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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
YORK FARM CREDIT, ACA
Plaintiff
NO. ~~ (p:f.;).] tW/~M
v.
TIMOTHY M. ALEXANDER and
PATRICIA A. ALEXANDER
Defendants
Civil Action - Law
NOTICE
YOU HAVE BEEN SUED IN COURT. If you wish to defend against the
claims set forth in the foregoing pages, you must take action within
twenty (20) days after this Complaint and Notice are served by entering a
written appearance personally or by attorney, and filing in writing with
the Court your defenses or objections to the claims set forth against you.
You are warned that if you fail to do so, the case may proceed without you
and a judgment may be entered against you by the Court without further
notice for any money claimed in the Complaint or for any other claim or
relief requested by the Plaintiff. YOU MAY LOSE MONEY OR PROPERTY OR
OTHER RIGHTS IMPORTANT TO YOU.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU OC NOT HAVE OR
KNOW A LAWYER, THEN YOU SHOULD GO TO OR TELEPHONE THE OFFICE SET FORTH
BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
CUMBERLAND COUNTY COURT ADMINISTRATOR
CUMBERLAND COUNTY COURTHOUSE
ONE COURTHOUSE SQUARE, 4TH FLOOR
CARLISLE, PA 17013
(717) 240-6200
AVIIO
USTED HA SIOC DEMANDADO EN LA CORTE. Si usted desea defenderse de
las quejas expuestas en las paginas siguientes, debe tomar accion dentro
de veinte (20) dias a partir de la feche en que recibio la demanda y el
aviso. Usted debe presentar comparecencia escrita en persona 0 par
abogado y presentar en le Corte por escrito sus defensas 0 sus objeciones
alas demand as en su contra.
Se 18 avisa que si no se defienda, el caso puede proceder sin usted
y la Corte puede decidir en au contra sin mas aviso 0 notificacion par
cualquier dinero reclamado en la demanda 0 por cualquier otra queja 0
compensacion reclamados por el Demandante. USTED PUEDE PERDER DINERO, 0
PROPIEDADES U OTROS DERECHOS IMPORTANTES PARA USTED.
LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI USTED NO TIENE 0
NO CONOCE UN ABOGADO, VAYA 0 LLAME A LA OFICINA EN LA DIRECCION ESCRITA
1
.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
YORK FARM CREDIT, ACA . NO.
.
plaintiff .
.
.
.
v. .
.
.
.
TIMOTHY M. ALEXANDER and .
.
PATRICIA A. ALEXANDER, .
.
husband and wife .
.
Defendants . Civil Action - Law
.
AND NOW,
TO WIT,
this
CO;lLAINT
1.2.- day of
November,
1995,
COll\8S the
plaintiff, York Farm Credit, ACA, by through its attorneys, the law firm
of Stock and Leader, and brings this action against the Defendants,
Tiaothy M. Alexander and Patricia A. Alexander, husband and wife, whereof
the following is a statement:
1. The plaintiff, York Farm Credit, ACA, is a corporation organized
and existing under the laws of the United States of America with a
principal address of 3301 West Market Street, York, York County,
Pennsylvania 17404.
2. Defendants, Timothy M. Alexander and Patricia A. Alexander,
husband and wife, are adult individuals residing at 1160 Creek Road,
Carlisle, Cumberland County, Pennsylvania 17013.
3. On or about March 29, 1989, the Defendants made, executed and
delivered to York Farm Credit, ACA, a Mortgage Note in the sum of
$140,000.00 calling for payments in monthly installments, a true and
correct copy of which Note is attached hereto, made a part hereof, marked
Exhibit "A" and incorporated herein by reference.
4. At the same time, on or about March 29, 1989, the Defendants
made, executed and delivered to York Farm Credit, ACA, a certain Mortgage,
3
..curing Defendants obligation under the above mentioned Note by certain
r.al .state in West pennsboro Township, Cumberland County, Pennsylvania,
which Mortgage wa. recorded in the Office of the Recorder of Deeds in and
for Cumberland County, Pennsylvania in Mortgage Book 933, Page 1014, a
copy of which Mortgage is attached hereto, marked Exhibit "B" and
incorporatod herein by reference.
5. Having executed and delivered the Mortgage Note and Mortgage
Defendants became liable for the payments called for therein in accordance
with the terms therein.
6. Defendants are in default under the terms of the Mortgage Note
and Mortgage to the Plaintiff by virtue of their failure to make the
payments due under the terms of the Mortgage Note and Mortgage on a timely
ba.is since March 1, 1995.
7. On August 10, 1995 Defendants were each sent the notice required
by the Homeowners Emergency Mortgage Assistance Act of 1983 (Act 91) by
United States Certified Mail, postage prepaid and by United States Mail,
first class, postage prepaid. The notice was received by Defendant
Patricia A. Alexander on August 15, 1995. Although the notice sent
certified mail to Defendant Timothy M. Alexander was returned to Plaintiff
..arked "unclaimed", the notice sent first class, postage prepaid, has not,
to this date, been returned to Plaintiff. A true and correct copy of the
notices are attached hereto, marked Exhibit "C" and are hereby made a part
of and incorporated herein by reference.
8. On OCtober 3, 1995 Defendant Timothy M. Alexander made
application with the pennsylvania Housing Finance Agency for mortgage
assistance in accordance with Act 91.
4
9. On OCtober 13, 1995 Defendant Timothy M. Alexander, waR denied
.ortgage assistance by the pennsylvania Housing Finance Agency. A copy of
.aid denial is attached hereto, marked Exhibit "0" and incorporated herein
by reference.
,10. Thirty (30) days have expired from the date of receipt of the
Act 91 notice by Defendant Patricia A, Alexander, and Plaintiff ha.
received no response from Defendant Patricia A. Alexander or the Consumer
Credit Coun~.ling Agency set forth in the notice to Defendant Patricia A.
Alexander.
11. The amount due under the terms of the Mortgage and Mortgage Note
ie as follow.:
principal balance through October 23, 1995
Interest through October 23, 1995
Late charges through October 23, 1995
Attorney's fees
$124,157.74
$9,616.70
$85.50
S6,700.00
$140,559.94
TOTAL
Interest will continue to accrue on the above mentioned principal balance
at the rate of $36.304 per diem and late charges will continue to accrue
at the rate of $14.25 per month.
WHEREFORE Plaintiff demands judgment a~ainst the Defendants in the
SWD of $140,559.94 together with interest, late charges and costs of suit.
Respectfully submitted,
T othy P. R
supreme Cour 10 *26024
35 South Duke Street
P. O. Box 5167
York, PA 17405-5167
(717) 846-9800
5
V_IUPICA'l'ION
I hereby affirm thl'lt the following facta are correct: I llIl the
Executive Loan Officer of York Farm Credit, ACA in the foregoing action.
The attached COIllplaint ie based upon information which has been furnished
to counsel and information which has been gathered by counsel in the
preparation of this document. The language of the Complaint is that of
counsel and not mine. I have read the Complaint and to the extent that
the same is based upon information which I have given to couns.l, it is
true and correct to the best of my knowledge, information and belief. To
the extent that the content of the Complaint is that of counsel, I have
relied upon counsel in making this Verification. I hereby acknowledge
that the averments of fact set forth in the aforesaid COIllplaint ere ..de
subject to the penalties of 18 Pa. C.S.g4904 relating to unsworn
falsification to authorities.
DATE:
JI. j- 95"
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YORK PARM CREDI'l', ACA, of 3301 W. M..klt Ot,. York, PA 17404 ,
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III II". Jtnrl"'MIft. ~I~I,,,IMIII, \Ii".,c.II..I..lC"'. I" lli'J11lwl. MlInl~'." ~II. wlLhhllhln, IlOIIi'J' Inti hI.I". obt.IMd ~1I.I"nowlldl.lhrftuf.
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,.t'" ,h.lll.illlll.h 'lkh 1\11111I. M'''l",.. nil)' nlf~' ....""U.llr """"nlllll.."d, ~lfurnlllK' 0' IIlldacllol 01 1M &ImI "'" ~I be ",..srr
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hmh,. I'.illl" IIf "'"n~~"lI' hi (IIn'rlt whh ,II t:n,llIInmrnl.1 Rt'{wlllm,"u wll.onllitu.. .nd be I ddlullll/lllc, IhI. Mon,.,.. MUII,',oc
hmlt, ~,I"' 1I1lnJrlllnil, .lId blllJ "'"11,.,n h'lYIIl.'.IO Ih. c.lrlll prnnlllN b, 1"lIcllllll... ro, all Jot.. 11"'11111' d""'I', cOIIIlIII..prnMI.
1",1..J1I1' I\'ii"'''l.blr "*ItII/It,'1 r,n. r.., f~llwlr "r Ihr ,,,nllln III clln'rl, In IUIU(lffU with IhI I!ntlf1lnmrlll.lllcqll IIm.lIl. Of. bluch b, ,",011-
f~f'" ,.1 ~ny rrrlr...nl,II..II. ''''''lfnlJ III I,.ume'" klllll Till! COVENANTS. AQRIIE-"'ENTS, REPResENTATIONS. WARRANTlES AND
NIII:hINII ws till MOMll1ACiOI\ ('ONT AINI1D IN TillS rARAORAPl1 SIlAlL SURVIVE Till! OCCUUI!NCB OP ANY BVIlNT WHAT-
S11I:\'HI.INrUlIIINn.I1UT NOT I.lMITED TO. Till! rAynFfof TilE NOTE SECURI!DIlEREIY. TUB lILeASlO. FORiCLOSU1.
III' nw! "IIlRT(]AOII. OR TilE ACCl!rTANC[! BY Till! ),'ORTOAO[!1l OF A OilED IN LU!U OP fORECLOSUltel
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IIIr rill......", In'p...lln, 1M plfnll~1 ilNlhe 1I,Ii~r. (.IIIJIHIlII ,nd !tp,l, "llltc hllliln,I.lmpfIIWlIllI'nl. .lIlIllihtr <<!lIlltl.IIIlUIN IlI\IM premlll'
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....h In,ul~I"~ hi hi Ikp"llc" ,,"h.1III I,..~ IhrrcllnoJer III t'4 r"J.bl.ltllhc MIl""'u .. It. 111I..... IN, IWC".I" lIII uclll or lun toInlll"Il'
""II ,,'c Inu,wdlilLr lII..lor Ilf l\I~IIIU IN M"115i1~fC, ..holllllf lIIi1h plIl\lr 0' In'l if nllllnlll. "lImpll)' b, "'on'.,o',.... clI;h In'U'llIet 'GnI4"'"
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Ihr ),".nf.lr"C j..1nllt..1lII lhe In'u,~IIt.". "'>lmh. Ilf ."t r"'lllwfIOf. 111.11 tit 'rrllrd bf lilt MolIl"" II ~1.1orI1o IhI !tdl,l4:lhMl olu.. prlllClpal
t>.blll." "llhr "'rlM WUlnI h.ubf ..dho>\lllr,lfli hlllllol1lull.III phil 11'1'" ,.,nMIII of IlIIflC&l 11III pl.'" ,Ip'""', or 10 Ihr ,,"orll," IlC
ur"lI 1.1 lilt t1.1l1u,n1I""'rr"f, '" Ihe 1'111I II' rllfftkolUrf of 1101, 1110""" or IMher IlInlr" of IILIt III !.he mortlllN "open, t. ,.llnlul.tuMfIli
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,"'Iifill!"" 'nlllt'd "",cby. lhe M'''I,~,", hcl~It, ',ICU III r.' Ihe IrUIlIl.lt>!e enm '''flcol. .1lII'"f .._nil paW IIJ IhI Mun,.... 'PlIhaI pIIi'f'O"
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l\I\h III.wl.....r .lIIIlhr .nll'lllll p...d lheld,,' Ih.U herlln" I r.l" Illlhr 1n.J,b1fllntn MEurN hereb, 11III be P'fllllt on ,s,mallll;
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nUl ;l1~" "1"1.11I 1~"11t ItIt _fltIC III t>r r~i.J III ),1o'I11'."n Inlll,I.lhllrnu_ lllal IlJlllII urnll. or..1ot opIlOII bt 'uIU.n noIlc. rrDIII MoI1"ICf.
t1) "10.1'",,1) "UlI, 'Nl.. ;t.J.J1I~'" hlln'l.lllnenll'fln"nl)'1II lhe nlllll"" d.ba he"b, ,"ufN, MOII,I,O' ~ll pi' 10 ,",Orl"'" 1UII11..1d deb!;
II Cully r.a1J, III'lallnornll.., Ih.I",.,.1III .1"'~lal """nltnu '..Ic"II' III t>c Ir.lrli .".111" ,hr p"mbet (OUIC.J bJ 1111. mon,.,.. IIIlJ In~tlllmc""
,.1 lhi.' rlcmill"II" I'rrmilllll' Ih.ll...11I ~"""C I1l1r.nJ I'll aM. 1.1 lent. 'lhh In,ulI"'t fllllM r,.mlMI (0",,01 hrlrb, 1'111111 Iou II, nil Of
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nnldllr I~I r.lluulN tlJ 1M tot"n'.&flllm .1IIn.I.Umrllll .Ir...., r'W Ihurldr. 111_1..111I b)' UIt IlIolmbr, or IntlallnllM ,.,mrnU I...!lfllllc.......a.
"'''lliInnu~l, .,ua"(II'llr mlllllhltllkall" 10 br~'P111f liu. IIn the ,J.ba hrreb, I<<UIN brfOf, 0IIf month prloc 10 U1t.... _lit. &iKh pnntlUlll or
I"remillllll .n.llnn.1lII llItUnlClII. .111 MOmc J,llnqu'lIl. Thr MIIIII"U .,..,11 hoW IlIfh ,l1IIln'IIlII' t.IN" 1ft pi)''''' ptfmlllllfo or pnmllllN
.1IlI1~1f' IlIIIlIMunlfllla be'"1t IIIt..me tIt(OI11C dcllnqwlllli
T"'.lnhl Thll he will \lit the pnxccoh or lhr IlIIn "';1111'1I 1wlel1, ~lfI, rill !.he P'llpota III forth LIlli. ....lullOll 'or MW IoaIll
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.", 'Im""", 1l,,.lq IhI time Of OIhI",h. 11111111. 111I 11m'll or ",mtNtr ,II Of '''7 P'" of IhIlndclll"'..... 0' 1fQI11)11I11If ..1_111' Ill'
oblllllM Of 1IIlIoI41f11l1lJ. modl"I.Of eMht,..l" dulIlI,..llh 111I Iltll 0' chlrl' hm\lr; (.) ..,relit Of rdl,l. 'iM! .urel,llI, Of .,1.. Ill'
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of ,hi ptDptl1,.l'or IN rllll '"'** of Ill' t-kM...... ...w:
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I,.. the Mon.....IN' ............... ....Ihc III!lIIftd IN" Ill' nllofllbl. ,lid Propf' "'_n ror ,hi .'11101I. _IMmIM' 1M
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lIat.....11'tltlllpM.f.ub Ill'" ",IMM of......bl htnb, _II"". Of 1ft, pullhtnof, IIlhI IUIlIlhall bIcomIlflllllnlI ....w..
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Of lA' of..........1 dlt Of nit.., pIllI.....,W ,..... IIQruplC, C"-ItO' fNh If! ...I,1IIM1Il ror Ihc MMrn of cnoJkun Of ""_In.oh....
Of nl.. ,."d. (or... "1IIlIfllII'" wllh mjhon. lhI.IllIl..... tenl. b, \hI. monl'j' tIIa1l. II 1M ....kIlI" lht Mon.,.", ....,.... 11llIllN1.
."1. dill .nd ..,Mi. wllh IIll.IIM !hi... 111M lIUIIII' "l,IIII. III .nett ud. In Iddlt OIl 10 '"' nlflNr, p10..1dtd b, 1.-. lht Motll"" IN,
"'" 1\IIt 1ft ~loIlo lundOlt thlt mortitlt ronbkh.nd 'fOMtIIltlht """ 10 JudJmtnl. IIcr\ltllMllftll" . f"'IIII roI1.dkln of 1M ."'llt IIfIO\IftI
of 1M ltdcblfllllllllM InIt'''' nNIN"I ullptl4,lnrlladllll'wn. 1lJ..lftffd b, Ih. MIlI1I"U fOf '"' .rllte pufl'OM' 1IIlflllbdufI wi fri, "'PIIII,
wll" COtI. or.." ,~ttdln..... fllIGMlI&e 1I1OfM,', 'fl. .11"""ill,1I b, .,(lilubl. 11M' l.w. All flron in IN..1d I"Of'NIIII,.llIlllhf' _till
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10 np., lht l..llItd....IItII.... Is""'" ..Ilblll 1I1M1, dI,..nll.....nd of I'" ftponlll'abUIOl"nlCaI'Uf..bll."'.dlmltoll"'....O'
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II bt11l1111ll'" conm'" C'OIUlalnI JlO .....w ml~","IClftt or omInlont. Iflhc p,llltl,.l.mouJll Dflhll~NIlIII IlCUII1I htn~
1.IlI.un. of IUll.OOO.OO. Of IIlht vii.. ollhl..1mIIlt1lllInpro'f.mallll10 wllnll _hlrh If. lIarll for pmIvctkMlllllSlor tlltlll' oI"I\nIIl\ll'aI
prodIIcI' 1.lI'Illf'Idu U. of dtt,ottI ~a1\11"1hI rbIll111t11 MnIlI'll'\II" 'n.stlllfdn.... 1_" nlllllCltl "'fom.don 111II1 bt 10 PfO'.... _11hPul
......... tht Mon..",. If NrtI n....w IIl'onnttlolll. ..l\Imlthtd II .M'" fI'qIIllfd. .... ,Ilth f,l1l1n toMl.... for IMn. .... .ft... _rlIl111
JMlllce 10 1ht MOlt.... of.... tall1lte. weh 1.11111" thall c~IlIll' an ''''M 0' ddlUll hemMIr.
11&f11",,'1 Thlt Mon...1I111lljm III iht P.f1II Chdle Acl or 1911. II IIftIndNl
. ,aOYIDID. nowaY II. I"" IIMo",I" ",.11 wlll'NlhII, pt, (I' CIU..11I '" reld .111...11I"'11I11 IICII,III hltrbr and all '-ml1lw1lOll
and iii OIh1IWml r.,IMIbr MO"IIIOI. n Iff1lrdUII' ..lth 1M "mil Or,Mlmn.II..nd ,'" obU,lllolIlKllnd htnb,." Ihc '1_._ III
I'" ""n.., 1I,lltll ".nd 1'1I,.1" Nt N. anlI &hAIl OIIN,.I.. plrlonn .11111I 11m'll, m~fllll'll..1IIi fondllloRl of IhI. monl'" .RlIIW ablllllloft.
MC\Ind INnb.. !hIlllhll mol1l'I' IhIII ... met; 0111I,.111. k I. to nmllll In 'wll fOI1:1 .114 ,nlft. \ \ \' . I
IN WITNESS WIIUEOP 1!It MOI1I'IOI'.llllllllilnl10 '" Irl.n, bound hfllt-,. 11" htmlllo III 1I1.twl4.111i "a1Ih1 d., .,. )f\' .r.,,,..Id.
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COMNOHWI.\LTII Of PlHIiIYLYANIA,
COUNTY 01' CUMBERLAND . IS:
o.dll.,~
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ft, or March
. IIw Mknl."'" orne", pmollIU, !'f'I"III
TL.othy H. Alo.ando, and potrlolo A, Alo.ondor. hli vlro,
bo.. 10 "" lot utllflC1Ofil, pm.lI) .. be the ,,'toll(l) ..ho.t ..,..(1111I... ......... 10 ... ..WI ..,.... ... ..........
lbU thry .UC1IIl.."".......rOfI..,."....'ht"hICOlIt.IMlI, ..,....
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IN WITNESS WHum.,
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'n, ,...
C.-..rt,"1 C..I,. tllll.... PA
M, C....."I.lIt.'I.... ht. 4. ""
......., "nit, 1hIt die ...1.. ... DlIluaLMM or the Molt.... .11II1I ...... III
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blll!ltlM'10Jl GlIUk UDU. .
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ALL that aa~taln t~lot of llnd wlth tho l~pEVv...ntl
th...on .~.atad, .1tu.t. ln w..t ..nnlboro Townlhlp, CwobIrland
County, ..nn.ylvanl., bound.d and dll.rlb.d .. fallow..
BICINNIWO at . polnt on tho south blnk of tho Conodo;uln.t
Croak, .Ild polnt baln; offl.t North 1. dl;r... 42 ~nut.1 5'
aaconda wlat 48.11 teet fro. the clnter lIne ot Creek Road CT-
421), . 33 foot rl;ht-of-way, ..ld .Int.r lln. poLnt b.ln;
located and reterencld a d1.tanc. of 1,080 f..t 1n an .aaterly
dlreatlon and alan; the c.nter I1n. of T-421 from the can tar llna
1ntar.aatlon of Cr.ak ROld CT-421) and L.R. 21004, thane. alan;
tha South bank of the Conodoguln.t Cra.k, North 13 dlgr... 41
.lnut.. 25 ..cond. la.t 11'.03 f.at to . polnt on the Bouth .lde
of ..1d Cr..k, thlna. by tho II~., North 80 d.;ree. 3' minute. 38
I.condl 811t "8,13 f..t to en lron pin on tho South lid. of ..ld
Cr..k et l.nd.now or l.t. of Ruth Shu;hert, th.nce by ..ld lind,
acro.. Cr.ek Road, contlnuing by land now or lat. of Ruth
Ihu;h.rt .nd l.nd now or lit. of Wllllem Hurl.Yi South 2 de;r..1
45 .inutl. 00 ..condl I..t 2,713.21 f.at to an ran pin at land
, now or le~. of Wll11.m Hurl.y, thence by tho .Iml, South 18
dl;r... 25 _lnut.. 55 ..aondl W.lt 181,50 f..t to In lron pin,
thlnc. contlnulnljl by the I..., Bout" 85 degr... 26 .lnut.1 5&
lecondl Wa.t 211.30 f.lt to. po.t at land now or lat. of La.tar
Thumma, thanee by the I..a, North' deoreee 3& minutle 54 .aconde
We.t .S5S.45 fe.t to a polnt, thlnce by the aame, South 80 degr...
11.mlnutl. 51 ..condl Wlat 230.91 feet to a point, thence by the
.aml, North 14 dlgr... 53 minut.. 31 .econd. w.at, 1,&25.8& f..t
to . poat It land hov or l.te of Donald Black. thence by the
.ama, Harth 74 dIQre.. 'II minutee 43 ..condl I.at 33&.55 feet to
an iron pin, thanee by the .aml, North 1& degr.e. 42 mlnut.. 59
.eaond. WI.t 443,18 f..t to . point, tho plae. of BEGINNINO,
SAID tr.~t aontilnln; 50,001 Icr.1 end blln; lubjlat to a
33 foot right.of.way for Cr.ek Road, accordino to . .urvey
preplred by Wlllllm B, Whlttock, P,E,. dlt.d AprLl 28, 1'15,
BIINO th. .em.prop.rty which WI' conveYld to Timothy K,
Al...nd.r .nd p.trlol. A, Ale..ndlr, hll wlf., by 0, Wlynlrd
NI1.on Ind Idlth S. NI1.on, hi. wife, by de.d dlt.d Nlrch 2',
1"', and rlcordad 1n the Office of the aecorder of Died. for
Cumblrland County 1n Dead Book " ", Vol. , PIO.
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York
Farm Credit, ACA
3301 Wut MarUI 51'"1
York. PA mOH808
T,I'phone: (n7) 792-284\
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983
PLEASE READ THIS NOTICE. YOU HAY BE ELIGIBLE FOR
! FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS
August 10, 1995
CERTIFIED
Re: Account No, 0021856841
" .
TO: Timothy M, Alexander
Patricia A. Alexander
1160 Creek Road
Carlisle. Pa, 17013
FROM: York Farm Credit, ACA
3301 West Market Street, P.O, Box 2427
York, PA 17405
YOUR MORTGAGE IS IN SERIOUS DEFAULT because you have failed to pay promptly.
real estate taxes and installments of principal and interest. as required for a
period of at least sixty (60l days, The total amount of the delinquency is
S13.065.65, That sum includes the following:
Real Estate Taxes 5 4,472,00
ftmount past due 5 B,550,90
Late charges 5 42.75
Total 513.065,65
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 assi stance if your default has been caused by ci rcumstances beyond your
control. and if you meet the eligibility requirements of the Act as determined
by the Pennsylvania Housing Finance Agency, PLEASE READ ALL OF THIS NOTICE.
IT CONTAINS AN EXPLANATION OF YOUR RIGHTS,
Under the Act, you are entitled to a temporary stay of foreclosure on your
mortgage for thirty (30) days from the date of this Notice, During that time you
have the right to arrange a "face-to-face" meeting with a representative of this
lender, or with a designated consumer credit counseling agency, The purpose of
that meeting is to attempt to work out a repayment plan. or to otherwise settle
your delinquency. THAT 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 counsel ing agency identified in this notice. no furtber proceeding in
mortgage foreclosure may take place for thirty (30) days after the date of that
meeting.
The name, address and telephone number of our representative is:
Mr, Gregory S. Cornwell. Executive Loan Officer
York Farm Credit. ACA
3301 W, Market St" p, O. Box 2427
! York. PA 17405
Telephone (717) 792-2641
The name(s) and addressees) of (a) designated consumer credit counseling .
agency(ies) is (are):
.
Urban League of Metropolitan Harrisburg
2B N, 2nd St,
Harrisburg, Pa, 17101
It is only necessary to schedule one face-to-face meeting, You should advise
this lender immediately of your intentions,
If you have tried and are unable to resolve this problem at or after your
face-to-face meeting. you have the right to apply for financial assistance from
the Homeowners' Emergency Mortgage Assistance Fund, In order to do this, you
must fill out, sign and file completed Homeowner's Emergency Assistance
Application with the Pennsylvania Housing Finance Agency, The consumer credit
counseling agency will assist you in filling out your application, IT MUST BE
FILED OR POSTMARKED, WITHIN THIRTY (30) DAYS OF YOUR FACE-TO-FACE MEETING,
You must either mail your application to the Pennsylvania Housing Finance
Agency, or you must fil e it at the offi ce of one of the designated consumer
credit counseling agencies listed above,
The Pennsylvania Housing Finance Agency is located at: 2101 North Front
Street, P.O, Box B029, Harrisburg. PA 17105, TelephoQe No, (717) 780-3800 or
1 (800) 342-2397 (toll free number).
An application for assistance may be obtained from this lender. from a
consumer credi t counsel i ng agency, or di rectly from the Pennsyl vani a Housi ng
Finance Agency.
IT IS EXTREMELY IMPORTANT THAT YOU FILE YOUR APPLICATION PROMPTLY, IF YOU
DO NOT DO SO, OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS
LETTER, FORECLOSURE MAY PROCEED 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.
" .
Hom~~~:i' t.x:=ra~lr.~ F~~.t~an~lt.o~~r;.~ogram
fJunWllJ (ie.e..,I.f.r",a,'.. PI1I 7I0.l9.11 !:aUUllllO~lDl.I
1101 Nnllh p,nll' s".., lie.e..,I.fll"""'.. 1_IOII-l.l-ll97 1101 Nnllh 1',"11I S,,'"
1'.0. Bn. '5106 Till)' I'.r "e"'.1 Imp.lred 11111 110-1169 p,O. Bn. ISSlD
1I...I.hll,",I'A 111115-5111(' "o..lohll'", PA \1IO'-SSlO
. .
10/U/'5
YORK 'ARM CRIOIT
J301 M. HAR~aT STRIIT, P.O. BOX ~421
YORK, PA. 1140'
BUBJICTI
TIMOTHY H ALIXANDIR
1160 CRIIK ROAD
CARLIBLlf PA. 11013
your opplieotlon lor 0 1I0M1l0"""R'S IMBROIIICY I<<lR'l'llAllI 1olISt8TAIICI LOAM hoo boo. DIHlID
puuuont to Act 51 01 "01, 15 ..S, ,,"<tlnn \U,.OI.C ot ooq. ond/or Jlgoncy
ouhS.Un.. U PA Code sectlon 40.101 lilt 81Q. for the fo11o"log na.on'l
1, "0 roooonoblo proopoct 01 ~rtooonr ro.uml.O lull mortoogo poymanto within thlrty..lx
Il6) aonth. .nd poylng mortg.O.'.' by moturlty b.o.d on, lI.t monthly Ineoma I. In.ulrl.
el.nt .nd h.. bo.n In.urllel.nt .Ine. ot looot 1"a to mo.t totol monthly .apono..,
oven.tended.
a. MortgoOor 10 not oull.rlno Iln.nelol h.rd.hlp duo to elrcumotoneo. b.yond morto.oor'.
control bo.od onl Tot.l mortooOo d.lln~"..CY I. not duo to elreum.t.neo. boyond morto..
gor'. control I Initially tho morto.O. wll obulnod prlmorllY lor e""",orleal or budno.
pUl~O'.. .. Dairy ,.~.
You may bo ontltl.d to .n .ppo.l h.orlno II you dl..groo with our d.el.lon, Wo mu.t r.eolv.
. wrltt.. roqu..t lor a ho.rlng within 15 doy. 01 tho po.tmork doto 01 thlo lott.r. IAppo.l
r.quo.c. mu.t bo In wrltlno. 0 vorb.l roquo.t I. not oecopt.blol. Th. h..rlno may ~ con-
ducted by . ulophon. eonl...ne. e.lll tho..Ior.. you mu.t Inelud. your ulephon. numbor.
Roqu..t. lor h...lng. mu.t otot. tho uooonl., th.t . hoorlno II uquoot.d .nd mu.t bo .ont
rlut cllll. Uglauud or cortlrlod mall to, Chi" coun..l . 1I..rlno R.quoot. PIIPA/nlNA' .
2101 Horth Front Stroot. p, 0, Bo. 15628, n."laburg, ..nn.ylv.nl. I'105.562S, Th. AO.ncy
will ottempt to .ch.dul. the hoodno within thirty ClO) d.y. .Iur the uqu..t I. ncdvod,
Wh.n .ondlno your .pp..l. pl.... bo .ur. to print your nama 1.0lbly .nd Inelud. your .ocl.l
PBcurlty nuftWor.
You h.V. 0 right to bo r.pr...nt.d by .n .ttorn.y In eonn.etlon with your .pp..l. Sf you
e.nnot .IIord .n .ttorn.y you may b. .110Ibl. lor Loo.l S.rvlc.. r.pr...nt.tlon, You e.n
contact. Legal Service. rapr...ntatlv. through the following toll fr.. number
1_.00_']2.]5.5, Pl.... b. .w.r. th.t .ch.dullno .n .pp.ol h..rlno do.. not n.c....rlly .t.y
toreeloeure proceeding..
DISCLOSUR8 or US8 or INFORMATIIJH OBTAIN80 'ROM Otrl'SlD8 SOURe8,
1. Di.elo.ure inapplicable.
Th. '.d.rol lqu.l Cr.dlt Opportunity Act prohibit. cr.dltor. Irem dl.crlmln.tlno .oaln.t
er.dlt .ppllc.nt. on tho b..I. 01 r.e., color. r.llolon, n.tlon.l orloln, .... marlt.l
.t.tu., .g. Iprovld.d th.t the oppllc.nt h.. the c.p.elty to .nt.r Into. blndlno eontreet)I
bacau,. .11 or p.rt 01 tho .pplle.nt'. Ine... d.rlve. Irom any public ...I.tane. program. or
bae.u.' tho appllc.nt h.. In good I.lth ...rel..d .ny rloht und.r tho Con.um.r crodlt Prot.e-
tlon Act, TlI. ,.dar.l Ag.noy th.t .dmlnloUro coonpll.ne. with thl. low conc.mlno thlo
creditor i_ th_ Federal Trade commi..ion, lqual Credit Opportunity, Wa.hington, D.C.
The penn.ylvania "au.ing .inane. Agency
.
RECEIVED
ocr I 8 IYYS
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8 Hoffer
YORK FARM CREDIT, ACA,
Plainti ff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
V,
-.
TIMOTHY M, ALEXANDER and
PATRICIA A, ALEXANDER,
Defendants
95-6523 CIVIL TERM
IN RE~
PRETRIAL CONFERENCE
A pretrial conference was held before the
Honorable George E, Hoffer, Judge, on Wednesday, May 1, 1996,
In this foreclosure action, TimothY p, Ruth,
Esquire, of Stock and Leader in York, Pennsylvania, represents
the plaintiff; Robert L, O'Brien, Esquire, represents the
defendants,
This is a foreclosure action and will be tried
non-Jury since there has been no request for Jury trial,
It appears the defendants' primary objection is a
claim for credits that does not agree with plaintiff's ledger
account in the case, We direct each counsel to file Findings of
Fact and Conclusions of Law dealing with all aspects of the
case, Plaintiff shall file first and will be given three weeks
to file his proposed Findings and Conclusions; defendant will be
given ten days to respond with 0 like document, after receipt of
plaintiff's,
.,... .'
95-6523 CIVIL TERM
IN RE: PRETRIAL CONFERENCE
PAGE 2
Upon the filing of plaintiff's documents. he is
directed to communicate with Mr. O'Brien and this court's
secretory to obtain 0 trial dote, It appears the case con be
tried in half 0 day,
BY the Court,
George
TimothY p, Ruth. Esquire
P.O, Box 5167
York. Pa, 17405-5167
For the Plaintiff
Robert L. O'Brien, Esquire
17 West South Street
Carlisle. Pa, 17013
For the Defendants
Prothonotary
Court Administrator
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LAW O,,,cU
STOCK AND LEADER
,J AO" MCGINNI.
RAYMOND L. Hovl.
WILLIAMH HI",.....
O.AIIO ANDINaoN
WILLIAM C OIlN....CH, .....
W. "UCII WALLACI
ay", H LICA,n
MICHAl'" W, "'INO
TIfl40'HT P. AU'H
MA"IITTA H aAgOUR
EMILY ,J LUDI"
JANC H. SCHUULlIt
ROM'" R. LLOYD. JR
SflVIN M HovI.
C"AIG T. Tfll.lI"COCX
AMY l.. HlLION
JODY N. ANOl"'ON'
tAL'O ,.OMnla IN ",,...n,.HD
3D SOUTH DUKE STREET
POST O'FICE BOX ele1
YORK. PENNSYLVANIA 11040e.eUO?
17171 8418.0800
HI"Y 8 U"OI"
0' (OUNKL.
MCCUAN S'OCK U...180i1
fAX'
1717t 843. fUJ4
May 24, 1996
WAITlA'S DIAI:CT DIAL:
849-41.35
RB:
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J \l l0
Alexander ~\' V
prot:honot:ary of CUlIlberland County
Cuabarland count:y Courthouse
One court:house Square
Carlisle, PA 17013
York Farm Credit, ACA v.
No. 95-6523 Civil Term
In The Court of Common Pleas
Pernlsylvania
of Cumberland county,
Dear Sir/Madam:
BnoloHd please find an original and t:wo copies of Plaint:1ff' s
Proposed Findings of Fact and Conclusions of Law which I would ask
to be filed pursuant: to Judge Hoffer's Pre-Trial COnference Order
in t:hi. _tter. Please return to _ in the enclosed self-addressed
st_peeS envelOpe the copies of the proposed Findings of Fact and
conolusions of Law after they have been clocked-in.
If you have any questions with regard to this, please do not
hesitate to contact me.
Very truly yours,
STOCK AND tJ;QQ
l.b.;;:1l
TPR/eyb
Ene:
cc: Gregory S. Cornwell
,....'...'una..'CUIlCQUtITt' '10
,. '.
-
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
YORK FARM ~REDIT, ACA
plaintiff
NO. 95-6523 Civil Term
v.
TIMOTHY M. ALEXANDER and
PATRICIA A. ALEXANDER
Defendants
Civil Action - Law
PROPOSED FINDINGS OF FACT AND
CONCLUSIONS OW Law OF PLAINTIFF. YORK FARN CREDIT. ACA
Plaintiff, York Farm Credit, ACA, pursuant to the pre-Trial
Conference Order of this Honorable Court per George E. Hoffer, Judge:
I. PROPOSED FINDINGS OF FACT:
1. The plaintiff, York Farm Credit, is the holder of a Mortgage
upon a 50.001 acre tract of real estate located in West Pennsboro
Township, Cumberland County, Pennsylvania, owned by the Defendants,
Timothy M. Alexander and patricia A. Alexander, husband and wife.
2. The Mortgage is collateral security for a Note dated March 29,
1989 in the amount of $140,000.00 given by the Defendants to the
plaintiff.
3. The terms of the Mortgage have been made a part of the Note.
4. Defendants have failed to make the monthly payments called for
in the Note and Mortgage since March 1, 1995.
5. The Defendants have failed to pay the real estate taxes upon the
real estate which is the security under the Mortgage for the above
mentioned Note for tax years 1993 and 1994, which payments are required by
Paragraph Tenth of the Mortgage.
6. On August 15, 1995 the Defendants received the Notice of
HOlII8owner8 EI1Iergency Mortgage Assistance Act of 1983 <Act 91) which notice
1
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was .ent to them by the Plaintiff.
7. More than thirty (30) days have passed and Defendant Patricia A.
Alexander has not applied for financial assistance pursuant to Act 91.
8. Defendant Timothy M. Alexander was denied a Homeowners Emergency
Mortgage Assistance Loan by letter dated October 13, 1995 from the
pennaylvania Housing Finance Agency.
9. The amount due under the terms of the Mortgage and Note as of
May 28, 1996 is as follows:
$124,157.74
17,530.97
171.00
6.700.00
$148,559.71
unmatured principal
Interest
Late charges
Reasonable attorney's fees
TOTAL
10. Interest will continue to accrue with respect to the aforesaid
principal balance at the rate $36.304 per diem and late charges will
continue to accrue on the second day of each month commencing June 2, 1996
at the rate of $14.25 per month.
II. PROPOSED CONCLUSIONS OF LAW:
1. Defendants are in default in their obligations to the Plaintiff
under the Note and Mortgage dated March 29, 1989 for their failure to make
the payments called for under the Note since March 1, 1995 and their
failure to pay the real' estate taxes upon the property subject to the
Mortgage for 1993 and 1994.
2. Defendants have received all the notices required by the
Homeowners Emergency Mortgage Assistance Act of 1983 (Act 91) and have
been denied relief thereunder.
3. Considering all of the circumstances surrounding the prOCeelUng.
in this matter, including the trial of this case, the attorney's fee.
2
"
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olai.-4 by the Plaintiff in the amount of S6,70D.00 are reasonable.
4. Defendants are liable for the reasonable attorney's feee in
accordance with the terms of the Mortgage and Note.
5. The amount owed by the Defendants to Plaintiff ae the re.ult of
the Defendant. breach of their obligations under the Mortgage and Note i.
as follow.:
TOTAL
S124, 157.74
17,530.97
171.00
6.700.00
S148,559.7l
unmatured principal
Interest
Late charge.
Reasonable attorney's fees
Respectfully submitted,
\1YI\T..\..L\YrcaL.......,...
3
,"'
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
v.
: NO.
.
.
.
.
.
.
.
.
:
95-6523 Civil Term
YORK FARM CREDIT, ACA
plaintiff
TIMOTHY M. ALEXANDER and
PATRICIA A. ALEXANDER
Defendants
: Civil Action - Law
PROPOSED I'INnINGS 01' l'aC'l' IUfD
CONCLUSIONS 01' LaW or PLaInII'I'. YORK rJUUf CREDIT. aca
Plaintiff, York Farm Credit, ACA, pursuant to the pre-Trial
Conference Order of this Honorable Court per George E. Hoffer, Judge: "
I. PROPOSED FINDINGS OF FACT:
1. The Plaintiff, York Farm Credit, is the holder of a Mortgage
upon a 50.001 acre tract of real estate located in West pennsboro
Town.hip, CUlllberland County, Pennsylvania, owned by the Defendant.,
Timothy M. Alexander and patricia A. Alexander, husband and wife.
2. The Mortgage is collateral security for a Note dated March 29,
1989 in the amount of $140,000.00 given by the Defendants to the
Plaintiff.
3. The terms of the Mortgage have been made a part of the Note.
.... Defendants have failed to make the monthly payments called for
in the Note and Mortgage since March 1, 1995.
5. The Defendants have failed to pay the real estate taxes upon the
real e.tate which is the security under the Mortgage for the above
mentioned Note for tax years 1993 and 1994, which payments are required by
Paragraph Tenth of the Mortgage.
6. On August 15, 1995 the Defendants received the Notice of
Homeowners Emergency Mortgage Assistance Act of 1983 (Act 91) which notice
1
.' ..
waa .ant to them by the Plaintiff.
7. More than thirty (30) days have passed and Defendant Patricia A.
Alexander has not applied for financial assistance pursuant to Act 91.
8. Defendant Timothy M. Alexander was denied a Homeowners Emergency
Mortgage Assistance Loan by letter dated October 13, 1995 from the
Pennsylvania Housing Finance Agency.
9. The amount due under the terms of the Mortgage and Note as of
May 28, 1996 is as follows:
TOTAL
$124,157.74
17,530.97
171.00
6,700.00
$148,559.71
Unmatured principal
Interest
Late charges
Reasonable attorney's fees
10. Interest will continue to accrue with respect to the aforesaid
principal balance at the rate $36.304 per diem and late charges will
continue to accrue on the second day of each month commencing June 2, 1996
at the rate of $14.25 per month.
II. PROPOSED CONCLUSIONS OF LAW:
1. Defendants are in default in their obligations to the Plaintiff
under the Note and Mortgage dated March 29, 1989 for their failure to make
the payments called for under the Note since March 1, 1995 and their
failure to pay the real estate taxes upon the property subject to the
Mortgage for 1993 and 1994.
2. Defendants have received all the notices required by the
Homeowners Emergency Mortgage Assistance Act of 1983 (Act 91) and have
been denied relief thereunder.
3. Considering all of the circumstances surrounding the proceedings
in this matter, including the trial of this case, the attorney's fees
2
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
YORK FARM CREDIT, ACA
Plaintiff
NO. 95-6523 Civil Term
.
.
v.
.
.
TIMOTHY M. ALEXANDER and
PATRICIA A. ALEXANDER
Defendants
.
.
: Civil Action - Law
PROPOSKD J'INDINGS OJ' J'AC'l' aND
CONCLUSIONS OJ' Law OJ' PLAIN'l'IJ'J'. YORK J'UII CREDlor. ACA
plaintiff, York Farm Credit, ACA, pursuant to the pre-Trial
Conference Order of this Honorable Court per George E. Hoffer, Judge:
I. PROPOSED FINDINGS OF FACT:
1. The Plaintiff, York Farm Credit, is the holder of a Mortgage
upon a 50.001 acre tract of real estate located in West Pennsboro
Township, CUIIlberland County, Pennsylvania, owned by the Defendants,
Timothy M. Alexander and Patricia A. Alexander, husband and wife.
2. The Mortgage is collateral security for a Note dated March 29,
1989 in the amount of $140,000.00 given by the Defendants to the
Plaintiff.
3. The terms of the Mortgage have been made a part of the Note.
4. Defendants have failed to make the monthly payments called for
in the Note and Mortgage since March 1, 1995.
5. The Defendants have failed to pay the real estate taxes upon the
real estate which is the security under the Mortgage for the above
mentioned Note for tax years 1993 and 1994, which payments are required by
paragraph Tenth of the Mortgage.
6. On August 15, 1995 the Defendants received the Notice of
Homeowners Emergency Mortgage Assistance Act of 1983 (Act 91) wh1ch not1ce
1
w.. ..nt to them by the Pl.intiff.
7. Mor. th.n thirty (30) d.Y. h.V. p....d and D.fend.nt p.trici. A.
Alexand.r h.e not .pplied for financi.l .ssist.nc. pursuant to Act 91.
B. Def.ndant Timothy M. Alex.nd.r was d.nied . HOlll8own.rs Emergency
Mortg.ge Assistance Loan by letter dated Octob.r 13, 1995 from the
l'eIUWYlvani. Hou.ing Finance Agency.
9 . The lIIlIOunt due und.r the terms of the Mortg.g. .nd Note as of
May 2B, 1996 is a. follows:
unmatur.d princip.l
Int.rest
Lat. ch.rges
Re.son.bl. attorney's f.es
$126,157.76
17,530.97
171.00
6,700.00
$168,559.71
TOTAL
10. Inter..t will continue to accru. with respect to the aforeeaid
principal balanc. at the rate $36.306 per diem and late charges will
continu. to accrue on the second day of .ach month C()llllllllncing June 2, 1996
at the rate of $16.25 per month.
II. PROPOSED CONCLUSIONS OF LAW:
1. Defendants are in "efaul t in their obligationtl to the Plaintiff
und.r the Note and Mortgage dated March 29, 1989 for their failure to make
the payments called for under the Note since March 1, 1995 and their
failure to pay the real estate taxes upon the property subject to the
Mortgag. for 1993 and 1994.
2. Defendants have received all the notices required by the
HOlll8owners Emergency Mortgage Assistance Act of 1983 (Act 91) and have
be.n denied relief thereunder.
3. considering all of the circumstances sut'rounding the proceeding.
in this matter, including the trial of this case, the attorney's fees
2
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IN THB COURT OF COMMON ~LBAS OF CUMBBRLAND COUNTY, PBNNSYLVANIA
YORK FARM CRBDIT, ACA
Plaintiff
NO. 95-523 Civil Te~
v.
TIMOTHY M. ALBXANDER and
PATRICIA A. ALBXANDER
Defendants
Civil Action - Law
PRI-TRIAL NDIOIUUQ)UN
8UUI'l"l'U 8Y: TIIIOTIIY P. RU'I'II, ISQUID
a'l"l'OlUflY roR 'LaINTIrJ'
I. STATEMENT OF THE BASIC FACTS AS TO LIABILITY: Defendants
executed and delivered a Mortgage Note and Mortgage to Plaintiff
on March 29, 1989. Defendants have failad to .ake tiMly
payMnts .ince March 1, 1995. After notice. _ra given by
Plaintiff to Defendants in accordancs with applicable law
(Act 91) Defendants have not cured their default. Pursuant to
the term. of the Mortgage and Note Defendant. are liabla to
Plaintiff for the sum set forth in I: below.
II. A STATEMENT OF THE BASIC FACTS AS TO DAMAGES: The UIOunt due to
the Plaintiff under the tem. of the Mortgage with the Defendant
i. as follows:
Unaaturad principal as of May 1, 1996
Interest through May 1, 1996
Late charge through May 1, 1996
Attorney'. fees
TOTAL
8124,157.74
$16,550.76
$171.00
86.700.00
$147,579.50
Interest continues to accrue with respect to the aforesaid
principal balance at the rate of $36.304 per di_. Late charges
will continue to accrue at the rate of $14.25 per ecnth.
III. A STATEMENT AS TO THE PRINCIPAL ISSUES OF LIABILITY AND DAMAGBS:
A. Whether Defendants are in default of the Mortgage agr_nt
with the Plaintiff.
B. Whether all payments made by Defendants have been properly
applied by Plaintiff.
C. What is the amount due by Defendants to Plaintiff under the
terms of the Mortgage Agreement.
D. Whether the attorney's fees claimed are reasonable.
1
. I!
IV. LIGAL ISStm8 RBOARDING ADMISSABILITY OF TBSTIMONY. BXHIIIITS, OR
ANY OTHIR MATTBR: None.
V. IDINTITY OF WITNISSES:
A. Gregory S. Cornwell
3301 Weat Merket Street
York, PA 17.0.
B. ~-~r of Cuabar1and County Bar to be identified at Pre-
Trial Conference to teatify aa to reaeoneb1enaaa of
attorney'. f... c1ai-.4.
VI. LIST OF EXHIBITS:
A. Real Batate Loan Note between Plaintiff and Defendant.
dated March 29, 1989.
B. Mortgage between Plaintiff and Defendant. dated Merob 29,
1989.
C. Notice of H~owner. s.ergency Mortgege A..i.tance Act of
1983 dated Auguat 10, 1995.
D. Pennaylvania Houaing Finance Agency corre.pondance to York
Fare Credit dated October 13, 1995 - notice of deni.1 of
Defendant. application.
VII. CURRINT STATUS OF SETTLEMBNT NEGOTIATIONS: T 0
negotiation. have not produced a .ettl...nt.
Reapectful1y .u~itted,
S
date,
thy u h, Baquire
Supr... t ID '2602.
35 South Duke Str..t
P. O. Box 5167
York, PA 17.05-5167
(717) a.6-9800
'on'YI.'''L '''''-lUUIIDII, ""
2
vs.
TIMOTHY M. ALEXANDER and
PATRICIA A. ALEXANDER,
Defendants
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
NO. 95-6523 CIVIL TERM
YORl< FARM CREDIT, ACA,
plaintiff
DEFENDANTS'
PRE-TRIAL MEMORANDUM
1)
LIABILITY:
The Defendants are liable under a bond and
mortgage to the Plaintiff.
2) DAMAGES: The Defendants have told their attorney that a
principal prepayment was not properly applied by the Plaintiff.
3)
ISSUES:
The Defendants do not anticipate any major issue
provided the Plaintiff provides a proper accounting of the payments.
4) LEGAL ISSUES: None anticipated,
5) WITNESSES: Mr. and Mrs. Alexander.
6) EXHIBITS: Payment records of Mr. and Mrs. Alexander.
7) SETTLEMENT: The Plaintiffs have offered to permit the
Defendants time to sell the property so as to permit them to preserve
their equity in the property. The Defendants have not responded to
their attorney as to any prospect for sale of the property.
Respectfully submitted,
O'BRIEN, BARIC & SCHERER
By
r ~1)P".)J.-
Robert L. ~en, Esquire
Attorney for Defendants
1.D. II 28351
17 West South Street
Carlisle, Pennsylvania 17013
(717) 249-6873
.,
.
SHERIFF'S RETURN - REGULAR
CASE NO. 199~-1ll6~23 P
CORRON WEALTH OF PENNSYLVANIA I
COUNTY OF CURIERLAND
YORK FARN CREDIT ACA
VS.
ALEXANDER TIROTHY N ET AL
RO.ERT L. FINK. SR. . Sheri~~ or D.puty Sheri~~ o~
CURIERLAND County, Penn.ylvani., who being duly .worn .ccording
to law, ..y., the within CONPLAINT wa. ..rv.d
upon ALEXANDER PATRICIA A the
d.~.nd.nt, .t 1~481111111 HOURS, on the ~ d.y o~ Nov..b.r
19~ at 116. CREEK ROAD
CARLISLE. PA 17813 . CUMBERLAND
County, Penn.ylv.ni., by handing to PATRICIA A. ALEXANDER
a true .nd .tt..t.d copy o~ the COMPLAINT .
and at the .... ti.e directing ~ attention to the content. th.r.o~.
Sheri~~'. Co.t..
Dock.ting
S.rvice
A:f~idav1t
Surch.rg.
.
6,llllll So ~/.n. ",,~~,.,....e<,. ~
.1lI1ll 1-"
.1lI1ll
2.0e K. ThO... K~1n., 5n.r1ZZ
.e.~~ 5TOCK AND LEADER
11/22/199~~~
by ~ _----'--7h~ ~
.pu r
Sworn .nd .ub.cribed to be~ore .e
thi. II:: d.y o~ ~u...L-
19 1<' A. D.
C\ .~'.....O }~ otO.n2':
I I f'ra~honoT.r-y j- I
.
YORK FARM CREDIT, ACA
plaintiff
IN THE COURT OF COMMON PLEAS or
CUMBERLAND COUNTY, PENNSYLVANIA
No. 95-6523 CIVIL TERM
v.
TIMOTHY M, ALEXANDER and
PATRICIA A, ALEXANDER,
Defendant
CIVIL ACTION-LAW
...0.
1. Admitted,
2, Admitted.
3. Admitted,
4, Admitted.
5. Admitted,
6, It is denied that the Defendants have failed to make
payments since March 1, 1995, At the end of February, 1995 the
Defendants at the request of plaintiff, made a payment which paid
their mortgage through June 30, 1995. During this same time frame
the Defendants had, at the plaintiffs requer.t placed the real
estate for sale.
7. The Defendants acknowledge receipt of the Act 91 notice.
8. Admitted,
9, Admitted.
10. Admitted,
11, The amount claimed by the plaintiff is excessive in that
the past due interest is substantially less than the $9,616.70
claimed tt.rough October 23, 1995. Additionally, the attorneys fees
charged are not reasonable,
WHEREFORE, Defendants request that the Court determine the
amount due the plaintiff by the Defendants,
D1f MAn..
12. The Defendants aver that the fair market value of their
real estate with improvemente is approximately $230,000,00,
13, The Defendants aver that they have not b4!len given a
proper credit for a large payment made in February, 1995 to
Plaintiff,
Reepectfully submitted,
O'BRIEN, BARIC' SCHERER
Date: \"2.\,..\qS'"'
.....-:J t -t J r--D A . ft
~~'1-- -.
Robert L, O'Brien, Esquire
I.D. '28351
17 West South Street
Carlisle, Pennsylvania 17013
(717) 249-6873
'.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
YORK FARM CREDIT, ACA
Plaintiff
NO. 95-6523 Civil Term
v.
TIMOTHY M. ALEXANDER and
PATRICIA A. ALEXANDER
Defendants
Civil Action - Law
REPLY TO NEW MATTER
AND NOW, this 27th day of December, 1995, comes the Plaintiff, York
Farm Credit, ACA, and avers in response to the matters set forth in
Defendants' New Matter the following:
12. Denied. It is denied that the fair market value of Defendants'
real estate with improvements is approximately $230,000.00.
On the
contrary, it is averred upon Plaintiff's reasonable belief that the fair
market value of Defendants' real estate is $175,000.00. Proof thereof to
the contrary, if relevant, is demanded.
13. Denied.
It is denied that Defendants have not been given a
proper credit by Plaintiff for a large payment made in February, 1995. On
the contrary, it is averred that the large payment made by Defendants in
February, 1995 cured Defendants' delinquency at that time and brought the
loan current. Said payment did not constitute a prepayment, and as Bet
forth in Plaintiff's Complaint Defendants are in default under the terms
of the Mortgage Note and Mortgage by virtue of their failure to make the
payments due under the terms of the Mortgage Note and Mortgage on a timely
basis since March 1, 1995. All payments made by Defendants to Plaintiff
have been properly credited.
1
PRAECIPB fOR LISTING CASB FOR TRIAL
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(Itlst be typewritten and sul:rnitted in duplicate)
'W 'l1lE pRJMHIl'l\RY OF ClMlERLAJ'I) COUNl'Y
...,
Please list the following casel
...( .
(Check one)
i'I'
.. .
for JURY trial at the next term of civil ;,~.:;,
: U)
ll) for trial witlxlut a jury.
-----------------------------------------
CAPl'ICfi OF CASE
(entire caption nust be stated in full)
YORK FARM CREDIT, ACA
(check one)
(ll
Civil Action - Law
Appeal fran Arllitration
(other)
(plaintiff)
VB.
TIMOTHY M. ALEXANDER and
PATRICIA A. ALEXANDER
The trial list will be called on 4/22/96
and
(Defendant)
Trials coomence 011 5/20/96
Pretrials will be held on 5/1/96
(BriefS are due 5 dlIys before pretrials. )
(The party listing this case for trial shall
provide forthwith a copy of the praecipe to
all counsel, pursuant to local RIle 214.1.)
VB.
No, 95-6523 Civil Term
19
Indicate the attorney who will try case for the party who files this praecipe.
Timothv P. Ruth. ESQuire
Robert L, O'Brien, ESQuire
Indicate trial counsel for other parties if knOWIlI
This case is ready for trial.
,,_. CJ-1!f/W
Print Nanec Ti mnthy P Ruth. fcqlli rll
Date.
1001\
Attorney forI
Plai ntiff
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FOAM 1, VOlUNTARY PETlTlON
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United sw.. BeI*nJpIcy Ccut
_at PENNSYLVANIA
VOlUNTARY
PETmON
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ALD.ANDEA. TIMOTHY MARK
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ALEXANDER. PATRICIA ANN
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CUMBERLAND
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INOMPUAL JOINT DEBTDR(S) CORPORATE DR PARTNERSHIP DEBTOR
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.......- INt ano COtl'ect and ,,,..In. tiling 01 thll petition on bth&II' at 1M deOtOf hM .....
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~u" ~J1- J9PL Pnnt Of Type HarM 01 Aull'\Ofl,MInclMCI,*
~~ ~11.n L ~ TiUI Of InOMd.. AuthonhCI by DHlof 10 flit UlII PItJbOn
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- ALElCANPER, TI OTHY MARK
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R PATRICIA ANN Olilq
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