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Home My WebLink About00-07518 --'--- - ""' J..~,. ',,_ " ~ l!i'~-'~ ~c' " SHERIFF'S RETURN - REGULAR t CASE NO: 2000-07518 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND PNC BANK NA VS CAHNG SAE YOUL ET AL WILLIAM DIEHL , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon CAHNG SAE YOUL A/K/A HARRY J CAHNG the DEFENDANT at 0009:40 HOURS, on the 2nd day of November, 2000 at 3 PATTON ROAD MECHANICSBURG, PA 17055 by handing to HARRY J. CAHNG a true and attested copy of COMPLAINT - MORT FORE together with NOTICE and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 6.20 .00 10.00 .00 34.20 So Answers: r~~( R. Thomas Kline 11/03/2000 KREDER, BROOKS, HAILSTONE Sworn and Subscribed to before By: ~MJJ Deput riff me this sf:: day of ~~ A.D. ~c. Yn1t1.P;., ~ rcithonotary , ,,1M...... -. ~ "" """"",""'" ~~ -'I -1.. --, .. SHERIFF'S RETURN - REGULAR \ CASE NO: 2000-07518 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND PNC BANK NA VS CAHNG SAE YOUL ET AL WILLIAM DIEHL , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon CAHNG HEE JA A/K/A LENA J CAHNG the DEFENDANT , at 0009:40 HOURS, on the 2nd day of November, 2000 at 3 PATTON ROAD MECHANICSBURG, PA 17055 by handing to HARRY J. CAHNG a true and attested copy of COMPLAINT - MORT FORE together with NOTICE and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 6.00 .00 .00 10.00 .00 16.00 So Answers: r~~<:4f!t R.. Thomas Kline 11/03/2000 KREDER, BROOKS, HAILSTONE Sworn and Subscribed to before By: ~JJ! Deputy S f' fiE: me this day of '1t~"-' A.D. o.~~ .. r thonotary . --, ;" " ~\>-, .' r PNC BA"NK, NATIONAL ASSOCIATION IN THE COURT OF COMMON PLEAS Plaintiff OF CUMBERLAND COUNTY vs. CIVIL ACTION - LAW SAE YOUL CAHNG, aJk/a HARRY J. CAHNG, and HEE JA CAHNG, aJk/a LENA J. CAHNG, his wife, Action of Mortgage Foreclosure Defendants ()().. No. 2000-CIVIL- 751ft . ~ ......................................................................... . ......,.................................................................. . NOTICE THIS IS AN ATTEMPT TO COLLECT A DEBT AN]) 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 LA WYERAT 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. ~ j: . I Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 1-800-990-9108 or 1-717-249-3166 Pennsylvania Lawyer Referral Service pennsylvania Bar Association P.O. Box 186 Harrisburg, PA 17108 1-800-692-7375 !-' . J , PNC BANK, NATIONAL ASSOCIATION IN THE COURT OF COMMON PLEAS Plaintiff OF CUMBERLAND COUNTY vs. CIVIL ACTION - LAW SAE YOUL CAHNG, alk/a HARRY J. CAHNG, and HEE JA CAHNG, alk/a LENA J. CAHNG, his wife, Action of Mortgage Foreclosure Defendants No.2000-CIVIL- 70/1' ......................................................................... . ......................................................................... . COMPLAINT IN ACTION OF MORTGAGE FORECLOSURE The Plaintiff, PNC Bank, National Association, by its attorneys, KREDER, BROOKS, HAILSTONE & LUDWIG, brings this action against the Defendants and, in support of its claim, avers the following facts: 1. PNC Bank, National Association, is a national banking association with an office at 2730 Liberty Avenue, Pittsburgh, PA 15222 (the "Plaintiff"). 2. Sae Y oul Calmg, alk/a Harry J. Calmg, and Hee Ja Calmg, alk/a Lena 1. Calmg, his wife, (the "Defendants") are adult individuals whose last known mailing address is 3 Patton Road, Mechanicsburg, Pennsylvania 17055. 3. The property address is 3 Patton Road, Mechanicsburg, Cumberland County, Pennsylvania 17055. __to ~I -" ~--, :"-'" 4. In consideration for a promissory note in the original principal amount of EIGHTY- THREE THOUSAND SEVENTY-FIVE DOLLARS AND 00/100 CENTS ($83,075.00) made by the Plaintiff, the Defendants executed and delivered to the Plaintiff their Note dated March 5 1999 , , obligating them to pay to the Plaintiff the sum of $83,075.00, with interest, in contracted monthly installments of SEVEN HUNDRED SEVENTY-ONE DOLLARS AND 38/1 00 CENTS ($771.3 8) per month, to be applied to interest at the rate of 7.49% per annum, and the balance to be paid on principal as more fully set forth in the Note, a copy of which is attached hereto as Exhibit" A" and incorporated herein by reference (the "Note"). 5. The Note is secured by a Mortgage from the Defendants in favor of the Plaintiff dated March 5, 1999 and recorded in Cumberland County Mortgage Book 1527 at page 963, a copy of which is attached as Exhibit "B" and incorporated herein by reference (the "Mortgage"). 6. The Mortgage has not been assigned. 7. The land subject to the said Mortgage is more particularly described in Exhibit "e" attached hereto and incorporated herein by reference (the "Premises"). 8. The Defendants are the real owners of the Premises. 9. The specific default ofthe Defendants is as follows: no payment has been made on the obligation created by the aforesaid Note and Mortgage since September 15, 1999. 10. The requisite Notice under the Emergency Assistance Act of 1983 Housing Bill No. 500, Act 91, as well as timely Notice of Intention to Foreclose pursuant to Section 403, Act No.6 of1974, Pa. 41 C.S.A. Section 403, was sent by the Plaintiff to the Defendant at the address of the Premises and also to his last-known addresses on April 26, 2000 in accordance with the provisions ~ ~ ", .~, ,,~ - , ofthe those Acts. Copies of the letters are attached as Exhibit "D" and incorporated herein by reference. 11. The amount due by the Defendants to the Plaintiff as of June 23, 2000, consisting of principal, accumulated interest, late charges, taxes, advanced insurance premiums and other escrow charges, is EIGHTY-SIX THOUSAND SEVEN HUNDRED EIGHTY-SIX DOLLARS AND 87/100 CENTS ($86,786.87), together with additional interest from June 23, 2000 and attorneys' fees in an amount not less than $850.00, and costs. 12. A Validation Notice pursuant to the Fair Debt Collection Practices Act is attached hereto as Exhibit "E" and incorporated herein by reference. WHEREFORE, judgment in mortgage foreclosure and judicial sale is hereby demanded in favor of the Plaintiff, PNC Bank, National Association, and againsttheDefendants, Sae Youl Cahng, alk/a Harry J. Cahng, and Hee Ja Cahng, alk/a Lena J. Cahng, his wife, in the amount herein above set forth. Dated: October ~, 2000 KREDER, BROOKS, HAILSTONE & LUDWIG A22::Plaintiff ~ By: ~ I~ Attorney Ann Lavelle Powell, Esquire Supreme Court J.D. 25869 Suite 200, 220 Penn Avenue Scranton, P A 18503 .j , . COMMONWEALTH OF PENNSYLVANIA SS. COUNTY OF LACKAWANNA AFFIDAVIT John Corcoran, being duly sworn according to law, deposes and says that he is Vice President - Special Assets of PNC Bank, National Association; and that as such official, he is authorized to make this Affidavit on its behalf; that he does so; and that the facts contained in the foregoing Complaint are true and correct to the best of his knowledge, information and belief. PNC BANK, NATIONAL ASSOCIATION Dated: ID-11.iJ ,2000 orcoran e President - Special Assets SWORN TO AND SUBSCRIBED before me this /6 HJ day of of 0 G J-t:>AIV\ 2000. ~ G.J1 ~ ~ 7<. J;:j, ONJ~ d '1 t., Notary Public ,,-I EXHIBIT A 'oj"~ ,,-,. i. . "I PI . 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Slr.lIIlIJlII1l/01$lchl'lel S<<:u'IiIyrnlenslllldep0sd5. Vlrilbltrate._.._._........ Wl""..","_"""_",,. ..... ...3.1 ....."._,...1 ..,._._.......n ..._,........_u _...____3 ,.,_......3,7 __._..2* ~._.,...,.JI -' __.... 22 '...'__'.'_ ..19 -" ,_... ..\6 _......._...Jl ...>20,22.25 ....__..,_..11) ,_,___,__2S ,..,,'.10 .__~14.U Nonc.~ :o.CO.sIG~E!!.~, ".._ ____ ~...~~ ~~. .... ".". ._. _'" "..... I EXHIBIT B LJ ,"J .,.." , ~-.",.' , ".,"~ J_._~ " - - - l~ ~...." "" _1_ .;"" '-:;-,.' \Jf'Ob'(') I../()-/-<tfJ/2-56;;,-t, I..:;JMORTGAGE OLNACS Number 7740186 ,I (; r- , ~3 f. ' . (Closed-End) THIS MORTGAGE IS made on ' Mar. 5 l~g , 'rhe>Mortgagor is SAB TOUL CAHHG i HII JA CAHHG here IS more than one, the word "Mortgago" herein refers fa each and all of the"" The Mortgagee is PNC Bank National Association ,word -Borrowe" means HARRY J CAHNG, LENA J CAHNG ' here IS more than one, the wom"Sorrower" herein reters to each and all of them. rrowerowes Mortgagee the sum of, ,Ei, hty Three Thousand Sevent Five And 00/100, Dollars S, $, R't "7~ "" ),Th,S debt IS eVI~enced by Borrowers written obligation (re1erred to herein as the "Note"), dated Mar 5 1999 ' This MOl'1gag!!' SettJl'eS to Mort~agee: (a) the repayment of the debt evidenced by the Note, with interest and other charges as' Provfdea therein; t~e payment of ~II other sums, with Interest thereon, advanced hereunder for the payment of taxes, assessments, maintenance charges, insurance ,mlums and costs Incurred to protect the security of this Mortgage; (c) the payment of all of Mortgagee's costs of collection, including costs of suit and if 'mltted by law, reasonable attorneys' fees and expenses, if suit is filed or other action is taken to collect the sums owing or to protect the security of this rtgage; (d) payment of any refinancing, substitution, extension, modification, and/or renewal of any of said indebtedness, interest, charges, costs and lenses; (e) the performance of Mortgagor's and/or Borrower's covenants and agreements under this Mortgage and the Note; and (I) the repayment of the )t eVidenced by any note or agreement which was refinanced by the Note, to the extent that such debt is owed. to Mortgagee and has not been paid. For this 'pose, Mortgagor does hereby mortgage, grant and convey to Mortgagee the following described property, together with all improvements now ac hereafter cled, and all easements, nghts and appurtenances thereon, located at and known as: 3 PATTON RD, MECHANICSBURG, PA 17055 CUMBERLAND Recording Date of Original Deed Jul. 3, 1978 Deed Book Number W-27 Page Number 920 fJtlft~ ;;. / ~ -;Jj; () 8<8'7 -o~ J , ;........ . '.. ~. ~.~~J , word' Property" herein shall mean all of the foregoing mortgaged property, To have and to hold the Property unto the Mortgagee, rts successors and assigns, forever, Provided, however, that if Mortgagor and/or Borrower shall I to Mortgagee the said debt, interest, and all other sums, and perform all covenants and agreements secured hereby, then this Mortgage and the estate Iveyed by It shall terminate and become void. ' Warranty of Till.. Mortgagor warrants and represents to Mortgagee that: (a) Mortgagor is the sole owner of the Property, and has the right to mortgage j convey the Property; (b) the Property is unencumbered except for encumbrances now recorded; and (c) Mortgagor will defend the title to the Property linst all claims and demands except encumbrances now recorded, Covenants. Mortgagor promises and agrees as follows: (a) Mortgagor will maintain the Property in good order and repair; (b) Mortgagor will comply with all laws respecting the ownership and/or use of the ,perty; (c) If the Property is part of a condominium or planned unit development, Mortgagor will comply with all by.laws, regulations and restrictions of , ard; (d) Mortgagor will pay andlar perform all obligations under any mortgage, lien, or security agreement which has priority over this Mortgage; Mortgagor will payor cause to be paid all taxes and other charges assessed or levied on the Property when due and, upon Mortgagee's request, will deliver he Mortgagee receipts showing the payment of such charges: (I) While any part of the debts secured by this Mortgage remain unpaid, Mortgagor promises obtain and keep in force property insurance and, if required by federal law, flood insurance on the Property, The property insurance must cover loss of or nage to the Property and must be in an amount sufficient to protect Mortgagee's interests; flood insurance must be of the type and in the amount required federal law, Mortgagor agrees to provide Mortgagee evidence of required insurance, All policies must name Mortgagee as a loss payee/secured party and st provide for at least 10 days written notice to Mortgagee of reduction in coverage or cancellation. Mortgagor gives Mortgagee the right to sign Mortgagor's ne on any check or draft from an insurance company and to apply the money to any debt secured by this Mortgage. This is limited to checks and drafts in Iment of a claim under an insurance policy for loss or damage to the Property or for returneo or rebated premiums on policies insuring the Property; If Mortgagor fails to keep in force the required insurance andlar fails to provide evidence of such insurance to Mortgagee, Mortgagee may notify Mortgagor t Mortgagor should purchase the required insurance at Mortgagor's expense. If Mortgagor fails to purchase the insurance within the time stated in the ice and/or fails to provide evidence of such insurance to Mortgagee, Mortgagee may purchase insurance to protect Mortgagee's interest, to the extent "mitted by applicable law, and charge Mortgagor the cost of the premiums and any other amounts Mortgagee incurs in purChasing the insurance. THE ;URANCE MORTGAGEE PURCHASES WILL BE SIGNIFICANTLY MORE EXPENSIVE AND MAY PROVIDE LESS COVERAGE THAN INSURANCE MORTGAGOR ULD PURCHASE OTHERWISE. Mortgagee may receive reasonable compensation for the services which Mortgagee provides in obtaining any required urance on Mortgagor's behalf. In certain states, the required insurance may be obtained through a licensed insurance agency affiliated with Mortgagee. s agency will receive a fee for proViding the required insurance. In addition, an affiliate may be responsible for some or all of the underlying insurance risks j may receive compensation for assuming such risks. If Mortgagor fails to perform any other duty or obligation required by these Covenants, Mortgagee y, at its sole option, advance such sums as it deems necessary to protect the Property and/or its rights in the Property under this Mortgage, Mortgagor ees to repay Mortgagee any amounts advanced in accordance with this paragraph, with interest thereon. upon demand; (h) Any interest payable to rtgagee after a judgment is entered or on additional sums advanced shall be at the rate provided for in the Note; (i) Mortgagee may make reasonable ries upon and inspections of the Property after giving Mortgagor prior notice of any such inspection; (j) Mortgagor will not sell, transfer ownership in, or er into an installment sale contract for the sale of all or any part of the Property; and (k) The promises, agreements and rights in this Mortgage shall be ding upon and benefit anyone to whom the Property or this Mortgage is transferred, If more than one Mortgagor signs this Mortgage, each and all of them bound individually and together. The covenants made in this section and Mortgagee's remedies set forth below shall not merge with any judgment entered my legal action and shall apply until all amounts owed are paid in full. ' Default. Mortgagor wili be in default under this Mortgage: (a) if there is a default under the Note; (b) if Mortgagor breaks any promise made in this rtgage; (c) if any Mortgagor dies; (d) if any other creditor tries to take the Property by legal process; (e) if any Mortgagor files bankruptcy or if anyone files Involuntary bankruptcy against Mortgagor, (I) if any tax lien or levy is filed or made against any Mortgagor or the Property; (g) if any Mortgagor has made 'false statement in this Mortgage; or (h) if the Property is destroyed, or seized or condemned by federal, state or local government. , , Mortgagee's Remedies. Unless prohibited by law, it Mortgagor is in default under this Mortgage, Mortgagee may, a~ Its optIon, after notice requIred by , if any, declare due and payable the entire unpaid balance of the sums which are secured by this Mortgage and oWing upo~ the Note. If ~ortgagee sa :lares such entire balance due and payable, Mortgagee may take possession of the Property, collect any and all rents, apply said rents to the mdebtedness ured by this Mortgage, foreclose the Mortgage, or take other action upon the Mortgage as permitted or provided by law to collect the balance owing, If a rtgage foreclosure, action or any other actian.on this Mortgage is filed by Mortgagee, and/or if Mortgagee takes any action to protect or enforce Its, Interest ::!ny court. including Bankruptcy Court, Mortgagor agrees to pay to Mortgagee all expenses and costs of such action, including, If permItted by Jaw, sonable attorneys' fees to the maximum extent permitted by law. . Remedies Cumulative. If any circumstance exists which would permit Mortgagee to accelerate the balance, .Mortgagee may tak.e such action at any e during which such circumstance continues to exist. Mortgagee's remedies under this ~ortgage shall be cumulatlv~ and not .altematlv~. Delay in Enforcement. Mortgagee can delay in enforCing any of its rights under this Mortgage .o~ the Note WIthout los~ng that right. Any waiver by rtgagee of any provision of this Mortgage or the Note will not be a waiver of the same or any other prOVISIon on any other occasIon. Assignment. Mortgagee may sell, transfer or assign this Mortgage without Mortgagors consent. 00000130 (Rev. 10/96) , . Boud527 PAGE .983 " ..I ~",",_' '~.",L -~.~ ~" Witness Witness STATE OF PENNSYLVANIA 14 /" , t ("7 ,.g c~ cAtv 0. ) SS: COUNTY OF (./V') n ("', 7 1 7 On this 5" day of /!"'7CI/"P,I; ,19R,beforeme, (/)~/31" J/U!:JI) 5 theJH1dersigne ,:>ffiGer (who certifies that e/she is not an officer or ,d'rector of PNC Bank, National Association), personally appeared , e . II a known tome (or sa!islacfurily proven) to be the rson(s) whose name(s) is (are) subscribed to the in instrument and acknowledged that he/she/they ex""uted th.:.;ao;e for the purposes therein contained. ~:}' I~ W'itness-\Vhe'reof ~etl!liilhand and offi ial seal. >.'..; '," \4IlIBl""~~ ': ".)-,,-.\ 1ldlIII'~.=tanIl~ Signature '. ~ -); -f8l\'~~!9.I::loIW'. ,,-- , ..;5 QIlfIP ."*,,,e>qIlI1lS =-- ' Title . ,,",\ .'t;( ..,OClJw-- ~O,,~-~ ' ~~..: :::~:'':'ii;f;.:(,4 ""'...\....-- AFFIDAVIT OF SUBSCRIBING WITNESS . II ..~ -'-~~. '.' ,.. ~ ~ :: <ll":p:'~_jDb not use if Mortgagor(s) acknowledged the Mortgage, Affidavit must be taken in county where Property is located.] 'Be'for;;';';e, a notary publiC (who certifies that he/she is not an officer or director of PNC Bank, National Association), personally appeared , the subscribing witness to the within Mortgage, who being duly sworn according to 1_,', deposes and says that he/she was personally present at the execution of said Mortgage, saw the within named Mortgagor(s) and sign as his/her/their act and deed, and deliver said Mortgage for the purposes therein set forth; and that the name of this deponent affixed thereto as subscribing witness is of deponents own proper handwriting. ACKNOWLEDGMENT Sworn to and subscribed before me this Subscribing Witness day of ,19_. I, CERTIFICATE OF RESIDENCE . do Notary Public '/r; 1<' STATE OF PENNSYLVANIA COUNTY OF G,N'V'~ llX.",d RECORDED on this ~i'\d ~ said County, in Mortgage Book V0iu:ne , WITNESS my hand and the seal of so:o office the day and year aforesai ) ) SS: Agent for Mortgagee , 19 '19, in the Office of the Recorder of Deeds in and for "-~~~ Recorder 8~ -o1\)(")(")lJ:J: c:D@J , , 0 ;:;:-..,JOOZw - 0 vrW5f~(")::.: ." rr ~n 0 0""0...........0)..... Z - . 0 0 0 (, C r(l) - 0 n ::30. n, - 0 ..., -...., 3 Q).. w ~g-~~ ~ tIl :::0(1) _;O;j , ,> 0- :::J;Jc..~ ,"' - ;:1.(") III m "tl'< 0 b " s: I'"V 1, .~ J ", :1>)>;a.w ?" ~ (') f'.) " ~ , .....<a~ z 0 c..nCil_n 0" ~ N_~ C'D III ..,~ ~;;J ""'l Z! .' "' :n "'c: :J - ro - C) , ' ",ro _ c' 0' ~ ?-ClQ ::;) <':') ro " ~ ~l>> c:: r " !!!. ~~ ...... i" " 2;ClQ 0 , , ,. -; fl1 , , en (1) -, u " , -, . en ~~ W .~ .,.... ., 0 I--'Z~ 0' ... ; " n c: _' i ,',;' ( ; . OJ' ~~ 3'>-> - ''',.:-r- c' " .0 .984 co " Boud527 r E ~ " ;"...1 "' , -, .~~ ;;., '", ' . -; . ., 'I EXHIBIT C ALL THAT CERTAIN piece or parcel of land, situate in Mechanicsburg, Cumberland County, Pennsylvania, more particularly bounded and described as follows, to wit; BEGINNING at a point on the Northern side of Patton Drive which point is also the dividing line of Lots No. 19 and 20, Block C, on the hereinafter mentioned Plan of Lots; THENCE along said dividing line North 10 degrees 23 minutes West 114.38 feet to a point on the lands now or formerly of Cumberland Wilson Estates, Inc.; THENCE along said land North 79 degrees 42 minutes 30 seconds East 65.08 feet at the dividing line of Lots No. 18 and 19 on the hereinafter mentioned Plan of Lots; THENCE along said dividing line Southl0 degrees 23 minutes East 114.28 feet to a point on the Northern side of Patton Road; THENCE along the Northern side of Patton Road South 79 degrees 37 minutes West 65.0 feet to a point and place of BEGINNING BEING Lot No 19, Block C, on the Final Plan of Part of Blocks A, C, D, E, F, G, and H Wynnewood Park as recorded in the Cumberland County Recorder's Office in Plan Book 30, Page 116. UNDER AND SUBJECT to a 25 feet building set back line. CONTAINING 7,436 square feet, more or less. BEING the same premises conveyed to Sae Youl Cahng and Hee Ja Cahng, his wife, by Deed ofW.D.C" Inc., a Pennsylvania corporation, dated June 26, 1978 and recorded July 3, 1978, in the Office of the Recorder of Deeds in and for the County of Cumberland in Deed Book W27, Page 920. ~ L ~ ^," '_ '0,_ . - :";~:,..,i EXHIBIT D ,""'" I ~.~~ " . ". l,~, , l ~ " . . " , GPNCBAN< Harry J. Cahng 3 Patton Rd. Mechanicsburg, PA 17055 Date of this Notice: April 26, 2000 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 foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help save your home. This Notice explains how the program works. To see ifHEMAP can help, you must MEET WIlli 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 n:3.!lle, address and phone number of Consumer Credit 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 fmd a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANClA, PUES AFECTA SU DERECHO A CONTINUAR VlVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTlFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYL V ANlA 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 SAL V AR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HlPOTECA. HOMEOWNER'S NAME: Harry J. Cahng / Lena J. Cahng-. / PROPERTY ADDRESS: 3 Patton Rd., Mechanicsburg, PA 17055 LOAN ACCT. NO.: 040-01-008012505675 ORIGINAL LENDER: PNC CURRENT LENDERlSERVlCER: PNC Bank, NA A member ofTh~ PNC Financial Services Group Consumer loan Center 2730 Uberty Avenue P'lttsburgh Pennsylvania 15222 ",.,-J ,I " ~ ^ f " , ~ PNCBAN< HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGffiLE 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 ELIGffiLE 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 ELIGffiILITY REQillREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary stay offoreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face- to-face" meeting with one ofthe consumer credit counseling agencies listed at the end of this Notice. TIDS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP 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 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 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 Program Application with one of the designated consumer 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 TIDS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. A member of The PNC Financial Services Group Consumer Loan Center 2730 Liberty Avenue Pittsburgh Pennsylvania 15222 " ~I,- .J " I -C.", "' I i I I I i i i i 1 1 i I I , . " " . G PNCBAN< RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the lliIRTY (30) DAY period and foreclosure proceedings have begun, you 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 Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage, Curhig 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 POSSffiLE 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 six 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: PNC Bank, NA Address: 2730 Liberty Avenue, 2" Floor, Mailstop: P5-PWLC-02-I, Pittsburgh, PA 15222 Phone Number: (412) 762-8682 or 1-800-878-0027 Contact Person: Joe Amoroso EFFECT 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 not sell or transfer your home to a buyer or transferee who will assume the mortgage debt. 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 PAYOFF THIS DEBT. . TO HAVE lliIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. . TO HAVE lliE MORTGAGE RESTORED TO lliE 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 OlliER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. . TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. Very truly yours, Dale Hayhurst PNC Bank, National Association cc: I" Class U,S, M1lir,_~J'lfrg~~il(inancial Services Group Consumer Loan Center 2730 liberty Avenue Pittsburgh Pennsylvania 15222 .-_~I , I "'. " " 0PNCBAN< CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (see attached) A member of The PNC Financial Services Group Consumer Loan Center 2730 Liberty Avenue Pittsburgh Pennsylvania '5222 I . " , ~ . .:1 ~" ~ ~ " , CUMBERLAND COUNTY URBAN LEAGUE OF :METROPOLITAN HARRISBURG 2107 N, 6th Street Harrisburg, P A 17101 (717)234-5925 FAX #(717)232-4985 YWCA OF CARLISLE 301 G. Street Carlisle, PA 17013 (717)243-3818 FAX #(717)243-3948 CONSUMER CREDIT COUNSELING SERVICE OF WESTERNPA, INC. 2000 Linglestown Road Harrisburg, P A 171 02 (717)541-1757 FINANCIAL SERVICES UNLfMITED 117 West 3rd Street Waynesboro, PA 17268 (717)762-3285 . " t " ~)) ... ~ die 'O:s: ~ ~ :;1.5" (I) t:: Q) ~ l:l7a.~ a:l ~ :: E 00. ~ a: 0 al _ ('II.... (/J ill- U eo u. w O'iij 1;) l3,) ..c: l1) g a (ij J: $ o..~-.;:: 0.:.0 (/)u. E ._ :a ~~~ C) U) tI) Q) ...._ cntf .~ (j 0.0 - ~~~:g 00) 0& ~ ::; '0 1:l" Ql ~ ~ ,'2 ~ _ w j .~.c - gt.x ~ a: ~ = 13 ClO o . i; c . ~ ~ o '" o '- >~ t> _:s ~' ......(ijct .. ~f~ ~ .~~ Q) ~ ~ CO) a: Q=.5 ~ E~g8c-g. :::I~ a: <<l~ a1ij.......:. ::cU C:{j~~ ~OClOO ';l E '0 l: $~i'C S ~.~ S! TI~lj8 Q) BOOOO f 0. Oi~ <l- ~ -~~ ~ -".'1lIl:l'1)):,'j, .. , .. 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II ; 0PNCBAN< Lena J. Cahng 3 Patton Rd. Mechanicsburg, PA 17055 Date of this Notice: April 26, 2000 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 foreclose. Specific ,information about the nature ofthe default is provided in the attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help save your home. This Notice explains how the program works. To see ifHEMAP 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 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 VIVlENDO EN SU CASA SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION lNMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYL V ANlA 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 SAL V AR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA HOMEOWNER'S NAME: Harry J. Cahng / LenaJ.Cahng PROPERTY ADDRESS: 3 Patton Rd., Mechanicsburg, P A 17055 LOAN ACCT. NO,: 040-01-008012505675 ORIGINAL LENDER: PNC CURRENT LE~E~(JJI'!RfiiiiW@relID'lf,eNJ!'flup Consumer loan Center 2730 liberty Avenue Pittsburgh Pennsylvania 15222 - .,1 -- --,", ,. -. lh " " . w " , ~ PNCBAN< HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGmLE 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 ELIGmLE 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 ELIGmILITY REQUIREMENTS ESTABLISHED BY THE PENNSYL VANIA 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. TillS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP 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 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 agencies for the county in which the propertv 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 Program Application with one of the designated consumer 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 TillS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR ,APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. A member of The PNC Financial Services Group Consumer Loan Center 2730 liberty Avenue Pittsburgh Pennsylvania 15222 J , .W " " " . GPNCBAN< 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.) 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: 3 Patton Rd., Mechanicsburg, P A 17055 IS SERlOVSL Y IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: MontWy payments in the amounts of $771.38 for each of the months from October 1999 through April 2000. Other charges (explain/itemize): Late Charges for $232.36 TOTAL AMOUNT PAST DUE: $5,652.02 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 $5,652.02, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAYS PERIOD. Payments must be made either by cash, cashier's check, certified check or money order made payable and sent to: PNC Bank, NA 2730 Liberty Avenue, 2nd Floor, Mailstop: P5-PWLC-02-I, Pittsburgh, PA 15222 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 the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within 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 mortgage 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 actually incurred, up to $50.00. However, iflegal proceedings are started against you, you will have to pay all reasonable attorney fees actually incurred by the 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 be required to pay attorney fees. OTHER LENDER ItENrnDtl<:se!'~~'l~\\.'ii"drsfr'i~),el1Ps'8ufue you personally for the unpaid principal balance and all other sums due under the rii~~e.oan Center 2730 Liberty Avenue Pittsburgh Pennsylvania 15222 ,i;-l, " L *,,-1 ." Ii ,~ -:-' ",' " . " . ) " ! G. PNCBAN< 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 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 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 Sheriffs 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 ItS if you had never defaulted. EARLIEST POSSffiLE 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 six months from the Date ofthis 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: PNC Bank, NA Address: 2730 Liberty Avenue, 2'. Floor, Mailstop: P5-PWLC-02-I, Pittsburgh, PA 15222 Phone Number: (412) 762-8682 or 1-800-878-0027 Contact Person: Joe Amoroso EFFECT 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 not sell or transfer your home to a buyer or transferee who will assume the mortgage debt. 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 INSTI1UTION TO PAY OFF THIS DEBT. . TO HAVE THIS 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, Very truly yours, Dale Hayhurst PNC Bank, National Association cc: 1" Class U.S. Mfuf,_~ePI;r~at(jnancia' Services Group Consumer loan Center 2730 Liberty Avenue Pittsburgh Pennsylvania 15222 ,<OJ' , ~~~~ .. . ,j. , .. , GPNCBAN< 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 baukruptcy you can still apply for Emergency Mortgage Assistance.) 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: 3 Patton Rd., Mechanicsburg, P A 17055 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: MontWy payments in the amounts of $771.38 for each of the months from October 1999 through April 2000. Other charges (explain/itemize): Late Charges for $232.36 TOTAL AMOUNT PAST DUE: $5,652.02 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 $5,652.02, PLUS ANY MORTGAGE P A YMBNTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAYS PERIOD. Payments must be made either by cash, cashier's check, certified check or money order made payable and sent to: PNC Bank, NA 2730 Liberty Avenue, 2nd Floor, Mailstop: P5-PWLC-02-I, Pittsburgh, PA 15222 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 the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. Iffull payment of the total amount past due is not made within TIllRTY (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 mortgage 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 actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney fees actually incurred by the lender even if they exceed $50.00, AIJ.y attorney's fees will be added to the altloUnt you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney fees. OTHER LENDER ~Mtbtit!;e.!~Q1~\1"ci"drsfi\.~~e!ifis'8u!!'ue you personally for the unpaid principal balance and all other sums due under the mffi'lWl'ge?an Center 2730 Liberty Avenue Pittsburgh Pennsylvania 15222 w' II .~.~ , ~ .. .. .. ~.PNCBAN< . CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (see attached) A member of The PNC Financial Services Group Consumer loan Center 2730 liberty Avenue Pittsburgh Pennsylvania 15222 " .. . ~ , ;,'1, ~ """. , .. . . .. CUMBERLAND COUNTY URBAN LEAGUE OF .METROPOLITAN HARRISBURG 2l07N. 6th Street Harrisburg, P A 17101 (717)234-5925 FAX #(717)232-4985 YWCA OF CARLISLE 301 G. Street Carlisle, P A 17013 (717)243-3818 FAX #(717)243-3948 CONSUMER CREDIT COUNSELING SERVICE OF WESTERN P A, INC. 2000 Linglestown Road Harrisburg, PA 17102 (717)541-1757 FINANCIAL SERVICES UNLIMITED 117 West 3rd Street Waynesboro, PA 17268 (717)762-3285 ,'. ~~ ,. . ~ ~ ~ """ ,I ~I" . '.1 ! . 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" -,,;ll: 9.~~ e : 0 ] :;; .; ni ~ Cllll W 0,::.5 t>> CI:-g ''E '6 ~ E;;:: ~ 8 ~t.) ~ i t:"": J: CI:0$t!i .9 :=~ ::JDOo w . u. @ rl ~ ~ ~ ~ 'C w :;12'0 . ~.!!1 f? CI ~ f5l ~ 0 Q) wa:~ (.) ~ . o 0. 0000 i'i i'i ~ M . . ~ ~ ~ < o !~~ 0 t8~~ ~ ~tJ ~t;m]~ ~ I UfHiMl Q),~ E 'jl~~i:!l~~ '.' I I I I , I i I .. .. ---~, .. -, I, ~;'~c, 1 0_ I '';-.1~: ')~\ ~ ~ ~!~ <~i') 1,1( , ~~, I I \UJ \. ~~ 1\./< --, [0 I ~-&,i-- I , I I I I I I I , , I , I ! I I I I s ~ s ~ .. . il ~ ~ q~ I gc -6 ) . E ' } ~ ~ ~V\ . , <L ~ ~ ~ ~ ~ -...!' g ~; ci :', ,,-j c, , '. " j #1 I r\', \ " , \ '"~ C) (; " .5 .: ! '~ . "- >- >- >- " . 0; C. E o o 0> 0> 0> 5- <( 1"- .- ee co 1-' I:;: ~.,k -,,-"",, , { .. . ~ ~, . t ." ~ PNC BANK, NATIONAL ASSOCIATION IN THE COURT OF COMMON PLEAS Plaintiff OF CUMBERLAND COUNTY vs. CIVIL ACTION - LAW SAE YOuL CAHNG, alk/a HARRY J. CAHNG, and HEE JA CAHNG, alk/a LENA J. CAHNG, his wife, Action of Mortgage Foreclosure Defendants No,2000-CIVIL- ......................................................................... . ......................................................................... . Exhibit E V Al,IDATION NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICES ACT 1. The amount of the debt is EIGHTY-SIX THOUSAND SEVEN HUNDRED EIGHTY-SIX DOLLARS AND 87/100 CENTS ($86,786.87), together with additional interest from June 23, 2000, and an attorneys' commission, and costs as more fully set forth in Paragraph 11 of the attached Complaint. 2. The creditor, PNC Bank, National Association, is a national banking association with an office at 2730 Liberty Avenue, Pittsburgh, PA 15222 3. Unless you, the consumer, within thirty (30) days after receipt of this notice, dispute the validity of the debt, or any part of it, the debt will be assumed to be valid by the debt collector. 4. If you, the consumer, notify the debt collector in writin'j within the thirty (30) day period, that the debt, or any portion of it, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against you and .",~_I~"_~ ~.I J ~~J'" , I ., . J I' , t .. . a copy of such verification or judgment will be mailed to you by the debt collector. 5. Upon a written request from you, the consumer, wi thin the thirty (30) day period, the debt collector will provide you with the name and address or the original creditor, if different from the current creditor. KREDER, BROOKS, HAILSTONE & LUDWIG By: ~~?m# Ann Lavelle Powell, Esquire Attorneys for Plaintiff Supreme Court I.D. 25869 Suite 200, 220 Penn Avenue Scranton, PA 18503 Date: 1'O-13-d~-.;;:,7) ,~ ~,,,," lIHl m- [ ~~"-~"~1r . ~. , , ~. 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