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Home My WebLink About95-04445 -r " tJ JJ " 'q1 ., z . 1 j ~ ~ J It) ":j- ~ ::r o Z. r' , -"':f~ . .j <' " " ,', '~I ..:.:: " ).( " IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, CIVIL DIVISION NO. 95-4445 Civil Term Plaintiff PRAECIPE TO DISCONTINUE vs. Filed on behalf of PNC Bank, National Association, Plaintiff SMITH E. NEIBERT and SHARON K. NEIBERT, Code: Defendants Counsel for PNC Bank, National Association: Joel B. Gold, Esquire Pa, I.D. #42090 PNC Bank, National Association Firm #862 One PNC Plaza 249 Fifth Avenue Pittsburgh, PA 15222-2707 (412) 762-2801/762-3989 ~~ .... IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, ) CIVIL DIVISION plaintiff ) ) vs. ) NO. 95-4445 Civil Term ) SMITH E. NEIBERT and ) SHARON K, NEIBERT, ) Defendants ) PRAECIPE TO DISCONTINUE TO: Prothonotary, Cumberland County Kindly mark the above-referenced action in mortgage foreclosure as discontinued without prejudice. Respectfully submitted, r44> oel B. Go d, Esquire Attorney for PNC Bank, National Association SWORN TO and subscribed before me thi~day of ~'~ ' 1996. ~~,~,h otary Public NOlar"'l Seal Lois M, Perlil<, tlolnry Public Pinsburgh, Alk>Qhony County My CommissIon Expires Jun. 29, 1898 MO:rblr,PornlytvariaAssccinlon cl tlotarlo$ jbg\nelberl2,dll ,,~,; . '_';'>"~'7;j~0.~:€~~~\~~~~~'-;~1"'~' ~._"",;.~,0~;; . '~:' -- 0' .,.. [r; 1-- ....- u; -~-~ !-- .. '.1 ::i 'Ut,;,: - '-_)1.;.. O. ....1 ; )~=t: tt: ~;. ......f": .:.... .:)~ ~o "2 11~~ '.:> :j~ "" ,.,;l U:!I'; -- >t1~ r"~ .,-, . :1) ~. ~! U. ..-" a 0 0" IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, CIVIL DIVISION Plaintiff, NO. qs - J-j L./ 45 C v.....JL T-(h(""\ COMPLAINT IN MORTGAGE FORECLOSURE vs. SMITH E. NEIBERT and SHARON K. NEIBERT, Filed on behalf of PNC Bank, National Association, Plaintiff CODE: 140 Defendants Counsel for PNC Bank, National Association: Joel B. Gold, Esquire Pa. 1.D. 1142090 CERTIFICATE OF LOCATION I,hereby certify that the location of real estate affected by this lien is: 9 Pine Hill Avenue Silver Spring Township PNC Bank, National Association Firm 11862 One PNC Plaza Fifth Avenue and Wood Street Pittsburgh, Pennsylvania 15265 (412) 762-2801/762-3989 By At As PNC Bank, National Association One PNC Plaza Legal Department, 21st Floor Pittsburgh, Pennsylvania 15265 NOTICE TO DEFEND yOU HAVE BEEN SUED in court. IF yOU WISH TO DEFEND against the claims set forth in the following pages, yOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS after this complaint and notice are served by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that IF YOU FAIL to do so, the case may proceed without you and A JUDGMENT may be entered against you by the court without further notice for any money claimed in the complaint or for any claim or other relief requested by the plaintiff. YOU MAY LOSE MONEY OR PROPERTY or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE OR KNOW A LAWYER, OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP: LAWYER REFERRAL SERVICE -- \ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Civil Division PNC BANK, NATIONAL ASSOCIATION, ) plaintiff ) ) vs. ) No. ) SMITH E. NEIBERT and ) SHARON K. NEIBERT, ) Defendants ) Court Administrator Cumberland county Courthouse Fourth Floor One Courthouse Square carlisle, Pennsylvania 17013 (717) 240-6200 COMPLAINT IN MORTGAGE FORECLOSURE AND NOW, comes the Plaintiff, PNC Bank, National Association, a national banking association, by their counsel, Joel B. Gold, Esquire, and files this Complaint In Mortgage Foreclosure, alleging as follows: 1. Plaintiff, PNC Bank, National Association formerly the First Bank and Trust Company ( "PNC"), is a national banking association organized under the laws of the United States and a citizen of the Commonwealth of Pennsylvania, with its main office located at Fifth Avenue and Wood Street, Pittsburgh, Pennsylvania 15222. 2. Defendants Smith E. Neibert and Sharon K. Neibert, are individuals with a residence address of 9 Pine Hill avenue, Mechanicsburg, PA 17055. 3. On or about July 24, 1991, as security for payment of a Note and Security Agreement ("Note") dated July 24, 1991, Defendants executed and delivered to Plaintiff a Mortgage in the principal amount of $48,202.84 for the premises known as 9 Pine Hill Avenue, Silver Spring Township, Cumberland County, Pennsylvania. True and correct copies of the Note and Mortgage are attached hereto, incorporated herein and labeled Exhibit "A" and Exhibit "B", respectively. 4. The Mortgage, Exhibit "B" hereto, was recorded in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania on August 7, 1991, in Mortgage Book Volume 1924, page 273. 5. The real property which is subject to the Mortgage, Exhibit "B" hereto, is: :"if ALL that certain lot or piece of ground situate in Silver Spring Township, Cumberland County, Commonwealth of Pennsylvania, described in greater detail in that instrument of record in the Office of Recorder of Deeds of Cumberland County, Pennsylvania, at Deed Book Volume X27, Page 173 wherein defendants herein are "Grantees". 6. Defendants are record owners of the described mortgaged premises. 7. Defendants have defaulted under the terms and conditions of the Note and Mortgage, Exhibits "A" and "B" hereto, by failing to make periodic payments of principal and interest as required by the Note and Mortgage, said failure to make payments has rendered the obligation due for February 2, 1995. 8. As of August 11, 1995, due to aforesaid default, the amount due and owing to Plaintiff is computed as follows: principal and interest attorney fees costs total amount due $47,418.40 $ 150.00 $ 250.00 $47,818,40 Plus interest from August 12, 1995 at $14,31 per diem, plus additional attorneys' fees as allowed by law, costs and court costs. 9, The Notices of Homeowner's Emergency Mortgage Assistance Act ("Act 91") required by 35 P.S. !i!i1680.401c, et seq., were mailed to Defendants on May 25, 1995. True and correct copies of the Notices with certificates of mailing, U.S. Postal Service Form 3817, are attached hereto, incorporated herein and marked Exhibits lIe" and "D". 10. The Notices of Intention to Foreclose Mortgage required by Section 403 of Act No. 6 of 1974, 41 P.S.!i403, were mailed certified mail, return receipt requested, to Defendants on May 23, 1995. True and correct copies of the Notices with proof of certified mailing are attached hereto, incorporated herein and marKed on Exhibits "E" and "F". 11. The Mortgage described above and attached hereto and marked as Exhibit "B" has not been satisfied, released or assigned. 12. Under the terms of the Mortgage and the Note, Defendants are liable to PNC for attorneys fees for collection; to date of the filing of this Complaint attorney's fees in the sum of $150.00 have been incurred by PNC, Plaintiff does not waive its rights to collect additional attorney's fees for services rendered after the filing of this Complaint not to exceed the amount agreed upon in the Mortgage and Note or as allowed by law. WHEREFORE, Plaintiff demands judgment of foreclosure and sale of the mortgaged property in the amount of $47,818.40, together with interest thereon at the rate of $14.31, per day plus attorneys' fees, costs, and costs of suit. Respectfully submitted, PNC BANK, NATIONAL ASSOCIATION BY~~I~--:~/ 1 . Gold, torn y for PNC Bank, National Association jbg\nelbert.cmf VERIFICATION The undersigned, Robert Baird, hereby verifies the statements of fact contained in the attached Complaint in Mortgage Foreclosure to be true and correct according to his personal knowledge, information and belief, and further pledges that this verification is made subject to the penalties of 18 Pa.C.S. ~4904 relating to unsworn falsification to authorities. Dated: A/l1/q~ ~~ Robert Baird jbg\ver1tlc..rb CJ910B07,BAZ Page 1 .' . ,; H9Tl AlID w:utun ~81U1IPlT, .. ~ rd_ .4-10 ,', Jut 24. n~::~.l ":~i.n~fil ~T-nrl"""''''''''f_'''' Amount n_ ...--............. .,............. TolaI..I'I~1 ..................... .. .......................... . S' ISS.16 I 41.'02.14 'IOI,UI.DO . a-. ,..... ",202.84 --........ .... '.202.14 .......... ...... r, 1.' , ,\ r=::~~", -~6m ,I==..A..... 21. 11,................. .. . .. ..... ".... ..... ....... . 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PA 17055 . t.. ..... ........ ... ....1..." ........ I........................ 11'IW"'I at ............................................. ................. ........... .................... ................................. ..... ...... ...... . ,he pcraoa or pctlOalliplII... .Mortp.or.tlC..... and III. TIlE fiRST lIAHK AND TRUST courAIIY. M IlllIIaIll II rNC fI/WlClAL COIr. lIemllllcsllarr. rl~ .t... 17055 ' ..oaTOA01D ,a1MISES: Vo.IIIOlI......'1IIl ... .....,.... Iht......... ....1001 aI: , pine Hill Ave. . the .MMI'au,- ..................... .......... ................. ......... ~'," ~. 'tiieii".!"";. ......,..:~::............................................. . Silver Spring Town.hip. cu./'erlllnd" ,'.. t.. ...:'i;~!.IU.....!...."'..IL...... .... ..... ..... ....l......... ................ '."MylV'... ... ..'."........ .......1.. 'U" (1M -Pnriln". /....., ........y _"'~ "".Oly ..... "., .01 "., ... Ie........,... .ftht .....,Ioa 1....lalocd I. Iht _ by which Y" .....ltcd .ht P,........ .hidl b .-0,." .llht . ..Cwp~er.l"o"............ ~,OIIIco f.rtht II_i.. 01 Peed"I. I).cd .... ..'" !~J:~. :H..,...... PAlCi,)... ),1:\............ , Tn P...... H...... (.. 01"" Uml... Parcd Wtntlfia'. If..y) .................... or. CJ Uchcckcd.o.lhe ,.....,.aid,. Tht PrnalKl Ndudca.U buildl....ad oiNt lm,'DYClMnllftOworlMer M 1M Pit'" ud I., riahu or ....en.ll.hkh dcrlYC hON )'OUI owncnhi,. UK Of p-~_:- GlIM PltmUel. LOAH.Tlor 101""... .i1I1..." 0" IN. I. .. ..:i~\:h,J\...tl.dll~xs:.,Md.,$hl!.tllSl, K...RQllll\'ct. ...... .........,................., (.....""..... ..."pertOOlcalled lhe.........''I,I.....''I'''I'........I.II,. ,4ft, :r.O:r.. ft~,.,.. ,...Io"...U.........llol.hich..........-..U11 ....y_............. ....._...,ho .N.....,....... ....JIIJ:ll..2..... ....,......' . ..91,.." Thla ldon.....W alao...."._ ""........ 0(.11 0( ...._\ .....uc.I..he NOI'"U 01 you, "omilClI. Ihb ...n........ an, catooolo... "...010, .............., 01"" _if....lo.. o(lhc HOI., OWHUSIIlPa You Ire 1M &Ok Ownrr(l) of the r"fllkc:I. You haw I_ k,lI ,I.hl I. Wort,," k to UI. TAXES: YOY will ..,.n nil ntll"'''a. .un&...... waler ""'au and Kwrt' rcnh nlallna lolhe 'rttnUa",hcftlMY brconMdtll. Yo. ..ul.1 cW..layctedk .......... "'actloo I'.....he 1o.........)'04l p,y ........u.... ....,...' Y.. will pro...... wilh"oor 01 paJIIICoI'pon ,cq..... MAINJEHAHCEI Y.. w\Il roolftlll.,hc Mlldlo_,)..,he p"....Io.... ....kloo. Y.. will... ..... ~ ........1.,... ..U.lnal.).."'p1I.. -.... ,ONI... V.. will......, ,''' bolWio_.)..... .i.bou. fllll",II..... _... V.. wiU... _1M P"",bc.lllcpllJ 01 f.. kite, III.UIIAHCII Y.. .11 '..p'loc buUdloll')OAI'" P"mber ..1UIOd .1.1I.1roct ...1........' fi...flood... .oy 01.... bannl. we ...yopccil" Y.. ...,- .ho .....,_ _10'.... y.., .h....1I ..bjed.o .., "uonoble .,,,..11. The poIiciu ..., be ,., allelll.'" ........ """ lhellrot periodJ lila' we .,.aly, V... will rkIiwt '0" _ 0" rcq_,he ....icIa 0' OIM' p,oof oIlhe lot......, The policies..... NIOC.. U .....,.,.., nil ........h..... wiI~.. pI)'IM'" DIIU IDlurucr eIIl..., 10 tM caleal or OU' internl ~ncSer Ihll WonPIC, bd'Ort JO..II mUI' ako"D'tick 'MI we IN Ii"" not.. ,hi. 10 d.,. prior WriUCD aodoc of anYClDCCU.doD or rtdr.actioa i. c.oyc,...'Of Inl nuon, Up-o. requal. JOU ahaUddiYCf lhe po",=,-,ccrtifkalu orothtr CvidcMlCof'l....... 10..,1.._ ....loI......d......,.I... P"...... Y" wid Immcdialcly ooI,l,ualo ml..... file. proof.,.... wilh Illc IN...., W. rooyl\lc. "oor 0(...... your KUUllroufaU ormUM lodolO. We 11I.11110 Itl' your.ame 10 I" dwd.dtlll Dr other Ofdu lor.. pI~ Dllnurucc procceclllft '..nut.r... or ._I..1oc p__II.. _I.. plP'Cftl 0( ulol..... will pe,mk ,.... UIC.he......y I. ..pal, I'" ........ bu. emit i1we ........~Iy bclicw the ......... "oca4a an adf4\&I&C rot t,it purpow. Olhrrwilc. M.nll tlte 1he InOM)' '0 reduoc ..hal the lIof.owcr own DIIIt.e NDle. SECUalTY INTEatsTl Yo. Vrilljoin dh us llll'li",.nd r.linldocumratl..t..1 yournf'CNe.ladolq .h.tever we Mlicwc is nccttllry 10 perfcd Ind CDftIIo.. pnfac!" .., _uky 1...,,,.1. the Prt....... ' YOUR AUTI{ORITY TO "Salr rou fall to I\Crrormyour'obliJllinftllltMlr. Ihla Monpat. ~ II\IY. v...~. perlo,.. you, obliaat~M.NI pa, ....eau. a1Ml ..pe.... tv. wW~' 1M .lnGUnu we advance 101M lUlU 1M Borrower otICl H lhe NDlt. on ""hie" we bDpoIc interat u provNfed In Ihe How. ar)"OU r.n to a.onor ,"r Pf(I!rnIIr410 NlnIN la...net ia e"cd. t)f 10 f')' liIina reel.llln Of' 1M COlli NCC.....'10 leeplhe 'rcmlla in JOOdconditlo. a. repelr, we may.il we chOOle. 8d4nce aaylUDI )'ou promhc 10 ray and obt.ln JCplrIa:mcnl insur.nce. "Dew.. .., rc,'-erm.nlaMUI.Dee we oblala 10 eovcrlouordamqc 10lhe Pre... alY k li"'it~ 10.. amoulll ncM l"aI.r than ..hat the aor,owtl D'flU Oft the Nole. AlY amount we .ctnlCC on JOUr brhallwut be 1ICSd0ll11 the ....nee oIt'" Not. H ok" \r;c'lmroae fldnct Ch.rin II ihe An...1 rerc:cntlJC R.te oil!" Note. O\Ir pl'mI'II" on )'our t1chall..m neM cure)'OW' r.u....lo perform your "...IMII. IhIa .........' SALE OF 'RF.MISf.5: You will nol KU. trnder owftCRhil'. Mon.. or olkcrwitc di.roiC or lhe rrtmiscl.la ...ttok or in plrl. withowl "r prior wrille" COftiClt. INSrECTION: Yo. .;11 I'Crmh u.lo iMrrn 1M "remiKl .1 .ny ItllOn.blt 111nC. NO LOSS OF aletns: n.c NOIr and 'hit Man,.. mly be J\CIOIillCd Of aui,ncd b)' UI ..ilhcm rekalln~ Iny 01 you Of lhe P,.,,,,iIa. W. m'l wd or "leaac In, penOl or ,ropc:rt, DbliJaled under the NoIe .nd IMIMonp<<c withoul blnJ our 'iahll in Ihe Pmn'"'- DEf AUI.TIA ddluk uMer lhe NOIe La. de'.ul' under I..il Morll'ac.ln addilion. your r.ilure In pcdOfm )'our obli,lliona lnlhil Mortllle or under an, other NortJllt 01 t.... 1'"11\110 ls. der.lab uader Ihn Moel..,e.U.n)'dtfl\l1l OCCUlt. we un 'OIDdote UpDftlhia Mort.... Thil meaRllMlwt ca. Uti. ror 1M 'rcmbct 10 M IOW..I provided b, 1I...lft order 10 l'Iy on .hallhe JlnnoWC1 DWCI on the. NOle.lllhe money M noei\oC rrom lhe .11c it not enDUlh 10 ,QofT ,.."'. lhe Ioffowtr 0.... )'CHI_in ItOI 0.., UII'" dirfeJCftOt unkll )'ou 1M .iancd 'M Nair M' Jlnrrowc,.ln addilioa. wclnly(i)enlcr on and lab pDIIC1lioa oClK P.emllCli (II) leuc lad eolkc1lhr .mt.. raynunu. includina owrdue .mlal plymrnll.dirtcll)' 'rom len.nlS; (iii) manlJC Ih. .'rrntlltl: Ind C1w) ""..cancelaad C....IrNC.. W. aa) II"" ." pin orlhe '",'II raymentllO p., I.ara.lhe COlt I 0{ calkt'tinl "alai ,I,menll.ad of manlJina the rremlKl Ind to rochlCe '.)' .moulW owlq u..... lhe NOIe.nd under Ihb Mort,lac.in .ny Ofdcr Ihil we chome. W AIVr.aSa Uwe tied.,., addlUlt uader thit Mort,..)'ou .'M you, r.,hUIr_in. under aU IPI".iiCJnUlI. IllY .1\1I elcmplion laWl. Thac rl.ht'.IYO) be fo, your kadilOl nlid;(Ii) limit the unounl you owc ullo It\t I'roccedl OllM Ilk of lhe rnmitet: (Iii) .um,.,hc I'remite.. or pllt orlht pt'occtcbol'llIuk. rro", IIladLmtat.1n'J Of'"k under euclltion; 0' (iv) prow\dc 10. I II.)' of ucnlltoft or ",tltr procal. IINDIHG &FfF.CTl Unl,llhe IIorroWf' till raid the Note in rull.lhe pro~lioftl ohhi. a.4ortpac ..ill be bindi", Oft you.I'd.1I rulule owncn and lellLlnll orlhe rrr.lIa. nll...Of1.... is rOf 011I brref...nd for the bc.dil 01 '")'OM 10 ...ham 'fWC ml,a"ian it. Uren, pl)'me... in rullof.U IhaC lhe IkMrowcr owa -. tlli. MorI....... .., 'lahUl..... r,.""", .h.1I .nd, GENEAALaWecl".livc ordtl.)'enfo.cin,a",of our .i,hllunder thl.. MOrlllac ..ilhoul 'Glinllhem. An, ...Iw. h)' utofan, prowis~north1s MonpJC",ill not be. .IYC'I' lor..)' nlMr I' viii n on I")' olhe. OCCllion. . on..I........"iti;..E:~'ii.;l'bc.rt.........,....... ISUI,I M.n...., Sh"'ron"K':~' (SFAI,) M.;.i',;;,;.............,......,....,...... ':';': :~..,..,...., (Sr.A\.) . Mo<;i..i~,'......,......"........,........,......... ,..... (SFAI,) ~"j;~If(O.....,.JOtl..,.,."." "u, bOOK t02{ fACe 273 .......<OHS.u..II..'....IN~, r::<HIf1TT "fl" CJ9J0807.BA8 ~ l ,. Ii" . ;. rage 2 DESCRlmON OF rREMISES (lftMIIlfNdllc .ncrtpllotl or Pr.-..... If _,.) -- -- 4LL TNAT ClaTAlN '.' RECOIl.ED'OFFICE OF THE RECGlllfll IF IEEOI OUWIEIlUND COUNTY-'''' '91 RUO 7 PM 2 11 " . . .' .. ,- . '.' '. " . 'COMMONWEALTHOFPINNSYI.YANIA I I .. COUHlYOF .....~';a;J~t'.~.........I.......I.1 t IE IT .UlDlllum...... DIllhl. ..........~.~~,.".y of .......-1111x.................. ...lU.., bcf... _. NallIJ Pullllo.r.... . c:a.-woaII' all'l..,....... pmauIIy _..... .. ~lpl.t;l\. ~ I. .~A.Jl'r.~, .on4. .Sho"on . K,. .\lAnt'lI:~...........,...,......,...... ..., Ul , ~ _0('1"- 1ft.... who ...._,...1riI~.. 101_... ...Illm.... .../.../.., ..._W...,.... .../allI/...,....""'. ..w ~...Itsou"............rotl...........~~'..."!_. J /J '..... ,..... .~... ..~/?.I~~.............. :t!Cf. "e. ......7J"I.... kTOAOFr... .......m~.ltR$'J:.~.....TRVS.T..ca,... ................................ .raidtla. . '(0 ~ "\l.Il~.r"...J.J""" .11\l,~1\.n.F.'''.llrB,.......,:,.~ htJ.e1\4............. J.711U. ..... .... ,.......,. ~ ..... UI,/M..liipo'ft, _..... '~.\..,..:..........~I'~0&9.~!! UId~~=a.~~ _........... .,.,011_ My(lt..~.bito,~,...t_ ~ ~. .. t.\, It i i '" ,', 2l i i i lC lC e I ;l!!l ~o~ r ! ~ - \1 Sl, On ~~~ 1 I lC> I n '" a Ii 1 ,r - . , , " ~. ' f: ~7'"''''''''''''4 "'_,flIII bOOito24 PAC{ 2i4 ~ I'SC D.nk. :-;,,\, l'il"hull,(h.l'.\ D;!tj,., ACT 91 NC 'CE TAKE ACTION TO SAVE Y R t ?ME FROM PNClBANK FORECLOSUJ; The Commonwealth of Pennsylvania's ''''11\ lwner's Emergency Mortgage Assistance Program may be able to tel~ you. Read the following notice to find out how the program works. If you need more information call the Pennsylvania Housing Finance Agency at 1(800) 342-2397. La notificacion en adjunto es de suma importancia, puez afecta su derecho a continuar viviendo en su casa. Si no comprende el contenido de esta notificacion obtenga una traduccion immediatamente llamanda esta agencia (Pennsylvania Housing Finance Agency) sin cargos al numero mencionada arriba. puedes ser elegible para un prestamo por e1 programa llamado "Homeowner's Emergency Mortgage Assistance Program" el cual puede salvar su casa de la perdida del derecho a redimir su hipoteca. ACT 91 NOTICE IMPORTANT: 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 MAKE FUTURE MORTGAGE PAYMENTS May 23, 1995 RE: Account No: Smith E. Neibert 40-01-641057199 TO: Smith E. Neibert 9 pine Hill Avenue Mechanicsburg, PA 17055 FROM: PNC Bank, National Association 2730 Liberty Avenue, 2nd Floor Pittsburgh, Pennsylvania 15222 EXHIBIT "e" You may be eligible for financial assistance that will prevent foreclosure on your mortgage if you comply with the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Act"). You may be eligible for emergency temporary assistance if your default has been caused by circumstances beyond your control, you have a reasonable prospect of resuming your mortgage payments, and if you meet other eligibility requirements established by the Pennsylvania Housing Finance Agency. Please read all of this Notice. If contains and explanation of your rights. Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-to face" 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 the next thirty (30) days. If you attend a face-to-face meeting with this lender, or with a consumer credit counseling agency identified in this Notice, no further proceeding in mortgage foreclosure may take place for thirty (30) days after the date of this meeting. The name, address and telephone number of our representative is: Karen Fresh PNC Bank, National Association 2730 Liberty Avenue, '2nd Floor pittsburgh, Pennsylvania 15222 (412) 762-8040 The names and addresses of the designated consumer credit counseling agencies are shown on the attached sheet. It is only necessary to schedule one face-to-face meeting. You should advise 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 $3,378.60 That sum includes the following: November, 1994 thru April, 1995 Late charges Total $3,378.60 S 00.00 $3,378.60 Your mortgage is also in default for the following reasons: If you have tried and are unable to resolve this problem at or after your face-to-face meeting, you have the right to apply for financial assistance from the Homeowners' Emergency Mortgage Assistance Fund. In order to do this, you must fill out, sign and file a completed Homeowners' Emergency Assistance Application with 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 consumer credit counseling agency will assist you in filling 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 face-to-face meeting. It is extremely important that you file your application promptly. If you do not do so, or if you do not follow the other time periods set forth in this letter, foreclosure may proceed against your home immediately. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. It is extremely important that you application is accurate and complete in every respect. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that additional time, no foreclosure proceedings will be pursued against you is 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 is located at 2101 North Front street, Post Office Box 8029, Harrisburg, Pennsylvania 17105. Telephone No. (717) 780-3800 or 1-800-342-2397 (toll free number) . Persons with impaired hearing can call 1-800-342-2397. In addition you may receive another notice from this lender under Act 6 of 1974, That notice is called a "Notice of Intention to Foreclosure", You must read both notices, since they both explain rights that you now have under Pennsylvania law. However, if you choose to exercise your rights described in this notice, you cannot be foreclosed upon while you are receiving that assistance. Very truly yours, PNC BANK, NATIONAL ASSOCIATION BY 7l-eJJ. ~ . (~iLue/rLtlR u-4 Ro ald M, Cervenak { 412-762-1323 URBAN LEAGUE OF METROPOLITAN HARRISBURG 25 N. Front Street Harriaburg, PA 17101 (7171234-5925 YWCA OF CARLISLE 301 G. Street Carlisle, PA 17013 (7171243-3818 CONSUMER CREDIT COUNSELING SERVICE OF WESTERN PA, INC. 2000 Linglestown Road Harrisburg, PA 17102 (717)541-1757 I':"':C Uilnk. S..\. 1'1Il ~11I11 Ull. 11.\ l..:!lt~l ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE PNCBANK The Commonwealth of Pennsylvania's Homeowner's Emergency Mortgage Assistance Program may be able to help you. Read the following notice to find out how the program works, If you need more information call the Pennsylvania Housing Finance Agency at 1(800) 342-2397. La notificacion en adjunto es de suma importancia, puez afecta su derecho a continuar viviendo en su casa, Si no comprende el contenido de esta notificacion obtenga una traduccion immediatamente llamanda esta agencia (Pennsylvania Housing Finance Agency) sin cargos al numero mencionada arriba. puedes ser elegible para un prestamo por el programa llamado "Homeowner's Emergency Mortgage Assistance Program" el cual puede salvar su casa de la perdida del derecho a redimir su hipoteca. ACT 91 NOTICE IMPORTANT: 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 MAKE FUTURE MORTGAGE PAYMENTS May 23, 1995 RE: Account No: Sharon K. Neibert 40-01-641057199 TO: Sharon K. Neibert 9 Pine Hill Avenue Mechanicsburg, PA 17055 FROM: PNC Bank, National Association 2730 Liberty Avenue, 2nd Floor Pittsburgh, Pennsylvania 15222 You may be eligible for financial assistance that will prevent foreclosure on your mortgage if you comply with the provisions of the Homeowners t Emergency Mortgage Assistance Act of 1983 (the "Act"). You may be eligible for emergency temporary assistance if your default has been caused by circumstances beyond your control, you have a reasonable prospect of resuming your mortgage payments, and if you meet other eligibility requirements established by the Pennsylvania Housing Finance Agency, Please read all of this Notice. If contains and explanation of your rights. Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-to face" 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 the next thirty (30) days. If you attend a face-to-face meeting with this lender, or with a consumer credit counseling agency identified in this Notice, no further proceeding in mortgage foreclosure may take place for thirty (30) days after the date of this meeting. The name, address and telephone number of our representative is: Karen Fresh PNC Bank, National Association 2730 Liberty Avenue, :2nd Floor Pittsburgh, Pennsylvania 15222 (412) 762-8040 The names and addresses of the designated consumer credit counseling agencies are shown on the attached sheet. It is only necessary to schedule one face-to-face meeting. You should advise 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 $3,37S.60 That sum includes the following: November, 1994 thru April, 1995 Late charges Total $3,378.60 $ 00.00 $3,378,60 Your mortgage is also in default for the following reasons: If you have tried and are unable to resolve this problem at or after your face-to-face meeting, you have the right to apply for financial assistance from the Homeowners' Emergency Mortgage Assistance Fund. In order to do this, you must fill out, sign and file a completed Homeowners' Emergency Assistance Application with 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 consumer credit counseling agency will assist you in filling 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 face-to-face meeting. It is extremely important that you file your application promptly. If you do not do so, or if you do not follow the other time periods set forth in this letter, foreclosure may proceed against your home immediately. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. It is extremely important that you application is accurate and complete in every respect. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that additional time, no foreclosure proceedings will be pursued against you is 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 is located at 2101 North Front street, Post Office Box 8029, Harrisburg, Pennsylvania 17105. Telephone No. (717) 780-3800 or 1-800-342-2397 (toll free number) . Persons with impaired hearing can call 1-800-342-2397, In addition you may receive another notice from this lender under Act 6 of 1974. That notice is called a "Notice of Intention to Foreclosure". You must read both notices, since they both explain rights that you now have under Pennsylvania law. However, if you choose to exercise your rights described in this notice, you cannot be foreclosed upon while you are receiving that assistance. Very truly yours, PNC BANK, NATIONAL ASSOCIATION BY Ron ld M, Cer 412-762-1323 't..AA...L€flLaR enal< 6-U URBAN LEAGUE OF METROPOLITAN HARRISSURG 25 N. Front Street Harrisburg, PA 17101 (717)234-5925 YWCA OF CARLISLE 301 G. street Carlisle, PA 17013 (717)243-3S1S CONSUMER CREOIT COUNSELING SERVICE OF WESTERN PA, INC. 2000 Linglestown Road Harrisburg, PA 17102 (717) 541-1757 ",.1'.,.......10.... MAY II UIlD '011 DDMllne AND INllllHAnDIIAL MAIL. ODD NDT "'DVlDI 'OIIINSUllANCI-'DlTMAITIII fttceNed 'rom: PNC BlUlk Tn .......... T.~919)[ no.. ""'-- 1'1' NfIiMIV mIIlddrftMd to: SHARON K, NEIBERT II PINE HILL AVENUE MECHANICSBURG. PA 17055 PS Form 3817. Mil. 1888 . U.IGPO: 1 111 .0.212040412174 7 Mcetvtd 'rom: MAY II UIlD '011 DDMOne AND tNllllHAnDNAL MAlL. ODD NOT ....'lVlDE 'OIIINSUllANCI-'DSTMAITIII · ';, . '. '~',~ .l1. Dno ...... of _.... ..._oed to: SMITH E, NEIBERT II PINE HILL AVENUE MECHANICSBURG. PA 17055 I Q C;; CJ'I III .............. =J PS Form 3817. Mil, 1888 .U.I.OPO:1Wl.o-212-404126747 .., . . EXHIBIT "0" I"C 1'''"1-, ~,.\, :"11.111I1..:11. 1'\ l.,~',.' PNClBANK May 22, 1995 Smith E. Neibert 9 Pine Hill Avenue Mechanicsburg, PA 17055 CERTIFIED MAIL RECEIPT REQUESTED Re: Mortgage Loan Number: Mortgage Note Date: 40-01-641057199 07-29-91 Mortgage Premises: 9 Pine Hill Avenue, Mechanicsburg, PA 17055 NOTICE OF INTENTION TO FORECLOSE MORTGAGE The MORTGAGE held by PNC Bank, National Association (hereinafter we, us or ours) on your property located at 9 Pine Hill Avenue, Mechincsburq, pa 17055 IS IN SERIOUS DEFAULT because vou have not made the monthlv cavments of 563. 0 0 t e 0 t s of Novembe 9 t ru r . Late charges and other charges have been accrued to the date of this letter in the amount of $00.00. The total amount now required to cure this default or, in other words, get caught up in your payments, is $3.378,60. If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our riaht to accelerate the mortaaae cavments, This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to payoff the original mortgage in monthly installments. If full payment of the amount of default is not made within THIRTY (30) DAYS, we a so te d to 'nstruct our atto e s to st t a awsuit to foreclose our ort a ed ro ert. f t e ort a e is foreclosed our mort a ed ro ert w'l be sold b t e sheriff to a off the mort a e debt, If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even if they are over $50.00. Any attorney's fees will be added to whatever you owe us, which may also include our reasonable costs, If ou cure the default within the thirt da eriod ou will ot be required to cav attornevs fees, P.XHIBIT "E" 11'1.11..11... .'..\. ',!.I Hl! ~"l I' \ 1 "':li', Paqe 2 of 2 PNClBANK We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirtv day period and foreclosure proceedings have begun, ~~u still ~~:e ~he riqht to cure the default and prevent the sale at anv ~~ ~ u~ ~o h~- ~~ur before the Sheriff's foreclosure sale. You mav do so ay n t _ t_ta amount of the unpaid monthlv payment plus any late or other c~ar~es ~~~n due. as well as the reasonable attorney I s fees and costs con ec ed h the foreclosure sale (and perform anv other requirements under the mortqaqel. It is estimated that the earliest date that such a Sheriff's sale could be held would be approximately September. 1995. A notice of the data of the Sheriff's sale will be sent to you before the sale. Of course, that amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling us at the following number (4121 762-1323. This payment must be in cash, cashier's check, certified check or money order and made payable to us at the address stated above. You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff's sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. (YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE; AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED). CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. If vou cure the default. the mortqaqe will be restored to the same position as if no default had occurred, However, you are not entitled to this right to cure your default more than three times in any calendar year. Very truly yours, , I Ronald M. Cervenak PNC Bank, National Association cc: Regular Mail 1':\(; U..ok, :\..\, l'lIl-hllll.l.h. 1'\ I.,~h., PNCBANK May 22, 1995 Sharon K. Neibert 9 Pine Hill Avenue Mechanicsburg, PA 17055 Re: Mortgage Loan Number: Mortgage Note Date: CERTIFIED MAIL RECEIPT REQUESTED 40-01-641057199 07-29-91 Mortgage Premises: 9 Pine Hill Avenue, Mechanicsburg, PA 17055 NOTICE OF INTENTION TO FORECLOSE MORTGAGE The MORTGAGE held by PNC Bank, National Association (hereinafter we, us or ours) on your property located at 9 Pine Hill Avenue, Mechincsburq, Pa 17055 IS IN SERIOUS DEFAULT ~ecause v~u ~a~e ;~t ~~~e the ;onthlv payments of $563.10 for the months f Novembe. 9 4 ru i1. 19 5, Late charges and other charges have been accrued to the date of this letter in the amount of $00.00. The total amount now required to cure this default or, in other words, get caught up in your payments, is $3.378.60. If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our riqht to accelerate the mortq~ payments, This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to payoff the original mortgage in monthly installments. If full payment of the amount of default is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to oreclose ou 0 t e 0 ert t e 0 t e is 0 ec ose ou mort a ed 0 e t w be sold b t e s e 'ff to 0 t e 0 t a debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even if they are over $50.00. Any attorney's fees will be added to whatever you owe us, which may also include our reasonable costs. r f ou cu e t e d u t w t' t e t . t da e' od ou w' ot be required to pav attorneys fees. IISf: U..n~. S..\. 1'111011111\.:11. j'\ I\,!l'"' Paae 2 of 2 PNCBANK We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty day period and foreclosure proceedings have begun, ~ou ~till ~ve tee rioht to cure the default and orevent th~ sa~e at any t~..e ui ~o One ho~r before the Sheriff's foreclosure sale. ou av do so b oav~n_ t~e total amount of the unoaid month Iv oavment olus any ~~te or othe~ c~ar~es t'ie~ due. as well as the reasonable attorney's fees _ ,d costs co~.ected w;t: the foreclosure sale (and oerform any other re~uire~ents under t e mortoa e. It is estimated that the earliest date that such a Sheriff's sale could be held would be approximately Seotember. 1995. A notice of the date of the Sheriff's sale will be sent to you before the sale. Of course, that amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling us at the following number (412) 762-1323. This payment must be in cash, cashier's check, certified check or money order and made payable to us at the address stated above. You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff's sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT, (YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE; AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED). CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF, If vou cure the default. the mortoaoe will be restored to the sa~e oosition as if no default had occurred. However, you are not entitled to this right to cure your default more than three times in any calendar year. Very truly yours, I / Ronald M. Cervenak PNC Bank, National Association cc: Regular Mail /)1 ~I,l i I~~ "a" ,ualHxa t , . 1-... .... ..... I . ,-0 '-..4 a :.: . .. .:': - I ,':: ..'. I!;: ,,; ~',: , . ~~".J (~~:7~~~"_it;a:. .t i . ' ...100 ;.:..1..~. <:lr ; \~,,:~:-:" f.i1l ',..:~.:-' i~ r . _, ,10 :; ~~-<-\1.1 'Co" ~ .: ,.'.:':"/;1'. -----=-" ~ltJ ~~ ~,;-t1 ~:" ~..; , .', ~{F , . ~=> , .- ': ;. .. ~ ---"';'_' I_Ii ."" , . ,\ '. & ~: ....,. I~ "" , . III l'f .l N;; ',_a.; . _.c ,;,'l!' = ,'t~ 0: &3 ?- m ~.J ::l () JJ -.: - ~ ~~ '. /) '! ,~ " \ :, f' .u ' " g ~",'t <t ~"!\- ... , ~\~ ~ ~ <:.:l \' ~ 'CO Cl .() en u? ~ . wi. -= ~ ~ ""8- ~ 'K 0- r1 r- If) II ~ ~ 0 0 " 0<> ~!;;, If) ~ ~lE ... ~, 'J j 1U"(")g ~ Ua -;a: 0. C &;:ou.... ~ lr) 11 "fl 1...::::0.... _/ n'-'z-I j ~ - ~ ";'..c~ ~ ~iL'=;c Q) cJ .'. l"'~ - .':"c.)~ "",, "-.:=~o.. Jr => ::;... , , SHERIFF'S RETURN - REGULAR CASE NOI 199~-0444~ P COMMONWEALTH OF PENNSYLVANIAI COUNTY OF CUMBERLAND PNC BANK NA VS. NEIBERT SMITH E & SHARON K WESLEY COOK CUMBERLAND County, Pennsylvania, who to law, says, the within COMPLAINT - upon NEIBERT SHARON K defendant, at 1624:00 HOURS, on the 11th day of September 1995 at 9 PINE HILL AVENUE MECHANICSBURG, PA 17055 . Sheriff or Deputy Sheriff of being duly sworn according MORT FORE was served the . CUMBERLAND County, Pennsylvania, by handing to SHARON K. NEIBERT a true and attested copy of the COMPLAINT - MORT FORE and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Oocketing Service Affidavit Surcharge 6.00 ,00 .00 2.00 So answers:~I'"'/ ~ 'T ~-r-' ~ H. I homas K11ne, 5her111 58.00 pNC LEGAL DIVISION 09/13/1995 . ~ by ,d(1?~er:?f/ Sworn and subscribed to before me this J".....l day of .1 hJ:: /..- . t 19 'I) A.D. '--J...rk- ~, 11:.""'t- .~~. ro ono ary WHBIBPOIB, Defendants lOve this Court to strike Plaintiff's COIp1aint and enter jUdg.ent in favor of the Defendants. ~h~ L. Andes Attorney for Defendants Supreme Court ID 17225 525 North 12th Street Lemoyne, PA 17043 2 , . . CBRTIPICATB OP 8B1VICB I HBRBBY certify that on 20 Septe_ber 1995, I served a copy of the foregoing docu.ent upon counsel for the Plaintiff by first class U.S. Hail, postage prepaid, addressed as follows: Joel B. Gold, Esquire PNC Bank, N.A. One PNC Plaza Pifth Avenue and Wood Street Pittsburgh, PA 15265 20 SepteRber 1995 B~~' ~~ uel L. An s Attorney for Defendants Supreme Court ID 17225 525 North 12th Street Lemoyne, PA 17043 'I II 3