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Home My WebLink About00-02018 MARTHA E. VON ROSENSTIEL, ESQUIRE MARTHA E. VON ROSENSTIEL, P.C. 16 SOUTH LANSDOWNE AVENUE PO BOX 457 LANSDOWNE, PA 19050 GMAC Mortgage Corporation 500 Enterprise Road Horsham, PA 19044-0963 Plaintiff; vs. Harry L. Winters and Sharon L. Winters 100 Ross Avenue New Cumberland, PA 17070 Defendant NOTICE Attorney for Plaintiff COURT OF COMMON PLEAS Cumberland COUNTY Case No: C() - b'lOI'? ~ ADVISO You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or o~jections $0 the claims set forth against you by the court without further notice for any money claimed in the complaint I. or for any other claim or relief requested by the plaintiff. You m"y 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. Le han demandado a usted en 1a corte. Si usted quiere defenderse de estas demandas expuestas en 1as paginas siguientes, usted tiene veinte (20) dias de plaza al partir de la fecha de 1a demanda y la notificacion. Hace falta a senlar una comparencia escrita 0 en persona 0 con un abogado yentregar a la corte en fonna escrita sus defensas 0 sus objeciones a las demandas en contra de su persona. Sea a visado que si usted no se defiende, la corte toma ra medidas y puede continuar la demanda en contra suya sin previo aviso 0 notificacion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisiones de eSta demanda. Usted puede percleI' dinero 0 sus propiedades 0 OlrOS de rechos importantes para usted. LLEVE EST A DEMANDA A UN ABOGADO INMEDIA l' AMENTE. SI NO TIENE ABOGADO 0 SI NO TIENE EL DINERO SUFlCIENTE DE PAGAR TAL SERVICIO. V AY A EN PERSONA 0 LLAME POR TELEFONO A LA OFlCINA CUY A DIRECCION SE ENCUENTRA ESCRIT A ABAJO PARA A VERIGUAR DONDE SEPUEDE CONSEGUIR ASISTENCIA LEGAL. CUMBERLAND COUNTY BAR ASSOCIATION 2 LffiERTY AVENUE CARLISLE, PA 17013 717-249-3166 800-990-9108 "-'I'M" , I - ~,~ MARTHA E. VON ROSENSTIEL, ESQUIRE MARTHA E. VON ROSENSTIEL, P.C. 16 SOUTH LANSDOWNE AVENUE PO BOX 457 LANSDOWNE, PA 19050 Attorney for Plaintiff GMAC Mortgage Corporation 500 Enterprise Road Horsham, PA 19044-0963 Plaintiff, COURT OF COMMON PLEAS Cumberland COUNTY Case No: tJ.V- .2DI'i f2.;d -r~ vs. Harry L. Winters and Sharon L. Winters 100 Ross Avenue New Cumberland, PA 17070 Defendant CIVIL ACTION - MORTGAGE FORECLOSURE THIS IS AN ATTEMPT TO COLLECT A DEBT ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE 1. Plaintiff is GMAC Mortgage Corporation, a corporation organized and existing under state law, with offices for the conduct of business at 500 Enterprise Road, Horsham, PA 19044- 0963. 2. Defendants, Harry L. Winters and Sharon L. Winters are the mortgagors and real owners of premises 100 Ross Avenue, New Cumberland, PA. 17070, hereinafter described, whose last known address is the same as above. 3. Plaintiff brings this action in mortgage foreclosure against defendants, mortgagors and real owners, to foreclose a certain indenture of mortgage made, executed and delivered by the above named defendants, mortgagors and real owners to "''!'>~ Accubanc Mortgage Corporation on September 14, 1998, which mortgage is recorded in the Office of the Recorder of Deeds of Cumberland County in Mortgage Book No. 1337, page 2247, secured on premises 100 Ross Avenue, New Cumberland, PA. 17070 a true and correct description of which is attached hereto as Exhibit I . 4. The mortgage has since been assigned to the plaintiff herein. 5. Plaintiff alleges each and every term, condition and covenant in the aforesaid mortgage, and hereby incorporates them herein by reference thereto. 6. The aforesaid mortgage is in default in that monthly installments of principal and interest have not been made conformity with the terms of the mortgage, for the month of November 1, 1999 and each month thereafter, up to and including the present time. 7. Under the terms of the aforesaid mortgage, upon default of payments set forth in the mortgage documents, the entire principal balance and all interest due thereon are collectible forthwith. 8. The following is an itemized statement of the amount due plaintiff under the terms of the aforesaid mortgage: Principal Balance Interest from 10/01/1999 to 03/30/2000 $ 72,801.61 ~- TOTAL $ 2,813.72 $ 105.32 $ 26.33 $ 734.80 $ 75.00 $ 3,600.00 $ 250.00 $ 35.00 $ 10.00 $ 80,346.46 At $15.46 per diem Accrued late charges to 2/15/00 Late charges 03/15/00 at $26.33 Escrow deposits 11/1/1999 to 3/1/00 at $146.96 Monthly Inspections from 11/01/1999 To 03/01/2000 at $15.00 per month Attorney's Fee Title Information Certificate Photostats and Postage Notarizations 9. Plaintiff sent to defendants, mortgagors and real owners a combined Notice and Warning of Intention to Foreclose and Notices of Homeowners' Emergency Mortgage Assistance Act of 1983 advising of rights available under the statutes. To date payments have not been received and Act 91 assistance has not been granted although the applicable time periods provided by statute have expired (Exhibit II). WHEREFORE, plaintiff demands judgment for $80,346.46, plus per diem interest at $15.46 from 03/31/2000 to the date of judgment plus monthly late charges of $26.33 from 04/15/2000 to the date of judgment and foreclosure f the mortgaged premises plus costs thereon. rtha E. Von Rosenstiel torney for Plaintiff _=_~J 306141376, Our File # 6975CH VERIFICATION I verify that the statements made in the, foregoing Complaint in Mortgage Foreclosure are true and correct. I understand that false statements herein are made subject to penalties of 18 Pa C.S. Section 4904 relating to unsworn falsification to authorities. BY:~~~ , Tina Dolison Tit1e:~clf)~ ~~r Foreclosure Specialist Dated: --?>~ 101) ;.'lij ~~~ _ 'r<~ , ~ ~ DESCRIPTION ALL THAT CERTAIN hereinafter described lot or tract of land Situate, lying an:d being in the Township of Fairview, in the County of York, and Commonwealth of Pennsylvania, more particularly bounded and described as follows, to wit; BEGINNING at a point at the Northeast comer of Ross Avenue and Radesky Street an the hereinafter mentioned plan of lots; thence in a Southeasterly direction along Ross A venue fifty (50') feet to the line of lot numbered 19 on said plan; thence in a Northeasterly direction along the line of the last mentioned lot one hundred forty (140') feet to the Westerly line of Bruce Alley; thence by the Westerly line of Bruce Alley in a Northwesterly direction fifty (50') feet to a point at Radesky Street; and thence in a Southwesterly direction along the Easterly line of Radesky Street one hundred forty (140') feet to a point, the place of beginning. HAVING thereon erected a single two and one-half story frame dwelling known as 100 Ross Avenue. THE above described lots being lots numbered 17 and 18, respectively on a certain plan of lats laid out by Baroness Mary Ross Rostocki, said Plan being No.1 and called "Bella Vista" and recorded in the Office of the Recorder of Deeds in and for York County, Pennsylvania in Plan Book "D", Vol. 13 at page 700. Tax Parcel # 27-1-84 ,.-., EXHIBIT ~ 'i!il!lIlW"Illllll1. e,,'" GMAC Mortaage Corporation P.o. Box 85il'71 San Diego, CA 92186"5071 346" Hammond Ave p.o" Box 780 WaleT1oo, IA 50704-0180 , GMAO[ - CORp DEFAULT I I 141 005/012 02129/00 09:44 FAX 215 682,191&.-, --\-- ~- ServicIng GMAC Mortgage DMe: January 18, 2000 ACT 91 N<t>TICE T AKE ACTIO~~ TO SAVE YOUR HOM~ FROM FORECLOSURE , . loo1ieetbattll 01& 00 IOlII'homeiJlo aodtlle Ieoderinamds 10.10 Sllec:ilie infol'Dllll 00 ahout e ....tu1'e of the derault k Drovideil Iii tlte attaclled Da!!Os. I The HOmOWNER'S MORTGAGE ASSISTANCE PROG)AM (BEMAP\ may be ahlo! to hel.. to lave your home. ThIsNotiee exDlain. how lhe u1'O!ll'lIm works. lie. ~BEMAJ' ClU \tiyou ~st ~IF,ET\\'lTR * COlllSUMER CREDIT COUNSELING AGENCY . 30 DAYS OF DATE OF THIS NOTICE. rake this Notke with YOII whell VOII meet with the couoWlne:r:' The lIome. add"",. and phone nomber ofCoom","'l: C . Cooseb!! Ape.ere. .n.!! voor Coanty 11ft II... at !he eIId ofdiis Notke. H)"OlIhaw any 1111"160""". w!y eanthe Penn3fvania HOII.m.e,Flnaoee All""" toll free lit 1.800-3<&1-1391.O'enoosWith iII!IlIalred beariD!! ea. ell C1l'7'l7ll1l-l1l691. no No~e eonUin. importallt legallnfonuatioa.1f yoo IIave all~ qoestiilns, representallves at tile Coos_r Credit COWlselinll Apnqr may be ablll to help nplain 1t..Yon"IDlIY aIlo WllIIt te eontaet aa attoraey Jill YOllr alu. The loeal bar association may be abJete help yolllind a Ja~r. LANOTIFlCAClON EN ADJUNTO ES DE SUMAlMOORTANClA. PUES AFECTA SU DEtmCBOA CONTINUAR VIVIENDO EN'SU CASA. 51 NO CO~IP:QENDtIELCONTENlDO DE ESTA NOTIFJCACION OBTlNGA UNA TRADuCCION Il\Bo1EDL\lAMENTE ILUIANDO ESTA AGENCIA (l'ENNSYLV ANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NIlMltRO MENCIONADO AllltDSA. PUlIDES sm ELEGlBU PARA UN PREST A;MOP0R EL PROGRAMA LLAMADO "HOMEO\\'NER'S EMERGENCY l\.fORTGAGE ASSISTANCE PROGRAM" EL CUAI. PUEDE SJOL\'AR SU CASA DE LA PERDIDA DEL DERECBO A nDJtMIR SU'HlPOTECA HI:>~IEO\\'NER'S NAl\IE(S): PROPERty ADDRESS: ISHAROl; L. WIl'ITIi:RS , 100 ROSS AVE NEW CUM~ERLAND. PA 17070 I,C),\N ACCT. NO.: OIIUGINAL LENDER: CllJlUU!.NT LENDEIlISER\'1CER. 306141376 llI/A GMAC Mort:<raqe i ~ ~XHIBtT ~ ,'"'I' ,1 ~2/29/00 09: 44 FAX 215 682 1940 Gl!ACIL- CORP DEFAULT ----- -. ---'--- - ~ 006/01.2 HOMF.oWNER'S EMERGENCY MORTGAlGE ASSISTANCE PROGRAM YOU MAYBE 'F.I ,IGIBLEFOR FINANCIAL AmsTANCEWBlCH CAI'i SAVE YOUKHOME FROM FORECLOSURE AND lfRT,PyQUMAKF. iroIruRE MORTGAGE PAYMENTS IF YOU COMPLY WITH TlIE PROVISIONS OF TIll: HOMEdWNER'S EMEllGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE ft ACT"). YOll MAY BE EUGIBLE FOR EMERGENCY MORTGAGE AS!Q:STANCE: ' IF YOUR DEFAULT HAS BEEN CAUSED BY ,tmCUMSTANCES YOUR CONTROL. IF YOU HA\'E ABEAlIONABLEPROSPECT OF BEING ABLE TOPAYYOtJR MORTGAGE PAYMENTS-AND ' IF YOU ~IEET OTHER EUGmILlTY BEQtnllEMENTS ESTABLISHED BY THE PENNSYLV ANIAlIOUSlNG FlNANCEAGENCY. ~KA:lJY STAY OF FORECLOSURE - Underthe k:t, YQ1Jloxe entitled to a te!l1pomry stay ofWIecloM'O on )'0111' mortgage fur tItirty (30) days ftont the date of th.i. Notice. Th~ thllt time )'011 must lIl2lmge and altllnd a "fiIce-to-face" me~ with!",e of the C1OM,QIlerCnldit cotmseling ~s listed at the end oHhis Notice. :tms , TINGl\IUSTOCC wrrmNTBENEXT nS.IF,YOUDO OTAPP Y OR EMERGENCY M.O ~AGF. A SISI' " CE VOl . SrB '. G OUR ..R: AGE UP DAtE. PART OF TIn NOTICE CALLED "HOW TO CURl! YOUR MORTGAGE DF.!' AlliLT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. .' CONSUMER CREDITCOUNSllJN'G AGENCIES --If)'OlImeet with one of the OOllSlllller=dit WlIlIB8fu!g agellCies listed at the end oftbis DIllice, !:be lender mllY NOT 1ake aIlI:\OlJ against you lortbirty (3D) days after the date ofthismeetiog.Thenamesaddtesses tel . hone wnbers f g' redCOllSl CJeditoounselin . s the in.w1iiclJ e '. smea dllre,iIimb at tbe,eM of . Notice. It is only necessa:iy to schedule one f31:C:.Io.fi\Qe:rnooting. AMi!le yll\Il' lender i:mmediarelv ofYOlU'intml:ilms. ~PLICATIONFOR MORTGAGE ASSlSl'ANt;:E - Yourmo:rtl!<lge is in defmllt furthe~asoDS set fozth later m tbis Ntiltice (see folIowing.llagesfor specifiDin, fonnatiollabouj: the,natllJe of your defilult.;) If..,. y.. OIl bave tried and ll1l'lD'Illble to ll!solve thi~ problem wid1 the lender, you have the right!to apply.furfimmeial"assistanCe ftom the Hll:nlCO\\'1IeTS Enlergency Mortgage AsmtDJuje Program. To do 50, ~ must filHmt, sign and file a col1\Pleted HlllneowneI's ElIIexgem,y Assistance ProgIl!lI1 App1icatiOlJ with one of the desigJJated oonS\lD1llr credit counseling OIg"llCies listed at the end oflhis Noli<:e. Only COllsumer credit ooun",lingageneies bave applicatiolls fur the program and they will assist you in submitting a OOl1\Plete applicatio1~ to the Pennsylvanil.HOusiDg Finance Agency- y,:n.r applicaticn MUST be filed or pOilmaiked within thirty (0) da~r' of you filce-to-f""e meeting. YOU MIlST FILE YOUR APPliCATION PRO.IPTL Y. IF YOU FAlL TO no so OlUF you 00 NOT FOLLQWTBEOTBER TIME PERIODS S:tTFORTH IN TJml LETT~FORECLOSURE MAY PJROCEED AGAINST yOUR HOME Il\BB:DIATELY ANDYI~URAPPlJCATION FoR MORTGAGE ASSISTANCE WILL BE DENIED. ' , A(l.F.NCY ACTION -- Available fllnds for emergency mortgage a!ll~stmce are vezy IiInilsd. They will be disbursed by the Agency \J1lder the el:igJ'bility criteria established by the Act. 'flkl, Pennsylvania HousingFm= Agency has "i~ty (60) days In make a decision after it receive. your application. Om:ina that time, JUl fo~osme proceedings will he pll1'S\led against )'On if you bave met the time lllquiIcmemtS S~l forth above_ You ,ril be notified di/Ilcdy by tile Pennsylvania Housing Finance Agency of its deci:rion on )'Our a~eation. ,iilj!!",,,,,~ - ~. 02129/00 09:45 FAX 215 682 1940 ---~_._-- -. --. --.. ~AC'" - CORP DEFAULT ! taJ007/01.2 I [Norn'IF. YOl/ARE. CmmEN.. TLYP.R. O. ,TECTF..D....BY. .TBl!IFILING()F.^.. PETITI. . ON Ill! BANKRUPTCY, THE FOLLOWING PART OF TJIISNOTICE IS FO.INFORMA'flON PURPOSES ONLY AND SHOULD NOT IiE CONSD>EllED AS AN AT'rPfI'T TO OOLLECT THE ~EBT. (If )-0. have flied blUlkrnptq-l'OU eaD still apply ~r E1IIergeney Mortgage Ass,slallce.) I HOW TO Ct.IRE YOUR MORTGAGE DllFAm"T lBriD, ituu to date). I .&l,TURE OF THE DEFAULT .. The MORTGAGE debt held by J.e above lender is 00 yo\ll'propel,ty located at: 100 Ross Ave New cumberland, PA 17070 IS SEnXOUSLY IN DEFAULT heoQuse, , , YOU HAVE NOT MADE MONTHLY MORTGAGE P A\1fENTS for the following _nths and the fo11owinq amouncs are noW past due: Navembe~ 1, 1999 throuqn January 1, 2000. See attached Exhibit for payment breakdown. MonthlyPayment.o 2,017.38 Late Cbmges 52.66 NSF 0.00 Inspections 7 . 25 Other Suspense 0.00 TOTAL AMOUNT PAST DIlE: 2,07'1.29 B_ YOU HA VEF AlLED TO TAKE TIlE FOLLOWING ACI10N (~o not \lse if not aonlicable ): I , :!H)W TO CllRE THE DEFAULT .- YO\llnay Clue the default wJm ~J~TY (30) DAYS ofllle date oflhis noiice BY PAYING THE TOTAL AMOUNT PAST DtlE TO THE LENDER, WHICH IS $ 2,077 .29 ,PLUS ANY MORTGAGE PAYMENTS ANDIATECHARGES WHICH BECOME DUE nURlNG TIlE THIRTY (30) DAY PERIOD. Pavllllmtll must b. m4de either qy cash. cashiers check, cellllfied check Or money oIder made 1lJlvablc and sent to: ' GMAC Mortqage corpora~ian ATTN: Payment process~nq P.O. Bog 780 Waterloo. IA 50704-0780 YO\! can L'lUC any other deJlnllt by taldng the foUowing action within]mlRlY (30) DAYS of the date of this letter: fio notUlle ifoot allDlicable.) N t 1" '~l o App 10"", " , , - -..f IF:Y9U~ NOTCllRE.THE DEFAULT -.lfyP\ulonotmne J default within IHIRTY (30) DAYS of the date of Ibis NotiCe, the Iender1l1tend. to eurdse its n~htl to aeeeler~ tho .....rt1!ll~e debt. 1bia means that me entire cnJilstanding balanOll oflhis debt will be considomod :u.e immediately and Y!IlI may ose the ohtmce to pay the ml~ngage in monthly instaIhllems.lffitll payment of the total amoUnt Past due is not made within TIllRTY (30) DAYS, 1:\10 lender also intcmdl; to instnlOt its attorneys ro $rart legal aobtion to toremle ."on vOur mort1!ll1!ed llDlDertv. I IF' THE MORTGA~E IS FORECLOSED UPON - The mortgllg~property will be sold by the Sheriff to payoff the mortgage debt. J the lender refers your coso Ix> its at!xlrneys, but' ou ewe the delinqmmoy before the lender bE'gina legal proceedings against YO", you will still be ICqtlinld to pa the reasonable attorney's fees that we'" ac:tual1y incmred, up to $50.00. However, !flegal proceedings are st< against against you, YOll will bave to pay all reasomble a!tOmey's iCes actually incurnod by the lender even ifthct exceed $50.00. Any alloDley's fees will be aAilded to the amlllmt you owe the lender, which maY aha iDcl\lde oilier reasonable costs. If' OD ",111. aalt withiII tho TV 30 D :ys eriod . wi n t b re . to a attome .'s fees. -;;;;i'! ~ , -' ..Y2/2~/O~09: 45 F~ 215J!LLJ.940 -.. , ' - GMAC:ll - COR'p DEFAULT ~ 008/012 OTIIER U:.NDEll RE\\IEDlES -- The lender IIII1Y also SIle you nalIy fur the unpaid. principal balance and aU olhc:r slims duo under tbe m,*gage. RI'RTT cUd IlFA TPRlORTO 'SSE._Ifym.llavenotQUXtdtbedefallltwithin the THIRTY ( 0) DAY perioll and fuxeeloSllJll proceedings Jm.~ beg!ln, Y,ou 1llI11 have the rilrlIt.to QU'C !be default and. salcat . tDhe \1 to \I ur hefo e . rift's. . "OIl ma do b .. .. totahmo 1 thOl\\ std e [usaeo odler ... es then d I ~asilnableallOSfeesandcostcollllcl:l:cdwitbthe fu1i oSl.reeam ...'fcolltliiconne dwitb eShCrift'sSaoicifiedin..thele ]lCJlfo~!!IIV OtJmiePti~ellU!illridertbe mo1(g:K; C1l~gyolllrdera. in the mall".... set lotlh i1I this iiiiHee will restOcc)"Our'mo! gage to the Jame po II as ilyo" lJ~d Dever d......lted. MZ: :~T POSSIBLE S.m's SALE DATE -- It is estimale! that thc carliest date that Sllch a ~. Sale of. e mortgag~ propettyc~d e bid would be approximately . (6) mulltlls l'rom the date oltllb Notice. A noliceoft:he actual .mill of the Sherifl's Sale will be llI'nt 11) you bcfo the sale, Of course, the am(l\II\t needed to mu. the defllult wjll inI:leaseithe longeryo\l wait. You may fmd out ~l any time exactly what the ICq\lircd payment Or "ction will be by contactiJ1g die IllJlder. ! : I R()WTO CONTACT Tm: LEN>>ER'. I GMAC Mortqaqe corpora~ion 401 West 24tb Street ~ National Ci ty, CA 91910 , (SOO) 850-4622 I (619) 470.5579 ' colleotion Departmenl EJIlll',cT OF SBERIFF'S SAL~ - Y Oll shOldd:realize tllata Sheri . Sale will end your ownership of the mortgaged proptrty andyo\ll' Jightto oa....,py it. If you continue to. fu in tlw property after tbe Sheriff. Sale, a lawsuit 10 remove you and yourllunisbings and other belonging5 oojlld be started by the lender at any time. I ASSIlMJ'DON OF )IORTGAGE - You l\IllY or may 1I0t llI'll or tPwfer your home to a buyer or tmnsfenoe who willllSswne th= mortgage debt, ,provided that aU th. olllstanding ~ts, cllarges and attorney's ftts and cosls IlIe paid priorto or at the Mie and tlInI the other reqlUmnents of the . . . t"ge are satisfied. , YO ALSOR VETBE GRT. i'O SELl. TIlE PROPERlY TO OnTAIN MONEY TO P 'OFF THE MORTGAGE DEBT OR 10 BORROW MONEY FROM ANOTIIERLENDINO INSU TIONTO PAY OFF TInS DEBT. TO HAVE THIS DEFAULT CURED BY ANY TIDRD P kTY ACTING ONYOURBElIALF- TO HAVE THP. MORTGAGE RESTORED TO THE SAMb POSmON AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE llIEDEFAULT. (HOWE~YOU DO NOT HAVE TIllS RIGHT TO CURE YOUR DEFAULT MORE T.HAN 1'HREE TIMES ANY CALENDAR YEAR.) TO ASSERT UlE NONEXISTEN(.'E OF A OEF AULT IN ANY FORECLOSURE PROCEEDING OR ANY OTIIER LAWSUIT INSTITUTED UNDER TIlE M RTGAGE DOCUMF.NTS, 1'0 ASSERT ANY OTHER DEFENSE YOU BELIEV~ Y~IJ MAY IIA VB TO SuCH ACTION BY TIlE lENDER. . I TO SEEK PROTECTION UNDER UlE FFDERALB~UPTCY LAW. CONSmlE CREDI CODN iELIN A ENCIES RVlNG YOUR COlJNlYIS ENCLOS .D ."'-~ " Servicing GNIAC Mortgage Corporation . -p.eT. Box 8507f San Diego, CA 92186-5071 3451 Hammond Ave P.O. Box 780 Wa.terloo, IA 50704-0780 GMAC Mortgage Dare: January 18, 2000 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mort2aee on vour home is in default. and the lender intends to foreclose. Soecific information about the nature of the default is provided in the attached oaees. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) mav be able to helo to save vour home. This Notice exolains how the orol!l"am works. To see if BEMAP can helo, vou must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with vou when vou meet with the Connselin2 A2encv. The name, address and Rhone number of Consumer Credit Counselin2 A2encies servin2 vour Countv are listed at the end of this Notice. If vou have anv ouestions. vou mav caD the Pennsvlvania Hourin2 Finance A2encv toD free at 1.800.342.2397.O'ersons with imoaired hearin can caD (7111 780.1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit COllnSeling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you fmd a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECT A SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE ELCONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION IMMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO AJlUUBA.I'UEDES SER ELEGmLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SAL V AR Su CASA DE LA PERDIDA DEL DERECHO A REDIMlR SU HIPOTECA HOMEOWNER'S NAME(S): PROPERTY ADDRESS: HARRY L. WINTERS 100 ROSS AVE NEW CUMBERLAND, PA 17070 LOAN ACCT. NO.: ORIGINAL LENDER: CIURRENT LENDERlSERVICER: 306141376 N/A GMAC Mortgage 1<~,!J, - ~ ~~-, HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM: YOU MAY BE ELIGlBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOl\1E FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYl\1ENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE AS,SISTANCE ACT OF 1983 (THE" ACT"), YOU MAY BE ELIGIBLE FOR El\1ERGENCY MORTGAGE AS,SISTANCE: ' IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYl\1ENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE .. Under the Act, you are entitled to a temponuy stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you nmst arrange and attend a "face.to-face" meeting with one of the consumer credit cmmseling agencies listed at the end ofthis Notice. TillS M:EETING MUST OCCUR WITillN THE NEXT (30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSIST ANCF.. YOU MUST BRING YOUR MORTGAGE UP TO DATE. TIlE PART OF TIllS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT". EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer credit counseling ag,oncies listed at the end oflhis notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting.The names. addresses and telellhone numbers of desil!11ated consumer credit counselin!! a!!encies for tht, cmmlv in which the llrollertv is located are set forth at the end of this Notice. It is only necessary to schedule one fa"e-to-face meeting. Advise your lender immediatelv of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE.. Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) !fyou have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeownets Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeownets Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end oflhis Notice. Only consumer credit co,mseling agencies have applications for the pmgram and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed orpostlllluxed within thirty (30) days of you 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, FORECLOSURE MAY PROCEED AGAINST YOUR HOl\1E IMl\fEDIATEL Y AND YOUR APPLICATION FOR MORTGAGE A!iSIST ANCE WILL BE DENIED. AGENCY ACTION .- Avallable fimds for emergency mortgage assistance are very limited. They will be disbursed by the Agency ,mder the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings \vill be pursued against you if you have met the time requirements set forth above. You will be notified directly by th,: Pennsylvania Housing Finance Agency of its decision on your application. 'i'J<_ .. ~ -If [NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLWWING PART OF TillS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEM)'T TO COLLECT THE DEBT. (If you have moo baukruptcy you ean still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Brinl! it UP to date). NATURE OF THE DEFAULT -- The MORTGAGE debt held by the above lender is on your property located at: 100 Ross Ave New Cumberland, PA 17070 IS SERIOUSLY IN DEFAULT because: YOU HA VB NOT MADE MONTIIL Y MORTGAGE PAYMENTS for the following months and the following amounts are now past due: November 1, 1999 through January 1, 2000. See attached Exhibit for payment breakdown. Monthly Payments Late Charges NSF Inspections Other Suspense 2,017 .38 52.66 0.00 7.25 0.00 TOTAL AMOUNT PAST DUE: 2,077.29 B. YOU HAVE FAILED TO TAKE TIlE FOLLOWING ACTION (Do not use if not applicable): HOW 1'0 CURE THE DEFAULT -- You may cure the default within TIlIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $ 2, 077 . 29 , PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING TIlE TIlIRTY (30) DAY PERIOD. Pavments must be made either by cash. cashie"s check, certified check or monev order made pavable and sent to: GMAC Mortgage Corporation ATTN: Payment Processing P.O. Box 780 Waterloo, IA 50704-0780 You C3l) cure any other default by taking the following action within TIlIRTY (30) DAYS of the date of this letter: (!)io not us. ifnotawlicable.) Not Applicable IF'YOlJDO NOT CURE THE DEFAULT --If you do not cure the default within TIlIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its ril!hts to accelerate the mortl!af.e debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may ose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within TIlIR TY (30) DAYS, the lender also intends to instmct its attorneys to start legal action to foreclose upon vour mortl!lll!ed l!!'ope"b!. IF' THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be sold by the Sheriff to payoff the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender be'gins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the ammmt you owe the lender, which may also include other reasonable costs. Ifvou Cure the default within the TillRTY (30) DAYS period. vou will not be required to pav attornev's fees. .'"""""l'~, - , ~.- - OTHER LENDER REMEDIES -- The lender may also sue you personally for the lmpaid principal balance and all other sums due lmderthe mortgage, RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have not cured the default within the TIURTY (30) DAY period and foreclosure proceedings have begun, vou still have the right to cure the default an,1 urevent the sale at any time UP to one hour before the Sheriff's Sale. You mav do so bv pavinl! the total amOlmt then past due. plus anv late or other chaI'l!es then due. reasonable attornev's fees and costs connected with the foreclosure sale and anv other costs connected with the Sheriff's Sale as specified in writinl! by the lender and bv J1!<-rl"onninl! anv other reauirements lmder the mortl!al!e. Curing your default in the manner set forth in this nOlliee will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a Sheriff's Sale ofthe mortgaged property could be held would be approximately six (6) months from the date of this Notice. A nollice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of COllIse, the amount needed to Clare the default will increase the longer you wait. You may fmd out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: GMAC Mortgage Corporation 401 West 24th Street National City, CA 91950 (800) 850-4622 (619) 470-5579 Collection Department EI1FECT OF SHERIFF'S SALE -- You should realize that a Sheriff's Sale will end YOllI ownership of the mortgaged property and your right to OCCllpy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and YOllI furnishings and other belongings could be started by the lender at any time. A!ISUMPTION OF MORTGAGE -- You mayor may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: TO SELL TIlE PROPERTY TO OBTAIN MONEY TO PAY OFF TIlE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTIlER LENDING INSTI1UTION TO PAY OFF TIllS DEBT. TO HAVE TIllS DEFAULT CURED BY ANY TIlIRD PARTY ACTING ON YOUR BEHALF. TO HAVE TIlE MORTGAGE RESTORED TO DIE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE TIlE DEFAULT. (HOWEVER, YOU DO NOT HAVE TIllS RIGHT TO CURE YOUR DEF AUL T MORE TIlAN DIREE TIMES IN ANY CALENDAR YEAR.) TO ASSERT TIlE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTIlER LAWSUIT INSTIlUTED UNDER TIlE MORTGAGE DOCUMENTS, TO ASSERT ANY OTIlER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY TIlE LENDER. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY IS ENCLOSED :I"I~' " I~. EXHIBIT November 1, 1999 December 1, 1999 January 1, 2000 @ @ @ 673.52 671.93 671.93 -"'~" - .,.." i!l , I " "'" '~' '1""--'" , ......,. " , ~" . ~ ~ ~ 01. ~ I ] ~ . 1 ~ -l ~ Cr, ~ \ ~ 0 0 ~ \ 0 vJ \ c 0 'T1 , $: ;;:'110 :"~:l '-.J ~ , "'tJC! '0 i-:'liTI ~ , S2~B :;::iJ \; ~~-: ;~~~ ~ (,.) , ~c:: '''ie) ..';::1 ...'~ -r, )>r...... c , , z-...., )(:::) -(~) N c.'" ;-l Pc ' " z )".' ~~~ -""~ -< ~ --.( . "1lI'",,1IlI~\lI'I./II!l~~~ -~1 R~ "-,, ~ !~,~'" ,~~P~';~'i"'~"'rMl"l'-~,,!,!,~~~IJm:~lIm~ __, ~ '~~I~~__~m MARTHA E. VON ROSENSTIEL, ESQUIRE MARTHA E. VON ROSENSTIEL, P.C. 16 SOUTH LANSDOWNE AVENUE PO BOX 457 LANSDOWNE, PA 19050 GMAC Mortgage Corporation 500 Enterprise Road Horsham, PA 19044-0963 Plaintiff, vs. Harry L. Winters and Sharon L. Winters 100 Ross Avenue New Cumberland, PA 17070 Defendants Attorney for Plaintiff COURT OF COMMON PLEAS Cumberland County Case No: 00-2018 PRAECIPE TO SETTLE, DISCONTINUE AND END TO the Prothonotary: Kindly mark the above case settled, discontinued and ended. ~ Martha E. Von Rosenstiel, Esquire 1"-..,- . --". <. ',. '." ~. ~ ".,.,~ ~ .~~"'-.~-"~~~" "- ,."~,",I',~ <..""'~,__ (~ ~ ri~ F~ ZC'u -:::;." ~' S];:,.. ~~ ::2~ -t -.:' (::::. c:- ~-.. ~~; .-".,/ i"',.) 0'.', ['<..) L) " ~".~., ~~ ~~~~""'... _~ ~ .1I!!QJ'fil!I.ni'!~r,~,IIIl!>iI1~1~"jj.~~I'Wii1~';&Vy.~~~~~:~H,"~"'Mc~\lIi~ ~ !,11_~W