The URL can be used to link to this page

Home My WebLink About96-00468 \ V) iil ~ . ~ ~ - ~I ~I o/J ~ ~ , ~ J I 00 ~ :r """"-- P 375 9],9 284 US PO'1a1 Servlce Sett Ie Receipt for Certified Mall No Insurance Coverage Provided, 00 noluse lor International Mall See fDV81S8 Senllo Nuah E, Suwers Strtet & Numbor 955 Baltimore Pike Pasl Offlce, State, & ZIP Code Gardners PA Poslage 17324 $ .32 I. 0 Cerbfied Fee Special Delivery Feo Ro.tridod O"'"'Y Fee on g: Return Receipt Shovmg 10 - Whom & Oala Dei..rad 1 . 10 a _Reo:'" 9owrtJ~-. .:f; OII1.&MhsSH',Mtess ! TOTALPos1ago&F...'. $ 2 52 C") PostrnalttOlOtl. . "... I E 1" I o ~, ::;\ .~,~."/ a. '" .\~ / EXH~BIT C .''i " :~ " ." oj' ,(.j .~~~~ .. << '. ..".~ \', ;, ,.'. ~. . , . . ',,',' <' 1 '".~ ",I ,; ~ ". 2/ .....-.~ cr)-. '; <:. ~~\-'\11 -. ~;J'i t5" 1'4 , _u ... f.' (.} ....-= ll.1' ';\ ,::1 ::;. .~ E ..-, ..= I. ".. " ' .~' ,I '.l ::t' 00 ru a- ,..,. a- U'I "" IT! l1. ..~ ",::!i .., .. ll. r- .. - ~~.... OO~ <Il ,8 . ,- ~ UJC;u ~lXlC o '" 'E z~~ _J' - , j r( , J. , ... it. Complete ft."" 1 and/o, ::I lor Iddlt6onl1 MMe... I Ilia w~ l tpi, rllt'I~~ th. I i . Complet.lt.m. 3. and 4.. b. ',O..IIDI:Wlng .~,~Icel'",(.fo._:r ',n. xtr. j' J) . P,tn. your n&mI .nd add",. on thl '.VI'.. 01 tN. form 10 thlt w. can '-' Fltum thi. Clrd let you. . A.II.h.h1.f.nn......"on..,........p1.......n....b..klf..... 1,0 Ad .......Add.... ,I do.. not permit. '"'-.,-- I':, lJ . W,h. "R.turn A,wPI RIlqUlItId" on the m.iI&:MKI blktw tMlnlc.. number 2. 0 Re.trlcted Delivery . ThI R,tum R.nlp. wlll.how to whom the artkit WII dtMv'tH and thl d.l. & d,WV'ftd. Con.ult oltma,'er for f... 1 3. Anlcl. Addr....d 10: 4.. Anlel. Number j ': P 375 919 28 ~ Ii Noah E. Sowers 4b. S.rvlc. Typ, 'II 955 Baltimore Pike OR.gllI.r.d Oln.ured {': l:l Gardnera. PA 17324 IXI C.nlfl.d 0 COD II! 0 expr... M.II 0 R.turn R.c.lpl'or g 7. oltl of Delivery ! : i c t' I 6, Slgn'lur. IAddr.....1 8. Addr....... Addr... (Only If r.qu.lI.d J I t" ~ and fe. II paid) , , 8, Slgn.lur. (Ag.nt) I ! PS Form . D.c.mber 1891 *U.o.0P0:,-.7.. DOMESTIC RETURN RECEIPT ' ",-"-- ,or ',' j ~ q \ I f ;1. .~ ; I' " , f -.' ";.. .-.11 , Omclol Bu...... 111111 UNITED STATES POSTAL SERVICE PENALTV fOR PRIVATE USE TO AIIOID PAYMENT Of POSTAGE, S300 B Print your nama, addle88 and ZIP Coda here . . ATTN: SUSAN SE1TLE ADAMS COUNTY NATIONAL BANK P. O. BOX 3129 C:::fTYSBURG. PA 17325 . . " ! \. I I I ,. , I ? q \ I ,. : I, .~ ~f' if , ._-.. ~.^,,,;.--,: ..'" ,. 1.<1 " .' ~ f -.' -,.~, To: Nl"Jh ~:. SOWllrR Date: Nov,-mbl'r 28, 1995 91)') Bait imnrl' Pikll IUi: Mnrlgage Loan Nn. 84.11566 G.lrdnt'rH. PA 17324 NOTICE OF INTENTION TO FORECLOSE MORTGAGE The MORTOAOE held by Adams County Nalional Dank (hereinafter we. us or oun) on your property loealed at 41 Smit.h R'loId. G.lfdnl'rH. Sout.h Middll'town Town"hip. Cumbl'fland Count.y. PA , IS IN SERIOUS DEFAULT btcause you have nOI made Ille /IIonthly pa)'mtllls ofS 152,62 far Ihe momh.r /If AUl!usl. Sllotl1mbl1r. Oetober .tnd Nnvembt'r 1995 . Laic charges or olher charges haye also accrued 10 Ihls dale in Ihe amount of $ 10.00 The tolal amount now required 10 cure Ihls defaull, or In other words, gel caught up in your paymenls, as of Ihe dale of this leller, Is $ 523.10 You may cure Ihls defaullwllhln TII/RTY (30) DA YS of Iht datt of III/.r 1m", "? 1'11.1'11/11 III I/.r ,ht ""m't 11/1101/11/ IIf $ 523, 10 . plus any additional monthly payments and lale chorgts which //IllY fall dl/t dllrll/g Ihl.r perlOlI. Such paymenl musl be made cilher by cash, cashier's check, certified check or mopey order, and made at any office of Adams Counly National Dank. If you do nol cure Ihe defaull within THIRTY (30) DAYS, we Inttlld 10 t.rtrcise ollr rlghllo acCeltrale Ihe mortgage pa)'/IIent.r, This means that whalever is owing on the original amount borrowed will be considered due immediately and you may lose the chance 10 payoff lhe original mortgage In momhly Installment.. If full pa)'lI1entllf Ihe amount of default Is nol made wilhln TIIIRTY (JO) DAYS, we also Intend 10 Inslruel our al/omeys 10 slart a lawsulllo foreclose YOllr /IIortgaged propmy, If Ille /IIortgoge Is foue/oud your mortgaged property will be sold by Ihe Sherifflo pay offlhe /IIortgage debl. If we refer your case to our allomeys, bUI you cure the default before they begin legal proceedings againsl you, you will still have to pay Ihe reasonable allomey's fees, aClUally incurred. up to $50.00. However, if legal proceedings are starled against you, you will have 10 pay Ihe reasonahle allomey's fees even if Ihey are over $50,00. Any allomey's fees will be added to whatever you owe us, which may also include nur rcasonahle cosls. If .1''''' cure Ihe defaull wllhln Ihe Ihlrty day period. YOII will 1101 be reqlllred 10 pay aI/arney's fus. We may also sue you personally for Ihe unpaid principal balance and all olher sums due under the mOrlgage. If you have nol cured the default within Ihe !hirty day period and foreclosure proceedings have begun, )'0// .r/ill hm'e Ihe righllo Cllre Ihe defallll anti prtl'ent Ihe sale at any lime "I' 10 one hour befou Ihe SherifJ's fouclo.rllre ,role. YOI/ /110)' /1/1 .ro ".1' pllylllglhe lowl 111I101111/ of Ille IIl/pllld monthly paymtllls plus any lale or olher charges Ihen dlle, as well as Ihe rea50nlll1le 1I1/0rtlty 's fees IInd COSIS conl/ecletlwllh Ihe foreclosure sale and pet/orm any olher requirements I/nder Ihe mar/gllge, It is estimaled that the earliesl dale thai such a Shcriff's sale could be held would be approximately Februarv 1996 , A nolice of the dale of Ihe Sheriff's sale will be senlto you before !he sale, Of course, the amoum needed 10 cure the default will increase Ihe longer you wall. You may find out at any time exactly what the required payment will be by calling us at the following number: (7 17) 677-7 139 . This paymenl must be in cash, cashier's check, certified cheek or money order and made payable 10 us al any office of Adams County Nalional Dank, You should realize Ihat a Sherlfrs sale will end your ownership of the morlgaged property aod your right to remain in iI. If YOll continue 10 live in Ihe properly after the Sherifrs sale, a lawsuil could be started 10 evlcl you, You havc additional rights 10 help protect your iOlerest in Ihe propcrtj', YOU HAVE THE RIGHT TO SELL TilE PROPERTY TO ODTAIN MONEY TO PAY OFF THE MORTOAOE DEDT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEDT, YOU MAY HAVE TIlE RIGHT TO SELL OR TRANSFER THE PROPERTY SUDJECT TO THE MORTOAOE TO A DUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEDT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTIIER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES TillS RIGHT MIGlIT EXIST. YOU HAVE TIlE RIGHT TO HAVE THIS DEFAULT CURED DY ANY THIRD PARTY ACTING ON YOUR DEHALF, If you eure Ihe defaull, Ihe mortgage will be reslored 10 Ihe sa/lle posllion as if I/O tlefoult had occurred. However, you arc 001 enlilled to this righllo cure your default more Ihan three times In any calendar year, *Cnpies also sent to mortgaged premises at.: 4 I Smit.h Road Gardnurs. PA 17324 ADAMS COUNTY NATIONAL DANK By: /ttaA ,.J th ,.fat/;_ .susan M, Sellle ' Dellnquenl Loan and Forcclosure Administrator 1 ~1 ! . P 375 'lL'l 2&5 Sett Ie US Postal Service Receipt for Certified Mall No Insurance Coverege Provided, 00 nol use lor International Mail 5'6 nw,fSB SenIIO Noah E. Sowers Slrell&Nurn:ltr 4 I Smith Road Post Othco, Stile. & IP Code Gardners P EXHIBT'I' D .~ '" '-:'7-;-;';.;",: '. .' .,', I,.... " (' r \':';.' '"'' , "()' .,. - ) <!) .~ ; '. " g W IJJ 0.1JJ o W w-o ;0-0 c '" W C o~ 0.0; o~ 0 -W UJ IDE - ~o u.. w- ~ ~ ~ ex: co~ uJ -o.c U 0- U- ,~"J ~ . ......,....... L1l '" ru lJ" ... lJ" L1l ?"- m , \ i \ \ \ \ \ \ , \ \ ~~ i:C ..: 8~i S ~ ~z ~ ~ i \ I , \ , ._J~ ';>,- \... '>.< ]'\~I\ _I _.~~ ~~'1J.\'. CJ. ." I . : , ,\" 1 " .', -r\ ! ---- .\- ~ ~ ~ ,~ a. / - - ;- ,. "' 5 "' 0: .", 9- ;- <.,; w to: to: o <.,; oF. '" '" to: c: c: .. ;: , , -, , \ . I ~ H \ :r " , 'I' 1 ,. ' ~ .' j , f ~4J ~ ~ ',.'li.",'I. . , , ' . , ,.-' . .. . \ \ \ \ \ , \ ,- ~ .", c: to: .. ~ to: C .. i,., ... ~ .f. ;<' ',' ", . ..... - ;.' ~J' , : i I .. . Compltt. ~tmll .nd/or 2 for 1CIdttlofyI..rvk:... I .I'~:('wl.h. to '..clivI the::;:" It,'" I' Com"''' I..... 3. IIOd .. · b, 101l0Wlf" I~. ~:" 1,1~) .n 'XU'l' . Print your natM .nd addIt.. on the ftWItH 01 thl. form 10 thlt w. can 1 I "\ ~.. ..J rttum thlt c.rcI to you. " : "~I J '1'... ,~-.. r~-' . An.th thit 'om 10 the lront of the mlllpIK.. Of on the b.ck " .pace 1. ci..A~;~."~';" Addr...: . ~ dot, not permit. . -I . Writ. "Return Receipt Requnted" on U. mIUp6tc:. bltow thllrtkle number 2. 0 R.~.trlct~d Delivery IIi; . The R.turn Receipt will ahow to whom the artkII WII dtllivfltd and the d.1I & d.lv.red. Con.ult oalm..,,,, for f... 1 3. Artlcl. Add....ed To: 4.. Artlcl. Number J : i P 375 919 285 & Noah E. Sowers 4b. S.rvl.. Typ. I II 4 I Smith Road 0 Roglltar.d Olnlured I ~ IXI C.rtlll.d 0 COO 1 :: Gardners, PA 17324 o exp.... M.II 0 R.turn R.c.lpt lor , 'I 8 7. O.t. 01 O.lIv.ry ! : I ca: ii, , z ~, J a: 6. Slgn.tu.. !Add......' 8. Addr.....'. Add.... IOnly " ..quilted J ; , . I and 'el I, paid) , , a:: 6. Signature CAgent) l ~ ,; PS Form . O'..mber 1991 OU.a.CII'O:,_.714 DOMESTIC RETURN RECEIPT j ~ ;. q \ f' ;~' ,., ~f' l .~ if f '..' '""' UNITED STATES POsTAL SERVICE , , J I J I I I I I I I I I I I I I I t , , 0ffJc1ll BUltne.. -.-,c':.,..;,,,,...,-';".;. ;,'v""-:,.q,.".,,.:;'::...-:.. PENALlY FOR PRIVATE use TO AVOID PAYMENT OF POSTAGE, S300 u Print your name, address end ZIP Code here . . ATTN: SUSAN SETTLE 'ADAMS COUNTY NATIONAL BANK P,O, BOX 3129 GETrV5BURG, PA 17325 , I I ! 1 " I f ( . , . , i: f I I I ! . ~' '" " . ' . -'." '. -.' - ',.. ...... I I ~ q I If' '~' ~ I' 1 . r To: NIMh E, Sower. Dale: Nov~mbl!r 28, 1995 955 Oaltimnrl' Pike RI!: Morlgage Loan No, 8431566 Gardner!. PA 17324 NOTICE OF INTENTION TO FORECLOSE MORTGAGE The MORTGAGE held by Adams Coonty National Dank (hereinafler we, us or ours) on your property located at 41 Smith ROdd. Gdcdners. South Middletown Townshio. Cumberland County, PA --' IS IN SERIOUS DEFAULT bteause you haye nOI made Ihe monthly payments of S I 52 .62 for Ihe months of Aultust. S~ot~mber. October and November 1995 . Late charges or other charges haye also accrued 10 this dale in the amouat of S 10.00 . The lotal amount now required to cure this default, or In olher words, get caught up in your payments, as of thc date of this letter, Is S 523.10 You may cure Ihls dt/aull wllhln THIRTY (30) DA YS of Ihe dale of Ihis Itller. I>y paying ro liS Ihe above 00101/111 of S 523, 10 . plus any addillonal monthly paymenls and laIC charges which may fall due during Ihis period. Such payment must be made. eithcr by cash, cashier's check, ccrtlfled check or money order. and made at any offlce of Adams County National Bank, If you do not cure the default within THIRTY (30) DAYS, we inlend 10 exercise our righllo acce/erale Ihe mar/gage payments, This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to payoff the original mortgage in monthly Installments, If full paymcnt of the amount of default is not made within THIRTY (30) DAYS, we also intend 10 inslruel our a/lomeys 10 Slar/ a lawsuillo fortelose your mar/gaged property. If Ihe mar/gage is foreclosed your mar/gaged property will be sold by fhe Sherifflo pay offlhe morrgagedebl. If we refer your case to our allorneys. but you cure the default before they begin legal proceedings against you, you will stili have to pay the reasonable allomey's fees, actually In~urred, up to S50.oo, However, if legal proceedings are started against you, you will have to pay the reasonable allorney's fees even if they arc over S50.OO. Any attorney's fees will be added to whatever you owe us, which may also include our reasonable costs. If YOII cure Ihe defaull wilhin Ihe Ihirty day period, you will nol be reqllired 10 pay aI/arney's fus. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage, If you have not cured the default within the thirty day period and foreclosure proceedings have begun, you slill have Ihe righllo cure Ihe defalllt and prevenl Ihe sale 01 any rime up 10 one hour before Ihe Sheriff's foree/osllre sale. YOII /IIay do so by paying Ihe 10101 0/1101111I of Ihe IInpaid monthly payments plus any laIC or olher charges Ihen due, as well as Ihe reasonable aI/arney's fus and COSIS connected wilh the foree/osure sale and peiform any other requirements IInder Ihe mar/gage, It is estimated that the earliest date that such a Sheriffs sale could be held would be approximately February 1996 . A notice of the date of the Sheriffs sale will be sent to you before the sale. Of course, the amount needed to cure the default will Increase the longer you walt. You may lind out at any time exactly whalthe reqoired paymenl will be by calling us at the following number: (7 17) 677-7139 , This payment must be in cash, cashier's check, certilied check or money order and made payable to us at any offlce of Adams County National Dank, You should realize that a Sheriffs sale will end your ownership of lhe mongaged property and your right to remain in it. If you continue to live in the property after the Sheriffs sale, a lawsuit could be staned to evicl you, You have additional rights to help protect your inlerest in the propeny. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO ODTAIN MONEY TO PAY OFF THE MORTGAGE DEDT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT, YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A DUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES TillS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR DEHALF. If you cure the defaull, Ihe mortgage will be reslored 10 rhe same position as if no defallll had occurred, However, you arc not entitled 10 this right to cure your default more than three times in any calendar year, *Copies also sent to mortgag~d premis~s at: 4 I Smith Road Gardners, PA 17324 ADAMS COUNTY NATIONAL DANK ,I ~ By: JU..LA,I) Il1 Ittlr - sUsan M, Sellle I Delinquent Loan and Foreclosure Administralor .... V) . Ir' .. ,.' ,'~ , "' (" III ~:-~ (/) j i): .. '.,1;::, : h;r" , . . j :' , ".. .- j ~C , ('-: m '. . ~~ I I UI" <": "1" , .-- I' .-,. ,;."':,; u:..: : ltih1 [" ~.~ .. ~~~~:. ", '-." :..~) 0 0" U ,,- ., IVu ~. f:;~ ~~ ~>l ~ 0.'" :z:~ 9'" I Slo. 0 . :z: ~~ 0 ... H 0::> U HO < ""U ... ~! ... 0 > :z: ... u ='" :~ ....u .. ,-..J '0 ,..) ""' , '''':) \~ \ .. ., , , '-;:r- 7'.., "J "; "" '~ . , ~ 'J ~ ~ ':;:',--) --..;. ~ ... ~ ~.~ c::.....;'='.':' \ ~ ~\ ~ C\-<. - . ..... . .. ~~ .. .. c " .. III '" C 'tl 0 ffi i ~ '... c ... :;;J~ .. u .... .. :z:o. .. .. 0 t:l 0 ... r.. !;; . . .. IZ :z: > 01) ... '" .. ~ ilil i "" 00 ~ .. .. 0 :l! 0 '" u . c ~ '" '... ~~I~~ ~ c ~ < R ~ ~ 0 0 '... :z: .. u < in I 0 ,. C: , ... " '''' ADAMS COUNTY NATIONAl. DANK, Plaintiff, IN TIlE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION . LAW No. 1~' ~~s (?I t~ Cj 1.~1"- v. Action In Mortgage Foreclosure NOAII E, SOWERS. Defendant, To ' NOAH E. SOWERS, Defendant: NOTICE You have hccn soed in coun. If you wish 10 defend against the claims set fOM In the following pages, you mustllllcc action within twenty (20) days aftCf this eomplainl and notice are St:rved, by entering a wrlllen appearance personally or by allomey. and filing in wriliog with the coun your defenses or objections 10 the claims set fOM against you. You arc warned thai if you fall to do so, the ClL~e may proceed without you and a judgment may be entered against you by the coun without further notice for any money claimed in tile complaint or for any other claim or relief requested hy the Plaintiff. You may lose money or propeny or other rights impunantlo you, YOU SHOUW TAKE THIS PAPER TO YOUR LAIVYER AT ONCE, IF YOU DO NOT HAVE A LAWYER, OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BEWIV TO FIND OUT IVHERE YOU CAN GET LEGAL HELP. Coun Administrator Cumberland County Courthouse FOUM Floor Carlisle, PA 17013 Telephone Number: 7t7-240,62oo A VISO USTED HA smo DEMANDADO EN LA CORTE. SI usted desea defendersce de las quejus expuestlL~ en Ia.~ p4glnas sigulenles, debe tomar aecllln dentm de velnte (20) d(lL~ a partir de la feeho en que n.'Cibi6 lu demanda y e1 aviso. Ilslcd debe prescntar comparccencla escrila en persona 0 pur abogado y prescntar en la Cone pur escrilo sus defensns 0 sus objeclones nllL~ demandas en su contra, Se Ie llvisn qoe sl no se deliende, el ClL~O puede pnlCl'tler sin uSled y la Cone puede decldlr en su contm sin mlL~ llviso 0 nollliencl60 pur cunlquier dincm reclumado en la dcmanda 0 pur cualquler otra queja 0 compensacl6n n.'Clamados pur el Demandante. USTI{D PUEDE PER()(iR (J(NI:'RO, 0 PROPIEDA(JES U OTROS DI:'REC110S IMPORTANTI:'S PARA US1'f.'D. lll,VI:' ESli\ f)/iMANIJA A UN AnOGAIJO INMI:'/JlATAM/:'NT/i, .'II USnil) NO miNli 0 NO CONOCI:' UN AnOGADO, VAYA 0 llAME A LA OFICINA EN LA ()(RI:'CCION I:'SCRITA AnAJO PARA A VERIGUAR DONDI:' PU/im: OnTI:'NER ASISTf.'NCIA LI:'GAL Coun Admlnlstralor Cumberland County Courthou.~e FOUM Floor Carlisle, PA 17013 Telephone Number: 717,240,6200 IN TIlE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION . LAW ADAMS COUNTY NATIONAL BANK, Plaintiff, :~o. v. Action in Mortgagc Foreclosure NOAH E, SOWERS, DefendanL COMPLAINT AND NOW, this ;{/,i!. day of January, 1996, comes the Plaintiff, Adams County National Bank, by its attorneys, Bigham & Raffenspergcr, who brings this action in mortgagc foreclosure against Noah E, Sowers, Defcndant, whereof the following is a statemcnt: I. The Plaintiff is Adams County National Bank, Mortgagee, a national banking corporation organi7.cd and cxisting under the laws of Congress relating to national banks, with iL~ main office at 675 Old Harrisburg Road, Cumberland Township, Adams County, Gettysburg, Pennsylvania 17325. 2. The Defendant is Noah E, Sowers, an adult individual, who resides at 955 Baltimore Pike, Gardners, Pennsylvania 17324. 3. Defendant is not in the military or naval service of \hc Unitcd Slates or il~ allics within the provisions of the Soldiers' and Sailors' Civil Relief Act of thc Congrcss of 1940 and its amendments. 4. On Murch 17, 1995, thc Dcfcndunt cxecutcd und dclivered u mortgagc upon rcal cstate hereinafter describcd to Plaintiff n.~ Mortgagce, which mortgagc is recordcd in thc office of thc Recordcr of Deeds of Cumberland County, Pennsylvania, in Mortgagc Book 12511 at puge 673, a copy of said mortgagc bcing attached hcrcto and marked Exhibit A, 5. Suid mortgagc has not bccn assigncd. 6, Thc description of thc rcal cstatc is as dcscribed u.~ follows: ALL thut ccnuin lot of ground situalc in South Middlclon Township, Cumberland Counly, Pcnnsylvania, boundcd and dcscribcd as follows: BEGINNING at a slccl pin in Smith Road (T-53I) on thc dividing linc hClwccn LOl~ Nos, 14 and 15 on thc plan of IOl~ rccordcd in Cumbcrland County Plan Book 59, pagc 15; thcncc by said dividing Iinc, South 18 dcgrecs 06 minulcs 10 scconds East 291.67 fcctto a slccl pin; thcnce by land of Fred W, Sowcrs cl UX, Soulh 71 dcgrccs 53 minutcs 50 scconds Wcst 390,39 fcct 10 a proposcd stccl pin; thcncc continuing by samc, North 30 degrces 27 minutcs 45 seconds Wcst 590,60 fectto a stccl pin on thc dividing Iinc bClwccn Lot No, 9 of plan of lots recorded in Cumbcrland County Plan Book 53, pagc 116, and Lot No, 14 on Plan of Lol~ recordcd in Cumbcrland County Plan Book 59, pagc 15; thcncc by said dividing linc, Nonh 59 dcgrees 32 minutcs 15 seconds East 284,10 fcctto a stcel pin in Smith Road (T- 531); thcnce in Smith Roud (T-53 I ), Soulh 38 dcgrccs II minUlCS 55 seconds Easl 306,48 fcct to a stecl pin; thcncc in samc, South 58 dcgrccs 54 rninutcs 45 seconds East 76,94 fcct to a stccl pin; thcncc in samc, North 71 dcgrccs 53 minutes 50 seconds Eust1l3.70 fi:ctto a slccl pin, thc placc of BEGINNING. Bcing Lot No. 14 on thc abovc mcnti'oncd Plan of LOl~ rccordcd in Cumberland County Plan Book 59 at pagc 15. Thc abovc description was takcn from a subdivision plan prepared for Fred W. Sowcrs recordcd in the Officc of the Rccorder of Dccds of Cumberland County, Pcnnsylvania, in Plan Book 59 at pagc 15. IT BEING thc same lract of land which Fred W. Sowcrs and Dorothy M, Sowcrs, his wifc, by dccd datcd Fcbruary 9, 1990, and rccordcd in thc officc of thc Rccordcr of Dccds of Cumberland County, Pennsylvania, in Deed Book "R", Volumc 34 at pagc 207, gruntcd and convcycd unto Noah E, Sowcrs, thc Dcfendant hcrein, 7, Thc said mortgagc is in dcfault in lhat thc monthly paymcnl~ of principal and interc.~t amounting 10 $152,62 cach, which havc bccomc duc and payablc on August 17, 1995, " and on thc 17th day of cvcry month thcreafter havc not bccn madc, and by lhc tcrms of said d !I mortgage upon dcfault in such monthly paymcnl~ for a spacc of 5 days after any such paymcnt is duc, thc wholc of thc said mortgagc dcbt and intcrest shall, at thc option of thc Plaintiff, hccomc duc and payablc forthwilh, It Thc present owncr of thc rcal cSlatc is thc Dcfcndant hcrein, 2 >-. \.,. 9. Thc amount due the mortgagcc on thc mortgage is computed as follows: (a) Balance of principal (b) Late charges (d) Attorncy's commissions of 5% $8.449,34 15,00 R44,93 $9,309.27 TOTAL 10. III accordancc with provisions of Act 6 of 1974, Plaintiff hus scnt to Defendant Noticc of Intention to Foreclose prior to thc comrncnccmcnt of thc within proceedings, Copics of said Notices are anachcd hereto and markcd Exhibits B through 0, respectively. WHEREFORE, Plaintiff dcmands judgmcnt against thc Defcndant, Noah E, Sowers, in the sum of $9,309.27, plus any additionallatc chargcs and costs of suit, Respcctfully submittcd: " BIGHAM & RAFF~NS"RGER B}! ~~~nuL~/:tLL Edward G. Puhl, Esquire Anorncys for Plaintiff 16 Lincoln Squarc Gcttysburg, PA 17325 (717) 334-2159 Allorncy ID No, 55709 \' I: I' ii Ii ij ii ii !: " 1: !: Ii !; I' iI I Ii Ii \i J! I i I' 'I i\ Ii 1\ ii 'I I, 3 \' ... .. .- - . STATE OF PENNSYLVANIA, COUNTY OF ADAMS, John W, Krichtcn, being duly sworn according to law, does dcposc and say that hc is thc Scnior Vicc Presidcnt of Adams Counly National Bank and thatlhc facts set forth in thc foregoing complaint arc truc and correct to the best of his knowlcdgc, information and belief, Sworn 10 and subscribed before me this 23n1 day oUanulll}', 1996, V?a.lL~ "'- ~ h /It Nolary PubUc 'KID My commission expires: ~...:I,,':',;:,l Seal Lnurs M, 0Ir.e1, Notary Public n"nycbUlg 3010 ,;dams County t-41':o"'mi:;~,'''' ";.'1l1ues Feb. 4.1999 L il 'i Ii !I j, " I' i! ii !! Ii 'I il ii I! q I, Ii .1 4 I~ ~ , . -... ' -' . ..~ " WP \1 MORTG~~ .. . !tE.:C:OC~"O;E~ ~'F :;igs (;UM9ERLANil COUNTY - p.\ '.95 ~~R 13 "" ~ 13 THIS MORTGAGE madl: lhis between ::oo.h ::;. SOl/ora day of ..."U"ch . 1995 . 17th who reside at 41 Smith .w... J:\:'1."lcr:, ?\ 17324 . Mongagor. and ADAMS COUNTY NATIONAL BANK. with an office at Gl:uysburg. Pennsylvania. Mongagl:l:. WITNESSETH. the Mongagor ha.~ executl:d and deliwred to lhe Mortgagl:e a note on this datI: in lhe sum of $ 51. 1 ~7 . 20 (hl:rl:inafter refl:rred to as the Dl:bt) with interest thereon at thl: rate specifil:d therein and with the performancl: of all the lerms. cownants and conditions lherein conlained. all of which by this referencl: thereto are incorporated hl:rcin and madl: a pan hereof; and. as evidence of said indebtedness of Mongagor 10 Mongagee. and as sl:curity for payment of said note with interest and in consideration of Onl: Dollar ($1.00) paid by Mongagcl:. thl: Mortgagor does hereby grant. bargain. sell. rl:leasc. convey and confirm unlO Mongagec. ALL THAT REAL ESTATE with the improvl:ments locatl:d thl:reon situate in ~c.:tl' . < 1dlctcn . County of ';=berland ~uoroUJ.flt . . ~ dn P' Pennsylvania, identified as all t~1.at, tr".:l:t c: ~sltuatc at~' ~:-:t:.tn .;,c,.J '.zar ers, .:\ .;_ "'c.""",,-: ...{;.:., !t .~ ...,1..0-:/ ' 'o~ .1.... c~ "CI"" .... .n~ ~\,;O..... .._loI.. Uo ;. ..~... '...l ..~C ..~ .0. ...... and more particularly described in the deed(s) to the Mortgagor(s). recorded in the office of the Recorder of Dceds of said County in Jced Book K34 at page 207 (insert additional Deed or Record Book and page references. if applicable) . The descriptions contained in such deed(s) arc hy this reference thereto incorporated herein and made a pan hereof. TOGETHER with all buildings. improvements. rigbts of way. rights and privileges. hcreditaments and appunenancl:s. and the reversions. remainders. renL~. issues and profits thereof. MORTGAGOR COVENANTS AND AGREES THAT: 1. Mongagor will make all paymenL~ on thl: respective due dates thl:reof and perform all other obligations as required or providl:d hl:rein and in said note. 2. Mongagor will keep the buildings on said real estate insured against loss by fire or other casualty for thl: bl:nefit of Mongagl:l: in amounts satisfactory to Mongagel: with standard mortgagee clause; and Mongagor will pay all tUXI:S and assl:ssments levied or assessed against said real estate or any part thereof when lhey respectiwly bl:come due. and will deliver rl:CeipL~ therefor to the Mongagl:e lJpon request. Mongagor will pay all taxes and/or charges in lhe nature thereof. together with any intl:rl:st or pl:nalty thereon. which may be or become owing by the Mongagor to Pennsylvania or any other Slate. thl: fl:dl:ral government. or any political subdivision thl:reof. when thl:Y respectively bl:come dUI:. bJO~ 125b P.\GE 673 EXHIBIT A . , . J 3. If the Mongagor fails 10 mainlaln s~ch ihs'urancl: coverage or fails to pay any of the laxes and/or cbarges in the nature thl:rl:of or assessml:nts hl:reinbl:fore mentioned, then Mortgagee shall have the option of paying the same or any thereof. an'd upon any such payment by the Mongagl:e. the amount thereof shall automatically be added to and become a pan of thl: Debt and shall bear interest at the rale providl:d for in the said note from the time the samc is so added to the Debt. 4. If Mongagor fails to pay any installment required by said note whcn the same shall fall duc or fails to pay any taxes and/or chargcs in the naturc thcreof or asscssments on or before thc duc date thereof or fails to provide insurance coverage as providcd above. then and in any of said events. the Debt and all sums added thereto, together with interest to date at thc rate providcd for in said note and togcther also with 10% attorneys' commissions on said Debt and interest. shall becomc due and payable, at the option of the Mortgagee. and such remcdy or remedies as thc law may now or hcreaftcr provide may fonhwith bc invoked and prosccutcd by the Mongagcc against the Mongagor, including but not limited to. an action of mongage foreclosure. Mongagor hereby waives all errors in any proceedings, together with all stay of or exemption from exccution. or cxtcnsion of timc of paymcnt which may be given by any Act or Acts of Assembly now in foree, or which may be enacted hercafter, and together also with the right of appraisement, the right of inquisition and the right of appcal. PROVIDED ALWAYS. NEVERTHELESS, that if Mongagor shall pay unto the Mongagee thc Debt and the intcrest thereon as aforesaid, and shall in all respects comply with all of the covenants hereinbefore contained, then this Mongage shall become null and void to all intents and purposes. If less than two pcrsons shall sign this Mongage. all covenants, promises and agreements. which are drawn in the plural, shall be deemed to be in the singular. Funher. thc covenants, promises and agreemcnts contained in the within Mongagc shall bc legally binding upon and inure to the benefit of the rcspcctive panies hereto and thc personal representatives. successors. or assigns of the respective panies hereto. IN WITNESS WHEREOF. the Mongagors have hereunto subscribed their names and affixed their seals the day and ycar first above writtcn. Witness: I.' " /(. ~ t((;t' . / / " /"' ~ f.'/ /.r" // . I ,/~ .,;.-.~ '/'1 .:.. .:_-J..'I'<"'--"""".~.;~ ::cn..1.t ~. 3c~:o~s .., '-f ' ~ _./It.;.,_,1 (SEAL) (SEAL) (SEAL) (SEAL) - . .. .' , 1 " ~? , ... ~ I", toC( 1~58 i~tE 6i4 -,"" -... 1.. l I. COMMONWEALTH OF PENNSYLVANIA COUNTY OF ';c:~ccrl:.U'ld On this. the n nctar"r '.'ubUc ::O:lh :. Souors 17th day of :..X'ch . 19 95 ,beforc me. . the undersigned oflicer, personally appeared known to me (or satisfactorily proven) to be thc pcrson_ whose name_ :!.3 subscribed to the within instrument. and acknowledged that he executed the same for the purposes therein contained. IN WITNESS WHEREOF. I hereunto set my hand and official seal. My commission expires: NcT'1Il11 Suat J Laura E. Slam6r, Notaly Publ1C Ber.1'irEV11IU acre" Adams Count)' My CommiSfuon F.xptrGb ~ept. 2'. 1<j9EI Merrber. P....oI1SyMl.'lI8Assoc:iaLionClI'ia:lz'9S - ~'. I- . i-' 1(. ,. . .., ~~tary P;i~'- .. '..- I HEREBY CERTIFY that the precise residence address of the within named Mortgagee is: Cumbcrland Township. Adams County. Pcnnsylvania (P.O. Box 3129, Gell>.:sb~~, Pennsylvania 17325). ,tt/.l7:(/ l( l..,..'~'t;:../ Allorney for Mortgagee (RCVale411931 ().~ ..... i').:..8 ~tl ~Q~ ..OJ , - ,.., .' ,..t ...; '- -' ~ Ate NO 0 . -.. ~. ' NOiE NO <--...- JapJO~:lll . ~ c/ ~lep:lql 'a~!JJo pres :lV JO leas pue pueq hW J:lpun ua^!D 'iL ~ ailed' <1.C;:~ ljooij allelluow U! 'hluno::> PIes JO a~!JJo s.J;lpJO~all aql uI' GHiI 'O'V J'.xJo JO hep ~I slV uo ~:lpJO:lall Yb?""r-.q~ dO .uNIlOO V1NV ^ ',\,SNN3d dO H.L1V3h\NOWWO::> .II: C .: =:l " - ~ M = g c 0 ~~ Cl < ~ . :2 " , ~ E: t"l .,;, E ~ ~ ~ V) to; rJ .... c.:: g C II) 0 = .~ :E 8 l~ E 'II: 'II: S = ~ 'Cl < Z :. ~ . ~I' ..' '. . To: N"ah E. Sowe rs Dale: November 28. 1995 '955 Baltimore pike Rli: Mortgage Loan Nil. 8431566 Gardnt!u. PA 17 324 NOTICE OF INrEN/'ION TO FORECLOSE MORTGAGE The MORTGAGE held by Adams County National Bank (hereinafler we, us or ours) on your property localed al 41 Smith Road. Gardners. South Middtt!town Townshio. Cumberland Countv. PA . IS IN SERIOUS DEFAULT btcalUt you havt nOI madt Iht mOnThly paymtnTs 01 $ 1 52.62 lor Ihe mOnThs 01 AU2ust. Seott!mber. October and November 1995 . laIC charges or other charges have also accrued 10 Ihls date in the amount of $ 10.00 The totai amounl now required to cure this default, or In other words. get caughl up in your payments, as of the dale of this leller. is $ 52 3. 10 You may curt Ihls dtfaull wllhln THIRTY (JO) DA YS o/Iht dale ollhis Imtr. IIy paying In liS Ihe above an/mllll 01 $ 523. 10 . pllU any additional /nOnThly paymenTs and lalt charges which may loll due during Ihis ptriod. Such payment musI be made either by cash, cashier's check, certified check or money order, and made at any office of Adams Counl)' National Bank. If you do not cure the default within THIRTY (30) DAYS, wt inTend 10 txercist our righllo aCCtltralt Ihe mOr/gagt paymenTs. This means that whatever Is owing on the original amount borrowed will be considered due immediately and you may lose the chance to payoff Ihe original mortgage in monthly Inslallments. If full payment of the amount of default Is not made within THIRTY (30) DAYS, we also inTtnd 10 inslrucl our al/omeys 10 Slar/ a lawsuillo loree/ost your mar/gaged property. 1/ Iht mar/gage is lorte/ostd your mOr/gagtd property will be sold by Ihe Shtrilflo pay ollllle mOr/gagt debl. If we refer your case to our allomeys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable allomey's fees, actually incurred, up to $50.00. However, if legal proceedings are slarted against you, you will have to pay the reasonable allomey's fees even If they arc over $50.00. Any allomey's fees will be added 10 whalever you owe us, which may also include our rcasonable COSIS. II you curt Ihe delauil wilhin Ihe Ihirty day ptriod, you will nOI bt rtqllired 10 pay al/orney's Ius. We may also sue you personally for the unpaid principal balance and all olher sums due under the mortgage. If you have not cured the default within the thirty day period and foreclosure proceedings have begun. you slill hove Ihe righllo cure Ihe dt/aull and prtvtnT Ihe sale 01 any limt up 10 one hour be/ort Ihe Sherilf's loree/osllre sale. YOII may do so by paying Iht 10101 011I0111I1 01 ti,e IInpaid mOnThly paymenTs pllU any lalt or olher charges Ihen due, as well as Ihe reasonable aI/arney's Ites and COSTS conneCltd wilh Ihe lortelosure sale and ptrform any olhtr requiremenTS IIndtr Ihe mar/gage. It is estimated thatlhe ealliest date that such a Sherirrs sale could be held would be approxlmalely February 1996 . A nOlice of the date of the Sherifrs sate will be sent to you before the sale. Of course, the amount needed to core the default will increase the longer you walt. You may find out at any time exactly whalthe required payment will be by calling us at the following number: (7 17) 677-7 139 . This payment must be in cash, cashier's check, certified check or money Older and made payable to us al any office of Adams County NalionaI Bank. You should realize that a Sherlrrs sale will end your ownership of the mortgaged property and your right to remain In It. If you continue to live In the property afler the Sherlfrs sale, a lawsuit could be slarted to evict you. You have additional rights to help protect your inlelest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATIORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES TillS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. If you cure Ihe delault, Ihe mongagt will be rwored 10 Ihe same posilion as II no delalllt had occurrtd. However, you arc not enlilled to this right to cure your default more than th,ee times In any calendar year. *Copies also sent to mortgaged prt!mises at: 4 I Smith Road Gardnt!rs, PA 17324 ADAMS COUNTY NATIONAL BANK EXlllBIT B By: Susan M. Sellle Delinquent Loan and Foreclosure AdmlniSll3tor SIIf'h 1 FF' S "[TUHII EEGULi\ !.: CASE NO: 19?G"0~4SB P ~ONNONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND A[~AMS. COUNTY _NATIONAL BAN,,: VS. SOW.EB.? NOAH E _1'11CH_A.EL_J1...ABllit;K ________._._____.__._._n' St.<.>r 1 if or Peputy Sheriff of CUMBERLAND County, Pennsylvanla, whQ being d~ly DWorn according to law, says, the wlttll.n C,c,QJ:lE!,.1!IJfI_=-.J1-.R.B.I._LOgI;;_.________._____ was served upon SO_~_ERS NOAH E the defendant, at ..J_:':,'j?_L~_~ !IOUHS, on 1. h..:' __~!-.h. day of f.<?!,>-"'~i.lI_-.:L____...u_.._________._, 19':!f! at ._.955_!:\A.kJJ_MC~.F:_-EJKE:__._______.____________.________ Gf,RPrtt;.IJ'?J PA 17324 _______, '2U.tlJl.f.RLAN[' County, PpnnsylvnnHl, by handlnCl to tlQ.M.L.E... ..;;Q_!!:.f,RS _____._..._ n true and nttested copy of t_he COJ:lJ':.L_"_HiL...:....!:!I:~RT FORE together with NOTI~~_.._.___.__..__.____._.__. and i]t. theo 3Qme tIme d.irectlnq HIE :]t.t.:'n-t:.l0n tQ 'the ccntrynts thereof. Sheriff's Costs: Docketing SerVICt? - Affldilvlt Surchilrge 18.00 G. 15 . ('l~ :.00 So Dn?~_~t: _~ R: ,ho";i,, r:1 il"', - :~r----.----.--- S2;-:'T6.--ADAr.S. CO. 'i~ATJOfl".!' Pfd'L 02/()"'.'1':;'1" ~ '- hv _ . - - - .- ---~--rl-;::-t-l'll-~-i' +-s Sworn and :ilJb:3crihi:;:.'d t",~. bi:-frlI"';" m,' thi", ..J....e:,._ d..y ,,1 .J....~~.. "1--- 19 '11,. A.D. --.-q~.I'.~ .Qpii~'ttitfi.- . ._.m --- ~ .-...........: IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION. LAW ADAMS COUNTY NATIONAL BANK, Plaintiff. NO. 96-468 CIVIL TERM v. Al:tion in Morlgagc Forcclosurc NOAH E. SOWERS, DefcndanL PRAECIPE TO THE PROTHONOTARY: Plcasc mark thc abovc-captioncd proceedings discontinued. Dated: March 7, 1996 BIGHAM & RAFFENSPERGER BY:~ Edward G. Puhl, E.~quirc Attorney for Plaintiff 16 Lincoln Square Gcttysburg. PA 17325 (717) 334-2159 Attorncy ID No. 55709 I I I I I !I ~.. ~ ..) C':'l '.. i.'. I.!..:t. L.~ ~: :L:- ,- , .. -. ~ ".. (.,'.. ,:..j , ~'. l:,j,. , L> ':d ;u- .--:, '."