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GREAT VALLEY SAVINGS BANK,
Successor in Interest to Central
Pennsylvania Savings Association,
Plaintiff
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
v.
NO. {/ ~ ! 4 f
/~, ./. 1
L LV-LL \'/L.l-I""-'
KATHIE J. ACKALUSKY,
Defendants
: CIVIL ACTION - LAW
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NOTICE
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 other claim or relief requested by the Plaintiff,
You may lose money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
CUMBERLAND COUNTY LAWYER REFERRAL SERVICE
COURT ADMINISTRATOR
Fourth Floor Cumberland County Court House
1 Court House Square
Carlisle, PA 17013
(717) 240-6200
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NOTICIA
Le han demand ado a used en la carte. SI lJsed qulere defenderse de estas
demandas expuestas en las paginas slguientes, used Ilene vlente (20) dias de plazo al
partir de la fecha de la demanda y la nolificacion. Used Debe presentar una apariencia
escrita 0 en persona 0 por abogado y archivar en la carte en forma escrlta sus defensas
o sus objeclones alas demandas en contra de su persona. Sea avisado que sl used no
se defiende, la carte tomara medldas y puede entrar una orden contra used sin prevlo a
vlso 0 nolificacion, y por cualquier queja 0 alivio que es pedido en la pelicion de demanda.
Used puede perder dinero 0 sus propiedades 0 otros derechos importantes para used.
LLEVE ESTA DEMANDA A UN ABODAGO INMEDIATAMENTE. SI NO TIENE
ABOGADO 0 SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA
EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE
ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE
CONSEGUIR ASISTENCIA LEGAL.
CUMBERLAND COUNTY LAWYER REFERRAL SERVICE
COURT ADMINISTRATOR
Fourth Floor Cumberland County Court House
1 Court House Square
Carlisle, PA 17013
(717) 240-6200
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GREAT VALLEY SAVINGS BANK,
Successor In Interest to Central
Pennsylvania Savings Association,
Plaintiff
IN THE COURT OF COMMON PLE=AS
CUMBERLAND COUNTY, PENNSYLVANIA
v.
NO.
1996
KATHIE J. ACKALUSKY,
Defondant
: CIVIL ACTION - LAW
COMPLAINT
AND NOW, comes the Plaintiff Great Valley Savings Bank, by its attorneys,
Caldwell & Kearns, and does file the fOllowing Complaint against Defendant Kathie J.
Ackalusky, stating in support thereof the following:
1. Plaintiff Great Valley Savings Bank is a Pennsylvania bank and trust
company duly incorporated and existing under the laws of the Commonwealth of
Pennsylvania, with its principal place of business located at 210 North Fifth Street,
Reading, Berks County, Pennsylvania 19063.
2. Plaintiff, by merger, did acquire and succeed to the interests and assets of
Central Pennsylvania Savings Association, formerly a Pennsylvania banking corporation,
on or about October 1, 1994. Furthermore, it Is noted that Fulton Bank, also a
Pennsylvania banking institution duly incorporated and existing under the laws of the
Commonwealth of Pennsylvania, with its principal place of business located at One Penn
Square, Lancaster, Lancaster County, Pennsylvania, who is the authorized servicing agent
for Great Valley Savings Bank in various geographical areas in the Commonwealth of
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Pennsylvania, to include Cumberland County, where it does have multiple places of
business located therein.
3. The Defendant Kathie J. Ackalusky is an adult individual whose last known
address is 9A Richland Lane, Apartment T2, Camp Hill, Cumberland County, Pennsylvania
17011.
4. On or about July 1, 1987, in consideration of a loan given by Central
Pennsylvania Savings Association to Defendant Kathie J. Ackalusky, said Defendant did
deliver and execute to Central Pennsylvania Savings Association, now Great Valley
Savings Bank, a certain Note and accompanying mortgage ,whereupon Defendant
promised to pay the sum of $34,000.00 to Central Pennsylvania Savings Association with
interest at the rate of 9.50%. A true and correct copy of said Note is attached hereto,
marked Exhibit "A" and made a part hereof by reference thereto.
5. As stated, said Defendant did also execute and deliver to Central
Pennsylvania Savings Association as security for the full and timely payment of said Note
a mortgage on certain improved real estate located at RD 2, South Middleton Township,
Cumberland County, Pennsylvania. A true and correct copy of said mortgage is also
attached hereto, marked Exhibit "B" and made a part hereof by reference thereto. Said
mortgage was thereafter recorded on or about July 8, 1987, in and for the Office of
Recorder of Deeds of Cumberland County in Mortgage Book 873, Page 53.
6. The obligation as memorialized by said Note did provide that said Defendant
would commence making payments on August 1, 1987, and continue thereafter each
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consecutive month until the full amount of the obligation, to include principal and accrued
interest, was fully paid. As further agreed, the amount of the monthly payment to amortize
said obligation over a period of fifteen (15) years, the term of the Note, would be Three
Hundred Fifty-Five and 04/100 ($355.04) Dollars per month.
7, Said Defendant failed to pay the monthly obligation due commencing July
1, 1995 and has failed and/or refused to pay any payment thereafter.
8. By virtue of said inactions by Defendant, the obligation initially became in
default on July 16, 1995, and remains in default, despite a demand by Plaintiff.
9. The Defendant is presently in default on said obligation in the following
amounts: Principal - $21,794.46; Accrued Interest through December 19, 1995 _
$1,137.35; Negative Escrow Charges - $155.15; and Late Charges as provided by the
instrument - $12425; for a Total of $23,211.21, Furthermore, the interest is accruing on
said obligation at a per diem of $5.67 per day after December 19, 1995, along with
continuing escrow advancements and collection costs as authorized.
10. As provided in the Note, Exhibit "A", a reasonable attorney's fee of $1,500.00
is demanded.
11. By virtue of the collateral mortgage, the said servicing agent Fulton Bank did
issue to Defendant a notice under the Homeowner's Emergency Mortgage Assistance
Program (Act 91), on or about May 26, 1995. A true and correct copy of said notice with
accompanying mailing certificate is attached hereto, collectively marked Exhibit "C" and
made a part hereof by reference thereto. Said Defendant did make an Application for a
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loan thereunder but was denied same by notice of August 31, 1995, which is also attached
hereto with Exhibit "CO.
12. Furthermore, servicing agent Fulton Bank did also send on or about October
6, 1995, a notice of intention to foreclose the mortgage to said Defendant. A true and
correct copy is also attached hereto, with a copy of the postal receipt form signed by said
Defendant dated October 13, 1995, which are attached hereto, collectively marked Exhibit
"0" and made a part hereof by reference thereto.
13. Plaintiff has made demand of said sum from Defendant and Defendant has
failed and/or refused to pay same or any portion thereof.
WHEREFORE, Plaintiff respectfully requests Your Honorable Court enter judgment
in favor of Plaintiff and against Defendant Kathie J. Ackalusky in the amount of
$24,711.21, plus any additional accrued interest after December 19, 1995.
Respectfully submitted,
Dated: I, J.() - q (,p
G.\DATA\JRC\00312\2053L\64043.1
By:
J mes Clippinger, E quire
Attorney. 1.0. #07159
Attorney for Plaintiff
Great Valley Savings Bank
3631 North Front Street
Harrisburg, PA 17110
(717) 232-7661
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VERIFICATION
I, Charlotte Anderson, ~/:C~. p, ".~. dr""lof Great Valley Savings Bank, verify
that the statements and averments contained in the foregoing Complaint are true and
correct upon my personal knowledge, information and belief. 1 understand that false
averments herein are made subject to the penalties of 18 Pa, C,S, ~904 relating to
unsworn falsification to authorities,
GREAT VALLEY SAVINGS BANK
By: O""~'->.n~ (~) CL.,,-<.t... DoC> ___
Dated: 1-/1- ~<o
G:\DATA\JRC\00312\2053L\641431
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NOTE
July 1,
...............,..................,...........0...............
87
19..........
Hershey Pennsylvania
,...".......",..,...,..................... ...,........,.................,...........
ICily) 1511111
RDH2, Box 169, Gardners, Pa, 17324
............."............",....,............................."'...............'.i;;;~.Add;~.;;i.....'...,.........,...................,..........,.............................,....
I, BORROWER'S PROMISE TO PAY 34 000 00 .
In return ror a loan thai I have received. I promise 10 pay U.S. $.........(........:..............,........ (Ihls amounlls called
..princl~I..~itlus interestvo Ihe orderorlhe Lender. The Lender Is ......................................................................................
.........~..~T......~.r.~~~~XL~!:!!~.~~.'t!~9.~.~~~!?!;!~I!Q!':l..............,.......,.................................................... I undenland
thai Ihe Lender may Iransrer Ihls NOle. The Lender or anyone who lakes this NOle by Iransrer and who is enlltled 10
receive paymenls under this Note Is called Ihe "Note Holder."
2. INTEREST .
Inleresl ;.oill be charsed on unpaid principal until Ihe rull amount or principal has been paid. I will pay interesl al a
yearly rate or ..........?\.?.9......... %.
The Inleresl rale required by Ihls Secllon 2 is Ihe rate I will pay bolh before and aner any derault described In
Section 6(B) orlhis Note.
3. PAYMENTS
(AI Tlmeand Place or Paymenll
I will pay principal and Interesl by maklns paymenls every monlh.
. , I will make my mon'hly paymenls on Ihe ...~~....... day or each month besinnlns on ........!.\~~,.!.(,..................
19.....J!7 I will make these payments every monlh until I have paid all or Ihe principal and interest and any olher charses
described below Ihall may owe under this Nole, My monlhly paymenls will be applied to Interesl berore principal. Ir. on
.................l1:llly...l..............., ....?9.Q;?... Islill owe amounts under Ihis Note. I will pay those amounls in rull on Ihal dale,
which is called the "malurity dale."
I will make my monlhly payments at ....!.~~.~~!!..!!!~.~p..~.':'.~~!!~.~..~.~~!!!!!.::;',.~~!!~!:'.~.I.':'!..~!!!!!!~y.!~!!!!!.~..m!..t.......
...........................................,.............,...........,.......... or at a dilferent. place ir required by Ihe Note Holder.
(81 Amount or Monthly Payments
My monthly payment will be in the amount or U.S. $........:.~~.?,.g.1........................
4. BORROWER'S RIGIIT TO PREPAY
I have Ihe risht 10 make paymenls or principal al any time berore they are due. A paymenl or principal only Is
known as a "prepaymenl," When I make a prepayment. I willlelllhe Note Holder In wriling Ihall am doing 10.
I may make a rull prepaymenl or partial prepayments withoul paying any prepayment charge. The Note Holder
will use all or my prepayments 10 reduce Ihe amounl or principal Ihal I owe under Ihis Note. Ir I make a partial
prepaymenl, there will be no chanses in the due dale or in Ihe amount or my monthly paymenl unless Ihe Nole Holder
agrees in writing 10 Ihose changes.
5. LOAN CHARGES
Ir a law. which applies to Ihisloan and which sets maximum loan charges. is finally interpreted so Ihatlhe interest
or olher loan charges collecled or 10 be collecled in conneclion wilh Ihis loan exceed the pennilled limits, Ihen: (i) any
such loan charge shall be reduced by Ihe amounl necessary to reduce Ihe charge 10 Ihe pennilled limit; and (ii) any sums
already collected rrom me which exceeded pennilled limits will be rerunded to me, The Note Holder may choose 10 make
Ihis rerund by reducing the principal I owe under Ihis NOle or by making a direct payment to me. Ir a rerund reduces
principal. Ihe reduclion will be Irealed as a parlial prepaymenl.
6. BORROWER'S FAILURE TO PAY AS REQUIRED
(AI Late Charge for Overdue Paymenll
Irthe Note Holder has nol received Ihe rull amounl ohny monlhly payment by the end or ...,..,....J~,........ calendar
days aner the date it is due, I will pay a late charge to Ihe NOle Holder. The amounl orlhe charge will be ......~......,% ormy
overdue payment or principal and inlerest. I will pay Ihis late charge promptly bUI only once on each lale payment.
(BI Ddault
Ir I do not pay Ihe rull amounl or each monthly paymenl on Ihe dale it is due. I will be in derault.
(e) NolleeorDdault
Ir I am in derault, the Nole Holder may send me a wrillen notice lelling me Ihatl( I do not pay Ihe overdue amounl
by a certain dale. the Note Holder may require me to pay immediately Ihe rull amounl of principal which has nol been paid
and alllhe interesl thai I owe on Ihat amounl. Thai date musl be al leasl 30 days aner Ihe date on which Ihe notice is
delivered or mailed 10 me,
(01 No Waiver By Note Holder
Even ir. al a lime when I am in derault. the Note Holder does not require me to pay immediately in rullas described
above. Ihe Note Holder will still have Ihe right 10 do 10 irr am in derault al a laler time.
(EI Payment of Note Holder'. Cosls and Expenses
Ir the Note Holder has requireil me 10 pay immediately in rull as described above. the Note Holder will have the
righllO be paid back by me ror all or its cosls and expenses in enrorcing this Note to the eXlent not prohibited by applicable
law. Those expenses include. ror example. reasonable anomeys' rees.
7. GIVING OF NOTICES
Unless applicable law requires a dilferenl method. any notice thai must be given to me under Ihls Note will be given
by delivering it or by mailing It by firsl class mall to me atlhe Property Address ahove or at a dilferenl address ir I give the
Note Holder a notice or my dilferent address.
Any notice Ihal must be given 10 Ihe NOle Holder under Ihls Note will be given by mailing it by finl class mail 10 the
Note "older at the address slaled In Section 3(A) above or al a dllferent address if I am given a nOlice or that dilferenl
address.
MULTISTATE FIXED RATE NOTE-Slnll. flmlly-fNMAlfHLMC UNIfORM INSTRUMENT form 3200 12/83
UIOIIA, IYITI". AND 'ORIII
CHICAGO. IL
8. OBLIGATIONS OF PERSONS UNDER TIfIS NOTE
Jr more Ihan one penon alanalhia Nole, each penon II fully and penonally obllaaled 10 keep all of Ihe proml...
made in Ihia NOle, includin. Ihe promise 10 pay Ihe full amounl owed. Any penon who is a auaranlor, aurely or endoner
of Ihla NOlels also obllaaled 10 do Ihese IhiniS. Any penon who lakes over Ihese obllaalions,lncludinalhe abllaatlons of a
auaranlor, aurely or endoner oflhls NOle,laalso obllaaled 10 keep all orthe promises made in Ihia Nole, The NOle Holder
may enforce Ita riahls under Ihia Nole aaainal each penon individually or aaainsl all of us loaelher. This means Ihal any
one of us may be required 10 pay all orthe amounls owed ullderthis Nole.
II. WAIVERS
I and any olher penon who has obllaallona under Ihla Nole walvelhe riahla of presenlmenl and nollce of dlahonor.
"Presenlmenl" meana Ihe riahl 10 require Ihe Nole Holder 10 demand paymenl of amounla due. "Nollce of dishonor"
meanalhe riahllo requlrelhe NOle Holder 10 alve nollcelo olher penonslhal amounls due have nol been paid,
10. UNIFORM SECURED NOTE
This NOlela a unlfonn Inalrumenl wllh limited variatlonaln aome jurisdlcllons. In addition 10 Ihe prolecllonaalven
10 Ihe Nole Holder under Ihls Nole, a Morlaa.e, Deed ofTrusl or Security Deed (I he "Securily Inslrumenl"), daled Ihe
same dale sa Ihls NOle, prolects Ihe Nole 1I0lder from possible loues which mlahl result If I do 1101 keep Ihe promi...
which I make In Ihla Nole. ThaI SecurilY Inslrumenl describes how and under whal condilions I may be required 10 make
immedlale paymenlln full of all amounlsl owe under this Nole. Some orthose condillona are described 81 followa:
Trauter at tbe Property or a Benellclallnterea. In Borro"er, If all or any pari of Ihe Properly or
any Inlereal in il is sold or transferred (or If a benellclallnleresl In Borrower is sold or Iransferred and
Borrower la nol a nalural penon) wilhoul Lender'a prior wrillen consenl, Lender may, al ils opllon. require
Immedlale paymenl in full of allaums secured by Ihls Securily Inslrumenl. However, Ihis oplion shall nol be
exereised by Lender if exercise is prohibited by federal law 81 orthe dale orthls Securily Inslrumenl.
Ir Lender exerel... Ihis opllon, Lender ahallaive Borrower notice of acceleralion. The notice shall
provide a period of nOI less Ihan 30 days from Ihe dale Ihe nolice is delivered or mailed within which
Borrower musl pay allauma secured by Ihla Securily Inalrumenl. IrBorrower falls 10 pay Ihese aums prior 10
Ihe explrallon of Ihia period, Lender may Invoke any remedies pennllled by Ihls SecurilY Inslrumenl
wlthoul furlher nOllce or demand on Borrower.
WITNI!5S THE HAND(S) AND Sl!Al.(S) OPTHE UNDERSJONED.
~'Ka1f!lr.d<"(j;;kY~""'''''''''''''''''''':ei~
........................................................,......................................................(SeaJ)
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...............,...............................................................................................(Seal)
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{Sign Originv Only}
l/WE HEREBY ACKNOWLEDGE RECEYPT OF A
COpy OF TIlE MORTGAGE AND NOTE OR BONn
AND WARHANT WlIil.'H I/WE E..XECUTED IN
C:~DER TO CLOSE TIllS 'l'RANSACTION.
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01950262
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RECOROl:[)" ,:rFIl.~ lot' 'THl
REConOtll OF O~E.OS
CUI.mCrt.\pr ",,";',' .:,'
'81 JUL 8 pt\ I I:ti
ISpIc. Abo.. _ Uno ,.. a_din. Dml
MORTGAGE
THIS MORTGAGE ("SecuriIY Inj'rument'1 is"iyen on ................~~~..~.~.........a........'..............2......h............
19...\11,.. The mortgasorls .......I$!\':I1!!!t......:...~!;.!L..~...!1.~.r..I....!!.t~~.!,!!...~!?!1!,~.~.I.......!!...M!?!:,!ih......!!.!;......!1.!i.:..'
.1I.u..I:J.1I1:11.\1;'.9"....1.'.1I.............................,....... ~Dorrower"). This Seeurity Instrument is giyen to ......~)i:.ff.':\'.R!llk........
1.'.r;.N.N~.X.HY.l\~~.fI....Ml!.1;.N~U1....fI.~!il.!?!;.1;~...!.9..N....,..........,....................................., which is o,rjlanizcd and existing
under the laws or ....1;.l1~...C.QmmQ.n.w.QII.:l.1;.l1...QJ:...r.lI..,.........,. and whose address is ........1..O'9....l'/.IU!!:-......,.................
;l;.Il..,,~P.Il.a~g.n.Il,Il...I?I;...,....I?ll.\\m!?.l5.~.Il.,....P..Il.11 !:I.I,.l(,l.y.p,.,n.t~................................,............................. (" Lender").
Borrower owes Lender the principal sum or ......:r.I!.1;.R:n.;:;.f..9..ll.!L.1.1.H?!1.!l.l\~p.....!i....Q.g.I..9..Q.....,..................................
.................................................................. Dollan (U.S. S..~.~..I.g.g.!!,~..9.!L.....). This d.bt is evidenced by Borrower's nole
dated the same date as this Security Inslrument S!1tote'~. w~8:froYides ror monthly payments. with Ihe rull debt. ir not
paid earlier. due and payable on ..................,...,..........y.....I..,.........................................,................ This Securily Instrument
secures to Lender: (a) the repayment or the debt evidenced by the Note. with interest. and all renewals. extensions and
modifications; (b) Ihe payment or all other sums. with interest. advanced under paragraph 7 to proteet the security or this
Securily Instrument; and (c) the performance or Borrower's coyenants and agreements under this Seeurity Inslrument and
Ihe Note. For Ihis purpose, Borrower does hereby mortgage, grant and convey to Lender Ihe rollowing described property
located In ...,...............,C,UlllbIU..:l.and...,........................................................................................ County. Pennsylyania:
ALL THAT CERTAIN tract of land together with buildings and
improvements thereon erected, situate in South Middleton Township,
Cumberland County, Pennsylvania, more particularly bounded and
described as follows.
BEGINNING at a point in the center line of Legislative Route
21030, also known as the Bendersville Road, at corner of lands now
or formerly of the Uriah United Methodist Church, thence along said
lands now or formerly of the Uriah United Methodist Church North
21 degrees 32 minutes East 132.30 feet to an iron pin, thence by
other lands of the said church herein, North 9 degrees 41 minutes
46 seconds east 8 feet to an iron pinl thence by lands now or
formerly of Lester Starner, 73 degrees 14 minutes 16 seconds east
140.00 feet to an iron pinl thence by the same and lands now or
formerly of Lester Starner North 10 degrees 52 minutes 10 seconds
east 21.90 feet to a steel pinl thence by said lands now or formerly
of Lester Starner South 80 degrees 29 minutes 12 seconds east 77.25
feet to a steel pinl thence by the same South S degrees 30 minutes
54 seconds west 62.20 feet to a steel pin, thence by same South
28 degrees 14 minutes 19 seconds east 123.70 feet to a point
in the center of the said LegiSlative Route 21030/ thence by the
center line of the said LegiSlative Route 21030 by an arc to the
right of a distance of 322.22 feet, more or less, to a point, the
place of beginning. CONTAINING .8678 acres, more or less, and
(Continued on Attached Sheet)
which has the address or .........R!?H....~.,....~.9..l!..J,!i.l!...............,.......................9.~ h.!l,!l.llh.II..,..........................,..,............,
ISI,",) (CIIy)
Pennsylyania .......,..............~.I~.~,~.................... ("Property Address");
IZI. Codll
Too ETHER WITH all the improyements now or hereaRer erected on the property. and all easemenlS. rigllls,
appurtenances. rents. royalties. mineraI, 011 and gas rights and profits. water righlS and stock and all fixtures now or
hereaRer a part orthe property. All replacements and additions shall also becoyered by this Security Instrument. All orlhe
roregoing is rererred to in this Security Instrument as the "Properly."
BORROWER COYENANTS that Borrower is lawrully seised or the estate hereby conveyed and has the right to
mortgage. grant and convey Ihe Property and that the Property Is unencumbered. except ror encumbrances or reeord.
Borrower warrants and will derend generally the title to the Property against 011 claims and demands, subject to any
encumbrances or record.
TillS SECURITY INSTRUMENT combines unirorm covenants ror national use and non.unirorm covenants with
limited variations by jurisdiction to constitute a unirorm security instrument covering real property.
800K b73 rAtE 53
PENNSYLVANIA-slna" fomlly-'NMAI'HlMC UNIFORM INSTRUMENT
Form 3039 12/83
.UN lAP IYITIM, AND '0"'"
CHICAGO. It.
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UNIFORM COVENANTS. Dorrow.r and L.nd.r cov.nanl and agr.. as follow",
I. Paym.nt or Principal and Inl.r..I; Prepaymenl and "ale Charlie., lIorrower shallpromplly pay wh.n due
th.prlncipal of and int.r.'1 on the debt evld.nced by Ih. Not. and any pr.paym.nl and late ch.rges due IInder Ih. Nol..
2. Fund"or Talennd In.uranee, SUbJecllo aflplic.bl.law IIr 10. wrlll.n w.iv.r by L.nder, lIorrower .111111 pay
to Lend.r on Ihe day monlhly p.ym.nls arc due und.r Ih. NIII., untillh. Not. is p.ld in filII, a Slllll ("l'lInds") .qll.IIO
on..tw.lOh of: (a) y..rly I.... .nd a..emoenl. which lIIay allain priorlly over .Ihis Secllrily h~slrlllllenl; (h) yearly
leasehold paym.nls or ground renls on Ihe Prop.rly, If any; (c) ye.rly hozard 1II,"rance .prelIllIlIllS; and hi) yearly
morlgage insurance pr.mium.. if any. These il.ms are called "..crow lIellls." L.nder may e.tllnate the Funds due onlh.
basisofcurr.nl data and r.asonabl.eslimal.. offuture escrow lI.m..
The Funds shall be h.ld in an institulion Ih. d.po.lls or account. of which ar.lnsured or guaranl.ed hy a fed.ral or
slale ag.ncy (including under if Lender i. .uch an institulion), L.nder sh.1I apply Ih. ~ul~d. III puy Ihe e~crow lIelll..
Lender may nol charg. for hnlding and .pplying Ih. Fllnds, .nalyzing Ihe accounlor ve"fYlIIg Ihe ..crow IIems, IInle..
Lend.r pays Dorrow.r inl.r..t on the Fllnd. and applic.hle law permil' Lcndcr to m.ke suc!, a charge. 1I0rrower and
Lend.r m.y .gree in writing Ih.1 inleresl .h.1I be p.id on Ih. I'lInds. Unless an agreement .IS m.de or apphc.hl. I.w
requires interest 10 be paid, Lend.r shall nnl be r.quired to pay lIorrow.r Rny inlercsl ~>r e.nllngs onlhe "Ullds. Lender
shall giv. 10 Dorrower, wilhout ch.rg.. an annual Rccounting of the Funds showing credlls and debits to the Funds .nd the
purpose for which each d.blllo Ihe Funds w.s made. The Funds are pledged.s addllional securily for Ihe SUIIIS secured hy
Ihis Securlly Instrument. .
Iflhe amount oflhe Funds held by Lend.r, 10g.lher with Ihe fulure monlhly paymenls of Fund. payable pnor 10
the due d.t.. oflhe escrow it.ms, shall e...ed the amounl r.quired 10 p.y Ihe escrow lI.ms when due, Ihe e.cess shall be,
at Borrower's opllon. either promplly repaid 10 1I0rrow.r or credited to 1I0rrower on monthly p.ym.nls of Funds. If the
amounl oflh. Funds held by L.nder is not suffici.nt to pay Ihe escrow lI.ms wh.n due, Dorrow.rsh.llp.y 10 Lender any
amount nc:ccs.'I8ry to make up the defici.ncy In one or more p.yments as required by L.nder.
Upon paym.nl in full of all sums .ecured by this Security Instrumenl. Lender sh.llpromptly refnnd 10 lIorrower
any Funds hcld by Lender. If under p.r.graph 19th. ProperlY I. .old or acquired by L.nder, Lender .hall apply. no 1.ler
than Immedialely prior to Ih. sale of the Properly or ils acquislllon by Lend.r, any Funds h.ld by L.nder .tlhe IIl11e of
application as a credll agaln.tlhesums .ecured by Ihls Security In'lrum.nl.
3. Application or Paymen... Unless applicable law provides ntherwlse. allpaymenls received by Lender under
paragraphs I and 2 shall be applied: first. to late ch.rg.. due under th. NOle; second, 10 prepaym.nl ehargcs due und.r Ih.
NOle; third. to amounts p3yabl. under paragraph 2; fourlh, 10 Int.rest du.; and lasl. toprincip.1 due.
4. Charges; LI.... Borrow.r .hallpay allta.es. a....sments. charg.., fines .nd Imposition. allribulable to th.
Properly which may allain priority over Ihis Security Inslrum.nl. aod I.as.hold p.ymenls or ground rents, if any.
Borrow.r shall pay Ihese obligations in the mann.r provided in paragraph 2, or if notp.id in Ih.lmanner, lIorrower shall
pay Ihem on lime directly 10 Ih. person owed p.ymenl. Borrower shall promptly furnish 10 Lend.r all nOllc..of .mounls
to be paid under Ihis paragraph. If Borrower makes Ihese paym.nts direclly, Borrow.r shallpromplly furnish 10 Lender
ree.ipls evid.nelngth.paym.nts.
Borrow.r shall promptly disch.rge any Ii.n which has priority ov.r this Securily Instrument unless 1I0rrower: (a)
agrees in writing to Ihe paymenl ofth. obligation secured by Ih.lien in a m.nner accepl.ble 10 Lender; (b) conlests InglKKl
fallh th.lien by. or def.nds against enforcem.nl oflhe lI.n in, I.galproc.edings which in the Lender'. opinion oper.l. III
pr.venllhe enfore.ment oflh.li.n or fonellure of any parI of the Properly; or (c) secures fromlhe holder of Ihe lI.n an
agreemenl salisfaclory 10 Lend.r subordinalingthe lI.n to Ihis SecurilY Inslrum.nl. If Lender d.lermines thai any p.rt of
Ih. Properly is subJect 10 a Ii.n which may all.in priority ov.r Ihis Security Instrum.nl, Lender m.y glv. lIorrower a
notice id.ntifying Ihe Ii.n. Borrow.r shall salisfy Ihe lien or take on. or more of the actions s.1 forlh above within 10 d.ys
ofthe giving of no tic..
5. Hazard Inluranee, Borrower .h.1I keep the improv.menls now e.i'ling or her.after erecled on Ihe I'roperty
insured againslloss by fire, hazards included wilhin Ih.lerm ".lIended coverage" .nd .ny olh.r h.zards for which Lend.r
requires insurance, Thll Insuranc. shall be m.inlained In the amount. and for the periods th.1 Lender requires. Th.
insurance carrier providing Ih. insurance Ih.1I be chosen by Borrow.r lubJecl 10 L.nd.r's approval which sh.1I nol be
unrC8S0n.bly withh.ld.
All insur.nce policies and ren.wals shall be aecepl.ble to Lend.r and sh.llinclude . 'I.nd.rd mortg.g. clause.
Lender shall h.ve Ihe righllo hold Ihe policies and r.n.wals. If Lend.r requires, Dorrower sh.llpromplly giv. to L.nd.r
all receipts of paid premiums and renewalnollces. In th. ev.nl of loss. Borrow.r sh.lIglve promptn"Uce tOlh. insurance
carri.r and Lender. Lend.r may make proof of loss ifnol m.d.promplly by Dorrower.
Unless Lend.r and Borrower oth.rwis. agree in wriling. insurance proceeds .holl be .ppUed 10 restor.Uonor r.p.lr
of th. Properly damaged. if Ihe reslorallon or repair is economlc.lly f.asible and L.nder's .ecurity is not lessened. If Ihe
resloralion or r.pair is nol economically fcasibl. or L.nd.r's security would be lessened, Ihe Insuronce proceeds sh.1I be
applied to Ihe sums secured by this SecurllY Inslrum.nl. wh.th.r or notth.n due, wllh .ny e..... p.id to Jlorrow.r. If
Borrow.r abandons th. Properly. or does nOI answ.r within 30 d.ys a notice from Lend.r thallhe insurance c.rrier h..
off.red 10 selll. a claim. th.n Lend.r m.y collecllhe Insurance proceeds. I.end.r m.y use lhe procced. 10 rep.ir or reslore
Ih. Properly or 10 p.y sums secured by Ihis Security Inslrum.nt, whether or nolthen due, Th. 3()'day period will begin
when Ihe nolic. is given.
Unless Lend.r and Borrow.r olh.rwise .gree in writing, any .pplic.lion or proceeds loprinclpal sh.1I not eXl.nd or
poslpon.lhe due d.te of the monlhly p.ym.nts referred to inpar.gr.ph. I and 2 or ch.nge Ihe alllount oflh.p.YIII.nts, If
und.r paragraph 191he Property is acquired by Lender. 1I0rrow.r's rightlo.ny insurance JllIlicies ond procceds resulling
from dam.g.lo Ihe Properly prior 10 th. .cquisition .h.llp.ss to Lend.r 10 Ihe eXlentof Ihe SUIIIS secured by this Securlly
Inslrulll.nl immedi.t.ly prior to Ihe acqui.llion.
6. Pr_nalion and Malnlenanee of Properly;l...aseholds. lIorrower .h.n nol d.slroy, d.m.g. or sub.l.nti.lly
chang. the Properly, .1I0w Ih. Properly 10 deteriorale or commil wa.te, If Ihi. Securily IlISlrumenl is on a leasehold,
Borrow.r sh.1I comply with the provision. of the lea.., .nd if Dorrowcr .cquire. fee tilic 10 Ihe Property, the I..s.hold .nd
fee litle sh.1I not m.rge unless Lend.r .grees to Ihe lIIerger in wriling.
7. Proleelion of Lender'l RIRhls in Ihe Properly; 1\I0rlRDRe Inluranee. If 1I0rrnwcr r.i1s 10 perflllm Ih.
cov.nanls and .greemenls conl.ined in Ihi. SecurilY Instrumenl. or Ihere is 0 legalproccedinglh.lm.y significonlly .ffect
Lend.r's rights in Ih. Property (.uch .s . proceeding in b.nkruplcy, probale, fllr condemllnUnn III 10 cnrlllce Inws III
r.gul.lions), lh.n Lender may do .nd pay for wh.l.v.r is n.cess.ry 10 prolecllhc volue orlhe "roperty ond I.cnder's righls
in Ih. Properly. Lend.r's .ctions m.y include p.ying any 'UIII. .ecured by a lien. which has prinrily ""er this Security
Inslrum.nt. .ppearing in eourl, p.ying reuon.ble allom.ys' fees .nd enleringonlhe I'roperty 10 m.ke rep.irs. Although
Lender may lake action under this p.r.graph 7. Lend.r doe.nol h.ve 10 do '0.
Any amounls disbursed by Lender under Ihis p.r.graph 7 sh.1I becollle .ddilion.1 dehl or IInrrower secur.d hy this
Security Inslrumenl, Unl...llorrow.r and L.nder agre.lo olher lerms ofp.YIII.nl.lhesc O!llounls sh.1I he.r inleresl frolll
Ihe date of disbursemenl 01 Ih. NOle role and sh.1I be pay.ble, wilh inl.resl, upon nOlice frolll I.end.r III Jlorrow.r
requesling paym.nl.
.
o
bOOK b 73 PAtE
5:1
o
-2-
i'
Attachment to KA~ J. ACKALUSKY mortgage
described in accordance with a survey by John R. Williams, Regiatered.
Surveyor, dated September 29, 1983.
BEING the same premises which Ronald L. Heisey and Susan I. Heisey,
his wite, conveyed unto Kathie J. Ackalusky,' single woman, Mortgagor
herein, by deed intended to be recorded simultaneously herewith.
Also being the same premises which Commonwealth National Bank by
its deed dated February 23, 1983 and recorded in Deed Book "B",
Volume 30 at page 608, conveyed unto Ronald L. Heisey and Susan
I. Heisey, his wite.
.~,.: ~:._.i;".,'". .
,;,1,~' .'~~".".~
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. ..r,,,!l:;'~f.t."'':'''. ,', of Pennsylvania } Ss
.!'o,' J~....,.. -',' .\.-' .,, bid
' .... "'J'r'.. . . '!:;:"'"1~ty of Cum er an
. -!'~l (:;-':':~:~"I~ed In 1"0 ')fljce lor Iha recording of De'ldS
'!." .\ l!":'<}~':":';":/' ~diO'C~" ~l\dCounty.Pa. L-3
~,~ :-.,~"~":~. ":.;!..~1:. \. . - P '.J
:~\.'\:~'~~:'i~~"'.fii' ;, 8'Jok Jol. age_:
.', ;t'!~f:"'''',~'i:I;:- '~!.lneGS my hDl rod soal of II f' I V "
.....~~,;~,;~~;,;..I.::-; ::. Cl\J'lIsle .Pa. I day of 1 "
.j'.... ; .._"1;.\ .. . .
.., . ,.d. . '. . _ _ . ,
"I;' ';'~.")~.." i;~'~"'''. ~
''';', ' Rocorder , ".
" . :" ,., BOOK b 73 "AGE 5 7
.
. .'~ ,., I
1Il""" ~1";"I\t':"~"~' ,
1I"~lJ~~I''''I.I' r".,llll" .". i 't I
~.. ,e.,i'lb ,.........' ,'I \
_'I~" ft'~~r1~ "",.,. ...Oll':
II
....
Ir Lender required mortgage insurance as a condition of making the loan secured by thl, Security Instrument,
Borrower shall pay Ihe premiums required to maintain the insurance In effect unlll such time 0$ the requirement fur the
insurance terminates in accordance with Borrower's and Lender's wrlllen agreement or applicable law.
8. Inspeetlon, Lender or its agent may make reasonable entries upon and Inspectinns of the I'roperly. Lender
shall give Borrower notice at the time of or prior to an inspection specifying reasonable cause for Ihe inspectiun.
9. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with
any condemnation or olher taking of any pari of the Properly, or for conveyance in lieu of condemnation, are hereby
assigned and shall be paid to Lender,
In the evenl of a total taking of the Property, the proceeds sholl be applied to the sums 5CCured by this Security
Inslrument, whether or not then due, with any escess paid to Borrower. In the evenl of a partial taking of the I'roperty,
unless Borrower and Lender otherwise agree in writing, Ihe sums secured by this Security Instrument shall be reduced by
Ihe amounl of Ihe proceeds multiplied by Ihe following fraction: (a) the total amount of Ihe sums secured immediately
before Ihe taking, divided by (b) Ihe fair market value of Ihe .Property immediately before Ihe taking. Any balance shall be
paid to Borrower.
If Ihe Property is abandoned by Borrower, or if, aner notice by Lender to Dorrower that Ihe condemnor offers tn
make an award orsellle a claim for damages, Dorrower fails to respond to Lender within 30 dsys aner the date Ihe nntlce Is
given, Lender Is authorizcd to collecl and apply the proceeds, 01 its option, eilher 10 restoration or repair of the I'roperty or
to the sums secured by this Security Instrument, whether or nolthen due.
Unless Leoder aod Dorrower olherwise agree in writing, any application of proceeds to principal shall not estend or
postpone Ihe due date of Ihe monthly payments referred 10 in paragraphs I and 2 or change the amount of such paymenll.
10. Borrower Nol Releued; Forbearance By Lender Not a Walfer. Estension of the lime for paymenl or
modificalion of amorlizalion of the sums secured by Ihis Security Instrument granted by Lender to nny sueceslor In
interest of Dorrower shall not operate 10 release the liability of the original Dorrower or Dorrower's succel'lllrs in interesl.
Lender shall not be required to commence proceedings against any successor in interest or refuse to est end lime for
paymenl or olherwise modify amortization of the sums secured by this Security Inslrument by reason of any demand made
by Ihe original Borrower or Dorrower's successors in interest. Any forbearance by Lender in esercising any right or remedy
shall not be a waiver of or preclude the esercise of any right or remedy.
11. Successors and Assigns Dound; Joint and Several J.lablllty; Co.sIRners. The covenanls and agr~mentl of
this Security Instrument shall bind and benefit the successors and a55igns of Lender and 1I0rrower, subject to the prnvl,lons
of paragraph 17. Dorrower's covenants and agreements shall bejoint and several. Any 1I0rrower who co,signsthls Secnrlty
Instrumenl but does nol esecute the Note: (a) is co.signing Ihis Security Instrumenl only to mortgage. grant and convey
that Borrower's Interest in the Property under the terms oflhis Security Instrument; (b) is not personally ohligoted to poy
the sums secured by this Security Instrument; and (c) agrees thai Lender and any other Jlorrower may agree to extend,
modify, forbear or make any accommodalions with regard to Ihe terms of Ihis Security Instrument or the NOle wlthuul
Ihat Dorrower's consent.
12. Loan CharRes. If the loon secured hy this Security Instrument is suhjectto 11 low which sets ml15irnumloon
chllrges, and Ihat law is finally Interpreted so Ihal the interesl or other 10lln chllrges collected or to be collecled In
connection wllh Ihe loan eseeed Ihe permilled limits, Ihen: (a) any such loan chllrge shall be reduced by the amuunt
necessary to reduce the charge to the perrnilled limit; and (b) Ilny sums already collected frnm Jlorrower which exceede,1
permilled limits will be refunded to Borrower. Lender may choose to mllke Ihis refund hy reducing Ihe principaluwed
under Ihe Note or hy making 11 direct payment to Dorrower. If a refund reduces principal, the reduclion will be Ireated as II
pllrlial prepayment without any prepayment charge under the Note.
13. LeRlslallon AlTec\lnR Lender's RIRhls. Ir enactmenl or espiration of applicable lows hDO Ihe elTect uf
rendering any provision of the Note or this Security Instrument unenforcellhle Ilccordinglo itslerms. Lender, lit Its option,
may require immediate paymenl in full of 1111 sums secured hy this Security Instrumenl and may Invuke any rrmedin
permilled by paragraph 19. Ir Lender esercises Ihis option, Lender shall lake the steps specified inlhe second pamgraph uf
paragraph 17,
14. Notices. Any notice to Borrower provided for in Ihis Securily Instrumenlshllll be given by delivering II or hy
mlliling it by first class mail unless applicable law requires use of another method. TIle nnlice sholl be directed to the
Property Address or any other address Dorrower designates by notice to Lender. Any notice tul.emler Iholl he Klven hy
first class mllillo Lender's address stated herein or any other Ilddress Lender designates by notice tullnrrnwer. Any nutke
provided for in this Securily Instrumenlshall be deemed to hllve been given to Jlorrower or Lender when given DO prnvlded
in this paragraph,
15. GovernlnR Law; Severablllly. This Security Inslrumenl sholl he governed hy fCllerollllw and Ihe IIIW uf the
jurisdiction in which Ihe Property is located. In the eventthllt any provision or chlllse of thl. Security Instrument or IIle
Note con Riels wilh applicable Illw. such conRict shall notllffect other provisions of Ihi. Security Inltrument or the Nolc
which can be given effecl withoulthe conRicling provision. To this end the prnvlslonsofthls Security Inltrumentllllll the
NOle Ilre declared to be severable.
16. Dorrower's Copy. Jlorrower shall be given one conformed copy oflhe Note 111111 of this Securily Inslrument.
17. Transfer of Ihe Properly or a Jlencfldal Inleresl In Jlormwer. If 1111 III IIny plllt uf Ihe l'luperly ur IIny
interest in it Is sold or lransferred (or ifll beneficiol inlerest in Jllllrnwer is .old or tm",fcrred IUlllllorrower Isnotllnlllurnl
person) without Lender's prior wrinen consent. Lender moy, at it, oJ'lion, require Imlllcdlllle 1'lIymcnt In fulluf 1111 \\1II1S
secured by Ihis Security Instrument. However, this option shllllnut be e.erciscll hy I.ellller If c.erei.e is IlIohihlted by
federallllw IlS oflhe dateofthis Security Instrument.
If Lender e.ercises this option, Lender shall give Dorrower nolice ufoccelerntion. The nullce Ihnlllllovlde II perilKI
ofnotlesslhan JOdays from the date Ihe nOlice is delivered or mailed within which 1I0rruwer musll'IIY ,IIIIum5 .eculcd h)
this Security Inslrument. If Dorrower fails 10 pay Ihese sums prior to Ihe espimllonof Ihl. periud, I.ender muy invoke IIny
remedies permined by this Security Instrument without further notice or demand onllorrllwer.
18. Dorrower's RIRhlto Relnslate. If Dorrower meels cerlain condition., 1I0rruwer .hllll hove Ihe riKhtto hllve
enforcement of this Security Instrument discontinued 01 any lime prior to the enrlier of: (II) 5 dllYs (or .uch other perhHIIIs
opplicablc Inw may specify for reinstatement) before sale of Ihe Properly pursnont to nny power of lole contoined in Ihi.
Security Instrument; or (b) entry of a judgment enforcing this Security Instrument. Tho,e cmulitlons ore thlll IInrruwer:
(a) poys Lender all sums which then would be due under Ihis Security Instrumcnl and Ihe Note hnd no occclerullon
occurred; (b) cures any defllult of any other covenanls or agreements; (c) I'oys 1111 e'llenses incurred in enfnrcing lllis
Security Instrument, inclUding, but nollimited to, reasonable allorneys' feC!l; and Itl) tnke, luch ocllon .s Lender mny
reasonably require to assure Ihal Ihe lien of Ihis Security Inslrument, Lender's rights in the l'rOllerty IInd IInrrnwer's
obligalion to pay Ihe sums secured by Ihis Security Instrument shnll continue ullchnnKcd. Upon reinstatement by
Dorrower,lhis Security Instrumenlllnd Ihe obligations secured hereby shall remain fnlly elTeclive.1S If nu.ccelernlion ha"
occurred. However, this righllO reinstale shllll not apply in the cllse of occelerotionunder pnrll\lrnl,h. 13 or 17.
iiiiOK b 73 l'AI,l ' 55
NON. UNIFORM COVENANTS. Borrower and Lender fun her covenanl and agree as follows:
19. Aceeleratlon; Remedl9. Lender ahall al,e notice to Borrower prior 10 acceleration lollowlna Borrower'a
breach ohny connant or agreement In this Security Instrumenl (but not prior to acceleration under paraaraphs 13 and 17
unlea applicable law provld9 otherwIse), Lender shall notlly Borrower 01, amona olher things: (a) Ihe delault; (b) the
action required to cure the delaultj (eI when the ddault must be curedj and (d) that lallure 10 cure the delault as specified
may reault In acceleration 01 the sums secured by this Security Instrument, loreclosure by Judicial proceeding and sale 01
the Property. Lender ahall lurther Inlorm Borrower ollhe rlaht 10 relnstale al/er acceleration and the right 10 assert In the
loreclosure proceedlna the non.exlslence 01 a delault or any other defense 01 Borrower 10 acceleration and loreclosure. II
the default Is not cured as specified, Lender at Its option may require Immedlale paymenlln lull 01 all sums secured by this
Security Instrument without lurther demand and may loreclose Ihls Security Instrument by Judicial proceeding. Lender
shall be entitled to collect all expens91ncurred In pursuing Ihe remedies provided In this paraaraph 19,Includlna, but not
limited to, attorneys' le9 and coxls ollltle evidence to Ihe extent permitted by applicable law.
20. Lender In Possession, Upon acceleration under paragraph 19 or abandonment of the Property, lender (in
penon, by agent or by judicially appointed receiver) shall be entitled to enter upon. take possession of and manage the
Property and 10 collecl the rents of the Property including those past due. Any rents collecled by Lender or the receiver
shall be applied firsl to payment of the COSls of management of the Property and collection of rents, including, but nol
limiled 10, receiver's fees, premiums on receiver's bonds and reasonable allorneys' fees, and then to Ihe sums secured by
Ihis Security Instrument.
21. Releue. Upon payment of all sums secured by this Securily Instrumenl, Lender shall discharge this SecurilY
Inslrument withoul charge to Borrower. Borrower shall pay any recordation COSls.
22. Reinstatement Period. Borrower's time to reinstale provided in paragraph 18 shall exlend 10 one hour prior to
the commencemenl of bidding at a sherill's sale or other sale pursuant to this Security Instrument.
23, Purchue Money Mortgage. If any oflhe debt secured by this Security Instrument is lent to Borrower to acquire
litle to Ihe Property, this Security Instrument shall be a purchase money morlgage.
24.lnter9t Rate AI/er Judgment. Borrower agrees that the interest rate payable al/er ajudgment is entered on Ihe
Note or in an action of mortgage foreclosure shall be Ihe rate payable from lime 10 lime under the Nole.
25. Rldera to this Security Inslrument. If one or more ridcrs are executed by Borrower and recorded togelher with
Ihis Security Instrumenl, Ihe covenanls and agreemenls of each such rider shall be incorporated inlo and shall amend and
supplement Ihe covenants and agreemcnts of this Security Inslrumenl as if Ihe rider(s) were a part of Ihis Security
Instrument. [Check applicable box(es))
o Adjuslable Rate Rider
o Graduated Payment Rider
o Other(s) [specify)
o Condominium Rider
o Planned Unit Development Rider
o 2-4 Family Rider
Bv SIONINO BELOW, Borrower ac:cepts and agrees to Ihe lenns and c:ovenanls c:ontained In Ihis Securily
Inslrumenl and in any rider(s) executed by Borrower and recorded with il.
Wi~n .
~ ~.
...... ......,......................",...,.......... ....................
~r<a~f~,~.......,..........ai~
,....,...............................,...............................................,
........,.................,..............................................,...."........(Seal)
-IIom>wor
ISp_ _ _ Unt 'Ot Adlno__l
I hereby certify the address of the mortgagee iSI 100 W. Independence St.,
Shamokin, Pa, 17872. ~l" UJ Oe.1I .;
GUY W. SCHLES INGER, ESQ. .fAt tot'ney' f~'.~if~gagee
21 E. Independence St.
Shamokin, Pa, 17S72
. .~~Jill.y 1. YJI fUJI........... }
;;J:J. ."... ss:
COUNl'YOP .......... 00.. ..............
".~ ..'!!f::.......... .. ........., a olary Public In and lor said county and state, do hereby certl~ Ih~
I$'~thie .~:.. ^9]S~.JtH~.~r .0.. ............................,.................. ........ ..f personally appeare
before me and Is (are) known or p oved 10 me to be Ihe person(,) who, being Inforoned of Ihe conlenls of the loresolnslnslrument.
bave execUled same, and acknowledged said lnstrumenllo be . . . . .I! !I.I; . . . , . . . .. , , . . free and volunlary act and deed and that
(his. her, Ihelr)
she executed said inslrumenl for Ihe purposes and uses Ihereln sel lorlh,
......................
(be, she, Ihey) 4
Witness my band and orndalleaJ this....... .1... . ..... .. .. ... . . . . day or. ..
BrATS OF
My CollUlllJslOD Expires:
.
... IU.'O I"" "";'<->111 (j)
, .
.
.'
.'
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
The Commonwealth of Pennsylvania's
Homeowner's Emergency Mortgage Assistance
Program
may be able to help you.
Read the following notice to fIud out how the
program works.
If you need more information call the Pennsylvania
Housing Finance Agency at 1(800)342-2397
LANOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU
DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL
CONTENlDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION
INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING
FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER
ELEGmLE 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 REDIMlR SU HIPOTECA.
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FULTON BANK
ACT 91 NOTICE
MAY 16, 1!195
PAGE 1
ACT 91 NOTICE
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE.
YOU MAYBE ELIGmLE FOR FINANCIAL ASSISTANCE
WIllCR CAN SAVE YOUR ROME FROM FORECLOSURE AND
HELP YOU MAKE FUTURE MORTGAGE PAYMENTS.
Dale: May 16. 199'
RE: Accounl No.: 711-9502626
TO: Kathy J, Ackalusky
911 Goodyear Road
Gardners. PA 17324.8920
FROM: Fullon Ollllk
29 East King Slreel
Lancaster. PA 17602
You may be eligible for finandalllSSistance that will prevent foreclosure on your
mortgage If you comply with the provisions of the Homeowners' Emergency Mortgage
....dcfance Act of 1983 (the "Act"). You may be eIIgJ'ble for emergency temporary
accIcfance If your del'ault has been caused by circumstances beyond your control, you bave
a reasonable prospect of resuming your mortgage payments, and If you meet other
elIgibWty requirements established by the Pennsylvania Housing Finance Agency. Please
read aD of this Notice. It contains an explanation of your rights.
Under the Act. you arc enlitled 10 I temporary stay of the foreclosure on your monglge for thlny (30) days
from the date of lIIis NOlice. During lIIat lime you must arrange and Illend I 'face.to-flce" meeling with I
representative of this lender. or willi I dc.llgnlted consumer crcdil counseling Igency. The purpose of this meeting
lito altemptto worle out I replymenl plan, or to otherwise sellle your delinquency. This meeting must occur In
the next (30) days.
If you allend a face.to-face meeling with this lender. or willi a consumer crcdll counseling agency Idenlified
In this notice, no funher proceeding In monglge foreclosure may talce place for lIIlny (30) days after the dale of
lhIs meellng, The name, address and lelephone number of our representalive is:
Jessi K. Rowe
Fullon Ollllk
p, O. Box 4887
Lancasler, PA 17604
Telephone Number: (717) 291-2720
The PeMsylvania Housing Finance Agency can be reached TOLL FREE al 1(800)342-2397,
,
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FULTON BANK
ACt 111 NOTICE
MAY %6, l\l!15
PAGE 3
The lWIICI and lIlIdress of dcslgcated consumer credit counsellDg agencies arc shown on the anached sheet.
It ia ooly nccestary to schedule ooc face-Io-face mcctlDg. You should lIlIviac this lender immediately of your
lDtentIoQS,
Your monaage Is lD defaull because you have failed to pay promptly installments of principal and lDtcrest,
as required, for a period of 8llelllltixty (60) dayt. The total amount of the dellDquency is $1.437 .65. That sum
includes the foUowlDg:
Three (3) moothly payments of principal aod lDterestlD the amount of 5355.04 each, due for the IllOnths
of March, April, and May 1995: Three (3) monthly payments of escrow items lD the amount of 5100.51
caclJ, due for the months of March, April, aod May 1995: tOlalllDg $1,366.65 plus late fees lD the sum of
571,00,
If you have tried and arc unable 10 resolve this problem alar after your face-Io-face meellDg, you have the
right to apply for f10anclal assistance from the Homeowners' Emergency Mongage Assislance Fund. In order to
do this, you must f1I1 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 assistaoce may ooly
be obtained from a consumer credit counseling agency, The consumer credit counsellDg agency will assist you lD
f1IllDgout your application and will submit your completed application 10 the Pennsylvania Housing Finance Agency.
Your application must be f1Ied or postmarked, within thiny (30) days of your face-to-face mcellDg.
It is extremely ImportlUltthal you flit your application promptly, 1/ you do not do so, or If you do not
/ollDw th. oth.r tIm. p.r1ods stI/orth In this lcner,/ortclosure may procttd against your home immediately.
Available funds for emergency mongage assistance are vety limited. They will be disbursed by the Agency
under the eligibility criteria established by the Act.
It is extremely imponantthat your application is accurate and complele lD evety respect. The Pennsylvania
HouslDg Finance Agency hili sixty (60) dayt to make a decision after it receives your applicalion, Duringthat
lIlIdltlooaJ time. no foreclosure proccedlDgs wUl be pursued against you if you have met the time requirements act
fonh above. You will be nOllfied directly by that Agency of its decision on your application.
The Pennsylvania HouslDg Finance Agency is located at2101 Nonh Front Street, Post Office Box 15530,
Harrisburg, Pennsylvania 17105. Telephone No. (717) 780-3800 or 1-800-342-2397 (toll free number). Persons
with impaired hearing can call (717) 780-1869,
In addition you may receive another notice from this lender under Act 6 of 1974. That notice is called a
'Nollce of Intention to Foreclosure". You must read both notices, slDce they both explain rights that you now have
under Pennsylvania law. However. If you choose 10 exercise your rights described lD this notice, you cannot be
foreclosed upon wblle you arc receiving that assistance,
Vety lruly yours,
c...o ~ ~ ~~"t'tt,_.
Clint M. Miller
Vice President
CMM:car
cc: Guy W, ScbleslDger, Esquire
The Pennsylvania Housing Finance Agency can be reached TOLL FREE at 1(800)342-2397.
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I='UL TON BANK
ACf'1 NanCE
MAY 26. 1'"
PAGE 4
nm FOLLOWING UST CONSISTS OF TIiOSE COUNSEUNG AGENCIES WInIIN YOU AREA. PLEASE
CONTACf TIiEM FOR ASSISTANCE.
.'
ADAMSCOUNTV
AmerIcan Red CIOn - Hanover Chapter
529 Carlisle Street
Hanover, PA 17331
Telepbone No: (717) 391.19"
Blair COUDty Economic Opponun1ty CouncU
5433 industrial Avenue
A1toooa, PA 16601
Telepbone No: (814) 946-3651
FAX No: (717) 637-3294
Consumer Credit Counseling Service or Western Pennsylvania. Inc.
2000 Llnglestown Road
Harrisburg, PA 17102
Te1epbone No: (717) 541-1757
Financial Services Unllmlted
117 West1blrd Street
WaynesbolO. PA 17268
Telepbone No: (717) 762-3285
The Pennsylvania Housing Finance Agency can be reached TOLL FREE at 1(800)342-2397,
Aec*vld "Ottt
=t Jessi K. Rowe
Fulton Bank _. . I ~
One Penn Square
Lancaster, PA 17602 :..'! ~
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MAILING NOTIFICATIONS
ACT LBT'l'BR __
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One p6ec. of Otdfntl\' mell Idd,....d to:
Kathy J. ACkalusky
911 GOOdyear Road
~~~R~8ES. Ph 17J24-8g20
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Home~~~e~~YJ-nYe~~I~yH2~r~~~;e F,:~fs~~~ll~i~~Yogram 0 I,l
Pavmenll Cieneral InformatIon (717) 780-3940 q I
2101 North Front Strccl Ciencrallnformatlon 1-800-342-2397 2101 North Front Strcct
P,O, Box 15206 TDD' For Hearlnlllmpalrcd (717) 780-1869 P.O. Box 15530
Harrllburll. PA 17105-5206 Harrilburg. PA 17105-5530
8/31/95
FULTON BANK
P.O. BOX 4887
Ll\IICASTBR, PA, 17604
SUBJECT.
KATHY J ACKALUSKY
911 GOODYEAR ROAD
GARDNERS, PA, 17324
Your application for a HOMBOWNBR'S EHBRGENCY MORTGAGE ASSISTANCE LOAN has been DBNIBD
pursuant to Act 91 of 1983, 35 P.S. Section 168.401-C et seq. and/or Agency
Guidelines 16 PA Code Section '0.101 et seq. for the following reasons.
1, Mortgagor intends to sell mortgaged property and does not intend to occupy it as his/
her primary residence and is therefore ineligible for a Homeowner's Emergency MOrtgage
Assistance Loan.
2. Mortgagor is not suffering financial hardship due to circumstances beyond mortgagor's
control based on. Total mortgage delinquency is not due to circumstances beyond mortga-
gor's control: Homeowner's income is sufficient to maintain mortgage payments and
monthly expensee yet the mortgage remaine delinquent from 4/95 and the homeowner has no
funds saved to apply towar~"the delinquency. .~","'
You may be entitled to an appeal hearing if you disagree with our decision, We MUst receive
a written request for a hearing within 15 days of the postmark date of this letter. (Appeal
requests must be in writing; a verbal request is not acceptable). The hearing may be con-
ducted by a telephone conference call; therefore, you must include your telephone number,
Requests for hearings must state the reason(s) that a hearing is requested and must be sent
first class, registered or certified mail to: Chief Counsel - Hearing Request, PHFA/HBMAP ,
2101 North Front Street, P. O. Box 15628, Harrisburg, Pennsylvania 17105-5628. The Agency
will attempt to schedule the hearing within thirty (30) days after the request is received.
When sending your appeal, please be sure to print your name legibly and include your social
security number.
You have a right to be represented by an attorney in connection with your appeal. If you
cannot afford an attorney you may be eligible for Legal Services repressntation, You can
contact a Legal Services representative through the following toll free number
1-800-732-3545. Please be aware that scheduling an appeal hearing does not necessarily stay
foreclosure proceedings.
DISCLOSURE OF USE OF INFORMATION OBTAINED FROM OUTSIDE SOURCE:
1. Disclosure inapplicable.
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against
credit applicants on the basis of race, color, religion, national origin, sex, marital
status, age (provided that the applicant has the capacity to enter into a binding contract);
because all or part of the applicant's income derives from any public assistance program; or
because the applicant has in good faith exercised any right under the Consumer Credit Protec-
tion Act. The Federal Agency that administers compliance with this law concerning this
creditor is the Federal Trade Commission, Equal Credit Opportunity, Washington, D,C.
The Pennsylvania Housing Finance Agsncy
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FUlton Bank
People dedicated to your success..
P.O. BOX 4887 . LANCASTER. PA : 7604
(717) 291-2720
October 6, 1995
Kathy J. Ackalusky
911 Goodyear Road
Gardners, PA 17324-8920
RE: Mortgage Loan - Account #711-9502626
TO: KATHY J. ACKALUSKY
NOTICE OF INTENTION TO FORECLOSE MORTGAGE
The MORTGAGE held by Fulton Bank, (hereinafter we, us or ours) on
your property located at 911 Goodyear Road, Gardners, Pennsylvania,
IS IN SERIOUS DEFAULT because vou have not made Three 131 monthly
cavrnents of orincioa1 and interest in the amount of S355.04 each.
due for the months of Julv. AUQUst. and Seotember 1995: Three (3)
monthlv oavments of escrow items in the amount of SlOO.51 each. due
for the months of Julv. Auaust. and Seotember 1995: which total
Sl.366.65. Late charges have accrued to this date in the amount of
S7l,OO. The total amount now required to cure this default, or in
other words, get caught up with your payments, as of the date of
this letter is Sl.437.65.
You mav cure this default within THIRTY (301 DAYS, of the date of
this letter. bv cavina to us the above amount of Sl.437.65. clus
the additional monthlv oavment of S455.55 due October 1. 1995. olus
a late charae of S17.76. if this oavment is not made bv October 16.
~. Such payment must be made either by cash, cashier's check,
certified check or money order and made at the Loan Review
Department at Fulton Bank. 29 East King Street, Lancaster,
Pennsylvania.
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 pay
off the original mortgage in monthly installments. If full payment
of the amount of default is not made within THIRTY (30) DAYS, ~
also intend to instruct our attornevs to start a lawsuit to
foreclose vour mortaaaed orooertv, If the mortaaae is foreclosed.
vour mortaaaed orooertv will be sold bv the Sheriff to oav off the
mortaaae 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
.
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Fulton Bank
People dedicated to your success..
FORECLOSE MORTGAGE
NOTICE OF INTENTION TO
October 6, 1995
Page 2
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 vou cure the default within the thirtv day oeriod. you
will not be reauired to nav attorney's fees.
We may also sue you personally for the unpaid principal balance and
all other sums due under the mortgage. Such suit against you
oersonallv may also result in your mortgage being foreclosed and
your mortgaged property being sold at Sheriff's sale.
If we start the lawsuit to foreclose your mortgage, or if we sue
you personally for the unpaid balance and all other sums due under
the mortgage which may also result in foreclosure and sale of your
mortgaged property, you have the right to assert in either of those
lawsuits the nonexistence of a default or any other defense you may
have to acceleration and foreclosure.
If you have not cured the default within the thirty day period and
foreclosure proceedings have begun, vou still have the riaht to
cure the default and orevent the sale at anv time uo to one hour
before the Sheriff's foreclosure sale. You mav do so bv oayina the
total amount of the unoaid monthlv oavments olus any late or other
charaes then due. as well as the reasonable attornev's fees and
costs connected with the foreclosure sale and oerform anv other
reauirements under the mortaaae. It is estimated that the earliest
date that such a Sheriff's sale could be held would be
approximately Februarv 10. 1996. A notice of the date of the
Sheriff's sale will be sent to you before the sale. Of course, the
amount needed to cure the default will increase the longer you
wait. You may find out at any time exactly what the required
payment will be by calling us at the following number: Area Code
717/291-2720. This payment must be in cash, cashiers 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 interests 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 HAVE THE
RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR
BEHALF.
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NOTICE OF INTENTION TO
October 6, 1995
Page 3
Fulton Bank
People dedicated to your success..
FORECLOSE MORTGAGE
If you cure the default, the mortgage 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.
Sincerely,
SFM:car
cc: Guy W. Schlesinger, Esquire
S en F. Mitchell
Loan Workout Manager
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ACT LETTEQ MAI.IN
,M G NOTIPICATIONS
Z 35? 423 635
I I) ~ ReceIpt for
Certified Me"
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CASE NO: 1996-00)4D r
COMMOnWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
ctBJ-:'!\,L.Yll.bLEL SA.YJJ:t9? . B,AHli_
VS.
A C I::J!.L!!.''2l'~:t._,]\!\JJ:!lLJ__-
_~T&YL~!:!.I STJ,._I;;.R
,_____,_,____..___...' Sherl!! or ['eputl' Sllerlff of
CUMBERLAND County. P<?nnsl'1vanla, >'ho belng dilly ,-,wl:orn acCe'j'dlng
to law. :Jays. the \lHhin r,;OJ:tf'.LfI.IJiL___._______,....
upc>n _N;!\}U-U,~.!\.'L\iATJiL~_)
was Herve-d
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the
defendant, ;)t _lE,'5U.9..0.. HOURS. on t.he L1.!"l} day at t.RtJIuary
1996 at ..-:21LJll.Cll,!"ll.HD.....1.MiE, ..J<l'I,]_;;, -,......'. ..,..- .......--
CAMP H1J"hL_P.JI_,170 LL__________, ___ ......,__..__..____ .....__... Cl!M BERLAND
Cc>unty. Penn:::y1'lanJ.E1. by hano:i1nq t'.1 KATI:!J!L.1L_ACJ:if.-l,Uc;t:.Y-----.
a true and att~sted copy of the COMPLAINT
together with NOLICE
.
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and at the Burne time- directing Hs..r .:3ttent.v:Hl to th~ contents lhc?reof.
Sheriff's Costs:
Docv.etJ.nq
Ser v i C~? -
Afflda'lit
Surcharge
So E1nGwer~; ~
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n-o- '-'Th Q~mai;" 'Kl' Lift.:. ,Sn!?I i r i-----
18,00
8.40
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~2B:40-CALDWELL AND KEARNS
02/15/199El
t.~. .~ Wfl .-1\
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FULTON BANK,
Plaintiff
IN THE COURT OF COMMON PLEAS
CUMBERLAND CO., PENNSYLVANIA
v.
No. 96-348 Civil Term
KATHIE J. ACKALUSKY,
Defendant
CIVIL ACTION - LAW
AFFIDAVIT OF SERVICE
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF DAUPHIN
ss:
Personally appeared before me, a Notary Public in and for said County and
State, JAMES R. CLIPPINGER, ESQUIRE, who deposes and says that on March 11,
1996, he mailed a true and correct copy of the attached Notice of Intent to Enter
Default Judgment, via United States, First Class mail, postage prepaid, served upon
Kathie J. Ackalusky, 9A Richland Lane, Apartment T2, Camp Hill, Pennsylvania 17011.
A copy of said notice is attached.
Sworn to and subsce2bed to
before me this I/..! day
of f11fMA;.{v , 1996.
--;:[a~ t . K~
Not ry Public
G:\DATA\JAC\DD312\2D53L\212571
NOTARIAL SEAl
TILL Yc, KOlOS. fN:rY Pu~lIc
Harllsburg VJl'phin Cou~11
My CommlsSlolI bpires Nov. ~8, 1Srj
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FULTON BANK,
Plaintiff
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
No. 96348 CIVIL TERM
VB.
KATHIE J. ACKALUSKY,
Defendant
CIVIL ACTION - LAW
IMPORTANT NOTICE
TO: Kathie J. Ackalusky
9A Richland Lane, Apt. T2
Camp Hill, PA 17011
DATE OF NOTICE: March 11,1996
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION
REQUIRED OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM
THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU
WITHOUT A HEARING, AND YOU MAY LOSE YOUR PROPERTY OR OTHER
IMPORTANT RIGHTS. yOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT
ONCE, IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR
TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET
LEGAL HELP
CUMBERLAND COUNTY LAWYER REFERRAL SERVICE
Court Administrator
Fourth Floor Cumberland County Courthouse
One Courthouse Square
Carlisle, PA 17013
(717) 240-6200
..
NOTICIA IMPORTANTE
A: Kathie J. Ackalusky
9A Rlchland Lane, Apt. T2
Camp HIli, PA 17011
FECHA DE NOTICIA: March 11, 1996
USTED NO HA COMPLlDO CON EL AVISO ANTERIOR PORQUE HA FAL TADO
EN TOMAR MEDIDAS REQUERIDAS RESPECTO A ESTE CASO. SI USED NO ACTUA
DENTRO DE DIEZ (10) DIAS DESDE LE FECHA DE ESTA NOTICIA, ES POSIBLE QUE
EN FALLO SERIA REGISTRADO CONTRA USTED SIN UNA AUDIENCIA Y USTED
PODRIA PERDER SU PROPIEDAD 0 OTROS DERECHOS IMPORTANTES. USTED
DE BE LLEVAR ESTA NOTICIA A SU ABOGADO EN SEGUIDA. DEBE LLEVAR ESTA
NOTICIA A SU ABOGADO EN SEGUIDA. SI USTED NO TIENE ABOGADO 0 NO TIENE
CON QUE PAGAR LOS SERVICIOS DE UN ABOGADO, VAYA 0 LLAME A LA OFICINA
ESCRITA ABAJO PARA AVERIGUAR A DONDE USTED PUEDE OBTENER LA AUYDA
LEGAL.
CUMBERLAND COUNTY LAWYER REFERRAL SERVICE
Court Administrator
Fourth Floor Cumberland County Courthouse
One Courthouse Square
Carlisle, PA 17013
(717) 240-6200
(63776)
..: \
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PENNSYLVANIA
GREAT VALLEY SAVINGS BANK
NO. 96-348
CIVIL ACTION - LAW
CUMBERLAND COUNTY
Plaintiff
v.
KATHIE J. ACKALUSKY
JURY TRIAL DEMANDED
Defendant
PRAECIPE TO ENTER JUDGMENT
TO: PROTHONOTARY
Please enter judgment in favor of the Plaintiff, Great Valley Savings Bank and
against the Defendent, Kathie J. Ackalusky, for the failure of said defendent to file an
MSNer to the Complaint within 20 days of service. The Complaint contained Notice to do
so and following service, the Notice of Default, pursuant to PA R.C.P. 237.1, Said
judgment to be in the amount of the prayer of Plaintiffs Complaint, Twenty-Four Thousand,
Seven Hundred Eleven 21/100 ($24,711.21), plus costs ofsuit.
Respectfully submitted,
CALDW,L & KEARNS
, ,
James~ ippinger, Es uiSe
Attorney I. . No, 07159
Attorney for Plaintiff
Great Valley Savings Bank
3631 North Front Street
HarriSburg, PA 17110
(717) 232-7661
Dated: March 26,1996
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GREAT VALLEY SAVINGS
BANK rl.,11I1111
I N Tilt: counT or COHHON PLI:^S
COUNTY, PI:NNSYLVNlI ^
VI.
KATHIE J. ACKALUSKY
CIVIL. ^CTlON -
lIe1tn"""t
NO. 96-348
TO Kathie J. Aekaluskv
, l)elendllnt(.)
YO\! are hertby notlfied that on APRIL
IV ~ . 1996. lhe lollowlng (Order) (Uecreel
(Jlldgmenl) h;;;-lleonenlerell agoln.t you in lhe above-
e~rtiollet' c,,,e,
Judgement in the amount of $24,711.21, plus costs.
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rrothonotary
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In 1';'llI
I hereby certify thlll lhe name IInd addre.. 01 the
prol>er persoll!s) to receive lhis notice Is:
Kathie J. Aekalusky
9A Riehland Lane - Apt. T2
Camp Hill, PA 17011
^ neCendirlo/1l
Delendi",os/as
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(Orden), (llecrelo1, (rnllo'/il3 sldo onolarlo en contrll
sllyn en el ellso In~ncionallo en el epigrale.
rr.clI^:
I'rotonotllrlo
Certifieo'lu" In ~1'1"iente dlre<.:c1on es III del
lIelendld% segun illllicollll en el eertHicado de
resideneia:
^b09~tlo ,).. I ':em"nrlallt e
----:....~,~,- ;-;
,
PRAECIPE FOR WRIT OF EXECUTION - (MONEY JUDGMENTS)
P.R.C.P. 3101 to 3149 Etc.
IN TIlE COURT at" COMMON PLEAS at"
CUMBERLAND COUNTY, PENNSYLVANIA
GREAT VALLEY SAVINGS BANK 1
Successor iri'TJitere'st'To'~eiifi:ai..m.
Pennsylvania Savings Association,
......................'....iiiliii.ii.f1:if.f.
VI.
Wril No. ____________________________ Tenn, 19_____.
96-348
No. ______~____....._._._.__________ Tenn, 19____....
Amount du' ............ $ ..~.'11.7.U.~;U....
KATH I E J. A<:;K!\.!-.IJRHlm.........................
.....................~~.~.~~~~.~.~...... J
Interell tmlll _________________.__...___..__..____..
An'y'. Coin. .......__........_______________.........._._
CO.I._._...__.___......._._.._....___..____._.._..........
To lhe ProlhOnollryol.ald CoUll: ISSUE WRIT OF EXEClfrlON IN TIlE AIIOVE MA"'ER,
(I) Dirul,d 10 Ih, Sh,rifl nf ..Cumb9!;l<md....Cuunlv. P,nnl.;
Kathie J. Ackalusky
(2) Ipln.. ........................................ ......n............,' . . .... ......, ,.... ..........
9A Richland Lane, Apartment T2, Camp Hill, Pa, l7011
.___________...._ .__..__..____._.._. .._______...__...._._...__...._.._~_...... __ __.....___..,. [)...rt'nd.anl (.) :
(3) .nd acainlt ..___..__________....__..............___..______.._..______........_______.._..._._....__..____ Garnidlre ea) ;
(4) and Index thla writ Kathie J. Ackalusky
(I) apln.. .................. ,............. ......... ...... ,........ ,.. '......... ,............
._______________ ...... _ ~ _... ___..___ '. .._____..........__..__~....~__~ ___ ___ _ _ ___ fltorend.1nl (a) and
(b) apln.. ................................ .,...........'...",.._...'.,...,.....".,........
-..__..____..__.. ____.___ ____ ~ __._ ....._......_......__ ....- _ ._.._....... - _ _.... _. _ _ __ __.... O.\miuu:'e (.),
u a n. pendens aplnlllhe real properly or Iht' drft'nd.1nl ea) In lhe naml'u[ t1WO"llIidll"I' (,).1\ rnlln""l: (Spt'cifit'.1I1)'
d,scribe properly)
See attached description of real estate.
(5) Eumplion has (nol) been "."i\'rd,
OIled ...6...::.1::..'l'.......
J mes
r, Esquire
NOTE
Under panl1'lph (1) when the writ I. dlrrctrd to Lhe shuUl or anotht'r ('ounty as authorlzt"d by Rule 31031bi,
the coun'y Mould be Indit'atrd,
Under Rule '103(e) a writ luued on a trandl'rrrd Judl.ment may be dlrNtl'd onl)' tu the .herUT or the eounl)'
IQ which b,uC!'c1.
Paralraph (3) above!' .hould be completed only II a named IlIrnhht'e I, to be Inehull'd In the wrIt.
Para.raph ff) fa) ahould MrompletC!'d onty II Index. In. or tht' ('Xl't'utlon In lht'eounly or IlIu:lnet',I. dulrt'd a.
authorized by nul&' 31DfCal. When the wrlllllul'S to another eounly Indexln.l. ri!qulrt'd III or course In th:llt
County by the prothonotary. See Rule 310tch).
Plnrraph Cfl (bl should be C'omr,lrted only II rral proPt'flY In the namr or 1IIIunlahl'(' I. OIttaeht'd and Indl.'x-
lal" all. pendens 11 dt'.lrl'd, Sea Ru e 31041(').
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ALL THAT CERTAIN tract of land together with buildings and
improvements thereon erected, situate in South Middleton Township,
Cumberland County, Pennsylvania, more particularly bounded and
described as follows:
BEGINNING at a point in the center line of Legislative Route 21030,
also known as the Bendersville Road, at corner of lands now or
formerly of the Uriah United Methodist Church; thence along said
lands now or formerly of the Uriah United Methodist Church North 21
degrees 32 minutes East 132.30 feet to an iron pin; thence by other
lands of the said church herein, North 9 degrees 41 minutes 46
seconds east 8 feet to an iron pin; thence by lands now or formerly
of Lester Starner, 73 degrees 14 minutes 16 seconds east 140.00
feet to an iron pin; thence by the same and lands now or formerly
of Lester Starner North 10 degrees 52 minutes 10 seconds east 21.90
feet to a steel pin; thence by said lands now or formerly of Lester
Starner South 80 degrees 29 minutes 12 seconds east 77.25 feet to
a steel pin; thence by the same South 8 degrees 30 minutes 54
seconds west 62.20 feet to a steel pin; thence by same South 28
degrees 14 minutes 19 seconds east 123.70 feet to a point in the
center of the said Legislative Route 21030; thence by the center
line of the said Legislative Route 21030 by an arc to the right of
a distance of 322.22 feet, more or less, to a point, the place of
beginning. CONTAINING .8678 acres, more or less, and described in
accordance with a survey by John R. Williams, Registered Surveyor,
dated September 29, 1983.
BEING the same premises which Ronald L. Heisey and Susan I. Heisey,
his wife, by Deed dated July 1, 1987 and recorded July 8, 1987, in
the Office of the Recorder of Deeds of Cumberland County, in Deed
Book 32, Volume U, Page 151, granted and conveyed unto Kathie J.
Ackalusky, single woman.
BEING known as Tax Parcel No. 40.43-2759.009, also known as 909
Goodyear Road, Gardner, South Middleton Township, Cumberland
County, Pennsylvania.
Seized, taken into execution to be sold as the property of Kathie
J. Ackalusky, Mortgagor and real owner under Judgment No. 96-348
Civil Term.
72757.1
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GRBAT VALLBY SAVINGS BANlt, I IN THE COURT OP COMMON PLBAS
I CUMBBRLAND COUNTY, PBNNSYLVANIA
Plaintiff I
I
v. I NO. 96 -348
I
ltATHIB J. ACltALUSltY, I
Defendant I CIVIL ACTION - LAW
NOTICB OP SHERIPP'S SALB OP REAL BSTATE
PURSUANT TO PA, R.C.P. 3129.1
To: Kathie J. Ackalusky
9A Richland Lane
Apartment T2
Camp Hill, Pennsylvania 17011
-and.
Any other parties having an interest in said real estate.
PLEASE BE ADVISED that the sale of the parcel of real estate
with the improvements erected thereon known as 909 Goodyear Road.
GardnerR. South Middleton TownRhi.p. Cumberland County.
PennRylvania, which improved parcel of real estate was conveyed to
Defendant Kathie J. Ackalusky by Deed dated July 1, 1987 and
recorded July 8, 1987 in the Office of the Recorder of Deeds of
CUmberland County in Deed Book 32, Volume U, Page 151, will be held
on September 4. 1996. under the auspiceR of the Sheriff of
Cumberland County. Cumberland County CourthouRe. One Courthouse
S~are. Carlisle. Pennsylvania. at 10:00 o'clock a,m. A complete
copy of the legal description of said improved real estate is
attached hereto as Exhibit "A".
The aforesaid sale is being held on the judgment of Great
Valley Savings Bank v. Kathie J. ACka1usky, indexed to No. 96.348
in the Court of Common Pleas of Cumberland County, said judgment
being in the principal amount of $24,711.21 plus costs of suit,
together with a per diem of $5.67 per day after December 19, 1995.
The aforesaid tract of land, with improvements erected
thereon, is owned or reputedly owned by the said Kathie J.
Ackalusky.
Claims against the property must be filed with the Office of
the Sheriff before the above sale date. Claims to proceeds must be
made with the Office of the Sheriff before distribution.
Notice is further given to all parties in interest of said
claim that a schedule of proposed distribution will be filed by the
Sheriff of Cumberland County on or about October 2, 1996.
Distribution will be made in accordance with the said schedule
unless exceptions are filed thereto within ten (10) days
thereafter.
Attached hereto is a copy of the Writ of Execution. It has
been issued because there is a judgment against Defendant, Kathie
J. Ackalusky. It will cause the property above identified to be
held or taken to pay the judgment. Defendant Kathie J. Acka1usky
may have legal rights to prevent the property from being taken. A
lawyer can advise you more specifically of these rights. If you
wish to exercise your rights, you must act promptly.
YOU SHOULD TAKE THIS NOTICE AND THE WRIT OF EXECUTION TO YOUR
LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE
GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU
CAN GET LEGAL ADVICE.
CUMBERLAND COUNTY LAWYER REFERRAL SERVICE
COURT ADMINISTRATOR
CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PA 17013
(717) 240.6200
You may have legal rights to prevent the Sheriff's Sale and
the loss of your property. In order to exercise those rights
prompt action on your part is necessary. A lawyer may be able to
help you.
You may have the right to prevent or delay the Sheriff's Sale
by filing, before the sale occurs, a petition to open or strike the
judgment or a petition to stay the execution.
If the judgment was entered because you did not file with the
Court any defense or objection you might have within twenty (20)
days after service of the Complaint for Mortgage Foreclosure and
Notice to Defend, you may have the right to have the judgment
opened if you promptly file a petition with the Court alleging a
valid defense and a reasonable excuse for failing to file the
defense on time. If the judgment is opened, the Sheriff's Sale
would ordinarily be delayed pending a trial of the issue of whether
the Plaintiff has a valid claim to foreclose the mortgage.
.
You may also have the right to have the judgment stricken if
the Sheriff has not made a valid return of service of the Complaint
and Notice to Defend or if the judgment was entered before twenty
(20) days after service or in certain other events. To exercise
this right you would have to file a petition to strike the
judgment.
You may also have the right to petition the Court or stay or
delay the execution and the Sheriff's Sale if you can show a defect
in the Writ of Execution or service or demonstrate any other legal
or equitable right.
You may also have the right to have the Sheriff's Sale set
aside if the property is sold for a grossly inadequate price or if
there are defects in the Sheriff's Sale. To exercise this right,
you should file a petition with the Court after the sale and before
the Sheriff has delivered his deed to the property. The Sheriff
will deliver the deed if no petition to set aside the sale is filed
within ten (10) days from the date when the Schedule of
Distribution is filed in the Office of the Sheriff.
Dated: June~, 1996
Jam Clippi , Esquire
Att for Pla 'ff
Grea lley Savings Bank.
CALDWELL & KEARNS
3631 North Front Street
Harrisburg, PA 17110
(717) 232-7661
72768-1
&
ALL THAT CERTAIN tract of land together with buildings and
improvements thereon erected, situate in South Middleton Township,
Cumberland County, Pennsylvania, more particularly bounded and
described as follows:
BEGINNING at a point in the center line of Legislative Route 21030,
also known as the Bendersville Road, at corner of lands now or
formerly of the Uriah United Methodist Church; thence along said
lands now or formerly of the Uriah United Methodist Church North 21
degrees 32 minutes East 132.30 feet to an iron pin; thence by other
lands of the said church herein, North 9 degrees 41 minutes 46
seconds east 8 feet to an iron pin; thence by lands now or formerly
of Lester Starner, 73 degrees 14 minutes 16 seconds east 140.00
feet to an iron pin; thence by the same and lands now or formerly
of Lester Starner North 10 degrees 52 minutes 10 seconds east 21.90
feet to a steel pin; thence by said lands now or formerly of Lester
Starner South 80 degrees 29 minutes 12 seconds east 77.25 feet to
a steel pin; thence by the same South 8 degrees 30 minutes 54
seconds west 62.20 feet to a steel pin; thence by same South 28
degrees 14 minutes 19 seconds east 123.70 feet to a point in the
center of the said Legislative Route 21030; thence by the center
line of the said Legislative Route 21030 by an arc to the right of
a distance of 322.22 feet, more or less, to a point, the place of
beginning. CONTAINING .8678 acres, more or less, and described in
accordance with a survey by John R. Williams, Registered Surveyor,
dated September 29, 1983.
BEING the same premises which Ronald L. Heisey and Susan I. Heisey,
his,"w!fe, by Deed dated July 1, 1987 and recorded July 8, 1987, in
the Office of the Recorder of Deeds of Cumberland County, in Deed
Book 32, Volume U, Page 151, granted and conveyed unto Kathie J.
Ackalusky, single woman.
BEING known as Tax Parcel
Goodyear Road, Gardner,
County, Pennsylvania.
Seized, taken into execution to be sold as the property of Kathie
J. Ackalusky, Mortgagor and real owner under Judgment No. 96-348
Civil Term.
No. 40-43-2759-009, also known as 909
South Middleton Township, Cumberland
72757-1
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GUAT VALLBY SAVINGS BANK,
Plaintiff
I IN TUB COtJRT OP COMMON PLBAS
I COMBBRLAND COUNTY, PBNNSYLVANIA
I
I NO. 96-348
I
I
I
I CIVIL ACTION - LAW
v.
ltATRIB J. ACltALt1SltY,
Defendant
APPIDAVrT PURSUANT TO PA.R.C.P. 3129
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF DAUPHIN
SS:
Great Valley Savings Bank, Plaintiff in the above mortgage
foreclosure action, sets forth as of the date of the Praecipe for
the Writ of Execution was filed the following information
concerning the parcel of improved real estate located at 909
Goodyear Road, Gardner, South Middleton Township, Cumberland
County, Pennsylvania.
1. The real estate as above identified to be sold at
Sheriff's Sale is described in Exhibit "A" attached hereto.
2. The name of the owner or reputed owner of said real
estate is Kathie J. Ackalusky, whose last known address is 9A
Richland Lane, Apartment T2, Camp Hill, Cumberland County,
Pennsylvania 17011.
3. The said owner of the said real estate and party having
an interest thereon, is also the named Defendant in this judgment.
.
4. The name and address of every judgment creditor whose
judgment is a record lien on the real estate to be sold are as
follows:
~ Address
Docket No.
Great Valley Savings Bank 210 North Fifth Street
Reading, PA 19063
1996-00348
5. The name and address of the last recorded holder of
mortgage of record on the real estate to be sold are as follows:
~ Address Mortgage Ref.
Great Valley Savings Bank 210 North Fifth Street 873 Page 53
Reading, PA 19063
6. The name and address of every other person who has any
recorded interest in or recorded lien on the property and whose
interest may be affected by the sale of the real estate are as
follows:
None.
7. The names and addresses of every other person of whom the
Plaintiff has knowledge who has an interest in the property which
may be affected by the sale of the real estate are as follows:
Millie M. Ackalusky
909 Goodyear Road
Gardner, Pennsylvania.
LeaselUnrecorded Agreement of Sale.
.
I verify, as Attorney for Great Valley Savings Bank, that the
statements made in this Affidavit are true and correct to the best
of my personal knowledge, information and belief. I understand
that false statements herein are made subject to the penalties of
18 Pa.e.s. Section 4904 relating to unsworn falsification to
authorities.
CALDWELL & KEARNS
Dated: June 6, 1996
Sworn to and subS9~ibed
bef~. me this C, '!9 day
of , .", , 1996.
,
~lL C. t&-tUA
'Nota;J, Public
NOTARIAL SEAL
nlLY C. KOLUS. Nola1y Public
HarriSburg. DauphIn COunly
My CommiSSIon Expires Nov.28, 19$
72761-1
2053
,
Ii
ALL THAT CERTAIN tract of land together with buildings and
improvements thereon erected, situate in South Middleton Township,
Cumberland County, Pennsylvania, more particularly bounded and
described as follows:
BEGINNING at a point in the center line of Legislative Route 21030,
also known as the Bendersville Road, at corner of lands now or
formerly of the Uriah United Methodist Church; thence along said
lands now or formerly of the Uriah United Methodist Church North 21
degrees 32 minutes East 132.30 feet to an iron pin; thence by other
lands of the said church herein, North 9 degrees 41 minutes 46
seconds east 8 feet to an iron pin; thence by lands now or formerly
of Lester Starner, 73 degrees 14 minutes 16 seconds east 140.00
feet to an iron pin; thence by the same and lands now or formerly
of Lester Starner North 10 degrees 52 minutes 10 seconds east 21.90
feet to a steel pin; thence by said lands now or formerly of Lester
Starner South 80 degrees 29 minutes 12 seconds east 77.25 feet to
a steel pin; thence by the same South 8 degrees 30 minutes 54
seconds west 62.20 feet to a steel pin; thence by same South 28
degrees 14 minutes 19 seconds east 123.70 feet to a point in the
center of the said Legislative Route 21030; thence by the center
line of the said Legislative Route 21030 by an arc to the right of
a distance of 322.22 feet, more or less, to a point, the place of
beginning. CONTAINING .8678 acres, more or less, and described in
accordance with a survey by John R. Williams, Registered Surveyor,
dated September 29, 1983.
BRING the same premises which Ronald L. Heisey and Susan I. Heisey,
his wife, by Deed dated July 1, 1987 and recorded July 8, 1987, in
the Office of the Recorder of Deeds of Cumberland County, in Deed
Book 32, Volume U, Page 151, granted and conveyed unto Kathie J.
Ackalusky, single woman.
BEING known as Tax Parcel No. 40.43.2759-009, also known as 909
Goodyear Road, Gardner, South Middleton TownShip, Cumberland
County, Pennsylvania.
Seized, taken into execution to be sold as the property of Kathie
J. Ackalusky, Mortgagor and real owner under Judgment No. 96.348
Civil Term.
72757-1
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GREAT VALLEY SAVINGS BANK,
Plaintiff
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
.
.
: NO. 96-348
v.
KATHIE J. ACKALUSKY,
Defendant
.
: CML ACTION. LAW
RETURN OF SERVICE
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF DAUPHIN
: SS
Personally appeared before me, a Notary Public In and for said County and State, JAMES R
CUPPINGER, ESQUIRE, who deposes and says that he Is the attorney for the Plaintiff, Great Valley Savings
Bank, In the above captioned matter. and thus does file this Return of Service pursuant to Pa. RC.P, 405 and
Pe. R.C.P. 31292. The affiant does furthermore depose and state that he mailed e true and correct copy of
the Notica of Sheriffs Sale pursuant to Pa. RC.P. 3129.2 and Affidavit pursuant to Pa, R.C.P, 3129, upon the
Defendant, Kathie J. Ackalusky and upon the other party named In the Affidavit, Millie M. Ackalusky, by certified
mall, return receipt requested. Said mailing placed In the U.S. Mall, postage prepaid, certified on June 13,
1996. Attached hereto, mar1<ed Exhibit "A" and made a part hereof by reference thereto, Is a true and correct
copy of the covering correspondence to said Kathie J. Ackalusky and Millie M. Ackalusky, and the certified mall
receipts, attached Postal Fonn 3811 for Kathie J. Ackalusky Indicating her signature on June 14, 1996, and for
MIllie M. Ackalusky on June 14, 1996.
CALDWELL & KEARNS
By:
\V'---
J mes R Clip ~~r, Esq.
SWORN TO and s~bscribed
before me this .:W' - day of
-;j~ .1996.
1i{{;!J (', K~
Notary P lie
73104-1
2053L
NOTARIAL SEAL
TillY C. KOLUS. Notary Public
Halrlsburg, Dauphin Counly
My Commission expires Nov. 28, 19~
'" ~ .
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CALDWELL & KEARNS
... ~"O'I:I'IOHAL CO"~O".'IOH
THO....... 0 CALDWeLL. J"
"ICHA"D L KC"'''HI
CAflJ" Q, W.....
.........C." Cr..I~~IHOC"
CH"'''''CI J DIHA"'. III
JAMEI 0 C......~.I:l.L "It
.I"MI:I L. OOLOI..-IT"
TIMOTHY'. "'A"K
JAMea Q NI:"1.0N. III
MATTHew fl. GOYUI
oIEIO"AH /Ii, CAYACINI
KEVIN "B"'L~nTIlI'IIm MAIL IIKTDRN
BY IIKGISTBlltm MAIL
ATTORNEYS AT LAW
3831 NORTH 'AONT STREET
HARRISBURG. PENNSYLVANIA 17110.1533
"",:1,."..'
,.. ''''':11.'7..
June 13, 1996
IIKCBIPT IIKOUBSTKD.
AmI
Ms. Kathie J. Ackalusky
9A Richland Lane
Apartment T2
Camp Hill, PA 17011
RBI Great Valley Savings Bank v. Kathie J. Ackalusky
No. 96-348 lCUlllberlan4 County)
Notice of Sheriff's Sale of 909 Goodyear Road,
Gardner, South Middleton Township, September 4, 1996.
Dear Ms. Ackalusky:
Pursuant to the Pennsylvania Rules of Civil Procedure, I am serving
upon you further Notice of the Sheriff's Sale of Real Estate known
as 909 Goodyear Road, Gardner, South Middleton Township, Cumberland
County, Pennsylvania, pursuant to the Writ of Great Valley Savings
Bank, to be held on September 4, 1996, under the auspices of the
Sheriff of Cumberland County, Cumberland County Courthouse, One
Courthouse Square, Carlisle, Pennsylvania at 10:00 o'clock a.m.
Enclosed herewith please find a copy of the Notice
Sale pursuant to Pa, R.C.P. 3129.1 which was
accompanying Affidavit pursuant to said rule.
If you have any questions whatsoever concerning said sale, I urge
you to immediately contact an attorney. If you do not have an
attorney, I recommend you contact the Cumberland County Lawyer
Referral Service at Cumberland County Courthouse, Telephone No.
240-6200.
of Sheriff's
filed with
JRC:tck
Bncls.
73078-1
2053L
Very truly yours,
~ /?. tJif~ /~
James R. Clippinger
CALDWELL & KEARNS
THOMA' D CALDWELL. ""
"ICHA"D L. MEA"N'
CA"L 0, WAil
.lAMe. It, CLI....INGC..
CtiARLC' .I, DCHA'''. III
"'AME' D. CAM..aCLL, "'".
.IAMEa L. GOLD'MI'H
TIMOTHY I. MA"M
.IAMea Q, NCALON. III
tlIATTHCW ... GOYI"
DEaO"AH A CAVAelNI
K.YIN ~Y.L~MlT:n'IBD MAIL RB'l'lJRH
BY RBGISTRRRn MAIL
CALDWELL & KEARNS
A ""O'EIIIONAL CO""OR"TION
ATTORNtYS AT L.AW
3031 NORTH rRONT lSTRttT
HARRISBURG. PtNNSYL.VANIA 17110-1&33
June 13, 1996
RBCBIPT RBOUBSTRD. AND
717..3,.7.81
'A.: 71'.'3'..70.
Ms. Millie M. AckaluBky
909 Goodyear Road
Gardners, PA 17324
RBI Great Valley Savings Bank v. Kathie J. Acka1usky
No. 96-348 (cumberland County)
Notice of Sheriff's Sale of 909 Goodyear Road,
Gardner, South Middleton Township, September 4, 1996.
Dear Ms. Ackalusky:
Pursuant to the Pennsylvania Rules of Civil Procedure, I am serving
upon you herewith Notice of the Sheriff's Sale of the Real Estate
with improvements erected thereon at 909 Goodyear Road, Gardners,
South Middleton Township, Cumberland County, Pennsylvania, to be
held on September 4, 1996, at 10:00 o'clock a.m., under the
auspices of the Sheriff of Cumberland County, Cumberland County
Courthouse, One Courthouse Square, Carlisle, Pennsylvania, pursuant
to the judgment of Great Valley Savings Bank v. Kathie J.
Ackalusky.
I am accordingly enclosing herewith a copy of the Notice of
Sheriff's Sale pursuant to Pa, R.C.P. 3129.1 which was filed with
accompanying Affidavit pursuant to said rule.
If you have any questions whatsoever concerning said sale, I urge
you to immediately contact an attorney. If you do not have an
attorney, I recommend you contact the Cumberland County Lawyer
Referral Service at Cumberland County Courthouse, Telephone No.
240-6200.
JRC:tck
Encls.
73087-1
2053L
Jvery tRlx<<ours,
\. <. \.."\.,,.n')vV\~'-^-_
~ R. CliP~~ger
CALDWELL & KEARNS
P e32 &bS bS&
Receipt for
Certified Mall
No Insurance Cover ago Provided
Do not use lor Intornotional Mall
(Soe Revurse)
~
-
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9^ Richland Lan
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f (,M~~') $
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E Fulton Bank v.
&
(J) ^ckalusky 2053L
Q. -
P 832 8bS bbO
Receipt for
Certified Mall
No Insurance Coverage Providod
00 not use for International Mail
(SOO Reverse)
~
-
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^ckalusk
51'''''I''''<ItJo,
909 Good ear Road
PO. ~,'...~u..nd ;~f' Coae
Gardners
rO~I;'lJIi
Pa, 17324
$
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20531.
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.. eComptlt. n;'" 1 enci'of :I tor ~ ........
"I . COmplete heml3. .1, IN 411.
I .".,. you' name Ind addrnt on 1hI,.... of IhII form 10 1\11.. can tMLm &hi.
.:,nt.: J:""'nn 10 1110 &...01 1110 _. 01 on 1110 _ K __...
.e::'R..vmR_Roq_'an1110 maI__""__.
J _TN Rllwn Receipt M11how 10 whom IhlIIUdI WI' dIIvertd and IhI all
S _.
13. d. Add....ed to: ,,;>
Kathie J. ^ckalusky
9^ Richland Lane
Apartment T2
Camp Hill, P^ 17011
i -Compfet,lt;'" 1 anli'or 2101 IddItlorYI MMctt.
"i -CompIeI'lteml3.... and 4b.
I .Print you' NmI tnd add,... on the,.... of INI form 10 INI WI can ,lIurn thI,
card '0_
. Arlach IhII fonn 10 IhllronI of 1M tMIlpitcl, or on thl bacl If apace don not
-"
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Ii -The Return RlCllpI willhow to whom 1hI1I'lk:I. WI' deltvtrld and thl date
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f
5. Rec.lved Sy: (Print NIlfIHl)
I 8.Slg
X
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Millip. M. Ackalusky
909 ~oodycar Road
r.ardners, Pa, 17324
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PS orm3811,Oec.mbotl994
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GREAT VALLEY SAVINGS BANK,
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
Pl.'ntlff
.
.
: NO. 86.348
v.
KATHIE J. ACKALUSKY,
D.f.nd.nt
.
.
: CML ACTION. LAW
RETURN OF SERVICE
COUNTY OF DAUPHIN
Personally appeared before me. a Notary Public In and for said County and State, JAMES R
CUPPINGER, ESQUIRE. who deposes and says that he Is the attorney for the Plaintiff. Great Valley Savings
Bank,ln the above captioned matter, and thus does file this Return of Service pursuant to Pa. RC.P. 405 and
Pa. R.C.P, 31292, The affiant does furthermore depose and stale thai he mailed a true and correct copy of
the Notice of Sheriffs Sale pursuant to Pa. RC.P. 3129.2 and Affidavit pursuant to Pa, RC.P. 3129, upon the
Defendant, Kathie J. Ackalusky and upon the other party namad In the Affidavit. Millie M. Ackalusky, by
restricted delivery. Said mailing placed In the U.S. Mall. postage prepaid. certified on June 13, 1996. Attached
hereto, marked ExhlbU "A" and made a part hereof by reference thereto. Is a true and correct copy of the
covering correspondence to said Kathie J. Ackalusky and Millie M. Ackalusky. and the Restricted Delivery
receipts. attached Postal Form 3811 for Kathie J, Ackalusky Indicating her signature on June 17, 1996, and for
Millie M. Ackalusky on June 15, 1996.
SWORN TO and slJllscrlbed
b~re m~ thls.;lll -'day of
,HMC- 1996.
7:/!/;,./ t. tE;. Chv
Notary P\lllllc
By:
73104.1
2053L
NOTARIAL SEAL
TILLY C, KOLUS. NOlary Public
llarrisburg, Dauphin County
My Commission Expires Nov. 28. 19!1'3
t:'
..,',',"
.
"'~'.'I'U"" .",,,'.'d Ill" ....",0( @
'.
CALDWELL & KEARNS
A ""o'e"'ON"L CORPORA"O'"
'"0"'.' 0 c"'l.ownl.. .U'
"'CHARD L KCUINI
CA"" O. WAil
JAMCI" C\.II'P'NOC"
CHARLIU oJ O&MA"'. III
J"MeID CA"'''lnl. .....
".....e. L. OO",O,""H
'IMOTHY I "'ARK
,,"Mel 0 NCALON. III
MAttHew". OOYIUlI
OCIO""M A, CAYAelHI
"Y'N "B'ltL'eItRTIPIRD nIL RBTmlH
BY RBGI8TRDRn nIL
ATTORNEYS AT LAW
3831 NORTH '''ONT STAEET
HARRISBURG. PENNSYLVANIA 17110.1533
'."1",'.'1
'A. "'.IU.""
June 13, 1996
RBCBIPT RBOtJB8TBD. AND
Ms. Kathie J. Ackalusky
9A Rich1and Lane
Apartment T2
Camp Hill, PA 17011
RBI Great Valley Savings Bank v. Kathie J. AckalusJty
Ho. 96-348 (Cumberland County)
Notice of Sheriff's Sale of 909 Goodyear Road,
Gardner, South Middleton Township, September 4, 1996.
Dear Ms. Ackalusky:
Pursuant to the Pennsylvania Rules of Civil Procedure, I am serving
upon you further Notice of the Sheriff's Sale of Real Bstate known
as 909 Goodyear Road, Gardner, South Middleton Township, CUmberland
County, Pennsylvania, pursuant to the Writ of Great Valley Savings
Bank, to be held on September 4, 1996, under the auspices of the
Sheriff of CUmberland County, CUmberland County Courthouse, One
Courthouse Square, Carlisle, Pennsylvania at 10:00 o'clock a.m.
Bnclosed herewith please find a copy of the Notice
Sale pursuant to Pa, R.C.P. 3129.1 which was
accompanying Affidavit pursuant to said rule.
If you have any questions whatsoever concerning said sale, I urge
you to immediately contact an attorney. If you do not have an
attorney, I recommend you contact the CUmberland County Lawyer
Referral Service at CUmberland County Courthouse, Telephone No.
240-6200.
of Sheriff's
filed with
Very truly yours,
~ 12.(~~/Pl
James R. Clippinger
CALDWELL & KEARNS
JRC: tck
Bncls.
73078.1
2053L
,
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CALDWELL & KEARNS
A ....on...ON.L co..,O"."ON
ATTORNEYS AT LAW
'"OMAI D CALDWEI.I... ,,",.
"ICH,,"D L. 1l1:""HI
CAIlIL Q, WAil
"AMCI III. CLI"flIHOC"
CHA'U.CI .I, D&HAI"'. III
....NC. D, CAMPIUI.. "'...
"'.MEI L. OOLDI...IT"
TlMO'HY I. MA""
.....e. Q. NeAL.ON. III
MAtTHEW Ill. GOYE"
DCIOlllAM A. CAYACINt
.'.'N 'B!t-'~Ml.TI.IIm KarL IlRTIJRH RBCBIPT
BY UQIS'I'Rlnm 11& TL
3831 NOATH 'RONT aTAtET
HARRISBURG. PENNSYLVANIA 17110.IS33
June 13, 1996
RBOUBSTBD.
AND
"7.'.1'.""
'A": '17.'.11.17"
Ms. Millie M. Ackalusky
909 Goodyear Road
Gardners, PA 17324
RBI Oreat Valley Savillgs Bank v. Xathie J. Acltalusky
Ro. 96-348 (CuIIlberland County)
Rotice of Sheriff's Sale of 909 Goodyear Road,
Oardner, South Kic!c!letoll Township, September 4, 1996.
Dear Ms. Ackalusky:
Pursuant to the Pennsylvania Rules of Civil procedure, I am serving
upon you herewith Notice of the Sheriff's Sale of the Real Bstate
with improvements erected thereon at 909 Goodyear Road, Gardners,
South Middleton Township, CUmberland County, Pennsylvania, to be
held on September 4, 1996, at 10:00 o'clock a.m., under the
auspices of the Sheriff of CUmberland County, Cumberland County
Courthouse, one Courthouse Square, Carlisle, Pennsylvania, pursuant
to the judgment of Great Valley Savings Bank v. Kathie J.
Ackalusky.
I am accordingly enclosing herewith a copy of the Notice of
Sheriff'S Sale pursuant to Pa, R.C.P. 3129.1 which was filed with
accompanying Affidavit pursuant to said rule.
If you have any questions whatsoever concerning said sale, I urge
you to immediately contact an attorney. If you do not have an
attorney, I recOll'll\end you contact the CUmberland County Lawyer
Referral Service at Cumberland County Courthouse, Telephone No.
240-6200.
dvery t((l~~rs,
~~\.M<J-^-.
~ ~ (,)
James R. Clippinger
CALDWELL & KBARNS
JRC:tck
Bncls.
73087-1
2053L
P 511 154 ~4b
U~1-'1)5I.lISt.'rV1CO ~ll~@~"b'EA~'nlt /^". -
Receipt for Certified Mall -I .eomp........_......__. lallOwtlhtorocelvllhl
NlllrlSUfdtlClt Covorago Provid(l(t 'I -ComclN41 ItImI 3, .', ancI"b. following ..Me.. (lor an
Dn 1ll:1 U~'l-' lor Inlcrnallon.i1 Mall (S8f1 It.l\(lf!j(11 I .PMI your name and addm, on IN II.... ol_form 101M'''' can rllum ItII extra 1M): i
"K';~"t"'I' J A k I k '1 .=J:'iannOOIho_oI..._.........bodod__noc I. CI Addre_'.Addre..
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'C:~'(;;p 'fl'l tl",c^"" PA --i-:'011 IS 3~:'Addre'lIdto: 41. \~~':;tlllorl..,
P."",., S Ka thie .J. Ackn I usky j
C.rt'''''''," 9A Richlllnd Lnne 4b.SINIcITypI '" rtlftod
~ RIlII.tllod .;.. CI f
Apartment T2 ..
"""""G.,,,.,,,,, Camp Jlill, PlI. 17011 lJ expreuMaU lJ In.ured
~_ e(RltumRlcllplIofMlrcMdIl lJ COD
"""do' 0...,,,,... ~~~ 7.0.110 IIV.'1.'1. t
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~ andl..llpIlid) ~
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PS Fonn 3811. December IIlll4
""
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?ifltotJIIR~I!'f1~Io'Mv:fl
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o
~ TOTAL PosTage" fees
M P05lrnar1l0l0ale
~ 2053L
...
Vl
~ Fulton Uank/Ackalusky
$
P IlJ2 IlbS bS'I
~ Receipt lor
Certified Mall
.. No Insurance Covorago Provided
~ 00 not u~o for Intornational Mail
" \'.. \.I"" (Soo Revorso)
,.,,'" Hi Ii ie M. Acka 1 usk
';""ela:>dtj'l.
909 Good ear Rand
..
3
'ii
I
&
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13. ArUde Addreued to:
Millie H. Ackalusky
909 Goodyear Road
Gardners, PA 17324
.
_Complete iWn. I ~Of 2 for ~......
_ CompttiI. IIemI 3. 4a, and ltb.
.PrInI your nM'II n addteIl on IhI m'ItH ollhll tonn 10 thai.. can rei"," WI
_10 you.
-Abc:h IhllIorm to 1M IronI 01 1M rNiIPIcI. or on IhI bIdl tllPICI doeI not
.~R_R__lId''''''''''''''''''_'''._numboI.
-n. RII"," Rec:el1It w111hOw 10 whom IhIIrtIdI wu dIIvereCI and IhI dU
-,
F'O.Sl.111l1l!"41J"eooe
Ga c1n
P
$
1732
J'~'\t.1/O
Ct'It.~dr..
I
Domesllc Return Receipt
$p.dal 0........1')' f..
-IS-?(.:.
8. Addr....... Addre.. (Only /I reque"od
and lee II pe1d)
n.,llld..J De....,., fM
m fI~"," F4....~t ~...--a
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PS Form 3811, Decemb.r 1994
$
Fullon ~ank/AckdJu4ky
~053L I
.
Great Valley Savings Bank
Successor in interest to
Central Pennsylvania Savings Assoc
vs
Kathie J. Ackalusky
In the Court of Common Pleas
Cumberland County, Pennsylvania
No. 96-348 Civil
R. Thomas Kline, Sheriff, who being duly sworn according
to law, says this writ is returned STAYED DUE TO BANKUPTCY.
Letter is hereto attached from attorney
Sheriff's CostSI
Docketing
Poundage
Posting Bills
Advert is ing
Law Library
County
Mileage
Cert Mail
Postpone Sale
Levy
Surcharge
Law Journal
Patriot
Posters
30.00
16.51
15.00
15.00
.50
1.00
15.36
3.25
50.00
15.00
4.00
301.25
338.50
36.68
842.05 Pd. by Atty. 12-6-96
THIS WRIT IS RETURNED STAYED 12-6-96
Advance Csots
Sheriff's Costs
REfund to Atty
$l,OOO.OO
842.05
$ 157.95
Sworn and subscribed to before me
this I~~ day of 1..I4a...J.....-. 1996
n '/~' () )14 ,/~". "'.hZ::,
~ Prothonotary' '"'i'] ,
So an;?hr:' ..... "<~.:'~..
~~",.~,....-......". .,.---- ..
. I
R. Thomas Kline, Sheriff
by
(llL...L~, ()Ll lJ'-
Deputy
I. ~'t) ClI.. I ~-.rr I
I?u-. 'II. '/7 /
~
. .
,
Rt^L rr:l",jT!=" 0.,"1 E N
J..O. L,..t,)".Io (f_ ~~_. ~...O.
@~~U~~
On ~(L""'" J a. J 91 (., the shcrHf levierj upon til9 e)i:I...
Interest In the real property situated in;~'1.-1t ~t""...:Iwp
Cumberland County, Pa.. Imown and numbf:fcci as: W~ta-(.\..J2e.
~u.P-~ and morc :ul~~' ;:".-:;(,':'<: (iil ij!\;l)il "A" iii,:~: .
this writ and by this rcference im:crpon\cd herein,
Date: I" . /:J. - 9/.,
By:OJ/f"I'ti .)3, aI~
j?J ?~;..O~*
'1\ H'J ".}.' \"I\.\:~1d
-r"'" .,:' \.! )
~G, \\~ to ca 1. \ \\I\f
.,;,'J
;.; _ ,.' . JO~~\HO
:t;4ih~h;, :..1...
.
. ,
.
WRIT OF EXECUTION snd/or AnACHMENT
COMMONWEALTH OF PENNSYLVANIA) NO. 96-348 CIVILXI~
COUNTY OF CUMBERLAND) CIVIL ACTION. LAW
TO THE SHERIFF OF ClITlberland COUNTY:
To satisfy the debt, Interest and costs due Great Valley Savings Bank - Successor in Interest
to Central pennsvlvania Savinas Association PLAINTlFF(S)
from Kathie J. Ackaluskv 9 A Richland Lane. Aoartment T2. Cano Hill. Pa, 17011
DEFENDANT(S)
(1) You are directed to levy upon the property 01 the delendant(s) and to sell
See attached descriotion of real estate
(2) You are also directed to aUach the property of the delendant(s) not levied upon In the possession 01
GARNISHEE(S) as follows:
and to notny the garnlshee(s) that: (a) an attachment has been Issued: (b) the garnlshee(s) Is/are enjoined Irom paying any
debt to or lor the account of the delendant(s) and from delivering any property of the delendanf(s) or otherwise disposing
thereol:
(3) II propertyolthe delendant(s) not levied upon an subject to aUachmentls lound Inthe possession 01 anyone other
than a named garnishee. you are directed to notny hlnvherthat he/she has been added as a garnishee and Is enjoined as above
stated.
Amount Due
Interest
AUy's Comm
AUy Paid
Plalnt"' Paid
L.L. SO. 50
Due Prothy 1 _ 00
Other Costs
S24 .711.21
%
SlOO.40
Date: .1l1np 10, 1 q%
T .RWTPnC'!P 'F. _ Wp 1 kPT
Prothonotary 0 Civil Division
by: q'1'-'- O. )~.J
Daputy
REQUESTING PARTY:
Name Janes R. Cliooinaer. Esa.
Address: lfill Nnrth Prnnt "trppt
Harrisburq, Pa, 17110
AUOrney lor: Great Vallev Savinas Bank
Telephone: (7171232-7661
Supreme Court 10 No. 7159
..
CALDWELL & KEARNS
A PAO,.taaIONAI. CORPORATION
ATTORNEYS AT LAW
THOIlU.. D. CALDWELL. ..1ft
"ICHARD L. KEARNS
CARL Q. WAI.
JAMEI R, CLI....INGtA
CHARLEe J. QlHAAf. III
JAMES D. CAMPBELL. JR.
..lAME. L. aOLDIMITH
TIMOTHY L MARK
DEBORAH A. CAVACINI
KEVIN D. ULIOTT
3e31 NORTH FRONT STREET
HARRISBURG. PENNSYLVANIA 17110.11533
711,131.7,,81
,.AX: 717-131.1788
December 2, 1996
Mr. Thomas Kline, Sheriff
At.l:D: AUdrey
Cumberland County Courthouse
One Courthouse Square
Carlisle, PA 17013
RBI Great Valley Savings Bank v. Kathie Joy ACkalusky
No. 96-348 Civil Te~
Real Bstate Sale No. 16
Dear Audrey:
To confirm our recent phone conversation, the Sheriff's Sale in
this matter should continue to be stayed by virtue of the pending
bankruptcy of the Defendant/Owner, Kathie J. Ackalusky. If you
need any further information from me, please call. Likewise, if
any further sums are due at this time to the Sheriff's Office,
please advise and I will be happy to promptly remit same.
Thank you for your help.
Very ~lY yours,
James R. Clippinger
CALDWELL & KEARNS
JRC/tck
77012-1
2053L
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GREAT VALLEY SAVINGS BANK,
Plaintiff
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
.
.
: NO. 96.346
v.
KATHIE J. ACKALUSKY,
Defendant
.
: CIVIL ACTION. LAW
PRAECIPE
TO THE PROTHONOTARY:
Please mark the judgment In the above.identified action satisfied and paid in full.
CALDWELL & KEARNS:
By:
James R. IIpplnger, Esqu1r
\
Attorney' 0 #07159-
3631 North Front Street
Harrisburg, PA 17110.1533
Attorneys for Plaintiff.
)
Dated: March 21. 1997
84966.1
2053L