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Home My WebLink About01-04093McCABE, WEISBERG AND CONWAY, P.C. .,, ~ BY: TERRENCE J. McCABE, ESQUIRE Identification Number 16496 *"t`First Union Building 123 South Broad Street, Suite 2080 Philadelphia, Pennsylvania 19109 (215)790-1010 Centex Home Equity Corporation P.O. Box 199111, Mail Stop AK7 Dallas, TX 75219 v. Bart K. Timmerman and Kathy A. Timmerman and UNITED STATES OF AMERICA Attorney for Plaintiff Cumberland County Court of Common Pleas Number a i - yop,3 CIVIL ACTION/MORTGAGEFQRECLOSURE NOTICE AVISO You have been sued in court. If you wish to defend against Le han demandado a asked en la torte. Si asked quiere the claims set forth in the following pages, you must take defenderse de estas demandas ex-puestas en las paginas action within twenty (20) days after this complaint and siguientes, asked time veinte (20) dins de plazo al partir de notice aze served, by entering a written appearance lafechadelademandaylanotificacion. Hacefaltaasentaz personally or by attorney and filing in writing with the una compazencia escrita o en persona o con un abogado y court your defenses or objections to the claims set forth entregaz a la torte en forma escrita sus defensas o sus against you. You aze warned that tt you tail to do so the objeciones a las demandas en contra de su persona. Sea case may proceed without you and a judgment may be avisado que si asked no se defiende, la torte tomara entered againstyou by the court without further notice for medidas y puede continuar ]a demanda en contra suya sin any money claimed in the complaint or for any other claim previo aviso o notification. Ademas, la torte puede or relief requested by the plaintiff. You may lose money or decide a favor dei deuumdante y requiere que asked properly or other rights important to you. cumpla con todas ]as provisiones de esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes para asked. YOU SHOULD TAKE THLS 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 FIIVD OUT WHERE YOU CAN GET HELP. LLEVE ESTA DEMANDA A UN ABOGADO IIVMEDIATAMENTE. SINOTIENEABOGADOOSINO TIENE EL DIIVERO SUFICIENTE DE PAGAR TAL SERVICO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICEQA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Bar Association 2 Liberty Avenue Cazlisle, PA 17013 (717) 249-3166 Cumberland County Baz Association 2 Liberty Avenue Carlisle, PA 17013 (717) 249-3166 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 Centex Home Equity Corporation P.O. Box 199111, Mail Stop AK7 Dallas, TX 75219 v. Bart K. Timmerman 101 N. Second Street Wormleysburg, PA 17043 and Kathy A. Timmerman 101 N. Second Street Wormleysburg, PA 17043 and UNITED STATES OF AMERICA c/o United States Attorney for the Middle District of Pennsylvania 228 Walnut Street P.O. Box 11754 Harrisburg, PA 17108 Attorney for Plaintiff Cumberland County Court of Common Pleas Number o r • yb 93 ~' ~ ~`~""' CIVIL ACTION/MORTGAGE FORECLOSURE 1. Plaintiff is Centex Home Equity Corporation, a corporation duly organized under the laws of Nevada and doing business at the above captioned address. 2. The Defendant is Bart K. Timmerman, who is one of the mortgagors and real owners of the mortgaged property hereinafter described, and his last-known address is 101 N. Second Sheet, Wormleysburg, PA 17043. .~ '~ 3. The Defendant is Kathy A. Timmerman, who is one of the mortgagors and real owners of the mortgaged property hereinafter described, and her last-known address is 101 N. Second Street, Wormleysburg, PA 17043. 4. On 10/ 13/ 00, the Defendant, United States of America, acquired a lien against the premises hereinafter described nt the sum of $399.28, subordinate to the mortgagee hereinafter referred to, by reason of Federal Tax Lien, Number 00-7062, in favor of the United States of America against Bart and Kathy Timmerman, and which is recorded in the Office of the Prothonotary of Cumberland County, Pennsylvania. 5. Notice of this lien was filed on 10/13/00, at the Office of the Prothonotary of Cumberland County, by the ,Internal Revenue Service, Philadelphia, Pennsylvania. A true and correct copy of Notice of Federal Tax Lien is attached hereto and marked as Exhibit "A." 6. By the filing of this action, Plaintiff seeks a judicial sale of the premises hereinafter described. 7. On 10/13/00, the Defendant, United States of America, acquired a lien against the premises hereinafter described in the sum of $5,180.20, subordinate to the mortgagee hereinafter referred to, by reason of Federal Tax Lien, Number 00-7063, in favor of the United States of America against Bart Timmerman, and which is recorded in the Office of the Prothonotary of Cumberland County, Pennsylvania. 8. Notice of this lien was filed on 10/13/00, at the Office of the Prothonotary of Cumberland County, by the ,Internal Revenue Service, Philadelphia, Pennsylvania. A true and correct copy of Notice of Federal Tax Lien is attached hereto and marked as Exhibit "B." 9. By the filing of this action, Plaintiff seeks a judicial sale of the premises hereinafter described. 10. On 1/25/99, mortgagors made, executed and delivered a mortgage upon the premises hereinafter described to Plaintiff which mortgage is recorded in the Office of the Recorder of Cumberland County in Mortgage Book 1517, Page 835. 11. The premises subject to said mortgage is described in the mortgage attached as Exhibit "C" and is known as 101 N. Second Street, Wonnleysburg, PA 17043. 12. The mortgage is in defaultbecause monthly payments of principal and interest upon said mortgage due 9/1/00 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. 13. The following amounts are due on the mortgage: Principal Balance $42,418.51 Interest 8/1/00 through 6/19/01 $ 3,704.43 (Plus $12.73 per diem thereafter) Attorney's Fee $ 2,120.93 Cost of Suit $ 225.00 Appraisal Fee $ 125.00 Title Search 200.00 GRAND TOTAL $48,793.87 14. The attorney's fees set forth above are hi 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. 15. 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 as amended under 12 PA Code Chapter 13, et seq., commonly known as the Combined Notice of Delinquency has been sent to 1 ~ Defendant by certified mail on the date set forth in the true and correct copies of such notices attached hereto as Exhibit "D." WHEREFORE, Plaintiff demands Judgment against the Defendants in the sum of $48,793.87, together with interest at the rate of $12.73 per diem and other costs and charges collectible under the mortgage and for the foreclosure and sale of the mortgage property and that the lien of the United States of America be discharged. TERRENCE J. McCABE, ESQUIRE Attorney for Plaintiff .,.. _ Y 12-07-00 15:43 P Form bb8 (Y)(c) (Rev. August 199?1 ER ABSTRACT pistrict Serial Number PENNSYLVANIA 230065307 As provided by sectiwn 43a1, 6322, and 4323 of the flncernal Revenue Cede, we are gluing a Halite that taxes (Meluding interest and penaltiesD dtave been asseued against the following-earned- taXpayer. iVe Rave made a demand for payment of this liability, bat It remains wnpaid. Therefore, there is a lien in favor of she IJniced States on all prgpe-cy and righCS co property belonging eo this taxpayer for she amoune of abase taxes, and additional pewaleies, ineeresc, and cosu that may accrue. Residence 101 N- 2ND S'I' te70I2MI,E:YSBURG, PA 1'7043-1366 P02/05 ~- °~o~a ~=r~ ~k',l~ /53.5-oS~ IMPORTANT RELEASE INFORMATION: For each assessment listed below, unless notice of the lien is refiled by tf~e date given in column (e), this notice shall, on the day following such date, operate as a certificate of release as defined in iRC 6325(a). Tax Peried Date wf Lase Day for ((and wf Tax IEnd)ng ldentifyhtg A9umYser Assessment Refiliog 1040 ~12/31/1993~ 493-74°k44Y 006 ID=7172433390 999` 07/14/2009 399.28 r Plaee of Filing Title Total ! $ 1 399.2c 'Chit notice was prepared and signed. at .,,._ PITTSBURGH, PA ~6t:P1 s~ m r 6i 3~ the _~~..-day !~* _... .. on try= Signature r.!~ for LOIS DOwD ,,..;-z.~,:;.~„_~,!,,;.,,-._~ tNQTE: Certificate of officer auV~oriz~ Rev. Rul. >7-46fi, 1977 - 2 C.B. 409) ACS 23-01-0000 ~s not Part 2 -Internal Revenue SeMce TDA Copy 499 llepartment of the Treasury • Internal Revenue Service i~otice of Federal Tax Lien Pxat;honotary Cumberland County Carlisle, PA 77013 to the validay of Notiee of Fedoral Tax lien Form 668(Y)(c) (Rev. 8-97) CAT. NO 80025X <; .~:~ ;::~ :~, __ ri ;-~ . 'a c: ; - . `a ,' ~_ - . --- =:, z CBapald Balance wf Assessment 12-07.00 15 43 PREMIER A$STRACT 1D~7172433390 P03l05 499 Department of the Treasury -Internal Revenue Service F°°" 6s6 (r~(`~ Wotice of Federal Tax Lien (Rev. august 199A District ~ Serial Number PENNSYLVANIA -230065308 A% provided bN section b321, 6322, and 6b23 of ehe Incernai Revenue E'E:ode, we are giving a notice that taxes (inclnding incerese and petwlaesp have been assesseA against the following-named taxpayer. We iiava mad° a demand for payment of this liability, but is remains nnpaid. Therefore, tharw is a lien hs favor of the knifed Sf:aces an a(i prbpefty and ztlghts t® prapercy belonging ca this taxpayer for the ainounc of theses waves, and additional penalties, interest, and costs thae may accrue. ftesitlence 101 N 2ND ST' Wp12MLEYS8IJRG, 8A 1.7043-1366 C~ ~' ~53.5"~ IMPCJRTANT i8E&iEASE INFQRMATIONa' For each assessment listed below, unless n°tiee of the lien is re¢ifed by the data given in column leh this Holt°e shall, on the day following suen date, operate as a Cgrii¢ioato of relsate ai defined in IRC 6325(s). Tai Period ff tAate of Lase Ci~yy far i(ind of Test finding 1 idencifytng ~Ilacniaer Acsesstnwnt BefilinQ 1040 9961 493-74-8441 07/14/2pp9 5180.20 place of Filing Protklonatary Total $ Cumberland County 5180.20 Carlisle, PA 17013 'This iiotitb was prepared and signed at .~ P LTTSBURGFT' PA on thin. the 26th day of Septerftbe>: 2000 Signature i for LOTS DOwt~y~'~; f, >+ ~fy y ACS -01-0000 ., (MOTE: Certificate of officer authorized bylaw to-taka acknowledgment is not essential to the vE;isSity gf Notice of Federoi 'ax (ten Rev. Rul, 71.466, 1977 - 2 C.B. 409) Form 66B(T)(G) (Rev, 8-97) part I - itepc By Recording Office CAl'. NO 80025X _; c .. ~. ~ ; ~ t .-, ~ . r}L.. ~a`I ~ i 4 unpaid Balance of Assessment -.--.:~.rvxx ,.,. GREG-FORE~LbStiRE f~j005 "205/2000 7.4::4:8 FAY -- ,.. .. . spygp^, ~• J __ :i~,iv'. '.: .'4J,d t '-~`^ :Y ~Cd4e'"j;'. V~~:~'r~;': ~:' - ih ~.~,~:~y"y"^ • . ~. ..~1.riNi-%+nuH~ .. •..:.:.•. ;.abaMx~'.:,. r-a~"$ti ::'~i': `: 't •:~i.i(r. 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V bnm'Wn G9s 1:• nose n«'er+e= stcsenhed aGwc, rrmle[ m_.;, .d Lr•du . n}• :,«'::r ewerapr m mvYZt I~der's ngEs4 m dsc 14srcu) se ,rmrmuce w.L pra~mpLL >. iL yaencr= piL-)er ad [viMLC iha71 !s x:rspr+bk m V.rAes cd tlall ueWdc a Ya:vWd o,~ngrCe cLc»c I ,: .:: yvr dw fip,5s m Loki rb¢ pvlasm .nd rerrrula l: ].:rdrr rrquur_ IYrmwer slwll p:uuysr;y plve •.: I+•rd. r n`: "'. j'•alr prenusu av[ :eru+YV mrIGV. b me evevl v( lass. lL)rywrt sLLNI aloe Pnsmµ mbu le Ik re,urm'r s arrlr: .Y' I IFn' : .:.:e: mr'ara2c pw:fuY lV.+a L>M made prwr~lly L: nur::~:.~ri. 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R msm:ssat «mr .+ ruh~.- rs:al, rn Lem:'r'a grlpd INrE darcmm4rum. precE40n fa'rrlwc "r d% 00ffY'MY': iWCfcal b r5e'Irlopelny o. vrtmr vurerul Imr•:.;Incln 'rf Uz lien waled by rEls Samjry 1¢r¢ueaem Pr l.eWdef'a xwYlq Llbldl. LPnYI.Yy du11 aW~he W detanlr U Wrtuu'el. 'us:n: .!r. bit +rpluslpm: prawn, P°e nunnvLy fete m vucume iv[vrmasmn ur otaemem~ Iv lavder (v. Agra ro prasdr 1.-vlr: '. u6 acY maael4l Inns:mannal b ci~gLLeNad Wlm me W+:I wkr~sd by de Ndv, sK'1M¢aR. Ew nn IrLLmed u.. lvpr• ::, _:w:ns omr.ICrugg grrrsmrb'. u;z'stplpey o/ me Prsrpctry u u PrltslPU hrssdca:c. V mfr Yrnstfty LremsmYror n m e len>oLAW ere: c«> r: rh>II nvmply with all ma pmrseiass of me lolse Ir tlor rowan arq:ma f.e, doe In dv Plnpem, d¢ Im:aelmld WIr1 rbc fe~ n'I: ¢uull m{ mope spdM I'^.I•. epees m.mv IISelllnl Ise rn nur7; '. Ivatep):.ry of LAYder'a RIYLY In tlb Property. 1(Bvrrvwar fa7s W perbrm sh cbremau mW aylmmeau an::alneJ ur dm Scnrtly WEwmem~ u mere b e kpfl pmf .w¢I: mtl vsay 41gv1fiGasYly aRard laoder'r rreht rv llr Plvpcse)' ...;.Is ..~. a ~uCmlMp Ih LaahvpLL7. Prdum, IW cysdvneubm Vr Ir•f7eW.rP w w wrLaru I.twl m rcgVfaIW61'1. drM Jandel mey rl, al.: IY'Y tm w:rsle4er a Ileceasaty m PNacf me Yeke ssf 7u flvpm'{y vLLd Ieodc.['4 r1t114 VI sie Pmpeny : -vder's aeJum m•y a::IYJr PvYmx avY vums acsvvd by a lies whlrL Ira r•I'aM' vvEr ILIa 4euclry LtlwmvuL appwrfrrg .,. a•:vt, paym6 s~ u,vv6lc uPOmeyv' f00a esw pn{eela M des PIPp.ro' b nuiu rupaln. /rltlls•ugh I~eJer m.y hlrG ¢qum un: t Yl:r psugraV, . I.:vl.r d0o xn Ewe lr do sn. Ny Ymssw NolagvU LY Lmder Wedn Ihlr pars;pydl7 ahE4 nucume rddldval delx ,N &vrra... are urcrl ny Wr> Yo.,yr: r Imbena¢. VNav LOROY'm arsd L4dtt ogee w am:r brsu of psyvmul. Usnc amnueb atoll D¢er mWrral nom U.: Tarr of dLbulwmi u dsp Nvro yu Vht h)sall b pyabb, w'sm umvmL lrynu mom Eum l.aekr b }wllmvar InquMmg Inyns.:u E Hetr~yle Irmurmrm. I( Lev110I IPgWraJ rmrwatl+ Ihaul'ance a e mvdlhoo of mfYL9a Wes Wav avelrsad by WI. Sr• urVy ImrPY:rm. Lnrmwn sheu pay me pnmhsw ruplued W ,maluara mr mprlgage reeYrr+ ~+ m eRrn, If. ten uLY' rc•wn, nl, smttvey~ WYraece rav4a® IaQWR'd LY 1s1IdC1 fprur of shales w b !n sffR1, Pxavwr sEaL Pe• Ilse prermuve n.±•rr+r1 :a sterile mvblaxr mbacwdaLY paul4akm b IIIrt parr!@Le hyrWgp PrnvYwly In sdlKl, al a [nsl :svAYVWahv aqulvalr u w tl••. PM ¢, LYgNUTI el lLv nmttgaga Imsltuwe ymvlamb N vPa6 frWr JI .1b:'r+m mnrlgedc mans yrpu:Ye2 LY ~L r:m-, h IYEyra-enrw- eaurra)em rmrrpapp LLlam'i1sC w,veregn 1; Isof av.WrLle, Aurtuwer rball psy la !coder rack ws.uUs ¢ ruu. ,ryual o. sme.ew-JW of d:z ycerry Owr4pRc lmdsmee pmmmm heYSg p¢q In IY•rnsref wgeu dlu sp..sw:en en..Yagt Iepanl s• L•N 1.. k m ''ffm lw:Nly wall aurys, uses apd wrw. sy,.r, paymrs,y ¢. a Imes sovavc W La pt vpslLaga mm~ency L.... r..srr,r 4rm dnyAYI(4Tmr '«' yw/IAAI Qc', ryrN. hW: U" 1 ~~~ eau.151.7rwe 8J7 0'0 Jr' 1, + ,~fi_., 1'r 'd?(~1;' 1 ... '',hLoL. r..r•. e~ ~i 1F SYa,f,:Y i f 1:. ' ' __ •'Ji ..,_ .y.: ' I: .. ... .K' ' _r , {;q i5!.: - 1'A i , .~ ~ ., .. •e. , , i am s, , ,.j '' A'r '~n,,ai~: ' l.. ic v'Z,..'~.., ' '_lpn r,. xa... ~~. i~~`."4' yi• li .~.. 'erAU€'aahl,,y WAldfPg99l Pwm~n^9~.e.mA rne. ~ a CHEC-FORECLOSIIRE f~J008 12%05/2000 14:51 FA3_ ._._ --- Pl':a aB+'gU> IJ'nl r.t7 :U7 A:7 rUa :F\TEY tl11.FoRU .. .-. NY~r P'0Y eo ~~._r br rcquued, a the opaoP o: Iaalar. u rwrti^apr ms•unrce cavmpe mr dr anumm ai.:' a:r Yrv• perv:A ' moot U.edr'r mpW) Provldea lry M meYn'+app+oved by randerap:c 4cevmc. avadabla am V rbLameA Ir•r-r„'..~: 1b+•1 n+Y .^•a premvrms requued z rrraldLm ®rrp^e mAYaXr •' gran. or U pra.ufn a lara reserve. umd :M ,:+i'."cnv+~ (or ruveyar;r mfu:aaee nee ur arcanewx w1m arty wefoea apmras' Oeweeu ptina.er am: Iseaa. yr eppu~ ~ Yn lsaJv dull re 9.Irrperma. lsedef R m apt owT Oaye re+wtrrEY rsman upon and mrp[aiwa x>0 fi irorrndtt ^ariev a1 me rvae d¢ tam as oe aPaeIYRY rsa~wava Gura rw Us rwyecUae 70. r'wudmumtloo- 1'he promes or ary aaranf m alafm ivr dare y-r. aum or WoseQVwwl. ui a.v,:a~,.mo vide aa> rmd.mrrbn m Nsr rwm6 darq peel d dId Proprny n: !er wmryaM• :r 1ka yr eduemnnadou u< a-:r.':a sargccd are aeW bapaW m ta'mier k 6v wm of a wed Wn8 d ma rraPMr, my pnmrdr dla5 x apduod m m< ara~ .eamd by dua 5a:v: ~:. 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Apy h.rrm r0dl m pAW w 9hoeaAC m me weal er a partial od®5 0(du Ropelry m word mr her ^4:erl .due or mr . per. ;..,r,.el.e.w 6cfott Im Whig d leas m>a me amain yr me auw arawed imaredYmlY xmcc U:.: r.ddg- +:a:.n 4orrow¢ anG1lw'ndc nlmtwye agrcG iv mrrtbtg r wiles eppSGmie law dbar+nfe pravdea, wa preent> al:+u Ix applud m aIa i' R>$O! ~I mla SFVISIy re@rYpCmNh'JTR W D9r m0 semi ^1e IA® ~1a. h n.e )pvperry V aDamivmd kr Iionewar, .oi u. a:ur ontl¢ kY ).o^der 1o Bvrtoryvr ~1, daa ranaddpn even m mane Yr . .Dwwd Rae1dC A ~aa1N for aWwpaa, arORnate la5a m reapooA p'Ladecr wimhi 70 day6 afae eN dam me m4c~ u F'r°erl Ya:ndar ~ apdrr¢6c6 m odrerr sae `7911' rte prvaema ar ib aptloo, adru m ramravon vi rcpdr d me 17dparry w m ew- :um+ an+rrea by INa Sbcalriry 7wmr~e, omeidc W ml mm dde. ilohra l.eadn and Bavarav'oda'1w9r ipdo m aveypag, aqv appuarln^ o[ praxdr b> aha11 ar mr..m m pwiporz me due d.u orrbe mommy payer. r7(mmd m inperagcaphe 1 am z R rdA7p the e^ndm d aocd paymrr.u ' 17. Bd.rdwer Nor RdarkFarLayruw7blaode Noe ^'97a1.~. 8uewren of me Imo for payn.~,u a. m.A1Mem d omotrmaaa d the rood wapre6 h1' dw 3rmlb (u¢r®u¢~pFmed by Im^7er m mp dtcwaear m racrwr of 6nrm.r rha1L Oal arc.da m rctodv the Wedhy M the Rig!7N Ibrtewer u Bmaowq'Y werer.an m lomrcn. lwdar .r,.rr mr u, ragmmd m .. rnhts~! pavwMmg a7a'vdt aeN a~wr ha haaeei or rrdya se rimed uvre rer pgmem a o>arMre maury .rmnrd~rem ar me row aeewad by ads $aNfiry /wtltmmr 4 nano of eery demeY! made M me edged Borrawm or FWrrowar-. arxraomrs 161NrreG !yy farbwarrx by [sear io verdalep ady eigm m'rraar~ ahrU mt s a atrltc d a 9r~~+' ur eM~re6b d ay .~or~~' 3i Slocmm«s and AreW.6o®dl Jnlm wd S.rarW 7.la6~l: Cv~ltl~a-Rho mrmim sad :~Ph•.+r.'nw u( .mu . SaerArY''-~'-- '- emu bind a^d nmah mo mlmamn W mien[ W Larvlm std barwm: Cm)rC1 m rM prwUmaa of ' ]I>a+yY~ f7. 6avower. eovamntr sad a Nay ba fidm sad avavnr. 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'vYC.•: eaiacz h. Stfeiq legrusieea, aed I:.re6y ~a{Yp ise bz.M P aiY prlrepg sir Amlre bwf prevtdmt (nr .ay of eaterlyps. 'esoandrnn of dmir trvrlptlaa ima am<I•uypt: 70VY aqd eUc, u,d IW~rwad ira0tpaw. ~uaNtrss r.ea .wr.a `tell 1110 do ~i517twt A39 ~_...,,.. .. § }`AA€(A III - - - CHEC-EORECL65UR;; @1010 12/05/2000 14:5a FAY ___- _ • - ..~ tiT;~ 3g '. ~ ' ' =~ ' 5-4.: ' , ".i!Y "r`.;:5;': 1 ` ~ .~ .:~ri ,','i. ,, ,`...'.'lad.. rp gti iF.Yn '. rlli'VkD 03/26/6,9 YV? 10:a] 9p3 .05 Xii bV.T ,_-- ib L1V1076 i- xa.xdosa,wpu•rltrFd. Tbrnvc'r man m rdwbw Pr:-•+L--d m 6s~aS+~'~ :b •r..u caved lu unr hour armr v, Or em>s~ml of hiGAab u v s[cnd'a plb u ed>.t uln pmmranm dus Seuavq Lwmnm:. ' ~. Ppdmelfwaf Mor3Waa• V ury of by Oe0l aewp M rnr. Saa.r:ry mr4urc9r a lam m 8arrarrv nr argmre aec w ILe P~stY. WI+Su+++ny bmoms[ ab.v Ee a Pr^~'°'~Y av.r~,ge. K- Imrver! 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Ra[ 7511a A'isa my Laaa dw •~S~` dal 6I ~~ I •'~r ~ ' ' Naa Wlro~wi+ CpIQY~M'BAI.TH OP P47NbYI.VATiN. I 'I/ . ~. ~µ ~I~. Cauoty ul r !' .. an'ILY, me _.~r". day of .., . ~µ,(/,(r(,(,r ~ ~ '~ ' ~ P6 aPa~~ ~ ~!' ~~/ . b,Am er, Ne ru~algatl aPka, , ~ (xit.:-! 1•: - Irrh!)t /n 1 t 4/al r ,~aYN~/ :~ inn t~v ~rLlarJ Imao'n b br (oa rdaficbri~'pbtr~) m h Q.v PoaaY Mb00f aapo. PLim{6id b Yp FllWbtpabiabw abd arbVN'lebQN 0e1 ~d.l>rtA1Q 1~GIa Palpaap tfa,blll600Ylad. ~ ~ JJ ' MY ivrrrvessR P, t hrremmr mn h.m ud imeW bwl. Y (.%_....1 / ~ L ! /'~: r^~-- w ..~A1 bAry Pw.fOH Nro g7oi1j~7f1GT ~'..3i .+~`~~~ Y-4 %% <a'.~ ::.~,is ~»,~ . - -.~a~ ~2 ~5~2000 19::5a FAY CHFG'-FORECLOSURE (~j011 - f A .:fir ,: ..: i'3f. .: :; ~:7jt1~G.`:" T <.Jl,, an. .. r....a, .. Yafi1~+^ ~-.»'J~Sri}~::jnrM1. .. 'y b i. ~,~k ~i; R- F'., QOnp~•pga 71tlp mt: ance Cenlpany PROPERTY ^E SCRIPTION Le9a1 deapnpliwr :n :he lend: ALL TFIAT CEr*TAtN Mep er Mreet d' lantl aauete :n ;n1. 8uauvh ar Wprmleyeburq, Count' or CmnbMMd ene Commfa*wealtlr to PenrtsYManla more pemeuPanY dmaalMd N setnrdance wrn a errsey mWe br M'khaal~G. D'Angetd. Req,eterod a~rt+evor, d&led Janwry 9, 1978. p rdlwve, lp wrt BE6WNIND o: a pu'mt el efe rrontnresl comer pl the ~nmmrarpn M Secend and~Cnsmul Streeb, ltMnpe elenq fho yaefe~ly Ihll Cl Cr1a61nU1 Speef. Nery, iwertly-pnr deBllaa eeVarlben m~nln65 kern semnde West, Twemmyy-liuefeet(N 21 daDbea 17~ nd~ ,v. Y5'J ro en wet N mnvale ane at mo epMiQnp prle beewopn.Fwre>fa deeelhed properly and the pmPerty known u 107 5gmrrtl"Streak therKa/ eloflq the dhAdky IYq heoeeen sa~tl popenles and mreugh pn CMtM CT PdrpNrnea was and neyard, Nona s,xir•ebM tleprvea lorry-mree mmulee zero aewnda FesL dtie hur4red Tmy feet (N 8e dpypea AT d0' E , T5tl) b hupeJmp Ibe weatem bnr of R~+er Adlay; lfnnw ebnp qlo weelem 7lne d Rrer /tlley. 5ourn eaen{yorq depmes nerenlxn mmutoa zero seconds FJft. Twenry1y•frve teal i5 Z1 depreM 7>' ,7J' E,. 2b7 b ~ IfpY: Inencewnq VIC northern Ilse W Gheetrrul'treel SOUK aertywlyht 0eyr.•ns IdryyHp !ldr111Re t=m eemnes ~^:cs: One hundrod IIRy Teel (S EB depr•.es a7• dd' W., 1 W) W a aOhrt.IM galls dI.6EGINNING ' BElND Lot No .+< pn Plan p V.N. Berghaua. recerden ,n Cerq~6ook'L'. Volume ~. Page t, In'Tne Crunberlend Cv~nty RscarderY CdPue. 9EfNO1M1Mmb Merebee Nfllpt PAUL G MCMANU[t +. Sfi., wlae.rar, ppt'y deed defen September 3tl, tp6B Intl rerorrmd NdMmbM 1, 1989 m the OM,ea n' ihn Recorder pl,Deeda In end for Cudbstlend County In Geed Buck O; Papa 318. granlun and cpnwyed upw PAUL OAVr0 4CIMNUFI6; JR ,the Oremur herwln UNDER ANO 5UtlJECT, rrYeNheha6, ro re9lnCeans, easemenq, ngnfs r# way and rAvanante or eared, RTA Ebetrtenree PeapwY pYNWSe) e(~ ~I~ ~ •d nln ~ ~.. . . .~~~~" Bda1,`117rara( tB91 Ilddastuvlm ~1°..._, ... ..,., a -... .. _... .xi- .. , ..,... ~.......~~.. i ~ ^,~ Ip .TY ~; i .:fit. nC- n. .wttw• „'".r ~. ~1rW -,.mss -.-.. December 20, 2000 Bart K. Timmerman 101 N. 2nd Street Wormleysburg, PA 17043 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mort ag~*e on Your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAPI maybe able to help to save home. This Notice explains how the nroeram works. To see if HEMAP cair he1P,.you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE RECEIPT OF THIS NOTICE. Take this Notice with you when you meet with the Counseline AeencK The name, address and phone number of Consumer Credit Counseling Agencies servin~your County are listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housin¢ Finance Agency toll free at 1-800-342-2397 (Persons with impaired hearing can call (717) 780-1869. This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency maybe able to help explain it. You may also want to contact an attorney in your area. The local bar association maybe able to help you find a lawyer. LA NOTIFICACIO EN ADJUNTO ES DE SUMA IMPORTANCIA, PUSS AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASE. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION IMMEDIATAMENTE LLAMANDA ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMBED MENCIONADO ARRIBA. PUEDE~S S~ER ELEGIBLE PARR UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S E~~1'~/~'T~ ~' GE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU C ~ r~7/ DE~, O A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): Bart K. Tinnnerman PROPERTY ADDRESS: 101 N. 2nd Street Wormle she. PA 17043 LOAN ACCOUNT NUMBER: 245101076 ORIGINAL LENDER: Centex Home Equity Comoration ,, .~.~ . CURRENT LENDER/SERVICER: Centex Home Egttity Corporation HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAYBE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: - IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, - IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND - IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHEDBYTHEPENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE--Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the receipt of this Notice. During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE (301 DAYS OF RECEIPT OF THIS NOTICE. IF YOU DONOTAPPLYFOREMERGENCYMORTGAGEASSISTANCE YOU MUSTBRINGYOURMORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT " EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES--If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the pronerty is located are set forth at the end of this Notice It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE--Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have the applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION--Available fiords 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. Daring that time, no foreclostue proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OF THE DEFAULT--The MORTGAGE debt held by the above lender on your property located at 101 N 2nd Street Wonnleysbwg, PA 17043 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY PAYMENTS for the following months and the following amounts ue now past due: anoroximately $400.68 for the months of September 2000 through December 2000 Other TOTAL AMOUNT PAST DUE: 2 259.37 HOW TO CURE THE DEFAULT--You may cure this default within THIRTY (30) DAYS of the receipt of this Notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS 2 259.37 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check, certified check or monetiorder made payable acid sent to: Kim Campbell Centex Home Equity Corporation P.O. Box 199111 Mail Stop AK7 Dallas, TX 75219 IF YOU DO NOT CURE THE DEFAULT--Ifyou do not cure the default within THIRTY (30) DAYS of the receipt of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS OF RECEIPT OF THIS NOTICE, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged propertK IF THE MORTGAGE IS FORECLOSED UPON--The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incuned 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. Ifyou cure the default within THIRTY (30) DAYS OF RECEIPT OF THIS NOTICE you will not be required to pay attorney's fees. ,~ OTI3ER LENDER REMEDIES--The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE--If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default acid prevent the sale at a~ time up to one hour before the Sheriff s Sale. You may do so by pale the total amount then past due phis any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performine an other requirements under the morteaae. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE--It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately five months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Narne of Lender: Centex Home Equity Corporation Address: P.O. Box 199111 Mail Stop AK7, Dallas, TX 75219 Phone Number: 1-214-756-2136, Ext. Fax Nmnber: 1-214-756-2055 Contact Person: Kim Campbell 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 fiirnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE--You mayor X may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: - TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. - TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) - TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. - TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. - TO SEEI{PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. ,. FO>~ CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY, PLEASE SEE THE ATTACHED LIST. NOTE: Unless you notify this office within thirty (30) days after receiving this notice, that you dispute the validity of this debtor any portion thereof, this office will assume that the debt is valid. Ifyou notify this office in writing within thirty (30) days from receiving this notice, this office will: obtain verification of the debt or obtain a copy of judgment and mail you a copy of such judgment or verification. You are also advised that any information which you supply to this office maybe used by us in the collection of the debt. If you request this ofFice in writing within thirty (30} days after receiving this, this office wil[ provide you with the name and address of the original creditor. Although we have requested that you make payment or provide a valid reason for nonpayment, you still have the right to make a written request, within thia•ty days of your receipt of this notice, for more information about the debt. Your rights are described further, hereinafter. THE PURPOSE OF THIS COMMUNICATION IS TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THIS PURPOSE. SENT VIA REGULAR MAIL AND CERTIFIED MAIL NUMBER 7099 3400 0014 2626 1976 RET[JRN RECEIPT REQUESTED Enclosure: Validation of Debt Notice ~, Validation of Debt Notice Pursuant to the Fair Debt Collection Practice Act (FDCPA)(15 USC 1692), a consumer debtor is required to be sent the following notice: (1) unless the consumer, within thirty (30) days after receipt of this notice, disputes the validity of the debt or any portion thereof, the debt will be assumed to be valid by the debt collector, (2) if the consumer notifies the debt collector in writing within the thirty day period that the debt or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a Judgment against the consumer and copy of such verification or Judgment will be mailed to the consumer by the debt collector, and (3) upon the consumer s written request within the thirty (30) day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Oar demand t'or immediate payment does not eliminate your right to dispute this debt within thirty days of receipt of this notice. It'you choose to do so, we are required by law to cease our collection efforts until we have mailed that information to you. Although we have requested that you make payment or provide a valid reason f'or nonpayment, you still have the right to make a written request, within thirty days of your receipt of this notice, t'or more information about the debt. Your rights are described further, hereinafter. The law office of McCABE, WEISBERG AND CONWAY, P.C. is acting as a debt collector, pursuant to the FDCPA. THIS NOTICE AND LETTER ARE AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. The Federal Trade Commission has ruled that The FDCPA does not preclude the institution of legal action prior to the expiration of the thirty day period. Acceptance of funds and reinstatement of the mortgage are both subject to verification by my client. Please note that I may be instructed to proceed with foreclosure and fees, costs and/or advances by the mortgagee may be due in addition to the sum quoted above. Please further note that any funds tendered will be subject to verification and correctness before the matter is concluded. Please feel free to contact this office upon receipt of this notice should you have any questions or concerns. Date: December 20, 2000 ~~ ~ ~ ~. Terrence .'McCabe, Esquire McCabe, Weisberg, & Conway, P.C. First Union Building 123 South Broad Street Suite 2080 Pfiiladelphia, PA 19109 ~:. ... _ ... PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM 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 Urban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, Pa 17101 (717) 234-5925 FAX # (717) 232-4985 YWCA of Carlisle 301 G Street Carlisle, Pa 17013 (717) 243-3818 FAX # (717) 243-3948 ' . May 7, 2001 Kathy A. Timmerman 101 N. 2nd Street Womleysburg, PA 17043 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROlO~I FORECLOSURE This is an official notice that the wort ag_pe on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP maybe able to help to save home. This Notice explains how the program works. To see if HEMAP can helpyou must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE RECEIPT OF THIS NOTICE. Take this Notice with you when you meet with the Counseling; AQencX The name, address and rohone number of Consumer Credit Counseling A¢encies servingyouur County are listed at the end of this Notice. If you have anv aues6ons, you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397 (Persons with impaired hearing can call (7171780-1869. This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency maybe able to help explain it. You may also want to contact an attorney in your area. The local bar association maybe able to help you fmd a lawyer. LA NOTIFICACIO EN ADJUNTO ES DE SUMA IMPORTANCIA, PUSS AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASE. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION IMMEDIATAMENTE LLAMANDA ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARR 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): Bart K. Timmerman & Kathy A. Timmerman PROPERTY ADDRESS: 101 N. 2nd Street Wormleysburg, PA 17043 LOAN ACCOUNT NUMBER: 245101076 ORIGINAL LENDER: Centex Home Eauit~rooration CURRENT LENDER/SERVICER: Centex Home Equit,~rporation HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAYBE 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 ELIGIBILITYREQUlI2EMENTS ESTABLISHED BY THEPENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE--Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT 301 DAYS OF RECEIPT OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE. YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HO W TO CURE YOUR MORTGAGE DEFAULT." EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES--If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE--Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). If you have tried and are unable to resolve this problem-with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency 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 the applications for the program and they will assist you in submitting a complete application to the PennsylvaniaHousing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION--Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you ifyou 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: 1F YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (Ifyou have filed bankruptcy you can still apply for Emergency Mortgage HOW TO CURE YOUR MORTGAGE DEFAULT (Brinnp it up to datel. NATURE OF THE DEFAULT--The MORTGAGE debt held by the above lender on your property located at 101 N. 2nd Street Wormleysburg, PA 17043 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY PAYMENTS for the following months and the following amounts are now past due: apnroximately $400.68 for the months of September 2000 through Maw Other TOTAL AMOUNT PAST DUE: 3 606.12 HOW TO CURE THE DEFAULT--You may cure this default within THIRTY (30) DAYS of the receipt of this Notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS 3 606.12 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (3 0) DAY PERIOD. Payments must be made either by cash, cashier's check, certified check or monev order made navable and sent to: Kim Campbell Centex Home Equity Corporation P.O. Box 199111 Mail Stop AK7 Dallas, TX 75219 1F YOU DO NOT CURE THE DEFAULT--Ifyou do not cure the default within THIRTY (30) DAYS of the receipt of this Notice, the lender intends to exercise its riehts to accelerate the mortgage debt This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortg~ed property IF THE MORTGAGE IS FORECLOSED UPON--The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable 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. Ifyou cure the default within the THIRTY (301 DAY OF RECEIPT OF THIS NOTICE you will not be required to pay attorney's fees. OTHER LENDERREMEDIES--The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. , , RT(}HT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE--If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff s S ale. You may do so by paving the total amount then past due,_plus any late or other chaz€~es then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing an other re uirements under the mort a e. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE--It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately five months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER. Name of Lender: Centex Home Equity Comoration Address: P.O. Box 199111 Mail Ston AK7. Dallas. TX 75219 Phone Number: 1-214-756-2136. Ext. Fax Number: 1-214-756-2055 Contact Person: Kimbell EFFECT OF SHERIFF'S SALE--You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE--You may or X may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, chazges 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. - TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. FOR CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY, PLEASE SEE THE ATTACHED LIST. . . NOTE: Unless you notify this office within thirty (30) days after receiving this notice, that you dispute the validity of this debt or any portion thereof, this office will assume that the debt is valid. If you notify this office in writing within thirty (30) days from receiving this notice, this office will: obtain verification of the debt or obtain a copy of judgment and mail you a copy of such judgment or verification. You are also advised that any information which you supply to this office may be used by us in the collection of the debt. If you request this office in writing within thirty (30) days after receiving this, this office will provide you with the name and address of the original creditor. Although we have requested that you make payment or provide a valid reason for nonpayment, you still have the right to make a written request, within thirty days of your receipt of this notice, for more information about the debt. Your rights are described further, hereinafter. THE PURPOSE OF THIS COMMUNICATION IS TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THIS PURPOSE. SENT VIA REGULAR MAiL AND CERTIFIED MAIL NUMBER 7000 1670 0002 4770 8034 RETURN RECEIPT REQUESTED Enclosure: Validation of Debt Notice ,. `. Validation of Debt Notice Pursuant to the Fair Debt Collection Practice Act (FDCPA)(15 USC 1692), a consumer debtor is required to be sent the following notice: (1) unless the consumer, within thirty (30) days after receipt of this notice, disputes the validity of the debt or any portion thereof, the debt will be assumed to be valid by the debt collector, (2) if the consumer notifies the debt collector in writing within the thirty day period that the debt or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a Judgment against the consumer and copy of such verification or Judgment will be mailed to the consumer by the debt collector, and (3) upon the consumer's written request within the thirty (30) day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Our demand for immediate payment does not eliminate your right to dispute this debt within thirty days of receipt of this notice. If you choose to do so, we are required by law to cease our collection efforts until we have mailed that information to you. Although we have requested that you make payment or provide a valid reason for nonpayment, you still have the right to make a written request, within thirty days of your receipt of this notice, for more information about the debt. Your rights are described further, hereinafter. The law office of McCABE, WEISBERG AND CONWAY, P.C. is acting as a debt collector, pursuant to the FDCPA. THIS NOTICE AND LETTER ARE AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. The Federal Trade Commission has ruled that The FDCPA does not preclude the institution of legal action prior to the expiration of the thirty day period. Acceptance of funds and reinstatement of the mortgage are both subject to verification by my client. Please note that I may be instructed to proceed with foreclosure and fees, costs and/or advances by the mortgagee may be due in addition to the sum quoted above. Please further note that any funds tendered will be subject to verification and correctness before the matter is concluded. Please feel free to contact this office upon receipt of this notice should you have any questions or concerns. Date: May 7, 2001 ~~ ~ ~ A ~ ~ /~ Terrence McCabe, Esquire McCabe, Weisberg, & Conway, P.C. First Union Building 123 South Broad Street Suite 2080 Philadelphia, PA 19109 r PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM 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 Urban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, Pa 17101 (717) 234-5925 FAX # (717) 232-4985 YWCA of Carlisle 301 G Street Carlisle, Pa 17013 (717) 243-3818 FAX # (717) 243-3948 ,~~~ .,.~ w The undersigned, TERRENCE J. McCABE, ESQUIRE, hereby certifies that he is the attorney for the Plaintiff in the within action and that he is authorized to make this verification and that the foregoing facts are true and correct to the best of his knowledge, information and belief and further states that false statements herein are made subject to the penalties of 18 PA.C.S. Section 4909 relating to unsworn falsification to authorities. .. ~c.~ TERRENCE J. Mc ABE, ESQUIRE ~ '`g ~o, ~ ~ ~ ~ ^( ~ _ ~~'~~ '~ ~ ~ r VJ O ~ r? //~~ .' - .. ;, . r 4q~4q y J ~~ .S ~~ •~` u ~1 ~', 7 _.~ ;, C7 • 3>; ~ ii :"~ ~e . SHERIFF'S RETURN - NOT FOUND '~` CASE N0: 2001-04093 P L'~MMONWEALTH OF PENNSYLVANIA ~OUNTY OF CUMBERLAND CENTEX HOME EQUITY CORPORATION VS TIMMERMAN BART K 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 TIMMERMAN BART K but was unable to locate Him in his bailiwick COMPLAINT - MORT FORE , He therefore returns the NOT FOUND as to the within named DEFENDANT TIMMERMAN BART K Sheriff's Costs: So answ ~~,~~-'/ ~~~->--~""` Docketing 18.00 Service 20.80 _ Not Found 5.00 R Thomas Kline Surcharge 10.00 Sheriff of Cumberland County .00 53.80 MCCABE WEISBERG & CONWAY 07/27/2001 Sworn and subscribed to before me this ~ ~ day of ~~,,o~l~y o2d.~ / A , D . `~~ R.Q Pro h notary SHERIFF'S RETURN - OUT OF COUNTY s CASE NO: 2001-04093 P COMMONWEALTH OF PENNSYLVANIA: C'~UNTY OF CUMBERLAND CENTEX HOME EQUITY CORPORATION VS TIMMERMAN BART K 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: UNITED STATES OF AMERICA but was unable to locate Them in his bailiwick. He therefore deputized the sheriff of DAUPHIN County, Pennsylvania, to serve the within COMPLAINT - MORT FORE On July 27th 2001 this office was in receipt of the attached return from DAUPHIN Sheriff's Costs: So answ .~ ,.~'' ~~ Docketing 6.00 ~/ / - %r -:.~-~ Out of County 9.00 ~.,G~-'r Surcharge 10.00 R. Thomas Kline Dep Dauphin Co 25.50 Sheriff of Cumberland County nn J V . J V 07/27/2001 MCCABE WEISBERG & CONWAY Sworn and subscribed to before me this ~'a" day of ~.y-o ( AA . D~. ~~ Protho SHERIFF'S RETURN - REGULAR CASE NO: 2001-04093 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CENTEX HOME EQUITY CORPORATION VS TIMMERMAN BART K ET AL ROBERT FINK Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE TIMMERMAN KATHY A was served upon DEFENDANT the at 1945:00 HOURS, on the 10th day of July 2001 at 101 N SECOND ST WORMLEYSBURG, PA 17043 KATHY TIMMERMAN by handing to a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriffs Costs: Docketing 6.00 Service .00 Affidavit .00 Surcharge 10.00 .00 16.00 Sworn and Subscribed to before me this ~ ~' day of a-oo/ A.D. r thonotary So Answers: ~~~~ R. Thomas Kline 07/27/2001 MCCABE WEISBERG & CONWAY By: ~ epu y Sheriff ' ~~.~i~c~e ~~ ~~ o~~Pxtff Mary Jane Snyder Real Estate DepuTy William T. Tully Solicitor J. Daniel Basile Chief Deputy Michael W. Rinehart Assistard Chief Deputy Dauphin County Harrisburg, Pennsylvania 17101 ph: (717)255-2660 fax: (717)255-2889 Jack Lotwick Sheriff COri1ItlORWC81th Of PQDrtS)'IV1I11A CENTER HOME EQUITY CORPORATION vs COUi1ly Of D$Uph1I1 UNITED STATES OF AMERICA Sheriff's Return No. 1836-T - - -2001 OTHER COUNTY N0. 01-4093 AND NOW: July 9, 2001 at 4:24PM served the within NOTICE & COMPLAINT IN MORT FORECLOSURE upon UNITED STATES OF AMERICA by personally handing to PATRICIA WISCOUNT, RECEPTIONIST 1 true attested copy(ies) of the original NOTICE & COMPLAINT IN MORT FORECLOSURE and making known to him/her the contents thereof at FEDERAL, BUILDING 228 WALNUT ST. HBG, PA, 17108-0000 Sworn and subscribed to So Answers, before me this 10TH day of JULY, 2001 Q,~~l/~~ /J" ~~CC ' She f of Daup in ounty, Pa. ~~ r PROTHONOTARY By ,;~ _ De Sheriff Sheriff's Costs: $25.50 PD 07/06/2001 RCPT NO 151705 CANTREL In The Conrt of Coen on Pleas of Cun-erland County, Pennsylvania Centex Hane Equity Corporation VS. Bart K. Timmerman et al SERVE: United States of America No. O1 4093 civil NOW, July 3, 2001 I, SHERIFF OF CUMBERLAND COUNTY, PA, do hereby deputize the Sheriff of Dauphin County to execute this Writ, this deputation being made at the request and risk of the Plaintiff. ,~' ~ ~,~r~ Sheriff of Cumherland County, PA Affidavit of Service Now, within upon at 20 , at o'clock M. served the by handing to a copy of the original and made known to So answers, Sheriff of COSTS Sworn artd subscribed before SERVICE _ me this ~ day of , 20 MILEAGE _ AFFIDAVIT the contents thereof. County, PA 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 Centex Home Equity Corporation P.O. Box 199111, Mail Stop AK7 Dallas, TX 75219 v. Bart K. Timmerman and Kathy A. Timmerman and UNITED,STATES OF AMERICA Attorney for Plaintiff Cumberland County Court of Common Pleas Number Q ~ ~- °ydQ3 ei U 6 ~ !£!~) CIVIL ACTION/MORTGAGE FORECLOSURE NOTICE AVISO You have been sued in court. Ifyou wish to defend against Le han demandado a usted en la torte. Si usted quiere the claims set forth in the following pages, you must take defendexse de estas demandas ex-puestas en las paginas action within twenty (20) days after this complaint and siguientes, usted tiene veinte (20) digs de plazo al partir de notice ate served, by entering a written appearance lafechadelademandaylanotificacion. Hacefaltaasentaz personaAy or by attorney and filing in writing with the una comparencia escrita o en persona o con un abogado y court your defenses or objections to the claims set forth enttegaz a la torte en forma escrita sus defensas o sus against you. You aze warned that if you fail to do so the objeciones a las demandas en contra de su persona. Sea case may proceed without you and a judgment may be avisado que si usted no se defiende, la torte tomara entered againstyou by the court without further notice for medidas y puede continuar la demanda en contra suya sin any money claimed in the complaint or for any other claim previo aviso o notification. Ademas, la torte puede or reliefrequestedbytheplaintiff. You maylosemoneyor decide a favor del demandante y requiere que usted property or other rights important to you. cumpla con todas las provisiones de esta demanda. Usted puede perder dinero o sus propiedades u ottos derechos importantes paza usted. YOU SHOULD TAKE THLS 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. LLEVE ESTA DEMANDA A UN ABOGADO IlVMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICIlVA CUYA DII2ECCION SE ENCUENTRA ESCRTTA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (717) 249-3166 Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (717)249-3166 McCABE, WEISBERG AND CONWAY, P.C. BY: TERRENCE J. McCABE, ESQUIRE Attorney for Plaintiff Identification Number 16496 First Union Building 123 South Broad Street, Suite 2080 Philadelphia, Pennsylvania 19109 (215) 790-1010 Centex Home Equity Corporation Cumberland County P.O. Box 199111, Mail Stop AK7 Court of Common Pleas Dallas, TX 75219 v. Bart K. Timmerman 101 N. Second Street Wormleysburg, PA 17043 and Kathy A. Timmerman 101 N. Second Street Wormleysburg, PA 17043 and UNITED STATES OF AMERICA c/o United States Attorney for the Middle District of Pennsylvania 228 Walnut Street P.O. Box 11754 Number Harrisburg, PA 17108 CIVIL ACTION/MORTGAGEFQRECLOSURE 1. Plaintiff is Centex Home Equity Corporation, a corporation duly organized under the laws of Nevada and doing business at the above captioned address. 2. The Defendantis BartK. Timmerman, who is one of the mortgagors and real owners of the mortgaged property hereinafter described, and his last-known address is 101 N. Second Street, Wormleysburg, PA 17043. ,. 3. The Defendant is Kathy A. Timmerman, who is one of the mortgagors and real owners of the mortgaged property hereinafter described, and her last-known address is 101 N. Second Street, Wormleysburg, PA 17043. 4. On 10/13/00, the Defendant, United States of America, acquired a lien against the premises hereinafter described in the sum of $399.28, subordinate to the mortgagee hereinafter referred to, by reason of Federal Tax Lien, Number 00-7062, in favor of the United States of America against Bart and Kathy Timmerman, and which is recorded in the Office of the Prothonotary of Cumberland County, Pennsylvania. 5. Notice of this lien was filed on 10/13/00, at the Office of the Prothonotary of Cumberland County, by the ,Internal Revenue Service, Philadelphia, Pennsylvania. A true and correct copy of Notice of Federal Tax Lien is attached hereto and marked as Exhibit "A." 6. By the filing of this action, Plaintiff seeks a judicial sale of the premises hereinafter described. 7. On 10/13/ 00, the Defendant, United States of America, acquired a lien against the premises hereinafter described in the sum of $5,180.20, subordinate to the mortgagee hereinafter referred to, by reason of Federal Tax Lien, Number 00-7063, in favor of the United States of America against Bart Timmerman, and which is recorded in the Office of the Prothonotary of Cumberland County, Pennsylvania. 8. Notice of this lien was filed on 10/13/00, at the Office of the Prothonotary of Cumberland County, by the ,Internal Revenue Service, Philadelphia, Pennsylvania. A true and correct copy of Notice of Federal Tax Lien is attached hereto and marked as Exhibit "B." 9. By the filing of this action, Plaintiff seeks a judicial sale of the premises hereinafter described. 10. On 1/25/99, mortgagors made, executed and delivered a mortgage upon the premises hereinafter described to Plaintiff which mortgage is recorded in the Office of the Recorder of Cumberland County in Mortgage Book 1517, Page 835. 11. The premises subject to said mortgage is described in the mortgage attached as Exhibit "C" and is known as 101 N. Second Sheet, Wormleysburg, PA 17043. 12. The mortgage is indefaultbecausemonthlypaymentsofprincipalandinterestupon said mortgage due 9/ 1 / 00 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. 13. The following amounts are due on the mortgage: Principal Balance $42,418.51 Interest 8/1/00 through 6/19/01 $ 3,704.43 (Plus $12.73 per diem thereafter) Attorney's Fee $ 2,120.93 Cost of Suit $ 225.00 Appraisal Fee $ 125.00 Title Search 200.00 GRAND TOTAL $48,793.87 14. 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. 15. 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 as amended under 12 PA Code Chapter 13, et seq., commonly known as the Combined Notice of Delinquency 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 "D." WHEREFORE, Plaintiff demands Judgment against the Defendants in the sum of $45,793.87, together with interest at the rate of $12.73 per diem and other costs and charges collectible under the mortgage and for the foreclosure and sale of the mortgage property and that the lien of the United States of America be discharged. TERRENCE J. McCABE, ESQUIRE Attorney for Plaintiff 12-07-09 15:43 PREMIER ABSTRACT 499 IFortn db8 (Y)(c) 1Rev, qugusr t s9?I ID=7172433390 P02/05 Department of the Treasury • Internal Revenue Service Notice of Federal Tax Lied plStrlCt Serial Number ~ For Optional Vse by Recording Offii • PENNSYLVANIA 230065307 Ac provided by section 6321, 4322, and 4323 of the tncernal Revenue ~ - ~~~°L j' 7~L 1Code, we are giving a notice that saxes (inelttding interest and penalties) e~~ /S.3.Sps~ have been assessed against she following-named taxpayer. We Nava made a demand far payment of skis liability, bue it remains unpaid. Therefore, ~ ~ /l~aZ 4~~ there is a lien in favor of the tiniced States on all property and rights cis property belonging to this taxpayer for the amount of these taxes, and ~ = additional penaleies, interest, and cosy that tray accrue. ~'` ~~ Name of Taxpayer BART & KATHY 7.`IMMERMAN 1-;;~~~'~~ .~ ' :%'.: .-. .. _ t _ . , Residence 101 N 2ND ST ~''t~~~' -e -~ 's... WORMLEYSBURG, PA ].7043-1366 '~`• IMPORTAYIT RELEASE lA1FORMATION: For each assessment listed below, "~ __ '-'i unless notice of the lien is mfiled by the date given in column (e}, this notioe shall, ~ '~ on the day following such date, operate as a certificate of release as defined in IRC 6325(a}- ~ - Kind of Yax 4...._-.~...... Tax Period Endiasg (b Adentifyilsg t,9unatler .,...~ f9ate of Assessment (-...mod ,.... Last Day for Ylnpaid Balance ___.. Reft(ing of Assessment e f? S 104A ].2/31/1993 498-74^8441 06/14/1989 07/14/2009 ~ 399.28 Place O1 Fifing Fxotklonotary Cumberland County Carlisle, PA 77013 Total I $ 399.2b 'this no'tiae was prepared and signed at T_, FITTSBURGH, PA t r ' ~ ~ ~3' t:he.~4_26t:k1 day t~t~Se ~ rr. r ,~ .. 3 -a.-..r-........_ _ Signature ~!'~. ! Title for LOTS DowD;~.;-..~.:,,~~._,i.;,~.,.,-_ I __ ~~ i;FfOTE: Cenificetc of officer authorized ~5y lsw to take Rev. Rul. 7t-466, 1971 - 2 C.B. 409} ACS 23-01-0000 15 not e850nT181 Id Part Z -Internal Revenue Service TDA Copy on th;s validity of Notice of Fadoral Tax lien Form G68(Y)(c) lRev. 8-97) CAT. NO 60025X 12-07-00 15:43 PREMIER AT39TRAOT ID=7172433390 P03~05 PENNSYLVANIA 23006530E ,0.'s provided isyr sect@on b32i1, 4322, and 4323 of the Interne[ Revenue k::ode, we are lfiving a not@ce that sears (including interest and penalties have .been assessed aga@use the fo@@owing-named wxpager. WR have made a demand for payment wf this.iiaGiiity, but it remains unpa@d. Therefore, there is a Prep in favor of the 1Jtaitad Staves ort a@! property and rights to property be[onglnrr tw th[x eaatpayer for the a@dount wf tliesW taxer, and additional penalties, incerestr and costs chae may accrue. District Serial Number For Opnane 499 Department of the Treasury - Internal Revenue Service Form bes (Y)(~) • ANotice of Federal °I'ax Lien (peV. Au9usL 199)1 _. _... - __. I Residence 101 N 2ND ST ' WOi2MLSYSJ3TIAC--, .PA 7,7043-1366 Tats Perlod date of last Tbayy for Rind of Talc Ending ~ ldeaieifying ldatanlbor I ,Atsetsmeitt Refi[ung fN1Pg1tTAAllf iRE1.EA3E lA1FOItA"IA'1'lt?M:'FOrvach assessmont listed below, unless Halite afi rho lien is refifed by the data given in column lei, this notioe shalh on Yhr~ day fiollowing zuch d2te, atJerate as a CerciYidatc± of falreafi8 aC dri;4iRpd in IRC 63251x1. 1040 112/37,/1996] 493-74834.1 106/:1.4/29991 07/14/2009 C°tace of Filing ~ ~ 7003 ~ TL ~ tS3SD~ ;~#'"kd" / mac.) G~~c~ ~l tlppaid Balance of Assessment 5180.20 ProtYlonotary Cumberland County Carlisle, PA 27013 Tatai ~$ 5180.20 This notice wax prepared and signed at the 26th day of September 20p0 Signature for Boas (h07E: Certificate of officer author~z Rev. Rul. 71.466, 19> t - 2 C.6. 409) .... . :, .-i ~~ ` . ~ tl .. ^ l ~ r i ~•: .. ` ' : . ... ~ : : 3 , ~ ' ~ ~ ;, .~: ~ PITTSBURGH, PA ...,. , on this. ACS ,'-01-0000 law to-taks acknowledgment is not essential to the ve'idity of Notice of FeGctoi Tax lien i'arc I - Kepc By Recording Office Form 668(Y)(e) iRev, 8-97) CAY. NO 60025X «-~+ 7.4;9,8 FAY t;iii~'t;-ruicr;uLU8uH1, ' 12/05/2000_ ..._ _. ~:c.~, . ;,:.. :~~' ~ 1~ i• fF' jjc1 ~: w J'~. •, ''~'i'•~~ d r' : :nY ~ •i r' C.. ~`~'. . ~ . , n riw~F>nrn.w•ttii~y+.nNii:. : ~~' ' i "~ ~' ~, ,S : . ryi ":'s-J,. .r:.e._ , .~r ' .. . w.t : . 'tom, c . ~.,~n 9vY6ia9 Mov vJ. uo FAS pn~ ,:~ eos; CE~TES xrLM 'diq... .-_. __ __. __ _.. . ~..- _ y~ `~ aaza~ ar. '.99 FE8 7 PPl 2 29 carzrF a~ m+rz1s caaapralxpa p,p. HOY 199000_ TS1>zL nnC9 ballu, 32 731199000 a7ao-lase-o1o - ^- Pws lr5'ai3a lJs rq 9ewr5sr DU•) •- MORTGAGk; 4%19 960RZGACB (-`-~'~' In•vamva-) V Wren m J1YW.7SY 1p, 1999 L>1 t. 9j resat a. 7'II~9WfAH , I-Bapova-). 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Y4 ...y.. .. w rt • r'w,~ ; GOnpvpga 71tlr in....•an :e company „' ALL THAT DEHTAIN trop m perrgl el'Ian0 sduete ~n :n., Borauy9h of Wermagaburq. Cpuny pl Caanbadend Md commanweutn a PennsyNanla mare penreulany deaolbed N exnrdanoe win o it^., , erevey mWb br hilched~C. D'AnpNO. Rrgraldrad Sarvevor, dated Janwry 9, 7978. Rs rellpve, Ip wn ~''~ ~ BEGINNING e~ a point el OIO rrorUllvesl wmer pl Ina nncxcrmn a Second and~Ctanfim $Ireots, ~•~' dlere:s Nonp tno aaeterdyy Ifns d C1ws7nul S6aeL NoYn nvenlygne depress eevenleon mmulos rero ,r- ;~;: eeenlala Wert, rwerr~Ittyy.lrve~}eel (N 21 dsOroea 77' 00' 'rt. 25') w en x-edt N mrlmafn ens al lna ,:.:.. r r~yl~ng Ilse benvoon.helgln deaerlbed property and the praporry knWn u 103 9eeelp'StreeC r°•rs': O+brlcl aten0 the dluldlrg lenq beeeeen sap popenros and tnreu8h UIO CMte! d peNtbned well end 'r,. ' ~~ oC1'e0d. NOrdl Siuy-eght da0reaa Iddy-Nree mmulee :aro secorida East, Mrs hdr4Md tray foot (N SB %~, :,,,` ypyp~ dT DD E , t50) tp hub afonp Ina Yreatem bne W R.+or Allay; Pinlw ekflp pin naebrn Ilna `s , d Rhar May. Swln N+ordyonp deproea seventeen mmutos zero socande Etit. TrbnHdrve feel i5 :~~•y ~..: yet tbQtaae 17 dd- /:.. 7511a a flail; tnenea'alonp ins nordlern Ilse d Gheetrlul SY/ae4 0uih ~I;. ,;~ aBdy-elpht degr..naforb-tlf10e 1Nnttb~=-re eernnes l^:cs: One hdndred fi(ry teal (568 degrnea a]• ...ti 00' W., 1607 W a aolM. BK Wfaoe aLBBGINNING ' SElNG Lot NO .ae on Plate q V.H. BerghPUa. rocerden vi Drrp~BOOk'L'. Vqume a. Page t, In Ne Caanbadentl Covnry Recadsrl ORke. ',: ,;~.. i:;:'. '( BEJNG Bls aeme prdmbea vhkh PAUL D MCMANUEl S, Sft., wlaa.veq ybyy deed dated September 'g_ , , ~, iB96 arld tlorartled NdvefnbM 1, 1989 m the ONree nr Ihn Rowrder m,Deeda In erM far Cunbedshd Count' In Dad] Beek ~: Pada 318, granted and convoyed unto PAUL DAVID ~G~''{ 4iCMANUFI6; JR,fhe Oremw hareln ..- iF~ , ruMLn ..un m u ienT ssrA.ru. s .~.bl.v.nn. ........ m. .,nM. M uw aM rnMnwnin nl ' pROpERTY DG BCRIpTION .. Legal descApiion c! :no lend: . r:, .... ~~. • ~ r~ ' - R rdn .^K . t'~reApary a°wrsuenJ ~ Baa151.7ract a8+~~, ~ (Iweulurxi ,•.~ ' a:N: 1 ~.'. ....:y;M - :'~:: . ~~~`' ;:~: 6 ..' ~r December 20, 2000 Bart I{. Timmerman 101 N. 2nd Street Womileysburg, PA 17043 ACT 91 lOTOTICE TAKE ACTI®I!~ T® SAVE Y®iTiZ I-I®li~IE FIZt~liil F®IZECL®SITI~E This is an official notice that the mortgage on your home is in default and the lender intends to foreclose Specific information about the nature of the default is provided in the attached paees. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) maybe able to help to save your home. This Notice explains how the program works. To see if HEMAP can help,vou must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE RECEIPT OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name address and phone number of Consumer Credit Cotmseling Agencies servingyour County are listed at the end of this Notice. If you have auy questions, you may call the Pemisylvatua Housing Finance Ageucy toll free at 1-800-342-2397 Lersons with unpaired hearing can call (7171780-1869. This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency maybe able to help explain it. Yon may also want to contact an attorney in your area. The local bar association maybe able to help you find a lawyer. LA NOTIFICACIO EN AD7UNT0 ES DE SUMA IMPORTANCIA, PUSS AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASE. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION IMMEDIATAMENTE LLAMANDA ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMBRO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARR IJN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S $ ~` C~' T GE~ASSISTANCE PROGRAM" EL CURL PUEDE SALVAR SU C ~~~ ~; ~DE~, ~~ ~`~i0 A REDIMIR SU HIPOTECA. ~ . ~~~, ~~ ,~ HOMEOWNER'S NAME(S): Bart K. Timmmerman PROPERTY ADDRESS: 101 N. 2nd Street Womileysburg. PA 17043 LOAN ACCOUNT NUMBER: 245101076 ORIGINAL LENDER: Centex Home Equity Corporation • ' CURRENT LENDER/SERVICER: Centex Home Ec~ttity Corporation HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAYBE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: - IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, - IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND - IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED B Y THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE--Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the receipt of this Notice. During that time yott must arrange and attend a "face-to-face" meeting with one of the constmier credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE (301 DAYS OF RECEIPT OF THIS NOTICE. IF YOU EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES--If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the pronerty is located are set forth at the end of this Notice It is only necessary to schedule one face-to-face meeting. Advise your ]ender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE--Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill ottt, 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 the applications for the program and they will assist you in submitting a complete application to the Pemtsylvauia 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 FOL LOW THE OTHER TIME PERIODS SET FORTH )N THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WIL L BE DENIED. AGENCY ACTION--Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Hottsing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (Ifyou have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (BrinF It Llp to date). NATURE OF THE DEFAULT--The MORTGAGE debt held by the above lender on your property located at 101 N. 2nd Street Wonnle sy burg, PA 17043 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY PAYMENTS for the following months and the following amounts are now past dtie: auuroxirnately $400 68 for the months of September 2000 through December 2000 Other TOTAL AMOUNT PAST DUE: 2 259.37 HOW TO CURE THE DEFAULT--Yott may care this default within THIRTY (30) DAYS of the receipt of this Notice BX PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS 2 259.37 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICI-I BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments mast be made either by cash, cashier's check, certified check or money order made pavable and sent to: ICim Campbell Centex Home Equity Corporation P.O. Box 199111 Mail Stop AK7 Dallas, TX 75219 IF YOU DO NOT CURE THE DEFAULT--Ifyou do not cure the default within THIRTY (30) DAYS of the receipt of this Notice, the leader intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS OF RECEIPT OF THIS NOTICE, the lender also intends to instntct its attorneys to start legal action to foreclose upon your mortgaeed property IF THE MORTGAG$ IS FORECLOSED UPON--The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins IegaI proceedings against yott, you will still be required to pay the reasonable attontey'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 incun-ed 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. Ifyou cure the default within THIRTY (30) DAYS OF RECEIPT OF THIS NOTICE you will not be required to pay attorney's fees. ' OThIER LENDER REMEDIES--The lender may also sue you personally for the unpaid principal balance and all ! other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE--If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and ~i•event the sale at any time up to one hour before the Sheriffs Sale. You may do so by pale the total amount then fast due plus anv late or other charges then due reasonable attorney's fees and costs conmected with the foreclosure sale gild any,other costs connected with the Sheriffs Sale as specified in writing by the lender and by perfonnin~ anv other requirements under the morteat?e. Curing your default in the manner- set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE--It is estimated that the earliest date that such a Sheriffs Sale of tha mortgaged property could be held would be approximately five months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may fmd out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Centex Home E-lc uity Corporation Address: P.O. Box 199111 Mail Stop AI{7, Dallas, TX 75219 Phone Number: 1-214-756-2136, Ext. Fax Number: 1-214-756-2055 Contact Person: I{im Campbell 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 yoir and your fiunishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE--Yoix may or X may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other regitireinettts 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:) a - TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT TNSTITUTEb UNDER THE MORTGAGE DOCUMENTS. - TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. - TO SEEI{PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. ' FOR CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY, PLEASE SEE THE ATTACHED LIST. NOTE: Unless you notify this office within thirty (30) days after receiving this notice, that you dispute the validity of this debt or any portion thereof, this office will assume that the debt is valid. If you notify this office in writing within thirty (30) days from receiving this notice, this office will; obtain verification of the debt or obtain a copy of judgment and mail you a copy of such judgment or verification. 'You are also advised that any information which you supply fo this office may be used by us in the collection of the debt. If you request this office fn writing within thirty (30) days after receiving this, this office will provide you with the name and address of the original creditor.. Although we have requested that you make payment or provide a valid reason for nonpayment, you still have the right to make a written request, within thirty days of your receipt of this notice, For more information about the debt. 'Your rights are desc~•ibed further, hereinafter. THE PURPOSE OF THIS COMMUNICATION IS TO COLLECT A DEBT ANA ANY INFORMATION OBTAINED WILL BE USED FOR THIS PURPOSE. SENT VIA REGULAR MAIL AND CERTIFIED MAIL NUMBER 7099 3400 0014 2626 1976 RETURN RECEIPT REQUESTED Enclosure: Validation of Debt Notice < »~ Validation of Debt Notice Pursuant to the Fair Debt Collection Practice Act (FDCPA)(15 USC 1692), a consumer debtor is required to be sent the following notice: (1) unless the constl)mer, within thirty (30) days after receipt of this notice, disputes the validity of the debt or any portion thereof, the debt will be assumed to be valid by the debt collector, (2) if the consumer notifies the debt collector in writing within the thirty day period that the debt or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a Judgment against the consumer and copy of such verification or Judgment will be mailed to the consumer by the debt collector, and (3) upon the consumer's written request within the thirty (30) day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Our demand for immediate payment does not eliminate your right to dispute this debt within thirty days of receipt ot'this notice. If you choose to do so, we are required bylaw to cease our collection efforts until vve have mailed that information to you. Although we have requested that you make payment or provide a valid reason for narpayment, you still have the right to make a written request, within thirty clays of your receipt of this notice, for more information about the debt. Your rights are described further, hereinafter. The law office of McCABE, WEISBERG AND CONWAY, P.C. is acting as a debt collectoz, pursuant to the FDCPA. THIS NOTICE AND LETTER ARE AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. The Federal Trade Commission has ruled that The FDCPA does not preclude the institution of legal action prior to the expiration of the thirty day period. Acceptance of funds and reinstatement of the mortgage are both subject to verification by my client. Please note that I may be instructed to proceed with foreclosure and fees, costs and/or advances by the mortgagee may be due in addition to the sum quoted above. Please further note that any funds tendered will be subject to verification and correctness before the matter is concluded. Please feel free to contact this office upon receipt of this notice should you have any questions or concerns. Date: December 20, 2000 ~ti ~ f Terrence McCabe, Esquire McCabe, Weisberg, & Conway, P.C. First Union Building 123 South Broad Street Suite 2080 Philadelphia, PA 19109 ,. PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM 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 Urban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, Pa 17101 (717) 234-5925 FAX # (717) 232-4985 YWCA of Carlisle 301 G Street Carlisle, Pa 17013 (717) 243-3818 FAX # (717) 243-3948 Kathy A. Timmerman 101 N. 2nd Street Womleysburg, PA 17043 May 7, 2001 ACT 91 NOTICE TAKE ACTION TO SAVE YOITR II011~IE FROlVI FORECLOSURE This is an official notice that the mort ag_ge on your home is in default, and the lender intends to foreclose. ~ecific information about the nature of the default is provided in the attached a es The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAPI maybe able to help to save vottr home. This Notice explains how the proeram works. To see if HEMAP can help you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE RECEIPT OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency The name address and phone number of Constuner Credit Counseling Agencies serving_ our County are listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397 (Persons with impaired hearing can call f717) 780-1869. This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency inay be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you fmd a lawyer. LA NOTIFICACIO EN ADJUNTO ES DE SUMA IMPORTANCIA, PUSS AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASE. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION IMMEDIATAMENTE LLAMANDA ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARR UN PRESTAMO POR EL PROGRAMA LLAMADO - "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CURL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): Bart K. Timmerman & Kathy A. Timmerman PROPERTY ADDRESS: 101 N. 2nd Street Wormleysburg, PA 17043 LOAN ACCOUNT NUMBER: 245101076 ORIGINAL LENDER: Centex Home Equitv Corporation CURRENT LEND1uR/SERVICER: Centex Home Equitv Corporation HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAYBE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAYBE 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 ELIGIBILITYREQUIREMENTSESTABLISHEDBYTHEPENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE--Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS OF RECEIPT OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR CONSUMER CREDIT COUNSELING AGENCIES--If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names. addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE--Your mortgage is in default for the reasons set forilr later in this Notice (see following pages for specific information about the nature of your default). If you have tried and are unable to resolve this problem-with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have the applications for the program and they will assist you in submitting a complete applicationto the PennsylvaniaHousingFinance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. 1F YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION--Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. _ ~,< NBTE: E? YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OF THE DEFAULT--The MORTGAGE debt held by the above lender on your property located at 101 N 2nd Street Wonnlevsburg~PA 17043 IS SERIOUSLY IN DEFAULT because: XOU HAVE NOT MADE MONTHLY PAYMENTS for the following months and the following amounts are now past due: annroximately $400 68 for the months of September 2000 through Maw Other TOTAL AMOUNT PAST DUE: $3,606.12 HOW TO CURE THE DEFAULT--You may cure this default within THIRTY (30) DAYS of the receipt of this Notice BY PAYING THE TOTAL AMOUNT PAST DUE TO T]EIE LENDER, WHICH IS 3 606.12 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check, certified check or money order made payable and sent to: Xim Campbell Centex Home Equity Corporation P.O. Box 199111 Mail Stop AK7 Dallas, TX 75219 TF YOU DO NOT CURE THE DEFAULT--If you do not cure the default within THIRTY (30) DAYS of the receipt of this Notice, the lender intends to exercise its rights to accelerate the mortEaQe debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. if full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON--The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the Iender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $5.0.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY OF RECEIPT OF THIS NOTICE you will not be required to pay attorney's fees. OTHER LENDER REMEDIES--The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIC~I~T TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE--If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, ,you still have the right to cure the default and prevent the sale at an~ time up to one hour before the Sheriff s Sale You may do so bypaving the total amount then east due plus any late or other charges then due reasonable attornev's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performine a~ other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE--It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately five months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Centex Home Equity Corporation Address: P.O. Box 199111 Mail Stop AK7, Dallas, TX 75219 Phone Number: 1-214-756-2136. Ext. Fax Number: 1-214-7562055 Contact Person: Kim Carnnbell EFFECT OF SHERIFF'S SALE--You should realize that a Sheriffs Sale will end your ownership ofthe 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 mayor X may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: - TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. TO HAVE 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 OTI3ER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. - TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. FOR CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY, PLEASE SEE THE ATTACHED LIST. a , ~ NOTE: Unless you ttotify this office within thirty (30) days after receiving this notice, that you dispute the validity of this debt or any portion thereof, this office will assume that the debt is valid. If you notify this office in writing within thirty (30) days from receiving this notice, this office will: obtain verification of the debt or obtain a copy of judgment and mail you a copy of such judgment or verification. Xou are also advised that any information which you supply to this office may be used by us in the collection of the debt. If you request this office in writing within thirty (30) days after receiving this, this office will provide you with the name and address of the original creditor. Although we have requested that you make payment or provide a valid reason for nonpayment, you still have the right to make a written request, within thirty days of your receipt of this notice, for more information about the debt. Your rights are described further, hereinafter. THE PURPOSE OF THIS COMMUNICATION IS TO COLLECT A DEBT AND ANX INFORMATION OBTAINED WILL BE USED FOR THIS PURPOSE. SENT VIA REGULAR MAIL AND CERTIFIED MAIL NUMBER 7000 1670 0002 4770 8034 RETiJRN RECEIPT REQUESTED Enclosure: Validation of Debt Notice 4 ~ ~ Validation of Debt Notice Pursuant to the Fair Debt Collection Practice Act (FDCPA)(15 USC 1692), a consumer debtor is required to be sent the following notice: (1) unless the consumer, within thirty (30) days after receipt of this notice, disputes the validity of the debt or any portion thereof, the debt will be assumed to be valid by the debt collector, (2) if the consumer notifies the debt collector in writing within the thirty day period that the debt or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a Judgment against the consumer and copy of such verification or Judgment will be mailed to the consumer by the debt collector, and (3) upon the consumer's written request within the thirty (30) day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Our demand for immediate payment does not eliminate your right to daspute this debt within thirty days of receipt of this notice. If you choose to do so, we are required bylaw to cease our collection efforts until we have mailed that information to you. Although we have requested that you make payment or provide a valid reason for nonpayment, you still have the right to make a written request, within thirty days of your receipt of this notice, for more information about the debt. Your rights are described further, hereinafter. The law office of McCABE, WEISBERG AND CONWAY, P.C. is acting as a debt collector, pursuant to the FDCPA. THIS NOTICE AND LETTER ARE AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL SE USED FOR THAT PURPOSE. The Federal Trade Commission has ruled that The FDCPA does not preclude the institution of legal action prior to the expiration of the thirty day period. Acceptance of funds and reinstatement of the mortgage are both subject to verification by my client. Please note that I may be instructed to proceed with foreclosure and fees, costs and/or advances by the mortgagee may be due in addition to the sum quoted above. Please further note that any funds tendered will be subject to verification and correctness before the matter is concluded. Please feel free to contact this office upon receipt of this notice should you have any questions or concerns. Date: May 7, 2001 ~~,~~ ~ /~~n Terrence. McCabe, Esquire McCabe, Weisberg, & Conway, P.C. First Union Building 123 South Broad Street Suite 2080 Philadelphia, PA 19109 ,~. PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM 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 Urban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, Pa 17101 (717) 234-5925 FAX #$ (717) 232-4985 YWCA of Carlisle 301 G Street Carlisle, Pa 17013 (717) 243-3818 FAX # (717) 243-3948 ~ ~ VERIFICATION The undersigned, TERRENCE J. McCABE, ESQUIRE, hereby certifies that he is the attorney for the Plaintiff in the within action and that he is authorized to make this verification and that the foregoing facts are true and correct to the best of his knowledge, information and belief and further states that false statements herein are made subject to the penalties of 18 PA.C.S. Section 4909 relating to unsworn falsification to authorities. TERRENCE J. Mc ABE, ESQUIRE ~e ~a~ Sil G Z ~~~ ~n7~iliY~,: ".:7~IJ r }. ~ ~~-v~~V( '--+~1 ~~~ " Y_ ~/ 'mod ,'~ Z McCABE, WEISBERG AND CONWAY, P.C. BY: TERRENCE J. McCABE, ESQUIRE Identification Number 16496 First Vnion Building 123 South Broad, Suite 2080 Philadelphia, Pennsylvania 19109 (215) 790-1010 CENTEX HOME EQUITY CORPORATION v. BART K. TIMMERMAN And KATHY A. TIMMERMAN And UNITED STATES OF AMERICA O R D E R SEP 1 ~2001~ Attorney for Plaintiff ~` CUMBERLAND COUNTY COURT OF COMMON PLEAS C.'V,',~. A c.7~.'oN _ LA r..,J NUMBER 01-4093 C ~'V~'L, AND NOW, this l~~ day of~y 2001, the Plaintiff is granted leave to serve the Complaint in Mortgage Foreclosure and all other subsequent pleadings that require personal service and the Notice of Sheriff's Sale upon the Defendant, Bart K. Timmerman, by regular mail and by certified mail, return receipt requested, and by posting at the Defendant's mortgaged premises known in this herein action as 101 North Second Street, Wormleysburg, PA 17043. J. ~1N ~, i V,St~iPd3d 25~ ~~ Ned ~ ! cl~$ ~~ _~, McCABE, PiEISBERG AND CON4VAY, P.C. BY: TERRENCE J. McCABE, ESQUIRE Identification Number 16496 First Union Building 123 South Broad, Suite 2080 Philadelphia, Pennsylvania 19109 (215) 790-1010 CENTEX HOME EQUITY CORPORATION v. BART K. TIMMERMAN And KATHY A. TIMMERMAN And UNITED STATES OF AMERICA Attorney for Plaintiff CUMBERLAND COUNTY COURT OF COMMON PLEAS NUMBER O1-4093 PETITION TO ALLOW SERVICE ON THE DEFENDANTS BY REGULAR MAIL, CERTIFIED MAIL AND POSTING PURSUANT TO PA RULE OF CIVIL PROCEDURE 430 1. Plaintiff attempted to serve a true and correct copy of the Complaint in Mortgage Foreclosure upon the Defendant, Bart K. Timmerman, at the Defendant's last-known address of 101 North Second Street, Wormleysburg, PA 17043. However, the Sheriff advised that he was unsuccessful as he could not locate him A copy of the Sheriff's Non Service Return indicating the same is attached hereto and marked as Exhibit "A." 2. Plaintiff has searched for a forwarding address for Defendant, and the Post Master has advised that there is no change of address order on file for the Defendant, Bart K. Timmerman, from the address of 101 North Second Street, Wormleysburg,~PA 17043. (See Affidavit of Good Faith Investigation attached hereto and marked Exhibit "B"). 3. Plaintiff has checked the Local Telephone Directory for an address for Defendant; there is no listing for the Defendant, Bart K. Timmerman at 101 North Second Street, Wormleysburg, PA 17043. (See Affidavit of Good Faith Investigation attached hereto and marked Exhibit "B"). 4. Plaintiff has made inquiry of the local tax bureau and the tax bill is mailed to 101 North Second Street, Wormleysburg, PA 17043. (See Affidavit of Good Faith Investigation attached hereto and marked Exhibit "B"). 6. Plaintiff has made inquiry with the Social Security Administration and was advised that there are no death records on file for the Defendant, Bart K. Timmerman. (See Affidavit of Good Faith Investigation attached hereto and marked Exhibit "B") 7. Plaintiff has investigated the Defendant's Voter Registration Record, and the Defendant, Bart K. Timmerman is registered to vote at the address of 101 North Second Street, Wormleysburg, PA 17043. (See Affidavit of Good Faith Investigation attached hereto and marked Exhibit "B"). 8. If service cannot be made on the Defendant, Bart K. Timmerman, the Plaintiff will be prejudiced. WHEREFORE, Plaintiff prays this Honorable Court grant an Order allowing the Plaintiff to serve the Complaint in Mortgage Foreclosure, and all other subsequent pleadings that require personal service, and the Notice of Sheriff's Sale upon the Defendant, Bart K. Timmerman, by regular mail; certified mail, return receipt requested; and by posting at Defendant's last- known address and the mortgaged premises known in this herein action as 101 North Second Street, Wormleysburg, PA 17043. TERRENCE J. McC E, ESQUIRE Attorney for Plaintiff McCABE, WEISBERG AND CONWAY, P.C. BY: TERRENCE J. McCABE, ESQUIRE Identification Number 16496 First Union Building 123 South Broad, Suite 2080 Philadelphia, Pennsylvania 19109 (215) 790-1010 Attorney for Plaintiff CENTEX HOME EQUITY CORPORATION CUMBERLAND COUNTY COURT OF COMMON PLEAS v. BART K. TIMMERMAN And KATHY A. TIMMERMAN And UNITED STATES OF AMERICA NUMBER 01-4093 MEMORANDUM OF LAW If a resident Defendant has obstructed or prevented service of process by concealing his whereabouts or otherwise, the Plaintiff shall have the right of service in such a manner as the Court by special order shall direct service pursuant to P.R.C.P. 430. WHEREFORE, Plaintiff prays this service be made. TERRENCE J. MICA ~E, ESQUIRE McCABE, WEISBERG AND CONWAY, P.C. BY: TERRENCB J. McCABE, ESQUIRE Identification Number 16496 First Union Building 123 South Broad, Suite 2080 Philadelphia, Pennsylvania 19109 (215) 790-1010 CENTEX HOME EQUITY CORPORATION v. BART K. TIMMERMAN Attorney for Plaintiff CUMBERLAND COUNTY COURT OF COMMON PLEAS And KATHY A. TIMMERMAN And UNITED STATES OF AMERICA NUMBER 01-4093 CERTIFICATION OF SERVICE I, Terrence J. McCabe, Esquire, attorney for the Plaintiff, hereby certify that I served a true and correct copy of the foregoing Petition to Allow Service on the Defendant by Regular Mail, Certified Mail, and Posting Pursuant to Pa.R.C.P. 430, by United States Mail, first class, postage prepaid, on the 7"` day of September, 2001, upon the following: BART K. TIMMERMAN 101 NORTH SECOND STREET WORMLEYSBURG, PA 17043 TERRENCE J. Mc E, ESQUIRE VERIFICATION The undersigned, TERRENCE J. McCABE, ESQUIRE, hereby certifies that he is the attorney for the Plaintiff in the within action and that he is authorized to make this verification and that the foregoing facts are true and correct to the best of his 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. ' 1, X11 h ~/1'.(!:~-- ~ ~ l..e TERRENCE J. McC ESQUIRE _.~~. SHE'_2IFE'S RETURN - NOT FOUND CASE NO: 2001-04093 P Ce~MMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND CENTEX HOME EQUITY CORPORATION VS TIMMERMAN BART K ET AL 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 TIMMERMAN BART K but was unable to locate Him in his bailiwick. He therefore returns. the COMPLAINT - MORT FORE , NOT FOUND as to the within named DEFENDANT TIMMERMAN BART K Sheriff's Costs: So answ,,.-s~ _-•°'"" Docketing 18.00 ~- .~ r,:,~.~^"^•`--~'"f Service 20.80 "'%l '--""~ Not Found 5.00 R Thomas Kline Surcharge 10.00 Sheriff of Cumberland County .00 53.80 MCCABE WEISBERG & CONWAY 07/27/2001 Sworn and subscribed to before me this A.D. day of Prothonotary ~~wi ss ,~ LARRY DEL VECCHIO PROCESS SERVER FOR McCABE, WEISBERG & CONWAY, P.C. P.O. BOX 3221 WARMINISTER, PA 19874 (215)442-5668 (215) 442-9727 FAX Centex Home Equity Corporation COURT OF COMMON PLEAS CUMBERLAND COUNTY V S. BART K. TIMMERMAN NO. 01-4093 LAST KNOWN ADDRESS: 101 N. 2"d St., Wormleysburg, PA ] 7043 LOAN NUMBER: 108-0039PA AFFIDAVIT OF GOOD FAITH EFFORT TO LOCATE DEFENDANT (S) I hereby certify that on August 13, 2001, a good faith effort was made to discover the correct address of said defendant (s), by: 1. Inquiry of Postal authority; Postal authority states defendant has filed a change of address to PO Box 611. Physical address for box is property, 101 N. 2"d St. 2. Examination of local telephone directories and 411 assistance; There is an enlisted number for Kathy Timmerman in the Wormleysburg. 3. Neighbor Contacts: Karl & Tammy Gobbel, 107 N. 2"d St., (717) 763-1205, left messages with no response. C. Jeanette Ditzler, 104 N. 2nd St., (717) 763-9419, left messages with no response. 4. Tax information: - Tax office has mailing address same as property, 101 N. 2"d St. 5. Death Records: - Social Security has no death records for the defendant under his social security nwnber. 6. Voter Registration: - The defendant is registered at property, 101 N. 2"d St. I certify that this information is true and correct to the best of my know) ge, information and belief. BY:__y~® Larry Del Vecchio, Process Server NOTARY PUBLIC: Sworn to and described before me this ~~"~ day of ~~S ~ 2 Ol . ,~-~ IIT " '~ LARRY DEL VECCHIO PROCESS SERVER FOR McCABE, WEISBERG & CONWAY, P.C. P.O. BOX 3221 (215) 442-5668 WARMINSTER, PA. 18974 FAX (215) 442-9727 August 18, 2001 Postmaster New Kingstown, PA 17072 REQUEST FOR CHANCE OF ADDRESS OR BOXHOLDER INFORMATION NEEDED FOR SERVICE OF LEGAL PROCESS Please furnish the new address or the name and street address (if a boxholder) for the following: Name: Bart K. Timmerman Address: PO Box 611 New Kingstown, PA 17072 The following information is provided in accordance with 39 CFR 265.6(d) (4) (ii). There is no fee for providing boxholder information. The fee providing change of address information is waived in accordance with 39 CFR 265.6 (d) (1) and (2) and corresponding Administrative Support Manua1352.44a and b. 1. Capacity of requester: Process Server 2. Statute or regulation that empowers me to serve process (not required when requester is an attorney or a party acting Pro Se- except a corporation acting Pro Se must cite statute: Process Server for McCabe, Weisberg & Conway, P.C. 3. The names of all known parties to this litigation: Centex Home Equity Corp. v. Bart I<. Timmerman & Kathy A. Timmerman 4. The court in which the case has been or will be heard: Cumberland County, PA, Court of Common Pleas 5. The docket or other identifying number if one has been assigned: 01-4093 6. The capacity in which this individual is to be served: Defendant(s) THE SUBMISSION OF FALSE MFORMATION TO OBTAM AND USE CHANGE OF ADDRESS INFORMATION OR BOXHOLDBR MFORMATION FOR ANY PURPOSE OTHER THAN THE SERVICE OF LEGAL PROCESS M CONNECTION WITH ACTUAL OR PROSEPCTIVE LITIGATfON COULD RESULT M CRIMINAL PENALTIES INCLUDING A FME OF UP TO $10,000.00 OR INPRISONMENT OR (2) TO AVOID PAYMENT OF THE FEE FOA CHANCE OF ADDRESS INFORMRATION OF NOT MORE THAN 5 YEARS, OR BOTH (TITLE 18 U.S.C. SECTION 1001). 1 CERTIFY THAT THE ABOVE MFORMATION IS TRUE AND THAT THE ADDRESS INFORMATION IS NEEDED AND WILL BE USED SOLELY FOR SERVICE OF LEGAL PROCESS IN CONNECTION WITH ACTUAL OR PROSPECTIVE LITIGATIO r !~ P.O. Box 3221 LARRY DL'L VECCHlO Warminster, PA. 18974 '"" For McCabe, Weisberg & Conway, P.C. y, ~ -.y FOR THE POST OFFICE USE ONLY NO CI-IANGE OF ADDRESS ORDER ON FILE '~/p' ~Yy ~~`~'~ POST MA12K -~ ./ ~~n ~ ~~ NE W ADDRESS OR BOXHOLDER'S NAMG AND PHYSICAL STREET ADDRESS: LARRY DEL VECCHIO PROCESS SERVER FOR McCABE, WEISBERG & CONWAY, P.C. P.O. BOX 322 ] (215) 442-5668 WARMINSTER, PA. 18974 FAX (215) 442-9727 August 13, 2001 Postmaster Wotmleysburg, PA 17043 REQUEST FOR CHANGE OF ADDRESS OR ROXHOLDER INFORMATION NEEDED FOR SERVICE OF LEGAL PROCESS Please furnish the new address or the name and street address (if a boxholder) for the following: Name: Bart K. Timmerman Address: 10 i N. 2"d St. Wormleysburg, PA 17043 The following information is provided in accordance witli 39 CFR 266.6(d) (4) (ii). There is no fee for providing boxholder inforina[ion. The fee providing change of address information is waived in accordance with 39 CFR 265.6 (d) (I) and (2) and corresponding Administrative Support Manual 352.44a and b. 1. Capacity of requester: Process Server 2. Statute or regulation that empowers Ine to serve process (uot required when requester is au attorney or a party acting Pro Se- except a corporation acting Pro Se must cite statute: Process Server for McCabe, Weisberg & Conway, P.C. 3. The names of all known parties to this litigation: Centex Home Equity Corp, v. Bart K. Timmerman & Kathy A. Timmerman 4. The court in which the case has been or will be heard: Cumberland County, PA, Court of Common Pleas 5. The docket or other identifying member if one has been assigned: 01-4093 6. The capacity in which this individual is to be served: Defendant(s) THL""SUBMISSION OF FALSE MFORMATION TO OBTAIN AND USE CHANGE OF ADDRESS MFORMATION OR BOXIIOLDER INFORMATION FOR ANY PURPOSE OTHER THAN THE SERVICE OF LEGAL PROCESS IN CONNECTION WITH ACTUAL OR PROSEPCTIVF, LITIGATION COULD RESULT IN CRIMINAL PENALTIES INCLUDING A FINE OF UP TO $10,000.00 OR MPRISONMENT OR (2) TO AVOID PAYMENT OF THE FEE FOR CHANGE OF ADDRESS INFORMRATION OF NOT MORE THAN 5 YEARS, OR BOTH (TITLE I8 U.S.C. SECTION 1001). 1 CERTIFY THAT THE ABOVE INFORMATION IS TRUE AND THAT THE ADDRESS INFORMATION I5 NEEDED AND WILL BE USED SOLELY FOR SERVICE OF LEGAL PROCESS M CONNECTION WITH ACTUAL OR PR LITIGATION. P Box 3221 / ' `~~ O A i ~'- ''- . . ! . , .; r LARRY DEL VECCH70 Warminster, PA, 18974 . _. Ci, a . ~ -~ I ~ i For McCabe, Weisberg & Conway, P.C. ~ ~' d NO CHANGE OF ADURBSS ORDER ON FILE POST NEW ADDRESS OR BOXHOLDER'S NAML- AND PHYSICAL STREET ADDRESS: C. -_ -n t/'Y ~ R7 '_ -b ~ t T ~ ~..: ~_ _ -1- r~LJ `~) L ~ ~~' .'l z •- =~ :c 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 CENTEX HOME EQUITY CORPORATION v. BART T. TIMMERMAN and KATHY A. TIMMERMAN and UNITED STATES OF AMERICA Attorney for Plaintiff CUMBERLAND COUNTY COURT OF COMMON PLEAS NUMBER 01-4093 PRAECIPE TO REINSTATE COMPLAINT TO THE PROTHONOTARY: Kindly reinstate the Complaint in Mortgage Foreclosure in the above-captioned matter. ~~0,~20i1.~~ ~ ~~~~ TERREN E J. McC E, ESQUIRE Attorney for Plaintiff 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 Centex Home Equity Corporation P.O. Box 199111, Mail Stop AK7 Dallas, TX 75219 v. Bart K. Timmerman and Kathy A. Timmerman and UNITED STATES OF AMERICA Attorney for Plaintiff Cumberland County Court of Common Pleas Number ®)- ~(~ ~lui~,~frlL?~ CIVIL ACTION/MO NOTICE You have been sued in court. Ifyou 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 personaIly 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 againstyou 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 SHbULD 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. RTGAGEFORECLOSURE AVISO Le han demandado a usted en la torte. Si usted quiere defenderse de estas demandas ex-puestas en las paginas sigvientes, usted tiene veinte (20) dias de plazo al paztir de lafechadelademandaylanotificacion. Hacefaltaasentar una comparencia escxita o en persona o con un abogado y entregar a la torte en fomta escrita sus defenses o sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se defiende, la torte tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notification. Ademas, la torte 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. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (717) 249-3166 LLEVE ESTA DEMANDA A UN ABOGADO INMEDL9TAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICIIQA CUYA DIRECCION SE ENCUENTRA ESCRTTA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASLSTENCIA LEGAL. Cumberland County Baz Association 2 Liberty Avenue Carlisle, PA 17013 (717) 249-3166 McCABE, WEISBERG AND CONWAY, P.C: BY: TERRENCE J. McCABE, ESQUIRE Attorney for Plaintiff Identification Number 16496 First Union Building 123 South Broad Street, Suite 2080 Philadelphia, Pennsylvania 19109 (215)790-1010 Centex Home Equity Corporation Cumberland County P.O. Box 199111, Mail Stop AK7 Court of Common Pleas Dallas, TX 75219 v, Bart K. Timmerman 101 N. Second Sheet Wormleysburg, PA 17043 and Kathy A. Timmerman 101 N. Second Street Wormleysburg, PA 17043 and UNITED STATES OF AMERICA c/o United States Attorney for the Middle District of Pennsylvania 228 Walnut Street P.O. Box 11754 Number Harrisburg, PA 17108 CIVIL ACTION/MORTGAGE FORECLOSURE 1. Plaintiff is Centex Home Equity Corporation, a corporation duly organized under the laws of Nevada and doing business at the above captioned address. 3. The Defendant is Kathy A. Timmerman, who is one of the mortgagors and real owners of the mortgaged property hereinafter described, and her last-known address is 101 N. Second Street, Wormleysburg, PA 17043, 4. On 10/13/00, the Defendant, United States of America, acquired a lien against the premises hereinafter described in the sum of $399.28, subordinate to the mortgagee hereinafter referred to, by reason of Federal Tax Lien, Number 00-7062, in favor of the United States of America against Bart and Kathy Timmerman, and which is recorded in the Office of the Prothonotary of Cumberland County, Pennsylvania. 5. Notice of this lien was filed on 10/13/00, at the Office of the Prothonotary of Cumberland Covnty, by the ,Internal Revenue Service, Philadelphia, Pennsylvania. A hue and correct copy of Notice of Federal Tax Lien is attached hereto and marked as Exhibit "A." 6. By the filing of this action, Plaintiff seeks a judicial sale of the premises hereinafter described. 7. On 10/13/00, the Defendant, United States of America, acquired a lien againstthe premises hereinafter described in the sum of $5,180.20, subordinate to the mortgagee hereinafter referred to, by reason of Federal Tax Lien, Number 00-7063, in favor of the United States of America against Bart Timmerman, and which is recorded in the Office of the Prothonotary of Cumberland County, Pennsylvania. 8. Notice of this lien was filed on 10/13/00, at the Office of the Prothonotary of Cumberland County, by the ,Internal Revenue Service, Philadelphia, Pennsylvania. A true and correct copy of Notice of Federal Tax Lien is attached hereto and marked as Exhibit "B." 9. By the filing of this action, Plaintiff seeks a judicial sale of the premises hereinafter described. 10. On 1/25/99, mortgagors made, executed and delivered a mortgage upon the premises hereinafter described to Plaintiff whichmortgage is recorded inthe Office of the Recorder of Cumberland County in Mortgage Book 1517, Page 835. 11. The premises subject to said mortgage is described in the mortgage attached as Exhibit "C" and is known as 101 N. Second Street, Wormleysburg, PA 17043. 12. Themortgageisindefaultbecausemonthlypaymentsofprincipalandinterestupon said mortgage due 9/1/00 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. 13. The following amounts are due on the mortgage: Principal Balance $42,418.51 Interest 8/1/00 through 6/19/01 $ 3,704.43 (Plus $12.73 per diem thereafter) Attorney's Fee $ 2,120.93 Cost of Suit $ 225.00 Appraisal Fee $ 125.00 Title Search 200.00 GRAND TOTAL $48,793.87 14. 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 attomey's fees will be charged based on work actually performed. 15. 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 as amended under 12 PA Code Chapter 13, et seq., commonly known as the Combined Notice of Delinquency 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 "D." WHEREFORE, Plaintiff demands Judgment against the Defendants in the sum of $48,793.87, together with interest at the rate of $12.73 per diem and other costs and charges collectible under the mortgage and for the foreclosure and sale of the mortgage property and that the lien of the United States of America be dischazged. --• 1 TERRENCE J. McCABE, ESQUIRE Attorney for Plaintiff ID=7172433390 P02/0S 12_97-00 15:43 'PREtdIER AB51'RACT 499 Department of the Treasury • Internal Revenue &ervice ~o:m aaa (x)(e) i+~vtiee of Federal Tax ~i~re (Raw. Augu.-t 799?1 District Serial Number - PENNSYLVANIA 230065307 As provided by section b3a1r a~322, and ¢323 of ehe En#eenal Revenue bode, we are g@v@ng a notice that taxes (Ineluding interest and penalcies~ have been assessed age@nse the fo@@ovaing-named taxpayer. We have made a demand far payment of ¢hds @iab@lityr but it remains anpald. -Therefore, there Is a F1P_n 7n favor of the l~rsiced $fates on a@@ property and rights G4 property belong@ng eo ch@s taxpayer For the amoone of these taxes, and additional penafeies, interest' and costs that may accrue. Residence 101 N 2ND ST WORMT.,E:YSBURG, PA 1.7043-1366 r~ - ~OG~ /= T'G e~~ /~3.s~s" ~, ~ jc9a~ Sy~ t"< t_o r.; _ ~; '' -, 1';~ I -t -, i ,, ..... ca ':;' @MPORTANT REL6A,SIr INFORMATIO)Vt For each assessment listed below, unless notice of Che lien is roFled 6t' the date given in column (e), Lhis notice Shall, on the day following such date, operate a, a certificate of release as tlefined in tRC 6325(ah Tax Period 1?a#e off Lase L-ayy £or tend of Tax ~ndinlz Fden#Rtjriitg' Dlttm&rer Assessmen# Rshlin$ 090 j1.2/31/J.993j ~d93-74-a9,41 j06/14/1999j 07/14/2009 Place of Filing r?xothanotaxy Cumberland. County Carlisle, PA 17013 Ltnpald Balance of ~ssessmene 399.26 Total I$ 399.2c Yhis notice was prepared and signed at .__, FTTTSBURGTir PA ~ ~~ e'k 26t:kI Se ~tn Y' r` t:he ~_~_~, day ~.>~ ~ .- -~ " "" ,, ~ ., -. ' R, ..,.~.r.....,..-.... - Signature ~!~ Title for LOTS DOWD,,.~;;::<:;:,:.~_'„._%.>,.~~y...~,r ACS 23-O1-0000 (N07E: Cenificete of officer autBorixed'tiy law to take Rev. Rvl. 71-466, 1977 • 2 C.B. Q-09) (s not essennai to Part 2 - @nterna@ Revenue Service TDA Capy on trds tf Notice of Fedoral Tax lien Form a68(Y)(c) (Rev. 8-97) CAT. NO 60025X r 12-07-00 iS:43 PRLM~IER A83TRACT iD=7A72433390 P03/05 1=orm 668 (Y)(c) (Reu. Au9usL 1997) -_ District 499 Department of the Treasury -Internal Revenue Service ~Jlotite of Fedora! lax Lies Serial IVUmber PENNSYLVANIA I 230065308 ,P.~ provided ~ section b321,, l722, and 6723 of the Internal Revenue 2:or9e, we are giving a notice that taxes (inc&uding interest and pxnalkies- have Poeer, assessed a$ainse trite foQiowing~ctamed taxpayer. We have made a dotnand for paytnenr, of this .liability. but it remains unpaEd. 7(terafore, thxro ix a lien fn favor Brf the YJrtited Seatas ott ali pYOpeYty and righBS to property belonging to this taa6payeY for thtp aMOUSi'e Of Bllesa taxes, and addiclonal penalties, interest, and costs chat may accrue. Residence 101 N 2ND ST 1 WORMLE'YSI3URG, P.A 1704 3-13 6 6 I ~ - 70(3 ,~ ~L-- CL ~' ~S3.s"~'- r7~'f "~~ / l~~ t/ca ~ lT4FCAltTAAIT EBEA.~ASb RAII'CIRMATf®Tla'FOr eaeh assessment listed below, unlees notice of the lien it refiled by the date given In column le), this notioe shall, on the day following xuch data, operate as a eerkifiGdta el retoasa afi dBfinad in If~C. 8926(a). Tact Perlad i0acr of lase tBa for hind of 11'ax Endin$ fl~enkifaro>sg AVfuml~er ikseBSroeltt ptefitwng 109:4 9961 493-74-8441 'd6/14/1999I 07/14/2409 5180.20 f~Iace of Filing ' Protklonotary Total S Cumberland County 5180.20 Carlisle, PA 17013 r, ~w,,; ~.~: .:., ~_+,: • . r;: t. , '; ... ~~` '~~r~.` - £~ .- llppaxd IBa-ance of Assessmen6 ,- . zzios;zooo ,a:~:s rnx ~ y' ' ::`J'•:'E: ./J Pvs6i09 Mav i7. uP F.u :m +w nes; . ; 9l5 ~-_ ~ • it :• '^. ' ~~, :,r^: ;;; :-.e:, ' ~;+a]i.'i~wuVii:. ewY sa~ cj_1r. .Ya .fi":.'L:_... . .._.. - ~.: :' . , . ~~ ~~ '.99 EE8 ~ PPl 2 29 ~YYdP)]47 SY. 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'ICb p:oa ds of arry Ia•'inl m clflm (vr da~'-r, narxt o[ Gousegtq*:+I. b: t:vsv~.Gav vial av) rmdmwebn m vNcr mPiaB a( ~' part ar ~ tnaperty, n: ter wmyvace :n Ilw of veadmmadv-. ar< en.'n .ualyfcd and 9Lati bl lmb ro l.mrka 7v dfe wmr o! a tma7 IsljnD R d+o Ymperty. ~, p-"euuds It4aD De sDitbd W dtc nme wd br dw 5=u: ~~. ivnvmvm. • whCcrm nn rem Oue, wjm any ~aiaeu prof ~my8o~rrov-p. ~l1a me t>•cra bf a pnl.t WdnD of me piupAry' W .vbrrn ma hir imrmt YyJ:K Of a)al pRIJ16ay .a/~I "' j idue dtl'tAldRg r1 ' l_ m Of lilpt<j (b Lb 1D0 aW]UQr nI tbG Sai(l) aRV rf6 by ml1 °KSI V ICy )nsavayat IzyteraiCly DcT do Di)/'nL nn)m Bvrtowtt aaA la;dv oLLarwlae igKC W Wrjdltp. 16' w.rae aecyrea DY m15 j«a{[Iq)~eV[ ¢ull 6C [OCtYfid Dl d1C aaaamr Uf tl:e plpRCdE rtndlipfled by ~ tvVOwln; Q~CWR (JI Nr Wa] TIIIDJti ai •tlx v,mo leatrtn ®rdivh9y DlRre my !alloy Q{aiA9A by fb) the G4 tamt.rt aallar M me pmpeiry bnmed~ete:Y'Y.for! N< takIDg. J;py Dn4nee /Dill m pad b 8nt10lles- Te WC CYe-1 o(a)netlal hlmtp of are propeiry D) WLkL tlrc by Dy;ery vallrc N hr ' Piupnq• i,>~ntery tc(Drc Ibo tatlug i/ 4a tdsm D.e anrmm yr d>c aum+ aeeurod fY DvNrc d:n r.NvJ. LLe:.n gO(TOwly aDd 7JNId[l lllr:<(M'1aC ABrr1:ID Wf41Lp M l6dm 6pftY•I,DIC IaW QWp[waC pfCVldCa, We prQ{Y+7a ihnLL IY. ep-Im1 W aF cam sated 6y Jya SFktiry 7ar~Wntmalhv~ a oof rho r~aa lrc !Lan aev~ u de I'raD<•ri V nbadVml by HVnewer, .p! Y. n7a mtlx Dy l.AVaer tv 9vrtmyvr, m.r, mn cuidcfoo-n nalan m mate Y, ... . _-Wa+d RiaSls R flatm ler Q:pgf(p1.9000wOr I~Rt rG rtspoad•P•LaI1GC Y7dibf JO dayP r(Itt Qa. dWt Qra wfxv r. -1vCfl ~tbJFr e a,Wwt4ed m -atl~i aae .yply ire pspmaM. u:ee bptlvq a~mur m reerma-vn a npa4 or dW pnP'a7 w a 9c ama. wauca by thb Shalriry r•.r••••-~ aLedc rn mr men atm. Uvbw Lenderam tdaaaota'odmwlr iyao?a WCImY.llp•appuatlm o[pr«eDdibpttzyd .F.Il mr rnrnl nt pvnlpvne the duc dtle ar Gs move•ly pt,Ymmta rofvmld m m Jraratraplu l red 2 tr ck+aA' the edatun W sxL paym.+m ' 11. Irorrorrc Not R<(uae.4. Fol6sralas Ar3mde Tint Y'WaI.C. a.,•npA r211n m)e (pr payn:~y o. xodllivbm ' ur ar-at~u of me lura.a averted by thu 3adml~ ltvalm-a•pprtte6 by • .. • r t- aVO'sa1CCReVr !o Waeet a( ynfre.r~ sLaA tmt apam m tttmm rbe Vaedlq Ff We oripiwl8onower or )l-a-wa a 611Ctelama fd laeaeat. d.oaet IL]U nv: FY eaqulrca is • rolxaooen! pvreailnp npabot ~ t«cartm ~ h¢aart yr refuDa vb ectrsN brrp (nr psrmcar or aGW4e roav(y .rmnrerwnm of J>= ma>v aauwd by tL4 Svetttiq (alnmm[ t7 awwn merry damaxr made by da 6rldavel Fleraeavu vv IWrtvwa'• aeccrr~rt ' .. ~~~% iu 4ncaa. Ytt7 (mbearal:.x try fMdeo- M vnddeyi 4q' riem ve"~7 alto!! wl e. l +alYC of w #a~vta We aurrbe K aN Jz SOCawvrs ®d Alnlp. 6aan8i Jatm end 3aavrut»Y Co-sldlaa. '~u mvmme: ¢od nplcmvny of mu . 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[.aw C4vrsu. ^)Ln 4yD lfemb DY Vi4 Sveut4y fragelinmf da 1v61e.t W a u4 .filch loft mauarrw) Ivan eherpra. .. ud dtal Lw u &uty imerJevrA as dm my Nbrrase ne Yaer loco rmrea orLwnd dr,gr 6a Wewsd b maDKW+n WtN tLe kwt exxd drQAfadthr3 Lmlh, than: P) lW alxh loa6 eLerye leev b laltmd M Vro amduln omewrr b redurn the ciurye m ine ,~: ,pomta~ LhmD: me (b) v:r ame lihsdy w0a4d hum 9omwx M1RdeL.Arovded W.mia.d Vmla wu ne ro.LiNst b: Bar+oWar. f-fdcr mq emam to meks Dw iolgod by nIA~' m. prl~rOt DWOd man me Naee a by uaklny a Aunt paymntt lu ' ..~ ]dtvmwet.'1(a reNrd aruteta JalLClps7„ dr tad~lon wIV k tamed a a Pardal Jnlyaymcm a,lt4«t aqy WawYwsat chug ' IA. Ndfkal. Avy ranw ro Bmrawq pmr4bd'[Lr b Ifdt SWjrfty Jmhrovrnt m.V W ((, Im Dydm:vttlry; 4 or by jaal)I-g 4 ' ~+f~Jl flat EbCf gpll VNdr YppUefLle 4R R1pdMd A1C'Ot Ylo~af O9dYad. ~V 110(Y:l aW flr ~lrK{~ G fLC lYnpsrtY Paddlele, 0I ' :e4Y amcai0drty LtprrpelC( d4lersRa M r9lka m [eobJr~ Nq 4lotlae Dr twb~l~tda~~ ~ah.lll DC {dre0 tr! 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A~' ir'sOC1bIY rcQWlr VI'aiiL':C {hiI IIC IICI Y(ihlf ) S¢'-rR1' i9i{t~J{. IL90a[ / naGa IE me 14p11pSy Mil 8® SLrtvmera a6ril 0?o>ame var>anLr 1. Vym 1Riaa0gJga: by 6a IWf'I Dlili6etpa m Prl N4 ~NS] ac.::td !y dtLi SCCYHtY (roart. thL 9mvgy miawr,aai aW! Ix aWlpunm aeaued 6'avlp• shat a.mr6lpWy ntlbmve n• trm tKallaeatSm Ind nxvrr dd, H,Y+'awar, m'v ri~it w rcimtaa ahaLL mt Rpp1Y m ?e care of 'i CctlmadaA,fadi' 17. 19. SdapFT,ydMaollaav $ariale. '{Ye Noce et Uia~iatat) r 1 6 L6 ,la p~{~1 ~m m dx HaC UogclWl w(N Nla $rs'LLtiry . } f ~r mM~mP 1 ar! a 01u PtiPr muVC sa 9a vie 'l.e® ~ )g9me:aRa due miler l l~7dnwer. A nla tctq wadi n e eusnrr. In Gov rssslry Oawe dN Naar and tF¢I ~Y l .. . 71oc daa SnY eavre m ~ wrr atuvya afth tv9 SmvFur aaeetomd m e Rala M da: Not e. If men N a CLiaR Nl Ri {OM Servk~r 8anmlea rUl be ~ ' td+m +riYn061pf1s td me d>~ hl agmdeap a0 W P"na'al~ ,dams. of m. xeW teen Seavlcaf nM e,R Yd41C1a m Stlhird p1 . above aid apP{ldbtr lam, ttm more ~nl; sm:e do oars aaJ dould c. alyd9='fbe nenee wW ahm mtwm wy oThR I mfmnaarpiYla6adtY aPPeraal~ lam, 'ate' '•'•~~~~ +q' M,Iwcr imii P4 emo ar , • - IdaaR-•aa.ri 5i~ aq W k »x Itolvq, Aea*vl~F abut not ffi v l mo pre~e. we. dbyoW atalsLC. M rvWw of aoy . 9oc atloa• avyme dRe to da, .nyWyy ercxdaa tbi Prop+y t t e ycCat W{aQ#•Q'~1§vflarm::::ol Lw. TGe PKe:°dle6 n.n OZ 17in!dml S1SErh t milt I Y r dull Oef apply m dK ~ . uie~ or .mh ov VW ~ ' ' . dOd W WLdGiQ~p{Qp W IK i P)na1TU'{ IV IwIN] ICiI(~-Idial a~ . fbriaWt2 a~l ~fte~dY ~VC i CIdC hTl11eC -et1CC q( RaY a: 1~4 Pe^Y IavNViea i1e aQ~e6 i GIYIm, QC$)Id. 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I.mvlcr Y b a ¢)cq m Y~ , dr{1a~1 OZ~aftilOR m acNaranne vnd [areC1a11pY: {I I , p q 17da S. r~l0 lhdrpml0t M16DU1 lurthor firmed avd S . moledlW pIgWIW la pill of Wt Rwlta eaplryd tld ' ~ rW7 ~ b Vvlletr ~ 6>arnd b d ~ b e 8~},y IOIMSmkot Ly J:IdkW (rcl.wadlry,• tll9 rwoadlM prodded In'IAh Pa*nYrul,811 Inelildln f 1 • :i~ Ilrt tCd i ?2. Aet+aa. ~rno7~6Rrs aril rem tdtlW altkat9lo V)te0 payta~ O[ all t1®1 tavned h 11da , a, Smeol p9fld6W 6!'aAPllw6114w, j •r. i^ n]w. -'' . Y mRaeyeA J ~ `._ ' _" Yn4~ Apq-!yr}i ata}prayn; 1 I3 [a1L1®eai, t6G ~'6Y' iNtlWdFnf roil 181 detrtr .a6~ ~•)yap Oil Wwly Sole Stwrlt lna{}yQpol f0 . altMaef 1 @inap' a61A pry tad' iocraaatlao Woo. y ', ~• IA'aFga,' Z1Rltaael. m dm aslrN rakaer r} . S PAIalrltrl lry npplloUM e~14' 1taPrutnar. roil Ixrdry ve(Yd ttq U a.M . edhyrq lad'[delaq 9Q1' after or daicvh m pragldlvy m ' , is+Yr r Vi : c a ' On®Ilnn of d,>y, eanyabn 4e.a OaacLugni: layy aqd IUi, and Iw ney Pfpatd w Apure level nm+ldme fur •ay or a>aeuwn. OiataPdep, i .a.. i ' ~~ ' ~% .'S; ,~~iNIYAl n:p11 Klrl YRM lip! /1{o r4 ea t l5i7rwE es39 lolra~rl+eaaw+imaraell~ 7_¢;Sa FAY _ynnw-rU1lGVLVJ-aw '-'"" !.2!05/2000,--' _ _-- . ---- -t- -'----' ,` .. ;' U3 /26rB,9 OVS 17: u] vpJ zUU e7a bViT •;~I',r :.I'.v:... ..... dF?'tl '. rIIFUNL __- ¢jntl 2e41a1U76 7•a. ueloatvLemaer Pcrs..d. [broom. mty m r~ PI'~•+/•,t N py%l-ut~L :%..+U C,UVW Ui trot hwr Pr'v,r l.~ Ne ®o®t of hiadm¢ u r eber+ll'. pb w Omer sJa pmsu.ec.~, du, Sevu:q' L~vutr,ev:. ' 37- Fwdtw Mway Mwilgae• Vary of tlm oeEl m+OW q W t Ssarrry Imicurea~ O Ivm m Sorrowv u+ u'N"e oec a the 7YOp1A'. U;la S~+u+ty Jp7m~[ rtti7! Le a ptetun~meSy ....,tLa%e. 76. Ivd.sat )3aW ARec Jndgmr_. 7ow.F-el .ye<t mn ni:• cent ore payaFb alto a 7Wpozu la CtMraa w IfK Nrm or FA m aakm of etPrlRpi fotalwtbe.tlull he ltk ale Pp~ hart nma m nmc ur6c.:be tium. 2y. iRJdga m ILIa SttaalfY'^`- - - 1( e9s W 0Y4* elect: arc orrcomd Lf finfrawtr and Sccn. • mydfier rv7m tya Szvrk) •...r ~...., • t1e mwuNa W nT He4+rdt rt<er v4aL >K [e.n:po:atea wo ire e4ue ae>Cd aM sYPplcamu dw m+'eaa>m aal:Rrm'~ of dye Scwnry Tana a 71dx m= ri.7 taste a yaY. of ~La Sosaeby Wuvmae. ~CprY 6waa)7 wn><ulex F.m xWor corm x~MS L71.4 ~ e~ OMUaem piy~ RM ~ %4tmv1 VM Dc•cIV)uamt NWcr ~ Bi~e~Yy Paymca VJdOt 8auc®8ider LJ RNO tmpeo.'amrnl Rider ssoad Homo khs.r v.n. kkkr Q omal.) Ly~t.'1 -~ BY StONaa eoA'PJ. W..o-a am7a ud syre m tta rrsns aVV co•enae:. Wm>ibA k mla 3coulOr unanys am m ). tu,Y rYVfi7 ese®d by 6xrower w1 aecwMd plm b. 'L!j 'r.o- :f i L... fSuU i... _. .. ... .1-~ x. r~ .varrvw t G :: a~ or Rm7dcncc ~; ,.. _ TYYmvr2s eNRme(wslra ., qo tiervby eatery Otal the wrteet idea,a of j M7r101Eo'af~d Moa7p7tea n P.o. e7S yYYedea nn.r. n. T7[ 7s91a ' ,:~ Mezu W LaM V,la .~, ~ iJ. dP7 0( ~41+.i 1 c''1 ~, ' ~'~~. ~'-~'zrFRnaJSS'vc*7mexwtx=.f .,~awtla~mP+ ~. ['g4pLtl~Rigt[.T80F)rzNN57T.VAMA, r~,'I I,'%/~.. CwatT Sot . r. ~ µ~ /r •• COYLY. QR ,~J day o!~,:~, // /J }r f ~- ~ ~ ~y' /~~ , yoW[e bIC, 1Dc uKblrlgeN aQkw, pYaUdyNppbaawi-p' ~^""'~ i ~ '"[.d,rM~~C tI.t l~f/ 1~r7~;'i 1: -~rht77C/n7gJ7 l~d7N~1 lmesn b rm tar 4W6ckcitY'prowy m 1x 7.U pQ+oO 7VbVet aeano. I.remellydW!4 told17a•lJfdYar+N and arllwrl<daeb Cal e0sd7Ld1)r Mme La lbs µrtpom l>aalq f{dptl®d, ~ ~ ~ I ~ r~ t iN WIReB6S WSffix73pP, l 6namma ar my E.ed ISd a6eW eel. i ! . MY Cke>rmiuFnd!'t Wr, ~ .. Y~~} / . :; '/ - xotettlaLS'Fi,l / ' CFILLCftILEY.NMW F4W_e, i!':.i-is~:r3.. _~f) ..!.. a l•lr... / ,l - w ..~?AI 'cn ric>v 1011 9Mb 900b1.J~.7 ftC( ILJ'iy t. :., ~•` Fyt_ t ~1r-..xL:l~ ~5,~ rrw~e-+FZav 'i 1Li vor e~ov .__ _~ .-~~ 1~ ..kfr .. , ~ 'q..F'~•. ~ •:ty :~~.~~i:5..: .:~ y :. F' '~~1 wi ~: ~ , ~I '... .. ..: '. ' . m.. .. : > ''`f~n ' ~ ' "~ . ffi3.•;. •.`d ;.",'.L 7?. S:rxFF411+;r Conti :•ope 71111 im..: once company ' PROPERTY PG SCRIpTION legal daecrlptim n! :ho lentl: ~~• ALA. T11a.T CEkrAIN Irpq or pareN df land artuele :n ;n!' Bvrpu h of Wprmlpyaburp, Cpuny d• artlGl~anY AvatriCOd m ltebrdanpp Wrn o Nenla mor 1 P • :~;~ . +' ennsy e p cwnbadend •np cpmmvrtwaatm 0 rtctmy mW0 by Mioheel•G. O'PJpeFJ. Req,a9prpa Surveyor, tleletl Jenwry 9, 1979. R4ldlpwa, lv wll • BEGINNING o: a point et dto Irorthrreal pnmer pl lno ,nm;arctron of Sacpnd end~Ctmmm Slrpete, dlenGe elen9 rho haefe Ifne LQ GhastnUl Sbaef, Nafn twenty.pna depress aevenlean minytai Y,ero L " . ';, ~ eemrrde Wert, rwe lest (N 27 appreea 77' n0' :n', Z5') w an xrart m mnaeln end at ma ' ~~`n. 9" Strmt; t4rlmrlq Ilse heawdon. bid property and Iha pmporty krwen u 409 9enaM ~ %",~': 7nence adg1Q the dLAd9g Ilnd frlaraen sab pppenres and mrough the nenhn dT pvltttbxd well end Y, ; ~ ~ hpYdM1. Norm srasy-elpht tlaprgta forty-mree mmulee aely aeconda Eee>, fnie hdrErpJ Imy rant (N BB ., ; :y:' ~" AT 00' E , 750) fp Bup alorp the s.antam 6nc W R,+ar pJloy; gwnw llOflp Nd waatem Ilne e l st (u G , ? 'F ; j ; v e d Rter/Ney, Sw05 MjmRy-oM deproaa oayenteen min4[06 Zero vocande Eaa{. 7rrMty uth a S d Cf uT l • ' - N , " /e o ne reMUt aan9lnc nprthem I i ~tOep roan 17 Oa E., 2677q a 11711; thanpe Teel (5 OB tlagrnea a7' s: One h4ndred IIR 1 ro mnc W p ~ I z r(• : ~ y gryt ydyappr~na e ee s c )Ipe Ir1 n1Rp p0d prbr. l BEGINNING ' be 1 t I l " ~ ;; ~ n a cp agd 0 . M p 00 W., 1697 T '~'r ;, BEING Lot No .t4 tXt Plen d V.H. [7prgna4a, rapprdpp vi CCr,d~Bpok'l". vwpmp a, R+qe 1. In the `~i '•; GmWdand County Rewrdet'e Olfke. );; ; .;, BEINp the w+',t prpmgea 7ylikh PglJl, P M(iMnNU[t +. SR., vnopwer, trtyY deed dakv Septemeer , , , 3tl, 1951 and tnr rdad Nwembar 1. 1999 m }hp Omer: n1 Ihn RHWrdar a.Deeda In arM for : - •' Ctanbptle00 County In Oaed Bodk G~ pave 318, grantor! and wnwyad unip PAUL DAVID 7 R h h :t ; ere n 41ChiANUEl6; J ,t e prempr .y ' "'~ .F ' UNDER ANO5UBJECT. npydrp19id16, to reattlplans, easnmant+, nghq pt they and Cavenente or , ;., Y •,: .. .•.: A; • ,1 .. tKW, , +sa, December 20, 2000 Bart It. Timmerman 101 N. 2nd Street Womileysburg, PA 17043 ACT 91 I~ TICE TA ACTI T SAVE ®TJ1Z I3®liilE ~'IZt3li~I ~ CLSLT This is an official notice that the mortgage on yoar home is in default and the lender intends to foreclose Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) maybe able to hel tp o save your home. This Notice explains how the program works. To see if HEMAP cau helg, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE RECEIPT OF THIS NOTICE. Take this Notice with you when you meet with the Counseling A eg nev The name, address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice. If you have andquestions, oy u may call the Pemzsylvania Housing Finance A ency toll free at 1-800-342-2397 LPersons with irnpaired hearing can call (717) 780-1869. This Notice contains important legal information. Ifyou have any questions, representatives at the Consumer Credit Counseling Agency maybe 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 yott find a lawyer. LA NOTIFICACIO EN ADJUNTO ES DE SUMA IMPORTANCIA, PUSS AFECTA SU DERECHO A CONTINCJAR VIVIENDO EN SU CASE. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACTON OBTENGA UNA TRADUCCION IMMEDIATAMENTE LLAMANDA ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S E~y~- ~E , C~' O T GE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR Q~~ ~ r' ~a 9i1 9 ti a i SU C S E l~ a Rp~D .' DES' CIO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAMB{S): Bart IC. Tinmierman PROPERTY ADDRESS: 101 N. 2nd Street Wornilevsbur~, PA 17043 LOAN ACCOUNT NUMBER: 245101076 ORIGINAL LENDER: Centex Home Eqttity Corporation CURRENT LENDER/SERVICER: Centex Home Equity Corporation FOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM SOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 {THE "ACT"), YOU MAYBE 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 BYTHEPENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE--Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the receipt of this Notice. During that time you must orange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE (30) DAYS OF RECEIPT OF THIS NOTICE. IF YOU EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES--If you meet with one of the consumer credit counseling agencies listed at the end of tlus notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telenhone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your leader immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE--Your mortgage is iu default for the reasons set forth later in this Notice (see following pages for specific information about the nature ofyoirr default). If yotr have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit cotmseling agencies have the applications for the program and they will assist yotr in submitting a complete application to the Pennsylvania Housing Finance Agency. Yotrr application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting, YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION--Available fiords for emergency mortgage assistance are very limited. They will be clisbiirsed 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 b e pursued against you if yon have met the time requirements set forth above. You will be noti fled directly by the Peruisylvania I-Iousing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date NATURE OF THE DEFAULT--The MORTGAGE debt held by the above lender on your property located at 101 N 2nd Street Wonnleysburg, PA 17043 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY PAYMENTS for the following months and the following amounts are now past due: ap~~roximately 5400.68 for the months of September 2000 through December 2000 Other TOTAL AMOUNT PAST DUE: 2 259.37 HOW TO CURE THE DEFAULT--You may cure this default within THIRTY (30) DAYS of the receipt of this Notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS 2 259.37 PLUS •vi[TT RnTT/iA/~Y^11AtTT iITTTTO ATTTT ATD(~TTAT]/~T]OTI>TTT/"~TT TTT`!"~nT?TT TITTP TIT TT)TTTI+TTTTP TiTTTITV /1l1\ OTHER LENDER REMEDIES--The lender may also sue you personally for the unpaid principal balance and all other sums due tinder the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE--If yott have not cared the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the ris?ht to cure the default and prevent the sale at anv time ttp to one hour before the Sheriffs S ale. You may do so by paving the total amount then nas~_t due lus any.late or other char>7es then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff s Sale as specified in writing by the lender and by perfonnine anv other re~c uirements under the mott~aee. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE--It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately five months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Ofcourse, the amount needed to cure the default will increase the longer you wait. You may find out at any tune exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Centex Home Eauitv Corporation Address: P.O. Box 199111 Mail Stop AI{7, Dallas, TX 75219 Phone Number: 1-214-756-2136, Ext. Fax Number: 1-214-756-2055 Contact Person: I{im Campbell FOR CONSUMER CREDIT COUNSELING AGENCIES SERVING POUR COUNTX, PLEASE SEE THE ATTACHED LIST. NOTE: Unless you notify this office within thirty (30) days after receiving this notice, that you dispute the validity of this debtor any portion thereof, this office will assume that the debt is valid. If you notify this office in writing within thirty (30) days from receiving this notice, this office wilh obtain verification of the debt or obtain a copy of judgment and mail you a copy of such judgment or verification. You are also advised that any information which you supply to this office may be used by us in the collection of the debt. If you request this office in writing within thirty (30) days after receiving this, this office will provide you rvitli the name and address of the original creditor. Although we have requested that you make payment or provide a valid reason for nonpayment, you still have the eight to make a written request, within thirty days of your receipt of this notice, for more information about the debt. Xour rights are described further, hereinafter. THE PURPOSE OF THIS COMMUNICATION IS TO COLLECT A DEBT AND ANl' INFORMATION OBTAINED WILL BE USED FOR THIS PURPOSE. SENT VIA REGULAR MAIL AND CERTIFIED MAIL NUMBER 7099 3400 0014 2626 1976 RETURN RECEIPT REQUESTED Enclosure: Validation of Debt Notice Validation of Debt Notice Pursuant to the Fair Debt Collection Practice Act (FDCPA)(15 USC 1692), a consumer debtor is required to be sent the following notice: (1) unless the consumer, within thirty (30) days after receipt of this notice, disputes the validity of the debt or any portion thereof, the debt will be assumed to be valid by the debt collector, (2) if the consumer notifies the debt collector in writing within the thirty day period that the debt or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a Judgment against the consumer and copy of such verification or Judgment will be mailed to the consumer by the debt collector, and (3) upon the consumer's written request within the thirty (30) day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Our demand for immediate payment does not eliminate your right to dispute this debt within thirty clays of receipt of this notice. It'you choose to do so, we are required bylaw to cease our collection efforts until we have mailed that information to you. Althougb rve have requested that you make payment or provide a valid reason for nonpayment, you sti[I have the right to make a written request, within thirty clays of your receipt of this notice, for more information about the debt. Your rights are described further, hereinafter. The law office of McCABE, WEISBERG AND CONWAY, P.C. is acting as a debt collector, pursuant to the FDCPA. THIS NOTICE AND LETTER ARE AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. The Federal Trade Commission has ruled that The FDCPA does not preclude the institution of legal action prior to the expiration of the thirty day period. Acceptance of funds and reinstatement of the mortgage are both subject to verification by my client. Please note that I may be instructed to proceed with foreclosure and fees, costs and/or advances by the mortgagee may be due in addition to the sum quoted above. Please further note that any funds tendered will be subject to verification and correctness before the matter is concluded. Please feel free to contact this office upon receipt of this notice should you have any questions or concerns. Date: December 20, 2000 ~.~... r' C ~---- Terrence McCabe, Esquire, McCabe, Weisberg, & Conway, P.C. First Union Building 123 South Broad Street Suite 2080 Philadelphia, PA 19109 PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM 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 Urban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, Pa 17101 (717) 234-5925 FAX # (717) 232-4985 YWCA of Carlisle 301 G Street Carlisle, Pa 17013 (717) 243-3818 FAX # (717) 243-3948 May 7, 2001 Kathy A. Timmerman 101 N. 2nd Street Womleysburg, PA 17043 ACT 91 Iv®TICE TA .ACTIN 'T S.A ITl~ ..III®1~E ~'I~®1VI C.I1®StJ This is an official notice that the mortgaee on your home is in default, and the lender intends to foreclose. ~ecific information about the nattue of the default is provided in the attached pages. T_he HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAPI maybe able to help to save your home. This Notice explains how the program works. - ~ - ~ ~ * ~rr.r•m rrnmrr ~ n~rmirn can !'~D AiITT ('YIT TT~TCRT 1TT(; Qf;RN('.'V a~~+ IIOMBOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAYBE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. TF YOU COMPLX WITH THE PRO VISIONS OF THE HOMEOWNER'S EMERGENCX MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAYBE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: - IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, - IF YOU HAVE A REASONA$LE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND - IF YOU MEET OTHERELIGIBILITYREQUIREMENTS ESTABLISHED BY THEPENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE--Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT 30) DAYS OF RECEIPT OF THIS NOTICE. MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HO W TO CURE YOUR MORTGAGE D)?FAULT." EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES--If you meet with one of the consumer credit counseling agencies listed at the end of this notice, Uxe lender may NOT take action against you for thirty (30) days after the date of this meeting. The names. addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the pro e~rty is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your tender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE--Your mortgage is in default for the reasons set fortlx later in this Notice (see following pages for specific information about the nature of your default). If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have the 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 APPLICATIONPROMPTLY. TF YOU FAIL TO DO SO OR IF YOUDO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION--Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you havemet 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 CURRENTLX PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HO W TO CURE YOUR MORTGAGE DEFAULT Bring it up to date). NATURE OF THE DEFAULT--The MORTGAGE debt held by the above lender on your property located at 101 N 2nd Street Wormle sy burg. PA 17043 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY PAYMENTS for the following months and the following amounts are now past due: arororoxirnately $400 68 for the months of September 2000 throueh Mav 2001 Other TOTAL AMOUNT PAST DUE: $3.606.12 ITOW TO CURE THE DEFAULT--You may cure this default within THIRTY (30) DAYS of the receipt of this Notice BY PAYING THE TOTAL AMOUNT PAST DUE TO TFIE LENDER, WHICH IS 3 606.12 PLUS ANY' MORTGAGE PAYMENTS AND LATE CHARGES WHICHBECOME DUE DURINGTHE THIRTY (30) DAY PERIOD. Payments must be made either b~cash, cashier's check, certified check or money order made roayable and sent to: Kim Campbell Centex Home Equity Corporation P.O. Box 199111 Mail Stop AK7 Dallas, TX 75219 IF YOU DO NOT CURE THE DEFAULT--Ifyou do not cure the default within THIRTY (30) DAYS of the receipt of this Notice, the lender intends to exercise its rights to accelerate the mort~a~e debt This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the tender also intends to instruct its attorneys to start Legal action to foreclose upon your mor~aeed pr~ertX; IF THE MORTGAGE IS FORECLOSED UPON--The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins Legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were achially 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 you cure the default within the THIRTY (30) DAY OF RECEIPT OF THIS NOTICE you will not be required to pay attorney's fees. OTHER LENDER REMEDIES--The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE--If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, ~u still have the right to cure the default and Rrevent the sale at any time up to one hour before the Sheriff s Sale. You may do so by naving the total amount then mast due plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by nerforminQ auy other requirements under the morgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE--It is estimated that the earliest date that such a Sheriffs Sale of the rortgaged property could be held would be approximately five 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 wilt be by contacting the Iender. HOW TO CONTACT THE LENDER: Name of Lender: Centex Home Equity Corporation Address: P.O. Eox 199111 Mail Stop AK7, Dallas, TX 75219 Phone Number: 1-214-756-2136, Ext. Fax Number: 1-214-756-2055 Contact Person: Kim CamRbell 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. Tf you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your fizmislungs and other belongings could be started by the lender at any time. ASSUMPTION OFMORTGAGE--You mayor X may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: - TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF TINE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAX 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 TF 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 BX THE LENDER. - TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. FOR CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY, PLEASE SEE THE ATTACHED LIST. •NOTE: Untess you notify this office within thirty (30) days after receiving this notice, that you dispute the validity of this debt or any portion thereof, this office will assume that the debt is valid. If you notify this office in writing within Thirty (30) days from receiving Phis nofice, this office will; obtain verification of The debt or obtain a copy of judgment and mail you a copy of such judgment or verification. You are also advised that any information which you supply to this office may be used by us itt the collection of the debt, If you request this office in writing within thirty (30) days after receiving this, this office will provide you with the name and address of the original creditor. Although we have requested thatyou make payment orprovide a valid reason for nonpayment, you still have the right to make a written request, within thirty days of your receipt of this notice, for more information about the debt. Your rights are described further, hereinafter. THE PURPOSE OF THIS COMMUNICATION IS TO COLLECT A DEBT AND ANX INFORMATION OBTAINED WILL BE USED FOR THIS PURPOSE. SENT VIA REGULAR MAIL AND CERTIFIED MAIL NUMBER 7000 1670 0002 4770 8034 RETURN RECEIPT REQUESTED Enclosure: Validation of Debt Notice Validation of Debt Notice Pursuant to the Fair Debt Collection Practice Act (FDCPA)(15 USC 1692), a consumer debtor is required to be sent the following notice; {1) unless the consumer, within thirty (30) days after receipt of this notice, disputes the validity of the debt or any portion thereof, the debt will be assumed to be valid by the debt collector, (Z) if the consumer notifies the debt collector in writing within the thirty day period that the debt or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a Judgment against the consumer and copy of such verification or Judgment will be mailed to the consumer by the debt collector, and (3) upon the consumer's written request within the thirty (3 D) day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Our demand for immediate payment does not eliminate your right to dispute this debt within thirty days of receipt of this notice. Ifyou choose to clo so, we are required bylaw to cease our collection efforts until we have mailed that information to you. Although we have requested that you make payenent or provide a valid reason for nonpayment, you still have the right to make a written request, within thirty days of your receipt of this notice, for more information about the debt. 'Your rights are described further, hereinafter. The law office of McCABE, VdEISBERG AND CONWAY, P.C. is acting as a debt collector, pursuant to the FDCPA. THIS NOTICE AND LETTER ARE AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. The Federal Trade Commission has ruled that The FDCPA does not preclude the institution of legal action prior to the expiration of the thirty day period, Acceptance of funds and reinstatement of the mortgage are both subject to verification by my client. Please note that I may be instructed to proceed with fozeclosure and fees, costs and/or advances by the mortgagee may be due in addition to the sum quoted above. Please further note that any funds tendered will be subject to verification and correctness before the matter is concluded. Please feel free to contact this office upon receipt of this notice should you have any questions or concerns. Date: May 7, 2001 ~~e Terrence McCabe, Esquire McCabe, Weisberg, & Conway, P.C. First Union Building 123 South Broad Street Suite 2080 Philadelphia, PA 19109 • PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COiJIQSELING 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 Urban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, Pa 17101 (717) 234-5925 FAX # (717) 232-4985 YWCA of Carlisle 301 G Street Carlisle, Pa 17013 (717) 243-3818 FAX # (717) 243-3948 VERIFICATION The undersigned, TERRENCE J. McCABE, ESQUIRE, hereby certifies that he is the attorney for the Plaintiff in the within action and that he is authorized to make this verification and that the foregoing facts are true and correct to the best of his knowledge, information and belief and further states that false statements herein are made subject to the penalties of 18 PA.C.S. Section 4909 relating to unsworn falsification to authorities. TERRENCE J. Mc BE, ESQUIRE ~ ne SHERIFF'S RETURN - REGULAR CASE NO: 2001-04093 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CENTEX HOME EQUITY CORPORATION VS TIMMERMAN BART K ET AL DAVID MCKINNEY Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon TIMMERMAN BART K DEFENDANT the at 1831:00 HOURS, on the 8th day of October 2001 at 101 N SECOND ST WORMLEYSBURG, PA 17043 POSTED PROPERTY by handing to 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 10.40 Posting 6.00 Surcharge 10.00 .00 44.40 Sworn and Subscribed to before me this j.LW day of lk C~~. _ cl ao ( A . D . thonotary So Answers: R. Thomas Kline 10/09/2001 MCCABE WEISBERG CONWAY By: ~ ~ ' Deputy She' i ;:;,s..~~ ,~