HomeMy WebLinkAbout96-00605
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IN THE COURT 01' COMMON PLEAS 01'
CUMBERLAND COUHTY, PENNSYLVAHIA
NO. q fJ, - tPC1j- (i ,-~<-cL .jt~'M^--
CIVIL ACTION - LAW
IN MORTGAGE FORECLOSURE
HARRIS SAVINGS BANK,
Plaintiff
DENNIS A. SBALOVER,
Defendant
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
CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PA 17013
(717) 240-E;200
HARRIS SAVIHOS BAlIK,
Plaintiff
IN THB COURT 01' COKKOH PLJIAS 01'
CUKBBRLAND COUHTY, PBIINSYLVAHIA
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CIVIL ACTION - LAW
IN MORTOAOB 1'0RJlCLOSURB
DBIINIS A. SJlALOVBR,
Defendant
COMPLAIHT
.-A
AHD NOW, this ~ day of tJ.:e"l<-<H7 ' 199.f, comes Harris
Savings Bank by and through its counsel, Richard C. Ruben, Esquire
and states the following in support of its Complaint:
1. The Plaintiff is Harris Savings Bank, formerly Harris savings
Association, a corporation organized and existing under the laws of
the Commonwealth of Pennsylvania and having its principal place of
business at Second and pine Streets, Harrisburg, Pennsylvania
17101.
2. The Defendant is Dennis A, Sealover, debtor, an adult
individual whose current address is 3937 Brookridge Drive,
Mechanicsburg, Pennsylvania 17055.
3. On November 5, 1990 Defendant entered into a mortgage loan, a
Prime Line Credit Agreement, indenture with Harris savings
Association now Harris Savings Bank, in the principal amount of
Thirty-Seven Thousand Dollars ($37,000.00). The terms of which
loan are more specifically evidenced and set forth in the Mortgage
dated November 5, 1990, and recorded November 8, 1990 in the
Cumberland County Recorder of Deeds Office in Mortgage Book 996,
Page 184, a copy of which is attached hereto and incorporated
herein by reference as Exhibit "A". Said mortgage contains and is
a lien upon the property situate 3937 Brookridge Drive, Cumberland
County, Mechanicsburg, Pennsylvania 17055.
4. A copy of the prime Line Credit Agreement, dated November 5,
1990, is attached hereto and incorporated herein as Exhibit "B" .
5. Plaintiff, in consideration of said Mortgage and the Prime
Line Credit Agreement, advanced to Dennis A Sealover Thirty-Seven
Thousand Dollars ($37,000.00).
6. The premises subject to said mortgage is more specifically set
forth in Exhibit "A".
7. Dennis A. Sealover is the sole owner of the said premises
securing said mortgage.
8. Said Mortgage has not been assigned in whole or in part by the
Plaintiff herein.
9. That said second Mortgage is in default because Defendant
herein is currently delinquent in the amount of $5,353.01 which
includes interest billings from September 15, 1994 through December
15, 1995 plus late charges of $239.51.
10. The Plaintiff has given to the Defendant written notice of
intention to foreclose on said Mortgages, dated December 30, 1994,
as required by law under Act 6 a copy of which is attached hereto
and incorporated herein as Exhibit "c".
11, The Plaintiff has given written notice of default, dated
December 30, 1994, as required by the Homeowner's Emergency
Assistance Act of 1983 a copy of which is attached hereto and
incorporated herein as Exhibit "D" and no request for assistance
was made.
12. That due to Defendant's default the entire principal amount of
Thirty-seven Thousand Dollars ($37,000.00) has become due and
payable, together with interest at the rate of 10.75% per annum,
reasonable legal fees for collection of said sum in accordance with
the terms of the mortgage less such sums as have been paid on
account of principal of the said Mortgage and costs.
13. That Plaintiff believes and therefore avers that reasonable
attorney's fees for collection of the debt are $2,100.00 and that
it will incur such amounts.
14. That Defendant is liable to the Plaintiff for interest at the
rate of 10.75% per annum, late charges, property taxes and expenses
as provided in the Mortgage documents that will accrue until
distribution by the Sheriff of Cumberland County, Pennsylvania, to
be computed at the time of judgment in these proceedings, in
addition to the current balance,
15. The plaintiff believes and avers that the Defendant is not a
member of the armed forces nor is he in the military service of the
United states of America.
16. That Defendant is liable to the Plaintiff for the following on
said mortgage:
a.
b,
c,
d.
Principal
Interest to Jan. 31, 1996
Late fees
Attorney's fees
$36,500.00
5,780.00
239.51
2.100.00
TOTAL AMOUNT DUE:
944.619.51
WHEREI'ORJI, plaintiff, Harris savings Bank demands Judgment in
its favor and against Defendant Dennis A. Sealover in the amount of
$44,619.51 plus interest at the rate of 10.75' from February 1,
1996 until paid, plus additional late charges and costs of
preserving the collateral and costs of suit.
Respectfully submitted,
:s~~ _
Richard C. Ruben, Esquire
Attorney for Harris savings Bank
100 Chestnut street, suite 307
Harrisburg, PA 17101
(717) 236-8015
I.D. #27767
Date:
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f;.7/9.6
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VBRu'rCATrON
Ronald Kishbaugh hereby states that he is authorized to
execute this document on behalf of the Plaintiff in this action and
that the statements of fact made in the foregoing Complaint are
true and correct to the best of his personal knowledge, information
and belief. The undersigned understands statements herein are made
subject to the penalties of 18 Pa. Cons. stat. 54904, relating to
unsworn falsification to authorities.
Date ~l>.",," ~l>,\9.qb
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MORTGAGE
(Advanco Monoy MortgaKO Socuring an Opon.End Lino of Crod,t)
THlsjA?RTGAGEismadothlS 5th dayo' Novcrnbcr .19~botwoon Dennis A. Sealover
3937 'Drookridqe Drive. ~hanicsburq, Pa 17055
01-
(wh.'I""oneor"moro porsons callod "Ownor") and THE HARRIS SAVINGS ASSOCIATION, 2nd end Pine Slreets, Herrllbu'l. Ponnlylvenle17101.
(eI/IId'lendor ). ,
WHEREAS. Dennls A. Sealover (whothor one or more persons callod "BorrowOr';!
""been granled a Priroo r ill~ C'rodit ~~t-- Accounl (callod Iho "Accounl") I.!Y. Londorwilh a Crodit Llmit.of $' 37,000.0 ,
.. evldoncod by an Accounl Agroement (called Iho "Agroomont") dalod Novcinber 5 , 19~: and
',' WHEREAS, Londor isobligaled under Iho lormsof Iho Agroomont to mako advancoslo Borrowor from lime tolime uplo tho amount ollho Crodil Limil: and
WHEREAS, Borrowor has agroed to ropay such obligalory advances and interesl thoroon in accordanco wilh Ihe lorms of Ihe Agroomenl:
NOW, THEREFORE,ln consideration 01 the above prom,ses and in ardor 10 socuro 10 Londortho repaymont of allamounls, wllh intorosllhoroon. advancod
to Borrower in accordance wilh Iho torms ollhe Agreemenl. Iho paymont of all sums, with inlorosl Ihoroon, advancod In ardor 10 proloct Iho securily of this
Mortgage, the performance of all covenants contained in the Agreement and this Mortgage, and all extensions, renewals. modifications and amendments of
Ihe Agroomont, Ownot docs hereby mortgago, grant and convoy 10 Londor all 01 tho following doscribod roal oslalo. togolher with all improvemonls now or
horoaftor oroclod, and alloasements, righls and appurtonancos Ihoroon. siluatod in Iho following (Cil;lTownship/BoroUgh) of (I) Hrnmden
(2) (3) , Commonwoalth 01 Ponnsylvania, known and designalod as
(I) 3937 Drookridqe Drive Mechanicsburq Cumberland
Streel Addross Municipalily Counly
(2)
Municipalily
Counly
Street Addross
(3)
Municipality
County
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Slrool Addross
Ponnsylvania, which were conveyed to Ownor by deods
(I) dated
June 6
85
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31
Pago
1012
Vol.
and duly rocordod ) No.
in tho Offico )
oflho Rocordor of ) No.
Ooods for said County )
(3) dated . 19 ) in Oood or Rocord Book ) No. Vol. Page
as the promisos are Ihotoin doscrlbed (tho "Promisos") and iflhis box is chockodXl'! as tho promisos, or any of Ihem are moro particularly doscribod in Exhibit
"A" which is aUached herolo and made part horeol.
Ownor and Lender covenanl and agroo as lollows:
1. THIS IS AN AOVANCE MONEY MORTGAGE-II is oxprossly undorslood and agrood thai Ihis Mortgago socuros, intor alia, cortain obligalory loans and
advances to be made from time to limo by Lender 10 Borrower pursuant to the Agreement. which fulure advances arc secured by this Mortgage as if made on
Ihe dato horoof.
2. Ownor and Borrowo,warrant and ropresonl to Londorthal Ownorowns and IS lawfully seizod of lhe oslato horobyconveyod and haslho right 10 mortgage,
granland convoy Iho p,oporty, and thallho Proporly is unoncumborod, oxcopt for oncumbrancos of rocord.
3. Borrowor shall promptly pay to Lendor interosl, principal and any other sums duo undor Iho Agroomonl, in accordanco wilh Iholorms of tho Agroomonl.
4. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other laking of the Property, or part
thereof or conve ance In lie~_~J~ondemnation, are hereby assigned and shall be oaidtD lendA,.....,~.tn..........I'I. f u --w- --'.....- - ..-..........
,19
(2) dalod
.19
Vol.
Pago
(2) d.'ed
, 19 ..J!L ) and duly recorded
) ,n the Olhee
, 19 _ ) 01 Ihe Recorder 01
) Oeeds for said Counly
(3) dated ' 19 _ ) on Oeed or Record Book ) No. - Vol. Page
as the premises .retherein described (tho "Premise5") and if thiS bOA is chlJckcdlCt a!J tho premises. or ,nyo' them are more particularly doscnl>cd in Ealubit
"A" which is aUached herelo and made part hereof.
Owner and lender covenant and agree as follows:
I. THIS IS AN AOVANCE MONEY MORTGAGE -It IS e'llIessly understand and agreed Ihal IhlS Morlgage secures, inter aha, certain obligalory loans and
advances to be made from tlmB to timo by lender to Oorrower pursuant tu the Acreement. which future advanccslro secured by this Mortgage as if made on
the dale hereol.
2. Owner and Borrower warrant and represent to Lender that Owner uwns and IS lawlully sClzcdof the cstate hcrcbyconveyud and has the right to mortgag~,
erant and convey the Property, and that the Property IS unencumbered, elcept for encumbrances of record,
3. Borrower shall promptly pay to lender interest. principal and any other sums due under the Agreement, in accordance wilh Ihe terms ollho Agreement
4. The proceedS of any award or claim for damage!., dlfecl or con!.cquenllal, In connection With any condemnation or olher taking of the Property, or part
thereof, or conveyance in lieu or condpmnalion, are hereby asslKned and !ohall be paid to lender, subject to the terms of any prior mortgage or !oecutlty
agreement. The proceeds of such award may, at lender's oplion. be used.lo pay Ihe outstanding amount under the Agreement secured by this Mortgage.
5. Except for any notice required under applicable law to be given in another manner, (a) any nollce loOwner provided for in Ihis Mortgage shall be given by
delivering it personally or by mailing such notice by certilied mail, addressed to Owner at the address of the Property or alsuch olher address as Owner may
designate by nolice to lender as provided herein; and (b) any notice to lender shall be given bycerlified maillo Lender's address stated herein or to such other
address as lender maydesignate by notice to Owner as prOVided heroin. If notice is given by certified mall, it shall be doemed to have been given on the date 01
mailing.
6. Owner will nolsell, give, transfer. or encumber the Properly or any righl in tho Property, in whole or in part, without lender's prior written permission.
7. Mortgagor shall be in default under Ihis Mortgage if Morlgagor breaks any promise or fails 10 perlorm any duties conlained In this Mortgage or In the
Agreement.
8. Upondelault, Mortgagee, after notice required by law or in Ihe Agreement, may take any action allowed by law or under Ihe lermsof the Agreement or this
Mortgage.
9. Any extension of lime for payment or reduction of theamount due under the ARreement which is granted by lender to Borrowershall not operate 10 release
in any manner any other Borrower or Owner under the terms of Ihe Agreemenl or this Mortgage. Any forebearance by Lender In exercising any rlaht or remedy
under this Mortgage or olherwise afforded by applicable law shall "01 be a waiver of or preclude the exercise of any such righl or remedy.
10. lender's rights and remedies under this Mortgage shall be cumulative and the exerciseol anyoneor morc of these rights shall not precludetheexerciseol
anv other tights or remedies speCifically granted in this Mortgage or permilted by 1.1W.
11. The covenants and agreemenls herein contained shall bind and Ihe righlshcrcunder shall inure to Ihe respeclive successors and assigns of the parties. If
more Ihan one Owner signs Ihis Mortgage, Iheir obligations shall be joint and several.
12. As additional security hereunder, Owner hereby assigns to lender the rontsof the Property, provided IhatOwnershall. prior to the declaraUon of an Event
01 Delault, have the righl to collect and retain such renls as they become due and payable.
13. the stale and local laws applicable tothis Mortgage shall bethe laws of the jurisdiclion in which the Property is located. Tho foregrnng sentence shall not
limit the itPplicabilltv 01 lederallaw 10 Ihls Mortt;age.ln Ihe event Ihal illlY provision or clauseo' Ihls Morlgageor the Agreement conllicts with applicable law.
such conlllct shall not aUectather provisions of this MorlRane Uf Ihe Agreement which can be given cUcci without thoconlllctlngprovlsion, and totllisend Ihe
prOVISions 01 this Mortgage and Ihe Agreemenl arc declared to be severable.
14. Owner agrees that anyinteresl payable after a judgment is ente,ed, oronnddition.,l surnsadvanced. shall boallhe SlIme raleas is stated in theAgrecmenl.
PROVIDED. nevertheless, that should lender's obligations to make advo1ncesto Borrower pursuanl to Ihe terms 01 Iho Agreement be lerminoted, and provided
furthermore, Ihal should Borrower pay ,n lull all sums secured by Ihis MortRage,lhen, upon wrillen demand of Owner, Lender shall, w,lhin 10 days, e,lher
sallsfy this Mortgage or record or deliver a written release of this MortgaRe to Owner.
IN WITNESS WHEREOF, each Owner has hereunto set hand and seal the day and year hrst above Willie/)
WITNESS: ,.: ~ ~
cJ! 17 ~ Owner '
June 6
No. -L Vol.
31
Pase
1012
(3)
Street Address
Pennsylval1la, which wero conveyed 10 Owner bV deed!>>
MUl1lclpalily
Counly
(l) daled
No.
Vol.
Pase
(SEAL)
(SEAL)
Owner
bOOK fJ!Jfj ",\CE 18
EXHIBIT
BANCOHSUIoIER FORMPAS1OB.23 (12189) CLD.124 12/89
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NOTICE, '\-
This is an Advance Money Mortglge Securing In Open,End Line of Credit upon which Borrower may oblain loans Irom lime to time, ev.,
bllance is paid in lull, Any request by Borrower. or by anyone on Borrower's behall,lhat IheAccount be terminated prior to ils maturity date,
writing and SIgned by all Borrowers,
"},;':'., ' REQUEST FORuNNOriJ~Eo~~~~~~~M'~~~REC~OSUR~", .:,. '.., i:,..lI:\
Owner and lender requeSlIHe holder of any mortglge or other encumbrlnce on Ihe P1'operty 10 notify Lender, allhe address s~t lorth below, alan)
sale or loreclosure action Ihal pertains 10 the Property or lender'slnlerest the/ein. '
I hereby certify Ihal theprecise address of Ihelender (Mortgagee) is: 2nd and Plno Slrllt., """.bUlI, Ponn.ylvanial7101. ...
O#tn beh.1I oll.nd.~./.? ,: . " H.',',' '; ~ '.,
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By: _ Tille:' . --,--
COM TH OF P~ . SYLVANIA:
55 NOTARIAL SFAL
COUNTY OF \')".. c;> \.... L.":'" CHARLOTTE K. nSA"'E: lIolary Public
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5 ," /I b qo /7 y Commission Exp!!u. Juno 20,1994
Onthis,lhe -. dayof /\.nVD-M. IU' ,19_.beloreme,~
the undersigned officer, personally appeared l).tl"\^,~~ 1. ~A t.."... 't kncMn to' me (or ~lisfactorily proven)
10 be Ihe person(s) whoso name(s) y..... subscribed as Owner 10 the'withln inslrumenl, and acknowledged
Ihal ~ k .~ , execuled the samolor the purposes herein contained and desired ilto be recorded as such.
IN WITNESS WHEREOF, I have hereunto set my hand and olliclalseal, My Commission Expiros:
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o( Rid9f)JCI~d OtJII1.:~~rrt .:anti bcookrid'Jc trivc au ,.lore ful1:1 itr,p~.1~tJ on
tile 11er~:..::~:. ~~'~t!on~d PIa.. oC LotBI thCflC~ ~long the cau~...~ lin~
of Droo..~ ltit;Qo llf iv.... .IIOdUIJrCQ ill d UUCllll!tllit.erJy (Jirection vIi 01 curve
to the rI'lllL ila"\n~ a r'hHuu tor J75.u re"t. an arc distance oC 1:)1),110
leet to a .r'''!'lt, I:henc!! COlltinuill'! '11011'1 IJrookri<i<je Ilri.'~!' ii
ue9rees oS ~inute~ UIl b"~un~u Labt a riiscdnce of ~O,G4 fC!~t to 4
point, th~!l':" :i,Jlll'h 72 riegrIJes IS lllinutl!u Uu vecondu East al,.r.;; tho
line of ~djGl~er b~t~eun lots 141 and 140 on said Plan a tilstdncd nf
ISJ,24 ("lit t(\ 4 flointl thence ~;outlo u< '''''.Ir""s 41 ",Inutes OU ""c",,oIu
Last a disL~nce pI .9I,~b lw~t to a point on tho northern lIne of
Ridgelan~ UoulevAtd; thence ~lon9 the northern line ot hidicl~no
Boulevard G~u\.r. U'/ uegrp.,!s l~ intnutp.u liU seconoti ./est Q cJiGtdlt~.~ Df
IbJ,4J fO"t to 4 point. tlod place of IlL(;IN.,ll.C.
BEINC LOt No, 141 on the Fin~l ~ubciivi~ion Plan no, 11 of "in~~l.~d
4S recor.':1rl In tl:" OffIce of tile R',ccrdet oC lIeeuti c.C Cun,l1"rldna
County, l'>:nnE;;-lV"'lill, in Plan ~'>ol: 41. Pay" 124
OIIDER ^"t' SUil,T!:I:T, r/l;VER'l'IH:LES:;. to restrictions,
c4~emuntG ~f ~=ic~ l~cord pertaining t~ nata ~rewiscs.
cond 1 t 1 U'U. a'ld
Being the 5111T1f! pt:'P!I1il;,,:: IIhich Ridgellmd ^Rsodates a Pennsylvani:: F:;!:tner.l'hip
composed t;~, .....""... :': ;;':':"rJon Jr, Kenneth G Sgrignoli, John ^ Plc::io: .....1 ~I::lc.o
^ssociatr,,., ::1 ::.c"::"y,l.",nIi3 [llll:lner/lhip composed of Ollvid L Netzlo:l ~ll'f: 1'.lrella
C Netzler by ti...;.. d~c:l dated June b I 1985 llnd rec01:ded in the RecoJ::.i". ,jf :leeds
Office in IlI:J f:-;r r:~I:!'''r!qt~d County in Deed Book I 31 Page 1012 Gr.m,;~:,.ri ami
Conveyed U:l~O i"'"I';;,:" 3 :il!1l1over singlefllan
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bOOK 93E PAGE 18G
..' l'r..hi"I'/nln~Ut!ICI"un.- '..Ch"" "flhir. Mnr1r.ill"'''' '"'' .........-; . .
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,HARRIS SAVINGS ASSOCIATION OF PENNSYLVANI~
Prime Line of Credit
fEDERAL TRUTH,IN,LENDING DISCLOSURE STATEMENT - PART ONE
.
18-06-005450 November 5, 1990
Accounl Number ._,___.__.________'_ _- ___ Dale
THIS DISCLOSURE STATEMENT IS GIVIN TO Tltr BORIlOWER Wllfl, ANO IS PART ONE OF, THE ACCOUNT AGREEMENT. THE ACCOUNT AGREEMENT, THIS
DISCLOSUIlE STAIEMENI AND lIiE DISCLOSlJll[ SI^T[M[NT ON TItE Il[VERSE SIDE SHOULD BE REAO AS ONE DOCUMENT.
TERM OF TilE ACCOUNT, OUIUIR III1,nfd" rha"',llulluwl'r r.au nllla", ,111',111"" 01
cred,t The Draw rllase Will end oullle I"sl d"y nl Ih,' Il,limg Cvd\! whICh occu"
VI'IF years Irom Ihe dale 01 the Agleement IlIe Ora,. Phase w,lI end w,lhoul
any lequiremenl olnollcelo Dorrowel. Tile Dlaw Pllase may cud carher Ihan Ihal
dale in accordance w,lh Ihe "Terminlhon" seclion ollllls Ag:eemeut. The p.lymenl
olall amounts due on Ihe Accounl will bo due 15 dlYs Irollllllo lasl day 01 Ihe Draw
rhase.
FINANCE CHARGE, AI all limes IhallhisAgleemonl IS on ollecl, rncludlllK auy pe/lod
after lerminallon in which Ihero lemlrns In oulslandlllg balance on Ihe Accounl,
Ihe Finance Charge on Ihis Accounl wlil be calculaled as ollhe lasl day rn Ihe B,llIng
Cycle, in Ihe lollowing way.
WHEN FINANCE CHARGE BEGINS. Tile Finlnce Charge ou each loan or ad,ance on
Ihe Accounl will begin 10 Icc/ue Irom Ihe day Ihe loau or ad,ance IS posled 10 Ihe
Acceunt The finance Chlrgo conllnues unhllhe oulslandrnK plincipal balance IS
paid in lull. There 's no I,me dUling which ,red,1 os e.lended w,'lIoul Ihe Dorrower
incurrrng a Finlnce Chlrge,
PERIODIC RATE AND ANNUAL PERCENTAGE RAIE. Ihe finance Charge w,lI be
com puled al asllrlUlg Periodic Rile 01 ,0328767 , %
per dlY which corresponds 10 a slarllOg ANNUAL PERCENTAGE RATE
of 12,00 %peryear.lheralelSsubjecllochange
as desc/lbed in Ihe "Vllilble Rile" 5Ocl,on below.
METHOD OF CALCULATING 8ALANCE ON WHICH FINANCE CHARGE IS COMPUTED.
Lender w,lI compute Ihe finlnce Chlrge using Ihe "aclual daily balance" on Ihe
Accounl. To gel Ihe Iclull dlily blllnce,lhe Lender lakeslhe beKinning balance on
Ihe Accounl elch dlY 01 Ihe D,lllng cycle, Idds Iny new loans or olher charges
posled 10 the Accounl thll dlY; Ihen Iho Lender sublracls any paymenls or credils
posled 10 Ihe Accounllhll dlY Ind, "Ippllclble, any unpaid finance Charges,
unplid rnsuranco prell1lums, unpl,d 1110 charges and unpaid annual lees. The
resull,s Ihe ""lUll dlily blllnco" lor thll diY,
METHOD DE COMPUTING fiNANCE CHARGE, Lender will compule Ihe finance
Chargo lor Ihe OIlhng Cycle by mulliplying Ihe aclull dlily balance lor each day in
Ihe Dllhng Cycle by Ihe Ol,ly Peliodic Rile. Ihe F,nance Charge lor lhe Billing Cycle
's Ihe sum ollhe fmlnco Chlrges lor elch days rn Ihe Drlhng Cycle,
VARIABLE RAIE, Ihe Annual Percenllge Ralo al any lime will be delermined by
adding Ihe "marg,n," which will nol chlnge during Ihe lerm ollhe Accounl, to Ihe
"rnde." value, wh,ch will change Irom hOle 10 hOle,
Ihe Annual relcenlage RaiD does nol rnclude cosls olher Ihan rnlerest The Annual
Percenlage Rale can change on the lusl day of each OIlhng Cycle ("Rale Change
Dale''!.
The mlrgrn lor lho Accounl is 2 percenlage poinls.
The rnde. is Ihe h'ghesl Prome Rale pubhshed in The Wall Slreel JoulOal and rn
elleclls ollhe 161h dlY 01 each monlh prior 10 Ihe Rale Change Dale,
The ANNUAL PERCENTAGE RATE w.1I never e.ceed 14,50 %du/lnglhe lermof
Ihe Account.
Any chauge mlhe Annual Percenlage Rale will be apphcable 10 Ihe lhen oulslanding
balance on Ihe Accounl and 10 Iny subsequenl loans or e.lensions 01 credit, unlil
Ihe Annual Percenllge Rile chlnges aga'n.
Any oncrelle rn Ihe AnnUli Percenllge Rale may resull in a correspondingrncrease
rn Ihe Mrn,mum Monlhly Plyment
ADVANCES OF CREDIT, Dorrower may oblain loans on Ihe Accounl during Ihe Draw
rhase. Lender 'grees 10 make loans on Ihe Account so long as Ihe oulslanding
balance does nol e.ceed Ihe Aulhorized Cred,'lim,1 shown on Ihe iranI side ollhe
P/lme Lrne 01 Cred,l Agreement. Each Dorrower agrees Ihal anyone or more
Ilnrrowers may oblamleans on 11m Accounl w,lhoul Ihe consenl or s'gnalure 01 any
olhel Borrowel,lor any purpose. All loans eblllned by any Borrower, and all olher
charces 10 IlIe Accounl as 10 which any Uorrower agrees, shall be proper charges 10
Ihe Account.
Borrower may obllln loans on Ihe Accounl in Ihe lollowing ways:
SPECIAL CHECKS. Borrower may oblain loans by writing one of Ihe Prime line of
Credit checks, a supply of which will be pro,ided by Ihe Lender lor Ihal purpose.
The minimum advance is $100.00.
ORDER OF WITHDRAWAl. Borrower may oblain loans on Ihe Accounl by using Ihe
Order of Wilhdrawal. OrdeB 01 Wllhdrawal are available Irom Lender as needed.
Borrower agrees nollo requesl a loan or oblain an advance on Ihe Account for an
amounl less lhan $100,00.
FEES AND CHARGES,
CLOSING COSTS. In order 10 open and mainlain Ihe Aceounl, Dorrower musl pay
ceria in lees and charges. The following lees must be plid to olhers:
Amount Finlnced
Description AmDllnt P,ld in Cuh
Properly Re~
A IIiul
Olher Cosh
TiUe Euminltion
Tille InsurJne!
Service ree
Nolll Fe.
Recordin F.e 12,00
Altorne 's ree
Credit R. orl
Other liens
LATE CHARGE. Berrower agrees 10 pay a lale charge 01 the grealer 01 5% of Ihe
paymenlamounl or S10.00, il any paymenl is not made on ils due dale shown on Ihe
monlhly slalemenl. No lale charge will be due" Ihe reason Ihe paymenl is lale 's a
conlinuing dehnQuency on a prior paymenl or because, after delault, Ihe enllle
oulslanding balance became due.
PAYMENTS, During Ihe period in which Ihe Berrower may oblain advances of
credll,lhe Borrower promises 10 pay a Mmimum Monlhly Paymenl which Will be all
rnleresl due each monlh, plus all inlerest accrued, oplional group Cred,l life
Insurance, " elecled, and olher unpaid charges. In no e,ent w,lIlh~ Minimum
Monlhly Paymenl due e'er be crealer Ihan Ihe enlire balance on Ihe Accounl.
APPlICAlION OF PAYMENTS, Paymenls made on Ihe Accounl will be apphed rn Ihe
101l0w,nK Older: pasl due paymenls,lale charges, Finance Charges, opllonal Credll'
life Insurance, ,f elecled, and Ihen 10 Ihe prinCipal balance,
SECURI1Y INTEREST, Borrower is givrng Ihe Lender a securily rnleresl in real eslate
and meney Dr plOperly on depos,l w,lh Ihe Lender losecure Ihis Account. Collaleral
secullng olher obhgahons 10 Ihe Lender may also secure Ih,s Accounl.
TAX OEDUClIBILI1Y, Borrower should consull a lax adv,sor regardrng Ihe
deduchb,hly 01 rnleresl and charges lor Ihe Accounl,
PROPERTY INSURANCE, Properly Insurance is required on Ihe Morlgaged
Properly. Derrower Dr Owner may obllln Properly Insurance from anyone Borrower
chooses, who 's acceplable 10 Ihe Lender.
CREDIT INSURANCE IS NOT REQUIRED, CredllL"e Insurance 's nol reQulled looblalll credll, and Will nol be pro,"led unless Borrower(sl signs below and aglees 10 pay Ihe
.dd,lional cost(sl. The maximum Credllli'e Insurance aVlllable 's S50,OOO.00. Insurer: SECURITY OF AMERICA LIFE INSURANCE CO" R.ading, PA,
Dv s'KRlng, Dorrower reQuesls Single Cred,l [,fe Insurance, wh,ch cosls By s,gning, Borrowers reQuesl Jornl Cled,l Lile Insurance, wh'ch cosls
-...144 per monlh per SI,OOO.OO of Ihe aclual dilly balance. -1_--llL:t_ per monlh per SI,OOO.OO of Ihe aclual daily balance.
S'gnllure 01 Borrower 10 be insured:: .
Age
. .
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S'gnalures of Borrowers 10 be insured' :.:,;,., ,Ages. ;''',
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMAlION WHICH IS PART TWO OF THIS DISCLOSURE."
80 OWER ANO/OR OWNER ACKNOWLEDGES IlECEIPT OF A COMPLETELY F1LLED,IN COPY OF THIS DISCLOSURE.
8orrower
Owner
OA,.CONliuMrRrORMPAS71(c) 6tlV891CtD 146 11I8lJ
EXHIBIT
I jj
8orrower
Owner
'.-1
-1989 QANCONSUMER SERVICE. INC.
Oal. t-!Ovanber 5, 19~0 Accounl No. 18-06-005450 Aulhonied Credillimil $ 37,000,00
A SIPARAIE DISCLOSURE STATEMENT, PART ONE ANO PART TWO, liAS BEEN GIVEN TO BORROWER WITH AND IS PART OF THIS AGREEMENT. lHE DISCLOSURE
SIAIIMINT, PARI ONE AND PARI TWO, AND THIS AGREIMINI SllOUlD BE READ TOGETHER AS ONE ODCUMINT.
As L"eel In Ih,s Agr,emenl, the follOWing detimlions apply: "BOllower" means each person signing thIS Agreemenl as a DOllower, indiVidually, and, if more Ihan one
Berrewer Signs, all Borrowers, collectively.
HARRIS SAVINGS ASSOCIATION OF PENNSYLVANIA
"lender" means 2nd and Pine Slreels, Harrisburg, PA 17105 ,and
any person or instilulion 10 whom Ihe lender assign~ lis inleresl In Ihis Agreement.
"Morlgaged Property" means Ihe realeslale localed al ..-:l!ULBroakJ:idgCLDciltC~utg, p". 17055
upon which Ihe Owners have given Ihe lender a Morlgage 10 secure paymenl and performance of BOllower's obllgalions under IhlS Agreement.
"Owner" means each person Signing the Morlgage upon Ihe Morlgaged Properly, individually, and, If more lhan one Owner signs, all Owners, collectively, One or more
Owners may also be BOllowers.
"Accounl" means Ihe revolving loan Accounl which is Ihe sublect ollhis Agreement.
"Aulhorized Credillimit" means the total dollar amount 01 credll avarlable 10 BOllower on the Accounl, and is ,Ialed above.
"T"minalion" ollhe Account mean, thai BOllower Will no longer be permiUed 10 obtain loans or advances 01 credit on the Account. Terminalion alfecl,lhe Accounl
permanently,
"Billing Cycle" means Ihe inlerval belween Ihe dales each month when Ihe monlhly billing slalemenl is prepared.
GENERAL DESCRIPTION OF THE ACCOUNT, This Account is a revolving loan (hI BOllower w,lI nol sell, give or Iransler ownership ollhe Morlgaged Properly or
accounl, secured by a Morlgage on the Morlgaged Properly. During Ihe Dlaw Phase, any righl Ihereln, or per mil such sale, or transler, in whole or in pari, wllhoul
BOllower may obtain loans on the Accounl in Ihe ways described in Ihe "Advances lender's pnor wnllen consent.
01 Credit" section, up 10 Ihe Authorized Credit limit. loan~ will be added 10 the (I) BOllower will nol commll Iraud or make any misrepresenlalions in conneclion
balance ~n Ihe Account to be repard by monlhly payments. .As Ihe principal on Ihe wilh Ihe Accounl, any personal fmancial ,Ialemenls, applaisals, or olher
Accounl IS repard dunng Ihe Dlaw Phase, the credll wdl agam be made avarlable to inlormalion provided 10 lender during Ihe lerm 01 Ihe Account.
BOllower, up to Ihe Aulhorued Credit limit. Any balance remammg on Accounlal
Ihe end of Ihe Dlaw Phose will be repaid wilhin 15 days 01 Ihe end 01 the Dlaw FEES AND CHARGES,
Phase. No furlher loans will be made alter Ihe end of Ihe Draw Phase. The Dlaw CLOSING COSTS: In order 10 open and mainlain Ihe Account, DOllower musl pay
Phose Will begm alter lender nolilies BOllower that Ihe credil has been approved cerlain lees and charges which ale ilemized in Ihe Disclosure Slatemenl.Parl One.
and Ihe Borrower', and, If appticable, Owner', righllo cancellhe Agreemenl has ADVANCES OF CREDIT, Each BOllower agrees Ihat any oneor more BOllowers may
elpned. . .. oblain loanson the Accounl wilhoul lheconsenl or ~gnalureof any olher BOllower,
Inleresl Will be charged on Ihe oulslandmg pnnc'pal balance al a rate Ihal may lor any purpose. All loans oblained by any BOllower, and all olher charges 10 Ihe
change Irom lime 10 lime. The melhod 01 calculallng Ihe mleresl is deswbed in Ihe Accounlas 10 which any DOllower agrees, shall be proper charge, 10 Ihe Account.
DISclosure Slalemenl.Part One, .' ...
BORROWER'S PROMISE B . I I . I d.l d Borrower may oblam loans on Ihe Accounl m Ihe ways descnbed m Ihe DISclosure
. ollower promISes 0 repay any el enSlon' 0 cre , an Slalemenl,Parl One
pre per charge, 10 Ihe Accounl, wilh Inleresl calculaled in accordar,ce wilh Ihis .
Agreement. Each Inonlh during Ihe Dlaw Phase, so long as any amonnt due on Ihe lender is nol responsible if, lor any reason, an yonD lails or re'uses to honor the
Accounl remains unpard, BOllower will pay each monlh al leasl Ihe minimum SpeCial Checks, or ,I any olher dev,ce lender prOVides 10 BOllower 10 oblam loans
pay men I due on or before 100 due dale, DOllower promises 10 pay, al Ihe end 01 Ihe on Ihe Accounl or II any aulomaled leller machine (,I apphcable) lails 10 opelale or
Dlaw Phase, all amounls owed on Ihe Accounl, includmc principal, unpaid inleresl, operates .mproperly al Ihe hme DOllower aUempls 10 oblam a loan. Any clarm Ihal
and elher proper charges 10 Ihe Accounl in one paymenllo be madewilhin 15 days BOllower has agarnst a lhird po1lly musl be resolved directly wilh Ihal parly.
0' Ihe lasl day 01 Ihe Dlaw Phase, BOllowel will pay all olhcr lees, cosls and charges PREPAYMENT, BOil ower may prepay Ihe oulslandmg balance on Ihe Accounl in
rrllnin'd by Uns Agrcemenl. including, II lender f,les ,uil or lakes olher legalacl,on whole or m parI, wllhoul penally. '
10 celler.llhe amounl due on Ihe Accounl or 10 prolecl any Collalelal securmg Ihe ..
Accounl. all cosls inculled and a reasonable atlorney's lees. BOllower promises 10 Apaymenl on Ihe Accounl many Bllhng Cycle of an amounl grealer Ihan Ihe
repay upon demand any ellen,ion 01 credll on the Accounl 10 Ihe ellenl Ihalthe mmlmum monlhly paymenl due, bulless Ihan the enhre outstandmg balance, Will
oulslanding prlnc'pal balance on Ihe account elceeds Ihe aulhorized credillimll; be conSidered a parhal prepayment.
paymenl under IhlS senlence will be due.in addil.ion 10 Ihe mimmum payment due A parlial prepaymenl w~1 be applied 10 reduce Ihe oulslandlng balance on Ihe
on Ihe Acconnt. If Ihe lender lemperanly ~rohlblls furl her ellenSlons 0' crerhl, Accennl, bnl Will nol poslpone Ihe minimum monlhly paymenl due Ihe lellowing
Berrower promISes to conl,nue 10 make Ihe nnmmum paymenlsdue on Ihe Accollnl, monlh and will nol change Ihe way il is compuled.
~:;~~::~ ~~~~~~;:ri:~~ry prohibilion. lENDER'S OBLIGATION TO EXTEND CREDIT, lender agrees to:
(al Borrower will use Ihe Morlgaged Properly only for personal, lamily and (I) dUllng Ihe Draw Phase, ellend credil on IheAccouolin response to any preper
household purposes as Borrower's principal dwelling. reQuesllor credit made by Borrower; and
(h) Borrower will make all payments on Ihe Accounl when due, and will make Ihe (21 aller Ihe Draw Phase, and belore Ihe linal pay men I is due, ellend credit on Ihe
paymenls althe place and m the manner sel forlh on Ihe Mlmg slalemenls. Accounl in response 10 any proper request for credit made by Borrower il the
(cl Borrower WIll payor cause 10 be paid alllaxes and assossmenls (mcluding proper reQuesl was initialed and daled during the Draw Phase,
condominium or ,imllar assessmenls, il applicable) which may oblain priorily A reQuesllor credll shall nol be considered a proper request if:
over Ihe Morlgage, wben and as Ihey become due. . .
(d) Borrower will cause Ihe improvemenlselisling on Ihe Morlgaged Properly 10 be (1) " weuld cause Iheoul~andmgbalance on Ihe Account 10 elceed the Aulholl/ed
msured againslloss by 'ne and olher hazards and casuallies, w,lh an insurance Credit l.mll; or
company acceplable to lender. All policies shall be in a form acceplable 10 (2) it isreceived by Ihe lender, inilialed or dated duringa lime when IheAccounlis
lender and shall name lender a "Ioss,payee" or "addllionalloss,payee," as lerminaled in accordance wilb the "Terminalion" ,eclion of this Agreemenl. or
appropllale, and provide Ihallender be given nolloss Ihan 10 days wrillen ... . .. .. '
nolree prior 10 cancellalion or reducllOn 01 coverage, (3) IllS received by Ihe lender, 'nlllaled or daled durmg a lime when lurlher
. . . . ellenSlons of cred,l are prohlblled under Ihe "Prohlblllon of Addlllonal
(el Borrower Will payor perform all obligallons under any morlgage or secullly ElIensions 01 Credil" seclon 01 Ihe Disclosure Slalemenl. Pari Two; or
agreement on Ihe Morlgaged Property wh,ch has pllollly over Ihe Morlgage
secunng Ih,s Account. (4) il is nol made in accordance wllh Ihe "Advances 01 Credll" ,eclion 01 IhlS
(II Borrower will keep, or cause 10 be kepl,lhe Morlgaged Properly in good order Agreement.
and repair, shall nol permil wasle or delerioralion ef Ihe Morlgaged Properly In Ihe evenl 01 BOllower'sdealh or legal incapacily, a reQuesl for credit by Borrower
and shall nol use or allow Ihe Morlgaged Preperly 10 be used for any illegal will be a proper JOQuesl illOO loan is made and posled 10 Borrower's Accounl belore
pUlpose. 111110 Morlgaged Properly is a condomiOlum or pari 01 a planned UOlI lender recClves wrillen nolice 01 Ihe dealh or incapac,ly.
developmenl. BOil ower shall comply, or causeit 10 be compiled, wllh all by,laws, OTHER PROPER CHARGES TO THE ACCOUNT, lender may, allls oplion, ..lend
.egulallons or reslllclions 01 record. cred,' on Ihe Accounl In response 10 any olher reQuesl lor cred,l made by Berrower
(R) 1I0llower Will perm,', or cause 10 be pcrm,lled, mspeclions olll.e Morlgagelf al any lime. Such e,lens'ons 01 credil shall also be considered proper charges 10 Ihe
Property by J~cnls 01 Lender. upon rc,l~onablc notice. Ar.counl.
THE ADDITIONAL TERMS ON THE REVERSE SIDE ARE PART OF THIS AGREEMENT,
ACKNOWLEDGEMENT OF RECEIPT, Each person signing IhlS Agreemenl acknowledges rece'pl ola compleled copy 01 IhlS Agreement.
Borrower', Name and Address Dennis A, Sealover, 3937 Drookridge Drive, Mechanicsburg, Pa 17055
INTENT TO BE LEGALLY eo 0, Each Dorrower signing Ihis Agreemenl in lend, 10 he legally bound by ,Is lerms, includrng Ihe lerms slaled in the Di,closure Slalement.
lender pprovln Ihe eel and eslabhshing Ihe Account, has eVidenced lis mlenl 10 be legally bonnd by lI.e terms ollhis Agreement.
Borrower Borrower
Each Owner Signing Ihis Agreemenl who is nol a Borrower, and dees nol have Ihe IIghllooblain loans on the Account, is agreeing only 10 be legally bound by Ihe lerms 01 Ihe
Agrcemenl and Ihe DISclosure Slalement relallng 10 Ihe MOllgagc and 10 thc Morlgaged Propclly; Ihe Owner's lrablhly is limited 10 Ihe Owner's mtcrcst m the Mortgaged
Properly.
~.._.
<.:. . . "'er
~\:..'.> . ~ON'ilJM[ArORM PAS1(){c) 2 CLD 123 nUll?)
'I.. .
Owner
NOTICE: SEE OTHER SIDE FOR IMPORTANT INFORMA110N,
. 1989 UANCONSUMER S[RVICE,INC
lDHARRIS'"
I".j) SAVINGS BANK
SI'I'unl! illld Pilll' Sln'l'ls
I'.ll, n", 1711
1/,,,, i,IIl"~, I'"""'ylv,,,",, 1711I5,1'/11
71712:lfi"Il~1I
,
December 30, 1994
COVER LETIER FOI~ NOTICE OF INTENTION TO FORECLOSE MORTGAGE
Dennis A. Seal over
3937 Brookridge Drive
Mechanicsburg, PA 17055
Dear Mortgagor:
Enclosed herewith is the Notice of Inlent of Foreclosure as required by Act 6. You ha~ t
previously received a Notice under Act 91 of 1983 which set out certain rights and remedie::
available to you as a mortgagor in defaull.
The enclosed Act 6 Notice of Intention to Foreclose gives you notice of certain addilion:L
remedies which are independent of any remedies and rights you have under Act 91. The tota:
of your rights includes both your rights.
Very truly yours,
Howard Stein
Collection Counselor
HS/sje
Enclosure:
EXHIBIT
I ~
N~~~~~~'
Amount Billed
$286.75
$282,75
$312.00
Month Billed
October 15, 1994
November 15, 1994
December 15, 1994
SI'llIIlll .111111'11I1' Slll'f'l~
1'.0. II", )'lIl
1I;IIIishllr~. 11"IIlI:-,~'I\',IlIl;1 1'/IWi.17ll
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J)cccmhcr 30, 1994
NOTICE or INTENTION TO FOIWCLOSE MOI(TGAGE
i
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Dennis A, Sealover
3937 Brookridge Drivc
Mechaniesburg, PA 17055
Dear Mortgagor:
The MORTGAGE held by the Harris Savings Bank (hereafter we, us, or ours) on your
property located at 3937 Brookridge Drive, Mechanicsburg, PA 17055 IS IN SERIOUS
DEFAULT because you have not made interest payments of:
Plus you owe late charges tOlaling $44.06. The lolal amount now required 10 cure this
default, or in other words, get eaught up in your payments, as of this dale of this letter is
$925,56.
i
1
j
You may cure this default within THIRTY (30) DA YS of Ihe date of this letter by paying
to us the above amount of $925.56 plus any addilional monthly payments and late charges which
may fall due during this period. Such paymenl must be made either in CASH, CASHIER'S
CHECK, CERTIFIED CHECK OR MONEY ORDER, and made at any of our offices.
If you do nol cure the default wilhin THIRTY (30) DAYS, we inlend to exercise our
right to accelerate the morlgage payments. This means Ihat 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 monlhly installments. If full paymenl of the amount of default is not
made within THIRTY (30) DA YS, we also intend to instruct our attorneys to start a lawsuit to
foreclose your mortgaged property. If the mortgage is foreclosed, your mortgage property will
be sold by the Sheriff to payoff the mortgage debt. If we refer your case to our attorneys, but
you cure the default before they begin legal proccedings against you, you will still have to pay
the reasonable attorney's fees actually incurred, up to $50.00. Any attorney's fees will be added
to whatever you owe us, which may also include our reasonable costs, If you cure the default
within the THIRTY DA Y period you will not be required to pay attorneys fees, We may also
sue you personally for the unpaid pTincipal balance and all other sums due under the mortgage.
.~
We may also sue you personally fur the unpaid principal balan~e and all olher sums due
under the mortgage.
If you have not cllredthe def.lUlt wilhin the thirty day period and foreclosure proceedings
have bcgun, YOII still have the right to cure the derault and prevenlthe Solie al any time up to one
hour berore the sherirrs roreclosure solie. You may do so by paying the tol.ll amount or the
unpaid monlhly paymenls plus any late or other charges then due, as the reasonable allorney's
fccs and costs connecled with Ihe roreclosure sale (and perrorm any olher requiremenls under
tbe mortgage). II is estimalcd Ihatthe earliest dale that such a sherirrs Solie could be held would
be approximately June 7, 1995. A nolice of the date or the sherifrs sale will be scnlto you
before lhe sale, Of coursc, lhe amounl needed to cure the default will inCrc.lsc the longer you
wait, You may find oul at any time exactly what the required payment will be by calling us at
the following number: 231-2917, This payment must be in CASH, CASHIER'S CHECK,
CERTIFIED CHECK OR MONEY ORDER and made payable to us at the address staled above.
You should realize lhat a sherifrs sale will end your ownership of the mortgaged
property and your right to remain in il. If you continue 10 live in the property after the sherifrs
sale, a lawsuit could be started 10 evict you.
You have additional rights 10 help protect your interest in the property. YOU HAVE
THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAYOFF THE
MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING
INSTITUTION TO PAYOFF THIS DEBT. (YOU MAY HAVE THE RIGHT TO SELL OR
TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR
TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL
THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS
ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER REQUIREMENTS
UNDER THE MORTGAGE ARE SATISFIED). CONTACT US TO DETERMINE UNDER
WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST, YOU HAVE THE RIGHT TO
HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
If you cure the default, the mortgage will be restored 10 the same position as if no default
had occurred. However, you are not cnlitled to this right to cure your default more than three
times in any ealendar year,
Sincerely yours,
J. W, Shader, Jr,
Collections/REO Manager
JWS/sjc
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ACT 91 NOTICE
TAKE ACTION TO SA VE YOUI( II0ME FltOM
FORECLOSURE
The Commonwealth of Pennsylvania's Homeowner's Emergency Mortgage Assistance
Program may be able to help you. Rcad the following notice to find out how the program
works,
If you need more information call the Pennsylvania Housing Finance Agency at 1"(800)-
342"2397,
La notificacion en adjunto es de suma importancia, pues afecla su derccho a continuar
viviendo en su easa. Si no comprende el conlenido de esla notificacion obtenga una traduccion
immediatamente lIamanda esta agencia (Pennsylvania Housing Finance Agency) sin eargos al
numero mencionado arriba. Pucdes ser elcgible para un preslamo por el programa lIamado
"Homeowner's Emergency Morlgage Assistance Program" el cual pucde salvar su casa de la
pcrdida del derecho a redimir su hipoteca.
ACT 91 NOTICE
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE PROGRAM
PLEASE READ TillS NOTICE,
YOU MAYBE ELIGIBLE FOR FINANCIAL
ASSISTANCE wlllcn CAN SAVE YOUR HOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE
MORTGAGE PAYMENTS
DATE:
RE:
TO:
MAILING ADD,:
PROPERTY ADD,:
FROM:
ADDRESS:
December 30, 1994
Account No. 1806005450
Dennis A. Scalover
3937 Brookridge Drive, Mechanicsburg, PA 17055
3937 Brookridge Drive, Mechanicsburg, PA 17055
Harris Savings Dank
Second and Pine Streets, P.O. Box 1711, Harrisburg, PA 17105
EXHIBIT
I-:i)
Under the Act, you are entitled to a temporary slay of foreclosure on your mortgage for
thirty (30) days from the date of this Notice. During Ihattime you must arrange and allend a
"face.to.face" mecting with a Tepresenlative of this lender, or with a designaled consumer credit
counseling agency. The purpose of this mccting is to allemptto work out a repayment plan, or
to otherwise sellle your delinquency. This mecting must occur in the next (30) days.
YOII nmy be eligible for Iillallci:IllIsslslance tbat will pre\'ent fOl'eclosllre 011 YOllr
mongage if YOII cOlllply with the provisiolls of the 1I0lllcowncrs' ElllerJ:I'lIcy Mongage
ASlil~tallce Act of 19113 (thc "Act"), YOII limy bc cligiblc for ellll'rgellcy telllporary
assistance if YOllr defalllt has bcclI callsl'd by circlIlIIs!:IIIC('S bl'YCIIll1 Yllllr cOlllrol, YOII hllve
a rellSollable prospl'ct of rl'$lIl11ing YOllr IIIOl11:IIgC ImYlllcllts, alld if YOII lIIeet ollIeI'
eligibility re111lh'l'lIIl'lIls 1'$llIblished by the I'ClIlISylvllllill IIOIISill1: Fhmllcc Agency, I'IClIse
rend all of this Notice, II cOlltaills 1\11 explallation of YOllr rights,
If you allend a face-to-face mecting with this lender, or wilh a consumer credit
counseling agency identified in this notice, no fllrther procecding in mortgage foreclosure may
take place for thirty (30) days afler the dale of this meeting, The name, address and telephone
number of our representative is:
Howard Stein, Collection Counselor
Harris Savings Bank, Secolld and Pine Slrcets, P.O. Box 1711, HarrisbuTg, PA 17105
(717).231-2918 or 1-800-554-4572, Extension 2918.
The names and addTesses of designated consumer credit counseling agencies are shown
on the attached shect. II is only necessary to schedule one face-to-face mccting. You should
advise this lender immediately of your intentions,
Your mortgage is in default because you have failed 10 pay promptly installments of
principal and interest, as requiTed, for a period of at least sixty (60) days. The total amount of
the delinquency is $925.56, which includes late chaTges totaling $44.06. That sum includes the
following:
MONTH BILLED
October 15, 1994
November 15, 1994
December 15, 1994
INTEREST BILLED
$286.75
$282.75
$312.00
Your mortgage is also in default for the following reasons: None
If you have tried and aTe unable to resolve this problem at or after your facc.to-face
meeting, you have the right to apply for financial assistance from Ihe Homcowner's Emergency
Mortgage Assistance Fund. In oTder 10 do this, you must fill out, sign and file a completed
Homeowner's Emergency Assistance Application wilh one of Ihe designated consumer credit
counseling agencies listed on the att.1chment. An application for assist.1nce may only be obtained
from a consumeT credit counseling agency. The consumer cTedit counseling agency will assist
you in filling out your application and will submit your completed application to the
Pennsylvania Housing Finance Agency. Your application must he liIed or postmarked, within
thirty (30) days of your face-to-face meeting.
/1 Is exlreml'ly IIIIl'oruml 11/1/1 )'11I1 Jill' Yllllr IIPl'l/ell/ltIIl I'mllll'lly. 1/ YIIII dll "01 dll SII,
or 1/ YOII do "01 flll/llw Ihe 1IIIII'r 11/111' perll/(I.I' .I'l'l fllrth I" Ihl.l' It'UCf, fllreelll.l'lIre /IIay I'mcced
agalml yaur I/(/me l/IIml'll/ule/y.
Available funds for emergency mortgage assistance arc very limited, They will be
disbursed by the Agency under Ihe eligibility criteria established by the Act.
It is extremely important thai your application is accurate and complete in every respect.
The Pennsylvania Housing Finance Agency has sixly (60) days to make a decision after it
receives your application. During that additiomll time, no foreclosure proceedings will be
pursued against you if you have met the lime requirements set forth above. You will be notified
directly by that Agency of its decision on your application.
The Pennsylvania Housing Finance Agency is located at 2101 North Front Strect, Post
Office Box 8029, Harrisburg, Pennsylvania 17105. Telephone No. (717)-780-3800 or 1-800-
342-2397 (toll free number). Persons with impaired hearing can call 1-800-342-2397.
In addition you may receive another notice from Ihis lender under Acl 6 of 1974, That
notice is called a "Nolice of Intention to Foreclosure". You must read both notices, since they
both explain rights that you now have under Pennsylvania law. However, if you choose to
exercise your rights described in this notice, you cannot be foreclosed upon while you are
receiving that assistance.
Very truly YOUTS,
Howard Stein
Collcction Counselor
HS/sje
Attachment:
IUHARRIS'"
U SAVINGS BANK
:-it'fllllll ,uul 1'1I1t~ Strc'cI!i
1'.0. II... 1'111
lIarll.IIIII~, 1'l'II11sylv,IIliil 1711I5,1711
'/17I2:W,41H I
CUMIIEltLANI> COUNTY
CREDIT COUNSELING AGENCIES
Consumer Crcdil Counseling Service of Weslern Pennsylvania, Inc.
2000 Linglestown RoaJ
Harrisburg, PA 17102
(717)-541-1757
Financial Services Unlimited
117 West 3rd Streel
Waynesboro, PA 17268
(717)-762-3285
Urban League of Metropolit:1II Harrisburg
25 North Front Street
Harrisburg, PA 17101
(717)-234-5925
FAX # (717)-232-4985
YWCA of Carlisle
301 G Street
Carlisle, PA 17013
(717)-243-3818
FAX # (717)-243-3948
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717,~:IlH(~11
December 30, 1994
The subscriber below of the U. S. Post Office located at the Federal Building, 228
Walnut Street, Harrisburg, PA, does hereby certify that an envelope was mailed with postage
repaid by First Class Mail from the Harris Savings Bank, addressed to Dennis A. SeaJover, 3937
Brookridge Drive, Mechanicsburg, PA 17055 is properly deposited in the U. S. Mail for
delivery this 30th day of December, 1994,
U, S. Post Office
By: I 1\ ,L;
Federal ~llding
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SilER IFF' ~=: RETUIW
REGULA"
CASE NO: 1996-0060S P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
UARR IS ~3,[I.YJltGS ~.!\!i!\.___m____'___
VS.
SEALOV~R DENNIS A
_2TEY.1;: WIlISTLER
_____,_______, Sh'2riff or [><i'puty Sheriff of
CUMBERLAND County, Pennsylvania. vho
to r".... says, thC' "'1\hin ~_OMPLAINT -_
upon. SEA_LOVER DENNIS A
defendant, at _18'lufi1.<il HOURS.
being duly s...orn according
MORT LORA_
was
served
on the _..1JJI. day of F.~bruj1XY
199~ at __=1.:137 BROO~:RIDGE DRIY.!';._____.______________..____
MECHA N I CSBURG,__EL_!..?.~2.~____.._________ _________._, ~IJM BE;BLA IUi
County, Pennsylvania, by hand1nq to DEllli'!.S.___~,_ SE~LOVE1L-_____._.___
a true and attested copy of the
together ...Hh NQ:r...LC;J:___
COMPLA I NT -..J10R.,L,LQJi.l;:__
_._.__.._~._._---_.._~.'
and at the same time direclino Hj..g ntt.ention t,,) t.he r:ontc~nts t.hereof.
Sheriff's Costs:
Docl~et1nq
Service .
AffJ.davit
Surcharg(1
18.00
7.84
.00-
2.vm
So '~nF.<-l''l?',~;C/ ~~
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5'17:<3'4-' HANSON MW RlIBEIl
02/081199'-;
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LAW OffICES
"ANSON & RUDEN
SUITE 307
IOOCllESTNUT STREET
IlARRISRURO, PA 17101
(717) 236,8015
HARRIS SAVINGS BANK,
Plaintiff
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rN THE COURT 01' COMMON PLBAS 01'
CUHBBRLAND COUNTY, PENNSYLVANIA
HO. '05 CrVrL 1'"
CrVrL ACTrON - LAW
rN HORTGAGB I'ORBCLOSURE
v.
DBNNrs A. SBALOVBR,
Defendant
TOI Dennis A, Sealover
3937 Brookridg6 Drive
Mechanicsburg, PA 17055
DATB 01' NOTICEI February 28, 1996
rMPORTANT NOTICB
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 NOTICE TO A LAWYER AT ONCE, IF YOU
DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP,
CUMBERLAND COUNTY LAWYER REFERRAL SERVICE
COURT ADMINISTRATOR
CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PA 17013
(717) 240-6200
Date:
'-/2-<;; /? 6
Respectfully submitted,
HANSON and RUBEN~
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By
Richard C, Ruben, Esquire
Attorney for Harris Savings Bank
100 Chestnut street, Suite 307
Harrisburg, PA 17101
(717) 236-8015
I.D, #27767
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BARRIS SAVIHGS BANlt, I rN THB COURT 01' COMMON PLUS 01'
Plaintiff I CUMBBRLAND COUHTY, PBNNSYLVANIA
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v, I NO. 1I05 CrVrL lUll
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DBNNrS A. SBALOVBR, I CrVIL ACTrON - LAW
Defendant I rH MORTGAGB I'ORBCLOSURB
CBRTrl'rCATB 01' SBRVrCB
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I, SHARON R, KYLE, hereby cert fy that on th s ~
day of
February, 1996, I served a copy of the foregoing 10 Day Notice by
first class United States mail, Certificate of Mailing, postage
prepaid, addressed as follows:
Dennis A, Sealover
3937 Brookridge Dr,
Mechanicsburg, PA 17055
HANSON & RUBEN
By:
~~~~' R~KY~ ~
Paralegal - Legal Secretary
100 Chestnut street, suite 307
Harrisburg, PA 17101
(717) 236-8015
.O.O"""H'anson and Ruben
On. pltc. of ardln.ry m.1I .ddr....d 10:
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PS Form 3817, Mar, 1888
GPO I 1993 0 - 1S1-0S1
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LAW OFftClI
HANSON & RUDEN
SUITE J01
100 CtlESTNUT STgEET
t1ARRIS8URO, PA 11101
(711) 2J6.8015
JIAIlIlr8 8AVrllG8 BAlIK, I rll TBII COUllT 01' CODON PLDI 01'
l'1aintiff I CUlCBBRLMlD COUNTY, PBNN8YLVANrA
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V. I NO. 116-105 CIVIL 111116
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DIDlIII8 A. 811AL0VIIR, I CIVIL ACTrON - LAW
Defendant I rN KORTGAOB I'ORBCL08UllB
PRABcrPII I'OR BNTRY 01' JUDOKBNT
TO TllII PROTHONOTARY
cumberland County Courthouse
One Courthouse Square
Carlisle, PA 17013
Please enter judgment in favor of Plaintiff, HARRIS SAVINGS
BANK and against Defendants DlDlIIrB A. BIlALOVBR in the amount of
$47,382,26 for failure to answer the Complaint, The 10 Day Notice
of Intention to Take Default Judgment was mailed on February 28,
1996 as certified by the certificate of Service previously filed,
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principal to March 31, 1995
Interest thru Distribution (10/04/96)
Late charges
Attorney's fees
$36,500,00
8,542,75
239,51
2,100,00
TOTAL AMOUNT:
$ 47,382,26
Plus additional costs and expenses of suit and actual
expenditures to preserve security,
Date:
:;; /:2., vh~
Respectfully submitted,
HANSON and. RU~
By /~~
Richard C, Ruben, Esquire
Attorney for Plaintiff
100 Chestnut street, suite 307
Harrisburg, PA 17101
(717) 236-8015
I.D, 127767
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I hereby certify that the <"n e
receive these Notices under Pa,R,Civ,P,
of the proper persons to
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HARRIS SAVINGS BAIllt, I IN THB COURT OF COMMON PLBAS OF
Plaintiff I CUHBBRLAND COUNTY, PENNSYLVANrA
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v. I NO. !I6-605 CrVrL 111 !16
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DBNNrS A. SBALOVBR, I CIVIL ACTION - LAW
Defendant I rN MORTGAGE FORECLOSURB
NOTrCB OF BNTRY OF JUDGMBNT
TOI Del1l1ia A. Sealover
3037 Brookridqe Dr.
Meohaniosburq, PA 17055
You are hereby notified that on ~, 1996 the following
Judgment has been entered against you in the above captioned case:
Judgment in favor of Harris savings Bank and against Dennis A, Sealover
in the amount of $ 47,382,26 , additional costs and expenses of suit and
actual expenditures to preserve security,
Date:
)-~1('?
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Dennis A. Sealover
3037 Brookridqe Dr.
Meohaniosburq, PA 17055
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