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Home My WebLink About95-03372 NATIONAL PENN BANK, f/k/a NATIONAL BANK OF BOYERTOWN, plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA vs. CIVIL ACTION - AT LAW MORTGAGE FORECLOSURE, NO. 9.5 - 33 7.2 t44~ JAMES W. SAUVE, JR. and JUDITH A. SAUVE, his wife, Defendant NOTICB You have been sued in Court. If you wish to defend against the claims set forth in the fo~lowing 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 defense 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 OUR WHERE YOU CAN GET LEGAL HELP. COURT ADMINISTRATOR FOURTH FLOOR CUMBERLAND COUNTY COURTHOUSE Carlisle, Pennsylvania 17013 Telephone: (717) 240-6200 NATIONAL PENN BANK, f/k/a NATIONAL BANK OF BOYERTOWN, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA vs. CIVIL ACTION - AT LAW JAMES W. SAUVE, JR. and JUDITH A. SAUVE, his wife, Defendant MORTGAGE FORECLOSURE, NO. ?s- .:n7.2 ~ 1J~- COMPLAINT 1. plaintiff NATIONAL PENN BANK, f/k/a NATIONAL BANK OF BOYERTOWN ("NPB"), is a pennsylvania banking corporation with its principal place of business at Philadelphia and Reading Avenues, Boyertown, Berks County, Pennsylvania 19512. 2. Defendants, JAMES W. SAUVE, JR. and JUDITH A. SAUVE, his wife, are adult individuals residing at 282 St. John's Drive, Camp Hill, Cumberland County, Pennsylvania 17011. 3. On or about May 28, 1987. Defendants made, executed and delivered to the NATIONAL BANK OF BOYERTOWN. a mortgage recorded on June 5. 1987. in the office of the Recorder of Deeds for Cumberland County in Mortgage Book Volume 867, Page 811, securing the sum of Fifty Thousand Dollars ($50,000.00). 4. The premises subject to said mortgage is situate in Camp Hill. County of Cumberland, Commonwealth of Pennsylvania and is more fully described and set forth in the true and correct copy of the original mortgage attached hereto and made a part hereof by this reference and marked as Exhibit "AU. 5. pursuant to the terms and conditions of the mortgage Defendants are in default by reason of their failure to timely pay the monthly installments of principal and interest from January 15, 1995, to the present. 6. Under the terms and conditions of the aforedescribed mortgage, Defendant's failure to make monthly payments of principal and interest as hereinabove set forth, shall result in acceleration of payment of all principal of said mortgage and all interest and other amounts due thereunder. 7. As of June 9, 1995, the following amounts were due on said mortgage: Accelerated Balance..............$41,310.36 Satisfaction Fee.................... ..12.00 Late Fees............................. 72.89 Attorney Collection Fees...........8.279.05 TOTAL........................... .$49,674.30 Per Diem Interest....................$12.98 8. NPB has fully complied with Section 403 of Act 6 of 1974 Sessions of the General Assembly of the Commonwealth of Pennsylvania (41 P.S. Section 403) and with Section 1680.403(c) of the Homeowner's Emergency Assistance Act of 1983 (35 P.S. Section 1680.403(c)) by mailing to the Defendants, JAMES W. SAUVE, JR. and JUDITH A. SAUVE, Notice of Intention to Commence Foreclosure proceedings against them and Notice that they might be eligible for financial assistance toward their mortgage payments. A true and correct copy of these notices are attached hereto and made a part hereof by this reference and collectively marked as Exhibit liB". 9. Despite the repeated demands of NPB, Defendants have failed and refused and continue to fail and refuse to make the aforedescribed requisite payments. WHEREFORE, NATIONAL PENN BANK, f/k/a NATIONAL BANK OF BOYERTOWN requests judgment be entered against the Defendants, JAMES W. SAUVE, JR. and JUDITH A. SAUVE, in the amount of Forty- Nine THousand Six Hundred Seventy-Four and 30/100 ($49,674.30) plus accumulating interest at the contractual per diem rate of Twelve and 98/100 Dollars ($12.98) plus costs, and for the foreclosure and sale of the aforesaid premises. submitted, , ULLMAN & FORRY, P. C. , 19610 ! NATIONAL BANK 0.. BO....:IUOWN own, 'IM.yl"anl. 'tin MOR'I'GAm: (RcquirN rulUle .\l!v.n(n) In Ihls Mon...e. dated Hay 28 .10 87 , )'Ou, Ihe Motl,.,cJfh), arc .JanlPs W. Sauvp. .Jr. nnrl JudllhA.So1UVC "I 282Sl.JohnsDr..Camplllll.PA 17011 . \bu atr the penon or rmont ",ho sl.n.. "Owncf" bdow. '*, lhe MOO.IIce. an the NalkJRal Dank or Uoynaown,. nadonal bankinllllOdllioa wkh 1ft orne... PhiIIddphiI aniJ RniJin. Avenu", Oo)'tftown, l'cnnl)'lvlnll 19511. .. On lh, lime: lolly Ih.1 )'Ou sl,ned Ihls Morl,.,e, l:-amtlc 1.1 51'1"1', Jlr.....\l~Jr'Ili!.0.\(.~. E.I~.. ..hclher one or morc p:ROn' caUed Ih, "Borrower", ,I,ned an In$la.EqullY or Di(tloml IlolI." Credit Un' AmKInl Aarctment (ca15cd lhe "Aarecmcm'1- Undu the Alrce- menl, M opened an a<<ounl (caUed th, "Arrounl") ror lhe Bor~r, punuanllo ",hich "are ablolulely obll..IN 10 make aU lout propalY reqllftled by the IIornNcr from lime 10 lime. up 10 . Mulmum Crcdil or S Itn nnn nn . Our ObU,'llon 10 make loan. 10 lhe BoI1'O'lla' encb when the Accounlil tcnnlnaled as provided In lhe A,rumenl. The oul$landln, balance on Ih, Ac'counl bean Inlnn1 and other charan and b rrplyablc b)' the Borruwa .. the limn. In the amounll, and under Ihe l"ms and condlllon' II are provided In th, A,rum,nl. THE REAL PROPERTY: You a" all or Ihe ownen or Ihe rollowln, properl, (c.lled Ihe "Real Properly"). localed In Ihe Counl)' or Cumbe r 1 and . CommonVlCahh or Ptnnl)'h'lnia, and known II: 7R7 St StmI Add.... PA , in1' Zlp CocIc C''''r. 11111 MunJdp.s& y In"" sn.. lInmp..tnn T1.rp . Slalc The Real Property II more pudc:uwly desc:ribcd In the Deed b)' which you obl.lned 1111, 10 the Real Property, whkh I. recorded ID the Cumbpr 1 nnrl COO"" om", for th. Reconlln.ol Deed,1n Deed Book No.~-C_. .....(1) 1R . Pan:.I,-----10-1846-I05 Ildleckal. u dncrlbcd on Exhlbll "A" atllcheeS 10 and made a pan or this Mon",c, THE MORTGAGEz \bu monp,Co If'Int .nd convey th, Real Property 10 us. lo,cthn wllh aJllmprovcmcnll and buUdinp now' or laIcr on lhe JtaI Propa1y, and an rtahu. UlCmcnt... mnl and pronu multln. from your ownenhlp, Ule or pollndon or the Real Properly. WHAT THIS MORTGAOE SECURES: In conlidmtlon ror and to Induce UI to open and malnl&ln the Accounl for lhe Bonuwcr ud lA&cad1aa to be IcpU, bound. you aarec IhaI: IhlI MonPle will scc:ure the paymenl by Ihe Borrower or allIUm, now or lain owed 10 u, on lhe Accounl.ladudlaa aU ftuDce charlet aod other "unt owed 10 UI II provided In lhe Alrumenl. II .U II any amounts which 'IIC ma)' advance to In'urr. pay ..an on, or repair lhe JtaI Propcrt)'. 1ft)' Ilnance ctwaa on lhe ,uml we may advance, and our collection tlpcnsaln the cvcnl of der.ult. YOUR AGREEMENTS: \bu apee thai Ihb MonPle I, made lubjfa 10 Ihe rollowln. candillon... prornba and obUpdons: I. 'mu ha.... absolute Ilde 10 lhe Real Property. \bu have Ihe riahllO mort..ae. ,rani and COfMJ the AnI Propcny to us, free of the dalmI or dcmaDdI of In)' other penon. attpI a prior monpp holder who )'Ou told us aboul. 2. lbe sum. due on the Accounl will be paid II and when due. 1. All obU.allolll of the Borrower on Ihe Aarmnml and 01 )'OU on thl, Mon",e will be full)' and ralthfuUy performed. 4. \bu wiD ply allwa. aslCWftenU and 0Ihcr ICMt'tUncntal ctw)es.lndaadln. Wlter and KMr rmll, which may be ltnpoIcd upon tbe Rat Property. ~ wiD DOl dalm In)' credit for luch paymmll nor pcrmIllhe ~ 10 deduct them rrom the amounll due on the Aa:ounl or lballl'l olhawbt Ml:Uftld by 11111 Monaaac. Upon request, )OU wiD deliver 10 UI reeclpcs showln. the pa)1llenl of Iuds dwJQ. . S. 'mu wUl pay for adequate InlUlance covetIJC aplnll nrc and ,uch olhcr hautdllo Ihe Real Propn1y as '1ft 11II)' require IDd as pcuwldcd Ia the Aaremcnt.llllUnnct mull be bpi In full force and errect Willi the Account It paid In ruD. th, AlreemClu b termlnalrd and Ihlt Monpc, It rdeued. 6. 'mu wlU maintain the Real Propaty in load condition and rtpalr. If Ihls Mort'lIe Is on a unllln. condominium or. pluncd UDIt df1.dar17 -t th~ 1O'I1halI promptly ply and perlorm all obllptlOlU under the dcdaratJon or CCI'o'eft&nts crcalln, or aowmJn, Ihe condomlnlum or pluncd uAIt ,., clap mml and Ihc by-IawI and repladons 01 the condomlnlum or planned unit dcvdopmen1. 7. If)Ou or Ihe BoITOVl'Cf I.D 10 pa)' any tua,lJJCUmenu.'CMI1Immw chuan. or InsUJUce premiuml whca Ihcy boc:omtduc. 01' rao 10 malatain lhe 1kaI PIopaty In 10Dd condldon and repair, we may make such paymcnlJ Ind repaln and add the amounts M advanc, 10 the lmounlllCCUrcd b11hl1 Monpac. .. \bu will nOlICll. wip or deliver Ihe Real Property or Iny ol)'OW rlahllln lhe Real Propcrt~e whole o.la part. 10 ury ocber p-torr"" It noI . party 10 Ihb Monaqe without our prior wriUen consenL ,..., 9. 'mu wiD prompll,. pay aU amounU due and property perrorm aU of )Our obJI.atlons on any 0 mor1iale on the Real Propert", 10. Our nahU under this Mortpae shaU nOl be arr<<Ud If the A&rmncn1 or any a~ion secured by thII Mol1PlcJa raacwed., atcncScd. amended, anodlOed or waived. \14 may, wllhout notice 10 you, reltasc or add an)' coUalcral and add or release any Bonowcr on the Alrrancnt. or a1eDd the tlmc for JlI)'IDCDt. or modiry lbe paymentlmns or Ib, Aarmnenl. wlthoul In any way .rrectln, our riahll under Ihis MauIl'Co DEFAUL'D The roDowIn,1I'I "Delaults" In Ihls Mortp,e: I. The BorI'OMl b In default or Ihe ApccmenL 2. MY or Ihe condldons. promJsa or obllaatlonJ conwnrd In Ihls MortPle are not ruUy and ralthruu)' performed or 11'I bradIed. 3. 'mu or the Borrower defaull on any olber apmnCDI with UL OUR RIGHTS UPON SENDING A NanCE OF DEFAUL'n UpotI or after lhe ocaIITCna: 01 Iny Derauk. .. may, It... chooec. penoaaDy dellWI' or maD to lbe Borrowu a Notice or Derault. Then., aher prina)'au or the Borrowa any olber Ilmcly noIIce or our inlentlon 10 like aaJon and or the Bonuwa'I (or )lOur) rIaht to cure Ihe deraull In the lime period as may then be ptoYldcd by taw, '1ft may do any or .11 or l,be folJowtn,: I. ltrmlnale (h, Alrecmcnt and rerUM 10 make any new loans 10 BorTO'll'Cf. 2. If cure Is nOlllmely errected, demand Immediate pa)1llenl or aU amounu leaned by Ihls Mort.lle. 3. Require paymenl or our co,ts of collealon. Includlnl our court (ous and reuonable IItomcy", rea or 20'- of Ihe amount d-. buI only Ir actuaUy Inc:umd and pcrmlned by law. .. Eurdsc our nahllln the Real Properl)' which 11'I alwn to us by law, In Ihls Mort..~ In Ihe Aarmncnl. Of In any ocber IIp'CaDCIlL 5. Foreclose upon the Real Propcny and. ancr judlmentln Ib, rOftdosure procccdinll$ obtained. JeU or Icue Iht Ita.! Property. Tbe proc:IlICdI of the sale or kaH or lhe Real Property will be appUed to (he costs of foredolUR, Indudin. our reasonable and actualallomqo"$ rea and court cotU. Tbe bI1ance rcmaInIna. If Ibcre Is any, wiD be appltcd (0 Ihe colli of scllln. or Iwlnl1he Real Propcny and lhen lOWUd' Ih, reduction or Ihe amun" secured by Ibe MoI1pae. /UIJ call wiD be paid to )IOU or 10 the Borrown, as we choose. 6. Uke .n)' other aalon permitted by law. U we do not tcftd. NoUce or Derault. '1ft waive Ihe Derauh and rcmaiD obUPled 10 make aU loans rcqucskd by lhe Borrower. TbII -.Jwr .w. DOt bind w. bcwcm', Ir a umllu or dlrrcrmt Defaull oc:cu.n taler. N. thai lime. we ma,. CMolt 10 send a Notice or Delaull or apln waIw the DdaulL RELEASE OF MORTGA.CE: nil Motta... will cud.. .atO aU s.. DWftI 01 I.t Aao..IIla", bmI ,lid I. ,. ... we .. .............,.. to .... __ to ... Borrowtr ..., t..1If'1U 0' II.. Alm_nL If you or the Bo~ notif)' u. thallhe Real Property will no Ionaer ICCUrc fullft 101III10 the Bonvwer. Iha& nodcc sbaU become errectlve on lite rounh buslnc:u day artcr we aduaU,. recdve It. H~, this Morl&lle wUlsecure alIloln1 made belort the d'fectlw dale of Ihal DOtIc:e. II weD as aD 01 our finance cJwan (and other chaq:a) whkh wiD continue to be tamed on the amounu ovoed 10 us allhe nee pnMdcd Ia tbc AarcaacDI uadl M are pUS lD full. cwn If we have obtained judamcnl aplnIllhe Borrower. If the MDI O'*fd on lhe Ncount and all olber obllpdolll owed to us wbkb an: IOalI'tId by IhlI MoI1&aIe are paJd and performed In full. and )'OU or lhe Borrower I't'qUCIlln wrltin,lhaI we sallsry Ihls Mon'lIe. then lhis Mortaqe ud our laIaaIIla.1bc Real Property &baD CDd and our obllptlon 10 make loans 10 Borrower IhaIllcrmlnatc. We wiI1 promptl,. saUst)' Ihb MonPle or send )IOU .1'ClClOfdabIe .rtllal rdeut or IhII fdorI&.qc. lbu qm lhallhis MortPIC' IbaI1 mnaJn In errect. even alllma when no sums ~ due, until you or th, Borrower rcqUCIII us to 1IIlsr, tbk Morta. IN WITNESS WHEREOF lhe Mortpaor has hmunlo JCI hand and tallhe dlY and year nnt .bcJltc wntlm. (SEAL) , .-.... ' Mott... .1mc S <.' Mortlqar nM (SEAL) , (SEAL) Mort,lsor . bOOK b67 rACE (SEAt) Mort, 811 R96000 STATE Qt. PENNSYLVANIA . bdufC me. Ihe undc"l.ncd anker. ptflOn.U,. .ppc.mJ Jl1me 5 W. Sauve. Jr. Ihe Morl...orel). _ho .,howled,cd DtC\Illon of lhe _llhln MOrl'_" 10 be r.Alill~;:4 J.~hl.l" I'(i[~. No'ary Puulic hr.c.lsl,:r, LanCI1l1er CC'unty. Pat My Comml..lon upl,.. Jul 16. 1990 hlvhn/lhclr rm and ,oIunl.'Y ad .nd deed. (ur Ihe uw, and purpcnn Ihcrtln ,.prt"ftt. and Ih.1 he/me/lhcr dnlrcd I 0- &' . "'. ~" . .... I.;. .~..";.j?'..- j\ SIA)P.,:"; !~/.~ .r~i.i . I C'LI' /. I , > . , -':'-,..: 10::" ..--r.",' " nN;:....:.,;...~:.~... . Q~., .~. :,:~, ,'.. ." lrr: ._~_ '.. ',&' -AOu";c:s ~<O1 :(.ft ~~194J ISS COUNT\' Qt. BERKS On lh. ~'b ~ llay./ lVIIit'-I IInd Juu l~l1"^: .S~uve ..' .... . / '.. . J't:', . .'. .1'~'7 I certl'y IhaJr<d1e mld.nce 01 ,h. wlthl~.namrd MORTOAOEE. NOII.naIDank 01 DoyertoWlt.1s Phllad.lphla and Readln. A....u... Ooyl:rtown, PA 19512. ..1/' '~ Slanllul< 1k.I~ ^ .....n' on bohall 01 Mort. lhllll be tfConlN'U""'h. ^. ~'.' :-.' , . r. ~ ',',. -"', Notary ~bll( "';l'L\'~'>" .4):. My Comml..lon ~I...: .' ..' Carlisl(:, L.I~. ',ItL' .i :IU.:.lfl;:.1 ~ '~~:;..:;J.~ .'0'-..J 3: i "Cl =:z f~ =CO oe~ a~~ ~>:z ",,:zll': 7-co ~l!!: :i~Sl N ~ ioox 8Gi rAtE 812 t'l .~ .~. I" ~.~;. . . - ....., .~.. . ~~"" 4 a olr. <..r'I :r. :::c -- nNc...c... QI CD C QI a No.9 "0 ....I'D 1- enMUI :::...:r ... . 0: .... >. 2 .- c... . . 0 ((l g..:rtnQl 2. :3 QI C .e '1j UI C < 0)00 < I'D ;: ~ I'D .. ... _. c... 0'" .. :1 0 .. ... .: ... o ::I. e 3: ;0 oE 3::.- l:'l l'l .';:-,:~.... '''''r..,..... . ., 0:. -.I .... g :7 .; .... ",::n n -10:'10 .0 :n J (,,;)t.., .. :l,m ..-;to .. . ~ I ... ~.. -. .." ";: "'T1 -: .~. ~ \,~ . r......, .,:;; ,., ',) ;j '";1 5U ~ ...J ~ - "Cl 8 ~ 3: :z 3: "'00 <",:z i ~ ! ~ ~ IV"...t."..W@ . . mnONAL BANK OF BOYERTOWN A tuMid...., 01 NlIionII PMn I.nc'har... Inc _n,lC January 5, 1994 CERTIFIED MAIL - RRR 'NOTICE OF INTENTION TO FORECLOSE MORTGAGE UNDER SECTION 403 OF PENNSYLVANIA ACT NO. 6 OF 1974 Ms. Judith Sauve 282 St. John'a Drive Camp Hill, PA 17011 Re: Mortgaged Premises: 282 St. John's Drive Camp Hill, PA 17011 Customer and Note No.: Judith Sauve 935-6509 Dear Ms. Sauve: The MORTGAGE held by National Bank of Boyertown (hereinafter, "we, us, or our") on your property located at 282 St. John's Drive, Camp Hill, Pennsylvania 17011, IS IN SERIOUS DEFAULT because four monthly payments have not been made for the months of September 14, October 15, November 14. and December 15, 1993. Late charges (end other charges) have also accrued to this date in the amount of $103.48. All amounts due and owing pursuant to the terms of the debt instrument and the mortgage must now be paid. The total amount now required to cure this default or, in other words, get caught up on your payments as of the date of this letter is $1,773.06. This amount was computed by adding the principal amount of $1,669.58 and accrued late charges of $103.48. This amount was computed by adding all of the past-due installments totalling $1,669.58 and accrued late charges of $103.48. You may cure the default within THIRTY (30) DAYS of the date of the receipt of this letter bv pavin~ to us the above amount of $1.773.06. plus any additional monthly payments and late char~es which may fall due durin~ this period. Such payment must be made either by cash. cashier's check, certified check. or money order and paid to Natione1 Bank of Boyertown, P. O. Box 547, Boyertown, PA 19512. You must cure any other default noted above within the same time period. Philadclphia & Rcading Avcnucs · Boycrlown, PA 19512 · (215) 367-6001 ....... Hs. Judith Sauve - 2 - Jenuary 5, 1994 If you do not cure the default within THIRTY (30) DAYS. we intend to exerciae our riRht to accelerate the mortRaRe paYments. This means that whatever is owing on the original amount borrowed will be considered due immediately, and you may lose the chance to payoff the original mortgage in monthly installments. If full payment of 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 mortRaRed property. If the mortRaRe is foreclosed. your mortRsRed property will be sold by the Sheriff to payoff the mortRsRe 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 fee actually incurred up to $50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even if they are over $50.00. Any attorney's fees will be added to whatever you owe us, which may also include our reasonable costs. If yoU cure the default within the thirty-day period. you will not be required to pay attorney's fees. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty-day period and foreclosure proceedings have begun, you still have the riRht 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 payinR the total amount of the unpaid monthly paYments plus any late or other charRes then due. as well as the reasonable attorney's fees and costs connected with the foreclosure sale (and perform any other requirements under the mortRaRe). It is estimated that the earliest date that a Sheriff's sale could be held would be approximately Hay 9, 1994. A notice of the date of the Sheriff's sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling us at the following number: (215) 369-6138. Thia payment must be in cash, cashier' a check, certified check, or money order and made payable to us at the address stated above. You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff's sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE TIlE RIGHT TO SELL THE PROPERTY TO OBTAIN HONEY TO PAY OFF THE HORTGAGE DEBT OR TO BORROW HONEY FROH ANOTHER LENDING INSTITUTION TO PAY OFF TIllS DEBT. (YOU KAY HAVE TIlE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO TIlE HORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE HORTGAGE DEBT PROVIDED THAT ALL TIlE OUTSTANDING PAYMENTS, CHARGES, AND ATTORNEYS' FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE (AND THAT TIlE OTHER REQUIREMENTS UNDER TIlE HORTGAGE ARE SATISFIED). CONTACT US TO DETERMINE UNDER IlHAT CIRCUMSTANCES TIllS RIGHT HIGHT EXIST.) YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY TIlIRO PARTY ACTING ON YOUR BEHALF. Ha. Judith Sauve ,.3. January 5, 1994 If YOU cure the default. the mortReRe will be reatored to the aame poaition aa if no defeult had occu~. However, you are not entitled to thia right to cure your default more than three times in any calendar year. EHS:yas n H II ~ &. ,,? 3- r:n ~~_0 m "::IE 0_ ~ r .I o U 0 - If' '~ ~ LI1 .... "'CI 5- S ...... :r ....<G; . a..: ~ S . ..... k D'" "i:t: a....~ ~~ I\J U 1:: .5 g p... . ~ lDGJooVi ~ m II: U Z Q - !'f' 1 I ~In ~ t 1 t i ~ il j !i\ ~tJ i ~ c C I\J a. o J ~ f i ! ~ ! 1 J S.. i' ~ . ~ n 1, !A I! . ~! ~ l. d fa H} & ~. l~ l . 3J~li~1j :. Ia -. 1661 .unr 'OOSE WJO~ Sd ~ N - ~ - ... S;Clo. ~I '> ~~ I) Gl.... >.... .0-10 wI' GlO.... ~In 1lI- 0( U:Cl1t .r:: .r:: 0 ~ .lJ~~ .0-1 ~ ttj ,.rt ;:I.lJ:J:: ~cno. .N e In CI) III :l;NU Ill: ~ Ill: ...:l H ~ o til H ra. H t: til U . . " . . CompIett hem. 1 end/Of 2 'Of HdhIoneI..,...lcet. . CornIl&Ile It.m. 3. and .. . b. . Print your MmI and HeIr... on U. ,."'tH ot tN. fann 10 Ihlt WI can rttum lhII CIfd to you. . Attach tN. form to thl front of the mellpleCI. Of on thl tack If IplC' dol. no. pennh. . Writ. 'lIetum Receipt RlqUlltICI" on thI tMItpItce below the ertk:lI number . The ...un RKllp. Fit wll prowldl you IhlI6gnIturt of thI pettan de to and the .te of dlMv. . 3. Anlel. ~ddr...od to: \ I I. 1 I 01.0 wl.h to ....1.. tho 'ollowlng "IVle.. 1I0r .n ..tr. ,.." 1. 0 Addr....... Addr... ,j-l~.Ic\....-s.......,,~ . , "T;a.....,~. J.\"~:; i>'C";'\I~ . ,..- - ..-~ ~\\. ~{>. \ TO \I . r ,) 2. 0 R..trlctod D.II..ry Conlult Itm...er for tH. .... Artlel. Number ,. ~ VI .,.S, ?-GO <lb. S1rvl9l. Typ. o Roglltirid , IS C.nI~Jci · o bpr... ~.II . 7. D.t~ t: B. Ad ......'. Add.... IOnly II roqutlltod II1d ,.. I. poldl s. I r I , I I . fl DOMES:nC RETURN RECEIPT ~. .... I I' ." r ,,! ., ", ~ r . t' t 1 '" f 1 f : i.~ Form. ' , No..mlll, 1880, 1'*U.l;OPO: '111-211'- .'I'I'I I I ,llltl . . ._.". ... ,. ~. ~ ..0-_ t11 1\. -:r.' ::. $' "I,"::";" 1=..' :.::\.,<'~' . .1 ,.:~.;','. ", ; - .' '~,. "','., '", , . I ", ~. ,:,,{.,,' ..; . · '.. , ~. . i . ....,. . ;. '.' ,;~~ ...... ,.:'~.~.. r:.-"" ~ .': Or' ~ ':,:~&J \A.~' ....\ 0. T r---' :' , .' ~. It . v' a. .:~~I :; ~ )~l O\:",~~ - &. . ~. m , 5' ~. .~.i .-.:1 " , \ . , . .. ,. ,. i a i iil' i~ ~ ~ I ... c:l .... ~ ... ,.., ~ i ~r 1"", ..!iI ~~ ~ ... '.0 .. ~I~ . . . NATIONAL BANK OF BOYERlUWN A .MII..,., of NlIIOnII Pltnn e.nc:.......Inc. _'DIC January 5, 1994 CERTIFIED HAIL - RRR NOTICE OF INTIlNTION TO FORECLOSE MORTGAGE UNDER SECTION 403 OF PENNSYLVANIA ACT NO. 6 OF 1974 Mr. James W. Seuve, Jr. 282 St. John'a Drive Camp Hill, PA 17011 Re: Mortgaged premisea: 282 St. John'a Drive Camp Hill, PA 17011 Customer end Note No.: James W. Sauve, Jr. 935-6509 Dear Mr. Sauve: The MORTGAGE held by National Bank of Boyertown (hereinafter, "we, us, or our") on your property located at 282 St. John's Drive, Camp Hill, Pennsylvania 17011, IS IN SERIOUS DEFAULT becsuse four monthly payments have not been made for the months of September 14, October 15, Novamber 14, and December 15, 1993. Late charges (snd other chsrges) have also accrued to this date in the amount of $103.48. All amounts due and owing pursuant to the terms of the debt instrument and the mortgage must now be paid. The total amount now required to cure this default or, in other words, get caught up on your payments as of the date of this letter is $1,773.06. This amount was computed by adding the principal amount of $1,669.58 and accrued late charges of $103.48. This amount was computed by adding all of the past.due installments totalling $1,669.58 and accrued late charges of $103.48. You may cure the default within THIRTY (30) DAYS of the date of the receipt of this letter by payin~ to us the above amount of $1.773.06. plus any additional monthly paYments and late char~es which may fall due durinR this period. Such payment must be made either by cash, cashier's check. certified check, or money order and paid to National Bank of Boyertown, P. O. Box 547, Boyertown, PA 19512. You must cure any other default noted above within the same time period. Philadelphia & Reading Avenues · Boyertown. PA 19512 . (215) 367.6001 Hr. James W. Sauve, Jr. - 2 . January 5, 1994 If you do not cure the default within THIRTY (30) DAYS. we intend to exercise our riRht to accelerate the mortReRe psvments. This means that whatever is owing on the original amount borrowed will be considered due immediately, and you may lose the chance to payoff the original mortgsge in monthly installments. If full payment of the amount of default is not msde within THIRTY (30) DAYS, we also intend to instruct our attorneys to stsrt a lawsuit to foreclose your mortRsRed property. If the mortRaRe is foreclosed. your mortRsRed property will be sold by the Sheriff to Day off the mortRaRe ~. 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 fee actually incurred up to $50.00. However, 'if legal proceedings are stsrted agsinst you, you will have to pay the reasonable attorney's fees even if they are over $50.00. Any attorney's fees will be added to whatever you owe us, which may also include our ressonable costs. !! you cure the default within the thirty-day period. you will not be required to pay attorney's fees. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty-day period and foreclosure proceedings have begun, you still have the riRht to cure the dafault and prevent the sale at any time UP to one hour before the Sheriff's foreclosure sale. You may do so by payinR the total amount of the unpaid monthly payments plus any late or other charRes then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale (and perform any other requirements under the mortRaRe). It is estimated that the earliest date that a Sheriff's aale could be held would be approximately Hay 9, 1994. A notice of the date of the Sheriff's sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling us at the following number: (215) 369-6138. This payment must be in cash, cashier's check, certified check, or money order and made payable to us at the address stated above. You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff's sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN HONEY TO PAY OFF THE HORTGAGE DEBT OR TO BORROW HONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. (YOU HAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE HORTGAGE TO A BUYER OR TRANSFEREE 111I0 WILL ASSUME THE HORTGAGE DEBT PROVIDED THAT ALL THE OUTSTANDING PAYMENTS. CHARGES, AND ATTORNEYS' FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE (AND THAT THE OTHER REQUIREMENTS UNDER THE HORTGAGE ARE SATISFIED). CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT HIGHT EXIST.) YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. Hr. Jamee W. Sauve, Jr. .3. January 5, 1994 If vou cure the default. the mortR8Re will be restored to ~he seme position 8S if no default had occurred. However, you ara not entitled to this right to cure your default more than three tim.s in any celendar year. Sincerely, L~~ Speciel Loanl Adjultor EHS:y.. , Ij . . ..., ~ ~I ~ " I') .~ QI... a- U 1 So - .,. .>... a- 'Il!! df'lo .,. QI.r10 ~ > ~r-- .... .. ~ 0.5 II'.W'''' ~Q... o U a- . J _ ~ III /TI~:ii-s:3 <t ~ 3 lil.1II < Ul.. h ..-lIt: rl r :r .e.' ~': i . . .! !- ! I . .S::~ CD....a: ~ 1 ~.<: a- ~ i ~ ~ ~ i(i ~~ i :;.... :1{ i!o 3 0 . i ~ t~ H J, . 1II1')~ ru a:t.JZQ i" ~ .! 1. ;E. i ; QI ~ /TI '" ~ 1 e..... c. ~Ifi . ~d J , j , ,~ j; ~q Ill...:>:: . 1 1. a_. I')lila, IllltJ ~ 166\ .unr '008& WJO~ Sd . .N e ~CI)a :EN ll:: ll:: S; ll:: ~ ...:l - H ~ ~ - r-ce Q c.l ., ~i H ~ H Jl5 e- ll:: '> c.l ~Jl u m .-- .. ~ .____ .._ "_0..- s",ot"oen 1 ~ ~ iifilihH11 -: ~ ~!l.1 IsUI ~{"~ ~ .{ su"'. . ~ -:r-r: i. ii' I III ,-c-' If l i : N ~ t '^ .. 1 ~ s;i j> oj' ~ 1 s' I I , . t "f ,~ II I II ~ - : ~~. ~ tl; i 1 L. '. i' I I J, . .. I I r B !" . i ~ I a ~.. !" ;01 0 mI o~ ~ I 1= I 1:1. l~ 0 In.. ~~ t i ~ '. i \ ~ i filii i n i ~_ ~ . i~ ~t ..1 ~;i: 51 ~ ~ ~ I t ltj;i 000 ",r .. ~ I!. ~ ! Is [ ~ III i; ~ j .. ~:. 0 ." =, :II '" _~ ll!!. ~ II m. i~' is I !. Q . . ~ II :!I i.'. ." 2 ~ . m- ~. J:"'. S' . . F. . ~<( ,~ . 41E' . ... -. \ ::.... ,. ' . ,~~~..~i .A'E-' ~ < " == ...s::: c> g . i~ ~ 'C? i .::.-4-oi .~. t-, ~ l '~~. .c::.... VJ- i .=- ~l ~ ~....j tl ~, ~ v ~ ~ .! '-.j ." .. \ .. ~! 1"... filii I ~ I I a m Ix ! ~ lit I ;g .... ~ ~ ~ *' - ~ , i .... '.0 .. ~,~ - ...~ ......,.&o..:.-:.._~~ \ - . ,~ . . NATIONAL BANK OF BOYERmWN A 1Ub1ldlary 01 HaltoNl '-nn 8.ne,haltI, Inc. ,,__,FDIC IHPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 PLEASE READ TIllS NOTICE. YOU HAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS January 5, 1994 CERTIFIED HAIL - RRR Hs. Judith Sauve 282 St. John's Drive Camp Hill, PA 17011 ae: Customer's Name: Judith Sauve Hortgege Address: 282 St. John's Drive Camp Hill, PA 17011 Account No. 935-6509 Dear Hs. Sauve: Your mortgage is in serious default because of a failure to pay promptly installments of principal and interest, as required, for a period of at least sixty (60) days. The total amount of the delinquency is $1,773.06. That sum includes the following: Past-due monthly payments in the amount of $1,669.58 for the months of September 14, October IS, November 14, and December IS, 1993. and accrued late fees totalling $103.48. You may be eligible for financial assistance that will prevent foreclosure on your 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 the eligibility requirements of the Act as determined by the Pennsylvania Housing Finance Agency. Please read all of this notice. It contains an explanation of your rights. Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this notice. During that time, you heve 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 defsult. That meeting must occur in the next thirty (30) days. If you attend a face-to-face meeting with this lender or Philadelphia & Reading Avenues · Boyerlown, PA 19512 · (215) 367.6001 Hs. Judith Sauvs ~ 2 January 5, 1994 with a consumer credit counseling agency identified in this notice, no further proceeding 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: Evelyn H. Spaar 40 South Reading Avenue P. O. Box 547 Boyertown, PA 19512 (215) 369-6138 The name(s) and addressees) of (a) designated consumer credit counss1ing agency(ies) is (are): Urban League of Hetropo1itan Harrisburg 28 North Sacond Street Harrisburg, PA 17101 (717) 234-5935 YWCA of Carlisle 311 East West Street Carlisle. PA 17013 (717) 243-3818 It is only neceasary to schedule ona face-to-face meeting. You should advise thia 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 tha right to apply for financial assistance from the Homeowners' Emergency Hortgage Assistance Fund. In order to do this, you must fill out, sign, and file a completed Homeowners' Emergency 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 postmarked within thirty (30) days of your face-to-face meetinK. You must either mail your application to the Pennsylvania Housing Finance Agency, or you must file it at the office of one 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 no. (717) 780-3800 or 1-800-342-2397 (toll-free number). An application for assistance may be obtained from this lender, from a consumer credit counseling agency, or directly from the Pennsylvania Housing Finance Agency. It is extremely important that you file your application promptly. If you do not do so. or if yOU do not follow the other time periods set forth in this letter. foreclosure may proceed aRainst your home immediately. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. . Me. Judlth Sauve .3. January 5, 1994 It ie extremelv important that your application ie accurate and complete in every reapect. The counseling agency will help you to fill out the application. The Pennsylvania Housing Finance Agency has sixty (60) daye to make a decision efter it receives your application. During that additional time, no forecloeure proceedings will be pursued against you if you have met the time requiremente set forth above. You will be notified directly by that Agency of its decision on your application. Encloeed alao ia another notice from thia lender under Act 6 of 1974. That notlce is called a "Notice of Intention to Foreclose." You must read both noticee aince they both explain righte that you now have under Pennaylvania law. However, if you chooee to exerclee your rights deecribed in thia notice, we cannot foreclose upon you during that time. Aleo, if you receive financial aaaistance from the Penneylvania Houeing Flnance Agency, your home cannot be forecloeed upon while you are receiving that aasistance. Sincerely ~~'{'/'.~' c ~ EVELYN M. 5r1UlK a1 Loana Adjustor EKS:yss r \ i f .- -" " nlV3: IIICXlIll S IV . 'tlCll~ ll::rI'C ..... g" ~ .... ~~ rI' ~ 0 ::r ::r 'tl::s CIl >' -Ill III C < "0 lD -.111 0.... ..< "lD \ . f;l r p ~ r >i ~ 'oJ pP~ ~ PI 0 ~ - ~ ~ - t" N ~ ~ PS Form 3800. June 1991 i~~~l.' -l..r{f{ 11 . - .' , . d.~ ~ ~ nna ii' i I if ~.J i A ~ - . ~, , , ~ ," .~ o f f i I ~ f ! : . ~ I i I o:~: ~ t,ll~ "lJ i' P v .~ 1 tlf f -ozn::a ILl ",- r.ll'ooCDCD I\J .~ c..- "I:: G 53"::l n ..D ::=i. ~ f - E ==!. r- . c ;: -.'tJ ~ <fJ < t/\ ~=~CD.. In ". ~. P ; c m C1.... .,.. f -n,o - 1. '" ;'O~" c ..u ... - em * 6, .,. !!~ =: b'" = " if Ln h ~ 0 -. H . Comptttl iwm. 1 end/Of 2 'Of IddItlonel ..rvk:... . CompIet. It.m. 3. end 4. . b. . Print your nllme Iftd Idch.. on the 'IV"" oliN. IOfm N "". .. CIn return W. c,rd to you. . AnKh IhI. form to 1M fronl of the meIlp6tct. Of on the bac' If 'PI" do.. not permit. . Wrf1. "",tum RecetpI ReQUlltN" on the mtMp6ece....... thIIlWtk:tl number . The R.tum ",c'lpt f.. wiN provide you thll6gnatur. 01.,.,.,1On delver to 'nd the d,,, of dilly. . 3. Anlel. Add....1d 10: I .110 wllh 10 'ICllv. .he lallawlng "'vie.. II.. on ..... 1..1: ,. 0 Add........ Add.... 2. 0 R....lelld O.lIvory Canlult IImlllor I.. ... 4.. Anl.l. Numbe, ''''' It 015 4b. Sorvle. Typo o RlOlllltod 0 Inlu,1d a c.rtJllld 0 COO o lop.... M.II 0 Rotu,n Roollpl I.. 7. Dot. 01 Dolly.. 2- . J....\t.;,\\.. CS......ve ,')Jl,.. ~.~.'-''S t>-r~,,~ :l:::~ \\..\\, V~ \=\-0\\ . . 1 ~ : . II 1 ii "' .u.a. GPO: 1.1-.'" II '" 'J i' DOMESTIC RETURN RI!CI!IPT PS Fa,m " ,\ .. I , -.' . . ~, . '........] ~-:O~-.I\...~.'" "'^)'aI\~ -e\Sbl L 1...r-n " " q~ ' ~ ~<6" ~(I~~~o~ '. · LhS,'I ~~ (J J · ., SIBil Spo:;) dlZ pUB ,",SlppB 'SWBU lOoA IUIJd , J 1 i I': ) .~ ~ .t l t I _. '3sn 31Y/IIlld 1lO~ .u TtN3d ; 1 6'61 V6tlt~t Ir#ssr au tJ(l'~eHreJDlJlO I lI:1lAlIJB ,.,.I.8Od BUY.L' CIUINn . NATIONAL BANK OF BOYERTOWN A MMlllry" NlUONI Ptnn lenclhlttl, n. Membef FDIC IHPORTANT: NOTICE OF HOHEOWNERS' EMERGENCY HORTGAGE ASSUTANCE ACT OF 1983 PLEASE READ THIS NOTICE. YOU HAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE TOWARD YOUR HORTGAGE PAYMENTS January 5, 1994 CERTIFIED HAIL - lUUl Hr. James W. Sauve, Jr. 282 St. John'a Drive Camp Hill, PA 17011 Re: Customer's Name: Jamas W. Sauva, Jr. Hortgage Address: 282 St. John's Driva Camp Hill, PA 17011 Account No. 935-6509 Dear Hr. Sauve: Your mortgage is in serious default because of a failura to psy pro.ptly installments of principal and interest, as raquirad, for a pariod of at least sixty (60) days. The total amount of the dalinquancy is 81,773.06. That sum includes the following: Past-due monthly payments in tha amount of 81,669.58 for tha .onths of September 14. October 15, Nova.ber 14, and Daca.bar 15, 1993, and accrued late fees totalling 8103.48. You may be eligible for financial asslstanca that will prevent foreclosure on your mortgage if you comply wlth tha provisions of the Homeowners' Emergency Hortgage Assistance Act of 1983 (the "Act"). You .ay b. eligible for emergency temporary asslstance lf your default has been caused by circumstances beyond your control and ir you meet the eligibility requirements of the Act as determined by the Pennsylvanla 1I0uaing Flnance Agency. Please read all of this notice. It contelns an explanation of your rights. . i I 1 Under the Act, you are antltled to a temporary stay of foreclosure on your mortgage for thirty (30) days rrom the date of thia notice. During that time, you have the right to arrange a "race.to.face" meeting with a representative of this lender or wlth a deslgnated consumer credit counseling agency. The purpose of thst ..stlng is to attempt to work out. repayment plan or to otherwise settle your derault. That meeting must occur in the next thirty (30) days. If you attend a race.to.face meeting with this lender or Philadelphia & Rcadinlt Avcnucs . Buycrluwu, PA 19512 . (215) 367-6001 Mr. James W. Sauve, Jr. - 2 - January 5, 1994 with a consumer credit counseling agency identified in this notice, no further proceeding 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: Evelyn M. Spaar 40 South Reading Avenue P. O. Box 547 Boyertown, PA 19512 (215) 369-6138 The name(s) and addressees) of (a) designated consumer cradit counseling agency(ies) is (are): Urban League of Metropolitan Harrisburg 2B North Second Street Harrisburg, PA 17101 (717) 234-5935 YWCA of Carlisle 311 East West Street Carlisle, PA 17013 (717) 243-3818 It is only necessary to schedule one face-to-fsce meeting. You should advise this 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 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 postmarked within thirty (30) days of your face-to-face meetinK. You must either mail your application to the Pennsylvania Housing Finance Agency. or you must file it at the office of one of the designated consumer credit counseling agencies listed above. The Pennsylvania Housing Finsnce Agency is located at 2101 North Front Street, P. O. Box 8029, Harrisburg, PA 17105; telephone no. (717) 780-3800 or 1-800-342-2397 (toll-free number). An application for assistance may be obtained from this lender, from a consumer credit counseling agency, or directly from the Pennsylvania Housing Finance Agency. It is extremely important that you file your application promptly. If you do not do so. or if you do not follow the other time periods set forth in this letter. foreclosure may proceed aKainst Your home immediately. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria establishsd by the Act. Hr. Jamo. W. S.uve, Jr. . 3 . J .nuary 5, 1994 It ia extremely important that YOUr application i. accurat. and compl.t. in .v.ry r.ap.ct. Th. coun..ling agency will help you to fill out the application. The Pennaylvania Hou.ing Financ. Ag.ncy ha. .ixty (60) day. to make a deci.ion aft.r it receive. your application. During that additional time, no foreclo.ure proc.eding. will b. pur.u.d again.t you if you have met the time requiremente .et forth above. You will be notifi.d dir.ctly by that Agency of its d.ci.ion on your epplication. Enclo..d al.o is another notic. from this l.nd.r und.r Act 6 of 1974. That notic. i. called a .Notice of Intention to For.clo.... You must r.ad both notices .inc. they both explain right. that you now have und.r Pennsylvania law. Howev.r, if you chooa. to ex.rci.. your right. d..cribed in this notice, w. cannot for.close upon you during that tim.. Also, if you r.c.iv. financial as.istance from the P.nnaylvania Hou.ing Financ. Agency, your home cannot b. for.closed upon while you are r.c.iving that assistenc.. Sinc.rely H:~ /ana Adjuator EMS:yaa ~ "( H . II l> I<< .., .... .., :: 0 CIl... C u_ ->... ru i'~ " 0 CIl,"O .. - I l h ca ~ E > 1<<1' m ..~ 0_ ::I C... Ulg Ua_ '(l 1: . 3 III "':'1:1 ~'i ~ rl r. Ul .Ul .0: a..1 ~ :J t .3 .! t H f ~ .C::j:l, D"" .;:1: ~-a: 1 i ~ il - ru ut:~8: 1 la U . fT1 lD CD 0 0 CIJ . Ul ..,.... ! ~4 t, ~ . a:<Jzo_ J jJji~!j CIl .... a. ~I~ f . J w e ''" . i 1ll-4J:C 3 ~ 3 . 8& w,o~ Sd ..,Ulllo ~661 lunr 00 . N e I<<CI)~ :E:N ~ II' ~ l"- I ~ ~ I-t - ;! ~ I - C I"-A'! ~ I-t ~I f&o I-t E-t ~ tl . - - -, H ., '.' J! ) ~ . i I' I . ~ \ .Ii ~!. ~ B II < II '" iHf ~ h!.~Js~ i-t i ~ ~ 11 :!lll~~! ',;: i -t" 8~ ~,Q II '& ! .:1 ~: I '1 ; ~ ;0 ! ~! : 1 ~ 8 1'- 1 ..... ~I i J:: ~ I: ! I~- t I. 1 ':: s t,a.t ~ _ - :;;f lltJJ --:'''0 ;"....~ IJJsI ~.~~ ..,s: !; i i ll. s ~ ~ ~ - ~.~: I !!l!i liJ 3}~ -::.~ ..Ii 111H ~l i .. '(I r - . ~tHlhBU ~ ~ =I m~~~i!i~~:: ~ ~ : ~ .___ t"' , - - ~u . .. 0', ... ~ ~ ~ . ... ,. ~ .... R ... i ~ . WI i ~I ~I i ~ je ~ .' ~ ;...~ ~': R. ~c=- 1 ~'~:a " ,.1 ~~~'J~ , 1.0 ~~-= ~ 'c.~$J,~~ . :. ".1 ' ..'--} ~ '0' '. l ,o'05.~ :: };~ ~~.~ it . ..:~:~..;:'f' ,:., . :~::,,'.~:t1i , : .' '~';:::':'.':.~' ~ t.] '" , . 0 '; , '. \(l .: '. ' . _-.::~ '~':i. ,....1. . ~ ~":;.u.,...'~'~\,., ,." , ,;:',:'Yf:}. .. ...=.: ~ . .U1 $ E~ ~. i~ , . ~, . ,.' :..: .' - - -- . ,_.".~ ..- VERIFICATION I, DANIEL STETLER, who is authorized to make this verification, verifies that the statements made in this Complaint are true and correct and understands that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904, relating to unsworn falsification to authorities. -n~~ DANIEL STETLER Date: It\~\1 ~ ~.. ~ ;-Jte ~ lU('I ~.J"I ~ ::?ZC'7 """'OU..( ~ ~ h..'l':O> ~I ~,- .r.:;! ~!~d..q'Vl j!l.:t~ ~\ ~ ~ ._ uJhJ:r. ~ lI- ":c QlLAJ ~ t-. XA. '" ::> ~(... ~ ~ ~~ t $ ~ ~~ . < ~ tl ~~ ~ ~ i~ tl >= 't:I S III ~ II ... ., ltl g' ~ p o - ~j ... ~~ . Iii l>I " ~ i OIl t ;; .., '" _ z~i I all i ie~:d~~~ ~8 ~~ -..~ l>Il>< . ~~~. ~ ~ n ~ Id ~~ I>< < ltl IIlltl ~j:-:~.d i- ~ > .... 7. - = ..... ;i.ll ~=d~ !" i!ll>l . - .. .~ - :c B ~ 0: .. ~~ ... ~~ ~ ~ :.: ~ 8 ..,1Il =- ~ .. o III :<I III t2 . . ;, -. ~ - . .~ " ; ~. !, l~fi~.L H(^I; l'Yi'j ~Yj ",'.. ,-,>.'''' ,ltj'.;.iF;\LTIt ('.IF i-'Et:!1':11 L.\" I:; t\; ,"_n!~l r'~' ij[ I, ')~l[lEhL/on( tJ_t\TFJrI'\J __ fIlII; __I1M!I-_:______ vs. :3 ^ llYJL...l ,\f'1 f;_:O:__.li_.JJLJa:__j_L...____________ ...ElLtkILl'f! lmntLA./l__________ __ Sht?rl f f or ('E'ptJty SliPrlfJ oJ -.--.-- -'--~-, '-"-- ----..-' C.UMBERLAND COUll':;', f'cnnn,lvanla, \o'ho be') nq duly ~i''''orn iH~~cordinq 1:0 law, '"'lye;, I_ha' he> ne>rv0d thf.' WI tlan _S:_~JtU::L_t\l1iJ._ ::.__MflRL FQ1i!~____________...___ \J po n __::> !!'J.y"E...2AtlD3 ___ li_Lf,_____ __________________________ ______________________ ___ t hi" defendant, at: _J_l,;)4?l.~.~'t f!~)UE~;:, fHi th.:> ~:~(2_!JJ tj~-ti' .::.f {..~~_E_~____........___~_,_.__~_____._. 192~ a t _~~;;__~r-.:__.._l.QH!L:,'2...,PH ISJ:. 1:1 EIJl^JU c ~J~_\J.R.9_'__J~!Ll:~_~2_~_______________..._______ ____ ___________ ____, ~W:W.E.1U,.AI:l.Q. __________, C QU n t y, Pf}fl nsy 1 v::) n i a. b i' h::] nd 1 ng t c,ILE.ff___ _~:;"^VYJ;,~, .._~~_~~hT..~.~_QJ!_~Qf._~___.____~__~_ Jl<J1ES._li.,__!?..'\_U V t;i_..._lB, _____________ .. --_.-._.__._,,_~_, ",~,___-'.,... ._________. _."_..m.,,__.,,..__.._. __.._...,.,~.. _ ___ ._. ..~......_~~._.___ ~._~.." u true> and att'?:Jt.;:,j CClpy of the' __:-:.O.!ir.Lt~pIT_ _~ J'l.Qf\.I._":C'_RF,________________________n. und ut the S;'JmfJ timE:' d~rf?ct1.nq ti.A.::? att':.~nt 10n ttt t~lC' CGntL'ot:::; thc~r€'cf. Shl.?rlif'~ Costs: Dock~?t i nq Servl.cp. . l\ffldav1t Sur-charg(l HI, (1l~ 7.8.1 . t;)0 2, (H~ :~: 2?r~~<:~ ... :. l''::'ff'.l::.: r, l : (lV, . fl'.'} 1 t: S~"1J'r i . IN ~ ~ .3 ~ ..'i'l -HO\o.'AEV LIGHT!1l\~'i LJt)/.?7/1:,lf::,~) ~ bi- ~. P ,A ":R, '-I--'['C------ ~._'I!'.Jt.:.'.-:llj.l... S'W'c1rn i\nd subscr l..b,:,':;1 t::_~ b',;'!CJ1-C' m~:) this _/~_~._n day G! ~ ! S< _9f..___ /t. ['. ___ (l, ~-q'-)!~r~2,. .~ r"!J"honl,.a.y ." .... ,\_.i. .,' ',''-',. "'-.'. , '., 'd' ':,. ~ ).~. t n t: ~.~ f.! j', ;',. tJ(d !!'~~IJq,_. [n~t._~~r\UY. :Jt,UVE lAnE; .,W .1E ET " . !~:':"_-~-" .L.HI ,L,_T f~ nAJlr:i!Wt;N. . ::-:hC'f jj' J Dli~p\J t,:1 ':~hFT'lf:f r';r c.t -' 1"UMD~:EI..t\H() Cl~\.lnt.y, Ferln;;,:yl'!.:1lij;l, ....hi.-' br,'l";q duly ':,"W(lrn dl:c','[ijlrVl ..0 l;lY1, ::"<::1)"8, th;;;t. lit:, :;I.'1"v",)'1 f_h..' 'oirtllll\ 1,~~~!t1P~l.ftJ.'lI_,_7.__[1r~\fiT..._F:.QIU::m_.. I) pf)n .."~~Jl.\LY.~__.-:~}.Q..lJLL_6.__... I: hf~ d,,:'.f'~fl.j.')n", :)f'. !,:?~:r!._~.l~(~ i1(.1UPS. I:ir, ~.tl':.' tb ,j,)'/ (,! L~.rl.-~ . _"_~'_'_,_' ._.,~. ._.._n__.__._~,~. 1 ']~~. ;J t _~;Fj2_, ~.I.:..._1QJJH-'..~~~.Jl!lJ_';E__. t!J~.cl:.t.1.\r.JJf:: ?pJ)rS!t_..Ll~:___t'ZY2~~._______.___._ _._. ,. _.,,_ . ':"UM!;];f.LA!HJ_.~.__ Cou rl t y. Pc.nflsy l',,'an1 at by hilnd 1 nq t ,~-' ,LEfJ:_, ~~,\I'}Y~L_._AIi_I".u..:.J_..~:9.tLJ;'U':,___.._~...__y_.. .... ) UJ;>.EILA~..J?A U 'l.L_________.________. ___ ___, _._______.._____~__. ;J tr\.Jt-. ;:Hld attp8t'2d copy of thF:' h':::-:.Qtt.f.l~..6j.NJ".::_.J19h.=__F.~).RE ;Jnd at. thp E3~t-? +.lrn~.l d:.rO-?ct.1.fJ:::) H..~_~.:.. ~}tt~'ntlnn 1,() t.h.:' t:Qnf:Qn-TG t.hI2f'(:!'(lt. Shpr 1 Lr. :,;. C02 t. 1.-:; : D0C:k""t ~ ng ::-:r:,'rv 1 Cf: Affid;:lVll Surcharge Sc' E..0f'l ,1'10 . ~'J0 2. ('HJ '-'7~~_~~ H. Th'::~';':'i' EI:r,,< -':,;'rlC:~ -~'~P.~--,~(ij" HOW^fUl L.i(~!fT~IIH: ~;,~, 12':- ..' l,?/r;-i":'i "f ~rf Sworn ,;lnd sub~~~r:rib,:>d T.t: ho:-t':-:-F :'"1;" l.hi.:'-.' _./J_tJ.- __ day 'C'l i.h--.-.~. .._ 19__%... A,l', ..~ ./A;r.?;~,~~ r f~f1i . NATIONAL PENN BANK, f/k/a NATIONAL BANK OF BOYERTOWN, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA vs. CIVIL ACTION - AT LAW MORTGAGE FORECLOSURE, NO. 95-3372 ~ i JAMES W. SAUVE, JR. and JUDITH A. SAUVE, his wife, Defendant PRAECIPB POR DBPAULT JUDGMENT TO THE PROTHONOTARY: Kindly enter judgment by default in favor of Plaintiff and against Defendant, JUDITH A. SAUVE, for failure to file an Answer or otherwise plead to the Complaint within twenty (20) days of service thereof and assess damages in accordance with the Complaint in the amount of $49,674.30. Attached hereto as Exhibit "A" is a copy of Plaintiff's written Notice of Intention to file this Praecipe for entry of Default Judgment, which I certify wa mailed by regular mail to the Defendant at his last known address n July 26, 1995, which is at least ten (10) days prior to the fil g of the Praecipe. FORRY, & FORRY, P.C. BY: HOWARD Attorne .D. Green Hi ls Co 0 te Center 100 Kach 1 Boulevard, Suite 200W Reading, PA 19607 (610) 777-5700 Attorneys for Plaintiff Date: August 8, 1995 NATIONAL PENN BANK, f/k/a NATIONAL BANK OF BOYERTOWN, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA vs. CIVIL ACTION - AT LAW MORTGAGE FORECLOSURE, NO. 95-3372 JAMES W. SAUVE, JR. and JUDITH A. SAUVE, his wife, Defendant APFIDAVIT OP NON-MILITARY SBRVICB HOWARD M. LIGHTMAN, ESQUIRE states that JUDITH A. SAUVE, the Defendant in the within action, is over eighteen years of age, her last known address is 282 St. John's Drive, Camp Hill, Pennsylvania 17011 and is not in the military or naval service of the United States of America, or otherwise within the provisions of the Soldiers and Sailors Civil Relief Act of 1940 and its amendments. I verify that the statements made in this Affidavit are true and correct. I understand that false statements herein are made subject to the penalties unsworn falsification to authorities. Section 4904, relating to FORRY, & FORRY, P.C. Date: August 8, 1995 'y, HOWARD IG Attorney .D. 3 ~ Green Hil s Corporate Center 100 Kache Boulevard, Suite 200W Reading, Pennsylvania 19607 (610) 777-5700 Attorneys for Plaintiff NATIONAL PENN BANK, f/k/a NATIONAL BANK OF BOYERTOWN, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA vs. CIVIL ACTION - AT LAW JAMES W. SAUVE, JR. and JUDITH A, SAUVE, his wife, Defendant MORTGAGE FORECLOSURE, NO. 95-3372 TO: Judith A. Sauve 282 St. John's Drive Camp Hill, PA 17011 You are hereby notified in accordance with pennsylvania Supreme Court Rule #236 and that judgment has been entered on a ( ) ( ) ( ) ( ) ( X ) ( ) ( ) ( ) Final Order * Decree Nisi* Verdict * Viewers Report Default Assessment of Damages Arbitration Award and entered to No. 19~ J.D. against Judith A. Sauve, Defendant, concerning Civil Suit No. 95-3372 in the sum of $49,674.30. **And that a Certificate has been filed indicating that each of the parties have been notified of the intention to file said judgment, by the Attorney for the Plaintiff. By: prothonotary , , ....II.II.~I,..(..'''..'. Ill" "'.'<1111 W ___LI"-I.. a . '. NATIONAL PENN BANK, f/k/a NATIONAL BANK OF BOYERTOWN, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA vs. CIVIL ACTION - AT LAW JAMES W. SAUVE, JR. and JUDITH A. SAUVE, his wife, Defendant MORTGAGE FORECLOSURE, NO. 95-3372 TO: Judith A. Sauve 282 St. John's Drive Camp Hill, PA 17011 You are in default because you have failed to take action required of you in this case. 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. LAWYER REFERRAL SERVICE COURT ADMINISTRATOR CUMBERLAND C UNTY COURTHOUSE Carlisle, PA 17013 Phone: 71 -240-6200 BY: ULLMAN & FORRY, P. C. , ESQUIRE 35482 Center 19607 Date: July 26, 1995 ~~r~ :r- 1-- F ~.' ~~\ """.::. ~ ~ ~ ~ ,... c., I " ....... I ~ --. \ w C> ':~';'i 0 .::..~;.,;o ~, f" ';m :c ~ 1.. ~:'.: r' " ~.:: .' :"";' .:;,. '_1- I ,- t' """' <:: ,.. - - - LO U'1 w' NATIONAL PENN BANK, f/k/a NATIONAL BANK OF BOYERTOWN, plaintiff vs. JAMES W. SAUVE, JR. and JUDITH A. SAUVE, his wife, Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - AT LAW MORTGAGE FORECLOSURE, NO. 95-3372 PRAECIPB FOR DBFAULT JUDGMENT TO THE PROTHONOTARY: Kindly enter judgment by default in favor of Plaintiff and against Defendant, JAMES W. SAUVE, JR., for failure to file an Answer or otherwise plead to the Complaint within twenty (20) days of service thereof and assess damages in accordance with the Complaint in the amount of $49,674.30. Attached hereto as Exhibit "A" is a copy of Plaintiff's written Notice of Intention to file this Praecipe for entry of Default Judgment, which I certify w s mailed by regular mail to the Defendant at his last known addres on July 26, 1995, which is at least ten (10) days prior to the fi ing of the Praecipe. Date: August 8, 1995 ,-;,',1, & FORRY, P.C. BY: '" L G Attorne I. . Green Hi ls Co rate Center 100 Kach 1 Boulevard, Suite 200W Reading, PA 19607 (610) 777-5700 Attorneys for Plaintiff r NATIONAL PENN BANK, f/k/a NATIONAL BANK OF BOYERTOWN, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA vs. CIVIL ACTION - AT LAW MORTGAGE FORECLOSURE, NO. 95-3372 JAMES W. SAUVE, JR. and JUDITH A. SAUVE, his wife, Defendant AFFIDAVIT OF NON-MILITARY SBRVICB HOWARD M. LIGHTMAN, ESQUIRE states that JAMES W. SAUVE, JR., the Defendant in the within action, is over eighteen years of age, his last known address is 282 St. John's Drive, Camp Hill, Pennsylvania 17011 and is not in the military or naval service of the United States of America, or otherwise within the provisions of the Soldiers and Sailors Civil Relief Act of 1940 and its amendments. I verify that the statements made in this Affidavit are true and correct. 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. FORRY, & FORRY, P.C. HOWARD M. Attorney Green Hil s Corpo te Center 100 Kachel Boulevard, Suite 200W Reading, Pennsylvania 19607 (610) 777-5700 Attorneys for Plaintiff Date: August 8, 1995 . NATIONAL PENN BANK, f/k/a NATIONAL BANK OF BOYERTOWN, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA vs. CIVIL ACTION - AT LAW JAMES W. SAUVE, JR. and JUDITH A. SAUVE, his wife, Defendant MORTGAGE FORECLOSURE, NO. 95-3372 TO: James W. Sauve, Jr. 282 St. John's Drive Camp Hill, PA 17011 You are hereby notified in accordance with Pennsylvania Supreme Court Rule #236 and that judgment has been entered on a ( ) ( ) ( ) ( ) ( X ) ( ) ( ) ( ) Final Order * Decree Nisi* Verdict * Viewers Report Default Assessment of Damages Arbitration Award and entered to No. 19~ J.D. against James W. Sauve, Jr. Defendant, concerning Civil Suit No. 95-3372 in the sum of $49,674.30. **And that a Certificate has been filed indicating that each of the parties have been notified of the intention to file said judgment, by the Attorney for the Plaintiff. By: Prothonotary ...' Exhibit A ..1.1jt,!..U..... 101:I,"'.... '0" "'."'ll> (,f} NATIONAL PENN BANK, f/k/a NATIONAL BANK OF BOYERTOWN, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA vs. CIVIL ACTION - AT LAW JAMES W. SAUVE, JR. and JUDITH A. SAUVE, his wife, Defendant MORTGAGE FORECLOSURE, NO. 95-3372 TO: James W. Sauve, Jr. 282 St. John's Drive Camp Hill, PA 17011 You are in default because you have failed to take action required of you in this case. Unless you act within TBH 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. LAWYER REFERRAL SERVICE COURT ADMINISTRATOR COMBERLAND COUNTY COURTHOUSE Carlisle, PA 17013 Phone: 717 240-6200 BY: ULLMAN & FORRY, P.C. IGHTMAN, ESQUIRE ey I . No. 35482 Hil ~ Corporate Center chel Boulevard Suite '2oow Reading, Pennsylvania 19607 (610) 777-5700 Attorneys for plaintiff July 26, 1995 Date: '" --J:::\, ~ ......' (;::) -> f"-) ~ ,u.,~ t """ F" ~ ' ~ r'-S1 ~ :::, ~.~ (' ~ "- ~ ~ \ ~ ( \ -- c:-.;; ."' (.,. o "'" - -- :-....') ~ - u:> CJ1 ~ - \