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HomeMy WebLinkAbout01-04174 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ALLFIRST f/k/a DAUPHIN DEPOSIT, CIVIL DIVISION BANK AND TRUST COMPANY, ~ (cam, Plaintiff, vs. DAVID J. HOLLAND and NANCY W. ROOK HOLLAND, Defendants. TYPE OF PLEADING CIVIL ACTION -COMPLAINT IN MORTGAGE FORECLOSURE FILED ON BEHALF OF: Allfirst f/k/a Dauphin Deposit Bank and Trust Company Plaintiff, TO: DEFENDANT(a) YOU ARE Y NOTIFD;D TO PLEAD TO THE ENCLOSED OMPLADVT W[THIN TWENTY (20) DAYS FROM SER CE HEREOF ~ EFAULT JUDGMENT MAY BEE DA y~y COUNSEL OF RECORD FOR THIS PARTY: Scott A. Dietterick, Esquire Pa. I.D. #55650 [ HEREBYICERTQ~'Y TE OF THE PLAAITIFF IS: P.O. Box 17292 Baltimore, MD 21203 AND THE EFENDANT 380 Ho wbrook ID ADDRESS JAMES, SMITH, DURKIN & CONNELLY LLP P.O. Box 650 Hershey, PA 17033 CERTIFICATE OF LOCATION I HEREBY RTIFY THAT THE LOCATION OF THE RE L ST E AF ~ TED BY THIS LIEN IS 380 Hol is e, PA 17013 (717) 533-3280 ATTpRNQ~FOR r IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ALLFIRST, f/k/a DAUPHIN DEPOSIT BANK CIVIL DIVISION AND TRUST COMPANY, Plaintiff, vs. NO.: DAVID J. HOLLAND and NANCY W. ROOK HOLLAND, Defendants. NOTICE TO DEFEND You have Ueen sued in court. If you wish to defend against the claim set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU SHOULD NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 Phone (717) 249-3166 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ALLFIRST, f/k/a DAUPHIN DEPOSIT BANK CIVIL DIVISION AND TRUST COMPANY, NO.: Plaintiff, vs. DAVID J. HOLLAND and NANCY W. ROOK HOLLAND, Defendants. AVISO LISTED HA SIDO DEMONDADO/A EN CORTE. Si usted desea defenderse de las demandas que se presentan mss adelante en las siguientes paginas, debe tomar action dentro do los proximos veinte (20) dias despues de la notifacacion de esta Demands y Aviso radicando personalmente o por medio de un abogado una comperencencia escrita y redicanco en la Courte por escrito sus defensas de, y objecciones a, los demandas presentadas aqui en contra soya. Se le advierte de que si usted falls de tomar action como se describe anteriormente, el caso puede proceder sin usted y un fallo por cualquier soma de dinero reclamada en la demands o cualquier otra reclamation o remedio solicitado por el demandante puede ser dictado en contra soya por la Corte sin mss aviso adicional. Usted puede perder dinero O propieded u otros derechos importantes pars usted. USTED DEBE LLEVAR ESTE DOCUMENTO A SU ABAGADO 1MMEDIATAMENTE. SI LISTED NO TIENE UN ABOGADO O NO PUEDE PAGARLE A LINO, LLAME A VAYA A LA SIGUEINTE OFICINA PARR AVERIGUAR DONDE PUEDE ENCONTRAR ASISTENCIA LEGAL. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 Phone (717) 249-3166 f IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ALLFIRST, f/k/a DAUPHIN DEPOSIT BANK AND TRUST COMPANY, CIVIL DIVISION NO.: D/- yl y~ l..~tr+-Q l.u.~-. Plaintiff, vs. DAVID J. HOLLAND and NANCY W. ROOK HOLLAND, Defendants. CIVIL ACTION -COMPLAINT IN MORTGAGE FORECLOSURE And now comes Allfirst, f/k/a Dauphin Deposit Bank and Trust Company, by its attorneys, James, Smith, Durkin & Connelly LLP, files this Complaint in Mortgage Foreclosure as follows: The Plaintiff is Allfirst Bank, f/k/a Dauphin Deposit Bank and Trust, which has its principal place of business at P.O. Box 17292, Baltimore, Maryland 21203. 2. Th'e Defendants, David J. Holland and Nancy W. Rook Holland, are adult individuals whose last known address is 380 Hollowbrook Drive, Carlisle, Pennsylvania 17013. On or about July 21, 1986, Defendants executed a Note in favor of Plaintiff in the original principal amount of $78,660.00. A true and correct copy of said Note is marked Exhibit "A", attached hereto and made a part hereof. 4. On or about July 21, 1986, as security for payment of the aforesaid Note, Defendants made; executed and delivered to Plaintiff a Mortgage in the original principal amount of $78,660.00 on the premises hereinafter described, with said Mortgage being recorded in the Office of the Recorder of Deeds of Cumberland County on July 24, 1986, in Mortgage Book Volume 824, Page 983. A true and correct copy of said Mortgage containing a description of the premises subject to said Mortgage is marked Exhibit "B", attached hereto and made a part hereof. 5. Defendants are the record and real owners of the aforesaid mortgaged premises. 6. Defendants are in default under the terms of the aforesaid Mortgage and Note for, inter alia, failure to pay the monthly installments of principal and interest when due. On or about Apri19, 2001, Defendants were mailed a combined Notice of Homeowners' Emergency Mortgage Assistance Act of 1983 and Notice of Intention to Foreclose Mortgage, in compliance with the Homeowner's Emergency Mortgage Assistance Act, Act 91 of 1983 and Act 6 of 1974, 41 P.S. §101, et seq. True and correct copies of said Notices are marked Exhibit "C", attached hereto and made a part hereof. 8. The amount due and owing Plaintiff by Defendants is as follows: Principal $ 46,799.54 Interest through 7/3/01 $ 10,422.36 Escrow Advance $ 3,660.44 Appraisal and P & J Report $ 368.35 Attorney's Fees $ 1,100.00 Title Search and Costs $ 2.500.00 TOTAL $ 64,850.69 plus interest on the principal sum ($46,799.54) from July 3, 2001, at the rate of $9.945 per diem, plus additional late charges, and costs (including additional escrow advances), additional attorneys' fees and costs and for foreclosure and sale of the mortgaged premises. 9. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. (1977), Defendant(s) may dispute the validity of the debt or any portion thereof. If Defendant(s) do so in writing within thirty (30) days of receipt of this pleading, Counsel for Plaintiff will obtain and provide Defendant(s) with written verification thereof; otherwise, the debt will be assumed to be valid. Likewise, if requested within thirty (30) days of receipt of this pleading, ~ i ~ ~ r Counsel for Plaintiff will send Defendant(s) the name and address of the original creditor if different from above. WHEREFORE, Plaintiff demands judgment in mortgage foreclosure for the amount due of $64,850.69, with interest thereon at the rate of $9.945 per diem from July 3, 2001 plus additional late chazges, and costs (including additional escrow advances), additional attorneys' fees and costs and for foreclosure and sale of the mortgaged premises JAMES, SMITH~~i~KIZy~ONNELLY LLP BY: Scott A. Di e ck, Attorneys for P inti PA I.D. # 5565 P.O. Box 650 Hershey, PA 17033 (717) 533-3280 THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. tal ?+ W V~F@mW V1 ~ 3 x ~ ~ o UR@7C W ou~'~ zz~~ a~~3 GC M ~F F za5~ O~~>+ ~MiZ'p~, >~mr Q y H F m~m0 QaZ'~ p„W T Op~j~~ UpC0. 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Holland 380 Hollow Brook Drive Carlisle, PA 17013 Apri19, 2001 Via Certified Mail - Retum Receipt Requested Regular U.S. Mail ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME ~EROM FORECLOSURE This is an official notice that the mort a e on your home is in default and the lender intends to foreclose. Specific infonmation about the nature of the default is provided in the attached paces. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAPI maybe able to help to save your home. ` This Notice explains how the program works To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THI5 NOTICE Take this Notice with You when you meet with the Counselin~Aeency. The name, address and phone number of Consumer Credit Counseling Agencies servine Your County are listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housing Finance AQencv toll free at 1-800-342-2397. (Persons with impaired hearing can call (717) 780-18692 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 NOTIFICACION EN ADJUNTO ES DE SUMA IlVII'ORTANCIA, PUES AFECTA SU DERECHO A CONTINTTAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) S1N 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): David J. Holland and Nancy W. Rook Holland PROPERTY ADDRESS: 380 Hollow Brook Drive, Carlisle, PA 17013 LOAN ACCT. NO.: 0001914159 ORIGINAL LENDER: Dauphin Deposit Bank and Trust Company CURRENT LENDER/SERVICER: Allfirst f/k/a Dauphin Deposit Bank and Trust Company 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 MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOU 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 ELIGIBILYTY REQUIREMENTS ESTABLISHED BY 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 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. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT." EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseline agencies for the county in which the nropertv is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise you 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 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 MAX 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. 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. for HOW TO CURE YOUR MORTGAGE DEFAULT Brim it up to date}, NATURE OF TAE DEFAULT -the MORTGAGE debt held by the above Lender on your property located at: 380 Hollow Brook Drive. Carlisle, Pennsylvania 17013 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: monthly payments of $598.58 each for the. months of August 1998 throug~i Mazch 2001 for a total monthly ~ayment amount of $19,154.56. Other Charges (explain/itemize) Bank Fees in the amount of $368.35, attornevs fees in the amount of $250.00, less money in suspense of $2.092.48. TOTAL AMOUNT PAST DUE: $17,680.43 HOW TO CURE DEFAULT -You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $ 1,680.43 ,PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Pavments must be made either by cash, cashier's check, certified check or money order made payable and sent to James, Smith, Durkin & Connelly LLP ATTN: Scott A. Dietterick, Esquire P.O. Box 650 Hershey, PA 17033 IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclosure upon vour mortgaged ro er 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. If you cure the default within the THIRTY (30) DAY aeriod, you will not be required to ~av 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. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at anytime up to one hour before the Sheriff s Sale. You may do so by paving the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and other costs connected with the Sheriff's Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you have never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the eazliest date that such a Sheriff s Sale of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Allfirst Address: P.O. Box 60890, Harrisburg, PA 17106-0890 Phone Number: (7171565-2722 Fax Number: (717) 565-2720 Contact Person: Audrev J. Rosario-Otero EFFECT OF SHERIFF'S SALE -You should realize that a Sheriff s Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other , belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -You may or XXX 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. XOU 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 INSTITLJTED 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. CONSUMER CREDIT COUNSELING AGENCIES SERVING CUMBERLAND COUNTY Consumer Credit Counseling Service Financial Counseling Services of Franklin of Western Pennsylvania, Inc. 31 West 3ra Street 2000 Linglestown_Road Harrisburg, PA 17102 (717) 541-1757 Waynesboro, PA 17268 (717)762-3285 Urban League of Metropolitan Harrisburg N.6~' Street Harrisburg, PA 17101 (717)234-5925 FAX# (717) 234-9459 Community Action Comm of the Capital Region 1514 Derry Street Harrisburg, PA 17104 (717) 232-9757 FAX (717) 234-2227 YWCA of Carlisle 301 G. Street Cazlisle, PA 17013 (717)243-3818 EAX# (717) 731-9589 Adams County Housing Authority 139--143 Carlisle Street Gettysburg, PA 17325 (717) 334-1518 FAX (717) 334-8326 In accordance with the Fair Debt Collection Practices Act, Title 15 U.S.C. 31692(g), you may dispute the validity of this debt, or any portion thereof, if you do so in writing within thirty (30) days after receipt of this notice. If you dispute the validity of this debt or any portion thereof within this thirty-day period, this firTrr will provide you with written verification thereof, otherwise the debt will be assumed to be valid. Please be advised this is an effort to collect a debt. Any and all information obtained will be used for that purpose. cc: Audrey J. Rosario-Otero, Allfirst us. PosTAL SERVICE CERTIFICATE OF MAILING MAY BE USED FOR DOMESTIC AND INTERNATIONAL MAIL, DOES NC PROVIDE ROR INSURANCE-POSTMASTER Repeived Rrom: LAW ~FFICF, JAMES, SMITI{; DUIZHIN ~ ~y~pj CONNELLYLLP P.O. BOX 650 HERSHEY, PA 17033 b One piece of ordinary mail addressed to: ~uic~ ~. 1-Rolle-~. 38~ Eab~r~ 4anxD~ ~s1ue., ~`_o_c"l~slW._. PP a~~l?a ~~•`~ ~_ ,.r° 4r , i ~~ '. ~~..' p ~. A~~~p~, ..x~ y Nancy W. Rook Holland 380 Hollow Brook Drive Carlisle, PA 17013 ACT 91 NOTICE ~ c Apri19, 2001 Via Certified Mail - Retum Receipt Requested Regular U.S. Mail TAKE ANION TO SAVE YOUR H010~IE FROM FORECLOSURE This is an official notice that the mortgage on your home is in default and the lender intends to foreclose. Specific information about the nature of the default is~rovided in the attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (I~,MAPI maybe able to help to save your home. This Notice explains how the program works To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 BAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when yon meet with the Counseling Agency. 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 any questions you may call the Pennsylvania Housing_Finance Agency toll free at 1-800-342-2397 (Persons with impaired hearing can call (717) 780-18691. 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 baz association maybe able to help you find a lawyer. LA NOTIFICACION EN ADNNTO ES DE SUMA IMPORTANCIA, PLIES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTTFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE5 SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE 5ALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDINIIR SU HIPOTECA. .• HOMEOWNER'S NAME(S): PROPERTY ADDRESS: LOAN ACCT. NO.: ORIGINAL LENDER: David J. Holland and Nancy W. Rook Holland 380 Hollow Brook Drive, Cazlisle, PA 17013 0001914159 Dauphin Deposit Bank and Trust Company CURRENT LENDER/SERVICER: Allfirst f/k/a Dauphin Deposit Bank and Trust Company 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 MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOU DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF 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. IF YOU DO NOT APPLY FOR EMERGENCY EXPLAINS HOW TO BRIlVG 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 roro~ertv is located aze set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise you 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 Applicafion with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR 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. 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 ou have filed bankru tc ou can still a 1 for Emer enc Mort a e Assistance HOW TO CURE YOUR MORTGAGE DEFAULT Brine it up to date). NATURE OF THE DEFAULT -the MORTGAGE debt held by the above Lender on your property located at: 380 Hollow Brook Drive. Carlisle, Pennsylvania 17013 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: monthlypayments of $598.58 each for the months of August 1998 through March 2001 for a total monthlypayment amount of $19,154.56. Other Charges (explain/itemize) Bank Fees in the amount of $368.35, attorneys fees in the amount of $250.00, less money in sustiense of $2,092.48. TOTAL AMOUNT PAST DUE: $17,680.43 5 ~ . i ~ HOW TO CURE DEFAULT -You may cure the default within THIRTY (30) DAY5 of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $ 17,680.43 ,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 monev order made payable and sent to• James, Smith, Durkin & Connelly LLP ATTN: Scott A. Dietterick, Esquire P.O. Box 650 Hershey, PA 17033 IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its riEhts to accelerate the mortsaae 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 foreclosure neon yonr mort2ased 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 attomeys, 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. If you cure the default within the THIRTY (30) DAY period, 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. 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 rieht to cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale. You may do so bypayina the total amount then past due, plus anv late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and anv other costs connected with the Sheriff's Sale as specified in writing by the lender and by performin¢ anv other requirements under the mortg_ga,e_Curingynur default in the manner set forth in this notice will restore your mortgage to the same position as if you have never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such aSheriff' s-Sale of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriff s Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the e , 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: Allfirst Address: P.O. Box 60890, Harrisbur¢, PA 17106-0890 Phone Number: (717) 565-2722 Fax Number: (717) 565-2720 Contact Person: Andrey J. Rosario-Otero EFFECT OF SHERIFF'S SALE -You should realize that a Sheriffls Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -You may or XXX 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. J ' . a ~ • ~ t • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING CUMBERLAND COUNTY Consumer Credit Counseling Service Financial Counseling Services of Franklin of Western Pennsylvania, Inc. 31 West 3rd Street 2000 Linglestown Road Hamsburg, PA 17102 (717) 541-1757 Waynesboro, PA 17268. (717)762-3285 Urban League of Metropolitan Harrisburg N. 6`h Street Harrisburg, PA 17101 (717) 234-5925 FAX# (717) 234-9459 Community Action Comm of the Capital Region 1514 Derry Street Harrisburg, PA 17104 (717)232-9757 FAX (717) 234-2227 YWCA of Carlisle 301 G. Street Carlisle, PA 17013 (717)243-3818 FAX# (717) 731-9589 Adams County Housing Authority 139--143 Carlisle Street Gettysburg, PA 17325 (717)334-1518 FAX (717) 334-8326 In accordance with the Fair Debt Collection Practices Act, Title 15 U.S.C. a1692(g), you may dispute the validity of this debt, or any portion thereof, if you do so in writing within thirty (30) days after receipt of this notice. If you dispute the validity of this debt or any portion thereof within this thirty-day period, this firm will provide you with written verification thereof, otherwise the debt will be assumed to be valid. Please be advised this is an effort to collect a debt. Any and all information obtained will be used for that purpose. cc: Audrey J. Rosario-Otero, Allfirst U.S. POSTAL SERVICE CERTIFICATE OF MAILING MAY BE USED FOR DOMESTIC AND INTERYVA"}IONAL~MgIL, pOES NO PROVIDE FOR INSURANCE-POSTMASTER fleceivetl Frort LAW or"F'1Cr'. JAMES, SMITH, DIJRKII'1 & ~~) CONNELLY LLP P.O. BOX 650 HERSHEY, PA 17033 One piece of ordinary mail addressed to: -- I~car`~c.~ i~ . P~o~L ~o11cj°u7i ~$C7 Nollcn.,.> ParT~©k 7Ja-ive- Cc~c-1 ~ s la_. P R 1, 013 - ~ PS Form 3817, Mar . 1969 , ` ; 9 s® .,..,, ®' 1 Ie a • a :: ,; m _ s . , ~ ra~ Postage 3 r s~ ~+ r 1 Cercified Fee ` L a pi v g R ~ ~ Return Receipt Fee (Entlorsement Required) ,l F Postd°iar~ I , ~ tt l e - O Restricted Delivery Fee ~ s~i p (Entlorsement Required) ~ p Tolal Postage & Fees ~j ~ .°~ ~ '~~ ' ' ~ m - ~ Name (Please Print Clearly) (to be completed by mailer) --Bala.ree,~_w • ~_ _ofC i~-ot Icy.-~1 Sh t Q ee ,~jApt No, o[~ O Box No - qq~~~ y ----- ' ~ ~ City §taie, ZIP+4 ----- I 1 '. i I - + w, , ~ !, x 1 i ~ ~ N ~ ~I VERIFICATION I, Audrey J. Rosario-Otero, authorized representative for Plaintiff, depose and say subject to the penalties of 18 Pa.C.S.A., sec.4904 relating to unsworn falsification to authorities that the facts set forth in the foregoing Complaint in Mortgage Foreclosure are true and correct to the best of my information, knowledge and belief. r~ JvI v Audrey J. R at o-Otero Assistant Vice President ,w„ CASE NO: 2001-04174 P SHERIFF'S RETURN - REGULAR COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND ALLFIRST ET AL VS HOLLAND DAVID J ROBERT FINK Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon HOLLAND DAVID J the DEFENDANT at 1740:00 HOURS, on the 10th day of July 2001 at 380 HOLLOWBROOK DR CARLISLE, PA 17013 by handing to DAVID HOLLAND 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: DockeCing 18.00 Service 3.25 Affidavit .00 Surcharge 10.00 .00 31.25 Sworn and Subscribed to before me this n23n.~ day of ,.,.2 ayp ) A. D . r thonotar So Answers: ~~ R. Thomas Kline 07/11/2001 JAMES SMITH DURKIN & CONNELLY eput She f ..,5 CASE NO: 2001-04174 P SHERIFF'S RETURN - REGULAR COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND ALLFIRST ET AL VS HOLLAND DAVID J 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 was served upon HOLLAND NANCY W ROOK the DEFENDANT at 1740:00 HOURS, on the 10th day of July 2001 at 380 HOLLOWBROOK DR CARLISLE, PA 17013 by handing to DAVID HOLLAND a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing 6.00 Service .00 Affidavit .00 Surcharge 10.00 .00 16.00 Sworn and Subscribed to before me this .t3~ day of ~E.. .Jr 1 A.D. Qw~ ~ ~ ~~ thonotary So Answers: R. Thomas Kline 07/11/2001 JAMES SMITH DURKIN & CONNELLY By: D ty~ i~~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ALLFIlZST, f/k/a DAUPHIND DEPOSIT BANK AND TRUST COMPANY, CIVIL DIVISION NO.: 01-4174 CIVIL Plaintiff, v. DAVID J. HOLLAND and NANCY W. ROOK HOLLAND, TYPE OF PLEADING: PRAECIPE TO WITHDRAW COMPLAINT IN MORTGAGE FORECLOSURE Defendant(s). CODE: FILED ON BEHALF OF: Allfirst Bank, f/k/a Dauphin Deposit Bank and Trust Company, Plaintiff COUNSEL OF RECORD FOR THIS PARTY: Scott A. Dietterick, Esquire PAID #55650 James, Smith, Durkin & Connelly LLP P.O. Box 650 Hershey, PA 17033 (717) 533-3280 ,. ~~~. ~. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ALLFIRST, f/k/a DAUPHIN DEPOSIT BANK CIVIL DIVISION AND TRUST COMPANY, NO.: 01-4174 CIVIL Plaintiff, vs. DAVID J. HOLLAND and NANCY W. ROOK HOLLAND, Defendants. PRAECIPE TO WITHDRAW COMPLAINT IN MORTGAGE FORECLOSURE Please mark the Complaint filed at the above-captioned term and number WITHDRAWN, without prejudice. Respectfully JAMES, SMI~fI„pU1 & CONNELLY LLP BY: Scott A: i eri k, Esquire Attorneys f r Plaintiff PA I.D. # 55650 P.O. Box 650 Hershey, PA 17033 (717)533-3280 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ALLFIRST, f/k/a DAUPHIN DEPOSIT BANK CIVIL DIVISION AND TRUST COMPANY, NO.: 01-4174 CIVIL Plaintiff, vs. DAVID J. HOLLAND and NANCY W. ROOK HOLLAND, Defendants. CERTIFICATE OF SERVICE The undersigned hereby certifies that a true and correct copy of the foregoing Praecipe to Withdraw Complaint in Mortgage Foreclosure was served on the following this ~ 5~' day of August 2001, via First Class U.S. Mail, Postage Pre-Paid: David J. Holland Nancy W. Rook Holland 380 Hollowbrook Drive Carlisle, PA 17013 Respectfully Submitted: JAMES, BY: ~ Scott A. ie ric Attorneys fo lainti PA I.D. # 55650 P.O. Box 650 Hershey, PA 17033 (717)533-3280 CONNELLY LLP r =; __ ~ ~~ ~ ;, rn r ,~ z :,: ;v - z.,; ` - rc= _ ~ == - y C" ,~ a T ~ ' Gl7 ~