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Home My WebLink About96-04741 G. Th. following amounts ~re due on the mortgage I Principal BftlGnoe Intlllust 11/1/D~ through 7/1/96 (Per Diem $20. DO) ^ttornllY I s ~'el)lI cumulative La\:? chnrqoll 10/14/94 to 7/1/D~ Cost of Suit and Titls Searuh subt:.ota 1 $82,461. 21 5, o Ill) , 04 4, L 23.00 23L . 00 !}!}O rllO D2,464.2~ EsoroW crsdit Defioit: sul:ltotal 0.00 .IW..ll 0,00 TOTI\L $U,4lI4.25 7. This notion does not com~ under Aut 6 of 1974 because the original mortgage amount excseds $BO,OOO.OO. B. The Temporary stoy all prov idllld by the lIomeowner 's Emergenoy Mortg~ge ASllistnnue Program, Act 91 of lDB3, has terminated because Defendnnt(o) have flliled to meet with the Plaintiff or an authorized credit counseling Aqency in accordance with Plointift'$ written Notice to Pefendants, a true and oorrect oopy of which is attached hereto os Exhibit "0". 9. Pursuant to the Fair llebt collection Practices Act, 15 U.S.c. S 1692 et seq. (1977), Defendant(s) may dispute the validity of the debt or IIny portion thereof. If Pefondant(s) do so in writing within thirty PO) days of receipt of this pleading, Counsel for plaintiff will obtain and provide Dofendont(s) with written verifioation thereof I otherwise, the debt will be assumed to be val id. LiI~ewiae, if requeated with in thirty (30) days of receipt of this pleading, Counsel for Plaintltf will send Defendnnt(s) the name and address of the original creditor if different from above. WHEREFORE, PLAINTIFF demands JUdqment against the Defendant(s) in the sum of $92,464.26, together with interest from 7/1/915 at the rate of $20.90 per diem to the date of Judgment, ond other costll and oharges oollectible under the mortgage and for the foreolosure and sale of the mortgaged property. "J- J J.-~" ~ Ufo "7~ 7- --- -1.sl Frank Federman FRANI< FEDERMAN, ESQUIRE Attorney for Plnintitt 'J.<II."nl.N.n 1.4101UIH'" r ,1I11.n UAllot.n H. U".AH~' ,IlAH, ..Ilnuv' 'Ill" C, ,'UP 1lI"t,,", ., woonllll. I....W. ,UIPA' 1'1UI<<.'II' IIAUJl<4N' DAHilL Il ...,INI'll IlIUN4I 4. ,...,.. IllllNAI N, ,.nUNAH' NIOI'U "', U4D'Il.D .OUMAJIJI D1.uu.wn- I)AMP.!.JJI OJC ""'WI>' '.I/,.,,,.,,n IN'~ .4Nf1 HI - HJW /JIG" IiAIIAl1I'" 'A1ITM~ "m.aIHlmAtcJa _AUl . ll<>lIl"''" June 6, 1996 I I-W oM'url 17lWI!ItMMI AND PHl:!LAN, P,C. .un,1<>> ,..,1l1"HtI omit '1....'.... filii 41111.'"1.4< fA IIIPH '" IJI """. tlNl ,,,.,11I1161.11I' II'IJC1l"'''' ,"" ",."" lOllI, 'lM'ltlI II' IllllIrn 1I11U1.0II Iilnl4".I 1M' 11111"1"'" HI'" "....v PlnCl IUIl1lIOl IllmV GmCIIl'UlA III 114111lllH ,V,JI\Jl ",'m4QI/T, H.'" ,...., 011" Il'UCllI't.., '1OI1111'~ nlll /I1111a I.IIINT ro VI)lj IH.. Am"", m COWCT nIlIl/OllIlUlNU' ""'UO III IIUUHAJ'PAHY_,nl)/jllll1I.1HJOI'1lOll YOU WlU. .. Villi ,Il, Ill" 'V.fClI. Kathleen M. Albriqht 4170 Kittatinny Drive Mechaniosburq, PA l7055 Re I Premises I Loan No.1 4170 Kittatinny Or., Meohanicsburq, PA 17055 2397842 NOTICE OP IN'l'I!lNTION TO FORI!lCl,QSE We represent Aooubuno Mortgage corporation, the holder of the Mortqaqe on the above-referenced premisell, who hereby advisell thl1t it will accelerate your Mortqage (demand payment in fUll) and pursue the for-eclosure remedies permitted by the mortqaq$ unlesll your loan delinquenciell are cured as provided below. THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE 15 SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRFD TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. You may dispute the validity of the debt or any portion thereof. If you do 110 in writing wi thin thirty (30) days of receipt of this letter, this firm will obtain and provide you with written verification thereof! otherwise, the debt will be assumed to be valid. Likewise, you may request the name and address of the original creditor if different from above. The total delinquency, inclUding late and other charges is $6,649.34 for the months of 12/1/95 through 6/1/96. Vour failure to pay the delinquent amount, plus any additional monthly payment and late and other charges (inCluding any accrued interest) that may come due within the next thirty (30) days, will result in the acoeleration of all sums due under your MortgAge. After acceleration occurs, a foreclosure action or any other remedy permitted by your mortgage may be instituted. EXHIBIT nAil ACT 91 HOTIJl! TAKB "C'rION '1'0 SAVm YOI.l1t HOM2 'ItOM FORSOLOSI1M TIlIS FIltH IS ^ Df:B'l' COLLECTOH A'rTEMP'rING TO COLLECT A DEBT. THIS NO'rICE IS SEI'I'l' '1'0 YOU IN AN AT'l'EMP'l' ~'O COLLECl'l' THE INOEBnDNJl:SS REFERRED TO HEREIN AND ANY INFORI4ATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. The Commollwealth of Pennsylvania/II HomGowner'1I Emergenoy Mortgage Assistance pro'ijl:aln may be able to help you. Read the folloWing notice to find out how the progrllm workm. If you need more information oall the Pennllylvllnia Housing Finance Aqency at 1(BOO) 342-2397. La notificaoion en Ildjunto es de suma importllncia, puss afeota aU derucho a contlnuar viviendo sn au cllsa. s1 no comprende el contenido de dsta notifioacion obtungn una traduooion immediatamente llamanda esta Bgenoia (Pennllylvania Housing Finance Aqency) ai.n oargos al numero mencionodo IIrriba. Puedes lIer elegible para un prestalno por el programa llamlldo "Homeowner's Emergency Mortgage Ass istance pro'jlram" el cUIII. puede salvar IIU oasa de la perdida del derecho a redlmir IIU hipoteca. AC'1' 91 NO'rICE IMPORTAN'l'1 NOTICB Of HO/mOWNERB' EMEROENCY MORTGAGE ASSISTANCE PROOIlAM PLEASE READ '1'HIS NOnCE. YOU HAY BE ELIGIBLE FOR FIHAHCIAL ASSIs'rANCE IfflICH CAlf SAVE YOUR HOKE FROM FORECLOSURE AND HELP yOU HAl(E FUTURE MORTGAGE PAYMBlfl'S Datel June 6, 1996 REl Account No. 2397842 Premises I 4170 Kittatinny Dr., Mechaniosburg, PA 1?0~~ TOt I<athleen M. Albright 4170 Kittatinny Drive Mechanicsburg, PA 17055 FROMt Accubano Mortgage Corporation You may be eligible for financial assistance that will prevent foreclosure on your mortgage if you comply with the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Aot"). You may be eligible for emergency temporary assistance if your default has been caused by circumstances beyond your control, you have a reasonable prospect of resuming your mortgage payments. and if you meet other eligibility requirements established by the Pennsylvania Housing Finance Agenoy. Please read all of this Notioe. It oontains an explanation of your rights. eXHIBIT "8" Under the Act, you are entitled to n tempora~y stay of foreolosure on your mortgQqe tor thirty (30) days from the date of this Notioe. Ouring that time you must a~r~nqe and attend a "faoe~to-face" meeting with a reprellentative or thll1 lender, or with ft designated oonsumer credit oounllelinq agency, The purpose of this meeting is to attempt to work out 8 ropayment plan, or to otherwise settle your delinquency. This meeting must ooour in the next (30) days. If you attend a ~noe~to-race meeting with this lender, or with a oonsumer credit counlleling agency idontified in this notice, no further proceodinq in mortgage fo~eolosure may take place for thirty (JO) days afte~ the date or this meetinq. The name, address and telephone number of ou~ rep~esentative isl PBDJ!lRHAH AND PHBLAN, SUI'l'B 900, 'l'WO PBIfH CEH'l'ER PLAZA, PHlLAOELPIlI^, 13A 19102, Telephone Numbe~l (2Ui) 15113-7000. The namos and address of designated ccnsume~ credit oounseling agencies are shown on the attached shoet. It is only neoessary to schedule one faco-to~face meeting. You should adville this lende~ immediately of your intentions. Your mortgage ill in default beoause you failed to pay promptly inllt<illments of pr inc ipal and intel.'eat, as ~equi~ed, for a period of at least sixty (60) days. The total amount of the delinquency is $6,649.34. That sum inoludes the followingl Total of monthly payments from l2/1/95 to 6/1/96including all accrued late charges, if anYI $6,6l3.34 P~operty inspections and NSF chock oharges, if any I 36.00 Othe~ ohar.ges accrued, if anYI ~ LESSI Suspense (unapplied funds)l TOTAL AMOUNT OF DELINQUENCY I ...0.00 $6,649.34 Your mortgage is alllo in default for the following reasonlll MIA. If you have tried and a~e unable to rellolve this problem at or after your face-to~face meeting, you hove the right to apply for financial allsistance from the Homeowners' Emergenoy Mortgage Asnilltance Fund. In order to do this, you must fill out, sign and file a completed Homeowners' Emergency Assistance Application with one of the designated oonsumer credit counseling agencies listed on the attachment. An application for assilltanoe may only be obtained from a consumer credit oounseling agency. The consumer credlt oounaeling agenoy will assist you in filling out your appliootion and wi~l submit your completed application to EXHIBIT '8" the Pennsylvania Houllinq Finance Agenoy. Your applloaticln must be filed or postmarked, within thirty (30) days of your taoe-to- r.ltae meeH nq . It I~ ;l1lYm,I,I' Im(Hlr",,,, ,lid I YOII/I/; >'I/If ~1',,11"""'lIIl'm""I/~\" 1{,1I1I' o1lJ 11,1/ oJo ~'/, .Ir 'f>"'" ,I" II'"~ {"I/IIW II,~ 1/111" """ "tnlloJ~ M /;ml, III 11m' 1m", /i","'lmu/''' ""'Y 1''''l'ml "NIII,,~" >'/'" hlllll' ,,",,,,011111"1,\', Available funds tor emergency mortqaqe aasistance are very limited. They will be disburlled by the Aqaney under the eliqibility criteria established by the Act. It is e~tremelY important that your spplioation is aocurate and aompl.ta in every respeot. The Pennsylvania Housinq Finance Aqenay has lIi~ty (60) days to make a decision after it reoeives your applJ.oation. Ourinq that additional time, no foreolosure prooe.dings will be pursued aqainst you if you hl1ve met the time requirements set forth above. You will be notified direotly by that Aqency of its deoision on your applioation. The PennllylvaniB HousJ.nl Finance Agenoy ill located at 2101 North Front street, Post Off ce B~x 0029, Harrisburg, PennsyLvania l7105. Telephone No. (71?) 7BO-31300 or l-BOO-342- 23'37 (toll free number). Persons with impaired hurinq oan call 1-000-]42-23'37. In addition you may receive another notioe from this lender under Act 6 of 1'374. That notioe is called IINotice of Intention to Foreclosell. You must read both notices, sinoe they both e~plain riqhts that you now have under Pennsylvania law. However, if you choolle to exeroise your rights dellcribed in this notice, you cannot be foreclosed upon while you are reoeiving that assistanoe. Very truly yours, FEDERMAN AND PHELAN Byr Frank Federman FF /mtm ocr Quality Loan servioinq corp., Santa Ana, CA Attnl Uavid Even Loan No.1 2397842 Bent by Reqular Hail, certificate of Moiling (PS Form 3877) EXHIBIT I 8" FEDEIlMAN ANIJ I'IIELM, p,l:, By I FllANI< n:IJI!:I<MMl, Et:lQU [lH~ IDENTIFICATION NO. L~~4" 'l'WQ PENN CEN'I'I':H I'LA1.A, t!Uln: IJllll PHILADELPIIIA, I'A L~ln~ .lllll.L._.ti.!U-:..I!J !J!L.. ._..... '__'_ ,.____... ACCUf3ANC MOH'l'llAGU: COIlI'OIlA'I'IQN 12377 MEr<I'1' OIHVE SUITE 600 DALLAS / '1'X 7li2 01 ~l~HI Pll\lntln M'I'iJlltIlt,V IrOl1 l'I..AlN'I'[lrl" ClllJH'I' lJlr !.:IJMMOt/ PI/llAU lit 'I n. Lll V IIWlt/ v. 'l'IEllM NO, 'III II.' /III I,',... I' 'I" CIIMI1ICIII.MHl I)I)IJN'I'V I<ATHLEEN M. ALalUQWr 4170 KITTATINNV DnIVE MECIIANICt:lBURO/ PA 17066 Dill fllln<lMlt (~) Q,lYl.1dlO'l' nm ..!,...l,,^W WlR~JI^fU...1gn IIlLlltJ J)JUI NQ'UQfj I This III nn olll,lmpl to collect II debt und any Informallon oblolnlld will bo ulIod for Ihat purpooQ, _ You have beel1 I!IUQd 111 l:()lIrt. If: ynll IlIlIh t.", oI"tllllol ,I'I,tll1l!t. thu claimll ~lIilt forth In \".1)1) r'.JllrJ\!1n'l Ilo\llulI/ '1')1111111111' ",iiI" ,1,;\:1011 within t.....enty (20) d,lya rltl:"lI' tlllll I.:,jlllpl.lilll'. .1I10l1l,":1.!1I ,11'11 1\lII:V'HI, by linter ing l.l .....r ltt"l1 "ppU.II',tl\':II P'!l'I.IUIl,llly 'll' by .11'l'.tl/:lltlY ,II".! tiling in .....rltlnq with tllu I;'llll'\: Y'JIII' oIlJtlJl\lII/11 III ""),,,'1:1')1111 to t.hl.i claims s~t forth "<J,\ ll1l:1t y,.lIl, YllIl MIJ 1'1.\1'111101 \:h,ll. L I' '11)11 ",Ill to do so the CI:HHI IIhlY pro':',/IIo1 wlthrlllt '1Ll11 111\01 ,1)1I01111111ll\t IMY Po entered I:Iquillat YOll Py tint I.! '.1 I 1/' t: .....ltlllJlII". tlll:'t.hul:' Ilol:l,m tOl' 1:111'1 money cL,linlud In till'! COlllpl,llnl'. IJI' 1:01:' ,IllY tJl:h"l: d,lllll 'H' rellef reqllestad PI' t.IJIl 1'1" illt.l t t . 'lOll 1\1.1'1 11m" III'JIloy 1')1:' IH"oll13rty or other r 19htl'l llllport'"1t trJ y,JII. YOU SIlOULO 'l'Al<E '1'1I11'J PAl'!':/< 'N '11)11It I.AlfIIW HAVE A LAWYEr< or< CMlNo'I' Al'l'olm ntH:, Ill) '1"1) SET FOR'l'I1 BELOW '1'0 I'INI'l 011'1' WI t1':H I,: 'lOll eMI A'I' otic I!: , 1:1' YOl) 'JlI '1'I>:1.1(l'tlOIII': '1'111': '.0,:'1" 1.I(1.lA1. '''':1.1', PO NO'l' OHIC/!: CUMUI!:R/.M11.l l.'I)U,,'I"1 COUIl'I' I\I)M ltIlll'l'ltA'J'rJl< 4 'I'll n.Orm CIJMIJI1IH,AtlD r.:o I J/'I '1"1 CI.)1J It'I'tlr)1 1111,: CARLIIJLIE, I'A LlllLl (7l'll 2'1i1.,\~,)1) frill':: '''OP'V rnUM p.~'.cmm . . C ,~ \ lilY hllllJ 111 ro~l\n\nny Whllllllll, I h611111n\0 ,~ II , ri Ihll ben' r,1 h:\II} Inull at L.nllhIO, , ': 10 j I ' I \ II l.... 11\1r. 'k'" I J" U.....".. t. , ' \) -.....,... , .- ,\ \ '... ,(..~.~.J, I i ..I.....t"......' ._~_..1--_... ,... '-I'IQlllllnuIUIY Wff heruby Cflttlly Ill'. wllhllllo be Blrue 111\<1 oorroot copy oIlhe orlglnnllUad 01 rOOOl'd FEDEnMAN AND PHELAN 15. The followin'il amounts arll dUll on thll InQrtl,JlI'ilel prinoi~al Balllnoe J:nternt 11/1/9~ through 7/1/~~ (Per Diem $ao.90) Attorney'lI Feos Cumull1tive Late Charl,JQ~ 10/14/94 to 7/1/~~ Oost of suit and Titlll ae"ruh subtota 1 EIIQrow cred it OeH'Jit Subtota 1 $1I~,4151,U &,099.04 4, UJ.OO au.oo ~159.DO oa,4lS4.2IS 0.00 Q.,J)Jl 0,00 TOTAL $U,4I$4.1U 7. Thill aotion dO~1I not uum.. undQr ^~t G ot 1074 becaulle the oriqinal mortgnq.. nmount Q~u~~du ~~O,QOo.OO. B. The Temporary i:lt"y All proY hied by the lIol\leowner' S Emsrqenay MortgAge A~~LHtAnu~ ProgrAm, Aut 91 of 1983, has termiMted bQlhHII'" puttJlldnllt(tl) hLlVlI failed to meet with the Plaintiff or All nuthori~ed credit counaeling Aqenoy in aaoordllllll'" wLth I'lilLnUrt'a written Notioe to Defendants, a truu Alld uorrout uopy of which in attaohed horlilto ,ltl f:>lh Lblt "1.1". 9. puruuant to tlJlJ 1'1\ I J.' Dullt Co llo.:t Lon ProIct icall Aot, 15 U.S.C. S 16'}:l ut tllll.l' (1'1'1'1), lJurl.lnuLlnt(lI) may dillpute the vlllidlty or tho J'Jbt 0" IIIIY port Lon thereot. If DefendBnt(s) do 1113 In writ I",] wlthLn thLrty (30) days of reoeipt of thilJ pl.,llding, COlln'1I1L tor Plaintiff will obtain and providu lJtJranJllnt(s) with written verLfioBtion thurBor, otharwiutJ, tho debt will be IlISsum"d to btJ YI1Lid. LLlI<lwIIlQ, If requested within thirty (31)) d'lYlJ or rOlll.llpt or thitl pLeadin'il, counsel for PlaintLff wllL tland DlIr"ndilllt(lI) the name and addrel!lll or the Or.LgIIl,'L credltor it dlfrerent from IlbovIJ. WHEREI"ORJl;, PLAIN'r!I"F dl!m.lndn JUdqmllnt against the Defendant(lI) in the sum of $9~1464.2~, together with interest from 7/1/96 at the rate of $20.9Q per diem to the d~te of Judgment, and other costs and chnr9Q~ aolLeatLbLe under the mortgage and for the foreo 10llur14 Bnd l!Ill L" 0 f the mortgaged property. Isl I"rnnk Federman FRAN~ FEDERMAN, ESQUIRE Attorney for PLaintir.f _1'Jll./lJIWj I-Ir.nNQ r. 'N'W I....QI.lIN.IC.\1I.AIj.. 'DAII ,. lIlOOIKV' ,.,... C. ClIJD lW.lXA II. WOOlllml WIJII. 'UlD" '-'AI/ClI'. IIAUJllAII' DAllJlJ.G.li:ltMWl ntOll.U ... .AJIIlI. n!COW ... "DU"'AII' MlOmLl ... la'WO'D KOWI.UJI DIMIJlI<D' DA/IlIu.a .:.ucUlNO' "DlI/mO IH f' ANO HI "Hr'/I.Ullrll"""'/H~f_. ADt<II/IlllIA IllK I>Ol/WlI. llQOO"'H June 6, 19915 ,-,womel!l FEDERMAN AND PHELAN. p.e, 1\II1J 100 !TIo 'lfflj ClI/1T11K ".AI.. "tn,.AIlIW'N~l ,. '''11I.'''' ,III11Ol't1lOO ,All "11I ",.1/1. IJI,ll:OI'tU"III1"".Ull hWIlAllI'?N:a .., /IOII!1t NII.....DH hWIlA.,. 1101I 11l1l"1~1I' ",w ImlV OI'PlCl 'Ull'l'OI mmy DmCllI'tM.. 1I11Wl1lOH AYlHUI WUlMQtjf, HIW 'UIIY 01101 lllJIO<>>1JK "fOIl II...... nftl Nl/nQ ~ IlIIT 10 YIJII IN All '""_ III COUICT nDlIHDlm.llHlIJlWUUO III NlJIMj AHDAIlY 1H10,,,,.nONotTIJHJO I'll0N YIlIJ WIIJ. " VIlO 'Ill nlA r 'V.,.,.,. Kathleen M. AlDriqht 4170 Kittatinny Drive MechanicsDurq, ~A 17055 ReI prenlises I Loan No.1 4170 Kittatinny Dr., Meohanicsbu~g, PA l7055 2 H178!2, WICE OF IN'rEN'rION TO FORECLW3..m We rep~eBent Accubanc Mortgage Corporation, the holder of the Mortgage on the above~referenced premises, who he~eby advises that it will accelerate ycur Mortgage (demand payment in fUll) and pursue the foreclollure remedies permitted by the mortgage unless your loan delinquencies are cured as provided below. THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DI.':BT. THIS NOTICE IS SENT TO ~OU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR TnAT PURPOSE. You may dispute the validity of the debt or any portion thereof. If you do so in writing wi thin thirty (30) days of receipt of this letter, this firm will obtain and provide you with written verification thereof, otherwise, the debt will be assumed to be valid. Likewise, you may request the name and add~esB of the originsl creditor if ditferent from above. The total delinquency, inclUding hte and other charges is $6,649.34 tor the months of 12/1/95 through 6/1/96. ~our failure to pay the de1J.nquent amount;, plus Bny additional monthly payment and lata and other charge a (including any accrued interest] that may come due within the next thirty (30) days, will result in the ac~eleratlon of all lIums due under your Mortgage. ^fter accelllration occurs, a foreclosure action or any other remedy permitted by your mortgage may be instituted. EXHIBIT "A" ,\C'1' 91 "O'l'ICB TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSl1RE THI/.I FIRK IS ,\ DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE I/.I /.lENT TO YOU IN AN ATTEMPT TO COLLF.CT THE INDEBTEDNESS REFERRED '1'0 HEREIN AND AN'l INFORMATION OB'rAINED FROM YOU WILL BE USED FOR THAT PURPOSE. The Commonwealth of pennsylvania'S Homeowner's Emerqency Mortgage Aseistance proqram may be able to help you. Read the following notiae to find out how the proq~Bm workB. If you need more information call the Pennllylvania Housinq Finance Agenoy at 1(800) 342-2397. La notiticacion en adjunto es de suma importancia, pues af.cta su derecho a continuar viviendo en BU cssa. Si no comprende el contenido de ellts notifio~cion obtenqa una traduccion immedistamente llamanda esta a~enoia (pennsylvania Housin9 Finance Agency) lIin cargos a1 numero mencionado arriba. Puedell Bar eleqible para un prestamo por el programa llamado ~Hom.owner's Emergency Mortgage Assilltance proqram~ .1 cual puede salvsr su casa de la perdids del derecho a redimir su hipoteca. Ac'r 91 NO'l'ICE IMPORTANT I NOTICE OF HOJ(EOWNERB' EMERGEHC;:Y MORTGAGE ASSISTANCE PROG1W4 PLEASP. READ THIS NOTICE. YOU HA'l BE ELIGIBLE FOR FINANCIAL ASSIS'l'AIfCE WHICH CAN SAVE 'lOUR HOME FROM FORECLOSURE AND HELP 'IOU MAXE FlJ'l'URE MORTGAGE PA'lMEJfTB Datel June 6, 1996 REl Account No. 2397842 premisesl 4170 Kittatinny Dr., Mechanicsburq, PA 170ee '1'01 Kathleen M. Albright 417Q I<ittatinny Drive Mechanicsburg, PA 17055 FROMI Accubanc Mortgage corporation You may be eligible for financial assistance that will prevent foreolosure on your mortgage if you comply with the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Act"). You may ba eligible for emergency temporary assistance if your default haa beon caUsod by circumatsnces beyond your contr.ol, you have a reasonable prospeot of resuming your mortgage payments. and if you meet other eligibility requirements established by the Pennsylvania Housing Pinance Agenoy. PleuBo road all or this Notice. It oontains un explanation of your riqhtB. EXHIBIT' 8" Under tho Act, you are entieled to a temporary stay or. foreclosure on your mortgage for thirty (30) days from the date of this Notice. DIJring thllt time you must arrange and at1;end a "face-t;o-r.ilce" meeting with B repres(mtative cf this lender, or with a designated consumer credit counseling agency. The purpose of this meeting is to attempt to work out a repayment pllln, or to otherwise settle your delinquency. This muetlng must occur in the next (30) days. If you attend a tuce-to-face meeting with this lender, or with a oonsumer credit counseling agency idantitied in this notic~, no further proceeding in mortgage foreclosure IUIlY take plaoe for thirty (30) dllYs after the date of thill meeting. The name, address and telephone number of our reprellentative iSI PBDJ!lRMAN AND PHELAN, SUI'l'E 900, 'l'WO PFJfN CEH'rER PLAZA, PHILADELPHIA, PA 19102/ 'relephoM Numberl (215) 663-7000. The names Bnd Ilddress of designated consumer credit counseling agencies are shown on the attached sheet. It is only necessary to schedule one face-to-face meeting. You IIhould advise this lender immediately cf YGur intentions. Your mortgllge is in default because you failed to pay promptly installments of principal and intarest, as required, for a period of at least sixty (~O) daYII. The tocal amount of the . delinquenoy is $6,649.34. That sum includes the followingl Total of monthly payments from 12/1/95 to 6/1/96includinq all accrued late charges, it anYI $6,613.34 Property inllpections and NSF check oharges, if IlnYI 36.00 other Charges accrued, if anYl LESSI Suspense (unapplied funds) I TOTAL AMOUNT OF DELINQUENCY I ~ -0.00 $6,649.34 Your mortgage ill also in default for the following reasons I N/A . If you have tried and are unable to resolve this problem at or after your face-to-tace meeting, you have the right to apply for financial assistance from the Homeowners' Emergency Mortgage Assilltance Fund. In order to do this, you must fill out, sign and file a completed Homecwners' Emergency Assist~nce Application with one of the designated consumer credit ccunseling agencies listed on the Ilttachment. An application for assistance may only be obtained from a consumer credit counseling agency. The consumer credit counseling agency will assist you in filling out your applic3tion and will submit your completeu application to EXHIRlT' ')' the Pennsylvania Housing Finanoe Agenoy. Vour applioation must be filed or postmarked, within thirty (30) days of your face-to- faoe meeting. II il _xI/v,",ly ImfXll'lllnl 111411 you IJ/- )'0'" appllc","m p/'rJnlplly, If ,\'till Ju nl1' dl1 so, 0' If you do nl11 follow ,h, 11,11,,, I;m, ",naris s', fOI1I. ;n Ihillmtr, furtr/orurrt may pm,,,d ",";IU' yo,,, ham' ;,"m,Jlal,ly. Available funds for emerqenoy mortgaqe aseistanoe ar~ very limited. They will be disbursed by the Aqency under the eliqibility criteria established by the Act. It is extt'emely important that your application is aocurate and complete in every respect. The Pennsylvania Houeinq Finanoe Aqency has sixty (60) days to make a decision after it receives your application. During that additional time, no toreolosure prooeedings will be pursued aqainst you if you have met the time requirements set forth above. You will be notified directly by that Agenoy of its deoision on your application. The Pennsylvania Housing Finance Agency is located at 2101 North Front street, Post Office Box 8029, Harrisburg, Pennsylvania 17l05. Telephone No. (717) 780-3800 or 1-BOO-342- 2397 (toll free number). Persons with impaired hearinq can call 1-800-342-2397. In addition you may receive another notice from thill lender under Act 6 of 1974. That notico is called "Notice of Intention to Foreclose". You must read both notices, since they both explain rights that you now have under Pennsylvania law. Howuver, if you choose to exercise your rights described in this notice, you cannot be foreclosed upon while you are rucoi~in9 that assistance. Very truly yours, FEDERMAN AND PHELAN BYI - Frank Fedel:man FF/mtm CCI Quality Loan /.Iervicing corp., Santa Ana, CA Attnl David Even Loan No.1 2397842 Sent by Regular Mail, certificate ot Mailing (PS FOrlll 3877) EXHIAIT 'I~"