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FEDERMAN AND PHELAN By: FRANK FEDERMAN, ESQUIRE IDENTIFICATION NO. 12248 TWO PENN CENTER PLAZA, SUITE 900 PHILADELPHIA, PA 19102 (2151 563-7000 PHH US MORTGAGE CORPORATION 600 ATRIUM WAY MT. LAUREL, NJ 08054 Plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION v. TERM NO. q7 . 5~~S- t.~J de'rH. CUMBERLAND COUNTY JERRY L. MILLER SHELLY J. WETZEL 1188 NEWVILLE ROAD CARLISLE, PA 17013 Defendant(s) CIVIL ACTION - LAW MORTGAGE FORECLOSURE NOTICE THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 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 00 NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY COURT ADMINISTRATOR 4TH FLOOR CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA 17013 (717) 240-6200 1. Plaintiff is PHH US MORTGAGE CORPORATION 600 ATRIUM WAY MT. LAUREL, NJ 08054 2. The name(s) and last known addressees) of the Defendant(s) are JERRY L. MILLER SHELLY J. WETZEL 1188 NEWVILLE ROAD CARLISLE, PA 17013 who is/are the real owner(s) of the property hereinafter described. 3. On 10/13/93, ALETHIA R. MILLER and MARY M. NICOLL made, executed and delivered a mortgage upon the premises hereinafter described to PLAINTIFF which mortgage is recorded in the Office of the Recorder of CUMBERLAND County, in Mortgage Book No. 1171, Page 457. 4. The premises subject to said mortgage is described as attached. 5. The mortgage is in default because monthly payments of principal and interest upon said mortgage due 4/1/97 and each month thereafter are due and unpaid, and by the terms of said mortgage, upon failure of mortgagor to make such payments after a date specified by written notice sent to Mortgagor, the entire principal balance and all interest due thereon are collectible forthwith. A copy of such notice is attached as Exhibit "A." PlANK PlDDWAN LAW'UNCI T, I'N!LAH MAIOLD N. lAI'I..AJrf- IOAH p, DOOSK'r ..... Co auo UIKI:A L WOODIIDI tIIl.D t. .vIDA- I'IAHCII. RALUNAH" DIoHIn O. Jc:.1INIIO 1'IttNAI 4. IAMX. 1IIDMAI N. ~ WlCKBU W. HADPOaD IOIIMAlm DIA~ D.umu...LI c:.ucA11NO" LIlA 1)'.ucJII~ .AD..,.,.D IN'.4 AND NJ -1I&f/I JIltS" IlANADINO ,..",.. LAwomcu FEDERMAN AND PHELAN SIIInI'" TWO """ aN'TII Pl.AtA PHJt.ADIU.PHlA, '" I,UJt.I1tt l"I)J6)o"'" 'AX 12m teJ.",. tlUCOPfII , mn so.JS'" IAHIQIUPI'CY 11LICOPIII (211) "''1'1' WIlD... omaI lit] NOWT1t HmUION IlCIDtA, PA ItoQ nU)_I.."U IIIW lIUIY omaI SIIInIIGS -..Vomal PLA%4 216 HAODON "YIHUI 'WII'1NONT. HIW lORY IMI. 11IUtCOPf1l1 , (609) UI-9oI61 TMII N011C8 IS nNT TO YOU Of AN "TTDCPT 10 cou.acr 1MB IHDDTlDHB.U DRUID 10 HIIIIIIN ANOAHY INPOAMAT1ONOBTo\JNBD"OI4 YOU WTLL II UI8D POI nlAT PUlPOII. ~"'" DONALD It OOOONAH August 27, 1997 Jerry L. Miller 1188 Newville Road Carlisle, PA 17013 Shelly J. Wetzel 1188 Newville Road Carlisle, PA 17013 Re: Premises: Loan No.: 1188 Newville Rd., Car.lisle, PA 17013 4298725 NOTICE OF INTENTION TO FORECLOSE We represent PHH Mortgage services, the holder of the Mortgage on the above-referenced premises, who hereby advises that it will accelerate your Mortgage (demand payment in full) and pursue the foreclosure remedies permitted by the mortgage unless your loan delinquencies are cured as provided below. THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PurtPOSE. You may dispute the validity of the debt or any portion thereof. If you do so in writing within thirty (30) days of receipt of this letter, this firm will obtain and provide you with written verification thereof: otherwise, the debt will be assumed to be valid. Likewise, you may request the name and address of the original creditor if different from above. The total delinquency, including late and other charges is $2,997.48 for the months of 4/1/97 through 8/1/97. Your failure to pay the delinquent amount, plus any additional monthly payment and late and other charges (including any accrued interest) that may come due within the next thirty (30) days, will result in the acceleration of all sums due under your Mortgage. After acceleration occurs, a foreclosure action or any other remedy permitted by your mortgage may be instituted. To avoid the acceleration of your mortgage and subsequent EXHIBIT "A" foreclosure action, the delinquency mentioned above and any accrual thereto must be paid by CERTIPIED CHECK OR MONEY ORDER and received in our offices at Suite 900, Two Penn Center Plaza, Philadelphia, PA 19102, in or before thirty (30) days from the date of this letter. Please call (215) 563-7000 for the exact amount required. You have the right to reinstate your mortgage after acceleration by fulfilling the conditions stated in your mortgage pertaining to such reinstatement. You may call our office to discuss these conditions. , Any future' negotiations attempting to reinstate your loan or acceptance of any payment less than the full amount due shall not constitute a waiver by the mortgage holder of the acceleration unless agreed to in writing by the mortgage holder. You have the right to assert in the foreclosure proceedings the non-existence of a default or any other defense to acceleration and foreclosure. Very truly yours, FED~N AND PHELAN By:r~-~ Frank Federman FF:mtm cc: PHH Mortgage services, Mt. Laurel, NJ Attn: Jodith Gallagher Loan No.: 4298725 EXHIBIT "A" ~. ^ .,'" ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTIC~ IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. The Commonwealth of Pennsylvania's Homeowner's Emergency Mortgage Assistance Program may be able to help you. Read the following notice to find out how the program works. If you need more information call the Pennsylvania Housing Finance Agency at 1(800) 342-2397. 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 traduce ion immediatamente llamanda 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. ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS Date: August 27, 1997 RE: Account No. 4298725 Premises: 1188 Newville Rd., carlisle, PA 17013 TO: Jerry L. Miller 1188 Newville Road Carlisle, PA 17013 Shelly J. Wetzel 1188 Newville Road Carlisle, PA 17013 FROM: Federman and Phelan, attorney for PHH Mortgage Services You may be eligible for financial assistance that vill prevent foreclosure on your mortgage if you comply vith the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Act"). You may be eligible for emergency temporary assistance if your default has been caused by circumstances beyond your control, you have a reasonable prospect of resuming your mortgage payments, and if you meet other eligibility requirements established by the Pennsylvania Housing Finance Agency. P1~ase read all of this Notice. It contains an explanation of your rights. EXHIBIT "8" ,. , i Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thiruy (30) days from the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with a representative of this lAnder, or with a designated consumer credit counseling agency. The purpose of this meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency. This meeting must occur in the next (30) days. If you attend a face-to-face meeting with this lender, or with a consumer credit counseling agency identified in this notice, no further proceeding in mortgage foreclosure may take place for thirty (30) days after the date of this meeting. As representative of the mortgage holder, our name and address is: PBDImMAN AND PHELAN, SUITE 900, TWO PENH CENTER PLAZA, PHILADELPHIA, PA 19102: Telephone Number: (215) 563-7000. The names and address of designated consumer credit counseling agencies are shown on the attached sheet. It is only necessary to schedule one face-to-face meeting. You should advise this lender immediately of your intentions. Your mortgage is in default because you failed to pay promptly installments of principal and interest, as required, for a period of at least sixty (60) days. The total amount of the delinquency is $2,997.48. That sum includes the following: Total of monthly payments from 4/1/97 to 8/1/97 including all accrued late charges, if any: $2,997.48 property inspections and NSF check charges, if any: 0.00 other charges accrued, if any: Q..&.ll. LESS: Suspense (unapplied funds): -0.00 TOTAL AMOUNT OF DELINQUENCY: $2,997.48 Your mortgage is also in default for the following reasons: N/A . If you have tried and are unable to resolve this problem at or after your face-to-face meeting, you have the right to apply for financial assistance from the Homeowners' Emergency Mortgage Assistance Fund. In order to do this, you must fill out, sign and file a completed Homeowner.s' Emergency Assistance Application with one of the designated consumer credit counseling agencies listed on the attachment. An application for assistance may only be obtained from a consumer credit counseling agency. The consumer credit counseling agency will assist you in filling out your application and will submic your completed application to EXHIBIT "6" the Pennsylvania Housing Finance Agency. Your application must be tiled or postmarked, within thirty (30) days ot your tace-to- tace meeting. 11 U arrr_l.y impor1ilnr duJl you fill yoUI' applil:ation promptly. 11 you do nol do so, 0' if)lOu do nol lo11ow 11II 011II, Iinu plriodJ .'Ionh in Ihu lelllr, folYcloSIW ""'y proc"d alfGinsr )IOUI' ho_ im_dilJllly. Available tunds tor emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. It is extremely impot"taI'.t that your application is accurate and complete in every respect. The pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that additional 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 that Agency of its decision on your application. The Pennsylvania Housing Finance Agency is located at 2101 North Front street, Post Office Box 8029, Harrisburg, Pennsylvania 17105. Telephone No. (717) 780-3800 or 1-800-342- 2397 (toll free number). Persons with impaired hearing can call 1-800-342-2397. In addition you may receive another notice from this lender under Act 6 of 1974. That notice is called "Notice of Intention to Foreclose". You must read both notices, since they both explain rights that you now have under pennsylvania law. However, if you choose to exercise your rights described in this notice, you cannot be foreclosed upon while you are receiving that assistance. Very truly yours, FEDERMAN AND PHELAN By:r~~ Frank Federman FF/mtm cc: PHH Mortgage services, Nt. Laurel, NJ Attn: Jodith Gallagher Loan No.: 4298725 Sent by Regular Mail, Certificate of Mailing (PS Fora 3877) EXHIBIT "6" PE."INSYL V A.."l1A HOl:SL"lG FL'iA.'iCE AGE='iCY HOMEOWNER'S EMERGE1"iCY MORTGAGE ASSISTAN'CE PROGRA..\t CON3UMER CREDIT COUNSELING AGE='iCIES CRAWFORD COUNTY Boolulr T, WoaIw1aulQ Cdllter 1 no Holland Screel Erie. P A 16503 (814) 453-57-14 PAX ~ (814) 453-5749 Jolu1 p, Kennedy COllier, mc. 2021 Easr 201h Sueel Erie. PA 16,510 (814) 898-0400 PAX ~ (814) 898-1243 Greiller Erie Community ActloQ Commineo 18 Wesl Ninrh Streel Erie, PA 16501 (814) ,159-U81 PAX. (814) 456-0t61 Sbenango Valley Urbanlc League. mc, 60 I lI1diana A veQUO Parte II. PA 16121 (41:) 98l-5310 CUl\oIBERL.-\..'IfD COl'NTY CODSumer Credir COWlSeling Service of Western P=/!vWa, mc, 2000 Linglestowu Road Harrisburg. PA I il02 (717) NI-1757 PAX ~ (912) 731-9589 Financial Counseling Services of Fl'Ollklin 31 West 3rt! Screer Waynesbora, PA 17268 (71 n 762.3285 Community Actioa Colllll1issioQ of rhe Capital RegloQ 1514 Deay Screer HarriJburg, PA 17104 (717) 232-9757 F.-\'''(. (717) 234-~7 Urbllll League of MeaopollllU1 Harrisburg 2107 North 6th Sueel Harrisburg. p," 1 nOl (717) 234-5925 FAX ~ (717) 234-9459 YWCA of Carlisle 30 I G, Street Carlisle. P." 17013 (717) 243-3818 FAX rf ~7i 7) iji.-~5a; lbe PennsylVlll1ia Housing rllllll1ce Agllllcy C:U1 be reacbed TOll FREE al 1(800) 342-2397 EXH/B/T"6" ALL THAll' ~.1d'AIN lot. ot qround 8i tuate in North HidcSl.ton Town.hip, cumberland county and Commonwealth of Pennaylvania, bounded and described a. tollow., BEGINNING at a point in the southern eide ot the pub1io road leadinq tram Carli.le to Newville (Penn'a State Hiqnway Route No, 641) which point is also a corner ot lot about to be conveyed unto Bruce H. MCCoy and wife, thence in a eouthwardly direction alonq lot about to be conveyed unto .aid HeCoy, a dietance ot one Hundred Eighty-two (182) feet to a point in the nortne1'n line ..ot an alley 16 teet in width I thence in a westwardly direction alonq the northern side of .aid alley a distance ot ninety-five (95) feet to a point in the eastern side at an alley 16 teet in width' thence in a northwardly direction alonq the ...tarn .ide at said last mentioned alley, a distance ot one hundred eiqhty-two (182) feet to a point in the louthern side ot .aid public road, thence in an eastwardly direction alonq the eouthern uide ot sald public road, a distance ot ninety-five (g~) feet to a point, the Place ot Beqinninq. BSn-rG tl:te' we.tern forty (40) fast ot Lot NO.\~' and allot Lot No. 30, on that certain plan of lot. laid out and adoptod by Thomas A. Shearer, one of the Grantors herein, and known as "Westm1niater Manor", said plan beinq recorCSed in the ottioe of the Recorder ot Deeds in and fpr CUmberland County, Pennsylvania, in Plan Book 3, Page 67. PARCEL NUMBER: 29-20-1790-014 Premises: 1188 Newville Road Carlisle, PA 17013 "'I. II- " .1, t II f L l'L"'lt"fo:."-'Ht:.~...r' P.1d5 ..: 1 ':> "J"J.s 5....... S'" YZKIPICATION DWAYNE VEST h.n!:ly Itae.. that ./h. i. FORECLOSURE REPRESENT~VE PUll MORTGAGE SERVICES CORPORATION mo.egage .erv1cing agent to. Plaineitt in th1. matter. that I/h. 11 a~thor1ze~ eo take th1. Verit1cation. an~ that the Itatementl mac!.e in the toregotng Civil Action in Mortgage Forlclo.ure are true an~ cor~ect to the belt ot !'Ilr/hil knowledge. intormat1on and be:',;,et, The under:ligned ~nderstan~1 that this natement is made luDJect to the pen~ltie' ot 18 Pa. C, S, Sec. 4904 relating to un~\>Icr;: fa:" 1 ~ lca:.ion to aUl:horil: 1ell. fr~ CA-;E: 10-1-77 '. 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