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HomeMy WebLinkAbout00-01109 'l .'%, Comroe, Hing & Associates By: David B. Comroe Identification No.: 25694 1700 Market Street, Suite 1400 Philadelphia, PA 19103 (215)568-0400 Attorneys for Plaintiff White Mountains Services Corporation, formerly known as Source One Mortgage Services Corporation 27555 Farmington Road Farmington Hills, MI 48334-3357 Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION - LAW vs. ACTION OF MORTGAGE FORECLOSURE Myles M. Reed 2311 N. Front St., #1002, Harrisburg, PA 17110-1071 and Rebecca L. Reed, aka Rebecca Eden, aka Rebecca Troutman 2311 N. Front St., #1002, Harrisburg, PA 17110-1071 Defendants Th~ O' L No. ;;Zooo - /10'1 \.:..Lo,- ~ CIVIL ACTION: FORECLOSURE .................................................. ............................ NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after the Complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 2 Liberty Avenue, Carlisle, PA (717) 249-3166 THIS IS A PROCESS [HE PU:t<} OSE OF WHICH IS TO COLLECT A DEBT AND ANY' . INFORMATION OBTAlNED FROM YOU OR ANYONE ELSE \Vll.L BE USED TO THAT END , , < AV1S0 LE HAN DEMANDADO A USTED EN LA CORTE. SI DESEA DEFENDERSE CONTRA LAS QUEJAS PERESENTADAS, ES ABSOLUTAMENTE NECESSARIO QUE USTED RESPONDA DENTRO DE 20 DIAS DESPUES DE SER SERVIDO CON ESTA DEMANDA Y AVISO. PARA DEFENDERSE ES NECESSARIO QUE USTED, 0 SU ABOGADO, REGISTRE CON LA CORTE EN FORMA ESCRITA, EL PUNTO DE VISTA DE USTED Y CUALQUIER OBJECCION CONTRA LAS QUEJAS EN ESTA DEMANDA. RECUERDE: SI USTED NO REPONDE A ESTA DEMANDA, SE PUEDE PROSEGUIR CON EL PROCESO SIN SU PARTICIPACION. ENTONCES, LA COUTE PUEDE, SIN NOTIFICARIO, DECIDIR A FAVOR DEL DEMANDANTE Y REQUERIRA QUE USTED CUMPLA CON TODAS LAS PROVISIONES DE ESTA DEMANDA. POR RAZON DE ESA DECISION, ES POSSIBLE QUE USTED PUEDA PERDER D1NERO, PROPIEDAD U OTROS DERECHOS IMPORTANTES. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE. SI NO CONOCE A UN ABOGADO, LLAME AL "LAWYER REFERENCE SERVICE" (SERVICIO DE REFERENCIA DE ABOGADOS), 215-238-6300. Cumberland County Bar Association 2 Liberty Avenue, Carlisle, FA _ (717) 249-3166 !tITS. ,<: i' ;;)", '-;::'oc UTI:. --,~. OSE 0- ~ ',,', ..1. .~ ~.'l..'J.......L.;,:}"':; ,.ri..L;,; !"LJi'.:...t~. - 1"' WHICH IS TO COLLECT A DEBT AND ANY . n.wORt\1ATION OBTAINED FROM YOU OR ANYONE ELSE WILL BE USED TO THAT END. .~ 1. Plaintiff is White Mountains Services Corporation, formerly known as Source One Mortgage Services Corporation, with its principal offices at 27555 Farmington Road, Farmington Hills, MI 48334-3357. 2. Defendants are Myles M. Reed and Rebecca L. Reed and aka Rebecca Eden and aka Rebecca Troutman, with an address as set forth above. 3. On August 12, 1998 Defendants executed and delivered a Mortgage upon premises hereinafter described to Mortgage Investors Corporation, which mortgage was recorded in the Department of Record at Cumberland County, Pennsylvania in Mortgage Book 1477, at page 1103 on August 25, 1998. 4. The said mortgage was assigned on August 17,1998 to Source One Mortgage Services Corporation, now known as White Mountains Services Corporation, said Assignment being recorded in Assignment of Mortgage Book No. 591, Page 691 on October 13, 1998. 5. The premises subject In said Mortgage are known as 309 6th St., , New Cumberland, Pennsylvania 17070 and are more particularly described in Exhibit "A" attached herein and incorporated herein by reference. 6. The Defendants are the record and real owners of the said real estate subject to the Mortgage. 7. The said Mortgage is in default by reason of the fact that the monthly installments of principal, interest and escrow as due on May 1, 1999, and as due on the first day of each month thereafter are still due and owing and have not been paid; and by the terms of the said Mortgage, upon failure In make such payments when due, the whole of the principal balance and all interest due thereon, together with late charges and other recoverable sums and attorney's fee are now due and payable forthwith. 8. The monthly installment payment composed of principal, interest and escrow due under the terms of said Mortgage and Mortgage Note for each such month was THREE HUNDRED EIGHTY ONE DOLLARS AND 21 CENTS ($381.21), consisting of THREE HUNDRED EIGHT DOLLARS AND 84 CENTS ($308.84) for principal and interest, and SEVENTY TWO DOLLARS AND 37 CENTS ($72.37) for escrow. In addition there are escrow deficits due. 9. The following amounts are therefore due and owing on said Mortgage: (a) Principal Debt (b) Late Charges at $15.04 per month from 05/01/99 In 02/09/2000 (c) Interest from 04/01/99 through 02/09/2000 at $8.97 per diem (d) Total Escrow Deficit to date $46,148.89 $135.36 $2,817.65 (e) Reasonable Attorney's fees as in the above state amount reflect third party sale only. If the Mortgagor reinstates the account, attorney's fees will be reasonable based upon work performed. $923.96 $2,307.44 (f) Title Report ~.= --UD 'o"SE OF THIS IS A PROCES:; in'" r' . =- v WHlCH1S TO COLLECT A DEBTMANDyO~ INFORMATION OBTAINED FRO ANYONE ELSE WILL BE USED TO THAT END. $335.00 . . ( (g) Court Filing Charge (h) Uncollected Late Charge(s) (i) Escrow Credit TOTAL AMOUNT DUE $115.50 $10.00 $0.00 $52,793.80 In addition, interest at the rate of $8.97 per day on the unpaid principal balance will continue to accrue until the default is resolved. Any payments which are allowable under the mortgage document and are necessary to protect Plaintiff, relating to real estate taxes owed or which become due on the mortgaged property together with fire or homeowners insurance premiums necessary to protect the Plaintiff, or any reasonable costs necessary to protect the property from waste or vandalism shall .also become due and owing by Defendants to Plaintiff when expended by Plaintiff. 10. Pursuant to the provisions of Act No.6 of the Pennsylvania General Assembly dated January 30, 1974, as amended, a Notice of Intention to Foreclose Mortgage was mailed by Certified Mail, Return Receipt Requested to the Defendants at the aforesaid mortgaged premises. True and correct copies of said Notices are attached hereto and made a part hereof as Exhibit "B" and same are incorporated by reference herein as though here fully set forth at length. 11. Pursuant to the provisions of Act 91 of the Pennsylvania General Assembly dated December 13, 1983, ''The Emergency Mortgage Relief Act", notices in accordance with the Homeowners' Emergency Assistance Act of 1983 were mailed by regular 1st class mail to the Defendants at the aforesaid mortgaged premises. WHEREFORE, Plaintiff prays judgment against Defendants in the sum of $52,793.80 plus interest and late charges at the contract rate to date of Judgment as set forth above and costs, both of suit and as set forth above, and for foreclosure and sale of the mortgaged premises, DATED: February 9, 2000 Respectfully submitted, C~ing & Associates By: Me?.4mroe Supreme Court 1.D. 25694 Attorney for Plaintiff --~- TillS IS A PROCESS THE PURPOSE OF WHICH IS TO COLLECT A DEBT AND ANY INFORMATION OBTAINED FROM YOU OR ANYONE ELSE WILL BE USED TO THAT END --~-- -~- .. - ------ C:6 - /10'7 PROTHONOTARY OF CUMBERLAN DCOUNTY ONE COURTHOUSE SQUARE CARLISLE PA 17013 .~ /I /l . ~ ..~ ._~ OFFICE OF 1HE PROTHONOTARY Court of Common Pleas TO: Myles M. Reed 2311 N. Front st., #1002, Harrisburg, PA 17110-1071 and Rebecca L. Reed, aka Rebecca Eden, aka Rebecca Troutman 2311 N. Front st., #1002, Harrisburg, PA 17110-1071 Comroe Hing LLP By: David B. Comroe 1700 Market street, Suite 1400 Philadelphia, PA 19103 (215)568-0400 Attorney for Plaintiff Identification No.: 25694 White Mountains Services Corp., f/k/a Source One Mortgage Services Corp. 27555 Farmington Road ,.'~.. Farmington Hills,MI 48334-3357.' IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION - LAW Plaintiff vs. ACTION OF MORTGAGE FORECLOSURE Myles M. Reed 2311 N. Front st., #1002, Harrisburg, PA 17110-1071 and Rebecca L. Reed, aka Rebecca Eden, aka Rebecca Troutman 2311 N. Front St., #1002, Harrisburg, PA 17110-1071 Term No. 2000-1109 Civil Term Defendants NOT ICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below. Prothonotary X Judgment by Default Money Judgment Judgment in Replevin Judgment for Possession. ~> Judgment on Aware of Arbitration Judgment on Verdict Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: ATTORNEY David B. Comroe at this telephone number: (215)568-0400. ..~. " '" Comroe Hing LLP By: David B. Comroe 1700 Market Street, Suite 1400 Philadelphia, PA 19103 (215)568-0400 Attorney for Plaintiff Identification No.: 25694 White Mountains Services Corp., f/k/a Source One Mortgage Services Corp. 27555 Farmington Road Farmington Hills,MI 48334-3357 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION - ~~ Plaintiff vs. ACTION OF MORTGAGE FORECLOSURE Myles M. Reed 2311N. Front st., #1002, Harrisburg, PA 17110-1071 Rebecca L. Reed, aka Rebecca Eden, aka Rebecca Troutman 2311 N. Front St., #1002, Harrisburg, PA 17110-1071 Term No. 2000-1109_Civ1l Term Defendants .............................................................. . . . . . . . .. .. . . . . . . . . .. .. . . . . . . . ~ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PRAECIPE FOR ENTRY OF JUDGMENT AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Enter Judgment in the amount of $54,326.19 in favor of the Plaintiff and against the Defendants for failure to file an Answer in the above action within twenty (20) days from the date of service of the Complaint and assess Plaintiff's damages as follows: (a) Principal Debt (b) Late Charges at $15.04 per month from $46148.89 $210.56 05/01/99 to 06/Q2/2000. (c) Interest from 04/01/99 through 06/02/2000 at $0.00 $3840.61 $8.97 ',,~ ," ~ " . . (d) Total Escrow Defici.t t_odate (e) Reasonable Attorney's fees as in the above , $1358.18 $2307.44 stated amount reflect third party sale only. If the Mortgagor reinstates the account, attorney's fees will be reasonable based upon work performed. (f) Title Report (g) Court Filing Charges (h) Uncollected L.ate Charge (s) (i) Escrow Credit TOTAL AMOUNT DUE $335.00 $115.50 $10.00 $0.00 ~54,326.19 DATED: June 2, 2000 Respectfully submitted, ~~ BY: ---------... David B. Cornroe f-I-~ Attorney for Plaintiff ~day of June, 2000 Prothonotary 2 , ( VERIFICATION for Plaintiff, having express authorization to enter into this verification verifies the foregoing Complaint in Mortgage Foreclosure and avers that the statements of fact therein contained are made subj ect to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities, and that same are true upon the signer's personal knowledge or information and belief. JANET LUTTMAN ASSOCIATE VICE PRESIDENT 94{j IAA~ JANET LUTTMAN ASSOCIATE VICE PRESIDENT . ~:.- .", ," ;';''',,,,~~~~'''f,!~r .. .. . , " .. ~ -- . ,..,.,:.....'.".... "'_" _.'." ~:."'.'.:".~~...,.,".....,'..;,c.:~..'";:~':;:.,..~s-...~._".....-? .~~.:';...~"'..=._:....;::'".=-;:.""..~._. ,-<-.:.._.:-."" .:. ,.'_.__ ~. ~ ~ ~i""':':""-= . ',' _'~_ ;. .....: _.:.: '=.':- '., _ _ ~_ ~:',_' ._ -,"' ; '-~~;~{\~~:.~~7~=-:-~t{:;:~;~".~.,,~~-.-~---.~-:-:~-.-:- ., " " . .-' ~:~ ~.:.~" .~. .~~~:'~ ~~ i'}:~'''~;f ~ {::~~-~ ;~.~~~:-~~" " '.,'J;, ,i.:.:_:;.:_.":..,' ,,!..' _._..-t"~.' ._ ',--. ". '....'., ,-:...~--~. DESCRIPTION ALL TEAT CERTAIN tract or parcel of land and premises, Situate, lying and being in the Borough of New Cumberland in the County of Cumberland and Commonwealth of Pennsylvania, more particularly described as follows: BEGINNING at a point on the Northern side of Sixth Street (50 feet wide) a distance of Twenty- . nine and five tenths (29.5) feet measured from a pin at the Northeastern comer of Sixth Street and Third Alley (20 feet wide); thence by other land now or formerly of Maude A. Bixler Estate North 31 degrees 30 minutes West a distance of seventy-five (75) feet to a point; thence by land now or formerly of W.J. Driver North 58 degrees 30 minutes East a distance of nineteen and one-tenth (19.1) feet to a point; thence by land now or formerly of the Maude A. Bixler Estate and conveyed to Ralph M. Shoop and Wife and through the center line of a partition waIl South 31 degrees 30 minutes East a distance oflieyenty-five (75.0) feet to a point on the Northern side of Sixth Street; thence along Sixth Street South 58 degrees 30 minutes West a distance of nineteen and one-tenth (19.1) feet to a point, the place of beginning. BEING a part of the Subdivision Plan of the Estate of Maude A. Bixler, as surveyed by D"P. Raffensperger and Associates, Camp Hill, Pennsylvania, on August 23, 1973 and recorded in the Office of the Recorder of Deeds of Cumberland County in Plan Book 24, page 78 on November 14, 1973. HAVING thereon erected a semi-detached frame dwelling house known and numbered as 309 6th Street, New Cumberland, Pennsylvania. Parcel # 25-24-0811-028A ,," ~ --:'~-;; ~" -,. -, :,;.:,.~: ,~-~_~7Z"-.:":~":~(:'; C'.~ - F;,~7}: "'2~ "T':<~-'\. ',7:~~~?,.f.:~ ~';:~1:~::~:~I" ,.'~' .: j: . ~'''::':'::?!~~':):~ ~:.F ~~~~~:~:;:,'!?;;c;::"2:.,~*':~,I ';:";;~'~;'~ :~: -~~:; ~~.;~~'.' .:. ,;,"':,:,"":','-,,: ,:,;:;,,'::-'-'.'r.::~,;~'; ';;,,'..:;, ''0:.:., ,.... : ,"-:- ,",.. ", " ,...>.. ,. '." - -' :.... ..,-" . . ~. ... ,...l..'~-''''' '~'.~' "'oJ} ~:~ SoureeOne ,_::. .pl.. J"'. Mortgage Corporation ]O,:~ . '"J'''f ,. > 'I -1 ..... '-J' .).J ~l I., , .,.-.~, : 27555 Fsrmington Road F~<>1On Hills, MI 48334-3357 'i :,~....t'0 , . y,"". . COMBINED ACT 91 AND ACT 6 NOTICE Subject: Dear g?b~((q L. (('@P'c1 ;;l, 311 )v Front . H';rc:S 1>"'9 I p~ Ii- -3~ qCI 5 r ::; IO"~ l7110 SOMC Account Number: 70S 2..0 lYS- b Mortgagor's Name(s): /'II" I~) ih ~ ~,J ~ R ,b.,,,, L., R ,J Property Address: "3o<} {, t l-. 5 + iV.f>""" (l,lM{;v(!t.l"J PA 17070 , Creditor: " , K Pf,~'.. '/ ~,~ I J I L, x. ...,{J, YOUR MORTGAGE IS IN DEFAULT FOR THE REASONS SET FORTH IN THIS NOTICE. YOUR LENDER MAY FORECLOSE AND YOU MAY LOSE YOUR HOME. IF YOU WANT TO SAVE YOUR HOME FROM FORECLOSURE, YOU MUST TAKE ACTION NOW BY ONE OFTHE FOLWWING STEPS: .1. CURING THE DEFAULT. ./ v V 2, i V J..- v 2261F.B6 This notice explains the nature of the default and your rights to protect your interest in your home. Refer to Section 403 of the Act of January 30, 1974 (P.L. 13, Number 6),41 P.S. Section 403) c ,_, c. . !'../" , - OR - Y APPLYING TO THE HOMEOWNERS EMERGENCY MORTGAGE A~~ANCE PROGRAM FOR FINANCIAJ:;-ASSIS'l'lrnCE WHICH CAN SAVE YOUR HOME FROM , --- .-.-- FORECLOSURE AND HELP-YO'(;)'-MAl{E FUTURE-MORT.GAGE PAYMENTS. Read this notice to find out how the program. works. You ~st meet with g Consumer Credit Corm-1;...." kencv within!hi!:!;y (30) days ~the date "jfthis Notice in order to ~. . . ""--- . - . . . v Refer to Act of Decem.ber 23, 1983 (P.L. 385, Number 91) 35 P.S. Section 1680.201c- 1680.409c. . If you need further information, contact the Pennsylvania Housing Finance Agency at 1-800-342-2397. Page 1 of5 . ~ ( ''';, Page #2 LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGAUNA 'fAADUCCION INMEDlTAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVAN~ HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CULA PUEDE SALVAR SU CASA LA PERDIDA DEL DERECHO A REDlMIR SU HIPOTECA. EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE' A REASONABLE PROSPECT OF RESUMING YOUR MORTGAGE PAYMENTS AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. PLEASE READ ALL OF THIS NOTICE. IT CONTAINS AN EXPLANATION OF YOUR RIGHTS. TEMPORARY STAY OF FORECLOSURE Under the Act, you are entitled to a temporary sta;y offoreclosure on your mortgage for thir1y (30) days from the date of this Notice. During that time, you must arrange and attend a "face- to-face" meeting with a representative of the creditor or with a designated Consumer Credit Counseling Agency. The purpose of this meeting is to attempt to work out a Repayment Plan or to otherwise settle your delinquency. This meeting must occur within the next thir1y (30) days. HOW TO CONTACT THE CREDITOR OR/SERVlCER: Source One Mortgage Corporation 27555 Farmington Road Farmington Hills, MI 48334-3357 Attention: Loan Counselor 1-800-366-3003 (Toll Free) 1-800-578-9750 (Heapng Impaired) CONSUMER CREDIT COUNSELING AGENCY If you meet with your creditor or with a Consumer Credit Conn""Hng Agency identified in this Notice, the creditor may not take action against you for thirI;y (30) days after the date of this meeting. The nam.es and addresses of the designated Consumer Credit Conn ""Hng Agencies for the county in which the property is located are shown on the attached sheet. It is only necessaIY to schedule one "face-to-face" meeting. Advise your creditor immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE Your mortgage is in default for the reasons set forth in this Notice. If you have tried and are unable to resolve this problem with the creditor, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program.. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program. Application with one of the designated Consumer Credit Counseling Agencies listed on the attachment. Only Consumer Credit Counseling Agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Pa~e2or5 .-> .'" , ~ "- ~~ 0,.. .. Page #3 Your application must be filed or postmarked within thir1;y (30) days ofynur"face-to-face" meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LE'ITER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION 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 important that your application is accurate and complete in every respect. The Pennsylvania Housing Agency has sixty (60) days to make a decision after it receives your application. Durinlftliat 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 the Pennsylvania Housing Finance Agency of its decision regarding your application. THE PENNSYLVANIA HOUSING FINANCE AGENCY IS LOCATED AT: 2101 NORTH FRONT STREET POST OFFICE BOX 8029 HARRISBURG, PA 17105 (717) 780-3800 (717) 780-1869 - HEARING IMPAIRED 1-800-342-2397 - TOLL FREE HOW YOUR MORTGAGE IS IN DEFAULT: NATURE OF THE DEFAULT The mortgage debt held by the above creditor on the property 10cated at the following address: 30q 6fh <)f iI/row ("", Lp('14^ol f H / ! 7070 IS SERIOUSLY IN DEFAULT BECAUSE: 1. . YOU HAVE NOT MADE THE MONTHLY MORTGAGE PAYMENTS. The following amounts are now past due: i:mmmNM~HUmllibHdtiNml)Njj:~u@ml!:LlD.i#~~:~iiptihnt:;!rftmnm'ltMHmlm;~!nmnr~Him;l;fmmWDE i'!IHJtllilli!mm!~i#tifiMmllm:lln::I}::i Payments of Principal and Interest """"'). $ dh 59, , <V Escrow Charges /' $ Late Charlres $ "fl. ~~ Attornev fees and costs $ Other charges: Explain $ I 0 ~ , TOTAL AMOUNT PAST DUE $ J. .7 ,- cl "I . l"agc3QfS ~.. . '1;, Page #4 2. YOU HAVE FAILED TO TAKE THE FOLLOWING ACfION: EXPLAIN: JC<;f 0/:1 "'-,r!; /t7"r!.:r1f /il\(''Y>.i''+ S HOW TO THE CURE THE DEFAULT You may cure the default within THIRTY (30) days of the date of this 'Notice BY PAYING THE TOTAL AMOUNT PAST DUE to the creditor pIus any additional monthly payments and late charges and any applicable fees and costs.mich may fall due after the date of this Notice and. the date you make your payment. Payments must be made either by cash, cashier's check, certified check or money order made payable and sent to the following: Source One Mortgage Corporation 27555 FarrniIJgton Road FarrniIJgton Hills, MI 48334-3357 Attention: Loan Counselor You can cure any other default by taking the following action within thirt;sr (30) days of the date of this letter. - IF YOU DO NOT CURE THE DEFAULT If you do not cure the defuult within thirty (30) da;ys of the date oftbis Notice, the creditor intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may 1000 the chance to ;pay'the mortgage in'monthly installments. If full payment of the total amount past due is not made within thirty (30) days, the creditor also intends to instruct its attomey to start a lawsuit to foreclose upon vourmortl!:as;ed propertv. IF THE MORTGAGE IS FORECLOSED UPON The mortgaged property will be saId by the Sheriff to payoff the mortgage debt. If the creditor refers your case to its attomeys but you cure the delinquency before the creditor begins legal proceedings against you, you will still be required to pay the reasonable attomey fees that were actually incurred up to $50.00. However, iflegal proceedings are started against you, you will have to pay all reasonable attomey fees actually incurred by the creditor even if they exceed $50.00. Any attorney fees will be added to the amount you owe the creditor, which maY also include other reasonable costs. !fvou ~ the default within the THIRTY (30) IMY PERIOD. vou will not be reQUired to RID: the attorney fees. . OTHER CREDITOR REMEDIES The creditor may also sue you personally for the unpaid principal balance and other sums due under the mortgage. You can not be sued personally if you have obtained a dis~ in a Bankruptcy proceeding. In that circumstance, suit will be for the property only. - " RIGHT TO CURE THE DEFAULT PRIOR TO THE SHERIFF'S SALE If you have cured the default within the THIRTY (30) day period and foreclosure proceedings have begun, vou still have the !i,gg1 to ~ the default and prevent the sale at anv time !!t! to Page 4 of 5 ., ..- ....", - ,~.. . """.':,". . , .y;, '.":. , ~; ,-:" Page #5 ~ hour before the Sheriffs sale. You ,.,.,"'v do .1!2.Qy paving the toW =ount plus anv late ill: other charges then due. reasonable attornev fees and costs co=ected with.!;]m foreclosure sale and anV other costs connected with the Sheriffs sale and Qy perform;"'" anv other reauirements under the momalre. EARLIEST POSSIBLE SHERIFF'S SALE DATE It is estimated that the earliest date that such a Sheriff's sale of the mortgaged properly could be held would be approximately nine (9) months from the date of this Notice. A Notice of the actual 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 or action will be by conta<:ting the creditor. If money is due, such payment must be in cash, cashier's check or money order made payable to the credi::OE at the address set forth above. EFFECT OF THE SHERIFF'S SALE DATE You should realize that a Sheriffs sale will end your ownership of the mortgage property and your right to occupy it. If YoU continue to live in the properly after the Sheriff's sale, a lawsuit to remove you and your furnishings and other belongings could be started by the creditor at any time. OTHER RIGHTS YOU HAVE You have additional rights to help protect your interest in the property. YOU ALSO HAVE THE FOLLOWING RIGHTS: 1. SELL THE PROPERTY TO OBTAIN MONEY TO PAYOFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAYOFF THIS DEBT. 2. SELL OR TRANSFER THE PROPERlY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND A'ITORNEY FEES AND REQUIREMENTS OF THE MORTGAGE ARE SATISFIED. CONTACT THE CREDITOR TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. 3. HAVE THIS DEFAULT CURED BY ANY THIRD PARlY ActING ON YOUR.BEHALF. 4. HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ONE CALENDAR YEAR. 5. ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. 6. . ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE CREDITOR. Sincerely, Collection Department 1-800-366-3003 (Toll Free) 1-800-578-9750 (Hearing Impaired) Fage Sof5 " w". ~ ~ureeOne - ~ Mort@geCorp<ration 27555 Farmington Road Fa:mDngton Hills, ~II 48334-3357 COMBINED ACT 91 AND ACT 6 NOTICE rf1'1I~" (Pi, IZ."J ").?II Iv r",,,t .;+'t) 1001. I-J"":,)'''''I PIi 17/'0 _ i I if- "3 - 9 Cj Subject: SOMC Account Number: 5' [) 52.07'1 '{ - 6 Mortgagor's Name(s): V;I))~> r~. i<_rJ ~ R,ber", L. r<--J Property Address: "70 'r 6 f}, Sf :Vn" (""L{/c,,,J; PtI 17070 Creditor: Ji,J I 'I Ii I Dear I' y>S fYI, ,~c, v' YOUR MORTGAGE IS IN DEFAULT FOR THE REASONS SET FORTH IN THIS NOTICE. YOUR LENDER MAY FORECLOSE AND YOU MAY LOSE YOUR HOME. IF YOU WANT TO SAVE YOUR HOME FROM FORECLOSURE, YOU MUST TAKE ACTION NOW BY ONE OF THE FOLLOWING STEPS: 1. CURING THE DEFAULT. This notice explains the nature of the default and your rights to protect your interest in your home. Refer to Section 403 of the Act of Januaxy 30, 1974 (P.L. 13, Number 6),41 P.S. Section 403) -OR- 2. APPLYING TO THE HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. Read this notice to :find out how the program works. You must meet with g Consumer Credit CounseHn<Y kencv within i:ill!tY (301 davs of the date oftbis Notice in order to ,grm!y . Refer to Act of December 23, 1983 (P.L. 385, Number 91) 35 P.S. Section 1680.201c- 1680.409c. If you need further information, contact the Pennsylvania Housing Finance Agency at 1-800-342-2397. ll6IF-<l1> Page 1 of5 '-.., ~ '. .. ~...:,.~ ...,...... . .:'; /, ~,~;.. ';- .:- ,'.... 4 '''t '.:!" Page #2 LA NOTlFICACI.oN EN ADJUNT.o ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTlFICACION OBTENGA UNA TRADUCCI.oN INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONAD.o ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PR.oGRAM" EL CULA PUEDE SALVAR SU CASA LA PERDIDA DEL DERECHO A REDIMIR SU HlPOTECA. EMERGENCY MORTGAGE ASSISTANCE PR.oGRAM YOU MAY BE ELIGIBLE F.oR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR H.oME FROM FORECLOSURE AND HELP MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOIJ MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSIsTANCE IF YOUR DEFAUr,.'r f!AS BEENC.lWSED BY CIRCUMSTANCES BEYOND YOUR C.oNTROL, IF YOU HAVE A REAS.oNABLE PROSPECT.oF RESUMING y.oUR MORTGAGE PAYMENTS AND IF YOU MEET OTHER ELIGIBIUTY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA H.oUSING FINANCE AGENCY. PLEASE READ ALL .oF THIS NOTICE. IT C.oNTAlNS AN EXPLANATION .oF y.oUR RIGHTS. TEMPORARY STAY OF FORECLOSURE Under the Act, you are entitled to a temporary sta;y of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time, you must arrange and attend a "face- to-face" meeting with a representative of the creditor or with a designated Consumer Credit C01lD_H"g Agency. The purpose of this meeting is to attempt to work out a Repayment Plan or to otherwise settle your delinquency. This meeting must occur within the next thirty (30) days. HOW TO CONTACT THE CREDITOR .oR/SERVICER: . Source .one Mortgage Corporation 27555 Farmington Road Farmington Hills, MI 48334-3357 Attention: Loan Counselor 1-800-366-3003 (Toll Free) 1-800-578-9750 (Hearing Impaired) CONSUMER CREDIT COUNSELING AGENCY If you meet with your creditor or with a Consumer Credit Con,,_H,,!> Agency identified in this Notice, the creditor may not take action against you for thirty (30) days after the date of this meeting. The names and addresses of the designated Consumer Credit Counseling Agencies for the coun1;y in which the proper1;y is located are shown on the attached sheet. It is only necessary to schedule one "face-to-face" meeting. Advise your creditor immeclia:tely of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE Your mortgage is in default for the reasons set forth in this Notice. If you have tried and are unable to resolve this problem. with the creditor, you have the right to apply for :financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated Consumer Credit Counseling Agencies listed on the attachment. Only Consumer Credit Counseling Agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. . Page2o!S , '. Page #3 Your application must be filed or postmarked within thir1y (30) days of your "face-to-face>> meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORrH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION Available funds for emergency mortgage assistance are vel}' limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. It is extremely important that your application is accmate and complete in evel}' respect. The Pennsylvania Housing Agency has sixty (60) days to make a decision after it receives your application. Duringtliat 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 the Pennsylvania Housing Finance Agency of its decision regarding your application. THE PENNSYLVANIA HOUSING FINANCE AGENCY IS LOCATED AT: 2101 NORTH FRONT STREET - POST OFFICE BOX 8029 HARRISBURG, PA 17105 (717) 780-3-800 (717) 780-1869 - HEARING IMPAIRED 1-800-342-2397 - TOLL FREE HOW YOUR MORrGAGE IS IN DEFAULT: NATURE OF THE DEFAULT The mortgage debt held by the above creditor on the property located at the following address: Jf.,Gl (J.j c,f- :/VI /C'il ". , ."','" ( ;--f' f ..f/i'? '1/ p "V ~ 1..( ;i.i 1>'" .(,'r'fr:;!. ,v tt , ,; ;(770 IS SERIOUSLY IN DEFAULT BECAUSE: 1. YOU HAVE NOT MADE THE MONTHLY MORTGAGE PAYMENTS. The following amounts are now past due: TOTAL AMOUNT PAST DUE $ $ $ q/ Z" $ $ :\/ <;" F In c< " , - . - $ ? 7<;' . ~~ r.j "f'a;.:e::lo o~$ ";:""'\" ,. .~, Page #4 2. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION: EXPLAIN: )("'''17 v1(J , HOW TO THE CURE THE DEFAULT. You may cure the default within THIRTY (30) days of the date oftbis Notice BY PAYING THE TOTAL AMOUNT PAST DUE to the creditor pIus any additional monthly p"Wffients and late charges and any aPl?licabIe fees and costs which may fall due after the date of this Notice and the date you make yOur payment. Payments must be made either by cash, cashier's check, certified check or money order made payable and sent to the following: Source One Mortgage Corporation 27555 Farmington Road Farmington Hills, MI 48334-3357 Attention: Loan Counselor vv-: t h fh c ( j CJC"V d ~ r(.1fi~1.'iJ . 5' , , You can cure any other default by taking the following action within thir1;y (30) days of the date of this letter. IF YOU DO NOT CURE THE DEFAULT If you do not cure the default within f:b.iro/ (30) days of the date of this Notice, the creditor intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may 10se the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within tpirty (30) days, the creditor also. intends to instruct its attomey to start a lawsuit to foreclose upon vour mortl!:Med mopertv-. IF THE MORTGAGE IS FORECLOSED UPON The mortgaged property will be sold by the Sheriff to payoff the mortgage debt. If the creditor refers your case to its attomeys but you cure the delinquency before the creditor begins legal proceedings against you, you will still be required to pay the reasonable attomey fees that were actually incurred up to $50.00. However, iflegal proceedings are started against you, you will have to 'pay all reasonable attomey fees actually incurred by the creditor even if they exceed $50.00. Any attomey fees will be added to thel:U:nount you owe the creditor, which may also include other reasonable costs. !fvou ~ th~ default within the THIRTY (30) DAY PERIOD. you will not be required to :egy the attomev fees. OTHER CREDITOR REMEDIES The creditor may also sue you personally for the unpaid principal balance and other sums due under the mortgage. You can not be sued personally if you have obtained a discharge. in a Bankruptcy proceeding. In that circumstance, suit will be for the property only. RIGHT TO CURE THE DEFAULT PRIOR TO THE SHERIFF'S SALE lfyou have cured the default within the THIRTY (30) day period and foreclosure proceedings have begun, yOU ~ have the rig9j; to ~ the default and prevent the sale at anv ti-m" .!dE to Page 4 015 ',."'.p ...:;..~'~~;, '.' ~. .,' . ----~'.-_. ~ -" >, . ~. .-~~~- , .... '---:--'~-7";'->_"~'~'.-'--~''''''j ....... ",'> -... 'o^ . ., Page #5 ~ hour before the Sheriff's sale. You mav do ~ :Qy pavine: the total amount plus any late or other char"es then due. reasonable attomev fees and costs connected with the foreclosure sale and anY other costs connected with the Sheriff's sale and IDe oerform;"'" any other reauirements under the mortgage. EARLIEST POSSIBLE SHERIFF'S SALE DATE It is estimated that the earliest date that such a Sheriff's sale of the mortgaged property could be held would be approxi,.",,-tf"Jy'ni:ne (9) months from the date oftbis Notice. A Notice of the actual 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 exactJ,y what the required payment or action will be by contacting the creditor. If money is due, such payment must be in cash, cashier's check or money order made payable to the credi!O! at the address set forth above. EFFECT OFTHE SHERIFF'S SALE DATE You should realize that a Sheriff's sale will end your ownership of the mortgage property and your right to occupy it. IfyClu continue to live in the property after the Sheriff's sale, a lawsuit to remove you and your furnishi:ngs and other belongings could be started by the creditor at any time. OTHER RIGHTS yoU HAVE You have additional rights to help protect your interest in the property. YOU ALSO HAVE THE FOLWWING RIGHTS: 1. SELL THE PROPERTY TO OBTAIN MONEY TO PAYOFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAYOFF TIDS DEBT. 2. SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND A'ITORNEY FEES AND REQUIREMENTS OF THE MORTGAGE ARE SATISFIED. CONTACT THE CREDITOR TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. 3. HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR.BEHALF. 4. HAVE THE MORTGAGE RESTORED TO THE SAME POSmON AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ONE CALENDAR YEAR. 5. ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. 6. ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE CREDITOR. Sincerely, Collection Department 1-800-366-3003 (Toll Free) 1-800-578-9750 (Hearing Impaired) Page SoiS . - - '? C_. ~ So"\ll'CeOne ~ ~<>e Corporntion , ,.~:: "c ,=' 27555 Farmington Rood Farmington Hills, MI 48334-3357 COMBINED ACT 91 AND ACT 6 NOTICE ffj,.,,(C.~ /..... t.p~GI 30q G+ h S-I- IVp~ (,,",b,rio"J fJ1 .' 17070 J!. j'C('J Subject: SOMCAccountNumber: '5052-07lf1,- f:, Mortgagor's Name(s): rl1'I'T'5 1'1'1, ~,p<1 J- Property Adc4-ess: Joej f 1 h 5 -I- , I ! vi!- f\jf'''V (.. ';i )'fi ,l::,,(.../ .' ' , / ~f"bf({(, t... f? N j c. 11070 Creditor: Dear t'PhV{Oi L. .t?r-'>f') YOUR MORTGAGE IS IN DEFAULT FOR THE REASONS SET FORTH IN THIS NOTICE. YOUR LENDER MAY FORECLOSE AND YOU MAY LOSE YOUR HOME. IF YOU WANT TO SAVE YOUR HOME FROM FORECLOSURE, YOU MUST TAKE ACTION NOW BY ONE OF THE FOLLOWING STEPS: 1. CURING THE DEFAULT. This notice explains the nature of the default and your rights to protect your interest in your home. Refer to Section 403 of the Act of January 30, 1974 (P.L. 13, Number 6),41 P.S. Section 403) - OR- 2. APPLYING TO THE HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. Read this notice to find out how the program works. You must meet with g Consumer Credit CounS"H"" Agency within:l:!m:tY (30) days of~ date oftbis Notice in order to lYmlY. Refer to Act of Decem.her 23, 1983 (P.L. 385, Number 91) 35 P.S. Section 1680.201c- 1680.409c. If you need further information, contact the Pennsylvania Housing Finance Agency at 1-800-342-2397. . WI>'-ll' Page 1 oC5 '- ,>.~. ~ (::",. Page #2 LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFlCACION OBTENGA UNA TRAD.OCCION INMEDITAMENTE LLAMANDO ESTAAGENCIA (PENNSYLVANIA HOUSING FlNANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO . ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CULA PUEDE SALVAR SU CASA LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF RESUMING YOUR MORTGAGE PAYMENTS AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. PLEASE READ ALL OF THIS NOTICE. IT CONTAINS AN EXPLANATION OF YOUR RIGHTS. TEMPORARY STAY OF FORECLOSURE Under the Act, you are entitled to a temporary- stay offorec1osure on your mortgage for thirty (30) ~s from the date of this Notice. During that time, you must arrange and attend a "face- to-face" meeting with a representative of the creditor or with a designated Consumer Credit Counseling Agency. The purpose of this meeting is to attempt to work out a Repayment Plan or to otherwise settle your delinquency. This meeting must occur within the next thirty (30) ~s. HOW TO CONTACT THE CREDITOR OR/SERVICER: Source One Mortgage Corporation 27555 Farmington Road Farmington Hills, MI 48334-3357 Attention: Loan Counselor 1-800-366-3003 (Toll Free) 1-800-578-9750 (Heapng Impaired) CONSUMER CREDIT COUNSELING AGENCY If you meet with your creditor or with a Consumer Credit Counseling Agency identified in this Notice, the creditor may not take action against you for thirty (30) days after the date of this meeting. The names and addresses of the designated Consumer Credit Counseling Agencies for the county in which the property is 10cated are shown on the attached sheet. It is only necessaIY to schedule one "face-to-face" meeting. Advise your creditor immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE Your mortgage is in default for the reasons set forth in this Notice. If you have tried and are unable to resolve this problem with the creditor, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign 'and file a completed Homeowner's Emergency Assistance Program Application with one of the designated Consumer Credit Counseling Agencies listed on the attachment. Only Consumer Credit Coll,,_H"g Agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Page 2 o!5 ..,. ~:~ ., Ii. I, ,~, Page #3 Your application must be filed or postmarked within thirty (30) days of your "face-to-face" meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORrH IN THIS LE'ITER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION Available funds for emergency mortgage assistance are vmy limited. They will be disbursed by the Agency under the eligibilii;y criteria established by the Act. It isextremely important that your application is accurate and complete. in every respect. The Pennsylvania Housing Agency has sixty (60) days to make a decision after it receives your application. Duringtliat 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 the Pennsylvania Housing Finance Agency of its decision regarding your application. THE PENNSYLVANIA HOUSING F1NANCE AGENCY IS LOCATED AT: 2101 NORrH FRONT STREET POST OFFICE BOX 8029 HARRISBURG, PA 17105 (717) 780-3800 (717) 780-1869 - HEARING IMPAIRED 1-800-342-2397 - TOLL FREE HOW YOUR MORrGAGE IS IN DEFAULT: NATURE OF THE DEFAULT The mortgage debt held by the above creditor on the proper1;y located at the following address: 30cI 'H fl. . rjpw {"'m),,,rl&it1J 14 I] -~ I Olu IS SERIOUSLY IN DEFAULT BECAUSE: 1. YOU HAVE NOT MADE THE MONTHLY MORrGAGE PAYMENTS. The following amounts are now past due: $ $ $ c I $ $ TOTAL AMOUNT PAST DUE I 00 0,- $;;l. 7'5'j, Vi 1'age'3 or5 ,,<, ..... '-: . ;:~ : Page #4 2. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION: EXPLAIN: /L ~ 'PI] l'10 w,-th , t'hQt1fjMi'" rOt: '/ [\1 ,tllJ'11 .; ~ , HOW TO THE CURE THE DEFAULT You may cure the default within THIRTY (30) days of the date oftbis Notice BY PAYING THE TOTAL AMOUNT PAST DUE to the creditor plus a:o;sr additional montbly payments and late charges and any applicable fees and costs which ma,y fall due after the date oftbis Notice and the date you make -your payment. Payments must be made either by cash, cashier's check, certified check or money order made pa,yable and sent to the fonowing: , Source One Mortgage Corporation 27555 Farmington Road Farmington Hills, MI 48334-3357 Attention: Loan Counselor You can cure any other default by taking the following action within -thirW (30) days of the date oftbis letter. ~ IF YOU DO NOT CURE THE DEFAULT If you do not cure the default within thirty (30) da,ys of the date oftbis Notice, the creditor intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance oftbis debt will be considered due immediately and you may lose the chance to 'pa,y 1he mortgage in montbly installments. Iffull payment of the total amount past due is not made .within thirty (30) days, the creditor also intends to instruct its attorney to start a lawsuit to foreclose upon your mortgaged propertv. IF THE MORTGAGE IS FORECLOSED UPON The mortgaged property will be saId by the Sheriff to payoff the mortgage debt. If the creditor refers your case to its attorneys but you cure the delinquency before the creditor begins legal proceedings against you, you will still be requiied to pay the reasonable attorney fees that were actually incurred up to $50.00. However, iflegal proceedings are started against you, you will have to pay all reasonable attorney fees actually incurred by the creditor even if they exceed $50.00. Any attorney fees will be added to the anrount you 0_ the creditor, which may also include other reasonable costs, .!fY2!! ~ the d€fa.ult within the THIRTY (30) .Q8,Y PERIOD. vou will not be required to lli!Y the attornev fees. ! !. ,_;; OTHER CREDITOR REMEDIES The creditor may also sue you personally for the unpaid principal balance and,other sums due under the mortgage. You can not be sued personally if you have obtained a disc~ in ~ Bankruptcy proceeding. In that circumstance, suit will be for the property only. ' . ., RIGHT TO CURE THE DEFAULT PRIOR TO THE SHERIFF'S SALE If you have =ed the default within the THIRTY (30) day period and foreclosure proceedings have begun, VOll still have the ~ to ~ the default and prevent the sale at anv ~ :lID. to Page"," of 5 ~ I) . "'. " l~':. ':' Page #5 Qill; hour before the Sheriff's sale. You ID"':V do J!Q BY Pav7n'" the total amount plus anv late!!!: other charges then due. reasonable attomev fees and costs connected with the foreclosure sale and any ~ costs connected with the Sherift's sale and BY perform;n", anv other reQUirements under the morte'a2e. EARLIEST POSSIBLE SHERIFF'S SALE DATE It is estimated that the earliest date that such a Sherifi's sale of the mortgaged property could be held would be approximately nine (9) months from the date oftbis Notice. A l'lotice of the actual date of the Sherift'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 or action will be by contacting the creditor. If money is due, such payment must be in cash, cashier'scl1eCk or money order made payable to the creditor at the address set forth above. EFFECT OF THE SHERIFF'S SALE DATE You should realize that a Sherifi's sale will end your owi:tership of the mortgage property and your right to occupy it. If you continue to live in the property after the Sherift's sale, a lawsuit to remove you and your fuTrij"h;ngs and other belongings could be started by the creditor at any time. OTHER RIGHTS YOU HAVE You have additional rights to help protect your interest in the property. YOU ALSO HAVE THE FOLLOWING RIGHTS: 1. SELL THE PROPERTY TO OBTAIN MONEY TO PAYOFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAYOFF THIS DEBT. 2. SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDI:t'IG PAYMENTS, CHARGES AND.ATIORNEY FEES AND REQUIREMENTS OF THE MORTGAGE ARE SATISF1ED. CONTACT THE CREDITOR TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. 3. HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. 4. HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ONE CALENDAR YEAR. 5. ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. 6. ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE CREDITOR. Sincerely, Collection Department 1-800-366-3003 (Toll Free) 1-800-578-9750 (Hearing Impaired) p~cSor5 . ~ ,/~ . ~ ~ SourceOne ,-.. ~ ~ Cm-po<ation 27555 Fannington Road Fannington Hills, MI <W334-3357 COMBINED ACT 91 AND ACT 6 NOTICE rn \j II'S {h, R f~o/ ~oq6H';;'; , .. ( I . I' iVp",,,,< I.i.~-I b..t la.,oj, fil 17070 11- 3 - 1r Su~ect: SOMC Account Number: l)?Jr;"Z07'/(j- b I Mortgagor's Name(s): il1y h 111. Kef) + R "b'~((1 L. R" J Property Address: 30'1 6 f il 5+ JVDv-- ( LI,,, bo, )"",,1; P ,4 i 70 7D Creditor: Dear ,1'1 I ",!J ~ r I \j .-f$ {'), r.- '/""Pc? , YOUR MORTGAGE IS IN DEFAULT FOR THE REASONS SET FORTH IN THIS NOTICE. YOUR LENDER MAY FORECLOSE AND YOU MAY LOSE YOUR HOME. IF YOU WANT TO SAVE YOUR HOME FROM FORECLOSURE, YOU MUST TAKE ACTION NOW BY ONE OF THE FOLLOWING STEPS: 1. CURING THE DEFAULT. 1bis notice explains the nature of the default and your rights to protect your interest in your home. / Refer to Section 403 of the Act of January 30, 1974 (P.L. 13, Number 6), 41 P,S. Section 403) . -OR- 2. APPLYING TO THE HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FuTuRE MORTGAGE PAYMENTS. Read this notice to :find out how the program works. You must meet with >!- Consumer Credit Counseline A<!encv within ~ (30) davs of the date of this Notice in order to !!I!:E!Y . Refer to Act of December 23, 1983 (P.L, 385, Number 91) 35 P.S. Section 1680.201c-- 1680.409c. If you need further information, contact the Pennsylvania Housing Finance Agency at 1-800-342-2397. 2261F-86 Page 1 crs ...... 4:" . ~ - .~ ,,~ ('~::: ,: Page #2 . LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORrANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVlENDO EN SU CASA. SI NO COMPRENDE EL CONTENlDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDlTAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO. ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNERS EMERGENCY MORrGAGE ASSISTANCE PROGRAM" EL CULA PUEDE SALVAR SU CASA LA PERDlDA DEL DERECHO A REDIMIR SU HIPOTECA EMERGENCY MORrGAGE ASSISTANCE PROGRAM YOU MAY BE EUGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP MAKE FUTURE MORrGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORrGAGE ASSISTANCE ACT OF 1983 (THE "AC'l"'), YOU MAY BE ELIGIBLE FOR EMERGENCY MORrGAGE ASSISTANCE IF YOUR DEFAULT'HAS BEEN ,CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A.'REASONABLE PROSPECT OF RESUMING YOUR MORrGAGE PAYMENTS AND IF YOU MEET OTHERELIGIBILl1Y REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. PLEASE READ ALL OF THIS NOTICE.rf CONTAINS AN EXPLANATION OF YOUR RIGHTS. TEMPORARY STAY OF FORECLOSURE Under the Act, you are entitled to a temporaIY stay offoreclosure on your mortgage for thir1;y (30) days from the date. of this Notice. During that time, you must arrange and attend a "face- to-face" meeting with a representative of the creditor or with a designated Consumer Credit Counseling Agency. The purpose of this meeting is to attempt to work out a Repayment Plan or to otherwise settle your delinquency. 1bis meeting must occur within the next thir1;y (30) iliws. HOW TO CONTACT THE CREDITOR OR/SERVICER: Source One Mortgage Corporation 27555 Farmington Road Farmington Hills, MI 48334-3357 Attention: Loan Counselor 1-800-366-3003 (Toll Free) 1-800-578-9750 (Heapng Impaired) CONSUMER CREDIT COUNSELING AGENCY If you meet with your creditor or with a Consumer Credit Counseling Agency identified in this Notice, the creditor may not take action against you for thirty (30) days after the date of this meeting. The names and addresses of the designated Consumer Credit Counseling Agencies for the county in which the property is 10cated are shown on the attached sheet. It is only necessazy to schedule one "face-to-face" meeting. Advise your creditor immediately of your intentions. APPLICATION FOR MORrGAGE ASSISTANCE Your mortgage is in default for the reasons set forth in this Notice. If you have tried and are unable to resolve this problem with the creditor, you have the right to apply for :financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated Consumer Credit Counseling Agencies listed on the attachment. Only Consumer Credit COlm_ling Agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Page20IS (.-":," .... ".... .~ Page #3 Your application must be filed or postmarked within tbir1;y (30) days of your "face-to-face" meeting. YOU MUST FILE YOUR .APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORrH IN THIS LEITER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR .APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACfION Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eJigi.bili1y criteria established by the Act. It is extremely important that your application is ac=ate and complete in eveIY respect. The Pennsylvania Housing Agency has sixW (60) days to make a decision after it receives your application. Duringtli.at 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 the Pennsylvania Housing Finance Agency of its decision regarding your application. THE PENNSYLVANIA HOUSING FINANCE AGENCY IS LOCATED AT: 2101 NORTH FRONT STREET POST OFFICE BOX 8029 HARRISBURG, PA 17105 (717) 780-3800 (717) 780-1869 - HEARING IMPAIRED 1-800-342-2397 - TOLL FREE HOW YOUR MORTGAGE IS IN DEFAULT: NATURE OF THE DEFAULT The mortgage debt held by the above creditor on the property located at the following address: 10'1 ('H. 51 Nt'''"' (""",htt It,"J, PR 11070 IS SERIOUSLY IN DEFAULT BECAUSE: 1. YOU HAVE NOT MADE THE MONTHLY MORTGAGE PAYMENTS. The following amounts are now past due: tff@gMlY%wr:f.WffmrmmffifWnnmn-rt@ft~":~:.-~~~~"ijm;lf%M$fb!1t:Wmt1EtW~mmtlff~:f1:1mL1: .g~mWmWWmlmA~$ft!{f:nrWnNmTr.fNtmm Pa ents of Princi al and Interest $ a. 5' '15 Escrow C $ Late C $ d. Attom fees and costs $ Other charges: Explain $ ;V5p c 10, <:2-. $"d-.'75 :i.::L TOTAL AMOUNT PAST DUE Page 3 QtS .41 ~ . t .' - Page #4 2. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION: EXPLAIN: ( k f'l"j? vtp +-, k/ I! h Y~C(!9qiJl fn y", 'Ii f.5 HOW TO THE CURE THE DEFAULT You may cure the default within THIRTY (30) days of the date of this Notice BY PAYING THE TOTAL AMOUNT PAST DUE to the creditor plus any additional monthly payments and late charges and any applicable fees and costs which may fall due after the date of this Notice and the date you make your payment. Payments must be made either by cash, cashier's check, certified check or money order made payable and sent to the following: Source One Mortgage Corporation 27555 Farmington Road Farmington Hills, MI 48334-3357 Attention: Loan Counselor You can cure any other default by taking the following action within thir1;y (30) days of the date of this letter. IF YOU DO NOT CURE THE DEFAULT lfyou do not cure the defuult within thir1;y (30) days of the date of this Notice, the creditor intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within thir1;y (30) days, the creditor also. intends to instruct its attomey to start a lawsuit to foreclose upon y!!y!: mort2am>d propertv. IF THE MORTGAGE IS FORECLOSED UPON The mortgaged property will be sold by the Sheriff to payoff the mortgage debt. If the creditor refers your case to its attomeys but you cure the delinquency befure the creditor begins legal proceedings against you, you will still be required to pay the reasonable attomey fees that were actually incurred up to $50.00. However, iflega1 proceedings are started against you, you will have to pay all reasonable attomey fees actually incurred by the creditor even if they exceed $50.00. Any attomey fees will be added to the amount you owe the creditor, which may also include other reasonable costs. !fvou ~ the default within the THIRTY (30) DAY PERIOD. vou will not be required to ~ the attomev fees. OTHER CREDITOR REMEDIES The creditor may also sue you personally for the unpaid principal balance and other sums due under the mortgage. You can not be sued personally if you have obtained a discharge in a Bankruptcy proceeding. In that circumstance, suit will be for the propert)- only. RIGHT TO CURE THE DEFAULT PRIOR TO THE SHERIFF'S SALE lfyou have cured the default within the THIRTY (30) day period and foreclosure proceedings have begun, you still have the righj; to ~ the default and prevent the sale at anv time!!E to ~40[5 , . t..~.~ ~. Page #5 ~ hour before the Sheriff's sale. You mav do so Qy pavin". the total amount pIus anv late !!!: other charges then due. reasonable attornev fees and costs connected with the foreclosure sale and anv ~ costs connected with the Sheriff's sale and hY per.form;n.,. anv other reQUirements under the mort:.P'a2'e. EARLIEST POSSIBLE SHERIFF'S SALE DATE It is estimated that the' earliest elate that such a Sherifl's sale of the mortgaged property could be held would bi; approximately nine (9) months from the date oftbis Notice: A Notice of the actual date of the She~s sale ~ be sent to you before the sale. . . Of course, the amount needed to cure the default will increase the lo:oger you wait. You may find out at any time exactly what the required p~ent or action will be by contacting the creditor. Ifmoney is due, 'such payment muSt be in cash, cashier's check or money order made payable to the creditor at the address set forth above. EFFECT OF THE SHERIFF'S SALE DATE You should realize that a Sheriff's sale will end your ownership of the mortgage property and your rlgb.t to occupy it. If you continue to live in the property after the Sheriff's sale, a lawsuit to remove you and your f\.u:ri;"h;ngs and other belongings could be started by the creditor at any time. . OTHER RIGHTS YOU HAVE You have additional rlgb.ts to help protect your interest in the property. YOU ALSO HAVE THE FOLLOWING RIGHTS: 1. SELL THE PROPERTY TO OBTAIN MONEY TO PAYOFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAYOFF THIS DEBT. 2. SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDI~G PAYMENTS, CHARGES AND. ATIORNEY FEES AND REQUIREMENTS OF THE MORTGAGE ARE SATISFIED. CONTACT THE CREDITOR TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. 3. HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. 4. HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO 'DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ONE CALENDAR YEAR. 5. ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCQMENTS. 6. ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE CREDITOR. .' Sincerely, Collection Department 1-800-366-3003 (Toll Free) 1-800-578-9750 (Hearing Impaired) ~~",5C1!"5 ~fi .~ ~~ '1 0 . c 06 -- .0 Cv ~ ~ jJ 1! ~ 1- I CO D d _ C'" -;-j <':'" -"t'1 -eri :-'1 :-;j [1'~ G? :::.~. r:-:: "..' -.' -<. .:.- f"'i~ ;--...) -- :"~l f:;,:) -:-:J --~-< _:: .: -:,<---~ b-..:). .....: 1"1 . =< 4."if' ,! G SHERIFF'S RETURN - OUT OF COUNTY CASE NO, 2000-01109 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND WHITE MOUNTAINS SERVICES CORP VS REED MYLES M ET AL R. Thomas Kline , Sheriff or Deputy Sheriff who being duly sworn according to law, says, that he made a diligent search and and inquiry for the within named DEFENDANT , to wit: REED MYLES M but was unable to locate Him in his bailiwick. He therefore deputized the sheriff of DAUPHIN serve the within COMPLAINT - MORT FORE County, Pennsylvania, to 21st , 2000 , this office was in receipt of the On March attached return from DAUPHIN Sheriff's Costs: Docketing Out of County Surcharge Dep. Dauphin Co 18.00 9.00 10.00 31.50 .00 68.50 03/21/2000 COMROE, HING So an~/ ~ R~mas Kliq Sheriff of Cumberland County & ASSOCIATES Sworn and subscribed to before me this &"'== day of O~ ;L;ru-i) A.D. . ~.,. . Q "rhJf-' . -' / prothonota;; ~ SHERIFF'S RETURN - OUT OF COUNTY CASE NO, 2000-01109 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND WHITE MOUNTAINS SERVICES CORP VS REED MYLES M ET AL R. Thomas Kline , Sheriff or Deputy Sheriff who being duly sworn according to law, says, that he made a diligent search and and inquiry for the within named DEFENDANT / to wit: REED REBECCA L A/K/A REBECCA EDEN A/K/A REBECCA TROUTMAN but was unable to locate Her in his bailiwick. He therefore deputized the sheriff of DAUPHIN serve the within COMPLAINT - MORT FORE County, Pennsylvania, to On March 21st, 2000 , this office was in receipt of the attached return from DAUPHIN Sheriff's Costs: So ~~~ ~~:~!~~un'y ,:11 RJ;h~he .... .00 Sheriff of Cumberland County .00 16.00 03/21/2000 COMROE, HING & ASSOCIATES Sworn and subscribed to before me this t.,~ day of ~ 021YD-O A.D. C)-.,n Q~ uu . 'Y~ prothonotar' SHERIFF'S RETURN - NOT FOUND CASE NO: 2000-01109 P COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND WHITE MOUNTAINS SERVICES CORP VS REED MYLES M ET AL R. Thomas Kline ,Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named defendant, DEFENDANT TERRE/TENANT but was unable to locate Him in his bailiwick. He therefore returns the COMPLAINT - MORT FORE NOTICE , NOT FOUND , as to , TERRE/TENANT the within named DEFENDANT " NO OCCUPANTS AT ABOVE ADDRESS, PROPERTY IS VACANT. Sheriff's Costs: Docketing Service Not Found Return Surcharge 6.00 11.16 5.00 10.00 .00 32.16 S~ R. Thomas Kli e Sheriff of Cumberland County COMROE, HING & ASSOCIATES 03/21/2000 Sworn and subscribed to before me this ,c/. r=:- day of ~"jJ :<-am A.D. r! .()~ "~ p";:Jtito;"otary - @ffit~ of tqc ~1re:r-iff Mary Jane Snyder Real Estate Deputy William T. Tully Solicitor Ralph G. McAllister Chief Deputy Michael W. Rinehart Assistant Chief Deputy Dauphin County Harrisburg, Pennsylvania 17101 ph: (717) 255-2660 tax: (717) 255-2889 Jack Lotwick Sheriff Commonwealth of Pennsylvania WHITE MOUNTAINS SERVICES CORP vs County of Dauphin REED MYLES L Sheriff's Return No. 0510-T - -2000 OTHER COUNTY NO. 2000-1109 AND NOW: March 14, 2000 at 8:39AM served the within NOTICE & COMPLAINT IN CIVIL ACTION upon REED MYLES L by personally handing to DEFT 1 true attested copy (ies) of the original NOTICE & COMPLAINT IN CIVIL ACTION and making known to him/her the contents thereof at DAUPHIN COUNTY COURT HOUSE FRONT AND MARKET ST HBG, PA 17101-0000 Sworn and subscribed to So Answers, JKcJf~ before me this 15TH day of MARCH. 2000 0trO/wG ri ~ (/~ . I I L-. r) tlJwJui) PROTHONOTARY Sheriff of Dauphin County, Pa. BY~~ Deputy Sheriff Sheriff's Costs: $31~50 PD03/06/2000 RCPT NO 134186 RH @ffit~ of tIre ~1re:r-iff Mary Jane Sn.yder Real Estate Deputy William T. Tully Solicitor Ralph G. McAllister Chief Deputy Michael W. Rinehart Assistant Chief Deputy Dauphin County Harrisburg, Pennsylvania 1710 1 ph: (717) 255-2660 tax: (717) 255-2889 Jack Lotwick Sheriff Commonwealth of Pennsylvania WHITE MOUNTAINS SERVICES CORP vs County of Dauphin REED MYLES L Sheriff's Return No. 0510-T - -2000 OTHER COUNTY NO. 2000-1109 AND NOW: March 14. 2000 at 8:39AM served the within NOTICE & COMPLAINT IN CIVIL ACTION upon REED REBECCA L A/K/A REBECCA EDEN A/K/A REBECCA TROUTMAN to DEFT by personally handing 1 true attested copy(ies) of the original NOTICE & COMPLAINT IN CIVIL ACTION and making known to him/her the contents thereof at POE: RESIDENTIAL WARRANTY 5300 DERRY ST HBG, PA 17110-0000 PROTHONOTARY So Answers, JK;~ Sheriff of Dauphin County, Pa. BY~~ Deputy Sheriff Sworn and subscribed to befQre me this 15TH day of MARCH. 2000 ~ c'!- (;J~ Sheriff's Costs: $31.50 PD 03/06/2000 RCPT NO 134186 RH In The Court of Common Pleas of Cumberland County, Pennsylvania ~hite Mountains Services Corp., et. al. VS. Myles L. Reed. et. al~ Serve: Myles L. Reed No. 20-1109 Civil Now, 311 , 20mL, I, SHERIFF OF CUMBERLAND COUNTY, PA,do hereby deputize the Sheriff of Dauphin County to execute this Writ, this deputation being made at the request and risk of the Plaintiff. . ;;C-~:, f Sheriff of CumbefIand County, P A Affidavit of Service Now, ,20-, at , . o'clock M. served the within upon at by handing to copy of the original a and made known to the contents thereof. So answers, Sheriff of County, PA Sworn and subscribed before me this _ day of , 20 COSTS. SERVICE MILEAGE AFFIDAVIT $ $ In The Court of Common Pleas of Cumberland County, Pennsylvania White Mountains Services Corporation, et. al. VS. Myles M. Reed, et.a 1. Serve: Rebecca L. Reed, a/k/a RebeccaTEden, 20-1109 Civil a/k/a Rebecca Troutman . N~ Now, 311100 . .,._., 20.QrL, I, SHERIFF OF CUJ'vffiERLAND COUNTY, PA, do hereby deputize the Sheriff of Dauphin County to execute this Writ, this deputation being made at the request and risk of the Plaintiff. ~ f Sheriff of Cumberland County,P A Affidavit of Service Now, ,20---,-, at o'clock M. served the within upon at by handing to copy of the original a and made known to the contents thereof. So answers, Sheriff of County, P A Swomand subscribed before me this _ day of , 20 COSTS SERVICE MILEAGE AFFIDAVIT $ $ ., Comroe, Hing & Associates By: David B. Comroe Identification No.: 25694 1700 Market Street, Suite 1400 Philadelphia, PA 19103 (215)568-0400 Attorneys for Plaintiff White Mountains Services Corporation, formerly known as Source One Mortgage Services Corporation 27555 Farmington Road Farmington Hills, MI 48334-3357 Plaintiff IN THE COURTbF COMMON PLEAS OF CUMBERLAND COUNTY avILArnON - LAW vs. ArnON OF MORTGAGE FORECLOSURE Myles M. Reed 2311 N. Front St., #1002, Harrisburg, PA 17110-1071 and Rebecca L Reed, aka Rebecca Eden. aka Rebecca Troutman 2311 N. Front St.. #1002, Harrisburg, PA 17110-1071 Defendants Term No. ;2(;00- 1/0C; C?,c.x."( I~ CIVIL ArnON: FORECLOSURE TRUE COpy FROM RECORD in TllStilT.o!l\l Whi"" \; ,.,; ur4:o slOtmy I".arud ;. ,', '. ., C~-\'el n.. ZMd tile SBa, f'l ',; ,.,,-..,',j, ""IS e. re. ~ Tttls ~ :~i~:"~;'~'/~b~ othonotary .................................................. ............................ ................................................................................ NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after the Complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND our WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 2 Liberty Avenue, Carlisle, PA (717) 249-3166 nllS IS A PROCESS ITw .?u~ aSE OF WHICH IS TO COLLECT A DEBT AND ANY ANYINFORMATION OBTAINED FROM YOU OR ONE ELSE WILL BE USED TO THAT END AVISO LE HAN DEMANDADO A USTED EN LA CORTE. SI DESEA DEFENDERSE CONTRA LAS QUEJAS PERESENTADAS, ES ABSOLUfAMENTE NECESSARIO QUE USTED RESPONDA DENTRO DE 20 DIAS DESPUES DE SER SERVIDO CON EsrA DEMANDA Y AVISO. PARA DEFENDERSE ES NECESSARIO QUE UsrED, 0 SU ABOGADO, REGISfRE CON LA CORTE EN FORMA ESCRITA, EL PUNTO DE VIsrA DE USfED Y CUALQUIER OBJECCION CONTRA LAS QUEJAS EN ESTA DEMANDA. RECUERDE: SI UsrED NO REPONDE A ESfA DEMANDA, SE PUEDE PROSEGUIR CON El PROCESO SIN SU PARTICIPACION. ENTONCES, LA COurE PUEDE, SIN NOTIFICARIO, DECIDIR A FAVOR DEL DEMANDANTE Y REQUERIRA QUE USTED CUMPLA CON TODAS LAS PROVISIONES DE ESTA DEMANDA. POR RAZON DE ESA DECISION. ES POSSIBLE QUE USfED PUEDA PERDER DINERO, PROPIEDAD U OTROS DERECHOS IMPORTANTES. LLEVE EsrA DEMANDA A UN ABOGADO IMMEDIATAMENTE. SI NO CONOCE A UN ABOGADO, lLAME AL "LAWYER REFERENCE SERVICE" (SERVICIO DE REFERENCIA DEb~ADOS), 215-238-6300. Cumberland County Bar Association 2 Liberty Avenue, Carlisle, PA. . (717) 249-3166 ~-i1~3~fJ:~. y~ ..\ :::J;:<.(..,....f,j~, '-~-~f, .!.~~-'~.<>.~-"ljSE 01:1 'IV ,':lll.:r~ is TO CO, t,aC.1' J.' D"'BT ' 'ND A' '\Y n""""''' ~ ... .l..t.l.,;,.",!t. "-J ~ .!.,...o .t"U" . ;t'0R1V1ATIOI-':j OBTAThTED FROM YOU OR ANYONEE1.SE 1''111..1. BE USED TO THAT END. 1. Plaintiff is White Mountains Services Corporation, formerly known as Source One Mortgage Services Corporation, with its principal offices at 27555 Farmington Road. Farmington Hills, MI 48334-3357. 2. Defendants are Myles M. Reed and Rebecca L. Reed and aka Rebecca Eden and aka Rebecca Troutman, with an address as set forth above. 3. On August 12, 1998 Defendants executed and delivered a Mortgage upon premises hereinafter described to Mortgage Investors Corporation. which mortgage was recorded in the Department of Record at Cumberland County, Pennsylvania in Mortgage Book 1477, at page 1103 on August 25, 1998. 4. The said mortgage was assigned on August 17, 1998 to Source One Mortgage Services Corporation, now known as White Mountains Services Corporation, said Assignment being recorded in Assignment of Mortgage Book No. 591, Page 691 on October 13, 1998. 5. The premi~ subject to said Mortgage are known as 309 6th St., . New Cumberland, Pennsylvania 17070 and are more particularly described in Exhibit "A" attached hereto and incorporated herein by reference. 6. The Defendants are the record and real owners ofthe said real estate subject to the Mortgage. 7. The said Mortgage is in default by reason of the fact that the monthly installments of prindpal, interest and escrow as due on May 1, 1999. and as due on the first day of each month thereafter are still due and owing and have not been paid; and by the terms of the said Mortgage, upon failure to make such payments when due, the whole of the prindpal balance and all interest due thereon, together with late charges and other recoverable sums and attorney's fee are now due and payable forthwith. 8. The monthly installment payment composed of prindpal, interest and escrow due under the terms of said Mortgage and Mortgage Note for each such month was THREE HUNDRED EIGHTY ONE DOLLARS AND 21 CENTS ($381.21), consisting of THREE HUNDRED EIGHT DOLlARS AND 84 CENTS ($308.84) for prindpal and interest, and 5EVENlY TWO DOLlARS AND 37 CENTS ($72.37) for escrow. In addition there are escrow deficits due. 9. The following amounts are therefore due and owing on said Mortgage: (a) Principal Debt (b) Late Charges at $15.04 per month from 05/01/99 to 02/09/2000 (c) Interest from 04/01/99 through 02/09/2000 at $8.97 per diem (d) Total Escrow Defidt to date (e) Reasonable Attorney's fees as in the above state amount reflect third party sale only. If the Mortgagor reinstates the account, attorney's fees will be reasonable based upon work performed. $46,148.89 $135.36 $2,817.65 $923.96 $2,307.44 (f) Title Report .." . .....S'" OF THIS IS A PROCESS. i':.:m ?<.Jrtru ,:, . WHICH IS TO COLLECT ADEBTM~~ INFORMATION OBTAJNED FRO , ANYONE ELSE WTI..L BE USED TO TIIA TEND. $335.00 (g) Court Filing Charge (h) Uncollected late Charge(s) $115.50 $10.00 $0.00 (i) Escrow Credit TOTAL AMOUNT DUE $52.793.80 In addition, interest at the rate of $8.97 per day on the unpaid principal balance will continue to accrue until the default Is resolved. Any payments which are allowable under the mortgage document and are necessary to protect Plaintiff. relating to real estate taxes owed or which become due on the mortgaged property together with fire or homeowners insurance premiums necessary to protect the Plaintiff, or any reasonable costs necessary to protect the property from waste or vandalism shall also become due and owing by Defendants to Plaintiff when expended by Plaintiff. 10. Pursuant to the provisions of Act No.6 of the Pennsylvania General Assembly dated January 30, 1974. as amended;a Notice of Intention to Foreclose Mortgage was mailed by Certified Mail, Return Receipt Requested to the Defendants at the aforesaid mortgaged premises. True and correct copies of said Notices are attached hereto and made a part hereof as Exhibit "S" and same are incorporated by reference herein as though here fully set forth at length. 11. Pursuant to the provisions of Act 91 of the Pennsylvania General Assembly dated December 13. 1983. "The Emergency Mortgage Relief Act", notices in accordance with the Homeowners' Emergency Assistance Act of 1983 were mailed by regular 1st class mail to the Defendants at the aforesaid mortgaged premises. WHEREFORE. Plaintiff prays judgment against Defendants in the sum of $52,793.80 plus interest and late charges at the contract rate to date of Judgment as set forth above and costs, both of suit and as set forth above. and for foreclosure and sale of the mortgaged premises. DATED: February 9, 2000 RespectfUlly submitted, ~ing & Associates By: ~.4mroe Supreme Court 1.D. 25694 Attorney for Plaintiff THIS IS A PROCESSTI-ffi PUR?OSE OF WHiCH IS TO COLLECT A DEBT AND ANY INFORMATION OBTAINED FROM YOU OR ANYONE ELSE wn , BE US2D TO TIU,,T &'8 . VERIFICATION for Plaintiff,having express authorization to enter into this verification verifies the foregoing Complaint in Mortgage Foreclosure and avers that the statements of fact therein contained are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities, and that same are true upon the signer's personal knowledge or information and belief. JANET LUTTMAN ASSOCIATE VICE PRESIDENT 9/1-(j IM~~ JANET LllTTMAN ASSOCIATE VICE PRESIDENT . ~ ;.. .". . :'''\;~~~~~~~~~' .. .~' .'::~; -;, ':~i;{f %,:~tL:; '~<:;f. . . ~~,~,. ~ ~_I ~:-:~,~~ ~,~~~~-~:-~~ ; -~~:::-~~w.~.,~ ~"~~~"~':'>~_:'~: i:.~;~:_:::'t'..' "; _.~.;.~~.:> :~.~~':..:~ .: ~." ".,:: ~ ~~::'~_~~~(~'W~"~:~~ .' .... '.- -'" .. .' .,'.' . :....~..;., ~ ,.. "',, .;... _:"'-~ DESCRIPTION ALL THAT CERTAIN tract or parcel of land and premises, Situate, lying and being in the Borough of New Cumberland in the County of Cumberland and Co=onwealth of Pennsylvania, more particularly described as follows: BEGINNING at a point on the Northern side of Sixth Street (50 feet wide) a distance of Twenty- . nine and five tenths (29.5) feet measured from a pin at the Northeastern corner of Sixth Street and Third Alley (20 feet wide); thence by other land now or formerly of Maude A. Bixler Estate North 31 degrees 30 minutes West a distance of seventy-five (75) feet to a point; thence by land now or formerly of W.J. Driver North 58 degrees 30 minutes East a distance of nineteen and one-tenth (19.1) feet to a point; thence by land now or formerly of the Maude A. BiXler Estate and conveyed to Ralph M. Shoop and Wife-and through the center line of a partition wall South 31 degrees 30 minutes East a distance ofs..eyenty-five (75.0) feet to a point on the Northern side of Sixth Street; thence along Sixth Street South 58 degrees 30 minutes West a distance of nineteen and one-tenth (19.1) feet to a point, the place of beginning. BEING" part of the Subdivision Plan of the Estate of Maude A. Bixler, as surveyed by D.P. Raffensperger and Associates, Camp Hill, Pennsylvania, on August 23, 1973 and recorded in the Office df the Recorder of Deeds of Cumberland County in Plan Book 24, page 78 on November 14, 1973. HAVING thereon erected a semi-detached frame dwelling house known and numbered as 309 6th Street, New Cumberland, Pennsylvania. Parcel # 25-24-0811-028A " .. ,-- .,.. ..,--.'..'."H...., _..:...._,..~_.-..'. ._.-.....-.....'.,-,.._.', ".' ....,.~_..-.:.: ...,..:.{..-.;'..:: -:-:'.-.-....r::. -;-. _.r...:, .;;.-:.;;"::r,"_~~'~~-_;".'.:..-,E_~. :_f~.._::i. .,~,''t.:..;:.:;~;0;::-='.::' '~,.:::..[.' '''.'::':': ';:. i.... .. . ~' - :":: -,-,-.."-. ;':.: r;--.;; '.-::: ""'-:'-.' ";~.: .~~~...; , - .. -. .: 'H , .,: ~ '~ ", ,':. _^--c,' . :.~.:: "..,.. :;'.':' -; r.' '._ ._:.: . . ". , :" ~ :~;:' :. . :'.' ~, ., , ."!.'.',,':.. ~: ~ '. . .",' -, - . :.-'~'" .'. ........ , , ... - ./ ..~..... -', . :tIl..;."" Sou:r:eeOne _:> ......j""'. ,.. MortgageCorpornnon ;,....-p..' . ,. '." 'P"{ ~I ., . ;.~, -.J J 27555 Farnrlngton Road Farmington Hills, MI 48334-3357 :'1...(10 .1., ," ~!_..- . COMBINED ACT 91 AND ACT 6 NOTICE geb,cr(q L, l<~pcl ;). 311 IV Fto"t or Hq("r;sb...r~1 PA SuJ:tiect :; to"d-. nll C Ii- .:;:. aCI / ' SOMCAccountNumber: '705'2.01YS-b Mortgagor's Name(s): ('1-, J~~ .fll ; -,J " K e b" '" '-. R e-J Property Ad<4ess: "3ocI' t h Sf iVY'"" (l.IMj~....,( !t.lt>J P A ! 7l) 70 , Creditor: Dear KPb-pcri.i L. K~....J YOUR MORTGAGE IS IN DEFAULT FOR THE REASONS SET FORTH IN THIS NOTICE. YOUR LENDER MAY FORECLOSE AND YOU MAY LOSE YOUR HOME. IF YOU WANT TO SAVE YOUR HOME FROM FORECLOSURE, YOU MUST TAKE ACfION NOW BY ONE OF THE FOLLOWING STEPS: -1.' . CURING THE DEFAULT. / .' V 2. .- v /..- v 2l6JF.S6 This notice explains the nature of the defanlt and your rights to protect your interest in your hom.e. Refer to Section 403 of the Act of Januazy 30, 1974 (P.L. 13, Number 6),41 P.i>. Section 403) , cO iC.. , v - OR - p:S (" APPLYING TO THE HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM FOR FINANCIAI;-AS::;!::i11l:NCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP--YOl::HvfAKE FUT~Om:GAGE PAYMENTS. Read this notice to find out how the program works. Y ou ~st ~ with g Consumer Credit CounseliTlp' Alrencv within ~ (30l davs of the date of this Notice in order to ~.' ~-. Refer to Act of December 23, 1983 (P.L. 385, Number 91) 35 P.S. Section 1680.201c- 1680.409c. If you need further information, contact the Pennsylvania Housing Finance Agency at 1-800-342-2397. Pa;;e 1 ofS ( ;.~ Page #2 LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVlENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA- UNA >fRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (pENNSYLVAN~ HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CULA PUEDE SALVAR SU CASA LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANClALASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP MAKE FUTURE MORTGAGE pAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT Of ].983 (THE "ACT'), YOU MAY BE;, ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE' A REASONABLE PROSPECf OF RESUIvIING YOUR MORTGAGE PAYMENTS AND IF YOU MEET OTHERELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. PLEASE READ ALL OF THIS NOTICE. IT CONTAINS AN EXPLANATION OF YOUR RIGHTS. TEMPORARY STAY OF FORECLOSURE Under the Act, you are' entitled to a temporary stay of foreclosure on your mortgage for thir1;y (30) days from the date of this Notice. During that time, you must arrange and attend a "face- to-face" meeting with a representative of the creditor or with a designated Consumer Credit Counseli:og Agency. The purpose of this meeting is to attempt to work out a Repayment Plan or to otherwise settle your delinquency. 1bis meeting must occur within the next thir1;y (30) days. HOW TO CONTACf THE CREDITOR ORjSERVICER: Source One Mortgage Corporation 27555 Farmington Road Farmington Hills, IvII 48334-3357 Attention: Loan Counselor 1-800-366-3003 (Toll Free) 1-800-578-9750 (Hearing Impaired) CONSUMER CREDIT COUNSELING AGENCY If you meet with your creditor or with a Consumer Credit Co",..,,,,,,ling Agency identified in this Notice, the creditor may not take action against you for thir1;y (30) days after the date of.this meeting. The names and addresses of the designated Cons=er Credit Counseling Agencies for the county in which the property is located are shown on the attached sheet. It is only necessazy to schedule one "face-to-face" meeting. Advise your creditor immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE Your mortgage is in default for the reasons set forth in this Notice. If you have tried and are unable to resolve this problem with the creditor, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program.. To do so, you must fill out, sign. and file a completed Homeowner's Emergency Assistance Program Application with one of the designated Consumer Credit Counseling Agencies listed on the att~<,hrnpnt. Only Consumer Credit Counseli:og Agencies have applications for the program and they w.ill assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Page 2 a!S .' j...;-, r... :- Page #3 Your application must be filed or postmarked within tbir1;y (30) days of your "face-to-face' meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECWSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION Available funds for emeIgency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibi1i1;y criteria established by the Act. It is extremely important that ' your application is accurate and complete in every respect. The Pennsylvania Housing Agency has sixt;y (60) days to make a decision after it receives your application. Dur:iniftliat 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 the Pennsylvania Housing Finance Agency of its decision regarding your application. THE PENNSYLVANIA HOUSING FINANCE AGENCY IS LOCATED AT: 2101 NORTH FRONT STREET POST OFFICE BOX 8029 HARRISBURG, PA 17105 (717) 780-3800 (717) 780-1869 - HEARING IMPAIRED 1-800-342-2397 - TOLL FREE HOW YOUR MORTGAGE IS IN DEFAULT: NATURE OF THE DEFAULT The mortgage debt held by the above creditor on the property located at the following address: 30'1 Hh )f Iv,',- (-,,., {~,.)"nol f r:; i7070 IS SERIOUSLY IN DEFAULT BECAUSE: 1. YOU HAVE NOT MADE THE MONTHLY MORTGAGE PAYMENTS. The following amounts are now past due: ~,mmmmit@%~@MmmM{l[mhMtm~mm@,:.::.:'::.:~':~':E;' ..~'::-~nmmrmwmmmrmmmr:mmnmMMmlmm;m HM:.1~tM~[m@~g~J%:fmmmHifrmmp1n: Pa: ents of Princi a1 and Interest $ ::;11: S' ,0 Escrow C es $ LateC es $ I "-' Attome fees and costs $ Other charges: E2q>1ain $ TOTAL AMOUNT PAST DUE -0 }r:f~ $0\.7,".~ __-3"-"""" "1_"r<: Page #4 2. YOU HAVE FAlLED TO TAKE THE FOLLOWING ACfION: EXPLAIN: l/ , I j ,. 1 r J!... '*'~~ l1.fJ to.. i r }1 1110 r ] ')~ f 'tl Y rswf r1 1 .J HOW TO THE CURE THE DEFAULT You may cure the default within THIRTY (30) days of the date of this Notice BY PAYING THE TOTAL AMOUNT PAST DUE to the creditor plus any additional monthly payments and late charges and any applicable fees and costs wbichmay fall due after the date of this Notice and, the date you make'your payment. Payments must be made either by cash. cashier's check. certified check or money order made payable and sent to the following: Source One Mortgage Corporation 27555 Farmington Road Farmington Hills, M1 48334-3357 Attention: Loan Counselor You can cure any other default by taking the following action within tbirt;y (30) days of the date of this letter. - , IF YOU DO NOT CURE THE DEFAULT If you do not cure the default within tbirt;y (30) days of the date oftbis Notice, the creditor intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to :p;w'the morti?;age in monthly installments. Iffull payment of the total amount past due is not made within t!iir1;y (30) days, the creditor also"intends to instruct its attorney to start a lawsuit to foreclose upon your morl:2:wred property. IF THE MORTGAGE IS FORECLOSED UPON The mortgaged property will be sold by the Sheriff to payoff the mortgage debt. If the creditor refers your case to its attorneys but you cure the delinquency before the creditor begins legal proceedings against you, you will still be required to pay the reasonable attorney fees that were actually incurred up to $50.00. However, iflegal proceedings are started against you, you will have to pay all reasonable attorney fees actually incurred by the creditor even if they exceed $50.00. Any attorney fees will be added to the amqunt you owe the creditor, which may also include other reasonable costs. .!fyOU ~ the default within the THIRTY (301 DAY PERIOD, vou will not be reauired to ~ the attornev fees. 'j . OTHER CREDITOR REMEDIES The creditor may also sue you personally for the unpaid principal balance and other sums due under the mortgage. You cannot be sued personally if you have obtained adiscl;targe in a Bankruptcy proceeding. In that circumstance, suit will be far the property only. . . RIGHT TO CURE THE DEFAULT PRIOR TO THE SHERIFF'S SALE If you have cured the default within the THIRTY (30) day period and foreclosure proceedings have begun. vou still have the righj; to ~ the default and prevent the sale at anv time BE to "~.,!. ~...' .... . '. '~......" Page #5 ~ hour before the Sheriff's sale. You may do !;Q Qy paving the total amount plus any late Q! other charl?:es then due. reasonable attorney fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's sale and Qy perfo:rmi:ru!: any other reauirements under the morU!alre. EARLIEST POSSIBLE SHERIFF'S SALE DATE It is estimated that the earliest date that such a Sherifl's sale of the mortgaged property could be held would be approximately nine (9) months from the date oftbis Notice. A Notice of the actual 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 pa;yment or action will be by contacting the creditor. If money is due, such payment must be in cash, cashier's check or money order made payable to the crec1i~ at the address set forth above. EFFECT OF THE SHERIFF'S SALE DATE You should realize that a Sheriff's sale will end your ownership of the mortgage property and your right to occupy it. If you continue to live in the property after the Sherifl's sale, a lawsuit to remove you and your funrishings and other belongings could be started by the creditor at any time. OTHER RIGHTS YOU HAVE You have additional rights to help protect your interest in the property.. YOU ALSO HAVE THE FOLLOWING RIGHTS: 1. SELL THE PROPERTY TO OBTAIN MONEY TO PAYOFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAYOFF THIS DEBT. 2. SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND A'ITORNEY FEES AND REQUIREMENTS OF'THE MORTGAGE ARE SATISFIED. CONTACT THE CREDITOR TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. 3. HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ActING ON YOUR.BEHALF. 4. HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ONE CALENDAR YEAR. 5. ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. 6. . ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE CREDITOR. Sincerely, Collection Department 1-800-366-3003 (Toll Free) 1-800-578-9750 (Hearing Impaired) '. SourceOne ~ Corpor.otion 27555 Farmin"oton Road Fa:rmington Hills, Ml48334-3357 COMBINED ACT 91 AND ACT 6 NOTICE (!1 y )., it}. fl....J d-? II N F ,"..;- "'t' jj } Co <. i-I",c'SL."i Pfl 17/10 J I iI- :; . qc/ Subject: SOMC Account Number: 5 tJ 'i 1. 07'1'6 - 6 Mortgagor's Name(s): yhyJ~) I~, {(,.,) Ii- R ebe,,,, L. R ,q/ Property Address: ? 0 'f 6 f!, S f ,\.'n" (",.,b'{ ;""J I P 11 no 7 [J Creditor: I Dear rfi y if'S /1-), l c, ,j YOUR MORTGAGE IS IN DEFAULT FOR THE REASONS SET FORTH IN THIS NOTICE. YOUR LENDER MAY FORECLOSE AND YOU MAY LOSE YOUR HOME. IF YOU WANT TO SAVE YOTJR HOME FROM FORECLOSURE, YOU MUST TAKE ACTION NOW BY ONE OF THE FOLLOWING STEPS: 1. CURING THE DEFAULT. This notice explains the nature of the default and your rights to protect your interest in your home. . Refer to Section 403 of the Act of Januazy 30, 1974 (P.L. 13, Number 6),41 P.S. Section :1-03) -OR- 2. APPLYING TO THE HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. Read this notice to :find out how the program works. You!!J,ill!j; meet with '" Consumer Credit Counselin.. A2.encv within:!bid;y (30l davs of the date oftbis Notice in order to ~. Refer to Act of December 23, 1983 (P.L. 38S, Number 91) 35 P.S. Section 1680.201c- 1680A09c. If you need further information, contact the Pennsylvania Housing Finance Agency at 1-800-342-23,97. 21&IF.a6 Page lo[5 ,". "'",". . "~ " .. ..:,..~-,'" Page #2 LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIF1CACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTAAGENCIA (PENNSYLVANIA HOUSING F1NANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE pARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CULA PUEDE SALVAR SU CASA LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR F1NANCIAL ASSISTANCE WHICH. CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP MAIm FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF-1983 (THE "ACT"), YOT!. MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSIsfANCE IF YOUR DEFAUI,.'r~ BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT.oF RESUMING YOUR MORTGAGE PAYMENTS AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING F1NANCE AGENCY. PLEASE READ ALL OF THIS NOTICE. IT CONTAINS AN EXPLANATION OF YOUR RIGHTS. TEMPORARY STAY OF FORECLOSURE Under the Act, you are entitled to a temporaIY stay offoreclosure on your mortgage for thi:ri;y (30) days from the date of this Notice. During that time, you must arrange and attend a "face- to-face" meeting with a representative of the creditor or with a designated Consumer Credit Counseling Agency. The purpose of this meeting is to attempt to work out a Repayment Plan or to otherwise settle your delinquency. This meeting must occur within the next tbir1;y (30) days. HOW TO CONTACT THE CREDITOR ORjSERVICER: Source One Mortgage Corporation 27555 Farmington Road Farmington Hills, MI 48334-3357 Attention: Loan Counselor 1-800-366-3003 (Toll Free) 1-800-578-9750 (Hearing Impaired) CONSUMER CREDIT COUNSELING AGENCY If you meet with your creditor or with a Consumer Credit Counseling Agency identified in this Notice, the creditor may not take action against you for thirty (30) days after the date of this meeting. The names and addresses of the de~ated Consumer Credit Counseling Agencies for the count;)' in which the propert;y is located are shown on the attached sheet. It is only neceSSaIy to schedule one "face-to-face" meeting. Advise your creditor immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE Your mortgage is in default for the reasons set forth in this Notice. If you have tried and are unable to resolve this problem with the creditor, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the de~ated Consumer Credit Counseling Agencies listed on the attachment. Ocly Consumer Credit Co"n_l;ng Agencies have applications for the program. and they will assist you in submitting a complete application to the Pennsylvania Housing ~~~k~o/ - Pase201:5 Page #3 Your application must be filed or postmarked within tb.ir1;y (30) days of your "face-to-face" meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAlL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETrER, FORECLOSURE MAY PROCEED AGAlNST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACfION Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibiliiy criteria established by the Act. It is extremely important that your application is accUrate and complete in every respect. The Pennsylvania Housing Agency has sixf;y (60) days to make a decision after it receives your application. DuringtIiat time, no foreclosure proceedings will be pursued against you if you have met the time requirement" set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision regarding your application. THE PENNSYLVANIA HOUSING FINANCE AGENCY IS LOCATED AT: 2101 NORTH FRONT STREET POST OFFICE BOX 8029 HARRISBURG,f'A 17105 (717) 780-3800 (717) 780-1869 - HEARING IMPAlRED i-800-342-2397 - TOLL FREE HOW YOUR MORTGAGE IS IN DEFAULT: NATURE OF THE DEFAULT The mortgage debt held by the above creditor on the property located at the following address: 109 ? n Sf- , A/PL"," (ll/~i//,"r i{fJi) i//f) i 7070 IS SERIOUSLY IN DEFAULT BECAUSE: 1. YOU HAVE NOT MADE THE MONTHLY MORTGAGE PAYMENTS. The following amounts are now past due: mmmm~.mmmmmHmm@rmmnMiffifMf%~~~i:i-a6afWJMMmMWmmmmmmmHmmmmr:mm rmm%@lWITi@~~QiE~mm@nWmnj;Hi Pavments of Principal and Interest .....,. $ ) , .5" [{ oj ,., , Escrow Charl>:es , $ , Late Charl!eS $ q / " . Attomev fees and costs $ Other charges: Explain $ '\ ! c:; r- ! c , . , ./ /- 0 - , $ ? 7<:; ci. ,. , TOTAL AMOUNT PAST DUE . ..,,,,,,..~,,f'" ':.'~ . Page #4 2. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION: EXPLAIN: )L. '" "{J "1 (J , cv: t h ,~ l il7 Of l Cjorj.$ J J .) ~ r'ly,n:,' .. '5 HOW TO THE CURE THE DEFAULT You ri:J.ay cure the default within THIRTY (30) days of the date of this Notice BY PAYING THE TOTAL AMOUNT ,PAST DUE to the creditor plus any additional monthly payments and late charges and any 8p.J?1!cabIe fees and costs which may fall due after the date of this Notice and the date you makeyeur payment. Payments must be made either by cash, C'''''n;..~'s check, certified check or money order made payable and sent to the following: Source One Mortgage Cotporation 27555 Fannington Road Farmington Hills, MI 48334-3357 Attention: Loan Counselor You can cure any other default by taking the fonowing action within tbirt;y (30) days-ofthe date oftbis letter. .- IF YOU DO NOT CURE THE DEFAULT If you do not cure the default within tbirt;y (30) days of the date oftbis Notice, the creditor intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance oftbis debt will be considered due immediate1y"and you may lose the chance to pay tb'e mortgage in monthly inst:>illments. If full payment of the total amount past due is not made within tbiz1;y (30) days, the creditor also. intends to instruct its attorney to start a lawsuit to foreclose upon your mortgaged propertv. IF THE MORTGAGE IS FORECLOSED UPON The mortgaged property will be sold by the Sheriff to payoff the mortgage debt. If the creditor refers your case to its attorneys but you cure the delinquency before the creditor begins legal proceedings against you, you will still be required to pay the reasonable attorney fees that were actually incurred up to $50.00. However, if legal proceedings are started against you, you will have to .pay all reasonable attorney fees actually incurred by the creditor even if they exceed $50.00. Any attorney fees will be added to th~ount you owe the creditor, which may also include other reasonable costs. !fvou ~ the default within the THIRTY (30) DAY PERIOD. yOU will not be reauired to :emc the attorney fees. OTHER CREDITOR REMEDIES The creditor may also sue you personally for the unpaid principal balance and other sums due under the mortgage. You can not be sued personally if you have obtained a discharge, in a Bankruptcy proceeding. In that circumstance, suit will be for the propet1;y only. RIGHT TO CURE THE DEFAULT PRIOR TO THE SHERIFF'S SALE If you have cured the default within the THIRTY (30) day period and foreclosure proceedings have begun, vou still have the riggj; to ~ the default and prevent the sale at ggy time Yl2 to ~~N_...~r=: . ~.- , ,.,-,".. ;_::i:.::;'.~-:;-' "", .-..--:-"7"";:---:-.-,....,..---;---- . ':"-'--:":.- '.~~:-..,.-~--~_7.~ .~ . Page #5 ~ hour before the Sheriff's sale. You 1'J"1"'V do !!!!!.l2Y pavine: the total amount plus any late .!!!: other chare:es then due, reasonable attomey fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's sale and Qy perform;"'" any other reauirem.ents under the mo~e. EARLIEST POSSIBLE SHERIFF'S SALE DATE It is estimated that the earliest date that such a Sheriff's sale of the mortgaged propert;y could be held W01.ud be approximately' nine (9) months from the date oftbis Notice. A Noti<;e of the actual date of the Sheriff's sale will be sent to you before the sale. Of course, the amount needed to cure the defa:uJ.t will increase the lODger you wait. You may find out at any time exactly what the required payment or actionwill be by contacting the creditor. If money is due, such payment must be in cash, cashier's check: or money order made payable to the credi.!'>rat the address set forth above. EFFECT OF THE SHERIFF'S SALE DATE You should realize that a Sheriff's sale will end your ownership of the mortgage propert;y and your right to occupy it. If you continue to live in the propert;y after the Sheriff's sale, a lawsuit to remove you and yourfurnisbings and other belongings could be started by the creditor at any time. OTHER RIGHTS YOU HAVE You have additional rights to help protect your interest in the propert;y. YOU ALSO HAVE THE FOLWWING RIGHTS: 1. SELL THE PROPERTY TO OBTAlN MONEY TO PAYOFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAYOFF THIS DEBT. 2. SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATIORNEY FEES AND REQUIREMENTS OF THE MORTGAGE ARE SATISFIED. CONTACf THE CREDITOR TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. 3. HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR.BEHALF. 4. HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ONE CALENDAR YEAR. 5. ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED. UNDER THE MORTGAGE DOCUMENTS. 6. ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE CREDITOR. Sincerely, Collection Department 1-800-366-3003 (Toll Free) 1-800-578-9750 (Hearing Impaired) ~ ,~&urceOne ~ Mortga..,ae Cotpocation ''', ..;; 27555 Farmington Road Farmington Hills., MI 48334-3357 COMBINED ACT 91 AND ACT 6 NOTICE ~fbm'4 L.-. ~p,..d 30C} 6.f h ~ + Aip~ C ..",be( !o"J ! II. "3- li'f fJl '7070 Subject: SOMCAccountNumber: 5052-07l/1,- b Mortgagor's Name(s): fll'I/-I'5 )11, ~>p,) J. Property Adc4'ess: 30el !;; t.." 5'~ J J..1 ,: /I..!p", (".., ;,,, I.,. ! . rr , /l,,'btt{(, l-, R N J 11070 Creditor: Dear i..f'hO>((ti L. Kpf') YOUR MORTGAGE IS IN DEFAULT FOR THE REASONS SET FORTH IN THIS NOTICE. YOUR LENDER MAY FORECLOSE AND YOU MAY LOSE YOUR HOME. IF YOU WANT TO SAVE YOUR HOME FROM FORECLOSURE, YOU MUST TAKE ACTION NOW BY ONE OF THE FOLLOWING STEPS: 1. CURING THE DEFAULT. This notice explains the nature of the default and your rights to protect your interest in your home. . Refer to Section 403 of the Act ofJanuaxy 30, 1974 (P.L. 13, Number 6),41 P.S. Section 403) -OR- 2. APPLYING TO THE HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. Read-this notice to find out how the program works. You must meet with g Consumer Credit CO'1T1~HT1" Agency within:t!Jitly (301 davs of the date of this Notice in order to ~. Refer to Act of December 23, 1983 (P.L. 385, Number 91) 35 P.S. Section 1680.201c- 1680A09c. If you need further information, contact the Penm,ylvania Housing Finance Agency at 1-800-342-2397. 2261F.a6 ~~g~_ 1 o( 5 Page #2 LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORI'ANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFlCACION OBTENGA UNA TRAD,OCCION INMEDITAMENTE LLAMANDO ESTAAGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO . ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNERS EMERGENCY MORI'GAGE ASSISTANCE PROGRAM" EL CULA PUEDE SALVAR SU CASA LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. EMERGENCY MORI'GAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP MAKE FUTURE MORI'GAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORI'GAGE ASSISTANCE ACT OF-l983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF RESUMING YOUR MORI'GAGE PAYMENTS AND IF YOU MEET OTHER ELIGIBILI'IY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. PLEASE READ ALL OF THIS NOTICE. IT CONTAINS AN EXPLANATION OF YOUR RIGHTS. TEMPORARY STAY OF FORECLOSURE Under the Act, you are entitled to a temporary stay offoreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time, you must arrange and attend a "face- to-face" meeting with a representative of the creditor or with a designated Consumer Credit COlJJ1seling Agency. The pmpose of this meeting is to attempt to work out a Repayment Plan or to otherwise settle your delinquency. This meeting must occur within the next thirty (30) days. HOW TO CONTACT THE CREDITOR OR/SERVICER: Source One Mortgage Corporation 275S5 Fannington Road Farmington Hills, MI 48334-3357 Attention: Loan Counselor 1-800-366-3003 (Toll Free) 1-800-578-9750 (Hea;Hng Impaired) CONSUMER CREDIT COUNSELING AGENCY If you meet with your creditor or with a Consumer Credit Counseling Agency identified in this Notice, the creditor may not take action against you for tbiri;y (3D) days after the date oftbis meeting. The names and addresses of the designated Consumer Credit Counseling Agencies for the county in which the property is located are shown on the attached sheet. It is only necessary to schedule one "face-to-face" meeting. Advise your creditor immediately of your intentions. APPLICATION FOR MORI'GAGE ASSISTANCE Your mortgage is in default for the reasons set forth in this Notice. If you have tried and are unable to resolve this problem with the creditor, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated Consumer Credit Counseling Agencies listed on the attachment. Only Consumer Credit Counseling Agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance A...aen<;y'. Pallc2of:5 r Page #3 Your application must be filed or postmarked within thirty (30) days of your "face-to-face" meeting. YOU MUST FILE YOUR APPUCATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LEITER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPUCATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligIbili1;y criteria established by the Act. It is extremely important that your application is accurate and complete in every respect. The Pennsylvania Housing Agency has s:ix1;y (60) 'days to make a decision after it receives your application. Durinjftliat 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 the Pennsylvania Housing Finance Agency of its ,decision regarding your application. THE PENNSYLVANIA HOUSING F1NANCE AGENCY IS LOCATED AT: 2101 NORTH FRONT STREET POST OFF1CE BOX 8029 HARRISBURG, PA 17105 (717) 780-3800 (717) 780-1869 - HEARING IMPAIRED 1-800-342-2397 -TOLL FREE HOW YOUR MORTGAGE IS IN DEFAULT: NATURE OF THE DEFAULT The mortgage debt held by the above creditor on the properf;y located at the following address: 30e) &H S+ t:/p~.... (""ll(~","'.lqrlJ , j~ , If I] -''0 ' ~;' I v ' IS SERIOUSLY IN DEFAULT BECAUSE: 1. YOU HAVE NOT MADE THE MONTHLY MORTGAGE PAYMENTS. The, following amounts are now past due: ::MWimm~H~MlN@tmmlmmM~mHmrMI~Bti~;H@fm;tHWtmmMMnmmmmmmwn@w r:WrM[Mm;@il~Q~m~Hmnm~i~jt%t:H Pavments of Princioal and Interest _ $ ;;t.65?,." Escrow Charl!es /' $ Late Charges $ "II ::.:!. Attomev fees and costs $ Other charges: Explain $ TOTAL AMOUNT PAST DUE 0<' {O,- $ ~ 7'5'1. D' Page #4 2. YOU HAVE FAlLED TO TAKE THE FOLLOWING ACfION: EXPLAIN: !L-,f;'i'{) IAO w;}h tll ol1 fj {,fi ,0 ,Ot1'f {"'N! + ., . HOW TO THE CURE THE DEFAULT You may cure the default within THIRIY (30) days of the date oftbis Notice BY PAYING THE TOTAL AMOUNT PAST DUE to the creditor plus any additional monthly payments and late charges and any applicable fees and costs which may fall due after the, date oftbis Notice and the date you makeyour paJ'ment Payments must be made either by cash, cashier's check, certified check or money order made payable and sent to the following: Source One Mortgage Corporation 27555 Farmington Road Farmington Hills, Mi 48334-3357 Attention: Loan Counselor ~ You can cure any other default by taking the following action within tbirt;y (30) days of the date of this letter. IF YOU DO NOT CURE THE DEFAULT If you do not cure the default within tbirt;y (30) days of the date oftbis Notice, the creditor intends to exercise its rights to accelerate the mortgage debt This means that the entire outstanding balance oftbis debt will be considered due immediately and you may lose the chance to 'pa;y the mortgage in monthly installments. If full payment of the total amount past due is not made within tbirt;y (30) days, the creditor also intends to instruct its attorney to start a lawsuit to foreclose upon vour mortea.e:ed propertv'. IF THE MORTGAGE IS FORECLOSED UPON The mortgaged property will be sold by the Sheriff to payoff the mortgage debt. If the creditor refers your case to its attomeys but you cure the delinquency before the creditor begins legal proceedings against you, you will still be required to pay the reasonable attorney fees that were actually incurred up to $50.00. However, iflega1 proceedings are started against you, you will have to pay all reasonable attorney fees actually incurred by the creditor even if they exceed ' $50.00. Any attorney fees will be added to the amount you owe the creditor, which may also include other reasonable costs. .!fvou ~ the &fault within the THIRTY (301 DAY PERIOD. vou will not be reouired to ~ the attornev fees. ' ; _, OTHER CREDITOR REMEDIES The creditor may also sue you personally for the unpaid principal balance and,other sums due under the mortgage. You can not be sued personally if you have obtained a diS~~ in "- Bankruptcy proceeding. In that circumstance, suit will be for the property only. " '. RIGHT TO CURE THE DEFAULT PRIOR TO THE SHERIFF'S SALE If you have cured the default within the THIRTY (30) day period and foreclosure. proceedings have begun, vou still have the figQj; to cure the default and prevent the sale at anv ~ !!l2 to Page #5 ~ hour before the Sheriff's sale. You JJ1"-Y do l!Q J.:!y paving the total amount plus anY late .2!: other charges then due. reasonable attornev fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's sale and J.:!y perform;"'''' anv other reauirements under the morl:.gae:e. EARLIEST POSSIBLE SHERIFF'S SALE DATE It is estimated that the earliest date that such a Sheriff's sale of the mortgaged property couJd be held wouJd be,approximatel;y nine (9) months from the date oftbis No.tice.. A Notice of the actual 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 pa;yment or action will be by conta<:tingthe creditor. If money is due, such payment must be in cash, cashier's check or money order made payable to the creditoI: at the address set forth above. EFFECT OF THE SHERIFF'S SALE DATE You should realize that a Sheriff's sale will end your ownership of the mortgage property and your right to occupy it. If you continue to live in the property after the Sheriff's sale, alawsuit to remove you and your funiisbings and other belongings couJd be started by the creditor at any time. OTHER RIGHTS YOU HAVE You have additional rights to help protect your interest in the property. YOU ALSO HAVE THE FOLLOWING RIGHTS: 1. SELL THE PROPERTY TO OBTAIN MONEY TO PAYOFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAYOFF THIS DEBT. 2. SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND. ATIORNEY FEES AND REQUIREMENTS 'OF THE MORTGAGE ARE SATISFIED. CONTACT THE CREDITOR TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. 3. HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR -BEHALF. 4. HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ONE CALENDAR YEAR. 5. ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. 6. ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE CREDITOR. Sincerely, Collection Department 1-800-366-3003 (Toll Free) 1-800-578-9750 (Hearing Impaired) Fa.:!e !;ofS , ~ SourceOne ~ Mo"l?"~ 2755S-Farmington Road Farmington Hills, MI 48334-3357 COMBINED ACT 91 AND ACT 6 NOTICE fYlyl~5 (h. lif_~ ~,oq6H -'7'; . iVew ("",b.,i".,J, PH / J- 3 -1r 17()7o SOMC Account Number: l)()C)107'IQ- b I Mortgagor's Name(s): i'>1yl'-'5 {l1, i?.,j + ~"b~a. L. I!nJ Property Address: 30'1 6 f II 5 t I . A/q..... (,-"" h"1 Jar"'1 f ,4 I' --',1 7V Creditor: I ~ Dear t}-Iy!.p\ (1'1, K"""c~ YOUR MORTGAGE IS IN DEFAULT FOR THE REASONS SET FORTH IN THIS NOTICE. YOUR LENDER MAY FORECLOSE AND YOU MAY LOSE YOUR HOME. SuQject IF YOU WANT TO SAVE YOUR HOME FROM FORECLOSURE, YOU MUST TAKE ACTION NOW BY ONE OF THE FOLLOWING STEPS: 1. CURING THE DEFAULT. This notice explains the nature of the default and your rights to protect your interest in your home. /' . Refer to Section 403 of the Act of January 30, 1974 (P.L. 13, Number 6), 41 P.S. Section 403) , -OR- 2. APPLYING TO THE HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FutuRE MORTGAGE PAYMENTS. Read this notice to find out how the program works. You must meet with @, Consumer Credit COl1n",,1ing Agencv within:lliinY (30) davs of the date oftbis Notice in order to ~. Refer to Act of December 23,1983 (P.L. 385, Number 91) 35 P.S. Section 1680.201c- 1680A09c. If you need further information, contact the Pennsylvania Housing Finance Agenq at 1-800-342-2397. "",,"86 Pa;c 1 0[5 l: ~.~.: Page #2 . LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTAAGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO , ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CULA PUEDE SALVAR SU CASA LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF-.I983 (THE "ACT"), YOU MAy BE ELIGIBLE FOR EMERGENCY MOR:rGAGE ASSISTANCE IF YOUR DEFAY]:>T:HAS BEEN .GAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF RESUMING YOUR MORTGAGE PAYMENTS AND IF YOU MEET OTHERELIGIBIUTY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. PLEASE READ ALL OF THIS NOTICE. IT CONTAINS AN EXPLANATION OF YOUR RIGHTS. TEMPORARY STAY OF FORECLOSURE Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) da;ys from the date oftbis Notice. During that time, you must arrange and attend a "face- to-face" meeting with a representative of the creditor or with a designated Conswner Credit C0111:J"",1;ng Agency. The purpose oftbis meeting is to attempt to work out a Repayment Plan or to otherwise settle your delinquency. This meeting must occur within the next thirty (30) days. HOW TO CONTACT THE CREDITOR ORjSERVICER: Source One Mortgage Co:t'poration 27555 Fanniogton Road Fanniogton Hills, MI 48334-3357 Attention: Loan Counselor 1-800-366-3003 (Toll Free) 1-800-578-9750 (Heaj:ing Impaired) CONSUMER CREDIT COUNSELING AGENCY If you meet with your creditor or with a Consumer Credit Con """,ling Agency identified in this Notice, the creditor may not take action against you for thirty (30) days after the date of this meeting. The names and addresses of the designated Consumer Credit Counseling Agencies for the county in which the properl;y is located are shown on the attached sheet. It is only necessary to schedule one "face-to-face" meeting. Advise your creditor immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE Your mortgage is in default for the reasons set forth in this Notice. If you have tried and are unable to resolve this problem with the creditor, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program.. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated Consumer Credit Counseling Agencies listed on the attachment. Only Consumer Credit Counseling Agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agen~. Page 2 0(5 '- Page #3 Your application must be filed or postmarked within thirty (30) days of your "face-to-face" meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAlL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACfION Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency \Ulder the eligl1Jili1;y criteria established by the Act. It is extremely important that your application is accurate and complete in every respect. The Pennsylvania Housing Agency has sixt;y (60) days to make a decision after it receives your application. Du:ringtli.at 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 the Pennsylvania Housing Finance Agency of its decision regarding your application. THE PENNSYLVANIA HOUSING F1NANCE AGENCY IS LOCATED AT: 2101 NORTH FRONT STREET POST OFFICE BOX 8029 HARRISBURG, PA 17105 (717) 780-3800 (717) 780-1869 - HEARING IMPAIRED 1-800-342-2397 - TOLL FREE HOW YOUR MORTGAGE IS IN DEFAULT: NATURE OF THE DEFAULT The mortgage debt held by the above creditor on the property located at the following address: ~ 0 q & -fl., 5+ !\-Ie W' (u',^,},f( }tp,J,' P ~ 1"7070 IS SERIOUSLY IN DEFAULT BECAUSE: 1. YOU HAVE NOT MADE THE MONTHLY MORTGAGE PAYMENTS. The following amO\Ults are now past due: l[~:timwt:m;MW:Vt::ti!@};*m@fm1~%ml?:lm~~;Pf;i,6ijfYmDHmmmNrr8mW1mmrrmmmmrmrm %~jmGi@m~:Mf:m~Qijrfi.~m;rflmgJmm: PaYments of Princinal and Interest - $ ~t,~ 'a q.j' Escrow Charges " $ Late Chan<es $ '1) ;<q Attomev fees and costs $ Other charges: Explain $ iV5 F I 0, OC -. TOTAL AMOUNT PAST DUE $ d. 7 5 q,13- Page #4 2. YOU HAVE FAlLED TO TAKE THE FOLLOWING ACfION: EXPLAIN: r k P'I" .1.. Lv. in rl1c ( I (]C! i.J f P 'e 0('1 Yr\". ~'d f.J HOW TO THE CURE THE DEFAULT You may cure the default within THIRTY (30) days of the date of this Notice BY PAYING THE TOTAL AMOUNT PAST DUE to the creditor plus any additional monthly payments and late chaxges and any applicable fees and costs which may fall due after the date of this Notice and the date you make yam payment. Payments must be made either by cash, cashier's check, certified check or money order made payable and sent to the following: Source One Mortgage Corporation 27555 Farmington Road Farmington Hills, MI 48334-3357 Attention: Loan Counselor You can cure any other default by taking the following action within thir1;y (30) days of the date of this letter. IF YOU DO NOT CURE THE DEFAULT If you do not cure the default within thirl;y (30) days of the date of this Notice, the creditor intends to exercise its rights to accelerate the mortgage debt. This means that the entire outshmniT\g balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. Iffull payment of the total amount past due is not made within thirl;y (30) days, the creditor also:intendsto instruct its attorney to start a lawsuit to foreclose upon your mor1:2:a<!ed property. IF THE MORfGAGE IS FORECLOSED UPON The mortgaged property will be sold by the Sheri:ffto payoff the mortgage debt. If the creditor refers your case to its attorneys but you cure the delinquency before the creditor begins legal proceedings against you, you will still be required to pay the reasonable attorney fees that were actually incun-ed up to $50.00. However, iflegal proceedings are started against you, you will have to pay all reasonable attorney fees actually incurred by the creditor even if they exceed $50.00. Any attorney fees will be added to the amount you owe the creditor, which may also include other reasonable costs. liYou ~ the default within the THIRTY (30) DAY PERIOD. vou will not be required to pav the attorney fees. OTHER CREDITOR REMEDIES The creditor may also sue you personally for the unpaid principal balance and other sums due under the mortgage. You can not be sued personally if you have obtained a discharge in a Bankruptcy proceeding. In that circumstance, suit will be for the proper1;y only. RIGHT TO CURE THE DEFAULT PRIOR TO THE SHERIFF'S SALE If you have cured the default within the THIRTY (30) day period and foreclosure proceedings have begun, vou still have the ri@! to ~ the default and prevent the sale at any ti-me.!!R to "'___ ~ ;..~_c Page #5 ~ hour before the Sheriff's sale. You T1)"Y do ~ Qy paving the total amount plus ;my late or other charges then due. reasonable attornev fees and costs co=cted with the foreclosure sale and any other costs connected with the Sheriff's sale and Qy peno,.".,inp' any other reQUirements under the mortaal!:e. EARLIEST POSSIBLE SHERIFF'S SALE DATE It is estimated that the.earliest date thai: such a Sheriff's sale of the mortgaged propert;y could be held would bi;, approximately nine (9) months, from the date oftbis Notice; A Notice of the actual date of the Sheriffs sale ~ 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 P"J'ffielit or action will be by contacting the creditor. If money is due, 'such p"J'ffient must be in cash, cashier's check or money order made payable to the creditor at the address set forth above. EFFECT OF THE SHERIFF'S SALE DATE You should realize that a Sheriff's sale will end your ownership of the mortgage property and your right to occupy it. If you continue to live in the property after the Sheriff's sale, a lawsuit to remove you and your ftrrn;"n;ngs and other belongings could be started by the creditor at any time. -OTHER RIGHTS YOU HAVE You have additional rights to help protect your interest in the propert;y. YOU ALSO HAVE THE FOLLOWING RIGHTS: 1. SELL THE PROPERTY TO OBTAIN MONEY TO PAYOFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAYOFF THIS DEBT. 2. SELL OR TRANSFER THE PROPERlY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY FEES AND REQUIREMENTS .OF THE MORTGAGE ARE SATISFIED. CONTACf THE CREDITOR TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. 3. HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACfING ON YOUR ~EHALF. 4. HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ONE CALENDAR YEAR. 5. ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCl)'MENTS. 6. ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACfION BY THE CREDITOR. Sincerely, Collection Department 1-800-366-3003 (Ton Free) 1-800-578-9750 (Hearing Impaired) Page:5ofS ..."'---- ~ ~_.1 Comroe Hing LLP By: David B. Comroe 1700 Market Street, Suite 1400 Philadelphia, PA 19103 (215) 568-0400 Attorney for Plaintiff Identification No.: 25694 White Mountains Services Corp., f/k/a Source One Mortgage Services Corp. 27555 Farmington Road Farmington Hills,MI 48334-3357 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION - LAW Plaintiff vs. ACTION OF MORTGAGE FORECLOSURE Myles M. Reed Term 2311 N. Front st., #1002, No. 2000-1109 Civil Term Harrisburg, PA 17110-1071 Rebecca L. Reed, aka Rebecca Eden, aka Rebecca Troutman 2311 N. Front St., #1002, Harrisburg, PA 17110-1071 Defendants ............................................................. . ............................................................. . PRAECIPE FOR ENTRY OF JUDGMENT AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY:_ Enter Judgment in the amount of $54,326.19 in favor of the Plaintiff and against the Defendants for failure to file an Answer in the above action within twenty (20) days from the date of service of the Complaint and assess Plaintiff's damages as follows: (a) Principal Debt (b) Late Charges at $15.04 per month from $46148.89 $210.56 05/01/99 to 06/02/2000. (c) Interest from 04/01/99 through 06/02/2000 at $0.00 $3840.61 $8.97 " . ___ 0, (d) Total Escrow Deficit to date (e) Reasonable Attorney's fees as in the above $1358,18 $230]. 44 stated amount reflect third party sale only. If the Mortgagor reinstates the account, attorney's fees will be reasonable based upon work performed. (f) Title Report (g) Court Filing Charges (h) Uncollected Late Charge(s) (i) Escrow Credit TOTAL AMOUNT DUE $335.00 $115,50 $10.00 $0.00 $54,326.19 DATED: June 2, 2000 Respectfully submitted, .~;;Pc -~ ." David B. Comroe . . . Attorney for Plaintiff this ~aY' of June, 2000 Prothonotary 2 .r..' '''~~. t (0 f:J .l.::l. (') C> c: 0 (') ~ ;-0 -$: <- -n fi:- yO] nTr,; ~ ~~:s 8 Z:n :z - 7C ~ C,..~d". , ,-- ..0 co ..;-:m ;::;; ;" ."'? ~ ~c:' C:) .- -v :s.- ""D i~~ 2l,.) j ~ -~o ~ p-:: Pc: - /0 :z .. GlOrt \U' --0 J =< ,..., ?5 - -< f' ............ Comroe, Hing LLP By: David B. Comroe Identification No. :25694 1700 Market Street, Suite 1400 Philadelphia, PA 19103 215-568-0400 Attorney for Plaintiff White Mountains Services Corp. Fka Source One Mortgage Services Corporation 27555 Fannington Road Fannington Hills, MI48334 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Plaintiff CNIL ACTION-LAW vs Category No. 3010 Myles M. Reed 2311 N. Front St. #1002, Harrisburg, PA 17110, Rebecca 1. Reed aka rebecca Eden aka Rebecca Troutman 2311 N. Front S1. #1002 Harrisburg, P A 17110 ACTION OF MORTGAGE FORECLOSURE Term No. 2000-1109 CNIL TERM Defendant CERTIFICATION OF SERVICE David B. Cornroe, Esq., being duly sworn according to law certifies that Notices of Intention to Take Judgment, as set forth in PA R.C.P., 237.1, were mailed to Defendant(s) on April 7, 1999. Attached hereto and made part hereof as Exhibit "A" is a true and correct copy of said Notice. ~ . David B. Comroe, Es~ Attorney of Plaintiff Sworn to and subscribed before me this ~ day Of~2000 .~~ ~~b/- NOTARY PUBLIC - NOTARIAL SEAL 0 stJE FRUIT "'__ I CUyof Philade4 . '~y Pubflc ~;\- C0mmis '. t,'/li3 Pl'uJ<;!, COI..iftt\f . "Sl'.)f\ X. ':'~ Jw ' 20, 2602 (") 0 0 c: <::> ., g , :;:; ""00:> ~ .:.,,-n [TlfY-4 % \.= Z:x; I ~.-;~ :ZC :t:Jy ~~~ CO ~l;d !:CO -0 -,.- " ~(") ::;;: O:D .--.0 -0 Orn >-c: -., ~ \"V ~ =< /" Comroe Hing LLP By: David B. Comroe 1700 Market street, Suite 1400 Philadelphia, PA 19103 (215)568-0400 Attorney for Plaintiff Identification No.: 25694 White Mountains ServiGes Corp., f/k/a Source One Mortgage Services Corp. 27555 Farmington Road Farmington Hills,MI 48334-3357 Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION - LAW vs. ACTION OF MORTGAGE FORECLOSURE Myles M. Reed Term 2311 N. Front St., #1002, No. 2000-1109 Civil Term Harrisburg, PA 17110-1071 and Rebecca L. Reed, aka Rebecca Eden, aka Rebecca Troutman 2311 N. Front st., #1002, Harrisburg, PA 17110-1071 Defendants ..................................................................... . ..................................................................................... . CERTIFICATION David B. Comroe, Esq., Attorney for Plaintiff in the above captioned matter, hereby certifies that the provisions of the Emergency Mortgage Relief Act, P.L. 1688 No. 621, as amended. December 23, 1983 have been met. ~f:fcomroe -- Attorney for Plaintiff Sworn to and subscribed before m7: z;ne, 2000. Notary Public NOTARIAL SEAL SUE FAUlT, No~ary PubliC c-.:v of PIliI~ph'a P"",,, CO""." ~ Comm!SSk'ti Ex ~l'OO 20,2,:':;" (") = 0 c: = -"'11 <'" C :;j '"Da5 d"i# nt~i :f: 2_.. , ~'8? Z:C 'C/)d'-S CO ~c:; ~~(.;J -'0 ~~~ ~O ~ 5>8 ,-' s' :z: N :D =< -< -; ~.~ .' ,l. ~~, . :;:'--~-L...:S:-~-'"'" ':;'.c. ,.,- }::omroe Hing LLP By: David E. Comroe "IdentificatIon No. :25694. 1.700 Market., Eit.reet, Eiuit.e 1400 Philadelphia, PA 19103 215-568-0400 Attorneys for Plaintiff White Mountains Services . Corporation, formerly known as Source One Mortgage Services Corporation IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION - LAW Plaintiff TO: Myles M. Reed and Rebecca L. Reed, aka Rebecca Eden, aka Rebecca Troutman ................................................................ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ~ . . . . . . . . . . . . . . . . . . . IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION REQUIRED OF YOU IN THIS CAS,E. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP: -I Cumberland County Bar Association 2 Liberty Avenue, Carlisle, PA (717) 249-3166 AVISO IMPORTANTE US TED ESTA EN REBELDIA PORQUE HA FALLADO EN TOMAR LA ACCION EXIGIDA DE SU PARTE EN ESTE CASO. A MENOS DE QUE USTED ACTUE DENTRO DE DIEZ DIAS DE ,LA PECHA DE ESTE AVISO. SE PUEDE REGISTRAR UNA SEN~TENCIA CONTRA USTED. SIN EL BENEFICIODE UNA AUDIENCIA Y PUEDE PERDER SU PROPIEQAD o OSTROS DERECHOS IMPORTANTES. USTED DEBE LLEVAR ESTE AVISO A UN ABOGADO ENSEGUIDA. --ST-USTED NO TIBNE UN ABOGADO Y NO PUEDE PAGAR'POR LOS SERVICIOS DE UNABOGADO. DE BE COMUNICARSE CON LA SIGUIENTE OFICINA PARA AVERIGUAR DONDE PUEDE OBTENER AYUDA LEGAL: Cumberland County 2 Liberty Avenue, (717) 249-3166 DATE OF NOTICE/SERVICE: AR:J:"il 7 :2000 '!'IDS m ..\im.QCBSS '!...iH. roRrosE OF WHICH IS 1'0 COLLEC'r A nEBTAND ANY INFOR.1W.A:TION OBTRJi'lffi[} ffiOM YOU OR Ah'YONE lTLSE "VILLBE US:~; TO THAT END. Bar Association Carlisle, PA BY: David B. Comroe rgz;~ ffJ. Y6cmu<oe ~.~'-~_~_-=.c:-,","".~ ~ ~ --= , (") 0 Q c c::> " g '= .-< -onJ -r % ~.,.-n rnfTl dIp Z:J.::; \ ...,..~,., :ZC ""'? qz.; CO (50 ~e3 --l_ -0 -,.-. t' 6:0 ~o ::ll: -,,0 0 or-n 5>c ~ ~ 'N '< . , ""'"' ..~ . ~ " NON-MILITARY AFFIDAVIT 'STATE OF Sroto of Michigan County ofO~ COUNTY OF ~ ss RE: John M. Matous Vice President , being first duly sworn on oath deposes and says: l. That I am employed by the Plaintiff herein as servicer of the mortgage. 2. That the captioned individualCs) are the owners of the premises described in the mortgage or deed of trust. 3. That the collection procedures of the Plaintiff are designed to disco:ver facts concerning the titleholder's occupations and military status. 4. That said procedures were followed in connection with the current delinquency. 5. That, on information and belief. that captioned titleholders are not incompetent or in any branch of_the military service. if 17(~;;;L (;l John M. Matous Vice President ' Sworn to and subscribed before m~ this <9.(,;, day of ~, 19'1C. ')n~~ _~ MARY 8. HEALY Notary Public, Oakland County MI My Commission ExplI-"s 12/17/2G01 , 2 0 0 C) -" s: , ...... -oC.o -c. -~1:-n rrH'n ::;t:: r,'\~ Z':J: , ....:;n Z:~: 0:> :C'l: SQ~;:', :i;~i ~.... :s ~'-' _,:.._ -r-1 ~G ->- '~:B -0 - om S;c -; 3 N ~ ~ .,,../> PRAECIPE FOR WRIT OF EXECUTION COMMONWEALTH OF PENNSYLVANIA County of CUMBERLAND Comroe Hing LLP By: David B. Comroe 1700 Market Street, Suite 1400 Philadelphia, PA 19103 (215)568-0400 Attorney for Plaintiff Identification No.: 25694 White Mountains Services Corp., f/k/a Source One Mortgage Services Corp. 27555 Farmington Road Farmington Hills,MIu48334-3357 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION - LAW Plaintiff vs. ACTION OF MORTGAGE FORECLOSURE Myles M. Reed Term 2311 N. Front St., #1002, No. 2000-1109 Civil Term Harrisburg, PA 17110-1071 and Rebecca L. Reed, aka Rebecca Eden, aka Rebecca Troutman 2311 N. Front St., #1002, Harrisburg, PA 17110-1071 Defendants PRAECIPE FOR WRIT OF EXECUTION TO THE PROTHONOTARY: Issue Writ of Execution in the above matter: PREMISES: 309 6th st., New Cumberland, PA, 17070 See Exhibit "A" attached (Costs to be added) AMOUNT DUE $54,326.19 Interest from 6/2/00 through 9/6/00 at note $ 852.15 rate of 7% or $8.97 per diem ~ Attorney for Plaintiff -" == "'.- ~. .... .. , ~-.. '.' '. ,,;,", , DESCRrPTION ALL THAT CERTAIN tract or parcel of land and premises, Situate, lying and being in the Borough of New Cumberland in the County of Cumberland and Commonwealth of Pennsylvania, more particularly described as follows: BEGINNING at a point on the Northern side of Sixth Street (50 feet wide) a distance of Twenty- nine and five tenths (29.5) feet measured from a pin at the Northeastern corner of Sixth Street and Third Alley (20 feet wide); thence by other land now or formerly of Maude A. Bixler Estate North 31 degrees 30 minutes West a distance of seventy-five (75) feet to a point; thence by land now or formerly of W.J. Driver North 58 degrees 30 minutes East a distance of nineteen and one-tenth (19.1) feet to a point; thence by land now or formerly of the Maude A. Bixler Estate and conveyed to Ralph M. Shoop and Wife and through the center line of a partiti9n wall South 31 degrees 30 minutes East a distance of severity~f'ive (75.0) feet to a point on the Northern side o~ Sixth Street; thence along Sixth Street South 58 degrees 30 minutes West adistan~e of nineteen.and one-tenth (I~L1) feet to a point, the place of beginning. BEING a part of the Subdivision Plan of the Estate of Maude A. Bixler, as surveyed by D.P. Raffensperger and Associates, Camp Hill, Pennsylvania, on August 23, 1973 and recorded in the Office of the Recorder of Deeds of Cumberland County in Plan Book 24, page 78 on November 14, 1973. HAVING thereon erected a semi-detached frame dwelling house known and numbered as 309 6th Street, New Cumberland, Pennsylvania. Parcel # 25.24-081l-028A ," .:.... . ' ..:.; ."'.~,-;,...,;.,~.~~:;;~.~,,..,,,.v.~..,,...,,~.". .O.,,~ _~ 4'_~" ..... ,~- ~ _. '..: ~..~~,;:-"" .~ ".1 "'- . p ........ .... &, (") 0 (") --- ""'- c.: D ~. .~ IN <:: -,., ~ -~ - -Oft; "- ;~:J :-0 Jv 0""';) ~ ~L:l c:: R .~ ~ , Z :';'1:0 ~ d zc: ' ,- ;- '..... 0 . ~ 8 J ::::r:q 2 6 "- 0 ~:$.5 co 8 U--. c- O' ::)Y If:. c- ~O '..-10 -0 -- -C I I 50 ::;;: 9~ t:- \ \ I -0 ..() '- {;? \ 0P ;b:c - orr! .. ~ 2: N <;::!. 6"'- . ~r :::< 55 ~ - - :: -< :: - - - ~ , - - - tJ --. - ""J "-0 , - ... "' --. - -'-'" ~ Comroe Hing LLP By: David B. Comroe 1700 Market Street, Suite 1400 Philadelphia, PA 19103 (215) 568-0400 Attorney for Plaintiff Identificatipn No.: 25694 White Mountains Services Corp., f/k/a Source One Mortgage Services Corp. 27555 Farmington Road Farmington Hills,MI 48334-3357 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION - LAW Plaintiff vs. ACTION OF MORTGAGE FORECLOSURE Myles M. Reed Term 2311 N. Front St., #1002, No. 2000-1109 Civil Term Harrisburg, PA 17110-1071 and Rebecca L. Reed, aka Rebecca Eden, aka Rebecca Troutman 2311 N. Front st., #1002, Harrisburg, PA 17110-1071 Defendants ............................................................. . ............................................................. . AFFIDAVIT PURSUANT TO RULE 3129.2 AND RETURN OF SERVICE PURSUANT TO PA R.C.P. 405 OF NOTICE OF SALE David B. Comr-oe, Esq., Attorney for Plaintiff, White Mountains Services Corp., f/k/a Source One Mortgage Services Corp. sets forth as of the date of the praecipe for the writ of execution was filed the following information concerning the real property located at to be sold at Sheriff's Sale on 09/06/2000. As required by PA R.C.P. 3129.2 (a) Notice of Sale has been given in the manner required by PA R.C.P. 3129.2 (c) on each of the persons or parties named at the addresses set forth below on the date and in the manner noted in the margin by the names of each and copies of each .....~.. '" notice together with return receipts or proof of mailing are attached as Exhibits. The manner of service, as noted in the margin, utilizes the following codes: 1. Personal Service by the Sheri ff or in accordance with Pennsylvania Rule of CiviL Procedure 400.1. 2. Certified mail-return receipt attached 3. First Class Mail-Certificate 3817 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subj ect to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. Date: June 2, 2000 ~~ David B. co~ Attorney for P1a1nt1 _ 5 o c: "'"' ~-'- ............,- rnf':'i ~~ 050:;;:' 0<:'2 r=:C:J $ 2(") pO c: 2: =< ... '. c:: o '- c ~,. - ~ :..=:J l';~I~ .:'P2- -~=i(j f5:B --0 ,5rTf o-i 53 -< I CO " ::z:: N U,S, POSTAL SERVICE ,CERTIFICATE OF MAILING MAY BE USED FOR DOMEsnc PROVIDE FOR INSURANCE Po:~~f:~NATrONAL MAll, DOES NOT A x fe~ h9ltr, temps meter~po's'tj9ij'and Pl!J;t miik, In<l9h of f.9stmaster forn::;O' ant ~e. g 1'.1 CC?,MROE .HIN~ L:: ., "" "":J(JI:}.?~1 .~ rUU nk..llt\bl....:llle\J"':_,~ ~~"!: - ,~~~S , '. ~'1itA'i 400 ,( ~ :0l , Philadelphia. PA 191~~~~~.; -< !i)_r:..lf;' BA\' One Pf:ce of ordinary mail addressed to: \~ \ / ' "I' U 'u Fam1.1y Court Domestic Relatio~s"DiJl.-..-('OO ;: <::> I' _~oI6L~d? 0 . frotn & martket St ~ 0--- l~ tiarr~sourg ~A IllVl ~ ~ n m 1/1 *:tilflf'..***.ar.*lf Received From: reed mIn PS Form 3817, Mar. 1989 U, POSTAL SERVICE CERTIFICATE OF MAILING MAY BE USED FOR DOMESTIC AND INTERNATIONAL MAIL, DOES NOT PROVIDE FOR INSURANCE-POSTMASTER Aeceived From: 332 S t reed mln ,."---~- -~.-------- PS Form 3817, Mar. 1989 U,S. POSTAL SERVICE CERTIFICATE OF MAILING MAY BE USED FOA DOMEsnc AND lrifEANATlbNAL MAll, DO~ NOT PROVIDE FOR \NSUAANC.E,-:.f"O~T~~J?T.ER -- ,--,"-,"",",,01:: Mil 'j LLr> , .'~";' nil ' 'S' t . ',,; ,v.",rK0r lree Received From: 11 Second Ave NE 1:eed mln ?S Form 3817. Mar. 1989 _ ~,_______ _~__---'-' r_.-'-'-'--____- S. PO Al SERV CE CERTIFICATE OF MAILING MAY BE USED FOR DOMESTIC AND INTERNATIONAL MAll DOES NOT PROVIDE FOR INSURANCE-POSTMASTER " Received From: One piece of ordinary mail addressed to: ....- '"€oed mI.. PS Form 3817, Mar. 1989 . I ",".,,-\'1' Af~ fee h~e in sg*s or'9leter P9st8flll1~"d pd~t mad"; In9,"'ili~~,Of pOSto;:>a~'\ {'l~9ci ,',nt fee. ---.-_ - 'j;..'~~'\ . co-:J :!f'~ ~~ ,'~~ Nm -....""" -.J:a, I,::;""'" ,; l i~..:a-".lr._''-~ f;;\ /,'/ 'Ial I ~,.~ **'t***ltlt***** . T r~~ll' Affp;. fee h~e jn~\'I1~S or meter postagtl:! a d Pc\St" roarlf;~ lnq~ -f-- POs.1;maste5for",t:'iment fee., !1i\"'8'M,r co ~ -...: ~~@., ~ ~ .....~i~~ ~~ ~"~. EI ~ 1'0 I ~ W lIfo***ltltJt::fo***** .> Comroe Hing LLP By: David B. Comroe 1700 Market Street, Suite 1400 Philadelphia, PA 19103 (2151568-0400 Attorney for Plaintiff Identification No.: 25694 White Mountains Services Corp., f/k/a Source One Mortgage Services Corp. 27555 Farmington Road Farmington Hills,MI 48334-3357 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION - LAW Plaintiff vs. ACTION OF MORTGAGE FORECLOSURE Myles M. Reed Term 2311 N. Front st., #10D2, No. 2000-1109 Civil Term Harrisburg, PA 17110-1071 and Rebecca L. Reed, aka Rebecca Eden, aka Rebecca Troutman 2311 N. Front St., #1002, Harrisburg, PA 17110-1071 Defendants ................................................................... . ........................................................................... . AFFIDAVIT PURSUANT TO RULE 3129.1 White Mountains Services Corp., f/k/a Source One Mortgage Services Corp., Plaintiff in the above action, sets forth as of the date the praecipe for the Writ of Execution was filed, the following information concerning the real property located at 309 6th St., New Cumberland, PA, 17070: 1. Name and address of Owner or Reputed Owner: Myles M. Reed and Rebecca L. Reed,a/k/a Rebecca Eden, a/k/a Rebecca Troutman 2311 N. Front st., #1002 Harrisburg, PA 17110-1071 2. Name and address of I Defendants I~ in the judgment: I Service Code , > Myles M. Reed 2311 N. 1 Front st. , #1002, Harrisburg, FA 17110-1071 Rebecca L. Reed, aka Rebecca Eden, aka Rebecca 1 Troutman 2311 N. Front st. , #1002, Harrisburg, FA 17110-1071 3. Name and last _known address of every judgment creditor whose judgment is a record lien on the property to be sold: Date Service Code 4. Name an of record: ress of the last recorded ho er of every mortgage Date Service Code , Republic Bank, d/b/a ~~\~ 3 Flagship Mortgage Services 11 Second Ave NE St. Petersburg, FL 33701 ~(51~ Green Tree Consumer Discount Co. 3 HID-Mortgage Recording Dept. , 332 Minnesota St., Suite 610 St.Paul, MN 55101 5. Name and address of every other person who has any record interest in or record lien on the property and whose interest may be affected by the sale: I~ I Service Code 6. Name and address of every other person of whom the plaintiff has knowledge who has any record interest in the property which may be affected by the sale. I I~ I Service Code 2 . , Family Court, Domestic IJ~V 3 Relations Division One Courthouse Sq. Carlisle, PA 17 013 Family Court, Domestic Relations Division ~j 3 Dauphin County Courthouse Front & Market St. Harr'i sburg, PA 17101 7. Name and address of every other knowledge who has any interest affected by the sale. person of whom the plaintiff has in the property which may be (attach separate sheet if more space is needed) I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. ' ?/~ ~~ DATED: 3 ......,., . .,,,,;:; :li' , ',:; }.~;;~~~.:. ' ~" ., ;~IB:f. ,"" ,1 :'.'~~;~ ,If , :<'~';iZ.,' :'1~;>...,. ;.:itl/' .' " . ":~~~t~t: ".>t,' ,.:.;:,' ,:~;'~::~( ,,~:" "..:;~~'.~:::'" ;,:', 2"'. ,I ....;{"-"', ,.'.,:.;.., , .",.,,' ~:W;..- .J}~::: ~ yyy~: . '-~!':- "" .(, .:~~~~!~ .,. "':S-,:".!:' "..;/: "-,,, . ,.;..... .....',.-r:: , '." .~: ~:.':. '~;i~~. 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'J "::J ,::! .i:::~ ,1 .:i EI "" OJ <1J ,., '" Z '" '" '" <1J ~ "" <l o " OJ '" rn ::;: r: co '" E 2; u. '" ~ \ (") c $: ut.e n~rn 2::0 ~~: -<2 ~C' )::>.-. 2>. --0 >c ~ "". '""'/I' = <::> c.... c:: "'" I 00 o -n :.:::! ~-';l~ ~'~~? Sf.:;> ~~~ Om -, 55 -< ~ -2;: ;" 'Comroe Hing LLP By: David B. Comroe 1700 Market street, Suite 1400 Philadelphia, PA 19103 (215) 568-0400 Attorney for Plaintiff Identification No.: 25694 White Mountains Services Corp., f/k!a Source One Mortgage Services Corp. 27555 Farmington Road Farmington Hills,MI 48334-3357 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION - LAW Plaintiff vs. ACTION OF MORTGAGE FORECLOSURE Myles M. Reed Term 2311 N. Front st., #1002, No. 2000-1109 Civil Term Harrisburg, PA 17110-1071 Rebecca L. Reed, aka Rebecca Eden, aka Rebecca Troutman 2311 N. Front St., #1002, Harrisburg, PA 17110-1071 Defendants ............................................................. . ............................................................. . NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Myles M. Reed, Rebecca L. Reed, aka Rebecca Eden, aka Rebecca Troutman Your property at 309 6th st., New CumberL,md, PA. 17070 in Cumberland County, Pennsylvania is scheduled to be sold at Sheriff's Sale on September 6, 2000, at 10:00:00 AM, in Cumberland County to enforce the Court Judgment of $54,326.19 plus accrued interest obtained by White Mountains Services Corp., f/ k! a Source One Mortgage Services Corp. against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale you must take immediate action: 1. The sale will be canceled if you pay to Comroe Hing LLP, attorneys for the Plaintiff, the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay call: (215)568-0400 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the jUdgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the greater chance you will have of stopping the sale. (See notice below to find out how to obtain an attorney) . YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the bid price by calling the Sheriff of Cumberland County at 717-240-6390. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call the Sheriff of Cumberland County at 717-240-6390. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time~n~ the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A_ schedule of distribution of the money bid for your house will be filed by the Sheriff within thirty (30) days of 2 the Sale date. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exemptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET HELP. THIS IS A PROCESS THE PURPOSE OF WHICH IS TO COLLECT A DEBT AND ANY INFORMATION OBTAINED FROM YOU OR ANYONE ELSE WILL BE USED TO THAT END. 3 DESCRIPTION ALL THAT CERTAIN tract or parcel of land and premises, Situate, lying and being in the Borough of New Cumberland in the County of Cumberland and Commonwealth of Pennsylvania, more particularly described as follows: BEG1NNING at a point on the Northern side of Sixth Street (50 feet wide) a distance of Twenty- nine and five tenths (29.5) feet-measured from a pin at the Northeastern corner of Sixth Street and Third Alley (20 feet wide); thence by other land now or formerly of Maude A. Bixler Estate North 31 degrees 30 minutes West a distance of seventy-five (75) feet to a point; thence by land now or formerly of W.J. Driver North 58 degrees 30 minutes East a distance of nineteen and one-tenth (19.1) feet to a point; thence by land now or formerly of the Maude A. Bixler Estate and conveyed to Ralph M. Shoop and Wife and through the center line of a partition wall South 31 degrees 30 minutes East a distance of severity-five (75.0) feet to a point on the Northern side of Sixth Street; thence along Sixth Street South 58 degrees 30 minutes West a distance of nineteen and one-tenth (19.1) feet to a point, the place of beginning. BEING a pa:rt of the Subdivision Plan of the Estate of Maude A. Bixler, as surveyed by D.P. Raffensperger and Associates, Camp Hill, Pennsylvania, on August 23, 1973 and recorded in the Office of the Recorder of Deeds of Cumberland County in Plan Book 24, page 78 on November 14, 1973. HAVING thereon erected a semi-detached frame dwelling house known and numbered as 309 6th Street, New Cumberland, Pennsylvania. Parcel # 25-24-0811-028A --~ ~~ '"'.'. '" DESCRIPTION ALL THAT CERTAIN tract or parcel of land and premises, Situate, lying and being in the Borough of New Cumberland in the County of Cumberland and Commonwealth. of Pennsylvania, more particularly described as follows: BEGINNING at a point on the Northern side of Sixth Street (50 feet wide) a distance of Twenty- nine and five tenths (29.5) feet measured from a pin at the Northeastern corner of Sixth Street and Third Alley (20 feet wide); thence by other land now or formerly of Maude A. Bixler Estate North 31 degrees 30 minutes West a distance of seventy-five (75) feet to a point; thence by land now or formerly of W.J. Driver North 58 degrees 30 minutes East a distance of nineteen and one-tenth (19.1) feet to a point; thence by land now or formerly of the Maude A. Bixler Estate and conveyed to Ralph M. Shoop and Wife and through the center line of a partition wall South 31 degrees 30 minutes East a distance of severity-five (75.0) feet to a point on the Northern side of, Sixth Street; thence along Sixth Street South 58 degrees 30 minutes W~st a distance of nineteen and one-tenth (19.1) feet to a point, the place of beginning. BEING a part of the Subdivision. Plan of the Estate of Maude A. Bixler, as surveyed by D. P. Raffensperger and Associates, Camp Hill, Pennsylvania, on August 23, 1973 and recorded in the Office of the Recorder of Deeds of Cumberland County in Plan Book 24, page 78 on November 14, 1973. HAVING thereon erected a semi-detached frame dwelling house known and numbered as 309 6th Street, New Cumberland, Pennsylvania. Parcel # 25-24-0811-028A , (") 0 0 c: = ...,., S. --I -urn ~ r.h;g mrn Z::c I -""'l~ ZS:: -1"10 G.r;:!.~._ .= ~~ ~6 " ~o :3: ~.)~ --.0 ~.rTi >-c: ~ ~ z ~ ::D ~ -< , , 4 STATE OF PENNSYLVANIA, COUNTY OF CUMBERLAND } ss. ~ ____~_~~~~I__~_~_i~gl~_~____________________________________~~________________~ecorderof Deeds in and for said County and State do hereby certify that the Sheriffs Deed in which ________________ Veterans Affairs Secretary . ___________________________-_____________________ ______.,..------_____.......,..._______________ IS the grantee the same having been sold to said grantee on the ______________fLtA_____________________________ day of ___A~S'.!'!'.!e~!'____________--------------- A. D.,' 2QQ9___, under and by virtue of a wriL_____________ Execution . d th 8th ___ ________ ____ _ _______... ____ ___ _______ _____... ____ISSue on e ____ _____ ____ _____ __ __ ____________ ___ day ~f~:______________________-_ A. D., 200~___, out of the Court of CODlIDan Pleas of said County as of Civil .~2000 _ ______.., ________________....___ _ _.'._____ _ __ __ _______ __ ________ ____________ ____ __ :...___ _ Term, ____ Number 1.J_Q.~_________, at the suit of __________~!!i.t_~J~.9.!lJl!:~j._Il~_.e~_;:~__.9...~~_P_JJ~.~_E_q,~;:_f-:e__QI1~__~SZ Serv Corp . Myles M, Rebecca L REed aka Rebecca Kden aka ___ ________ __...__________________ ____ agatnst_ _____ __ __ _____ ________ ____ ______ ____ ____ ____ ____ __ _ IS Rebecca Troutman duly recorded in Sheriffs Deed Book No. 3_'::~________, Page _~~~_______. IN TESTIMONY WHEREOF, I have hereunto set my hand and seal of said office this __(:2..1:1..__ day of -----I;r7-.---------:;;,- D~,&C~t ----~~~io;~ Reeent", 01 o.eds. CumbeTland Ceonty. eorflSle. PA My CommisSiOn Expires the FilS! Monday of Jon. 2002 White Mountains Services Corp., fi'kla Source One Mortgage Services Corp. -vs- Myles M. Reed and Rebecca 1. Reed aka Rebecca Eden aka Rebecca Troutman In the Court of Common Pleas of Cumberland County, Pennsylvania No. 2000-1109 Civil Timothy Reitz, Deputy Sheriff, who being duly sworn according to law, says on July 20, 2000 at 7:53 o'clock P.M. EDST, he served a true copy of Real Estate Writ Notice Poster and Description in the above entitled action upon one of the within named defendants to wit: Myles M. Reed, by making known unto Myles Reed at 517 North Mountain Road, Newville, Cumberland County, Pennsylvania, its contents and at the same time handing to him personally the said true and attested copies of the same. R. Thomas Kline Sheriff, who being duly sworn according to law, says he made diligent search and inquiry for one of the within named defendants to wit: Rebecca L. Reed aka Eden aka Troutman, but was unable to locate he in his bailiwick. He therefore deputized the Sheriff of Dauphin County to served the above Real Estate Writ Notice Poster and Description according to law. Dauphin County Return: I Jack Lotwick, Sheriff of the County of Dauphin, State of Pennsylvania, do hereby certify and return, tllat I made diligent search and inquiry for Rebecca Reed aka Eden aka Troutman the defendant named in the within Real Estate Writ Notice Poster and Desp. And that I am unable to find her in the County of Dauphin, and therefore return the same Not Found, June 19,2000. So answers: J.R. Lotwick, Sheriff R. Thomas Kline, Sheriff, who being duly sworn according to law, says he served the above Real Estate Writ Notice Poster and Description in the following manner: the Sheriff mailed a notice of the pendency of the action to one of the within named defendants to wit: Rebecca 1. Reed aka Eden aka Troutman by Certified Mail Return Receipt Requested, Restricted Delivery, Deliver To Addressee Only to 800 West Keller Street, Mechanicsburg, Pennsylvania. This letter was mailed under the date of August 4, 2000 and returned to the Sheriffs Office on August 8, 2000 with reason checked Moved Left no Forwarding Address. Kathy J. Clarke, Deputy Sheirff, who being duly sworn according to law, says on July 26,2000 at 6:61 o'clock P.M. EDST, she posted a copy of real estate Writ Notice Poster and Description on the proEerty of Myles M. Reed and Rebecca 1. Reed alea Eden aka Troutman located at 3096 Street, New Cumberland, Cumberland County, Pennsylvania according to law R. Thomas Kline, Sheriff, who being duly sworn according to law says he served the above Real Estate Writ Notice Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action to one of the within named defendants to wit: Myles M. Reed to 517 North Mountain Road, Newville, P A. This letter was mailed under the date of August 7, 2000 and never returned to the Sheriff s Office. R. Thomas Kline, Sheriff, who being duly sworn according to law, says he served the above Real Estate Writ Notice Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action to one of the within named defendants to wit: Rebecca L. Reed aka Eden aka Troutman by regular mail to 800 West Keller Street, Mechanicsburg, Pa. This letter was mailed under the date of August 7, 2000 and returned to the Sheriff s Office on August 10, 2000 with reason checked Moved Left No Forwarding Address. We also tried to make service on Rebecca L. Reed at 309 6th Street, New Cumberland, PA and 800 West Keller Street, Mechanicsburg, PA. R. Thomas Kline, Sheriff who being duly sworn according to law, says he made diligent search and inquiry for one of the within named defendants to wit: Rebecca L. Reed a!kIa Eden a!kIa Troutman, but was unable to locate he in his bailiwick. He therefore deputized the Sheriff of Dauphin County, to serve the above Real estate Writ Notice Poster and Description according to law. DAUPHIN COUNTY RETURN: And now August 31, 2000 at 9:15 am served the within Sale of real Estate Property upon Rebecca Reed AJKJ A Eden AJKJ A Troutman by personally handing to her 1 true and attested copy of the original Sale of Real Estate Property and making known unto her the contents thereof at 5300 Derry Street, Harrisburg, PA So answers: l.R. Lotwick Sheriff Dauphin County, PA. R. Thomas Kline, Sheirff, who being duly sworn according to law, says that after due and legal notice had been given according to law, exposed the above described premises at public venue or outcry at Court House, Carlisle, Cumberland County, Pennsylvania on December 6, 2000 and sold the same to Attorney Johanna Kopecky for Secretary of Veterans Affairs for the sum of $ 1.00. It being the highest bid and best price quoted for the same Secretary of Veterans Affairs of Wissahickon Avenue & Manheim Street, Philadelphia, Pa being the buyer in this execution paid to SheriffR. Thomas Kline the sum of$ 960.87 it being costs. Sheriff's Costs Docketing Poundage Posting Bills Advertising Acknowledging Deed Auctioneer Law Library County Mileage Certified Mail Levy Surcharge Postpone sale Out of County . Dauphin County Law Journal Patriot News Share of Bills Distribution of Proceeds 30.00 18.84 15.00 15.00 30.00 10.00 .50 1.00 10.54 6.75 15.00 30.00 20.00 9.00 31.50 344.45 297.26 23.53 25.00 ~. ail?' ,30 . 1,,,1) \033 r9 Gl'03 0[,4 (6P,1 Sheriff s Deed 27.50 $ 960.87 pd by arty 01/04/01 Sworn and Subscribed To Before Me This jet ~ Day o:tl)" " ^' . 9 } 2001, A.D. 'g" Q. ft-t,PP, " rAR;t1' Pr th notary so~~~ R. Thomas Kline, Sheriff By /J.:k.: _ ". ilk Real Estate Deputy ..~... Comroe Hing LLP By: David B. Comroe 1700 Market Street, Suite 1400 Philadelphia, PA 19103 (215)568-0400 Attorney for Plaintiff Identification No.: 25694 White Mountains Services Corp., f/k/a source One Mortgage Services Corp. 27555 Farmington Road Farmington Hills,MI 48334-3357 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION - LAW Plaintiff vs. ACTION OF MORTGAGE FORECLOSURE Myles M. Reed Term 2311 N. Front St., #1002, No. 2000~1109 Civil Term Harrisburg, PA 17110-1071 and Rebecca L. Reed, aka Rebecca Eden, aka Rebecca Troutman 2311 N. Front St., #1002. Harrisburg, PA 17110-1071 Defendants ............................................................. . ............................................................. . AFFIDAVLTYURSUANT TO RULE 3129.1 White Mountains Services Corp., f/k/a Source One Mortgage Services Corp., Plaintiff in the above action, sets forth as of the date the praecipe for the Writ of Execution was filed, the following information concerning the real property located at 309 6th St., New Cumberland, PA, 17070: 1. Name and' address of Owner or Reputed Owner: Myles M. Reed and Rebecca L. Reed,a/k/a Rebecca Eden, a/k/a Rebecca Troutman 2311 N. Front st., #1002 Harrisburg, PA 17110-1071 2. Name and address I of Defendants l~ in the judgment: I Service Code .1 .~ - - __0- --- - Myles M. Reed 2311 N. 1 Front St. , #1002, Harrisburg. PA 17110-1071 Rebecca L. Reed, aka Rebecca Eden, aka Rebecca 1 Troutman 2311 N. Front St. , #1002, Harrisburg, PA 17110-1071 - 3. Name and last known address of every judgment creditor whose judgment is a record lien on the property to be sold: I 4 . of Name and address of record: !Datelserv1ce_code Che: :-recorded holder M .1 everY'IDortgage - - -- - Date Service Code Republic Bank, d/b/a - ' &\b\~ 3 Flagship Mortgage Services 11 Second Ave NE st. Petersburg, FL 33701 ~[slcJ Green Tree Consumer Discount Co. 3 HID-Mortgage Recording Dept. . 332 Minnesota st .. Suite 610 St. Paul, MN 55101 -.." - 5. Name and address of every other person who has any record interest in or record lien on the property and whose interest may be affected by the sale: I serviC;-C-ode I I~ 6. Name and address of every other person of whom the plaintiff has knowledge who has any record interest in the property which may be affected by the sale. I " I ~ I Service Code 2 Family Court, Domestic ~~V 3 Relations Division One Courthouse sq. Carlisle, PA 17013 Family Court, Domestic Relations Division '~~ 3 Dauphin County Courthouse Front & Market st. Harrisburg, PA 17101 7. Name and address of every other knowledge who has any interest affected by the sale. person of whom the plaintiff has in the property ,.,rhich may be (attach separate sheet if more space is needed) I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Fa. C.S. Section 4904 relating to unsworn falsification to authorities. DATED: ?/~ ~ 3 ;';' n, ~ :~;:";:'> '!'''f!:L .i,. f!;~1ii:. ;\~'l.' ',.' b.L .~ . " ." .'~ '..' -.'; ~; .~ l'~t/:', . . .(:,~~...""" ::.'",,'. t~ ,';~ '!.:-.. 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'" ~~ , o .--i .--i ~1 f5, '" :z; '.'j ;.\ '" ~ "" " o <J III U) E o u: ~ > ~ 00 ~' \ , " Comroe Hing LLP By: David B. Comroe 1700 Market Street, Suite 1400 Philadelphia, PA 19103 (215)568-0400 Attorney for Plaintiff Identification No!: 25694 White Mountains Services Corp., f/k/a Source One Mortgage Services Corp. 27555 Farmington Road Farmington Hills,MI 48334-3357 Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL-ACTION - LAW vs. ACTION OF MORTGAGE FORECLOSURE Myles M. Reed 2311 N. Front St., #1002, Harrisburg, PA 17110-1071 Rebecca L. Reed, aka Rebecca Eden, aka Rebecca Troutman 2311 N. Front St., #1002, Harrisburg, PA 17110-1071 Term . No. 2000-1109 civil Term DefendanJ:s .................................................................................... . ............................................................................................. . NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Myles M. Reed, Rebecca L. Reed, aka Rebecca Eden, aka Rebecca Troutman Your property at 309 6th St., New Cumberland, PA, 17070 in Cumberland County, Pennsylvania is scheduled to be sold at Sheriff's Sale on September 6, 2000, at 10:00:00 AM, in Cumberland County to enforce the Court Judgment of $54,326.19 plus accrued interest obtained by White_Mountains Service~ Cor2., f/k/a Source One Mortgage Services Corp. against you. , . . .. NOTICE OF OWNER'S RIGHTS YOU MAY BE AHLEToPREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale you must take immediate action: 1. The sale will be canceled if you pay to Comroe Hing LLP, attorneys for the Plaintiff, the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay call: (215)568-0400 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale:through other legal - proceedings .. ", You may need an attorney to assert your rights. The sooner you contact one, the greater chance you will have of stopping the sale. (See notice below to find out how to obtain an attorney) . YOU MAY ~TILL BE ABLE TD SAVE YOUR PROPERTY AND YOU HAVE OTHER RI GHT~S EVEN I F THE, SHERI F.F' S ,SALE DOES TAKE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the bid price by calling the Sheriff of Cumberland County at 717-240-6390. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. - ' 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call the Sheriff of Cumberland County at 717-240-6390. 4. I f the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within thirty (30) days of 2 " \. the Sale date. This schedule will__ state who will be receiving the money. The money will be paid out in aCGordance with this schedule unless exemptions (reasons why the proposed distribution is wrong) are filed with_ the Sheriff within ten (10) days after. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET HELP. THIS IS A PROCESS THE PURPOSE OF WHICH IS TO COLLECT A DEBT AND ANY INFORMATION OBTAINED FROM YOU OR ANYONE ELSE WILL BE USED TO THAT END. { 3 . . . , I ~ DESCRIPTION ALL THAT CERTAIN tract or parcel of land and premises, Situate, lying and being in the Borough of New Cumberland in the County of Cumberland and Commonwealth of Pennsylvania, more particularly described as follows: BEGINNING at a point on the Northern side of Sixth Street (50 feet wide) a distance of Twenty- nine and five tenths (29.5) feet measured from a pin at the Northeastern corner of Sixth Street and Third Alley (20 feet wide); thence by other land now or formerly of Maude A. Bixler Estate North 31 degrees 30 minutes West, a distance of seventy-five (75) feet to a point; thence by land now or formerly of W.J. Driver North 58 degrees 30 minutes East a distance of nineteen and one-tenth (19.1) feet to a point; thence by land now or formerly of the Maude A. Bixler Estate and conveyed to Ralph M. Shoop and Wife and through the center line of a partition wall South :n degrees 30 minutes East a distance of severity-five (75.0) feet to a point on the Northern side of Sixth Street; thence along Sixth Street South 58 degrees 30 minutes West a distance of nineteen and one-tenth (19.1) feet to a point, the place of beginning. BEING a part of the Subdivisio_nI'lan Qf the Estate of Maude A. Bixler, as surveyed by D.P. Raffensperger and Associates, Camp Hill, Pennsylvania, on August 23, 1973 aud recorded in the Office of the Recorder of Deeds of Cumberland County in Plan Book 24, page 78 on November 14, 1973. HAVING thereon erected a semi-detached frame dwelling house known and numbered as 309 6th Street, New Cumberland, Pennsylvania. Parcel # 25-24-081l-028A , . ( ~ DESCRIPTION ALL THAT CERTAIN tract or parcel of land and premises, Siruate, lying and being in the Borough of New Cumberland in the County of Cumberland and Commonwealth of Pennsylvania, more particularly described as follows: - . ,- BEGINNING at a point on the Northern side of Sixth Street (50 feet wide) a distance of Twenty- nine and five tenths (29.5) feet measured from a pin at the Nonheastem corner of Sixth Street and Third Alley (20 feet wide); thence by other land now or formerly of Maude A. Bixler Estate North 31 degrees 30 minutes West a distance of seventy-five (75) feet to a point; thence by land now or formerly of W.J. Driver North 58 degrees 30 minutes East a distance of nineteen and one-tenth (19.1) feet to a point; thence by land now or formerly of the Maude A. Bixler EstJl.te and conveyed to Ralph M. Shoop and Wife and through the center line of a partition wall South 31 degrees 30 rriinutes East a distance of severity-five (75.0) feet to a point on the Northern side of: Sixth Street; thence along Sixth Street South 58 degrees 30 minutes We,st a distance of nineteen and one-tenth (19.1) feet to a point, the place of begirining. BEING a part of the Subdivision Plan of the Estate of Maude A. Bixler, as surveyed by D,P. Raffensperger and Associates, Camp Hill, Pennsylvania, on August 23, 1973 and recorded in the Office of the Recorder of Deeds of Cumberland County in Plan Book 24, page 78 on November 14, 1973. HAVING thereon erected a semi-detached frame dwelling house known and numbered as 309 6th Street, New Cumberland, Pennsylvania. Parcel # 25-24-0811-028A . . . . WRIT OF EXECUTION and/or A IT ACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO. 00-1109 CIVIL 1~ Term CIVIL ACTION - LAW TO THE SHERIFF OF Cumberland COUNTY: To satisfy the debt, interest and costs due White Mountains Services Corp.. f/k/a Source One Mortgage Services Corp PLAINTIFF(S) from Myles M. Reed and Rebe=a L. Reed, aka Rebecca Eden, aka Rebecca Troutman, 2311 N. Front St., Harrisburg, PA 17110-1071 DEFENDANT(S) (1) You are directed to levy upon the property of the defendant(s) and to sell See Leqal Description "':"'iI (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of .--'-~--~~ '- ~ ": ,GARNISHEE(S) as follows: t,. " ' and to notffy the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is/are enjoined from paying any debt to or for the accountof the detendant(s) and from delivering any property of the defendant(s) or otherwise disposing thereof; . . (3) Ifpropertyof the defendant(s) notlevied upon an subjectto attachment is found in the possession of anyone other than a named garnishee, you are directed to notify himlherthat he/she has been added as agarnishee and is enjoined as above stated. Amount Due $S4 1?'; 1 q L.L. from 6/2/00'throuqh 9/6/00 at note Interest f 7' $8 97 d' ,Due Prothy - rate 0 % or . per, ~em -- .' ij; U I $852.15 . - ------ Other Costs Atty Paid $188.66 Plaintiff Paid :'; so $1.00 Date: June 8, 2000 Curtis R. Long Prothonotary, Civil Division ~ a Q~' . P .71;?O'1/?A"'1t..r..-r- Deputy REQUESTING PARTY: Name - Address: David B. Co=o". Esq. 1700 Market Street. Suite 1400 Philadelphia. PA 19103 Attorney for: Plaintiff Telephone: 215-568-0400 Supreme Court ID No. 2S694 REAL ESTATE SALE No" 3'7 On ~ 1;1. ~ the sheriff levied upon the defendants interest in the real property situated in 4l"~, ;f!.1..rJ__d.....( &a",;/,. Cumberland COblnty, Pa., known and numbered as: ?d 9 ~.u.-JL---I ~ WJ-.iand more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. !late: 9'~ 1;>, """" B!1!3~ ~!' ~'t/, -J.' S f!~: ]\.1 r' f . C f; f' r I!or ' ~ (-, J;;. . 0 !J fill! ).1;':1:",. '., -, I t'~ - 1...: ~ .' . ., ", I "" .:i.:::!.c':,,'( ~~lJ 1(1 '1"'1, ,'I~ . "'., ,","I;5,\! < . .. ...' ~ ~ \ i j , I ~) evil CVil c::::::J e=e> I1Uil ~E~tAre~~iw,:i9 'Wt'lt:>>o;~tt09 "',:C"jltorlll ,,',', '-Whit~ MO_Ur)~(os:sefYjce$ 'Ci:i~;:;~'i~~~-Or1e "/Aorlgio1li>SO"l""o Corp. .,----"- --M~- li!y~f(,R..."nd :_:_:,_:J1'~'L._.:Reed'~: ;'~I!lI'ii......Ed.n , ,Afjj';i~idB<Comr<>> , ,,,,,,,,",,l;!S;RIPJ]QN All,--n~t.~'-r:t~~t:~;(N-:h.u{:,-,r__piu'(ci - of 'l~n,~, jI,na :l)temiq~~_~'ttltah\ l~inp,; "nd b~hlg. in :%_/~kti'~~UJ;h_ ~~j _ N~~W' _Cll~ber11l~d__ _~_...t.~~ Ojifri~' _~)f:t'.u,~b.~ria,I1_d_:;Jil~ _C~Jn(jn\((':;tlt~ :ttf'J>f:~~~:h;U_ilil, ::mqrp.. p,trtJ~!.ll;lrl}' ~i~~,;ri~~'d: 118,:I'I_~llQw~;:_ ___ _ __-., . ___.: _--- _.'_: " . tlEGI!\Nn~G_ at ,lrt)b1l_,Oftib"'__,~:Orlhcn,: _!i:l'de In Sb.lb St~P.(!t [$DJ~_d, wlael-il_dj:;Iaf1(l' J)t h~'('ijh';run{ ilna- B\,j~- --t.!:yiUi; {i'i.!ij - Ii.~d .rJ,~l':.:dl_;lrd from__ .1__ phi _dllbl:'_ NooheJsh-:il1 tOfrw.r of SiXJh Strl.'d and Thkd .~lIpv j.;!(ll~'d ~'j..:l(I; lh~'ncl' bv lAher land i'lqw or"fnr!1'1r.rft' ~:lf'! la(td,t: AJ~!~e,(~Slal~:, North, J.1 ,dt:grr~s. 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',':":ffH~F.'i'fr Mtt:ijrllit~uPdh'i~ii)h:},lim of Ole -'fi.~at~,:f\fM,j~~f~I, iL :~1~1~'r, .ti> ~;un"t;.....~.:f {:Iv rr~,,#.l--,f~:!1:~Btjri ';1: J nif ,~':'.;:Kl~t,~~, <:anip,l:liIL l\'m~i;\'lv,j.nj~" ,':",t, ;;,~l)il:,q~L.- ~:\: ,.t971',: ;mJ ,,#,\J[d~d, i(l"I,~.i:, })iflFr j,lf"lbe Rl:~lJI'd(~r" ,}r ,beeii:s :qf C:J"lIl.1p.c,d,lnd ,O~(j,(in', itl f'l.1n 8oo!.:. ,~d,~gi A{D:i{~lj"'~~,ir;b~;r HTJf7;l,: ,HAVH\G::,:AiJ~fl',')fl :': :)r~~fC~:::::f,:::7,(:~,i-ill. :~(~,ed :q;'mt!"~i"'i~lljng',f.tnu.~::fi.:t'!,u:wn,,Alid #~it\h~t~~~::,,' ,',',~i:~:,::',)}tl~", ,:.-:,:f,(ih ";str0,d;' ':',N~~,~' e:tlJirrnffhnit PrhriN~.inj,~~ .. .,_. t.1!!cl'~$:i:P~~-l-H12R/L ~_. , THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587. AODroned Man 16. 1929 Commonwealth of Pennsylvania, County of Dauphin} ss James L. Clark being duly sworn according to law, deposes and says: That he is the Accounts Receivables Manager of THE PATRIOT-NEWS CO.. a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and pUblisher of THE PA TRIOT- NEWS and THE SUNDAY PATRIOT-NEWS newspapers of general circulation, printed and published at 812 to 818 Market Street, in the City, County and State aforesaid; that THE PATRIOT-NEWS and THE SUNDAY PATRIOT-NEWS were, established March 4th, 1S54, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely atfached hereto is exactly as printed and published in their regular daily and/or Sunday and Metro editions/issues which appeared on the 1 st, 8th and 15th day(s) of August 2000. That neither he nor said Company is interested in the subject maller of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That he has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said com:c:;ia and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Mi{{ aneous Book "M", va;:: ~~':;~~I:: --______________-tl~---l------------------------ COpy S . 30th day of ugust 0 A.D. S ALE #39 Notarial Seal Terry L. Russell, Notary Public Harrisburg, Dauphin County MyComlTl;sslonE)(~resJune6.2002 NO RY PUBLIC Member, Pennsytvania Association ot ~resmmission expires June .6., 2002 CUMBERlAND COUNlY SHERIFFS OFFICE CUMBERlAND COUNlY COURTHOUSE CARLISLE, PA. 17013 '-i '~ Statement of Advertising CostS. To THE PATRIOT-NEWS CO., Dr.' For publishing the notice or publication allached hereto on the above stated dates $ Probating same Notary Fee( s) $ T~~ $ 295.78 1.50 297.26 Publisher's Receipt for Advertising Cost THE PATRIOT-NEWS CO., publisher of THE PATRIOT-NEWS and THE SUNDAY PATRIOT-NEWS, newspapers of general circulation, hereby acknowledge receipt of the aforesaid notice and publication costs and certifies that the same have been duly paid. THE PATRIOT-NEWS CO. By.................................................................... '-~.---, REAL ESTATE SALE NO. 39 Writ No. 200D-ll 09 Civil 'Wh1te Mountains Serv1ces Corp.. f/k/a Source One Mortgage Services Corp. v.. Myles M. Reed and Rebecca L. Reed. a/k/a Rebecca Eden. a/k/a Rebecca Troutman Atty.: David 5. Cornroe DESCRIPl10N ALL THAT CERTAIN tract or par- cel of land and premises, Situate, lyJIlg and being in the 50rougl'1 of New - Cumberland in the County of Cumberland and Commonwealth of Pennsylvania. more particularly de- scribed as follows: BEGINNING at a pOint on the Northern side of SiXth Street (50 feet Wide} a distance ofTwenty-niIle and five tenths (29.5) feet measured from a pin at the Northeastern comer of Sixth Street and Third Alley [20 feet Wide); thence by other land now or formerly of Maude A. BiXler Estate North 31 degrees 30 minutes West a distance of seventy-five (75) feet to a point; thence by land now or formerly ofW.J. Driver-North 58 degrees. 30 minutes East a distance of nineteen and one-tenth (19.1) feet to a point; thence by land now or formerly of the Maude A. BiXler Estate and conveyed to Ralph M. Shoop and WIfe and through the center line of a partition wall South 31 degrees 30 minutes East a distance of seventy-five (75.0) feet to a point on the Northern side of Sixth Street: thence along Sixth Street South 58 degrees SO minutes West a distance of nineteen and one- tenth (19.1) feet to a point, the place of begfnnJng. BEING a part of the SubdiViSion Plan of the Estate of Maude A. Bixler, as surveyed by D.P. Raffensperger and Associates. Camp Hill. Pennsyl- vania. on August 23. 1973 and re- corded 1n the Office of the Recorder of Deeds of Cumberland County in Plan Book 24, page 78 on November 14. 1973. HAVING thereon erected a semi- detached frame dwelling hou'-se lmmrn. and numbered as 309 6th Street. New Cwnberland. Pennsylva- I nia. . -' Parcel #25-24-0811-028A. , PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16,1929), P. L.1784 STATE OF PENNSYL V ANlA: ss. COUNTY OF CUMBERLAND : Roger M. Morgenthal, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, VlZ: ruLY 28, AUGUST 4,11,2000 Affiant further deposes that he is authorized to verifY this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. Roger M. Morgenthal, Editor SWORNTOANDSUBSCRrnEDbefureme~s 11 day of AUGUST. 2000 NOTAllJAil'ie.Ury Co ~016 E. SN'IDER, Notcry Pui>Iic rfitle ~~, Cumb..-lana Colinty. PA My Comm....on Expires Mo<eh 5,2001