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Home My WebLink About00-07700 ~J" -.I .~ , McCABE, WEISBERG AND CONWAY, P. C. BY: TERRENCE J. McCABE, ESQUIRE Identification Number 16496 First Union Building 123 South Broad Street, Suite 2080 Philadelphia, Pennsylvania 19109 (215) 790-1010 , Bankers Trust Company of California, N .A., As Custodian or Trustee 10790 Rancho Bernardo Road San Diego, CA 92127 v. Craig DeWitt 98 Queen Avenue Enola, PA 17025 and Kimberly M. Woodrow nka DeWitt 98 Queen Avenue Enola, PA 17025 and Samuella H. Woodrow 10 Austel Drive Marysville, PA 17053 .1"'" , , ~<="~I. . ,-=,-'. .~~ -'. f-~' Attorney for Plaintiff Cumberland County Court of Common Pleas Number 00- '77cc> C,CJL{ '-r~ CIVIL ACTION/MORTGAGE FORECLOSURE NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this canplaint and notice are served, by entering a written appearance personally or by attorney and fil1ng in writing with the court your defenses or objections to the claims set forth against you. You arE! warned that iT you fail to do so the case may proceed Without you ~nd a judgment may be entered against you by the court Wlthout further notice for any money claimed in the .complaint or for any other clCiim 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 HELP. Cumberland County Bar Association 2 Liberty Avenue . Carlisle, PA 17013 (717) 249-3166 AVISO Le han demandado a usted en la corte. S1 usted qui ere defenderse de estasdemandasex-puestasenlaspaginassiguientes,ustedtieneveinte (20) dias de plaza al partir de la fecha de la demanda y la notificacion. HacefaltaasentarunacOOlparenciaescritaoenpersona o con un abogado y entregar a la corte en forma escrita sus defensas 0 susObjecionesalasdemandasencontradesupersona. Seaavisadoque si usted no se defiende. la corte tanara medidas y puede continual" la demanda en contra suya sin previa aviso 0 notificacion. Memas. la corte puede decidir a favor del demandante y requiere Que usted cll!{lla con todas las provisiones de esta demanda. Usted puede perder dlnero o sus propiedades u otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENlE. SINOTIENEABOGADOO SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUY A DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA A VERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (717)249-3166 _ . " A~~ . -'-- " , I ..' I I. " <-' b.' -~',J.i;, ~ , McCABE, WEISBERG AND CONWAY, P.C. BY: TERRENCE J. McCABE, ESQUIRE Identification Number 16496 First Union Building 123 South Broad Street, Suite 2080 Philadelphia, Pennsylvania 19109 (215) 790-1010 Attorney for Plaintiff Bankers Trust Company of California, N .A., As Custodian or Trustee 10790 Rancho Bernardo Road San Diego, CA 92127 Cumberland County Court of Common Pleas v. Craig DeWitt 98 Queen Avenue Enola, PA 17025 and Kimberly M. Woodrow nka DeWitt 98 Queen Avenue Enola, PA 17025 and Samuella H. Woodrow 10 Austel Drive Marysville, PA 17053 () - " l~ Number 80- --r76tJ ~ CIVIL ACTION/MORTGAGE FORECLOSURE 1. Plaintiff is Bankers Trust Company of California, N.A., As Custodian or Trustee, a corporation duly organized and doing business at the above captioned address. 2. The Defendant is Craig DeWitt, who is one of the mortgagors of the mortgaged property hereinafter described, and his last-known address is 98 Queen Avenue, Enola, PA 17025. 3. The Defendant is Kimberly M. Woodrow nka DeWitt, who is one of the mortgagors and real owners of the mortgaged property hereinafter described, and her last-known address is 98 Queen I.. n ~ . "..,,--, ' _, r' ,~,' ..,,,.,"f- '," .c __.1 ~ ~.. J;.." ",.J .'. .;J. , 11 - '~ - 'Wi:;- .. Avenue, Enola, PA 17025. 4. The Defendant is Samuella H. Woodrow, who is one of the mortgagors and real owners of the mortgaged property hereinafter described, and her last-known address is 10 Austel Drive, Marysville, PA 17053. 5. On December 26, 1995, mortgagors made, executed and delivered a mortgage upon the premises hereinafter described to Colonial National Bank, USA which mortgage is recorded in the Office of the Recorder of Cumberland County in Mortgage Book 1298, Page 430. 6. The aforesaid mortgage was thereafter assigned by Colonial National Bank, USA to Bankers Trust Company of California, N.A., As Custodian or Trustee, Plaintiff herein, by Assignment of Mortgage which will be duly recorded in the Office of the Recorder of Cumberland County. 7. The premises subject to said mortgage is described in the mortgage attached as Exhibit "A" and is known as 98 Queen Avenue, Enola, PA 17025. 8. The mortgage is in default because monthly payments of principal and interest upon said mortgage due June 2000 and each month thereafter are due and unpaid, and by the terms of said mortgage, upon default in such payments for a period of one month, the entire principal balance and all interest due thereon are collectible forthwith. C~.; ~ , ..1.. I, - " -- ~il: - ,.- "ty 9. The following amounts are due on the mortgage: Principal Balance Interest 5/5/00 through 10/25/00 (Plus $10.47 per diem thereafter) Attorney's Fee Late Charges Corporate Advances Escrow Advances Cost of Suit Appraisal Fee Title Search GRAND TOTAL $37,678.56 $ 1,811.31 $ 1,883.93 $ 145.22 $ 7.75 $ 426.08 $ 225.00 $ 125.00 $ 200.00 $42,502.85 10. The attorney's 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 Sheriff's Sale. If the mortgage is reinstated prior to the Sale, reasonable attorney's fees will be charged based on work actually performed. 11. Notice of Intention to Foreclose as required by Act 6 of 1974 (41 P.S. ~403) and notice required by the Emergency Mortgage Assistance Act of 1983 has been sent to Defendant by certified mail on the date set forth in the true and correct copies of such notices attached hereto as Exhibit "B." WHEREFORE, Plaintiff demands Judgment against the Defendants in the sum of $42,502.85, together with interest at the rate of $10.47 per diem and other costs and charges collectible under the mortgage and for the foreclosure and sale of the mortgage property. ~~ CR~. Ik cC-ah T RENCE J. M ABE, ESQUIRE Attorney for Plaintiff ~~ ._~ I "~"..~ I, L . - "'": VERIFICATION The undersigned, April Carr, hereby certifies that she is the Foreclosure Specialist of the Plaintiff in the within action, Bankers Trust Company of California, N.A., As Custodian or Trustee , and that she is authorized to make this verification and that the foregoing facts are true and correct to the best of her knowledge, information and belief and further states that false statements herein are made subject to the penalties of 18 PA.C.S. ~4904 relating to unsworn falsification to authorities. . ~ ~~ APRIL . RR ~.o~"~ ~~ . i/j~~A" -- '",",'- ~~~ ..?..."'*-~-"""'""" I k . ~~ .'~~.~ oblo .,.- ...... ~.~ jl.,;, I .) 'if,;) , WHEN RECORDED, MAlr, TO: !, ~ c:. ~:_:::~ j~ ,~ ", _.. - .. ,..:r ;..:.::..J~ 'JI.~::~;:,_,:.:,) ~OUNTY-?~ COLONIAL NATIONAL BANK USA 16875 WEST BERNARDO DRIVE SAN DIEGO, CA 92127 ATTH: DOCUMENT CONTROL Parcel Number: '96 JRH :l PrI 3 .~~ ISpace Above This Line For Recording Datal /{~(,t.iJ.. / ;)i<> , { MORTGAGE THIS MORTGAGE ("Security Instrument") is given on CRAIG DEWITT.., and KIMBERLY M. WOODROW NKA DEWITT and SAMUELLA H WOODROW December 26, 1995 . The mortgagor is ("Borrower"). This Security Instrument is given ro COLONIAL NATIONAL BANK USA which is organized and ex.isting under the laws of UNITED STATES OF AMERICA , and whose adm~s~ C/O 16875 WEST BERNARDO DRIVE, SAN DIEGO, CA 92127 ("Lender"). Borrower owes Lender the principal sum of PORTY PIVE THOUSAND & 00/100 Dollars (U.S. $ 45,000.00 ). This debt is evidenced by Borrower's note dated the same date as this Security Instrument ("Note"), which provides for monthly -payments, with the fun debt. if not paid earlier, due and payable on January 5, 2011 . This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced under paragraph 7 to protect the security of this Security Instrument; and (c) the perfonnance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender the following described property located in Cumberland County, Pennsylvania: All that tract or parcel of land as shown on Schedule aAn attached hereto which is incorporated herein and made a part hereof. which has the address of 98 QUEEN AV , ENOI.A Pennsylvania 17025 [Zip Code) ("Propeny Address"); PENNSYLVANIA. Single Family ~ FNMA/FHLMC UNIFORM INSTRUMENT Form 3039 9/90 . -SR{PA) (9410) ,Amend'~~tt~ (!J VtolPMORTGAGeFORMS-18001521-1291Jfffl~298 f'~tt 4"fJ Palls1o!6 Inlllals:_ iI IStreet,Cityl. 11111111111111111111111111111111111 DEWITT TM027894 _~i/<HIB'T ~- "P{Y ~...Ci!iiiIJ . '_.liIll,~;"""""'I<.<tiJ~"""""",,,L~". . ..=L~_ . I. ~"'I'" '""""'-1-..-.--.- .' ~ . TOGETIIER W1.TH aU the improvements now or hereafter erected on the property, and ~l easements, appurtenances, and fixtures now or he~ a part of the property. All replacements and additions shall also be covered by this Security Instrument. AIl of the foregoing is referred to in this Security InslrUment as the "Propeny." 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 me Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encu~brances of record. THIS SECURITY INSlRU1v1ENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdicdon to constitute a unifonn security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree B:S follows: 1. Payment of Principal and Interest; Prepayment and Late Charges. Borrower shall promptly pay when due the principal of and interest on the debt evidenced by 'the Note and any prepayment and late charges due under the Note. 2. Funds for Ta~es and Insurance. Subject to applicable law or ro a written waNer by:Lender. Borrower shall pay to Lender on the day monthly payments are due under the Note, until the Note is paid in full, a sum ("Funds") for: (a) yearly taxes and assessments which may attain priority over this Security Instrument as a lien on the PropertY; (b) yearly leasehold payments or ground rents on the Property, if any; (c) yearly hazard or property insurance premiums; (d) yearly flood inSurance premiums, if any: (e) yearly mortgage insurance premiums, if any; and (0 any sums payable by Borrower to Lender, in aOCordance with the provisiqns of paragraph 8, in lieu of the payment of mortgage insurance premiums. These items are called "Escrow Items." Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amount a lender for a federally related mortgage loan may require for Borrower's escrow account under the federal Real Estate Senlenient Procedures Act of 1974 as amended from time to time, 12 V.S.C. Section 2601 et seq. ("RESPA "), unless another law' that applies to the Funds selS a lesser amount If so, Lender may, at any time, collect and hold Funds in an amount not ro exceed the lesser amount. Lender may estimate the amount of Funds due on the 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 institution whose deposits are insured by a federal agency. instrumentality, or entity (including Lender, if Lender is such an institution) or in any Federal Home Loan Bank. Lender shall apply the'Funds to pay the Escrow Items. Lender may 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 fO make such a charge. However, Lender may require Borrower ro pay a one~time charge for an independent real estate laX reporting service used by Lender in connection with this loan, unless applicable Jaw provides otherwise. Unless an agreement is made or applicable law requires interest [0 be paid. Lender shall not be' required to pay Borrower any interest or earnings on the Funds. Borrower and Lender may agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds, showing credits and debits to the Funds and the purpose for whiCh each debit (0 the Funds wa~ made. The Funds are pledged as additional security for all sums secured by this Security Inslrumenl. If the Funds held by Lender exceed the amounts permitted to be held by applicable law, Lender shall account to Borrower for the excess Funds in accordance with the requiremenl~ of applicable law. If the amount of the Funds held by Lender at any time is not sufflcient ro pay the Escrow Items when due, Lender may so notify Borrower in writing, ,and. in such case Borrower shall pay lo.'tender the amount necessary to make up the deficiency. Borrower shall make up the deficiency in no more than twelve monthly payments, at Lender's sole discretion. : ... Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. If, under paragraph 2], Lender shall acquire or sell the Property, Lender, prior to the acquisition or sale of the Propeny, shall apply llJlY Funds held by Lender at the time of acquisition or sale as a credit against the sums secured by this Security Instrumen.t 3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender under paragraphs 1 and 2 shall be applied: flISt, to any prepayment charges due under the Note; second, to amounts payable under paragraph 2; third, ro interest due; fourth, to principal due; and last, to any late charges due under the Note. 4. Chargesj LienS. Borrower shall pay all taxes, assessments, charges, fines and impositions attributable to the Propeny which may attain priority over this Security Instrument, and leasehold payments or ground rents, if any. Borrower shall pay these obligations in the manner provided in paragraph 2. or if not paid in that manner, Borrower shall pay them on time directly to Lhe person owed payment. Borrower shall promptly furnish to Lender all notices of amounts ro be paid under this paragraph. If Borrower makes these payments directly, Borrower shall promptly furnish to Lender receipts evidencing the payments. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) a.grees in writing to the payment of the obligation secured by the lien in a manner acceptable lo Lender; (b) contests in good faith the lien by, or defends against enforcement of the lien in, legal proCeedings which in the Lender's opinion operate to prevent the enforcement of the lien: or (c) secures from the holder of the lien an agreement satisfactory ro Lender subordinating the lien to this Security Instrumellt. If Lender determines that any part of the Property is subject ro a lien which may altain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the lien or lake one or more of the actions set Corth above within 10 days of the giving of notice. &.SR(PA)l9410l . Form 3e~ Inlllal~ Cp Pago2gf6 DEW'T'\ooK123S M 431 TM027894 . '" <0;'. ~ .~, . I>a;lt<illo,.......,.,t'ill"...""""b"""'"""'"'''''"''"'''''''''"Il!lItlllIi-1 ""'"""'I.................. '--'-"-""'" "'- ",' ~ ..il ~ ~~ ,. ~~ .~J -,~ - ,'~L ., . 5. Hazard or Property Insurance. Borrower shall keep the improvementS now existing or hereafter erected on the ProperlY insured against loSS by file, hazards included within the tenn "extended coverage" and any other hazards, including floods or flooding, [or which Lender tequires insurance. This insurance shall b~ maintained in the amounts and for the periods that Lender requires. The insurance carrier providing rhe insurance shall be chosep by Borrower subject to Lender's approval which shall not be unreasonably withheld. If Borrower fails to maintain cove~ge :,described above, Lender may, at Lender's option, obmin coverage [Q protect Lender's rights in rhe Property in accordance wirh paragraph 7. AU insurance policies and renewals shall be acceptable lO Lender and shall include a standard mortgage clause. Lender shall have the right 10 hold the policies and renewals. If Lender requires, Borrower shall promptly give w Lender all receipts of paid premiums and renewal notices. In the event of loss, Borrower shall 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, insurance proceeds shall be applied to restoration or repair of the Property damaged, if the restoration or repair is economically feas!ble, and Lender's security is not lessened. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied [Q the sums secured by this Security Instrument, whether or not then due, with' any excess paid to Borrower. If Borrower abandons !.he Propeny, or does not answer within 30 days a notice from Lender that rhe insurance carrier has offered to settle a claim, then Lender may collect rhe insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by rhis Security Instrument, whether or not then due. The 30.day period will begin when the notice is given. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall nOl extend or postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount of rhe payments. If under paragraph 21 the Property is acquired by Lender, Borrower's right to any insurance policies and proceeds resulting from damage to the F"roperty prior to the acquisition shall pass to Lender to the extent of ' the sums secured by this Security fnstrument immediately prior to the acquisition. 6. Occupancy, Preservation, Maintenance and Protection of tbe PropertYi Borrower's Loan Applicationi Leaseholds. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within sixty days after the execution of wis Security Instrument and shall continue [Q occupy the Property as Borrower's prinCipal residence for at least one year after the . date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless el'l.tenuating circumstances exist which are beyond Borrower's control. Borrower shall not deslroY, damage or impair the Property, a\low the Property to deteriorate, or commit waste on the Propeny.' Borrower shall be. in default if any forfeiture action or proceeding, whether civil or criminal, is begun that in Lender's good faith judgment could result in forfeiture of the Propeny or otherwise malerially impair the lien created by this Security Inslnlmen:t or Lender's security interest Borrower may cure such a default and reinstate, as provided in paragraph 18, by causing the action or proceeding to be dismissed with a ruling that, in Lender's good faith determination, precludes. forfeiture of the Borrower's interest in the Property or other material impairment of the lien created by this Security Instrument or Lender's security interes~ Borrower shall also be in default if Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with arly material information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrower's occupancy of the Property as a principal residence. If this Security Instrument is on a leasehold, Borrower shalt.c.amply 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 agree.s to the merger in writing. ." 7. Protection or Lender's Rights in the Property. If Borrower fails to perform !.he covenants and agreements contained in !his Security Instrument, or there is a legal proceeding that may significantly affect Lender's rights in the Property (such as a proceeding in bankruptcy, probale, for condemnation or forfeilure or [Q enforce laws or regulations), then Lender may do and pay for whatever is necessary to protect the value of rhe Propeny and Lender's rights in the Property. Lender's actions may include pllying any sums secured by a lien which has priority over this Security Instrumenl, appearing in coun, paying reasonable attorneys' fees and entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument Unless Borrower and Lender agree to other terms of payment, rhese amounts shall bear interest from the date of disbursement at rhe NOle rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. 8. Mortgage Insurance. ff Lender required mongage insurance as a condition of making the loan secured by this Security Instrument, Borrower shall pay the premiums required to maintain the mortgage insurance in effect. If, for any reason, the mortgage insurance coverage required by Lender lapses or ceases to be in effect, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the mortgage insurance previously in effecL, at a cost substantially equivalent to the cost to Borrower of the mortgage insurance previously in effect, from an alternate mortgage insurer approved by Lender. If substantially equivalent mortgage insurance coverage is not available, Borrower shall pay to Lender each month a sum equal to one-twelfth of the yearly mortgage insurance premium being paid by Borrower when the insurance coverage lapsed or ceased to be in effect Lender will accept, use and retain these paymenlS as a loss reserve in lieu of mortgage insurance. Loss reserve DEWIT'!: iiOOii 1138 fAtE 43.~ TM027894 Form3~3.9_~ IMltla~ C'P ~ -6R(PA)f94101 Page3016 . ~ " -,'_.....""'""""'.......,,""".,L~~ -~~"--~~-- ~:-....."~ "..._...1"'-:....... ~~.I" ."" .""1iiJ,"'i!.~.0,,,_, " ",,' payments'may no longer be required, at the option of Lender, if mortgage insurance coverage (in the amount and for the period that Lender requires) provided by an ingurer approved by Lender again becomes available and is obtained. Borrower shall pay the premiums required to maintain mortgage insurance in effect, or' to provide a loss reserve, until the requirement for mortgage insurance ends in accordance with any written agreement between Borrower and Lender or applicable law. 9. Inspection. Lender or its agent may make reasonable entries upon and inspeCtions of the Property. Lender shall give Borrower notice at the time of or prior w an inspection specifying reasonable cause for the inspection. 10. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of any pcut of the Property, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. In the event of a total taking of the Property, the proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Borrower. In the event of a partial taking of the Property in which the t&r market value of the Property immediately before the raking is equal to or greater than the amount of the sums secured by this Security Insttument immediately before the taking, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the following, fraction: (a) the total amount of the sums secured immediately before the taking, divided by {b} the fair market value of the Property immediately before the laking. Any balance shall be paid to BOITower. In the event of a partial taking. of the Property in which the fair market value of the Property immediately before the taking is less than the amount of the sums secured immediately ,before the taking, unless Borrower and Lender otherwise agree in writing or unless applicable law otherwise provides, the proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the condemnor offers to make an award or settle a claim for damages, BQl1'Ower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to coUect and apply the proceeds, at its option, either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount of such 'payments. 11. Borrower Not Released; Forbe;arance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by dtis Security Instrument granted by Lender to any successor in interest of Borrower shall not operate to telease the liability of the original Borrower or Borrower's successors in interest Lender shalt not be tequired to commence proceedings against any succeSsor in interest or 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 Borrower's successors in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. 12. Successors and Assigns Bound; Joint and Several Liability; Co.signers. The covenants and agreemems of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the provisions of paragraph 17. Borrower's covenanlS and agreements shall be joint and several. Any Borrower who co-signs this Security Instrument but does not execute the Note: (a) is co-signing this Security Instrument only to mortgage, grant and convey that BOROwer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or . rrtake any accommodations with regard to the tenns of this Security Instrument or the Note without that Borrower's consent 13. Loan Charges. If the loan secl1red by this Security Instrument is subject to a law which sets maximum loan charges, and that law is fmalty interpreted so that the interest or other loan charges collected or to be collected in connection with the loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; arid (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge under the Note. 14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law fequires use of another method. The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lendet. Any notice to Lender shall be given by first class mail to Lender's address stated herein or any other addr6Ss Lender designates by notice to Borrower. Any notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender wh.en given as provided in this paragraph. 15. Governing Lawj Severability. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other provl:!lions of this Security Instrument or the Note which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable. 4& .6R(PA)l94101 . Pag&40le Form 3'3i~ Inltiala;~ cO DEWITT _1238 f\\Gf .{,33 TIl027894 '" ~.- "' >= __k.,o-o,-, ,"_~~i......- - ",H..,""",~L= iIfj_' ~",I -~,..J....ilJW J"~, -~~ _ "'" _ ^>_, ~ k "0- ~ 16. Borrower's Copy. Borrower shall be. ~iven one c~nformed copy of the Note and of this Security Instrument. 17. Transfer of the Property or a Beneficial Interest m Borrower. If all or any part of the Property or any inlerest in it i~ sold or transferred (or if & beneficial interest in Borrower is sold or transferred and Borrower is not a nat'uraI person) without Lender's prior written consent, Lender may. at its option, require immediate payment in full of all sums sectrred by this Securitv Instrument However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security InSlI'ument If Lender exercises this option, 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 delivered or mailed 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. 18. Borrower's Right to Reinstate. If Borrower meets cerrain conditions, Borrower shall have: the right to have enforcement of this Security Instrument disc(lTltint'ed at any time prior to the earlirr of: (a) 5 days (or such other period as applicable law may specify for reinstatement) before sale of the Property pursuant 10 any power of sale con~ned in this Security Instrument; or (b) eRary of a judgment enforcing this Security Instrument. Those conditions 'are that Borrower:, (a) pays Lender all sums which then would be due under this Securily Instrument and the Note as if no at.celeration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, bUL not limiled to, reasonable attorneys' fees; and (d) takes such action as Lender may reasonably require to assur~ that the lien of thi~ Security Inslrument, Lender's rights in the Property and Borrower's obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this SecuriW Instrument and the !obligations secured hereby shall remain fully effective as if no accderation had occurred. However, this right to reinstate shall not:apply in the case of acceleration under paragraph 17. 19.5aleofNotejChangeofLoanServicer. The Note or a partial interest in the Note (together,with this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change ip the entity (known as the "Loan Servicer") that collects monthly pe.yments due under the Note and this Security Instrument. There; also may 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 in accordance with paragraph 14 above and applicable law. The notice will state the name and address of U1e new Loan Servicer and the address to which paymenrs should be made. The notice will also contain any other information required by applicable law, 20. Hazardous Substances. Borrower shall not cause or pennit the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, u~, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to nonnal residential uses and to maintenance of the Property. Borrower shall promptly give Lender written notice of any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge. If Borrower learns, or is notified by any governmental or regulatory authority, that any removal or other remediation of any HazardouS Substance affecting lhe Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. As used in this paragraph 20, "HazardouS Substances" are those substances defined as toxic or hazardous substances by Environmental Law and the following subst3Jlces: ga~oline., kerosene, other flammable or toxic petroleum produCL~. toxie pesticides and herbicides, volatile solvents, marerials containing asbestos or formaldehyde, and radioactive materials. As used in this paragraph 20, "Environmental Law" meanS federal laws and laws of the jurisdiction where the Property is located that rclate to health, safety or environmental protection. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: .... 21. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach Ill' any.covenant or agreement in this Security Instrument (but not prior to acceleration under paragraph 17 unless applicable law provides otherwise). Lender shall notify Borrower of, among other things: (a) the default; (b) the action required to cure 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 of :1 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 imm,ediate payment in full of all sums secured b~' this Security Instrument without further demand and may foreclose this, Security Instrument by judicial proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this paragraph 21, including, but not limited to, attorneys' fees and costs of title evidence to the extent permitted by applicable law, 22. Release. Upon paymenl of all sums secured by this Security Instrument, this Security Instrument and the estate conveyed shall terminate and become void, After such occurrence, Lender shall discharge and satisfy this Security Instrument without charge to Borrower. Borrower shall pay any recordation costs. 23. Waivers. Borrower, to the extent permitted by applicable law, waives and releases any error or defects in proceedings to enforce this Security Instrument, and hereby waives the benefit of any present or future laws providing for stay of execution, extension of time, exemption from atlachment, levy and sale, and homestead exemption. .. -6R(PA)(94HIJ . Page5g18 Form 3039...~./ l~itl~ DEWITT iOiK 1?lJ8 M 434 TM027894 co . ~ ....,..,~-'..~ "..~,-~l=I'li~,."'~ " ,~ 1.- -,.g."'~_.:l2.'_ ~ 24. Reinstatement Period. BOIT(>w'er's time to reinstate provided in paragraph 18 shall extend to one hour prior La the commencement of bidding at a sheriff's sale or other sale pursuant to this Security Instrument 25. Purchase Money Mortgage. If any of the debt secured by this Security Instrument is lent to Borrower to acquire tit.le to the Property, this Security Insnument shall be a pW'Chase money mortgage. 26. Interest Rate After Judgment. Borrower agrees that the interest rate payable after a judgment is entered on the NOle or in an action of mortgage foreclosure shall be the rate payable from time to time under the Note. 27. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants and agreements of each such rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as jf the rider(s) were a part of this Security Instrument [Check applicahle box(es)] o Adjustable Rate Rider o Gradualed Payment Rider D Balloon Rider o VA Rider o Condominium Rider o Planned Unit Development Rider o Rate Improvement Rider o Other(s) [specify] o 1-4 Family Rider o Biweekly Payment Rider D Second Home Rider BY SIGNING BELOW. Borrower accepts and agrees to the tenns and covenants contained in this Security Inslrument and in anr rider(s) executed by Borrower and .recorded with it ~p WllnesSes: (Seal) CRAI DEWITT -Borrower . ~.~ "/('[~'?d'''if (Seal) ~~~o;ri~ow ITT -Borrower (Seal) -Borrower Z(mIUt- t:-/J);In/;W l.AMUELLA H WOODROW (Seal) -Borrower Certificate of Residence I, ":J\l\'G"~\......... \he w.i.Utin-named Mortgagee is Ii:.'b'f')'l W...rt (l.Pr'O <...J. 0.. ~ D' C4 '1'<>.1 I) " .,. ~ ~ '~ ! A.,"'of~.,." COMMONWEALTH OF PENNSYLVANIA, L...... CAl(.f..>.,r- Connty ss: Onthis,the ;:).(; day of t:\"C-__\:,"r . \ q~" ,beforeme,theundersignedofftcer. personally appeared C~q;~ {)a.v:H- ".....I k;....~4I'\ 1"1. l.).,ltlrO>l ~kA ae",i.J+ ""J .fqW\l..(.e.llo.. 1/.. ~ood(t?>.J ,., known to me (or satisfactorily prov~_~~~ person f whose name { subscnbed to the wlthm mstrument and acknowledged that . ..,,1':;:::" ,;:',"'~...r-~_7' executed the same for the purposes herein contained. ,.......l'~/ ..... !-~!::.., ......,, !f,,pfr IN WITNESS WHEREOF, I hereunto set my hand and official seal. "" ~""'~~";":'"'~',;,~.o.-:. "r, ~ My Commission Expires: :: ,.,.,.:.:..:--~::.~ .'". .;.~\."..... , do hereby certify that the correct address or ... Wimess my hand this Tille of Officer JeffreyL E~~~~~~;'. East-Hem 'sid ., Lancaster County m on res " , 98 Merrber,~Asscclaticr>dN0tari8s Form 3039 9/90 .. -6R(PA)l94tC) . Page6016 DEW]:TT BOOK 1298 PAGt 4:J51l27894 (13Q) ~ .. ......,,.,........."'""'"',_L - il"',U..:>c:.HI"',Ln '. / . / . ,/' . /" rd;,~,'J.c..i.I.',",-':'.:.lV~.;1.;. .l.iC""': _(, ~':.- ..l." ,_,;. PSI\-7982 ALL 'l'IIAT CERrAIN piece or paICel.of land situate 111 the'TOwrishtp of East. Pannsboro"C<1untf of C_rland, and Cannomlea1th. of PannsylYMia, more patt:icularly bouOOed an! described. as f.ollows. 'to wit., . BEGINN:IN::: at a pomt on the Southern side of. ()1OOnAveilue (S8..feet wide) at. the northem comer of Lot No..l on. the hereinafter. mentioned Plan of IDts; t:henc& by ..()Ieen ilvenue,' North .68. degrees 38 minUtes East, a dis~ of twentY' (28,80) feet lOb a poiQt.at r<>t No. 3 .onsaid Paln, thence by tOt No.3, SOUth 21 dogrees'38 minutes !ast, a. distance of Ole huOOred fifty (158.90) feet to.a point.on a Ufteen (15) feet. wide alley; thence by ...id fiflleen (15) foot alley., SOUth 68 6egrees 311.minutes WeSt, .. distll1Ce.of tweilty(28.88l .feet to a distance of One. huOOred fifty (158.811' feet to .a pomt, the PLlICE a BmINNJNG. . . '. . BE:mi lDt No.2 on a Final SUbdiviSion Plan for Robert D.' and lXl!Uia R Leirenring made by . D.P.' ~fensp"ger' Associates, Clmp Hill, PelD1sylvania, and recooled.in CUnberland COUnty Plan llo~. 34, Page 77. IIAVIN:l 'I1IEimlN ~m a townhOOse.aixJ n_red 98 \)leen' Avenue. BE:mi nlE SlIME PlIDIJSES which WilJaol L. Barnop anl carole A. BaDt<>n, 'a/k/a Carole A. C'4'I?' by. Deed elated Jlme 22,1989 an! recorded J\Jne 23, 1989 in eunberlan! Colinty Deed Book A34, .l'age 211, granted and conveyed unto David S. WJoorow, Samle1la H. WJoor<JWand IUntlerly M. WJoorow. Whereas the said David S. WJcdrow departed this life on whereby title to the "?"ve' pranises became vested .in his surviving heirs. Whereas the .said Kinberly M. li:>cdrow has since internerried and is also "'kiiOlin as IUntlerly M. 'i<<>oorw Craig, a/~/a1Untlerly M. 'i<<>oorow-<:raig. .,r'''' ,,~f~~l ". '. ~_~~~i\t~~~i';:pI~:\'. . ,,,,,.;i~.. ...."./ . ".i',,,,,,"e,~. ,,~.~F!o.." ~ ~."...~,~":\:.~.r"'r;"~~-;;,":~i'_;".l: . ~ "-,...' Ii f"'... ..'"'}.-.. .J~" ,- , ~..1' "fJ-,'"#.''':>Ir~~~~ ......:;;.,..'11 ."",..~,~-""fJ,,*, . ~:~~~;~jJ:~ ... ,.', of Pennsylvania } . . '~ty of Cumberland 55 .. rded in the office tor tha recording of OeMs ~.. dtor~rljl,ndCounty, . '. eoo~~ Vol. _ Page' ':':" my Mnd and geal of office 0 . q; . ;";;:;:;..4, PA thIs..... day 1~ . ~' ....,......~ aOOK 1298 PAGE 4-3fl . ~4rF ~, . ~" ~~,-~,,'~'II,.-I .__,li ~ I~ ~,~ &t!t1lH!l1:&l~,,"_ ~ ADVANTA' Advanta Mortgage Po. Box 509011 San Diego, CA 92150-9011 10790 Rancho Bernardo Road San Diego, CA 92127 CRAIG DEWITT 98 QUEEN AV ENOLA PA 17025 DATE: August 7, 2000 RE: Loan number 1836592 NOTICE OF INTENT TO FORECLOSE ON MORTGAGE YOU ARE IN DEFAULT OF YOUR OBLIGATION TO YOUR LENDER, the present holder of the Note and Mortgage referenced by the above identified loan number. ADVANTA Mortgage Corp. USA is the servicing agent for the holder authorized to act on its behalf. YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO PAY installments of $555.95 each, commencing June 05, 2000 and subsequent installments thereafter. Late charges have also' accrued to this date. Late charges are assessed if the monthly payment is not received within the grace period set forth in your Note. Your monthly late charge is $28.79. Other charges may have also accrued which are due in order to cure your loan. AS OF THE DATE OF THIS LETTER, THE TOTAL AMOUNT NECESSARY TO CURE THE DEFAULT IS AS FOLLOWS: Payments of $555.95 each commencing June 05, 2000 through August 05, 2000: (Corporate Advances included) $ Current Late Charges $ Deferred Late Charges $ CUrrent Return Check Fees $ Deferred Return Check Fees $ Advances by Servicer $ Advances by Investor $ LESS: Partial Payments/Forbearance $ Misc. Unapplied Funds $ TOTAL AMOUNT TO CURE DEFAULT: $ 1,696.74 57.58 .00 .00 .00 60.88 .0 0 .00 .00 1,815.20 YOU MAY CURE THIS DEFAULT within 30 days of the date of this letter by paying to us the amount of $1,815.20 plus additional installment payments that come due and any late charges and other charges or fees which have accrued or have been paid on your behalf during that time. Such payment must be made in the the form of cash, certified or bank check, or money order, payable to ADVANTA Mortgage corp. USA and delivered to the following address: ~ ADVANTA Mortgage Corp. USA >1.... a.:. Collection Dept. #350 .'~. 10790 Rancho Bernardo Rd. ~ San Diego CA 92127 ~~ If you do not cure the default within 30 days, we intend to ~ ' exercise our right to accelerate the mortgage. This meanS~hat whatever is owing on the original amount borrowed will considered due immediately and you will lose the chance to pa the original mortgage in monthly installments. If you do ~ ~ the default within 30 days, we intend to i~struct our atto" s~:o> start a lawsuit to foreclose on the mortgaged premises. dhe mortgage is foreclosed upon, your mortgaged property will be sold by the County Sheriff to payoff the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up LT-LTR14A-05 ~' " ~, ~~ ~"',~," "~L-..~ ......~, ~.I -. " -".' - t'.! , :1 " 'i I 'I ! V" AOVANTAo Advanta Mortgage p.o. Box 509011 San Diego, CA 92150-9011 10790 Rancho Bemardo Road San Di!:go, CA 92127 NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT CRAIG DEWITT PAGE TWO It is only necessary to should advise ADVANTA intentions. schedule one face-to-face meeting. You Mortgage Corp. USA immediately of your 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 Homeowners' Emergency Assistance Application with the Pennsylvania Housing Finance Agency. The consumer credit counseling agency will assist you in filling out your application. It must be filed or postmarked within 30 days of your face-to-face meeting. You must either mail your application to the Pennsylvania Housing Finance Agency. or you must file it at the office of one of the attached designated consumer credit counseling agencies listed on the attachment to this Notice. The Pennsylvania Housing Front Street, P.O. Box Telephone Number (717) number) . Finance Agency is located at: 2101 North 8029, Harrisburg, Pennsylvania 17105. 780-3800 or 1-800-342-2397 (toll free An application for assistance may be obtained from a consumer credit counseling agency or directly from the Pennsylvania Housing Finance Agency. It is extremely important that you file your application promptly. If you do not do so, or if you do not follow the other time periods set forth in this letter, foreclosure may proceed against your home immediately. Available funds for emergency mortgage assistance are very limited. . They will be disbursed by the Agency under the eligibility criteria established by the Act. It is extremely important that your application is accurate and complete in every respect. The counseling agency will help you to fill out the application. The Pennsylvania' Housing Finance Agency has 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. La notificacion en adjunto es de suma importancia, pues affecta su derecho a continuar viviendo en su casa. Si no comprende el contenido de eeta notificacion obtanga una traducion immediatamente llamando esta agencia (Pennsylvania Housing Finance Agency) sin cargos al numero mencionado arriba. Puedes ser eligible para un prestamo par el programa llamando "Homeowner's Emergency M9rtgage Assistance Program" e1 cual puede sa1var su cas a de la perdida del derecho a redimir su hipoteca. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ALL INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Collection Department #350 ADVANTA Mortgage Corp. USA Attachment: Consumer Credit Counseling Agencies WP12/ACT91BP File Copy LRTR14A-OS 'V" ADVANTA' LT-I.TR'''A.O~ " ~- .'. '.~,....I., ~ ~~"~ . I'. ." Cumberland County CONSUMER CREDIT COUNSELING AGENCIES Consumer Credit Counseling Service of Western Pennsylvania, Inc. 2000 Linglestown Road Ilarrisburg, PA 17102 (717) 541-1757 Financial Services Unlimited 117 West 3rd Street Waynesboro, PA 17268 (717) 762-3285 Urban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, PA 17101 (717) 234-5925 FAX # (717) 232-4985 YMCA of Carlisle 301 G Street Carlisle, PA 17013 (717) 243-3818 FAX # (717) 243-3948 I1.l 3' I1.l '" '" .. RETlIRN RECEIPT SERVICE ',."\, SENT TO: POSTAGE I'lESTRlCTEODEUVEI'W CERTlFiEOFEE+AETURtlAECEIPT lQTALI'OSTAGEANOrEES OlOHORfNTERNAl101'lAl.MAll. ,oC,\' '-"."-', ',0""_._ t'i';:I' o I" .. '" ',,', 1'" ,', l./ -::' PS FORM 3800 US Postal Service Receipt for Certified Mail ...i-.~I Advanta Mortgage p.o. Box 509011 San Diego. CA B21S0-goj f 10790 Ranc/l0 Bernardo Road San Diego, CA 92127 g w " o ~~ ~~ o. ". g~ \at'i "" We ~o u~ !;G we ~~ ~ ~ o " ~ '" ..ilL'. i~!l.'iIt,; ,;,,'.- ~,,,,.<..=,~, .L~,. .=_"'~~. J, ~ ADVANTAo -....;:..tJ..i. " ~- "" -~~. ~i'{" Advanta Mortgage p.o. Box 5090'11 San Diego, CA 92150-9011 10790 Rancho Bernardo Road San Diego, CA 92127 DATE: August 7, 2000 CRAIG DEWITT 98 QUEEN AV ENOLA PA 17025 RE: Loan number 1836592 IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS. Your mortgage is in default because you have failed to pay promptly installments due for a period of at least 60 days. YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO PAY $555.95 each due 6/05/00 and monthly thereafter charges. AS OF THE DATE OF THIS LETTER YOU ARE FOLLOWS: Payments of $555.95 each for June 05, 2000 through August 05, 2000: (Corporate Advances inCluded) Current Late Charges Deferred Late Charges Current Return Check Fees Deferred Return Check Fees Advances by Servicer Advances by Investor LESS: Partial Payments/Forbearance Misc. Unapplied Funds TOTAL DEFAULT: installments of as well as other IN DEFAULT AS $ 1,696.74 $ 57.58 $ .00 $ .00 $ .00 $ 60.88 $ .0 0 $ .00 $ .00 $ 1,815.20 You may be eligible for financial assistance that will prevent foreclosure on your mortgage if you comply with 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 contraIl and if you meet the eligibility requirements of the Act as determined by the Pennsylvania Housing Finance Agency. please read all of this Notice, it contains an explanation of your rights. Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for 30 days from the date of this Notice. During that time you have the right to arrange a "face-to-face" meeting with a representative of ADVANTA Mortgage Corp. USA, or with a designated consumer credit counseling agency. The purpose of that meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency. That meeting must occur in the next 30 days. If you attend a face-to-face meeting with ADVANTA Mortgage Corp. USA, or with a consumer credit counseling agency identified in this Notice, no further proceeding in mortgage foreclosure may take place for 30 days after the date of that meeting. You can contact a representative of ADVANTA Mortgage Corp. USA by telephoning our toll free number (800) 548-7916 between the hours of 5:00 a.m. and 8:00 p.m. Monday, 6:00 a.m. and 3:00 p.m. Saturday and 6:00 a.m. and 12:00 p.m. Sunday, Pacific Standard Time. The name(s), address (es) and telephone number(s) of (a) designated consumer credit counseling agency(ies) is (are) attached. LT-LTR1J.A.05 "...' ~ ~'~'~"'="M>"""",",,~~~- .....' -..J.... J. ~" . ~fl~ " ~ ADVANTA" NOTICE OF INTENT TO FORECLOSE ON MORTGAGE CRAIG DEWITT Page Two Advanta Mortgage p.o. Box 509011 San Diego, CA 92150.9011 10790 Rancho Bemardo Road San Die90, CA 92127 to $50. However, if leg~l proceedings are started against you, you will have to pay the actual incurred reasonable attorney's fees, even if the fees are more than $50. All attorney's fees will be added to whatever amount you owe us, which may also include our reasonable costs. IF YOU CURE THE DEFAULT WITHIN THE THIRTY-DAY PERIOD YOU WILL NOT BE REQUIRED TO PAY ATTORNEY'S FEES. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. However, if you have filed a bankruptcy and this mortgage debt was discharged, we cannot sue you personally. If you have not cured the default within the 30 day period and foreclosure pr~eeding8 have begun, you will have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's foreclosure sale. You may do so by paying the total amount of the unpaid amount due plus any interest and late or other charges then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale (and perform any other requirements under the mortgage) . It is estimated that the earliest date that such a Sheriff's Sale of your Premises could be held would be approximately 90 days from the date foreclosure preceedings begin. This is just an estimated date. 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 will be by calling us at (800) 548-7916, between the hours of 5:00 a.m. and 8:00 p.m. Monday through Friday, 6:00 a.m. and 3:00 p.m. Saturday and 6:00 a.m. and 12:00 p.m. Sunday, Pacific Standard Tims. You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff's Sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THIS DEBT. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. YOU HAVE THE RIGHT TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PREMISES SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WOULD CURE THE DEFAULT AND ASSUME THE MORTGAGE DEBT PROVIDED THAT ALL OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE TIME OF SALE. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. If you cure the default, the mortgage will be restored to position as if no default had occurred. However, you entitled to cure a default more than three times in any year. the same are not calendar Collection Department ~350 ADVANTA Mortgage Corp. USA WP12/ACT6BPF File Copy LRTR,AA-05 '~ . ~ -.." _I" ~ 'V' ADVANTAo ~_",o.;......J~ ~ ~, ~'Li!I!llli!!EijM Advanta Mortgage RD. Box 509011 San Diego, CA 92150.9011 10790 RanclJo Bernardo Road San Diego, CA 92127 DATE: August 7, 2000 CRAIG DEWITT 10 AUSTEL DR MARYSVILLE PA 170539798 RE: Loan number 1836592 IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS. Your mortgage is in default because you have failed to pay promptly installments due for a period of at least 60 days. YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO PAY $555.95 each due 6/05/00 and monthly thereafter charges. AS OF THE DATE OF THIS LETTER YOU ARE FOLLOWS: Payments of $555.95 each for June 05, 2000 through August 05, 2000: (Corporate Advances inclUded) Current Late Charges Deferred Late Charges CUrrent Return Check Fees Deferred Return Check Fees Advances by Servicer Advances by Investor LESS: Partial Payments/Forbearance Misc. Unapplied Funds TOTAL DEFAULT: installments of as well as other IN DEFAULT AS $ 1,696.74 $ 57.58 $ .00 $ .00 $ .00 $ 60.88 $ .0 0 $ .00 $ .00 $ 1,815.2,0 You may be eligible for financial assistance that will prevent foreclosure on your mortgage if you comply with 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, and if you meet the eligibility requirements of the Act as determined by the Pennsylvania Housing Finance Agency. Please read all of this Notice, it contains an explanation of your rights. Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for 30 days from the date of this Notice. During that time you have the right to arrange a "face-to-face" meeting with a representative of AOVANTA Mortgage Corp. USA, or with a designated consumer credit counseling agency. The purpose of that meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency. That meeting must occur in the next 30 days. If you attend a face-to-face meeting with ADVANTA Mortgage Corp. USA, or with a consumer credit counseling agency identified in this Notice, no further proceeding in mortgage foreclosure may take place for 30 days after the date of that meeting. You can contact a representative of ADVANTA Mortgage Corp. USA by. telephoning our toll free number (800) 548-7916 between the hours of 5:00 a.m. and 8:00 p.m. Monday, 6:00 a.m. and 3:00 p.m. Saturday and 6:00 a.m. and 12:00 p.m. Sunday, Pacific Standard Time. The name(s), address (es) and telephone number(s) of (a) designat~d consumer credit counseling agency(ies) is (are) attached. LT-LTR14A-05 . ".-~ ,::-J ~~~ ,,"",''''_~~_~~ ,I , . _I ~ ADVJlNTA' Advanta Mortgage p.o. Box 509011 San Diego, CA 92150.9011 10790 Rancho Bf'imlilrdo Road San Diego. CA 92127 EMERGENCY MORTGAGE ASSISTANCE ACT NOTICE OF HOMEOWNERS' CRAIG' DEWITT PAGE TWO It is only nec,essary to should advise ADVANTA intentions. schedule one face-to-face meeting. You Mortgage Corp. USA immediately of your 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 Homeowners' Emergency Assistance Application with the Pennsylvania Housing Finance Agency. The consumer credit counseling agency will assist you in filling out your application. It must be filed or postmarked within 30 days of your face-to-face meeting. You must either mail your application to the Pennsylvania Housing Pinance Agency or you must file it at the office of one of the attached designated consumer credit counseling agencies listed on the attachment to this Notice. The Pennsylvania Housing Front ,Street, P.O. Box Telephone Number (717) number) . Finance Agency is located at: 2101 North 8029, Harrisburg, Pennsylvania 17105. 780-3800 or 1-800-342-2397 (toll free An application for assistance may be obtained from a consumer credit counseling agency or directly from the Pennsylvania Housing Finance Agency. It is extremely important that you file your application promptly. If you do not do so, or if you do not fo~low the other time periods set forth in this letter I foreclosure may proceed against your home immediately. Available funds for emergency mortgage assistance are very limited. They will, be disbursed by the Agency under the eligibility criteria established by the Act. It is extremely important that your application is accurate and complete in every respect. The counseling agency will help you to fill out the application. The Pennsylvania Housing Finance Agency has 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. La notificacion en adjunto es de surna importancia, pues affecta eu derecho a continuar viviendo en eu casa. Si no comprende el contenido de esta notificacion obtanga una traducion irnmediatamente llamando esta agencia (Pennsylvania Housing Finan6e Agency) sin cargos al numero mencionado arriba. Puedes eer eligible para un prestamo por e1 programa 11amando IIEomeowner's Emergency Mortgage Assistance program II e1 oual puede sa1var su casa de la perdida del derecho a redimir su hipoteca. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ALL INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Collection Department #350 ADVANTA Mortgage Corp. USA Attachment: Consumer Credit Counseling Agencies WP12/ACT91BM File Copy '_T_LTR14A_05 - !iA1i rOok'; -00 ~~~~ ", -~_ "'_ .L ~ ADVANTA' LT'LTR14.H15 ~ "<~ , JI I;,~ Advanta Mortgage p.o. Box 509011 San Diego. CA 92150-901f 10790 Rancho Bernardo Road San Diego, CA 92127 CUmberland County CONSUMER CREDIT COUNSELING AGENCIES Consumer Credit Counseling Service of Western Pennsylvania, Inc. 2000 Linglestown Road Harrisburg, PA 17102 (717) 541-1757 Financial Services Unlimited 117 West 3rd Street Waynesboro, PA 17268 (717) 762-3285 Urban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, FA 17101 (n 7) 234-5925 FAX # (717) 232-4985 YMCA of Carlisle 301 G Street Carlisle, PA 170~3 . (n 7) 243-3818 FAX # (717) 243-3948 i ----------_____ , :r "- ~, RETURN RECEIPT SERVice POSTA!)E U] U] ... SENT TO: I'lE5TIlICTEr;>OELIVERY CERTlFIEllfEE+RETURNI'lECEIPT TOrALPOSTAGEANOFEES , , NOrFOIl1I'ITEFiNATlONALMAll. '; ,., '. ,~ ~ CI i.\, '.' .,1 :11__1.. "- ... c. ~f~:,:t,~;.. PS FORM 3800 US Postal Service ;;",:,;' -'---.--------- ._ 'c:;~ POSTMARK OR DATE ~ ~ ~ ".",( 2...' -.-.-'--.-.-.-.-.-----.--.-- ,~ .~-,~- -':!" __ ~ ,_~~" ~m - _...""",1". "~ ... Ij _i . ~ ADVANTA Advanta Mortgage p.o. Bex 509011 San Diego. CA 92150-9011 lOr90 Rancho Bsmardo Road San Diego. CA 9212r (858) 676-3099 DATE: August 7, 2000 CRAIG DEWITT 10 AUSTEL DR MARYSVILLE PA 170539798 RE: Loan number 1836592 NOTICE OF INTENT TO FORECLOSE ON MORTGAGE YOU ARE IN DEFAULT OF YOUR OBLIGATION TO YOUR LENDER, the present holder of the Note and Mortgage referenced by the above identified loan number. ADVANTA Mortgage Corp. USA is the servicing agent for the holder authorized to act on its behalf. YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO PAY installments of $555.95 each, commencing June 05, 2000 and subsequent installments thereafter. Late charges have also accrued to this date. Late charges are assessed if the monthly payment is not received within the grace period set forth in your Note. Your monthly late charge is $28.79. Other charges may have also accrued which are due in your loan. AS OF THE DATE OF THIS LETTER, THE NECESSARY TO CURE THE DEFAULT IS AS FOLLOWS: order to cure TOTAL AMOUNT Payments of $555.95 each commencing June OS, 2000 through August OS, 2000: (Corporate Advances inclUded) $ Current Late Charges $ Deferred Late Charges $ Current Return Check Fees $ Deferred Return Check Fees $ Advances by Servicer $ Advances by Investor $ LESS: Partial Payments/Forbearanoe $ Misc. Unapplied Funds $ TOTAL AMOUNT TO CURE DEFAULT: $ ~,696.74 57.58 .00 .00 .00 60.88 .0 0 .00 .00 1,815.20 YOU MAY CURE THIS DEFAULT within 30 days of the date of this letter by paying to us the amount of $~,815.20 plus additional installment payments that come due and any late charges and other charges or fees which have accrued or have been paid on your behalf during that time. Such payment must be made in the the form of cash, certified or bank check, or money order, payable to ADVANTA Mortgage Corp. USA and delivered to the following address: ADVANTA Mortgage Corp. USA Collection Dept. #350 10790 Rancho Bernardo Rd. San Diego CA 92127 If you do not cure the default within 30 days, we intend to exercise our r~ght to accelerate the mortgage. This means that whatever is ow~ng on the original amount borrowed will be considered due immediately and you will lose the chance to payoff the original mortgage in monthly installments. If you do not cure the default within 30 days, we intend to instruct our attorneys to start a lawsuit to foreolose on the mortgaged premises. If the mortgage is foreclosed upon, your mortgaged property will be sold by the County Sheriff to payoff the mortgage debt. If we refer your case to our attorneys, but you cure the default before they LT.LTR1~A.05 - -~". '[ ~ ~'~ffilN ~~ . ~ ..._~ -,...,,"~, "~.......I -- . I'. Ji .. , -.' .Y';j: -..:I ADVIINTA Advanta Mortgage po. Box 509011 NOTICE OF INTENT TO FORECLOSE ON MORTGAGE San Diego. CA 92150-9011 CRAIG DEWITT 10790 RanclJo Bernardo Road page Two Si:ln Diego, CA 92127 begin legal proceedings ,against you, you will still h~676-~ pay the reasonable attorney1s fees, actually incurred, up to $50. However, if legal proceedings are started against you, you will have to pay the actual incurred reasonable attorney's fees, even if the fees are more than $50. All attorney's fees will be added to whatever amount you owe UB, which may also include our reasonable costs. IF YOU CURE THE DEFAULT WITHIN THE THIRTY-DAY PERIOD YOU WILL NOT BE REQUIRED TO PAY ATTORNEY'S FEES. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. However, if you have filed a bankruptcy and this mortgage debt was discharged, we cannot sue you personally. If you have not cured the default within the 30 day period and foreclosure proceedings have begun, you will have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's foreclosure sale. You may do so by paying the total amount of the unpaid amount due plus any interest and late or other charges then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale (and perform any other requirements under the mortgage) . It is estimated that the earliest date that such a Sheriff's Sale of your Premises could be held would be approximately 90 days from the date foreclosure preceedinge begin. This is just an estimated date. 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 will be by calling us at (800) 548-7916, between the hours of 5:00 a.m. and 8:00 p.m. Monday through Friday, 6:00 a.m. and 3:00 p.m. Saturday and 6:00 a.m. to 12:00 p.m. Sunday, Pacific Standard Time. You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff's sale, a lawsuit could be started to evict you. You have additional .rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THIS DEBT. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. YOU HAVE THE RIGHT TO BORROW MONEY FROM ANOTHER t.ENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELt. OR TRANSFER THE PREMISES SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WOULD CURE THE DEFAULT AND ASSUME THE MORTGAGE DEBT PROVIDED THAT ALL OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE TIME OF SALE. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MrGHT EXIST. If you cure the default, the mortgage will be restored to position as if no default had occurred. However, you entitled to cure a default more than three times in any year. the same are not calendar Collection Department #350 ADVANTA Mortgage Corp. USA WP12/ACT6BMF File Copy LT.LTR'I.jA-05 "~,",,,,~,.' ,...,,~" "''''''''''''''-'-'''"""....[,,-..... ~..J -L.. ~ I ~.. ~~": 'V' AOVANTA Advanta Mortgage p.o. Box 509011 San Diego, CA 92150-9011 10790 Rancho Bernardo Road San Diego, CA 92127 KIMBERLY M DEWITT 98 QUEEN AV ENOLA PA 17025 DATE: August 7, 2000 RE: Loan number 1836592 IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS. Your mortgage is in default because you have failed to pay promptly installments due for a period of at least 60 days. YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO PAY $555.95 each due 6/05/00 and monthly thereafter charges. AS OF THE DATE OF THIS LETTER YOU ARE FOLLOWS: installments of as well as other IN DEFAULT AS Payments of $555.95 each for June 05, 2000 through August 05, 2000: (Corporate Advances included) CUrrent Late Charges . Deferred Late Charges Current Return Check Fees Deferred Return Check Fees Advances by Servicer Advances by Investor LESS: Partial payments/Forbearance Misc. Unapplied Funds TOTAL DEFAULT: $ 1,696.74 $ 57.58 $ .00 $ .00 $ .00 $ 60.88 $ .0 0 $ .00 $ .00 $ 1,815.20 You may be eligible for financial assistance that will prevent foreclosure on your mortgage if you comply with the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the IIActll). You may be eligible for emergency temporary assistance if your default has been caused by circumstances beyond your control, and if you meet the eligibility requirements of the Act as determined by the Pennsylvania Housing Finance Agency. Please read all of this Notice, it contains an explanation of your rights. Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for 30 days from the date of this Notice. During that time you have the right to arrange a nface-to-face" meeting with a representative of ADVANTA Mortgage Corp. USA, or with a designated consumer credit counseling agency. The purpose of that meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency. That meeting must occur in the next 30 days. If you attend a face-to-face meeting with ADVANTA Mortgage Corp. USA, or with a consumer credit counseling agency identified in this Notice, no further proceeding in mortgage foreclosure may take place for 30 days after the date of that meeting. You can contact a representative of ADVANTA Mortgage Corp. USA by telephoning our toll free number (800) 548-7916 between the hours of 5:00 a.m. and 8:00 p.m. Monday, 6:00 a.m. and 3:00 p.m. Saturday and 6:00 a.m. and 12:00 p.m. Sunday, Pacific Standard Time. The name(s), address (es) and telephone number(s) of (a) designated consumer credit counseling agency(ies) is (are) attached. LT-LTFl14A-QS '-f'" "'-'..-- "",~I, .1...:........, .i-"~ = - ~ ADVANTA. Advanta Mortgage p.o. Box 509011 SCin Diego, CA 92150-9011 10790 RCinclJo Bernardo Road San Diego. CA 92127 EMERGENCY MORTGAGE ASSISTANCE ACT NOTICE OF HOMEOWNERS' KIMBERLY M DEWITT PAGE TWO It is only necessary to schedule one face-to-face meeting. You should advise ADVANTA Mortgage Corp. USA immediately of your intentions. 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 Homeowners' Emergency Assistance Application with the Pennsylvania Housing Finance Agency. The consumer credit qounseling agency will assist you in filling out your application. It must be filed or postmarked within 30 days of your face-to-face meeting. You must either mail your application to the Pennsylvania Housing Finance Agency or you must file it at the office of one of the attached designated consumer credit counseling agencies listed on the attachment to this Notice. The Pennsylvania Housing Front Street, P..C. Box Telephone Number (717) number) . Finance Agency is located at: 2101 North 8029, Harrisburg, Pennsylvania 17105. 780-3800 or 1-800-342-2397 (toll free An application for assistance may be obtained from a consumer credit counseling agency or directly from the Pennsylvania Housing Finance Agency. It is extremely important that you file your application promptly. If you do not do so, or if you do not follow the other time periods set forth in tpis letter, foreclosure may proceed against your home immediately. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. It is extremely important that your application is accurate and complete in every respect. The counseling agency will help you to fill out the application. The Pennsylvania Housing Finance Agency has 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. La notificacion en adjunto es de suma importancia, pues affecta eu derecho a continuar viviendo en su casa. 8i no comprende el contenido de esta notificacion obtanga una traducion immediatamente llamando esta agencia (Pennsylvania Housing Finance Agency) sin cargos al numero mencionado arriba. puedes ser eligible para un prestamo par e1 programa llamando "Homeowner's Emergency Mortgage Assistance program" e1 cual puede salvar su cas a de la perdida del derecho a redimir su hipoteca. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ALL INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Collection Department #350 ADVANTA Mortgage Corp. USA Attachment: Consumer Credit Counseling Agencies WP12!ACT91CM File Copy LT.LTR14".05 ~ I~i,'" "rBiil -._~ ~'"""""~",""'i,---,L.,,,--,,",,",,,-~jl' ' J.: '41 ADVANTA ,J ~, Advanta Mortgage p.o. Box 509011 San Diego, CA 92150.9011 10;90 Rancho Bernardo Road San Diego, CA 92127 DATE: August 7, 2000 KIMBERLY M DEWITT 98 QUEEN AV ENOLA PA ~7025 RE: Loan number 1836592 NOTICE OF INTENT TO FORECLOSE ON MORTGAGE YOU ARE IN DEFAULT OF YOUR OBLIGATION TO YOUR LENDER, the present holder of the Note and Mortgage referenced by the above identified loan number. ADVANTA Mortgage Corp. USA is the servicing agent for the holder authorized to act on its behalf. YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO PAY installments of $555.95 each, commencing June 05, 2000 and subsequent installment.s thereafter.. Late charges have also accrued to this date. Late charges are assessed if the monthly payment is not received within the grace period set forth in your Note. Your monthly late charge is $28.79. Other charges may have also accrued which are due in order to cure your loan. AS OF THE DATE OF THIS LETTER, THE TOTAL AMOUNT NECESSARY TO CURE THE DEFAULT IS AS FOLLOWS: Payments of $555.95 each commencing June 05, 2000 through August 05, 2000: (Corporate Advances included) $ Current Late Charges $ Deferred Late Charges $ Current Return Check Fees $ Deferred Return Check Fees $ Advances by Servicer $ Advances by Investor $ LESS: Partial Payments/Forbearance $ Misc. Unapplied Funds $ TOTAL AMOUNT TO CURE DEFAULT: $ 1,696.74 57.58 .00 .00 .00 60.88 .0 0 .00 .00 1,8~5.20 YOU MAY CURE THIS DEFAULT within 30 days of the date of this letter by paying to us the amount of $~,815.20 plus additional installment payments that come due and any late charges and other charges or fees which have accrued or have been paid on your behalf during that time. Such payment must be made in the the form of cash, certified or bank check, or money order, payable to ADVANTA Mortgage Corp. USA and delivered to the fallowing address: ADVANTA Mortgage Corp. USA Collection Dept. #350 ~0790 Rancho Bernardo Rd. San Diego CA 92127 If you do not cure the default within 30 days. we intend to exercise our ~~ght to accelerate the mortgage. This means that whatever is oW1ng on the original amount borrowed will be considered due immediately and you will lose the chance to payoff the original mortgage in monthly installments. If you do not cure the default within 30 days, we intend to instruct our attorneys to start a lawsuit to foreclose on the mortgaged premises. If the mortgage is foreclosed upon, your mortgaged property will be sold by the County Sheriff to payoff the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up LT_\.IR\~;\-\l~ . --,"- ='---a h lii:",. ,.......~""'~I~~-" J ~ "J~~ _=1 , -, I" -v' ADVANTA Advanta Mortgage AD. Box 509011 San Diego, CA 9215().90tt 10790 Rancho Bernardo Road San Diego, CA 92127 NOTICE OF INTENT TO FORECLOSE ON MORTGAGE KIMBERLY M DEWITT Page Two to $50. However, if legal proceedings are started against you, you will have to pay the actual incurred reasonable attorney's fees, even if the fee:s are more than $50. All attorney's fees will be added to whatever amount you Owe us, which may also include our reasonable costs. IF YOU CURE THE DEFAULT WITHIN THE THIRTY-DAY PERIOD YOU WILL NOT BE REQUIRED TO PAY ATTORNEY'S FEES. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. However, if you have filed a bankruptcy and this mortgage debt was discharged, we cannot sue you personally. If you have net cured the default within the 30 day period and foreclosure proceedings have begun, you will have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's foreclosure sale. You may do so by paying the total amount of the unpaid amount due plus any interest and late or other charges then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale (and perform any other requirements under the mortgage) . It is estimated that the earliest date that such a Sheriff's Sale of your Premises could be held would be approximately 90 days from the date foreclosure preceedings begin. This is just an estimated date. . 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 will be by calling us at (800) 548-7916, between the hours of 5:00 a.m. and 8:00 p.m. Monday through Friday, 6:00 a.m. and 3:00 p.m. Saturday and 6:00 a.m. and 12:00 p.m. Sunday, Pacific Standard Time. You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff's Sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THIS DEBT. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY 1\NY THIRD PARTY ACTING ON YOUR BEHALF. YOU HAVE THE RIGHT TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PREMISES SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WOULD CURE THE DEFAULT AND ASSUME THE MORTGAGE DEBT PROVIDED THAT ALL OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE TIME OF SALE. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. If you cure the-default, the mortgage will be restored to position as if no default had occurred. However, you entitled to cure a default more than three times in any year. the same are not calendar Collection Department #350 ADVANTA Mortgage Corp. USA WP12/ACT6CPF File Copy LT'LTFl14A.05 _RO" ;" ~'- _"""'e>_\~_ -">-' o ""_","_,~ ~~.I~~ ~=......."- ~ ADVIINTA .1: Cumberland County CONSUMER CREDIT COUNSELING AGENCIES Consumer Credit Counseling Service of Western Pennsylvania, Inc. 2000 Linglestown Road Harrisburg, FA 17102 (717) 541-1757 Financial Services Unlimited 117 west 3rd Street Waynesboro, FA 17268 (717) 762-3285 Urban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, PA 17101 (717) 234-5925 FAX # (717) 232-4985 YMCA of Carlisle 301 G Street Carlisle, FA 17013 (717) 243-3818 FAX # (717) 243-3948 - ~- .. l"- N '" '" .. Q I"- 0; a. REruRN RECEIPT SEAVlCE \r ",,- - O:~, ,~... o~' PS FORM 3800 us Postal S erVlce " ..- ~-_o_ LT.LTRjJA.05 , ., -. --- - ~-.- POSTMARK O~T;- :,-,,-,. <:to,-,,,; -- -- --- -- -- -- . ~ '., -- ~-~ -- I~ Advanta Mortgage Ro. Box 509011 San Diego. CA 92150-9011 10790 Rancho Bernardo Road San Diego, CA 92127 -. g .- If o ~fIi z{f]. "'~ t58: ll..<I;" t?~1 ~Ei ~~I ~~, UO {g$' w!2' oC::' q", of" ~ g ~ ~ . !Gt~'*' - ri ~ ~.,"" .~~J~~_"" .11 ~ ADVANTA' 1m 1_, -'.~~"l",;- Adventa Mortgage P.o. Box 5090n San Diego, CA 92150-9011 10790 Rancho B@mardoRoad San Diego, CA 92127 DATE: August 7, 2000 KIMBERLY M DEWITT 10 AUSTEL DR MARYSVILLE PA 170539798 RE: Loan number 1836592 IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL.ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS. Your mortgage is in default because you have failed to pay promptly installments due for a period of at least 60 days. YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO PAY $555.95 each due 6/05/00 and monthly thereafter charges. AS OF THE DATE OF THIS LETTER YOU ARE FOLLOWS: Payments of $555.95 each for June 05, 2000 through August 05, 2000: (Corporate Advances included) current Late Charges Deferred Late Charges Current Return Check Fees Deferred Return Check Fees Advances by Servicer Advances by Investor LESS: Partial Payments/Forbearance Misc. Unapplied Funds TOTAL DEFAULT: installments of as well as other IN DEFAULT AS $ 1,696.74 $ 57.58 $ .00 $ .00 $ .00 $ 60.88 $ .0 0 $ .00 $ .00 $ 1,815.20 You may be eligible for financial assistance that will prevent foreclosure on your mortgage if you comply with the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the IIActll). You may be eligible for emergency temporary assistance if your default has been caused by circumstances beyond your control, and if you meet the eligibility requirements of the Act as determined by the Pennsylvania Housing Finance Agency. Please read all of this Notice, it contains an explanation of your rights. Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for 30 days from the date of this Notice. During that time you have the right to arrange a lIface-to-face" meeting with a representative of ADVANTA Mortgage Corp. USA, or with a designated consumer credit counseling agency. The purpose of that meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency. That meeting must occur in the next 30 days. If you attend a face-to-face meeting with ADVANTA Mortgage Corp. USA, or with a consumer credit counseling agency identified in this Notice, no further proceeding in mortgage foreclosure may take place for 30 days after the date of that meeting. You can contact a representative of ADVANTA. Mortgage Corp. USA by telephoning our toll free number (800) 548-7916 between the hours of 5:00 a.m. and 8:00 p.m. Monday, 6:00 a.m. and 3:00 p.m. Saturday and 6:00 a.m. and 12:00 p.m. Sunday, Pacific Standard Time. The name(s), address (es) and telephone nurnber(s} of (a) designated consumer credit counseling agency(ies} is (are) attached. LT_LTA1AA.05 ~ ~' ~ " iilio~I,","""","","",""'.t-., ~ ~.~. I ~[ &i_Kjl. ~ ADVANTA NOTICE OF HOMEOWNERS' KIMBERLY M DEWITT PAGE TWO Advanta Mortgage p.o. Sax 509011 San Diego, CA 92150--9011 f0790 Rl'lncho Bernardo Road San Diego, CA 92127 EMERGENCY MORTGAGE ASSISTANCE ACT It is only necessary to schedule one face-to-face meeting. You should advise ADVANTA Mortgage Corp. USA immediately of your intentions. 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 Homeowners' Emergency Assistance Application with the Pennsylvania Housing Finance Agency. The consumer credit counseling agency will assist you in filling out your application. It must be filed or postmarked within 30 days of your face-to-face meeting. You must either mail your ,application to the Pennsylvania Housing Finance Agency or you must file it at the office of one of the attached designated consumer credit counseling agencies listed on the attachment to this Notice. The Pennsylvania Housing Front Street, P.O. Box Telephone Number (71. 7) number) . Finance Agency is located at: 2101 North 8029, Harrisburg, Pennsylvania 17105. 780-3800 or 1-800-342-2397 (toll free An application for assistance may be obtained from a consumer credit counseling agency or directly from the Pennsylvania Housing Finance Agency. It is extremely important that you file your applic~tion promptly. If you do not do SO, or if you do not follow the other time periods set forth in this letter, foreclosure may proceed against your home immediately. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. It is extremely important that your application is accurate and complete in every respect. The counseling agency will help you to fill out the application. The Pennsylvania Housing Finance Agency has 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. La notificacion en adjunto es de suma importancia, pues affecta su derecho a continuar viviendo en su casa. 8i no comprende el contenido de esta notificacion obtanga una traducion immediatamente llamando esta agencia (Pennsylvania Housing Finance Agency) sin cargos al numero mencionado arriba. puedes ser eligible para un prestamo por el programa llamando "Homeowner's Emergency Mortgage Assistance Program" el cual puede salvar su casa de la perdida del derecho a redimir su hipoteca. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ALL INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Collection Department #350 ADVANTA Mortgage Corp. USA Attachment~ Consumer Credit Counseling Agencies WP12!ACT9:l.CP File Copy LHIRl.!A-05 V' ADVilNTA' LT-LTR14A-05 ~-~"-...I".. ~_, -~-~-..' .-- JI ol.. 'M;;, ~ ...-~ JJm CONSUMER CREDIT COUNSELING AGENCIES Advanta Mortgage Po. 80x SOBOrr San Diego, CA 92150-9011 10790 Rancho Bernardo Road San Diego, CA 92127 CUmberland County Consumer Credit Counseling Service of Western Pennsylvania, Inc. 2000 Ling1estown Road Harrisburg, PA 17102 (717) 541-1757 Financial Services Unlimited 117 West 3rd Street Waynesboro, PA 17268 (717) 762-3285 Urban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, PA 17101 (717) 234-5925 FAX # (717) 232-4985 YMCA of Carlisle 301 G Street Carlisle, PA 17013 (717) 243-3818 FAX # (717) 243-3948 .. I:l ru RETURN RECEIPT SERVICE SENT TO: eo"~"" ~!;STRICTEODEuveRY CERTiFlSlFEE+RETURNRECEI~T TOTAL POSTAGE AND FEES N Nbr F~rNTERNATlomfMAlL - .~ '~;1 "',.''.-' '" '" ll'" Cl l"- ll'" Co ;.,\...,;,::'..,' ~.. .1< F',\ ," : ;", 'L~,.. PS FORM 3800 US Postal Service ~ ~ o ~ Receipt for Certified Mail c' ./ . ,.. !: -) I -"~ 0,,: :iC:', - -- ~ ----- -- - - --"-- -"~-'''--'-''---_.- ------- .i[fJlIiI ~<..". ~.- -"."'!'i.,J."~"""",,,~,-- ri-t~t<~~~' 1, ~"~ 1']" - ~~ i"- ,,~ ~ AOVANTA" Advanta Mortgage p.o. Bo)( 509011 San Diego, CA 92150-9011 10790 Rancho Bernardo Road San Diego, CA 92127 KIMBERLY M DEWITT 10 AUSTEL DR MARYSVILLE PA 170539798 DATE: August 7, 2000 RE: Loan number 1836592 NOTICE OF INTENT TO FORECLOSE ON MORTGAGE YOU ARE IN DEFAULT OF YOUR OBLIGATION TO YOUR LENDER, the present holder of the Note and Mortgage referenced by the above identified loan number. ADVANTA Mortgage Corp. USA is the servicing agent for the holder authorized to act on its behalf. YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO PAY installments of $555.95 each, commencing June 05, 2000 and subsequent installments thereafter. Late charges have also accrued to this date. Late charges are assessed if the monthly:paYment is not received within the grace period set forth in your Note. Your monthly late charge is $28.79. Other charges may have also accrued which are due in your loan. AS OF THE DATE OF THIS LETTER, THE NECESSARY TO CURE THE DEFAULT IS AS FOLLOWS: order to cure TOTAL AMOUNT Payments of $555.95 each commencing June 05, 2000 through August 05, 2000: (Corporate Advances inCluded) $ CUrrent Late Charges $ Deferred Late Charges $ Current Return Check Fees $ Deferred Return Check Fees $ Advances by servicer $ Advances by Investor $ LESS: Partial Payments/Forbearance $ Misc. Unapplied Funds $ TOTAL AMOUNT TO CURE DEFAULT: $ 1,696.74 57.58 .00 .00 .00 60.88 .0 0 .00 .00 1,815.20 YOU MAY CURE THIS DEFAULT within 30 days of the date of this letter by paying to us the amount of $1,815.20 plUS additional installment payments that come due and any late charges and other charges or fees which have accrued or have been paid on your behalf during that time. Such payment must be made in the the form of cash, certified or bank check, or money order, payable to ADVANTA Mortgage Corp. USA and delivered to the following address: ADVANTA Mortgage Corp. USA Collection Dept. #350 10790 Rancho Bernardo Rd. San Diego CA 92127 If you do not cure the default within 30 days, we intend to exercise our r~ght to accelerate the mortgage. This means that whatever is oW1ng on the original amount borrowed will be considered due immediately and you will lose the chance to payoff the original mortgage in monthly installments. If you do not cure the default within 30 days, we intend to instruct our attorneys to start a lawsuit to foreclose on the mortgaged premises. If the mortgage is foreclosed upon, your mortgaged property will be sold by the County Sheriff to payoff the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up LRTR1~A.OS ,,,,o;&i ~"~- ....~-- JL ..~~%:': ~ ADVANTA' NOTICE OF INTENT TO FORECLOSE ON MORTGAGE KIMBERLY M DEWITT Page Two Advanta Mortgage p.o. Box 509011 San Diego, CA 92150-9011 10790 Rancho Bernardo Road San Diego, CA 92127 to $50. However, if legal proceedings are started against you, you will have to pay the actual incurred reasonable attorney's fees, even if the fees are more than $50. All attorney's fees will be added to whatever amount you owe us, which may also include our reasonable costs. IF YOU CURE THE DEFAULT WITHIN THE THIRTY-DAY PERIOD YOU WILL NOT BE REQUIRED TO PAY ATTORNEY'S FEES. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. However, if you have filed a bankruptcy and this mortgage debt was discharged, we cannot sue you personally. If you have not cured the default within the 30 day period and foreclosure proceedings have begun, you will have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's foreclosure sale. You may do so by paying the total amount of the unpaid amount due plus any interest and late or other charges then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale (and perform any other requirements under the mortgage) . It is estimated that the earliest date that such a Sheriff's Sale of your Premises could be held would be approximately 90 days from the date foreclosure preceedings begin. This is just an estimated date. 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 will be by calling us at (800) 548-7916, between the hours of 5:00 a.m., and 8:00 p.m. Monday through Friday, 6:00 a.m. and 3:0,0 p.m. Saturday and 6:00 a.m. and 12:00 p.m. Sunday, pacific Standard Time. You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff's Sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THIS DEBT. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. YOU HAVE THE RIGHT TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PREMISES SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WOULD CURE THE DEFAULT AND ASSUME THE MORTGAGE DEBT PROVIDED THAT ALL OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE TIME OF SALE. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. If you cure the default, the mortgage will be restored to position as if no default had occurred. However, you entitled to cure a default more than three times in any year. the same are not calendar Collection Department #350 ADVANTA Mortgage Corp. USA WP12/ACT6CMF File Copy LHTR14A-05 "T~ ~ .,"',~ ~,~~1.. L L ~ L ~ ~>-: -v' ADVANTA' Advanta Mortgage P.O. Box 509011 San Diego, CA 9215M}011 10790 Rancho Bernardo Road San Diego. CA 92127 SAMUELLA WOODROW 98 QUEEN AV ENOLA PA 17025 DATE: August 7, 2000 RE: Loan number 1836592 NOTICE OF INTENT TO FORECLOSE ON MORTGAGE YOU ARE IN DEFAULT OF YOUR OBLIGATION TO YOUR LENDER, the present holder of the Note and Mortgage referenced by the above identified loan number. ADVANTA Mortgage Corp. USA is the servicing agent for the holder authorized to act on its behalf. YOU ARE rN DEFAULT BECAUSE YOU HAVE FAILED TO PAY installments of $555.95 each, commencing June OS, 2000 and sUbsequent installments thereafter. Late charges have also accrued to this date. Late charges are assessed if the monthly payment is not received within the grace period set forth in your Note. Your monthly late charge is $28.79. Other charges may have also accrued which are due in order to cure your loan. AS OF' THE DATE OF THIS LETTER, THE TOTAL AMOUNT NECESSARY TO CURE THE DEFAULT IS AS FOLLOWS: Payments of $555.95 each commencing June 05, 2000 through August 05, 2000: (Corporate Advances included), $ Current Late charges' $ Deferred Late Charges $ Current Return Check Fees $ Deferred Return Check Fees $ Advances by Servicer $ Advances by Investor $ LESS: Partial Payments/Forbearance $ Misc. Unapplied Funds $ TOTAL AMOUNT TO CURE DEFAULT: $ 1,696.74 57.58., .00 .00 .00 60.88 .0 0 .00 .00 1,815.20 YOU MAY CURE THIS DEFAULT within 30 days of the date of this letter by paying to us the amount of $1,815.20 plus additional installment payments that come due and any late charges and other charges or fees which have accrued or have been paid on your behalf during that time. Such payment must be made in the the form of cash, certified or bank check, or money order, payable to ADVANTA Mortgage Corp. USA and delivered to the following address: ADVANTA Mortgage Corp. USA Collection Dept. #350 10790 Rancho Bernardo Rd. San Diego CA 92127 If you do not cure the default within 30 days, we intend to exercise our r~ght to accelerate the mortgage. This means that whatever is ow~ng on the original amount borrowed will be considered due immediately and you will lose the chance to payoff the original mortgage in monthly installments. If you do not cure the default within 30 days, we intend to instruct our attorneys to start a lawsuit to foreclose on the mortgaged premises. If the mortgage is foreclosed upon, your mortgaged property will be sold by the County Sheriff to payoff the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up LT.LTR'4A-05 -~~ ,....~~l~~. .~ I' I" J~ __- "~ ., -;~,. ~ ADVIINTAo NOTICE OF INTENT TO FORECLOSE ON MORTGAGE SAMUELLA WOODROW Page Two Advanta Mortgage p.o. Box 509011 San Diego. CA 92150-9011 10790 Rancho Bernardo Road San Diego. CA 92127 to $50. However, if legal proceedings are started against you, you will have to pay the actual incurred reasonable attorney's fees, even if the fees are more than $50. All attorney's fees will. be added to whatever amount you owe us, which may also include our reasonable costs. IF YOU CURE THE DEFAULT WITHIN THE THIRTY-DAY PERIOD YOU WILL NOT BE REQUIRED TO PAY ATTORNEY'S FEES. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. However, if you have filed a bankruptcy and this mortgage debt was discharged, we cannot sue you personally. If you have not cured the default within the 30 day period and foreclosure proceedings have begun, you will have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's foreclosure sale. You may do so by paying the total amount of the unpaid amount due plus any interest and late or other charges then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale (and perform any other requirements under the mortgage) . It is estimated that the earliest date that such a Sheriff's Sale of your Premises could be held would be approximately 90 days from the date foreclosure preceedings begin. This is just an estimated date. 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 will be by calling us at (800) 548-7916, between the hours of 5:00 a.m. and 8:00 p.m. Monday through Friday, 6:00 a.m. and 3:00 p.m. Saturday and 6:00 a.m. and 12:00 p.m. Sunday, Pacific Standard Time. You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff's Sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU EAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THIS DEBT. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. YOU HAVE THE RIGHT TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THrS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PREMISES SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WOULD CURE THE DEFAULT AND ASSUME THE MORTGAGE DEBT PROVIDED THAT ALL OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE TIME OF SALE. CONTACT US TO DETERMrNE UNDER WHAT CIRCUMSTANCES THIS RIGHT MrGHT EXIST. rf you cure the default, the mortgage will be restored to position as if no default had occurred. However, you entitled to cure a default more than three times in any year. the same are not calendar Collection Depa~tment #350 ADVANTA Mortgage Corp. USA WP12/ACT6CPF File Copy LT.LTRi4A.05 ~''''.~~-..-~- - ~ "--~ . V ADVANTA' JI .... 't: 1il"'~ IilA Advanta Mortgage p.o. Box 509011 San Diego, CA 92150--9011 10790 Rancho Bernardo Road San Diego, CA 92127 CONSUMER CREDIT COUNSELING AGENCrES Cumberland County Consumer Credit Counseling Service of Western Pennsylvania, Inc. 2000 Linglestown Road Harrisburg, PA 17102 (717) 541-1757 Financial Services Unlimited 117 West 3rd Street Waynesboro, PA 17268 (717) 762-3285 Urban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, PA 17101 (717) 234-5925 FAX # (717) 232-4985 YMCA of Carlisle 301 G Street Carlisle, PA 17013 (717) 243-3818 FAX # (717) 243-3948 --,--.-,-,.--_.-,--.---.- 0- m m RETUI1N RECEIPT SERVICE POSTAGE "",""",0,"""" CERTlFIECFEE+F\ETUF\NF\ECElPT TOTIIlPOSTAGEANDFEES RA 0 I NOT FOR INTERNA1'IOm,LMAl1.. :" SENT TO: "' ;:: SAMUELLA WOODROW '" r0- o- i ~ ., _ '\ ", ' :,;L.\ 0.. PS FORM 3800 US Postal Service ,.:,;- ^, ... r .~, '"" .IC:' I.T.lTR14A.Q5 Receipt for Certified Mail ~ ~ ~ ~ "-, ~;;'llt'"'-'~ -"~. ~"""""",,~I,,=-. . ~,,- Ii. I ~ ~"'iI.hlll!i~lllil~iilf!iH'.':": 'l/ ADVANTA. Advanta Mortgage P.O. 80,'(509011 San Diego. GA 92150-9011 10790 Rancho Bernardo Road San Diego. CA 92127 SAMUELLA WOODROW 10 AUSTEL DR MARYSVILLE PA 170539798 DATE: August 7, 2000 RE: Loan number 1836592 rMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSrSTANCE ACT OF 1983 PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS. Your mortgage is in default because you have failed to pay promptly installments due for a period of at least 60 days. YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO PAY $555.95 each due 6/05/00 and monthly thereafter charges. AS OF THE DATE OF THrS LETTER YOU ARE FOLLOWS: installments of as well as other IN DEFAULT AS Payments of $555.95 each for June 05, 2000 through August 05, 2000: (Corporate Advances included) Current Late Charges Deferred Late Charges Current Return Check Fees Deferred Return Check Fees Advances by Servicer Advances by Investor LESS: Partial Payments/Forbearance Misc. Unapplied Funds TOTAL DEFAULT: $ 1,696.74 $ 57.58 $ .00 $ .00 $ .00 $ 60.88 $ .0 0 $ .00 $ .00 $ 1,815.20 You may be eligible for financial assistance that will prevent foreclosure on your mortgage if you comply with the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Actll). You may be eligible for emergency temporary assistance if your default has been caused by circumstances beyond your control, and if you meet the eligibility requirements of the Act as determined by the Pennsylvania Housing Finance Agency. Please read all of this Notice, it contains an explanation of your rights. Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for 30 days from the date of this Notice. During that time you have the right to arrange a '1face-to-face" meeting with a representative of ADVANTA Mortgage Corp. USA, or with a designated consumer credit counseling agency. The purpose of that meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency. That meeting must occur in the next 30 days. If .you attend a face-to-face meeting with ADVANTA Mortgage Corp. USA, or with a consumer credit counseling agency identified in this Notice, no further proceeding in mortgage foreclosure may take place for 30 days after the date of that meeting. You can contact a representative of ADVANTA Mortgage Corp. USA by telephoning our toll free number (800) 548-7916 between the hours of 5:00 a.m. and 8:00 p.m. Monday, 6:00 a.m. and 3:00 p.m. Saturday and 6:00 a.m. and 12:00 p.m. Sunday, Pacific Standard Time. The name(s), address (es) and telephone number(s) of (a) designated consumer credit counseling agency(ies) is (are) attached. LT-LTRI~A.05 ",;';"'~"""-~~"'" - ".~" ,., -~- .~.I....". J' -.', lm~' ~ ADVIINTA. Advanta Mortgage P.D. Box 509011 San Diego, CA 92750-9011 10790 Rancho Bernardo Road San Diego, CA 92127 NOTICE OF HOMEOWNERS' SAMUELLA WOODROW PAGE TWO EMERGENCY MORTGAGE ASSrSTANCE ACT It is only necessary to schedule one face-to-face meeting. You should advise ADVANTA Mortgage Corp. USA immediately of your intentions. 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 Homeowners' Emergency Assistance Application with the Pennsylvania Housing Finance Agency. The consumer credit counseling agency will assist you in filling out your application. It must be filed or postmarked within 30 days of your face-to-face meeting. You must either mail your application to the Pennsylvania Housing Finance Agency or you must file it at the office of one of the attached designated consumer credit counseling agencies listed on the attachment to this Notice. The Pennsylvania Housing Front Street, P.O. Box Telephone Number (717) number) . Finance Agency is located at: 2101 North 8029, Harrisburg, Pennsylvania 17105. 780-3800 or 1-800-342-2397 (toll free An application for assistance may be obtained from a consumer credit counseling agency or directly from the Pennsylvania Housing Finance Agency. It is extremely important that you file your application promptly. If you do not do so, or if you do not follow the other time periods set forth in this letter, foreclosure may proceed against your home immediately. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. It is extremely important that your application is accurate and complete in every respect. The counseling agency will help you to fill out the application. The Pennsylvania Housing Finance Agency has 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. La notificacion en adjunto es de suma importancia, pues affecta su derecho a continuar viviendo en su casa. 8i no comprende el contenido de esta. notificacion obtanga una traducion immediatamente llamando esta agencia (Pennsylvania Housing Finance Agency) sin cargos al numero mencionado arriba. puedes ser eligible para un prestamo por el programa llamando "Homeowner's Emergency Mortgage Assistance Program" el cual puede salvar su casa de la perdida del derecho a redimir su hipoteca. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ALL INFORMATION OBTAINED WILL BE USED FOR TMAT PURPOSE. Collection Department #350 ADVANTA Mortgage Corp. USA Attachment: Consumer Credit Counseling Agencies nWS WP12!ACT91CM Gertified Copy ,."~ j"-'. """,~~J .~ J. .1 L. . t~''c' 't/ ADVANTA. NOTICE OF INTENT TO FORECLOSE ON MORTGAGE SAMUELLA WOODROW Page Two Advanta Mortgaga p.o. BoxS09011 San Diego, CA 92150-9011 10790 Rancho Bernardo Road Sail Diego, CA 92127 begin legal proceedings against you, you will still have to the reasonable attorney's fees, actually incurred I up to However I if legal proceedings are started against youl you have to pay the actual incurred reasonable attorney's fees, if the fees are more than $50. pay $50. will even All attorney's fees will be added to whatever amount you owe which may also include our reasonable costs. IF YOU CURE DEFAULT WITHIN THE THIRTY-DAY PERIOD YOU WILL NOT BE REQUIRED PAY ATTORNEY'S FEES. us, THE TO We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. However, if you have filed a bankruptcy and this mortgage debt was discharged, we cannot sue you personally. If you have not cured the de'fault within the 30 day period and foreclosure proceedings have begun, you will have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's foreclosure sale. You may do so by paying the total amount of the unpaid amount due plus any interest and late or other charges then duel as well as the reasonable attorney's fees and costs connected with the foreclosure sale (and perform any other requirements under the mortgage) . It is estimated that the earliest date that such a Sheriff's Sale of your Premises could be held would be approximately 90 days from the date foreclosure preceedings begin. This is just an estimated date. 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 will be by. calling us at (800) 548-7916, between the hours of 5:00 a.m. and 8:00 p.m. Monday through Friday, 6:00 a.m. and 3:00 p.m. Saturday and 6:00 a.m. and 12:00 p.m. Sunday, Pacific Standard Time. You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff's Sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THIS DEBT. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. YOU HAVE THE RIGHT TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PREMISES SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WOULD CURE THE DEFAULT AND ASSUME THE MORTGAGE DEBT PROVIDED THAT ALL OUTSTANDrNG PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE TIME OF SALE. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. If you cure the defaultl the mortgage will be restored to position as if no default had occurred. However, you entitled to cure a default more than three times in any year. the same are not calendar THIS IS AN ATTEMPT TO COLLECT A DEBT AND ALL INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Collection Department #350 ADVANTA Mortgage Corp. USA FlJ.i3 WP12/ACT6CM C~rtifi@d Copy LHTAHA-05 -~"," - ~ -~~ ,. "'lli'''12"",",,,:,,,,,,,",...I~_~ ~"""_....... JL I.:,~ .In&litl.['-JtJl~ ~ ADVANTA' Advanta Mortgage p.o, Box 509011 San Diego, CA 92150-9011 10790 Rancho Bernardo Road San Diego, CA 92127 SAMUELLA WOODROW 98 QUEEN AV ENOLA PA 17025 DATE: August 7, 2000 RE: Loan number 1836592 IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 PLEASE READ THrS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS. Your mortgage is in default because you have failed to pay promptly installments due for a period of at least 60 days. YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO PAY $555.95 each due 6/05/00 and monthly thereafter charges. AS OF THE DATE OF THIS LETTER YOU ARE FOLLOWS: installments of as well as other IN DEFAULT AS Payments of $555.95 each for June 05, 2000 through August 05, 2000: (Corporate Advances included) Current Late Charges Deferred Late Charges Current Return Check Fees Deferred Return -Check Fees Advances by Servicer Advances by Investor LESS: Partial Payments/Forbearance Misc. Unapplied Funds TOTAL DEFAULT: $ 1,696.74 $ 57.58 $ .00 $ .00 $ .00 $ 60.88 $ .0 0 $ .00 $ .00 $ 1,815.20 You may be eligible for financial assistance that will prevent foreclosure on your mortgage if you comply with the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the lIActl1). You may be eligible for emergency temporary assistance if your default has been caused by circumstances beyond your control, and if you meet the eligibility requirements of the Act as determined by the Pennsylvania Housing Finance Agency. please read all of this Notice, it contains an explanation of your rights. Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for 30 days from the date of this Notice. During that time you have the right to arrange a IIface-to-faceI1 meeting with a representative of ADVANTA Mortgage Corp. USA, or with a designated consumer credit counseling agency. The purpose of that meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency. That meeting must occur in the next 30 days. If you attend a face-to-face meeting with ADVANTA Mortgage Corp. USA, or with a consumer credit counseling agency identified in this Notice, no further proceeding in mortgage foreclosure may take place for 30 days after the date of that meeting. You can contact a representative of ADVANTA Mortgage Corp. USA by telephoning our toll free number (800) 548-7916 between the hours of 5:00 a.m. and 8:00 p.m. Monday, 6:00 a.m. and 3:00 p.m. Saturday and 6:00 a.m. and 12:00 p.m. Sunday, Pacific Standard Time. The name(s), address (es) and telephone number(s) of (al designated consumer credit counseling agency(ies) is (are) attached. LT.LTR'I4A-05 ,0""'"'" ~ J'. J. .' ""'o_.~ ~ , ~ ADVIINTAO Advanta Mortgage po. eox 509011 San Diego. CA 92150-9011 10790 Rancho Bernardo Road San Diego, CA 92127 NOTICE OF HOMEOWNERS' SAMUELLA WOODROW PAGE TWO EMERGENCY MORTGAGE ASSISTANCE ACT It is only necessary to schedule one face-to-face meeting. You should advise ADVANTA Mortgage Corp. USA immediately of your intentions. rf 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 Homeowners' Emergency Assistance Application with the Pennsylvania Housing Finance Agency. The consumer cred~t counseling agency will assist you in filling out your application. It must be filed or postmarked within 30 days of your face-to-face meeting. You must either mail your application to the Pennsylvania Housing Finance Agency or you must file it at the office of one of the attached designated consumer credit counseling agencies listed on the attachment to this Notice. The Pennsylvania Housing Front Street, P.O. Box Telephone Number (717) number) . Finance Agency is located at: 2101 North 8029, Harrisburg, Pennsylvania 17105. 780-3800 or 1-800-342-2397 (toll free An application for assistance may be obtained from a consumer credit counseling agency or directly from the Pennsylvania Housing Finance Agency. It is extremely important that you file your application promptly. If you do not do so, or if you do not follow the other time periods set forth in this letter, foreclosure may proceed against your home immediately. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. It is extremely important that your application is accurate and complete in every respect. The counseling agency will help you to fill out the application. The Pennsylvania Housing Finance Agency has 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. La notificacion en adjunto es de suma importancia, pues affecta su derecho a continuar viviendo en su casa. Si no comprende e1 contenido de esta notificacion obtanga una traducion immediatamente llamando esta agencia (Pennsylvania Housing Finance Agency) sin cargos al numero mencionado arriba. Puedes ser eligible para un prestamo por el programa llamando "Homeowner's Emergency Mortgage Assistance Program" el cual puede salvar su casa de la perdida del derecho a redimir Sll hipoteca. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ALL INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Collection Department #350 ADVANTA Mortgage Corp. USA Attachment: Consumer Credit Counseling Agencies WP12/ACT91CP File Copy LT.t:rRI4A-O~ .. ~ ~~ , ~~ - -' ^'~ ,..1_ ~ .. L ..J......_...,....J~ -~-~-------------~-~.__._-- SENT TO: SAMlJJlLLA WOODROW _ .jl m m U) U) II'" '" r0- Il'" RETURN RECEIPT SERVICE '" PS FORM 3800 ~~, AESTRICTEDCELrvEAY CEmWlEDn.E+~I\ECEII'l toll\l.POSTAGE/lNCFEES .. , NOTFOIlINTERNATlONALMAIL ,'",!,," ," . !. ;-~. !,~ ,"- US Postal Service ,'....:.' ....,,;..' ':,;,,"..' ':;'!) ",.j '.,'"/:~ .~> POSTMARK OR DATE Receipt for Certified Mail :( ~ W . S. ~~ ffi~ ~8 o~ g~ ~~ "" h ><0 u>- G' o tfii: jW .1' Ii ~ ~ - ~~""=''''''''''''''"~-'~ - Ji... - ...L~L~.~"" ..-t~ :,~ -_.-.......,.--~ ---.......---- ---,------------~.. 1'- m m U1 U1 IT" o I'- IT" RETURN RECEIPT SERVICE """''' ""''''''''''"''''' ct::mIFIll.DFEI$.+ RETI.IFlNFlECEIPT 7OtAl.roST~tlNOFE'U , , NOTI'DRlmERNATlONALMAlL ".-",,-. POSTMARK OR DATE Receipt for Certified Mail ,",' ',,,' g W ~ o lilt/! ,. Zw W~ .0 00 < g~ ti~ ~~ W. ~O U~ ~X W~ ~W ~~ " z ~ o ~ ~ - - ._-,---~'-- .-- ,~_.- - -~ --- - -~,--,- ~ ----~-- -.- SENT TO: 0.. SAMUELLA WOODROW }"_ ".J,} . ,-, .' - .;-_.'~ PS FORM 3800 US Postal Service ,;r'. -,.' 'I . ,~__,I... "L~~" r-""~--,'-'-'-'-' , , '" ,.. "" RETURN RECEIPT SERVICE SENT TO: '" U, ,.. o '" ,.. 0.. ,i 'Iii, ~, -.---.-.-.-.--,-.-..-.-.-,-.-.-- RESTRlCTEDDruVEI'IY CEFlTIFlEDFEE..RETURNRECErpT TOTAL POSTAGiE AND FEES o NOT FOR INTERNA11DNAL MAIL '1,\, ,,',.;:;.:, PS FORM 3800 ,.,,'.;,'./ " ,,' ," tii:_/ilJ"';: US Postal Service . '., ,~'~J 'c, .:: .- --,- .'.' "",'" :." POSTMARK OR DATE 1 'f'., Receipt for Certified Mail " .'.1'. ;,~;, " ,':r; ~ g ~ o iill/i >00 zw W~ ~15 ~i, "~ ~~ "" w. <0 u~ ~o ~a: 2~ ~ ~ ~ ~ , ~~. """"....2~'~C.~""'.,~ , . , ~, "'. -. -'~~"-'-.~-"-"-"---.-,-."'-'-"-,-.-..r-- "" ... OJ '" '" ... RElUR' RECEIPT SERVICE SENT TO: '" r- ... '" '"'"" R~$TRICn:DDeU\IERY C=RTlREtDn;~...RETURNR5CElPT 'ro'!l>l.~MloE'-"C1'EE5 " , NDT FOR INTl!RWmONAt.tIIA.IL ..,;;:', ,~ '" ,-,. ", ,i :- ~i' ".;..;" ",;.. ,.~~ PS FORM 3800 US Postal Service 'j'.,',,:, ~ -; "..:):y." J,;.;) .1. ,~- Receipt for Certified Mail .i",".," g & o rom >~ ~~ 0< ~z ~~ "" w~ ~o ~S; ~ ~a: 5w ~~ ~ ~ o ~ ~ - . " ~ 1f .J~....J.",...I., - ~'-~"'-I "--'---.-...-.-.-.---,--,- -'-~~--'_-'-,-.--......,-- -... ", '" "" '" '" e- o '" e- el. RETURN RECEIPT SERVICE POS'DIGe: RE5TRICTeoOELlVERY POSTMARK OR om CIORTlFll;"OFo;E+R8'URNREcel~ TOTALPOSTI\GE AND FEES os c 0 M)fFOIIINTER'IATIOrf...LMAlL SENT TO: ~ -, .,. ~! ; '.,.;,; ,~ . ~. ,i i; t. >:i,1 '! r~:'L :'{ . <; '< '.~ 'j ;~ Li_;:. ~, -_.< .,....\ PS FORM 3800 US Postal Service Receipt for Certified Mail ",' :-//'.: ~. .:..:;.' I,} '~) ',' ,,,, Ie. -.--..-.--.------------------- -.-.--- g w . o .. ~~ zw w<< .0 00 .< f2~ ~~ <<<< w. ~o ~~ w~ 5~ .. " z ~ o . ~ "-. -; L .J...~'h.J",,, d!i" ~ . POGTAGE .". ._~ .~ POSIMMS OR DATE g RETURN R~STIlICTEDDEUVERY w . RECElPT 0 r- C€AnmllffE-tflETtiRN~r ~" ." ~~ SERVICE .-'I 'fOTAJ.PClSil\GE/lNCFEES d'" ZW W~ ru SENT TO: " 0 .0 tlOTFORIMTERNATlOtl~LMAlL 00 '" < .z '" g. IT' ',j ::'.... H _ ~ 1 .~ ',.,.. ~~ 0 ~~ r- IT' /" ~ffi 0- ~g; <w .~ US PO$tal Service Receipt flOr " PS FORM 3800 z g Certified Mail 0 . ;; ...,C,' ",C I, ' _ __ i '_ ' ,- ~~MM1~$,ll!%l\iilOii(~>>---'k'-0Jfi:'''''li.1iid:~"WJ.''NIi!i0li::Bi1lJi:ltJ,,,.J--''~~I~e~~~~~~ " " _ ~ ~_., , .e_ ". ,_ ~~ t ~ ..... e ~ ~ ~ ~ l'IlO SDCIl I ~ 0 -cJv:; ~~ 1- - " ",' -,.-, ~ ~ o C ? """00; """1'1 Z'':U Z""--- d:'J.:;;: -<L~ ~C) ::i>(~. Z "1 -,~c) )>c: Z =< ~i:_ , . ~ . o CJ c:> " --< w o ~.~ ."'11 --c{ '~r:.:1"! '-'1"" ~B9 .~~~ {:~)r:;n .-4 J~ ~ {0 ~ -"" e- .1"" i ,- 0- .L , = ~-;"'/lljo:.1',,,,,~,b;' SHERIFF'S RETURN - OUT OF COUNTY CASE NO: 2000-07700 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND BANKERS TRUST COMPANY OF CA VS DEWITT CRAIG ET AL R. Thomas Kline , Sheriff or Deputy Sheriff who being duly sworn according to law, says, that he made a diligent search and and inquiry for the within named DEFENDANT , to wit: WOODROW SAMUELLA H but was unable to locate Her in his bailiwick. He therefore deputized the sheriff of PERRY County, Pennsylvania, to serve the within COMPLAINT - MORT FORE On November 15th, 2000 , this office was in receipt of the attached return from PERRY Sheriff's Costs: Docketing Out of County Surcharge DEP. PERRY CO 18.00 9.00 10.00 35.36 .00 72.36 11/15/2000 TERRANCE MCCABE ~ . Thomas Kline Sheriff of Cumberland County Sworn and subscribed to before me this 1..1- ;L-lrtJi) day of h(1",""^I,,, , A.D. cw , o 'r\1I,~PHj .~tq. prothondta y Ii .. , ~ ,..,,~ ~~ -, ~"- ~ .. '- II " ';!li""l!~l.tl;,illlil'.",,'" , SHERIFF'S RETURN - NOT FOUND CASE NO: 2000-07700 P COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND BANKERS TRUST COMPANY OF CA VS DEWITT CRAIG ET AL R. Thomas Kline ,Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named defendant, DEFENDANT WOODROW KIMBERLY M N/K/A KIMBERLY DEWITT but was unable to locate Her in his bailiwick. He therefore returns the COMPLAINT - MORT FORE NOTICE , NOT FOUND , as to , WOODROW KIMBERLY M N/K/A the within named DEFENDANT KIMBERLY DEWITT DEFT. MOVED, LEFT NO FORWARDING, RETURN NOT FOUND AS PER LANA ON 11/14/00. Sheriff's Costs: Docketing SERVICE NOT FOUND RETURN Surcharge 6.00 9.92 5.00 10.00 .00 30.92 ~ R. ~homas Kline - Sheriff of Cumberland County TERRANCE MCCABE 11/15/2000 Sworn and subscribed to before me this 1,tV- day of ~ J..U1)'O A.D. (\. Q^~.~ ~otary ~, I;---~~~ " I I .....J.."J,~ ~I " ~~ ~ ~-C ~ "wi!~fj-:'-:- SHERIFF'S RETURN - NOT FOUND CASE NO: 2000-07700 P COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND BANKERS TRUST COMPANY OF CA VS DEWITT CRAIG ET AL R. Thomas Kline ,Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named defendant, DEFENDANT DEWITT CRAIG but was unable to locate Him in his bailiwick. He therefore returns the COMPLAINT - MORT FORE , NOT FOUND , as to the within named DEFENDANT , DEWITT CRAIG DEFT. MOVED, LEFT NO FORWARDING, RETURN NOT FOUND AS PER LANA 11/14/00. Sheriff's Costs: Docketing Service NOT FOUND RETURN Surcharge 6.00 .00 5.00 10.00 .00 21. 00 ~ R Thomas Kline Sheriff of Cumberland County TERRANCE MCCABE 11/15/2000 Sworn and subscribed to before me this 1M- day of AIJ.,.r,,,,,,,Ju. _ J..,1t1J1) A.D. n ._ Q,~ ,~' ~othonotary ~ ~~.. ' _I~- * "< 4ffiil<;._h..~jr.._-;; In The Court of Common Pleas of Cumberland County, Pennsylvania . ., Bankers Trust Company of CA, et. al VS. Craig Dewit t. et. a1. Serve: Samuella H. Woodrow No. 20-7700 Civil Now, 11/2/00 ,200 () ,1, SHERIFF OF CUMBERLAND COUNTY, P A, do hereby deputize the Sheriff of Perry County to execute this Writ, this deputation being made at the request and risk ofthe Plaintiff. . . ~~~~.I Sheriff of Cumberland County, P A Affidavit of Service Now, ,20_, at o'clock M. served the within upon at by handing to a copy of the original and made lmown to the contents thereof. So answers, Sheriff of County, PA 20 '- COSTS SERVICE :MILEAGE AFFIDAVIT $ Sworn and subscribed before rue this day of $ ~ ., J: ~- - iI!l ' "'-~";i;-'i Bankers Trust Co. of Calf. IN THE COURT OF COMMON PLEAS OF THE 41st JUDICIAL DISTRICT OF PENNSYLVANIA PERRY COUNTY BRANCH Versus Samuella H. Woodrow No. 00-7700 SHERIFF'S RETURN And now November 7 ,2000: Served the within name Samuella H. Woodrow the defendant(s) named herin, personally at him place of residence in Rye Twp. Perry County, PA, on November 7, 2000 at 2:30 o'clock PM by handing to Samuella H. , an adult member of family 1 true and attested Woodrow copy(ies) of the within Compl. Mort. Fore!. and made known to him the contents thereof '7 tb Sworn and subscribed to before me this _ day of t00\led\ Io.e R.. , &OOeJ )~~K~tA,tJ.~ Prothonotary DEPUTY PROTHONOTARY Ii C1.ERK OF COURTS BlOOMFIElO BORO., Pl:RRY CO., PA MY COMMiSsiON EXPIRES JAN .5, 2004 So answers, d:lL~ 'DepuTy Sheriff of Perry County / ~'-, - - -. . .. I McCABE, WE ISajll~q AND CONWAY, P. C. BY: TERRENCE J. McCABE, ESQUIRE Identification Number 16496 First Union Building 123 South Broad street, Suite 2080 Philadelphia, Pennsylvania 19109 (215) 790-1010 ,. Bankers Trust Company of California, N .A., As Custodian or Trustee 10790 Rancho Bernardo Road San Diego, CA 92127 v. Craig DeWitt 98 Queen Avenue Eno1a, PA 17025 and Kimberly M. Woodrow nka DeWitt 98 Queen Avenue Eno1a, PA 17025 and Samue1la H. Woodrow 10 Auste1 Drive Marysville, PA 17053 _J, IH-.ob - ~-~ "~-- ~jy Attorney for Plaintiff Cumberland County Court of Common Pleas Number OO~ 71t>b ~(.)~Cr~ CIVIL ACTION/MORTGAGE FORECLOSURE NOTICE YOlJ have been SlJed in court. If you wish to defend against tlie claims set forth in the foll<Ming pages. ,you RlIJst take action within twenty (20) days after this canp:la1nt amI notice are $erved. by entering a wr1tten appearance personal1y or by attorney and fil1ng 1n writ1ng 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 aQainst you by the court without further notke for any money claimed 1n the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other r1ghts important to you. YOU SHOULD TAKE TIllS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HA VB A LA WYEROR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET HELP. Cumberland County Bar Association 2 Liberty Avenue . Carlisle, PA 17013 (717) 249.3165 ---- AVISO Le han demandado a usted en la corte. Si usted qui ere defenderse de estasdemandasex-puestasenlaspaginassfguientes.ustedtieneveinte (20) dias de plazo al partir de' la feeha de la demanda y la notff1cac10n. Hace falta asentar una, conparencia escrfta 0 en persona o COil un abogado y entregar a la corte en forma escrita sus defensas 0 susobjecionesalasdemandasencontradesupersona,seaav1sadoque si uster! no se def1ende. 16 corte tOOlllra medidas y puede continuar 1a demanda en contra suya sin previa aviso 0 not1f1cacion. Ademas. 1a corte puede decidir a favor del demandante y reQuiere que usted cllJlpla con todas las pfOv1siones de esta demanda. Usted puede perder d1nero 11 sus propfedades u otros derechos lmportantes para usted. LLEVB ESTA DEMANDA A UN ABOGADO INMEDlATAMENTE. SI NO TIENE ABOGADO 0 SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUY A DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVBRIGUAR DONOE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Bar Association 2 L Itrerty Avenue carlisle. PA 17013 (717)249-3166 In iRUECOPY FROM RECORD a\lld :lm9ny wher~.1 ilere untoSil; my hand Tb>d/? !::id Court at Carlisle, Pa. . ~ ~~'~V~~ onotalY ,I ~ , . . .llW'~! . ~ McCABE, WE ISBERG AND CONWAY, P. C. BY: TERRENCE J. McCABE, ESQUIRE Identification Number 16496 First Union Building 123 South B~oad Street, Suite 2080 Philadelphia, Pennsylvania 19109 (215) 790-1010 Attorney for Plaintiff Bankers Trust Company of California, N .A., As Custodian or Trustee 10790 Rancho Bernardo Road San Diego, CA 92127 Cumberland County Court of Common Pleas v. Craig DeWitt 98 Queen Avenue Enola, PA 17025 and Kimberly M. Woodrow nka DeWitt 98 Queen Avenue Enola, PA 17025 and Samuella H. Woodrow 10 Austel Drive Marysville, PA 17053 Number CIVIL ACTION/MORTGAGE FORECLOSURE 1. Plaintiff is Bankers Trust Company of California, N.A., As Custodian or Trustee, a corporation duly organized and doing business at the above captioned address. 2. The Defendant is Craig DeWitt, who is one of the mortgagors of the mortgaged property hereinafter described, and his last-known address is 98 Queen Avenue, Enola, PA 17025. 3. The Defendant is Kimberly M. Woodrow nka DeWitt, who is one of the mortgagors and real owners of the mortgaged property hereinafter described, and her last-known address is 98 Queen '..~ ~. 1. I., ~ , -"JijID~~,- , . .. Avenue, Enola, PA17025. 4. The Defendant is Samuella H. Woodrow, who is one of the mortgagors and real owners of the mortgaged property hereinafter described, and her last-known address is 10 Austel Drive, Marysville, PA 17053. 5. On December 26, 1995, mortgagors made, executed and delivered a mortgage upon the premises hereinafter described to Colonial National Bank, USA which mortgage is recorded in the Office of the Recorder of Cumberland County in Mortgage Book 1298, Page 430. 6. The aforesaid mortgage was thereafter assigned by Colonial National Bank, USA to Bankers Trust Company of California, N.A., As Custodian or Trustee, Plaintiff herein, by Assignment of Mortgage which will be duly recorded in the Office of the Recorder of Cumberland County. 7. The premises subject to said mortgage is described in the mortgage attached as Exhibit "A" and is known as 98 Queen Avenue, Enola, PA 17025. 8. The mortgage is in default because monthly payments of principal and interest upon said mortgage due June 2000 and each month thereafter are due and unpaid, and by the terms of said mortgage, upon default in such payments for a period of one month, the entire principal balance and all interest due thereon are collectible forthwith. . J" ,~" _ . ~I ,_' _,. ,1_ , . , ,,~..- ~l!wnL- 9. The following amounts are due on the mortgage: Principal Balance Interest 5/5/00 through 10/25/00 (Plus $10.47 per diem thereafter) Attorney's Fee Late Charges Corporate Advances Escrow Advances Cost of Suit Appraisal Fee Title Search GRAND TOTAL $37,678.56 $ 1,811. 31 $ 1,883.93 $ 145.22 $ 7.75 $ 426.08 $ 225.00 $ 125.00 $ 200.00 $42,502.85 10. The attorney's 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 Sheriff's Sale. If the mortgage is reinstated prior to the Sale, reasonable attorney's fees will be charged based on work actually performed. 11. Notice of Intention to Foreclose as required by Act 6 of 1974 (41 P.S. ~403) and notice required by the Emergency Mortgage Assistance Act of 1983 has been sent to Defendant by certified mail on the date set forth in the true and correct copies of such notices attached hereto as Exhibit "B." WHEREFORE, Plaintiff demands Judgment against the Defendants in the sum of $42,502.85, together with interest at the rate of $10.47 per diem and other costs and charges collectible under the mortgage and for the foreclosure and sale of the mortgage property. ~~ Ul ~. fV{ cCcJA., T RRENCE J. M ABE, ESQUIRE Attorney for Plaintiff J._ . , , . . VERIFICATION The undersigned, April Carr, hereby certifies that she is the Foreclosure Specialist of the Plaintiff in the within action, Bankers Trust Company of California, N.A., As Custodian or Trustee , and that she is authorized to make this verification and that the foregoing facts are true and correct to the best of her knowledge, information and belief and further states that false statements herein are made subject to the penalties of 18 PA.C.S. !!i4904 relating to unsworn falsification to authorities. , ~ ~~ APRIL RR ~~ ~.- ~, 0;~ I~ ~I~ .....'.' I~ ~ obio ......-1.. ~.~ 1).,,1 FIt,'} ,,,: ~ " .' . ., ~ . . ~.. '. ..., . ........:.:.:'. WHEN RieORDBD, MAIL TO: f.~C:.~::::::~\ .Jf :::::jS ,_~.:3:...::'_,~.:;:; ~OUNTY-?l COLONIAL NATIONAL BANK USA 16875 WEST BERNARDO DRIVE SAN OIBGO, CA 92127 AT'l'H; DOCUMENT CONTROL Parcel Number: '96 JflH ~ PI'I 3 .~~ (Space Aboye This Line For Recording Data) /{~C,SjJ.. / ;)7" , ( MORTGAGE THIS MORTGAGE ("Security Instrument") i$ given on CRAIG OEWITT...and KIKBBRLY M. WOODROW NKA DEWITT and SAMD'ELLA H WOODROW December 26, 1995 . The mortgagor is ("Borrower"). This Security Instrument is given to COIlONI.AL NATIONAL BANK USA which. is organized and existing under the laws of UNITED STATES OP AMERICA address is C/O 1687S WEST BERNARDO DR:tVE, SAN DIEGO, CA 92127 (IOLender"). Borrower owes Lender the principal,sum of , and whose FORTY PIVE THOUSAND & 00/100 Dollars (U.S. $ 45,000.00 ). This debt is evidenced by Borrower's note dated the same date as this Security Instrument ("Note"), which provides for monthly -payments, with the fun debt, if not paid earlier, due and payable on January 5, 2011 . This Security Instrument secures to Lender: (a) me tepayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifICations of the Note: (b) the payment of all ()ther sums, with interest, advanced ,under paragraph 7 to protect the security of this Security Instrument; and (c) me performance C)f Borrower's covenants and agreements under this Security Insttument and the Note. For this purpose, Borrower does h.ereby mortgage. grant and convey to Lender the following described property located in Cumberland County, Pennsylvania: All that tract or parcel of land as shown on Schedule qAR attached hereto which is incorporated herein and made a part hereof. whicl1hastheaddressof 9a QUEEN AV , ENOLA Pennsylvania 1702 S IZip Codel ("Property Addressll);. PENNSYLVANIA. Single Family ~ FNMA/FHLMC UNIFORM INSTRUMENT Form 3039 9/90 CS\ .SR(PA}194101 Amend'~.lf9't~1t~ Vt.4PMOATGAGEFORMS.('OOI521'72gll1"fll~.2SS h\Gt' 4IJfl Pa9'1016 lnlllaI5:_ if ISlretl,City\, II1III11111111111111111111111111111 DEWITT TM027B94 ,",: /' 1-; I BIT "',~O t,.: U~'i -~, o~"""""""'i_lIilIIi.. - ~LJ,;..,~ ,I" . ,,,..-.,.,;''''';'!&it': . ,..... ..r , TOGETHER WITH BlIthe improvements now or hereafter erected on the property, and all easemems, appurtenances, and fIxtures now or hereafter a part of th~ property. All replacements and additions shall also be covered by this Security Inslnlment. AU of the foregoing is referred to in ~is Security Instrument as the "Property." BORROWER COVENANTS that Borrower is lawfully seised of rhe estate hereby conveyed and has the righL to mortgage, grant and convey the Propeny and that me Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the PrOperty again~t aU claims and demands, subject to any encumbrances of record. nus SECURITY INSTRUMEN)' combines unifonn covenants for national use and non.unifonn covenants with limited variations by jurisdiction to constitute ~ unifonn security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of PrincipaJ and In~esti Prepayment and Late Charges. Borrower shall promptly pay when due Lbe principal of and interest on the d~bt evidenced by the Note and any prepayment and late charges due under the Note. 2. Funds for Taxes and Insurance. Subject to applicable law or to a written waiver by Lender, Borrower shall pay to Lender on the day monthly payments are due under lhe Note, until the Note is paid in full, a sum ("Funds") for: (a) yearly taxes and assessments which may atrain priority over this Security Instrument as a lien on the Property; (b) yearly leasehold payments or ground rents on the Property, if any; (c) yearly hazard or property insurance premiums; (d) yearly flood insurance premiums, if any; (e) yearly mortgage insurance premiums, if any; and (f) any sums payable by Borrower to Lender, in accordance with lite provisions of paragraph 8, in litlu of'rhe payment of mortgage insurance premiums. These items are called "Escrow Items." Lender may, at any time, collect lUld hold Funds in an amount not to exceed the maximum amount a lender for a federally related mortgage loan may require for Borrower's escrow account under the federal Rea! Estate Settlement Procedures Act of 1974 as amended from time to time, 12 V.S.C. Section 2601 et seq. ("RESPA"), unless another law that applies to the Funds sets a Jesser amounL If so, Lender may, at afIy time, collect and hold Funds in an amount not to exceed the lesser amount. Lender may estimate the amount of Funds due: on the basis of current data and reasonable estimates df expenditures of future Escrow Items or otherwise in accordance with applicable: law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including tender, if Lender is such an institution) or in any Federal Home Loan Bank, Lender shall apply the Funds to pay the Escrow Items. Lender may not charge Borrower for holding and applying the Funds. annually arialyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and applicable law permits Lender to make such a charge. However, Lender may require Borrower to pay a one-time charge for an independent real esrate tax reporting service used by lender in connection with this loan, unless applicable law provides otherwise. Unless an agreement is made or applicable law requires interest 10 be paid, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender may agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, un annual accounting of the Funds, showing credits and debits La the Funds and the purpos~ for which each debit to the Funds was made. The Funds are pledged as additional security for all sums secured by this Security Instrument, If the Funds held by Lender eJtceed the amounts permilted to be held by applicable law, Lender shall account to Borrower for the excess Funds in accordance with the requirement.1i of applicable law. If the amount of the Funds held by Lender at any time is not suencient to pay the Escrow [terns when due, Lender may so notify Borrower in writing, and, in such case Borrower shall pay to. "~er the amount necessary to make up the deliciency. Borrower shall make up ;the deficiency in no more than twelve ~nthly payments, at Lender's sct~ diScretion. : .. Upon payment in full of all sums secured by lhis Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. If, under paragraph 21, Lender shall acquire or sell the Property, Lend~r, prior to the acquisition or sale or the Property, shall apply any Funds Mid by Lender at the time of acquisition or sale as a 'credit against the sums secured by this Security Instrumen.L 3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender under paragraphs I and 2 shaIl be applied: fust, to any prepayment charges due under the Note; second,.to amounts payable under paragraph 2; third, to interest due; fourth, to principal due; and last, to any late charges due under the Nmte. 4. Chargesj Liens. Borrowef shall pay all taxes, assessments, charges, fines and impositions attributable to the Property which may attain priority over this Security Instrument, and leasehold payments or grounli rents, if any. Borrower shall pay these obligations in the manner provided in paragraph 2, or if not paid in that manner, Borrower shall pay them on time directly to the person owed paymenL Borrower shalt promptly furnish to Lender all notices of amounts to be paid under this paragraph. If Borrower makes these payments directly, Borrower shall promptly furnish to Lender receipts evidencing the paymenlS. Borrower shall promptly discharge any lien 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 La Lender; (b) contests in good faith the lien by, or defends agai~sl enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevenl the. enforcement of the lien; or (c) secures from the holder of the lien an agreement satisfaclOry to Lender subordinating the lien to this Security Instrument If Lende( delermines that any part of the Property is subject to a lien which may attain priority over this Security Instrument, Lender may 8ive Borrower a notice identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving of notice. PEWITiooK1~38 PAGE 4:1 1 TM027S94 Form3~ In;tlal~ Cp . .SR(PA)(9410J . Page211re ",-llItIIIl1l.I.JIlllIM_ -w~ ~I~'~~' """-'~'"-"'.'~i'-,' , ~>. '. . 5. Hazard or Property Insurance. Borrower shall keep the improvemenLS now existing or hereafter erecl.ed on the Properly insured against loSS by fire, hazards included within the term nextended coverage" and any other hazards, including floods or flooding, for which D::nder requires insurance.. This insurance shall be maintained in the amounts and for the periods that Lender requires. The insuranc:e carrier providing the insurance sball be chosen by Borrower subject to Lender's approval which shall not be unreasonably withheld, If Borrower fails to mainta,in coverage described above, Lender may, at Lender's option, obtain coverage to protect Lender's rights in the Property in accordance with paragraph 7. AU insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause. Lender shall have the right to hold the policies and renewals. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. In the event of loss, Borrower shall give prompt notice !O 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, insurance proceeds shall be applied to restoration or repair of the Propeny damaged, if the restoration or repair is economically feasible and Lender's security is not lessened. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds sball be applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Borrower. If Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may collect the insurance proceeds. Lender may use the proceeds to repair or restore me Propeny or to pay sums secured by this Security Instrument, whether or not then due. The 30.day periOd will begin when the notice is given. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not e;lttend or pOSlpone the due date of the mortthly payments referred to in paragraphs 1 and 2 or change the amount of the payments. If under paragraph 21 the Property is acquired by Lender, Borrower's right to any insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security fnstrument immediately prior to the acquisition. 6. Occupancy, Preservation, Maintenance and Protection of the PropertYi Borrower's Loan Applicationj Leaseholds. Borrower- shall occupy, establish, and use the Property as Borrower's principal residence within sixty 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 . date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld. or unless extenuating circumstances exist which are beyond Borrower's conl1OJ. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate, or commit waste on the Property. Borrower shall be in default if any forfeiwre action or proceeding, whether civil or criminal, is begun that in Lender's good faith judgment could result in forfei.ture of the Property or otherwise materially impair the lien created by this Security Instrument or Lender's security interest. Borrower may cure such a default and reinstate, as provided in paragraph 18, by causing the action or proceeding to be dismissed with a ruling that, in Lender's good faith der.ennination, precludes forfeiture of the Borrower's interest in the Property or other material impairment of the lien created by this Security Instrument or Lender's security interest. Borrower shall also be in default if Borrower, during the loan application proce.~s. gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrower's occupancy of the Property as a principal residence. If this Security Instrument is on a leasehold, Borrower shall.t.amply with all th~ provisions of the lease. If Borrower acquires fee title lO the Property, the leasehold and the fee title shall not merge unless Lender agree:s to the merger in writing. ... 7. Protection or Lender's Rights in the Property. If Borrower fails to perfonn the covenanls and abrreements contained in this Security Instrumen~, or there is a legal proceeding that may significantly affect Lender's rights in the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulations), then Lender may do and pay for whatever is nccessaI)' to protect the value of the Property and Lender's rights in the Property. Lender's actions ma)' include paying any sums secured by a lien which has priority over this Security Instrument, appearing in court, paying reasonable attorneys' fees and entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do so. Any amounts disbutsed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument Unless Borrower and Lender agree to other tenns of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. 8, Mortgage Insur.nce. If Lender required mortgage insurance as a condition of making the loan secured. by this Security InS1rumeot, Borrower shall pay the premiums required to maintain the mortgage insurance in effect If, for any reason, the mortgage insurance coverage required by Lender lapses or ceases to be in effect, Borrower shall pay rhe premiums required to obtain coverage substantially equivalent to the mortgage insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the mortgage insurance previously in effect, from an alternate mortgage insurer approved by Lender. If substantially equivalent mortgage insurance coverage is not available, Borrower shall pay to Lender each month a sum equalLO one.twelfth of the yearl~ mortgage insurance premium being paid by BOlTower when the insurance coverage lapsed or ceased to be in effect. Lender will accept, use and retain these payments as a loss reserve in lieu of mongage insurance. Loss reserve DEWITT itiGi; 1~38 fAGi 432 TM027S94 Form 3~3~9~ ~ lllllla~ C'P ~.6R(PA)194101 P;Lge3cl6 "_1IIIlIiIIrIWilI ~-~ I j ~.. '"'- '. - ~ '-t~~t' ..-.".; ",' pl\Yments'may no longer be required, at the option of Lender, if mortgage insurance coverage (in the amount and for the period that Lender requires) provided by an insurer approved by Lender again becomes available and is obtained. Borrower shall pay the premiums required to maintain mortgage insurance in effect, or to provide a loss reserve, until the requirement for mortgage insurance ends in accordance with any written agreement between Borrower and Lender or applicable law. 9. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall give Borrower notice at the time of or prior to an inspection specifying reasonable cause for the inspection. 10. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of any part of the Propeny, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid fD Lender. In the event of a total taking of rhe Property, the proceeds shall be applied to the sums secured by this Security InslrUment. whether or not then due, wirh any excess paid to Borrower, In the event of a paitiaI laking of the Property in which the fair market value of the Property immediately before the taking is equal to or greater th8l1 the amount of the sums secured by this Security Instrument immediately before the taking, unless Borrower and Lender oth,erwise agree in wriling, the sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the taking, divided by (b) the fair market value of the Property immediately before the taking. Any balance shall be paid to Borrower. In the event of a partial taking. of the Property in which the fair market value of the Property immediately before the laking is less than the amount of the sums secured immediately .before lite taking, unless Borrower and Lender otherwise agree in writing or unless applicable law otherwise provides, the proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. [f the Property is abandoned by Borrower, or if, after notice by Lender to Borrower mat the condemnor offers to make an award or 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 proceeds, at its option, either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred. to in paragraphs I and 2 or change the amount of such payments. 11. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's successors in interest. Lender shall not be required to commence proceedings against any successor in interest or refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security InSlI'Umeot by reason of any demand made by the original Borrower or Borrower's successors in interest Any forbearance by Lender in exerciSing any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. 12. Successors and Assigns Boundj Joint and Several Liability; Co~signers. The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the provisions of paragraph 17. Borrower's covenants and agreements shall be joint and several. Any Borrower who co-signs this Security InslI'Ument but does not execute the Note: (a) is co~signing this Security Instrument only to mortgage, grant and convey thal Berrower's interest in the Property under the tenns of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower ~ay agree to extend, modify, forbear or . make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrower's consent. 13. Loan Charges. If the loan secured by this Securily Instrument is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges callected or to be collected in connection with the loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amoun,t necessary to reduce the charge to the pennitted limit; arid (b) any sums already coUecled. from Borrower which exceeded- pennitted limits will be refunded to Borrower. Lender may choose to make lhis refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge under the Note. 14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by nrst class mail unless applicable law requires use of another method. The notice shalt the directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given by rlfst class mail to Lender's address stated herein or any other address Lender designates by notice to Borrower. At,.y notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given as provided in this paragraph. 15. Governing Law; Severability. This Security Instrument shall be governed !by federal law and the law of the jurisdiction in which the Propeny is loealed. In the.. event that any provision or clause of this Security Instrument ,or the Note conflicts with applicable law, such conflict shall not affect other provlll:ions of this Security InslrUment or the Note which can be given effect without the conflicting provision. To this end the provisions of this Security InslrUment and the Note ate declared to be severable. ~ .SR(PA)194101 PallG4 ot II Form 3'31~ lnrllals:~ cO DEWITT _1238 PAtf .4-33 'l'M027894 ~. ....0- ~., .- ~ >,' ..,'. 16. Borrower's Copy. Borrower shall be given one confonned copy of the NOle and of this Security InstrumenL, ~ 17. Transrer n( the Property Dr a Beneficial Interest in Borrower. If aliaI' any part of the Property or any interest in it is sold or transferred (or if &. beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) wilhout Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by lhis Securilv InslrUment However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of lhl:o; Secwity Instrument If Lender exercises this option, 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 delivered or mailed 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 penniued by lhis Security Instrument without further notice or demand on Borrower. lB. Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to havc enforcement of this Security Instrument discnntintTed at any time prior to the earlirr of: (a) 5 days (or such other period as applicable taw may specify Cor reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instrument; or (b) entry of a judgment enforcing this Security Instrument Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (e) pays all expenses incurred ill enforcing this Security Instrument, including. bUl not limited to, reasonable attorneys' fees; and (d) takes such action as Lender may reasonably require to assure that the lien of !.his Security Instrument, Lender's rights in the Property and Borrower's Obligation to pay the sums secured by this Security Insll'ument shall continue unchanged. Upon reinstatement by Borrower, this Securif;y Instrument and the obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under paragraph 17, 19.5aleorNotejCbangeofLoanServic:er. The Note or a partial interest in the Note (together with this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity (known as the "Loan Servicer") dlat collects monthly payments due under the NOIe and this Security Instrument There also may be one or more changes of the Loan Servicer unrelated to a sole of the Note. If there is a change of the Loan Servicer. Borrower wiH be given written. notice of the change in accordance with paragraph 14 above and applicable law. The nlJtice will slate the name and address of the new Loan ServiceI' and the address to which payments should be made. The notice will also conlain any other information required by applicable law, ZO. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release or any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the ProperlY that is in violation of any Environmental Law. The preceding two sentences 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 Ulies and to maintenance of the Property. Borrower shall promptly give Lender written notice of any investigation, claim, demand, lawsuit or other action by uny governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental. Law of which Borrower has actual knowledge. If Borrower learns, or is notified by any governmental or regulatory authority. that uny removal or other remediation of any Hazardous SubsLance affecting the Property is necessary, Borrower shall prompLly take all necessary remedial actions in accordance wiLh Environmental Law. As used in this paragraph 20, "Hazardous Substances" are those substances defined. as tox.ic or hazardous SubSUUlCC!oi by Environmental Law and the following substances: gao;oline. kerosene, other flammable or toxic pell'oleum prOdUCL'i. toxic pesticides and herbicides. volatile solvents. materials containing asbestos or formaldehyde, and radioactive materials, As used in this paragraph 20, "Environmental Law" means federal laws and laws of the jurisdiction where the Property is 10caLed that relate to health, safety or envlronmental protection. .....1 NON-UNIFORM COVENANTS, Borrower and Lender further covenant and agree as follows: ... 21. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach IIf any'covenant Dr agreement in this Security Instrument (but not prior to acceleration under paragraph 17 unless applicable law provides otherwise). Lender shall notify Borrower of, among other things: (a) the default; (b) the action required to cure the deraultj (c) when the default must be curedi and (d) that failure fo cure the default as specified may result in acceleration of the sums secured by this Security Instrument, foreclosure by jUdkial '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 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 imm.ediate payment in full of all sums secured by this Security Instrument without further demand and may foreclose this Security Instrument by judicial proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this paragraph 21, including. but not limited to, attorneys' fees and costs of title evidence to the extent permitted by applicable law. 22. Release. Upon payment of all sums secured by this Security InslI'Ument, this Security Instrument and the estate conveyed shall tenninate and become void, After such occurrence, Lender shall discharge and satisfy this Security Instrumenl without charge to Borrower, Borrower shall pay any recordation costs. 23. Waivers. Borrower, to the extent permitted by applicable law, waives and releases any error or defects in proceedings to enforce this Security Instrument, and hereby waives the benefit of any present or future laws providing for stay of execution, extension of time. exemption from attachment, levy and sale, and homestead exemption, &.UR(PA)(9410) . Form 3039.J~./ Inl'l~ Pag85alB DEWITT foWi t~~8PAGi 434 TM027894 co ~. l&.K' .,; .. .J~ , .,'''',. ......;;+.-'.. ." _ 24. Reinstatement Period. Borrow'er's time to reinstate provided in paragraph 18 shall extend to one hour prior to the commencement of bidding at a sheriffs sale or other sale pursuant to this Security Instrument 25. Purchase Money Mortgage. If any of the debt secured by this Security Instrument is lent to Borrower to acquire title to the Propeny, this Security InSlrUment shall be a pw-chase money mortgage. 26. Interest Rate After Judgment. Borrower agrees that the interest rate payable after a judgment is entered on the Note or in an action of mortgage foreclosure shall be the rate payable from time to time under the Note. 27. Riders to this Security Instrumeot. If one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants and agreements of each such rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as jf the rider(s) were a part of this Security Instrument [Check applicable box(es)] o Adjustable Rare Rider D Graduated Payment Rider o Balloon Rider o VA Rider o Condominium Rider o Planned Unit Development Rider o Rate Improvement Rider o Other(s) [specify] o 1-4 Family Rider D Biweekly Payment Rider D Second Home Rider BY SIGNING BELOW, Borrower accepts and agrees to the tenns and covenants contained in this Security Instrument and in anr rider(s) executed by Borrower and recorded with it Gmp WitnesSes: (Seal) CRAI DEWJ:TT -Borrower ~~L4J~ lCIMB . WOODROW ITT (Seal) -Bal1'ower (Seal) ~17'I"t- i/})Ynkw' AMUELLA H WOODROW (Seal) .Borrower -Borrower Certificate of Residence 1, :r>.A>,"~\~,I...... Ihe within.named Mortgagee is 'oj Witne.'\s my hand this 1C:.~')'f W.st f.3.......~.,.J" Or. ;}. ~ day of o."......\..<< , do hereby certify that the correct address of So. Di'~, CIt fiJ.1 <lot') COMMONWEALTH OF PENNSYLVANIA, L"", .(/Ar" County ss: On this, the d.G day of ICl ",<:-"",,\l. or , \ q ~ ~ , before me, the undersigned officer. p,rsonallyappeared C~q;~ (.)..>,):/01- o~ l<i"'~4I''t 1>). \.)otl;lroll.l ~~A o.vli-l+ me! .)"1""",.11.. If. ~oaJ/'IlI.l ... known to me (or satisfactorily prov"'.t~~~~ person J whose name r s.ubscnb~ to the wlthm Instrument and acknowledged thal jl ~~., ;;<.,.:"".:r4'7" , executed the same for the purposes herem contamed. ,",p ,.:1" "",'" f. >-1 r-.( ""'" ~~I" IN WIlNESS WHEREOF, [hereunto set my hand and orticial seal. ,..' to:,,~:,":':,:.~';:..o.~. 'J( _._.,....,.J , , .,''''...::\.....".. "~;"-... My Commission ExpIres: . .. .~. .,", ;', :~.~;;...,.'t, JeffreYl E~~~~~P~~" t-Hem leld , Lancaster County ymrnon s.,9B Mentlet. p~As&odatIorodNatarie& Form 3039 9/90 Agentof:-.1o ga!:ce TItle of Officer 4& ~BR(PA)(94101 . Pagl6ot6 DEWITT BOOK 1298 PAGE 4:mo27894 (llo) J. ",",'. "- . ~''Jii:! ii,u,:.c.Hr....n .'//' . J........ . idr,'J.C>./,I..o;,:,.:;oV-),:J.: ",e~ _v ~l:" ...... '_':- " .' P5I\-7992 ALL '!lIAT CEIm\IN piece ,,< parcel. of land situate 111 the'TOwnship of East. Pmmsboro,..Ccunty of Cuntaerlcind, and Cannonwealth. of Pennsylwuiia, rrore particularly bounded and descrlbed, as folloWs, 'to wit, ' BE:GlIlIml: at a point. on the SQut:hern side of, Q!e<!~"A;""ue (58 ,feet wide) at. the nort.hem comer of Lot No. ,1 on the hereinaltee' mentioned Plan of lots, t:hence by . ,()Jeon Avenue,' Noeth 68, degiees 38 mmut.es East, a dis,t.ance of Mnq (28.811) feet to a point., at tot lIP. 3 ,on :said Paln, t:hence by IDt No.3, South 21 degrees'3li ininutes !alot, a, distance of Ole hundred fifq (158.88) feet to,a point.' on a fifteen (15) feet,lIide alley, tI1ence by said fifteen (15) foot., alley,;' SOuth 68 degrees 38,minut.es liest., a dist:llnce.of bienq '(28.88) feet. to a distance of One hurxlred fifty (lS8.881 feet. to ,8 point, the PLIICE a BF.mNNIN;. . ' . BEIm Lot No. 2 on a Final SUbdiviSion Plan for ~eet D." and llonria R I.eirenring made by . D.P.' ~fensperger :'llsso<;iates, Canp Hill, Pennsylvania, and recorded,In amber1and County Plan' Book, 34, Page 77. .. . . IIAVllC :rm:ilmN EJ;lFn'Ell a townhOUse '..na nlDlber.rl 98 (Meen' Avenue. SEmi ntE Sl\ME PREHISES which Willaril L. 1la000P and Carole A. IlaCII:>n, 'a/k/a Carole A. C",p, by, Deed elated ;nme 22,1989 and recorded JUne 23, 1989 in CUnber1and coUnty Deed Boo!: 1134, ,Page 211, gront.ed and conveyed Wlto David S. !'bodrow, Sanuel1a H. !'bodrow 'and Kint>erly M. l'bodrow. Whereas the said David S. l'bodrow departeCI this life on whereby title to the 8l1ove'l'remises became vested.in his sUIVivirig heirs. . ' lihereas !:he ,said Kinberly M. ltlodrow has since intemarried and 'is also -knClfln as Kint>erly M. !'bodr,;" Craig" a/k/a'nnt>erly M. l'bodro.H:raig. "" 1:' of Pennsylvania } '''',nlyofCumberland 55 .rdad in the office for the recording of DH<Is ~" d for };wb.rl,g,nd County, . " Book~Vol._Pege' "'" my hand andgeal of office 0 , t?/ ,- :'1i~J~, PA this \.. day 1~ .'~ ~ -'.~~ " 'i~~!'1"f.:~I"i~ ,~....:\\...';;1~r-' :.1;; :.~ _"!'-~~. :ot,~'" ~.Jl"'Y~' ~..~.~.t~~, '''.. "v ' ,"'.... . . ~n-., .~ ''"'p/. _t,,'!V'"(h1':,.,~~, -M/J;i:- '\'I ~ ~;":;-.,-:\..,, .. ';".'~_~~,.;" ,.:..,h! . ,,.:~e'Q,.. ~~1":'-:'.~.,~,r-(f....~r.6'_,.;l;' . '{Jell'-' ~ r- jll..f'l~''':IAt'~J~> . \,-'~ '4"- , . ~' :':"'YiI' . ' ~, ~~~n~;;~~~2~i~.i.::~,.;:;'~-;~~~;'::~~;~'" "J-f~ .' ;;.(';....... ..,~ ~ ;.~.:.J;:'t1-~? ~";~~fts'.~r 800k 1298 PAGE 4-3f; ;1 "' ~~ . - ~ ~..;,' . ' 'V" ADVANTA' Advanta Mortgaga P.O, Box 509011 San Diego, CA 92150-9011 10790 Rancho Semaroo Road San Diego, CA 92127 CRAIG DEWITT 98 QUEEN AV ENOLA PA ~702S DATE: August 7, 2000 RE: Loan number ~836S92 NOTICE OF INTENT TO FORECLOSE ON MORTGAGE YOU ARE IN DEFAULT OF YO~R OBLIGATION TO YOUR LENDER, the present holder of the Note and Mortgage referenced by the above identified loan number. ADVANTA Mortgage Corp. USA is the servicing agent for the holder authorized to act on its behalf. YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO PAY installments of $555.95 each, commencing June 'os, 2000 and subsequent installments thereafter. Late charges have also accrued to this date. Late charges are assessed if the monthly payment is not received within the grace period set forth in your Note. Your monthly late charge is $28.79. Other charges may have also accrued which are due in your loan. AS OF THE DATE OF THIS LETTER, THE NECESSARY TO CURE THE DEFAULT IS AS FOLLOWS: order to cure TOTAL AMOUNT Payments of $555.95 each commencing June 05, 2000 through August OS, 2000: (Corporate Advances included) $ Current Late Charges $ Deferred Late Charges $ CUrrent Return Check Fees $ Deferred Return Check Fees $ Advances by Servicer $ Advances by Investor $ LESS: Partial Payments/Forbearance $ Misc. Unapplied Funds $ TOTAL AMOUNT TO CURE DEFAULT: $ ~,696.74 57.58 .00 .00 .00 60.88 .0 0 .00 .00 ~,815.20 YOU MAY CURE THIS DEFAULT within 30 days of the date of this letter by paying to us the amount of $1,815.20 plus additional installment payments that come due and sny late charges and other charges or fees which have accrued or have been paid on your behalf during that time. Such payment must be made in the the form of cash, certified or bank check, or money order, payable to ADVANTA Mortgage Corp. USA and delivered to the following address: ADVANTA Mortgage Corp. USA Collection Dept. #350 10790 Rancho Bernardo Rd. ~ San Diego CA 92127 (0' '\ If you do not cure the default within 30 days, we intend to ~~. exercise our r~ght to accelerate the mortgage. This means th~t ! . whatever is ow~ng on the original amount borrowed will \ considered due immediately and you will lose the chance to pa~9~ the original mortgage in monthly installments. If you do n~ ~~ the default within 30 days, we intend to instruct our atto s.J:6 ~ start a lawsuit to foreclose on the mortgaged premises. f dbe mortgage is foreclosed upon, your mortgaged property will be sold by the County sheriff to payoff the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up ~' ~.t.~ ,,:-.... \ .p "~ LT.LTR1'lA.Q5 J, ..--.~~ ~ 1O .~. -.;/ ADVANTA" NOTICE OF HOMEOWNERS' CRAIG DEWITT PAGE TWO Advanta Mortgage p.o. Box 509011 San Diego, CA 92150-9011 10790 Rancho Bemardo Road San Diego, CA 92127 EMERGENCY MORTGAGE ASSISTANCE ACT It is only necessary to should adviee ADVANTA intentions. schedule one face-to-face meeting. You Mortgage Corp. USA immediately of your If yo~ 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 Homeowners' Emergency Assistance Applioation with the Pennsylvania Housing Finanoe Agenoy. The consumer credit counseling agency will assist you in filling out your applioation. It must be filed or postmarked within 30 days of your face-to-face meeting. You must either mail your application to the Pennsylvania Housing Finance Agency or you must file it at the offioe of one of the attaohed designated oonsumer credit counseling agencies listed on the attachment to this Notice. The pennsylvania Housing Front street, P.O. Box Telephone Number (717) number) . Finance Agency is looated at: 2101 North 8029, Harrisburg, Pennsylvania 17105. 780-3800 or 1-800-342-2397 (toll free An application for assistance may be obtained from a consumer oredit oounseling agenoy or direotly from the Pennsylvania Housing Finanoe Agenoy. It is extremely important that you file your applioation promptly. If you do not do so, or if you do not follow the other time periods set forth in this letter, foreclosure may prooeed against your home immediately. Available funds for emergency mortgage assistance are very limited. .They will be disbursed by the Agency under the eligibility oriteria established by the Aot. It is extremely important that your application is accurate and oomplete in every respect. The counseling agency will help you to fill out the application. The Pennsylvania'iHousing Finance Agenoy has 60 days to make a decision after it receives your application. During that additional time, no foreclosure prooeedings 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. La notificacion en adjunto es de suma importancia, pues affecta eu derecho a continuar viviendo en au casa. Si no comprende ~1 contenido de esta notificacion obtanga una traducion immediatamente llamando esta agencia (Pennsylvania Housing Finance Agency) sin cargos al numero mencionado arrib~. puedes ear eligible para un prestamo por el programa llamando "Homeowner's Emergency Mprtgage Assistance Program" el cual puede salvar su oasa de la perdida del derecho a redimir su hipoteca. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ALL INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Collection Department #350 ADVANTA Mortgage Corp. USA Attachment: Consumer Credit Counseling Agencies WP12/ACT91BP File Copy LT-LTF\;.P..DS ~='" " -.v' ADVANTAo ~....J_"",,--l _~_~'h Advants Mortgage p.o. Box 509011 San Diego, CA 92150.9011 10790 Rancho Bernardo Road San Diego, CA 92127 CUmberland County CONSUMER CREDIT COUNSELING AGENCIES Consumer Credit Counseling Service of Western Pennsylvania, Inc. 2000 Lingleetown Road Harrisburg, PA 17102 (717) 541-1757 Financial services Unlimited 117 West 3rd Street Waynesboro, PA 17268 (717) 762-3285 Urban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, PA 17101 (717) 234-5925 FAX # (717) 232-4985 YMCA of Carlisle 301 G Street Carlisle, PA 17013 (717) 243-3818 FAX # (717) 243-3948 <t."I..: --------- ----- N ;;r N RETURN RECEIPT SERVICE ,."{, POSTAGe RESTIOOTetloeLJVeI'iV ceRTlFlEDFEE+RETUIiNR5CElPT 'lmM.POSTlIGEAM:IFEES :. r. ".''.' SENT TO: NDTFOA NTElINAT1DNl\l,t.\AI~ '" '" ,.. c r~ ,.. ;~ ;,;., '. '.' '-,:: f. i 1 .\ '!.i ..~.f: _ ;-, ,,', . ;,,'Li', l~' ,\ ..~:' I:~ :.~ 0. PS FORM 3600 US Postal Service "",- '.'L:.'.;' '..~.. -'--''''-..--'''.-.':''''-- -"-"--_._~-~- -- ~T.LTR1"A.05 Receipt for Certified Mail ~---_.._--- g ~ o -" ~ffi w~ ~o o~ ~~ ~g ~~ ~~ ,,0 [;~ w~ u~ ~~ ~ ~ o ~ ~ " '!!1l ',...#it"'.' "'- , -_.& :n; 'V/ ADVANTA' Advanta Mortgage p.o. Box 509011 San Diego. CA 92150-9011 10790 Rancho Bemardo Road San Diego. CA 92127 CRAIG DEWITT 9B QUEEN AV ENOLA PA 17025 DATE: August 7, 2000 RE: Loan number 1B36592 IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 19B3 PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS. Your mortgage is in default because you have failed to pay promptly installments due for a period of at least 60 days. YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO PAY $555.95 each due 6/05/00 and monthly thereafter charges. AS OF THE DATE OF THIS LETTER YOU ARE FOLLOWS: installments of as well as other IN DEFAULT AS Payments of $555.95 each for June 05, 2000 through August 05, 2000: (Corporate Advances included) Current Late Charges Deferred Late Charges CUrrent Return Check Fees Deferred Return Check Fees Advances by Servicer Advances by Investor LESS: Partial payments/Forbearance Misc. Unapplied Funds TOTAL DEFAULT: $ 1,696.74 $ 57.58 $ .00 $ .00 $ .00 $ 60.88 $ .0 0 $ .00 $ .00 $ l,B15.20 You may be eligible for financial assistance that will prevent foreclosure on your mortgage if you comply with the provisions of the Homeowners' Emergency Mortgage Assistance Act of 19B3 (the "Act"). You may be eligible for emergency temporary assistance if your default has been caused by circumstances beyond your control, and if you meet the eligibility requirements of the Act as determined by the Pennsylvania Housing Finance Agency. Please read all of this Notice, it contains an explanation of your rights. Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for 30 days from the date of this Notice. During that time you have the right to arrange a "face-to-face" meeting with a representative of ADVANTA Mortgage Corp. USA, or with a designated consumer credit counseling agency. The purpose of that meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency. That meeting must occur in the next 30 days. If you attend a face-to-face meeting with ADVANTA Mortgage Corp. USA, or with a consumer credit counseling agency identified in this Notice, no further proceeding . in mortgage foreclosure may take place for 30 days after the date of that meeting. You can contact a representative of ADVANTA Mortgage Corp. USA by telephoning our toll free number (BOO) 548-7916 between the hours of 5:00 a.m. and 8:00 p.m. Monday, 6:00 a.m. and 3:00 p.m. Saturday and 6:00 a.m. and 12:00 p.m. Sunday, Pacific Standard Time. The name(s), address (es) and telephone number(s) of (a) designated consumer credit counseling agency(ies) is (are) attached. IT.LTR1JA.05 ~ ~.I" -,. ~"{- .,' -.;/ AD VANTA" NOTICE OF INTENT TO FORECLOSE ON MORTGAGE CRAIG DEWITT Page Two Advanta Mortgage p.o. Box 509011 SM Diego, CA 92150-9011 10790 Rancho Bernardc Road San Diego. CA 92127 to $50. However, if legal proceedings are started against you, you will have to pay the actual incurred'reasonable attorney's fees, even if the fees are more than $50. I All attorney's fees will be added to whatever amount you owe us, which may also include our reasonable costs. IF YOU CURE THE DEFAULT WITHIN THE THIRTY-DAY PERIOD YOU WILL NOT BE REQUIRED TO PAY ATTORNEY'S FEES. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. However, if you have filed a bankruptcy and this mortgage debt was discharged, we cannot sue you personally. If you have not cured the default within the 30 day periOd and foreclosure proceedings have begun, you will have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's foreclosure sale. You may do so by paying the total amount of the unpaid amount due plus any interest and late or other charges then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale (and perform any other requirements under the mortgage) . It is estimated that the earliest date that such a Sheriff's Sale of your Premises could be held would be approximately 90 days from the date foreclosure preceedings begin. This is just an estimated date. 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 will be by calling us at (800) 548-7916, between the hours of 5:00 la.m. and 8:00 p.m. Monday through Friday, 6:00 a.m. and 3:00 p.m. Saturday and 6:00 a.m. and 12:00 p.m. Sunday, Pacific Standard Time. You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff's Sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THIS DEBT. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. YOU HAVE THE RIGHT TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PREMISES SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WOULD CURE THE DEFAULT AND ASSUME THE MORTGAGE DEBT PROVIDED THAT ALL OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE TIME OF SALE. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. If you cure the default, the mortgage will be restored to position as if no default had occurred. However, you entitled to cure a default more than three times in any year. Collection Department #350 ADVANTA Mortgage Corp. USA the same are not calendar WPl2/ACT6BPF File Copy LT-LTR14A-05 I -.v' ADVANTAo -~~"~ Advsnts Mortgage P. o. Box 509011 San Diego, CA 92150-9011 10790 Raflcllo Bernardo Road San Diego, CA 92127 DATE: August 7, 2000 CRAIG DEWITT 10 AUSTEL DR MARYSVILLE PA 170539798 RE: Loan number 1836592 IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS. Your mortgage is in default because you have failed to pay promptly installments due for a period of at least 60 days. YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO PAY $555.95 each due 6/05/00 and monthly thereafter charges. AS OF THE DATE OF THIS LETTER YOU ARE FOLLOWS: Payments of $555.95 each for June 05, 2000 through August 05, 2000: (Corporate Advances inCluded) Current Late Charges Deferred Late Charges Current Return Check Fees Deferred Return Check Fees Advances by Servioer Advances by Investor LESS: Partial Payments/Forbearance Misc. Unapplied Funds TOTAL DEFAULT: installments of as well as other IN DEFAULT AS $ 1,696.74 $ 57.58 $ .00 $ .00 $ .00 $ 60.88 $ .0 0 $ .00 $ .00 $ 1,815.2,0 You may be eligible for financial assistance that will prevent foreclosure on your mortgage if you comply with 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, and if you meet the eligibility requirements of the Act as determined by the Pennsylvania Housing Finance Agency. Please read all of this Notice, it contains an explanat.ion of your rights. Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for 30 days from the date of this Notice. Durihg that time you have the right to arrange a "face-to-facell meeting with a representative of ADVANTA Mortgage Corp. USA, or with a designated consumer credit counseling agency. The purpose of that meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency. That meeting must occur in the next 30 days. If you attend a face-to-face meeting with ADVANTA Mortgage Corp. USA, or with a consumer credit counseling agency identified in this Notice, no further proceeding in mortgage foreclosure may take place for 30 days after the date of that meeting. yOU can contact a representative of ADVANTA Mortgage Corp. USA by telephoning our toll free number (800) 548-7916 between the hours of 5:00 a.m. and 8:00 p.m. Monday, 6:00 a.m. and 3:00 p.m. Saturday and 6:00 a.m. and 12:00 p.m. Sunday, Pacific Standard Time. The name(s), address (es) and telephone number(s) of (a) designated consumer credit counseling agency(ies) is (are) attached. LHTAI<lA-'J5 -~ "' , - "~ "'[' " "- - , ,> ~ ADVI\NTA' NOTICE OF HOMEOWNERS' CRAIG DEWITT PAGE TWO Advsnts Mortgage p.o. Box 509011 San Diego, CA 92150-9011 10790 Rancho Bamardo Road San Diego, CA 92127 EMERGENCY MORTGAGE ASSISTANCE ACT It is only neQessary to should advise ADVANTA intentions. schedule one face-to-face meeting. You Mortgage Corp. USA immediately of your 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 Homeowners' Emergency Assistance Application with the Pennsylvania Housing Finance Agency. The consumer credit ,counseling agency will assist you in filling out your application. It must be filed or postmarked within 30 days of your face-to-face meeting. You must either mail your applioation to the Pennsylvania Housing Finance Agency or you must file it at the office of one of the attached designated consumer credit counseling agencies listed on the attachment to this Notice. The Pennsylvania Housing Front .Street, P.O. Box Telephone Number (71 7) number) . Finance Agency is located at: 2101 North 8029, Harrisburg, Pennsylvania 17105. 780-3800 or 1-800-342-2397 (toll free An application for assistance may be obtained from a consumer credit counseling agency or directly from the Pennsylvania Housing Finance Agency. It is extremely important that you file your ,application promptly. If you do not do so, or if you do not follow the other time periods set forth in this letter, foreclosu~e may proceed against your home immediately. Available funds for emergency mortgage assistance are very limited. They will, be disbursed by 'the Agency under the eligibility criteria established by the Act. It is extremely important that your application is accurate and complete in every respect. The counseling agency will help you to fill out the application. The Pennsylvania Housing Finance Agency has 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. La notificacion en adjunto es de suma importancia, pues affecta au derecho a continuar viviendo en su casa. 5i no comprende e1 contenido de esta notificacion obtanga una traducion immediatamente llamando esta agencia (pennsylvania Housing Finance Agency) sin cargos al numero mencionado arriba. Puedes eer eligible para un prestamo par el programa llamando lIHomeowner's Emergency Mortgage Assistance Program" el cual puede salvar su casa de la perdida del derecho a redimir su hipoteca. THIS IS AN ATTEMPT TO COLLECT A DEBT AND.ALL INFORMATION OBT~INED WILL BE USED FOR THAT PURPOSE. Collection Department #350 ADVANTA Mortgage Corp. USA Attachment: Consumer Credit Counseling Agencies WP12/ACT91BM File copy LT.I~ FlI~A-Q$ -..v ADVJlNTA" lr:~TFIj4A.OS CONSUMER CREDIT COUNSELING AGENCIES CUmberland County Consumer Credit Counseling Service of Western Pennsylvania, !nc. 2000 Linglestown Road HarrisburgJ PA 17102 (n7) 5U-1757 Financial Services Unlimited ~17 West 3rd Street Waynesboro, PA ~7268 (n7) 762-3285 Urban League of Metrop02itan Harrisburg 25 N. Front Street Harrisburg, PA ~7~01 (n 7) 234-5925 FAX # (717) 232-4985 YMCA of Carlisle 301 G Street Carlisle, PA 17013 (n7) 243-3818 FAX # (717) 243-3948 .J1 '" ru '" '" ... ",,",," REOCEtFT SERVICE ------.----.------.-1 ~ I 9 .i ~g;1 ffi::g! !5~; .z g~ .~ ~~ w~ ZO o~ ,,~ 1Il!:2 w. ljw .~ ~. .)., ~- RESTRICTEODalvtm' ~ElmFlEO'E~...Rlt1'U~F\iiCl!tPT . ,~.':~. '" ':.~, ltITiIl,PI;lS'l.'l':iEANCFEES ." ,~: ,; i SENT TO: . - N flJllrellNA.l1~NAl.lMIl. .j '", :.\ ;,1'::;' ,;.(i. t,;' '" i'- ... i.)j'L~L ~ Of {" I':',; ;'.;'.':,.;j ", :';..t, r:'i\ ",.\: 0. PS FORM 3600 US Postal Service Receipt f@1' Certified Mail ..,,-':. '.... r ~ 1 ;: I Advanta Mortgage RO. Box 500011 San DIego, CA 92150-sot1 107$0 Rancho Bernardo Road San Di<JBo, G4 $2127 ~ ~ ~ ~ ')":'. ',,,",,,, '--,J ...v' ADVANTA CRAIG DEWITT 10 AUSTEL DR MARYSVILLE PA 170539798 Advanta Mortgage p.o, Box 509011 San Diego, CA 9215()'9011 10790 Rancho l3ernardo Road San Diego. CA 92127 (B58) 676-3099 DATE: August 7, 2000 RE: Loan number 1836592 NOTICE OF INTENT TO FORECLOSE ON MORTGAGE YOU ARE IN DEFAULT OF YOUR OBLIGATION TO YOUR LENDER, the present holder of the Note and Mortgage referenced by the above identified loan number. ADVANTA Mortgage Corp. USA is the servicing agent for the holder authorized to act on its behalf. YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO PAY installments of $555.95 each, cQrnmencing June 05, 2000 and subsequent installments thereafter. Late charges have also accrued to this date. Late charges are assessed if the monthly payment is not received within the grace period set forth in your Note. Your monthly late charge is $28.79. Other charges may have also accrued which are due in your loan. AS OF THE DATE OF THIS LETTER, THE NECESSARY TO CURE THE DEFAULT IS AS FOLLOWS: order to cure TOTAL AMOUNT Payments of $555.95 each commencing June 05, 2000 through August 05, 2000: (Corporate Advances included) $ Current Late Charges $ Deferred Late Charges $ CUrrent Return Check Fees $ Deferred Return Check Fees $ Advances by Servicer $ Advances by Investor $ LESS: Partial Payments/Forbearance $ Misc. Unapplied Funds $ TOTAL AMOUNT TO CURE DEFAULT: $ 1,696.74 57.58 .00 .00 .00 60.88 .0 0 .00 .00 1,815.20 YOU MAY CURE THIS DEFAULT within 30 days of the date of this letter by paying to us the amount of $1,815.20 plus additional installment payments that come due and any late charges and other charges or fees which have accrued or have been paid on your behalf during that time. Such payment must be made in the the form of cash, certified or bank check, or money order, payable to ADVANTA Mortgage Corp. USA and delivered to the following address: ADVANTA Mortgage Corp. USA Collection Dept. #350 10790 Rancho Bernardo Rd. San Diego CA 92127 If you do not cure the default within 30 days, we intend to exercise our r~ght to accelerate the mortgage. This means that whatever is ow~ng on the original amount borrowed will be considered due immediately and you will lose the chance to payoff the original mortgage in monthly installments. If you do not cure the default within 30 days, we intend to instruct our attorneys to start a lawsuit to foreclose on the mortgaged premises. If the mortgage is foreclosed upon, your mortgaged property will be sold by the County Sheriff to payoff the mortgage debt. If we refer your case to our attorneys, but you cure the default before they LT.LTAI.1A.DS ._~ ~, I ">~"""""l....... ~. "~ , .~ 'n%;j, ~ ADVJ1NTA Advanta Mortgage RO. &x 509011 NOTICE OF INTENT TO FORECLOSE ON MORTGAGE s," 0;'9' CA 92150.9011 CRAIG DEWITT 10790 Rancho Bernardo Road Page Two San Diego. CA 92127 begin legal proceedings against you, you will still h~'7~~ pay the reasonable attorney's fees, actually incurred, up to $50. However, if legal proceedings are started against you, you will have to pay the actual incurred reasonable attorney's fees, even if the fees are more than $50. All attorney's fees will be added to whatever amount you owe us, which may also include our reasonable costs. IF YOU CURE THE DEFAULT WITHIN THE THIRTY-DAY PERIOD YOU WILL NOT BE REQUIRED TO PAY ATTORNEY'S FEES. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. However, if you have filed a bankruptcy and this mortgage debt was discharged, we cannot sue you personally. If you have not cured the default within the 30 day period and foreclosure proceedings have begun, you will have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's foreclosure sale. You may do so by paying the total amount of the unpaid amount due plus any interest and late or other charges then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale (and perform any other requirements under the mortgage) . It is estimated that the earliest date that such a Sheriff's Sale of your Premises could be held would be approximately 90 days from the date foreclosure preceedings begin. This is just an estimated date. 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 will be by calling us at (BOO) 54B-7916, between the hours pf 5:00 a.m. and B:OO p.m. Mpnday through Friday, 6:00 a.m. and 3:00 p.m. Saturday and 6:00 a.m. to 12:00 p.m. Sunday, Pacifio Standard Time. You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff's sale, a lawsuit cpuld be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THIS DEBT. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. YOU HAVE THE RIGHT TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PREMISES SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WOULD CURE THE DEFAULT AND ASSUME THE MORTGAGE DEBT PROVIDED THAT ALL OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE TIME OF SALE. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. If you cure the default, the mortgage will be restored to position as if no default had occurred. However, you entitled to cure a default more than three times in any year. Collection Department #350 ADVANTA Mortgage Corp. USA the same are not calendar WPl2/ACT6BMF File Copy LT_lTJ'lI.iA.{I; I~ - I ~,I '~ ,.'- , '--;;'''i ',' ~ ADVANTA Advanta Mortgage p.o. Box 509011 San Diego, CA 92150.9011 10790 Rancho Bernardo Road San DIego, CA 92127 KIMBERLY M DEWITT 98 QUEEN AV ENOLA PA 17025 DATE: August 7, 2000 RE: Loan number 1836592 IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS. Your mortgage is in default because you have failed to pay promptly installments due for a period of at least 60 days. YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO PAY $555.95 each due 6/05/00 and monthly thereafter charges. AS OF THE DATE OF THIS LETTER YOU ARE FOLLOWS: installments of as well as other IN DEFAULT AS Payments of $555.95 each for June 05, 2000 through August 05, 2000: (Corporate Advances included) Current Late Charges ' Deferred Late Charges Current Return Check Fees Deferred Return Check Fees Advances by Servicer Advances by Investor LESS: Partial Payments/Forbearance Misc. Unapplied Funds TOTAL DEFAULT: $ 1,696.74 $ 57.58 $ .00 $ .00 $ .00 $ 60.88 $ .0 0 $ .00 $ .00 $ 1,815.20 You may be eligible for financial assistance that will prevent foreclosure on your mortgage if you comply with 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, and if you meet the eligibility requirements of the Act as determined by the Pennsylvania Housing Finance Agency. Please read all of this Notice, it contains an eXplanation of your rights. Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for 30 days from the date of this Notice. During that time you have the right to arrange a llface-to-face" meeting with a representative of ADVANTA'Mortgage Corp. USA, or with a designated consumer credit counseling agency. The purpose of that meeting is to attempt to work out a repayment plan. or to otherwise settle your delinquency. That meeting must occur in the next 30 days. If you attend a face-to-face meeting with ADVANTA Mortgage Corp. USA, or with a consumer credit counseling agency identified in this Notice, no further proceeding in mortgage foreclosure may take place for 30 days after the date of that meeting. You can contact a representative of ADVANTA Mortgage Corp. USA by telephoning our toll free number (800) 548-7916 between the hours of 5:00 a.m. and 8:00 p.m. Monday, 6:00 a.m. and 3:00 p.m. Saturday and 6:00 a.m. and 12:00 p.m. Sunday, Pacific Standard Time. The name(s), address (es) and telephone number(s) of (a) designated consumer credit counseling agency (ies) is (are) attached. LT-LTR14,l.-lJS ~~ ~"~ , L , ~. 1~,...1 . ~~ iLl, ~ ADVIINTA' NOTICE OF HOMEOWNERS' KIMBERLY M DEWITT PAGE TWO Advanta Mortgage p.o. BOl( 508011 San Diego. CA 92150-9011 10790 Rancho Bernardo Rosd San Diego. CA 92127 EMERGENCY MORTGAGE ASSISTANCE ACT It is only necessary to should advise ADVANTA intentions. schedule one face-to-face meeting. You Mortgags Corp. USA immsdiately of your 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, Homeowners' Emergency Assistance Application with the Pennsylvania Housing Finance Agency. The consumer credit counseling agency will assist you in filling out your application. It must be filed or postmarked within 30 days of your face-to-face meeting. You must either mail your application to the Pennsylvania Housing Finance Agency or you must file it at the office of one of the attached designated consumer credit counseling agencies listed on the attachment to this Notice. The Pennsylvania Housing Front street, P.O. Box Tslephone Number (717) number) . Finance Agency is located at: 2101 North 8029, Harrisburg, Pennsylvania 17105. 780-3800 or 1-800-342-2397 (toll free An application for assistance may be obtained from a consumer credit counssling agency or directly from the Pennsylvania Housing Finance Agency. It is extremely important that you file your application promptly. If you do not do so, or if you do not follow the other time periods set forth in this letter, foreclosure may proceed against your home immediately. Available funds for smergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. It is extrsmely important that your application is accurate and complete in every rsspect. The counseling agency will help you to fill out the application. The Pennsylvania Housing Finance Agency has 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. La notificacion en adjunto as de suma importancia, pues affecta eu derecho a continuar viviendo en su casa. 8i no comprende el contenido de eeta notificacion obtanga una traducion immediatamente llamando esta agencia (Pennsylvania Housing Finance Agency) sin cargos al nurnero mencionado arriba. Puedes sar eligible para un prestamo por el programa llamando "Homeowner's Emergency Mortgage Assistance Program" el Qual puede salvar su cas a de la perdida del derecho a redimir su hipoteca. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ALL INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Collection Department #350 ADVANTA Mortgage Corp. USA Attachment: Consumer Credit Counseling Agencies WP12/ACT91CM File Copy LT.~TR14A-'JS "" " "L . ~ ~ ADVANTA Advanta Mortgage p.o. Box 509011 San Diego. CA 9215().9()11 10790 Rancho Bernardo Road San Diege, CA 92127 KIMBERLY M DEWITT 98 QUEEN AV ENOLA PA ~7025 DATE: August 7, 2000 RE: Loan number ~836592 NOTICE OF INTENT TO FORECLOSE ON MORTGAGE YOU ARE IN DEFAULT OF YOUR OBLIGATION TO YOUR LENDER, the present holder of the Note and Mortgage referenced by the above identified loan number. ADVANTA Mortgage Corp. USA is the servicing agent for the holder authorized to act on its behalf. YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO PAY installments of $555.95 each, commencing June 05, 2000 and subsequ~t installmenbs thereafter. Late charges have also accrued to this date. Late charges are assessed if the monthly payment is not received within the grace period set forth in your Note. Your monthly late charge is $28.79. Other charges may have also accrued which are due in order to cure your loan. AS OF THE DATE OF THIS LETTER, THE TOTAL AMOUNT NECESSARY TO CURE THE DEFAULT IS AS FOLLOWS: Payments of $555.95 each commencing June 05, 2000 through August 05, 2000: (Corporate Advances included) $ Current Late Charges $ Deferred Late Charges $ CUrrent Return Check Fees $ Deferred Return Check Fees $ Advances by Servicer $ Advances by Investor $ LESS: Partial Payments/Forbearance $ Misc. Unapplied Funds $ TOTAL AMOUNT TO CURE DEFAULT: $ ~,696.74 57.58 .00 .00 .00 60.88 .0 0 .00 .00 1,815.20 YOU MAY CURE THIS DEFAULT within 30 days of the date of this letter by paying to us the amount of $~,8~5.20 plus additional installment payments that come due and any late charges and other charges or fees which have accrued or have been paid on your behalf during that time. Such payment must be made in the the form of cash, certified or bank check, or money order, payable to ADVANTA Mortgage Corp. USA and delivered to the following address: ADVANTA Mortgage Corp. USA Collection Dept. #350 10790 Rancho Bernardo Rd. San Diego CA 92127 If you do not cure the default within 30 days, we intend to exercise our r~ght to accelerate the mortgage. This means that whatever is ow~ng on the original amount borrowed will be considered due immediately and you will lose the chance to payoff the original mortgage in monthly installments. If you do not cure the default within 30 days, we intend to instruct our attorneys to start a lawsuit to foreclose on the mortgaged premises. If the mortgage is foreclosed upon, your mortgaged property will be sold by the County Sheriff to payoff the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up LT.Lml~A.Q~ . - ~, -1 11 - ,,~ ~ __ I ~~~I n <y '~M:lii~~,j V ADVANTA NOTICE OF INTENT TO FORECLOSE ON MORTGAGE KIMBERLY M DEWITT Page Two Advanta Mortgage AD. Box 509011 San Diego. CA 92150.9011 10790 RanchO Bernardo Road San Diego. CA 92127 to $50. HOwever, if legal proceedings are started against you, you will have to pay the actual incurred reasonable attorney's fees, even if the fees are more than $50. All attorney's fees will be added to whatever amount you OWS us, which may also include our reasonable costs. IF YOU CURE THE DEFAULT WITHIN THE THIRTY-DAY PERIOD YOU WILL NOT BE REQUIRED TO PAY ATTORNEY'S FEES. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. However, if you have filed a bankruptcy and this mortgage debt was discharged, we cannot sue you personally. If you have not cured the default within the 30 day period and foreclosure proceedings have begun, you will have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's foreclosure sale. You may do 80 by paying the total amount of the unpaid amount due plus any interest and late or other charges then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale (and perform any other requirements under the mortgage) . It is estimated that the earliest date that such a Sheriff's Sale of your Premises could be held would be approximately 90 days from the date foreclosure preceedings begin. This is just an estimated date. 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 will be by calling us at (800) 548-7916, between the hours of 5:00 a.m. and 8:00 p.m. Monday through Friday, 6:00 a.m. and 3:00 p.m. Saturday and 6:00 a.m. and 12:00 p.m. Sunday, Pacific Standard Time. You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff's Sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THIS DEBT. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY' ACTING ON YOUR BEHALF. YOU HAVE THE RIGHT TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PREMISES SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WOULD CURE THE DEFAULT AND ASSUME THE MORTGAGE DEBT PROVIDED THAT ALL OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE TIME OF SALE. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. If you cure the. default, the mortgage will be restored to position as if no default had occurred. However, you entitled to cure a default more than three times in any year. the same are not calendar COllection Department #350 ADVANTA Mortgage Corp. USA WP12!ACT6CPF File Copy IT-LTR14A.05 --- P087M;~~~;-.- . 12 I!!. /J" ~~, "c. co, 1l.0(' f2~1 I<~' o:c:! gfS,t ~l;: wS2' ~~' .is ~ ~ ADVANTA CONSUMER CREDIT COUNSELING AGENCIES Cumberland County Consumer Credit Counseling Service of Western Pennsylvania, Inc. 2000 Linglestown Road Harrisburg, PA 17102 (717) 541-1757 Financial Services unlimited 117 west 3rd Street Waynesboro, PA 17268 (717) 762-3285 Orban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, PA 17101 (717) 234-5925 FAX # (717) 232-4985 YMCA of Carlisle 301 G Street Carlisle, PA 17013 (717) 243-3818 FAX # (717) 243-3948 1'0,.-. -- ~- -.- --- ~I!' -"-._~ -_ RESTI!lcn;OIlEU\lERY CE/lTlF/eOFeE Tm\tp .IlETliRNRE"Cl:1PT CISlll~AA/)FEI!'S NOtFOi1IN1Eq~~M.\ii: --- .. I"- ru '" '" .. ~ .;c,"~ FlETURN AeCSfPT SS.qVICE c....;. ~ '" ",' Q l"- e; a. : {,"; .~... /'.~.. f "'..'i :, .. ~ '<.il:-'.\1: - '~~},l) . " ",. '.~' Ps PORM 3800 us Pc stal Service ;,/~. '. ..------.- -- --- -- -- --- -.- -----~.. , -'b:",1 ".,"r "->,.,;' "';:'i':: L.T-LTR1';A-05 ~ ~~I Advanta Mortgage p.o. Box 509011 San Diego. CA 92150-9011 10790 Rancho Bernardo Road San Diego, CA 92127 ~ g N . till> Iii.';;';": I~" c . . ~ ADVANTA' I. ,'tA;' ~~ Advanta Mortgage p.o. Sox 509011 San Diego, CA 92150.9(J11 10790 Rancho Serna(do Road San Diego. CA 92127 DATE: August 7, 2000 KIMBERLY M DEWITT 10 AUSTEL DR MARYSVILLE PA 170539798 RE: Loan number 1836592 IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS. Your mortgage is in default because you have failed to pay promptly installments due for a period of at least 60 days. YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO PAY $555.95 each due 6/05/00 and monthly thereafter charges. AS OF THE DATE OF THIS LETTER YOU ARE FOLLOWS: Payments of $555.95 each for June 05, 2000 through August 05, 2000: (Corporate Advances inclUded) Current Late Charges Deferred Late Charges CUrrent Return Check Fees Deferred Return Check Feee Advances by Servicer Advances by Investor LESS: Partial Paymente/Forbearance Misc. Unapplied Funds TOTAL DEFAUJ:,T: installments of as well as other IN DEFAULT AS $ 1,696.74 $ 57.58 $ .00 $ .00 $ .00 $ 60.88 $ .0 0 $ .00 $ .00 $ 1,815.20 You may be eligible for financial assistance that will prevent forecloeure on your mortgage if you comply with the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Actll). You may be eligible for emergency temporary assistance if your default has been caused by circumstances beyond your control, and if you meet the eligibility requirements of the Act as determined by the Pennsylvania Housing Finance Agency. Please read all of this Notice, it contains an explanation of your rights. Under the Act, you are entitled to a temporary etay of foreclosure on your mortgage for 30 days from the date of thie Notice. During that time you have the right to arrange a "face-to-face" meeting with a representative of ADVANTA Mortgage Corp. USA, or with a designated consumer credit couneeling agency. The purpose of that meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency. That meeting must occur in the next 30 daye. If you attend a face-to-face meeting with ADVANTA Mortgage Corp. USA, or with a coneumer credit counseling agency identified in this Notice, no further proceeding in mortgage forecloeure may take place for 30 days after the date of that meeting. You can contact a representative of ADVANTA Mortgage Corp. USA by telephoning our toll free number (800) 548-7916 between the hours of 5:00 a.m. and 8:00 p.m. Monday, 6:00 a.m. and 3:00 p.m. saturday and 6:00 a.m. and 12:00 p.m. sunday, Pacific Standard Time. The name(s), address (es) and telephone number(s) of (a) designated consumer credit counseling agency (ies) is (are) attached. LT.LTi'l14A.05 Ij, ,. ~ "lL Jd" ~ ADVANTA NOTICE OF HOMEOWNERS' KIMBERLY M DEWITT PAGE TWO Advanta Mortgage p.o. Sox 509011 San Diego, CA 92150-9011 f0790 Rancho Bernardo Road San Diego, CA 92127 EMERGENCY MORTGAGE ASSISTANCE ACT It is only necessary to should advise ADVANTA intentions. schedule one face-to-face meeting. You Mortgage Corp. USA immediately of your 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 Homeowners' Emergency Assistance Application with the Pennsylvania Housing Finance Agency. The consumer credit counseling agency will assist you in filling out your application. It must be filed or postmarked within 30 days of your face-to-face meeting. You mu~t either mail your application to the Pennsylvania Housing Finance Agency or you must file it at the office of one of the attached deeignated coneumer credit couneeling agencies listed on the attachment to this Notice. The pennsylvania Housing Front street, P.O. Box Telephone Number (71 7) number) . Finance Agency is located at: 2101 North 8029, Harrisburg, Pennsylvania 17105. 780-3800 or 1-800-342-2397 (toll free An application for assistance may be obtained from a consumer credit counseling agency or directly from the Pennsylvania Housing Finance Agency. It ie extremely important that you file your applic~tion promptly. If you do not do so, or if you do not follow the other time periods set forth in this letter, foreclosure may proceed against your home immediately. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. It is extremely important that your application is accurate and complete in every. respect. The counseling agency will help you to fill out the application. The Pennsylvania Housing Finance Agency has 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. La notificacion en adjunto es de suma importancia, pues affecta su derecho a continuar viviendo en su casa. Si no comprende el contenido de esta notificacion obtanga una traducion immediatamente llamando esta agencia (Pennsylvania Houeing Finance Agency) sin cargos al numero mencionado arriba. Puedes ser eligible para un prestamo por el programa llamando "Homeowner's Emergency Mortgage Assistance Program" el cual puede salvar su casa de la perdida del derecho a redimir su hipoteca. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ALL INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Collection Department #350 ADVANTA Mortgage Corp. USA Attachment: Consumer Credit Counseling Agencies WP12/ACT91CP File Copy LHiRl,A.C5 I" I~ . o~ , . ',. I' L i!. .n, '-,- ~ ADVANTA' CONSUMER CREDIT COUNSELING AGENCIES Advanta Mortgage p.o. 80)15090/1 S6n Diego. CA 92150-9011 10790 Rsnr;ho Bsmarda Road San Diego, CA 92127 Cumberland County Consumer Credit Counseling Service of Western Pennsylvania, Inc. 2000 Linglestown Road HarriSburg, PA 17102 (717) 541-1757 Financial Services Unlimited 117 West 3rd Street Waynesboro, PA 17268 (717) 762-3285 Urban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, PA 17101 (717) 234-5925 FAX # (717) 232-4985 YMCA of Carlisle 301 G StJ::eet Carlisle, PA 17013 (717) 243-3818 FAX # (717) 243-3948 RIOl'URN ReCEIPT ~ SEi.RVICe ru '" '" lr to r- '" a. ':'::... ';' .'~~'" , 1",,"- ~:. :~ ',i;J , - NAnONALMAlL "".' , . . ~'( :.\ ~,l c.: ,': t. .; " .iJ. J'~' .,L "l~' .'. l' ,-{'Il;' ~U",. i,";\ ~,"i I:, ~:. ,;', : .~. PS FORM 3800 US Postal ServIce Receipt for Certified Mail i ~ Q . i! . /. ...l . .' '..' i-' ;:' . ~, " 1.. ~ ) 1 '.: :1 :i, ;',,:, ,-, l;..LfR14A.~ ...1, -,'," --" ::~,.: '. ,- ~ ADVANTAo Advanta Mortgage p.o. Box 509011 San Diego, CA 92150.9011 10790 Rancho Bernardo Road San Diego, CA 92127 KIMBERLY M DEWITT 10 AUSTEL DR MARYSVILLE FA 170539798 DATE: August 7, 2000 RE: Loan number 1836592 NOTICE OF INTENT TO FORECLOSE ON MORTGAGE YOU ARE IN DEFAULT OF YOUR OBLIGATION TO YOUR LENDER, the present holder of the Note and Mortgage referenced by the above identified loan number. ADVANTA Mortgage Corp. USA is the servicing agent for the holder authorized to act on its behalf. YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO PAY installmente of $555.95 each, commencing June 05, 2000 and subsequent installments thereafter. Late charges have also accrued to this date. Late charges are assessed if the monthly payment is not received within the grace period set forth in your Note. Your monthly late charge is $28.79. Other charges may have also accrued which are due in order to cure your loan. AS OF THE DATE OF THIS LETTER, THE TOTAL AMOUNT NECESSARY TO CURE THE DEFAULT IS AS FOLLOWS: Payments of $555.95 each commencing June 05, 2000 through August 05, 2000: (Corporate Advancee included) $ Current Late Charges $ Deferred Late Charges $ Current Return Check Fees $ Deferred Return Check Fees $ Advances by Servicer $ Advances by Investor $ LESS: Partial payments/Forbearance $ Misc. Unapplied Funds $ TOTAL AMOUNT TO CURE DEFAULT: $ 1,.696.74 57_58 .00 .00 .00 60.88 .0 0 .00 .00 1,815.20 YOU MAY CURE THIS DEFAULT within 30 days of the date of this letter by paying to us the amount of $1,815.20 plus additional installment payments that come due and any late charges and other charges or fees which have accrued or have been paid on your behalf during that time. Such payment must be made in the the form of cash, certified or bank check, or money order, payable to ADVANTA Mortgage Corp. USA and delivered to the followihg address: ADVANTA Mortgage Corp. USA Collection Dept. #350 10790 Rancho Bernardo Rd. San Diego CA 92127 If you do not cure the default within 30 days, we intend' to exercise our r~ght to accelerate the mortgage. This means that whatever is oWlng on the original amount borrowed will be considered due immediately and you will lose the chance to payoff the original mortgage in monthly installments. . If you do not cure the default within 30 days, we intend to inetruct our attorneys to start a lawsuit to foreclose on the mortgaged premisee. If the mortgage is foreclosed upon, your mortgaged property will be sold by the County Sheriff to payoff the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up LT-LTA1~A.05 - - ~ ~ - ",-- kJJtl~;, ~ ADVANTA' NOTICE OF INTENT TO FORECLOSE ON MORTGAGE KIMEERLY M DEWITT Page Two Advanta Mortgage p.o. Box 509011 San DI1390. CA 92150-9011 10790 Rancho Bernardo Road San Diego. CA 92127 to $50. HoWever, if legal proceedings are started against you, you will bave to pay the actual incurred .reasonable attorney's fees, even if the fees are more than $50. All attorney's fees will be added to whatever amount you owe us, which may also include our reasonable coets. IF YOU CURE THE DEFAULT WITHIN THE THIRTY-DAY PERIOD YOU WILL NOT BE REQUIRED TO PAY ATTORNEY'S FEES. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. However, if you have filed a bankruptcy and thie mortgage debt was discharged, we cannot sue you personally. If you have not cured the default within the 30 day period and foreclosure proceedings have begun, you will have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff'e foreclosure sale. You may do so by paying the total amount of the unpaid amount due plus any interest and late or other charges then due, as well ae the reasonable attorney's fees and coets connected with the foreclosure sale (and perform any other requirements under the mortgage) . It is estimated that the earliest date that such a Sheriff's Sale of your Premises could be held would be approximately 90 daye from the date forecloeure preceedings begin. This is just an estimated date. 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 will be by calling us at (800) 548-7916, between the hours of 5:00 a.m.. and 8:00 p.m. Monday through Friday, 6:00 a.m. and 3:00 p.m. Saturday and 6:00 a.m. and 12:00 p.m. Sunday, Pacific Standard Time. You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff's Sale, a lawsuit could be started to evict you. You have additional righte to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THIS DEBT. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. YOU HAVE THE RIGHT TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PREMISES SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WOULD CURE THE DEFAULT AND ASSUME THE MORTGAGE DEBT PROVIDED THAT ALL OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE TIME OF SALE. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. If you cure the default, the mortgage will be restored to position as if no default had occurred. However, you entitled to cure a default more than three times in any year. the eame are not calendar Collection Department #350 ADVANTA Mortgage Corp. USA WP12/ACT6CMF File Copy LT.~TR14A.05 - ~ 1-- b ~ I~ . ,.I -' ~ '~"='~~ .,';~--,"","",-, ;';':'",' ., ~ ADVJ1NTA' Advanta Mortgage p.o. Sox 509011 San Diego, CA 92150-9011 10790 Rancho Bernardo Road San Diego. CA 92127 SAMUELLA WOODROW 98 QUEEN AV ENOLA PA 17025 DATE: August 7, 2000 RE: Loan number 1836592 NOTICE OF INTENT TO FORECLOSE ON MORTGAGE YOU ARE IN DEFAULT OF YOUR OBLIGATION TO YOUR LENDER, the present holder of the Note and Mortgage rsferenced by the above identified loan number. ADVANTA Mortgage Corp. USA is the servicing agent for the holder authorized to act on its behalf. YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO PAY installments of $555.95 each, commencing June 05, 2000 and subsequent installments thereafter. Late charges have also accrued to this date. Late charges are assessed if the monthly payment is not received within the grace period set forth in your Note. Your monthly late charge is $28.79. Other charges may have also accrued which are due in order to cure your loan. AS OF THE DATE OF THIS LETTER, THE TOTAL AMOUNT NECESSARY TO CURE THE DEFAULT IS AS FOLLOWS: Payments of $555.95 each commencing June 05, 2000 through Auguet 05, 2000: (Corporate Advancee included) $ Current Late Charges $ Deferred Late Charges $ Current Return Check Fees $ Deferred Return Check Feee $ Advances by Servicer $ Advances by Investor $ LESS: Partial payments/Forbearance $ Misc. Unapplied Funds $ TOTAL AMOUNT TO CURE DEFAULT: $ 1,696.74 57.58 .00 .00 .00 60.88 .0 0 .00 .00 1,815.20 YOU MAY CURE THIS DEFAULT within 30 days of the date of this letter by paying to us the amount of $1,815.20 plus additional installment paymente that come due and any late chargee and other charges or fees which have accrued or have been paid on your behalf during that time. Such payment must be made in the the form of cash, certified or bank check, or money order, payable to ADVANTA Mortgage Corp. USA and delivered to the following addrees: ADVANTA Mortgage Corp. USA Collection Dept. #350 10790 Rancho Bernardo Rd. San Diego CA 92127 If you do not CUre the default within 30 days, we intend to ,exercise our ~ight to accelerate the mortgage. This means that whatever is owing on the original amount borrowed will be considered due immediately and you will lose the chance to payoff the original mo~tgage in monthly installments. If you do not cure the default within 30 days, we intend to instruct our attorneye to start a lawsuit to foreclose on the mortgaged premises. If the mortgage ie foreclosed upon, your mortgaged property will be sold by the County Sheriff to payoff the mortgage debt. If we refer your case to ou~ attorneys, but you cure the default before they begin legal p~oceedings against you, you will etill have to pay the reasonable attorney's fees, actually incurred I up I.T-I.TR14A-oS ~. ~~ L ~-.- , . " .. =~ - -< ~ '" ~i%_' .' ~ ADVANTA" NOTICE OF INTENT TO FORECLOSE ON MORTGAGE SAMUELLA WOODROW Page Two Advanta Mortgage p.o. Box 509011 Sail Diego. CA 92150-9011 10790 Rancho Bernardo Road San Diego. CA 92127 to $50. However, if legal proceedings are started against you, you will have to pay the actual incurred reasonable attorney's fees, even if the fees are more than $50. All attorney's fees_will be added to whatever amount you owe us, which may aleo include our reasonable coste. IF YOU CURE THE DEFAULT WITHIN THE THIRTY-DAY PERIOD YOU WILL NOT BE REQUIRED TO PAY ATTORNEY'S FEES. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. However, if you have filed a bankruptcy and this mortgage debt was diecharged, we cannot sue you personally. If you have not cured the default within the 30 day period and foreclosure proceedings have begun, you will have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's foreclosure sale. You may do so by paying the total amount of the unpaid amount due plus any interest and late or other charges then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale (and perform any other requirements under the mortgage) . It is estimated that the earliest date that such a Sheriff's Sale of your Premises could be held would be appr6ximately 90 days from the date forecloeure preceedings begin. Thi~ is just an estimated date. A notice of the actual date of the Sheriff's 'Sale will be sent to you before the eale. Of couree, the amo~nt needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment. will be by calling us at (800) 548-7916, between the hours of 5:00 a.m. and 8:00 p.m. Monday through Friday, 6:00 a.m. and 3:00 p.m. Saturday and 6:00 a.m. and 12:00 p.m. Sunday, Pacific Standard Time. You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to remain 'in it. If you continue to live in the property after the Sheriff's Sale, a lawsuit could be started to evict you. You have additional righte to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THIS DEBT. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. YOU HAVE THE RIGHT TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PREMISES SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WOULD CURE THE DEFAULT AND ASSUME THE MORTGAGE DEBT PROVIDED THAT ALL OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE TIME OF SALE. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. If you cure the default, the mortgage will be restored to position as if no default had occurred. However, you entitled to cure a default more than three times in any year. the same are not calendar collection Department #350 ADVANTA Mortgage Corp. USA WP12!ACT6CPF File Copy I.T-LTR\4A-o/.> " -, " - - ~ "'--,'~= , 1 '. .,. ~ ADVANTA" CONSUMER CREDIT COUNSELING AGENCIES Advanta Mortgage P.O, 80)( 509011 SanDiego. CA921SMJ01t 10790 Rancho Bernardo Road Sa" Dfego, CA 92127 Cumberland County Coneumer Credit Counseling Service of Western Pennsylvania, Inc. 2000 Linglestown Road Harrisburg, PA 17102 (717) 541-1757 Financial Services Unlimited 117 West 3rd Street Waynesboro, PA 17268 (717) 762-3285 Urban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, PA 17101 (717) 234-5925 FAX # (717) 232-4985 YMCA of Carlisle 301 G Street Carlisle, PA 17013 (717) 243-3818 FAX # (717) 243-3948 -----.~--- a- m m "' U1 lI" t:l r- lI" c.. '. ~, ., RETURN RECEIPT SEFMce """'" IlESl1lICIEDOEU\lERV CEiRT1FlEClFl;E+RIl;T1JFINR&;E1PT :.."..:' ..;;.._':< SENT 0: l'O!N.FOS1)lGEMt1nES ~:,' _:,~ II<<n"FOR~Al.t.WL- SAMUELLA WOODROW .. ~ i) :' _': -: ,._~ .~ \1 ,,,.L,.I ,-. ,,<. ~.;-~. "; '; PS PORM 3800 US Postal Service Receipt fol' Certified Mall ~ z ~ o . ;; ,,\/.; I, '. .'.: ,', (,,.->:,~' -. ':.~' -:,:,~, t...; . .'~: .... T :: --- ------.-----.------.-------.---.-- LI.LI'l'i14A"'5 ..JI _ ~ ADVANTA" M" ""," 'ir.{ Advanta Mortgage p.o. Sox 509011 Sail Diego. C4 92150-9011 10790 Rancho BiNIlardo Road San Diego. C4 92127 DATE: August 7, 2000 Sl,MUELLA WOOD~Ow 10 AUSTEL DR MARYSVILLE PA 170539798 RE: Loan number 1836592 IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS. Your mortgage is in default because you have failed to pay promptly installments due for a period of at least 60 days. YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO PAY $555.95 each due 6/05/00 and monthly thereafter charges. AS OF THE DATE OF THIS LETTER YOU ARE FOLLOWS: paymente of $555.95 each for June 05, 2000 through August 05, 2000: (Corporate Advances included) Current tate Charges Deferred Late Charges Current Return Check Fees Deferred Return Check Fees Advances by Servicer Advancss by Investor LESS: Partial payments/Forbearance Misc. unapplied Funds TOTAL DEFAULT: installments of as well as other IN DEFAULT AS $ 1,696.74 $ 57.58 $ .00 $ .00 $ .00 $ 60.88 $ .0 0 $ .00 $ .00 $ 1,815.20 You may be eligible for financial aesistance that will prevent foreclosure on your mortgage if you comply with the provisione of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Act"). You may be eligible for emergency temporary aesistance if your default has been caused by circumstances beyond your control, and if you meet the eligibility requirements of the Act as determined by the Pennsylvania Housing Finance Agency. Please read all of this Notice, it contains an explanation of your rights. Under the Act, you are entitled to a temporary etay of foreclosure on your mortgage for 30 days from the date of this Notice. During that time YOU have the right to arrange a "face-to-face" meeting with a representative of ADVANTA Mortgage Corp. USA, or with a deeignated Consumer credit couneeling agency. The purpose of that meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency. That meeting muet occur in the next 30 days. If .you attend a face-to-face meeting with ADVANTA Mortgsge Corp. USA, or with a consumer credit counseling agency identified in this Notice, no further proceeding in mortgage foreclosure may take place for 30 daye after the date of that meeting. You can contact a representative of ADVANTA Mortgage Corp. USA by telephoning our toll free number (800) 548-7916 between the hours of 5:00 a.m. and 8:00 p.m. Monday, 6:00 a.m. and 3:00 p.m. Saturday and 6:00 a.m. and 12:00 p.m. Sunday, Pacific Standard Time. The name(s), address (ee) and telephone number(s) of (a) designated consumer credit counseling agency(ies) is (are) attached. \.RTR1~A.O~ Iii;. .J~ ~ ~~ L ". ..J",-, "-'[[Jl4''''':; ~, :'" ~ ADVIINTA' Advanta Mortgage p.o. Box 509011 San Diego. CA $2150.9011 10790 Rancho BernaKlO Road San Diego. CA 92127 NOTICE OF HOMEOWNERS' . S.IMllELLA WOODROW PAGE TWO EMERGENCY MORTGAGE ASSISTANCE ACT It is only necessary to schedule one face-to-face meeting. You should advise ADVANTA Mortgage Corp. USA immediately of your intentions. 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 Homeowners' Emergency Assistance Application with the Pennsylvania Housing Finance Agency. The consumer credit counseling agency will assist you in filling out your application. It must be filed or poetmarked within 30 days of your face-to-face meeting. You must either mail your application to the Pennsylvania Housing Finance Agency or you must file it at the' office of one of the attached designated consumer credit counseling agencies listed on the attachment to this Notice. The pennsylvania Housing Front Street, P.O. Box Telephone Number (717) number) . Finance Agency is located at: 2101 North 8029, Harrisburg" Pennsylvania 17105. 780-3800 or 1-800'-342-2397 (toll free An application for assistance may be obtained from a consumer credit couneeling agency or directly from the Pennsylvania Housing Finance Agency. It is extremely important that you file your application promptly. If you do not do so, or if you do not follow the other time periods set forth in this letter, foreclosure may proceed against your home immediately. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. It is extremely important that your application is accurate and complete in every respect. The counseling agency will help you to fill out the application. The Pennsylvania Housing Finance Agency has 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 t~me requirements set forth above. You will be notified directly by that Agency of its decision on your application. La notificacion en adjunto as de suma importancia, pues affecta su derecho a continuar viviendo en au casa. Si no comprende e1 contenido de esta. notificacion obtanga una traducion immediatamente llamando esta agencia (Pennsylvania Housing Finance Agency) sin cargos al numero mencionado arriba. puedes eer eligible para un prestamo por el programa llamando "Homeowner's Emergency Mortgage Assistance Program" el cual puede ealvar su casa de la perdida del derecho a redimir su hipoteca. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ALL INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE_ Collection Department #350 ADVANTA Mortgage Corp. USA Attachment: Consumer Credit Counseling Agencies nl-E WP12/ACT91CM Gertified Copy !- .~ 1- ,1 .- .11l1i~~_ 'V' ADVANTAo NOTICE OF INTENT TO FORECLOSE ON MORTGAGE SAMUELLA WOODROW Page Two Advanta Mortgage p.o. Bo.~50901l San D(ego, CA 92150.9011 fOrgO Rancho Bernardo Ro.~d San Diego, CA 92127 begin legal proceedings against you, you will still have to the reasonable attorney's fees, actually incurred, up to However, if legal proceedings are etarted against you, you have to pay the actual incurred reasonable attorney's fees, if the fees are more than $50. pay $50. will even All attorney's fees will be added to whatever amount you owe us, which may also include our reasonable costs. IF YOU CURE THE DEFAULT WITHIN THE THIRTY-DAY PERIOD YOU WILL NOT BE REQUIRED TO PAY ATTORNEY'S FEES. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. However, if you have filed a bankruptcy and this mortgage debt was discharged, we cannot sue you personally. If you have not cured the default within the 30 day period and foreclosure proceedings have begun, you will have the right to cure the default and prevent the eale at any time up to one hour before the Sheriff's foreclosure sale. You may do so by paying the total amount of the unpaid amount due plus any interest and late or other charges then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale (and perform any other requirements under the mortgage) . It ie eetimated that the earliest date that such a Sheriff's Sale of your premiees could be held would be approximately 90 days from the date foreclosure preceedings begin. Thie is just an estimated date. A notice of the actual date of the Sheriff's Sale will be eent 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 will be by calling us at (800) 548-7916, between the hours of 5:00 a.m. and 8:00 p.m. Monday through Friday, 6:00 a.m. and 3:00 p.m. Saturday and 6:00 a.m. and 12:00 p.m. Sunday, Pacific Standard Time. You should realize that a Sheriff's Sale will end your ownerehip of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff's Sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THIS DEBT. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. YOU HAVE THE RIGHT TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PREMISES SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WOULD CURE THE DEFAULT AND ASSUME THE MORTGAGE DEBT PROVIDED THAT ALL OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE TIME OF SALE. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. If you cure the default, the mortgage will be reetored to position as if no default had occurred. However, you entitled to cure a default more than three times in any year. the same are not calendar THIS IS AN ATTEMPT TO COLLECT A DEBT AND ALL INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Collection Department #350 ADVANTA Mortgage Corp. USA Fli-E WP12/ACT6CM C~rtifisd Copy !.HTA1~A.os ~...~~ '" "~ , .-~ - "ilI~ ~ ~ ADVANTA' Advanta Mortgage p.o. Box 509011 San Diego. CA 92150-91)11 10790 Rancho Bemardo Road San Diego, CA 92127 SAMUE;;LA WOODROW 98 QUEEN AV ENOLA PA 17025 DATE: August 7, 2000 RE: Loan number 1836592 IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS. Your mortgage is in default because you have failed to pay promptly installmente due for a period of at least 60 days. YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO PAY $555.95 each due 6/05/00 and monthly thereafter charges. AS OF THE DATE OF THIS LETTER YOU ARE FOLLOWS: installments of as well as other IN DEFAULT AS Payments of $555.95 each for June 05, 2000 through August 05, 2000: (Corporate Advancee included) Current Late Charges Deferred Late Chargee Current Return Check Fees Deferred Return Check Fees Advances by Servicer Advances by Investor LESS: Partial Payments/Forbearance Miec. Unapplied Funds TOTAL DEFAULT: $ 1,696.74 $ 57.58 $ .00 $ _ 00 $ .00 $ 60.88 $ .0 0 $ .00 $ .00 $ 1,815.20 You may be eligible for financial assistance that will prevent foreclosure on your mortgage if you comply with the provisions of the Homeowners' Emergency Mortgage Aesistance Act of 1983 (the "Act"). You may be eligible for emergency temporary assistance if your default has been caused by circumstances beyond your control, and if you meet the eligibility requirements of the Act as determined by the Pennsylvania Housing Finance Agency. Please read all of this Notice, it contains an explanation of your righte. Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for 30 days from the date of this Notice. During that time you have the right to arrange a "face-to-face" meeting with a representative of ADVANTA Mortgage Corp. USA, or with a designated consumer credit counseling agency. The purpose of that meeting is to attempt to work out a repayment plan, or to otherwise eettle your delinquency. That meeting must occur in the next 30 days. If you attend a face-to-face meeting with ADVANTA Mortgage Corp. USA, or with a consumer credit counseling agency identified in this Notice, no further proceeding in mortgage foreclosure may take place for 30 daye after the date of that meeting, You can contact a repreeentative of ADVANTA Mortgage Corp. USA by telephoning our toll free number (800) 548-7916 between the houre of 5:00 a.m. and 8:00 p.m. Monday, 6:00 a.m. and 3:00 p.m. Saturday and 6:00 a.m. and 12:00 p.m. Sunday, Pacific Standard Time. The name(s), address (es) and telephone number(s) of (a) designated consumer credit counseling agency{ies) is (are) attached. LT'LTR14A-o~ ,",,;-. jj !hI ~ ~ ADVANTAo NOTICE OF HOMEOWNERS' SAMUELLA WOODROW PAGE TWO Advanta Mortgage p.o. Box 509011 San Diego. CA 92150-9011 10790 Ranr;ho Samardo Road San Diego, CA 92127 EMERGENCY MORTGAGE ASSISTANCE ACT It is only necessary to should advise ADVANTA intentions. schedule one face-to-face meeting. You Mortgage Corp. USA immediately of your 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 Homeowners' Emergency Assistance Application with the Pennsylvania Housing Finance Agency. The consumer credit counseling agency will assist you in filling out your application. It muet be filed or postmarked within 30 days of your face-to-face meeting. You must either mail your application to the Pennsylvania Housing Finance Agency or you must file it at the office of one of the attached designated consumer credit counseling agencies listed on the attechment to this Notice. The Pennsylvania Housing Front Street, P.O. Box Telephone Number (717) number) . Finance Agency is located at: 2101 North 8029, Harrisburg, Pennsylvania 17105. 780-3800 or 1-800-342-2397 (toll free An application for assistance may be obtained from a consumer credit couneeling agency or directly from the Pennsylvania Housing Finance Agency. - It is extremely important that you file your application promptly. If you do not do so, or if you do not follow the other time periods set forth in this letter, foreclosure may proceed against your home immediately. Available funds for emergency mortgage aeeietance are very limited. They will be disbureed by the Agency under the eligibility criteria eetablished by the Act. It is extremely important that your application is accurate and complete in every ~espect. The counseling agency will help you to fill out the application. The Pennsylvania Housing Finance Agency has 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 eet forth above. You will be notified directly by that Agency of its decision on your application. La notificacion en adjunto es de suma importancia, puee affecta su derecho a continuar viviendo en su casa. 5i no comprende e1 contenido de esta notificaciion obtanga una traducion immediatamente llamando est a agencia (Pennsylvania Housing Finance Agency) sin cargos al numero mencionado arriba. Puedes ser eligible para un prestamo por el programa llamando "Homeowner's Emergency Mortgage Assistance Program II el eual puede salvar eu casa de la perdida del derecho a redimir eu hipoteca. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ALL INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE_ Collection Department #350 ADVANTA Mortgage Corp. USA Attachment: Consumer Credit Counseling Agencies WP12/ACT91CP File Copy LT-LTRI4A~)5 -. ""..,j J' -_.._------------------,..----_._-~ .l! 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US Postal Service .~ .~ j. ~ ~, .' 1", ' :,1".",',..' i: :i.,; ,:~:~;:':~ :.;;, ~:'( ,':;-- PDSTMARK DR DATE Receipt for Certified Mail ,.",;.,.t.; g ~ ~ ~~ z~ ~. .Q o~ g~ ~~. .. ~. ~Q !;~ ~" ~~ .F F' z ~ R ~ :/",'- ^i;"ci~= .~ ~~~."""" , "-,..., .' ;" . " , . McCABE r WEISBERG AND CONWAY, P.C. BY: TERRENCE J. McCABE, ESQUIRE Identification Number 16496 First Union Building 123 South Broad Street, Suite 2080 Philadelphia, Pennsylvania 19109 (215) 790-1010 Bankers Trust Company of California, N .A., As Custodian or Trustee 10790 Rancho Bernardo Road San Diegor CA 92127 v. Craig DeWitt 98 Queen Avenue Enola, PA 17025 and Kimberly M. Woodrow nka DeWitt 98 Queen Avenue Enolar PA 17025 and Samuella H. Woodrow 10 Austel Drive Marysville, PA 17053 IJ w..... "~ .~ "t;;. Attorney for Plaintiff Cumberland County Court of Common Pleas Number 00- "7"700 C(.)lT~ CIVIL ACTION/MORTGAGE FORECLOSURE NOTICE You have been sued 1n court. If you wish to defend against the claims set forth in the folloong pages, you must take action wfth1n twenty (20) days after this complaint and notice are served, by entering a wrftten appearance persorliilly or by attorney and f1l1ng in wr1ting 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 jud~ may be entered against you l}y the court without further notke far any money claimed in the compl aint or for any other claim or relief requested by the plaint1ff. You may lose money or property or other rights important to you. YOU SHOULD TAKE TIllS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, 00 TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET HELP. AVISO Le han demandado a usted en la corte. 51 usted qu1ere defenderse de estas demandas ex-puestas en las pag1nas siguientes. usted t1ene ve1nte (20) dias de .plazo al part1r de la fecha de 1a demanda y la notificacion. Hace falta asentar una conparencfa escrfta 0 en persona o con un aboQado y eJltregar a la corte en forma escr1ta sus defensas 0 susQbjec10nes a las demandasen contra desupersona. 5eaavisadoque sf usted no se defiende, la corte tomara med1das y puecle continuar la demanda en contra suya sin previo aviso 0 notificacion. Memas, la corte puede decidir a favor del demandante y requiere que uste<! clJ1lpla con toaas las provfsiones de esta aemanda. t1sted puede perder dinero o sus propfedaaes u otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENfE. SINOTIENEABOGADOO SI NO TIENE EL DINERO SUFICIENfE DE PAGAR TAL SERVICO, VAYA EN PERSONA 0 LLAME FOR TELEFONO A LA OFICINA CUY A DIRECCION SE ENCUENTRA ESCRITA ABAIO PARA AVERIGUAR DONDE SE PUEDE CONSEGUlR ASISTENCIA LEGAL. CumberlandCounty8arAssociation 2 Uberty Avenue carlisle. PA 17013 C717) 249-3166 TRUE COPY FROM REqoRD In TeslilOOny whereof, I her8 unto lIitmy hand aftd tOO_ 01 said Court at canl8le, Pa.: ,,-rn~l~~ ~~~~~ Pratt; otary ClJ1Iberland County Bar Assoc1ation 2 Liberty Avenue . Carlisle, PA 17013 (717)249-3166 ~1' - <:;.~. , ~t.l..I...o"l~" lllm; .. McCABE, WEISBERG AND CONWAY, PoCo BY: TERRENCE J. McCABE, ESQUIRE Identifioation Number 16496 First Union Building 123 South Broad Street, Suite 2080 Philadelphia, Pennsylvania 19109 (215) 790-1010 Attorney for Plaintiff Bankers Trust Company of California, N .A., As Custodian or Trustee 10790 Rancho Bernardo Road San Diego, CA 92127 Cumberland County Court of Common Pleas v. Craig DeWitt 98 Queen Avenue Enola, PA 17025 and Kimberly M. Woodrow nka DeWitt 98 Queen Avenue Enola, PA. 17025 and Samuella H. Woodrow 10 Austel Drive Marysville, PA. 17053 Number CIVIL ACTION/MOR-TGAGE FORECLOSURE 10 Plaintiff is Bankers Trust Company of California, N.A., As Custodian or Trustee, a corpor~tion duly organized and doing business at the above captioned address. 2. The Defendant is Craiq DeWitt, who is one of the mortgagors of the mortgaged proper't4y hereinafter described, and his last-known address is 98 Queen Avenue, Enola, PA 17025. 3. The Defendant is Kimberly M. Woodrow nka DeWitt, who is one of the mortgagors and real owners of the mortgaged property hereinafter described, and her last-known address is 98 Queen "'11- 1I!IIiIW7.~~ i # tJ " -"- "" ~.,,,,~ ... , Avenue, Enola, PA 17025. 4. The Defendant is Samuella H. Woodrow, who is one of the mortgagors and real owners of the mortgaged property hereinafter described, and her last-known address is 10 Austel Drive, Marysviller PA 17053. 5. On December 26, 1995, mortgagors made, executed and delivered a mortgage upon the premises hereinafter described to Colonial National Bank, USA which mortgage is recorded in the Office of the Recorder of Cumberland County in Mortgage Book 1298, Page 430. 6. The aforesaiq mortgage was thereafter assigned by I Colonial National Bank, USA to Ban~e;rs Trust Company of California, , N.A., As Custodian or Trustee, Plaintiff herein, by Assignment of Mortgage which will be duly recorded in the Office of the Recorder of Cumberland County. 7. The premises subj ect to said mortgage is described in the mortgage attached as Exhibit "A" and is known as 98 Queen Avenue, Enola, PA 17025. 8. The mortgage is in default because monthly payments of principal and interest upon said mortgage due June 2000 and each month thereafter are due and unpaid, and by the terms of said mortgage, upon default in such payments for a period of one month, the entire principal balance and all interest due thereon are collectible forthwith. ~---~.~ - 1I . " ~'l*I~. 9. The following amounts are due on the mortgage: Principal Balance Interest 5/5/00 through 10/25/00 (Plus $10.47 per diem thereafter) Attorney's Fee Late Charges Corporate Advances Escrow Advances Cost of Suit Appraisal Fee Title Search GRAND TOTAL $37r678.56 $ 1,811.31 $ 1,883.93 $ 145.22 $ 7.75 $ 426.08 $ 225.00 $ 125.00 $ 200.00 $42,502.85 10. The attorney's 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 Sheriff's Sale. If the mortgage is reinstated prior to the Sale, reasonable attorney's fees will be charged based on work actually performed. 11. Notice of Intention to Foreclose as required by Act 6 of 1974 (41 P.S. ~403) and notice required by the Emergency Mortgage Assistance Act of 1983 has been sent to Defendant by certified mail on the date set forth in the true and correct copies of such notices attached hereto as Exhibit "B." WHEREFOREr Plaintiff demands Judgment against the Defendants in the sum of $42,502.85, together with interest at the rate of $10.47 per diem and other costs and charges collectible under the mortgage and for the foreclosure and sale of the mortgage property. I ~q;-M('~ T RENCE J. M E, . ESQUIRE Attdrney for Plaintiff I ... -- dJ ,I .. 'm'~ , VERIFICATION The undersigned, April Carr, hereby certifies that she is the Foreclosure Specialist of the Plaintiff in the within action, Bankers Trust Company of California, N.A., As Custodian or Trustee , and that she is authorized to make this verification and that the foregoing facts are true and correct to the best of her knowledge, information and belief and further states that false statements herein are made subject to the penalties of 18 PA.C.S. i!l4904 relating to unsworn falsification to authorities. , If _ ~(;Vl Q~ APRIL, c(tRR II "'" I, , " .(~~V .. ~ " . . , obio I)S! .}'ft.,') ~,~ , .........:.:*:'. WHEN RECORDED, MAIL TO: ;._~~:.~.::;:.~~~ .]F ~::~jS ,~~.:;;~:;~,~:;) ~CUNTY- r.t COLONIAL NATIONAL BANK USA 16875 WEST BERNARDO DRIVE SAN DIBGO, CA 92127 AT'l'N: DOCUMENT CONTROL Parcel Number: '96 JAI~ ~ PfI 3 ,~~ (Space Abcve This Line PorRccording Dala) j{3M,iJ.. / ;)J(> , { MORTGAGE TInS MORTGAGE ("Security Instrument") is given on CRAIG DBWITT..-ancl IaMBBRLY M. WOODROW NKA DEWITT and SAMUELLA H WOODROW December 26, 1995 . The mortgagor is ("Borrower"). This Security Instrument is given to COLONIAL NATIONAL BANK USA which is organized and existing under the laws of UNITED STATES OF AMERICA ,and whose address is C/O 16875 WEST BERNARDO DRnrE, SAN DIEGO, CA 92127 ("Lender"). Borrower owes Lender the principal sum of PORTY FIVB THOUSAND & 00/100 Dollars (V,S, $ 45,000.00 ). This debt is evidenced by Borrower's note dated the same date as this Security Instrument ("Note"), which provides for monthly -payments, with the full debt. if not paid earlier, due and payable on January 5, 2011 . This Security Instrument secures to Lender: (a) me tepayment of the debt evidenced by the Note, with interest, and all, _renewals. ex.tensions and modiflcations of the Note; (b) the payment of all other sums, with interest, advanced under par84,'faph 7 to 'protect the securily of this Security InslrUment; and (c) the perfonnance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage. gran~ and convey to Lender the following described property located in Cumberland County, Pennsylvania: All that tract or parcel of land as shown on Schedule gAd attached hereto which is incorporatecl herein and made a part hereof. which has the address of 98 QUEEN AV , ENOLA Pennsylvania 17025 IZip Codej ("Property Address");, PENNSYLVANIA. SIngle Family. FNMAfFHLMC UNIFORM INSTRUMENT Form 3039 9/90 . .SR(PA)11I4101 Amend,~flf9't~7t:ro':t. m VMP MORTGAGE FORMS. (8001521.72H1 ,('ff\~.298 fMlt 43') PllIate!' Inlllal,,:_ , ISlrcet, City!. 11111111111111111111111111111I11111 DEWITT TM027B94 "..' -. ,) 1=' "il',:.' I B', 'T (- 'Qj! : ". "'~ ~e "~~'; IIII_U__..II_utl ~-~ -'1. ~L..._ I '" ~ut. :ftW j~iIlitinW1rl ,'-, .' . TOGETIIER WITH all the improvements now or hereafter erected on the property, and all easemenlS, appurtenances, and f~tures now or hereafter a part of tJJe property. All replacements and additions shall also be covered by this Security Instrument All of the foregomg is referred to in this Security Instrument as the "Property." 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 Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines unifonn covenants for national use and non-unifonn covenants with limited variations by jurisdiction to consotute a unifonn security insb'Ument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal and Interestj Prepayment and Late Charges. Borrower shall promptly pay when due the principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the Note. 2. Funds for Taxes and Insurance. Subject to applicable law or to a written waiver by Lender, Borrower shall pay to Lel1der on the day monthly payments are due under the Note, until the Note is paid in full, a sum ("Funds") for: (a) yearly taxes and assessments which may attain priority over this Security Instrument as alien on the Property~ (b) yearly leasehold payments or pound rents on the Property, if any; (c) yearly hazard or property insurance premiums; (d) yearly flood insurance premiums, if any; (e) yearly mortgage insurance premiums, if any; and (f) any sums payable by Borrower to Lender, in accordance with the provisions of paragraph 8, in lieu of the payment of mortgage insurance premiums. These items are called "Escrow Items." Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amount a tender for a federally related mortgage loan may require for Borrower's escrow account under the federal Real Estate Settlement Procedures Act of \974 as amended from time to time, 12 V,S.C. Section 2601 et seq. ("RESPA"). unless another law that applies to the Funds seLS a lesser amount If so, Lender may, at any time, collect and hold Funds in an amount not to exceed the lesser amount. Lender may estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or Q[Mrwise in accordance with applicable law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entily (including Lender, if Lender is such an institution) or in any Federal Home Loan Bank. Lender shall apply the Funds LO pay the Escrow llen1s. Lender may 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 lO make such a charge. However, Lender may require Borrower to pay a one-time charge for an independent real estate tax reporting service used by Lenaer in connection with this loan. unless applicable law provides otherwise. Unless an agreement is made or applicable law requires interest to be paid, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender may agree in writing, however, that interest shall be paid on the Funds. Lender shall give lO Borrower, without charge, an annual accounting of the Funds, showing credits and debits to the Funds and the purpose for which each debit to the FundS wa.~ made. The Funds are pledged as additional security for all sums secured by this Security Instrument. tf the Funds held by Lender exceed the lYnounts permilted to be held by applicable law, Lender shall at:count to Borrower t'or the (lXcess Funds in accordance with the requirements of applicable law. If the amount of the Funds held by Lender at any time is not sufficient to pay the Escrow [terns when due, Lender may so notify Borrower in writing, and. in such case Borrower shall pay to. "~er the amount necessary to make up the deficiency. Borrower shall make up the deficiency in no more than twelve monthly payments. at Lender's sole diScretion. _ : ... Upon payment in full of all sums secured by \his Security lnSlI'ument, Lender shall promptly refund to Borrower any funds held by Lender. If, under paragraph 21, Lender shall acquire or sell the Property, Lender, prior to the acquisition or sale of the Property, shall apply any Funds held by Lender at the time of acquisition or sale as a credit against the sums secured by this Security Inslrumen.t J. Application of Payments. Unless applicable law provides olherwise, all payments received by Lender under paragraphs I and 2 shalt be applied: fust, to any prepayment charges due under the Note: second. to amounts payable under paragraph 2: third. to interest due; fourth, to principal due; and last, to any late charges due under the Note. 4. Chargesj Liens. Borrower shall pay all taxes, assessments, charges. fines and impositions attributable to the ProperlY whioh may attain priority over this Security InstrUment, and leasehold payments or ground rents, if any. Borrower shall pay these obligations ih the manner provided in paragraph 2, or if not paid in that manner, Borrower shall pay them on time directly to the person owed payment Borrower shall promptly furnish to Lender an notices of amounts to be paid under this paragraph. If Borrower makes these payments directly, Borrower shall promptly furnish to Lender receipts evidencing the payments. Borrower shall promptly discharge any lien which has priority over this Security Inslrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender; (b) contests in good failh the lien by, or defends against enforcement of the lien in, legal prOCeedings which in the Lender's opinion operate to prevenL the enforcement of the lien; or (c) secures from the holder of the lien 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 lien which may attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving of notice. DEW1T'il00l( 1:~1l8 P~Gf :4 31 TM027894 Form3~ lnillal~ Cp G: .SR(PA)(9410J . Pallo2018 .~- .._111__..... I- -I ,-,. &i: . ..:';>. -, .~.' . 5. Hazard or Property Insdrance. Borrower shall keep the improvemem.s now existing or hereafter erected on the Properly itlsured against loss by fire, hazards included within the term "extended coverage" and any other hazards, including floods or noeding, for which Lender requires insurance. This insurance shall be maintained in: the amounts and for the periods mat Lender requires. The insurance carrier providing lhe insurance shall be chosen by Borrower,subject to Lender's approval which shall not be unreasonably withheld. If Borrower fails to maintain coverage described above, Lender may, at Lender's option, obcain coverage to protect Lender's rights in lhe Property in accordance with paragraph 7. AU insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause. Lender shall have lhe right 00 hold the policies and renewals. If Lender requires, Borrower shall promptly give to Lender aJl receipts of paid premiums and renewal notices. In the event of loss, Borrower shall 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 othelWise agree in writing, insurance proceeds shall be applied to restoration or repair of the Property damaged, if the restoration or repair is economically feasible and Lender's security is not lessened. If the restordtion or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds sball be applied lO the sums seCured by this Security Instrument, wbether or not then due, with any excess paid to Borrower. If Borrower abandons lhe Property, or does not answer within 30 days a notice from Lender that the insuranCe. carrier has offered to settle a claim. then Lender may collect the insurance proceeds. Lender may use the proceeds to repair or restore the Propeny or to pay sums secured by this Security Instrument, whether or not then due. The 30-day period will begin wh~ the notice is given. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone lhe: due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount of the payments. If under paraj,'Taph 21 the Property is acquired by Lender, lJorrowec's right to any insurance policies and proceeds resulting from damage lO me Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security rnSlI'Ument immediately prior to the acquisition. 6. Occupancy, Preservation, Maintenance and Protection of the PropertYi Borrower's Loan Application; Leaseholds. Borrower shall occupy, establish, and use the Property as 'Borrower's principal residence within sixty days after the execution of thi9 Security InslI'Ument and sball continue to occupy the Propeny as Borrower's principal residence for at least one year after !.he . date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. Borrower shall not destroy. damage or impair the Property, allow the Property to deteriorate, or commit waste on the Property. Borrower shall be in default if any forfeiture action or proceeding, whether civil or criminal, is begun that in Lender's good faith judgment could result in forfeiture of the Property or otherwise materially impair the lien created by this Security Instrument or Lender's security intereSt. Borrower may cure such a deflUlt and reinstate, as provided in paragraph 18, by causing the action or proceeding to be dismissed with a ruling that. in Lender's good faith determination, precludes forfeiture of the Borrower's interest in thb Property or other material impairment of the lien created by this Security rnstrument or Lender's security interest. Borrower 'shall also be in default if Borrower, during !.he IOarl application process. gave materially false or inaccurate information or statemenlS to Lender (or failed to provide Lender with any malerial information) in connection with the loan evidenced by the Note, incllilding, but not limited to, representations concerning Borrowet"s accuplU\cy of the Property as eo principal residence. If \his Security Instrument is on a leasehold, Borrower shaJl.c,omply wilh all the provisions of the lease. If Borrower acquires fee title to the ?dopeny, the leasehold and the fee title shall not merge unless Lender a~.to the merger in writing. ... 7. Protection of Lender's Rights in the Property. If Borrower fails to perform the covenants and agreemenlS contained in this Security InslrUment, or there is a legal proceeding that may significantly affect Lender's rights in the Property (such as a proCeeding in bankruptcy, probate, for condemnation or forfeiture or to enforce laws 01'1 regulations), then Lender may do and pay for whatever is necessary to protect the value of the Propeny and Lender's rights in the Property. Lender's actions may include paying any sums secured by a lien which has priority over this Security InSlI'Ument, appearing in court, paying reasonable attorneys' fees and entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do so. i Any amounlS disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other tenos of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. 8. Mortgage Insurance. If Lender required mortgage insurance as a condition of making the loan secured by this Security InslfUment, Borrower shall pay the premiums required to maintain the mortgage in~urance in effect If, for any reason, the mortgage insurance coverage required by Lender lapses or ceases to be in effect, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the mortgage insurance previously in effet;t, at a cost substantially equivalent to the cost to Borrower of the mortgage insurance previously in effect, from an alternate mortgage insurer approved by Lender. If subl.dantiaUy equivalent mortgage insurance coverage is not available, Borrower shall pay to Lender each month a sum equalLO one~lwelfth of the yearly mortgage insurance premium being paid by Borrower when the insurance coverage lapsed or ceased to be in effect Lender will accept, use and retain these payments as a loss reserve in 'lieu of mortgage insurance. Loss reserve nBNITT ~ 1238 ~Att 432 TM027894 Form 31:9_~ I"ltla~~ CP ~.6R(PA)(94'1l1 Piglt30rS ~.~._. ,....-.../,;J.....o.I....... "" ~ ~....... 'ilit0,' . . ...~... , <,' payments'may no longer be required, at the option of Lender, if mortgage insurance coverage (in the amount and for lhe period that Lender requires) provided by an insurer approved by Lender again becomes available and is obtained. Borrower shall pay the premiums required to maintain mortgage insurance in effect, or to provide a loss reserve, until the requirement for mortgage insurance ends in accordance with any written agreement between Borrower and Lender or applicable law. 9. Inspection. Lender or its agent may make reasonable entries upon and inspeCtions of the Property. Lender shall give Borrower notice at the lime of or prior to an inspection specifying reasonable cause for th~ inspection. 10. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other laking of any part of lhe Property, or for conveyance in lieu of condemnation, are bereby assigned and shall be paid to Lender, In the event of a total !aking of the Property, the proceeds shall be applied to the sums secured by this Security Instrument. whether or not then due, with any excess paid to Borrower. In the event of a partial taking of the Property in which the (air market value of the Property immediately before the taking is equal to or greater than the amount of the sums secured by this Security Insttument immediately before the taking, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security lnstrument shall be reduced by the amount of the proceeds multiplied by the following fraction: (a) the tolal amount of the sums secured immediately before the E8lcing, divided by (b) the fair market value ,of the Property immediately before the laking. Any balance shall be paid to Borrower. In the event of a partial taking. of the Property in which the fair market value of the Propeny immediately before the taking is less !.ban the amount of the sums secured immediately .before the raking, unless Borrower and Lender otherwise agree in writing or unless applicable law o!.berwise provides, the proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the condemnor offers to make an award or 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 coUect and apply the proceeds, at its option, either to restoration or repair of the Property or to t.he sums secured by this Security Instrument, whether or not then due. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount of such payments. 11. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's successors in interest Lender shall not be required to commence proceedings against any successor in interest or 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 Borrower's successors in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. . 12. Successors and Assigns Bound, Joint and Several Liability; Co-signers. The covenants and agreements of lhis Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the provisions of paragraph 17. Borrower's covenants and agreements shall be joint and several. Any Borrower who co-signs this Security Instrument but does not execute the Note: (a) is co~signing this Security Instrument only to mortgage, grant and convey that Borrower's interest in the Propeny under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; at'ld (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or . make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrower's consent. 13. Loan Charges. If the (oan secured by this Security Instrument is subject to a law which sets maximum loan charges, and that law is fmally interpreted so that the interest or other loan charges collected or to be collected in connection with the loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge LO the permitted limit; arid (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment 10 Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge under the Note. 14. Notices. Any notice to Borrower provided for in this Secwity Instrument shall be given by delivering it or by mailing it by nrst class mail unless applicable law requires use of another method. The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender sball be given by nrst class mail to Lender's address Slated herein or any other address Lender designates by notice to Borrower. Any notice provided far in this Security Instrument shall be deemed to have been given to Borrower or Lender when given as provided in this paragraph. 15. Governing Law; Severability. This Security -Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. [n the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect ather provl.:.ions of this Security Instrument or the Note which can be given effect without the conflicting provision. To !his end the provisions of this Security Instrument and the Note are declared to be severable. ~ ~6R(PA)194101 Pagl40tl Form 3'31~ Inl1lals:~ of) DEWITT _1298 PAGi 433 TM027B94 .~ ..k~,_~ . " ~ .. ~'mw~ ...,.......",. ~". " ..". 16. Borrower's Copy. Borrower shall be given one conformed copy of Ihe NOle and of this Security InstrumenL , 17. Transrer or the Property Dr a Beneficial Interest in Borrower. If all or any part of the Property or any inlere.'lt in it is sold or transferred (or if &. beneficial interest in Borrower is sold or transferred and Bor:rower is not a natural person) without Lender's prior written consent, Lender may, at its option, require ,immediate payment in full of all sums secured by lhis Securitv InstrUment However. this option shall not be exercISed by Lender jf exercise is prohibited by federal law as of the date of thIS Security Instrument If Lender exercises this option, Lender shaH give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed 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 Insb'Ument without further notice or demand on Borrower. 18. Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to havc enforcement of this Security Insb'Ument discnntinL'ed at any time prior to the carlirr of: (a) 5 days (or such other period liS applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instrument; or (b) enlIy of a judgment enforcing this Security Instrument 'Jliose conditions, are that Borrower: (a) pays Lender all sums which. then would be due under this Security Insb'ument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred ia enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees; and (d) fakes such action as Lender may reasonably require to assure that the lien of thi~ Security Instrument, Lender's rights in the Property and Borrower's obligation to pay the sums secuted by this Security Insb'ument shall continue unchanged. Upon reinstatement by Borrower. this Securi.ty Instrument and the obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in lhe case of acceleration under paragraph 17. 19. Sale of Notej Change of Loan Servicer. The Note or a partial interest in the Note (together with this Securily Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entily (known as the nLoan Servicer") that collects monthly payments due under the Note and this Secwity Instrument There also may 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 in accordance with paragraph 14 above and applicable law. The notice wiu state the name and address of Ihe new Loan Servicer and the address to which payments should be made. The notice will also contain any other information required by applicable law. 20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, stomge, or release of any Hazardous Substances on or in the Property. Borrower shall not do. nor allow anyone else.to do, anything affecting the Peopeny that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Subsrances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shan promptly give Lender written notice of any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving Ihe Property -and any Hazardous Subslallce or Environmenlal Law of which. Borrower has actual knowledge. If Borrower learns, or is notified by any governmental or regulatory authority. that any removal or other remediation of any Hazardous Subsumce affecting the Property is necessary, Borrower shalt promptly take all necessary remedial actions in accordance with Environmental Law. As used in this paragraph 20, "Hazardous Substances" are those substances defined as loxic or hazardous subsWllces by Environmental Law and the following substances: ga'\oline. kerosene, other flammable or toxic petroleum producL.'l. toxic pesticides and herbicides, volatile solvenlS. materials containing asbestos or formaldehyde, and radioactive malerials. As used in this paragraph 20, "Environmental Law" means federal laws and laws of the jurisdiction where the Property is 10caLed that relate to health, safety or environmental protection. -""".1 NON.UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: ... 21. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach tlf any.covenant or agreement in this Security Instrument (but not prior to acceleration under paragraph 17 unless applicable law provides otherwise). Lender shall notify Borrower of, among other things: (a) the default; (b) the action required to cure 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 of a default or any other defense of Borrower to acceleration and roreclosure. If the default is not cured as specified, Lender, at its option, may require Imm.ediate payment in full of all sums secured by this Security Instrument without further demand and may foreclose this Security Instrument by judicial proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this paragraph 21, including, but not limited to, attorneys' fees and costs of title evidenct to the extent permitted by applicable law, 22. Release. Upon payment of all sums secured by this Security Instrument. this Security Instrument and the estate conveyed shall terminate and become void. Afler such occurrence, Lender shall discharge and satisfy this Security InSb'UmCnl without charge to Borrower. Borrower shall pay any recordation costs. 23. Waivers. Borrower, to the extent permitted by applicable law, waives and releases any error or defects in proceedings to enforce this Security Instrument, and hereby waives the benefit of any present or future laws providing for stay of execution. extension of time, exemption from aUachme~t, levy and sale, and homesLead exemption. &-6R(PA)(9410I . PaglSgl8 Form 3039...~/ Inlll~ DEWITT ibiilP.1J8 tAGi 434 TM027894 C'I? ,.,..-.....,,'-~._,.. ,. . 24. Reinstatement Period. Borrow'~.s time to reinstate provided in paragraph 18 shall extend lo one hour prior [0 lhe commencement of bidding at a sheriffs sale or other sale pursuant 10 this Security InslrUment 25. 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 InslrUmentshall be a purchase money mortgage. 26. Interest Rate After Judgment. Borrower agrees that the interest rate payable after a judgment is entered on the Note or in an action of mortgage foreclosure shall be the rate payable from time to lime under the Note. 21. Riders to tbis Security Instrument. If one or more riders are executed by Borrower and recorded together with this Security Ins!l'Ument, the covenants and agreements of each such rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as jf the rider(s) were a part of this Security Instrument [Check applicable box(es)] D Adjustable Rate Rider o Graduated Payment Rider o Balloon Rider o VA Rider D Condominium Rider D Planned Unit Development Rider o Rate Improvement Rider o Other(s) [specify] o 1-4 Family Rider o Biweekly Payment Rider D Second Home Rider BY SIGNING BELOW. Borrower accepts and agrees to the tenns and covenants contained in this Security Instrument and in anr rider(s) executed by Borrower and recorded with h. ~p WitnesSes: (Seal) CUI DEWITT -Borrower ~~'d,~ KIMB . 'WOODROW ITT (Seal) -Borrower (Seal) -Borrower -petrr/"t- ~J)'!Yrr/;W AMUELLA H WOOCROW (Seal) -Borrower Certificate of Residence 1, :l'a./l',"~\~...... the within.named Mortgagee is ... Witness my hand this 11::.~l)'f W.st r3_<lr~ <I'h Or. ~ ~ day of 00".-_4." , do hereby certify that [he correct address of s.. C>;.~, C4 'fa-I__'l COMMONWEALTH OF PENNSYLVANIA, L""" ,P-r'- Counly 55: On this, the J6 day of I::lll<:.-....\,'" "qq" ,before me,theundersi.'TIed officer, personally appeared C/'~;~ /.)""n+ ......i k;,,~""\ 1>). Uottlr01>l ~kA a'vli+!- "".I .("'''''''011.. H. ~ood(l).J known to me (or sadslaclority proven)!I1!~ person J whose name { subscribed to the within instrument and acknowledged that .........\~~.j;.~)~:1"...i:o ,./'~, t.... ..... ... ~'" ." executed the same for the purposes herein contained. f"'''' -.,.. ..... ;. l-' \.> "" .- IN WITNESS WHEREOF, I hereunto set my hand and official seal. ' .".,:-. t.'I ,",. ..: :.f 0 ..."';J;f~4Ht My Commission Expires: / ~~: .:'::~~~ ?:~:;. <. .;;..~~, JeIfTeY l, .~~;.!f~\i;p~~" East.Hem Bid . Lancaster County yommon s.,9S MenW.Pennsvtuaris~dNotarles AgentofMo Il"lle~ Title or Officer G.SR{PA)l94101 . Page6Gt6 Form 3039 9/90 DEWITT 800ii 1298 PAGE 4J5tl27894 ( I..?o ) ~- "' ,-- , ~ , ~.. . rr,u.,:,c,l1r,l,.n /'" : - ,/' -./ /' ' J rd.....J.(..o.LI.&;..;.,jI,,!.).:l..;. ...,ee _I:> ~I:;" .... '_v .-....'.. PSIl-7992 ALL '!:lIAT CEtm\IN piece 00 patCe1, 'of land situate iIi the T<iWilsh!p of East PennsboIiO,..Count:y of Cunbe.rland,. and CQnnonwelilth. of Pennsylvariia, tI'Ore particularly bounled am descrlbed, as f.oll.oWei 'to wi.~, ' BJ:mIINIm at a point on the S9<Jtberri side of, QJOO~:A~ue (59"feet wide) at the northem Comer of Lot No. ,1 on', the hereinafteJ:. mentioned Plan of IDtsl t:hence by - ,()Jeen itVlillue,' North 68, degrees 39 mmutes East, a dis~ance of twen\;y (29.911) feet to a p<iJ.nt, at tot 119. ' 3 ,on 'said PaIn; thence by ~t No.3, South 21 degraes'3li inmutes East, a, distan"" of Ole hunlred fif\;Y (159.99) feet to a point' on a fifteen US) feet wide alley; thence by said fifteen (15) foot alley; South ~8 degrees 39,minutes tleSt, a distonce ,of twenty '(29.91) .feet to 'a distanee of One, hunired fi~y (159.99) feet to ,a point, the PLIICE a BmIIlNIIIG. , BEOO IDk No. 2 on a Final SUbdiviSion Plan for iid,ert D. ,. and lloruia R teirenrirrii"made by . D_P.' ~fensperge.r: :. Assoc.ia.tes, Canp Hill, Permsylvania, and recotded,J.n Clmbedarid COun\;y Plan'llook, 34; Page 77. IIAVIN: nJEiuoI !:llBCrED a townhOOsearid nUI1bered 98 ()1een' Avenue. ' BEn<<> ~ Sl\ME PREHISES which Willatd L. Bam,1i and Carole A. IlarJ1'On, 'o/k/.. Carole A. ~p, by. Deed dated JUne 22, '1989 and' recorded JUne 23, 1989 in amberlam CoIin\;y need Book 1\34, ,Page 211, srlll1ted am conveyed WltO David S. lilodrow, ilaIlIle11a H. lilodrow 'and ltlnt>erly M. lilodrow. Whereas the said David S. lilodrow departed this life on whereby title to the ,*,ve pr...ises became veSted, in his aUIViviri!1 heirs. , . ' libereas the ,said KinberlY M. N:>odrow has since 1nternarried am is also '.'k.i'Olin as lIin/:lerly M. W:>odrw Craig. a/i</a'Kini:>Brly M. Woodrow-<:rais. '" ~,', of Pennsylvania } "',nty of Cumberland 55 _,dod in the office for the recording of De" ~d for }1wberl.llnd County, . Book~ Vol. _ Page- ,', my hand and )leal of office 0 f-.6 :li"'.. PA this , 1 day 19 .....,ji";jl .j,,".A~~,' -:~l-P:ll. ;'2:..~ '.N~ . .L4f.r~~ ........~...... .'j" ..~-~~~~. :ot.....,... ~.il1\~,.t. .,.,_''Ii 4'e . ~ ,'\,~ < .,;",a;,l . _ '_~lf.~' t,. .":,"'/ ":" "'1'''~1V''4[O'f~.p:,,'-' ~J.i,.":I-"'("l.' ~,_jo.:;;V~",' .. ;,',,~'. ~.;.. :lT~,I" . '~f~''r;'''<'' ~:l..''-: ....;i~I'\ .~r.6....iI , '~'~o/1' .r: 'r;:..~:~iJb.:..~:..:;';"'. 1 .~\......~ .:'~}.ll~' .~ . ~"~,r.<.'. ~: '~.~'i.~:.)'.~ ~.' ,\.~\y~' ,r..j;,;;"'. ~;.~.,~ '_'" . : ~.~,.. -r.~.lf,., .t-t.~: ~.".t\..~~~.,i-:";"'I_:i! ..1: (,.-. It'.... ":t-rl . .;.t;>lM ._10., -.r "-."":i1f.? , '~~I':~~~;:;~~:f~~:f~~j'4" ' '- '~.... ....~- BOOK 1:~98 PAGE 4-3f; ~=~~ ~I - ' , ~ ". ~ ADVANTA' Advanta Mortgage p.o. Box 509011 San Diego. CA 9215f).9011 10790 Rancho 8ernardo Road San Diego. CA 92127 CRAIG DEWITT 98 QUEEN AV ENOLA PA 17025 DATE: August 7, 2000 RE: Loan number 1836592 NOTICE OF INTENT TO FORECLOSE ON MORTGAGE YOU ARE IN DEFAULT OF YOUR OBLIGATION TO YOUR LENDER, the present holder of the Note and Mortgage referenced by the above identified loan number. ADVANTA Mortgage Corp. USA is the servicing agent for the holder authorized to act on its behalf. YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO PAY installments of $555.95 each, commencing June 05, 2000 and subsequent installments thereafter. Late charges have also accrued to this date. Late charges are aseeeeed if the monthly payment is not received within the grace period set forth in your Note. Your monthly late charge is $28.79. Other charges may have also accrued which are due in your loan. AS OF THE DATE OF THIS LETTER, THE NECESSARY TO CURE THE DEFAULT IS AS FOLLOWS: order to cure TOTAL AMOUNT paymente of $555.95 each commencing June 05, 2000 through August 05, 2000: (Corporate Advances included) $ Current Late Charges $ Deferred Late Charges $ CUrrent Return Check Fees $ Deferred Return Check Fees $ Advances by Servicer $ Advances by Investor $ LESS: Partial paymente/Forbearance $ Misc. Unapplied Funde $ TOTAL AMOUNT TO CURE DEFAULT: $ 1,696.74 57.58 .00 .00 .00 60.88 .0 0 .00 .00 1,815.20 YOU MAY CURE THIS DEFAULT within 30 days of the date of this letter by paying to ue the amount of $1,815.20 plus additional installment payments that come due and any late charges and other charges or fees which have accrued or have been paid on your behalf during that time. Such payment must be made in the the form of cash, certified or bank check, or money order, payable to ADVANTA Mortgage Corp. USA and delivered to the following addrees: ADVANTA Mortgage Corp. USA Collection Dept. #350 10790 Rancho Bernardo Rd. ~ San Diego CA 92127 A$-,,- If you do not cure the default within 30 days, we intend to ~~ ' exercise our r~ght to accelerate the mortgage. This means th~t , whatever is oW1ng on the original amount borrowed will considered due immediately and you will lose the chance to pay ~i ' the original mortgage in monthly installments. If you do n~. ~ the default within 30 days, we intend to instruct our atto s,to' start a lawsuit to foreclose on the mortgaged premises. ihe mortgage ie foreclosed upon, your mortgaged property will be sold by the County Sheriff to payoff the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney'e fees, actually incurred, up LT-LTRt'IA.OS ='"III!!iJ'" .: "~~- '" ''I'' - ~"" _,~ _0 "~_I <- - ~ --", , , '- ~ ADVANTA' NOTICE OF HOMEOWNERS' CRAIG DEWITT PAGE TWO Advanta Mortgage P.O. Box 509011 San Diego. CA 92150.9017 10790 Rancho Bernardo Road 8M Diego, CA 9212; EMERGENCY MORTGAGE ASSISTANCE ACT It is only necessary to should advise ADVANTA intentions. schedule one face-to-face meeting. You Mortgage Corp. USA immediately of your 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 Homeowners' Bmergency Assistance Application with 'the Pennsylvania Housing Finance Agency. The consumer credit counseling agency will assist you in filling out your application. It must be filed or postmarked within 30 days of your face-to-face meeting. You must ei~her mail your application to the Pennsylvania Housing Finance Agency, or you must file it at the office of one of the attached deeignated consumer credit counseling agencies listed on the attachment to this Notice. The Pennsylvania Housing Front Street, P.O. Box Telephone Number (717) number) . Finance Agency is located at: 2101 North 8029, Harrisburg, Pennsylvania 17105. 780-3800 or 1-800-342-2397 (toll free An application for assistance may be obtained from a consumer credit counseling agency or directly from the Pennsylvania Housing Finance Agency. It is extremely important that you file your application promptly. If you do not do so, or if you do not follow the other time periods set forth in this letter, foreclosure may proceed against your home immediately. Available funds for emergency mortgage assistance are very limited. ,They will be disbursed by the Agency under the eligibility criteria established by the Act. It is extremely important that your application is accurate and complete in every respect. The counseling agency will help you to fill out the application. The Pennsylvania'Housing Finance Agency has 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. La notificacion en adjunto es de surna irnportancia, pues affecta eu derecho a continuar viviendo en au casa. 8i no comprende ~l contenido de esta notificacion obtanga una traducion immediatamente llamando esta agencia (Pennsylvania Housing Finance Agency) sin cargos al numero mencionado arrib~. Puedes eer eligible para un prestamo per e1 pregrama llamando "Homeownerts Emergency M9rtgage Assistance Program" e1 cual puede salvar au cas a de la perdida del derecho a redimir su hipoteca. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ALL INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Collection Department #350 ADVANTA Mortgage Corp. USA Attachment: Consumer Credit Counseling Agencies WP12/ACT91BP File Copy LT-l.TRO,4A.OS } -- .., ~ ADVANTAo ~T.~TA1-!A-05 - .~ ;J - " ~ h ^ ~7jJ Advanta Mortgage p.o. Box 509011 San Diego, CA 92150.9011 10790 Rancho Bernardo Road San Diego, CA 92127 Cumberland County CONSUMER CREDIT COUNSELING AGENCIES ConSUmer Credit Counseling Service of Western Pennsylvania, Inc. 2000 Linglestown Road Harrisburg, PA 17102 (717) 541-1757 FinaQcial Services Unlimited 117 West 3rd Street Waynesboro, PA 17268 (717) 762-3285 Urban League of Metropolitan Harrisburg 25 N. Front Street HarriSburg, PA 17101 (717) 234-5925 FAX # (717) 232-4985 YMCA of Carlisle 301 G Street Carlisle, PA 17013 (717) 243-3818 FAX # (717) 243-3948 nJ or nJ '" '" .. o I~ .. RE11JRN RECE1PT SERVICE POSTAGE RESlRIGTEllDelJllEilV CEmlFIEllFEE+FlEi\JFlI<lRECEIPT TOTAl. POSTN3EANDFEES -. :i-,,\,- ---------- '-", "."; ,." SENT TO: NOT FilA INTER II IU. :,~ ,', '" '. ,_, ..: :11 { 'f;.; .,)';', I'. i". 'J , ;,.,'c", 1- ,; .~,'. j <>. PS PORM 3800 US postal Service . , ;'. " 1. :, ~ ( Receipt for Certified Mail - - _.__."-"---'~ --"--~- -- g ~ Q ~" Iffi w~ ~~ i\~ :~ w. "Q u;- ~. ~~ SW .F ~ ~ o . ~ ,~~- , " ~ ADVANTAo .~~-" ,~ ~--" " lJ{1'~1 Advanta Mortgage p.o. Box 509017 San Diego, CA 9215o.t1011 10790 Rancho Bernardo Road San Diego, CA 92127 DATE: August 7, 2000 CRAIG DEWITT 98 QUEEN AV ENOLA PA 17025 RE: Loan number 1836592 IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS. Your mortgage is in default because you have failed to pay promptly installments due for a period of at least 60 days. YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO PAY $555.95 each due 6/05/00 and monthly thereafter charges. AS OF THE DATE OF THIS LETTER YOU ARE FOLLOWS: Payments of $555.95 each for June 05, 2000 through August 05, 2000: (Corporate Advances included) CUrrent Late Charges Deferred Late Charges CUrrent Return Check Fees Deferred Return Check Fees Advances by Servicer Advancee by Investor LESS. Partial Payments/Forbearance Misc. Unapplied Funds TOTAL DEFAULT: installments of as well as other IN DEFAULT AS $ 1,696.74 $ 57.58 $ .00 $ .00 $ .00 $ 60.88 $ .0 0 $ .00 $ .00 $ 1,815.20 You may be eligible for financial assistance that will prevent foreclosure on your mortgage if you comply with the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the \fActl!). You may be eligible for emergency temporary assistance if your default has been caused by circumstances beyond your controlt and if you meet the eligibility requirements of the Act as determined by the Pennsylvania Housing Finance Agency. pleaee read all of this Notice, it contains an explanation of your righte. Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for 30 days from the date of this Notice. During that time you have the right to arrange a "face-to-face" meeting with a representative of ADV1\NTA Mortgage Corp. USA, or with a designated consumer credit counseling agency. The purpose of that meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency. That meeting must occur in the next 30 days. If you attend a face-to-face meeting with ADVANTA Mortgage Corp. USA, or with a consumer credit counseling agency identified in this Notice, no further proceeding' in mortgage foreclosure may take place for 30 days after the date of that meeting. You can contact a representative of ADVANTA Mortgage Corp. USA by telephoning our toll free number (800) 548-7916 between the hours of 5:00 a.m. and 8:00 p.m. Monday, 6.00 ,a.m. and 3.00 p.m. Saturday and 6.00 a.m. and 12:00 p.m. Sunday, Pacific Standard Time. The name(s), addrese(es) and telephone number(el of (al designated consumer credit counseling agency(ies) is (are) attached. I.T.I.TR1JA-DS = ~- .......'~- " .~"" ~'~c; , ~" ~ ADVANTA' NOTICE OF INTENT TO FORECLOSE ON MORTGAGE CRAIG DEWITT Page Two Advanta Morlgege p.o. Box 509011 San Diego, CA 92150-9011 10790 Rancho Bemardo Road San D/ego. CA 92127 to $50. However, if legal proceedings are started against you, you will have to pay the actual incurred reasonable attorney'e fees, even if the fees are more than $50. All attorney's fees will be added to whatever amount you owe us, which may also include our reasonable costs. IF YOU CURE THE DEFAULT WITHIN THE THIRTY-DAY PERIOD YOU WILL NOT BE REQUIRED TO PAY ATTORNEY'S FEES. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. However, if you have filed a bankruptcy and this mortgage debt was discharged, we cannot sue you personally. If you have not cured the default within the 30 day period and foreclosure proceedings have begun, you will have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's foreclosure sale. You may do so by paying the total amount of the unpaid amount due plus any interest and late or other charges then due, as well as the reasonable attorney's fees and coete connected with the foreclosure sale (and perform any other requirements under the mortgage) . It is estimated that the earliest date that such a Sheriff'e Sale of your Premises could be held would be approximately 90 days from the date foreclosure preceedings begin. This is just an estimated date. 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 will be by calling us at (800) 548-7916, between the hours of 5:00 a.m. and 8:00 p.m. Monday through Friday, 6:00 a.m. and 3:00 p.m. Saturday and 6:00 a.m. and 12:00 p.m. Sunday, Pacific Standard Time. You should realize that a Sheriff'e Sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff's Sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THIS DEBT. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. YOU HAVE THE RIGHT TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PREMISES SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE ,WHO WOULD CURE THE DEFAULT AND ASSUME THE MORTGAGE DEBT PROVIDED THAT ALL OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE TIME OF SALE. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. If you cure the default, the mortgage will be restored to position as if no default had occurred. However, you entitled to cure a default more than three times in any year. Collection Department #350 ADVANTA Mortgage Corp. USA the same are not calendar WPl2/ACT6BPF File Copy LT-I.TRHA-OS -= L t . ~ ADVANTA' ... ll"rY Advente Mortgage po. BOl( 509011 San Di~go, CA 92150.9011 10790 Ranc/lo Bemardo Road San Diego, CA 92127 DATE: August 7, 2000 CRAIG DEWITT 10 AUSTEL DR MARYSVILLE PA 170539798 RE: Loan number 1836592 IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS. Your mortgage is in default because you have failed to pay promptly installments due for a period of at least 60 days. YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO PAY $555.95 each due 6/05/00 and monthly thereafter charges. AS OF THE DATE OF THIS LETTER YOU ARE FOLLOWS: Payments of $555.95 each for June 05, 2000 through August 05, 2000: (Corporate Advances included) Current Late Charges Deferred Late Chargee CUrrent Return Check Fees Deferred Return Check Feee Advances by servicer Advances by Inveetor LESS: Partial paymentelForbearance Misc. Unapplied Funds TOTAL DEFAULT: installments of as well as other IN DEFAULT AS $ 1,696.74 $ 57.58 $ .00 $ .00 $ .00 $ 60.88 $ .0 0 $ .00 $ .00 $ 1,815.2,0 You may be eligible for financial assistance that will prevent forecloeure on your mortgage if you comply with 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, and if you meet the eligibility requirements of the Act ae determined by the Pennsylvania Housing Finance Agency. Pleaee read all of this Notice, it contains an explanation of your rights. Under the Act, you are entitled to a temporary etay of foreclosure on your mortgage for 30 days from the date of thie Notice. During that time you have the right to arrange a "face-to-face'l meeting with a representative of ADVANTA Mortgage Corp. USA, or with a designated consumer credit counseling agency. The purpose of that meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency. That meeting must occur in the next 30 days. If you attend a face-to-face meeting with ADVANTA Mortgage Corp. USA, or with a consumer credit counseling agency identified in this Notice, no further proceeding in mortgage foreclosure may take place for 30 daye after the date of that meeting. You can contact a representative of ADVl\NTA Mortgage Corp. USA by' telephoning our toll free number (800) 548-7916 between the houre of 5:00 a.m. and 8:00 p.m. Monday, 6:00 a.m. and 3:00 p.m. saturday and 6:00 a.m. and 12:00 p.m. Sunday, Pacific Standard Time. The name(s), address (es) and telephone number(s) of (a) designated consumer credit counseling agency(ies) is (arel attached. LhTRI4,l..:)5 ~.~ .- ~ ~, ti. r ~ ;;' " ~ ADVANTA. NOTICE OF HOMEOWNERS' CRAIG DEWITT PAGE TWO Advanta Mortgage AO. 80:( 509011 San Diego, CA 92150.90t1 10790 Atmcho Bamardo Road San Diego, CA 92127 EMERGENCY MORTGAGE ASSISTlINCE ACT It ie only neqessary to schedule one face-to-face meeting. You should advise ADVANTA Mortgage Corp. USA immediately of your intentions. 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 Homeowners' Emergency Assistance Application with the Pennsylvania Housing Finance Agency. The consumer credit counseling agency will assist you. in filling out your application. It must be filed or postmarked within 30 days of your face-to-face meeting. You must either mail your application to the Pennsylvania Housing Finance Agency or you must file it at the office of one of the attached designated consumer credit counseling agencies listed on the attachment to this Notice. The Pennsylvania Housing Front :Street, P.O. Box Telephone Number (717) number) . Finance Agency is located at: 2101 North 8029, Harrisburg, Pennsylvania 17105. 780-3800 or 1-800-342-2397 (toll free An application for assistance may be obtained from a consumer credit counseling agency or directly from the Pennsylvania Housing Finance Agency. It is extremely important that you file your application promptly. If you do not do so, or if you do not follow the other time periods set forth in this letter, foreclosure may proceed against your home immediately. Available funds for emergency mortgage assistance are very limited. They will, be disbursed by 'the Agency under the eligibility criteria established by the Act. It is extremely important that your application is accurate and complete in every respect. The counseling agency will help you to fill out the application. The Pennsylvania Houeing Finance Agency has 60 days to make a decision after it receivee your application. During that additional time, no foreclosure proceedi~gs will be pursued against you if you have met the time requiremente set forth above. You will be notified directly by that Agency of its decision on your application. La notificacion en adjunto es de suma importancia~_ pues affecta au derecho a continuar viviendo en su .casa. 8i no comprende el contenido de esta notificacion obtanga una traducion immediatamente llamando esta agencia (Pennsylvania Houeing Finance Agency) sin cargos al numero mencionado arriba. Puedes ser eligible para un prestamo por el programa llamando "Homeowner'e Emergency Mortgage Assistance Program" el cual puede salvar su casa de la perdida del derecho a redimir su hipoteca. THIS IS AN ATTEMPT TO COLLECT A DEBT AND,ALL INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Collection Department #350 ADVANTA Mortgage Corp. USA Attachment: Consumer Credit Counseling Agencies WP12/ACT91BM File Copy LT-IJ'RI~A-05- ~ ADVANTA' LT'Lrr-.:~MI5 " .'4;- ~' " ~1J11'{~l1lli Advanta Mortgage p.o. Box 509011 San Diego, CA 92150-9011 10/SO Rancho Samaroo Road San Diego. CA 92127 CUmberland County CONSUMER CREDIT COUNSELING AGENCIES Consumer Credit Counseling Service of Western Pennsylvania, Inc. 2000 Lingleetown Road Harrisburg, PA 17102 (717) 541-1757 Financial Services Unlimited 117 West 3rd Street Waynesboro, PA 17268 (717) 762-3285 Urban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, PA 17101 (71 7) 234-5925 FAX # (717) 232-4985 YMCA of Carlisle 301 G Street Carlisle, PA 17013 (71 7) 243-3818 FAX # (717) 243-3948 ~,._-._-------------- , :r "- ... '" '" a- RETURN RECEIPT SERVICE .' ,''":~ ~~ POS7ME "'.'.,.. IlE&1RlCtEOIlELlI'EIl'f CERTlFlEDF!!'E+RETURNAECElPT T01l\I,POSMEAMlFEE5 NOTFORlNTERN....no LMAIL ."1"'''.' SENT 10: t, ,,' "', .~ ..~ ,; ,',; r; ; if l:l "- IT' 0, ~. " .:' r i.: '.. '.l ;.~ :~(.: ;:r" ':.) :L;_~. PS PORM 3800 us Postal Service ;..:'.':':'t , ;. -- t :~. .,'. .:\ t,"( ..:!, ..,:' j : --'--'-"-"-'---'~-'- :.>:.;J'; ! . -"-'-_.--'~_4_"_,_,___ POSTMARK OR DATE -',. J 'J ~ g ~ ~ ~ -. ~ ~.I~ J~F",- , " ~ ADVANTA CRAIG DEWITT 10 AUSTEL DR MARYSVILLE PA 170539798 Advanta Mortgage Ra Box 509011 San Diego. CA 92150-9D11 10190 Rancho Bernardo Road San Diego. CA 92127 (858) 576-3099 DATE: August 7, 2000 RE: Loan number 1836592 NOTICE OF INTENT TO FORECLOSE ON MORTGAGE YOU ARE IN DEFAULT OF YOUR OBLIGATION TO YOUR LENDER, the present holder of the Note and Mortgage referenced by the above identified loan number _ ADVANTA Mortgage Corp _ USA is the servicing agent for the holder authorized to act on its behalf. YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO PAY installments of $555.95 each, commencing June 05, 2000 and subsequent installments thereafter. Late charges have also accrued to this date. Late charges are assessed if the monthly payment is not received within the grace period set forth in your Note. Your monthly late charge ie $28.79. Other charges may have also accrued which are due in your loan. AS OF THE DATE OF THIS LETTER, THE NECESSARY TO CURE THE DEFAULT IS AS FOLLOWS: order to cure TOTAL AMOUNT Payments of $555.95 each commencing June 05, 2000 through August 05, 2000: (Corporate Advances included) $ CUrrent Late Charges $ Deferred Late Charges $ CUrrent Return Check Fees $ Deferred Return Check Fees $ Advances by Servicer $ Advances by Investor $ LESS: Partial Payments/Forbearance $ Miec. Unapplied Punde $ TOTAL AMOUNT TO CURE DEFAULT: $ 1,696.74 57.58 .00 .00 .00 60.88 .0 0 .00 .00 1,815.20 YOU MAY CURE THIS DEFAULT within 30 days of the date of this letter by paying to us the amount of $1,815.20 plus additional installment paymente that corne due and any late charges and other charges or fees which have accrued or have been paid on your behalf during that time. Such payment must be made in the the form of cash, certified or bank check, or money order, payable to ADVANTA Mortgage Corp. USA and delivered to the following address: ADVANTA Mortgage Corp. USA Collection Dept. #350 10790 Rancho Bernardo Rd. San Diego CA 92127 If you do not cure the default within 30 days, we intend to exerciee our r~ght to accelerate the mortgage. This means that whatever is ow~ng on the original amount borrowed will be considered due immediately and you will lose the chance to payoff the original mortgage in monthly installments. If you do not cure the default within 30 days, we intend to instruct our attorneys to start a lawsuit to foreclose on the mortgaged premises. If the mortgage is foreclosed upon, your mortgaged property will be eold by the County Sheriff to payoff the mortgage debt. If we refer your case to our attorneys, but you cure the default before they LT.LTRI'lA.05 ......-. .~ -1"-'" ., ~-~'" ~ -I ""~_ ...... - "'m" , " ~ ADVANTA Advanta Mortgage AO. Bo)( 509011 NOTICE OF INTENT TO FORECLOSE ON MORTGAGE S'nD;'go, CH2150."" CRAIG DEWITT 10790 Rancho Bamardo Road 'Page Two San Diego. CA 92127 begin legal proceedings against you, you will still h~"~~ pay the reasonable attorney's fees, actually incurred, up to $50. However, if legal proceedings are started against you, you will have to pay the actual incurred reasonable attorney's fees, even if the fses are more than $50. All attorney's fees will be added to whatever amount you owe us, which may also include our reasonsble costs. IF YOU CURE THE DEFAULT WITHIN THE THIRTY-DAY PERIOD YOU WILL NOT BE REQUIRED TO PAY ATTORNEY'S FEES. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. However, if you have filed a bankruptcy and this mortgage debt was die charged, we cannot eue you personally. If you have not cured the default within the 30 day period and foreclosure proceedings have begun, you will have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's foreclosure sale. You may do so by paying the total amount of the unpaid amount due plus any interest and late or other charges then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale (and perform any other requirements under the mortgagel. It is estimated that the earliest date that such a Sheriff's Sale of your Premises could be held would be approximately 90 days from the date foreclosure preceedings begin. This is just an estimated date. A notice of the actual date of the Sheriff's Sale will be eent to you before the sale. Of course, the amount needed to cure the default will increaee the longer you wait. You may find out at any time exactly what the required payment will be by calling us at (800) 548-7916, between the hours of 5:00 a.m. and 8:00 p.m. Monday through Friday, 6:00 a.m. and 3:00 p.m. Saturday and 6:00 a.m. to 12:00 p.m. Sunday, Pacific Standard Time. You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff's Sale, a lawsuit could be started to evict you. You have additional rights to help protect your intereet in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THIS DEBT. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. YOU HAVE THE RIGHT TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PREMISES SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WOULD CURE THE DEFAULT AND ASSUME THE MORTGAGE DEBT PROVIDED THAT ALL OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE TIME OF SALE. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. If you cure the default, the mortgage will be restored to position as if no default had occurred. However, you entitled to cure a default more than three times in any year. Collection Department #350 ADVANTA Mortgage Corp. USA the same are not calendar WP12/ACT6BMF File Copy L.T-LTRI.:A.{I~ ~~ ~ ~__I - ~J.1-- , c- ~ ADVANTA Advanta Mortgage p.o. Sox 509011 San Diego, CA 92150-9011 tai90 Rancho Bernardo Road San Diego, CA 92127 KIMBERLY M DEWITT 98 QUEEN AV ENOLA PA 17025 DATE: August 7, 2000 RE: Loan number 1836592 IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS. Your mortgage is in default because you have failed to pay promptly installments due for a period of at least 60 days. YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO PAY $555.95 each due 6/05/00 and monthly thereafter charges. AS OF THE DATE OF THIS LETTER YOU ARE FOLLOWS: installments of as well as other IN DEFAULT AS Payments of $555.95 each for June 05, 2000 through August OS, 2000: (Corporate Advances included) Current Late Charges ' Deferred Late Charges Current Return Check Fees Deferred Return Check Fees Advances by Servicer Advancee by Investor LESS: Partial paymente/Forbearance Misc. Unapplied Funds TOTAL DEFAULT: $ 1,696.74 $ 57.58 $ .00 $ .00 $ .00 $ 60.88 $ .0 0 $ .00 $ .00 $ 1,815.20 You may be eligible for financial assistance that will prevent foreclosure on your mortgage if you comply with the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the lIActll). You may be eligible for emergency temporary assistance if your default has been caused by circumstances beyond your control, and if you meet the eligibility requiremente of the Act ae determined by the Pennsylvania Housing Finance Agency. Pleaee read all of this Notice, it contains an explanation of your rights. Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for 30 days from the date of this Notice. During that time you have the right to arrange a "face-to-face" meeting with a representative of ADVANTA'Mortgage Corp. USA, or with a designated consumer credit counseling agency. The purpose of that meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency. That meeting must occur in the next 30 days. If you attend a face-to-face meeting with ADVANTA Mortgage Corp. USA, or with a consumer credit counseling agency identified in this Notice, no further proceeding in mortgage foreclosure may take place for 30 days after the date of that meeting. You can contact a representative of ADVANTA Mortgage Corp. USA by teleph9ning our toll free number ,(800) 548-7916 between the hours of 5:00 a.m. and 8:00 p.m. Monday, 6:00 a.m. and 3:00 p.m. Saturday and 6:00 a.m. and 12:00 p.m. Sunday, Pacific Standard Time. The name(s), address (es) and telephone number(s) of (a) designated consumer credit counseling agency(ies) is (are) attached. IT-l..TR14..\-05 ~ ~-~ , ;...i 1-. -, <--<'Ill'':' ~ ADVANTA' NOTICE OF HOMEOWNERS' KIMBERLY M DEWITT PAGE TWO Advanta Mortgage p.o. BOI( 509011 San Diego. CA 92150.9011 10790 Rancho Bemardo Road San Diego. CA 92127 EMERGENCY MORTGAGE ASSISTANCE ACT It is only necessary to should advise ADVANTA intentions. schedule one face-to-face meeting. You Mortgage Corp. USA immediately of your 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 Homeowners' Emergency Assistance Application with the Pennsylvania Housing Finance Agency. The consumer credit counseling agency will assist you in filling out your application. It must be filed or postmarked within 30 days of your face-to-face meeting. You must either mail your application to the Pennsylvania Housing Finance Agency or you must file it at the office of one of the attached designated consumer credit counseling agencies listed on the attachment to this Notice. The Pennsylvania Houeing Front Street, P.O. Box Telephone Number (717) number) . Finance Agency is located at: 2101 North 8029, Harrieburg, Penneylvania 17105. 780-3800 or 1-800-342-2397 (toll free An application for assistance may be obtained from a consumer credit counseling agency or directly from the Pennsylvania Housing Finance Agency. It is extremely important that you file your application promptly. If you do not do eo, or if you do not follow the other time periods eet forth in tpis letter, forecloeure may proceed against your home immediately. Available funds for emergency mortgage assistance are very limited. They will be disbureed by the Agency under the eligibility criteria established by the Act. It ie extremely important that your application ie accurate and complete in every reepect. The counseling agency will help you to fill out the application. The Pennsylvania Housing Finance Agency has 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. La notificacion en adjunto es de euma importancia, puee affecta su derecho a continuar viviendo en au casa. 8i no comprende el contenido de eeta notificacion obtanga una traducion immediatamente llamando esta agencia (Pennsylvania Housing Finance Agency) sin cargos al numero mencionado arriba. Puedes ser eligible para un prestamo por el programa l1amando IIHomeowner's Emergency Mortgage Assistance Program" el cual puede salvar eu cas a de la perdida del derecho a r~dimir su hipoteca. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ALL INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Collection Department #350 ADVANTA Mortgage Corp. USA Attachment: Consumer Credit Counseling Agencies WP12/ACT91CM File Copy LT-LTA14AoOS <~,.' ~. . . _to "" , .. "'--'k:< ~ ADVANTA Advanta Mortgage p.o. 60l{ 509011 San Diego. CA 92150-9011 10790 Rancho BernardD Road San Diego, CA 92127 KIMBERLY M DEWITT 98 QUEEN AV ENOLA PA 17025 DATE: August 7, 2000 RE: Loan number 1836592 NOTICE OF INTENT TO FORECLOSE ON MORTGAGE YOU ARE IN DEFAULT OF YOUR OBLIGATION TO YOUR LENDER, the present holder of the Note and Mortgage referenced by the above identified loan number. ADVANTAMortgage Corp. USA is the servicing agent for the holder authorized to act on its behalf. YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO PAY installments of $555.95 each, commencing June 05, 2000 and subsequ~nt installmenbs thereafter. Late charges have also accrued to this date. Late charges are assessed if the monthly payment is not received within the grace period set forth in your Note. Your monthly late charge is $28.79. Other charges may have also accrued which are due in order to cure your loan. AS OF THE DATE OF THIS LETTER, THE TOTAL AMOUNT NECESSARY TO CURE THE DEFAULT IS AS FOLLOWS: payments of $555.95 each commencing June 05, 2000 through August 05, 2000: (Corporate Advances included) $ current Late Charges $ Deferred Late Chargee $ current ,Return Check Fees $ Deferred Return Check Fees $ Advances by Servicer $ Advances by Investor $ LESS: Partial Payments/Forbearance $ Misc. Unapplied Funds $ TOTAL AMOUNT TO CURE DEFAULT: $ 1,696.74 57.58 .00 .00 .00 60.88 .0 0 .00 .00 1,815.20 YOU MAY CURE THIS DEFAULT within 30 days of the date of this letter by paying to us the amount of $1,815.20 plus additional installment paymente that come due and any late chargee and other charges or fees which have accrued or have been paid on your behalf during that time. Such payment must be made in the the form of caeh, certified or bank oheck, or money order, payable to ADVANTA Mortgage Corp. USA and delivered to the following address: J\DVANTA Mortgage Corp. USA COllection Dept. #350 10790 Rancho Bernardo Rd. San Diego CA 92127 If you do not cure the default within 30 days, we intend to exercise our r~ght to accelerate the mortgage. This means that whatever is ow~ng on the original amount borrowed will be considered due immediately and you will lose the chance to payoff the original mortgage in monthly installments. If you do not cure the default within 30 days, we intend to instruct our attorneys to start a lawsuit to foreclose on the mortgaged premises. If the mortgage ie foreclosed upon, your mortgaged property will be sold by the County Sheriff to payoff the mortgage debt. If we refer your caee to our attorneye, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up LT-Lml~A-05 ," ~----'IlIl.- ..-: '~.,' ~ ADVANTA NOTICE OF INTENT TO FORECLOSE ON MORTGAGE KIMBERLY M DEWITT page Two Advanta Mortgage RO. Box 509011 SEln Diego, CA 92150-9011 10790 Rancho Bernardo Road SCln Diego, CA 92121 to $50. However, if legal proceedings are started against you, you will have to pay the actual incurred reasonable attorney's fees, even if the fees are more than $50. All attorney's fees will be added to whatever amount you owe us, which may also include our reasonable costs. IF YOU CURE THE DEFAULT WITHIN THE THIRTY-DAY PERIOD YOU WILL NOT BE REQUIRED TO PAY ATTORNEY'S FEES. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. However, if you have filed a bankruptcy and this mortgage debt was discharged, we cannot sue you personally. If you have not cured the default within the 30 day period and foreclosure proceedings have begun, you will have the right to cure the default and prevent the sale at any time up to one hour before the Sherif.f's foreclosure sale. You may do so by paying the total amount of the unpaid amount due plus any interest and late or other charges then ,due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale (and perform any other requirements under the mortgage) . It is estimated that the earliest date that such a Sheriff's Sale of your Premises could be held would be approximately 90 days from the date foreclosure preceedings begin. This is just an estimated date. 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 increaee the longer you wait. You may find out at any time exactly what the required payment will be by calling us at (800) 548-7916, between the hours of 5:00 a.m. and 8:00 p.m. Monday through Friday, 6:00 a.m. and 3:00 p.m. Saturday and 6:00 a.m. and 12:00 p.m. Sunday, Pacific Standard Time. You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff's Sale, a laweuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THIS DEBT. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. YOU HAVE THE RIGHT TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PREMISES SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WOULD CURE THE DEFAULT AND ASSUME THE MORTGAGE DEBT PROVIDED THAT ALL OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE ,PAID PRIOR TO OR AT THE TIME OF SALE. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. If you cure the'default, the mortgage will be restored to position as if no default had occurred. However, you entitled to cure a default more than three times in any year. the same are not calendar Collection Department #350 ADVANTA Mortgage Corp. USA WP12/ACT6CPF File Copy I.T.!.TR141\.05 r--= '- ~ ADVANTA '--- 1.'r.LTR1~A.O~ ~~. ~. _ _" .1<~ Iii , -;;~ CONSUMER CREDIT COUNSELING AGENCIES Advanta Mortgage p.o. Box 509011 San Diego, CA 92150-9011 10790 Rancho Bernardo Road San Diego, CA 92127 CUmberland County Consumer Credit Counseling Service of Western Pennsylvania, Inc. 2000 Linglestown Road Harrisburg, PA 17102 (717) 541-1757 Financial Services Unlimited 117 West 3rd Street Waynesboro, PA 17268 (717) 762-3285 Urban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, PA 17101 (717) 234-5925 FAX # (717) 232-4985 YMCA of Carlisle 301 G Street Carlisle, PA 17013 (717) 243-3818 FAX # (717) 243-3948 I ~". .. .---- a- I"- ru '" '" a- t::> l"- e; a. Fl~URN FleCEIPT seRVICe -- ----,- POsrAGe '-~'_._ IlIrSl'RiclCDCl!UVEIn-' Cl!1ll'lF/eOFEI;';'llI;'llillt;> T~pClS"'''~ ~1;'1Pt -'-ANO!'EI;'$ NOTFoRII1Tl1I1I11;;;';"~.! .i':L"'!"lLIoWL - -- :..;.., ----.- C'.;J P08T1t1AflK~~~;-'-' "~, 12 ; ~~~0 f . ;" $~' .Q, 00, Q,"t'! J?~i ~~I ;~i ~l:..! uO, ~&:' 1:1", g~ SENTT(j; ','. " "";.:''-. <"" .,~. ~r . I :,',--.;;'; ..-r ". .,' i:" ,\~ ;," - ...,t,...,~ . '. PS PORM 3800 us POstat S ervlce 3/0 eceipt " Certifi Or eel Mail '" z i ,,'J'.. -- -- -- -- -- -- -- -,- ----..,... , .1 ~~:"J ~ ": t,: r ,.'........;1 ..' "i", "-~ ~ .~_~~~~~ - I '- ~ ADVANTAo ,J ~: Advanta Mortgage p.o. Box 509011 San Diego, CA 921.50.9011 10790 Rancho Bemstdo Road San Diego. CA 92127 DATE: August 7, 2000 KIMBERLY M DEWITT 10 AUSTEL DR MARYSVILLE PA 170539798 RE: Loan number 1836592 IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS. Your mortgage is in default because you have failed to pay promptly installments due for a period of at leaet 60 days. YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO PAY $555.95 each due 6/05/00 and monthly thereafter charges. AS OF THE DATE OF THIS LETTER YOU ARE FOLLOWS: Payments of $555.95 each for June 05, 2000 through August 05, 2000: (Corporate Advances included) Current Late Charges Deferred Late Charges CUrrent Return Check Fees Deferred Return Check Fees Advances by Servicer Advances by Investor LESS: Partial Payments/Forbearance Misc. Unapplied Funds TOTAL DEFAULT: installments of as well as other IN DEFAULT AS $ 1,696.74 $ 57.58 $ .00 $ .00 $ .00 $ 60.88 $ .0 0 $ .00 $ .00 $ 1,815.20 You may be eligible for financial assistance that will prevent foreclosure on your mortgage if you comply with the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Actll). You may be eligible for emergency temporary assistance if your default has been caused by circumstances beyond your control, and if you meet the eligibility requiremente of the Act as determined by the Pennsylvania Houeing Finance Agency. Please read all of this Notice, it contains an explanation of your rights. Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for 30 days from the date of thie Notice. During that time you have the right to arrange a 'lface-to-face" meeting with a representative of ADVANTA Mortgage Corp. USA, or with a deeignated consumer credit counseling agency. The purpose of that meeting is to attempt to work out a repayment plan, or to otherwiee settle your delinquency. That meeting must occur in the next 30 days. If you attend a face-to-face meeting with ADVANTA Mortgage Corp. USA, or with a coneumer credit counseling agency identified in this Notice, no further proceeding in mortgage foreclosure may take place for 30 days after the date of that meeting. You can contact a representative of ADVANTA Mortgage Corp. USA by telephoning our toll free number (800) 548-7916 between the hours of 5:00 a.m. and 8:00 p.m. Monday, 6:00 a.m. and 3:00 p.m. Saturday and 6:00 a.m. and 12:00 p.m. Sunday, Pacific Standard Time. The name(s), addrees(es) and telephone number(s) of (a) designated consumer credit counseling agency{ies) is (are) attached. LT-LTR14A-05 - ~-" . ~ '. ~ ADVANTA Advanta Mortgage p.o. Box 509011 San Diego, CA 92150.9011 10790 Rancho Bernardo Roact San Diego, CA 92127 EMERGENCY MORTGAGE ASSISTANCE ACT NOTICE OF HOMEOWNERS' KIMBERLY M DEWITT PAGE TWO It is only necessary to should advies ADVANTA intentions. schedule one face-to-face meeting. You Mortgage Corp. USA immediately of your 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 Homeowners' Emergency Assistance Application with the Pennsylvania Housing Finance Agency. The consumer credit counseling agency will assist you in filling out your application. It must be filed or poetmarked within 30 days of your face-to-face meeting. You must either mail your application to the Pennsylvania Housing Finance Agency or you must file it at the office of one of the attached designated consumer credit counseling agencies listed on the attachment to this Notice. The Pennsylvania Houeing Front street, P.O. Box Telephone Number (717) number) . Finance Agency is located at: 2101 North 8029/ Harrisburg, Pennsylvania 17105. 780-3800 or 1-800-342-2397 (toll free An application for assistance may be obtained from a consumer credit counseling agency or directly from the Pennsylvania Housing Finance Agency. It is extremely important that you file your applic~tion promptly. If you do not do so, or if you do not follow the other time periods set forth in thie letter, foreclosure may proceed against your home immediately. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. It is extremely important that your application is accurate and complete in every, respect. The couneeling agency will help you to fill out the application. The Pennsylvania Housing Finance Agency has 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 decieion on your application. La notificacion en adjunto es de suma importancia, pues affecta au derecho a continuar viviendo en au casa. 8i no comprende e1 contenido de eeta notificacion obtanga una traducion immediatamente llamando esta agencia (Pennsylvania Housing Finance Agency) sin cargos al numero mencidnado arriba. Puedes eer eligible para un prestamo por el programa llarnando "Homeowner's Emergency Mortgage Aeeietance Program" el cual puede ealvar su cae a de la perdida del derecho a redimir su hipoteca. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ALL INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Collection Department #350 ADVANTA Mortgage Corp. USA Attachment: Consumer Credit Counseling Agencies WP12/ACT91CP File Copy Li.LTF,1.1A-tJ5 ~. c'_< "" ., ~-'" ,.t'~~ > ~ ADVANTA' " i~ CUmberland County CONSUMER CREDIT COUNSELING AGENCIES Advanta Mortgage p.o. Box 509011 San Diego. CA 92150-9011 10790 Rancho Barnardo Road San Diego, CA 92127 LHTR14A.OS Consumer Credit Counseling Service of Western Pennsylvania, Inc. 2000 Linglestown Road Harriaburg, PA 17102 (717) 541-1757 Finanoial Services Unlimited 117 W~st 3rd Street Wayneeboro, PA 17268 (717) 762-3285 Urban League of Metropolitan Harrisburg 25 N. Front Street Harriaburg, PA 17101 (717) 234-5925 FAX # (717) 232-4985 YMCA of Carlisle 301 G Street Carliale, PA 17013 (717) 243-3818 FAX # (717) 243-3948 .. '" ru '" '" c- RETURN RECEIPT SERVICE "'- RE5l'AlCTeODWVEllV GERTlAEDFEE..RET\JRNREGEIFT ~, ;:. . '~I:;.' ""'.- SENT 0: TOT....FCS'TAGEANCFEES ;:,\(.;1 NQTFDII~~I\IATIONALMldt - . ~ "t :-\ ';,\..;,':L,' '" r0- c- "" :;J. ,d ._'- :!~, \ ,",,: '.'.:',;; ,'"...-,., F',", :,"i {:' ~j ., :;. PS FORM 3800 US Postal Service Receipt for Certified Mail ~ o ~ ( ,..:.-,::'., ..,..#)1:>1 -.', ~; .:. ,-, ---- -"-- -~-~ -.-----.-.---.-'-- .~ -I~ ~" ,---,- .- - ."'-'-'f:-:t- ',- ~ ADVANTA' Advanta Mortgage p.o, Sox 509011 San Diego, CA 92150-9011 10790 Rancho Bernardo Road San Diego, CA 92127 KIMBERLY M DEWITT 10 AUSTEL DR MARYSVILLE PA 170539798 DATE: August 7, 2000 RE: Loan number 1836592 NOTICE OF INTENT TO FORECLOSE ON MORTGAGE YOU ARE IN DEFAULT OF YOUR OBLIGATION TO YOUR LENDER, the present holder of the Note and Mortgage referenced by the above identified loan number. ADVANTA Mortgage Corp. USA is the eervicing agent for the holder authorized to act on its behalf. YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO PAY installments of $555.95 each, commencing June 05, 2000 and Subsequent installments thereafter. Late charges have also accrued to this date. Late charges are aseessed if the monthly payment is not received within the grace period set forth in your Note. Your monthly late charge is $28.79. Other charges may have also accrued which are due in order to cure your loan. AS OF THE DATE OF THIS LETTER, THE TOTAL AMOUNT NECESSARY TO CURE THE DEFAULT IS AS FOLLOWS: paymente of $555.95 each commencing June 05, 2000 through August 05, 2000: (Corporate Advances inclUded) $ Current Late Charges $ Deferred Late Charges $ Current Return Check Fees $ Deferred Return Check Fees $ Advances by servicer $ Advances by Investor $ LESS: Partial Payments/Forbearance $ Misc. unapplied Funde $ TOTAL AMOUNT TO CURE DEFAULT: $ 1,,696.74 57.58 .00 .00 .00 60.88 .0 0 .00 .00 1,815.20 YOU MAY CURE THIS DEFAULT within 30 days of the date of this letter by paying to us the amount of $1,815.20 plus additional installment paymente that come due and any late charges and other charges or fees which have accrued or have been paid on your behalf during that time. Such payment must be made in the the form of caeh, certified or bank check, or money order, payable to ADVANTA Mortgage Corp. USA and delivered to the following addrees: ADVANTA Mortgage Corp. USA Collection Dept. #350 10790 Rancho Bernardo Rd. San Diego CA 92127 If you do not cure the default within 30 days, we intend,to exercise our right to accelerate the mortgage. This means that whatever is owing on the original amount borrowed will be considered due immediately and you will lose the chance to payoff the original mortgage in monthly installments. If you do not cure the default within 30 days, we intend to instruct our attorneys to start a lawsuit to foreclose on the mortgaged premises. If the mortgage is foreclosed upon, your mortgaged property will be sold by the County sheriff to payoff the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedinge againet you, you will still have to pay the reasonable attorney's fees, act~ally incurred, up LT.LTR1~A.05 -' -.'-- ~" '<'~' '- ~ AD VANTA' NOTICE OF INTENT TO FORECLOSE ON MORTGAGE KIMBERLY M DEWITT Page Two Advanta Mortgage p.o. Box 509011 San Diego, CA 92150.9017 10790 Rancho Bernardo Road San Oiego, CA 92127 to $50. However, if legal proceedings are started against you, you will have to pay the actual incurred reasonable attorneyls fessl even if the fees are more than $50. All attorney's fees will be added to whatever amount you owe us, which may also include our reasonable costs. IF YOU CURE THE DEFAULT WITHIN THE THIRTY-DAY PERIOD YOU WILL NOT BE REQUIRED TO PAY ATTORNEY'S FEES. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. However, if you have filed a bankruptcy and this mortgage debt was discharged, we cannot sue you personally. If you have not cured the default within the 30 day period and foreclosure proceedings have begun, you will have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's foreclosure sale. You may do so by paying the total amount of the unpaid amount due plus any intersst and late or other charges then due, as well as the reasonable attorneyls fees and costs connected with the foreclosure sale (and perform any other requirements under the mortgage) . It is estimated that the earliest date that euch a Sheriff's Sale of your Premises could be held would be approximately 90 daye from the date forecloeure preceedings begin. This is just an estimated date. A notice of the actual date of the Sheriff'e 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 will be by calling us at (800) 548-7916, between the hours of 5:00 a.m., and 8:00 p.m. Monday through Friday, 6:00 a.m. and 3:00 p.m. Saturday and 6:00 a.m. and 12:00 p.m, Sunday, Pacific Standard Time. You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff's Sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THIS DEBT. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. YOU HAVE THE RIGHT TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PREMISES SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WOULD CURE THE DEFAULT AND ASSUME THE MORTGAGE DEBT PROVIDED THAT ALL OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE TIME OF SALE. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. If you cure the default, the mortgage will be restored to position as if no default had occurred. However, you entitled to cure a default more than three times in any year. Collection Department #350 ADVANTA Mortgage Corp. USA the eame are not calendar WP12/ACT6CMF File Copy LT.LTR14A-OS .." , ~ "1iIIIiIl ~, ~ ': ~ ADVANT:Ao Advanta Mortgage p.o. 80..( 509011 Sail Diego, CA 92150-9011 10790 Rancho Bernardo Road San Diego. CA 9212i SAMUELLA WOODROW 98 QUEEN AV ENOLA PA 17025 DATE: August 7, 2000 RE: Loan number 1836592 NOTICE OF INTENT TO FORECLOSE ON MORTGAGE YOU ARE IN DEFAULT OF YOUR OBLIGATION TO YOUR LENDER, the present holder of the Note and Mortgage referenced by the above identified loan number. ADVANTA Mortgage Corp. USA is the servicing agent for the holder authorized to act on its behalf. YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO PAY installments of $555.95 each, commencing June OS, 2000 and subsequent installments thereafter. Late charges have also accrued to this date. ~ate charges are assessed if the monthly payment ie not received within the grace period set forth in your Note. Your monthly late charge is $28.79. Other charges may have also accrued which are due in your loall. AS OF THE DATE OF THIS LETTER, THE NECESSARY TO CURE THE DEFAULT IS AS FOLLOWS: order to cure TOTAL AMOUNT Payments of $555.95 each commencing June 05, 2000 th~ough August 05, 2000: (Corporate Advances included) $ Current Late Charges $ Defe~red Late Chargee $ Current Return Check Fees $ Defe~red Return Check Fees $ Advances by Servicer $ Advances by Investor $ LESS: Partial Payments/Forbearance $ Misc. Unapplied Funde $ TOTAt. AMOUNT TO CURE DEFAULT: $ 1,696.74 57.58 .00 .00 .00 60.88 .0 0 .00 .00 1,815.20 YOU MAY CORE THIS DEFAULT within 30 days of the date of this letter by paying to us the amount of $1,815.20 plus additional installment payments that corne due and any late charges and other charges or fees which have accrued or have been paid on your behalf during that time. Such payment must be made in the the form of cash, certified or bank check, or money order, payable to ADVANTA ~ortgage Corp. USA and delivered to the following addrees: ADVANTA Mortgage Corp. USA Collection Dept. #350 10790 Rancho Bernardo Rd. San Diego CA 92127 If you do not cure the default within 30 days, we intend to exercise our r~ght to accelerate the mortgage. This means that whatever is oW1ng on the original amount borrowed will be considered due immediately and you will lose the chance to payoff the original mortgage in monthly installments. If you do not cure the default within 30 days, we intend to inetruct our attorneys to etart a lawsuit to foreclose on the mortgaged premises. If the mortgage is foreclosed upon, your mortgaged property will be sold by the County Sheriff to payoff the mortgage debt. ~f we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up LHTR1.!A.(l5 - "~"" --iii' ~ ADVANTA' NOTICE OF INTENT TO FORECLOSE ON MORTGAGE SAMUELLA WOODROW Page Two Advanta Mortgage p.o. Box 509011 Sail Diego. CA 92150-9011 70790 Ranallo Bernardo Road San Diego. CA 92127 to $50. However, if legal proceedings are started against you, you will have to pay the actual incurred reasonable attorney's fees, even if the fees are more than $50. All attorney's feee will be added to whatever amount you owe us, which may also include our reasonable costs. IF YOU CURE THE DEFAULT WITHIN THE THIRTY-DAY PERIOD YOU WILL NOT BE REQUIRED TO PAY ATTORNEY'S FEES_ We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. However, if you have filed a bankruptcy and this mortgage debt was discharged, we cannot sue you personally. If you have not cured the default within the 30 day period and foreclosure proceedings have begun, you will have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's foreclosure sale. You may do so by paying the total amount of the unpaid amount due plus any interest and late or other charges then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale (and perform any other requirements under the mortgage) . It is estimated that the earliest date that such a Sheriff'e Sale of your Premiees could be held would be approximately 90 days from the date foreclosure preceedings begin. This is just an estimated date. 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 will be by calling us at (800) 548-7916, between the houre of 5:00 a.m. and 8:00 p.m. Monday through Friday, 6:00 a.m. and 3:00 p.m. Saturday and 6:00 a.m. and 12:00 p.m. Sunday, Pacific Standard Time. You ehould realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff's Sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THIS DEBT. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. YOU HAVE THE RIGHT TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PREMISES SUBJECT TO THE MORTGAGE TOA BUYER OR TRANSFEREE WHO WOULD CURE THE DEFAULT AND ASSUME THE MORTGAGE DEBT PROVIDED THAT ALL OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE TIME OF SALE. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. If you cure the default, the mortgage will be restored to position as if no default had occurred. However, you entitled to cure a default more than three times in any year. the same are not calendar Collection Department #350 ADVANTA Mortgage Corp., USA WP12/ACT6CPF File Copy LT'LTRt4A.05 " " ~ ADVANTAo ",' ~" , '"' Advanta Mortgage p.o. Box 509011 San Diego. CA 92150-9011 10790 Rancho Bernardo Road Sail Diego, CA 92127 cumberland County CONSUMER CREDIT COUNSELING AGENCIES LT.LTR14A.<15 Consumer Credit Counseling Service of Western Pennsylvania, Inc. 2000 Linglestown Road Harrisburg, PA 17102 (717) 541-1757 Financial Services Unlimited 117 West 3rd Street Waynesboro, PA 17268 (717) 762 -3285 Urban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, PA ~7101 (717) 234-5925 FAX # (717) 232-4985 YMCA of Carlisle 301 G Street Carlisle, PA 17013 (717) 243-3818 FAX # (717) 243-3948 0- m m RETURN RECEIPT SERVIce "".,,, AESlRICTEDDEUVERY CER11FIeDFEE+ RE11JRttfECElPT TC1jlLPOSOOEI\NDFEE5 :,..,.... -.-.-.--.-.-.-' ..i'._ ) ',' ::;'-i\' SENT T 0- I<<lfFOAINTSllNmoNALM~lL '" ~ SAMUELLA WOODROW CJ '" 0- a., : . ,; ... ': ,._~ ,~ "./ ..,.l..', ; ,~ '-~ PS FORM 3800 US Postal Service ",'- '." ." (~-~, ~' - . -~. ;- \..,j --------.....-.------- Receipt for Certified Mail i ~ o . ~ . .,~; , ~ . " ~ ADVANTA' ,~~. ";i![' ~ ]~_ Advanta Mortgage p.o. BOo" 509011 San Diego. C'A 92150-9011 10790 Rancho BiWlardo Road San Diego. CA 92127 DATE: August 7, 2000 S~ELLA WOODEOW 10 AUSTEL DR MARYSVILLE PA 170539798 HE: Loan number 1836592 IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS. Your mortgage is in default becauee you have failed to pay promptly installments due for a period of at least 60 days. YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO PAY $555.95 each due 6/05/00 and monthly thereafter charges. AS OF THE DATE OF THIS LETTER YOU ARE FOLLOWS: Payments of $555.95 each for June 05, 2000 through Auguet 05, 2000: (Corporate Advances included) Current Late Charges Deferred Late Chargee Current Return Check Fees Deferred Return Check Fees Advancee by Servicer Advances by Investor LESS: Partial payments/Forbearance Misc. Unapplied Funds TOTAL DEFAULT: installments of ae well as other IN DEFAULT AS $ 1,696.74 $ 57.58 $ .00 $ .00 $ .00 $ 60.88 $ .0 0 $ .00 $ .00 $ 1,815,20 You may be eligible for financial aesistance that will prevent foreclosure on your mortgage if you comply with 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, and if you meet the eligibility requirements of the Act as determined by the Pennsylvania Housing Finance Agency. please read all of this Notice, it contains an explanation of your rights. Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for 30 days from the date of this Notice. During that time you have the right to arrange a "face-to-face" meeting with a repreeentative of ADVANTA Mortgage Corp. USA, or with a designated consumer credit counseling agency. The purpose of that meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency. That meeting muet occur in the next 3 0 days. If ,you attend a face-to-face meeting with ADVANTA Mortgage Corp. USA, or with a consumer credit counseling agency identified in this Notice, no further proceeding in mortgage foreclosure may take place for 30 days after the date of that meeting. You can contact a representative of ADVANTA Mortgage Corp. USA by telephoning our toll free number (800) 548-7916 between the hours of 5:00 a.m. and 8:00 p.m. Monday, 6:00 a.m. and 3:00 p.m. Saturday and 6:00 a.m. and 12:00 p.m. Sunday, Pacific Standard Time. The name(s), address (es) and telephone number(s} of (a) designated consumer credit counseling agency(ies) is (are) attached. LHTAI~A.05 '" ~, > -,~ .. '" '. ~ ~ ADVANTA' NOTICE OF HOMEOWNERS' ,S.\MUELLA WOODROW PAGE TWO Advanta Mortgage p.o. Sox 509011 ' San Diego, CA $2150-&011 10790 Rancho Bernardo Road San Diego. CA 92127 EMERGENCY MORTGAGE ASSISTANCE ACT It is only necessary to schedule one face-to-face meeting. You ehould advise ADVANTA Mortgage Corp. USA immediately of your intentions. If you have tried and are unable to reeolve this problem at/or after your face-to-face meeting, you have the right to apply for financial assistance from Homeowners' Emergency Assistance Application with the Pennsylvania Houeing Finance Agency. The consumer credit counseling agency will assist you in filling out your application. It must be filed or postmarked within 30 daye of your face-to-face meeting. You must either mail your application to the penneylvania Housing Finance Agency or you must file it at the office of one of the attached designated consumer credit counseling agencies listed on the attachment to this Notice. The Pennsylvania Housing Front Street, P.O. Box Telephone Number (717) number) . Finance Agency is located at: 2101 North 8029, Harrisburg, Pennsylvania 17105. 780-3800 or 1-800-342-2397 (toll free An application for aseietance may be obtained from a consumer credit counseling agency or directly from the Pennsylvania Houeing Finance Agency. It is extremely important that you file your application promptly. If you do not do so, or if you do not follow the other time periode set forth in this letter, foreclosure may proceed against your home immediately. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. It ie excremely important that your application is accurate and complete in every respect. The counseling agency will help you to fill out the application. The Pennsylvania Housing Finance Agency has 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. La notificacion en adjunto es de suma importancia, puss affecta au derecho ~ continuar viviendo en au casa. 6i no comprende el contenido de esta. notificacion obtanga una traducion immediatamente llamando est a agencia (Pennsylvania Housing Finance Agency) sin cargos al numero mencionado arriba. Puedes ser eligible para un prestamo por el programa llamando "Homeowner's Emergency Mortgage Assietance Program" el cual puede salvar su casa de la perdida del derecho a redimir eu hipoteca. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ALL INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE_ Collection Department #350 ADVANTAMortgage Corp. USA Attachment: Consumer Credit Counseling Agencies n1.-C- WP12/ACT91CM Gertifisd Copy ~J~ " "i'll, -1t: , " , ~ ADVANTAo NOTICE OF INTENT TO FORECLOSE ON MORTGAGE SAMUELLA WOODROW Page Two begin legal proceedings against you, you will still have to the reasonable attorney's fees, actually incurred, up to However, if legal proceedings are started against you, you have to pay the actual incurred reasonable attorney's fees, if the fees are more than $50. Advanta Mortgage p.o. Box 509011 San Di9gCI. CA ~2150-9011 10780 Rancho Bernarr:lo Road San Diego, CA 92127 pay $50. will even All attorney's fees will be added to whatever amount you owe which may also include our reasonable costs. IF YOU CURE DEFAULT WITHIN THE THIRTY-DAY PERIOD YOU WILL NOT BE REQUIRED PAY ATTORNEY'S FEES. us, THE TO We may also eue you pe.sonally for the unpaid principal balance and all other sums due under the mortgage. However, if you have filed a bankruptcy and this mortgage debt was discharged, we cannot sue you personally. If you have not cured the default within the 30 day period and foreclosure proceedings have begun, you will have the right to cure the default and prevent the sale at any time up to one nour before the Sheriff's foreclosure sale. You may do so by paying the total amount of the unpaid amount due plus any interest and late or other charges then due, as well as the reasonable attorney's fees and costs connected with the forecloeure sale (and perform any other requirements under the mortgage) . It is estimated that tne earliest date that such a Sheriff'sc Sale of your Premises could be held would be approximately 90 days from the date forecloeure p.eceedings begin. This is just an estimated date. 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 ~he longer you wait. You may find out at any time exactly wha~ the required payment will be by calling us at (800) 548-7916, between the hours of 5:00 a.m. and 8:00 p.m. Monday through Friday, 6:00 a.m. and 3:00 p.m. Saturday and 6:00 a.m. and 12:00 p.m. sunday, Pacific Standard Time. You should realize tha~ a Sheriff's Sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff'e Sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THIS DEBT. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. YOU HAVE THE RIGHT TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PREMISES SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WOULD CURE THE DEFAULT AND ASSUME THE MORTGAGE DEBT PROVIDED THAT ALL OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE TIME OF SALE. CONTACT US TO DETERNINE UNDER WHAT CIRCUMSTANCES THIS RIGgT MIGHT EXIST. If you cure the defaul~, the mortgage will be reetored to position as if no default had occurred. However, you entitled to cure a default more than three times in any year. the same are not calendar THIS IS AN ATTEMPT TO COLLECT A DEBT AND ALL INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Collection Department *350 ADVANTA Mortgage Corp. USA FlJ-C WP12/ACT6CM CGr~iEied Copy :..T-LTI'lPA.05 -' ,_"i- .~.i,"'~'~:J ~ ~ ADVANTA' Advanta Mortgage p.o. Box 509011 San Diego. CA 92150.9011 10790 Rancho Bernardo Road San D/ago, CA 92127 SAMUEtLA WOODROW 98 QUEEN AV ENOLA PA 17025 DATE: August 7, 2000 RE: Loan number 1836592 IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE TOWl\RD YOUR MORTGAGE PAYMENTS. Your mortgage is in default because you have failed to pay promptly installmente due for a period of at least 60 days. YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO PAY $555.95 each due 6/05/00 and monthly thereafter charges. AS OF THE DATE OF THIS LETTER YOU ARE FOLLOWS: installments of ae well as other IN DEFAULT AS Payments of $555.95 each for June 05, 2000 through August 05, 2000: (Corporate Advances included) Current Late Charges Deferred Late Charges CUrrent Return Check Feee Deferred Return Check Fees Advances DY Servicer Advances by Investor LESS: Partial Payments/Forbearance Misc. Unapplied Funds TOTAL DEFAULT: $ 1,696.74 $ 57.58 $ .00 $ .00 $ .00 $ 60 _ 88 $ .0 0 $ .00 $ .00 $ 1,815.20 You may be eligible for financial aeeistance that will prevent foreclosure on your mortgage if you~omply with the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Act"). You may be eligible for emergency temporary assietance if your default hae been caused by circumstances beyond your control, and if you meet the eligibility requirements of the Act as determined by the pennsylvania Housing Finance Agency. please read all of this Notice, it contains an explanation of your rights. Under the Act, you are entitled to a temporary stay of for~closure on your mortgage for 30 days from the date of this Notice. During that time you have the right to arrange a "face-to-face" meeting with a representative of ADVANTA Mortgage Corp. USA, or with a designated consumer credit counseling agency. The purpose of that meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency. That meeting must occur in the next 30 days. If you attend a face-to-face meeting with ADVANTA Mortgage Corp. USA, or with a consumer credit counseling agency identified in this Notice, ,no further proceeding in mortgage foreclosure may take place for 30 days after the date of that meeting. You can contact a representative of ADVANTA Mortgage Corp. USA by telephoning our toll free number (800) 548-7916 between the houre of 5:00 a.m. and 8:00 p.m. Monday, 6:00 a.m. and 3:00 p.m. Saturday and 6:00 a.m. and 12:00 p.m. Sunday, Pacific Standard Time. The name(s), address (es) and telephone number(e) of (a) designated consumer credit couneeling agency(ies) is (are) attached. I.T.LTR1~A-05 - _. " ~~" _I, 4-; .. ~ ADVJlNTAo Advanta Mortgage p.o. Box 509011 San Diego, CA 92150-9011 101'90 Rancho Bernardo Road San Diego, CA 92127 EMERGENCY MORTGAGE ASSISTANCE ACT NOTICE OF HOMEOWNERS' SAllUELLA WOODROW PAGE TWO It is only neceseary to schedule one face-to-face meeting. You should advise ADVANTA Mortgage Corp. USA immediately of your intentions. 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 Homeowners' Emergency Assistance Application with the Pennsylvania Housing Finance Agency. The consumer credit counseling agency will assist you in filling out your application. It must be filed or postmarked within 30 days of your face-to-face meeting. You must either mail your application to the Pennsylvania Housing Finance Agency or you must file it at the office of one of the attached designated consumer credit counseling agencies listed on the attachment to this Notice. The Pennsylvania Housing Front Street, P.O. Box Telephone Number (717) number) . Finance Agency ie located at: 2101 North 8029, Harrisburg, pennsylvania 17105. 780-3800 or 1-800-342-2397 (toll free An application for aseistance may be obtained from a coneumer credit counseling agency or directly from the Pennsylvania Housing Finance Agency. . It is ext,emely important that you file your application promptly. If you do not do so, or if you do not follow the other time periods set forth in this letter, foreclosure may proceed against your home immediately. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibiliCY criteria established by the Act. It is ext~emely important that your application is accurate and complete ~n every respect. The counseling agency will help you to fill out the application. The Pennsylvania Housing Finance Agency has 60 days to make a decision after it receives your application. During that additional time, no foreclosure proceedings will be pursued againet 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. La notificacion en adjuntoee de suma importancia, pues affecta su derecho a continuar viviendo en su casa. Si no cornprende el contenido de esta notificacion obtanga una traducion immediatamente llamando eeta agencia (Pennsylvania Housing Finance Agency) $in cargos al numero mencionado arriba. puedes eer eligible para un prestamo por el programa llamando "Homeowner's Emergency Mortgage Assistance Program II e1 cual puede salvar eu caea de l~ perdida del derecho a redimir su hipoteca. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ALL INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Collection Department #350 ADVANTA Mortgage Corp. USA AttachmenC: Consumer Credit Counselin~Agencies WP12/ACT9~CP File Copy 1.T-LTF\I~Ml5 - ~- "~I "'itl!.; , .. I~' -" , , .JI '" '" U] U] a- '" i'- ll'" 0.. R,,,_ RECEIPT SEFlViCE SENT TO: PS FORM 3500 p,,,,,,, f1SSTAICTEODEUIleAY C:5FmF1EDFEe+/lETUFlNREGePf 1OIAl.fOS1IIQE/INl)FEEll 0" , NOTFIl;Illm,IIlU;nOHIoI.IMII. SAMUELLA WOODROW ~ ,,',,: .~ r (__ ..; < , ,.; <', _ :. " ft. ;...~. US Postal ServIce .:_";:.'. ,; 1~:;,' . ~, .1..i . . -' .:~ .<' - ,,' ", ,,' ",~ '." : ,', i-i~ PP. , ;1}:~;Y',;'i':.J<: 0'" t_ POSTMARK OR DATE Receipt for Certified Mail '$ :\.,-1.. o ' ~ w . ~~ zw ~g 0< .z ~~ ." WII.: <0 ~~' w. ~~, ~ Q . l! ,..,-,.~-_..'---'-- -- _..~.'--~. - - _....- -... -- - - - --- ,;. - , ~ l'- en en '" '" a- o l'- a- CL. RETURN RECEIPT SEAVlCe: SENT TO: PS FORM 3800 "',,'" FlESl'RICTEDDElJVSlY CER11FlEDl'E'C~FIt'MlN~ECElPT ltl1l\Ll>OSTAeE/lNDrees NOTFOANTl!RNA'llOI<ALMAlL ,"'" ;;'.-<' ",.':t:" SAMUELLA WOODROW ';'..j '...: ,),~ ": ;'.1 ,~', '~< ._ ~ :;L,'~ "'. ~ ,: '. 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SENT 10: t'.f:i.J: .) : k;J };f .'l '''' ,'-,-,' ..". ..1UC(1'O r~.. :;;,\,el..h PS FORM 3800 US Postal Service .<i }.:, J ,~ ::' .~ :oP" """ ;",:t .i? .'.,! .:.," .,~ ",':)~"~~ 'j',; ,'"t,,:' Q w . o ~" ~i Q. g= l;(~ .. ~~ u~ ~e w~ ~w .~ Receipt for Certified Mail ~ ~ ~ _: '"i:" l' ~ - ,-', <~I;~" :, " ~'- -' ~-j .... _'~...-_'_-.'-"-,-.-.---------.-.--'-.---.---'- ~... '" '" "" '" '" .. c "" .. RE"'" R~E\i'T ,,,,,,", Cl. PiSTMARK DIInATE - RE"SmiCWDE"UVSlY CE.'il'lRE"DFU..,llE"'ItJRNRECE"lPl WN..l'Oe.lI\GEoIJ<<Ifl!Ell , ,- tlD1FORIN'I'EA tlALr.lA1L SENT TO: ~_,:', ~ ~.:. ,.;,~';,,~ ~ '( f.' i;' ~', ".',;;i r ';:i.. . ';,: \ ';;,ii';,1[":j':1 ?L;";;, r' "', ~ it.; ::; .J'" ';' ';.. ,':, PS FORM 3800 US Postal Service Receipt for Certified Mail ~':'~ t / !JI,; L':'_~l,i'':~')~. .,C:tc.",'<', .i":';; Q .- ~ ~'" ffi~ ~~ ~i !:!. UO ~!< ll~ 5w .~ 11 ~ ~ l! .i'. -' ~'''''~- -<t ~ . - I. - llIk~~" '-1 -;.------~~---.--'-_:e;;--~OSTMA~~f--g-'l RETlJIiN RESl'RlCTlOCEL.M;.R'f '._ . ~ RECEIPT wmFJEtl.FI!E+llrnJRtl~ECEIPT ~M\ /)JI' 9 .1 SERVICE ,(ot~ ~~I 'IOTAI.PO$TAGEANcmS 9 ffi~i FOifN'MllNI'ilION:LMAlL 0- . 15~: D.z: ~=, ~~: == W.' ~~ ~a ~a: 5. .i!O ['- ... ru SENT TO: '" '" a- ;. '. ;,; ~ '''' .. ~ ~ Q ,. a- ,;.;':"1...1'J ,:. '>:.,;> j.," L I ,-', ~ ' c. PS FORM 3800 US Postal Service Receipt for Certified Mail ;1"".,' ~. ~:'~, 1,:" ~ :'[ :: ;., '"-. T.t; ::~ ~. , ,i~ ;.- .~. .; i g ~ ~ :1";' :t- ~ fi:S ,~ ~ . .~ . .~""-- ~< \ ~~IJI_W '-"-;'~-~- '~JI!iIL_~!"!I!""" ~-~ fl.rt.n ~~~;.,' (~': ~, "'"1 --- !e~ J __~,ITr,~[JJ1D_lI!I_Jm!9iRW'[t1f-~1-.~Nf_,J(nr'Jfoll;,\\'ifr';1;~IW'\;iW~%'li'f~w,n""'1R').)0')'f1~~!)W\~~~!!>~'''WI~_ ,', n'h". h",,-=b.~~ -,-,-,~'".-, L ',n,,",., !.. '.,~..-__" , .. J " " I" I ~-- "j.,.- , .. ,- .. -,,~ .. .;" :,--,,' -,.,,- r" ""\ - ~ McCABE, WEISBERG AND CONWAY, P.C. BY: TERRENCE J. McCABE, ESQUIRE Identification Number 16496 First Union Building 123 South Broad Street, Suite 2080 Philadelphia, PA 19109 (215) 790-1010 Attorney for Plaintiff Bankers Trust Company of California, N.A. as Custodian or Trustee v. CRAIG DEWITT, KIMBERLY DEWITT A/K/A KIMBERLY WOODROW AND SAMUELLA WOODROW Defendants CUMBERLAND COUNTY COURT OF COMMON PLEAS NUMBER CV-00-7700 ORDER TO DISCONTINUE AND END TO THE PROTHONOTARY: Kindly mark the above-captioned matter discontinued and ended upon payment of your costs only. (i~ TERRENCE Attorney . ~, .~c . ,~ - - ".c~',,~ -, ..,_ ~'__i.-,- ~r ~ ->J4' ,,-,;. c",L.; . ';Ii-- ~,' "" .f , ~ _:..~ -0.: __.C,; o r- Z ~\1 c::L :-'Z:i'--- ~:;:::I"--" >..~.,.: :;;:-: --' "~:::: :::) ''') :~.) :';0 '- ~'. C::.-; '.."....' ",,,,V.L',;,; ..... '" - , ~'4