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HomeMy WebLinkAbout07-1129SHAPIRO & KREISMAN, LLC BY: KEVIN DISKIN, ESQ., ATTORNEY I.D. NO. 86727 LAUREN R. TABAS, ESQ., ATTORNEY I.D. NO. 93337 ILANA ZION, ESQ., ATTORNEY I.D. NO. 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-28846 Washington Mutual Bank f/k/a Washington COURT OF COMMON PLEAS Mutual Bank, FA CUMBERLAND COUNTY PLAINTIFF ' vs. Richard L. Campbell 240 North 36th Street Camp Hill, PA 17011 and Linda J. Campbell 240 North 36th Street Camp Hill, PA 17011 DEFENDANT(S) No: o? COMPLAINT - CIVIL ACTION MORTGAGE FORECLOSURE NOTICE CIO:L-(ea,n 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 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. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICIA LE HAN DEMANDADO A USTED EN LA CORTE. SI USTED QUIERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, USTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA ESCRITA O EN PERSONA O POR ABOGADO Y ARCHIVAR EN LA CORTE EN FORMA ESCRITA SUS DEFENSAS O SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU PERSONA. SEA AVISADO QUE SI USTED NO SE DEFIENDE, LA CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AVISO O NOTIFICACION Y POR CUALQUIER QUEJA O ALIVIO QUE ES PEDIDO EN LA PETICION DE DEMANDA. USTED PUEDE PERDER DINERO O SUS PROPIEDADES O OTROS DERECHOS IMPORTANTES PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 SHAPIRO & KREISMAN, LLC BY: KEVIN DISKIN, ESQ., ATTORNEY I.D. NO. 86727 LAUREN R. TABAS, ESQ., ATTORNEY I.D. NO. 93337 ILANA ZION, ESQ., ATTORNEY I.D. NO. 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-28846 Washington Mutual Bank f/k/a Washington Mutual Bank, FA PLAINTIFF VS. Richard L. Campbell 240 North 36th Street Camp Hill, PA 17011 and Linda J. Campbell 240 North 36th Street Camp Hill, PA 17011 DEFENDANT(S) COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: D 7- /l j-9' COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, Washington Mutual Bank f/k/a Washington Mutual Bank, FA, the address of which is, 11200 W. Parkland Ave., Milwaukee, Wisconsin 53224, brings this action of mortgage foreclosure upon the following cause of action: 1. (a) Parties to Mortgage: Mortgagee: Washington Mutual Bank, FA Mortamr(s): Richard L. Campbell and Linda J. Campbell (b) Date of Mortgage: June 24, 2002 (c) Place and Date of Record of Mortgage: Recorder of Deeds Cumberland County Mortgage Book 1764 Page 4682 Date: July 11, 2002 The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. No. 1019(g). A true and correct copy of the Mortgage is attached hereto and marked as Exhibit "A" and incorporated herein by reference. 2. Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the legal successor in interest to the original Mortgagee, or is the present holder of the mortgage by virtue of the above-described Assignment(s). 3. The real property which is subject to the Mortgage is generally known as 10 Accent Circle, Camp Hill, Pa 17011 and is more specifically described as attached as part of Exhibit "A." 4. The name and mailing address of each Defendant is: Richard L. Campbell, 240 North 36th Street, Camp Hill, PA 17011; Linda J. Campbell, 240 North 36th Street, Camp Hill, PA 17011. 5. The interest of each individual Defendant is as Mortgagor, Real Owner, or both. 6. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, are due as of October 1, 2006 and have not been paid, and upon failure to make such payments when due, the whole of the principal, together with charges specifically itemized below are immediately due and payable. 7. The following amounts are due as of February 28, 2007: Principal of Mortgage debt due and unpaid Interest currently due and owing at 7.75% per annum calculated from September 1, 2006 at $71.50 each day Late Charge of $125.85 per month assessed on the 16th of each month from October 16, 2006 to February 16, 2007, (5 Months) Escrow Balance (Credit to Defendant) Property Inspection Title Search/Report Fees Attorneys' Fees and Costs $336,754.92 $12,941.50 $629.25 ($1,543.46) $8.90 $250.00 $5,000.00 $354,041.11 8. Interest accrues at a per diem rate of 71.50 each day after February 28, 2007, that the debt remains unpaid, and Plaintiff may incur additional attorneys' fees, as well as other expenses, costs and charges collectible under the Mortgage. 9. The attorneys' fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriffs sale. If the Mortgage is reinstated prior to the sale, reasonable attorneys' fees will be charged based on work actually performed. 10. This interest rate is subject to adjustment as more fully set forth in the Mortgage. 11. Notice pursuant to the Homeowners' Emergency Mortgage Assistance Act of 1983, 35 P.S. § 1680.402c, et seg., was sent to each individual Mortgagor at their mailing address and/or the mortgaged property address by first-class mail and certified mail. Pursuant to the act of December 21, 1998 (P.L. 1248, No. 160) (Act 160), this Notice contains the information required by the act of March 14, 1978 (P.L. 11, No. 6), 41 P.S. Section 403 et seq., and separate Notice of Intention to Foreclose is not required. Copies of the Notice are attached hereto as Exhibit "B." WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in favor of Plaintiff and against Defendants, jointly and severally, in the amount set forth in paragraphs 7 and 8, together with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Mortgage and for the foreclosure and sale of the mortgaged premises. Date: Gam' SHAPIRO & KREISMAN, LLC BY: t? Attorney for Plaint' S & K File No. 07-28846 Feb-08-2007 04:13Pm From- 7!d A?_u Prepared By: RACHEL BOSWELL Parcel Nurnberg D8?i8-1308050 Return To; NORTH AMER I CAN MORTQAGE P.O. Box 808031 PETALUMA. CA 94975-8031 FINAL REVIEW AV 062 [SPOCO Above This Line For Recording Dat4] ZPAi M774 4 MORTGAGE B921872-•863 DEFI=ON5 Words used in multiple sectioAs of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of document are also nrnv;ilpA ;n .R'w.t;n., u words used in this (A) "Sec"'ty Instrument" means this document, which is dated JUNE 24, 2002 together with all Riders to this document, (B)"Borrower"is RICHARD L, CAMPBELL AND, LINDA J. CAMPBELL Borrower is the mortgagor under this Security Instrument. (C)"Lender"is WASHINGTON MUTUAL BANK, FA Leader is A FEDERAL SAVINGS BANK organized and esistiag under the laws 91 THE UNITED STATES OF AMERICA , PENNSYLVANIA - Single F4m11y - Faaair Mae/Freddle Mac UNIFORM INSTRUMENT I' ; -6(pA) moaw Farm 3Q??r /?Q"?r•? P?+MP,Md19 A?owea nC1.w?Q I"IOtl01,/1 •VPti Tea j' (?'f ?Ij?,l?,llll?l?1??111?(IIIl1Ull?alll?? 11811?II??lllllNNI??II IIl If BKI764PG4682 T-676 P.022/060 F-212 R ZEUT ?. ::;FGLUP, COUriTY-FA '02 JUL 11 PN 9 03 b14 "R Fab-09-2007 04114m From- T-BTS P.023/088 F-212 Lender's address is 3883 AIRWAY DRIVE, SANTA ROSA, CA 95403 Lender is the mortgages under this Security Instrument. (D) "Nate" means the promissory note signed by $orrower and dated JUNE 24, 2002 The Note states that Borrower owes Lender THREE HUNDRED F I FTY N I NE THOUSAND AND (U.S. $ Dollars (U $ 359,000.09 plus interest, Borrower has promised to pay this debt In regular Periodic Payments and to pay the debt in full not later than (E) Property means the property that is described JULY 0 1 , 2032 in the Property," below under the heading 'Transfer of Rights (F) "Loan" me= the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (G) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check bor as applicable]: K Adjustable Rate Rider Condominium Rider Second Homc Rider Balloon Rider Planned Unit Development Rider H 1-4 Family Rider VA Rider Biweekly Payment Rider REGULAR HIDER EE dthcr(a) Gspcc W (Hegu)la"tiAonpplicaorbledinances Law" means a1I controlling applicable federal, state and local statutes, rs, and administrative rules sad orders (that have the effectof law) as well as all applicable final. Pon-appealable judicial opinions. (1) "Community Association Dues, Fees, and Assessments" means all dues, fees, ameaameato and other charaw t4; or* Im on Borrower association, homeowners association or similar organlza4on or the 1?ropcrty by a condominium (j) "Electran[e Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point-of-saletransfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (K) "Escrow Items" means thnaoe itnmis that are described in section 3. (L) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance procceds paid under the coverages described in Section 5) for (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation: or (iv) misrepresentations of, or omisaiOus as to, the value andlor condition of the Property. (M) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (N) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under tho Note, pLue (ii) lay aitiounts under Scatioa 3 of this Security Instrujuenz. r? -8(12A) ionow Inktalti?6 n?. a ,r is Form 8038 1101 Bkl764PG4683 Feb-09-2001 04:14pm From- T-616 P-024/066 F-212 (a) 'MPA" means the Real Testate Settlement Procedures Act (12 V S,G Section 2601 et &R.) and its implementing regulation, Regulation $ (24 C.F,R Part 3600), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to it "federally related mortgage loan" even if the Lean does not qualify as a "federal ly related mortgage loan" under RESPA. (P) "Suaaessor in Interest of Borrower" means any patty that has taken title to the Property, whether or not that parry has assumed Borrower's obligations under the Note and/or This Security Instrument, TRANSFER OF RIGHTS IN TIM PROPERTY This SeaUt ty Instrument aeoures rn Tinder: (1) the repayneeut of the 1.04n, and all renewalo, extensions and modifications of the Note, and (ii) the performance of Borrower's covenants and agreements oader this Security Instrument and the Note. For this purpose, Borrower does hereby mortga$e, grant and Convey to Lender the following described property located in the COUNTY of CUMBERLAND [Typo of Recording Juriidictlon) LNetno of Recording Juriadiationl THE LEGAL DESCRIPTION IS ATTACHED HERETO AS A SEPARATE EXHIBIT AND IS MADE A PART HEREOF. 10 ACCENT CIRCLE CAMP H I L L ("Property Address"): which currently has the address of [Street] [City) , Pennsylvania 19011 [zip C04e1 TQGETHM WITH 111 the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security In.Mutment as the "Property," (M-WAI MOO) Intn&1A:&6 "••• • •? •• Form mean 1Ib1 8K 1764PG4684 Feb-09-2007 04;14Pm From- T-670 P-023/060 F-212 BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convoy the Property and that the PropaV is the title o th Pop t for ? GMs and demands, subject to anwarrants ncand umbrances of record 11Y THIS SECUR V MSTR?r combines uniform covenants for national use . 1lon-Uniform covenants with limited variations by and instrument covering real Y jurisdiction to constitute a uniform security UNIFORM COQo y' L Payment of Prirso3pal. ,l teress? Escrow Lender ms s,,nP,repnyxn tit (Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepaymennt charges and late charges due under she Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Pa rmen 7twmimant rhalT 1w evade in LTA. `arnno , _ Y t8 due wader the Note and this Security Lender as payment under the Note or this Security ?! e s check at otffos MtO ;jam" to Lender vac! d, UUIVUL.1cual by Lender may require that any or all su? went pa, ?strumeAt i 8 rOtOrned to bender unpaid, Instrument be made in one or more of the following o ym ents ?dueun r the Note and this Security sel (a) money order, (0) certified check, bank re s, acted by Lender; ro cash; (y such check is drawn upon an instituticheck, otx whose udr's check or cashier's cheek, provided any instrumentality, ar entity; or d El eposlts are insured by a federal agency, () Electronic Eunda Transfer. Payments arc deemed received by tender when received at the location desi Note or at such other location as may be designated L lth then the provisions is Station 15. Loader may return an en Lender in accordance with the notice partial payments are iristtfficieat to y payment or martial ? payment if-ihc-payment or rtial r;zg the Loan current. Lender may accept any payment or Pa payment insufficient to bring the Loan current, without waiver of any lights hereunder or Prejudice to its rights to refuse such payment or parch! payments in the future but obligated to apply such Payments at the time such am , Lc P is not Payment is applied as of its scheduled due date, then Lender sneed noaccepted pay interest a each Pe led funds. Lender may hold such unapplied funds until Borrower wakes payment st on the Loan current. If Borrower does not do so within a reasonable period time, Lend to bring the Loan such funds or return them to Borrower, of time, Lender shall plied apply otrtstandin If not applied earlier, such funds will be applied to the g principal dance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreementa secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order. in which it became due. Any remaining amounts shall be applied first to late char under this Security Instrument, and then to reduce the principal balance of the Note. amounts due If LOn` f-f 4" M a iheymemL nom Borrower for a tlelxnqu(Ant Periodic Payment which includes a sufficient amount to pay any late charge due, the delinquent payment and the late charge, If more than one Periodipayment et ima be is outstanding, Lender may apply any payment received from Borrower to the repayment and to the extent that, eacL FaYmetts Gan be paid in full. ro t the extent he cX t the that any Periodic excess exists exists of after e r the Payment is applied to the full payment of one or more Periodic Payments, such excess may be pM -SCPA) 1000t, IMIc!¦ls plan 4 of la Farm 3038 11oi BK I 764PG4Ga5 Fab-00-2007 04,16Ps From- T-676 P.026/066 F-212 applied to any late charges duo. Voluntary prepayments shall be applied first to any prepayment charges and then as described in. the Note. Anp ALIRplieatlan of paysnotrla, Ynauraaoo procec4o, ox Irlist.cIIaucuLw Fri =6- w prin under the Note shall not extend or postpone the due date, or change the amount, ofthe p oddue Payment9. ic 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments art due under the Note until the Note is paid in full, a sum (the "Funds") to provide for payment or amdmnta tide for. (a; tasedr and arceram*aw and other itemm which can atta;;u priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any. (c) premiums for any and all insurance required by Lander under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Leader in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items arc called "Escrow Items." At origination or at any time during the term of the Loan, Leader may require that Community As=jation Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid undw this Section. Borrower shall pay Lender the Funds for Escrow Items unless Leader waives Borrower's obligation to pay the Funds for any or all Escrow Items. Leader may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver, Borrower shall a directly, amounts due for any Escrow Items for which payment P Funds s bwhen and een waived by ?der,and, if Lander requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such Payments and to receipts shall for all purposes be deemed to be a covenant and agreement provide 6urisy Ymmineat, are tho phrase "covenant and agreement" is used iSeectiin contained Boorrrowerriis obliccgated to pay Escrow llama directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower sbali then be obligated under Section 9 to repay to Lender any such amount. Lender, may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Seotioa 3. Lender may, at say time, collect and hold Funds iq an amount (a) sufficient to permit Lender to apply the Funds at the time specified under RBSPA, and (b) not to exoged the maximum amount a lender can require tinder RESPA, Leader shall estimate the amount of Fuad3 due on rho basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institutiuu whose dapo3its arc insured-by i?edaraY agency, instrumentality, or entity (including Lender, if Lender is an institution whose dcposlts are so insured) or in any Federal Home Loam Bank. Lander shalt apply the Funds to pay the Escrow Itema no later than the time specified under MPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items. unless Louder ppaays Borrowda interest on the Funds and Applicable Law permits Lender to ,Oaks such a charge. Unless an sgreement is made in writing or Applicable Law requires interest to be pail vdt lieu Vuuds. Lmwtsr anail not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can. agree in writing, however, that interest shall be paid on the Punds, Leader shall give to Ba mwer, without cherge,_ar_ mnual accounting of the Funds ar requited by RESPA. CL-OWA1 Main Initialc r¦a" a e to Farm 3039 1/01 OK 1.764PG4686 Feb-00-2007 04:16pm From- T-676 P.027/066 F-212 If then is a surplus of Ponds held in escrow, as defined under RESPA, Leader shall account to Borrower for the excess funds in accordance with RBSPA. If then is a shortage of Funds hold l41 ubt"w, = detiuex] under RBOA, Lender aluul nOUfy borrower as required by RESPA, and Borrower shall pay to Lander the amount necessary to make up the shortage in accordance with RFSPA, but in no more than 12 monthly payments, If then is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RFSPA, and Borrower shall pay to Lender the amount necemasy to make up the deficleney in accordance with RESPA, but in no more than 12 monthly payments. in full of all sums secured ref'undto Bo oweertany Funds held by Lender. by This Security Instrument, Lender shall promptly 4. tChn-geor Liww. Sorrow" *L u yay all Luca, oasmmcn'w, charges, ones, and impositions attributable to the Property which can attain priority aver this Security instrument, leasehold paymauts or ground rents on the Property, if any, and Community Association Dices, Pees, and Assessments, if any. To the extent that theft items are Farrow Items, Borrower shall pay them In the manner provided in Section 3. Borrower shall promptly discharge any Tian which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender. but only so long as Borrower is performing such agreement, (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (e) seourea from the holder of the lien an agreement satisfactory to bender subordinating the lien to this Security Instrument. If Lender determinea that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Loader may give Borrower a notice identifying the lien. Wthin 1days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4.. Lands' may require Borrower to pay a orm-rune charge for a real estate tax verification and/or reporting sorvic a used by Leader in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured agaft>.at loss by faro, hazards Included within the term "extonded coverage," and any other hazards including, but not limited Tn. earthquakes and floods;, for which Londor "quires Laaucata:a TL6 i.uurnum shalt be maintained in the amounts (including deductible levels) and for the periods that Lender, requires. What Lender requires pursuant to the providing sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection wltb this Loan, either. (a) a one-time charge for flood zone determination, certification and tmokixig services, or (b) a one-time charge for flood zone determination and cert'if'ication services and subsequent charges each time reeArvingg or similar chaagea occur which reacoaably might affect such determination or certification Borrower shall also be responsible for the payment of any fees imposed by the Pederal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain ipnusuc average, at Lender's option and Borrower's expense. Lender is under no obligation to but might or might lnot oteor amount: of ct Borrower, Borrower's equity such the Property, shall cover Lender, q y perry, or the contacts of 44-$10A1 100081 Initials: 'i : ,n` Page a of to a i . Form 3039 imi BK 1764PG4687 Fab-00-2007 04116pm From- T-676 P.028/066 F-212 the property, agar any risk baZard or liability and might rovide em than was previously in effect, Borrower acknowledges that the cost of the inauran overage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 3 shall become additional dobt of Borrower secured by this Security Instrument. These amounts shall bear Interest at the Note rate from the .da ote of disbursement and shall be payable, with such interest, upon notice from Lender to rrower requesting payment. All insurance policies required by bender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shAlI include a standard mort name Lender as mortgagee andfor as an additional lass gage clause, and shat! the policies and renewal certificates. If Lender payee. Lender shall have the right to hold all receipts of paid premiums and renewal notices,rIt Borrower obtains any f rm ove To Lander policy co f insurance Shall verage, n include iiso required by Lender, for damage to, or destruction of, the Property. such additional loss standard mortgage clause and shall namo Lender as mortgagee andlar as an In the event of ]am, Borrower shall give Leader may malre proof of lose if not ma prompt notice to the insurance carrier and Lewder. otherwise a e writ • promptly by Borrower, Unless Lender and Borrower M in , any insurance proceeds, whether or not the underlying insurance was required by der, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security restoration period, Lender shall have the right to hod such insura cee proceeds until Lander repair and has had an apporw4hy to iaapeot ouols I$oporty to waywc Lhu wurk has been completer to Lenders satisfactinn, rmAdP i rhat Duels inep"aft oholl 8a undcrcnikcn w4upd 'p proceeds for the repairs and restoration in a sine lu series , proge may dents as the work is completed. Unless asagreement ? payment or in a series of progress payments as interest m be paid on such insurance cis made in writing or Applicable Law requires interest or proceeds, Lender shall not be required to pay Borrower any Borrower earnings obnesuch proceeds. Fees for public adjusters, or other third parties, retained by Borrower. If the restoration or repair s insurance And orl Lenders ?secu obligation be lessened, the insurance proceeds shall be applied to the s=s secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such insurance proceeds shall be apeied in the order provided for In Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier hate offered to settle a claim, then Lender may negotiate and settle the claim. The 30-day period will begin when the notice is given. In either event, or if Lender acquires the property under Section 22 or otherwise, Borrower hereby assigns to bender (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar as such rights am applicable to the coverage of the Property. use the insurance proceeds either to repair or restore the Property or to pay amo unaLander paid under the Note or this security Instrument, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal continue to aeence within 60 days after the execution of this Security Instrument and shall occupy the Property as Borrower's principal residence for at least one year after the -B(PAI Moog) ln]tlnlii: K-79D ••a. 7 si is FrnM 3038 voi BKI764PG4688 Feb-09-200T 04:14m From- T-676 P-029/066 F-212 date of necnpx 7. nn(rWX Linder odtftWl" algro" 1A Writin whin ao unreasonably withheld, or unless extenuatin s, h ovens shall npc t,c control. g circumstances exist which are beyond Borrower's 7. Preservation, Maintenance and Protection of the Property; Iuspections. Borrower shall not destroy, damage or impair the property, allow the Property to deteriorate or commit waste on the Property. Whether or not BO?war is residing in the Property, Borrower ahall maintain the Prnrjem in nr"p-r to X,r"Went the 139adue tv ice I-LUriuu, Uirlcw It in domrrninea pur9usr°`?srit to fro ectittoa that t pair or r tan is no economically feasible, Borrower shall proinpt]y repair the property if damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking of, the property. Borrower shall be responsible fnr repairing or restoring the Property only if Lander has released proceeds for such proceeds for the repairs and restoration in a single payment or is purposes. Leader may disburse the work is easrt leted. If the insurance series of or condemnation. proceeds are not sufficient to repair or ra IM !Arm. Rnrrower is riot reliov*d of $prrowceo obligation for the aompletlor, yr a,wrt repair or restoration, header or its agent may make reasonable entries upon and inspoctions of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Leader shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading. or inaccurate information or statements to Lender (or failed to provide Lender with materiel information) in connection with the Loan, Material representations include but are not limited to, representations eooccrning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of bender's Interest is the Property, and Itights Under this Security Instrument. If (a) Rnrmwrr fa;la to 1.wrlorm xhd covenanto a,,,r Security Instrument, (b) there Is a legal agr tly a ff a ect Lcoataxiod in ender's nt ? tay, in the Property andlnr rights ender t14o; Q y Iny?y em (auof?? op??g 6, bas up erest probate, for condemnation or forfeiture, P a is bankruptcy, this Security for enforcement of a lien which may attain priority over Instrument or to enfarce laws or regulations), or (c) Borrower has abandoned the Property, then Leader may do and pay for whatever is reasonable or appropriate to protect L?mdees interest in the Property and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Leader's actions can include, but am not limited tot (a) paying any sums secured by a lien which has priority over this Security Instrument, (b) appearing in court; and (e) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Inatrumant, including its secured position in a bankruptcy proceeding. Scouring the Property to, entering the Property to make repairs, change locks, replace abarrdlup donors in not lituit windows drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off, Although Lender may take action under this Section 9 Lender does not have to do so and is not under any duty or obligation to do so, It is agreed that )'.ender incurs no liability for not ta4ag any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall baeome additional debt of Dorrowot 6v%,,ngy by bit; so Alr1ty Inswumem- 'rhece atnni-tA amil hmor intemat at the Not, ratio -BiP,4i woos) InKislr 4)x' •.as, a of is Forts $038 1/11 1011K 1764PG46a9 Fab-08-2007 04:17pm From- T-676 P.030/066 F-212 from the date of disbursement and shall be payable, with such interest, upon notice from Lender TO Borrower requesting payment It this Se 66V rastr M= is on a leasehold. Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing, 10. Mortgage Insurancc, If bender u the Loan, the Loan, Borrower seals ? iron luortga;e Insurance as a condition of making any reason, the Mph y the ?iuma required to maintain the Mortgage Insurance in effect. If. the mortgaga insurer that gcviousituaace coverage required by lender ceases to be available from spa ort dedgnurer Y provided such insurance arid Borrower was required to make the ,premiums required Paymen To obtaaiinwco ersge su `1?tingy c tttivalen r the Mortwcr shall PgY previously in effect, at a cost substantial) e9 • gago Insurance urancc previously in affect- ytv8laat to Chet to Borrower of the Mortsagg?e substantial Y from an allermitr. mne?tsage xacurer aetootod by Y cadet. I tY equivalent Mortgae IniFuranca coverage is not available Bo pay to Leader the amount of Ilia- separately de gnated ? grower shall cantinas ce coverage ceased to be in effect. Lender will accept. Use a that were due wean the insurance nonrefundable loss - reserve in lieu of Morttage. use and retain these serve sh as be non-refundable, notwithstanding the fact diet the Loan ? Ultimately Such 1 full rand L Lender shall not be required to PUY Borrower any interest or earnings on such loss reserve, longer require loss reserve payments if Mort Lender ran no parted that Lender requires) provided b • Fags Insurance coverage (in the amount and for the obtained, tad en Lender der re Y ?r selected by Under again becomes available, is Insurance, requires FC rely deRignntrrl rayVaeata coward dig larcesiuma fog Mvt 6xuym It Lender quired m rtgage Insurance era a condition of malting the Loan and Borrower was required to separately desi ated M01PP prance, Borrower shall gap the ?? toward premiums for in affect, or to provide a non refundals esums re La d at r Mrement Insurance ihisuranaa ends in accordance with my wliitt a al;?we, until I.enar's r for such termination or until her and a for Mortgage termination is r ment bLa war and Lender providing 10 affects Borrower's obisgilion to ? interest at the squired at Applicable edLaw, Nothing in this Section rata provided is the Note. Mortgage 1lneurance reimburses Josses it may incur if Borrower does not repay (or ay entity that purchases the Note) for certain Marcgacc Insurance, the Loan as agreed. Borrower is not t parry to the mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into al;reemeats with other Parties that share or m These agreements are on terms and conditions odifY their risk, or reduce losses, the other party (or parties) to these a that am satisfactory to the mortgage insurer and Insurer w mike l;rrem° agreements ma payments usin a (which aY source of funds that the atom?gIe ' Y trequsre the mortgage may include funds ob nsurer may have available As a result of thus a eta from Mortgage Insuw?prcmlum6). reins any other anti greements. Lender, any purchaser of the Note, another insurer, any indirectly) amounts that derive from affillate nai$htbe c?c?Zed as may receive (directly '& Payments for Mortgage Insurance, in eYchan a for sharing or modifying thi rta a insurer's risk, or reducing loaves. If such ai? $ g h insurer's insurer's risk i4 each meat provides that an atfiliata oL der takes a share of the often termed "ca live for a share of the premiums paid to the insurer, the is rmn$uranee," Further: arrangement 19 (a) Any such agreements will not affect the amounts that Borrvwor has agreed to pay for Mortgage Insurance, or any other terms the; Such aVemnonts 4nnmuc., the as"aust Borrower trill aw- of Ta Loan. slid tney Will n ni Wj not Borrovmr tv nasy :etuull, fug Mortgage gUr?nce, Ad ncy Rntifl? if na respect tothesMortgage Isumnce under the Homeowgners P oteos ion Act of 1998 or any any 44-BipAl wooW IniUcIR PdV. a °I is Form 9038 1101 BK ! 764PG4690 Fah-nQ-7nn7 nd:l7nm Frnm- T-R7R P WARR F-717 other law. These rights may include the rigp#ht to receive certain disclosures, to request and obtain cancellation of trnutinated t110 Mortgage insurance, to have the Mortgage Insurance automatically, Andlar to receive a refund of any MorzgaFe Insurance Premiums that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture, All Miscellaneous Proceeds are hereby ass!ned to and"be paid to Lender. repair the the iPr y is damaged such Miscellaneous Proceeds shalt be applied to restoration or cot lessened. such if the restoration or re?ir is economically feasible and Lender's security is During such repair and restoration period. Lander shall have the right to hold such Iv Meous Proceeds until Lander has bad an o rtunit spect the has been completed to Lender's ? provided that such Pti)pcrty to ensure undertaken prom satisfaction, such inspection shell be e series of mptly. Lander may pay for the repairs and restoration in a single disbursemtlnt or writing o payments s the work is completed. Union an agreeategL iS made in shall not or Applicable r to requires tai tit to be paid on such Ulaeellaneous Proceeds, Lender required pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not econon imlly feasible or Lender's security would be lessened, the Miscellaneous Proeexis shall be applied to the sums secured by this Security Instrument, whether or not then due, with the eYCess If any, paid to Borrower. Such Afiscallaneous Proceeds shall be applied in the order provided for in Section I In the event of a total mgr destruction or loss in value of the Pro Proceeds shall be applied to the sums secured by this Security Instrument, thether oar notes n due, with the excess, it any. paid to Borrower. In the event of a partial taking, destruction, or loss in value of the in which the fair market value of the Property immediately before the _gg, equal to or greater than the amount of the sums secured this ?nSoc tru or loss in value is before the partial taking, destruction, or loss in value„ u3nless Borrowwer and Leader otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of tho Nfiwollcracntws Prtxxcda A4vtt kGW by Um tuituwing frac=ion: (a) the tosat amount of the sums secured immediately before the partial taking, destruction, or loss in value divided by b the fair market valise of the Property immediately before the partial taking, destruction, or oss in value. Any balance shall be paid to Borrower. In. the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Pan immediately before the partial taking, destruction, or loss In value is less than the amount o the sums secured immodiately before the loss in value, unless Borrower and Lender otherwise a partial talon ,destruction, or shall be applied 'to the sums secured by this Security In men whaler orrn? not eesum Proceeds due. If the Property is abandoned by Borrower., or it, after notice by Lander to Borrower that the Oppaains Party (eo dcffuat iu ilia ucru sentence) otters to malts tm award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice Is given, Lender is authorized to collect and apply the Miscellaneous proceeds either to restoration or repair of the Property n or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party =roans the third party that owes Borrower Miscellaneous Proceeds or the Party against whom Harrower has a right of action in reseed to Miscellaneous Proceeds. Borrower shall in default if any action or proceeding, whether civil or criminal, is bqm that. in Lender's judgment, could result In forfalttrc of the Pro impairment of Lender's interest in the Property or rig is under 3eauiiLyhInstrument. Borrower can cure such a default and, if acceleration bas oeeurrad, reinstate as rovided in Section 19, by causing the action orpraneeding to be dismissed with a ruling that, in Lender's judgment, preclvdes forfeiture of the 8roperLy or other material impairment of Lender's interest In the OVISIPA1 maw laitlelu?? P'a' to 'r 15 Form 3038 7107 BK ! 764PG469 l Feb-09-2007 04:16am From- T-676 P.032/006 F-212 Property or rights under this Security Instrument. The proceeds of any for damages that are attributable to the impairment of Leader's award or claim for interest in the Property are be assigned and shall be paid to Lender. All IvGesccallaneous 1?'ioceeds that I not a lied to restoration or repair of the property Sul be applied in the order provided for in Section A 12. Borrower Not Released; ltorbcaraAc. By A+sllrtu? t time LWeader Not a 'r lrPA fay y this hs Sof the 1. for M-vm nt or M'dificatIOU Of amorti7ation Af ibe mime ECLlritty Instrument granted by bender to Borrower or any Successor in Interest of Borrower shall not oPerlare to release the liability of Borrower or any Successors in Iritecest of Borrower. Lender ahall not be required to commence Proceedings against any Successor in Interest of Borrower or to refuse to emend time for payment or otherwise, modify amortization of the sums secured by this SecurityImmment by reason of any demand made by the original Borrower or any Successors in Znnterest of Borrower. Any forbearance by Lander in exercising any right or remedy including, without limitation, Lender's accePW= of payments from third Interest of -Borrower or In amousgt less than the artlaunt then du?sShalll entities e or w ver of or Pf ludo the exerdae of any right or remedy. 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, an Borrower who cow g?s this Security Yummnlent but does not execute the Note (a "co-signer"); (a) is co-si this Security Instrument only to mort ot co-s orally interest in the party under the terms of this Sew y d convey nthe 'r. obligated to Security Ant; (b) i personal! Pte' the sums secured by this Security Instrument; and (c) agrees that not that Lender and any other Harrower even agree to extend. modify, forbear or gtalce an accommodations with regard to L1w Fcrms of rail 5el:ttri any Sub' t to the gY Instrument or the mote without the co ttigaces consent. !ecprovislum of Secdon 18, any Suec ianor in Interest of Borrower who assumes Borrower's obligations under this Security Inars,urnent in writingg,, and is a roved by Lender, nhnll obuda all of Borrcwarra rishq and bcnd,;ts umow 1x,1111 SPULntLy ILLaetrume niP]?uL? shat! nob be released from Borrower's obligations and liability under thls Security Instrument unless Leader agrees to such release in writing. The covenants and agreements of this Security Instrument shall bend (meept as pr-ovided in Section 2Q) and benefit the successors and assigns 14. Lena G? gns of Lender. arges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lestder's Interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees. In regard to any other face, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law, If the Loan Is sub, ct to a law which sets maximum loan charges, and that law is finally interproted so that the interest or other Joao charges collected or to be collected in connection with the Loan cxoeed the permitted limits, then; (al anp such loan charge shall be reduced by the amount neeess:w7 to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded per tted limits will be refunded to Borrower. Lender may choose to make this refund by red06n; the prinapal owed under the Note orb La payrn"t to Borrower. If n refund reduces rind, the a siting a direct prepayment without an reduction will be treated as a p"41 under the Note), any prepayment charge whet ar or not s prepayment charge is provided) for Borrowers acceptance of any such refund made by direct payment to Borrower w1IL constitute a waiver of any right of action Borrower might have arising out of such ov?rebar e. 15. -Notices. All itotiee s given by Borrower or Lender in connection with this Security Instrument roust be in writing. Any notice to Borrower in connection with this Security =?-SIPAI moael In{elaln kor- s " it of 14 P? Fp1M $038 1101 BK 1764PG469Z Fab-09-2007 04:19pm From- T-676 P.033/068 F-212 Instrument shall be deemed to have beepgtvon to Borrower when trailed by first class mail or wheal actually delivered to Borrower-s notice address if sent by other mea w. Notice to any one Borrower shall Constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notices address shall be the Froperip Address unless Borrower bas designated a substitute notice address by notice to Lender. Borrower shall promptly notify Leader of %rrowees change of address. If Lender A1enifift n pr„rM,,,p fn,, ra r as address, then Borrower shall only repor a change of address through that specifijd prooedewe Any notice to Leader shad designated notice address under this, purity Instmment at-mW ono timo. given by delivering it or by mailing it by first class mall to Lendee.q address stated herein valoss Lender has designated another address by notice to Borrower. Aay notice in connection with this Security Instrument shall not be deemed to have beeri, given to Lender until actually received by Lender. If any notice aired b Instrument is also required under tgls A?plicabie Law the Applicable Law ? . Y this Security n?nWng rreeqquirtmens under SecuntY rumeatp requirement will satisfy the lti. C3oPerning Law; lSeyernbility; Rules of Construction. 'I'bis Saourity instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Iastrurnent are subject to any requirements and limitations of Applicable Law. Applicable Law might explieitly or implicitly allow the agree by contract or it might be silent, but such silence shall not be construed a$ a prombiti a against agreement by contract, In the event that any prove' ion or clause of this Security Matrument or ttie Nots conflicts with Applicable Law, suoh conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine ender shall mean and includo corresponding neuter words or words of the feminine shall mean and include the plural and vice versa; geese„ {bywords is the singular ..t`?»-==v 4S-Ce&-j • w u+tw azais"an. ,and (ti) the word may gives sole discretion 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security 18. Transfer of the Property or a Beneficial Interest in. Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property. iaeluding, but net limited to, those benefioial interests transferred in a bond for deed, contract for deed, in.-tallmant Gallia contract or eecrow agreement, the intent of whisk is the, uuxfer of ado by Borrower at a future date to a If all or any part of then roperty or any Intet'est in the Proparry is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require.Imme:diate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender If such exercise is prohibited y Applicable Law. If Lender exercises this option, Leader shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 13 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this remedied fitted by this S e?i?• Lauder may invoke any rity Instrument without further notice or demand on Borrower. ecu 19. orrowor's Right to instato After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earl eat oh (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable enforcing thiiissSSecurioty?Instrument Thom conditions arse that Bo Borrower ( )spays Leaderlallsums (M-61PN 10000) Initials: S,c, f J_" P.n 12 of 10 Form 3039 1/01 Bit 1764PG46:93 Fab-09-2007 04:19pm From- T-676 P-034/060 F-212 which then would be due under his security Instrument and the Note as if no acceleration had occurred: (b) cttrea Any default of any nth*r rovensatc or a incurred in enforcing th(R Smirity Instrumem, including, but not tteedt to, re onable atvto y foes, property ins on and valuation fees and other fees incurred for the purpose of protecting Lender's Interest in the Pmpeny and rights under this Security Inatrumcat. and (d) takes such action as Leader may reasonably require to assure that Lender's Interest In the Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security lnatrument, cinch oontinuo uaehe Sod. Leader may rcgwro tlwt Doiaumm Yn nuula reinstatement sums and ozpeoaes in one or more of the following forms, as selected by Leader. (a) cash; (b) motley order; (c) certified cl=k, bank cheek, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality or entity; or (d) Electt+anlc Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligatiom secured hereby shall remain fully effective as If no acceleration had occurred. However, this right to reinstate WWI not apply in the case of acceleration under Section I& 20. Sala of Note.: Change of Loan Servicer; Notice of Grievance, The Note or a partial interest in the 117nte (t thAr with thin iCreuri{y j?rument) caq 1w c41d one or more times without prior notice totrBorrower, A sale might result in a change in the entity (known as the Loan Servicer") that collects Periodic Payments dub tinder the Note and this Security Instrument and performc other mortgago loan acrvioing obligations under the Nuir., llde Swudty Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state the name and address of the new Loon Servicor, the address to which payments should be made and any other information RESPA requires in connection with a notice nf tramlOr of --mdeins. If The Note In cold and thvroaftor then Lora iA apr-rkod W a ^-,*A Sea w1wa other than the purchaser of the Note, the mortgage loan servicing obliations to Borrower will remain with the Loan Servieer or be transferred to a successor Loan Seri icer and are not assumed by the Note purchaser unless otherwise provided by the Note Neither Borrower nor Lender ma purchaser. ether an individteal 114 ant or the member of a class) tthat or be to arisesofr m he othjudicial acon er party'shactions pursuant 'to this Security Instrument or that alleges that the other provision of, or any duty owed by reason at, this Security Instrument, upart ntil such Bbreach orrower or Lender has notified the other ply (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take Corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this par?gt?ph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and he notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy he notice and opportunity to take corrective action provisions of his Section 20. .21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic prvdum, toxic pesticides and herbicides. volatile solvents, materials containing a ?tosuor formaldehyde, and radioactive Materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (e) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleatnup. CL-SIPAJ (ciao" inlt("Is: p"' 12 of in Form 3039 1/01 BKI764PG4694 Feb-00-2007 04:20pm From- T-676 P.0361066 F-212 Borrower shall not cause or permit the presence, use, dispW, storage, or releW of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Eavcronm9utal Law, (b) which ceeatw an iaviroamanzal Condition, or (c) which, due to the presence, use, or release of a Yazardous Substeace, creates a condition that adversely affects the value of the Property. The preceding two santenoes shall not apply to the presence, use. or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (ineludin , but Apt lifirted to, hazardous substances in consumer products), Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other aetioa by any juvw=ental or regulatory agency or private party involving the Property and any Hazardous Substance or l3nv1ronmaAtsl Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking. discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence. use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or othw remediation of any Hazardous Substance affecting the roper?sp is necessary. Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Low provides otherwise). Lender shall notify Borrower of, among other things: (a) the default; (b) the action required to curd the default; (c) when the default must be cured; and (d) that failure to cure the default as specified may result in acceleration of the sums secured by this Security Instrument, foreclosure by judicial proceeding and sale of the Property. Lender shall further inform Borrower of the right to reinstate after acceleration and the-right to assert in the foreclosure proceeding the non-existence or a default or any other def=sc of Borrower to acceleration and foreclosure, If the default is not cured as specified. Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand acrd may foreclose this Security funtrucclent by judicial proceeding. Leader sh21I be entitled to collect all expenses incurred In pursuing the -remedies provided in this Section 22, including, but not B-mited to,-attorneys' free-.and costs of-title ewidtuce to the extent permitted-by -- Applicable Law, 23. Release. Upon payment of all sums scoured by Is Security Instrument, this Security instrument and the esta conveyed shall terminate and ome void. After such occurrence, Lender shalt discharge and satisfy this Security Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a Inc for releasing this Swurity Instroment; but only If the fee' is paid to a third parry for services rendered and the charging of the fee is permitted under Applicable Law. 24. Waivers. Borroxig_r. to the extentpermitted Ist ApplicAle Taw, wa;v'c nnei rn1rwwea any error or defects in proceedings to enforce this Security instrument, and hereby waives the benefit ur any prm=c or future laws proming ror my ct execution, extension or tome, exemption from attachment, levy and sale, and homestead exemption. - -IPA) (809W 1011211LAZ-5; P.I. 14 e} 16 1 p Form 3099 1101 8KI764PG4695 Feb-00-2007 04s20pR From- T-676 P-030/066 F-212 ZPA2 25, Reinstatement Period. Borrower's time to reinstate provided in Section 19 shall *ncnd to one hour prior to the commencement of bidding ate sheriff'sale or other ale pursuant to this Security Instrument. 26. Purchase Money Mortgage. If any of the debt secured by this Security Instrument is lent to Borrower to acquire title to the Property, this Security Instrument shall be a purchase money mortgage. 27. Irate est Rate lfte Iudement Rnrrnwnr agr.-ra }het the iatDreat rate payn'61a oftor a judam"r itt entered on the Note or in *a oo'tion of morognsc forwlu;rtut, n4WI tea taut raw. payabul from time to time under the Note. BY SIGNING BELOW, Borrower accopts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. Witnesses (Seal) -Borrower RICHARD L. CAMPBELL (sew) -Borrower (Seal) -Borrower ""- (Seal) LINDA J, CAMPBELL -Harrower (Seal) -Borrower (Seal) -Borrvwor (Seal) (Seal) -Borrower Borrower -SIPA! teeeM rn. is or to Form 3038 7/01 6KI764PG4696 Feb-09-2007 04:21pm From- . 0 T-676 PAWNS F-212 Ccrtif" to of Residen address o???am rt . do hereb Y certify that the correct 95403 $aBo-, 3883 AIRWAY DRIVE, SANTA ROSA, CA Witness my hand this 2? day of -eNk? Agens of Mortaeass COMMONWI.:ALTH OF PENNSYLVANIA, CUMBERLAND County s8: On this, the day of `yl+>< 7.+d- officer, personally appesced , before me, the undersigned RICMARD L. CAMPBELL, LINDA J. CAMPBELL mown zo me (or satisfactorily proven) to be the person(s) whose name(s) islare subscribed to the within instrument and acknowledged that helshelthey e=ecuted the same for the purposes herein caatained. IN «n I IJEES ?II?IiTQP, I hurcuum ser my hand ana ottieial seal. ,r/ MY Commission Expires: ?,?? ,.J NOTARM SSA!- ?" • : ;?1 Jqr, 9 CAROL L TROM Notary PUNIC New Cum WrlandfaroCumberland Co. My Corrunlsalan Expires Dec. 27 2006 ?? - Title of Officer r . - •, { : • ?:r' 4ML-"A) mooei INICISls how is of is ? Form 3039 vai SK- 1764PG4697 Feb-08-2007 04:21pm From- T-676 P.038/066 F-212 File,tiot. P129,739 hAac'sf. l: Cuinbc 1 d Court y, Pennsylvania, MOM IUWCUiorly bounded Land deesso ibed u follows, io twit: 1tfiG1NNINC at a paint an the wesitm side of Country Club Road at ilia dividing lire of Lott A-i and A-2 on file hereinafter Mentioned Plan of Lots,, them:* along Ills western side of Country Club Read, South 55 degrees 59 minutes 34 seconds But. 149.09 feet to a point; thance by a curve to itic right, hrtving a radius of 215.00 feet an are iength of 117,24 feet to a pohtl; thence South 24 degrees 45 minutes 2 seconds But, 95,16 feet to a point; thence South 37 degrees 10 minutes 12 seconds West, 195.10 feet to a point; thence North 46 degrees 96 minutes 7 seconds West, 175.49 feet to a point it cite line of Lot A-51; dun= along the line of Lot A-5 t, North 38 degrees 45 minutes so seconds west. 137.33 feet to a paint u the dividing tine of Lots A-1 and A-2; thence along Oro line of 141 A-2,,Narth 76 degrees 50 minuw 45 seconds Peal, 207.6S feet to a paint, Oto point and place of BEGINNING. BEING Lot A-1, on the Plan of Paler Land Develcpment,'Phase 1, as recorded in Plan Book 46, Page 4. ALL TIiAT CERTAIN tract of larW hzving tlretean a ected it deearallve planter and Associated landsmping, siPPIC In Past PeaosboroTownshrp, Curnbartand Connty, AennsyivanI being located an Lot A-I as shown on a Subdlvttlod Plan for Paaler Land Development. Phase t, and being Marc fully bounded and duc ibed as follows, to wit: nZOM(MG at a point In file west line of Country Club Road, said point being located Sabah 55 degrees 59 minutes 34 seconds But a distance or 148.09 fen from the Southeast corner of I.ot A-2, tbw= continuing along the we# line of Country Club load on a line Curving to Ilia right (raving a radius of 215.00 feet and a arc distance or 75.00 feat said arc being sabtentkd by a :laird of South 45 degrees 59 minuics 58 seconds Past and a length of 74.62 feel to a point; thence continuing through Lot A-1, the fallawin93 courses and dlstucest (1) South 53 degrees 59 minutes 39 seconds Weal, it distance of 35,00 feet to a poduf; (2) an a tine curving to rite tell haviny a radius of 180.00 feet mind an arc distance of 62.99 feet said are hdae suhtende i by a chord el North 4S degrees 59 minutes 58 seconds west and a length of 62,47 feel to a point; (3) Norlit 34 degrees 00 minutes 26 seconds rest a distance of 35.00 feet to a point, the place of 139GINNtNe. SAID portion orproperly excepted and reserved containing 2,411,34 square feet of land, Relit-..mot ALL T[tAT CERTAUf piece or parcel or I Id.,altuatc Itrman Pamsboro Township, Cumberland Calmly, Pennsylvania, more particularly bounded and described In exprti ncc with Olt final Subdivision Plant for Floribunda Heights, Phase 11, Seetian V, prepared by Martin & Martin, Inc., dated July 13, 1993, arid recorded in fits Offjec of the Aecordcr of Deeds or Cumberland County in Plan Bock 66, Page I13, as follows, to wit: 1110,0INNWG at a point being the common corner of Lots A-51, A-2, A-I and A-ln; thence along Lot A-1, South 38 degrees 45 minutes 50 seconds Past, a distance of 137.33 feet to a point; thence South 75 degrees 49 minutes 52 seconds West, a distance or 66,94 feel to a paint at ilia line of Lot A-52; thence: along said lot, North 38 degrees 45 minutes 50 seconds West, a distance or 81,87 feat Io a point at lice line of Lot A-5 1; ihcact along said lot, North 26 dcgrm 50 minutes 45 seconds East, a distance or 66.83 feat to a point, Ilia point and place of DMINNING, BEING Lot A 16, on the Subdivision Plan of Floribunda Heights, Please 71,,5cuslad V, ltecordad in Pfau Book 46, Page 113. I%KQW.l ALL MAT CERTAIN pie= or puccl of land silugic in pAn Cumberland Coumy, Pennsylvania, more particularly bounded and described its follows, Township, to wit: BCGINNING at a point on the westttnt side of Country Club Read at the dividing tins of LOIS A-Z and A-3 an Ike berehuttlcr mcnlioncd plan of tots; pronee along file western side orcouat-y 111,4,7°roe;, 3:.;:t $- _oe-.? -••,: •? +,,; .•:, - 101.8; feet to a point at ilia-line of LA A-1; thence along line of Lot A-?, South 25 aclimej SO minutes 45 stxoods West, 207.65 feet to a point; thence North 38 degrees 45 minutes 50 accund3 Went, 133.74 feet to a point A. Ilia line of Lo! A-3; dteace slung the leas of Lot A-3, North 34 dcgteee 00 minutes 26 srcaads Fast, 166.42 teat to a paint, the point acid peace of BEGINNING. BRING lot A-2, an the Plan of Peale Land Development, Phase f, as recorded In Plan cook 46, Paeo 4, ( Ccrtify this to be recordad I . ^ermberland County PA PA3 U_? RCCOTC7eT r , . pis Feb-09-200T 04:21pa From. T-676 P.030/060 F-212 ' M74 UGULAR RIDBR RRRR M74 8921872-663 Ilia rider is made this 24TH day of JUNE j 2002s and is incorporated into and shall be deemed .to amend and supplement the Mortgage, Deed of Trust or Security Deed (the "Security Instrument") of the same date which Borrower has given to secure Borrower's Note of the same date (the "Note") to WASHINGTON MUTUAL BANK, PA (the "Lander"). The Security Instrument covers the Property described in it and located at 10 ACCENT CIRCLE, CAMP HILL, PA 17011 Modifications. In addition to the covenants and agreements made in the Security Instrument, the Lender and Borrower further covenant and agree as follows. A. CHANGES AND ADDITIONS TO TH2 SECUIUTY INSTILUMENT AND OTHEM EIDERS This Rider makes certain changes and additions to the attached Security Instrument and Other Riders. Whenever the terms, conditions and promises contained in the Security Instrument and other Riders differ or are in conflict with this Rider, the provisions of this Rider will control. S. ADDITIONAL CHARGES Notwithstanding anything to the contrery contained in provisions of the Security Instrument, unless applicable law provides otherwise, I agree to pay certain reasonable charges (including any attorney's fees actually incurred by Lander for the review and preparation of documents) associated with the servicing of this loan, including, but not limited to, i) proomiug dishoaomd checks and insusaaca loss payments; U) processing my request for an ownership transfer. partial retease, grant of easement, modification and other agreement(s); iii) responding to my request for copies of loan documents and/or a loan payment history; and iv) preparation of an assignment, discharge or satisfaction of Security Instrument. yRV4& Vatslnn 2.0 ;Oaf27jaB) Page 1 of 2°c. . Initials Li{l70YSA BK f 764PG46.99 Feb-00-2007 04122pm From- T-676 P.040/000 F-212 C. RIDER VOID IB MORTGAGE SOLD TO FNMA. GNMA, FHI.MC. RFC OR SMSC If the Federal National Mortgage A=cjAtlon ("FNMA"). Government National Mortgage Association ("GNMA."), Federal Loma Loan Mortgage Corporation ("FHLMC"), Residential Funding Corporation ("RFC") or Sears Mortgage Securitie s Corporation ("SMSC") buys all or some of the Lender's rights under tha security Instrument and the Now. the promises and agreements in this Rider will no longer have any force or effect, except those promises-and agreements which are accepted by the purchasing organization. $Y SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this Regular ' Witn signature. ra; N t riame: Signature: Name: 3' au=: PRINT Name: - Signature.. PR me: VW210h 7.0 (1II1021971 RICHARD L. CA) L rrower 1 NDA J. thiftfix Eorrower orrower Borrower Page 2 of 2 LR1701JSB BK 1764PG4700 Feb-00-2007 04122pm From- T-076 P-041/068 F-212 22US ADJUSTABLE RATE RJDER 5921072-963 M74 (1 Year Treasary Index - Rate Caps) THIS ADJUSTA13LE RATE RIDER is made this 24TH da of U and is incorporated into and shall be deemed to amend and supplement the Mortgage?ODCeed of Trust, or Security Deed (the "Security Instrument") of the same date given by the undersigned (the "Borrower") to secure Borrower'n Adjuntable Rate Note (the "Note") to WASHINGTON MUTUAL BANK, FA (the "Lender") of the game date and covering the property described in the Security Instrument and located at: 10 ACCENT CIRCLE CAMP HILL, PA 17011 [Proiwriy Addroul THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE 1NTM4G9T RATE AN0 THE MONTHLY PAYMENT THP NnTP I IMIT2C THE AMOUNT THE 1IORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE TIME AN13 THE MAXIMUM RATE THE BORROWER MUST PAY. ADDITIONAL, COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lander further covenant and agree as follows: A. INTEREST RATE AND MONTHLY PAYMENT CHANGES The Nate provides for an initial interest rate of 5.500 ?. The Note provides for chan9e8 in the interest rate and the monthly payments as follows: 4- INTEREST AAT73 AND MONTHLY PAYMENT CHANGES (A) Change Dates The interest rate I will pay may change on the first day of JULY 20 05 and on that day every 12th month thereafter. Each date on which my interest rate could change is called a "Change Date." MULTISTATE ADJUSTABLE RATE RIDER - ARM 6-2 - Single Family - Fannie Maa/Fraddie Mao UNIFORM INSTRUMENT Fannie Mae 4--7/5-2/6-2 ARM -8228 (00p8) Form 31 Qnuckv Pago I of 4 Ialtieia/j 1?`r ~ VMPMORTGAGI3 FQRMS- i8%T*"-- l III I ? II?III?IIIIINIall?lll??ll?llll I?I???Il?IIII?INIINIi??ll EK I 764PG470'1 Feb-00-2007 04o23pm From- T-676 P.042/066 F-212 (B) The Index Beginning with the first Change Date, my interest rate will be based on an Index. The "Index" is the weekly average Yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Fedaral Reserve Beard. The mast recent Index figure available as of the date 45 days before eagli Change Date is called the "Current Index." If the Index is no longer available, she Note Holder will choose a new index which is based upon nnmrwrxhlr information ThP Nntn, T1rtl?irr w111 gives m?? natir4 of thin 4e%irw, (C) Calculation of Changes Before each Change Data, the Note Holder will calculate my now interest rate by adding TWO AND 75 / 100 percentage points ( 2.750 %) to the Current Index. The Note Holder will then round the result of this addition to the nearest one-eighth of One Percentage Point (0.125%). Subject to the limits stated in Section 4(A) below, this rounded amount will be my now interest rate until the next Change Date. The Note Holder will then determine the amount of the monthly payment that would be sufaicient to repay the unpaid principal that I am expected to owe at the Change Date in full on the Maturity bate at my new interest rate in substantially e4uOl payments. The result of this asloulation will be the new amount of my monthly payment. (D) Limits on Interest Rate Chguges The interest rate I am required to pay at the first change Date will not be greeter than 7.500 % or less than 31600 %, Thereafter, my iattrest rate will Raver be increased or decreased on any single Change Date by more than two percentage points (2.0%) from the rate of interest I have bean Paying for the preceding 12 months. My into n est rata will never be greaTer than 11.600 %. (E) Effective Date of Changes My new interest rate will become affective on each Change Date, I will pay the amount of my new monthly payment beginning on the first monthly payment date after the Change Date until the amount of my monthly payment changes again. (F) Notice of Changes The Note Holder will deliver or mail tome a notice of any changes in my interest rate and the amount of my monthly Payment before the affective date of any change. The notice will include information required by law to b- given to me and also the title and telephone number of a person who will answer any question I may have regarding the notice, (Mk-822R (0008) laltlal1? --7 7 Page 2 ofd Form 3111 1/01 OKI764PG4702 Fab-OA-2007 04:23pm From- T-076 P-043/008 F-212 B. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER Section 38 of the Security Inctrurnent is amended to read as follows: Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section • 18, "Interest in the Property" means any legal or beneficial interest in the A-ar= ;. inoiuding, but, not lknitod to, tho--- i_tare, ? tran ?n x h,nrt Mr deed, contrcct for deed, installment Was contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future data to a purchaser. If all Or any part of the Property or any Interest in the Property Is sold nr transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law, Leader also shall not exercise this option if: (a) Borrower causes to be submitted to Lender information required by Lender to evaluate the intended transferee as if a new loan were being made to the transferee; and (b) Lender reasonably determines that Lender's security will not be impaired by the loan assumption and that the risk of a breach of any covenant or agreement in this Security Instrument is acceptable to Lender. To the extent permitted by Applicable Law, Lender may charge a reasonable fee as a condirion to Lender's consent to the lost assumption. Lender may also require the transferee to sign an assumption agreement that is acceptable to Lender and that obligates the transferee to keep all the promises and agreements made in the Note and in this Security Instrument. Borrower will continue to be obligated under the Note and this Security Instrument unless Lender releases Borrower in writing. If Lender exercises the option M require immediate payment in full, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrumm t. If Borrower fails to pay these sums prior to the expiration of this period. Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. C%-BM toooal rnitiv1s:'0? Page 3 of 9 Form $111 1/01 BKI764PG4703 Fab-OB-2007 04s28am From- T-676 P.044/066 F-212 BX SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable Rate Rider. (Seal) -Borrower (Seal) Borrower (seal) -Borrower -(Seal) -Borrower (Seal) -Borrower RICHARD L. CAMPBELL (Seal) -Berrowar LINDA J. CAMPBELL CL-8229 (OOOg) Page 4 of 4 _(Seal) Borrower _ (Seal) -Borrower Form 5111 1/01 BK*1764PG47U4 PoWashington Mutual ao..ao? 1111111111111111111111111111111111111111111111111111111 ,- Jacksonville, FL 32231-4090 7100 4047 5100 3613 0963 January 2, 2007 LINDA J CAMPBELL 240 N 36TH ST CAMP HILL PA 17011 000078 /PC WE ARE A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICE OF COLLECTION ACTIVITY RE: ACCOUNT # 0100316272 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an of cial no i e that the mortgage on your home is in de a 1 and the lender * nds to foreclose. Specific information about tri nature of h d fa Ult is provided in the attached pag.i The HOMEOWNER'S MORTC:A A SI TAN PRO RAM l? is . i ??? may-- s-'u ngp ° say yo ?r nom This Notice explains how the program works. The name- address and phone number of Cons im r r di o tinseling Agencies s. i?'ne your County are ]i en at the enp of this No Boa to you have any Questions- you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2M. (Persons v * h impaired hearing can call (717) 780-1869)- This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling 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 find a lawyer. LA NOTIFICACIOON 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 ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. PA ACT 91 Pjh k M"6 HOMEOWNER'S NAME(S): Linda J. Campbell PROPERTY ADDRESS: 10 Accent Circle Camp Hill PA 17011 LOAN ACCT. NUMBER: 0100316272 ORIGINAL LENDER: CURRENT LENDERlSERVICER: Washington Mutual Bank HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINAN IA A I TAN E WHI H ti'AN CA VF y„ pL1R H ME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORT A E 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 BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORE LOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT t30) DA1c IF YOU DO NOT APPLY FOR M .RGENCY MORTGAGF. ASSISTANCE- YOU MUST BRING YOUR MORTGAGE UP TO DATE THE PART OF THIS NOTICE. CALLED "HOW TO CURE YOUR MORTGAGE DEEAUI T" .,X.,. . BRING YOUR TO DATE CONSUMER R DIT O iNS IPv'C A N IFS - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names addresses and t t nhon numbers of designated con m r credit counseling agencies for the county in which the prop,rty is 1 at a ar s f forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORT A ASCicTAN - 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). If you have tried and are unable to resolve this problem with the lender, 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 at the end of this Notice. 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. 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 FORTH 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 very limited. They will be disbursed by the Agency under 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 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 on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy, you can still apply for Emergency Mortgage Assistance.) 000078/CC826 HOW TO CURE YOUR MORTGAGE DEFA n T (Bring it up to da e) NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: 10 Accent Circle Camp Hill PA 17011 IS SERIOUSLY IN DEFAULT BECAUSE: Non-payment A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly Installments: 10/0112006 $3208.45 11/0112006 $3208.45 12/01/2006 $3208.45 Other charges (explain/itemize): Uncollected Late Charges $282.05 Uncollected Fees: Less Credits $0.00 TOTAL AMOUNT PAST DUE: $0 ? $9907.4; B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Not applicable): HOW TO 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 LENDER, WHICH IS $9907.4;, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payment mist m P,+her by cash- cashier's check, certified check or money order made payable and sent to Washington Mutual Bank Cash Processing P.O. Box 3200 Milwaukee, WI 53224 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Not applicable): IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exerrige its rights to a PI ra th mor;gage debt. This means that the entire outstanding balance of this debt will be considered due immediately, and you may lose the 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 lender also intends to instruct its attorneys to start legal action to for log upon your mortgaged prop<r y. *IF THE MORT .A . IC FOR rt ncFD i1PON The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins 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 you, you will have to pay all reasonable attonery's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If von cure the def=I wi hin h THIRTY (am DAY_period,youu will not he required to pay attorney's ees. OTHER r ND R R M DI - The lender may also sue you personally for the upaid principal balance and all other sums due under the mortgage. PA ACT 91 RIGHT TO OUR TH D FA 1 T PRIOR TO SI FRI rrs ??.? SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you may Still hay . the right to cure the defer„ if •„a n w -ollacr cog ttq connected with the sheriffq he lender and by performing any o h r r quirementc and r h morta•agg, Curin Sale ass =Wg?L?? restore your mortgage to the same position as if you had never defaulted. g your default in the manner set forth in this notice will EARLIEST POSSIBLE SHERIFF'S SA F DATE - It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately 9 months from the date of this Notice. A notice of the actual date of the Sheriffs 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 lender. HOW TO CONTACT THE LENDER: Name of Lender: Washington Mutual Bank Address: 7255 Baymeadows Way Jacksonville, FL 32256 Phone Number: 866-926-8937 Fax Number: 904-281-3914 Contact Person: Collection Department Email Address: www.wam whom loan om EFFECTS OF SHERIFF'S SALE: - You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may or $ 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. • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THE DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO 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 ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY ARE ATTACHED We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. PA ACT 91 Washington Mutual Mailstop JAXA2031 P.O. Box 44090 Jacksonville, FL 32231-4090 January 2, 2007 RICHARD L CAMPBELL 240 N 36TH ST CAMP HILL PA 17011 1111111111111111111111 0100316272 .o.. 5100 3613 0956 000077 /PC WE ARE A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICE OF COLLECTION ACTIVITY RE: ACCOUNT # 0100316272 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default and the lender in ads to for cIme Specific information about the nature of the default 1 provided m the attached nrygeL The HOMEOWNER'S MORTCA ASSISTANC F PRO AT?? ( h?AP)?y he able to help t?cavgyo ?r hom This Notic, explains how the program works, To see if HEMAP can help you must MFFT WITH A C()NSTTMFA fr?FiliT /`lIiTAT?ar ri`r i i I iinu 30 DAYS OF THE DATE OF THIS NOTICE- Take his Notice a th you when yo m= with the rounselin 7 Agency. The name addr ss and phone number of .onsumPr Credit Counseling Agencieserving your_Counnty are ii ten a the end of this Notice- If you have any_q uectims you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-232L (P?r ns with impaired hearing can call (717) 780-1869)- This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling 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 find a lawyer. 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 ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. PA ACC 91 HOMEOWNER'S NAME(S): Richard L. Campbell PROPERTY ADDRESS: 10 Accent Circle Camp Hill PA 17011 LOAN ACCT. NUMBER: 0100316272 ORIGINAL LENDER: CURRENT LENDER/SERVICER: Washington Mutual Bank HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH AN AVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORT A E 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 BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, 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 temporary stay 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 one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OcrnR WITHIN THR NFYT /am FIA WC rv .. 7 - OF THIS NOTICE CALLED "HOW TO R YOUR MORTGAGE DEFAULT"_ FXPLAiNC F-inW Tr) Ralur: VnrrD \Afln Tf Aw UP TO DATE. CONSUMER CREDIT COUNC .IN . AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names addresses- and telephone numbers of designated consumer credit o c ling agencies for the county in which the - rrQperty i located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately 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). If you have tried and are unable to resolve this problem with the lender, 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 at the end of this Notice. 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. 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 FORTH 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 very limited. They will be disbursed by the Agency under 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 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 on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy, you can still apply for Emergency Mortgage Assistance.) 000077/CO826 HOW TO CURE YOUR MORTGAGE DEFA LT (Bring it up to date) - The MORTGAGE debt held by the above lender on your property located at 10 Accent Circle Camp Hill PA 17011 IS SERIOUSLY IN DEFAULT BECAUSE: Non-payment A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the foll owing amounts are now past due: Monthly Installments: 101012006 $3208.45 11101(2006 $3208 45 12/0112006 . $3208.45 Other charges (explain/itemize): Uncollected Late Charges Uncollected Fees: $282.05 Less Credits $0 05 TOTAL AMOUNT PAST DUE: $0.00 $9907.4; B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Not applicable): HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this TOTAL AMOUNT PAST DUE TO THE LENDER WHICH IS $9907 4 PL notice BY PAYING THE , . ;, US ANY MORTGAGE PAYM WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payment must made Tithe b_x cas check. or money order made payable and sent to, ENTS AND LATE CHARGES h- cashier's check- certified Washington Mutual Bank Cash Processing P.O. Box 3200 Milwaukee, WI 53224 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Not applicable): Ir XQU UU rvtrr 'UR TH D FAU T - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to a r is its rights to a 1 ra he mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately, and you may lose the 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 lender also intends to instruct its attorneys to start legal action to foreclose anon your mortgaged property *IF THE MORTGAGE C FORECLOSED UPON The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins 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 you, you will have to pay all reasonable attonery's fees actually incurred by the lender even if they exceed $56.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the d fa .1 witti'n ttia THIRTY f.3n? DAY period you will not be required to pay attorney's fees OTHER LENDER REMEDIES - The lender may also sue you personally for the upaid principal balance and all other sums due under the mortgage. PA ACT 91 RIGHT TO rR TH . D FA J T PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAY and foreclosure proceedings have begun, you may still have the right to cure the defan It -] ,,.--4 .t,a -1s ....._...:.__ ___ - __ _ 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 approximately 9 months from the date of this Notice. A notice of the actual date of the Sheriffs 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 lender. HOW TO CONTACT THE LENDER: Name of Lender: Washington Mutual Bank Address: 7255 Baymeadows Way Jacksonville, FL 32256 Phone Number: 866-926-8937 Fax Number: 904-281-3914 Contact Person: Collection Department Email Address: www.wamuhomeloans com EFFECTS OF SHERIFF'S SAI F• - You should realize that a Sheriff's Sale will end your ownership of the mortgaged 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 furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may or $ 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. • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THE DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO 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 ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY ARE ATTACHED We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. PA ACT 91 the lender anti by nerformingany other requirements under h mortgage- Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. Washington Mutual 0100316272 P O. Box 44031 1111111111111111111111111111111111111111111 Jacksonville, FL 32231-4090 7100 4047 5100 3613 0987 January 2, 2007 LINDA J CAMPBELL 10 ACCENT CIRCLE CAMP HILL PA 17011 000080 /PC WE ARE A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICE OF COLLECTION ACTIVITY RE: ACCOUNT # 0100316272 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that h mortga on your home is in d fa lit and the lender intends to fore-close, Specific information aho ut the nature of the default is provided in the attached pages, The HOMEOWNER'S MORT A AS IST NCF, PROGRAM MAP) may be able to help to save your home This Notice explains how the program works To see if HEMAP can help you must MEET WITH A CONSUMER CREDIT COUNSELING A NCY WITHIN 30 DAYS OF THE DATE nF THIS NOTICE Take his Notice with you when you met with rha Counseling Agency, The name address and phone number of Consumer Credit Counseling Agencies serving your county are listed a thy -end of this Notice If you have any Questions, you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-23(Y7. (Persons with impaired hearing can call (717) 780-1869) This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling 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 find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUSS AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. PA ACT 91 HOMEOWNER'S NAME(S): Linda J. Campbell PROPERTY ADDRESS: 10 Accent Circle Camp Hill PA 17011 LOAN ACCT. NUMBER: 0100316272 ORIGINAL LENDER: CURRENT LENDER/SERVICER: Washington Mutual Bank HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU 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 BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, 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 temporary stay 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 one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THF. NEXT C1n1 nevc tF Yntl nn UL THIS NOTICE CALLS "HOW TO CURE YOUR MORTGAGE DEFAULT". EXPLAINS HOW TO B N`- YOU MORTGAGE UP TO DATE. CONSUMER CREDIT CO iNS INC AC .N I S - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names addresses, and consumer telephone numbers of designated credit icounseling agcncies for located the county in which the proprrty is end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE. ASSISTAN - 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). If you have tried and are unable to resolve this problem with the lender, 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 at the end of this Notice. 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. 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 FORTH 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 very limited. They will be disbursed by the Agency under 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 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 on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy, you can still apply for Emergency Mortgage Assistance.) 000080X0826 HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: 10 Accent Circle Camp Hill PA 17011 IS SERIOUSLY IN DEFAULT BECAUSE: Non-payment A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly Installments: 10/01/2006 $3208.45 11/01/2006 $3208.45 12/01/2006 $3208.45 Other charges (explain/itemize): Uncollected Late Charges $282.05 Uncollected Fees: $000 Less Credits $000 TOTAL AMOUNT PAST DUE: $9907.4; B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Not applicable): HOW TO CUR F 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 LENDER, WHICH IS $9907.4;, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. 1?aymen must b mad either by cash cashier's check- certified check or money order made payable and cent to, Washington Mutual Bank Cash Processing P.O. Box 3200 Milwaukee, WI 53224 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Not applicable): IF YOU DO NOT iR . TH . D FAT T - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to x .r ism its rights to accelerate h mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately, and you may lose the 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 lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. *IF THE MORTGArF. IS FORECLOSE]) UPON The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins 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 you, you will have to pay all reasonable attonery's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you .r h default within he THIRTY (30) DAY period, yo l will no b required to pay attorney's fees. OTHER LENDER R M DI S - The lender may also sue you personally for the upaid principal balance and all other sums due under the mortgage. PA ACT 91 RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you may still have the right to cure the default and prevent the sale at any time p to one hour before the Sheriffs Sale. You may do so by paying the total amount then past due. plus any late ^ other charges then due reasonable attorney's fees and cot connected with he foreclosure al and any other coats connected with the Sheriff's Sale specified in writing by the lender and by performing any other requirements under the mortgage Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALF, DATE - It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately 9 months from the date of this Notice. A notice of the actual date of the Sheriffs 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 lender. Name of Lender: Washington Mutual Bank Address: 7255 Baymeadows Way Jacksonville, FL 32256 Phone Number: 866-926-8937 Fax Number: 904-281-3914 Contact Person: Collection Department Email Address: www.wamuhomeloans.com EFFECTS OF SHERIFF'S SALE: - You should realize that a Sheriffs Sale will end your ownership of the mortgaged 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 furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may or X 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. • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THE DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO 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 ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY ARE ATTACHED We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. PA ACT 91 Washington Mutual Mailstop JAXA2031 P.O. Box 44090 Jacksonville, FL 32231-4090 January 2, 2007 RICHARD L CAMPBELL 10 ACCENT CIRCLE CAMP HILL PA 17011 1111111111111111111111 0100316272 „oo 4047 =100 3613 0970 000079 /PC WE ARE A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICE OF COLLECTION ACTIVITY RE: ACCOUNT # 0100316272 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default. and h 1 nd r intends to foreclose. Specific information about the na .r of the default is provided in the attached p_aecs. The HOMEOWNER'S MORTGAGE ASSISTANCE PRO RAMC (HEMAP) may be able to help to save your home This Notice explains how the program works, To see if HE AP can help you must MEET WITH A CQNSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE, Take his Notice with ygL when you meet with h Counseling Agencv The name, adder and phone number of on um r Credit Counseling Agencies se ping your County are listed at the end or this Notice, If you have any questions, you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397- (Pe"rsons with impaired hearing can call (717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling 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 find a lawyer. 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 ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. PA ACT 91 M HOMEOWNER'S NAME(S): Richard L. Campbell PROPERTY ADDRESS: 10 Accent Circle Camp Hill PA 17011 LOAN ACCT. NUMBER: 0100316272 ORIGINAL LENDER: CURRENT LENDER/SERVICER: Washington Mutual Bank HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN AVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENT 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 BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, 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 temporary stay 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 one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MITST O(Y'iTR WTTxrnv TuE NP.YT l2m ilA Vc ra V?TT r - ter TH1S NOTICE CALLED "HOW TO CURE YOUR MO TUAGE DEFAULT". EXPLAINS HOW . BRIM YOUR MORTGAGE UP TO DATE CONSUMER CREDIT COUNSELING A NCIFS - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names addresses. and telephone number of designated consumer credit counseling agencies for h un y in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately 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). If you have tried and are unable to resolve this problem with the lender, 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 at the end of this Notice. 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. 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 FORTH 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 very limited. They will be disbursed by the Agency under 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 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 on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy, you can still apply for Emergency Mortgage Assistance.) M 0000791CO826 - HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date)NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: 10 Accent Circle Camp Hill PA 17011 IS SERIOUSLY IN DEFAULT BECAUSE: Non-payment A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly Installments: 10/01/2006 $3208.45 11/01/2006 $3208.45 12/01/2006 $3208.45 Other charges (explain/itemize): Uncollected Late Charges $282.05 Uncollected Fees: $0.00 Less Credits $0.00 TOTAL AMOUNT PAST DUE: $9907.4; B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Not applicable): HOW TO CURE THE DEFA T - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $9907.4;, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by caSh, cashier's heck, certified check. or money order made payable and en to- Washington Mutual Bank Cash Processing P.O. Box 3200 Milwaukee, WI 53224 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Not applicable): IN X i NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate h mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately, and you may lose the 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 lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. *IF THE MORTGAGE IS FORECLOSED UPON The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins 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 you, you will have to pay all reasonable attonery's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cur the d fa ult within the THIRTY (30) DAY period. you will not he required to Ryattorney's fees, OTHER LENDER REMEDIES - The lender may also sue you personally for the upaid principal balance and all other sums due under the mortgage. PA ACT 91 w RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you may still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale You may do co bypa4ng the o al moue then past due. plus any late or other charges then due remnable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs t as specified in writing by the lender and by performing any other requiremen under he mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SA DATE - It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately 9 months from the date of this Notice. A notice of the actual date of the Sheriffs 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 lender. HOW TO CONTACT THE LENDER: Name of Lender: Washington Mutual Bank Address: 7255 Baymeadows Way Jacksonville, FL 32256 Phone Number: 866-926-8937 Fax Number: 904-281-3914 Contact Person: Collection Department Email Address: www.wamuhomeloans.com EFFECTS OF SHERIFF'S SALE: - You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may or X 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. • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THE DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO 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 ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY ARE ATTACHED We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. PA ACT 91 f J f Washington Mutual Bank f/k/a Washington Mutual Bank, FA v. Richard L. Campbell and Linda J. Campbell VERIFICATION The undersigned is Assistant Vice President of Washington Mutual Bank on behalf of Washington Mutual Bank f/k/a Washington Mutual Bank, FA and as such is familiar with the records of said corporation, and being authorized to make this verification on behalf of Plaintiff an officer of the corporation and being authorized to make this verification on behalf of Plaintiff, hereby verifies that the facts set forth in the foregoing Complaint are taken from records maintained by persons supervised by the undersigned who maintain the business records of the Mortgage held by Plaintiff in the ordinary course of business and that those facts are true and correct to the best of the knowledge, information and belief of the undersigned. I UNDERSTAND THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO THE PENALTIES OF PA.C.S. SECTION 4904 RELATING TO UNSWORN FALSIFICATION TO AUTHORITIES. Washington Mutual Bank on behalf of Washington Mutual Bank f/k/a Washington Mutual Bank, FA Date: vZ - -- O Name: eig Title: A . p Company: 1K9 Loan:0100316272 07-28846 P '?• 7?r c^ C7 ? p SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-28846 Washington Mutual Bank f/k/a Washington COURT OF COMMON PLEAS Mutual Bank, FA CIVIL DIVISION PLAINTIFF CUMBERLAND COUNTY VS. Richard L. Campbell and Linda J. Campbell NO:07-1129 CIVIL TERM DEFENDANTS PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES Enter Judgment IN REM in the amount of $358,633.02 in favor of the Plaintiff and against the defendants, jointly and severally, for failure to file an answer to Plaintiffs Complaint in Mortgage Foreclosure within 20 days from service thereof and assess Plaintiffs damages as follows and calculated as stated in the Complaint: Principal of mortgage debt due and unpaid Interest at 7.75% from September 1, 2006 to April 10, 2007 (222 days @ $71.50 per diem) Late charges (for certain months prior to default and every month after at a rate of $125.85 per month) Title Search Report Fees Attorneys Fees TOTAL AMOUNT DUE $336,754.92 $15,873.00 $755.10 -- $250.00 ,? $5,000.00 1 ,M§&633.02 Lauren R. Tabas, Esquire Attorney for Plaintiff AND NOW, judgment is entered in favor of the Plaintiff and against the Defendants and damages are assessed as above in the sum of $358,633.02. 07-28846 Aa. Pro. Prothy. SHAPIRO & KREISMAN, LLC BY: KEVIN DISKIN, ESQ., LAUREN R. TABAS, ESQ., AND ILANA ZION, ESQ. ATTORNEY I.D. NOS. 86727, 93337 & 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-28846 Washington Mutual Bank f/k/a Washington Mutual Bank, FA PLAINTIFF VS. Richard L. Campbell 240 North 36th Street Camp Hill, PA 17011 and Linda J. Campbell 240 North 36th Street Camp Hill, PA 17011 DEFENDANT(S) COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: STATE OF: COUNTY OF: AFFIDAVIT OF NON-MILITARY SERVICE THE UNDERSIGNED being duly sworn, states that he/she is over the age of eighteen years and competent to make this affidavit and the following averments are based upon investigations made and records maintained either as Plaintiff or servicing agent of the Plaintiff and that the above-captioned Defendants' last known address is as set forth in the caption and they are not in the Military or Naval Service of the United States of America or its Allies as defined in the Soldiers and Sailors Civil Relief Act of 1940, as amended. Washington Mutual Bank on behalf of Washington Mutual Bank f/k/a Washington Mutual Bank, FA By: NAME: AmjWeis TITLE: Assistant Vice p-siden `? Sworn to and subscribed before me th ate. ? day of 2 7. 07-28846 Notary Public 11 0 JAMES C. MORRIS NOTARY PUBLIC -MINNESOTA MY COMMISSION EXPIRES JAN. 31, 2 0 0 9 S&K Rip ON FEB 2 2 2007 SHAPIRO & KREISMAN, LLC BY: ILANA ZION, ESQUIRE ATTORNEY I.D. NO: PA Bar # 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-28846 Washington Mutual Bank Fk/a Washington Mutual Bank, FA PLAINTIFF VS. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 07-1129 CIVIL TERM Richard L. Campbell and Linda J. Campbell DEFENDANTS NOTICE OF INTENTION TO TAKE DEFAULT UNDER Pa.R.C.P. 237.1 IMPORTANT NOTICE TO: Richard L. Campbell DATE OF NOTICE: March 29, 2007 You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you. 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: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THUS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTIFICACION IMPORTANTE Usted se encuentra en estado de rebeldia por no haber tomado la accion requirida de su parte en este caso. Al no tomar la accion debida dentro de un termino de diez (10) dias de la fecha de esta notificacion, el tribuna podra, sin necesidad de compararecer usted in corte o escuchar preuba alguna, dictar sentencia en su contra. Usted puede perder bienes y otros derechos importantes. Debe llevar esta notificacion a un abogado immediatamente. Si usted no tiene abogado o si no tiene dinero suficiente para tal servicio, vaya en persona o llame por telefono a la oficina cuya direccion se encuentra escrita abajo para. averiguar donde se puede conseguir assitencia legal: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. PERSONS TO WHOM RULE 237.1 NOTICE SENT TO: Richard L. Campbell 240 North 36th Street Camp Hill, PA 17011 Linda J. Campbell 240 North 36th Street Camp Hill, PA 17011 'M?w 1? Ilana Zion, Esqui Shapiro & Kreisman, LLC Attorney for Plaintiff SHAPIRO & KREISMAN, LLC BY: ILANA ZION, ESQUIRE ATTORNEY I.D. NO: PA Bar # 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-28846 Washington Mutual Bank FWa Washington Mutual Bank, FA PLAINTIFF VS. Richard L. Campbell and Linda J. Campbell DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 07-1129 CIVIL TERM NOTICE OF INTENTION TO TAKE DEFAULT UNDER Pa.R.C.P. 237.1 IMPORTANT NOTICE TO: Linda J. Campbell DATE OF NOTICE: March 29, 2007 You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you. 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: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTIFICACION IMPORTANTE Usted se encuentra en estado de rebeldia por no haber tomado la accion requirida de su parte en este caso. Al no tomar la accion debida dentro de un termino de diez (10) dias de la fecha de esta notificacion, el tribuna podra, sin necesidad de compararecer usted in corte o escuchar preuba alguna, dictar sentencia en su contra. Usted puede perder bienes y otros derechos importantes. Debe llevar esta notificacion a un abogado immediatamente. Si usted no tiene abogado o si no tiene dinero suficiente para tal servicio, vaya en persona o Name por telefono a la oficina cuya direction se encuentra escrita abajo para averiguar donde se puede conseguir assitencia legal: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. PERSONS TO WHOM RULE 237.1 NOTICE SENT TO: Richard L. Campbell 240 North 36th Street Camp Hill, PA 17011 Linda J. Campbell 240 North 36th Street Camp Hill, PA 17011 Azno' V)"?\ Ilana Zion, Esquire Shapiro & Kreisman, C Attorney for Plaintiff SHAPIRO & KREISMAN, LLC BY: ILANA ZION, ESQUIRE ATTORNEY I.D. NO: PA Bar # 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-28846 Washington Mutual Bank f/k/a Washington Mutual Bank, FA PLAINTIFF VS. Richard L. Campbell and Linda J. Campbell DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 07-1129 CIVIL TERM CERTIFICATION OF MAILING NOTICE UNDER RULE 237.1 The undersigned hereby certifies that a Written Notice of Intention to File a Praecipe for the Entry of Default Judgment was mailed to the defendant (s) and to his, her, their attorney of record, if any, after the default occurred and at least (10) days prior to the date of the filing of the Praecipe. Said Notice was sent on the date set forth in the copy of said Notice attached hereto, March 29, 2007 to the following Defendants: Richard L. Campbell 240 North 36th Street Camp Hill, PA 17011 Linda J. Campbell 240 North 36th Street Camp Hill, PA 17011 Angela D'Antonio, Legal Assistant to Ilana Zion, Esquire for Shapiro & Kreisman, LLC SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-28846 Washington Mutual Bank f/k/a Washington Mutual Bank, FA PLAINTIFF VS. Richard L. Campbell and Linda J. Campbell DEFENDANTS COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO:07-1129 CIVIL TERM CERTIFICATE OF SERVICE I, Lauren R. Tabas, Esquire, Attorney for the Plaintiff, hereby certify that I have served by first class mail, postage prepaid, true and correct copies of the attached papers upon the following persons or their attorney of record: Richard L. Campbell 240 North 36th Street Camp Hill, PA 17011 Linda J. Campbell 240 North 36th Street Camp Hill, PA 17011 Date mailed: q - / J a t KREISMAN, LLC BY: Eaureri R. Tabas, Esquire Attorney for Plaintiff 07-28846 SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-28846 Washington Mutual Bank f/k/a Washington Mutual Bank, FA PLAINTIFF vs. Richard L. Campbell and Linda J. Campbell DEFENDANTS COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO:07-1129 CIVIL TERM CERTIFICATION OF ADDRESS I hereby certify that the correct address of the judgment creditor (Plaintiff) is: Washington Mutual Bank f/k/a Washington Mutual Bank, FA 11200 West Parkland Avenue Milwaukee, WI 53224 and that the last known address of the judgment debtor (Defendants) is: Richard L. Campbell 240 North 36th Street Camp Hill, PA 17011 Linda J. Campbell 240 North 36th Street Camp Hill, PA 17011 BY: PIR01 KREISMAN, LLC L/auroCi R. Tabas, Esquire Attorney for Plaintiff 07-28846 ?- c ('c ro W p, TD A C) c-n , - s T (z' ? J AC_} V J :-_ OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS Cumberland County Clerk Cumberland County Courthouse 1 Courthouse Square Carlisle, PA 17013 Curtis R. Long Prothonotary TO: Richard L. Campbell 240 North 36th Street Camp Hill, PA 17011 Washington Mutual Bank Fk/a Washington ; Mutual Bank, FA PLAINTIFF vs. ; Richard L. Campbell and Linda J. Campbell DEFENDANTS COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO:07-1129 CIVIL TERM NOTICE 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. -Curtis R ng Prothonotary [XX] Judgment by Default 'y/11I07 [ ] Judgment for Possession [ ] Judgment on Award of Arbitration ] Judgment on Verdict [ ] Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: ATTORNEY LAUREN R. TABAS, ESQUIRE AT (610) 278-6800. OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS Cumberland County Clerk Cumberland County Courthouse 1 Courthouse Square Carlisle, PA 17013 Curtis R. Long Prothonotary TO: Linda J. Campbell 240 North 36th Street Camp Hill, PA 17011 Washington Mutual Bank f/k/a Washington Mutual Bank, FA PLAINTIFF VS. Richard L. Campbell and Linda J. Campbell DEFENDANTS COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO:07-1129 CIVIL TERM NOTICE 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. s R. Lo ?Prothonotary [XX] Judgment by Default AY11116T [ ] Judgment for Possession [ ] Judgment on Award of Arbitration [ ] Judgment on Verdict [ ] Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: ATTORNEY LAUREN R. TABAS, ESQUIRE AT (610) 278-6800. SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-28846 Washington Mutual Bank f/k/a Washington Mutual Bank, FA PLAINTIFF VS. Richard L. Campbell and Linda J. Campbell DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 07-1129 CIVIL TERM AFFIDAVIT PURSUANT TO RULE 3129.1 Washington Mutual Bank f/k/a Washington Mutual Bank, FA, 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 10 Accent Circle, Camp Hill, PA 17011. 2. 3. Name and address of Owners or Reputed Owners Richard L. Campbell 240 North 36th Street Camp Hill, PA 17011 Linda J. Campbell 240 North 36th Street Camp Hill, PA 17011 Name and address of Defendants in the judgment: Richard L. Campbell 240 North 36th Street Camp Hill, PA 17011 Linda J. Campbell 240 North 36th Street Camp Hill, PA 17011 Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: Washington Mutual Bank f/k/a Washington Mutual Bank, FA 11200 West Parkland Avenue Milwaukee, WI 53224 f 4% Integrity Bank 3345 Market St. Camp Hill, PA 17011 Commonwealth of PA Department of Revenue #280946 Bureau of Compliance Harrisburg, PA 17128-0946 4. Name and address of the last recorded holder of every mortgage of record: Washington Mutual Bank f/k/a Washington Mutual Bank, FA, Plaintiff 11200 West Parkland Avenue Milwaukee, WI 53224 Washington Mutual Bank 3883 Airway Dr. Santa Rosa, CA 95403 5. Name and address of every other person who has any record lien on the property: NONE 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Cumberland County Domestic Relations 13 North Hanover Street Carlisle, PA 17013 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: TENANT OR OCCUPANT 10 Accent Circle Camp Hill, PA 17011 f 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. KREISMAN, LLC R. Tabas, Esquire 07-28846 rz ? ?-?, c-? -n ?: ?= -n y` _ ? `?,, .? '=; C1 v .,.. SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I. D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-28846 Washington Mutual Bank f/k/a Washington Mutual Bank, FA PLAINTIFF VS. Richard L. Campbell and Linda J. Campbell DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 07-1129 CIVIL TERM NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Linda J. Campbell 240 North 36th Street Camp Hill, PA 17011 Your house (real estate) at: 10 Accent Circle, Camp Hill, PA 17011 09-18-1308-050 is scheduled to be sold at Sheriffs Sale on September 5, 2007 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at 10:00am, to enforce the court judgment of $358,633.02 obtained by Washington Mutual Bank f/k/a Washington Mutual Bank, FA against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be'cancelled if you pay back to Washington Mutual Bank f/k/a Washington Mutual Bank, FA the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (610) 278-6800. 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 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 more chance you will have of stopping the sale. (See notice on page two of how to obtain an attorney.) A YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 4. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610) 278-6800. 5. 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. 6. 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 717-240-6390. 7. 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. 8. 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. 9. 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 no later than thirty (30) days from the date of the sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 10. 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 LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 07-28846 r .4 PARCEL l: ALL THAT CERTAIN piece or parcel of land situate in East Pennsboro Township, Cumberland County, Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a point on the Western side of County Club Road at the dividing line of Lots A- 1 and A-2 on the hereinafter mentioned Plan of Lots; thence along the Western side of Country Club Road, South 55 degrees 59 minutes 34 seconds East, 148.09 feet to a point; thence by a curve to the right, having a radius of 215.00 feet an arc length of 117.24 feet to a point; thence South 24 degrees 45 minutes 2 seconds East, 95.16 feet to a point; thence South 37 degrees 10 minutes 12 seconds West, 195.10 feet to a point; thence North 46 degrees 36 minutes 7 seconds West, 175.49 feet to a point at the line of Lot A-51; thence along the line of Lot A-51, North 38 degrees 45 minutes 50 seconds West; 137.33 feet to a point at the dividing line of Lots A-1 and A-2; thence along the line of Lot A-2, North 26 degrees 50 minutes 45 seconds East, 207.65 feet to a point, the point and place of BEGINNING. BEING Lot A-1, on the Plan of Pealer Land Development, Phase I, as recorded in Plan Book 46, Page 4. ALL THAT CERTAIN tract of land having thereon erected a decorative planter and associated landscaping, situate in East Pennsboro Township, Cumberland County, Pennsylvania being located on Lot A-1 as shown on a Subdivision Plan for Pealer Land Development, Phase I, and being more fully bounded and described as follows, to wit: BEGINNING at a point in the West line of Country Club Road, said point being located South 55 degrees 59 minutes 34 seconds East a distance of 148.09 feet from the Southeast corner of Lot A-2, thence continuing along the West line of Country Club Road on a line curving to the right having a radius of 215.00 feet and an arc distance of 75.00 feet said arc being subtended by a chord of South 45 degrees 59 minutes 58 seconds East and a length of 74.62 feet to a point; thence continuing through Lot A-1, the following 3 courses and distances: (1) South 53 degrees 59 minutes 39 seconds West, a distance of 35.00 feet to a point; (2) on a line curving to the left having a radius of 180.00 feet and an arc distance of 62.79 feet said arc being subtended by a chord on North 45 degrees 59 minutes 58 seconds West and a length of 62.47 feet to a point; (3) North 34 degrees 00 minutes 26 seconds East a distance of 35.00 feet to a point, the place of BEGINNING. SAID portion of property excepted and reserved containing 2,411.34 square feet of land. PARCEL 2: ALL THAT CERTAIN piece or parcel of land situate in East Pennsboro Township, Cumberland County, Pennsylvania, more particularly bounded and described in accordance with the Final Subdivision Plan for Floribunda Heights, Phase 11, Section V, prepared by Martin & Martin, Inc., dated July 13, 1993, and recorded in the Office of the Recorder of Deeds of Cumberland County in Plan Book 66, Page 113, as follows, to wit: at BEGINNING at a point being the common corner of Lots A-51, A-2, A-1 and A-la; thence along Lot A-1, South 38 degrees 45 minutes 50 seconds East, a distance of 137.33 feet to a point; thence South 75 degrees 49 minutes 52 seconds West, a distance of 66.94 feet to a point at the line of Lot-A52; thence along said Lot, North 38 degrees 45 minutes 50 seconds West, a distance of 81.87 feet to a point at the line of Lot A-51; thence along said Lot, North 26 degrees 50 minutes 45 seconds East, a distance of 66.83 feet to a point, the point and place of BEGINNING. BEING Lot A-la, on the Subdivision Plan of Floribunda Heights, Phase II, Section V, Recorded in Plan Book 66, Page 113. PARCEL 3: ALL THAT CERTAIN piece or parcel of land situate in East Pennsboro Township, Cumberland County, Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a point on the Western side of Country Club Road at the dividing line of Lots A-2 and A-3 on the hereinafter mentioned Plan of Lots; thence along the Western side of Country Club Road, South 55 degrees 59 minutes 34 seconds East, 101.85 feet to a point at the line of Lot A-1; thence along line of Lot A-1, South 26 degrees 50 minutes 45 seconds West, 207.65 feet to a point; thence North 38 degrees 45 minutes 50 seconds West, 133.74 feet to a point at the line of Lot A-3; thence along the line of Lot A-3, North 34 degrees 00 minutes 26 seconds East, 166.42 feet to a point, the point and place of BEGINNING. BEING Lot A-2, on the Plan of Pealer Land Development, Phase I, as recorded in Plan Book 46, page 4. BEING the same premises which Richard L. Campbell and Linda J. Campbell, his wife, by Deed dated April 6, 1995 and recorded in the Cumberland County Recorder of Deeds Office on April 11, 1995 in Deed Book 120, page 946, granted and conveyed unto Richard L. Campbell and Linda J. Campbell, husband and wife. {7 c_. ,. '? - ,? __., n .:.: ?:l T ? ? ?..? T --- ,. t? t? _ l.. i rw?. ...r. r j I`i '"d ?? ... ?? r -4 SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-28846 Washington Mutual Bank f/k/a Washington Mutual Bank, FA PLAINTIFF VS. Richard L. Campbell and Linda J. Campbell DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 07-1129 CIVIL TERM NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Richard L. Campbell 240 North 36th Street Camp Hill, PA 17011 Your house (real estate) at: 10 Accent Circle, Camp Hill, PA 17011 09-18-1308-050 is scheduled to be sold at Sheriffs Sale on September 5, 2007 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at I0:00am, to enforce the court judgment of $358,633.02 obtained by Washington Mutual Bank f/k/a Washington Mutual Bank, FA against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to Washington Mutual Bank f/k/a Washington Mutual Bank, FA the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (610) 278-6800. 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 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 more chance you will have of stopping the sale. (See notice on page two of 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. 4. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610) 278-6800. 5. 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. 6. 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 717-240-6390. 7. 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. 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. 9. 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 no later than thirty (30) days from the date of the sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 10. 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 LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 07-28846 A' PARCEL 1: ALL THAT CERTAIN piece or parcel of land situate in East Pennsboro Township, Cumberland County, Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a point on the Western side of County Club Road at the dividing line of Lots A- 1 and A-2 on the hereinafter mentioned Plan of Lots; thence along the Western side of Country Club Road, South 55 degrees 59 minutes 34 seconds East, 148.09 feet to a point; thence by a curve to the right, having a radius of 215.00 feet an arc length of 117.24 feet to a point; thence South 24 degrees 45 minutes 2 seconds East, 95.16 feet to a point; thence South 37 degrees 10 minutes 12 seconds West, 195.10 feet to a point; thence North 46 degrees 36 minutes 7 seconds West, 175.49 feet to a point at the line of Lot A-51; thence along the line of Lot A-51, North 38 degrees 45 minutes 50 seconds West; 137.33 feet to a point at the dividing line of Lots A-1 and A-2; thence along the line of Lot A-2, North 26 degrees 50 minutes 45 seconds East, 207.65 feet to a point, the point and place of BEGINNING. BEING Lot A-1, on the Plan of Pealer Land Development, Phase I, as recorded in Plan Book 46, Page 4. ALL THAT CERTAIN tract of land having thereon erected a decorative planter and associated landscaping, situate in East Pennsboro Township, Cumberland County, Pennsylvania being located on Lot A-1 as shown on a Subdivision Plan for Pealer Land Development, Phase 1, and being more fully bounded and described as follows, to wit: BEGINNING at a point in the West line of Country Club Road, said point being located South 55 degrees 59 minutes 34 seconds East a distance of 148.09 feet from the Southeast corner of Lot A-2, thence continuing along the West line of Country Club Road on a line curving to the right having a radius of 215.00 feet and an arc distance of 75.00 feet said arc being subtended by a chord of South 45 degrees 59 minutes 58 seconds East and a length of 74.62 feet to a point; thence continuing through Lot A-1, the following 3 courses and distances: (1) South 53 degrees 59 minutes 39 seconds West, a distance of 35.00 feet to a point; (2) on a line curving to the left having a radius of 180.00 feet and an arc distance of 62.79 feet said arc being subtended by a chord on North 45 degrees 59 minutes 58 seconds West and a length of 62.47 feet to a point; (3) North 34 degrees 00 minutes 26 seconds East a distance of 35.00 feet to a point, the place of BEGINNING. SAID portion of property excepted and reserved containing 2,411.34 square feet of land. PARCEL 2: ALL THAT CERTAIN piece or parcel of land situate in East Pennsboro Township, Cumberland County, Pennsylvania, more particularly bounded and described in accordance with the Final Subdivision Plan for Floribunda Heights, Phase II, Section V, prepared by Martin & Martin, Inc., dated July 13, 1993, and recorded in the Office of the Recorder of Deeds of Cumberland County in Plan Book 66, Page 113, as follows, to wit: BEGINNING at a point being the common corner of Lots A-51, A-2, A-1 and A-1 a; thence along Lot A-l, South 38 degrees 45 minutes 50 seconds East, a distance of 137.33 feet to a point; thence South 75 degrees 49 minutes 52 seconds West, a distance of 66.94 feet to a point at the line of Lot-A52; thence along said Lot, North 38 degrees 45 minutes 50 seconds West, a distance of 81.87 feet to a point at the line of Lot A-51; thence along said Lot, North 26 degrees 50 minutes 45 seconds East, a distance of 66.83 feet to a point, the point and place of BEGINNING. BEING Lot A-la, on the Subdivision Plan of Floribunda Heights, Phase II, Section V, Recorded in Plan Book 66, Page 113. PARCEL 3: ALL THAT CERTAIN piece or parcel of land situate in East Pennsboro Township, Cumberland County, Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a point on the Western side of Country Club Road at the dividing line of Lots A-2 and A-3 on the hereinafter mentioned Plan of Lots; thence along the Western side of Country Club Road, South 55 degrees 59 minutes 34 seconds East, 101.85 feet to a point at the line of Lot A-1; thence along line of Lot A-1, South 26 degrees 50 minutes 45 seconds West, 207.65 feet to a point; thence North 38 degrees 45 minutes 50 seconds West, 133.74 feet to a point at the line of Lot A-3; thence along the line of Lot A-3, North 34 degrees 00 minutes 26 seconds East, 166.42 feet to a point, the point and place of BEGINNING. BEING Lot A-2, on the Plan of Pealer Land Development, Phase I, as recorded in Plan Book 46, page 4. BEING the same premises which Richard L. Campbell and Linda J. Campbell, his wife, by Deed dated April 6, 1995 and recorded in the Cumberland County Recorder of Deeds Office on April 11, 1995 in Deed Book 120, page 946, granted and conveyed unto Richard L. Campbell and Linda J. Campbell, husband and wife. .? 77 1 T'? e IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION PRAECIPE FOR WRIT OF EXECUTION Caption: () Confessed Judgment () Other Washington Mutual Bank f/k/a Washington ; File No. 07- f !Z 5 Mutual Bank, FA Amount Due $358,633.02 PLAINTIFF Interest April 11, 2007 to September 5, vs. 2007 is $11,270.20 Richard L. Campbell and Linda J. Campbell Atty's Comm DEFENDANTS Costs TO THE PROTHONOTARY OF THE SAID COURT: The undersigned hereby certifies that the below does not arise out of a retail installment safe, contract, or account based on a confession of judgment, but if it does, it is based on the appropriate original proceeding filed pursuant to Act 7 of 1966 as amended; and for real property pursuant to Act 6 of 1974 as amended. Issue writ of execution in the above matter to the Sheriff of Cumberland County, for debt, interest and costs, upon the following described property of the defendant(s) See attached Legal Description PRAECIPE FOR ATTACHEMENT EXECUTION Issue writ of attachment to the Sheriff of Cumberland County, for debt, interest and costs, as above, directing attachment against the above-named garnishee(s) for the following property (if real estate, supply six copies of the description; supply four copies of lengthy personalty list) and all other property of the defendant(s) in the possession, custody oy"rol of the said garnishee(s). (Indicate) Index this writ against the garnishee(s) a a lis hRmdens against real defendant(Ls) described in the attached exhibit. _-----? Date: ?I Signat? /re: Print Na : La en R. Tabas. Esau Address: 3600 Horizon Drive, Ste. 150 King of Prussia, PA 19406 Attorney for: Plaintiff Supreme Court ID # PA Bar # 93337 r 44. p Q O? C C C d 7J 1 CD WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 07-1129 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due WASHINGTON MUTUAL BANK F/K/A WASHINGTON MUTUAL BANK FA, Plaintiff (s) From RICHARD L. CAMPBELL AND LINDA J. CAMPBELL (1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION. (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $358,633.02 Interest 4/11/07 TO 9/5/07 IS $11,270.20 Atty's Comm % Atty Paid $189.80 Plaintiff Paid Date: APRIL 11, 2007 L.L. $.50 Due Prothy $2.00 Other Costs C s R. Lo , ro notary (Seal) REQUESTING PARTY: Name LAUREN R. TABAS, ESQUIRE Address: 3600 HORIZON DRIVE, STE. 150 KING OF PRUSSIA, PA 19406 Attorney for: PLAINTIFF Telephone: 610-278-6800 Supreme Court ID No. 93337 By: Deputy SHERIFF'S RETURN - REGULAR CASE NO: 2007-01129 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND WASHINGTON MUTUAL BANK ET AL VS CAMPBELL RICHARD L ET AL MARK CONKLIN Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon CAMPBELL RICHARD L the DEFENDANT , at 1616:00 HOURS, on the 8th day of March , 2007 at 240 NORTH 36TH STREET CAMP HILL, PA 17011 by handing to RICHARD CAMPBELL a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: So Answers: Docketing Service 18.00 14.40 Affidavit .00 Surcharge 10.00 R. Thomas Kline 00 42.401 03/09/2007 a6 SHAPIRO & KREISMAN Sworn and Subscibed ?01 to Al By: before me this day De ty Sheri f of A.D. SHERIFF'S RETURN - REGULAR CASE NO: 2007-01129 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND WASHINGTON MUTUAL BANK ET AL VS CAMPBELL RICHARD L ET AL MARK CONKLIN , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon CAMPBELL LINDA J the DEFENDANT at 1616:00 HOURS, on the 8th day of March , 2007 at 240 NORTH 36TH STREET CAMP HILL, PA 17011 by handing to RICHARD CAMPBELL, HUSBAND a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: So Answers: Docketing Service 6.00 .00 Affidavit .00 Surcharge 10.00 R. Thomas Kline 00 16.00 03/09/2007 Dyb SHAPIRO & KREISMAN D1 OgI Sworn and Subscibed to By: before me this day Deput Sheriff of A.D. SHERIFF'S RETURN - NOT FOUND CASE NO: 2007-01129 P COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND WASHINGTON MUTUAL BANK ET AL VS CAMPBELL RICHARD L 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 TENANT/OCCUPANT but was unable to locate Him in his bailiwick. He therefore returns the COMPLAINT - MORT FORE , NOT FOUND , as to the within named DEFENDANT , TENANT/OCCUPANT 10 ACCENT CIRCLE CAMP HILL, PA 17011 10 ACCENT CIRCLE IS VACANT. Sheriff's Costs: So answers: _ Docketing 6.00 Service 14.40 Not Found 5.00 R. Thomas Kline Surcharge 10.00 Sheriff of Cumberland County .00 35.40 SHAPIRO & KREISMAN .10101 03/09/2007 Sworn and Subscribed to before me this day of A. D. M ILANA ZION, ES Q., ATTORNEY I.D. NO. 87137 3600 HORIZON DRIVE, SUITE 150 SHAPIRO & KREISMAN, LLC BY: KEVIN DISKIN, ESQ., ATTORNEY I.D. NO. 86727 LAUREN R. TABAS, ESQ., ATTORNEY I.D. NO. 93337 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-28846. Washington Mutual Bank f/k/a Washington Mutual Bank, FA PLAINTIFF VS. Richard L. Campbell 240 North 36th Street Camp Hill, PA 17011 and Linda J. Campbell 240 North 36th Street Camp Hill, PA 17011 DEFENDANT(S) COURT OF COM1\40 CUMBERLAND Cp vTY AS NO: COMPLAINT - CIVIL ACTION MORTGAGE FORECLOSURE NOTICE YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAyS I VIER ' SE C COMPLAINT AND NOTICE ARE SERVED, BY ENTERING A WRITTEN APPEARANCE P TER THIS FORT11 ATTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECT S?NALLY CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO Dp So r ONS TO r*fER By PROCEED WITHOUT YOU AND A JUDGMENT MAYBE ENTERED AGAINST YOU By T HE cotj]R CASE WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOE A -V MAY CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR pROpERN T yY 01 HER OTHER RIGHTS IMPORTANT TO YOU. R YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO N LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH B11A W T OUT WHERE YOU CAN GET LEGAL HELP. O FIND IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO ABOUT WWII A RED O UCED M T FOR NO FEE AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIB ?E PER YOU SONS Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 TRUE `' ' ? k6CORD TOS*flw to set my tot A the I .'I jalak*-, PA 0 A PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICIA LE HAN DEMANDADO A USTED EN LA CORTE. SI USTED QUIERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, USTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA ESCRITA O EN PERSONA O POR ABOGADO Y ARCHIVAR EN LA CORTE EN FORMA ESCRITA SUS DEFENSAS O SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU PERSONA. SEA AVISADO QUE SI USTED NO SE DEFIENDE, LA CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AVISO O NOTIFICACION Y POR CUALQUIER QUEJA O ALIVIO QUE ES PEDIDO EN LA PETICION DE DEMANDA. USTED PUEDE PERDER DINERO O SUS PROPIEDADES O OTROS DERECHOS IMPORTANTES PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 SHAPIRO & KREISMAN, LLC BY: KEVIN DISKIN, ESQ., ATTORNEY I.D. NO. 86727 LAUREN R. TABAS, ESQ., ATTORNEY I.D. NO. 93337 ILANA ZION, ESQ., ATTORNEY I.D. NO. 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-28846 Washington Mutual Bank f/k/a Washington Mutual Bank, FA PLAINTIFF VS. Richard L. Campbell 240 North 36th Street Camp Hill, PA 17011 and Linda J. Campbell 240 North 36th Street Camp Hill, PA 17011 DEFENDANT(S) COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, Washington Mutual Bank f/k/a Washington Mutual Bank, FA, the address of which is, 11200 W. Parkland Ave., Milwaukee, Wisconsin 53224, brings this action of mortgage foreclosure upon the following cause of action: 1. (a) Parties to Mortgage: Mortgagee: Washington Mutual Bank, FA Mortgagor(s): Richard L. Campbell and Linda J. Campbell (b) Date of Mortgage: June 24, 2002 (c) Place and Date of Record of Mortgage: Recorder of Deeds Cumberland County Mortgage Book 1764 Page 4682 Date: July 11, 2002 The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. No. 1019(g). A true and correct copy of the Mortgage is attached hereto and marked as Exhibit "A" and incorporated herein by reference. 2. Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the legal successor in interest to the original Mortgagee, or is the present holder of the mortgage by virtue of the above-described Assignment(s). 3. The real property which is subject to the Mortgage is generally known as 10 Accent Circle, Camp Hill, Pa 17011 and is more specifically described as attached as part of Exhibit "A." 4. The name and mailing address of each Defendant is: Richard L. Campbell, 240 North 36th Street, Camp Hill, PA 17011; Linda J. Campbell, 240 North 36th Street, Camp Hill, PA 17011. 5. The interest of each individual Defendant is as Mortgagor, Real Owner, or both. 6. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, are due as of October 1, 2006 and have not been paid, and upon failure to make such payments when due, the whole of the principal, together with charges specifically itemized below are immediately due and payable. 7. The following amounts are due as of February 28, 2007: Principal of Mortgage debt due and unpaid Interest currently due and owing at 7.75% per annum calculated from September 1, 2006 at $71.50 each day Late Charge of $125.85 per month assessed on the 16th of each month from October 16, 2006 to February 16, 2007, (5 Months) Escrow Balance (Credit to Defendant) Property Inspection Title Search/Report Fees Attorneys' Fees and Costs TOTAL $336,754.92 $12,941.50 $629.25 ($1,543.46) $8.90 $250.00 $5,000.00 $354,041.11 8. Interest accrues at a per diem rate of 71.50 each day after February 28, 2007, that the debt remains unpaid, and Plaintiff may incur additional attorneys' fees, as well as other expenses, costs and charges collectible under the Mortgage. 9. The attorneys' fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriffs sale. If the Mortgage is reinstated prior to the sale, reasonable attorneys' fees will be charged based on work actually performed. 10. This interest rate is subject to adjustment as more fully set forth in the Mortgage. 11. Notice pursuant to the Homeowners' Emergency Mortgage Assistance Act of 1983, 35 P.S. § 1680.402c, et seq., was sent to each individual Mortgagor at their mailing address and/or the mortgaged property address by first-class mail and certified mail. Pursuant to the act of December 21, 1998 (P.L. 1248, No. 160) (Act 160), this Notice contains the information required by the act of March 14, 1978 (P.L. 11, No. 6), 41 P.S. Section 403 et seq., and separate Notice of Intention to Foreclose is not required. Copies of the Notice are attached hereto as Exhibit "B." WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in favor of Plaintiff and against Defendants, jointly and severally, in the amount set forth in paragraphs 7 and 8, together with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Mortgage and for the foreclosure and sale of the mortgaged premises. SHAPIRO & KREISMAN, LLC Date: :Z12-7-11 M BY: ?- try Attorney for Plaint S & K File No. 07-28846 Fab-09-2007 04:13pm From- •t a 7?D A?-?..a Prepared By: RACHEL BOSWELL Parcel Number; as-le-1309-050 Return To: NORTH AMER I CAN MORT(YAGE P.O. Box 808031 PETALUMA, CA 94975-0031 FINAL REVIEW AU 062 [Space Abave This Line For Rocording Data] ZPA1 M7d MORTGAGE 8921672- BB3 DEFINMONS 'fiords used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also nrnv;,ipA in CAmt;mn 7F, (A) "Sectlrity Instrument" means this document, which is dated JUNE 24, 2002 together with all Riders to this document. (B)"Borrower"is RICHARD L. CAMPBELL AND, LINDA J. CAMPBELL 130rrower is the mortgagor under this Security Instrument. (C)"Lender"is WASHINGTON MUTUAL BANK, FA Leader is a FEDERAL SAV I NOS BANK organized and existing under the '&W$ of THE UN I TED STATES OF AMER I CA PENNSYLvANIA - Singla Family ^ Fannin Mae/Froddie Mac UNIFORM INSTRUMENT to%-G(PAI moon Form 310-41 ^ P.A. '4 19 lnlti.l tirMP MOATG = flonma (0062t ?-Txbj III IIIIII1 ?IiII?fIINNIII111 II???I?ll? I?lll?ll?ll?l?lll?l?llllllll BK 1764PG4682 T-676 P.022/066 F-212 Rf;T r. Z;L'CLER r EC":'•??IN Gf D6DS ? 11!" iJ CCUIITY-FA '02 JUL 11 Pr'l `I nN Exk?bl+it R" Fab-08-2007 04:14m From- T-676 P.023/006 F-212 Lender'saddressis 3883 AIRWAY DRIVE, SANTA ROSA, CA 96403 I,ettder is the mortgagee under this Security Lostrument. (D) "Note" means the promissory note Signed by 13orrnwer and dated JUNE 24, 2002 The Note states that Borrower owes Lender THREE HUNDRED F I FTY N I NE THOUSAND AND 001100 l?Ollars (U.S. $ 359,000.00 ) plus interest, Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt In full not later than JULY 01 , 2032 (E) Property "means the property that is described below under the heading 'Transfer of Rights in the Property, (P) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Seeutity Instrument, plus interest. (G) "hiders" means all Riders to this security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: K Adjustable Rate Rider Condominium Rider ®Second Home Rider Balloon Rider 0 Planned LJnit Development Rider 1-4 Family Rider VA Rider Biweekly Payment Rider Q Othor(a) [specify] REGULAR RIDER (H) "Applicable, Law" means 41 controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions. (I) "Community Association Dues, Fees, and Assessments" means all dues. fees, nmemm-t5 and other eharaw that are Impoood an Borrower or the Property by a condoalwum association, homeowners association or similar organization. (7) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or aimilar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point,of sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (K) "Escrow Items" means thnrr itnme that are described in Seorion 3. (L) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than Insurance proceeds paid under the coverages described in Section 5) for. (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyanoo in lieu of condemnation: or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (M) "Mortgage Insurance" mesas insurance protecting header against the nonpayment of, or default on, the Loan. (N) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under tho Notc, plus (ii) arty amounts under Section 3 of this Security Instiuintiu. -6iPA) wanui P60. a 0 to r? Inltlala? Form 3038 1101 BK ! 764PG4683 Fab-09-2007 04:14pm From- T-676 P-024/086 F-212 (O) "MPA" mcata the Real Estate Settlement Procedures Act (12 V s.C Section 2601 et seq.) and its implementing regulation, Regulation R (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or sucremor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RBSPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if tho Loan does not qualify as a "federal ly related mortgage loan" under RESP.A. (P) "Successor in Interest of Borrower" mews any pay that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note andlor this Security Instrument, TRANSFER OF RIGHTS IN TIM PROPERTY This Security Instrument secures to Tender; (1) the repayment of the Loan, and all renewalo, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreernints under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lrndar the following described property located in the COUNTY Of CUMBERLAND (Typo of Recording ]urlidictioul [Name of Recording Jurisdiction] THE LEGAL DESCRIPTION 1S ATTACHED HERETO AS A SEPARATE EXHIBIT AND IS MADE A PART HEREOF. 10 ACCENT CIRCLE CAMP HILL ("Property Address"): which currently has the address of [Street] [City] , Pennsylvania 17011 [zip Code] TOGETHER WITH all the Improvements now or hereafter orectod on the property, and all easerneats. appurtenances, and fixtures now Or hereafter a part of the property. All replacernents and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as tba "property." (M-SAPAI Moo) InitIe1Ld= n... s .r .. Farm a0an -Idfo'f 8K 17 6 4 FIG 4 6.84 Fab-09-2007 04.14pn Frum- T-678 P-025/068 F-212 BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Pro against all claims and demands, subject to any encumbrance of record. THIS SECT INSTRWENT combines uniform covenants for national use and aon-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real proy. UNIFORM COVENANT Borrower and Leader covenant and agree as follows, 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Chargos. Borrower sbaU pay when due the principal of, and interest on, the debt evidenced by the Note and any Prepayment charges and late charges due under the Nota Borrower shall also pay funds for Bartow Items pursuattt to Section 3. Payments due under rho Note and this Security lnatntrrlrntailntf 1,.• rrsade in U,9, ?urrvaoy. Aowovor, irf asxr ehwk of .ysto, uxueuf.4"CiVW by Leader as I?ymont under the Note or this Security Instrument ie returned to bender unpaid, Leader may require that any or al! subsequent payments due under the Note and this Security Instrument be made in one 1)r more of the following forms, as selected by Lender. (a) cash, (b) money order; {c) certified chock, ban]r check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality. or entity; or (d) Electronic Funds Transfer. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender, in accordance with the notice provisions in Section 15. Lender may return any payment or partial-payment if"zhe-payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loss current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is. not obligated to apply such Payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower, If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in 6e: future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Inatrurneat. 2 Application of Payments or Proceeds, Except as otherwise described in this Section 20 all payments accepted and applied by Lender shall be applied in the following order of priori ty (a) interest due under the Note; (b) principal due under the Neu; (c) amounts due under Sectlvn: 3. Such payments shall be applied to each Teriodie Payment in the order.ia which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security lnstrurcvnt, and then to reduce the principal balance of the Note. IF London mkvAvf~, n pteymenr prom Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge, If more than one periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that. each paymcns can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be iV1' -ei(PAl 100011) pas 4 of 10 1nlclr.lz Lt. Farm 3099 imi BKI764PG4Ga5 Feb-00-2007 04116pm From- T-676 P.026/066 F-212 applied to any late charges duo. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Notes Amy =pplioation of paYsuouto, 1i=rago9 proac-4 of hfiaf.cIlnucuuy Fru =6- W prlnutpal due under the Note shall not extend or postpone the due date, or change the amount, of the periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lauder on the day Periodic Payments are duo under the Note until the Note is paid in full, a sure (the "Funds") to provide for payment of amrnmtft due for. Q taxes and assersmante and other itama which can attar priority over this Security Instrument as a lien or encumbrance on the Property, (b) leasehold payments or ground rents; on the Property, if any, (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Leader in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the term of the Loan, Leader may require that Community Association Dues. Pecs, and Assessments, if any, be escrowed by Borrower, and such dues, fees and asressments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Iterris unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing, In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts due for any Escrow Items for which payment of Funds has been waived by bender and, if bender requires, shall furnish to Lender receipts evidencing such payment within allch time period as Lender nny require. Borrower's obligation to make such payments and to provide reaeipu shall for all purposes be deemed to be a oovcnant and agreement contained in this CsccttriLy Ynsuvmcnt. as Illc pluabro "covenant and agreemcut" i¢ used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver. and Borrower fails to pap the amount due for an Escrow Item, Lender may exesoise its rights under Section 9 and pay such amount and $orrowor shalt then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or alt lrscrow Items at any time by a notice given in accordance with Section 15 and, upon Buell revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, eolleot and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at the time specified udder RESPA, and (b) not to exceed the tnaidmum amount a lender can require ender RESPA. Lender shall estimate the amount of Fund3 due on the basis of current data and reasonable estimates of expenditures of future fi?crow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an inudtutiuu whum deposits are Insured-by a-fed'eraf agency, instrumentality, or entity (including Lender, if Lender is an institution whom deposits are so insured) or in any federal Home Loan Bank. Lender shalt apply the Funds to pay the Escrow Items no later than the time specified under AWPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to ttoo Lt-. oaald wil dLu charge. i&.Lvudera"anment ot be regauiirea in o writing Boorrowerr anyl Law req or eaarrnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid oa the Funds. Lender shall give to Borrower, without charge,_ar_ annual accounting of the Funda eg required by RON- 64-8WAl farrow Initials &4199 Peas s of 14 Farm 3039 1/01 5K1.764PG4686 Fab-09-2007 04:16pm From- T-676 P.027/066 F-212 If then is a surplus of Ponds held in escrow, as defined under RESPA, Leader shall account to Borrower for the excess funds in accordance with RMP.A. If there is a shortage of Ponds held la c,4,:uw, us dctluW under REVjk, Lender stunt notify borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than 12 monthly payments, If there is a deficiency of Funds held in escrow, as defined under RBSPA. Lender shall notify Borrower as required by RMPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon payment in full of all surhs secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Ch vgovt Lions. Barrvww shall poy all L"cp. AmY+Bamcam, caarges, tins, and impositions Attributable to the Property which can attain priority over thin Security instrument, leasehold payments or ground rents on the Pro gs?nenta, if any. To the extent that theft iif any, and tems are F=row Items, BoAssociation Dues rrower s> all a y them and in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Imtrumueut unless Borrower: (a) agrees to writing to the payment of the obligation secured by the lien in a manner acceptable to Lander. but only so long as Borrower is performing such agreement: (b) eogteta the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's o, Won operate to prevent the enforcement of The Hen while those proceedings are pending, but only until such proceedings are concluded; or (o) secures from the holder of thlion an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a Hen which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Wthin 10 bays of the date on which that notice is given, Borrower shall satisfy the Hen or take one or more of the actions set forth above in this Section 4.. Lender may require Borrower to pay a one-time charge for a real estate sax verification andlor reporting service used by Lander in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards Included within the term "evanded coverage," and any other hazards including, but not limited tn. earthquabea afld floods, for which Londor toquir a tnaurata;c. TL6 "umum hhalt be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subset to Tender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either, (a) a one-time charge for flood zone determination, certification and traokirtg services; or (b) a one-time charge for flood zone determination and certification services and subsequent chants each time remAppinp„ 9 or similar changes occur which reasonably might affeot such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Managerttent Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fada to maintain any of the coverages described above, Lender may obtain Insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. 'T'herefore, such coverage shall cover Lender, but might ar might not protect Borrower, Borrower's equity in the Property, or the contents of ?`61t?N IOD061 IDlllrl: 'S :.n Pq? e u t0 b? d" 'wry Form 3039 itai BKI764PG4687 Fab-00-2007 DOW From- T-676 P.028/066 F-212 the Property, against any risk, ha2ard or liability and might provide than obtained was Previously might sighsign gaifi in effect, Borrower acknowedges that the cost of tthe insuran overage so obtacantly exceed amounts the cost of insurance that Borrower could have obtained, Any disbursed b7 Lender under this Section 5 shall become additional debt of Borrower $wured by this Security Instrument. These amournte shall bear Interest at the Note rate from the .date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, "I include a standard mortgage clause, and shall name Lender as mortgagee andlor as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shelf promptly give to Lender all receipts of paid premiuma and renewal notices, If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage chum and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shell give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower, Unless Lender and Borrower otherwise agree in writing, spy insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security Is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has hali an npporwiti-ty to iaapeat 0016 rmporty t9 VJMWr. Lhu wurk has been eompleteo to Lender's satisfactinn, rrrM*1 Yl rhnt Duck incpectno„ ohaIl be undoctnl.-cq yw+uydr. TAXWGr may alsburse. proceeds for the repalm and restoration in a single payment or in 4 series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be. paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be. paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sume secured by this Security Instrument, whether or not then due, with the excess. if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for In Scotian 2 If Borrower abandons the Property, bender may file, negotiate and settle any available insurance clainn and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The 30^day period will begin when the notice is given. In either event, or if Lender acquires the Property under Seotion 22 or otherwise, Borrower hereby assigns to bender (a) Borrower's rights to any insurance proceeds In an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lander may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Sccurity Instrument, whether or not then due. 6. Occupancy- Borrower shall occupy, establish, and use the Property as Borrower's principal residence within 60 days after the execution of this Security Instrument and shall continue to occupy the property as Borrower's principal residence for at least one year after the 44-6(PA) taooo) Inhlalr. Paso 7 al to Form 3038 Val BKI764PG4688 Feb-08-2007 04:16pm From- T-676 P-020/066 F-212 date of nwitivnnryr, trnlrxa Lender othe?viiv agrees its Writing, which ooraoont shall not t'a unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and protection of the property; Inspections. Borrower shall not destroy, damage or impair the property, allow the property to deteriorate or commit waste on the Property. Whether of not Borrower is residing In the Property, Bairmwer ahatl maintain the Property in nrdolr rn prnvent the property. fram d41tGA*ra4n6r ar dooroo8u46 ;q vaaua curs tv its wurlldun. Uu1= it is desverminea pursuant to boatton ) that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or damage. If Insurance or condemnation proceeds are paid in connection with damage to, or the taking of, the Property. Borrower shall be responsible fnr repairing or restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. If the insuraaca or condemnation proceeds are not sufficient to repair or r aitme the Preire rty. Anrrower is not relisv9d of $arr*wveo obligation for the compivears vt au1.1.1 repair or restoration, - Lender or its agent may make reasonable entries upon and iaspoctions of the Property. If it has reasonable cause, Lander may inspect the ulterior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be in default it during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge -or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan, Matarlal representations include, but are not limited to, representations eoaccrning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Tlnrrnwrr faila to rmwffotm the covencato and agroomantn aosltp;r,Gd in thin Securry Instrument, (b) there is a legal proceedin that might significantly affect Lender's interest in the Proton y andlnr- righrr, nndwr 1`149 Grvr;ty Ino4vment (euoh no o prooooding in Bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws nr regulations), or (c) 13arrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions can include, but are not limited to; (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its Interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy prooeeding. Securing the Property includes, but is not limited w, entering the Property to make repairs, change hacks, replace ar board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off, Although Lender may take action under this Section 9 Lender does not have to do so and is not under any duty or obligation to do no, It is agreed that f;n-der incurs no liability for not tatting any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Dorrowot swutad by tltfs Swurlw Inswucment. These arnnnnta ahafl hwr interest at the Nov rata &fy,-6(PA) tooot» tntslalt ?, ?.a. a .r ie Fpm $038 Voi 11{ 1 764PG46a9 Fab-09-2007 04:17pm From- T-676 P.030/066 F-212 from the date of disbursement and shall be payable, with such interest TO Borrower nquesting payment. upon notice from Lender If this Security hist moray is on a leasehold, Borrower shall Comply with all the provisions of the lease. If Borrower acquires fee title to the property, the leasehold and the fee title shall not merge unless bender agrees to the merger in writing, 10. Mortgage tasurouc-c. If Lender required Mort ale Insurance as a condition of malting the Loan, Borrower eha11 pay the premiums g If, for any reason, the Mart required to maintain the Mortgage Insurance is effect. gage Insurance coverage required by Lander ceases to be available from the mortgage insurer that previously provided such insurance and Borrower tvas required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower xlinll pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance eviously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage sUt+6[anti9t ymequoiv?alent in effect. f,?oiii an alternate. mnetgage inciter euluctod by Y,?„ ,. Zt pay to Lender the amount ofrtgathe e Insurance coverage is not available, Borrower shall continue to covers separately dc?gnated payments that were due when the insurance &e ceased to be in effect. Lender will accept, use and retain these non rdundabte loss • reserve in lieu of Mortgage Insurance. Such loss reserve shall lbe non-refundable, notwithsteading the fact thAt the Loan Is ultimately paid in full, and Lender shall not e required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgx$e Insurance covers c period that Lender requires) provided by an insurer selected cegder (in the eccmtg omes and for the obtained, and Lender requires p?rately daa;gnateA again b available, is 14sirance, it Lender requiror v! lortgage Insurance pays aecondition of p,n? "1° f°, Ma iga and Borrower was requited to make separately designated payments toward the the n and Mortgage Insurance, Borrower shall pay the premiums respired to maintain Mort age ms for in effect, or to provide a non refundable lose reserve, until Lender's requirement Insurance Irisuranae ends in accordance with any written agr between Borrower and set for Mortgage for such termination or until termination is required by e Law. war and Lender providing 10 affects Borrower's obligation to pay interest at the rate prooviided in TheNote, in this Section Mortgage Insurance reimburses Lender (or aV entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed, Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parries that share or modify their risk. or reduce losses, These agreements am on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. 'T'hese agreements may require the mortgage Insurer to make payments using any source of funds that the mor%age insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result ur thc3c agreements, Lender. any purchaser of the Note, another insurer, any reianver, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, In exchange for sharing or modifying the mortgage insurer's nsk, or reducing loam. If such agreement provides that an affiliate of Lender rakes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of tho Loan. Such agrceinmts will not innTANCO. the a,.tount $on;ower will o•,.o rux Murigage Insurance, and they will not Rntitt. Borrovmr tv asxy culvuul. ill respect to thesMortgage Inssu ance u not the Homeowners Frotee ion Act of 1998 or any any C%-Oft) tanoat P++- 0 of 7,1 ???' Farm 3038 1/01 9K ! 764PG4690 Fah-nA-9W fl 07ra Frnm- T-97R P AM ARR F-719 other law. These rights may include the rigght to receive certain disclosures, to request and obtain cancellation of the Mortgage insurance, to have the Mortgage Insurance terminated automatically, andlor to receive, a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds, Forfeiture, All Miscellaneous proceeds are hereby OWUned to and shall be paid to Lender. Fiery is damaged, such Miscellaneous proceeds shall be applied to restoration or repair of the Property, if the restoration or repait is economically feasible and Lender's security is not lessened, During such repair. and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Leader has had an opRortunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Loader may pay for the repairs and restoration in a single disburacmant or in a series of progress payments as the work is completed. Unless an a er writing or Applicable Law requires interest to be ?m?t made shall not be aired to paid on such Miscellaneous Proceeds, Lender l pay Borrower any Interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessoned, the Miscellaneous Proceikk shall be applied to the sums secured by this Security Instrument, whether or not then due, with the azoess it any. paid to Borrower. Such h9sceltaneous Proceeds shall be applied in the order provided for in Section 2 In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Pro in which the fair market value of the Property immediately before the partial tolong, destrucdpn or loss in value is equal to or greater than the amount of the sums secured by this Security Inarument Immediately before the partial taking, destruction, or loss in value, unless Borrower and Lander otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of tha Mlwatlancium Prococda -multiFUW by !im fultuwing traction: (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower. of a mark) t th value of e event the Pro?a taking, destruction, or loss in value of the Property in which the fair party immediately before the partial taking, destruction, or loss in value is loss than the amount of the sums secured immediately before the partial taklagg, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Mismllaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the suns alt then due. It the Property is abandoned by Borrower, or if, after notice by L,egdor To Borrower that the °ppowns ram (ae dotiucd In tt,c neat =tune) otters to mare an award to settle a elatm for damages, Borrower fails to respond to bender within 30 days after the date the notice is given, Lander is authorized to collect and apply the Miscellaneous proceeds either to restoration or re due. pair of the Property or to the scams secured by this Security Instrument, whether or not then party age nest whom Borrower has ea third party that right of action In regard Borrower Miscellaneous eons Proceeds. or the Borrower shall be in default if any action or to Miscellaneous Proceeds. that, in Lender's proceeding, whether civil or ariminal, is begun 7Wgrn=4 could result in forfeiture of 10he Prorty or other ntau.iial impairment of Lender`s interest in the Property or rig is un Security Instrument. Borrower can our* such a default and, if acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Leader's judgment, precludes forfeiture of the Property or other material impairment of Lender's interest in the 42?-GIPAI waogt Inttluat?CL7 Form 3038 1lot 9KI764PG469i Feb-09-2007 04:18pm From- T-676 P.032/066 F-212 Property h rights under this Security Instrument, The proceeds of any award or claim for damages that are attributable to the impairment of L'eader's interest in the Property are hereby assigned and shall be paid to Lender. All MV41111neous proceeds that are not applied to restoration or repair of the property Shall be applied in the order provided for in Section-12. Borrower Not Released; Borbcarance By Lender Not a Waiver. F.xterWon of the time for payment or modification of amortization of the Rumn ,wnrani 'by this Security Instrument granted by Lender to Borrower or say Sucomsor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shalt not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or say Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, L'ender's acceptance of paymonte from third persons, entities or Successors in Interest of .Borrower or In amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any rfghr or remedy. 13. Joint and Several Liability; Co-signer's; Successors and Assigns Bound. Borrower covenants and sprees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co?i?s this Security Iaeuvment but does not execute the Note (a "co rimer") (s1 is co'?ignin thi8 Security Instrument only to interest in the y grant and convey the co-signer's irate led to perty under the terms of this Security Instrument,' (b) is not personally ga pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to Utc terms of this security instrument or the Note without the eo"signer's consent. Subject to the provisions of Section 10, any Successor in Interest of Borrower who assumes Borrower's obligationm under this Security Lanetiment in wAtin&, and is approved by Lander, 0111111 obtain all of Borrower's r g&t* and bcmflts uuvw dsln Bout" jty Ttmtrumcmt. $urruwtsr shall nOL be released from Borrower's obligations. and liability under this Security Instrument unless Lender agrees to such release In writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigas of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrowers default, for the purposa of protecting Leader's interest is the Property and rights under this Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees. In regard to any other fern, the absence of express authority in this Security Instrument to charge it specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is sub, crt to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, thew; (al any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded pumutted limits will be refunded to Borrower. Leader may choose to make this refund by reducing the pdncipat owed under the Note or by making a direct payment to Borrower. If it refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge whether or not a prepayment charge is provided for under the Note), Borrowers acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Leader in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security (MV60A model in{tIV ?' 6 rq. 11 of 10 P?fe-- Forms 3039 1107 BK 1764PG469Z Feb-09-2007 04:19pm From- T-676 P.033/066 F-212 Instrument shall be deemed to have been9,ven to Borrower when mailed by first class mail or when actually delivercd to Borrower's notice addresS if sent by other means. Notice to any out Borrower Shall COWitvte notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower bas designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change Of address. If Lender slrenifsft- a pro Mism.. Mr rotr.6 ing B*",%wPr'c =;;. f address, then Borrower 811811 only sport a change of address through that specified 'there may be only one designated notice addrem under thi: Secur•Ity Instrument at-eery ono timo. Any notice to Lender shall be given by delivering it or by mailing it by first class mall to Lender's address stated herein, unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security ?rumenf. 16. tfoveming Law; SOVerability; Rules of Construetiem. This Security Instrument Shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subjecl; to as limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to ag rob e°pntracor it might be silent, but such silence shall not be construed as a prohibition instrument or the Note conflicts wiitth Applicable l aw, su hlconflict shall not taffe seawitv eother provisions of this Security Instruments or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine ender shall mnn and include corresponding neutcr words or words of the feminine gender; (b) words in the singular shape an, and _ include the plural and vice versa; and (o) the word may gives sole discretion 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for dead, irrtellmesnt calao eontroct or cricrow ngrata=t, the intent of which is the w-ew.stee• ut Liao by Borrower at a future date to a urchaw. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person acrd a beneficial interest in Borrower is sold or transferred) Without Candor's or written consent, Leader may require. Immediate payment in full of all sums secured is 19-188 burityy Instrument. Aph,,ble H Law. owever, B such exercise this option shall not be exercised by tender prohibited b If Lender exercises this option, Lender shall give Borrower notice of acceleration, They notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which BorTOWer must pay all sums secured by this Security Instrument. If Borrowetr fails to pay these sums prior to the expiration of this period, Laneie:r may Invoke any remedies L)peermitted by this Security Instrument without further notice or demand on Borrower. 19. JsOrrowor's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enfareement of this Security Instrument discontinued at any time prior to the earliest of (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the termination of Borrowers right to reinstate; or (c) entry of a judgracnt enforcing this Security Instrument. Those conditions are that Borrower. (a) pays Lender all sums A 9-r- 44-60A) cocoa) lnltlalz:6 J" P'" ?? •? l° ?7?? form 3038 t/Ol BK 1764PG46'93 Fab-09-2007 04:19pm From- T-6T6 P-034/066 F-212 which than would be due under thin Security Instrument and the Note as if no acceleration had occurred: (b) CnrINI Any WAttit of any nth revenants: or agreements, (e) pays all -"nvoe tncurredin entarning this: Smirity Instrumeat, ineludin8, but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lenders interest Ii?n.. the Property and rights Under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's Interest in the Property and rights under this Security Instrument, add Borrower's obligation to pay the sums secured by this Security lumuument, shall continuo uacbangcd. Londcr gray ,cqulto tlsat Dsytaunvi .1y 'muvu reinstatement sume and expenses in one or more of the following forms, as selected by Lender. (a) cash; (b) money order; (c) certified check, bank cheek, tr'easurer's check or cashier's check, provided any such check is drawn upon an institution whose doposils are insured by a federal agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrumtitt and obit atiam secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the ON of acceleration under Section 18. 20. Sale of Note- Change of Low Servicer; Notice of Grievance, The Note or a partial interest in the Nnte etntmhAr with thin R+-curhy Instrument) aaq be cwid one or Mora t6nea without prior notice to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer") that collects Periodic Payments due under the Note and this Socurity Instrument and performs other mortgago loan servicing obligations under She Nuir., Lido Scwuriiy Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note, If there is a change of the Loan 5ervicer, Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer, the address to which payments should be made and any other information RESPA requires in connection with a notice of torn*fr, r of servicing. It th+ Noto in cold and thoreaftor Ilia L*&" is -wrrI9c3 other than the Note, the mortgage servicing obligatis n Boca tower Y ill st remain with the A= Servic or be transferred to a successor Iran Serviicer and are not assumed by the Note purchaser unless otherwise provided by the Nato purchaser. Neither Borrower nor Lender may commence. join, or be joined to any judicial action (as elther an individual litigant or the member of a Class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any pproviainn of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other pay (with such notice given in compliance with the requirements of Section 15) of such alleged 6reaeh and afforded the other party hereto a reasonable period after the giving of m ioh notice to take corrective action. If Applicable Law provides a ume period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this pararph. The notice of acceleration and opportunity to ours given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of thin Section 20. 21. Hazardous $Ubstanees. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances; gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials: (b) "Environmental Law' means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (o) "Environmental Cleanup" includes any res?onse action, remedial action, or removal action, as defined in Environmental Law; and (d) an Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. 61PA1 maces lelttssls: s "q0 13 of to JW-G Form 9099 1101 BKI764PG4694 Feb-08-2007 04:20pm From- T-678 P-036/066 F-212 Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not don nor allow anyone also to do, anything affecting the Property (a) that is In violation of nny Envcroamontal Law, (b) wh;eh areat= an Tunvirciamcaul Condition, or (c) Which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property, The precedir# two sentences shall not apply to the presence, use, or Storage on the Property of small quantities of Hazardous Substances that art generally recognized to be appropriate to formal residential uses and to maintenance of the Property (including, but riot limited to, hazardous substances in consumer produots), Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any j?ooveramentsl or regulatory agency or private party involving the Property and any Hazardous Substance or EnvironmeFnal Law of which Borrower has actual Irmawledge, (b) any Environmental Condition, including but not limited to any to leaki discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or Is motifCed by any governmental or regulatory authority, or any private party, that any removal or othor remediatian of any I?azardovs Substance affoctingg the roper_t?yis neCesssCy. Borrower shall promptly take all necessary rornedial actions in aecordanet with Enviraumental Law. Nothing herein shell create any obligetiom on Leader £or an Environmental Cleanup. NONUNIFORM cOVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lander shall give notice to Borrower prior to acceleration following 10orrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). Lender shall notify Borrower of, among other things: (a) the default; (b) the action required to curs the default; (c) when the default must be cured; and (d) that failure to cure the default as specified may result in acceleration of the sums secured by this Security €a4strument, foreclosure by judicial proceeding and sale of the Property. Lender shall further inforrn Borrower of the right to reinstate after acceleration and the -right to assert in the foreclosure proceeding the non-existence of a default or any other defense of Borrower to acceleration and foreclosure, If the default is not cured as specified. Lender at its option may require imnYediatt payment in full of all sums secured by this Security Instrument without further demand Bad tray foreclose this Security fnetrus"ent by judicial proc"ding. Lender chall be entitled to collect all expanses incurred In pursuing the remedies provided in this Section 22, including. but not limited to.-attorneye". fens- ad costs o€-title evidence to the extent-permitted-by Applicable Law, 23. Release. Upon payment of all sums seoured by this Security Instrument, this Security In=unseat and the eeft a conveyed shall terminate and become void. After such occurrence, Lender shall discharge and satisfy this Security Tr&rument. Borrower shall pay any recordation costs. Lender may charge Borrower a too for rcleasing this,-twurity instrument; but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under Applicable Law, o? pe erro? or defects in °roceedings to oenforce this 5ecur ty Instrument,'a lnd herreby wpm anti m1sx-mAq aives the benefit ur any pre=t, or future taws provlaing for stay of execution, erttmston or tune, exempttan tram attachment, levy and sale, and homestead exernption. InulalcA '; ; ?"6{PIQ toooW p.a. +w .r to I ("- Forth 3089 1101 BK 1764PG4695 Feb-00-2007 04:20pm From- T-676 P.036/066 F-212 ZPA2 25. Reinstatement Period. Borrower's time to reinstate provided in Section 19 shalt extend to one hour F Friar to the commencement of bidding at a sheriff's sale or other sale pursuant to this Security lutrument. 26. Purchasc Money Mortgage. If any of The debt secured by this Security Instrument is lent to Borrower to acquire title to the Property, this Security Instrument shall be a purchase :money morcgage. 27. Interest Rate After 7udement Anrrnwar agrrra thvt the luerwt rate payobla after a j11ri8m?nr 1r entered on the Nota or to e.n action of morrigago forooluAum awl I= tiny race payable from time to time under the Note. BY STONING BELOW, Borrower accepts and agrees to the terms and covenants aoutalned in this Security Instrument and in any Rider executed by Borrower and recorded with it. Witnesses /J (Seal) - RICHARD L, CAMPBELL Borrower (Sea]) -Borrower (Seal) Bormwar (Seal) -Borrower 17 _ (Seal) v -BOrrcwOr LINDA J, tiAMPBELL (Seal) -Borrower (Seal) -Borrower (ML-61Pw (GOOD, pqt 15 of is _ (Seal) Borrower Form 3038 1/01 6K 17f 4PG4696 Feb-09-2007 04:21pm Fru- T-676 P.037/066 F-212 Certif' to of Residen c address o ? tb arced rt . do hereby ca tify that the correct dre P? 3993 AIRWAY DRIVE, SANTA ROSA, CA ad 96403 Witness my hand this 2#` day of _eNk? Ageat of Mw%ftgee COMMONWEALTH OF PEIVNSYLVAN'IA, CUMBERLAND County ss; On this, the ;Z* day of L officer, personally appeared R 1 CHARD L. CAMPBELL, L i NDA J. CAAMMp Erne, the undersigned mown to me (or saddactorlly proves) to be the person(a) whose name(s) islare subscribed to the wirhin instrument and acknowledged that brdshelthey executed the same for the purposes hercirl Contained, IN Wr V'M-RrDP, I l,crauuw set my hand anti OUICL l seal. My Commission Expires: OMOL LTROl(, Notary Public NO C'OnlbBt)attd Onto. CtmlberW d Co. MY Colrunly on El¢ EIM Dec. 27, 2005 4=L-6(PA) imai Title of Officer POUT 1e or to l nip HiJ? Y • N' ?~ +a'+ ."?, fir", •. a?.? ?. •?,. Inltlalsl?. 'Cr ' ^Il- Form 3039 1101 BK 1764PG4697 Feb-09-2007 04:21pm From- F4e,NDL P129,739 1'ARC :f. I: A1.L THAT CERTAIN piece or parcel of land situate in East Pconsboro Township, Cumberland County, Pennsylvania, mom particularly bounded and daoribed ab follows, to wit: UJIGINN1NC al a paint an the wrsiem side of Country Club Road at ilia dividiag sine of Lots A-1 and A-7 on tilt Itcrcinaflcr mentioned Plan of lots; {hence along the western side of Country Club Road, South 55 degrees 59 mirtules 34 seconds East, 148.09 feel to a polnti thence by a curve to the right, having a radius of 215.00 feel an arc length or 117.24 feet to a paint; thence South 24 degrees 45 minutes 2 seconds East, 95,16 feet to a point; thence South 37 degrees 10 minutes 12 seconds West, 195.10 feel to a paint; thence North 46 degrees 36 minutes 7 seconds West, 175.49 feet to a point at the line of Lot A-51; thence along the tine of tot A-51, Noah 39 degrees 45 minutes 50 seconds West. 137.33 fact to a paint at the dividing tine of Lots A-1 and A-2; them along Ole lint of 141 A-2b.North 26 degrees 30 minmcr 45 seconds Fast, 207.65 feet to a point, Hie point and place of BEGINNIN0. 1113ING Lot A-1, on l,re Plan of Puler Land Deve!cpment,•hhusc I, as recorded hl Plan Book 46, Page 4. ALL TIFAT CERTAIN tract of land Irving thereon erected a decorative planter and associated landscaping, situate in Hall Pennsboro Towns!lrp, Cumbedand County. Pconsylvania being located an Lot A-1 a shown an a Subdivision Plan for Peals Land Development. Phase 1, and being more fully bounded and described as follows, to wit: nxGINNMG at a point In Ole wWt (ins of Country Club Road, said point being located South 55 degreot 59 minutes 34 seconds Bast a distance or 149.09 feet from the Saulheast corner of Lot A-2, then= confmu!ng along the weft lino of Country Club Road an a line curving to the right Inaving a radius of 215,00 fat and a are distance of 75.00 fed Sand arc being subitndad by a elmrd of South 45 degrees 59 minutes 58 seconds Past and a length of 74.62 feat to a point; thence c minuing through Lot A•1, the following3 courses and distanccse (1) South 53 degrees 54 minutec 39 seconds West, it distance of 35.00 reef to a pohtt; (2) an a tine curving Io the left having a radius of 190.00 feet acid an arc distance of 62.99 feet said are hems sulstenrled by a chord of North 45 degrees 59 minutes 58 seconds west and a length of 62,d7 feel to a point;' (3) Norllt 34 degrees 00 m!lttncs 26 seconds East a distance, of 35.00 feet to a point, the place of BEGINNING. SAID portion of properly cxwptod and resarved containing 2.411.34 square feet of land. ALL TITAT CERTAIN piece or parent nE nand-slumir, InFiBut Pennsboro'rownstelp, Cutnberiond County, Pennsylvania, mare particularly bounded and described in eeeprdunco with Ole final Subdivision plan for Floribunda Hcichts, Phase It, Section V, prepared by Martin dt Martin, Inc., dated July 13, 1993, slid recorded in Ore office of the Record= of Deeds or Cumberland County in Plan Book 66, Page 113, as fvtiows, to wit; 11WINNWG at a point being the common corner of Lots MI. A-2, A-1 and A-la; thence along Lot A-1. South 38 degrees 45 minutes 50 seconds P.1st, a distance of 137.33 feet to a point; thence South 75 dcgrm 49 minutes 52 seconds West, a distance or 66.94 feet to a paint at the line of Lot A-52; diftlec along said lot, North 38 degteos 45 minutes 50 seconds west, it distance or 81.87 feet 1e a point at tart line of Lot A-41 1; thence along said 101, North 26 dcgr= 50 minutes 45 seconds East, it distance or 66.83 feet to a point, Ilia point and place of BEGINNING. BEING Lot A -1a, on the Subdivision Plan of Plortbunda Heights, Phase 11, tartan V, Recorded in Plan Book 66, Page 11.3. J!Altcn. LA. ALL THAT CERTAIN piece or parcel of land siuuate In Pau Pcru sbom Towcship, Cumberland County, Pennsylvania, more particularly bounded and described as fallawx, to wit: BEGINNING at a point an the western side of Country Club Raad at the dividing line of tots A-2 and A-3 an the hercinallcr menUoncd Plan of Lots; Uterus along lilt westcM Sidi: or CCua:-y 1's,b !!cc,*. -"«t S- 1C1,&; feet to a point at the•line of LA A-1; thence along line of Lot A4, South 24 nepets SO minutes 45 seconds West, 207.6 feet to a point; thence North 38 degrees 45 minutes 50 aecandt Well, 133.74 feet to a point xl the line of Lo! A-3; dience aiung the line of Lot A-3, North 34 dcgtte6 00 minutes 26 seconds East, 166.42 real to a point, the point and place or BEGINNING. USING Lot A-z, on the Plan of Peeler Land Devolopment, Phase f, as recorded In Plan Book 46, Pace 4. ( Certify this to be recorded I . ^ermberland County PA PA3 OK 1764PG4698 Recorder ..1 T-676 P.030/006 F-212 Feb-09-2007 04:21pm From- M74 REGULAR RIDER T-676 P-039/060 F-212 RRRR M74 6921872-663 This rider is made this 24TH day of JUNE , 2002 s and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed (the "Security Instrument") of the same date which Borrower has given to secure Borrower's Note of the same date (the "Note") to WASHINOTON MUTUAL BANK, PA (the "bender"). The Security Instrument covers t11e Property described in it and located at 10 ACCENT CIRCLE, CAMP HILL, PA 17011 Modifications. In addition to the covonants and agreements made in the Security Instrument, the Lender and Borrower further covenant and agree as follows: A CIZANGES AND ADDITIONS TO THE SECU111TY INSrAUMENT AND OTHM RIDERS This Rider mains certain changes and additions to the attached Security Instrument and other Riders. Whenever the terms, conditions and promises contained in the Security Instrument and other Riders differ or are in conflict with this Rider, the provisions of this Rider will control. D. ADDITIONAL CHARGES Notwithstanding anything to the contrary contained in provisions of the Security Instrument, unless applicable law provides otherwise, I agree to pay certain reasonable charges (including any attorney's fees actually incurred by Lander for the review and preparation of documents) associated with the servicing of this loan, including, but not limited to: i) procmirig dishoaored chxks and iusumocc loss payments; li) processing my request for an ownership transfer, partial release, grant of easement, modification and other agreement(s); iii) responding to my request for copies of loan documents and/or a loan payment history; and iv) preparation of an assignment, discharge or satisfaction of Security Instrument. v"rsmn 2.0 (001211921 Page 1 of 2eZ ?. Initials L 170USA 9K ! 764PG46.99 Fab-00-2007 04122pm From- T-676 P-040/060 F-212 C. R EEL VOID IF MORTGAGE SOLD TO FNMA, GNMA, FIMMC, RFC OR sMSC If the Federal National Mortgage Association ("FNMA"), Government National Mortgage Association ("GNMA"), Federal Home Loan Mortgage Corporation ("FIALMC"), ResidenT.W Funding Corporation ("RFC") or Sears Mortgage Securities Corporation ("SMSC") buys all or some of ibe Lender's rights under the Security Instrument and the Nate, the promises and agreements In this Rider will no longer have any force or effect, except those promises-and agreements which are accepted by the purchasing organization. BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained is this Rtgular Witty Sisuasarm. rictn 1 Name; R I CHARD L. CAMp9 [rower Signature-. PRINT-Name; I NDA J. oukri(c Borrower Sitazure; PRINT dame: orrower Signature: PRINT Name: VaNIO" 7.10 (191021971 ]Borrower Page 2 of 2 LA170U56 8K 1 764PG4700 Feb-00-2007 04:22pm From- T-676 P-041/068 F-212 22US ADJUSTABLE RATE RIDER. 5921872-053 M74 (I Year Treasury Index - Rate Caps) U4IS ADJUSTA=RATE RIDER is made this 24TH day of JUNE 2002 and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Security Deed (the "Security Instrument") of the same data given by the, Undersigned (the "Borrower°) to secure Sarrower's Adjustable Rate Note (the "Note") to WASHINGTON MUTUAL, BANK, FA (the "Lender") of the Same date and covering the property described in the Security Instrument and located at: 10 ACCENT CIRCLE CAMP HILL, PA 17011 IPropmy Addra4 THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE ANO THE MONTHLY PAYMENT TMP finTF' I IMITfi THE AMOUNT THE SORROWER'S INTEREST RATE CAN CK NGE AT ANY ONE TIME AND THE MAXIMUM RATE THE BORROWER MUST PAY. ADDITIONAL COVENANTS. In addition to tho covenants and agreements wade in the Security Instrument, Borrower and bander further covenant and agree m follows: A. INTEREST RATE AND MONTHLY PAYMENT CIUNGES The Note provides for an initial interest rate of 5.500 ?. The Note provides for changes in the interest rate and the monthly payments as follows: 4. INTEREST RATE AND MONTELY PAYMENT CHANGES (A) Clinage Dates The interest rate I will pay may change on the first day of JULY 2005 and on that day every 12th month thereafter. Each data on which my interest rate could change is called a "Change Date." MULTISTATE ADJUSTABLE RATE RIDER - ARM 6-2 - Single Family - Fannie Mna/Freddio Mao UNIFORM INSTRUMENT Fannie Mae 4--2/6--2/6-2 ARM -822R (0002) Form 31 Pago 1 of 4 Iaitie ll?I?ll?l u ? I? f ?uli ? I VMPMORTGAGI3PORMS-(le ? EK I 764PG470'1 Feb-00-2007 04:23pm From- T-676 P-042/066 F-212 (B) The Index Beginning with the first Change Date, my interest rate will be based on an Index. The "Index" is the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available try the Federal Reserve Board. The most recent Index figure available as of the date 45 days before eaoh Change Date is called the "Current Index." If the Index is no longer available, the Note Holder will choose a now index which is based upon r:nmrwrahlr Wnrmatinn The MntP T4nldFw m111 4;v,+ mw natir,R of thio rl,ninn, (C) Calculation of Changes Before each Change Date, the Note Holder will calculate my now interest rate by adding TWO AND 75 / 100 percentage points ( 2 , 75 0 %) to the Current Index. The Note Holder will then round the result of this addition to the nearest one-eighth of one percentage point (0.125°0. Subject to the !unite stated In Section 4(D) below, this rounded amount will be my now interest rate until the next Change Date. The Note Holder will than determine the amount of the monthly payment that would be sufficient to repay the unpaid principal that I am expected to owe at the Change Date in full on the Maturity Date at my new interest rate in substantially equal payments. The result of this calculation will be the new amount of my monthly payment, (D) Limits on Interest Rate Changes The interest rate I am required to pay at the first Charge Date will not be greater than 7.500 % or less than 31500 %, Thereafter, ray interest rate will never be increased or decreased on any single Change Date by more than two percentage points (2.0%) from the rate of interest I have been paying for the procoding 12 months, My incest rate will never be greater than 11.600 %. (E) Effective Date of changes My new interest rate will become effective on each Change Date, I will pay the amount of my new monthly payment beginning on the first monthly payment data after the change ]late until the amount of my monthly payment changes again. (F) Notice of Changes The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the amount of my monthly peymcnt before the effective date of any change. The notice will include information required by law to be given to me and also the title and telephone number of a person who will answer any question I may have regarding the. notice, -8129 10000 Paga 2 of 4 Inltielpx? Form 3111 1/01 OK [ 764PG4702 Fab-00-2007 04:23pm From- T-676 P.043/060 F-212 B. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER Section 18 of the Security Instrument is amended to read as follows: Transfer of the Property or a Beneficial Interest in Borrower. As used in this SeCtian ' 18, "Interest in the Property" means any legal or beneficial interest in the including, but. aot 11mitod to, the t?r?aPrtia' ;ntefestA t=nS!PrFm in a'hnnd fnr deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the property is Sold nr tMT1d& red (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender :clay require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lander if such exercise is prohibited by Applicable Law. Lender also shall not exercise this option if: (a) Borrower causes to be submitted to Lender information required by Lender to evaluate the intended transferee as if a new logo were being made to the transferee; and (b) Lender reasonably determines that Lender's security will not be impaired by the loan assumption and that the risk of a breach of any covenant or agreement in this Security Instrument is acceptable to Lender. To the extent permitted by Applicable Law, Lender may charge a reasonable fee as a condition to Lender's consent to the loan assumption. Lender may also require the transferee to sign an assumption agreement that is acceptable to Lender and that obligates the transferee to keep all the promises and agreements made in the Note and in this Security Instrument. Borrower will continue to be obligated under the Note and this Security Instrument unless Lander releases Borrower in writing. If Lender exercises the option to require immediate payment in full, Lander shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notioe is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period. Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. -8228 (OOOb) Tnitfnls: •4''a? Page 3 of 4 Perm .7111 voy aK ! 764PG4703 Feb-09-2007 04;23pm From- , ,.. i,," T-676 P-044/066 F-212 BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained is this Adjustable Rase Rider. (Seal) -Borrower _(Seal) -Borrower (Seat) -BOMWor RICHARD L. CAMPBELL (Seal) -? -Borrower LINDA J. CAMPBELL (Seal) (Seal) -Borrower -Borrower (SW) -Borrower -'8228 (0008) Pega 4 of 4 _ (Seal) -Borrower Form 3111 1/07 BK.'l164PG47*o4 Washington Mutual 0100316272 Mailstop JAYA2031 P.O. Box 44090 Jacksonville, FL 32231-4090 7100 4047 5100 3613 0963 January 2, 2007 LINDA J CAMPBELL 240 N 36TH ST CAMP HILL PA 17011 000078 /PC WE ARE A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICE OF COLLECTION ACTIVITY RE: ACCOUNT # 0100316272 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default and the lender intends to fore to SP=Ific information about the nature of the default i provided in h attached na_geL The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM MAP) may be able to help to ca your home- This Notice explains how the program works. To c if HEMAP an help you must MEET WITH A CONSUMER CREDIT Cot JNSE [Nn . no cy WITHIN 30 DAYS OF THE DATE OF THIS NOTICE- Take h' Notice with you when you meet with the The name. address and phone number of Consumer Credit Counsel g Agencies erving your o mty are li ted a it end or ms M, i v -- you have any Questions you may call the Pennsyly pia Housing Finance Agency toil free at 1 800 42 2397, (Persons th impaired hearing can call (717) 780-1869) This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling 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 rind a lawyer. LA NOTIFICACI,ON 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 ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. PA ACT 91 Pjhl HOMEOWNER'S NAME(S): Linda J. Campbell PROPERTY ADDRESS: 10 Accent Circle Camp Hill PA 17011 LOAN ACCT. NUMBER: 0100316272 ORIGINAL LENDER: CURRENT LENDER/SERVICER: Washington Mutual Bank HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN AVE YOUR HOME FROM FORECLOSURE AND HELP YOU 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 BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, 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 temporary stay 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 one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCI WITHIN THE NEXT l3I11 DAVR_ tF vnrt nn Ur THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT". EXPLAINS HOW Tn RRINr. VntrD KAnD'MAnn UP TO DATE. CONSUMER CREDIT O INS IN AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names address r and telephone numbers of designated consumer credit counseling2gencies for the county in which the propcrty is located are r foes- a ..ti end of this Notice_ It is only necessary to schedule one face-to-face meeting. Advise your lender immediately 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). If you have tried and are unable to resolve this problem with the lender, 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 at the end of this Notice. 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. 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 FORTH 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 very limited. They will be disbursed by the Agency under 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 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 on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy, you can still apply for Emergency Mortgage Assistance.) 00007eicoe26 - HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date) NATURE OF THE. DEFAULT - The MORTGAGE debt held by the above lender on your property located at: 10 Accent Circle Camp Hill PA 17011 IS SERIOUSLY IN DEFAULT BECAUSE: Non-payment A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly Installments: 10/01/2006 $3208.45 11/01/2006 $3208.45 12/01/2006 $3208.45 Other charges (explain/itemize): Uncollected Late Charges $282.05 Uncollected Fees: $0.00 Less Credits $0.00 TOTAL AMOUNT PAST DUE: $9907.4; B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Not applicable): HOW TO 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 LENDER, WHICH IS $9907.4;, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. w=ents must bemad either by cash, cashier's check. certified check, or money order made payable and sent to: Washington Mutual Bank Cash Processing P.O. Box 3200 Milwaukee, WI 53224 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Not applicable): iF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to a l ra h mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately, and you may lose the 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 lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged pro erty. *IF THE MORTGAGE Ic FORECLOSED iPON The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins 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 you, you will have to pay all reasonable attonery's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the defa alt Within the THIRTY (30) DAY period. you will not be required to pay attorney's fees OTHER LENDER REMEDIES - The lender may also sue you personally for the upaid principal balance and all other sums due under the mortgage. PA ACT 91 RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you may still have the right to cure the defa ,lt and prevent the sale at anv times iin tn nna t,,,,,r the lender and by performing any other requirements under h mortgage- Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SAL. DATE - It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately 9 months from the date of this Notice. A notice of the actual date of the Sheriffs 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 lender. HOW TO CONTACT THE LENDER: Name of Lender: Washington Mutual Bank Address: 7255 Baymeadows Way Jacksonville, FL 32256 Phone Number: 866-926-8937 Fax Number: 904-281-3914 Contact Person: Collection Department Email Address: www.wamuhomeloans.com EFFECTS OF SHERIFF'S SALE: - You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it_ If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may or .X 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. • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THE DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO 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 ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY ARE ATTACHED We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. PA ACT 91 Washington Mutual 0100316272 Mailstop JAYA2031 P.O. Box 44090 Jacksonville, FL 32231-4090 7100 4047 5100 3613 0956 January 2, 2007 RICHARD L CAMPBELL 240 N 36TH ST CAMP HILL PA 17011 000077 /PC WE ARE A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICE OF COLLECTION ACTIVITY RE: ACCOUNT # 0100316272 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default and the lender intends to forecli2sr. Specific information about the nature of the default is provided in the attached oa_gg„ The HOMEOWNER'S MORTGAGE ASSISTAN PROGRAM (HE?)may be able to help to save yo ,rt ho L This Notice explains how the program works To see if HFMAp an help- you must MEET WITH A CONSIIMFR CREDIT COUNCFT iNr .??hrr-? S..TL11 30 DAYS OF THE DATE OF THIS NOTICE Tate this Notice with yQu when you meet with the Counseling Age.- The name. address and phone number of Consumer Credit Counseling Agencies serving your County are listed a h na or this Notice. 1t you have any questions, you may call the Pennsylvania Housing Finance gay toil fre l 1-800-342-2392, (Persons with impaired hearing can call (717) 780-1869)- This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling 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 find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. ST NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. PA ACT 91 HOMEOWNER'S NAME(S): Richard L. Campbell PROPERTY ADDRESS: 10 Accent Circle Camp Hill PA 17011 LOAN ACCT. NUMBER: 0100316272 ORIGINAL LENDER: CURRENT LENDER/SERVICER: Washington Mutual Bank HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN AVE YOUR HOME FROM FORECLOSURE AND HELP YOU 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 BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORRri OSURF. - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE- YOU MUST BRIM YOUR MORTGAGE P TO DATE THE PART OF THIS NOTICE ALL "HOW TO RE YOUR MORTGAGE DBFA T" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names addresses and telephone numbers of designated consumer credit counseling ag .n .i . for the county in which the pron. rty is located are set forth a the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately 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). If you have tried and are unable to resolve this problem with the lender, 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 at the end of this Notice. 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. 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 FORTH 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 very limited. They will be disbursed by the Agency under 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 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 on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy, you can still apply for Emergency Mortgage Assistance.) 000077/CO826 HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: 10 Accent Circle Camp Hill PA 17011 IS SERIOUSLY IN DEFAULT BECAUSE: Non-payment A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly Installments: 10/0112006 $3208.45 11/01/2006 $3208.45 12/01/2006 $3208.45 Other charges (explain/itemize): Uncollected Late Charges $282.05 Uncollected Fees: $000 Less Credits $000 TOTAL AMOUNT PAST DUE: $9907.4; B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Not applicable): HOW TO 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 LENDER, WHICH IS $9907.4;, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must mad either by cash cashier's check, certified check, or money order made payable and sent to: Washington Mutual Bank Cash Processing P.O. Box 3200 Milwaukee, WI 53224 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Not applicable): IF YOU DO NOT f i1RE TH . D FAIL T - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender 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 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 lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. NE THE MORT .A . IS FORECLOSED PON The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins 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 you, you will have to pay all reasonable attonery's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not he required to pay attorney's fees. OTHER I..ND .R REMEDIES - The lender may also sue you personally for the upaid principal balance and all other sums due under the mortgage. PA ACT 91 RI =HT TO IRE. THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you may still have the right to cure the default and nrevent the We. at anv time „n to - hn„r the lender and by performing any other requirements under the mortgage Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSRIBi SHERIFFS SA DATE - It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately 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 contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Washington Mutual Bank Address: 7255 Baymeadows Way Jacksonville, FL 32256 Phone Number: 866-926-8937 Fax Number: 904-281-3914 Contact Person: Collection Department Email Address: www.wamuhomeloans.com EFFECTS OF SHERIFF'S SALE: - You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may or -X 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. • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THE DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO 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 ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY ARE ATTACHED We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. PA ACT 91 Z Washington Mutual 0100316272 Mailstop JAXA2031 P.O. Box 44090 Jacksonville, FL 32231-4090 7100 4047 5100 3613 0987 January 2, 2007 LINDA J CAMPBELL 10 ACCENT CIRCLE CAMP HILL PA 17011 000080 /PC WE ARE A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICE OF COLLECTION ACTIVITY RE: ACCOUNT # 0100316272 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgag . on your home is in default, and the lender intends to foreclose Specific information about the nature of the default is provided in the attached na=& The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to hr to save your homy This Notice explains how the program works. To see if HEMAP can help you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency, The name address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice If you have any questions you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397 (-Persons with impaired hearing can call (717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling 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 find a lawyer. 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 ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. PA ACT 91 HOMEOWNER'S NAME(S): Linda J. Campbell PROPERTY ADDRESS: 10 Accent Circle Camp Hill PA 17011 LOAN ACCT. NUMBER: 0100316272 ORIGINAL LENDER: CURRENT LENDER/SERVICER: Washington Mutual Bank HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU 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 BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, 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 temporary stay 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 one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE. NEXT (30) DAYS IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE. YOU MUST BRING YOUR MORTGAGE P TO DATE, THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT". EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AN I S - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses, and telephone numbers ofdesignated consumer credit counseling agencies for the county in which the property is located t forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately 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). If you have tried and are unable to resolve this problem with the lender, 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 at the end of this Notice. 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. 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 FORTH 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 very limited. They will be disbursed by the Agency under 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 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 on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy, you can still apply for Emergency Mortgage Assistance.) 000080X0826 HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date) NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: 10 Accent Circle Camp Hill PA 17011 IS SERIOUSLY IN DEFAULT BECAUSE: Non-payment A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly Installments: 10/01/2006 $3208.45 11/01/2006 $3208.45 12/01/2006 $3208.45 Other charges (explain/itemize): Uncollected Late Charges $282.05 Uncollected Fees: $0.00 Less Credits $0.00 TOTAL AMOUNT PAST DUE: $9907.4; B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Not applicable): HOW TO IRE 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 LENDER, WHICH IS $9907.4;, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments mutt be mad either by cash cashier' check. certified check, or money order made payable and sent to, Washington Mutual Bank Cash Processing P.O. Box 3200 Milwaukee, WI 53224 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Not applicable): IF YOU DO NOT CURE, THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate h mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately, and you may lose the 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 lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged nrouerty. *IF THE MORTGAGE IS FORECLOSED UPON The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins 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 you, you will have to pay all reasonable attonery's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you .r h default within h THIRTY (30) DAY period. you will not be required to pay attorney's fees OTHER LENDER R .M .DI S - The lender may also sue you personally for the upaid principal balance and all other sums due under the mortgage. PA ACT 91 SALF - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you may still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale. You may do so by paying the total amount then past due plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by crforming any other requirements under the mortgage. Curing your default in the manner set forth in this notice 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 Sheriffs Sale of the mortgaged property could be held would be approximately 9 months from the date of this Notice. A notice of the actual date of the Sheriffs 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 lender. HOW TO CONTACT THE LENDER: Name of Lender: Washington Mutual Bank Address: 7255 Baymeadows Way Jacksonville, FL 32256 Phone Number: 866-926-8937 Fax Number: 904-281-3914 Contact Person: Collection Department Email Address: www.wamuhomeloans.com EFFECTS OF SHERIFF'S SALE: - You should realize that a Sheriff's Sale will end your ownership of the mortgaged 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 furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may or X 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 THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THE DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO 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 ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY ARE ATTACHED We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. PA ACT 91 ft Washington Mutual 0100316272 Mailstop JAXA2031 P.O. Box 44090 Jacksonville, FL 32231-4090 7100 4047 5100 3613 0970 January 2, 2007 RICHARD L CAMPBELL 10 ACCENT CIRCLE CAMP HILL PA 17011 000079 lac WE ARE A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICE OF COLLECTION ACTIVITY RE: ACCOUNT # 0100316272 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice the the mortgage on your home is in default, and he lender intends to foreclose. Specific information about the nature of the default is provided in the attached paM The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may he able to help to save your home This Notice explains how the program works To see if HEMAP can help you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name address and phone number of Consumer Credit Counseling Agencies serving your County are listed a the end of this Notice If yQu have any questions, you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397. (Person with impaired hearing can call (717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling 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 find a lawyer. 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 ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. PA ACT 91 HOMEOWNER'S NAME(S): Richard L. Campbell PROPERTY ADDRESS: 10 Accent Circle Camp Hill PA 17011 LOAN ACCT. NUMBER: 0100316272 ORIGINAL LENDER: CURRENT LENDER/SERVICER: Washington Mutual Bank HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU 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 BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, 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 temporary stay 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 one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST O(Y'IR WITHIN THE. NEXT (30) DAYS IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE. YOU MUST BRING YOUR MORTGAGE P TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURB YOUR MORT A DEFAULT". EXPLAINS HOW TO BRING YOUR MnRTGAOF. TO DAT CONSUMER CREDIT COXINSEL.ING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names addresses and telephone numbers of designated consumer cre li counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately 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). If you have tried and are unable to resolve this problem with the lender, 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 at the end of this Notice. 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. 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 FORTH 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 very limited. They will be disbursed by the Agency under 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 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 on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy, you can still apply for Emergency Mortgage Assistance.) 000079icoe26 HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: 10 Accent Circle Camp Hill PA 17011 IS SERIOUSLY IN DEFAULT BECAUSE: Non-payment A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly Installments: 10/01/2006 $3208.45 11/01/2006 $3208.45 12/01/2006 $3208.45 Other charges (explain/itemize): Uncollected Late Charges $282.05 Uncollected Fees: $0.00 Less Credits $0.00 TOTAL AMOUNT PAST DUE: $9907.4; B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Not applicable): HOW TO 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 LENDER, WHICH IS $9907.4;, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash cashier's check, certified check or money order made payable and sent to: Washington Mutual Bank Cash Processing P.O. Box 3200 Milwaukee, WI 53224 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Not applicable): IF YOU DO NOT ('URE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to a 1 ra the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately, and you may lose the 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 lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. *IF THE MORTGAGE IS FORECLOSED UPON The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins 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 you, you will have to pay all reasonable attonery's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY per, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the upaid principal balance and all other sums due under the mortgage. PA ACT 91 !. SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you may still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale You may do so by paving the total amount then past due, plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SH .RIFFS SALE DATE, - It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately 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 contacting the lender. Name of Lender: Washington Mutual Bank Address: 7255 Baymeadows Way Jacksonville, FL 32256 Phone Number: 866-926-8937 Fax Number: 904-281-3914 Contact Person: Collection Department Email Address: www,wamuhomeloans.com EFFECTS OF SHERIFF'S SALE: - You should realize that a Sheriff's Sale will end your ownership of the mortgaged 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 furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may or ,X 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. • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THE DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO 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 ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY ARE ATTACHED We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. PA ACT 91 pppp, X Washington Mutual Bank f/k/a Washington Mutual Bank, FA v. Richard L. Campbell and Linda J. Campbell VERIFICATION The undersigned is Assistant Vice President of Washington Mutual Bank on behalf of Washington Mutual Bank f/k/a Washington Mutual Bank, FA and as such is familiar with the records of said corporation, and being authorized to make this verification on behalf of Plaintiff an officer of the corporation and being authorized to make this verification on behalf of Plaintiff, hereby verifies that the facts set forth in the foregoing Complaint are taken from records maintained by persons supervised by the undersigned who maintain the business records of the Mortgage held by Plaintiff in the ordinary course of business and that those facts are true and correct to the best of the knowledge, information and belief of the undersigned. I UNDERSTAND THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO THE PENALTIES OF PA.C.S. SECTION 4904 RELATING TO UNSWORN FALSIFICATION TO AUTHORITIES. Washington Mutual Bank on behalf of Washington Mutual Bank f/k/a Washington Mutual Bank, FA Date: -? ^ O Name: eis Title: • P Company: ?? Loan:0100316272 07-28846 S??=G??? \ ,? '? r Lr {_V.:L t 4hb IN "THE COURT OF COMMON PLEAS OF CUMBERLAND, PENNSYLVANIA CIVIL DIVISION Washington Mutual Bank f/k/a Washington COURT OF COMMON PLEAS Mutual Bank, FA CUMBERLAND COUNTY PLAINTIFF vs. Richard L. Campbell and Linda J. Campbell DEFENDANT(S) NO: 07-1129 CIVIL TERM SUGGESTION OF DEATH TOPROTHONOTARY: Kindly enter upon the record that, based upon Plaintiffs information, knowledge and belief, Defendant, Linda J. Campbell, is deceased, survived by Richard L. Campbell. 1. A copy of the Social Security Death Index for Linda J. Campbell, was provided to the Plaintiff, a true and correct copy of which is attached hereto, made a part hereof and marked Exhibit "A". >> & KREISMAN, LLC Lauren R. Tabas, Esquire Attorney for Plaintiff Attorney I.D. PA Bar # 93337 3600 Horizon Drive, Suite 150 King of Prussia, PA 19406 (Tel) (610) 278-6800 Ancestry.com - Social Security Death Index f 10 Page 1 of 1 i UPGRADE > € , v WW' r- A__- ------ ancest 3 Welcome, jennaspa Log Out My Account Help Home My Ancestry Search Ancestry Community Learning Center Store Exact Search Results - Social Security Death Index You searched for Linda J. Campbell Refineyouur-sea rch 1 A_ll_Birth Marriage &_Death Results View Name Birth Date Death Date Last Residence Record (City, County, State) View Linda J. Campbell 1 Jul 1947 19 Mar 2007 Record Results per page 10 You are here; Historical Records > Birth, Marriage, & Death > Social Security Death Index "View printer friendly Did Ye Find other people Search the Message Start a tree with Linda Most C Not finding what looking for Linda J. Boards for Linda J. J. Campbell. familie you're looking for? Campbell. Campbell. in the lived ii Learn Refine your search of the Social Security Death Index Ancestry UK I Ancestry CA I Ancestry AU I Ancestry DE I Corporate Info I Affiliate Program I PRIVACY STATEMENT I Contact Us Copyright ® 2007, The Generations Network, Inc. - Terms and Conditions http://search.ancestry.com/cgi-binlsse.dll?rank=0&gsfn=Linda+J.&gsln=Campbell&sx=&f... 7/31/2007 o t -,sue r _ QO y s ?? tt] w of SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-28846 Washington Mutual Bank f/k/a Washington Mutual Bank, FA PLAINTIFF VS. Richard L. Campbell DEFENDANT(S) COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 07-1129 CIVIL TERM CERTIFICATION OF NOTICE TO LIENHOLDERS PURSUANT TO PA R.C.P 3129.2 (C) (2) I, Heather Whitman, Legal Assistant for Shapiro & Kreisman, LLC, attorneys for the Plaintiff, Washington Mutual Bank f/k/a Washington Mutual Bank, FA, hereby certify that Notice of Sale was served on all persons appearing on Exhibit "A" attached hereto, by United States mail, first class, postage prepaid, with Certificates of Mailing on May 8, 2007, the originals of which are attached and that each of said persons appears on Plaintiffs Affidavit pursuant to Pa. R.C.P. 3129.1. The undersigned understands that the statements herein are subject to the penalties provided by 18 P.S. Section 4904. Respectfully submitted, SHAPIRO & KREISMAN, LLC BY: Jkca Heather Whitman Legal Assistant 07-28846 Co N p CD w CL W ? o T N CD 6 G p1 o ? t O ??C N ? K A 7S O V O 3 W 7 9D CD 'O K n 3 L tp r p -. ?? cow r CS N O ~ x O.. O '? ? n 9 ? ^Od J O O r ? ? O fi n ry N W N ?' ? co w a0 ? a a o n"r =n`?w W O 'b ~ r co W r? fT N '> ? fl ? r Hy N ? • a N e 4 ?' N `O n CD w a m Z CA#do y H ?b cm n ? ?' NC, 9 C7D C9 ? e f UNJred m „ ?? 7D W r 0 j$ rn i 941 r o ca ?, o 0 Croi I q ??Q?0 v mm ? nN•2 °-= n o y N, 7 N z CD 3 rJ'1QQO ? V f9 rs ? c C uj ° f7? ? ? ? W f0 A$? N 0 M n ? ro N N ? O .Z O N O ? CD 3 N N !. ? O ID cOro CD C, ro 0 CL. a: O N CADN t wm01 w m m m ? m W G m' m c nro G ? m c I? a 0 ?ro n? O? I O i -n o ro n N N m 0 -n N N T %'a' T ?]]' ?-' t? a y?; ?? a ? ? ,_; ? ? ' ? r ' ? _ ? COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND ISS: I, Robert P. Ziegler, Recorder of Deeds in and for said County and State do hereby certify that the Sheriff's Deed in which Washington Mutual Bank is the grantee the same having been sold to said grantee on the 5th day of Sept A.D., 2007, under and by virtue of a writ Execution issued on the 11th day of April, A.D., 2007, out of the Court of Common Pleas of said County as of Civil Term, 2007 Number 1129, at the suit of Washington Mutual Bank against Richard L Campbell & Linda J is duly recorded as Instrument Number 200737173. IN TESTIMONY WHEREOF, I have hereunto set my hand and seal of said office this day of A.D. of Deeds Of Q6e?, Cun'Wa W County, CWW PA melon ?piree the FW Monfty dJW 2M0 'r Washington Mutual Bank f/k/a Washington In the Court of Common Pleas of Mutual Bank, FA Cumberland County, Pennsylvania VS Writ No. 2007-1129 Civil Term Richard L. Campbell and Linda J. Campbell Richard Smith, Deputy Sheriff, who being duly sworn according to law, states that on June 4, 2007 at 0945 hours, he served a true copy of the within Real Estate Writ, Notice and Description, in the above entitled action, upon the within named defendant, to wit: Richard L. Campbell, by making known unto Richard L. Campbell, personally, at 240 North 36th Street, Camp Hill, Cumberland County, Pennsylvania its contents and at the same time handing to him personally the said true and correct copy of the same. R. Thomas Kline, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant, to wit: Linda J. Campbell, but was unable to locate her in his bailiwick. He therefore returns the within Real Estate Writ, Notice of Sale and Description as NOT FOUND as to the defendant, Linda J. Campbell. Defendant is deceased. Megan Marlow, Deputy Sheriff, who being duly sworn according to law, states that on July 12, 2007 at 1921 hours, she posted a true copy of the within Real Estate Writ, Notice, Poster and Description, in the above entitled action, upon the property of Richard L. Campbell and Linda J. Campbell (Deceased) located at 10 Accent Circle, Camp Hill, Cumberland County, Pennsylvania according to law. R. Thomas Kline, Sheriff, who being duly sworn according to law, states 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 the within named defendant, to wit: Richard L. Campbell, by regular mail to his last known address of 240 North 36th Street, Camp Hill, PA 17011. This letter was mailed under the date of July 2, 2007 and never returned to the Sheriffs Office. R. Thomas Kline, Sheriff, who being duly sworn according to law, states that after due and legal notice had been given according to law, he exposed the within described premises at public venue or outcry at the Courthouse, Carlisle, Cumberland County, Pennsylvania on September 05, 2007 at 10:00 o'clock A.M. He sold the same for the sum of $1.00 to Attorney Lauren R. Tabas, on behalf of Washington Mutual Bank. It being the highest bid and best price received for the same, Washington Mutual Bank of 11200 West Parkland Avenue, Milwaukee, WI 53224, being the buyer in this execution, paid to Sheriff R. Thomas Kline the sum of $2,161.51. Sheriff s Costs: Docketing $30.00 Poundage 42.38 Posting Bills 45.00 Advertising 45.00 Acknowledging Deed 48.00 Auctioneer Law Library Prothonotary Mileage Levy Surcharge Law Journal Patriot News Share of Bills Distribution of Proceeds Sheriff s Deed So Answers: 10.00 .50 2.00 27.84 45.00 50.00 959.00 776.60 15.69 25.00 39.50 $2,161.51 -"'Ia fiolo-7 % <f?- R. Thomas Kline, Sheriff BY P, Real Estate ergeant ?.5 C,ti Ga y? ? ??,/99331 SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar ## 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-28846 Washington Mutual Bank f/k/a Washington Mutual Bank, FA PLAINTIFF VS. Richard L. Campbell and Linda J. Campbell DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 07-1129 CIVIL TERM AFFIDAVIT PURSUANT TO RULE 3129.1 Washington Mutual Bank f/k/a Washington Mutual Bank, FA, 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 10 Accent Circle, Camp Hill, PA 17011. 1 2 3. Name and address of Owners or Reputed Owners Richard L. Campbell 240 North 36th Street Camp Hill, PA 17011 Linda J. Campbell 240 North 36th Street Camp Hill, PA 17011 Name and address of Defendants in the judgment: Richard L. Campbell 240 North 36th Street Camp Hill, PA 17011 Linda J. Campbell 240 North 36th Street Camp Hill, PA 17011 Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: Washington Mutual Bank f/k/a Washington Mutual Bank, FA 11200 West Parkland Avenue Milwaukee, WI 53224 Integrity Bank 3345 Market St. Camp Hill, PA 17011 Commonwealth of PA Department of Revenue #280946 Bureau of Compliance Harrisburg, PA 17128-0946 4. Name and address of the last recorded holder of every mortgage of record: Washington Mutual Bank Wa Washington Mutual Bank, FA, Plaintiff 11200 West Parkland Avenue Milwaukee, WI 53224 Washington Mutual Bank 3883 Airway Dr. Santa Rosa, CA 95403 5. Name and address of every other person who has any record lien on the property: NONE 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Cumberland County Domestic Relations 13 North Hanover Street Carlisle, PA 17013 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: TENANT OR OCCUPANT 10 Accent Circle Camp Hill, PA 17011 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 unworn falsification to authorities. SHAVIRO,& KREISMAN, LLC r R. Tabas, Esquire 07-28846 SHAPIRO & KREISMAN; LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-28846 Washington Mutual Bank f/k/a Washington COURT OF COMMON PLEAS Mutual Bank, FA CUMBERLAND COUNTY PLAINTIFF VS. NO: 07-1129 CIVIL TERM Richard L. Campbell and Linda J. Campbell ; DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Richard L. Campbell 240 North 36th Street Camp Hill, PA 17011 Your house (real estate) at: 10 Accent Circle, Camp Hill, PA 17011 09-18-1308-050 is scheduled to be sold at Sheriffs Sale on September 5, 2007 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at 10:00am, to enforce the courtjudgment of $358,633.02 obtained by Washington Mutual Bank f/k/a Washington Mutual Bank, FA against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: -- 1. The sale will be cancelled if you pay back to Washington Mutual Bank f/k/a Washington Mutual Bank, FA the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (610) 278-6800. 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 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 more chance you will have of stopping the sale. (See notice on page two of 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. 4. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610) 278-6800. 5. 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. 6. 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 717-240-6390. 7. 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. 8. 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. 9. 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 no later than thirty (30) days from the date of the sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 10. 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 LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 07-28846 PARCEL l: ALL THAT CERTAIN piece or parcel of land situate in East Pennsboro Township, Cumberland County, Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a point on the Western side of County Club Road at the dividing line of Lots A- 1 and A-2 on the hereinafter mentioned Plan of Lots; thence along the Western side of Country Club Road, South 55 degrees 59 minutes 34 seconds East, 148.09 feet to a point; thence by a curve to the right, having a radius of 215.00 feet an arc length of 117.24 feet to a point; thence South 24 degrees 45 minutes 2 seconds East, 95.16 feet to a point; thence South 37 degrees 10 minutes 12 seconds West, 195.10 feet to a point; thence North 46 degrees 36 minutes 7 seconds West, 175.49 feet to a point at the line of Lot A-51; thence along the line of Lot A-51, North 38 degrees 45 minutes 50 seconds West; 137.33 feet to a point at the dividing line of Lots A-1 and A-2; thence along the line of Lot A-2, North 26 degrees 50 minutes 45 seconds East, 207.65 feet to a point, the point and place of BEGINNING. BEING Lot A-1, on the Plan of Pealer Land Development, Phase I, as recorded in Plan Book 46, Page 4. ALL THAT CERTAIN tract of land having thereon erected a decorative planter and associated landscaping, situate in East Pennsboro Township, Cumberland County, Pennsylvania being located on Lot A-1 as shown on a Subdivision Plan for Pealer Land Development, Phase I, and being more fully bounded and described as follows, to wit: BEGINNING at a point in the West line of Country Club Road, said point being located South. 55 degrees 59 minutes 34 seconds East a distance of 148.09 feet from the Southeast corner of Lot A-2, thence continuing along the West line of Country Club Road on a line curving to the right having a radius of 215.00 feet and an arc distance of 75.00 feet said arc being subtended by a chord of South 45 degrees 59 minutes 58 seconds East and a length of 74.62 feet to a point; thence continuing through Lot A-1, the following 3 courses and distances: (1) South 53 degrees 59 minutes 39 seconds West, a distance of 35.00 feet to a point; (2) on a line curving to the left having a radius of 180.00 feet and an arc distance of 62.79 feet said arc being subtended by a chord on North 45 degrees 59 minutes 58 seconds West and a length of 62.47 feet to a point; (3) North 34 degrees 00 minutes 26 seconds East a distance of 35.00 feet to a point, the place of BEGINNING. SAID portion of property excepted and reserved containing 2,411.34 square feet of land. PARCEL 2: ALL THAT CERTAIN piece or parcel of land situate in East Pennsboro Township, Cumberland County, Pennsylvania, more particularly bounded and described in accordance with the Final Subdivision Plan for Floribunda Heights, Phase II, Section V, prepared by Martin & Martin, Inc., dated July 13, 1993, and recorded in the Office of the Recorder of Deeds of Cumberland County in Plan Book 66, Page 113, as follows, to wit: f BEGINNING at a point being the common corner of Lots A-51, A-2, A-1 and A-la; thence along Lot A-1, South 38 degrees 45 minutes 50 seconds East, a distance of 137.33 feet to a point; thence South 75 degrees 49 minutes 52 seconds West, a distance of 66.94 feet to a point at the line of Lot-A52; thence along said Lot, North 38 degrees 45 minutes 50 seconds West, a distance of 81.87 feet to a point at the line of Lot A-51; thence along said Lot, North 26 degrees 50 minutes 45 seconds East, a distance of 66.83 feet to a point, the point and place of BEGINNING. BEING Lot A-la, on the Subdivision Plan of Floribunda Heights, Phase II, Section V, Recorded in Plan Book 66, Page 113. PARCEL 3: ALL THAT CERTAIN piece or parcel of land situate in East Pennsboro Township, Cumberland County, Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a point on the Western side of Country Club Road at the dividing line of Lots A-2 and A-3 on the hereinafter mentioned Plan of Lots; thence along the Western side of Country Club Road, South 55 degrees 59 minutes 34 seconds East, 101.85 feet to a point at the line of Lot A-1; thence along line of Lot A-1, South 26 degrees 50 minutes 45 seconds West, 207.65 feet to a point; thence North 38 degrees 45 minutes 50 seconds West, 133.74 feet to a point at the line of Lot A-3; thence along the line of Lot A-3, North 34 degrees 00 minutes 26 seconds East, 166.42 feet to a point, the point and place of BEGINNING. BEING Lot A-2, on the Plan of Pealer Land Development, Phase I, as recorded in Plan Book 46, page 4. BEING the same premises which Richard L. Campbell and Linda J. Campbell, his wife, by Deed dated April 6, 1995 and recorded in the Cumberland County Recorder of Deeds Office on April 11, 1995 in Deed Book 120, page 946, granted and conveyed unto Richard L. Campbell and Linda J. Campbell, husband and wife. SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-28846 Washington Mutual Bank f/k/a Washington COURT OF COMMON PLEAS Mutual Bank, FA CUMBERLAND COUNTY PLAINTIFF vs. NO: 07-1129 CIVIL TERM Richard L. Campbell and Linda J. Campbell DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Linda J. Campbell 240 North 36th Street Camp Hill, PA 17011 Your house (real estate) at: 10 Accent Circle, Camp Hill, PA 17011 09-18-1308-050 is scheduled to be sold at Sheriffs Sale on September 5, 2007 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at 10:00am, to enforce the court judgment of $358,633.02 obtained by Washington Mutual Bank f/k/a Washington Mutual Bank, FA against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to Washington Mutual Bank f/k/a Washington Mutual Bank, FA the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (610) 278-6800. 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 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 more chance you will have of stopping the sale. (See notice on page two of 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. 4. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610) 278-6800. 5. 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. 6. f 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 717-240-6390. 7. 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. 8. 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. 9. 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 no later than thirty (30) days from the date of the sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 10. 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 LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 07-28846 r r h . PARCEL 1: ALL THAT CERTAIN piece or parcel of land situate in East Pennsboro Township, Cumberland County, Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a point on the Western side of County Club Road at the dividing line of Lots A- 1 and A-2 on the hereinafter mentioned Plan of Lots; thence along the Western side of Country Club Road, South 55 degrees 59 minutes 34 seconds East, 148.09 feet to a point; thence by a curve to the right, having a radius of 215.00 feet an arc length of 117.24 feet to a point; thence South 24 degrees 45 minutes 2 seconds East, 95.16 feet to a point; thence South 37 degrees 10 minutes 12 seconds West, 195.10 feet to a point; thence North 46 degrees 36 minutes 7 seconds West, 175.49 feet to a point at the line of Lot A-51; thence along the line of Lot A-51, North 38 degrees 45 minutes 50 seconds West; 137.33 feet to a point at the dividing line of Lots A-1 and A-2; thence along the line of Lot A-2, North 26 degrees 50 minutes 45 seconds East, 207.65 feet to a point, the point and place of BEGINNING. BEING Lot A-1, on the Plan of Pealer Land Development, Phase I, as recorded in Plan Book 46, Page 4. ALL THAT CERTAIN tract of land having thereon erected a decorative planter and associated landscaping, situate in East Pennsboro Township, Cumberland County, Pennsylvania being located on Lot A-1 as shown on a Subdivision Plan for Pealer Land Development, Phase I, and being more fully bounded and described as follows, to wit: BEGINNING at a point in the West line of Country Club Road, said point being located South 55 degrees 59 minutes 34 seconds East a distance of 148.09 feet from the Southeast corner of Lot A-2, thence continuing along the West line of Country Club Road on a line curving to the right having a radius of 215.00 feet and an arc distance of 75.00 feet said arc being subtended by a chord of South 45 degrees 59 minutes 58 seconds East and a length of 74.62 feet to a point; thence continuing through Lot A-1, the following 3 courses and distances: (1) South 53 degrees 59 minutes 39 seconds West, a distance of 35.00 feet to a point; (2) on a line curving to the left. having a radius of 180.00 feet and an arc distance of 62.79 feet said arc being subtended by a chord on North 45 degrees 59 minutes 58 seconds West and a length of 62.47 feet to a point; (3) North 34 degrees 00 minutes 26 seconds East a distance of 35.00 feet to a point, the place of BEGINNING. SAID portion of property excepted and reserved containing 2,411.34 square feet of land. PARCEL 2: ALL THAT CERTAIN piece or parcel of land situate in East Pennsboro Township, Cumberland County, Pennsylvania, more particularly bounded and described in accordance with the Final Subdivision Plan for Floribunda Heights, Phase 11, Section V, prepared by Martin & Martin, Inc., dated July 13, 1993, and recorded in the Office of the Recorder of Deeds of Cumberland County in Plan Book 66, Page 113, as follows, to wit: e i ' - M BEGINNING at a point being the common comer of Lots A-51, A-2, A-1 and A-1 a; thence along Lot A-1, South 38 degrees 45 minutes 50 seconds East, a distance of 137.33 feet to a point; thence South 75 degrees 49 minutes 52 seconds West, a distance of 66.94 feet to a point at the line of Lot-A52; thence along said Lot, North 38 degrees 45 minutes 50 seconds West, a distance of 81.87 feet to a point at the line of Lot A-51; thence along said Lot, North 26 degrees 50 minutes 45 seconds East, a distance of 66.83 feet to a point, the point and place of BEGINNING. BEING Lot A-1 a, on the Subdivision Plan of Floribunda Heights, Phase 11, Section V, Recorded in Plan Book 66, Page 113. PARCEL 3: ALL THAT CERTAIN piece or parcel of land situate in East Pennsboro Township, Cumberland County, Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a point on the Western side of Country Club Road at the dividing line of Lots A-2 and A-3 on the hereinafter mentioned Plan of Lots; thence along the Western side of Country Club Road, South 55 degrees 59 minutes 34 seconds East, 101.85 feet to a point at the line of Lot A-1; thence along line of Lot A-1, South 26 degrees 50 minutes 45 seconds West, 207.65 feet to a point; thence North 38 degrees 45 minutes 50 seconds West, 133.74 feet to a point at the line of Lot A-3; thence along the line of Lot A-3, North 34 degrees 00 minutes 26 seconds East, 166.42 feet to a point, the point and place of BEGINNING. BEING Lot A-2, on the Plan of Pealer Land Development, Phase I, as recorded in Plan Book 46, page 4. BEING the same premises which Richard L. Campbell and Linda J. Campbell, his wife, by Deed dated April 6, 1995 and recorded in the Cumberland County Recorder of Deeds Office on April 11, 1995 in Deed Book 120, page 946, granted and conveyed unto Richard L. Campbell and Linda J. Campbell, husband and wife. WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO 07-1129 Civil COUNTY OF CUMBERLAND) CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due WASHINGTON MUTUAL BANK F/K/A WASHINGTON MUTUAL BANK FA, Plaintiff (s) From RICHARD L. CAMPBELL AND LINDA J. CAMPBELL (1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION. (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $358,633.02 L.L. $.50 Interest 4/11/07 TO 9/5/07 IS $11,270.20 Atty's Comm % Due Prothy $2.00 Atty Paid $189.80 Other Costs Plaintiff Paid Date: APRIL 11, 2007 (Seal) el", -C - C s R. Long, P on Lary By: Deputy REQUESTING PARTY: Name LAUREN R. TABAS, ESQUIRE Address: 3600 HORIZON DRIVE, STE. 150 KING OF PRUSSIA, PA 19406 Attorney for: PLAINTIFF Telephone: 610-278-6800 Supreme Court ID No. 93337 t` Real Estate Sale # 31 On May 8, 2007 the Sheriff levied upon the defendant's interest in the real property situated in East Pennsboro Township, Cumberland County, PA Known and numbered as 10 Accent Circle, Camp Hill, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: May 8, 2007 By: Real Estate9 Sergeant 3 I .E ? Z c1l' k/ L6,01 # ', V% THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} ss Shannon D. Billhime, being duly sworn according to law, deposes and says: That she is a Staff Accountant with 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 Patriot- 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, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/ Metro editions which appeared in the 18th and 25th day(s) of July and the 1st day(s) of August 2007. That neither he nor said Company is interested in the subject matter 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 Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book "M", Volume 14, Page 317. PUBLICATION COPY SALE #31 Sworn to and subscribed,be, AipypR,QA7 .A.D. I Notarial Seal Terry L. Russeii, Notary Public Ciy Of Harrisburg, Dauphin County Com ' ion Expires June 6, 2010 Me ber: P yi"INa. 4ss0CiFtinn of Notarrc NO Y PUBLIC CUMBERLAND COUNTY SHERIFF'S OFFICE CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA. 17013 4 ? PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND ss. Lisa Marie Coyne, 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, viz: July 20, July 27, and August 3, 2007 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. -? 21? Lis arie Coyne, itor SWORN TO AND SUBSCRIBED before me this 3 day of August, 2007 Notary NOINN L SEAL DEBORAH A COLUNS CARLISLE emkmy Public MV CortunWi M EXP1ftApr 28, 2010 in" I REAL ESTATE SALE NO. 31 Writ No. 2007-1129 Civil Washington Mutual Bank f/k/a Washington Mutual Bank, FA vs. Richard L. Campbell and Linda J. Campbell Atty.: Lauren Tabas DESCRIPTION PARCEL 1: ALL THAT CERTAIN piece or par- cel of land situate in East Pennsboro Township, Cumberland County, Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a point on the Western side of County Club Road at the dividing line of Lots A-1 and A-2 on the hereinafter mentioned Plan of Lots; thence along the Western side of Country Club Road, South 55 degrees 59 minutes 34 seconds East, 148.09 feet to a point; thence by a curve to the right, ham a ra- dius of 215.00 feet an arc length of 117.24 feet to a point, thence South 24 degrees 45 minutes 2 seconds East, 95.16 feet to a point; thence South 37 degrees 10 minutes 12 seconds West, 195.10 feet to a point; thence North 46 degrees 36 minutes 7 seconds West, 175.49 feet to a point at the line of Lot A-51; thence along the line of Lot A-51, North 38 degrees 45 minutes 50 seconds West; 137.33 feet to a point at the dividing line of Lots A-1 and A-2; thence along the line of Lot A-2, North 26 degrees 50 minutes 45 seconds East, 207.65 feet to a point, the point and place of BEGINNING. BEING Lot A-1, on the Plan of Pealer Land Development, Phase I, as recorded in Plan Book 46, Page 4. ALL THAT CERTAIN tract of land having thereon erected a decorative planter and associated landscaping, situate in East Pennsboro Township, Cumberland County, Pennsylvania being located on Lot A-1 as shown on a Subdivision Plan for Pealer Land Development, Phase I, and being more fully bounded and described as follows, to wit: BEGINNING at a point in the West line of Country Club Road, said point being located South 55 degrees 59 minutes 34 seconds East a distance of 148.09 feet from the Southeast corner of Lot A-2, thence continuing along the West line of Country Club Road on a line curving to the right having a radius of 215.00 feet and an arc distance of 75.00 feet said arc be- ing subtended by a chord of South 45 degrees 59 minutes 58 seconds East and a length of 74.62 feet to a point; thence continuing through Lot A-1, the following 3 courses and distanc- es: (1) South 53 degrees 59 minutes 39 seconds West, a distance of 35.00 ,. , . feet to a point; (2) on a line curving to the left having a radius of 180.00 feet and an arc distance of 62.79 feet said arc being subtended by a chord on North 45 degrees 59 minutes 58 seconds West and a length of 62.47 feet to a point; (3) North 34 degrees 00 minutes 26 seconds East a dis- tance of 35.00 feet to a point, the place of BEGINNING. PARCEL 2: ALL THAT CERTAIN piece or par- cel of land situate in East Pennsboro Township, Cumberland County, Pennsylvania, more particularly bounded and described in accor- dance with the Final Subdivision Plan for Floribunda Heights, Phase II, Section V, prepared by Martin & Martin, Inc., dated July 13, 1993, and recorded in the Office of the Recorder of Deeds of Cumberland County in Plan Book 66, Page 113, as follows, to wit: BEGINNING at a point being the common corner of Lots A-51, A-2, A-1 and A-1 a; thence along Lot A-1, South 38 degrees 45 minutes 50 sec- onds East, 'a distance of 137.33 feet to a point; thence South 75 degrees 49 minutes 52 seconds West, a dis- tance of 66.94 feet to a point at the line of Lot-A52; thence along said Lot, North 38 degrees 45 minutes 50 sec- onds West, a distance of 81.87 feet to a point at the line of Lot A-51; thence along said Lot, North 26 degrees 50 minutes 45 seconds East, a distance of 66.83 feet to a point, the point and place of BEGINNING. BEING Lot A-la, on the Subdi- vision Plan of Floribunda Heights, Phase II, Section V, Recorded in Plan Book 66, Page 113. PARCEL 3: ALL THAT CERTAIN piece or par- cel of land situate in East Pennsboro Township, Cumberland County, Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a point on the Western side of Country Club Road at the dividing line of Lots A-2 and A-3 on the hereinafter mentioned Plan of Lots; thence along the Western side of Country Club Re", South 55 degrees 59 minutes 34 seconds East, 101.85 feet to a point at the line of Lot A-1; thence along line of Lot A-1, South 26 degrees 50 minutes 45 seconds West, 207.65 feet to a point; thence North 38 degrees 45 minutes 50 seconds West, 133.74 feet to a point at the line of Lot A-3; thence along the line of Lot A-3, North 34 degrees 00 minutes 26 seconds East, 166.42 feet to a point, the point and place of BEGINNING. BEING Lot A-2, on the Plan of Pealer Land Development, Phase I, as recorded in Plan Book 46, page 4. BEING the same premises which Richard L. Campbell and Linda J. Campbell, his wife, by Deed dated April 6, 1995 and recorded in the Cumberland County Recorder of Deeds Office on April 11, 1995 in Deed Book 120, page 946, granted and conveyed unto Richard L Camp- bell and Linda J. Campbell, husband and wife.