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Home My WebLink About96-00959 ~ 1. i ~ :t. I . ' ;:11 i f' I ! I~ : ! ' , 1 I ' l;g ; i~ i oJ : ,p IJ 1 i I J ~ I ! r I I J : ( .,i ,! cr- , lD CT " I -.9 cJ , ./ ~ BINGAMAN. HESS, COBLENTZ & BELL, P.C. BY: Clemson N. Page, Jr., Esquire Attorney 1.0. No. 36710 601 Penn Street, Suite 660 P.O. Box 61 Reading, PA 19603 (610) 374-8377 Attorney for Plaintiff HOUSEHOLD REALTY CORPORATION, d/b/a HOUSEHOLD FINANCE CONSUMER DISCOUNT COMPANY, Plaintiff IN THE COURT OF COMMON PLEAS, CUMBERLAND COUNTY, PENNA. v. No. 96-959 Civil Term JAMES B. MOREHEAD and HENI-IRIS MOREHEAD, ACTION IN MORTGAGE FORECLOSURE Defendants PRAECIPE TO DISCONTINUE, SETTLE AND END ACTION TO THE PROTHONOTARY: . . Kindly mark this matter DISCONTINUED, SETTLED and ENDED with regard to Defendants, James B. Morehead and Heni-Iris Morehead, without prejudice. Dated: October 15, 1996. BINGAMAN, COBLENTZ & BELL, P.C. Esquire ~ en ~ lr. .- .. f.:- ~~ - ,:,s; ()o-_, ::c 'J~ ~f.', ... (")=3 ::".. 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Affidavit or Se:-n= :iowr ~9 .. o,,:!cc:::c "t. 1::-.-d .. :.::~ wi'~;" 'J!,<,l! .1 ~ ::....:~ :0 1 c:py ai == :2~~-..r ... 1J:lQ = Qowa :0 ~ .:::t::::S ::::::L So a::sw=. 3lu:::i5 .t C:naACT. ?~ oS",",,:: md SUC:sc-:::d == :::: :=.:s _ ::ay ai COSTS ::;..:...~"""'IC:Z s !~- ~C!I...!..-\C Z .~: u..u,...,.IT -------. $ ._'----- ':''') . ..." , I ' r" ..-- '-' . I ...........- :.; 1- \.,'0 ~ , u;' , f~ <I) , " Li' ';',J , .~. ~) '-' ~ v-:. ~ , . i'o' I, ') "' 1.... 1 .~ ~ "'" -- . . " ~,. '"'~" c:..; 'X~J " '" , ,) ", (\...( - ~" I' --.../ . ~ ..t, >, enZ Z c.l - ~ <>:z < ~ . oil c.lc..l 0. ... X 'tl ::> "J N ~ ..:10.. 8 c en ~ ; ; 0.. III zo - H..:I - , ~ - ~ z>< 111 Cl ~ U ~v == ~~ ~-i~ woE-< ~WE-< 0<>: 111 E-<c.l '" :I::EZ >>.ou:;: <c.l ...:l Zf>: 111 ... ~ - " ~ " E-<~Z::> c.l:I: o.'~ \ ~ I) (j i I ~:> ~ ~ e-.o::J HO '" UO ..:I'tl<>:O :>::c.l I :St.. '0' = '}1' ~.~~ 8 Z U <>: zu c.la; (g H"-'O c.l - Hen ~O C o..c.l zoo == ~~~ ~zg a;Zt..H O:E 0 Xt:l Ct1 '... - ~ '" ~ Oz 0 0 :E '.... 0< c: !:~ 9 ... E-<< OHO en ..., o ,~ ~ f>:..:I ..:IE-<..:I{l( 'H (J Ut:l UJ ~< ~ 00<0c.l all>: 0< E-< ~ :; ~ ::><>: f>: OW :>::<>::Cx H ual wow::> . <Il' .... ~ .... ~ x eno..U)en UJ c..lH ..... U U ::> ::><>::JZ :> ~~ . :> :<: U 0000 0 '.... ii :>::u:cu "J:>:: Z U I' . .' ; .. ~ . ."'.... . " ol. Att.ached to the within Complaint dnd Lnc,n'pordted het',,,in by reference as Exhibit B is a true and correct copy of the Note, which accompanies the Mortgage. S. The premises subject to the Mortgage are descrlbed fully Ln the legal description, attached hereto as Exhibit C. 6, Plaintiff has not dssLgned the Note or the Mortgage and is the holder thereof. 7. The Defendants are in default with regard to the Mortgage in that they have failed to pay when due the monthly installments from September, 1995 to date. 8. Pursuant to the Homeowners Emergency Mortgage Assistance Act of 1983, written notice of counseling was given to the Defendants by regular and certified mail. A copy of the aforesaid notice of counseling dated November 30, 1995 is attached hereto, marked Exhibit D and incorporated herein by reference. Plaintiff avers that the Defendants did not avail themselves of the opportu- nity for counseling within thirty (30) days from the date of said notice. 9. Pursuant to Act of January 30, 1974, P.L. No.6 (41 P.S. 101 et seq.l, written notice of intention to foreclose was given to the Defendants on November 30, 1995 by certified and regular mail. A copy of the aforesaid notice of intention to foreclose and post office receipts are attached hereto, marked Exhibit E and incorporated herein by reference. J.O. The claim of the Plaintiff as of February 16, 1996 is itemized as follows: tG~Wd~d and fo~ the fo~eclosu~e and saLe of the mo~tgdged pre,nises located at 425 Pawnee Drive, Mechanicsburg, Cumberland County, Pennsylvania 17055. Dated: February 16, 1996 BINGAMAN, 1 61 By: 1(, . \ I 11~;u~'JO -'(~~i,;('d MORTGAGE [1] II' BOX IS CHECXEO. THIS MOIlTGAGB IS AN OPHN-IlND MOaTGAGB "NO SllCUal!S furoas "DVANCI!S THIS MORTGAGE is made this 13rH dAy of ~RY HENI-IRIS MOR,HEAO AND JAMES BARRY MOREHEAD WIFE AND HLSBANO (here,n 'llorrower'), anlll.lortgagee HOUSEHOLD FINANCE CONSLMER OISCOl.Nr CQlNANY A ""rpontion organized anll oxisting unller the lAWS 01 PENNSYL V AN I A 2~ GArEwA'1 DRIVE, SUirE 101, MECHANICSBURG, PA 11055 (here,n 'Lenller" ). The followinC ~tlcr'ph preceded by . checked bol is .pplic.blo, n WHEREAS, Borrower ia indeblcd lO lAndot in tho principal sum ol S . OVia'enced by Borrower's LOin Repeymml and Security Acrecmenl or ~ItY MOrlCl1" LoIn "croomonl dAlod and any OltCnsiona or ronowals thereof (horein "NOlo"), providinl for monlhly illltlllmenrs of pronc,paJ and Interest, includinl lOy adjUllmenrs lO the amount of paymmll or lho conlncl nle if lh.l nlo is variAble, with tho bllance of the iodehledness. if nol sooner paid, duo and pay.blo on [1] WHEREAS, Borrower is indebted to lender in the principII sum of S B5 ,000 00 , or so much thereof as may be advanced pursuant to Borrower's Revolvinc Loan Agreement dated JANUARY 13, Igg4 Ind extensions And renewals thereof (herein "Note"). providing ror monthly installments. and ,nteresl at the ralC and under the terms speciried in the Note, including any adjustmenrs in the interest me illhat rate is yariable. and providing ror a credit limit Sl.1tod in the principal sum abovo and an initial advance or S 85,100 00 TO SECURE to Lender the tcpayment of (I) the indebtedness evidenced by the Note, with intereal thereon, inCluding .ny increases if the contract nlC I. v.ri.ble; (2) ruture advances under any Royolvinc :'OIn Acreement; (3) the payment of all other sums, with iOllll'Cllt thereon, advanced in accordance berewith lO prolClct tho security of thia Mortpp; .od (4) the perrormance of the co.enulI and acrecmenlS of Borrower herein contained, Borrower does hereby mortpce, ennt .nd convey lO lAndot and Lender's succesaors and -coa the followioC described property located in tM County of CLMlERLAND Commonwealth of Pennsylvania: .--,- 19 .iL- . between tho MOrlC'p, . ,WII06O address is BRIEF LEGAL DESCRIPTION ALL THAT CERrAIN PROPERTY SITUATED IN rHE TOWNSHIP OF HAMPDEN IN THE COUNTY OF C~ERLAND AND COMMONWEALTH OF PENNSYLVANIA, BEING DESCRIBED AS FOLLOWS: LOT 13. BLOCK G PBV 21, PAGE 13, BEING MORE FULLY DESCRIBED IN A DEED DATED 01/30/81 AND RECORDED 02/06/81, AMONG THE LAND RECORDS OF THE COUNTY AND STArE SET FORTH A80VE. IN DEED VOL~ 32~ AND PAGE 220 TAX MAP OR PARCEL 10 NO, lo-1Q-leOO-8~ ADDRESS: 425 PAWNEE OR. '-'2 . .., c:.... .. ?~ , , - .~ ! , ..... :- : =0 < '. :::J , r:' , - .' 0 -. , '-l: -: . . N > wllich IIUIM addtCSII of ~AWNEE OR , 11-" lAECHANICSBURG ICII,t Ponnsylv.nil 11055 CZI, CocW .u.01-t2 Motl..... ,. (hereio "Properly Address"); ,....001201 , . ~Ua" ll" "_) . Ii" V r,'~~ '1 'Jr, .. I EXHIBIT A .2. TOGETHER with all the improvements now or herealter erect.d on the property, and all easem.nts, rights, appurtenances and rents, all 01 "hich shall be deem.d 10 be and r.main a part 01 the property covered by this Mort.ag.: and all 01 the loregoing, to~.ther "ilh said property (or the I....hold cstale il this Mortgage is on a leaschold) ... hereinaltet relerr.d to IS the Property," Borrower cov.nants that Borro".r is la"lully seis.d 01 the cstate hereby conveyed and has the right to mortgage, grant and convey the Property, and that the property is unencumbered, except lor encumbrances 01 record. Borrower cov.nants that Borrower warrants and will der.nd gen.rally the title to the Property against all claims and d.mands. subjCI:t to encumbranccs 01 record. UNIFOR:'\I COVE:-IANTS. !lorro".r and Lender cov.nantand agree as lollows: I. Payment 01 Principal and Interesl at Variable Rates. This mortgage secures all paymenL' 01 principal and inlCl'esl due on a variabl. rate lo.an. The contract rate 01 interest and payment amounts may be subjCI:l to change as provided in the Note. Borrowers shall promptly ray when due all amounts required by lhe NOle. 1 Funds lor Taxes and losurance. Subjecl to applicable law or waiver by Lender, !lorrower shall ~y to lender on the day monlhly payments 01 principal and int.rest arc payable under the Note. until the Note is plld in lull, a sum (herein "Funds") equal to onnwelllh 01 the y.arly taxes and ~m.nts (including condominium and planned unit development assessments, il any) which may attain priority OVet this Mortgage and ground rents on the Property, ilany, plus onnwellth 01 yearly pr.mium installments ror hazard insurance, plus one,welllh 01 yearly premium insullments lor mortgage insuran,", il any, all as r.asonably estimat.d initially and Irom time to time by Lender on the basis oi ass<:SSments and bills and r.asonable estimates Ih.reol, !lorrower shall not be obligat.d to make such payments 01 Funds to Lender to the estent that Borro"er makes such payments to Ihe holder 01 a prior mortgage or d..d 01 trust il such holder is an institutional lender. II Borrower pays Funds to L.nder. the Funds shall be held in an institution the deposits or accounts 01 which are insured or gumnteed by a Fed.ral or state ag.ncy (including Lend.r il Lender is such III institution), Lend.r shall apply the Funds to pay said taxes, assessments, insurance premiums and ground r.nts. Lend.r may not charge lor so holding and applying the Funds, analyzing said account or verilying and compiling said assessments and bills. unless Lender pays Borrower interest on the Funds and applicable la" permIts Lender to make such a charge. Borrower and Lender may acree in writing at the time 01 execution 01 this :'\lortgage that interest on the Funds shall be paid to Borrower, and unless such agreement is made or applkable law requires such interest to be paid. Lendet shall not be required to pay Borrowet any interest or earnings on the Funds. Lender shall give to I3orrowet, "ithout charge, an annual accounting 01 the Funds showing credits and debits to the Funds and the purpose lor which each debit to the Funds was made. The Funds are pledged IS additional security lor the sums secured by this Mortgage. ' lIthe amount 01 the Funds held by Lender, together with the luture monthly insullmen15 of Funds payable prior to the due datcs oltues. assessments, insurance premiums and ground rents. shall eJcecd the amount required to pay said wes, assessments. insurancc premiums and ground rents as they lall due, such excess shall be, at Borrowet's option. either promptly repaid to Borro"er or credited to !lorro"er on monthly installments 01 Funds. lithe amount 01 the Funds held by Lender shall not be sufficient to pay taxes. assessments, insurance premiums and ground rents IS they lall due, Borrower shall pay to Lender any amount necessary to make up the deliciency in one or more payments as Lender may require. Upon payment in lull 01 all sums secured by this Mortgage, Lender shall promptly relund 10 Borrower any lunds held by Lender. II under paragraph 17 hereol the Property is sol:l or the Property is otherwise acquired by Lender. Lender shall apply, no later than immediately prior to the ..Ie 01 the Property or iL. acquisition by l.ender, any Funds held by ,Lender at the time 01 appli""tion as a credit against the sums secured by this Mortgage, J. ""rlicllion 01 Pa!'ments. E.1CC;>t lor 10al\.1 made pursuant to the Pennsylvania Consumer Discount Company Act, all payments received by Lender under the Note and plragraphs I and 2 hereol shall be applied by Lender tirst in paymenl 01 amounts payable to Lender by Borrower under paragraph 2 hereof, then to interesl, and then to the principal. .c. Prior Mortglgd and Deed 01 Trust; Chorscs; Liens. Borrower shall perlonn all of Borrower's obligallons undet any mortglge, deed 01 trust or other security agreement with a lien which has priority over this Mortgage. includina Borrowet's covenants to make payments when due. Borrower shall payor QUSC to be paid all taxes, assessments and other charges. lines and impositions attributable to the Property which may attain a priority over this Mortgage, and leasehold payments or ground rents, il any. 3. Hazard (osunnce. Borrower shall keep the improvements now existing or herealter erected on the Property insured against loss by lire, hazards included within the term "extended coverage," and such other hazards as Lender may r~irc. The insurance ""rrier providing the insurance shall be chosen by the Borrower subject to approval by Lender; provided. Ihat such approval shall nO! be unreasonably withheld. All insurance policies and renewals thereol shall be in a form aceepuble to Lender and shall include a standard mortgage c1au.o;c in lavor 01 and in a lorm acceptable to Lender. Lender shall have the risht to hold the policies and renewals thereol, subject to the terms 01 any mortgage. deed of Irust or olhet security agreement with a lien which hIS priority over this Morlgage. In the evenl 01 loss, Borrower shall give prompt notice to the insurance ""rrier and Lender. Lender may mike prool of loss il nOI made promptly by Borrower. lithe Property is abandoned by Borrower, or il Borrower lails to respond to Lender within 30 days Irom the date notice is mailed by Lender to Borrowet that the insurance carrier oilers to setlle a elaim lor insurance benetits, Lender is authorized to rollecl and apply Ihe insurance proceeds at Lender's option either to r<Stominn or repair of the Property or to the sums secured by Ihis \Iortgage, - O]'01.!J2 MOtt'g.~. PA ~JL1", I ':J::.! r.l.t ..~i' .' ,....001101 EXHIBIT A .J. 6. PreservatIOn and \hllltenance of Property; Leaseholds: Condominiums; Planned Vnit Developmenr.s. Borrower shall ~eep tho Property in jcod repair ~nd shall Dot commil "OSlO or permit impairment or deterioration of the Property ~nd ,hall comply with the provisions of Iny I..... if this MortjlCC is on a I_hold. U this ~lortpp is on I unit in I oondominium or I planned unit development. !lotrower shall perlorm all of Borrower's obli,lliollS under Ihe declaralion or covenants "..tin, or jovern;ng Ihe condominium or pl~nned unit development, the by'laws and regulations of the condominium or pl~nned unil development, .nd conslituent documents. 7, Protection of Lender', Security. If Borrower lails 10 perform the covenants and agreements cont.1ined in this Mortll.ge, or i( Iny ~ction or proceeding is commenced which m~terially Iffects Lender', interC3t in tho Property, Ihen lAnder, It Lender's oplion, Up''" notice to Borrower, m~y m~ke ,uch appearances, disburse ,uch sums, including rusoo.1.blc 3ttorncys' fees, and rJk~ $w.:h Jl.:tion .u IS net:essuy (0 prolet.:l Lender's intcre:;t. Any ImountS di,bu:sed by Lender pursuanl to this pangraph 7, with interest thereon, 1\ Ihe conlract rate. shall become Idclilional indebledness o( Borrower secured by thi, Mortl'lIe, Vnl= Borrower Ind lAnder "a~ 10 other terms o( payment, ,uch Imounts ,lull be plYlble up''" notice I.'om lAnder to Borrower requestina payment thereof. Nothing contained in Ihi, pa"g<>ph 7 sh.1I require Lender 10 incur Iny e,pen.se or I.ke Iny action hereunder. a. Inspection. Lender may wke or ,"use to be m.de reasonable entries uP.Gn and inspections o( the Property, pro\'ided Ihat Lender ,h.1I III \ e Borrower notice priur to any ,uch inspection 'peclfyina rOlSOn.ble cause therefor related to Lender's interest in the Property. 9, Condemnation. ,he proceeds 01 any award or claim (or damaaos, direcl or consequentiai, in connection with In)' condemnJtion or o(her uking of the Prnpc::rty, or put thereof, or for c.:onve}'Jncc in lieu or condemnatiun, are hcrc9Y assigned Jnd shall be paid to l.enJer, :luhjeL't to the terms or .any mortg.1ge, deed ur trust (Jr other security agreement with a lien whic.:h has priority over this ~lo(tgJge. 10. Borrower Not Released; Forbearanc. By lender Not a Waiver, Ext.nsion of th. time lor payment or modification o( amortiwioll 01 the sum5 secured by thi, ~Iortllage gr3nted by Lender to any successor in intercst 0/ Burrower shJl1 not operate tu n:lcJsc:, in Jnj' manner. the liability of the origin.ll Borrower and Borrower's successors in inlercst. l.ender ,ball nol be required to commence proceedinl' Igainst ,uch successor or refuse to .ltend tim. for payment or otherwise modify .mortization o( the sum. secured by this ~Iortpg. by reason 01 any demand made by Ih. oriainnl !lorrower and Ibrrower's ,uccessors in interest, An)' (orbearance by Lender in exercising Iny right or remody hereunder, or 01 her wise afforded by .pplicabl. law. ,hall not be a waiver of or preclude th. exercise of any such right or remedy. 11. Soccessors and Assians Bound: Joint and Sevenl Liabilil)'; Co-sianers. The covenants and "arcoments h.rein contained shall bind, and the riahls hereunder shall inure 10, the rcspective successors Ind assiens o( lAnder ancl Borrower, ,ubject to the provisions o( paragraph 16 hereof. .~II COVenants and agreements o( !lorrower ,hall be joint Ind several. Any !lorrower who cO'signs thIS Morrgage, but does nOI execule Ihe NOle, (a) is co-sillnina this Mortalge only to mortaage, grant Ind convey that !lorrower', inlercst in th. Property to Lender under the term, o( this Mortalge, (b) is 1I0t personAlly liable on th. Note or under thi, Mortgage, and (c) agrees that lAnder and any other Borrower hereunder may agree to enend, modify, lorbear, or make any other a=mmod.uions with regard to the terms 01 this Mortaaae or th. Note without that Borrower's consent and without releasing thAt Borrower or modifying this Mottg.ae IS to that Borrower's intercst in the Prope"y. 12 Notice. Except (or .ny notice required under applicable law to be given in another manner, (a) any DOtice to Borrower provided (or in this Mortgsge ,hall be given by deliverina it or by mailing such notic. by certified mlil addrcssed to Borrower at the Property Addr... or at ,uch other addr... as !lorrower may designale by notice to lAnder as prmided herein, and (b) an) nOlice lo Lender ,hall be given by certified maillo lender's address 'LUed herein or to ,uch other addrcss ... Lender m,y de:;ignate hy nOlice to !lotro..er IS provided her:in. A.1Y notic. provided (or in this Mortgag. shall be deemed to have been given to Borrower or lAnder when aiven in tb. manner designlled herein. 13. Governing lotw: Severability, The ,tate and loc.lllw, applicable to this ~Iortgage ,hall be the law. o( the jurisdiction in which tbe Property is located. The loregoing ..ntence ,hall not limit the applicability of Fwerallaw to this Mortalge. In the event that .ny provision 01' cl.use of this Mortg.ge or the Note conflicts with Ipplicabl. Ilw, ,uch connia shall not a{lect other provisions o( this \fortgage or the Note which can be aiven effect without th. connictina provision, and to this end the provisions of this ~Iortasge Ind the Note If. declared to be ..verable. As used herein, .COlIIS," .expenscs. .nd .lItorney,' I.... includ. all .ums to the extent not prohibiled by applicable law or limited herein. 14. Borrower's Copy, !lorrower ,hall be (urni,hed a conlormed copy o( Ihe Note and o( this ~Iortgage at the time o( execution or a(ter recordalion hereof. IS. Rehabilitation Loan Agreement. !lorrower sh.1I (ulfill sll o( Borrower's obliastions under Iny bome rehabiliwtion. improvement. repair, or other loan agreement which Borrower enter, into with lAnder, lAnder, It Lender', option, may require !lorrower to eXecute snd deliver to Lender, in a (arm accepuble to lAnder, In assignment o( any rights, daims or de(enses which Borrower m.y have sgsin't partics who ,upply I.bor, malerial, or services in connection wilh improvements made to Ihe Property, 16. Transler of the Property. If !lo"ower sells or trans/e" all or any part o( the Property or In interest therein, ..eluding (a) the creation o( a lien or encumbrance subordinate to this ~lortgsge, (b) a tran'(er by devise, descent, or by operation o( law upon the death o( s joint ten.nt, (cJ the grant o( any leasehold interest o( three years or less not containing an option to purchase, (d) the creation o( a purcfase money securil)' interest (or household appliances, (e) I tran,fer to a relative rosulting from the death of a !lorrower, (() a transfer where the s!"'Juse or children o( Ihe Borro"er become: an o\\"ner of the pr:Jpert;.. (g) J transfer re;,ulting frlJm .:) dCl:rec of Jjs:;olution of mJrriage. legal scpar.1tion OJ.Ol.'U !YIO'IQ'g. "4 . . . Ij' , I:dIJ' '.)..' ~~i 'i~.., PAOQI20J EXHIBIT A 4. a,teement, or from .n inei.J.nt.1 ptllperty ",ul.m.nt ,gr..m.nl. by which the spouse of Ihe Ilorrower be<:omes .n o..ner of lh. property, (h) . Innsf.r into an inler ViVOll trust in which the Borrower ~ .nd rern.ins . benenciary and "hieh doca not r.I.I. to . transf.r of rights of oo:upan.-y in th. property, or (j) any Olh.r tranaf.r or disposition d"""lIbed in regulations prescribed by the Fed.ral flam. Loon B.nk Iloud. Ilorto""r shall cause 10 be submitt.... informalion requir.... by L.nder to .valu.t. lh. transfer.. :IS if . n.w loan w.ra being m.d. to the transfaree. Ilonowar "ill continue to be oblig'led und.r the :'>lol. .nd this ~Iortg'ge unless Lendar rele.ses Ilorrowar in writing. If L:nd.r dUd not .gr.. to such ..I. or trlosfer. L.nd.r m.y declll. .11 of lh. sums secur.... by this Mortgago w be imm....i.t.ly doe .nd pay,bla, If Land.r uercises such option to .ecalent.. lender shall m.i1 Borrower notice of .ceeletltion in ICcord.nce with patlgnph 12 hereof, Such nOlice sh.1I provide. period of not loss than JO days from Ihe elate the notic. is m.il.... or d.liv.r.... within "hich Ilorrower may pay Ih. sums declared du.. If Ilorrower fails to pay JUCh sums prior 10 Ihe e.piration of such period. L.nder may. without furth.r notice or dam and on Borrow.r, invoke any rem....ies permitt.... by paragraph 11 hareal, NON'UNIFOR~1 COVE:-IANTS, I30rrower and L.nder furth.r cov.n.nt.nd .gre. 15 follows: 11, Accel.ration; R.medie., Exc.PI 15 provid.d in panlraph 16 h.reof, upon Dorrower's breach of any covenant or alreemenl of Borre",.r in Ihis ~(orlgale. includinl Ihe covenanu to pay wh.n due any sunu .ec'Jred b~' t!':i~ M(l"~:~:~. LenlJer pd.]r ~o .~':eler3til:'ln ~t-:!! ;i"~ notic"! !o l!':)r:'O~~er " :-ro'.'ided in panlraph 12 hereof specifying: (I) the breoch; (21 the .ction required to cure such breoch; (3) a date, not leas Ihan 30 days from the dale Ihe notice is mailed to Borrower, by which such breach must bn cured; and (4) that failure 10 cure such breach on or bnfure the date specified in the nut ice may re.ull in acceleration of Ihe .unu .ecur.d by this \lortgage. foreclosure by judicial proceedinl, and sale of the Properly. The notice shall further infurm Burrower uf th. right 10 reinst'le after ,ce.lention and Ihe rilht to asserl in the foreclosure proceedinglhe none,istence of a defaull ur any nther defense of Dorrower 10 .cceleration and foreclosure. If the breach i. nol cured on or before Ihe date specified in Ihe notice, lender, al lender'. option. may declare an of the .unu .ecur.d by thi. \(Ol1gal. to be immediately due and payable wilhout further demand and ltUIy foreclose this Mortlale by judicial proceeding. l.nd.r shan be en tilled to collect in such proceedinl all upenses of foreclo.ur.. includinl, but nol limited to, reasonabl. attorney.' fees and cosu or documentary .vidence. abstracts and ti tie reporu. 18. Borrower'. Rilht to Reinstate. Notwithstanding Lender's acceleration of the .ums by this Mortlage due to Borrower's breach. Borrower sh.'1 h.ve the right to h.ve any proceeding. beeun by L:ndar to enforce this Mortgage. discontinu.... .t 'I\Y time prior to entry of. judgment enforcing this \Iortg.ee if: (a) Omrower p.ys I.endar all ~um" which would be then due under this Mortgage and the Note had no acceleration occurred; (b) Borrower cures all breachd of any other cov.n.nlS or agreements of Ilorrower contain.... in this Morteage; (c) Ilorrower pays all reasonable .Ipe.- incurred by L:nder in enforcing the covenants and agr..ments of Ilorrower contain.... in this Mortgage. and in enforcing L:nder's remedid IS provid.... in paragraph 11 hereof. including, but not limited 10, reasonable altorneys' lees; and (d) Borrower takes such ICtion 15 lend.r may re.sonably require 10 assure th.tthe lien or this Morteage, L:nder's interest in the Property and Borrower'. obliption to pay the sums securad by this Morteae. shall continue unimpaired. Upon'soclI payment .nd cur. by Borrower, this Mortg.ge snd the oblie.tions secured her.by shall rem.in in full force and .ffectlS if no acceleration had occurred. , 19. Assilnment or Renu; Appointment or Receiver. .~ .ddition.1 security hereunder. Borrower heraby wigns to Lender the rent. of lb. Property. provid.... t~31 Borrowe~ ~ha:l, pril)r tl) acceleration under p.ra;::lph 11 hereof. in abandonment of the Property. have the right to collect and retain such renu as they become due and payable. Upon acceleration under paragraph 1 hereof or abandonment of Ihe Property. Lender shall be entitled to have a receiver appoint.... by a court to ent.r upon. take possession of and manage Ihe Ptoperty and to collect Ihe renl.! of the Property includinllhoee past due. All renu collected by the receiver sh.1I be applied nrstto payment of the COGI.! of msnaeement of the Property and collection of rents, including, but not Iimil.... to, receiver'. f.... premium. on receiver's bonds and reasonable attorneys' f_, .nd then to the sums secured by this Mortgage. The receivar shall be liable to account only for th06C rents actually =eived. 20. Release. Upon payment of all sums JeCUred by this Morteaee, Lender shall release this Mortgage without charee to Ilorrower, Ilorrower shall pay all ~OSlS of =ord.tion, if any. 2!. Waiver or Homestead. Ilorrower hereby waives all rieht of homestead exemption in the Property under Slate or Federalla... 22 Interest Rate Arter Judlment. Borrower agrees the interest rate payable after a judgment i. entered on the Note or in an action of mortPle foreclosure shall be the rate stated in the Note. bOOK I t :j~ fACE .\2::1 OJ-01-1) Mot'911Q. ,. ''''001204 EXHIBIT A ,. ',. .':: '";, . ..' ~.. ~" ,1f' '~~e;f', .,'" . , .' . t.. ':,t . , ,. .' ,.....;t- ,;J":;';.-HIJ"~1."',: . ':'J.-:.,Jj..~..\;'.~t';1Tj"'. ' " '. 'n,"'~ I ';,', " "H~..-.IJ4f. "<.J#', ", "'1',;, . '_''''''', \i.".l."....Ao . . -"""-'17 ., ~ 1"'1'...' .."'.' .0:-,-".' :.~ ,~.~... :..'... ~ 7'.'.",1..~.tU.~:" _.'.1 i.:.r,~'."":'i:.i . I-:-:,....~ ;';'.."Ct'\.,.., _..I.t",' ',/:.-";11', "'" ~".\".' .i'" ,.,. '1 ",-"'~I ~,.~. I'~ :.& !....~JJ'". ";,;~!~)''5?'iS'fI~:'.1.~I' ~ SS "'\ti;';"',-"~/rU:61/01~'.J .. .. r: I. ,~ . , :.~.~;~~... ;',IW':" fnr the recording Of ;."IUIo' 1\1i:-'::.',; I~,r~ c~~~ " ". ":,Isb' of Off~ ^ ./3l "'lq~~O~ r?- CHI,,, ";"'~~--~R 1dr ~y" buO~ u:;:~ ;~Gt bear 9 (/" .,. REQUEST FOR NOTICE Of DEFAULT AND FORECLOSURE UNDER SUPERIOR MORTGAGES OR DEEDS Of TRUST Ilorrower and Lender request the bolder of any mortcace, deed of trust or otber encumbrance with a lien which hu priority over this Mortcac.to .iv. Notice to Lend.r, at Lcnder'saddrcsasct fonhon pa.e one of this Mortca.e, of any default under th. superior encum branc. and of any sale or mh.r foreclosure action. Wi:~.:rrNr:ss WHEREOI', Ilorrower has executed this MOrlC3Ce, ./1 } -~)n,~ }YI/Yi-Ij)/~. itJ)f}h.e.{ "~'~~~~"M,...~IL-~~4 I 07 . lit t;b./ >/I 70:J-S On beh,lf of the tender. By: o~~.J e, K/ta.ul:2. COMMONWEALTH Of PENNSYLVANIA, CUrl( bula."'; .--, . t/ I, 0 l::uyJ t: {\.IUU.J::, , a NOl'!'}' Public in and for SJid WIt and slIte, do hereby certify that ,. ".'1 Y~"" a". ,-1 Y :dYi "'Ad pelliOnally known to m. to be tho same person(s) wh05C ame(s) Or(! subscribed to the fore.oin. instrument, appeared before m. this dly in person. and acknowled.ethat -L he -I-- acned and delivered tho said illSlrumcnt u .Jon I!,'" frea volunury act, for tb. uses and purposes ther.in set forth.. /3" Janua ~/ .1,9<1, (t(,<l1:-1 . H~t Tille: h County 55: Given under my hand and official seal, this My Commiasion espires: 1,'r. ( r~G1 ;,.:,'::At G;~t,i.. ....' r;O~~irt ~. ,\:; '. "3. ::1tH:' !".;b~!o l1:v.i:.;:.o. :;':';.,. ::'!~ild l;":i"~1 My C,::l:::l ;;.:' ;':"ok:!'! ll-.t., 9, 199~ otory U IC . ..l'<..'i\.l.f., /.. This instrument l.'F.,pr~"ed:e)'} . <;:) .<~\~Q ~It"",, '" \ '/Jr:..." , ("~' :CJ ..~\i aI ~ : (N.lto) , C T '" '1," : ~ "'.if-.. :. - '. '>\... ~.." ! ':. ~ '0;; ~""'.' ..... "~" ."''''::yt...l,\'''~i , ~\o........,~~., (Add,u ,,~ . I" oj , ...., . (Spooo Bolo.. nil Lin. R..."ocl Fo, Land., .nd RICllrd..1 I..) Return To; Household Fimnce Corporation 961 Weil"l Driv. Elmhurst, It 60126 'i:30 'AQOUOS EXHIBIT A IIO.\IE EQLTfY CREDIT Ll:\E REVOLVI:\G LO.\N ,\GREDIE:\T (Page 2 01 5) Available Credit: Yuu mJY obrJln funds Jiret:tly from us or through your :Jpc:t:iJI chct.:k.'i up tn your l\1,1,i!Jble t:redit, Your aVlIl.ble credit IS your credit limit (shown on page one) less the total unpaid balance. including Finan,e Charges. or your A""oun~ II you make loan payments by ch:<;k, we ...ill adjust your available credit seven d.ys alter we receive your check to allow for check Clearing. You agree not to request lunds in an amountthat would QIJSO you to exceed your ,v,i1,ble credi~ II you do $0, we arc not oblig,ted to honor your request, but il we do lend you an amount over your ,v,il,ble credit. you agree to p.y us that excess amount, plus Fin.nce Charges, immediately upon our reques~ Minimum Onw and ealance Requirements: The ma,imum amount that may be withdrawn in ,ny billina: cycle is your IVlllablecredlt. I he mlOlmum credit .dvance by check that you can receive is Sloo. Promise 10 Pay: You promise to pay Household: (a) amounts borrowed under tltis .\greement; (b) Finance Charles. AdminIStrative Charles (the bad check charge), and other chulles provided in this Agreement: (c) credit insurance chuges. if any; (d) oollec:tion costs permitted by applicable law, including reasonable anomeys' lees (il morney ia not our salaried employee) and court costs; (e) amounts in eXcess 01 your credit limit Ihat we may lend you; and (/) amounts that we may (but need not) payor that are otherwise due under your Mortgage or Deed ofTrus~ Payments: You may repay your enlire outstanding balance at any time. You may notusc your special checks to pay any .mounts due under this Agreement. Becausc the Periodic Fin.nce Chuge is oomputed each day. you will contact us regarding the exact payorr .mount for the day you intend to make/ull paymen~ If you do not pay the entire unpaid balance on your Account.t once, you agree to pay at le..t the minimum paymentshown on your monthly statement. Payments will be applied as lollows: First, to any accrued but unpaid Finance Charges: S<cond, to any unpaid Administrative CIIarges provided in this Agreement: Third, to any unpaid credit insurance charges; and Fourth. to the unpaid outstanding balance 0/ your Account (indudinll all other lees or charges you are obligated to pay). Any part of your monthly payment to be applied to amounts borrowed on your Account will be applied to the amounts borrowed under your Home Equity Credit Line Revolving Loan Account in the order in which the amounts were borrowed. Any part of your monthly payment to be applied co Finance Charges will be applied in tho ..mo manner. Your paymOllt must be received by us at the address indicated on tho monthly sutement prior to tho paymont duo date shown on your monthly statemon~ PaymontS n>ceived by us altor I~OO a.m Conll'll Dayliaht Timo or, il your paymen!.S aro rocoived in California. altor 10:00 Lm. Pacific Daylight Timo, will be credited to your Account as 01 tho noxt business day whicb is not a Saturday, Sunday, or Bank Holiday. Tho Minimum Monthly Payment lor any billing cycle will be the greater 01 (I) the greater of S.50 or the Variabl. Payment Amount (as described below), plus any Administrative Charles and credit insurance charges. rounded to the noarest SI. or (2) tho Finance CIIarges due lor tho billina cycle. plus any Administrativo Charge and credit insurance charaes. In each instance. the Minimum Monthly Payment will be adjusted to includo any unpaid amounts due Irom prior billin, cycles. Tho Variable Payment Amount depends on the monthly periodic rate then applicable to your Account, and is calculated as lollows: Monlhly Periodic Rat. through .9)':11 over .93~ through 1.03% over 1.05% through 1.13% over 1.13~ through 1.23% over 1.23% through 1.38% over 1.38% through 1..50% over lJO% through 1.62% over 1.62% Variable Payment Arnount ,9)':11 of Account balancc- 1.03~ 01 Account balanco 1.13~ 0/ Account balanco 1.2.S~ 0/ Account balanco 1.38~ 01 Account balanco 1..50~ 01 Account balance 1,62~ 01 Account balance 1.73% 0/ Account balance Tho term of this Agreement will end 13 yea~ alter the date of this Agreement, at which time you will be required to pay your entire remaining outstanding balance, plus ,II charges and Finanoe CIIarges as provided in this Aareoment. The Minimum Monthly Payment will not/ully repay the principal that is outsllnding under this Agreement at the end of the I 31'ear term. and you will then be required to pay the entire remaining outStandin, balance in a single paymen~ Finance Cbar,c: Finance CIIaraes are tho total of (a) Periodic Finance Charges and (b) the Application Pee Pinance Charge. (a) Periodic Pinanee Char,es: This is the interest charged on th. balance of your Account durina eacb billin, cycl.. The Panodlc bnan"" Charac ~ calculated from tho datO that each advance. ebeck 01' charlie is poIted to your AccounL Th. Periodic Financo Charge is computed by mUltiplying the averalle daily balance in your Account in each billing cycle times the monthly periodic rate, The average daily balance is detormined by totalin,all daily unpaid balances in each billing cycle NOTtC!!: SEE THE FOllOWING PAGES FOR ADDITIONAL PROVISIONS AND IMPORTANT I/IFOR~ATION REGARDING YOUR RIGHTS TO DISPUTE DILLING ERRORS. 01-10-'1 uS "" ',,~ AI "iT MOAT ,....087111 exHIBIT B , . !lOME EQUITY CREDIT LINE REVOL Vt:-:G LOA:-.J .-\GREDIDIT (P.~e J or j) and dividing the tot. I by the number 01 d.ys in th.t cycle (but not 1= th.n 10). .'. d.i/y unp.id bal.nce is the .mount owed ...ch day. e,c1uding any unp.id Periodic Fin.nce Charge, Administrative Ch.rges, and credit insunn"" char~<3 lor prior billing cycles. (b) Applicllion Fee Pinance Chule. This is tho ono.timo applicalion leo Ihat wo charge lor openinlthia Aca:unL Tho ApplicatIOn ho hunce Lhargo IS SUted on pago one and is due and payable on this date. Variable Rate: You agree Ihalthe monthly periodic ralo used in determining YOllr Periodic Finance Chargo will be a vamblo rato which may change Irom monlh to month. The monthly periodic rate will be onC"lwellth or the sum or Iho Prime R.to plus the number or percent. go poinlS.s st.led in tho "Margin. box on pago one. Tho initial monthly periodic rat. on your Account is shown on page on., Tho monthly periodic rat. will not exceed Ih.t permitted by applicablo law. Tho Primo Rat. applicable to any billin, cycle will be tho primo rate published in Iho "Wall Slreel]ournal,. a business n.wspaper, on tho rirsl publication day or tho month in which Iho billinl period belin& Ir a rlngo or rales ia publiahed, we willlllO th. hilh<31 or Iho ral<3 in Ihe nng.. When a chin go in the Prime Rato is published, a chanl. in Ih. monlhly periodic rale will uke .llect on Ihe first day or the billinl cyclo lollowinllho dal. or Iho published wnle. Tho n.w nto willlpply to new loans and charl<3, and 10 th. .xistinl halaneo 01 your AccounL An increase in the Prime Rato mlY incroue tho Annual Pen:enlal. Rile (corresponding to tho monthly periodic rllo) Ind the minimum payment on }'our AccounL II circumSl3nces such .s un.vailabililY or discontinued public.tion ollhe index do nOl permil us to conlinue use 01 this variable rate inde" wo will chango the inde, and margin so th.tthe monthly periodic nto produced by Ihe new inde, and margin is similar 10 the rate in elleel when such circumst.nces occur. Tho ANNUAL PERCENTAGE RATE will not exceed 21 % and \ViII never be less Ih.n 10%. The Annu.1 Percentage R.le will not exceed that permllled by applicable law. The Annual Percenule Rate includes only inter<3t and docs nol include other COlILs. Dad Check Charge. II you pay by a check which ia returned lor .ny ~3S0n, you alreo 10 pay a bad cheek charlO or $20. Olher Chargos: You alree to pay Iny amounlsaClUllly incurred by Household lor services rendered in connection with the Homo I;;qulty Ltcdil Lino Rovolving Loan Account ror tille euminltion, appraisal, tillo insurlneo. r_ and !aiel paid 10 public ollicials in connection wilh recordinl, releasing or salislyinl the Mortg.ge. You alree Ihal these rees may be charled to your Account balance. Changos in Ihis A~reement: W. may chanl.tho terms 01 this Agreement ir you consent or ir such changos benefit you or Ire Inslgm!le.nt. We may change any amounlS th.1 we collccl ror t.xes, property insur.nce, or credit insurance, ir applicable, Prior wrillen notice or chanKClI will be given to you when required by applicablo law. Changcs may apply to bolh neW Ind oUlSlanding balanccs unless prohibited by applic.ble raw. Termination or your credit limit will occur only as provided in the "Derault and Cancellation or Agreement" and "Suspension or Reduction or Credit Privileges. paragnphs. Tu Deduclibility: You should consult a ux Idvisor regardinllhe dcductibililyof interesland chlrg<3 ror Ihe credit line. Delaull Ind Cancellation or Acreement: We have the right 10 terminato your Home EquilY Credit Lino Accounland to ro'jU"O you to pay your en I". ballnce plus all other accrued but unpaid chargCll immediately bcc3uso or: (a) railureto make two or more payments when due under this Agreement; (b) rraud or materi.1 misrepresentation in conneetion with lhe credit line, including railure 10 supply us with any materi.1 inrormation requested or supplying US with misle.ding, r.I50, incomplete or incorrect material inrormation; (c) the rilinl or a bankruplcy petition by or alainst you accompanied by railure to make any parmenl when duo under this Agreement; (d) tho dealh or any borrower who signs this Agreemenl which adversely alreets the properlr or our righlS in tho property sccuringthis Agreement; (c) Ihe institulion or roreelosure proceedings or condemnation proceedings on the property or the institution or a trustor's sale by a lienholder or govcrnment.l50i~ure or Ihe property; m tho sale or transrer or any interest in the property sccurinllhis AKreement, without our consent (unless our consent is nOI required under your Morlgalo or Deed ofTrust); (,) the cre.lion or a lien on the property ir such lien adversely .Heets Ihe property or our rights in the property 5CCUrinlthis Alreement; (h) rlilure to mainuin Ihe property, railure to pay real <3Ute laX<3 on the property. abandonment or Iho property, railure to keep the property insured. or .ny .ction which is. der.ult under your ~lortlageor Deed or Trust which adversely a,reets the property or our righlS in the properly securing this Agreemenl: or NOTlef" SEE THE FOLLOWING PAGES FOR ADDITIONAL PROVISIONS AND IMPORTANT INFORMATION REGARDING YOUR RIGI1TS TO DlSI'UTIl nll.l.ING f:RII.ORS, OJ')O.U us ,. vR FI' 1ST MefH. 'AQt7IU EXHIBIT B 1I0~1E EQUITY CREDIT LINE REVOL VING LOAN AGREEMENT (Pace 4 0/ ,) (i) Iny ocher ;&clion or inaccion you take that adversely afret;t:l the properlY or our rights in the property sc<:uring this ^erecmenL ACter derlult, you will pay our COUrl C:OSLS. reosonable altorney rees (ir Iltorney is nOI our ..Iuied employee). and other collection COILS rellled to the dern,lt. i/ not prohibited by Ipplicablelaw. Any blllnce out:ltandine under this Acreement when the credit limit i. terminlled will continue 10 Iccrue interest It Ihe variable contract rate until paid in rull. or until judemenl i. enlered. SUo! nsion or Reduction 0/ Credit Pri.il. os: We ha.e the rieht to prohibit Idditionllldvlnce:s or elt.nsions 0/ or II In to r. ute t e cre II Imll Ipp lea e to I is Aer.ement ir: (I) the amounlof your unused equilY (II the timelhe credit IoU eronl.d or 1..1 renew.d) in the property securine this Aereemenl h.. decreued by ~ or more, based on I dec:rlll5O in Ihelpprlisal '11ue rrom tholimu the credit "1.5 cranled or 11.51 renewed; (b) "e reasonlbly belie.. that you "ill be unlbleto rulfilllhe rep"yment obli,ltioM under thi. Acreemenl because of a malerial chance in your rinaneial circum.tances (includine the filine oIa blnkruptcy petition); (c) you are in de/lull 0/ any o/!be malerilllerms or conditions 0/ this A,n:cmenl, includin, rrequenl o.erdra"al. 0/ your line 0/ credil or rlilure to use or Ol:CUpy real eslate security 1.5 your primary residence: (d) Iny co.ernmenlallc:tion OCCIIrs that prevenLS us from chareine the InnUlI percentace rate provhJed ror in this Aerecmenl or Ihllldversely IffeeLS our riehLS in Ihe properly sccurinlthill Aereement such thatlh. vllue 0/ our security interest in Ih. property i. less than 120% or your credit limit; (e) Iny reeulalory "Iency hu notilied us thlt continued Idvlnces would constilutean unsll. and unsound practice; (f) Ihe maximum InnuII perCenllee me i. in e((eel: (C) Iny borrower who siens this Aereement requests us to prohibil additional advances or to reduce the credillimit; or (h) Iny 0/ lho .venLS listed under "Delaultlnd uncellation 0/ Aercement" occurs. Notice will be eiven 10 you 1.5 required by Ipplicablelaw. Mdccll.neous: (f Iny provi.ion 0/ this A,reoment i. finllly determined 10 be void or unenforceable under Iny law. rulo, or recullllon, III other provisioM 01 this Aareement"i11 romlin vllid and enlorceable. Our lailure to en/orce any letm. of Ihis Acreement shall not be deemed 10 constitut. I wliver 0/ such t.rms. In ord.r lor Iny Imendment to this Aereementto be vllid. it must be in writinl. YOUR BILLING RIGHTS KEEP THIS NOTICE FOR FUTURE USE This notice conLlilll imporLlnt in/ol'lmtion lbout your riehLS and Household's respon.ibililies und.r lh. Flir Credit Billinl Act. Notify HOUo!.hold In Cue 0/ Erron or Questions About Your Bill (f you think your bill is wrone. or i/1'lu need moro inrormltion about I transaction on your bill, write Household on a ~Inte sheet It tho address listed on 1'lur billlrter tho words: "Send your billinl error notice to: (Household'. nlmo Ind address)." W rito to Household 1.5 SOOIIIS possible. Household must hear rrom you no liter Ihln 60 clay. alter Household sent you tho first bill on which tho error or problem appeared. You can lerephone Household, but doine so wiU not preserve your rights. In your I.ller, eivo Household the/oIlowine in/ormltion: . Your namo and Account number. . The dollar amount a/tho suspected error. . Describe Ihe error and explain. i/ you can. "hy you believo thero is an error. 1/ you need mar. in/ormalion. describe the item you are not sure abouL Your Riehls and 1I0usehold's Responsibiliti....ut.r 1I0us.hold Receiv.. Your Written Notic. Household must ICknowled.. your leuer within 30 clays. unless Household hu corrected the error by then. Within 90 days. Household musl either corrCCllhe error or explain why Household believes tho bill was correct. AClet Household receives your letlet. Household cannottty Eo collect Iny Imount you question. or report you IS delinquenL Htlusehold can conlinue to bill you lor th. amount you question, includine !inallCll charees. and Household tan Ipply Iny unpaid amountlglinst your creditlimiL You do not hIVe Eo pay Iny questionedlmount while Household ill inveslieatin.. but you Ire still obliellcd to pay t~o parts of your bill thlt are not in question. NonC!;, SEE nIE FOLLOWING PAGIl FOR ADDmONAL PROVISIONS AND IMPORTANT INFORMATION REGARDING YOUR RIGHTS TO DISPUTl! BILLING ERRORS, QJ'JO-!U WS '4 V" Rt I$T MOAr '40111"" EXHIBIT B HOME EQUrry CREDIT LINE REVOL VING LOAN AGREEMENT (Pace S of S) II Household finds that Housohold made a mistalee on your bill, you will not have to pay any finance charces relaled to any questioned amount. II Household did not malcc a mistalee, you may hAYO to pay finance chArCes. and you ..ill have to maleo up any miS1Cd payment:l on the questioned amounL In either caso, Household ..ill send you a statement of lho amount you 0'00 and tho <hto that it is due. If you fail to pay tho amount lhat Household thinks you owe, HOlJlChold may report you as delinquent. Howev.r, if Household'. uplanation docs not satisfy you and you writo to Household within ten <hy. tellinc Household that you still r.fuse to pay, Household must tell anyone HOUSllhold roport:l you to that you havo a question about your bill. And, Household must tell you tho namo of anyono Household reported you to. Household must tell anyono Household reports you to that tho matter has been settled between us when it finally is. II Household doesn't follow th... rules. Household can't collect the first ~ of tho qUClltioned amount, even if your bill WIS correct. Beforo sicninc this Acreomenl, you have read and received Ibis Aercomenl and lhe Federal Truth-In-Londine disclosures contained in it. You. lhe cUSlomer(s) sicnine below, aerecto observe the lerms and condiliollJ of this Acrecment. This A.rcement is .ovemed by the provisiollJ and .pplicable Pederall.., he )lill h[J},pl1o.J .'ALI Customer Si~ro o.~ '/!/l{el (SEAL) .~tl. f: ;;;;a~ Oato: )/ ,1:1e !/.IJ (SEAL) Wimaa: 'AQI7I1'5 Q3.JO'12 us ,. "" fill 1$T MQRT, EXHIBIT B TAKE ACTION TO SAVE YOUR HOME PROM fORECLOSURE The Commonwealth of Pennsylvania's Homeowner's Emergency Mortgage Assistanc~ Program may be able to help you. Read the following notice to find out how the program works. La notificacion en adjunto es de auma importancia, pues afecta sue derecho a continuar viviendo en au casa. Si no comprende el contenido de est.a notificacion obtenga una traduccion immediatemente llamanda est a agencia (Pennsylvania Housing Finance Agency) sin cargos al numero mencionado arriba. Puedes ser elegible para un prestamo por el programa llamando "Homeowner's Emergency Mortgage Assistance Program" el cual puede salvar su casa de la perdida del derecho a redimir su hipoteca. IMPORTANT, nOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MkKE FUTURE MORTGAGE PAYMENTS CUstomer(s): James Barry Morehead Creditor: HOUSEHOLD REALTY and Heni-Iris Mor.ehead 425 Pawnee CORPORATION Dr., Mechanicsburg, PA 17055; 2206 Phone: (800)333-5848 Ext.7946 Swatara St. Harrisburg, PA 17104 Address, 961 Weigel Dr.,P.O. Account Number: 713303-10-888669 Box 8632,Elmhurst,IL 60126 Date of Loan: 01/13/94 Date of Notice: November 30, 1995 Your mortqaqe is in serious default because you have failed to pay promptly inst.allments of principal and interest, as required, for a period of at least sixty (60) days. The total amount of the delinquency is $2,321.35. That sum includes the following: $135.35 for the month of September and $1,093.00 each for the months of October and November of 1995 inclusive. You may be eliqible for financial assistance that will orevent foreclosure on your mortgage if you comply with the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Act"). You may be eligible for emergency temporary assistance if your default has been caused by circumstances beyond your control, and if you meet the eligibility requirement.s of the Act as determined by the Pennsylvania Housing Finance Agency. ~ase read all of this Notice. It contains an explanation of vour riqhts. Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you have the right to arrange a "face-to-face" meeting with a representative of this lender, or with a designated consumer credit counseling agency. The purpose of that meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency. That meetinq must occur in the next thirty (30) davs. If you attend a face-to-face meeting with this lender, or with a consumer credit counseling agency identified in this notice, no further proceeding in mortgage foreclosure may take place for thirty (30) days after the date of that meeting. The name, address and telephone number of our representative is, Shirelle Chew, Household Realty Corporation, 961 Weigel Dr., P.O. Box 8632, Elmhurst, Il. 60126, 1-800-333-5848 Ext 7946. EXHIBIT 0 . The names and addresses of designated consumer credit counseling agenies are attached. It is only necessary to schedule one face-to-face meeting. You should advise this lender immediately of your intentions. If you have tried and are unable to resolve this problem at or after your face-to-face meeting, you have the right to apply for financial assistance from the Homeowners' Emergency Mortgage Assistance Fund. In order to do this, you must fill out, sign, and file a completed Homeowners' Emergency Assistance Application with the Pennsylvania Housing Finance Agency. The consumer credit counseling agency will assist you in filling out your application. It must be filed or oostmarked within thirty ()O) days of your face-to-face meetina, It is extremely imoortant that you file your aoolication oromotlv. If yOU do not do so. or if yOU do not follow the other time ceriods set forth in this letter. foreclosure maY oroceed aaainst your home immediatelv, Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. It is extremely imoortant that your aoolication is accurate and comolete in everY resoect, The counseling agency will help you to fill out the application. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that additional time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by that Agency of its decision on your application. The Pennsylvania Housing Finance Agency is located at 2101 North Front Street, P.O. Box 8029, Harrisburg, PA 17105. Telephone No. (717)780-3800 or 1-800-342-2397 (toll free number) . You must either mail your application to the Pennsylvania Housing Finance Agency, or you must file it at the office of one of the designated consumer credit counseling agencies listed above. An application for assistance may be obtained from this lender, from a consumer credit counseling agency, or directly from the Pennsylvania Housing Finance Agency. Enclosed also is another notice from this lender under Act 6 of 1974. That notice is called a "Notice of Intention to Foreclose Mortgage". You must read both notices, since they both explain right:s t:hat: you now have under Pennsylvania law. However, if you choose to exercise your rights described in this not:ice, we cannot foreclose upon you during that: time.Also, if you receive financial assistance from the Pennsylvan a Housing Finance Agency, your home cannot: be foreclosed upon while you are ceiving that: assistance. By: James Ashton Greene, Esq. 539 Court Street: Reading, Pa. 19601 (610) 374-3148 FOR: REAL70RPORATION ene, Esquire James As t EXHIBIT 0 . , CUMBERLAND COUNTY CONSUMER CREDIT COUNSELING SERVICE OF WESTERN PA~ INC. 2000 Linglestown Road Harrisburg, PA 17102 (717) 541-1757 FINANCIAL SERVICES UNLIMITED 117 West 3rd Street Waynesboro, PA 17268 (717) 762-3285 Natalie Newcomer URBAN LEAGUE OF METROPOLITAN HARRISBURG 25 N, 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 NOTE: Unless you notify this office within thirty (30) days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume that the debt is valid. If you notify this office in writing within thirty (30) days from receiving this notice, this office will: obtain verification of the debt or obtain a copy of judgment and mail you a copy of such judgment or verification. You are also advised that any information which you supply to this office may be used by us in the collection of the debt. If you request this office in writing within thirty (30) days after receiving, this office will provide you with the name and address of the original creditor, e.~HlaIT 0 . NOTICE OF INTENTION TO FORECLOSE MORTGAGE Customer(s): James Barry Morehead Creditor: HOUSEHOLD REALTY and Heni-Iris Morehead .25 Pawnee CORPORATION Dr., Mechanicsburg, PA 17055; 2206 Phone: (800) 333 -5848 Ext. 7946 Swatara St. Harrisburg, PA 17104 Address: 961 Weigel Dr"P.O. Account Number: 713303-10-888669 Box 8632,Elmhurst,IL 60126 Date of Loan: 01/13/94 Date of Notice: November 30, 1995 The MORTGAGE held by Household Realty Corporation, d/b/a Household Finance Consumer Discount Company (hereinafter called we, us or ours) on your property located at 425 Pawnee Dr., Mechanicsburg, Pennsylvania, IS IN SERIOUS DEFAULT because you have not made the monthly payment of $13;.35 for the month of September and $1,093.00 each for the months of October and November of 1995 inclusive. Late charges (and other charges) have also accrued to this date in the amount of Snone. The total amount now required to cure this default, or in other words, get caught up in your payments, as of the date of this letter is $2,321.35. You may cure this default within THIRTY (30) days of the date of this letter, by paying to us the above amount PLUS any additional monthly payments and late charges which may fall due during this period. Such payment must be made either by cash, cashier's check, certified check or money order, and made at 961 Weigel Drive, P.O. Box 8632, Elmhurst, Il, 60126. Payment may be made by mail, but must be received in our office by the time specified by this notice. If YOU do not cure the default within THIRTY (30) DAYS. we intend to exercise our riaht to accelerate the mortqaqe cavments. This means that whatever is owing on ~he original amount borrowed will be considered due immediately and you may lose the chance to payoff the original mortgage in monthly installments. If full payment of the amount of default is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to foreclose Your mortqaaed crocertv. If the mortaaae is foreclosed your mortaaaed crocertv will be sold bv the Sheriff to cay off the mortaaae debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even if they are over $50.00. Any attorney's fees will be added to whatever you owe us, which may also include our reasonable costs. If vou cure the default within the thirty day ceriod. vou will not be reauired to cay attornev' s fees. 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 still have the riaht to cure the default and crev~nt the sale at any time uc to one hour before the Sherif:'s foreclosure sale. You may do so bv cavina the total amount of the uncaid monthly cavments clus any late or other charaes then due. as well as the reasonable attorney's fees and costs connected with the foreclosure sale (and cerform any other reauirements under the mortaaae) , It is estimated that the earliest date that such a Sheriff's Sale could be held would be approximately six (6) months from today. A notice of the date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling us at the following number: (800) 333-5848 Ext 7946. This 9HBfE . payment must ce in cash, cashier's check, certified check or money order and made payable to us at the address stated above. You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff's Sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OSTAIN MONEY TO PAY OFF THE MORTGAGE DEST, OR TO SORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEST. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A StTfER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEST, 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 ONDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. YOU HAW THE RIGHT TO HAVE THIS DEFAULT CURED SY ANY THIRD PARTY ACTING ON YOUR BEHALF. I f YOU cure the default. the mortaaae will be restored to the same oasition as if no default had occurred. 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COUM' ~Cl' PDnIIrn.YAIIl4 ~ CERTIFIED ";'2i?~ ,j;~ , : -,~.:'~ . . ,~"J :/rl .-....:~;.~ '~" ... '-,''', I', ' -\ ) Z 134 "bC %5 MAIL \~.~ ....'..: ,~.~:,:.: '.. " ~ : ,-.' , ':',";".,:' < ....~.t. . ~: .:"1 ;~. '~'.' .... .........; ~,~~euR~'~~ ITO '.-' '.'1 \'. ,t'o lifF'IJSfD UNCLA'MEf '~: ... ,'.. ~; ~ ,~-,;:., ~', 'i':,', :~.:.;, ': " . .' ~ .. -, '. ;~~.. .. ':'. Heni-tri. Moreh..d U5 Pawn.e Drive Mechanic.burg. "::', ". '.;j.. ",. .~ .j. ~7 , \ .-'.. , ~,:\)r ~/,:~:,._. .. ,.,..',., ' ". '4.. ~;; ~<: ~ _:~':-~.;. I.:', fold .I' IInQ onf lop bl envetope 10 Ih. ut]ht of ~h. ,.Iurn add,."" I .. :'i , . .: ~.~~ .;'::;j', ..'!.'. {ofl ',,~' t.p.;\ :Sf~rl~' '. " ;~_:~, ".' .'._,~, ' 1-~~1~li "',J' '~-:,'~',I ; .. . " I ,I ) '--' '.io.::,. :,:.!".. ::L..~;, ..-.->C.C _ ASHTON GIU:ENIC ... C~ .TIIICe? P.,.,..."V....I... taw, , ., CERTIFIED, ., .-.....,', ,~ " I' ~ _' '.. ~:';::.,' Z 134 2bC ~b4 ~P".I"!lIJl''' ., ,. ~ .' '.' ',' .~j,~~"',,'~ ~l.~,.:i.;,: .l~r ,,~ ... ' ".r~' \&~~ =qREFIJSED ".~1 ...:::-,:,' '-, . t'.::~>,:' ~!:-~'.\ .' Re.ident (Morehe.d) 425 Pawnell Orive Mechanic'burg, PA, " .. .:':.- I"~ ". .- " .. '. . r..;' -~~ ~" ,:_, ...~,,_.~4..._'.~,.~,,'.. :',';'1.;.~ ....~;...Y.*1a... .-- - .-..- ,,-- I!JMrnT E . . . VERIFICATION I, Rioh M. Carlson, verify that I am authorized to execute this verification on behalf of Household Realty Corporation and that the facts set forth in the foregoing Compl.r.int are true, correct and complete, to the best of my knowledge, information and belief. I make this verification subject to the penalties of 18 Pa.C.S.A, Section 4904 which imposes crim.tnal penalties for unsworn falsifications to authorities. Dated: j;'.Lll-/.U.O~f 1'1) I CfC((o /",/ ( \