.
R. Thomas Kline, Sheriff, who being duly sworn according to
law, says that he served the above Real Estate Writ, Notice Poster
and Description in the following manner 1 The Sheriff mailed one of
the within named defendants, to witl Edward W. Helman a notice of
the pendency of the action by regular mail to his last known address
at 10570 3rd Street North St. Petersburg, Florida 33733 Apt. B.
This letter was mailed under the date of October 16, 1995 and was
not returned to the Sheriff's Office.
R. Thomas Kline, Sheriff, who being duly sworn according to
law says that he served the above Real Estate Writ, Notice Poster
and Description in the fOllowing manner 1 The Sheriff mailed one
of the within named defendants, to witl AUdrey E. Helman a notice
of the pendency of the action by regular mail to her last known
address at 10570 3rd Street North St. Petersburg, Florida 33733
Aot, B. This letter was mailed under the date of October 16, 1995
and was not returned to the Sheriff's Office.
R. Thomas Kline, Sheriff, who being duly sworn according to law,
says that after due and legal notice had been given according to law,
exposed the within described premises at public venue or outcry at the
Court House, Carlisle, Cumberland County, Pennsylvania on December
6, 1995 at 10100 o'clock A.M., E.S.T., and sold the same for the sum
of $1.00 to Attorney Clemson N. Page Jr. for Household Realty Corporation
d/b/a Household Finance Consumer Discount Company , Its successors
and assigns at 961 Weigel Drive, Elmhurst IL 60126-8632. It being
highest bid and the best price received for the same Househld Realty
Corporation d/b/a Household Finance Consumer Discount Company
Its successors and assigns, being the buyer in this Execution paid
paid the Sheriff R. Thomas Kline, the sum of $7,765.78 it being bid price
poundage stamps etc. Sheriff's Costs listed below. See attached
distribution sheet for additional costs.
Sheriff's COStSI
Docketing 30.00
Poundage 1,966.48
posting Bills 30.00
Advertising 30.00
ACknowledging Deed 30.00
Auctioneer 10.00
Law Library .50
County 1.00
Mileage 11. 76
Cert Mail ll.63
Levy 30.00
Surcharge 6.00
Law Journal 338.30
Patriot 481.00
Posters 36.50
Sheriff's Deed 14.00
1995 Co. Lib & School
l,l46.48
1993,1994 Taxes Tax
Claim 3,566.31
Water 25.82
7,765.78 Pd. by Atty.
12-6-96
Sworn and subscribed to before me
this
day of
1995, A.D.
Prothonotary
So ."~~
R. Thomas Kline, Sheriff
by
(lJ I....f'l(o~ .51. af~
Dep y Sheriff
30 ,,,,
I. ~-u Ck.. /I C. 'j
~~~nml
REAL ESTATE SALE NOJ
Un ~ 1'1. J 9 v or Iha Si:Ciiii Ill'Jie:J It[H)il Hi~ (:cir:ilc.:i!"I:j
Interest In the real property sltllated in
Cumberland County F'" kr"" ',' . " ."..,""r'" "'11" " Al n ./J
I ...1., ,....;.i!"ltIJ"..;,:J',:.t..Jll(.l~, ..L...~~v-
J?ll Q- n' "." . '" "" .., ,,' " . ".', ";'" f'I"j .,''',
~ a (J IT,':'" I;"", '".: " '" ,Ji' ....:..:.1. \ I "U 'ii,,,
this writ and by this refereilce !;lCu,P:';f<llJj l1C:ftlin.
BIte: fJ. J '1- e S"
By:~/~ ~. o.~
~ ~~ .t?ya.-t
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L.J
r::r /lv!.o iI 111 ~3S
:,';l ~
,..'
. ~ '4";~UO
WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
TO THE SHERI~F OF Cumberland
NO,9 5 - 3 34 1 CIVllJOJ...Term
CIVIL ACTION. LAW
COUNTY:
To satisfy the debt, Inlerest and cosls due Household Real tv Corpora tion
Household Finance Consuner Discoun t Canpanv
d/b/a
PLAINTIFF(S)
from Edward W. Hel1Mn lInd AtnrPY E. Helman 117 Pin ().qk L,mp, !;hipt)"nAhltrg PA 17'''7
DEFENDANT(S)
(1) You are directed fo levy upon Ihe property of the defendanl(s) and to sell See attached leQ81
descriDtion for Drooertv located at 117 pin OAk LlIne. !;hipp,mAhltrgr PA 17'''7
(2) You are also dlrecled 10 aUach the property 01 the defendant(s) not levied upon In the possession 01
GARNISHEE(S) as follows:
and to nolKy the garnlshee(s) that: (a) an attachment has been Issued; (b) the gamlshee(s) Is/are enjoined from paying any
debt 10 or for the account oflhe defendant(s) and from delivering any property of the defendant(s) or olherwlse disposing
thereof;
(3) Ifpropertyofthe defendant(s) nollevled upon an subject to aUachmentls found In the possession of anyone other
Ihan a named garnishee. you are directed 10 notlly hlm/herthat he/she has been added as a garnishee and Is enjoined as above
stated.
Amount Due
Interest
My's Comm
My Paid
Plalntnf Paid
L.L.
Due Prolhy
Other Costs
50.50
1.00
$qR , ~74 ~7
%
81.00
Dale:
Lawrence E. Welker
Prothonotary, Civil Division
by: g'j" 0)),.. o.~..J
Deputy
!;p.ph,mhPr 1 ~ r 1 qq"
REQUESTING PARTY:
Lynne K. Beust Esq. For
Name .!:.1_nn N PAW' ,1r
Address:660 Penn Square Center, P.O. Box 61
Reading, Pa. 19603-0061
AUomey for: Plaintiff
Telephone: ( 610 I 374 -8377
Supreme Court ID No, 252616 Clanson N. Pace. Jr. ,Esq.
AFFIDAVIT PURSUANT TO RULE 3129.1
Household Realty Corporation, d/b/a Household Finance Consumer
Discount Company, plaintiff in the above action, sets forth as of
February 3, 1995, the following information concerning the real
estate known as 117 pin Oak Lane, Shippensburg, cumberland County,
Pennsylvania:
1. Name and address of owners or reputed owners:
2. Name and address of defendants in the judgment:
BINGAMAN, HESS, COBLENTZ & BELL, P.C.
By: Clemson N. Page, Jr., Esquire
Attorney I.D. No. 25616
660 Penn Square Center, P.O. Box 61
Reading, PA 19603
Telephone I (610)374-8377
HOUSEHOLD REALTY CORPORATION,
d/b/a HOUSEHOLD FINANCE
DISCOUNT CO.
Plaintiff
vs.
EDWARD W. HELMAN and
AUDREY E. HELMAN,
Defendants
EDWARD W. HELMAN
117 pin Oak Lane
Shippensburg, PA 17257
EDWARD W. HELMAN
117 Pin Oak Lane
Shippensburg, PA 17257
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PENNA.
NO. 1995-3341 Civi' Term
ACTION IN
MORTGAGE FORECLOSURE
AUDREY E. HELMAN
117 pin Oak Lane
Shippensburg, PA 17257
AUDREY E. HELMAN
117 Pin Oak Lane
Shippensburg, PA 17257
1
"'013.1
\
J. Name and address of every judgment creditor whose
judgment is a record on the real property to be sold:
HOUSEHOLD REALTY CORPORATION,
d/b/a HOUSEHOLD FINANCE CONSUMER
DISCOUNT COMPANY
961 Weigel Drive
P.O. Box 8632
Elmhurst, IL 60126-8632
RANDY CHAMBERLIN
7703 Upper Horse Valley Road
Upper Stroudsburg, PA 17265
4. Name and address of the last recorded holder of every
mortgage of record:
HOUSEHOLD REALTY CORPORATION,
d/b/a HOUSEHOLD FINANCE CONSUMER
DISCOUNT COMPANY
961 Weigel Drive
P.O. Box 8632
Elmhurst, IL 60126-8632
5. Name and address of every other person who has any record
lien on the property:
CUMBERLAND COUNTY TAX CLAIM BUREAU
Three S. Hanover Street
Carlisle, PA 17013
6.
interest
sale:
Name and address of every other person who has any record
in the property and whose interest may be affected by the
NONE.
7. Name and address of every other person of whom the
plaintiff has knowledge who has any interest in the property which
may be affected by the sale:
NONE.
2
11013.1
,
h. ...
I verify that the statements made in this affidavit are true
and correct to the best of my personal knowledge or information and
belief. I understand that false statements herein are made subject
to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn
falsification to authorities.
Dated: September I~, 1995.
BINGAMAN, HESS, COBLENTZ & BELL, P.C.
By:
~~L, , -<... L K,' ~ ,ll d
Clemson N. Page, Jr., Esquire
Attorneys for Plaintiff
for
3
11011.1
.'
...
BINGAMAN, HESS, COBLENTZ & BELL, P.C.
By: Clemson N. Page, Jr., Esquire
Attorney I.D. No. 25616
660 Penn Square Center, P.O. Box 61
Reading, PA 19603
Telephone: (610)374-8377
HOUSEHOLD REALTY CORPORATION,
d/b/a HOUSEHOLD FINANCE
DISCOUNT CO.
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PENNA.
NO. 1995-3341 Civil Term
Plaintiff
vs.
EDWARD W. HELMAN and
AUDREY E. HELMAN,
Defendants
ACTION IN
MORTGAGE FORECLOSURE
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
TO: Ms. Audrey E. Helman
117 Pin Oak Lane
Shippensburg, PA 17257
Your real estate known as 117 pin Oak Lane, Shippensburg,
Cumberland County, Pennsylvania, is scheduled to be sold at
Sheriff's Sale on December 6, 1995 at 10:00 a.m., prevailing time,
in the CUmberland County Courthouse, Three South Hanover Street,
Carlisle, Pennsylvania to enforce the court judgment of $98,776.14
obtained by Household Realty Corporation, d/b/a Household Finance
Consumer Discount Company ("Household") against you.
NOTICE OF OWNERS' RIGHTS
YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE
1. The sale will be canceled if you pay to Household the back
payments, late charges, costs and reasonable attorneys' fees due.
To find out how much you must pay, you may call: Clemson N. Page,
Jr., Esquire at (610)374-8377.
2. You may be able to stop the sale by filing a petition
asking the Court to strike or open the judgment, if the judgment
was improperly entered. You may also ask the Court to postpone the
sale for good cause.
16011.1
,..
3. You may also be able to stop the sale through other legal
proceedings.
You may need an attorney to assert your rights. The sooner
you contact one, the more chance you will have of stopping the
sale. (See notice on page three on how to obtain an attorney) .
YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER
RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE
1.
be sold
calling
If the Sheriff's Sale is not stopped, your property will
to the highest bidder. You may find out the bid price by
the Sheriff of Cumberland County at [717J240-6100.
2. You may be able to petition the Court to set aside the
sale if the bid price was grossly inadequate compared to the value
of your property.
3. The sale will be completed only if the buyer pays the
Sheriff the full amount due in the sale. To find out if this has
happened, you may call the Sheriff of Cumberland County at
[717J240-6100.
4. If the amount due from the buyer is not paid to the
Sheriff, you will remain the owners of the property as if the sale
never happened.
5. You have a right to remain in the property until the full
amount due is paid to the Sheriff and the Sheriff gives a deed to
the buyer. At that time, the buyer may bring legal proceedings to
evict you.
6. You may be entitled to a share of the money which was
paid for the property. A schedule of distribution of the money bid
for the property will be filed by the Sheriff on or within thirty
days of the date of sale. This schedule will state who will be
receiving that money. The money will be paid out in accordance
with this schedule unless exceptions (reasons why the proposed
distribution is wrong) are filed with the Sheriff within ten (10)
days after the Schedule of Distribution is filed.
7. You may also have other rights and defenses, or ways of
getting your property back, if you act immediately after the sale.
11015.1
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
LAWYER REFERRAL SERVICE
Court Administrator
Cumberland County Courthouse
Three South Hanover Street
Carlisle, Pennsylvania 17013
Telephone: [717]240-6200
BINGAMAN, HESS, COBLENTZ & BELL, P.C.
By:
'-,'
rJ-J..., 'I, ~ l ;<
Clemson N. Page,
'70..{ (.-I (
Jr., Esquire
Attorneys for Household Realty
Corporation
Dated: September IJ , 1995
11015.1
.:..;...
~
TRACT m:t.. II
ALL the following described parcel of ground lying and being
situate in Shippensburg Township, Cumberland County,
Pennsylvania, bounded and described as follows:
BEGINNING at an iron pin on the West side of Pin oak Lane;
thence along the West side of pin Oak Lane, South 26 degrees
West 110 feet to an iron pin; thence along Lot No.1, Section
D, North 49 degrees, 45 minutes West 152.9 feet to an iron
pin; thence along other lands of B & G Holding Corporation,
North 26 degrees East 72.5 feet to an iron pin; thence along
Lot No.3, Section 0, South 64 degrees East 148.2 feet to the
iron pin at the place of beginning; it being Lot No.2,
Section 0, in the Revised Mountain View Addition, surveyed by
John Howard McClellan, C.S., dated May, 1963.
BEING the same real estate which Audrey E. Helman, by deed
dated January 27, 1992 and recorded in the cumberland County
Recorder of Deeds Office in Deed Book "M", Volume 35, Page
629, granted and conveyed to Edward W. Helman and Audrey E.
Helman, husband and wife, in fee.
TRACT m:t.. ~
ALL the following described parcel of ground lying and being
situate in Shippensburg Township, Cumberland county,
Pennsylvania, bounded and described as follows:
BEGINNING at an iron pin on the West side of pin Oak Lane;
thence along Lot No.2, Section 0, North 64 degrees West 148.2
feet to an iron pin; thence along lands of Galen S. Asper,
North 26 degrees East, 72.5 feet to an iron pin; thence along
Lot No.4, Section 0, now owned by William J. Corman and
Ardenia M. Corman, his wife, South 78 degrees 15 minutes East
153 feet to an iron pin at the West side of pin Oak Lane;
thence along the West side of pin Oak Lane on a curve to the
right having a radius of 148.2 feet, a distance of 30.3 feet
to a point; thence continuing along the West side of pin oak
Lane, South 26 degrees West 80 feet to the iron pin as the
place of beginning; it being Lot No.3, Section 0, in the
Revised Mountain View Addition, surveyed by John Howard
McClellan, C.S., dated May, 1963.
BEING the same real estate which Audrey E. Helman, by deed
dated January 27, 1992 and recorded in the Cumberland County
Recorder of Deeds Office in Deed Book "M", Volume 35, Page
629, granted and conveyed to Edward W. Helman and Audrey E.
Helman, husband and wife, in fee.
TO BE SOLD AS PROPERTY OF EDWARD W. HELMAN AND AUDREY E. HELMAN,
HIS WIFE.
~
BINGAMAN, HESS, COBLENTZ & BELL, P.C.
By: Clemson N. Page, Jr., Esquire
Attorney I.D. No. 25616
660 Penn Square Center, P.O. Box 61
Reading, PA 19603
Telephone: (610)374-8377
HOUSEHOLD REALTY CORPORATION, :
d/b/a HOUSEHOLD FINANCE
DISCOUNT CO.
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PENNA.
NO. 1995-3341 Civil Term
Plaintiff
vs.
EDWARD W. HELMAN and
AUDREY E. HELMAN,
Defendants
ACTION IN
MORTGAGE FORECLOSURE
NOTICB OF SHERIFF'S SALE OF REAL PROPERTY
TO: Mr. Edward W. Helman
117 pin Oak Lane
Shippensburg, PA 17257
Your real estate known as 117 pin Oak Lane, Shippensburg,
CUmberland County, Pennsylvania, is scheduled to be sold at
Sheriff's Sale on December 6,1995 at 10:00 a.m., prevailing time,
in the CUmberland County Courthouse, Three South Hanover Street,
Carlisle, Pennsylvania to enforce the court judgment of $98,776.14
obtained by Household Realty corporation, d/b/a Household Finance
Consumer Discount Company ("Household") against you.
NOTICE OF OWNERS' RIGHTS
YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE
1. The sale will be canceled if you pay to Household the back
payments, late charges, costs and reasonable attorneys' fees due.
To find out how much you must pay, you may call: Clemson N. Page,
Jr., Esquire at (610)374-8377.
2. You may be able to stop the sale by filing a petition
asking the Court to strike or open the judgment, if the judgment
was improperly entered. You may also ask the Court to postpone the
sale for good cause.
nOIl.1
.
3. You may also be able to stop the sale through other legal
proceedings.
You may need an attorney to assert your rights. The sooner
you contact one, the more chance you will have of stopping the
sale. (See notice on page three on how to obtain an attorney) .
YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER
RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE
1.
be sold
calling
If the Sheriff's Sale is not stopped, your property will
to the highest bidder. You may find out the bid price by
the Sheriff of Cumberland County at [717]240-6100.
2. You may be able to petition the Court to set aside the
sale if the bid price was grossly inadequate compared to the value
of your property.
3. The sale will be completed only if the buyer pays the
Sheriff the full amount due in the sale. To find out if this has
happened, you may call the Sheriff of Cumberland County at
[717]240-6100.
4. If the amount due from the buyer is not paid to the
Sheriff, you will remain the owners of the property as if the sale
never happened.
5. You have a right to remain in the property until the full
amount due is paid to the Sheriff and the Sheriff gives a deed to
the buyer. At that time, the buyer may bring legal proceedings to
evict you.
6. You may be entitled to a share of the money which was
paid for the property. A schedule of distribution of the money bid
for the property will be filed by the Sheriff on or within thirty
days of the date of sale. This schedule will state who will be
receiving that money. The money will be paid out in accordance
with this schedule unless exceptions (reasons why the proposed
distribution is wrong) are filed with the Sheriff within ten (10)
days after the Schedule of Distribution is filed.
7. You may also have other rights and defenses, or ways of
getting your property back, if you act immediately after the sale.
11085.1
.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
LAWYER REFERRAL SERVICE
Court Administrator
Cumberland County Courthouse
Three South Hanover Street
Carlisle, Pennsylvania 17013
Telephone: [717]240-6200
BINGAMAN, HESS, COBLENTZ & BELL, ~.C.
By:
'J-L, "'- -<..l
Clemson N.
k' '0 -h.
/ L., u. \1' ,
Page, Jr., EsqUire
Attorneys for Household Realty
Corporation
Dated: September 13, 1995
"011.1
TRACT liQ.... 1.l.
ALL the following described parcel of ground lying and being
situate in Shippensburg Township, Cumberland County,
Pennsylvania, bounded and described as follows:
BEGINNING at an iron pin on the West side of Pin oak Lane;
thence along the West side of pin Oak Lane, S~uth 26 degrees
West 110 feet to an iron pin; thence along Lot No.1, Section
0, North 49 degrees, 45 minutes West 152.9 feet to an iron
pin; thence along other lands of B & G Holding Corporation,
North 26 degrees East 72.5 feet to an iron pin; thence along
Lot No.3, Section 0, South 64 degrees East 148.2 feet to the
iron pin at the place of beginning; it being Lot No.2,
Section 0, in the Revised Mountain View Addition, surveyed by
John Howard McClellan, C.S., dated May, 1963.
BEING the same real estate which Audrey E. Helman, by deed
dated January 27, 1992 and recorded in the Cumberland County
Recorder of Deeds Office in Deed Book "M", Volume 35, Page
629, granted and conveyed to Edward W. Helman and Audrey E.
Helman, husband and wife, in fee.
TRACT liQ.... Ll.
ALL the following described parcel of ground lying and being
si tuate in Shippensburg Township, Cumberland County,
Pennsylvania, bounded and described as follows:
BEGINNING at an iron pin on the West side of pin oak Lane;
thence along Lot No.2, Section 0, North 64 degrees West 148.2
feet to an iron pin; thence along lands of Galen S. Asper,
North 26 degrees East, 72.5 feet to an iron pin; thence along
Lot No.4, Section 0, now owned by William J. Corman and
Ardenia M. Corman, his wife, South 78 degrees 15 minutes East
153 feet to an iron pin at the West side of Pin oak Lane;
thence along the West side of Pin oak Lane on a curve to the
right having a radius of 148.2 feet, a distance of 30.3 feet
to a point; thence continuing along the West side of pin Oak
Lane, South 26 degrees West 80 feet to the iron pin as the
place of beginning; it being Lot No.3, Section 0, in the
Revised Mountain View Addition, surveyed by John Howard
McClellan, C.S., dated May, 1963.
BEING the same real estate which Audrey E. Helman, by deed
dated January 27, 1992 and recorded in the cumberland County
Recorder of Deeds Office in Deed Book "M", Volume 35, Page
629, granted and conveyed to Edward W. Helman and Audrey E.
Helman, husband and wife, in fee.
TO BE SOLD AS PROPERTY OF EDWARD W. HELMAN AND AUDREY E. HELMAN,
HIS WIFE.
,
/{ii::=:~~.~~~SJlJ.~, No~ . . I olIOW~' .....,::.!.':~J:':
1'.,i;!;C.......ltomoJ.......U,.., . '. .10 ~..Iht;,.,
::!:~tt:"'=,no:::idd'"' .."'" ""'00 .r IN"...... INt ... _ :::~Wlng.. ~ll~orS'f'. ,;.,):
,...':::' _~'" 1tIt - .r"", _,.... tilt _" __ .1. 0 Addr.....'.Add.....;'
tl.:W"""'IltMn~"""'~_I"''''''''''l!lIlIpIocobtlOw''''_'''''''' . ....i. . ..... ,,<;.. ::
FI&~~:::::::""W_""_W"._""""- C:" ~ ":i=~~'i~~;}il.~
L .,"':' .. . 4., AlIlcle Numbolr . , ..'/
I. ~~,~~drey E. ,Helmon . Z126 563 504. . "I i:'
..105703rdSt. North:. 4b. S,"'ceTyptl<;, .' ".
1,;St.; Petersbu~g, Florida 33 ~ RIgI.I.red D Inou,o<I . .. ,
.'.Apt..,B . '. C.lIlflod DCOD. I';
I . .'. D .Ex",", Moll 0 RllUm Rec.lpt 'or.; I
"
I 7, 0.1.01 D.llw'Y '-1
I . 't) -I () . ,/
L 8. ::r,~~'1::.~1dllll (O~!r 1I,1eqUII","'l'i
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.,~ ::/'::'1'~_f~J
DOMESnC RETURNRECEIPT.:','~
.' ',-,. " ,,'.
,."".;...;,.,!I;;':':~:"';""":'\",,"'~:"";'.:;,o:.;.,-hiI:+~'ir:,4CJ;.,~\i'.d~
jr~~';0g2":"L --:-";." . .... ......' . , " .'; . .', . e.,.. ..~~.?!Si1~';
1;li.;Comploto ....... I A1J'r... ~ J...t.;. , "., oloo..WIlh.~,. recel'!l ~ tIjI,!4,.;.
1;....I~.....Comploto. ltomo..J' ....... ....b'i.....,.......; ...'.,111.<:1.... ...' lol.'aw. '.I1G.....rv 1~......I.I~.r...""...llU..........;! '..".
f;;: ;.~tt:"'= ::.~ ortlht~~.,~f.thIt 'onn ~ that ~.can. ,!~,:>.(;,...:."o._,.:..:~?'yy; ~:":::':,:;~T;I~~;;, .(
F !..jA_1Ho I... ~ tilt IIOft!.r tht ..........., .. ~ ""'._ II..... .1: q Addl8llM . Add:~.;:, !
ll....'.\.~""'IlOl. .~:.....m..."RKoiPI"............ '.""" . moioioCe...w"".......".""t,I, 2. ~ RIIlIlctlcl D~i1vt.y....;...I.....,.......I:....
1:.tI,".:CThlftetumRtcelpt;wlthoWtowhomlNlltk:lewHdtlvtndlftdthedltl ' ,', " ',' ',' ", 'I. '. ;:, I'. !;!
(.&......oiod.' '. . . , . . . COflIUIl \m.1l11 Of M,.... .,
")"3; AnleI. Addl8..o<I to: ,. .... 4..AlIlcle N"",blr ..... '.' .'.
rT<Edword w. Helman Z126 563 505 . . ,)
I' ...10570 3rd st. North 4b. S.rvlceTyptl., . '.
I.. St . Petersburg Florido 0 Roglotllo<lD 1...."0<1 '.
I. . . 33733 [J:C.lIlflod D COD ..' '1'
I. Apt B' D ExplI.. M.II D RltUm RlCllptfci.-, '.
I . 7. 0.1. OI.D~''Y t) .' .,t
1 8. Addr.....'. Add'HI lOnly If roqu.'1Id I' .
\. ",,'nd 'M I. p.ldl "'.' ~ .
1 8. SI9'l.lUlllAglntJ . .,
I' Ips Fa'...: ,un ~~~~bI; ~881 <tU.l.0P0l1_7IC DOMESTIC RETURN RECEll'1'i;;
"..1 . ,. ' , .,' "~):::<f~'~
3.3 go 3"
PROOF OF l'lIUl.lCATION OF NOTICE
IN ClII\IIlEltI.ANIlI,,\ W JOlJltNAL
(Under Act Nil. 5N7. apprllwd Ma)' 1(" II):!')). P. L,I7114
STATEOFPENNSYLVANIA :
ss.
COUNTY OF CUMDERLANIl :
Roger M. Morgenlhlll, E.~llllh'I" Edilllr III' 111,' <:lIIl1h~rland Luw JlIurJIul. Ill' lhe Counly
und SllIle uforesuid, being duly SII ..I'll. lIcL'lIrdill:! III la\\'. d,'I'II.'~'~ und SlI)'~ thllllhe Cumberlulld
LllW JlIurnul. u legul periodical pllhl;,II,'d illlk Il..rll!l:'h III' CarlisI.' inth~' Cllunly and Stute
uforesuid, wus eSlublished Junllar}' ~, I C)5~. alld d,'sigllakLl hl' Ih~' IIIeal cllurls :1S Ihe IIfficiul
legal periodicul for Ihe publicatilln ..I' allll'l'alnlllic.'s. and Iws. since J:lIluary 2. (1)52. been
regulurly issued weekly in Ihl' said ('IIl1l1ly. and 11I;lllh~ pril1l~'d nlllicl' III' pllbliculilln ulIm:hed
herelll is exactly the sume us wus printcd ill 1I1L' r~'l!lIlar ..dilillns und issues Ill' lhe suid
Cumberland Law Journul on the li,lI11winl! dales.
viz:
OCTOBER 20. 27. NOVEMBER ,'.~..
Affiant further deposes thuI h~ is allthllri/cd III wrify lhis sllllement by the Cumberland
Law Journul, a legal periodicul Ill' gt'nl'ml cil\'lIlalilln. and lhal he is nllt inlerested in the subject
muller of the aforesuid nlltice Ill' udveI1is"Ill~'1I1. ami Ih:1I all :llIegatillns in lhe fllregoing
sllllemenL~ us 10 time. pluce uml chamCICI'lIr l't1hlkalilln 011\' true.
;1 Il&ALATAD~1l0.4
"'
- --- --
Writ No, 95.3341 CIvil
Houaehold Realty CorpomUon.
d/b/a Houoehold FInance
Consumer Discount Company
va.
Edwanl W, Helman and
Audrey E. Helman
Atty.: Clemson N. Page. Jr.
TRACTNO, I: I
ALL the CoUowIngdescribed parcel
or ground lying and being _Ituate In
ShIppen_burg Township. Cumber.
land County. Pennsylvania. bounded
, and descrtbed ... COIIOWB:
BEGINNING at an Iron pin on the
West _Ide or PIn Oak Lane: thence
along the WesI_lde or PIn Onk Lane,
South 26degreeo West 110 reetto nn
Iron pin: thence nlong Lot No, I, Sec.
lion D. North 49c1egreeo. 45 mlnul..
WestlS2,9 reel loan Iron pin: thence
. . . .._.. n ..,.....,.
NOTARIAL SEAL
TERESA J. BURKHOlDER, Notary Publ1c
Carlisle, COOlbortand ColIlty, PI.
My Ccmmlsslon Explros Feb. 12, 1996
SWORN TO AND SUBSCRIBED brfllre me this
__!ll.day or _M.OVEMIlER ,1995
cJ',t" l /j,,, 1;';'16, /
, N#ury
r '
,
\
Proof of Publication of Notieeln The Patriot and The Evening News
and The Sunday Patriot-News
Vader Art II... a7. Arpro'ed )Ia, Ill. ._.
CommMlwealt1l 01 Penruylvnnia. }
COlml" 01 Dal/pllln II:
.......................r.,r.~.n.Js...\T,:....~p.l~!;.................................belnlf duly swam accordlnll to law. deposes and saya:
Controller
That he Is the .............,....,.........of THE PATRIOT - NEWS CO.. a corporation orllanlzed and exlstlnlr
under the lawa of the Commonwealth of Pennsylvania. with Its principal office and place of bualneu at
812 to 818 Market Street. In the City of Harrl.burlr, County of Dauphin, State of Pennsylvania, owner
and publisher of THE PATRIOT and THE EVENING NEWS and the SUNDAY PATRIOT.NEWS
newspapera of /feneral circulation, printed and published at 812 to 818 Market Street. In the City.
County and Stata aforeaald: that THE PATRIOT and THE EVENING NEWS and the SUNDAY
PATRIOT.NEWS were established March 4th. 1864, and February 16th. 1917 and September 18th.
1949. reapec:tlvely, and all have been continuously published ever alnce;
That the printed notice or publication which la aecurely attached hereto la exactly aa printed and
Metro West 24th and 3lst days
publlahed In their reJrUlaredltlona and luues which appeared on the ..........................................................
of October and the 7th day of November 1995.
..,...................,................."................................................................,.........................,............................,..............,.......
That neither he nor aald Company la Intereated In the aubject matter of aald printed notice or adver.
tlalnll. and that aU of the allellatlona of thla atatement aa to the time, place and character of publication
are true: and
That he haa peraonal knowledlle of the facta aforeaald and la duly authorized and empowered to
verify thla atatement on behalf of The Patrlot-Newa Co. aforesaid by virtue and purauant to a reaolu-
tlon unanlmoualy puaed and adopted aeverally by the atockholdera and board of dlrectora of the said
Company and aUbaequently duly re.:orded In the office for the Recordlnll of Deeda In and for aald County
of Dauphin In )I1..olllneoul Book "M". Volume U. PI~' 317, __' __ ~
eopy of Notice or Publication .................~.. ....,~.........................,',.......
to and aubsc . e fore t~. at.h....day of
Nq.y.!i\!\l."'er5 . ~ /" / AL-e pi'-",
t'<JLari .. , It ~;.~'''''''~'_~
TIlITV L, Russell. Nollry' Nol4fi1 Pvblic
Ha"i>bu,g,.t;",n county
M ~lilIltIlilMln HlNlll,O..I,~II.. ..........................
siiiiimiiii"orraYirtising Costs
cu~~.~.!~.n~...s!?~.n.~y...,~.h.~E~g~.~...g.t~.~g.~.......
Carlisle, PA. 17013
.............................................,..............................,.....
To THE PATRIOT-NEWS CO" Dr.
For publishing the notice or publication attached hereto on the
480.00
above atated datea . $............................
ProbatlRIl aame ,........i1.tl};,~.~....
S ALE NO. 4 Total $............................
Publisher's Receipt for Advertising Costs
THE PATRIOT-NEWS CO., Jlubllaher of THE PATRIOT and THE EVENING NEWS and the
SUNDAY PATRIOT-NEWS. newspapers of general circulation, hereby acknowledge recerpt of the
aforeaald notice and publication coata and certifies that the same have been duly paid.
TilE PATRIOT-NEWS CO.
Ry..,..,.....,.........................................................................
", __11 IMI No. 4
k;',;;.c.~_ No."""1 CIlI_
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Assessed Valuation
SALE NO. 4
Advance Costs Pd.
Atty., Clemson Page Jr.
$6,700.00
WRIT NO. 95-3341 Civil Term, 199
Household Realty Corporation
d/b/a Household Finance Consumer
Discount Company
vs
Edward W. Helman and Audrey E. Helman
117 Pin Oak Lane
Shippensburg, Pa.
REAL DEBT 98,324.32
INTEREST
ATTY'S COMM.
WRIT COSTS, ATTY. 81.00
WRIT COSTS, PLIFF
ESCROW
LATE CHARGES
SHERIFF'S COSTS.
DOCKETING
POUNDAGE
POSTING BILLS
ADVERTISING
ACKNOWLEDGING DEED
AUCTIONEER
LAW LIBRARY
COUNTY
MILEAGE
MONEY MADE WRIT
CERT MAIL
POSTPONE SALE
LEVY
SURCHARGE
Leg/ll Search
ADVERTISING
LAW JOURNAL
PATRIOT
SHARE OF BILLS
DEEDS
Sheriff's Deed
Federal Stamps
Pa. Realty Transfer
Twp Realty Transfer
TflXES 1995 Co.
1993,1994 Taxes
Water
30.00
1,966.48
30.00
30.00
30.00
10.00
.50
1.00
'11776
11.63
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481.00
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Tax'Claim
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BINGAMAN, HESS, COBLENTZ , BELL, P.C.
By: Clemson N. Page, Jr., Esquire
Attorney I.D. No. 25616
660 Penn square Center
P.O. Box 61
Reading, pa 19603
Telephone: (610)374-8377
HOUSEHOLD REALTY CORP., d/b/a
HOUSEHOLD FINANCE
CONSUMER DISCOUNT COMPANY,
Plaintiff
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
VB.
No. 95-3341
ACTION IN MORTGAGE FORECLOSURE
EDWARD W. HELMAN and
AUDREY E. HELMAN,
husband and wife,
Defendants
.., .... this ~~y 0" . "". upon
consideration of the attached et ion filed by Plaintiff, the
Court grants a Rule upon the Defen ants, to show cause why the
Petition to Set Aside Sheriff's Sale as to Tract No. 1 on Sheriff's
Deed Dated January 26, 1996 to Plaintiff and for Issuance of a
Corrective Deed should not be gran ed. ~ ~\eA ,
RULE RETURNABLE on 20 ,_i1.11 J.
An.....
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BY THE COURT:
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BINGAMAN, HESS, COBLENTZ & BELL, P.C.
By: Clemson N. paqe, Jr., Esquire
Attorney 1.0. No. 25616
660 Penn Square Center
P.O. Box 61
Readinq, Pa 19603
Telephone: (610)374-8377
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HOUSEHOLD REALTY CORP., d/b/a
HOUSEHOLD FINANCE
CONSUMER DISCOUNT COMPANY,
Plaintiff
.
.
.
.
.
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
vs.
EDWARD W. HELMAN and
AUDREY E. HELMAN,
husband and wife,
Defendants
No.
ACTION IN MORTGAGE FORECLOSURE
ORDER
AND NOW, this day of March, 1996, upon consideration of
the Petition of Household Realty Corp., d/b/a Household Finance
Consumer Discount Company, to Partially Set Aside Sale and to Issue
a Corrective Deed, it is hereby
ORDERED that the Sheriff's Sale of the parcel of real estate
identified as Tract No. 1 in the Deed dated January 2, 1992 and
recorded in Deed Book Volume M-35, paqe 803, gt~. be set aside;
it is further
ORDERED that the Sheriff of Columbia County is hereby directed
issue a corrective deed to Petitioner conveyinq only that parcel of
real estate identified as Tract No. 2 in the Deed dated January 2,
1992 and recorded in Deed Book Volume M-35, paqe 803, gt ~.,
Cumberland County records.
BY THE COURT:
I75JU
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~,
BINGAMAN, HESS, COBLENTZ' BELL, P.C.
By: Clemson N. Page, Jr., Esquire
Attorney I.D. No. 25616
660 Penn Square Center
P.O. Box 61
Reading, pa 19603
Telephone: (610)374-8377
Attorneys tor Plaintitf
File 9421-195
HOUSEHOLD REALTY CORP., d/b/a:
HOUSEHOLD FINANCE
CONSUMER DISCOUNT COMPANY,
Plaintift
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
.
.
.
.
vs.
EDWARD W. HELMAN and
AUDREY E. HELMAN,
husband and wife,
Defendants
No. 95-3341
ACTION IN MORTGAGE FORECLOSURE
PBTZTION OW BOUSBHOLD RBALTY CORPORATION, D/B/A
BOUSBHOLD WINANCB CONSUHBR DISCOUNT COMPANY
TO SBT ASIDB SBBRIWW'S SALB AS TO TRACT NO. 1
ON TBB SBBRIWW'S DBBD DATBD JANUARY Z&, 199& TO PLAINTIWP
AND POR ISSUANCB or A CORRBCTIVB DBBD
Petitioner, Household Realty Corporation, d/b/ a Household
Finance Consumer Discount Company, by and through its attorneys,
Bingaman, Hess, Coblentz & Bell, P.C., respectfully represents:
1. Petitioner cOlD1Denced the above foreclosure action by
filing a Complaint on or about June 21, 1995.
2. Service of the Complaint was effected upon the Defendants
by the Sheriff of Cumberland county by serving Edward Helman
personally and on behalf of Audrey Helman.
3. Judgment by default was entered in favor of Petitioner
and against the Defendants on September 13, 1995 in the amount of
$98,776.14, together with interest from the date of judgment and
all costs of the action and for the foreclosure and sale of the
1
17>>1.1
Defendants' property located at 117 Pin Oak Lane, Shippensburg,
Cumberland County, Pennsylvania 17257 (the "Property").
4. Petitioner caused a writ of Execution to be issued to the
Sheriff of Cumberland County scheduling the sale of the Defendants'
Property for December 6, 1995.
5. Petitioner was the successful bidder of the Property at
the December 6, 1995 Sheriff's Sale.
6. The Sheriff of Cumberland County executed and delivered
a deed to Petitioner dated January 16, 1996 and recorded on January
29, 1996 in Deed book Volume 134, page 371, ~ ~., Cumberland
County records.
7. Subsequent to the recording of the Sheriff's Deed,
Petitioner received a telephone call from the Cumberland County
Assessor's office with respect to the property conveyed to the
Petitioner by the Sheriff's Deed.
8. The Sheriff's Deed to Petitioner conveyed two tracts of
land: (a) Tract 1, known as Lot No.2, Section 0, in the Revised
Moutain View Addition, and (b) Tract 2, known as Lot No.3, Section
D, in the Revised Mountain View Addition.
9. Petitioner was advised that the Defendants were not the
owners of Tract 1 since that parcel had been previously conveyed to
B & G Holding Corporation by Donald R. Ridgley and Audrey E.
Ridgely, his wife, by their deed dated July 5, 1972 and recorded on
September 1, 1972, in Deed Book Volume U24, page 302, et seq.,
cumberland County records. A true and correct copy of that deed is
attached hereto as Exhibit A and incorporated herein by reference.
2
175$4.1
10. The Property was subsequently conveyed to William E.
Rogers and Dorothy L. Rogers, his wife, by deed from B & G Holding
corporation dated October 3, 1972 and recorded on December 21,
1972, in Deed Book Volume Y24, page 385, n ~., Cumberland County
records. A true and correct copy of that deed is attached hereto
as Exhibit B and incorporated herein by reference.
11. Prior to the commencement of its foreclosure proceeding,
Petitioner obtained a present owner search with respect to the
Property and also obtained a copy of the deed conveying title to
the Defendants. That search indicates that the Property was
conveyed by Audrey E. Helman, formerly Audrey Ridgely to Edward W.
Helman and Audrey E. Helman, husband and wife, by deed dated
January 27, 1992 and recorded on January 29, 1992 in Deed Book
Volume M35, page 629, ~~. A true and correct copy of the
present owner search is attached hereto as Exhibit C and
incorporated herein by reference. A true and correct copy of the
deed to the Defendants is attached hereto as Exhibit D.
12. The January, 1992 deed shows two tracts of property being
conveyed to the Defendants: (a) Tract 1, known as Lot No.2,
section 0, in the Revised Moutain View Addition, and (b) Tract 2,
known as Lot No.3, Section D, in the Revised Mountain View
Addition.
14. The legal description contained in the Mortgage which the
Defendants executed and delivered to Petitioner on April 1, 1994
and which is the subject of this proceeding, referenced the
property desribed in the Deed recorded in Deed Book Volume M35,
3
17554.1
copy of the Mortgage is atached hereto as Exhibit E and
incorporated herein by reference.
15. petitioner believes and therefore avers that the January,
1992 Deed incorrectly set forth the property conveyed to the
Defendants since Tract No. 1 of the deed had previously been
conveyed.
16. Notice of the Sheriff's Sale was not given to the owners
of Tract No. 1 in compliance with Pennsylvania Rule of Civil
Procedure 3129.
17. petitioner hereby requests that the Sheriff's Sale be
voided as to the parcel identi f ied as Tract No. 1 since the
Defendants are not the owners of Tract No. 1 and were not properly
notified of the Sheriff's Sale.
WHEREFORE, Petitioner, Household Realty Corporation, d/b/a
Household Finance Consumer Discount Company, requests this Court to
enter an Order directing that: (1) the Sheriff's Sale of the
parcel of real estate identified as Tract No. 1 in the Deed dated
January 2, 1992 and recorded in Deed Book Volume M-35, page 803, ~
sea. be voided; (2) that the Sheriff of Columbia County issue a
corrective deed to petitioner conveying only that parcel of real
estate identified as Tract No.2 in the Deed dated January 2, 1992
and recorded in Deed Book Volume M-35, page 803, et ~.; and (3)
for such other relief as this Court shall deem just and equitable.
Dated: March 22, 1996 BINGAMAN,
By:
4
, Jr.
S1S54, J
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K~D.1lN 5th MI/o( July -
'" u.. /1_ ."'",'" A....drtd """ "."""wo,
J6enlleen DOIII.Ul B. ItI1lOLEI ODd AUllIIIll .. IIIDOLEI. 111. w~.. ~
ell. BorOl1F ot 8Il1pp.n.llw's. CUab...1In4 County. ',"1III1J'1...n1ll.
_ _ _ - traftlor. "
...... B. 0 BOlDllIO COIll'OllA'rIO., . ......71'f1D1. oOl'por..lo.. wlo1l
pr1DAlpal plaa.'ot bulln... at Or.ana..,ll, 'Inna., 1~' ~QD...or'
and a..18DI, -
,......,.., .
f41lmll"". ,.""./.. ...nndIra""".' ...1u.blo .0"'1".r.01." ODd 6i'.oo .-
dollIJ>o', /.. ""..., plied, ll.. IWIIp4 tIIMniJI" "':.:",1 lU1r:""tIIZIdIId, u.. laid
1_""" do 1iI""'1/ po", lI"d "'''.'/1 '" ll.. pont..
:all ell. to.LlowlDa d...rlbod p.....1 ot sr.W14 171Da ODd b111DJ
81wat. 1n tsoUthaaPCOD '1'ownahlp, CWab8l"laDd. .CoUDt7. I'lzmlJ'l'1'm1I,
bcn\D4e4 and. 411C1'1bed .1 toJ.lo... " ~..'. ...
BmIJUIIlG at an 1roD plD aD thl _.., alGI ot
PiD Oak lAD" menD' 110118 chi ..., 1141 ot
.1ft Oale J,en., tlouoh 118 d.P'OI. .... UD to~
to an iron pin. 'thenol aloD4 toe No.1. SaDllOD
D. Nonb 49 d.lP-'" .6.1mltl, ...t lb:r:.o tin
'to In !roD pin. 'thenDe .10-. o~er l'!lDdI at
B . 0 Boldlng Corpol".~1on, Marth we ae~... >>l.e
'2.b teet 1:0 In 11'OD pm. thenc. along Lot Wo. a.
aeo~1on D.,~u~h ti4 4081"0.. te.t 1.e.2 teet ~o
tho iron pin ao on. pl... .t bog1nnlng, 10 bo1ng
Loti )fOe 2. tleoc1on D. ln tne tlft'11a4 a.!ouncalll
VI.. Addlol.n, ."....704 lr1 Jobn ItOwlol'd II.Clollul.
O.S.. aated M17. 18t);). .
It IlIa"O on. ..... r.al ....to .on...yod b7 B . 0 Ho.lCllDa
Col'pOratl.n 00 Don.ld B. IIldS11J' ODd AUdrlJ' B. 11lcISllJ', 111. W11"..
'P'ano.r. b.nln, lr1 d.od datod July 5. 1971 anCl r.......od 1D
CUIIbOl'1M4 Counoy U.od Book'tl'f01. 24 '.S. 956-
. \1111. aan.,.,.na. 1. ..4. and. .0aap~e4 lUaJ.ae t.O to. ro.L.loW1Dc
I"lltI"101:1... aOyeDant., w.D1CA 1.1"0 .ad. . pare or ca. oon.lcier.C10D ~
cb1. caDYQ'anc., aM which, 11: 1. agr..s ..7 be entol"oe4 a8110.t t.a.
graDC'.., Cheir h.1r1 and. ...18D., a. n..elna1'car pro.,14a4, "O"l"~
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I . -~ DoJl&14 B. H1ac~
.... . r-' ,....' .f1I.1.II..Il.w;..'ft....'li.it.'/.!J."e
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Commollll1ealUo .f P"""vllHUlilJ, }". :
Countv .f n._ Culllbarhnd
0.. /IoU. 1M. ....?~~......fiGv .f.....~~~y. ..'..,~............19.7Il,IHf",.. "'"
... ................................,... ,1M -ril/lid..IJIow, pvlOlIIIllv-"",,
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ill Ih4IJ<<11' ~ ...1IdreIt AM ....nt7.t.oJ
JeCl\1lccn B 10 0 HOLDIItO CORPORATION, a PoM'Ilnn1a corporation
.l~h principal pllal or bUllna.. at Or..ne..t It Pinna.,
Ita IUDCI,Dora and ...1enl, ~A~
......, WtUUM E. ROOIlRS an4 DOROTHr L. ROGERS, hl. wito, ot
SouthlUllpton 'townahip, Cweberllnd Count,.. PIMA" II tenant. bJ
oAf..n" 1M
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the tntlrl'l.
t,.,.u, 0 .
OJlml.JClb, TAm II< colUfAlurJUo.. of Two Thou..n4 Sonn I\undrotl Pltt7
($2,750.001 '
,1Dllan. /.. ll<uId ,,,,/d, If.. rcctlpl "'''-f II MmU 1Uk_1Mlt0ll. 1M ",Id
tl'GllW diI.. IIIrtbU ,ra..' """ -v 10 /11I _,- o.
all tho tollowlll,ll doaerlbod poreol ot ground l71ns 0114 b:lns1
.1~u.t. In Southampton Township, CUMberland'Cauntl. 'Innlfl.1nia,
bounded and d"crlbod II ro~lo.'1 ,
.
IlZOI:IlIIIiO at on lron plIO on tho wo.t .ldo ot
Pin Oak Lan,; thenoe Dlona thl WI.t aid, or
Pin Oak Lano, South 26 degree. We.t 110 t..t
to In iron plna thene. Ilona Lot No.- 1. Slot10n
D, North 49 dearoa. 4S mlnuto. ~oat lS2.9 toot
to an Iron pIn. th.no. Alana ath.r 1Inda at B
. Q Holdlna Corporatlon. North 26 d.ar..s Bait
72.5 t..t to an Iron plnl th.no. .lone Lot NO.3.
S.ctlon D. South 64 decr..s East 148.2 telt to
the iron p1n at thl plaal at blslnnlnal It bllns
Lot No.2. Sootlan D. 1n.the R'71..4~"auntaln ~
Vle. Addltlon, aurvolad bJ John Ho.ord Me~lollln,
C. S.. dated NA7. 19&3.
. It BBI>>G thl .... r.al' .atate con.17ld b7 Donald B. Rldu11r
and Audr'1 E. :I1d6101. his wlt.. to B " 0 Holdll18 Corporation.
srantor hlrlln, by dl.d dated and recorded 1n
CWlborlsnd Countr D..d Book . Vol\DIIl . 'lgI .
. Th1s convoYAnce La mAdo and aco.pt.d lubJ.at to to he tollo.1ns i
rlDtrlotlY' cO.lnantl. which nra.madl I plrt ot the Gonalderltlon at
thl. cony.yanc., Ind which. It 10 Isr..d may ba enlorc.d .Sl1nst thl . I
grante.., their helrD and .salena, a. h.~d1n.rtor prOvldod, ta-.1t~
,
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1. No lot aholl be used. axcopt tor r.lldenUll purpo.... and no !
bul1dlnc ahall be Irlctldl olterod. plac.d or plnaltt.d ~o remain on
an1 lot oth.r than ono (1 detached. ono or two t..1l7 4w.111na hau'l.
not to e~eocd t.o .nd ono.halt (211 atorlo. 110 hol~tl ond a prlyato
gafagl not larG.r th.n neaesaary to accomodlte two (2 p....na.r typo
aut.omoblleo. :!
2. No dwolling haUl. cODtlnc le.o than tlJ.SOO.OO (th1rteen thou.and
tlyo hundrod) dolllr' lneludlng tho prleo ot tho lot .holl bo oraeC.d
or po~~tt"d to,r....ln en 0101 lot. , _ ,.. ~. ..... ~... ,. ,I
&e<< Y 2.lrm 3S:; I
EXHIBIT "B" !
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. 3. '0 bul1dln~. pArt ot . bu1141nc. ~orch n~ oth.r .truG~ura Ihftll
bl built on an:r lot oloaor to the aanter or Old ~ultlaoro Ron.d than
':-50 (tittJ') t..t. No bul1dlne;, p.~t ot building, porch or othor lCru.otur'
.hall b. built on A"' lot 010"1' to th. ald. ot Pin t'ak :onna than 50
, Iht1tlltlbl tbut11, :'0 bullet,lnC'lPr.rt or bu!ld~nc, pqrOhr or 'Jt:tor .crt'secure
~ .. . u t on an7 ..at c our to the dde 0:' ..,11 QW ~rlY, than 0
Itlttl1 root. ' '
4. :10 buUdinG. part or bul1cUnc. porah, or 0\1101' :ltruotW'o lhall
be built on an1 lot n.a,.o~ than 1S (rttt..n) t,~t to an lntlrlor lo~
1:'nl,
S. A lot and ona-halt _bill bl oon=~dor.d on. lot ao to tho
horelnbdtoromontlan.d "'Dcrlations.
b. Thoro la rllloMod tor tho banoUt ot onoh lot In 1...::Iant and.
richt ot pituita' 1S (tlttoln) rooc wtd. alone tho roo,. at loti ana,
two, thro., tour, and flye tnI' InDtallatlon and ~olntonanao at .loatr1a,
telephone, C." wator ftnc1 othor utUlt:; 11noD and. tor their ...o1ntanAnoe.
1. "0 alen ut any ~lnd ahall be d~Dplft1.d to t~e publlo vl.. on 0"1
lot, except that on anr lot one profuAalonftl I~Gn not larGer than
on. (1) AquaI" toot In 111. ma, be erootod or d1splft~ed, and ahould
tta property, b. tor 1101. or for :aGnt une I1Gn or not ::zor' than two (2)
aqulro teet ln slz. may be oreDtad And dlapln1ed, advortlaln& that
tho propart1 Is tor 101. or for rent, but thls rOltrlction ahall not
be conotrued to provent .the .roct1qR and dlaplo~ or slen. ~Iod b7 a
bullder to advertl.e tho proporty durinc oonat~Jctlon and .aloa p.,.l04..
8. No an!..als, llyeatoclt, or poult!")- at an7 ::1nd shall b. rallOd,
bred, or kept upon any '~t, .xcept that ot dogs, and cata or other
houa.hold pota may be,kept, proY~ded ttat they are not k.pt, bred or
ma1ntalnod tor, any eommorclftl purpo.e.
9. No lot ahall be uIod or mR~ntalJ1od a. a dWllplng grouha tbr
rubblah, and no traah. sarba&. or other .aste ~aterlal ahall be. kept
upon tha lot, excapt tomporarl1y and In ,anitary Donta~nors, and all
lnclnerators or other equllnnont tor tho otora,. and'dispoaa1 or auCh
aatarlal ahall be kept 1n A el.~n and .anltar: aondltlon. All la~
ahall b. kept mo.~d and ~e.ds cut a hol~~t ot no ~oro than a1cht (8)
lnchea.
10. All ao.as. dlspoa.l shall be by an approvod tJpe septic tank
and latarala capable or dl.po.lng at tho aa.aco.
11. No tence or ant structure or atml11ar ~tructure sholl be
permitted on an, trant lot 11ne or on7 alda lot 11no clo..r to the
aentor at Old 3altim~ro Rood than 50 (t~rt7) toet and olo.er to the
odse at Pin Oak Lane .nd ~111o. Drlvo than 45 (torty-flve) teet.
~o hede_ or other plantingD ove,. 2 (:wo) foot h1Ch o~a11 ba pe~tto4
~n any tront lot line or an7 aide lot 11ne eloa.r to tho a~nter or
Old Baltimor. Hoad tl".an 50 (titt,.) :Oeot and clo.or to tho edeo or
Pin Olk Lane and ~1110w Drive than 45 (torty-rlve) reet.
12. :ro boJi1dinc ahall bo eraatlc!. whooe extertor conatruction 11
concrete block, clndar block, or co=posltlon ohir.Gla.
1). ::0 trlllle,. or mob!le homo Ihall bo peraltted on any lot or
atreet tor eore than twant7-!our hours.
14. Yo collar, Sarace or any other struetura ~}:Iln a reddanc.
cOltlne thirtoen thousand :ivo hundrod (C13,SOO.CO) dollara includlng
the price or the lot shall be usod tor llv~n& quart.r. o~tha,.
tooporarl11 or pennonontlr.
15. Ko trucks or trnDtor ~rDil.~. or tractor or trailerD at over
ana (1) ton capDcltr ahnll be pa~lttod on an,.' lot or on 11n Oak Lane
or ':\'l11ow Drive at any t1.':IO exc.p~ tor lo.cllne, unlollcUng, and
dallverio..
16. In all lata !n tho ~ountaln V1ew Addlt!on 1n Southamp;on
Townahlp Cumberland Countr, PonnD11vanla, ~ha 3 h Q Hb~d1nB
corporation, or Ita .~ccea:ora or .aslen;, wll1 Dat all ~radea tor
~lldln&s on tho lota, wj~~uh err-do. whon once cot :01' . lat mA1 no~
bo chanced, and alone the 1n;ar~or and bftc~ lot linoE, ftn, terrace.
within ;wentJ (20) feat or tho lot l!noa{ ahall not bo It~.p.r than
one (1) toot tn ol.v.t~on :001' overJ two 2) tlot or horl:ont.l
dhtana..
IC';~ Y2.1'1I1 386
.......-..
-
0'1, 18 P" EST
11/03111II
pege
1
.
FROM
OATt': 11/03/1111
))))OATA
SEA R C H
INC. (( ((
"The In'ormatlon People"
7310 Rltchle Hlghway
Emplre Towere
Sulte 1010
Glen Burnle, MO. 21081
('110) 780-311'12 (Local)
)))))))))))))))))))'))))))))
1-800-838-7000 (Toll Free)
FAX ('110) 780-18110
--------------------------------------------------------------------------------
DELIVER TO, Joanne R.
FAXII 181037831011
COMMENTS, Legal Oescrlptlon Hlll Follow
Property . JUdgmsnt Report
Cllent, Blnga.an, Hess, Coblentz, Bell
Called ln by. Joanne R. Mall Stop.,
Rs-Issusl N 388782 Branch/Cost Csntsr. I
Cueto.erl Hsl.an, Audrsy E. . Edward H.
Addross.1 117 Pln Oak Lans
Address. I
Clty....1 Shlppsnsburg Stats. PA Zlpl 172117
county. .' CUMBERLAND COUNTY
GRANTOR, Helman, Audrsy E. Formsrly Rldglsy
REPORT I I 3777111
REPORTED THRU, 10/31/1111
Fel Slmpls.IX
Lsasshold. . I
Amount. . . . . I
Payabls By..
Insured. . . . . . . I X
T1Us Pollcy I,
Commlt.ent B.. I
UnInsured. . , . . t
...............................................-..
OHNER.., Helman, Audrsy E. . Edward H.
(Husband/Hl's)
..................................................
Oats 0' Desd..., 01/27/92 BOOK...,
Deed Recordsd.., 01/29/92 PAGE...,
BLOCK. I LOT. . ,
DESCRIPTION.. I Shlppsnsburg Townehlp
Tax Idl 38-3S-2385-050a
M35
829
SOUARE. I
Md Stamps.....,
Consldsratlon. I
SECTION. I
1.00
Land. .. .. .. . I
Improysmsntsl
Total. . . . . . I I
8700. 00
TaXIS. . I . . . . . I
Tax Ysar..... I 1993-9'1
DELINOUENCIES, Yss/121118.1I'I Dus
--------------------------------------------------------------------------------
Mortgagse' Household Flnancs Cons.Dlsc. Co
Recorded. ,0'1/0'1/9'1 Datsd, 0'1/01/9'1 Book. I 120'1
Due.I.... I
slgned BYI Hslman, Audrsy E. . Edward H,
Amount. . I
Pags.1803
78'100.00
Opsn-EndlY
------------------------------------------------------------------------------
Mortgagee,
Recordsd. I
Due..... I I
Book. I
Amount. . I
Page. , Opsn-Endl
Oated,
------------------------------------------------------------------------------
Mortgageel
Rscordsd. ,
DU8...... t
Datsd,
Book. ,
Amount. . ,
pege. , Open-End.
------------------------------------------------------------------------------
Mortgagesl
Recordsd. ,
DU8...... I
Dated,
Book. ,
Amount. . ,
Pags. , Opsn-Endl
..............................
J U D G
Amount
32'11. 39
H E H T 5 ...............................
P181nU"
Randy Chambsrlaln/Cs. 199'1-032'111
Dockst
Page
Date
08/15/9'1
Agl Edward Hslman
07/28/95 98778.1'1 Housshold Rsalty corp./CsB 191111-033'11
Ag, Edward H. . Audrsy E.
Thls report was complled sxcluslysly 'rom ths PUbllc Rscords.
It ls not to be construed as an oplnlon
0' the tltls, tltls guarantse, or tltls lneurancs.
END OF REPOR~ Fss 'or thls report ls
EXHIBIT "c"
Data Search, Inc.
7310 Rllenl. HlghwlV, 10lh Floor
Glln Bumll, M.ryland 21081
FAX ORDER FORM
CuslomBr Service: (410) 760.394~
(800) 638.700C
FIX: (410) 760.18SC
(800) 626.7S3C
Client Infonnetlon:
Your Company Name: BINGAMAN , HESS, COBLENTZ & BELL ,
3';{ 9 C/
11/2/95
City: ReadiE;..
Your Neme: eJoAnn ~./Clem/Mary/
Phone Number. [610 J 374-8377
Stale: PA
P . CYour Client Number.
Today's Date:
11me:
Fax Number. [610 J 376-31 05
Cuatomlr Infonnetlon:
Edward W. Helman
Sac. SIlC, II
BOrTOWer.
Co-Borrower.
Audrey E. Helman
117 Pin Oak Lane
Sac. Sec. II
City:
Shippensburq
Cumberland
Addl1lss:
17257
PA
ZIp:
County:
1st Mortgage? Household
2nd Mortgage?
Realty Corporation
Slate:
How long have they lived at this addrass?
Jan. 1992
Phon. Numb...:
CO.BorTOWers:
Home Phone:
Borrowers Work:
ntll Reports:
~ Standard P & J
'Full Service P & J
'11Ue Search with NO Insurance
'11Ue Search & nUelnsurance
UpdatelRe-lssue
OIdRpl.' 369762
Tax Lien Notices,
if anv
'Indud" Plck....p IIId DtIlvIlV of your dOCllllllll. updall.1nd alln~ nport or tilt. pollcy.
Flood Clrtlficatlone:
~ Standard Flood Certlllcatlon
Ufe of the Loan Flood CertlllcaUon
If In a Flood Zone, Upgrade to a Ufe
of the Loan Certlllcate
=f
Appraisal Rlports:
Appraisal with Comparable Pictures
Appraisal without COmparable PIctUI1IS
Drive-By with COmparable Plctul1ls
Drive-By without COmparable PIctUres
FIeld Laok-Up
Desktop Review
Desktop wi outside I1Ivlew
COlporatl Slrvle.s:
County UCC Search
State Level UCC Search
Federal Level Judgment Search
County Judgment Search
Copy of the ArtIcles of IncorporaUon
Good Standing Certlllcate
Notes or addlUonallnronnaUon: please provide us with the requested lien and property
search update by tomorrow afternoon (Friday, November 3, 19951 with
the addresses of any additional lienholders. We need to send
notices to the lienholders by tomorrow's date if there are any
additional lienholders listed since the 9/13/95 report. Thank you.
'!h. /nfonna/ion poopIt' 'HMng your nH<U Into Iht 21st COllI,,' '
s.Melng Maryland. DtIIW8'" P.nnIVlvanll. VIIlIInIl, Will VIIlIlnla, North Carolina. South Carolina. T.nn....., Gto'1lIl, Ohio, Kenlllc:ky. Indllnl. "', ,;am'
lne! Thl Dlltrtcl 01 Columbia, IIY 5191'"
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fi'e:in ~..;"!. ,nd Morl,,1C' ~IHQ;l.D ,.NANCE CDNSUoIl!R OISCDLNT CllM'~
. *polIllon orl'nlud ,nd ull\ln. uiiilifllii1i... 01 PEIIlII'IL YAN I A
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11 WIIURI!AS. Ilorr;"ir i. lI;dobledlo Londer In' the prlaclpallllln or S .
ma'~ It, DorIO""" Laan R.pa,mont IlId Securll, AI,eemenl or SocoIlCl." MO'II'.. Imn Al"'"'lftl dated
Ind ,n, IIt.IIII"n" Of ,.,,_1. thlreot (honln 'NOI."), pmvld'n, rm munlhl,.lnaI.llmon,-
"CIIp1' .n 1111I. InclUdln. ,n, ...fullm..... 10 lhe .mOllllt ot pa,men.. or the conlreet ..I. U 11I.1 rI" ..
.., IbI.. ..llh Ihe bal,nco of III. Indlbledn..Ir not _er paid, due lne! pI,.bl. on :
m WnnRD^S, IlII''''''.' i~ lndlbled I.. ,...d.r In Ih. ",lneip.III'm 01 S '18 ,.00,00 ,....11I much \hen;ot
liiI'in., be adUII~"" ruMI"1 10 Do,"",.,'.. R.volvin, Laan Acrnmonl claliCJ" Al'Rll. I, 1~ Ind
u\lalonl'nd ,one...l. Ihereol (herein "Nol!l'), pro.;dln, ror monlhl, inal,"m""'" Ind Inl...l .1 lit. .... .nd undot
lhe letm,IpeclRed In 1M Nnl.. Indudln".nt ld/llllmlftlllln thllnlelClt ..Ie II thlt nlo fa ...r.bI.. .nd ptO'Ildln. ror.
credit IImlt...tad In th. prlncipillUm .&0". Ind In Inld.lldv.nco of S 70. ADO. 00 ;
. . 1'0 SDCUIllI 10 Lond.r, the rep.,m.nl cir (I) th. Indlbladn... 1.ldenced br lhe Note. "Ith Inlllfeot lI:ot......
lncludfn,"n, 1_..lIth. conlnel nle II ..,ll&le: (Z) rulU" .dvlnc:co undlr Inr RlvoI.ln, Loon A,rcem...t; (3) the
parrnonl or III other 1UIflI. or!th inlerelt thoreon. .d..nctd In ICCOrelonCO h.;.,./th 10 protect th. _11y 01 thie
Morll'l'l Ind (~) Ih. petromun.. or tho co",,"ntl In<! 'Immen" or Dorre...r herein contlln"". Do,"",u does
Im.b, mo'I..... .nnl In<! con.., 10 l.onder'ln<! lAndor', 1_0" ,nd ..I.... the rollo"ln, dlllCrlbocl properl,
locoledln \he Count, or ClMIEPLANO Common_llh
or POll...,I.,nl.:
I
,""CJIII tdd..-II
BRIEF LEGAL DESCRIPTION'
ALL TH'T CERTAIN PROPERTY SITUATED IN THE TOWNSHIP OF
SHIPPENSBUIlG IN THE COUNTY OF ClMlERl.ANO AND CQMolDNWEAL TH OF
PENNSYLVANIA. BEING ~RE FUlLY DESCRIBED IN A DEED DATED
01'21'92 AND RECORDED 0I,zg'92.~O THE LAND RECORDS OF
THI CDV"TV AND STATE SET FORTH AlOVE. IN DEeD VDLlMl
M-38 AND 'AGE 82;:""--..... ..... .......-.--.,-..'.....' ..--...'........,
\.,. TAX ~p DR PARCEL 10 NO.38-35-2388-0504 ADDRESS: ,,, PIN
OAIC LANE. .
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..hlch hlllltllddrlSl of 111 PIN oAIC LANE.
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SlU P'ENS1IURG
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1'enlll1lvlnii 11257
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(heroin ""rope,t, Address"):
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BIIIi l:~04 1.\1,[ fjO:J
EXHIBIT "E"
C~, JC~11 ,..;': ~(i-((pr
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P.J/6
.2.
TOOIITIWIt wilh .11 th. Impruvm.nu IIUW u, 1Io,..ller .t."IN UtI Ih. proper.y, ,nd .11 .."men,., rllhll,
.ppUtl.nen.... .nd rt1IlI, .11 vllVhich .h.1I be d.mod lO be .nd ttm.ln . port ollh. propetly eoY.ted b, .hi. Motlf.,t;
.nd .11 ollh. tVftlolUl, lOt""" wllh Hid properl, (or Ill, I_hold 11111. ir lhi, Morll'I' I. on . IN.bold ."
h.lllnall.,"lorred 10.. lho r,ope,lf"
Ilotto...r coVen.nl.lh.lllotlower III.wlull, "'1Id ollh. 11111. h.llby conYl)'ed .nd h..lh. rllhllO morll'I'.lttnl
end conyo, Ih.I'roporlY, .nd Ih.llh, properly I. un.nCllmbetod, netPI ror InCllmbnncll 01 recotd. Botlower coy.n,oll
III., Botrow., w.".nll .nd will d.r.nd pn...lIy .he 1111. 10 III. P,opolly '1.lnol .11 cl./m, .nd dm.nclr, aubjtcllO
tnCllmbnnc.l 01 rlCO,d,
UNII'ORM COVENANTS. Du,ruwer .nd Landlt COYIII.nl.nd gr. II lollowr.
I. F"m.nt or r,/n.'p.1 end I.I.ra' .1 V.rI.b/. a.t... Thla mo,tl'" JICU,U .11 poymenll or prindpe'lI1CI
Inlll'tll due un . y"l.bl. nl. lOIn. Th. conlnClIII. 01 Inl....lltld plymlAl .mounu m.y be IVbjocrlO chinp _
PR!ylded I. the NOli. Do,ro".n ."'11 prompll, pey wh.n dllt .11 .mounu "'lulnd b, 11I0 NOI.,
2. PUAdt ror T.... .nd IAtunn... Sub/tel 10 .ppllcabl. low or ...IYer b, Lend.r Borrowlt .h.1I C,y lO Lender on
III. d., monlh'r. pl,m.nll or princlp" .nd In._ .... pey.bI. under III. NOli, un.1t Ih. NOlO Ia "" d In rull. . 11Im
(htrtln 'Pund. ) equ.1 10 onrlwtlrlh or Ih, ,..rl, ilia .nd ~.nll (fndudln, condominium .nd pl.nned uall
dntlopment ~.nll.1f .n,) whl.h m., .u.ln p,iorll, O.er chi. Morll'I' and "ound ttnll on cho Properl,.l'.n,.
pfue OIIO"bwclrlh of y."I, promlum /"'"l1menu ror h.nn/llllUnn... plus onnwelllh or ya,', premium Inlllllmenll
lor mOrll'p In.unn.... If .n,. .11 u r...vn.bl, adm'led Inili.lI, .nd Irom 11m. to tlm. b, Lend" on Ih. bul. 01
_meall.nd bill. .nd ttUOlI.bl. llrim... llI.,oor. IlO<ro..., .hllI nol be oblil.led 10 m.k. .uch p'ymonll 01 Fund.
to L,""", lO Ih. Cllenl Ih.1 Do,row., m.k.. IIIc1l p.ym.nl' 10 lht holcle, 01 . prior mortPI' or dted 01 lrurt I' IucIl
hold..1a .n In'lllul/on.ll.nd...
II Barrolm "")'I Pundt 10 Lend." Ih. Pundl .hllf be h.ld in .n In.tlluclon Ih. d'pllIllI ot 'oeounll 01 which .re
lnlUted 0' 11l."nl.od by , (ledenl 0' .Ctl. 'I.ncy (lncludlnl L.nder il Lend., II such .n lnolltullon). Lendor mill IPpf,
th. Pundt 10 "', nid I..... .....menll. intuRneo plemlumJ .nd IflN1ld ren... L.nd., m.y nOI .h"p lor JO holdlne
tnd .ppI,'nl'h. Pund.. In.lnin, nid .ccounl 0' YetIl,ln, .nd compilinl Hid ......m.nts .nd bill" unleu Lender po,.
Domi"., Inl.rul on Ih. Pundt .nd .ppllcablo I... permlll L.nd.r to m.ke ouch . elI"I', Dorro"., .nd Lendot m.,
Ilfteln "rillnlII Ih. lim. 01 OIccullon 01 chi. Murl.... ch.llnlerfll on IhI Pund. Ih.1I be pold 10 Borrowe" .nd unl.
ruclI'lfOCmonll. rilld. 0' .ppllcablo I.w requllfl .uch Inl.,allo be paid. Lead., .h.1I nol be required 10 pll Bar""",,,
.n, Inlonsl ot eomln., on IhePundt. L.nder sh.1I alyO to Oorro_, wilhoul chltlO. .n .nnu.1 ._untln. 01 Iho Pundt
.ho"ln, credllJ .nd deblu 10 Iho Pundt .nd Ihe purpoto ror which fleh d.billo tho Pundt w.. m.d.. Tho Pundt Ite
pledled .. .ddillon.1 .ccur;ly 10' Iho aum'lCCUred b, thla Mo"I'J". '
/llh. .mounl Ollho Fund. h.ld b, L.ndot. 10"Ih., wich ch.(uture monlhl,lnstallm.nll 01 Funds p.,.blo prior lO
III. duo d.l. a/I..... .....m.nts. In.urance p,.miumJ .nd lround Illnll, m.1I aceed III. 'mounl requlnd 10 po, ..Id
laxes. UICSImlnlJ, insu"nc. Plllmium. .nd Iround rents .. ch.y r.1I du.. IUCh UCI:JJ .h.1I be, II BO,row,,'. opllOft,
.I.hot promptly Illplid 10 Do,ro_ or eredlced lO Donawer on monthl, InrlIllmCftIl 01 Punclc. 1111I0 .mounl OIlh.
fundI beld by Lendot .h.1I nol be lulfici..llo ""y Ia... ........,., Inrunn.. premium. .nd lround Illnllll Ih., 1111
du.. Dorrow., .hall PlY 10 Lend., .ny 'mOUnl nee...." 10 m.ke up cho delicillllCJ' In ono 0' mall "",meole II Lendot
m., require.
Upon pe,mmlln lull ol.lIlUmllCCllred b, lIIit MO,lpp. Lend., .h.1I prampll, Illlund 10 Dorrowlt .ny /undl beld
by Lender. /I und., pltJ~"ph 17 b.,eor Iho rroperl' it told or tho properl' I. olh,",I.. .~ulred by Lendtt. Lonclet
011.11 .ppl,. no 1.lot th.n Immedi'lely prior 10 Ih. All ollho rroporl, 0' ill .c:quloition br Lender. .n, Pundt h.ld br
Lender 11th. clmo 01 .ppllClllon .. I credll',""'llbt tumo JeC\lred b, chi. MO,I......
J. AppUetllon 01 r.ymCllII. !!xClpl rot lo.ns m.cIe pUmllnllO .he r./I""IYon'. Conlumer Dlleounl Compon1
Aer. .11 JlIlm.nlJ recelY.d by Lond., und.r Ibo NOlO .nd p'''I''pb. I .nd 1 hereol .hall be 'pplled b, Lender lito( In
"",menlo "",ounl, p',lbll lO Lead., bJ Darrow., und.r ""reltl1'h 2 hereol. Ihen 10 inlarcol, .nd th.n to Iho pline/po/.
4. I'rlor MO,II'ps .nd Deed 01 TrusI: Chett..; U.n.. Dorrowor .b.1I perlorm .11 01 Bo,ro",,'. obllptlons
vnder .n, morrple, dftd 01 crUll or olher ncuril, 'Ireem.nl will, I lI.n lIhleh h.., p,iorlc, oY.r Ihl. Mo,tl'le.
Indudlnl Ilorro..er', eoVen.nll 10 m.ke p.ymence wh.n duo. Dorrow., .h.1I pi' or Clun 10 be plid .11 II....
'_mlo .n~ olho, ehltl'" linea .nd imposiclon. .Itrlbutlbl. 10 cho Prop.,I, whf.h m.y .U.ln . priotlty Oy., chla
MOrll.'.JO. and I_hold por",.nll or lround renll,l/ .n,.
S. flour<! IlIIuran.e. Dorrower .h.1I keep the Improy.menll now ..I'lInS 0' hereerlu .reeled on Iho P,oporq
Insured .pimllOll b, Ii,.. haz.,dt In.luded wllhln Ir.lterm "..I.nded connie. Ind lUelI olher henrdJ II Lendot m.,
require.
Th. lMUnn.. .."I.r proyldlnl Ih. (nouren.. shall be eII...n br' ch. Do,row., IUbjecl 10 'pproYoI by l.nder;
proYlded. lhal.uch IppIOY.' .h.1I nol be un.....on.bl' wilhheld. All intutlneo polici.. .nd renew.rs th.reoloh.1I be In I
lo,m .cctpl.bl. 10 l.nd.. .nd .h.1I Includo I .llndlld mOtlp.. cl._ In I.Yo, o/,nd In . lo,m .CCtpl.blo 10 Lenclot.
I.oncIct .h.1I h.v. Ih. rllhl 10 hold Ihl pollcl.. .nd ren.w.ls Ihereol. subjocc 10 Iho lerm. 01 .n, mOrll'le. dm 01 truIl
or olh., aeculily .,reomenl whh . Ii.n whi.h h.. p,lorlty 0'.' lIIi. MOrll'P.
In chI ""nl 011-. Dorro.... .h.Ulivo prompt nolleo 10 Ih. Inlullneo arrl., .nd l.ndt,. Lander m.y male. proal
or 101111 nOl mod. prompU, b, Dorro.....
/( Ih. Properl, I. ob.ndonod b, Dorroller. or II Darro"., 1.i1. 10 IClpond to lendor ..ithln JO d.y. Irnm Ih. dll.
nlllf.. I. m.i1ed by Londer 10 Dorrow., Ih.llh. inlUllnco carrier Orr.lllo nnlo. cl.lm lor Intunnet tim.li,., Lend., Ia
,ulhutlled 10 Q,II..:t .nd .ppl, II.. fn.ullnco pM,..d. II Lend.r'. optlun till", lO ,..Ionllon or rep.l, or Iho Properly Of
to lhe IV.... tel.ovred by Ihi. Motll'le.
........ ......... .. . ", " biloK120:1 rACE &0.2 '''.''"_..
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P,ol/6
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6. I'rcs.rYlliun .nd M.lnl.n.nce 01 I'roperll': I.....ltold.: Condomlniurm: I'I.nned Un/l Developmenb.
Dorrow., .h.1l keep the I'r"l"tl,ln Iood repolr .nd .h.1l not ""mmil w.rte or permil impli,mml or dllltlont/Oft 01
Ih. Properly .nd .h.1I ""mpt,.Uh lhe proyl.i"", ol.ny 1_lIlhl. Morle.C' i. on . leuthold. IIlhl. Mortl'e.la on .
un II In . eondominlum or . pI.nned unil d.Yelopm.nl, Dorrow., ,h.1I perlonn 011 01 Dollo-.r'. obll,.llon. und. tho
deelor.lIon or ""..nant. ctelllIne Dt 1O",nln, tho cundomlnlum or pl.nn.d unll dr'dopm...t, Ih. brio.. .nd
!qul.d"", of 1II. eondomlnlum or pl.nncd unll d.Yllopmen!, .nd eol1lllluenl doeumonlo.
7. Proloellon or Lendot', S_rll,. IlIlomt..r I.ila 10 perlorm Ih. lXIY1n.nll llId .C'eem.,Il, conl.lned In IIlf,
MOil..... or If .ny oedon or proceodlne I. eommonced which m.lerloll, dlocto Lender'. Inl_1 fo Ih. I'~" Ih...
. Lend.,. II L.nd.r'l oplion, upon noli.. 10 Dnrro..r, m., mab IUd! .ppt.ro"".. d1.buno IIICh .um., Inciludln,
......n.b/. allom.,.' 1_. .ad lake IUCh .cllon ..I, n...." 10 pnllect Lendlt'. in_I.
Any .mounll dl.burocd by Lendor pullU.nl 10 Ihi, per'enph 7. willi Inl..... IhotlOn. II thl eonlnct tiN. 11:011
becom. ocIdlllon.1 Ind.btedn. of Iloirowet RCIlred by Ihl. Morll.e.. Un/.. Dormwer .nd Lender 'em to oIIlo,
Ilrm' of peymenL rueh Imounll 11:.11 be po,.ble upon notice f,om Londor 10 Bono_ requ"lln, p.ymenllhtnoC.
NOlhlne conltlncd In Ihl. potl,"ph 7 "'.11 roquire Lend~ 10 Incur Iny IlIponfl or Itke Iny .ct/on h.rounder.
.. I..poctlon. Lender m" Ilk, or allle 10 be m.dr reuon.ble mlrl. UP."!' .nd In.peclloOl of Ill, 1'IO(lOII'
proylded Ih.1 Londor .h.1l P'" Donower noli.. prior 10 lilY fVCh lnopecrlon rpectfylne ramnl ble auae Ih...for ,i/.~
10 Lender', InlorMlln Ih. Properly.
9. Condemn.Uon. Th. prilceedo 01 .n, .word or d.lm lor d.m..... dlrecl or co~uenll.l. In connection .Ith .n,
condomn.don or olher IItlnc 01 LIte Prnperly, or porI thereof. or lor cony.yan.. in lieu 01 eondemn.lion"III hmby
lIIi..ed and ",.11 be p!id 10 Lender, IUbi<ct 10 1II. lermo of .ny morl..... deed of ltuIIl or olh.. ....,o,ily .,nomlftl
\'flth a lien which h.. prior/I, o.er thl, Morl".L
10, Dorro..er Nol Re/_ed: I'orbannce Dy l.ender Nolo Wol.tt. !!rlen.lon 01 Ihe limo lor J'lymllll or
modrnallon of .mordtallon of Ille SIImo ItCUM b, Ihio MorIC'I' If.nled by L.nder 10 .n, IUCCaIOr In lnl-e 01
"...rower 01:111 not optntelo rei..... In .ny mlnner. Ihell.blllly 01 Ihe or/ainll Dorm..er ,nd Uorro"er"IUCt_v,.ln
InlerllL Lender .h.1I nol be requln" 10 ..""men.. proceedln," ',liMI rueh IUCnIlIOI' or reI_ 10 alend 11m. lor
po,menl or oth"..1.oo madlf, '"IOrllullon 01 the IUm. .....red by Illlo Mortple by rcunn 01 .n, dem.nd m.dl by the
orI.ln.' Borrow.r .nd Ilorrower', IIICCCIIlIOtI In Inl....L An, 10rbeltlllCD b,!:end., in aercillne on, rlChl or rem"',
h..ound.r. or olll.r..l.. .1Ion1ed b, .ppli..bl. I.... ",.11 nol be. "oIyer 01 or preclude the ner.... of .n, fIlCh rlchlor
.....cdy. '
II. Su.....o,. Ind AnJ,n. 1I0und: loinl Ind S..erol L/.blllly: Co..lcner,. Tho co,enlllll .nd 'ereemenll
horrin conltinod oh.1I bind, Ind Ihe rI,h" helOUnder "'.lIlnu.. In. Ihe respoctl.e -I. .nd IlliCJlf of Leacler .nd
n",ro"or. IIIbi<ct to Ihe pro.isiona of I'lI1lnph 16 hereof. All coyenlnll .nd 'Clftmmla 01 IlorlO...... m.1I be JoInl .nd
...erll. An, Bonower who co'ril!l' lhll Morl..... bul does nollXoculelh. Nole, (I) 1. ccnl,ninj Ihl. Morlc.e. onl~ 10
morte'", 'tlnl .nd eon..y Ih.1 /Jorro"er'. Inlereslln Ihe Pro~rlY 10 Lender und.r lit. lenn, of Ihl. MorlP... Cb) if
not penonllly lilble on tho Not. or under 1II1, Morle.,e. Indlc) Icrees Ihlll.ender .nd .n, other Borrower hereunder
ma, '1f1II1o ulenc!. modi I,. for....r. or mite In,. other KCOmmodltiona wilh IllPrd 10 Ihe lerm. or Llti. Morl.... or
tho Noce withouI lhol Uorro....'. consenl .nd without relel.lnc Ih.1 Dorro".. or modll,/nc Ihla Morlp,e .. 10 lhol
norrowor', inl....t In Iho Proper I" ,
12. Nodce. b..pl for .n, nollce required under 'ppllable Ilw 10 be ai"n In .nolh.r m.nnor. (.) .ny notlco 10
Ilotlow.r pro.ided lor In this Morl.... Ih.U be ci.en br dell...ln, il or b, millin, lOCh nolice '" cerlined m.1I
addreaed In Dorm.... '1lhe Property Addr... or .1 .lIch olher .cldr. II Dorro"tr may dul,n.te b, nollco to Lender
If provided bereln. .nd (bl .n, noli.. to Lender ,hili be ri.en by ..rliIled m.i1eo Lend..'. .dd.... .ltted herein or In
.ud1 othor ,ddresr .. Lender may dost,,"te by nollce 10 fJorm..... If pro.idod he..l.. An, nod.. pro.lded for In Illl.
Morl..,e .hall be deemod to ltave been elvon 10 norm.... or l.ender when civen In Ihe m'"ner d"'i..ded h..ein.
13. GnYernln~ I..,,; Se'tntbilily. The alale .nd 10ClI1 I.... .ppllabll 10 thl, Morte.ie .h.1I be Ihe I.... of Ihe
jurl.dlcdon In .hlCh Ih. Property Is Incaled, The lo,o.oln, ....ten.. .h.1I nOlllmil tho 'J?pllcabllll, 01 {,ederll I.. 10
Ihl. Morl...., In Iho event lhol .nr,' pro.Ision or c1.use 01 Llti, Mort..ee or the Note conlllct<< ..hh .ppll....bl.I.\'f.1Ueh
mnllicl II:aU nol .lIect other pro. riona of Ihi. MOllpC" or Ih. NOlo which can be liven ellect wllhout Ihe conRlclln,
F"';on. and 10 Ihi, end Ihe pro.i.lons 01 this Mn.t..... Ind Ihe Nol. .re dccflred 10 Itt a.erlbl.. A, U!ed hltdn.
Ctl!III; -.IptI1Ie/' ,nd '.llorne,.' 1m- Include .11 sum. 10 Ihe e.lenl nol pmhlbited by 'PJll/coble I". or IImlled
herein. ' .
14. Dorm..,,', Copy. TlolTOWor m.1I be furnished. conlormed cupy 01 LIte NOle .nd 01 Ihi. MortClC' 'llIIe limo
or "ocullon or .Iler record.tion herw/.
U. Reh.bllll.Uon Lo.n A,reemenl. Oorro..er 11:,11 lulRlI .11 or Darm"er', obllealioM under .ny home
reh.billtalion, Impm'ement, repal,. or olher lOIn .....menl ..hlch Ilorrow., mIlts Inln ..ith '.ender. "ender, .1
I.ender'. opllonl m., rcqui.. Unrrn..or to IlteI.te ond deliver lu Lcndar, In I Inrm accepl.blelu I.ender. .n .'cnmenl
01 .n, ,I,h~, ...Im. or del_ which 1lnnower mlY h..e ...In'l parl/es \'fho IUpply Mor. m.terill. or pr.m. In
connection "ilh imprn.emenlJ m.de In Ihe ProperlY.
16, Tn..l.r or Ihe I'l1Ipcrly. IIlklf",..., ..Il, 'If lronllers,1I or .ny pa.1 ul Ihe I'rop.,ty nr In Interllllhereln,
...IOOln, (.) Ihe ....Iion 01 I lien or encumbrlnai subordln.le 10 lhi. Morl,.,e, (b) . Innsl.r by devln. d.....,1. or by
operodon of II" llpon Ih. d..th nl I joinl lenlnl. leI Ihe ,"nt 01 .ny I....hold Inl.rlOl nf three ,lIn or 1_ 1lO1
eonl.inlo. .n opliun 10 ~urch.... (d) lIIe aeolian 01 . purch... mone111tC11rily Interest lar houHhold .JlllU.n..... Ce) I
transfer to I relative resultine lrom Ihe d..lh 01 . Ilnrro..er. (f) . lron,ler "h.re Ihe 'pous. o. children 01 Ihe Don-mror
becnme .n owner 01 Ihe plOf'O'l" IC) I IlSn./er RJn.lllnc l((Im . decree of dlsmhllion 01 morrl..c, Ie.., ..parol","
OJ""" .........,.. .'
"'--1'1111 ,. CoOl!
aUIlr. .I_ ' r~~i ') .)
'AUlta _
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P.5,'6
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II'nm'n~ or lrom In jnci~.nlll properlY Mul.mml "",,,m'n~ by which tho lpo\110 01 lho 80"0"" becom.. In
o"nlt 01 Ihl pro""ly. (h) I Irlnll" Inlo In lnllt vlvOl ltVsl in "hich Iho Dorro"... io In~ rom.iM a beneflc/ary ond
"hleh do. nol rel.lo to I IlInsler 01 ri,hu 01 IlCI:\/p'OCY In Iho properly, or (I) .ny olher It.naler or dllpollllon
dllCribed In r"ul.llon. pr..rlbed by lho Pod."l Homo lain D.nlc BOIrd. Do"o_ 11:.11 ClIIII 10 be IUbmlllod
Inlorm.t/on raqul,ed by Lmder 10 onlu'lo Iho IrlllIl_ OJ II a no" lOin "ore beln, m.d. 10 tho tr.nal.._ Dono"ot
"ill canllnuolo be obll..led under Iho "'010 .nd Ihia Morl...o unf... Lender rol..... Borrower In "riUnc.
. U Lender dOlI nol 'Ireo 10 IUCI\ ulo or lrlnaler, Londor m.y dcclero .11 ollho IUl1\IlICUred by IhI. MOIII'" 10 be
Immedlllely duo .nd ply.blo. If Lmder ucrcino IUCI\ opllon 10 .ccelerate, Londor .hlll m.i1 Ilorrower 001;" 01
.ccolmtlun In accord.nco wilh porllrlph 12 hllool, Sucll null.. 11:.11 ptO\'ldo . ""Iod 01 nOII_ Ih.n JO d.y. lrom Ih.
d.lo Iho nallcel. mlllod 0' d.llvorad wllhln "hlch Dorrower m.y poYlho IUm. doc/ared duo. If Dorrowlt 1.110 III poy
IUCh ""'" prior 10 Iho IIpllOllon 01 weh period. Lend" m.y. "llhoullullhlt noUce or dom.nd on Borra_, Invok.
Iny romedl.. porm/lled by pmlllph 11 hlllol. '
NON-UN.rORM COVENANTS, Borrow., .nd Lond.. lurther coven.nl.nd '1"" .. lollowr.
'7. A-.I"olloll: Romldl... P.-copl u providod In p.nltlph 16 honol. UPUII Durrow,,'. breocll 01 ony
en....n. 01' o.,..m.nl 01 Durro"" In .hl. Mor'.II" Inc/udln, Iho conn.nU '0 poy "h.. duo onr .Uml
.ocured br Ihl, MUrl",O. Londer prIor 10 ._I.ntlon ,h.1I .Iv. nodeo 10 Dorrow" OJ proYldod In
pon.toph 12 herool ,peellrlnr. II) Iho bre.ch: (2) Iho acllon r.qulred '0 curo ,uch br...h; (3) . .I.... aot'_
th.n JO ...,. I",,,, ilIa 01.1. th. nutlco I, m.Ued 10 DutrO".... br "hlch ,uch b....... mUft III ~'\....d: .nd (4)
Ibot roUur. to cu.. ,u.h brlO.h Un or boror. Iho d,to 'peelllod In tho nollee m.y ruul' In _.I.ration DlIll.
"'nil ftCUrod b, thl, lIforlli,O. roreelOlure by judlcl.1 proc:ecclin.. .nd ..Ie or Ih. Property. The na'lce ,h,1I
rUrlher/nrurm DurtO"" ul tho rllhI tu rei....lIla oil" ,cecl.rollun and the rl,lll tu 11I,,1 In tho la_lUlU"
proceedin. lbo nonexi".nc. 01 0 dl/oull or .ny olher de/ClUe or DOrtO..er to .cccl,nllon IIId 10ree/OIure. It
tile braeh b nol cured on or belore Ihe dl'e ,paclllod In tho Ollti.... Lender, ot Lend.... optioa, m.r deero..
.11 01 Ihe ,um, ,ocured by till, Mort,",e to bo Immedlolely due Ind p'Ylble w"lIout rurther domond ond
moy lorocl",o 'hi. MoriCI.' by judicii' pruoccdlnl. Lender ,holl be entllled 10 colloc:t In ,uch procetldln,.II
erpcn.tll 01 lonclosure. lncludla.. but nal IImiled 10. "uonoble Iltorae,,' lees Ind _to or documentary
eYldlnce. o"'lro.U ondllllo roporU, ,
18. Dorra"er', Riehl 10 Rolnsllfe. "'Olwilhollndin. Londer', IccoJ.IIr1on 01 the IUm' by Ihll Morl.... due 10
Dorrow,,'1 broach. Dorrow" IhlU have Iho ri,hl to hlye Iny proceedlnp be,uo by Lmdor 10 enlor.. ll1ia MorIP..
diac:ondoued II Iny rim. prior 10 onlry 01 I jud,m.nl enrOrcin.lhl. MOrllllo l/: (I) Borrower ry, Linder llIlUm.
which would be th.n duo undcr Ihi, Morlcoeo .nd the NOlO hid no 1....1""lion occurred: (b DorIO"'" cur. .11
bmch.. 01 .ny alii" COY.n.ne. or .........me. or DorTOW" ...nlllned In Ihis MOrlllil"l (c) I3orrower PIYIIII tellOftlble
aponlllllneurTld by Lender in enlorcinllhe .....n.ne. ,nd 'Ireemenfal or D...."ww conulned In this MorlCll" .nd In
onlorcin. Lender'. "modi.. II provided in porl."ph .7 hcreol, indudlnc. but nolllmiled 10. tellllIllble lllOm.,.' rill;
Ind (d) Dorro"" I.k.. "",h ,ctlon II Loader may rlUDl\Ibly requlro Iu laure Ihll the lien 01 thl, Morll.... I.mder',
Interlll In tho I'ruperry In~ I3orlOw,,', nbll"lion 10 poy Ih. IIlmo ,."um! by Ihl, MOlll',I,boll conllnue unlmpoired.
Upon lOCh plymon!,'nd CUrt br DorTO"er. Ihl. Morllll. .nd Iho obll'lliona ..urad heroby Ih.1I remlln In lull rorce
and erreel OJ if no oCcoIlrellon hid occurred.
I'. .....i,ameat 01 R.nt,; Appointment of Receiver. A' Iddlllon.1 _urily hereunder. Dorro..., hereby nsipll
III Lender tho ronU 0/ th. Proporl,. pro.lded Ihlt Dorrower mill. prior 10 ....llIIdon under polllrlph 17 hereol, In
lbondonmenl nlcho ProperlY, hl.e Iho ,1,hllO ...lIecl Ind "llln ,uc:h renll OJ Ihoy become due lad paYlblo.
Upon ~ocelll.tion uri~ir pmlnph 1 horeal or .bendonmml 01 Iho ProperlY, Lmder ,hili be mlilled 10 hno ,
.-i." oPo\1lnltJd '~~....urllo OIlIer upon. like poaaolon of .nd m.n.... lbe Proporly Ind Iu coll.a lhl ......11 01 Ihe
Property lricludlne IhoSe pili due. All rille. collected by Iho receiver ,h.n be Ipplled lint 10 pa,mlnl 01 the _.. 01
m.n......onl ul tho ProperlY .nd callcdon 01 renls. 1..ludlna. bUI nol Iimlled 10. ....;..,', I.... premium. on
rocelver', bond, Ind lOUonlblo 'lIornoys' lea. ,nd then 10 the IUm. IICIJred by Ihl, Mortll... Th. receiver oh.1I be
lI.blolo oer:aunl on/y lor Ihose ronlllclulllr received.
20. R.rO.o. Upon peym.nl ul llIlUm' ~red by Ihlo MortllCo, Lcnd.. II:.n rei.." thl, Morlll... wllhoul clttrp
to DortO"". Doltow" ,h.1I plr III COlli 0/ recordltlon. II .ny.
21. W.iver or l/omlllO,d. Dorro"" h.reby "Ii... III ri,hl 01 homcoload ",empllon In the Property undlt atllo or
l'edlllll.". ,
22.lnt_t Rile Arter lu~.mont. Durro.." 'I"..the/nlll'" rolo pay.blo .Iler I jud.m.nl ia entered on, tho NOli
or In .n ectlon 01 morll".lorcclosure"h.1I be lho IIlelllled 10 cho Nolo.
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REQUEST FOR NOTICE OP DEPAUL T
AND 1'0RIlCLOSUJtB UNDBa SUPEtUOR
MORTOAOIlS OR DI!I!DS 01' TRUST
J!oUOllU and lAndII' reqllell tho holder ol.a, morlpae, d~ of uun or Olber encumbr.nce with. lien which....
pllorlly OYIf thlt MorlpplO p'" Notice to lAder. It l.encl.... odd... _Iorth on pap one nllhi. MOflpP. of .n, do/.u1t
.nder IhllUJllrior lllcumlmnct .nd ol.n, ala or nth., rondoeun action.
IN W1TNESS WHERBOF. Borro- lIu _Iod lhII Monpp.
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My Commlalon api,or.
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IN THE
COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNA.
HOUSEHOLD REALTY CORPORATION
vs.
EDWARD W. HELMAN and
AUDREY ,E. HELMAN
No. 801 of 1995
PLAINTIFF'S PETITION
TO SET ASIDE SHERIFF'S
SALE AS TO TRACT NO. 1
ON THE SHERIFF'S DEED
DATED JANUARY 26, 1996
Clemson N. Page, Jr.,
Esquire
IBeul
BINGAMAN. HESS, COBLENTZ & BELL
^ Proh$.".lunlll corpomllon
e60 PENN SQUARE CENTER
601 PENN STREET
RO, BOX 61
READING, PENNSYLVANIA 19603.0061
(SIC>> 374.&377
FAX (610) 376-3105
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BINGAMAN, HESS, COBLENTZ &
By: Clemson N. Page, Jr.,
Attorney I.D. No. 25616
660 Penn Square Center
P.O. Box 61
Reading, Pa
Telephone:
BELL, P.C.
Esquire
Attorneys for Plaintiff
File 9421-195
19603
(610)374-8377
HOUSEHOLD REALTY CORP., d/b/a
HOUSEHOLD FINANCE
CONSUMER DISCOUNT COMPANY,
Plaintiff
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
vs.
EDWARD W. HELMAN and
AUDREY E. HELMAN,
husband and wife,
Defendants
No. 95-3341
ACTION IN MORTGAGE FORECLOSURE
CERTIFICATE OF SERVICE
I, Clemson N. Page, Jr., Esquire, of Bingaman, HeEs, Coblentz &
Bell, P.C., counsel for Household Realty corporation, d/b/a Household
Finance Consumer Discount Company, Plaintiff in the above referenced
foreclosure action, do hereby certify that I served a true and correct
copy of Plaintiff's petition to Set Aside Sheriff's Sale as to Tract
No. 1 on the Sheriff's Deed Dated January 26, 1996 to Plaintiff and
for Issuance of a Corrective Deed, together with a proposed Order and
the Rule issued by this Honorable Court, by first-class mail, postage
pre-paid, upon the following parties:
Defendants:
Edward W. Helman
Audrey B. Helman
10570 Third Street North
Apt. B
St. Petersburg, FL 33733
Owners of Tract No.1:
William S, Rogers
Dorothy L, Rogers
109 Pin Oak Lane
Shippensburg, PA 17257
Office of the Sheriff
Attn, Audrey Adams
CUmberland County Courthouse
Three South Hanover Street
Carlisle, PA 17013
Cumberland County Tax
Claim Bureau
Three South Hanover Street
Carlisle. PA 17013
Randy Chamberlin
7703 Upper Horse Valley Road
Upper Stroudsburg, PA 17265
BINGAMAN,
By:
BELL, P.C.
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BINGAMAN, HBSS, COBLBNTZ ,
By: Clemson N. Paga, Jr.,
Attorney 1.0. No. 25616
660 Penn Square Centet'
P.O. Box 61
Reading, Pa
Telephone:
BILL, P.C.
Euqulre
Attorneys for Plaintiff
File 9421-195
19603
(610) 374-8377
HOUSEHOLD REALTY CORP" d/b/a
HOUSEHOLD FINANCE
CONSUMER DISCOUNT COMPANY,
Plaintiff
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
vs.
EDWARD W. HELMAN and
AUDREY E. HELMAN,
husband and wife,
Defendants
No. 95-3341
ACTION IN MORTGAGE FORECLOSURE
AMINDID CIRTIFICATE OF SERVICE
I, Clemson N. Page, Jr" Esquire, of Bingaman, Hess, Coblentz &
Bell, P,C., counsel for 1I0uoehold Realty corporation, d/b/a Household
Finance Consumer Discount Company, Plaintiff in the above referenced
foreclosure action, do hereby certify that on April 4, 1996, I served
a true and correct copy of Plaintiff's petition to Set Aside Sheriff's
Sale as to Tract No.1 on the Sheriff's Deed Dated January 26, 1996 to
Plaintiff and for Issuance of a Corrective Deed, together with a
proposed Order and the Rule issued by this Honorable Court, by first-
class mail, postage pre'paid, upon the following parties:
Defendants!
Bdward W, Itelman
Audrey Il, Itelman
10570 Third Street North
Apt. D
St. p"terllbur!J. PI. 1]"1:\1
Owners of Tract No. 11
William B. Rogero
Dorothy L. Rogoro
109 Pin Oak Lane
Shlpponoburg, PA 17257
OfClco oC tho Shorlff
Attnl Audrey Adams
Cumberland County Courthouse
Three South Ha.nover Street
Carllale, PA 17013
Cumberland County Tax
Claim Bureau
Three South Hanover Street
Carllale, PA 17013
Randy Cbamberlln
7703 Uppor Itorae Valley Road
Upper Stroudsburg, PA 17265
BINGAMAN,
COBLENTZ & BELL, P.C.
By:
r., Esquire
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BINGAMAN, HESS, COBLENTZ , BELL, P.C.
By: Clemson N. Page, Jr., Esquire
Attorney I.D. No. 25616
660 Penn Square Center
P.O. Box 61
Reading, pa 19603
Telephone: (610)374-8377
Attorneys for Plaintiff
File 9421-195
HOUSEHOLD REALTY CORP., d/b/a
HOUSEHOLD FINANCE
CONSUMER DISCOUNT COMPANY,
Plaintiff
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
ve.
EDWARD W. HELMAN and
AUDREY E. HELMAN,
husbsnd and wife,
Defendants
No. 95-3341
ACTION IN MORTGAGE FORECLOSURE
.
.
AND NOW,
this I~ ~aY of
, 1996, upon
consideration of Plaintiff's M
Rule Absolute and
Plaintiffls Petition to Set Aside Sheriff's Sale as to Tract No.
1 on Sheriff's Deed Dated January 26, 1996 and for Issuance of a
Corrective Deed, it is hereby ORDERED that:
1. The Rule is made absolute;
2. The Plaintiff1s Petition is GRANTED;
3. The Sheriff of Cumberland County is hereby directed to
void the Sheriff1s Sale which occurred on December 6, 1995 of the
parcel of real estate identified as Tract No. 1 in the Sheriff's
Deed to Plaintiff, dated January 2, 1992 and recorded in Deed
4. The Sheriff of Cumberland County is hereby directed to
issue and record a corrective deed to Plaintiff conveying only
Book Volume M-35, page 803, et sea., Cumberland County Records;
and
the parcel of real estate identified as Tract No. 2 in the
Sheriff's Deed to Plaintiff, dated January 2, 1992 and recorded
in Deed Book Volume M-35, page 803, ~ ~., Cumberland County
Records.
Clemson N. Page, Jr., Esquire
BINGAMAN, HESS, COBLENTZ & BELL
660 Penn Square Center
601 Penn street
P.O. Box 61
Reading, PA 19603
Attorneys for Plaintiff
Defendants:
Edward W. Helman
Audrey E. Helman
10570 Third Street North
Apt. B
st. Petersburg, FL 33733
Owners of Tract No.1:
William E. Rogers
Dorothy L. Rogers
109 Pin oak Lane
Shippensburg, PA 17257
~('M...:.c..t. Slls/H,.
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BY THE COURT:
Randy Chamb lin
7703 Upper Horse Valley Road
Upper Stroudsburg, PA 17265
Office of the Sheriff
Attn: Audrey Adams
Cumberland County Courthouse
Three South Hanover Street
Carlisle, PA 17013
Cumberland County Tax
Claim Bureau
Three South Hanover Street
Carlisle, PA 17013
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BINGAMAN, HESS, COBLENTZ &
By: Clemson N. Page, Jr.,
Attorney I.D. No. 25616
660 Penn square Center
P.O. Box 61
Reading, pa
Telephone:
BELL, P.C.
Esquire
Attorneys for Plaintiff
File 9421-195
19603
(610)374-8377
HOUSEHOLD REALTY CORP., d/b/a:
HOUSEHOLD FINANCE
CONSUMER DISCOUNT COMPANY,
Plaintiff
.
.
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
.
.
.
.
vs.
.
.
EDWARD W. HELMAN and
AUDREY E. HELMAN,
husband and wife,
Defendants
.
.
.
.
No. 95-3341
ACTION IN MORTGAGE FORECLOSURE
.
.
.
.
.
.
MOTION TO MAKE RULE ABSOLUTE
The Motion of Plaintiff, Household Realty Corporation, d/b/a
Household Finance Consumer Discount Company, by its attorneys,
Bingaman, Hess, Coblentz & Bell, P.C., respectfully represents:
1. On March 28, 1996, the Plaintiff filed a Petition to Set
Aside Sheriff's Sale as to Tract No. 1 on Sheriff's Deed dated
January 26, 1996 to Plaintiff and for Issuance of a Corrective
Deed (the "Petition").
2. On April 1, 1996, a Rule was granted by the Court upon
the Defendants and interested parties to show cause why the
Petition should not be granted, said Rule Returnable twenty (20)
days after the date of service.
3. The Motion and Rule were served upon the following
parties pursuant to Pa.R.C.P. 440 on April 4, 1996: the
Defendants, Edward W. Helman and Audrey E. Helman; the Sheriff of
Cumberland county; William E. Rogers and Dorothy L. Rogers, the
current owners of Tract No. 1 in the above referenced deed; the
Cumberland County Tax Claim Bureau; and upon Randy Chamberlin, a
lienholder.
4. Plaintiff filed a Certificate of Service with the
prothonotary on or about April 9, 1996.
5. As of the date hereof, neither the Defendants nor any of
the interested parties have filed or served any answer or other
pleading in response to said Petition.
WHEREFORE, the Plaintiff requests this Court to enter an
Order making the Rule absolute and granting the Plaintiff's
Petition to Set Aside Sheriff's Sale as to Tract No. 1 on
Sheriff's Deed dated January 26, 1996 to Plaintiff and for
Issuance of a Corrective Deed.
Dated: May 7, 1996
By:
, Jr., Esqu re
laintiff
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PENNA.
No. 95-3341
ACTION IN MORTGAGE FORECLOSURE
HOUSEHOLD REALTY CORP., d/b/a
HOUSEHOLD FINANCE CONSUMER
DISCOUNT COMPANY,
Plaintiff
va.
EDWARD W. HELMAN and AUDREY E.
HELMAN, De fendanta
MOTION OF PLAINTIFF TO MAKE
RULE OF APRIL I, 1996 ABSOLUTE
Clemaon N. Page, Jr., Eaquire
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BINGAMAN, l'IESS, COBLENTZ & BElL
^ I"rolrs.ook...,1 CnrpnmlkMI
^llurnc.")-Si1l taw
411 COOPER STREET
CAMDEN, NEW JERSEY 08102
(609) 966-0117
FAX (609) 964-0796
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