J-A03017-15


NON-PRECEDENTIAL DECISION - SEE SUPERIOR COURT I.O.P. 65.37

FAIRWAY CONSUMER DISCOUNT                          IN THE SUPERIOR COURT OF
COMPANY                                                  PENNSYLVANIA

                            Appellee

                       v.

CHARLES LASKOWSKI AND KAREN
LASKOWSKI

                            Appellants                 No. 971 MDA 2014


                       Appeal from the Order May 6, 2014
                In the Court of Common Pleas of Luzerne County
                        Civil Division at No: 2012-01784


BEFORE: MUNDY, STABILE, and FITZGERALD,* JJ.

MEMORANDUM BY STABILE, J.:                               FILED MAY 27, 2015

        Appellants, Charles and Karen Laskowski, pro se, appeal from the May

6, 2014 order granting the motion for reconsideration of Appellee, Fairway

Consumer Discount Company (“Fairway”). The May 6, 2014 order effectively

reinstated the judgment in foreclosure in favor of Fairway and vacated the

order setting aside a sheriff’s sale. We affirm.




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*
    Former Justice specially assigned to the Superior Court.
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       The sole issue on appeal1 is the validity of Fairway’s Act 62 notice.

Fairway sent the notice to Appellants at the address of the mortgaged

property, 71 George Street, Plymouth Township, Pennsylvania 18634.

Appellants allege their legal address is 71 George Street, Nanticoke,

Pennsylvania 18634.         At a hearing on this issue, a local postal worker

testified that mail would arrive at the same location with either address.

Appellants nonetheless argue the Act 6 notice is defective and that they

never received it.

       Fairway commenced this mortgage foreclosure action on February 15,

2012 and obtained a default judgment on April 4, 2012. A sheriff’s sale was

scheduled for August 10, 2012 but postponed on several occasions due to

Appellants’ bankruptcy action and various petitions to stay the sale or strike

the judgment in foreclosure. The sheriff’s sale finally took place on October

4, 2013, and Fairway was the successful bidder.        On October 18, 2013,

Appellants filed a petition to set aside the Sheriff’s sale and vacate the

judgment in foreclosure. The trial court heard oral argument on that motion

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1
    Appellants include several other issues in their statement of questions
presented, but none of those were raised before the trial court or preserved
in their concise statement of matters complained of on appeal. As such, the
remaining issues are waived. Pa.R.A.P. 302(a), 1925(b)(4)(vii).
2
   41 P.S. § 403 (commonly known as Act 6) requires a lender to provide
notice to a borrower of the lender’s intent to foreclose on a mortgage. 41
P.S. § 403.




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on December 23, 20133 and granted the motion on December 27, 2013.

Fairway filed a motion for reconsideration on January 23, 2014, which the

trial court granted the same day. At an April 3, 2014 hearing on the motion

for reconsideration, Fairway presented the testimony of a local postal

employee.     No other witnesses testified.      On May 6, 2014, the trial court

entered the order on appeal, which vacated the December 27, 2013 order.

In effect, the order on appeal reinstated the judgment in foreclosure and

denied Appellants relief on their petition to set aside the sheriff’s sale.4

Appellants filed this timely appeal.

       “Equitable considerations govern the trial court’s decision to set aside

a sheriff’s sale.”    Bank of Am., N.A. v. Estate of Hood, 47 A.3d 1208,

1211 (Pa. Super. 2012), appeal denied, 60 A.3d 534. “This Court will not

reverse the trial court’s decision absent an abuse of discretion.” Id.


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3
  The certified record does not include a transcript of the December 23,
2013 hearing.
4
   Since the order on appeal effectively denies relief on Appellants’ motion to
set aside a sheriff’s sale, it is an appealable order. Farmers First Bank v.
Wagner, 687 A.2d 390, 392 n.3 (Pa. Super. 1997). We further observe
that Appellants’ June 6, 2014 notice of appeal is one day late. See Pa.R.A.P.
903(a) (appeal must be filed within 30 days of the order from which the
appeal is taken). In this case, the docket fails to reflect that notice of entry
of the order has been provided to the parties, in accordance with Pa.R.C.P.
No. 236. Given the absence in the docket of the Rule 236 notice, we will not
quash this appeal as untimely. Vertical Res., Inc. v. Bramlett, 837 A.2d
1193, 1199 (Pa. Super. 2003).




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            As a general rule, the burden of proving circumstances
      warranting the exercise of the court’s equitable powers is on the
      applicant, and the application to set aside a sheriff’s sale may be
      refused because of the insufficiency of proof to support the
      material allegations of the application, which are generally
      required to be established by clear evidence.

Id.

      Appellants argue the trial court lacked subject matter jurisdiction over

this foreclosure action because Fairway failed to comply § 403. That section

provides in pertinent part:

            (a) Before any residential mortgage lender may
      accelerate the maturity of any residential mortgage obligation,
      commence any legal action including mortgage foreclosure to
      recover under such obligation, or take possession of any security
      of the residential mortgage debtor for such residential mortgage
      obligation, such person shall give the residential mortgage
      debtor notice of such intention at least thirty days in advance as
      provided in this section.

            (b) Notice of intention to take action as specified in
      subsection (a) of this section shall be in writing, sent to the
      residential mortgage debtor by registered or certified mail at his
      last known address and, if different, at the residence which is
      the subject of the residential mortgage.

41 P.S. § 403(a), (b) (emphasis added).

      Appellants’ cite Marra v. Stocker, 615 A.2d 326 (Pa. 1992), as

authority that a defective Act 6 notice deprives the trial court of subject

matter jurisdiction over a foreclosure action. The Marra Court held that a

sheriff’s sale should be set aside where the owners of record, who purchased

the subject property at a tax upset sale, did not receive notice of the

foreclosure action from the mortgagee bank.        Id. at 327.     The Marra



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majority decided the appeal under the equitable principles cited above, and

did not expressly treat an Act 6 notice as a jurisdictional prerequisite to a

foreclosure action. The dissent noted that no Pennsylvania appellate court

had treated Act 6 as such. Id. at 331 n.4 (Zappala, J., dissenting).

        Fairway relies on Beneficial Consumer Discount Co. v. Vukman,

77 A.3d 547 (Pa. 2013), as persuasive authority that a defective Act 6 notice

does not implicate the trial court’s subject matter jurisdiction. The Vukman

Court held that a technical deficiency in an Act 91 notice 5 did not deprive the

courts of subject matter jurisdiction over a mortgage foreclosure action. Id.

at    553   (“The   [foreclosure]     action   does   not   include   the   procedural

requirements of acting on that cause. Appellee’s overarching assertion that

Act 91 imposes jurisdictional prerequisites on mortgage foreclosure actions

is not supportable.”).      Fairway asserts the same result should obtain with

regard to Act 6. Fairway also notes that Appellants have raised the issue on

appeal unsuccessfully on several earlier occasions during this foreclosure

proceeding.      Fairway therefore asserts that the earlier, unappealed trial

court rulings constitute law of the case.

        We need not address whether subject matter jurisdiction and/or law of

the case provide valid alternate bases upon which to affirm the trial court.

The trial court found Fairway complied with Act 6, and we believe the record

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5
     See 35 P.S. §§ 1680.401c et seq.



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conclusively establishes that finding was correct.    At the April 3, 2014

hearing, Fairway introduced the testimony of Eric Wanyo (“Wanyo”), a

United States Postal Service employee serving as the supervisor of customer

service for Nanticoke, Pennsylvania, 18634.     N.T. Hearing, 4/3/14, at 4.

Wanyo testified that a letter addressed to 71 George Street in ZIP code

18634 would go to the same house regardless of whether the municipality

was designated as Plymouth Township, Nanticoke, or West Nanticoke.        Id.

at 4-5.

      Additionally, at the April 3 hearing, counsel for Fairway introduced

requests for admissions that had been served on Appellants.       Appellants’

counsel consented to the admission into evidence of that document, and

stated, “For purposes of this hearing, we agree with the admissions.” Id. at

3. Among those admissions was that Appellants last known address was the

71 George Street property (hereinafter the “Mortgaged Property”). Plaintiff’s

First Request for Admissions, 4/2/14, at ¶ 2. Appellants also admitted that

mail addressed to 71 George Street in Nanticoke, West Nanticoke, or

Plymouth Township would be delivered to the Mortgaged Property.        Id. at

¶¶ 12-14. Certified mail receipts indicate that a postal employee attempted

to deliver the Act 6 notice to Appellants at the Mortgaged Property and left

notice of the attempt at the Mortgaged Property.     Id. at ¶¶ 8-9.   Fairway

also sent the Act 6 notice by first class mail to the Mortgaged Property and

that mail was not returned to Fairway.       Id. at ¶ 10.    Appellants also


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admitted the Luzerne County sheriff served the complaint in foreclosure,

notice of intent to take default judgment and notice of entry of default

judgment on Appellants at the Mortgaged Property. Id. at 19-20.

       Given all of the foregoing, the record establishes that Fairway complied

with the letter of § 403(b) by sending notice of the foreclosure action to

Appellants by certified mail at their last known address.6       We therefore

affirm the trial court’s order.

       Order affirmed.

Judgment Entered.




Joseph D. Seletyn, Esq.
Prothonotary



Date: 5/27/2015




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6
  Given the circumstances of this case, we believe a statutory construction
analysis of § 403 is unnecessary.



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