HomeMy WebLinkAbout95-04074
'IDIRHAM AHD PHlLAN
BY' FRANK VEDBRMAN, BSQUIRB
Identifioation No. 12248
Suite 900 Atto~n.y ro~ Plaintiff
'rwo Penn Center Plaza
Philadelphia, PA 19102
/215\ 663-7000
CITFBD MORTGAGB CORPORATION OF AMBRICA
ONB CITIZBNS FBDBRAL CBNTRE
DAYTON, OHIO 46402
Plaintiff COURT OF COMMON PLBAS
DIVISION
TERM
VS.
NO.
CUMBERLAND COUNTY
II r;:f /1 (, / /1 (i dlL( ,Jl L H'-
JBNNIFBR L. TROUTMAN
133 PARTRIDGE CIRCLB
CARLISLE, PA 17013
TODD C. ROWLAND
176 CHURCH ROAD
CARLISLE, PA 17013
Defendant(s)
CIVIL ACTION/MORTGAGB FORECLOSURE NOTICI
"Chis Is an Bllempt to collect
a debt and any Information
obtained will be used for that
purpose.
Y~u have been sued in Court. If you wish to defend against the
olaims set forth in the followin'!. pages, rou must take aotion
within twenty (20) days after th e Compla nt and Notioe are
se~ved, by entering a written appearance personally or by
attorney and filing in writing with the Court your defenses or
objeotions to the olaims eet forth against You. You are warned
that if you fail to do so the case may prooeed without you and a
jud'!.ment maybe entered against you by the court without further
not oe 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 LAWYBR AT ONCE. IF YOU DO NOT
HAVB A LAWYBR OR CANNOT AFFORD ONB, GO TO OR TBLEPHONE THB OFFICB
SBT FORTH BBLOW TO FIND OUT WHBRB YOU CAN GET LBGAL HBLP.
CUMBERLAND COUNTY
COURT ADMINISTRATOR
4TH FLOOR
CUMBBRLAND COUNTY COURTHOUSB
CARLISLB, PA 17013
717-240-6200
6. The following amount. a~e due on the mo~t9.9.1
p~inoipal balanoe
Inte~..t 2/1/95
th~ough 7/1/95
(Per Diem $8.04)
Attorney's foes
Cumulative Late Cha~gee
10/30/92 TO 7/1/95
Coet of Suit und Title Sea~oh
subtotal
$ 41618.17
$ 1352.02
l 800.00
150.88
$ 550.00
$ 44381.07
l 213.55
0.00
$ 44167.52
Beo~oW
C~edit
Deficit
7.
Total
The attorney'e fees set fo~th above a~e in oonformity with
the Mo~tgage doouments and Penneylvania Law, and will be
oolleoted in the evant of a third pat'ty purohaser at
She~iff's Sale. If the Mortgage is ~einAtated prior to the
Sale, reasonable attorney's tees will be oharged.
Notice of Intention to Foreclose has been sent to
Defendant(s) by Certified Mail, as raquiced by Aot 6 of
1974 of the commonwealth of Pennsylvania on the date(S\
forth in the true and oorrect oopy(sl of suoh notioe(s
attached hereto all Exhibit "A".
13.
set
Tho Temporary' Stay as provided by the Homeowner's Emergency
Mortgage Assistanoe Program, Act 91 of 1963, has terminated
because Defendant(sl have failed to meet with the Plaintiff
or an authorized Credit counseling Agency in accordanoe with
Plaintiff's written Notice to Defendants, a true and oorreot
oopy of whioh is attaohed hereto as Exhibit "B".
WHEREFORE, Plaintiff demands Judgment agAinst the Defendant(s)
in the Bum of $ 44167.52 together with interest from 7/1/95 at
the rate of $6.64 per diem to the date at Judgment, and other
oosts and charges collectible under the mortgage and for the
foreolosure and sale of the mortgag~d property.
;r;-,J- ;r~
/s/ Frank Fede~man
FRANK FEDERMAN, ESQUIRE
Attorney for Plaintiff
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CERTIFIED MAU. NO, I? 9;!:.1 197 57li & P 9~~ 197 577 / 1~Ii:'rUHN Rli:CEIPT RJ.;:QUESnm
NO'l'ICIi: Of INTEN'rION 'ro fORECLOSE
1)6"r Mortgagor,
'I'he mortgilge held by CltFuo Mort.gage corporation of North America (Citl!'ed)
hereJ.n W'l, <In YOlll:' lJL"op.!rty 10C.ltud at, 175 Church RO,ld Cal:'lisle PA 17013
is in SEIUOUS PEFAULT be(;auue you havo not made the mcnthly payment of
$]G5,77 for March 1., 1995 throu<Jh MIlY 1. 1995, If applicable
also liflt,'!d bel,)w i9 ilny monthly payment change and the months involved
and/or ilny oll'!I: !:tlolGeln tor t.hin not.te:o of intent ion to foreclose,
custome!r bnlache:d mOl't<ja'Je by 11<J11 pilymel1t, and then
brol<e rel?aYl1h'!nt plan..
Late charges (Gild other charg09) hilve al"o accrued ill tile amount of
$$30,44. 'I'll,,, total, amount now l:e'!quired to cure thil; detault, or in
other w'Jrdu, get caught up in your paymentu, GU of the date of this
letter is $ 1,127.75,
You may cure thin default within THIRTY (30) PAYS of th'l date of
this letter IJUl1e 05, 19951, by payln'l to us th.~ abov<1 amount of.
$ 1,127.75, plus any additional monthly payment<3 and lattl chsrges
which may fall due during this period. Such payment mUtlt be made in the
torm of c~rtiti~d checl<, caHhier~ check or money order, Dl1d made at
CITFEP MORTGAGE, ONE CITIZENS FEPERAL CENTRE, PATTON, OH 4540:1 to the
attention of Robin L, Owens
If. you.do not cure thls default within THIRTY (30) PAYS, we intend to
exercise our right to accelerate th.'! mortgage payments. This moans
whatever is owil1g on the origil1al amount borrowod will be: considered
due immediat'11y and you may 10'3''! tlw chance to pay e1ft' th'l original
mortgage in month1.y inutallmentn, If full payment of tin, amount of
det,~ult iG not madC! within THIRTY (30) PAYS, we alGo lntC!nd to start
a lawsuit to foreclo';'l on your II10rtgaged property.
If tbe mortgc.ge 1S foreclouod, YOU1' mtlrtgaged prop'>l'ty wi.ll be sold by
the Sheriff to payoff the mortgage debt, If you cure the default before
we begin legal proceeding(; ago1illflt you, you will nt. i 1.!. have to pay the
reasonable attorney' (; f.een actually incurred, up to $'00.00. However, if
legal proceedings are ntarted againnt you, you wi!.l have to pay the
reasonable attorne:y's foeu even i.f thoy are over $~O.OO. Any attorney's
fees will b.] added t,] whiltJ:v<n y,)U owo un, which milY .1!.llO include the
attorn~y's n',lOol1abl" ':Olltn, If you con~ thln dnf,l\ilt wlthln the thirty
Oil. CII/WI.. f'dm,/ C.IlIr. . n''Ytnll, Ohl" 4540] . 5/J,U9,7liliO
. A W/wllyOwn,dSuh"dwy ..[Of 1m" F,dtruJ &ml FS n .
EXH\B\T "~l
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. . CITFEI)
..."MORTGACiE
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d,)y p,nl.ud, y')U wIll 1I1l1: bll rO'lui/:l'd t,) PdY th,., dU.<lI:n"y'll f'lc!IJ,
YOU IIAVE '1'IIE RIGH'r '1'0 REINS'I'A'I'E AF'I'ER AcCEt,ERA'l'ION AND 'I'IIE RIGHT '1'0
AfISER'r IN 'l'HE FORECLOSURE PROCEEDING '1'1I1!: NON-EXIiJ'rl!lNCE OF A DI't1FAUL'1' OR
ANY O'l'Hl!lR DEL'ENSE YOU MAY HAVE '1'0 AcCEt,I!:RA'rION AND FORECLOaUl{E.
w,) may alIJo UUIJ you perl3e1/lo111y IoJr th'J ullpaid pri.llcipill balance olnd all
other LlUl11tJ duo ul1det. tllr, I1IOI:t'.I,1'1". ll' Y"" hilv'j not cured th," default
within th," thiL'ty day ped.od alld I'OI.'",:l'JU'lr,.' In')C'~e~d 1.n'JtJ IIiIVll begun, you
atill have tho )'ight to cure th" detollllt .lnd p':e!V"IlI.: tll" uale at olny
till10 up to one hour bol'o)'", the SIJ<)ritl"tJ l'ol.'l~cloGurlJ 13"1,,,. You may do
so by paying the total due, aa wr,ll au th" re,l/Iollilble o1!:tC)rnl~Y' B faes
and costtJ incul.'n~d in conn<lction with the l'o)'(JclorJllre 130110 (and pllrform
any other requirel1l'HlI;u under the 1I101.t\I'I\/e). It ill estil1lated the
earliest date that such a Shedl'l"s Bale could bo hc~ld would be
approximate.ly "ix (6) month" h.'ol1l the dilte of tlli" l,~ttor. ^ IltJtice of
the date 01' sheriff'tl uale will be sel1t to you bel'tJre the "ille, ot
course, the amount l1e"ded to cure the default will increase the longe):"
you wait. You may tind out at olny time exactly what the required
payment will b<l by calling us at the followi.ng numbe"r, 513-449-7001
or toll free at 1-800-111-4502. Thi" PilYl1lent I1IUD!: b~ ill the form of
cashier's chock, certified check OJ: money order and Illade pay,~ble to us
at the address stated above,
You should realize that a Sherifl"s sale will end your ownership of the
mo):"tgaged property and your right to remain in it, If you continue to
live in the property aftor the Sheriff's sale, a law suit could be
started to evict you,
You have additional rights to help protect your interest in the property,
YOU HAVE 'rHE RIGHT TO SELL THE PROPER'rY TO OB'rAIN MONEY TO PAY OFF THE
MORTGAGE DEBT, OR 'r0 BORRQW HONEY PROM ANO'rHER LENDING INSTITUTION TO
PAY OFF THIS DEB'r (YOU MAY HAVE THE RIGH'r 'r0 SELL OR 'rRANSFER THE
THE PROPER'I'Y SUBJECT '1'0 'rilE MOR'rGAGE TO A BUYER OR TRANSFEREE WHO
WILL ASSUME THE MORTGAGE DEBT, PROVIDING 'rHAT ALL THE OU'rSTANDING
PAYMENTS, CHARGES, AND AT'rORNEY'S FEES AND COSTS ARE PAID PRIOR TO
OR AT THE SALE AND THA'r THE O'rIlER REQUIREMENTS UNDER TilE MORTGAGE
ARE SATISFT.ED.) CONTACT US 'rO DETERMINE UNDER WIIA'r CIRCUMS'rANCES
THIS HIGH'r EXIS'r. YOU HAVE THE RIGHT 'rO I~VE TIIIS OEFAULT CURED
BY ANY 'rHIRD PARTY ACTING ON YOUR BEHALF.
If you cure this defilult, the mortgage will be reD tared to the same
position as if no default had occurred. However, you are not entitled
to this right to cure your default more than thr<le (3) times in any
calender year.
9incerely, / J
'f~ L I~Lt<-,,-~
I
I Anita Holbrook Dayton, (513) 449-7036
Assistant Vice Pres idont Toll FnJo, 1- BOO 444 - 4 562
Collect ion Dep~~~Trp::;" federal C.ntro' . D,l)Itoll, Ohio 4J40] . JIJ-U9.7000
. A WhollyOwMJSwb,/JI'lf)I,'fClllmll f.J"ol nO"1<. fSn. .
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EXHIB,IT "A"
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CITFEIJ .
I'. MONTGAGE
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('ll'p.III",III""d'/II'O/l.'''"
ACT '11 NO'I'H:m
'l'AKE: Ac'rION '1'0 flAVh~ YOUll IIOMI> FllCM l'OnmCLOIlURIr.
TilE \:OM~I\)NWI':ALTII 01" PI':NN:iYI.vAN lA' IJ 1I0MEOWNER' 13 r.M~R()~;NCY MOll'I'OAQIE
fiSt; Hi'I'flNCI': PHOGRflM MAY Ill': All I,)'; TO IIEI,I' YOII. IlEAD TilE FO[,l,OWtNO
NOTICE 'I'll FIND OUT 1I0W TilE PlllllWflM WOHJ\:J,
IF YOU NEED MOHE INFOHMfI'I'lON Cfll.l, Tim PI,NNsvr,vANIA IIOIlI3INO l'INANCr,:
flGENCY fiT 1(nOU)342'23~1,
l"fI NOTIl"lCAClON EN fllJ,JUN'l'O E:J DE SUMfI lMPOH'l'ANCIA PUEG AFEC'l'A SU
DEHECHO fI CONTINUflH VI'IIENDO EN SU CMA, Sl NO COMI'RENOE EL
CONTENroo DE E,STA NOTIFICflCION OIJ'I'IWGfI UNA TRflOtlCCION IMMIWIATI\JI1ENT~
LLAMANPA ESTA AGENCIfI (PENNSYLVANlA 1I0UGING FINANCE AGENCY) SIN CAHGOS
AL NUMERO MENCIONAPO AR/UGA. PUEPI,:S til,:H ELEG IIlLE PflRA UN l'HESTAMO POR
El" PHOGRflMA LLflMfllJO "1I0MEOWNEI,' G EMEHGENCY MORTUAUI.: MJSlI3TANr:E PHOGR1\M"
EL CUflL l'UEDE SflLVAH au CAS A DE LfI PEHOIDA DEl. OEHECHO A HEOIMIH SU
HIPO'I'ECA.
ACT 91 NOTICE
IMl'OHTANT I NOT ICE of IlOMEOWNERS' EMERGENCY MORTGAGE ASS I STANCE
PHOGRI\JI1
PLEASE R~~AO THIS NOTICI"
YOU MAY BE ELIGIBILE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR
HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
PATE I May 03, 1995
REI Account No, I 746961-4
TO I Jenni fer L Troutman
Todd C Rowland
175 Church Road
Ca~lisle PI'. 17013
FROM, Robin L, Owens
You may be eligible fo~ financial assistance that will prevent
foreclosure 011 your mo~tgage if you comply with the provisions of
the Ilomeown,~~s' Eme~g~ncy Mo~t'Jagf! flauistance Act of 1983 (the "Act"),
You may be eligible for eme~gency tempora~y assistance if your default
has been caused by circumstances beyond your control, you have a
reasonable p~ospect of ~eBumil1g your mortgilge payments, and if you
meet other eligibility requirf!n~lIttl established by the Pennsylvania
Housing Finance Agftncy, Please read all of this Notice. It contains
an explanation of your ~ights,
EXHIBIT "B"
One CitIZens I-'ede",( e'en",. . /J"y/,,", Of"" 45401 . 5( j-449,7000
. A WlwUy OWth'J S/lhlldll'ry ,,{Cllluns "','II,ra( Rdltk. ,.~ S fl, .
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UnJe!!.. th'l A..: I; , Yl1lJ ,lr0.9 "ntiti'ld ~o n I;tJ/IIjJ0r,uy tit,1Y of fOI'Q(:lolJure on
YOllt. lII<.lrt~,l(JII ten' thirty (30) daya fro/ll thu datu ot t;hia N<.ltice.
Pllrin9 th,n. !:i/llli you lII11n!: ,:\ITangll and ,1l:tlJnd ~ "fncu-to-t,lC<l" /IIl!lltltlg
with iI t":pr,n.o'llll'.;I!: iv" ot thiu l'Hld'Il', 01: with 01 d<lsignilt0.9d COtliJUlIIllr
credi t CIJIII1Ilt! ling ag<3ncy. Thl! purpose of thill 11I,.1<ltl.ng is to atte/llpt 1'.0
work out a ropaYIIWl1t plan, or to oth<lrwiuu Ul!ttle your delinquency,
This meeting omst occur in the next thirty (]O) days,
If you al:t'lI1d d f.1C(l-tO-(ilC0.9 1II0.9"til:'J With tlllll l"ndor, or with a
consumer cro'!dit COllns,~lin~J agl!ncy idelltif ilJd I.n thin notice, no fUJ:ther
proceeding in III'H~t9ilg'l tell."~cloullre lIIay t,]klJ pLlCofI 1'01: thil:ty (30) days
after the date ot this m'Jetil1g. Tho naill", addl:erill and tlllephon0.9 number
of our repro'!l30.9ntative iSI
Robin L, OW0.9n:3, One CitizlHlIJ rederul C,mtre, IJnytol1, 011 0150102,
Telephone NUlllbllnJ, 15131 H9-703G or toll ft..~., l-ROG 0101'\-450;) Ext, 703r;
The names and addrllss'~s of designated COn/3I1Itl(H' cl'cdit counseling
agencies llre shown on th.) attached sheet, It is only necessary to
schedul~ one face-to-face meeting, You should advise this lender
immediately at your intentions.
Your mortgage is in default because you havo failed to pay promptly
installments of principal and interest, as requil'ed, for a period of at
least sixty (60) days, The total alllount of the delinquency is
$ 1,127,75, Which includes the followingr Three monthly payments at $365,
$30,44 in late fees,
Your mortgage is alsl? in default for tho folLowing ro.1sons r
Placed loan on repayn1lmt plan, Second payment of plan due on
April 3.0, 1995, and has not b0.gen recieved, Breach of contract
with non paymel1t.
If you have tried and arll unable to r'~llolvl' thi:; pr()bl'~m at or after
your face-to-f,]c,~ me8ting, you have th" ri9ht: to apply fOt" financial
assistance trom the Homeowllero' Eml!rg"n~y Mortgage flsnistance rUl1d,
In order to do this, you I11U:.Jt fill Ollt, 1l1'.JlI ,1tJ(j I'1l" .1 cOl11plotlld
Homeownel:S' Emlll"'J,oncy !',:].'!ill".oltJC', Appllc.1I".ioJl1 ~Ill:!; CltJ', u( th" deSIgnated
consumG1.' l'.:redit COIJtHif~l i.n~! ~l(J(H1Cit1u 1 int:l'ld Oil l:h,~ dLt.lchml~nt, An
application fOI: ;:lIJOil;t,lnc'~ may ollly be obt;lI.lJf!d Irl)111 il COIH.HlIn.,r. cr,~dit
Counseling agon~y. Tho'J COnSIII11(lt- cnldlt COUIl",'l ill" ,1~JtlIlCY will assist
you in filling alii: your apl'lle,1tion Mid will IJllbmll. your completed
application to the Pennoylvolniil Housing rinanee Agency, Your
application must be filed or postmarked, withill tlllrty (30) days of
your face-to-face meetiw/.
It is extrllltlely importolnt t.h,lI: you file your apl'l i';,ltion pr.omptly,
If you do not do so, or if you do not follow the OUlllt' til11e periods
set torth in this .lett",.:r.J, (orecloJJuro(JIl;Iy.,o.ro(J'eed 9aQainst your hOm!)(HIBIT liB"
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EXHIBIT "B"
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6. Th_ following amountll are due on th_ mortgAge'
PrinoipAl bALAnce $ 41618.17
Inteullt 211/95
through 7/1/95 $ 1352.02
(Per Diem $8.841
At torner II feell $ 800.00
Cumulat ve Late Char,ell $ 60.88
10/30/92 TO 7/1 95
Cost of Suit and Title Search $ 550.00
Subtotal $ 44381.07
Escrow
Credit $ 213.55
Deficit $ 0.00
Total $ 44167.52
7. The attorney's fees set forth above Are in oonformity with
the MortgAge doouments and Pennsylvania Law, and will be
oollected in the event of a third party purohaser at
Sheriff's Sale. If the Mortgage is reinstated prior to the
Sale, reasonable attorney's fees will be charged.
8. Notice of Intention to Foreclose has been sent to
Defendant(B) by certified Mail, as required by Act 6 of
1974 of the commonwealth of Pennsylvania on the date(s) set
forth in the true and correct copy(sl of such notioe(s)
attached hereto as Exhibit "A",
9.
The Temporary Stay as provided by the Homeowner's Emergency
Mortgage Assistance Program, Act 91 of 1983, has terminated
because Defendant(s) have failed to meet with the plaintiff
or an authori2ed Credit counseling Agency in accordanoe with
Plaintiff'. written Notice to Defendants, a true and correot
copy of which is attaohed hereto as Exhibit "B".
WHBREFORE, Plaintiff demande Judgment against the Defendant(s)
in the sum of $ 44167.52 together with interest from 7/1/95 at
the rate of $8.84 per diem to the date of Judgment, and other
oosts and charges collectible under the mortgage and for the
foreclosure snd sale of the mortgaged property.
/s/ Frank Federm~n
FRANK FEDERMAN, BSQUIRE
Attorney for Plaintiff
~'"
(. 'ITFED
.ltla~ AlOU rUA U E
("Jlfl1~:,~I~!~" ~)(., III,I/I'lt':' r- r '
f~\II!,(m.., f/f;".l/I/.'I ,t-/'I I 11.",
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C,nll'll'i PA II/HI
R>ll Lc.11l N,). 7o\fJ~'i'I.',1
175 Chul'.;11 I~a,~d
C~rtisl~ ~^ 17013
C8RTInl:;O MAIL NO, I? 922 197 576 &. I? 922 197 !J'771 I~E'rURN RECliltl?T RIEQUESTli:D
NO'l'ICll: OF INTENTION TO 1!'0RIIlCl.OSl!:
Pear Mot'tgagor I
The mortgage held by CitFed Mort9nge Corporation of North America (Citred)
herein we, on your property located atl 175 Church Rcad Carl~sle I?A 17013
is in SERIOUS OEFAUl.T ber.auSEl you havCl not made th~ monthly payment of
$365.77 for March 1, 1995 through May 1, 1995, If applicable
also listed below is any monthly payment change and the months involved
and/or any oher reason for this notice ot intention to foreclosel
Customer br'i8ched mOI-tgage by non payment, and th~n
brok~ r'ipayment plan..
Late charges (and other charges) have also accrued in the amount of
$$30,41, The total amount now required to cure thiD default, or in
other words, get caught up in your payments, as of the date of this
letter is $ 1,127.75,
You may cure this default within THIR'l'Y (30) DAYS ot th,e date of
this letter (June 05, 19951, by paying to us the above amount of
$ 1,127,75, plllS any additional monthly payments and late charges
which may fall due during this period. Such payment must be made in the
form of certified check, cashiers check or money order, and made at
CITFED MORTGAGE, ONE CITIZENS FEDERAL CENTRE, DATTON, OR 45402 to the
attention of Robin L, Owena
If you'do not cure this default within THIRTY (30) DAYS, we intend to
exercise our right to accelerate the mortgage payments. This means
whatever is owing on the original amount borrowed will be considered
due imm,~diately and YOII may 10Se~ the chance to poly aU the original
mortgage in monthly lnstallments. If full payment of th~ amount of
detault is not made within THIRTY (30) DAYS, we also intend to start
a lawsuit to toreclose on your mortgaged property.
If the mortgage is fore~losed, your mortgaged property will be sold by
the Sheriff to payoff the mortgage debt. If you cure the default betore
we 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 the
reasonable attorney's feeD even if they are over $50.00. Any attorney's
fees will be added to whatever you owe us, which may also include the
attorney's reasonable costs, If you cure thin def~ult within the thirty
One Cltlum F_d"r<11 Centre' Dayton, Ohio 45401 . jJJ.U9-7000
. If Wholly Own,of Sobsidimy ole/ru,,,, r,dtrlM &w. FS 8 .
EXHIB\T II~I
.AT "\
CITFED
MIIIJ,MORTG..tGE
C),)'f,'"""rt")/It1/!.i1I(I~'~II.".l') ') :;, .. ,
l~III'lJr.",' J(J'''~I~lIrr~h't " ll',III.I1I,11l
'l'."ld C F ;'l/l.\lId
doli' po-!t'iod, Y']\l will nllt b,~ r')'l'Jin..i to polY thJ.l ill:to~n"yo tl C,~O'jtl,
YOU ItAVE TilE RIGH'l' 'fO RIi:INtlTA'rE AFTIi:R ACCELERATION Atm THE RIGHT TO
AStlER'f IN THE FORECLOSURE PROCEEDING 'L'IIE NON-EXIS'l'ENCl!: OF A DEFAULT OR
ANY O'rHER PEFENfll!: YOU MAY HAVE '1'0 ACCELERA'rION AND FORECl,OtlURE,
WOol may alae sue you p,~t'aenaJ,ly tot' th,~ unpaid pr"incipal palancli! and all
other. tlUIIHl dUll undo). th" IlIort'l'I'je. If YOII hav>! not curo:,j th,; detrlult
within the thirty dilY p.!rloo! alld f'Jr,!e:l,Jullr.! p~oc'1edin'JG ha'I') bli!gun, you
atill hil'I'! the! rl'Jht to l:ure th'! default and Pl:,;v,;nt. th,~ tlille at any
timtl up t.J on'~ hQur beto~e the Sh,!t'iU'a fot',!clcJGur'! G'11,-). 'tau may do
so by paylng the totul due, AG w<!ll as the r"la';<Jnable attot'I1l'lY'S f<!es
and Costl; incurred i.n connection wrth the for.!.:10u1lt'C .1<:ll.J (alld perfol.'m
any <Jther requit.ementa uncler thJ.l mort~dge). It iu eGt rl1loltl~d th"
t.!arliel3t date that .,\Jcll a sheriff's Gille c.Juld b.~ hello! w'JlIld be
approxil1ldtely six (6) l1Ionthu frol1l the date of this lJ.lttJ.ll, A notice of
the date of slledff'tl 130310 will be slmt to you before the sale, Of
course, tho: amount needed to cure the default will inct'ease the longer
you w,}.~~. Y'JU may fInd out at any tim., o.::<actly what the required
payment will b<l by calling us at" the followtng numb,n", 513-H'3-7001
or toll fr'~'" at 1-800-H4-45fl2. This payment Il\Ul3t b,~ in the form of
cashier's check, certified check or. money order al1d 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 Shel.'iff's sale, a law Buit could be
started to evict you.
'tau 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 PEBT, OR TO BORROW MONEY PROM ANOTHER LENDING INSTITUTION TO
PAY OFF THIS PEBT (YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE
THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO
WILL ASSUME THE MORTGAGE DEBT, PROVIDING THAT ALL THE OUTSTANDING
PAYMENTS, CHARGES, AND ATTORNEY'S FEES Aln1 COSTS ARE PAIP PRIOR TO
OR AT THE SALE AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE
ARE SATISFIED.) CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES
THIS MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS PEFAULT CURED
BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
If you cure this default, the mortgage will be restored to the Bame
position as if no detault had occurred. However, you at'e not entitled
to this right to cure your default mot'e than three (3) times in any
calender year.
9incerely, / ,/
r-<--:< L / J..,l-t-<-~<-,
i
I
Anita Holbrook Payton I (513) 449-7036
Alils istant Vice I?rel, ident Toll Free I 1-600 444 - 4 562
collection Pepart~nt
an. C/II:tIU F..ura/ CtI11,. . DlJ)'Iall, Ohia 45401 . 5/J-449-7000
. II Wholly O",",dS,b,IJIdry nfCI"wlI F.ol"o' 00"k. F.S O. .
Ext. 7036
E){H\B\l"~1
",>
,dT ''\
CITFED '
111. !vfORTGAGE
C,JrfJflrO'/'J11 oJ/,,'m.Jr/,'"
,'.ltIJ,"',II,' "l'"d'/'I.JtltlrJ
M:'l' H NO'l'ICI!:
'rAKE ACTION TO I.lAVIi: YOUR nOME FROM 1"OIII!:CLOlJURl!l
THE COMMONWl':ALTH OF PJ;:NNSYt'vANIA' t:l II()M~~OWNEI~' S ItMIi:ROIl:NCY MORTGAOIl:
ASSISTANCE 1?/?OGl<AM MAY I~E AI3LE '1'0 HIELP Yt)U. R~~AD TIlE: fOLLOWING
NOTreE TO F r.ND OUT HOW TilE Pi<OtlllfIM WORI<S,
I r, YOU Nlum MORE INr,OI,MfI'l'ION Cfll.l. THE PENNSYLVANIA HOtlS ING nNANCE
AGJ;:NCY AT 1(800)]42-2311.
LA NOT I nCAC ION EN AD.JUNTO ES DE StlMA IMPORTANCIA PUES Ar,EC'l'A sU
DERECHO fI CON'l'INUAR VIVIr::NDO EN st] CASfI. SI NO COMPRENDE EL
CONTENIDO DE ESTA NOTlnCflCION 013'l'8NGfI UNA TRADllCCION IMMEDIATflMl::NTE
LLAMANDA ES'l'A AGENCIA (PENNSYLVANIA HOUSING l"INANCE: AGJ;:NCY) SIN CARGOS
AL NUNERO MENCIONADO AHHlEfI. PUEDES SI::H ELEGInLE PAllA UN PHEST/\MO POR
EL Pi<OGRAMA I,LAMI\DO "HOMEOWNER'S EMEHGENCY MOll'l'GAGE ASS I STANCE PROGRAM"
EL CUAL PUl':DE SALVAR Sll CAS A DE LA PERDIDA DEL DERECHO A REDIMIR SU
HI POTEC/\.
ACT 91 NOTICE
IMPOR'l'ANTt NOTICE Or, HOMEOWNERS' EMERGENCY MORTOl'l.GE ASSISTANCE
PROGRAM
PLEASE READ THIS NOTICE.
YOU MAY BE ELIOIBILE r,OR r,INANCIAL ASSISTANCE WHICH CAN SAVE YOUR
HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
DATEl May 03, 1995
REt Account No. t 748961-4
TOt Jennifer L Troutman
Todd C Rowland
17'.5 Church Road
Carlisle PA 17013
FROMl Robin L. Owens
You may be eligible tor financial aesistance that will prevent
foreclosure on your mortgage if you comply with the provisions of
the Hom<:!owners' Emerg<:!ncy Mortgage Aosistance Act at 1983 (the "Act"),
You may be ellgible for emergency temporary assistance if your default
has been caused by circumstances beyond your control, you have a
reasonable prospect of resuming YOUI' mortgage payments, and if you
meet other eligLbLlity requLrements established by the Pennsylvania
Housing Finance Agency, Please read all of thLs Notice. It contains
an explanation of your rights.
EXHIBIT "B'I
On. Cilium Fori_ra' C_nlr_ . Day/on, 01"0 45402 . 51),449-7000
. A IVhollyOwn," Suh,ld;of}'o[C,IImlS f,d.,o' Oan~ F S.O. .
.,,7 "
L'ITFE/J
II. /\trORTG..tGE
C'tlt)lrJt,lIltll/ ,'/I''','''''e.,/
('drl'I/t,I( ,! 1(,.',/.1'1,,,'1("11
[}d'jt~ .1
f)at:.'~: ~!.li' Ill, l.J~!;
Nill11'1l ,J'Inni.e'JI: [. Troutman
'l";dd C Howland
Ul1dtH til'J ,\o;t, y'JU arlS lilnt~tl"d to II tlSmpQr'lry /JtllY of forer:lolJure on
your mortgage for thirty (30) dllya from thIS dat8 of thia Notice.
During that time you muot arrange and att~nd a "tace-to-face" me~ting
with . repres~ntative of thi~ 1lSnder, or with a designated consumer
credit: coun"eling agency, TIlOil purpose ot: this mt3eting 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 ycu utt'lnd a face-to-face meeting with this lender, or with a
consumer credit counseling ag'lncy identified in this notice, no further
proceeding in mortgaga foreclosure may take place for thirty (30) days
after the date cf thls meeting, The nal11'1, addre~s and telephone number
at our representative iSI
Robin L. Owens, One Citi~ens Federal Centre, Dayton, OH 45402,
Toillephcne NUlnberol (SUI 449-70:;6 or toll freJoi! 1-80G 44>1-4562 Ext, 7036
The names and addresses ot designated consumer credit counseling
agencies are shown on the attached sheet, It is only necessary to
schedule one tace-to-tace mOileting, You should advise this lender
immediatOilly at your intentions,
Your mortgage is in default bOilcause you have failed to pay promptly
installments at principal and interest, as required, for a period of at
least sixty (60) days, The total amount of the delinquency is
$ 1,127,75, Which includes the tollowingl Three monthly payments at $365,
$30,44 in late fees,
Your mortgage is also in default for the following reasonSl
Placed loan on repayment plan, Second paymOilnt of plan due on
April ~O, 1995, and has not beOiln recieved, Breach of contract
with non payment,
IE 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 tinancial
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 w~th one of the designated
consumer credit counselino aaencies listed on the attachment, An
application for assistanc; m~y only be obtained from a consumer credit
counseling agency. The consumer credit counseling agency will assist
you in tilling out your application and will submit your completed
application to the Pennsylvania Housing Finance Agency, Your
application must be filed or postmarked, within thirty (30) days of
your tace-to-face meeting,
It is extremely important that you file your application promptly.
If you do not do 60, or if you do not tallow the other time periOds
set torth in this 1 et tt'U' J foreclO;3ure J11sy.sc.roceen9a<1ai nst your hOIll!VHIBIT "B"
Onl! Cill:ens "-'!af!ra7 Ct!ntrt . VrryMn, UhlO './ .fU] . ji I J..44 .7Qu(T I:":^
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EXHIBIT "8"
CI'l't'l'lD MOH'l'OAGI': COllP01Wl'ION
O/l' TlMl'lHICA,
Plaintiff
IN '1'J111 COUH'I' Of' COMMON PLllAS Ot'
CUMlIEHLAND COUN'I'Y, PllNNB'iLVANIA
V,
CIVIL AC'I'ION - LAW
Jl'lNNIFllH L. 'l'HOU'l'MAN and
TODD C. HOWLAND,
Defendanta
NO. 95-4074 CIVIL Tl'lRM
AND NOW, this
QIillI':H OF COUID
I'jtt, day 0 f Novembe I." ,
1995, upon oonsideration
of Plaintitf's Motion and the Attidavit at Reasonable Invostigation
attaohed the~eto, it ia hereby OHDERllD that Plaintltt may obtain
servioe at the Complaint on the abovo oaptioned Defendant, Todd C.
ROWland, by mailing a t~ue and oo~~e(lt oopy of the Complaint by
certified mail and ~egular. m6il, by poating at the prem.lsea 175
Churoh Road, Carliale, PA 17013, by the She~ift, and by publication
once in a ncwspape~ of gencral oirculation in Cumberland County and
once in the Cumberland Law Journal, said publioation to be in
accordance with Pa. R.C.P. 430(b)(i) and C.C.R.P. 1009-1.
Servioe of the aforementioned mailings is effeotive upon the
date of mailing and is to be done by Plaintift's attorney, who will
file with the P~othonota~Y'B Otfice an Attidavit as to the mail, as
well as proot ot publication.
In the event that Notice of She~itf Sale cannot be made in the
manner provided in Pa. H.C.P. 402(a) or Pa, R.C.P. 403, servioe
shall be made in the samo manner as provided tor above.
lIY THE COURT,
,..-----,
I,~
n:DEI~MAN AND l'1H:I,flN
Wit t"rancil3 13, Ilnlliniln, 1':13'1'
Atty. I.D, 16~690
stu. 900/TWO 1'0l1n cOl1tur Pli1~n
Philadelphia, PA 1910~
1.2 15) 5.H::.'Z!l9.Q--....-.-...---.--..---
CI'rFED MOH'l'GflGE COHPOIWI'lON
OF AMERICT\
lI'I"I'OIiJ/ 1\Y rOIi 1'1011111'1' II'I"
vs.
COUll'!' 01" COI~M()tI 1'1,I~Ml
CIVIL IHVlI31011
CUMUEIU,At/1> COl)Il'I'Y
COUH'l' 'l'I';IlM
tlo. 9'j~"u'/4 CIVlI,
JEtltlIFER L. 'l'HOU'l'MAN ANO
TODD c. ROWLAND
AND NOW, this __._
ORDtJR
day of
.. ....___ , 1 'J I,) ~ , "110n
consideration at 1'1aintift'a Motion and tha Atfillllvit of IiOlluotl/lbla
Investigation llttllched thoreto, it is horohy ORPtJRtJO thAt plAintiff
may obtain service at tha complBint on tho IIbovu ,:nptionOlI
Defendant, TODD C. HOWLAND, by mniling II truo And eorroet copy or
the complaint by certifiod mllil and fegulAr mllll IInd by poatinq of
the premises 170 CHURCH I'D., C!lIiIoWIoE, I'A UOl I, by thu tlhoritr.
service of tho aforomentionod mililin'Ju III ocroctlvo upon tho
date of mailing and is to PO dono by I'lnlntllf'u Ilttornuy, who will
file with the prothonotary's otfice an flCfldllvlt IIU to thu mBiling.
In the evont thllt Notico at Sheriff IInle ollnl1ot bo mildo in tho
manner providod in Pa. H.C,P. 40~(a) 01' I'll. Ii.C.I', 41J:l, sorvico
shall be mado by regu lar und cOft if iod mil 11 to 1>13 fondAnts lut
known address and by posting of the promisos by tho Bhoriff.
BY '!'IIE COUll'!' I
J.
FED EllMAN AND PHELAN
BYI Francis S. Hallinan, f:sq,
Atty. I.D. 162695
Ste. 900/Two Penn conteI' Plil~n
Philadelphia, PA 19102
.L 215 ) I) 62::1.9..9.9
CI'rFED MOR'l'GAGf: cOllI'OIlA'l'ION
OF AMERICA
A'!"l'C)fINf;Y 1"01~ I'I.AIN'l'II't'
VS.
COURT OF COMMON PLEAS
CIVIL OIVISION
CUMBERLAND COUNTY
COUR'I' '1'EllM
No. 95-4074 CIVIL
JENNIFER L. 'l'ROU'l'MAN AND
TODO C. ROWLAND
Pennsylvania Rule ot civil Prooedure 430(6) apeoifioallY
providesl
ca) If a.~vic. cannot b. .ad. und.~ the appllcabl. ~ul., the plaintiff
.av .ov. the Cou~t fo~ a ap.cial o~d.~ di~.cting the ..thod of I.~vic.. Th.
Hotion Ihall b. acco.plni.d bV an IIffldlvit IhUng the nat.un and nt..nt. of t.h.
inv,"Ugat.ion which hal bun .ad. to d.h~.ln. the wh.~.about.1 of t.h.
D.f.ndant.ca) Ind t.ha ~aalonl whV I.~vic. cannot. b. ..d.,
Hot... II sh.dff' a ut.u~n of "Hot. found" o~ t.hl foct. thlt a Dlhndant. ha.
.ov.d wit.hout. leaving a nlw fo~wa~dlng addu.. 11 lnuuftlclant .vid.nca of
aanc.d..nt., !l2J1JA1.t1 VI, 1'01.1..1, 238 Pa, Sup.~. 362, 3~7 1I.2d ~80 (19761,
"Hot.ic. of illtendad adopUolI .aU.d to hit. knowlI add~..a uqui~.. a good hit.h
.ffo~t. t.o d1lcov.~ t.h. co~uat. add~,,"," Mg~lL9LlalJu.r, 468 Pa, 16~, 360
1I.2d 603 CI976).
IIn illult.nUolI of good hit.h Iffo~t to locate th.. dlfondallt. illCludl1 C 1)
inquiuI of pOltd autho~iU.. including in'lui~1e1 puuuant to t.h. fu.do. of
Illfonat.ioll IIct., 39 C,f.R. Pa~t. 265, 121 inquld.. of relat.iv.1 IIdghbou,
f~i'lldl alld ..ploV.n of t.ha Dlhlldlnt and (3) ....lnltiolll of local t..l.pholll
diuct.od.a, vot..~ ugilt.nUon ~Icordl, , local t.a. nco~dl, alld 1I0t.O~ vlhiale
...cordl,
As indicated by the attached Sheriff's Return of service,
marked hereto as Exhibit "A", the Sheriff hilS been unable to serve
the Complaint. A good Faith effort to discover the whereabouts of
the Defendllnt(s) has been mllde as evidol1ced by the attached
Attidavit of Reasonllble Investigation, milrkod Exhibit "Bn.
WHEREFORE, Pla intiff respectfully requests service of the
Complaint by certified mail and regular mail and by posting of the
premises by the Sheritf.
Respecttully submittedl
?~:5' ~
Francis s. Hallinan, Esquire
Attorney for Plaintitf
"EASONADL~ INVE6TIOATION, INO.
TWO VENN OENTER VLA2A
6UI'I'E 900
PHILADELV"IA, PA 19107-1799
(21&) &113-7000
september 21, 199D
POS'I'MAB'l'ER
CARLISLE, PA 17013
".qunt fur Ch'lIu' of M<ll'U" U, UUKhulolul' IlIformntioll tl..d.d for SuvLo. of Levd "'00'"
Pl.... furllL.h the II.W nddru.. or Lhu 1I"I11U .lId .tr..t .ddr... for the followLIIVI
tl~1E1
"DDllIESal
TOIlD C, IHJWI,~1I1l
175 ClIlJllCII IlIMO, <:~III,IHI.~, l'~ '.'013
tlOT!1 Th. II'.' 11101 lolt known .d,lro.. nru 1'0'1"11'0<1 fOl' ch.nu. of oddr... illfor..HolI. Th. ",.,,
If kIlOWII, 11101 pOlt of '1 co hOK .d<lro.. oru 11'0411111'0<1 for hOKhold.r Informntloll.
Th. followlll\l III'orm.Hon I. l'rOYldu,1 In nucord.n".. with 39 CFR ~G& ,&(d) (6) (iI.), Th.n i. 110 fn
for proYidillg bOKholder III'orm.HolI, '1'11. to. '01' l]roYidlll\1 ch.nu. of .ddu.. illforllltioll i. wILv.d
ill Iccordollc. with 39 Cllf' ~65,6(d)(1)0Ild (2) 01101 cOl'rullolldl1l9 Mml1l1otrativ. support Mlllual
J5~,440 IlId b,
I.Capacity of ROqU08to~~ ~ttorney
2. Stlltue or rogulntion that olllpowon.l 1110 t.o 1ol01:'VO~ n/a
J.'1'he names of ull pal,tiC'i1 to tho I iti'ptiol1l '1'000 o. ROWLAND
4. 'l'ho court ill which tho caso hlH3 100011 01:' w ill be henrd I
Oivil Divisionl CUMDEnLANO oounty
5.The dockot or othlJl:' iduntirying II lJ 111100 I:' I 95-4074 CIVIL
6. 'l'ho capacity in which thin individual is to be sorvedl Defendant in a Mortqaqe
Foreclosure Aotion
\i~RII Itlo
THll SUBMlSSIOII OF FAI,5E 11I1'01UIA'I'IOII 'fO 01l'1'~1II ~IID USE CIIAIIOE Of' ADDRESS INFOJUolATION rOil BOlnOLDllR
INFOllNl\'rION FOR AN'{ PURPOSE o'!'IIER THAN TIm SERVICE OF LEOAL PIlOCESS IN CONIIECTION WITH "CTUIIL Oil
PROSPllCTIVE LITIOATIOII COULD IlEaUL'!' III CIIIIHII~L I'~IIALTIES IIICLUDIIIO ~ FINE OP UP TO .10,000 OR
IMPRIBOHMENT 01\ (~) TO AVOlP P~YNEII'r OF TilE FE~ FOR CIIAIIOE OF ADDRESS tNFOllMATION OP NOT MaRl THIUf
& YEAIlS, OR BOTII (TITLE 10 USC al!:c'l'loll 100 I)
I certify thlt th. aboYQ ill'Ul'liIot(UIl I. tl'UU nlld that tha .<I<lru.. illrormatlon 11 u.ed.d and wLll
b. uI.d aolely for .eryic. 0' 10901 proc... ill cOllllectioll wLth actual or proap.ctive 1itiVltion.
",--,
Lllwr c~ T. Phelan
Attorney I.D. No, ]2227
Two Penn Centor Plaza, Gte 900
Philadelphia, PA 19102
____________________________FOR POST OFFICE USE ONLV-------------------
No change of address ol:'dor 011 filo. NEW ADDRESS (name & street address)
j
Good aB Addronned
not known at uddroBB givon
no such addross
movod, left no forwarding address
EXHIDIT B
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f'I':DERMAN AND I'IlEl,1\tl
f'rank Fedorman, Esquiro
Identifioation No. 122~U
suite 900
Two Penn Centor Plaza
Philadelphia, PA 19102-1799
(215) 563-7000
CITf'ED MOR'l'GAGE COHl'ORA'l'ION
Of' AMERICA
plaintiff
Attorney tor plnintiff
VS,
COUIW Of COMMON Pl,~~AI:l
CIVIL PlVHllON
CUM13I':RLANP COUNTY
1'10, 91S-~074 CIVIL TERM
JI':NNIFER L. '1'ROUTMAN and
TODD c. ROWLAND
Detendents
Tor Jennifer L. Troutman
133 I'l\tll'l<i~" CLrel"
Oarli.la, PA 17013
DATB OF NOTIOEI _}H'RllL1., 1996 ._.__
THIS FIRM IS 11 DEB'1' COLLEC'l'OI~ 1I'l"1'EMP'l'ING TO COLLECT A 01':131',
THIS NOTICE IS SEN'l' '1'0 YOU IN AN 1I'l"I'EMPT 1'0 COLl,ECT THE
INDEBTEDNESS REf'ERRIW '1'0 HEREIN, AND ANV INFORMA'l'lON OBTAINED
FROM YOU WILL BE USED FOR 'I'HA'L' PURPOSI':.
1li~RTl\liT_nQ'J'lQ "
You are in default because you have folled to tuke action
required in this case. UnleBS you oct within ten (10) days trom
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. It you
do not have a lawyer or. cannot offord one, go to or telephone the
following office to find out where you con get log~l helpl
Cumberland county
Court 1Idministotor
~th Floor
Cumberland County CourthouHe
Carlisle, PA 17013
(717) 2 ~ 0 - (j 2 O~lLilllf(')iiiMrJJLU'L__
FRANK FEO~RMAN, ESQUIRE
IIttornoy tor Plalntlff
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Vou '11,11' Il,~tld ill I .11 1~'Jl'WtY to' d<l"',II:l i"HIt' ri'Jhts.
c(}nt,~ct Olll'!. th<l m'H"" '..JIollle.... YOII wi!. I. h.I'M of stopp illg
noticl'! on fJii'Jtl tw,.l <111 h.]w t,) obt.111I dl1 dtt'lL'I1'JY.)
'I'h,t S<JIJIJlH' you
t Iltl ~Hll tl . (H'illl
YOU NAY S.lllllLJlILlliIL'l'9...JJAYJiU'.9.V1L!'1!Ql'1lI.BILYf.lU'.Q!LHAYII OTH&:l\ U~l1ru
mJ'f...1LrnUJlD~.!LfJA1I1L!)_Q1~ILTAKJLRlIML.
1. If the Shtldft' S li,Il,) lu 1I,;I~ utopP,td, your prop'Jrty will be
sold to thtt h 19htttlt bi .Id" '", You 111.11' t: il1d out the price bid by calling
(215) 563 -'701)').
2, You may b<l abltl to ptttit Ion thtt Court to Utlt osidtl the sale
if the bid Pdce was ']rosOlly il1iid'hlUate compared to the value of your
property.
3. The sale will go through only if the buyer pays the Shed f f
the full amoul1t due in the sale. To find OUt if this haa happened, you
may call (215) 563-7000.
4, If the amount due from thl'! Buyor is not paid to the Sheriff,
you will rem<lin the ownel: of tht! property as if the sale tltlver
happened,
5.
amount
buyer.
you.
You have the right to rell~in in the property until the full
due is paid to the Sheriff and thl'! Sheriff gives a deed to the
At that time, the buyer limy bring legal proceedings to evict
&, You may be entitled to a share of tht! money which was pftid
for your house, A schedule of distribution of the money bid for your
house will be filed by the sh<'Jriff on . This schedule
will state who will be r<'Jceiving that money. The money will be paid
out in accordance with this schtldule unless excepticns (reasons why tha
proposed distribution is wrong) ars filtld with the Sheriff within ten
(lO) days after
7. You may aluo ha...e other rights and defenses, 01' Wayrl of
getting your home back, if you .'Iet immediately after the sale.
YOU SHOULD TAKE THIS PAPER TO YOU"! LAWYER AT ONCE. IF YOU DO NOT KAV&:
A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED
BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
CUMBERLAND COUNTY
COURT ADMINISTRATOR
4 th floor
CUmberland County Courthouse
(717) 340 - 6200
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r~D~RKAN and P"~LAN
BYI rRAN~ F~DERKAN
Identifioation No. 12248
suite 900
TWo penn center plaza
Philadelphia, PA 19102
(215) 5113-7000
~TTORN~Y FOR PL~INTIFF
.__._-_.__..--~..--~- .--- -- .----' .-_. .. ----_..-- --..-----.--
OUKBERL~ND OOUNTV
OOURT OF OOKMON PLEAS
OIVIL DIVISION
OITF~D MORTGAGE OORPORATION
OF AMERICA
V8.
I
JENNIF~R L. TROUTMAN
TODD 0, ROWLAND
NO. 96-4074
!;lJlIlTUI.QA'U.9li
FHAN1{
attorney for the
the pr~mises are
l:lecause it iSI
n:p~:HMAN, EHQU WE, horeby vor U ioa that he is
plnintitf in tho abovo-captlonod matter, and that
not aubjfJct to tho provlslons of Act 91
( )
( )
( )
(XX)
an FHA mortqilqe
non-owner occupied
vacant
Act 91 procodures have been f.ult i lled
This certitlcation is made sul:lject to the penalties of
18 Pa, c.s. section 49114 relating to unsworn falsification to
authorities.
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F Al'lK nm{;HMAtl, EHQllIRE
Attorney tor plalntlff
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Vou may nauu ,In IItl',ol:nuy to iWllurt YOU)' r l'jllt.lI, 'l'llu sooner
you contact one, tho lIloru chllllcu YOll wlll h.,vu at ut')Ppill'1 tho
sale. (Suo not ll.)u on p.I'I" two ,m hOlt tu nl1t'lln ,HI 'It.t.ornoy,)
YOU KAY n1LldJJ_l\IlLI'.L,.'l'!LJ.JlIYfl."Y.9YR .I'Ml'flRTY 1Im~'1Q'LllllYJL.9.'l'H,t;R
BIGHTS IIY.JlJLU._THILI1I1IlRUf!!l ,IHIJ.fJ D9Il1LTlIlIflI'JiMfl,
1,
be sold
calling
If thu Shuritf'u 9111"
to thu hl'1hollt. bl<l<lI.'I.'.
.LLl.lj,LJjI) J .::J I) 11'1 .
In nlJt lItopped, your propurty will
VUU r,lilY t llld (,ut tllll pdl;l' bid by
2.
SI.\ le it
of your
You ml.\Y bu oblu tu petltlun thu court to tlut atlidu tho
tho bld pl-ll.),1 Willi '1rolluly In.lduqu.,tu 1.)0lnp,ll'o<l to tho value
pl:opurty.
1. 'rhu tlo\le will go t.hrou(Jh only
Sheriff the full amount uuu In tho uolo.
happened, YO'I 111i1Y c,1I1 (;!llj) [j(jj-7Ullll.
,I. I f tho olnollnt dUll t rom thll lluyor la not pilld t.o tho
Sheriff, you wi 11 rom.llll tllo o"mllt.' of tlw p,'oport.y ila If the sale
never happene<l.
it tllll buyer pays tho
'1'0 fin<l out lr thil5 h,'s
5, Vou hiWO the r l'lht to rUln.\ in in till! pl'L.lpllrty unt i 1 the
full amount duo is paid to thu sheritt alld tho Sharltf gives a deed
to the buyer. At that tlme, thll buysI' may brlny logal proceedings
to ovict YOII.
1\. Vou may be ent l tlod to i\ shr,\re oJ:' the '''OllUY wh l.ch was pa id
for your house. A schedule oJ:' dl"trlbutlon ot the money !:lid for
your houso will be tllo<l by tho s)wdl'f 011 __ . __' This
schedule wlll Ut,lt.O who wlll hn rocolving th,lt 1'\Oney. The money
willllo paid out In olccordilnc(' 'tlltll thln aclwdul(J llllless ex~~epticns
(reasons why the propoiJed dl,;tdbut.lon l8 'dron'l) are tiled with the
Sherift wlthin ton (10) di\yn aJ:'ter._________.,_____.
7, Vou may alBa have other ri'1htiJ and derenlluB, or ways of
getting your home bilck, it you act lmmodl.ately after the sale,
yOU SHOULD TAKa THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVB A LAWYER OR OANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE
LISTBD BELOW TO FINO OUT WHERE YOU CAN GET LEGAL HELP,
CUMUERLAND COUNTY
COURT ADMINISTRATOR
4th floor
cumber.land county courthouse
(717) 240-6200
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You mllY need ,1n "ttornuy t<J ilusurt your r i'Jllts. 'I'he sooner
you oont:not ono, tho mat'll ..:h,lnl:u you will h.wo of <ltopping tho
sale. (Soo notioo on 1M')" two on how to obt,dn .1n ,Ittornoy,)
you KAY aT I LL_JULAD1I1L'r.9. _1JJ\Y1LY.Q!J R...J'R.9.JltlR'fJLlltlILY9LHl\Y.1L.Q.TJilJB
"I aRT a .IYJI1LlJ'.......'1'HIL1JJIJIRJ tr!.IJ_J;! 1111 ~ _.0 .9Jl~L'fJ\ K 1.1 _.1' LM tl..
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be sold
oalling
If tho Bheriff'<l Sillu
to the highost blddur.
.LllftLli,1J1=J.lliJ1l '
ia not <ltoppod, your property will
V<Jll may f lnd out tho price bid by
2.
sale if
of you!."
Vou may b.J nblt] to potltion tho Court to <lot (\side the
the bid prlco woo grosaly in(\doquilto eompilrod to the value
property.
:], 'l'he sole will go thL'ouqh only
Sheriff the rull amount duo in the snl".
happened, you 111ay call (:1l5) 5I,:J-7000.
if tho buyer pays the
'1'0 flnd out if this has
4. I f tho illnount duo from tho llUYUL' \s not pn id to the
Sheriff, you will remilin tho ownor of tho proporty os if the snle
never happened,
5, Vou have the r 19ht to remaln in tho propeL'ty until the
full amount due is p,\id to the Sheriff and the Sherltf gives a deed
to the buyer. At that tlmH, the buyer may brinCJ legal proceedings
to evict you,
6, Vou may be Bntitled to n share or the money whlch wus paid
for YOllr hOllse. A ochedulo of distributlol~l of tho money bid for
your house will be filed by tho Sheriff on I. .,)'--_LJ.:l:iS_.__,. 'I'his
schedUle will state who wlll be recelving at ~oney. 'l'he money
will be po id out in acconl'II1':O \, i tll th l S flehudulo unl'HH3 except ions
(reasons why the proposed di"tributi~ll1 ',.:rcH19) .ll-'? filed with the
Sheriff within ten (1<1) d;IYs ufter' 1.. J'-1..153:.___.
,
7, Vou may also have other rlghts ul1d detensos, or wnys of
getting your home back, if YOll 'let immedlately atter the sale,
YOU SHOULO TA~E THIS PAPER TO YOUR LAWYER AT ONCE, IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFIOE
LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
CUMBERLAND COUNTY
COURT ADMINISTRATOR
4th floor
Oumberland county Courthouse
(717) 24 0-62 00
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Sull. !HIll
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l'rlrcupltl' 1("") ASII.fA'1
TillS NOT/C'li IS ~IlNT 7'0 YOU IN ~N M'TII",fT
7'0 CO/,f,lig'CT'TIlIi INt)/illrtiIlNIJSS ItU'fiItIlKf{,TOD
"U/lK N ~NI) ~N'IINFtJflM~ 710N Ot/W,.trD
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DaG.~ar I, 11'7
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'I'ClI DUloe of tha Shariff
Oumbarland oounty
Attnl R.al B.tate Dept.
Rei "0, .5-4074 oivil T.rm
J.niter L, Trout~an
Todd O. Rowland
175 ohurah Road
oarli.l., PA 17013
Pl.... 8TAY the oheritt'" Oal. rdatlve tCl the a~ov. caption.<<
.at r whio ie sah.~ulad tor o.o.m~ar 10, 1..7.
P or 13 D~nkruptcy Petition hAft been filQd.
ICB
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tor
I\nd I'h<llll11
ce:
Citted Mortgage corp. (OH)
Att,n: l'oreclOfl\lru I1Qpartment
Loan NOI 7489644
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YllI' l!Ollt.I,~t 011", till! IllOl'll ,:ilolll.'.. you wi II il.lv,' 01 1ll',lIpPIII'J till!
H.Il<l. ((Iuu notil!ll 011 pdqll two UII IIOW t"o owt,tlll ,II) dttlll'/I0Y.)
Y9JL liAY,Q'I'U1I;, IHI.ADU.'1'9Ql\YfJ .Y9!JLl'RQl'IIRTL 1\Ji.D. yglJ "II/WJ.1,Q?lHIIR
RXQIITU,..1JYl'lnu' TJlfJ3!J1fJRU'f I Q JIAJ,,1/ .IJQfJU. TAU fT.iMIJ,
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bll sold
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II till.' S il.H' i It'll :i'Il<'
t.o til.' ili'lilllllt IJidd..l'o
c;! J.') }_~il,l) -" qtg). I
ill 1l0t. utoppLH1, your propllrty will
You ,,,,\y Ill1d out. t.ill' pi' i,l~o bid IJy
~.
s<llo II
ot your
Vou '''dY bo ,dJlt. to put.itiol1 tho court to Bet aside the
tll" bid pI' ku W'\ll qrostl I y ll1"doquilto cOlllpilrod to the valUll
proporty.
J. 'l'ho Sille will qo tlu"ough only
Sheriff tho full <Il1lount due ill tho Bale.
happened, you Illoy cilll (~15) 56J-7000.
if the buyer pays the
'1'0 find out if this has
~ . I f tile 'lI"Ollnt due 11."0'" tho lluyer' ls not pd ld to tho
shorin, you will n",..1i11 tl)o OW/lOr oL tilo proporty ot] It tile sille
nevor hilpponl.'''.
'I. You 1,..Vl' till' I"'lllt to I "'"'' ill III til.1 Pl'Op,.rt.y ulltll the
t ull 'lI"Olll1t lllw 1 II pd 1<1 tu t.11" :;11"".1 t I. .111<1 till! ShlH.l t L lJ l V<H' .1 deed
to thu wuyor. At. tlj,lt t.lt"o, tile llllyor '''dY brlll,! le(Jil! proceedings
to ovkt you.
6, You may bo unt.itled to a shoro ot the money which was paid
lor your house. A schedule 01 d i strl bution 01 the lIloney bid for
your house wUl be t lied by tlw ~;h,!rlU 011._ .,..___..__..__. 'l'hiB
schedule will BtdtO who wlll bo rocolvill'! thdt mOlloy. Tho money
will bo poid out In dccord.tllce witil this schodule un loss exceptions
(ro'Hlons why tlw propm;l>d dintnlJut iOIl III wrQn'J) dre tiled with the
ShodU wlthln t.OIl (Ill) <I"y" ..ttl!!'
"~I You Ill"Y "ll;O lldVl.~ otllUl" riqhtH dl1d dct()IHJlHJ, ot: ways of
qettlnq your' hon\(> b.'Ck, it you ,Il't lll\nl<'dldtl>ly ,lltl'r the sale,
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU 00 NOT
HAVE A LAWYER UR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE
LISTED BElLOW TO FIND ou'r WHERE YOU CAN GET LEGAL HELP,
CUMBERLAND COUNTY
COURT ADMINISTRATOR
4th floor
cumberland county courthouso
(717) 240-6200
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Uo",IlIUIl ot tllll ll;>lUlIlIIIVI1 In/do" of' 1111I1I 1l1llWlHl/l Illll l/lll Llll"'l ot
tho Mort\lil\lll forlld,WII',lj Al1lIOIl, 1110 IjIJl:JY ot 0111"\)11I0/11 '111" Lilli IJllllrlftl1l
lIillo "i11Il, "1111I11\11111 ,IIJ p/.'l1Vl'lllllly ,11I1I1IIItlll" Ily tllo ':'llln IIICO '1lIt""lto" ,1nd
1'111111: ilo in,clolIlI"" 10 !ndll"ll ':11 Ie I, 11/11. IntollllJt, lu,1! llllliltH IilXOII,
lnuUI.1I1':1l 1'1"lIIlUIll<!, 01/1" olllul ";>II'0I1I111tl whlc:1I i'LIl,ntltf II/III bool1
oilli'liltll" to IhlY lIlId"I, tllo ~1(}1'l'i"l/ll A,) I llOlllollt In Oled'll to plotllGt !tll
int'3/;OIlI,
n. ,lU\GUHIlIf'1' 1'01\ IU:AS/lJ:SSHJ:NT or PAHAGIS
'l'hll l'lllllltlylv,lIlid l;lIlo/; 01 Clv! L l'/.o""dul<1 <ll'0 tlilont with respect
to tho ISUlIll 01' i;."IIl:"'lltJlIl'llll ut 1J,1I1101g'l/J/ howeVlll, Hille 103" pr')vides,
"the l'rothonotlll'Y ,;110111 .HltJ'HltJ d,IIllIl'i'lIl I'or tho illllount which l'l'lintiff is
ent.itllld it it j,/; ,) HUIII CUl'taill OJ: which can bo made cllrtail1 by
computation..." In tho inBtant callO, thcl alllount to which Plail1tiff Is
entitled is readily cill.culntod by rovillw of the Mortgllge Agreement,
which is of record, togsthor with the Complaint which IIpecifically lists
tho items chargeablo.
Clearly, if HlIll! 1037 gIves t,he Prothonotary the right to assess
damages for the 1II1101lnt to which Plaintiff is entitled as set forth in
the Complaint, tho Court has similar power to roassosu damages at a
later date.
In addition, Hulll 1037(<1) provides that tho Court, on motion of a
party, may enter an appropriate judgment against a party upon default or
admission, If the Court has the powllr to enter judgment, it certainly
has the power to do II lesser act, to wit, reassess damages.
It l~ ~llttlU<I LoIW 1/1 PUI1/1~ylv'nlill 1.1I,lt tllu C'llllt IIlIIY UXI!l:CI,/1l1 it~
'!llllitilPlu p'lWUr~ to "'jl1tl<JL tllo UlIl<lrCUIII"l1t Ol 'I 1"I<l<)llIol1t .111<1 to \)ro/lt
'lilY r<lliot until tll'lt l'I<I<)llIol1t III /loIti~ll<l'J. ~o P.I..I!;., .JUd'J/II'll1tU /Joc.
191, Lloa oI1~<l'~-",~1'JI'!J!~oI1.-Y_t.-JL"L~.!J!, 10" PI.I,IJlIpar DO, 09, l~~ A,~d H9,
121 (1900) I (:J10~-'.UH~~}J~f.t:.\I!!.lJ.'1-!:om.'?.E.!!!io/LEUlllLJ3.2UqlWo~t v. Good,
oJ'] A,~d 2~, ~~ (l1.I.il'l!l<J!: 1'J00) ,
III Chu60 Ilomll ~~)rt\J.!.!.lJ.'!, tll') COllrt ~tiltod that whero II judglllent hils
been OUSe61l'ld tollowl/l<J dofond<lnt'~ lililure to file ,1 re~pon~iVe
plelldlng in ,\ III,nt,,'I"'l lor<3clouure ilction, 11 mort'lllgee ".. .could
properly move the cOUlt to ,ulland tha jlldglllent to lldd Ildditionill IlUIl1/l due
Py virtun If tha 1I101tg'I<)U'/l fllilllro to cOll1ply with the terll1S of the
mortg6ge agreement..." ld. ilt 24. l3ec,lllse a jl;dgll1ent in 1I10rt\logEl
toreclo/lure i/l /ltrictly .In rOI~, It i/l critical thllt the judgment retloct
those llmounts expendod by the Plaintiff ill protecting the property. Sell
Meco Relllity COll1pllny v. Burn/l, 114 Pa. ~%, 200 A.2d 330 (l'J71).
Plaintiff submitll that if Plaintiff went to sale without
reassessing damagos, ,Ind it there WIIS compatitivo bidding tor the
subject premises, Plaintiff would suffer irreparable harm in thllt it
would not be able to recoup monies it paid to protoct its interest.
Conversely, a reassessment ot damages will not be detrimental whatsoever
to Defendant(s) as it imputes no personal liability.
'rhe supreme Court of Pennsylvania found in the Landau v. Western
Pa, Nat. Bank case that the debt owed on a Illortga\le
lJha/1\laa IHlll c.m 1m axpu<:tod to dJiI/1\Jtl frolll <lilY to dilY, iJuc,,\la<l Waatam
Pe/1naylviI/1in lIIuat pay uxpunaua tor tho property i/1 orJur to protoct ita
collateral, H~J L'.I. II", ;!t);! A,;!d ]3~ (1~1'1l), lJuCll\lar, ,] lII<1rt'J,l\le ll'ln
ill /1ot ai'\ti/1lJ1Iillhud lllltll th<l dobt III Pilld, I'lililltltt 1Illlllt II/:ol'.oct ltl!
"<lll'ltur,1l lip unUl I'h" d,Il'u of 111110. Ilu" !\otJ~J!!,IJl.!__YL,l\lto'!n!L'!.'rllat Co"
JJl 1',]. liH>, ;, A.;!J 11;'l, (l~}]')).
'l'horotorll, I'Llllltltt rUllpr/cttlllly IHlblllita that it the o/1torcelllont
of ita ri9hta aru dltiolyod by IO\lal procuu<linllll ilnd lJnfOrclllllrll1t of itl!
judlllllllnt, ilnd 1I11ch dulaya rO'luire tho lIIortlJa\loo t<l Ilxpend ildditional
I!UIllIl PUrllUllIlt. to thu Mort\lage, t.ho/1 Il,]id eXfHlI1lloa bo'-:olllo pan: of the
mortgalleolll lion a/1d Ilhould bo lndlldod In Iloid jud\1mll/1t. 1111 tho Court
indicated In fNMA v. ,luUorson, iI/1 lInreportod callo d copy ot which is
attached hllroto, IllllCO tho chargea enulllerated l/1 Plalntiff's MotJ.on for
Reaasellsment of Oalll,1gos were incurrlld purauant to th<J Mortgage
Agreement, ilnd the lIIortga\le had not yet been paJ.d, said chargos should
be included In Plaintiff's jUdgmlll1t amount. May 'rerlll, 1906, No. 2359
(CCP P.IIILA. 1986).
III, CONCLUSION
Plaintiff rellpectfully requests thill 1I0norable Court grant its
Petit ion to Hea13S0S5 Damages, Plaintiff rellpllctfully llubmitB that it
has acted in good faith in maintaining the property in accordance with
the Mortgage, and in reliance on Baid instrument
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Ylll\ eOllt.ll!t. alp,. thu 111"1''' 1'/10111"" Yl)" \; III II"VI) ul ,stupp I Il'! t.ho
l:h' l~.i. (:1tHl nut ll;U IJIl 1-)dlJll t~vl) ull IIUW tq qbtd in dll dttll....noy,)
lCJlL.&Y.._a.TUJ...JHJ".,l\III&T9_fUWli X9IJRpI'R9l'J.lRTYu.AnlL, Y9IJ,./Il\Y.IL!lTIIIIR
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bu sold
c.111inq
I r t.11l' ShOl'l t t ',) S,) In
to thu hi'lhll:;t LJlddllr.
LlJ5J~i'J J - '1 ,)I)i) .
i" Il'Jt. stoppod, y,)lll' propul:'ty will
'I"" '",IY t ind UlIt. t.hl! prl.:o bld by
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YOll llhlY bl! oIplll to Pl't Ition thl! COUt't to t.ot aside the
thu b ld fJr i<:u Wil U q rOl,tll Y lllild<l'1UiI tll eompil r<ld to the va lue
proporty.
Sil lu it
of your
], 'l'ho t1i11e will 'JO throllgh only J,f
sherirf the full amount dlle in tho ~ale.
happened, you milY <:i111. (21';) 51\\-7000,
th<l buyer pays the
'1'0 find out if this haa
0\. It the illlIount dlle from tho lluyer i8 not p.lld to the
Sherifr, you wlll relllilln tho ownor ot the proporty ilS It the ~ilLo
never happened.
~. 'tall I,d V,! tlll.! rlqllt tu "UII',oIln In till' prupllrty until the
f"ll o1ll1o"nt duu 1,3 p.lid tu thu :ihul'itt dr)d till! SINrln qive8 a deed
to the buyor. At. thdt timo, thl! buyor llIay bring legill proceedings
to ev lct yo".
6. Vou may be entitled to 0 shure ot the money which was paid
for your house. A schedule ot distrlbution or the money bid for
your house will be tlled by the Sherin on _________., This
schedule will state who wlll be rocelvinq that monoy, 'l'he money
will be paid out In dceordaneo with t.his schedule un loss exceptions
(reasons why thu proposed distribution ls wronq) ilre tiled with the
Sherlff witllin ten (10) ddY'; ,1!tUl' ..___.__.~____.
7. Y()ll l1h'Y oliGO hdve ut.llul" J:lqhtl.'i dtHI dOt:QI1HOt-J, or ways of
getting YOllr ho,"e bolek, it YOll .h,t il11l11edl.Jt.ely dtter the sale.
YOU SKOULD TAKE TKIS PAPER TO YOUR LAWYER AT ONCE, IF YOU DO NOT
KAVEl A LAWYER OR CANNOT AFFORD ONE, GO TO OR TElI,EPKONE THe 'OFFICE
LISTED BELOW TO FIND OUT WKERE VOU CAN GET LEGAL KELP.
CUMBERLAND COUNTY
COURT ADMINISTRATOR
4th !loor
Cumberland county Courthouse
(717) 240-6200
WRIT OF EXECUTION end/or ATTACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO 'I'HoJ~, _____, CIVIL fO('!~!ll1
CIVIL ACTION, LAW
TO THE SHERIFF OF
OlHl~Jr I "Jld
COUNTY
To sallsly tho dobt, Inlurosl Bnd cosls duo Cllud M<lrl~JII~Jo (:a)IJ).)r!~.IJ_'2'!'~~JIj'!ldco-...____---
, ._,..~__.__,____PLAINTlFF(B)
lrom ,JIJl1nHCl):' J" TE)I!l)I~l/! 1.I,~ITI...t\1 c:, Il<l\'l.lI!IJ'L.__
.. -..- .----~_.------,----------_._--
-- -...- .... ..._._--_._.__._~--------_..-_.._~.---
__' ,._,____...._ ___ ____._________ DEFENDANT(S)
(1) You aro dlrocll'd 10 lovy upon Iho proporty ollho dolondonl(s) and 10 soll_~J!!g!!! desc:;rJ1!ll2ll.__
- _.___._..._.t__._..____~_.....__._.._
. -- _._~.._..-.-.---_._,--_.._--.-_._.__.. .
_......_._-.-------~-----------_.-.._---_._.-
(2) You aro also dlroclod 10 Bllach Iho proporty ollho dolondonl(s) nollevlod upon In tho possosslon 01 --
_._.__..__..___.___..._.______..____._._________.____ .u....... ..._..______.____.__.____.___.________.
________.__,__.____~_....._h....___._.__.___ __.~,__._._~+______________
,-----_._----~-_.-... ,-.-------- -. ..- -
__h.__________~_._"____.~__.-. ...-. --+-..... .._-.
,____GARNISHEE(S) aslollows:
.___..____._h__._____~___.._ ___u__._,______ _ ___ _ ......_u_._~___..___..
and 10 nollly Ihe garnlshoe(s) thaI: (0) on Bllachmenl has boen Issued; (b) the garnlshoe(s) Is/aro onjolnud 'rom paying any
dobtto or for tho account 01 tho dolondnnl(s) and Irom dollverlng any property 01 Ihe dolondanl(s) or othorwlse disposing
thoreo';
(3) II property 01 tho dolendanl(s) nollovled upon on 5ubjocll0 allachmenllslound Inlho possosslon 01 anyonoother
Ihan 0 named gBrnlshoo, you aro dlroclodto nollly hllT1lhorlhal ho/sho hBS boon addod as a garnlshoe and 15 onjolnod as abovo
slaled,
Amount Duo~47 ,1~1''J(ju
Inlorosl f.rgnli/(j/9!1.JQ. tjlJll! 7, '!(,pur. d.i"lll u
Ally'S co~m 10H~ 16~__." ,%..
Ally Pald_.__ ,_S.l250..fl.5..___________..__.._._~_~_
Plalnllff Paid
L.L ., ,.,._____._......_...._______...
Duo Prolhy _.9JLOQ.________.________
Olhor Cosls
Dole: ..._JlJlY.27.,,,J9..2!J.-----------
CUrtis R. lonq
Prothonotary. Civil Division
by: _J. u) 0... \) \ YtJ.lC!\ctn (\, QJ,'t
Deputy
REQUESTING PARTY:
Nome Frank Fedennan, Esq.
Addr88s: '!W<~ Penn Center P1IIZIJ, Suite 900
Phi~adelphii~~ 191~_______
Morney'or: _!'.lainl!J f
Telephone: ._~-563-7000____._..._______
Supreme Court 10 No, .11248,___....___ ._______.___
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i\IlI)\)U IWiTtUe'I' ()l<' IIENNSYI'yt\,.t,\
aN IU:I
TO\)\) C. Iu>WLANI>
J)~hlur(~)
c,~SE NO.1 1.1J1l.1I!lIl06
FlnH TIIIIUl MOIUGAGE
COMI'ANY/MORTGAGE D.:I'AltTMENT III
III CIlPIlCUy Il~ LUAn S~I'VI~~r for .'~d~rpl
Nlltlunlll MorlKlllle Allodptlun
AUTOMATIC STAY
CIIAl'TEI~ 13
MOVPllll~)
TODD C, ROWLAND
CIIAltLES .J, DdlAIU,lII, .:SQ" T1WS'l'EE
1~~lpondelll(K)
ORDER
AND NOW,lhl~ 61h .IllY ofOclober, 1999
IT IS OIU)ERED THAT:
\. Within FIVE (5) dnys from Ihe dllle of Ihi~ Order, Ihll lnovllnl herein shall ~erve Ihi~ Order Md the ultuchlld
Mollon upon Ihe respondent(~) und, ifuppropriule, upon the lruKlee, Md ~hullflle u Certllkule ofSel'vice wllh Ihls
Court.
2. Within FIFTEEN (IS) day~ from the dllle oflhls Order,lhe respolldenl(~) nmned ubove ~hull conluctlllovMI in
M etlort In good flllth 10 resolve by a~reemenllhe l~~ues rulsed by Ihe Mollon.
3. In the eventlhe Is~ues rulsed by the MOlion ure not resolved by ugreemenl, Ihe respondent(s) shall Mswer Ihe
Mollon within TWENTY (20) dnys from the dllle of Ihls Order, Md upon being served wllh such Ullswer, the
mO'.'MI shall contl!.ctthe COllrtronm Deputy Ilt 717-9(11-280010 llsllhe motion for I1nul heurlng. Ifno Mswer Is
flied, the movWlt may pursue u detaull Judgment pursuWlt 10 Federul Rules of BWlkruptcy Rule 400 \(u)(I), 90 \4
Wld 7055.
Secllon 362 (e) of the BMkruplcy Code specil1es thut THIRTY (30) duys ufter 11 mOllon to lermlllllle
the Ilutomutlc stay Is med with Ihe Court, Ihe ~tay I~ lerminuled Wlless Ihe court orders such stay conllnued in effect
pending conclusion of, or 11 resull of. 11 tlnul heuring. Due to Ihe procedure set torth Ilbove, preliminary hel11'ings
shllll not be held. unless requested by 1ll0VWlt. Furthemlore. due to Ihe scheduling contllcts I1Ild Ildminlstrallve
conslderllllons,the dnte set for 11 I1nll\ hemng mllY not, In every cuse filii within the SIXTY day lime period set forth
In Ihe 1\ U,S,C I, . ~ y URTHERORDERED that the movllllt shall have TEN (10)
days from the ~\P~ thnl' Order ro"objl:ct t\) e co tinullllce of the stay untlllhe dllle set for Ihe !inal hemng.
Absent obJecti ,~: ~~ovWlt~.r!:ght ~si~4:<PeYm IIMce with the lime periods set forth will be considered
W AlVED. '
I ' BY THE COURT;
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cR ~.......t-- '?Y~
ROBERT ./, WOODSIDE
CIlIE.' BANKRUPTCY JUDGE
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II111n~"lulcly nlicr Ih~ snk.
YOll SI/OlILl) TAKE TillS l'APElt TO YOl/lt LA WYElt AT ONCE. IF YOll 110 NOT IIA VE
A 1.i\ wVlm (m CANNOT i\FFOIu) ONE, GO TO <m TELEPI/ONE TilE OF....CI.: LlSTEU
lIF-tOW Tn I'INU <HIT WIIEIU: YOll CAN (jET LE(jAL liEU',
ClJI\IIIEIU,ANIl COllNH' ATTOI{NE\' ItJo:FEIUUL
ClJI\IIIEIU.ANU COllNH' IIAlt ASSOCIATION
2 L1I1EIHV A VENlIl.:
ClJMIWIU,ANIl COllNTY COlllHIIOllSE
CAIU.lSLE, I'A 17013
(717) 2"').3 1M
(HOO) 1)1)0.'" OH
CI~FED MOR~aAGE CORPORA~ION
OF AMERICA,
Plaintiff
IN 'rlll!l COUR~ OF COMMON PLJ!lAS OF
CUMBl!lRLANDCOUN~Y, PENNSYLVANIA
v.
,
,
I
,
I
,
,
,
,
CIVIL AC'rION - LAW
JENNIFl!lR L. TROU~MAN and
~OOD C. ROWLAND,
Defendo1ntlt
NO. 95-4074 CIVIL ~ERM
AND NOW, this
ORDl!lR OF CO\llIT
I~ day of November,
1995, upon oonsideration
of Plaintiff'lt Motion and the Affidavit of Realtonable Investigation
attaohed thereto, it is hereby ORDERED that Plaintiff may obtain
service of the Complaint on the above captioned Defendant, ~odd C.
Rowland, by mailing a true and correct cop~ of the Complaint by
certified mail and regular mail, by posting of the premises L75
Church Road, Carlide, PA 17013, by the Sheriff, and by publioation
onoe in a newspaper of general oirculation in Cumberland County and
once in the Cumberland Law Journal, said publication to be in
a~cordance with Pa, R.C.P. 430(b) (11 and C.C.R.P, 1009-1,
Service of the aforementioned mailings is effective upon the
date of mailing and is to be done by Plaintiff's attorney, who will
file with the Prothonotary's Office an Affidavit as to the mail, as
well as proof of publication.
In the event that Notice of Sheriff Sale cannot be made in the
manner provided in Pa. R,C.P. 402(a) or Pa, R.C.P. 403, service
shall be made in the same manner as provided for above.
B'l ~HE COURT,
I TRUE 00f"( ~M !o~~1lIl
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State of Pennlylvanla,
County of Cumberland.
M.QQEJJF.~lCAIJ.ON
Sherry ClIlIard, CI11551tled Ad Munogor or THE seNTINeL,
or Ihl Counlv Ind SIIII Ilorluld, bllng dulV Iworn, dlpo", ,nd IIV,lhlll THE SENTINeL, I nlwlpllper 01
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or publlclllon IlIlched hlreto I. eucllv Ihe 1.,l1e nl WI' prlnled Ind publllhld In Ihl rlgulllr Idlllon' IInd
Iuu.. 01 THE SENTINEL on Ihl 'ollowlng dlllu, vlz
Copy of Notice of Publication
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MO PL All
OPClU III~WlR .~WHI~LVAN'A
NO, ..o4Orr CIVil.
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111l)1lI~;7~ IP'02
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June 15, 2000
Affiant further deposel that he II not Interested In
the lubject matter of the aforelald notice or
advertllement, and that all allegations In the
foregoing statement 06 to tlmo, place and character
of publication are true.
~:~~~/&/4d
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June 21, 2000
Sworn to and subscribed before me this 21
day of June _ ,2000
'''>lit 'l (t, I C~JAlU )~i II
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Notary Public
My commission expires:
fi'llMTiAI. ~CPI '
SHIRl I.Y n, UUliNlN, ~."I",Y F"e"':
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FllPBRMAN AND PlIBLI\J'I
by, Li~a p, Blankenburg, B~quire
^tty, I,P, No, 780~0
Two Penn Center PlalUl, Suite 900
Philadelphia, PI< 19l0~.1799
1~15} 563.'1000
CIT'II0 1I0ll1'o"ClII COIlI'OIl"'I'IOIl 0' I\HIIIIIC"
ATTORNIY 'OR PLAINTI',
VB.
JlIlfllInll ,., 'rIlOU1'IIAN
TODD C, 1I0Wr,I\NJl
CUHBIIIILI\NJl COUNTY
COUIIT 0' CONNOIl PLII"S
CIVIl, OIVISIOIl
1l0, 9~.4074 CIVIl, 1'111111
un, 0' r,"W 11l.mIH.QJIT...Ql
Pr,"IIlTI"'S MorIOIl TO nll"SBIIBB OAHAO.~
I, B"CKOROUND or C"BII
Plaintiff itlld llefpllll<1l1tlu) l?lltl1red tnto il Protl1iuuory Note and Mortgage
Agreement, wherelll llefell<l,lIltlul "'ireed to pay PI,lllltlff prlllcip~I, Interest,
late chBJ:g6a, nwl clJtnte tilXCU, hiHwrd inuurance prall11uI1IfJ and mOl."tgllge
inBUn\llce prfJlllillllln all Uolid lIlollieu bucame due.
III turn, Plallltlff's Note was
secured by a mortgage 011 the uubject pnlllJlucu,
The Mortgage Agreement
indicates that III the event Defendant Is) defaulta, Plaintiff may pay any
necessary obligations In order to protect Ita collateral, the uubject premises,
In the case aub judicia, Defendant (a) failed to abide by the Mortgsge
Agreement by fslllng to tender numerous, promised monthly mortgage payments,
Accordingly, after Plaintiff determined that Defendant 181 Wltre not going to
cure the def.sult and bring the losn current, Plaintiff commenced s Mortgage
Forecl.osure Action,
Judgment was subsequent ly entered by the Court, and the subject property
is scheduled for Sherlff'a Sale,
Because of the excesalvu period of time between the Initiation of the
Mortgage Forec\oaure Action, the entry of Judgment and the sheriff's Sale date,
damages as prevloualy aaseaaed by the Court are outdated alld muat be increased
to include current Intereut, real eat ate taxea, Inallrance premiums, and other
expenses wh ich Pia inti f f haa been obligated to pay under the Mortgage Agreement
in order to protect Ita Intereat,
II, MOtllDlNT rOll III1"SSIISBlIINT 0' OAHAOIIB
The Pennaylv'lI1la Ilulea of CIvIl Procedure ,He allent with respect to the
iooue of Reannenument of IJ,Ulli'qCU; however, ~uLe 1037 provideD, "the
Prothonotary nhill L lllllJeIlU dilllh\<jell for the lltllOunt which Pla1.ntiff io entitled if
It III a IJlIIII ""ll,\11I UI which "'III hu lIh\lh, 1~"rt,111I hy "Olllplllllll'lll, , ," III lh"
11I1I~nlll l!lIIlU, lhu .11Il'"llll lo whl"h PI'lllItlfr III IIl1llllml III '''tllllly ,,"\<:llllItod
by rQvlow of lh" Mutl'lll,l" /I,) I'll "III" II l, Wllldl III of tueord, lu,J"thllr with th"
COlllplnlllt which IIp,,dfl,,"11Y IIlItll thu ltullllI Ch'lllJ"lIbla,
Clurly, H IlIlla Ion ,JIV"" th" Pl'othollotAry th" rluht to 41111""A dA1Il1l9"A
for th" AlllOllllt to whil'h Plallltlrt III ulltltl"d 'If I lint fotth III tha COlllplAlllt,
the COllrt hAil ulmllAI' pllwel' to '''"t1I1'''11I d'''''''U''tI lit II 1,1tOI' d,\tn,
111 11.101 I tloll , IlUI" 103'/(A) p,'ovld"u thAt th" C<'Ul't, 011 lIIotlOIl of II pArty,
lIlay eliteI' All approprllll" Judglll"lIt lIu.,lnflt ,\ plll'ty IIpoll dellllllt or adllllsslon,
It the Court hAil the pOWllr to elltur J lI'I\IIll"lIt, It certA 1111 y hAil th" power tf,) do
a l",uuu" Bct, to wLt I renlJueau diJlIIitgefl,
It III settled lAW In PellllllylvalllA thAt the COllrt IIIAY exurcla" I.ts
equItable powera to cOlltrol the ellforCelllltl1t of A Jlldum"nt and to grAnt any
relief until thAt Jlldgl11"nt Is aAtlafled, 20 p,j"I!:" Jlldglllelltll Sec, 191. Sae
Alaa, ilt~ph"lJllon v, ilUttll, 16'1 Pa,Super 55, 59, 142 1\,2d 119, 321 119561, ~h!1.A.'!
1J9m~ MoXt9Age.c:oIPor..tloll of tlleSoutllwellt v, Oo",!. 53'1 1\,2d n, 24 (Pa,Super
19661 ,
In Chilli..., Ijo'lIe . Mort9Age, the COllrt atated thAt wlle,'e A judglllellt lIaa be..n
aaBtlssed following defendallt's fAllllre to file a rusponAlve pleading in a
mortgage foreclosure actioll, a 1110rtgagee "" ,could properly 1II0ve tile court to
amend the judgment to add additiOIl.l1 a II 111 a due by virtue If the mortgage's
failure to comply with the tflrmo of the lIIortgage Agreement.. ," Id" at 24,
Because a judgment in lIIortgage forecloAure 10 atrictly .In r.m,), it la critical
that th.. Judgment reflect those amountA expended by the Plaintiff In protecting
the property, Sue MecoReality company v, Burn... 114 Pa, 495, 200 1\,2d 115
(19'11) ,
Plaintiff oubmitA that If Plaintiff went to sale without r..aasesaing
damages, and if th..re was competitive bidding for the subject premises,
Plaintiff would Auffer InopBl'able harm in that it would not be able to recoup
monies it paid to protect Its interest, Conv..rsely, a reaaAeasment of damages
will not be detrImental whatooever to Defend,'ntlal aA it Imputea no p..rsonal
liabill ty,
Th.. Supreme Court of Pennuylvanlll found in the Lalldau v, .f'/e..ter.nl:'.'!,~JIB~',
[lAnk case that the debt owed on a mortuau"
l:hjll1~JCII illllt IUtll 1)11 U>qllJl.'l' IJd tn dlilllqU r I ulII d,ay h} d,'y, IUH.'tUUm WttUl:IHIJ
PUllllllylvlIlIlu IIl1l1lt P,IY UXPUIlIJUII h., thu P' "P"'lY III ",d"l t" prllt.ellt It II
",,11.11"1'111, '1>1'\ P,I, 11'/, ~U~ i\,~,t JlI> 119'/11, U""/lllll" u lIIortoJII\J" 11,," III 1I0t
..xtlll~ulah"d ulltil th" d"ht 1111'"101, Pl,lllltltr '"Ullt prot..<:t It II Cllllllt..rul Up
ulltll th.. dllt.. of 11111.., U"" 1''''''\11''1/1 V, i\ltlllllJlI 'I'Plilt Co" lJ~ I'll, &,lIi, ~ i\.~d
1l~6 IHJl91.
Thor.. for.. , Plllllltlft ,ollpu"t(ully lIul1l11ltll thllt If th.. "nfol'cfJlllellt of Ita
right II oll''' d..lllyed hy le~I..1 pl'oc..edlllHII .\lld ellfol'ColII..nt of It II JUd~III""t, 8nd
lIu<lh delaYII rll<Julru th" "'ort!/"~l"" tll exp,,"d ndditlon81 lIumll pllrllu8nt to th..
Mort~8!/", th..n IIl1ld ..xpunllell hllCOIIIU pllrt of th" mort~lI~e..' II II..n IInd IIhould pe
Includ..d In lIald Jud9111ont, I\Il the COIll't Indicated In I'tlMA v, Jef.refllOn, an
ullreported calle II copy of which III attnched h"l'eto, lIince the chargell
enulllerated in I'lalnt( fr.' II Mot Ion for Ileallllelllllll..nt of Oamagell were incurred
purlluant to th.. Mort\lage A~reelllent, and the lIIortgllge had not y..t peen paid,
8111d <lharg"lI IIhould pe Included In Plalntiff'lI Judglllent IIlIIount, May T.. 1'11I , 1986,
No, :13&9 (CCP I'HII,,\, 1966),
III, CONCLUSION
Plaintiff reop"ctfully requellto thill HonoraPle Court grant itll Petition to
ll..alllleOIl Oamagell, Plaint i ff reopect fu lly lIublllitll that It hu acted in good
faith in maintaining tha property in accordance with the Mortgage, and in
,.ellance on "aid Inlltrulllflnt
with the underlltandin~ that it would recover the moniell it expended to prlltect
itll collaterlll,
IfllIRIPORS, Plaintiff rellpectfull.y re<J",,"to thill Honorable Court to
reullello the dalllllg811 all lIet forth in the Petitioll to Ileaa",,"" Oamagell,
~~~
LISA D, BLAlfJtllfBl1RO, ISQlIIRI
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TWO PENN CENTEI~ Pl, 5TE 000
"WI1I~brHIA, PA 10102
~fPo~~~I'J'I,tHb~%:~~UNT
TWO PENN CENTER Pl, 5TE 900
PHILAOElPI-1IA, rA 10102
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COMMIRCI B"NK ).\601360
PIU\j.OlllPlll,., PA IVI..I
CHECK NO
095478
Pt. ~1'1lIIIO
OIl'l'E:
811G/2000
IIMOUNT
ray
NINE AND 00/100 DOLLIIRS
.............9.00
VOlt;! .n., eo 111)'1
To Tho
Order
Of
Frothy of Cumberland County
cumberland County Courthouso
One Courthouse 9quaro
C,nlislo, I'll 17013
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FIDIRMAN AND PHELAN
by. Lila O. Blankenburg, Ilquire
Atty. 1.0. No. 7BO~0
Two Penn Center Pl..a, suite 900
Philadelphie, PA 1910~.1799
In81 863..7000
CITrlO MO~TaAa. CO~PO~ATION or AM.~ICA
ATTORNIY FOR PLAINTIFF
VI.
JllIlfn.~ L. TROU'l'lWf
TODD a. MWLANP
aUNBI~LANP COUNTY
COURT or COMMON PL.AS
CIVIL PIVIIlION
NO. 9U.40H CIVIL URN
HOTION TO lIAXl RULI ABBOLun
Plaintiff, by Ita Attorney, Lla. D, Ulankellbuf9, Buqulre, bereby
petltiona tbla lIon"rabla Court to make Rule to show Cauae abuolute In the above
captioned mortgage foracloaure act lon, and in aupport tbereof. avera aa
followa I
1, That it ia the Plaintiff in thia action,
2, A Petition for Reasaeaament of Damagea was filed witb the Court on
1I\l9!!~_I;....7..9.,_2.9.9,O and Rule was entered upon Defendantlal JBI'HlIFER L, TROUTMI\N &
TODD C, ROWLAND on /Ic!!9'!.~ ;1?',_ ;1999 to ahow cauae why tha Order for Reaasassment
should not be entered, A true and correct copy of the Hule is attacbed bere to
as Exhibi t A,
3, The Rule to Sbow Cauae Waa timely aerved upon all parties in
accordance with the applicable Rulea of Civil Procedure, and a certification of
Service is attached hereto Exhibit B,
4, Defendant lal failed to reapond or otherwlae plead to the Rule
Returnable dace of ~!!p~_el!\P"');'_ul?, 29.0.9.,
WHERBFORE, Petitioner praya tbis Honorable Court mal~e the Rule to ShoW
Cause abaolute and enter the order for Rcasseasment of Damagea,
Reapectfully aubmittedl
~ V 'f\JJ\-
Liaa D, Blankenburg, Eaquire
Attorney for Petitioner
, 1
FlU.IUWI ANU PUELAN
by. Li.a P. Qlankenburg, E"quire
Atty, I,D. No. 70020
'I'wa Pelln Center Plau, ouite 900
llhila"alllhie, PA 19102-1799
1215) 561'7JaO.
GITJ"l Moll'I'tJMI GOlll'OllM'IOll or lINlll\ICII
ATTO~NE1 FO~ PLAINTIFF
CUNBIlI~1\ND COUN1'~
COURT or COHNOll 1'~.IIB
CIVn DIVIBIOll
NO. 85-.07. CIVI~ TIlIK
VI,
JIlINIrlll ~, TlIOU1~
TO Oil C, 1l0W~I\lID
9BRTIrIClloTlOll or SBRVICI
I, 1.lun p, U1Allk.llbu~9. EBquire, hereby certify that a copy or the Motion
Lt, Milko IlUlo /lbuolute haQ beell Qent to the individuah indicated below on
"OI)lO"'l"''' 18, ~090"
J.NNIrB~ L. T~OUTNAN
TOPD C. ROW~ANP
175 CUUltCH ROAD
CAltLIBLB, PA 17011
(jV~
LiBa P. BLAnkenburg. ~aquire
IIttorney ror Plalntifr
Patel Beptember ~~. 2000
t'11I;:,1 Mllrtgug~ ('llrpllrnllllllllf Jlllh~ ('lIl1rt Ill' ('111111111111 l'kllN Ill'
Alllcrlcu ('Ull1hcrllllld ("llIIlIY, PCllllNylvIIIllu
-VN- Nil, 11)1)~.,1lI7,1 ('11'11
Jcnnlfcr I.. lrllllllllllllIIl1d llldd (',I{,)wllIlld
Itkhllrd I':, SIIlIII1I kpul)' Shcrlff. whll h~llltt dilly N\\1I11l1l~~lIrdllll,t 1111111\', NIlYS 1I1l
July 25. 2000 III 7:21l1l'clllck I',M, 1-:1 )ST, h~ s~rvcd IIlnl~ clIPy 'If 1{~1I1 hllllC Wrll
NlIllcc PIIslcr IIl1d I )~Ncrlplllll1 Illlh~ lIbllW ~Illllkd 1I~lllIl1upllllllllC III' I Ill! wlll1llllll1l1lcLl
Llcli:lldlllllN III 11'11: TlIdd (', 1{'lwIIIIlLl, hy Il1l1klllg klllll\'llllllhl ~llIlll'~ck /llIlII11I11I1IC ul 175
t'hllrch 1{lIlld, ('lIrllslc, ('lIl11h~l'llllld ('lIl1llly, 1'~IlIlNylvlIllllI. its ClllllclllN lllld lIllhc SIII11C
Illllc hlllldlllg \II hll11 pcrslIlllllly Ih~ slIid lrllC IIlld llll~sl~d ~lIpks III' Il1c SlllllC,
I{khllrd F, Slllllh Ikpuly Sh~rI,rwhll b~i'1g duly NWlIl'llllcclIrdll1g 11111111', NIIYS 'Ill JlIly
2~, 2000 III 7:21lll'dllck I',M, 1':1 )ST, hI: pust~d II c"PY III' H~IIII':NIIII~ Writ NlIlkc I'llslcr
IIlld IkH~rlpllllll ,'"lhc prup~rty IIfJ~l1lllfi:r TrulIlIlll1lllllld l'ILld C RlIwllIlld 11ICIII~d III
17~ (,hlll'~h 1{lIl1d, ('lIrll~I~, ('ul11h~rllll1d ('UUllly, 1'~11I1syll'lllllllllccllrdlllll hi IIIII',
It lhlll11llS Kllllc, Shcrlff, whll belllg LllIly SWIIIIl Ilcl'IIrdlll[l hi IIIII', Sll) S h~ Illlldc
dlllgclll s~lIrcl1l1lld II1'1l1lry IiiI' IIIl~ III' Ih~ II'llhlll 'llIl11~d d~'i:lld'lIl1s III \111: .I~11I111i:1' I..
Trlllllllll1ll, but WII~ 1I1l1lbl~ IIIIIICIII~ hcr III his hlllllwkk, II~ Ih~rdilre r~llIrns Ihc IIhuvc
l{clIl FSIIIIC Writ NlIlkc I'lIst~r IIl1d Ikscrlpll'lIl Nlll FlIlIlld II~ hllhc d~fi:lldlllll J~IlIlIl;:r L.
Tl'lllllll1 II II ,
It Thlll1111S KIIIlC, Sh~rlff, whll belllg dilly sWIIlIlllcwrdlllg 1lIIIIW, Sill'S hc ~crvcd lhc
IIbllVC 1{~IIII'HIIII~ Writ NUllcc 1'1IS\~r IIlld IkN~r1plllll1ll1lh~ abllw ~llIltkd IICllllllllpUIl
IIIlC IIflhc I\'lthilllllUll~d deli!lldlllllS III 11'11: .I~IIIlI'i:r I., Trlllltlllllll by ('~rtll1~d MIIII
I{CIlII'll Rccelpt R~'1U~sICd, R~strklcd 1l~III'~ry, I kllvcr T'I Addr~s~cc Ollly III c1.1.1
I'lIrtrldgc Clrd~, Cllrllsl~, PCIIIl~Y/1'1I1l1t1. This I~ttcr WIIS 1l1llikd ullder Ih~ dlllc lIfJlIly 27.
2000 IIIlLlrClllrn~d \lllhe Slwrllrs Onk~ 1111 .Il1ly .11, 20110 with 1'~IIMlIl ch~cked
Attcl1lplCd NIII KIlUIIIl,
It lhlll11l1~ Kllllc. Sh~rln'lI'hll helllg dilly sWlIl'Illlccllrdlllg III IIII\', Sill'S h~ scrvcLllhc
IIbllvc I{CIIII':~\lIlC Writ NUllcc I'lIsl~r IIl1d Ikscrlplillllllllh~ 1<IIIIIwll1g 111111111cr: Tl1c
Shell'rfl11l1llcd IIllutkc IIflhc PClldCI1CY lIflh~ IICIllIl1tUUI1~ IIfthc I\'lthilllllll1lcd
dclclldul1ts III 11'11: TlIdd l'. RuwllIlld hy rc!:tulllr 1111111111 175 Chllr~h RlIad, Cllrll~lc,
1'~llllsylvUlllll, This I~ttcr WIIS 1111111~d 1Illd~r Ih~ dllt~ III' .Il1ly 26, 2000 1111" lIcvcr rClllrncLl
llllhc Sh~rlrr~ Officc,
It Thllll1us KlIl1c, Sl1crlrr, whll belllg duly sWlIlIlllcwrdlllg luluI\', ~ays hc s,:rvcd 1l1c
IIbllVC Rcul FSllltc WI'It NUllcc 1'1I~1~1' ulld Il~scrlpllllll illll1~ Illlllll\'lllg 1l1ll1l11~r: Thc
Shcrlfrll1uilcd 1I1llllkc IIrlh~ p~l1d~l1cy lIflh~ 1I~lilll1tUlIllC IIrlh~ I\'lthllllllll11C"
dcli:lldlllllS tll wit: .Jclllllli:r lrulItllllll1 hy r~glll'"'IHlillll 1.1.1l'artridgc Cirelc, ('urll~lc,
I'cllll~ylvulllu, This I~tt~r was ll1ulkd 1Illd~r Ih~ dlltc lIf .JlIly 29, 2000 ulld Iwvcr rClllrncLl
\II the Shcrlrr~ omc~,
It Thllll1u~ KIIIlC, Sh~rirr, whll belllg \llIly slIIIl'IlllcclIrdillg 11I11IW. ~IIY~ Ihulnl\cr duc
uIILllcgnll1111kc hnd b~ell gll'cl1nc~IIl'llillg 11IInw, expus~d thc nhuvc dcscl'lhcd prcll1lscs
nt pllhllc VCllllC III' 1I111cry nl ClIlIrlllllll~C, Carllsk, CUlllbcrlnl1l1 Cllllllly, 1'~llllsylvnl1ln Oil
(klubcr 4. 2000 III 10:00 lI'dllCk A, M,l-:llSl alld ~uld thc ~lllll~ IiiI' 111~ slIl1lllf $ 1,00 to
Attllrncy Ilnlc Shugllllrt, .Ir. '<Ir Fcdcrul Nnllllllul Mllrlgllgc AsslIelntlllll, It belllg lbc
hlgb~sl bid ulld h~~t prkc '11I1I1Cd IiiI' lh~ MIIll~ F~dcl'lIl Nntlllllal MlIrll!att~ AsslIdnllllllllf
1'111111111) 1I~~d i111111l'11'II~) \llllS,~1l ~'III1Il[lltl' I h~ ""IIl~1' )'111 ('lIill"'1 III1~, llt~ IIIIIr~ dHIII(~
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VOU MA \' S'I'II.l, /U': 1\111.1': TO i'iAy'I'; \'l)lIlt I'IU)I'I':IH\' ANI) \'1 )II 11..\ VI': OTIIl-:Jt
llliillTS 1,:n:N IF TilE SIIEHWF'S S..\I,I'; J)IH:S T"'\I': JtI./\O:,
I, Irllt~ Slt~rllfs Slll~ Is 11111 Shll'p~d, ).llll' 1'1'lp~l'ly \1111 h~ ,..101 I" 11t~ hil!lwst hldd~r Y.llIIIIIIY
IIl1d ,"lllh~ plk~ hid h) ("lliIlL) [,~li) )1/1.70011
2, '''"llllll) h~ IIhk III pclill'"III1~ (111111 III ,~I ilsid~ Ih~ 'llk 11'lh~ hid pilc~ IIIIS Urllssl)
IIIUlk'lUlll<: C'"l1pl1l'~d hllh~ I 1I111~ III') .1l1l11l'lp~l'l)
l Tlw Mllc 1\i1II!'lthl'.llll!h 1I111y Irlh~ hll)~1' PII)S Ih~ Sh~I'iI'rlh~ 1'111111111'111111 dll~ Il1lh~ sul~, '1"1
IInd llllllrlhls 1\lIS hllpp~lI~d, y.lllll\lIY (Irl117171 ~,liI,Cj1'11J.
4, Irllw UIll.IlIllt dll~ rl"1I111h~ 111I~~r is 1\1/1 p"ld hlllw Sh~rllf, )011 11111 rCI11111nllw owncr urth~
pr')r~rty liS Irlli~ suI.: IWI~r hIlI'P~Il~d,
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Yllll,
6, You I11UY b~ ~lItlll~d to U slllIr~ orth~ 111'III~y which IIUS pulJ 1<11' y'llIl' hOIlS~, ^ sclwdlll~ Ill'
JI,lrlblllllll1llrllw lll'lI1~Y hid IiiI' yo III' h'llIS~ will 111' 11I~d by Ihe Sh~rlrrlllll1ll1 .10 duys orth~ suk, lbls
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this sch~JIII~ 1I11kss ~~c~ptllllls (r~IIS.lI1S Ilhy thc J1rup'ls~11 dlslrlbllti'llI is Ilr'llll:t) IIr~ Iil~ll with Ih~
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7, Ylllll11ay aho have 1Ilh~r r1ghl.1 ulIll d~Ii:lIs~s, III' WII)'S III' g~lIll1g )11111' hl1111~ blick, II' )ollUCI
Inll11cJIlIlcly liner the SIIIc.
YOU SIIOUU) TAKE TIllS I'AI'EI{ TO \'()lilt LA WYElt AT ONCE. I'" YOl! 110 NOT IIA VE
i\ LA WYF.I~ em C i\NNOT i\...FOIW ONE, GO TO em TELEI'1I0NE TilE O......ICE LlSTlm
nELOW TO FINn Ol!T \VIIEIU~ YOl! CAN GET LEGAL liEU',
ClII\IIIEIU,ANIl COl:NT\' ATTOHNEY ItEFElmAL
ClJl\tnEltLANIl COUNTY IIAlt ASSOCIATION
2 LIllER!'\' A VENllE
Cl!I\IUEIU.ANn COlINTY COl!IHIIOl!SE
CAI{L1SLE, I'A 17013
(717) 249-31M1
(800) 991)-91118
THE PATRI()T NEWS
THE SUNIlA Y PA'TRI()T NEWS
Proof of Publication
UIIUurIlLINu,~UI.lluuruUIU Muu 1~.ln'l
COll1ll1ollw..llh 01 P.nnlylv.nll, Coullly 01 Dnuphlnl II
JIIfl.. L. ClIrlc belllO duly 51"'''" 11(((11',111111 tl) 11l~1 oI"pIJ~e' 11I101 soy,:
Thol hll IU Iho /lccoulllu HocnlVlIllloij Mnllllonl III TItE I'/lTHIOT,NEWI:i CO , n elllp'lIlIlI'JlI Olunllllo<l nll<l nxl61lnllull<lol
Iha IIIWh ollho CIlIllllllIllWIlllllh 01 I'0lJll6ylvnllln, wllh 116 pllllclpnlnlllco nllll plncll 01 IllJ61111lU6 nl U12 10 U18 Mlllkol
611001. nl Iho Clly 01 HlIIllulllnll, Coullly III Ilnllpllll1, lilnlll 01 I'ullllijylvllllln, OWIlOI nll<l pulllluhor 01 THE P/lTfl10T,
NI:WI:i illlll TI-t!! I:iUND/lY I'/lTI110T'NEWI:i 11IIWijllllpnlij 01 UOIIOlIII c1le'lllIlIol1, plll1ln<l 1111<1 pull1l6ho<l 1111112 10 "'II
MllIkol lillool. 111 1110 Clly, CouI11y 111111 l:illllo IIlorOijlll,1; Ihlll TItI: I'/lTHIOT,NI:WS 1111<1 THI: I:iUNOAY PATI110T,NEWI:i
woto OhlllllllijllOd Milich ,tlh, ll1GoI, 1111<1 l:iuptullluur 111111, 10010, 10ijpocllvoly, 1111<1 1111 hllvo UIIOI1 COIIIIIllJOU61y
publl6ho<l OVOI ull1co;
\"I III I Iho plllllod 1I0llco 01 p"JullcUllol1 wlllch 15 611culoly II1111Cl10<l hOlolo 16 oXllclly 116 prll1lod 01101 PUUll6hOlJ III
Iholl "'!lolliI' dlllly 111101101 1:i11l1<l'IY 1111<1 Mollo 011l1l0116116611llij which IIPPOIIIO<l 011 lho 161, IIlh 1111<1 151h dIlY(6) 01
AU{/IJ61 ;l()OO TIIlII 1101lhol ho 1I<lt 6111<1 CMlplll1Y 16 1111010610<1 111 Iho 6uIJlocl 111111101 01 5111d plllllod 110llco or
IIdvOlllijlllO, 1111<1 1I1l11 1111 01 Iho 11110011110115 01 1I11ij 61111011111111 116 III Iho 111110, plllco 1111<1 cllIltllClor 01 puullcollon 1110
truo; IInd
\"11111 ho 111\6 pOl6011l11 11Ilow10<l00 01 Ihu IIIcl6 1110106111<1 111101 16 <luly lIulholllUd 1111<1 IIlllpOWOIO<l 10 vorlly 11116
6111101110111 011 uollllll 01 Tll0 Plllll0I,NoW6 Co, 1I10106m<l uy vllluo 111111 P1Jlij'1l1l11 10 II 10solulloII UII01l11ll01l61y p0660<l 011<1
lI<1oploll ijllvurnlly by lho sloekllOlltorll 1111<1 bOllt<l 01 <llloclols 01 Iho sllld COlllpllny III III III1UIIOquolllly <luly I'OcoI<lod III
lho ofllell lor 1110 110cOldlllll 01 [l00<l6 III 1111<1 101 IIl1lll ClJllIlly 01 Dllllphlll III MIIIcollllllOOll6 Book "M',
Volwllo 1,\, Pngo 317, I
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PUBLICATION I,
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COpy
B ALE .40
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Sw
Is 30Ih~IIYAU9USI 2900 A,D,
NolhrHl1 !i1'111 ~ -J Lu:-/"
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IIBHI'.t'ljIlJ,1 '''"I"tlll\ t 'llll Y . . -...: -_.,L__ _::::::. ~ L- - -:::. -I:'.
MIC""",''',"(''''''''J'''''''UI~ NO RV plJBLIC '{
M,nllJt', p.n.';aAl"~"'1OI1 ~'l!\!'\1llllsslon oxplros ,Jllno 5, 2002
~Ul.IITATI'ALI No, 40
Wrtl No. '......'4
Clvlj~
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I oIA11iirii1 Cotp,
VI
JlllnlfwL. ~ IIld
TbdIlC,~OIIlIllll
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~'I\'~t'" l'li1 1 l.nJ IlIuIII\l In Ih;
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!iI.,.", l\on..,/I',.", IlOIIndnl..J d'''"hlJ
..lulkM"
"[GINNING II. "",II. Ih. public moJ
~r "I h.J..... 'w '''''''trll' I~ 1"1
"""tJ': III.." ill' wid h""'NlltIh .18bll'
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" ~ n to.. poM. ronwr oIl..nd~ nll~' IIr
"...",,,,,,rIIt R.''''hl'''''''''j,...IJI,"J. )li.her'. Receipt for Adverti.ing Co.t
THE PATRIOT, NEWS CO" publlehor 01 THE PATFlIOT,NEWS ond THE SUNDAY PATRIOT,NEWS, newBpBporB 01 gonerel
cllculollon, horoby IIcknowlodge locolpt 01 Iho II10rosold nollco olld publlcollon COBtS 3nd corllllos thet Iho Bomo hoYO
boon dilly Pllld, THE PATRIOT,NEWS CO,
,
I
I
CUMBEflLAND COUNTY SHEI1IFFS OFFICE
CUMBERLAND COUNTY COUI1THOUSE
CARLISLE, PA, 17013
~Jl1tnt 01 Advertising Cost"
To THE PATRIOT,NEWS CO.. Dr.
For puullshlng Iho noli co 01 publlcllllon o\lllet,od
1101010 on 1110 nuovo 61nlod <1,,106
Probllllng SOIllO Nolllty FoolB)
Tolol
$
$
$
241.99
1,60
243,49
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