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HomeMy WebLinkAbout03-2168 MARK J. UDREN & ASSOCIATES ATTORNEY FOR PLAINTIFF BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 GE Mortgage Services, LLC 'COURT OF COMMON PLEAS formerly known as GE Capital :CIVIL DIVISION Mortgage Services, Inc. 3476 Stateview Boulevard :Cumberland County Ft. Mill, SC 29715 Plaintiff V. Roxanne S. Bumbaugh Jeffrey L. Bumbaugh : NO. 0.3 499 Newville Road Newburg, PA 17240 Defendant(s) COMPLAINT IN MORTGAGE FORECLOSURE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LAWYERS REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 1 r AVISO Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Hace falta ascentar una comparencia escrita o en persona o con un abogado y entregar a la corte en forma escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se dafiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notificacion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE, SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 0 1 NOTICE The amount of your debt is as stated in the attached document. The name of the creditor to whom the debt is owed is as. named in the attached document. Unless you notify us within 30 days after receipt of this Notice and the attached document that the validity of the stated debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us in writing of a dispute within the 30 day period, we will obtain verification of the debt or a copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an admission of liability on your part. Also, upon your written request within the 30 day period, we will provide you with the name and address of the original creditor if different from the current creditor. If you notify us in writing within the 30 day period as stated above, we will cease collection of your debt, or any disputed portion of it, until we obtain the information that is required and mail it to you. Once we have mailed to you the required information, we will then continue the collection of your debt. This law firm is deemed to be a debt collector and this Notice and the attached document is an attempt to collect a debt, and any information obtained will be used for that purpose. LAW OFFICES OF MARK J. UDREN /s/ Mark J. Udren, Esquire 1040 N. Kings Highway, Suite 500 Cherry Hill, NJ 08034 (856) 482-6900 V V 1. Plaintiff is the Corporation designated as such in the caption on a preceding page. If Plaintiff is an assignee then it is such by virtue of the following recorded assignments: Assignor: Meridian Mortgage Corporation Assignments of Record to: GE Mortgage Services, LLC formerly known as GE Capital Mortgage Services, Inc. Recording Date: 5/5/95 Book: 495 Page: 685 2. Defendant(s) is the individual designated as such on the caption on a preceding page, whose last known address is as set forth in the caption, and unless designated otherwise, is the real owner(s) and mortgagor(s) of the premises being foreclosed. 3. On or about the date appearing on the Mortgage hereinafter described, at the instance and request of Defendant(s), Plaintiff (or its predecessor, hereinafter called Plaintiff) loaned to the Defendant(s) the sum appearing on said Mortgage, which Mortgage was executed and delivered to Plaintiff as security for the indebtedness. Said Mortgage is incorporated herein by reference in accordance with Pa.R.C.P. 1019 (g). The information regarding the Mortgage being foreclosed is as follows: MORTGAGED PREMISES: 499 Newville Road MUNICIPALITY/TOWNSHIP/BOROUGH: Township of Hopewell COUNTY: Cumberland DATE EXECUTED: 8/26/93 DATE RECORDED: 8/31/93 BOOK: 1160 PAGE: 1184 The legal description of the mortgaged premises is attached hereto and made part hereof. 4. Said Mortgage is in default because the required payments have not been made as set forth below, and by its terms, upon breach and failure to cure said breach after notice, all sums secured by said Mortgage, together with other charges authorized by said Mortgage itemized below, shall be immediately due. 0 5. After demand, the Defendant(s) continues to fail or refuses to comply with the terms of the Mortgage as follows: (a) by failing or refusing to pay the installments of 1 R principal and interest when due in the amounts indicated below; (b) by failing or refusing to pay other charges, if any, indicated below. 6. The following amounts are due.on the said Mortgage as of 4/26/03: Principal of debt due $69,669.63 Unpaid Interest at 7.3% from 12/01/02 to 4/26/03 (the per diem interest accruing on this debt is $14.13 and that sum should be added each day after 4/26/03) 2,036.79 Title Report 250.00 Court Costs (anticipated, excluding Sheriff's Sale costs) 280.00 Escrow Overdraft/(Balance) (The monthly escrow on this account is $251.91 and that sum should be added on the first of each month after 4/26/03) (789,81) Late Charges hl (mont yy late charge of $27.22 should be added in accordance with the terms of the note each month after 4/26/03) 81.66 Appraisal/Bpo Fee 300.00 Property Inspection 30.00 Attorneys Fees (anticipated and actual to 5% o£ principal) 3,483.48 TOTAL $75,341.75 7. The attorney's fee 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 in accordance with the reduction provisions of Act 6, if applicable. 8. The combined notice specified by the Pennsylvania Homeowner's Emergency Mortgage Assistance Program, Act 91 of 1983 and Notice of Intention to Foreclose under Act 6 of 1974 has been f sent to each defendant, via certified and regular mail, in accordance with the requirements of those acts, on the date appearing on the copy attached hereto as Exhibit "A", and made part hereof, and defendant (s) have failed to proceed within the time limits, or have been determined ineligible, or Plaintiff has not been notified in a timely manner of Defendant(s) eligibility. WHEREFORE, the Plaintiff demands judgment, in rem, against the Defendant(s) herein in the sum of $75,341.75 plus interest, costs and attorneys fees as more fully set forth in the Complaint, and for foreclosure and sale of the Mortgaged premises. IL, Mar J. Udren, ESQUIRE MARK J. UDREN & ASSOCIATES Attorney for Plaintiff Attorney I.D. No. 04302 0 ALL THAT CERTAIN tract of land with improvements thereon erected situate in the Township of Hopewell, County of Cumberland and State of. Pennsylvania, bounded and described as follows: BPGINNYNG at a point in the middle of a private lane and lands now or formerly of Victor Mowery, which point is 518 feet, more or less, from the center of Pennsylvania Route 641 leading from Newburg to Newville; thence along the middle of the said private lane and lands now or formerly of Dean Cramer, North 38 degrees 30 minutes 50 seconds West 1170.18 feet to an iron pin; thence along the lands now or formerly. of Dean Cramer, North 2 degrees 35 minutes 30 seconds West 304.02 feet to an iron pin; thence along the lands now or formerly of Walter W. Scott and Reba C. Scott, his, wife, North 74 degrees 46 minutes 20; seconds Past 1016.51 feet to an iron pin at the corner of the lands now or formerly of Walter W. Scott and Reba C. Scott, his wife, and Victor Mowery; thence along lands now or formerly of Victor Mowery, South 13 degrees 54' minutes 50 seconds West 735.35 feet to an iron pin; thence along the lands now, or formerly of Victor Mowery, South 22 degrees 34 minutes 50 seconds Past 535.55 feet to an iron pin; thence along the lands of the same, South 43 degrees } 51 minutes 40 seconds West 385.67 feet to the Place of BEGINNING. The said description was made by William A. Brindle Associates, Surveying, dated September 13, 1971. tr P.O. Box 1225 Charlotte, NC 28201-1225 March 10, 2003 0012949269/000651/93GAct91 ROXANNE, S BUMBAUGH 499 NF,WVII.LE RD NEWBURG PA 17240 RE: Wells Fargo Home Mortgage, Inc. Loan Number 0012949269 Mortgagor(s): Mortgaged Premises: Roxanne S. Bumbaugh Jeffrey L. Bumbaugh 499 Newville Rd. Newburg, PA 17240 ACT 91 NOTICE is is an is The name, address and phone number of Consumer Credit (717) 780-1869). able to hely to This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION 1NMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE wage on your home is in default, and the lender 0 EXHIBIT A HOMEOWNER'S NAME(S): Roxanne S. Bumbaugh jeffrcy L. Bumbaugh PROPERTY ADDRESS: 499 Newville Rd. Newburg, PA 17240 LOAN ACCT. NO.: 0012949269 ORIGINAL LENDER: CURRENT LENDER/SERVICER. WELLS FARGO HOME MORTGAGE, INC. HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM Y BE IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL. • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. T P RARY TAY F F E - Under the Act, you are entitled to a temporary stay 0 foreclosure on your mortgage fort 'rty (30) days from the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. MEETING THI MUST OCCUR WITHIN THE NEXT If you meet with one of the consumer credit nse in a encies listed at the en o this notice, the lender may NOT take action against you thirty13( days after the date of this meeting. The names addresses and telephone numbers i r r i lin n is only necessary to schedule one ace-to-face ting. Advise your lender immediate] y o your intentions. -- Your mortgage is in default for the reasons set forth later in this Notice (see o owing pages or specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mort age Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU 1l*S FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. 000551/946 Available funds for emergency mortgage assistance are very limited. They will be disbursed by the-Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES o&LY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Brim it up to date). U, OF THE DEFAULT - - The MORTGAGE debt held by the above lender on your property at: 49 Newville Rd. A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts arc now past due: January 2'603 - March 2003 11 444 n4 F. nF.FAt1i.T - - You may cure the default within THIRTY (30) DAYS of the PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER WHICH NY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME THIRTY (301 DAY PERIOD. Payments must be made either by cash, cashier's or money order made savable an sent to: WELLS FARGO HOME MORTGAGE, INC. 1 HOME CAMPUS X2501-01H DES MOINES, IOWA 50328 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: IF YOU DO NOT CURE THE DEFAULT - - If you do not cure the default within THIRTY (30) DAYS o the ate o this otice, the lender intends to exercise its rights to accelerate the mort age debbt. This means that the entire outstanding. Balance or Erns dent will >-ie considered u.e immediately an you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortm-ed property IF THE MORTGAGE IS FORECLOSED UPON - - The mortgaged property will be sold by the Sheriff to ay o the mortgage debt. tetender re ers your case to its attorneys, but you cure the delinquency bet-re the lender begins legal proceedings against ou you will still be required to pay the reasonable attorney's fees that were actually incurred, up to5016. However, if legal proceedings are started against you, ou will have to pay all reasonable attorney's fees actuallyttncurred by the lender even if they exceed 50.00. Any attorney's fees will be added to the amount you owe the lender which may also include other reasonable costs. If you cure the default within the TRMT'Y t-im nnir rpT;I%A ..^I. OTHER LENDER REMEDIES - - The lender may also sue you personally for the unpaid principal balance an a other sums ue under the mortgage. B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION 000651/936 -If mortgage. Curing your default in the manner set forth in s notice same position as if you had never defaulted. have not cured the default restore your mortgage to F_.ARTIFST POSSIBi.. SHERIFF'S SA DAT' -- It is estimated that the earliest date that such a Sheriff's Sale of the mortggaged property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. Name of Lender: Address: Phone Number: Fax Number: Contact Person: Wells Fargo Home, Mortgage, Inc. 5024 Parkwa Plaza Blvd. Charlotte, 2829.7 1-800-766-0987 704-423-4016 Tanisha Robinson EFFECT OF SHERIFF'S SALE -- You should realize that a Sheriff s Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -- You may or may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED IF YOU CURE THE DEFAULT. (HOWEVER YOU DO NOT HAVE. THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THRE1~'. TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. 0 TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. PROGRAM BLAIR COUNTY Bedford-Fulton Housing Services R.D.#1, Box 384 Everett, PA 15537 (814) 623-9129 FAX# (814) 623-7187 Keystone Economic Development Corp 1954 Mary Grace Lane Johnstown, PA 15901 (814) 535-6556 FAX# (814) 539-1688 CCCS of Western Pennsylvania, Inc. 217 E. Plank Road Altoona, PA 16602 (814) 944-8100 (814) 944-5747 Weatherization Office 917 Mifflin Street Huntingdon, PA 16652 (814) 643-2343 The Pennsylvania Housing Finance Agency can be reached TOLL R EE at 1 (800) 342-2397. P.O. Box 1225 Charlotte, NC 28201-1225 March 10, 2003 0012949269/000652/936AOt91 JEFFREY L BUMBAUGI I 499 NF.WVTII.F RD NEWBURG PA 17240 R& Wells Fargo Home Mortgage, Inc. Loan Number 0012949269 Mortgagor(s): Roxanne S. Bumbaugh Jeffrey L. Bumbaugh Mortgaged Premises: 499 Newville Rd. Newburg, PA 17240 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE a e_on your home is in default. and able to The name, address and phone number of Consumer (717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AQECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. S1 NO COMPRENDE EL CONTENDO DE ESTA NOTI ICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): PROPERTY ADDRESS: LOAN ACCT. NO.: ORIGINAL LENDER: Roxanne S. BumbaWhj fey IB umb=h 499 Newville Rd_ Newburg, PA 17240 0012949269 CURRENT LENDER/SERVICER: WELLS FARGO HOME MORTGAGE, INC. HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM MO TGAOGE AOSSIISSTANCE AOTHE F R 83I(THES "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL. • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. I AMJrSJKAJKT TAY F FOREFwL4 R -- Under the Act, you are entitled to a temporary stay 0 foreclosure on your mortgage or thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MiJST oCCim vvrrunv TWP Nmr If you meet with one of the consumer credit counse in agencies listed at the en o t is notice, t e lender may NOT take action against you for thirty 130) days after the date of this meeting. The names addresses and tele hone numbers ated n r i n r i -,.--ltv in wnjcn toe pr p= te=rq is only necessary to schedule one ace-to-face meeting. Advise your lender immediately o your intentions. -- Your mortgage is in default for the reasons set forth later in this Notice (see following pages or specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mort age Assistance Program. ro do so, you must fill out, sign and file a completed Homeowner's mergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency_ Your application MUST be filed or. postmarked within thirty (30) days of yourace-to-face meeting. YOU MUS FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER FORECLOSURI MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. 000652/936 Q2'1"LM Available funds for emergency, mortgage assistance are very limited. They will be disbursed dl by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUP'T'CY THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES O&LY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Brim it up to date). M OF THE DEFAULT - - The MORTGAGE debt held by the above lender on your property at: 499 Newville Rd. A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the followin amounts are now past due: january_2 03 - March 2003 P1 444 nK - -You may cure the default within THIRTY (30) DAYS of the date o this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER WHICH IS $ 2,518.50 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30DAY PERIOD. Payments must be made either by cash, cashier's check certified check or money order made payable an sen o: WELLS FARGO HOME MORTGAGE, INC. 1 HOME CAMPUS X2501-01H DES MOINES, IOWA 50328 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: IF YOU DO NOT CURE THE DEFAULT - - If you do not cure the default within THIRTY l'30) DAYS o the ate o this once, a lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance. oz t is e t wi be considered due imme iate y an you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON - - The mortgaged property will be sold by the Sheriff to pay o the mortgage cent. tetender re eFs your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against ouu,, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed 50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If vni, cure the rjefa„ttrhp"f"4imT'v /zm r,eL ---:-A OTHER LENDER REMEDIES - - The lender may also sue you personally for the unpaid principal balance and-all other sums ue under the mortgage. B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION 000652/936 - If you have not mortgage. Curing your default in the manner set forth in same position as if you had never defaulted. restore your mortgage to FART. ST POSSIBLE SHERIFF'S SALE. DATF - It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. Name of Lender: Address: Phone Number: Fax Number: Contact Person: Wells Fargo Home, Mortgage, Inc. 5024 Parkway Plaza Blvd. Charlotte, NC 2821.7 1-800-766-0987 704-423-4016 Tanisha Robinson EFFECT F HERIFF' ' ALE -- You should realize that a Sheriff's Sale will end your ownership of the mortgage property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may or may not sell or transfer your home to a buyer or transferee w o wi assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. 0 TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. PROGRAM Bedford-Fulton Housing Services R.D.#1, Box 384 Everett, PA 15537 (814) 623-9129 FAX# (814) 623-7187 CCCS of Western Pennsylvania, inc. 217 E. Plank Road Altoona, PA 16602 (814) 944-8100 (814) 944-5747 Keystone Economic Development Corp 1954 Mary Grace Lane Johnstown, PA 15901 (814) 535-6556 FAX# (814) 539-1688 Weatherization Office 917 Mifflin Street Huntingdon, PA 16652 (814) 643-2343 The Pennsylvania Housing Finance Agency can be reached TOLL FREE at 1 (800) 342-2397. Wells Fargo Home Mortgage, Inc. P.O. Box 1225 Charlotte, NC 28201-1225 March 10, 2003 7100 4047 5100 2244 0328 0012949269/0006531936Act91 ROXANNESBUMBAUGH 499 NEWVILLE RD NEWBURG PA 17240 RE: Wells Fargo Home Mortgage, Inc. Loan Number 0012949269 Mortgagor(s): Roxanne S. Bumbaugh Jeffrey L. Bumbaugh Mortgaged Premises: 499 Newville Rd. Newburg, PA 17240 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE ANCE To see if The name, address and phone number of Consumer Credit :ounty are listed at the end of th;s Nnt;rP Tf w..,, ha-is a" lousing finance Agency toll free at 1 717) 780-1869)_ to nely to This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SU&IA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): Roxanne S. Bumbaugh leffrcy L Bumb h- PROPERTY ADDRESS: 499 Newville Rd_ Newburg, PA 17240 LOAN ACCT. NO.: 0012949269 ORIGINAL LENDER: CURRENT LENDER/SERVICER: WELLS FARGO HOME MORTGAGE, INC. HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL. IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FOR .CLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage or thirty (30) days from the date of this Notice. During that time you must arrange and attend a face-to-face meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR VI T 4M TRF. NR.YT - If you meet with one of the consumer credit counse in a encies listed at the en o this notice, the lender may NOT take action against you for thirty 3( days after the date of this meeting. The names addresses and telephone numbers i n r r i i et-MrTrattheendofth?sNo-g- It is only necessary to schedule one ace-to-face meeting. Advise your lender immediately o your intentions. - Your mortgage is in default for the reasons set forth later in this Notice (see o owing pages or specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the tender, you have the right to apply for financial assistance from the Homeowner's Emergency Mort age Assistance Program. o do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Pro ram Application with one of the designated consumer credit counseling agencies listed at the en of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you m submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of yourace-to-face meeting. YOU MIN FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH. IN THIS LETTER FORECLOSURI; MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. 000653/936 4GLNCY C= - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES OAY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). RE OF THE DEFAULT - - The MORTGAGE debt held by the above lender on your property at: 499 Newville Rd. ecause: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: HOW TO C'I iR F. Tl-(F nFFAI Ii.T - - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $ 2,518.50y PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30DAY PERIOD. Payments must be made either by cash, cashier's check, certified check or money order made savable and sen Fn WELLS FARGO HOME MORTGAGE, INC. 1 HOME CAMPUS X2501-01H DES MOINES, IOWA 50328 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: - - If you do not cure the default within THIRTY (30) DAYS means that the entire outstanding balance of this e t wi a considered due immediate y an Vyou .may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRT 30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose uvon vour mortizmQed nronerty_ IF THE MORTGAGE IS FORECLOSED UPON - - The mortgaged property will be sold by the Sheriff to ay o the mortgage debt. teen err ers your case to its attorneys, but you cure the delinquency- befpore the lender begins legal proceedings against ou you will still be required to pay the reasonable attorney's fees that were actually incurred, up to5010. However, if legal proceedings are started against Irou, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed 50.00. Any attorney's fees will be added to the amount you owe the lender which may also include other reasonable costs. If you cure the default within -theTY (30) DAir period. you OTHER LENDER REMEDIES - - The lender may also sue you personally for the unpaid principal balance an a other sums ue under the mortgage. B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION 000663/936 _ If you have not cured ave begun. you still hav mortgage. Curing your default in the manner set o in this notice will restore your mortgage to same position as if you had never defaulted. FARL.IEST PO SIB .. SHERIFFS SAT F. DATE -- It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. t? notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. Name of Lender: Address: Phone Number: Fax Number: Contact Person: Wells Fargo Home, Mortgage, Inc. 5024 Parkway Plaza Blvd. Charlotte,.NC 2821.7 1-800-766-0987 704-423-4016 Tanisha Robinson EFFECT OF SHERIFF'S SALE -- You should realize that a Sheriff' s• Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE- You may or may not sell or transfer your home to a buyer or trans eree who will assume the mortgage debt, provided that all the outstanding payments, charges and attorneys fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED IF YOU CURE THE DEFAULT. (HOWEVERa YOU DO NOT HAVE THIS RIGHT TO eURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE 'fOU MAY HAVE TO SUCH ACTION BY THE LENDER. 0 TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. PROGRAM Bedford-Fulton Housing Services R.D.#1, Box 384 Everett, PA 15537 (814) 623-9129 FAX# (814) 623-7187 CCCS of Western Pennsylvania, Inc. 217 E. Plank Road Altoona, PA 16602 (814) 944-8100 (814) 944-5747 BLAIR COUNTY Keystone Economic Development Corp 1954 Mary Grace Lane Johnstown, PA 15901 (814) 535-6556 FAX# (814) 539-1688 Weatherization Office 917 Mifflin Street Huntingdon, PA 16652 (814) 643-2343 The Pennsylvania Housing Finance Agency can be reached TOLL FREE at 1 (800) 342-2397. Wells Fargo Home Mortgage, Inc P.O. Box 1225 Charlotte, NC 28201-1225 March 10, 2003 7100 4047 5100 2244 0335 001294926910006541936ACM JEFFREY L BUMBAUGH 499 NEWVILLE RD NEWBURG PA 17240 RE: Wells Fargo Home Mortgage, Inc. Loan Number 0012949269 Mortgagor(s): Roxanne S. Bumbaugh Jeffrey L. Bumbaugh Mortgaged Premises: 499 Newville Rd. Newburg, PA 17240 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE is is an official notice that the mortme on vour home is in def The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM HEMAP can help, you must MEET WITH A The name, address and phone number of Consumer Credit 71 be This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. S1 NO COMPRENDE EL CONTENDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDTTAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): Roxanne S Bumbaugh j ferefr yL. Bu_mba}gh PROPERTY ADDRESS: 499 Newville Rd_ Newburg, PA 17240 LOAN ACCT. NO.: 0012949269 ORIGINAL LENDER: CURRENT LENDER/SERVICER: WELLS FARGO HOME MORTGAGE, INC. HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM. 0 IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL. IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANMA HOUSING FINANCE AGENCY. I tM K Y F L R - Under the Act, you are entitled to a temporary stay 0 foreclosure on your mortgage or thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counselin agencies listed at the end of. this Notice. THIS MEETING Mi TST nrriTR mn r wm i w rmy r VxJ1M-CREj?1T COI El If you meet with one of the consumer credit counse in aggencies listed at the en o this notice, a lender may NOT take action against you for thirty?30) days after the date of this meeting. The names- addrescec and telenhnne n„mhprc meeting. Advise your ._ n is only necessary to schedule one your intentions. -- Your mortgage is in default for the reasons set forth later in this Notice (see following pages or specific information about the nature of your default.) If qqou have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICA!I'ION FOR MORTGAGE ASSISTANCE WILL BE DENIED. 000654/936 Available funds for emergency mortgage assistance are very limited. They will be disbursed y the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES OAV AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Brim it up to date). tE OF THE DEFAULT - - The MORTGAGE debt held by the above lender on your property at: 499_Newville Rd. A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: january 2'603 - March 20!13 s) 494 n4 HOW To CURE T14F - - You may cure the default within THIRTY (30) DAYS of the date o this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER WHICH IS $ 2.518.50, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH RCOME DUE DURING THE THIRTY (301 DAY PERIOD. Payments must be made either by cash, cashier's check, certified check or money order made navable ana si n! WELLS FARGO HOME MORTGAGE, INC. 1 HOME CAMPUS X2501-01H DES MOINES, IOWA 50328 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: - - If you do. not cure the default within THIRTY (30) DAYS means that the entire outstan ing balance ot this debt will be considered due imme ate y an you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortared property IF THE MORTGAGE IS FORECLOSED UPON - - The mortgaged property will be sold by the Sheriff to ay o the mortgage debt. teen er re ers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against ou you will still be required to pay the reasonable attorney's fees that were actually incurred, a to $5010. However, if legal proceedings are started against you, ou wi11 have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed 50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the dpfanlt w;thm the -rwm•rv rem nAV --,:-A -- OTHER LENDER REMEDIES - - The lender may also sue you personally for the unpaid principal balance an a other sums ue under the mortgage. B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION 000684/936 _ If you have not cured the default ave besun. you still have the- ,-;Qhr Mort a e. Curing your e t mi a manner set same position as if you had never defaulted. notice will restore your mortgage to F.ARi.TFST P(?SSTRI F SHFRiFF'S SAi T D XE __ It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE r ENDE - Name of Lender: Address: Phone Number: Fax Number: Contact Person: Wells F o Home, Mortgage, Inc. 5024 Parkway Plaza Blvd. Charlotte, .NC 2821.7 1-800-766-0987 704-423-4016 Tanisha Robinson EFFECT OF SH 1X1FF'S SA E - You should realize that a Sheriff's Sale will end your ownership of the mortgage property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may or a may not sell or transfer your home to uyer or trans eree w o wi assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING rNSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER YOU DO NOT HAVE THIS RIGHT TO URE YOUR DEFAULT MORE THAN THREI~aTIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. 0 TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. PROGRAM BLAIR COUNTY Bedford-Fulton Housing Services R.D.#1, Box 384 Everett, PA 15537 (814) 623-9129 FAX# (814) 623-7187 Keystone Economic Development Corp 1954 Mary Grace Lane Johnstown, PA 15901 (814) 535-6556 FAX# (814) 539-1688 C'C:CS of. Western Pennsylvania, inc. 217 E. Plank Road. Altoona, PA 16602 (814) 944-8100 (814) 944-5747 0 Weatherization Office 917 -Mifflin Street Huntingdon, PA 16652 (814) 643-2343 The Pennsylvania Housing Finance Agency can be reached TOLL FREE at 1 (800) 342-2397. V E R I F I C A T I O N Mark J. Udren, Esquire, hereby states that he is the attorney for the Plaintiff, a corporation unless designated otherwise; that he is-.authorized to take this Verification and does so because of the exigencies regarding this matter, and because Plaintiff must verify much of the information through agents, and because he has personal knowledge of some of the facts averred in the foregoing pleading; and that the statements made in the foregoing pleading are true and correct to the best of his knowledge, information and belief and the source of his information is public records and reports of Plaintiff's agents. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. _L 'K Mark J. Udren, ESQUIRE MARK J. UDREN & ASSOCIATES • R CON c r= _l ?.7 IL CJ 'i -L t SHERIFF'S RETURN - REGULAR CASE NO: 2003-02168 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND GE MORTGAGE SERVICES LLC VS BUMBAUGH ROXANNE S ET AL was served upon says, the within COMPLAINT - MORT FORE the Sheriff or Deputy Sheriff of JODY SM Cumberland County,Pennsylvania, who being duly sworn according to law, ITH at 130 HOURS, on the 8th day of May DEFENDANT BUMBAUGH ROXANNE S 2003 at CUMBERLAND CO SHERIFF'S OFFICE ONE COURTHOUSE S CARLISLE, PA 17013 by handing to ROXANNE BUMBAUGH a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing 18.00 . 00 Service 00 Affidavit . Surcharge 10.00 00 28.00 Sworn and Subscribed to before me this Jlj- day of app, A.D. i ?rot&?ary So Answers: R. Thomas Kline 05/12/2003 MARK UDREN By: (l4 s? ?1 De uty Sheriff w- SHERIFF'S RETURN - REGULAR CASE NO: 2003-02168 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND GE MORTGAGE SERVICES LLC VS BUMBAUGH ROXANNE S ET AL JODY SMITH Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon BUMBAUGH JEFFREY L the DEFENDANT , at 1130:00 HOURS, on the 12th day of May 2003 at CUMBERLAND CO SHERIFF'S OFFICE ONE COURTHOUSE SQ CARLISLE, PA 17013 by handing to JEFFREY L BUMBAUGH a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing 6.00 Service .00 Affidavit .00 Surcharge 10.00 Sworn and Subscribed to before me this /y 1? day of -093 A.D. r thonotary' So Answers: f. R. Thomas Kline 05/12/2003 MARK UDREN By:_ ,jb De uty Sheriff 1 r .a SHERIFF'S RETURN - REGULAR CASE NO: 2003-02169 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CENDANT MORTGAGE CORPORATION VS TURBAN JAMES H DAWN KELL Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE TURBAN JAMES H DEFENDANT was served upon the , at 1920:00 HOURS, on the 8th day of May , 2003 at 1 CEDAR CLIFF DRTVF CAMP HILL, PA 17011 ANTHONY FANTASIA by handing to ADULT IN CHARGE a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 11.04 Affidavit .00 Surcharge 10.00 .00 39.04 Sworn and Subscribed to before me this y? day of 7t as A.D. ? ???? - rothonotary ?- So Answers: a? R. Thomas Kline 05/09/2003 FEDERMAN & PHELAN By 1JCLL>Tri i .F Deputy Sheriff n SHERIFF'S RETURN - REGULAR CASE NO: 2003-02186 p COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND FOB Z LEAH VS SPEICHER DAVID B CPL. MICHAEL BARRICK Sheriff or Deputy Sheriff of Cumberland says Count Y,Pennsylvania, who being duly sworn accordin , the within WRIT OF SUMMONS g to law, SPEICHER DAVID B was served upon DEFENDANT the at 2029:00 HOURS, on the _ da at 113 GEORGE STREET y of May 2003 ENOLA, pA 17025 DAVID SPEICHER by handing to a true and attested copy of WRIT OF SUMMONS together with and at the same time directing His attention to the contents thereof. Sheriff's costs: Docketing Service 18.00 Affidavit 10.35 Surcharge .00 10.00 8 38.5 3 Sworn and Subscribed to before me this /y day of ? 7p A.D. rothonotary So Answers: R• Thomas Kline 05/12/2003 SHOLLENBERGER & J ZZI By: i/k Deputy S eriff Curtis R. Long Prothonotary Office of the Vrotbonotarp Cumberlanb Countp Renee K. Simpson Deputy Prothonotary John E. Slike Solicitor 03 -.2116A CIVIL TERM ORDER OF TERMINATION OF COURT CASES AND NOW THIS 5TH DAY OF NOVEMBER 2007 AFTER MAILING NOTICE OF INTENTION TO PROCEED AND RECEIVING NO RESPONSE - THE ABOVE CASE IS HEREBY TERMINATED WITH PREJUDICE IN ACCORDANCE WITH PA R C P 230.2. BY THE COURT, CURTIS R. LONG PROTHONOTARY One Courthouse Square • Carlisle, Pennsylvania 17013 • (717) 240-6195 • Fax (717) 240-6573