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HomeMy WebLinkAbout95-03546 'J- ~ j' ~ . '{ , '~ ~ J J ..., > i ~ . / ,- I ~ . F ~ /' .' -'j FBDBRMAN AND PHELAN BY' FRANK FEDERMAN, ESQUIRE Identification No. 12248 Suite 900 Two Penn Center Plaza philadelphia, PA 19102 /215\ 563-7000 MARINE MIDLAND BANK, N.A. 251 MAIN STREET BUFFAI.O, NEW YORK 14203 Plaintiff Attorney For Plaintiff , COURT OF COMMON PLEAS DIVISION : NO. ~;?' 35~t I/LJl~,., CUMBERLAND co~h vs. EDWARD L. DOOLAN KATHY A. DOOLAN 1888 RACHEL DRIVE CARLISLE, PA 17013 Defendant(s) This Is an attempt to collect a debt and any Information obtained will be used for that purpose. CIVIL ACTION/MORTGAGE FORECLOSURE NOTICB 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 objectiona to the claima set forth againat You. You are warned that if you fail to do so the case may proceed without you and a judgment maybe entered againat you by the court without further notice for any money claimed in the Complaint or for any other claim or relief requeated by the Plaintiff. You may 10a8 money or property or other righta important to you. YOU SHOULD TAKE TillS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPIIONE TilE OFFICB SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY COURT ADMINISTRATOR 4TII FLOOR CUMBERLAND COUNTY COURTIIOUSE CARLISLE, PA 17013 717-240-6200 1. Plaintiff is MARINE MIDLAND BANK, N.A. 251 MAIN STREET BUFFALO, NEW YORK 14203 2. The name(s) and last known address(es) of the Defendant(s) are EDWARD L. DOOLAN KATHY A. DOOLAN lBBB RACHEL DRIVE CARLISLE, PA 17013 who is/are the mortgagor(sl and real owner(s) of the property hereinafter descr bsd. 3. On 5/2/90 mortgagor(s) made, executed and delivered a mortgage upon the premises hereinafter described to MARGARETTEN , COMPANY, INC. which mortgage is rscorded in the Office of ths Recorder of CUMBERLAND County, in Mortgage Book 975 at pags 9B6. By Assignment of Mortgage dated 5/15/90 the mortgags was assignsd to Plaintiff, which Assignment is recorded in Assignmsnt of Mortgage Book No. 3B4 Page 29B. 4. The prsmises subject to said mortgage is described as attsched. 5. The mortgage is in default because monthly payments of principal and intereet upon eaid mortgage due 11/1/94 and each month thereafter are due and unpaid, and by the terms of said mortgage, upon failure of mortgagor to make such payments after a date specified by written notice sent to Mortgagor, the entire principal balanoe and all interest due thereon are collectible forthwith. A copy of such a notice is attached as Exhibit "A". 6. The following amounts are due on the mortgage I Principal balance Interest 10/1/94 through 611195 (Per Diem $14.34) Attorney's fees Cumulative Late Charges 5/2/90 TO 6/1/95 Cost of Suit and Title Search Subtotal $ 52356.01 $ 3485.62 $ 2617.00 $ 141.90 $ 550.00 $ 59150.53 $ 0.00 $ 275.41 $ 59425.94 because the Escrow Credit Deficit Total 7. This action does not corne under Act 6 of 1974 original mortgage amount exceeds $50,000.00. 8. The Temporary Stay as provided by the Homeowner's Emergency Mortgage Assistance Program, Act 91 of 1983, has terminated because Defendants have failed to meet with the Plaintiff or an authorized Credit counseling Agency in accordance with Plaintiff's written Notice to Defendants, a true and correct copy of which is attached hereto as Exhibit "B". WHEREFORE, Plaintiff demands Judgment against the Defendant(s) 1n the sum of $ 59425.94 together with interest from 6/1/95 at the rate of $14.34 per diem to the date of Judgment, and other costs and charges collectible under the mortgage and for the foreclosure and sale of the mortgaged property. J-~ :r~~ Isl Frank Federman FRANK FEDERMAN, ESQUIRE Attorney for Plaintiff Marine Midland Mortgage Corporation SUII. .\~1I1. null,llI. :0;." Yllr~ 1~~;II-.\~1I1 ~m January 13, 1995 Edward L Doolan 1008 Rachel Dr Carlisle PA 17013 Dear Edward L Doolanl Subject I Mortgiige Account Number 95709or..;4 . ~..--- ....- ---. ,.,..-.. . ---..--. NOTICE OF INTENTION TO FORECLOSE MORTGAGE The Mortgage held by Marine Midland Mortgage Corporation on your property located at 1888 Rachel Dr, North Middleton PA 17013 is in sedouB d,fault because you have not made the monthly paymenJ:..s ________ of $ 641,17 for the months of 11/1/94 - 01/01/95, Late charges and other charges have also accrued to this date in the amount of $ 67,30, The total amount now required to cure ____.___J:hia-Lie.fau.Lt.,_or..J.n-other.-.words ~- gGt_caught-up~u*-p&ym8nt.8 , as of the date of this letter is $ 1,990.81, You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying to us the above amount of $-1,990,81, plus any additional monthly payment and late charges which may fall due during this period, Such payment must be made either by cash, cashier's check, certified cl~ck or money order, and made payable Marine Midland Bank 251 Main Street - 5th Floor Buffalo, New York 14203 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 month y installments. EXHIBIT "A" AI""",, IlSDC Growp Marine Midland Mortgage Corponltion ~ SUitt' .\~1I1. Bullalu. \~'\\ Yllr~ 1"~itt..\~1I1 \ I January 13, 1995 Kathy A Doolan IBBB Rachel Dr Carlis~~ PA 17013 Dear Kathy A Doolant -- -- Subjecl:"r-Mortgage AccountNumber-~5709.t=4--------- NOTICE OF INTENTION TO FORECLOSE MORTGAGE The Mortgage held by Marine Midland Mortgage Corporation on your property located at 1BB8 Rachel Dr, North Middleton PA 17013 il in serioul dofault becaule you have not made the monthly payment I of $ 641.17 for the monthl of 11/01/94 - 01/01/95, _. Late charges and other charges have also accrued to this date in the amount of $ 67.30, The total amount now required to cure thlA dAhlia, nr..J..nJ).t.hAr wnma._geL-caugllt "l' nn~r p"ymvntll, as of the date of this letter is $ 1,990.81. You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying to us the above amount of $ 1,990,B1, plus any additional monthly payment and late charges which may fall due during this period, Such payment must be made either by cash, cashier's check, certified check or money ordo~, and made payable Marine Midland Bank 251 Main Street - 5th Floor BUffalo, New York 14203 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 inwediately and rou may lose the chance to pay off the original mortgage in month y installments, EXHIBIT "A" AI,mbt,1l5BC Group , Marine Midland Mortgage Corporation ~ ~Ull~' '~1I1. Bull.dll. 'l'\\ ... I"~ IJ~7tl.,\~nl Mortgage Account Number 957094-4 Page 2 .January 13, 1995 If full payment of the amount of default is not made within THIRTY (30) DAYS, we also intend to instruct our attorney's to start a lawsuit to foreclose Y9\1r mot"tljjaged property. If the mortgaljje_J.s~-. --_.~ foreclosed, your nlortgaged property will be sold by the sheriff (or other similar official) to payoff the mortgage debt, If you cure the default before we begin'legal proceedings against you, YdU_WIlr_stTll--\fi:iVS-TOpaytmn:easona151e-an.-orneitees even if they are over $50.UU. Any attorney fees will be added to whatever you owe us, which may also lnclude our reasonable costs. If you cure the default wlthin the thirty day period you will not be required to pay the attorney fees. -- We as lender may alao sue you personally for the unpaid principal balance and all other sums due under the mortgage. . If.--you-.ha_,,not cured the-default within the THIRTY.-(-301- DAY--period~ and foreclolure ~roceedings have begun, you stiil have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's (or other similar official) foreclosure sale, ._ Vnll mAY do ..n hy...{lA'l'J..n9 th<> totAl AmO"l't of the-unpaid l1'onthly payments plus any late or other charges then due, as well as the reasonable attorney fees and costs connected with the foreclosure sale and perform any other requirements under the mortgage. It is estimated that the earliest date that such a Sheriff's (or other similar official) Kale could be held would be approximately four to five months from the date of this letter. 11 notice of the date of the ::;herlff't! (0L similar offlcial) sale will be sent to you befui.d 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 toll free at (8001 338-6441 ext 7707. This payment must be cash, cashier's check, cert fied check or money order and made payable to us at the address sta""d above. You should realize that a Sheriff'S (or other similar official) 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 Gh~riff'l (or other similar official) sale, a lawsuit could be started to a~l~~ you, EXHIBIT "A" M,mhtr IlSBC GroMp Marine Midland Mortgage Corporation .'-.,. ""l nulf.ln. "'" "'''~ IJlllI..\llll \ ~ ~': Mortgage Account Number 957094-4 Page 3 .January 13, 199~ , , I Vou shall have tJhe right to assert in the forec lOBure proceedings the non-existence of II default or any other defense that you may have to acceleration or foreclosure. You have additiJnal rights to help protect your interest In the property. I _ .__ .-..--'" - 1 You have the right to sell the property, to obtain money to payoff the mortgage debt or to borrON money from another lendlng Instltutlon to payoff this ~ebt. Vou may have the right to sell or transfer th.. orn......tv. Ruh1ect to the mortgage, to a buyer, or transforee who will assume the morLgay~ ueoc, provided that all the outstanding' payments, charges and attorney fees and costs are paid prior to or at the sale, and other requirements undel the sale are satisfied. Please ~ontact us to determine under what circumstances this right might. exist. Yoo have the right to have this default cured by any third party acting on your behalf. I If fl..1~~ n~u;e the default, the mortgage will be restored to the same po .. If na-defaull-had-cCCllr..d Iicwav.B..l:t--YDII lOr" not-- entitled to this right to cure your default more than three times in any calendar year, .----------+ ---_._- -~.__.+ If you have any questions, please call me at (BOO) 338-6441 ext. 7707 or (716) 841-7707, Monday through Friday, 8100-4130 E \ \ 9-,Do~31 \ u~.?1 I incerely, r. B, M~fr (BOO) 33B-:-!i7 Mortgage Loan counselor ~ EXHIBIT "P.1l Mtmbtr HShC Group Marine Midland Mortgage Corporation Suitt ~~nl.llulral". "C" ""r~ l~l7ll..\~1I1 t m Jllnullry 13, 1995 Edwllrd L Doollln 18BB Rllchel Dr Carlisle PA 17013 Re roo-Mortgage A-ccount- Number 957094 -4- ------------. -"- Edwllrd L Doollln Kllthy A Doollln IBaa Rllchel Dr North Middleton PA 17013 ----- ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE ACT 91 NOTICE IMPORTANT I NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM PLEASE READ THIS NOTICE. YOU HAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS ... ---.- ------ The Commonwelllth of pennsylvllnill's Homeowner's Emergency Mortgage Assistance Program may be llble to help you, Relld the following __.Jlpt I "A tn .tinct nut how-Lh8-.program-woUS If you need more information call the pennsylvania Housing Finance Agency at l(BOO) 342-2397, La notificacion en ad junto es de suma importancia, pues afecta su derecho a continuar viviendo en su casa. Si no comprende el contenido de estb notificacion obtenga una traduccion immediatamente llamanda eeta agencia (pennsylvania Houeing Finance Agency) sin cargoe al numero mencionado arriba, puedes ser elegible para un preetamo por el programa llamado "Homeowner's Emergency Mortgage Assistance Program" el cual puede salvar su caSll de la perdida del derecho a redimir su hipoteca. . EVIl/h. '- l\i.'.~~11 "8't M,mhtr HSBC G,oup Marine Midland Mortgage Corporation 5"", ~~nl.lI"lf31". ~'" \'II'~ 1~17n..\~nl rID January 13, 1995 Kathy A Doolan 1000 Rachel Dr Carlisle PA 17013 .-.-.---------..- .~_...._- ReT-Mcirti;jagt!" A-ccount Nun\ber 95709'4-4'- Edward L Doolan Kathy A Doolan lOBO Rachel Dr North Middleton PA 17013 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE ....------ ----- The commonwealth of pennsylvania's Homeowner's Emergency Mortgage AU iBtance program may be able to help you, Read the following " .no.t:.1ce,j,O......f.1ncL out.-!lowJ..he-pr.o.gum-wo.rks If you need more information call the pennsylvania Housing Finance Agency at 1(000) 342-2397. La notificacion en ad junto es de suma importancia, pues afecte BU derecho a continuer viviendo en su casa. Si no comprende el conten1QO de eata notificacion obtenga una traduccion immediatamente 11amanda esta agencia (pennsylvania Housing Finance Agency) sin cargos a1 numero mencionado arriba, puedes Ber elegible para un prestamo por e1 programa 11amado "Homeowner's Eme!:gency Mortgage Assistance program" e1 cua1 puede salvar sU cas a de 1a perdida del derecho a redimir eu hipoteca, . ACT 91 NOTICE IMPORTANT I NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM PLEASE READ THIS NOTICE, YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAl<E FUTURE MORTGAGE PAYMENTS E"'-"" '-," "811 1\. ., .....l , M,mhtr IlSIIC Gr.up Marine Midland Mortgage Corporation SUllt .\~lIl.lIl1l1.llI. ~,~ \"r~ Ill~II.\llll ~ TOI Kathy A Doolan FROMI Mr, B. Marafino Page 2 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 auishnce If your default has been caused by circumstances beyond your control, you have a reasonable prospect of resuming your mortgage payments, aiid- If'yo-u -me-et. bther'e lI\libl1lly--reqiilremeilLii elitlOHiinea-bytlfe pennsy 1 van ia Houe i ng F'1nllnCR Agency. P I ease tOead all 0 f this Not ice. It contains an explanation uf 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, Durin\l that time you must arrange and attend a "face-to-fsce" meeting with a representative of this lender, or with a designated consumer credit counseling agency. The purpose of this meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency. This meeting must occur in lhe next thirty (30) days. If you attend a face-to-face meeting with this lender, or with a ______CJllUlllDlA r "rAdit.....counae ling_agency,-identifJ.ed- in-thia--notice-,-no further proceeding in mortgage foreclosure may take place for thirty (30) days after the dale uf this meetIng. The name, address and telephone number of our representative iSI . Marine Midland Mortgage corporation One Marille Midland Center - 13th Floor Buff6lu, Hew York 14203 Attentionl Mr. B. Marafino Telephone Humberl (716) 841-7707 The names and addresses of designated consumer credit coun._ling agencies are shown on the attached sheet, It is only neceuary to schedule one face-to-face meetIng. You should advi._ this lender immediately of your intentions. Your mortgage is in defAult because you hAve failed 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 $ 1,990,81. That sum includes the followingl Principal, interest and escrow (if applicable), unpaid late charges, insufficient check fees and partial payment balances on depo.it at the time of this notice, E'" . "B" 1\1 ... " I , ,II,m/", IlSlIC 1;",UP Marine Midland Mortgage Corporation SIIIl' .\1111.111111;,111, ...,,~ \ '''~ 1~1111..\1111 m 957094-4 J OBB Rachel Dr North Middleton PA 17013 Page 3 - --- ~"".'-'''''---- Your mortgage is also Tn de-(iuil t ,for the following reasons I Mr. laid off from work -- .------..--------- -----" 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 Assistance Application with one of the designated consumer credit counseling agencies listed on the attachment. An application for assistance may only be obtained from a consumer credit counseling agency. The con~umer credit couseling agency.will assist you in filling out.~you~application and will submit your completed-applicati()rr-=~- to the pennsylvania Housing Finance Agency, Your application must be filed or postmarked, within thirty (30) days of your face-to-face meeting. IT IS EXTREMELY IMPORTANT THA'r YOU fILE YOUR APPLICATION PROMPTLY. IF YOU DO NOT DO SO, OR IF YOU DO NOT FOLLOW TilE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE: M1\Y PROCEED AGAINST YOUR HOME IMMEDIATELY. Available funds for emergency mortgftge assistance are very limited. They will be disbursed by the Agency under Ll~ eligibllity criteria established by the Act. It is extremely important that your application is accurate and complete in every respect. The pennsylvania Housing Finance Agency has sixty (60) daye to make a decision after it receives your' application, During that additional time, no foreclosure proceedings 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. The Pennsylvania Housing finance Agency 1s located at 2101 North Front Street, Post Office Box B029, Harrisburg, pennsylvania! 17105. Telephone No, (717) 7BO-3BOO or 1 (BOO) 342-2397 (toll free number), Persons with impaired hearing can call 1(800) ~42-2397. E"" . I' . II 1\. ...., i 8 M,mbtr HSBC GrOllf' Marine Midland Mortgage Corporation SUlI< .\2111.11ulr.ln, ~.. \'''r~ IJ27t1.,\2t11 m 957094-4 JOIlO Ilechel Or North Middleton PA 17013 pege 4 . In eddition you mey receive another notice from this lender under Act 6 of 1974. That notice is called a "Notice of Intention to Foreclosure". you must resd both notices, alnce they both explain rights that you now have under Pennsylvania law. "Howeverj- if you choose to exerciBe~your rights describlRS'-- in this notice, you cannot be foreclosed upon whlle you are receiving that assistance. ~ ~(Y yoo'" ~,f~araf 0 (BOO) 338-64 Attachment --... .*. --~--- .~ e. V!.l. r~ .... IIB" i \1 ",.. I I . M,mhtr Hsac 0'011/I A.=:1.M C::::Q ~u..-::r II' Wt1"U, J""t r..:.., 'Uhh:/U., n. UUI :::.S1 ,. .un ru I IU", '''.:.ur .a..:.:.u_ ...,1" ,:u:....:."u.. 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" , .~.. I. .... _ ;. . ....... .. , . ,- ."" .' .,' , , " .,' .' , " . " ", . , , " " '. . , ...,.... , , , , .' I . .' .. . ., . , '. " I' . , , . . , . " ,.1,' , " .. . .,.. . .' ....t ,.~ 1'.01 ,'.. " i, I.... '. " , , >, . . , " , ' " " .. .', ~ . . , , ,.. , . " , , . " " , , .....t .. .. .' 't, .' . , . , " " , " , . . .,.rl""" I' \ t . .' ,'1. " '" , ., . , EXHIBIT "8" . , . .. " , " ,. " '\:, " J' " " .. .... n '. II'M rv.~ UlW ctracc C.IDC ... t......- \ ".,. I, ., . ICItIllULllo-llCONl11I\llOl . '.,,"": P \' , , T11\.I:NO. .-oU '.' " l....,.~. ALL 'rIlA' C&Jm.DI uaot of lan4 "lth Uop.-..u tIlenon ..-. Ilt..U Ln ..rth 1110141..... fownJh1P\ CUaborl.nd Countl'. " ..nu)'lY.IlU, bounded uul 4e..:rLbe4 al (01 owe, to viti autlO Lot Mo. 12 on the .1u d. Section 11' 01 MoU. KanOr .. lOCordod 1n tII. oUlc. of tho beard.. of 1lII<I. for CUlIborlllld COWlt.)' La ,lan lOOk 2f, .&u. 21, conta1ftlnt 10 'Ht alon9 tu I.,t along ~cbel oriv., contalning 125.00 ,.. along the Marth along Lot 110. U '1 ,bava aD ..1d '11111 cont&1DLD, 10 f..t alan, the ....t along laniH, bOW or tonedr, D' 11011 ManDl' 1-=t1on II and containing 125,00 ,..t alon; thl louth .\on9 Lot Mo. 11 OD ..14 >>lu. '.' . " ":.~l ',!f'~' : . ': .nII ,,' I " 1 . ,,' . .. ~~'7,' 1 "-.II' \.,',\ ,: ":..1 '.' ~'I ' I , ~_. .' IIIlV1JIG thlroon .....tod . dvolUnv k-.. and nWlborod .. un ..c1lo1 Dr1ve, Cad11l., PenuylvanLa, aoa.nC'l, nav.;t.hlhn, t.o the buUdln; and u.. natzletLoILI utility .....nu al reGorded vlt.k ..14 'laD. . PREMISES I 1888 RACHEL DRIVE CARLISLE, PA 17013 I. .~ . ~f1~ I .' . ~" t1'f~1V I'. ,,,.."-" "" .~.. .__,' ~ '0' ,., ....... ~&w~ ~fS709YY VERIFICATION JAMBS J. COAD hereby stateu that he is Foreclosure of Marine Midland Mortgage Corporation Manager mortgage ssrvioing agent for Plaintiff in this matter, that he is authorized to take this Verification, and that the statements made in the foregoing civil Action in Mortgage Foreclosure are true and correct to the best of.his knowledge, information and belief. The undersigned understands that this etatement is made subject to the penalties of 18 Pa. c.S., Sec. 4904 relating to uneworn falsification to aut~~ DATE I J./t -f)' JA -8,1. COAD fOl E.CLOSURE MANAGER. . ! 'lf~~ ~~"OgYJ 8J38P. ~ ~ ~Ol ~ ...", z ~I I "'~-~~ij"'''. ...,,, . ,"'''' , . ..._. ... _ t'~ llL~ _.~,., . , . ~1'IAlIlIc.W I~"AI a.u"'U1'OIll~~\~.-""''''''-"' o,nl '~I) , ~~ ~~ >-~ '" (...-1 ~~ = F-J ~. .J:.. ~ ~ ,., ~ \'\ -, ." = .'\ ' . 'J , . ILl t.rI ..~ .. ~ ; t ! -'d!~_ 11 " ji " . \>,:,,'\\-:i ;;,:ii!j_lj :j ;,iii' ,; 'I n ~ j'1 . l~. _" t h',l: t lir, ", 'i; ,] tdl fl\\JAf~~ 1, \' l:_;~il\ L nL"L tH~IVL .;. 111'! . ;'1 ,., ! 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