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Home My WebLink About01-04845BANKONE, NATIONAL ASSOCIATION, TRUSTEE Plaintiff vs. CHARLES J. SMEIGH Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA Q~ - ~/~`'~5 CIVIL ACTION -LAW ACTION OF MORTGAGE FORECLOSURE THIS FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTINGTO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAIlVED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after the 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 Ehe case may proceed without you and a judgment maybe entered against you by the Court without further notice for any money claim in the Complaint of for any other claim or relief requested by the Plaintiff You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 717-249-3166 AVISO LE FIAN DEMANDADO A USTED EN LA CORTE. SI DESEA DEFENDERSE CONTRA LAS QUEJAS PERESENTADAS, ES ABSOLUTAMENTE NECESSARIO QUE USTED RESPONDA DENTRO DE 20 DIAS DESPUES DE SER SERVIDO CON ESTA DEMANDA Y AVISO. PARR DEFENDERSE ES NECESSARIO QUE USTED, O SU ABOGADO, REGISTRE CON LA CORTE EN FORMA ESCRITA, EL PUNTO DE VISTA DE USTED Y CUALQUIER OBJECCION CONTRA LAS QUEJAS EN ESTA DEMANDA. '~ RECUERDE: SI USTED NO REPONDE A ESTA DEMANDA, SE PUEDE PROSEGUIR CON EL PROCESO SIN SU ~?ARTICIPACION. ENTONCES, LA COUTE PUEDE, SIN NOTIFICARIO, DECIDIR A FAVOR DEL DEMANDANTE Y REQUERIRA QUE USTED CUMPLA CON TODAS LAS PROVISIONES DE ESTA DEMANDA. POR RAZON DE ESA DECISION, ES POSSIBLE QUE USTED PUEDA PERDER DINERO, PROPIEDAD U OTROS DERECHOS IMPORTANTES. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATEAMENTE. SI NO CONOCE A UN ABOGADO, LLAME AL "LAWYER REFERENCE SERVICE" (SERVICIO DE REFERENCIA DE ABOGADOS), (215) 238-6300. CUMBERLAND COUNTY LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 717-249-3166 BANKONE, NATIONAL ASSOCIATION, TRUSTEE, Plaintiff vs. CHARLES J. SMEIGH, Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION LAW ACTION OF MORTGAGE FORECLOSURE THE FOLLOWING NOTICE IS BEING PROVIDED PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.C. 1601 The undersigned attorney is attempting to collect a debt owed to the Plaintiff, and any information obtained will be used for that purpose. The amount of the debt is stated in this Complaint. Plaintiff is the creditor to whom the debt is owed. Unless the Debtor, within thirty (30) days after your receipt of this notice disputes the validity of the aforesaid debt or any portion thereof owing to the Plaintiff, the undersigned attorney will assume that said debt is valid. If the Debtor notifies the undersigned attorney in writing with the said thirty (30) day period that the aforesaid debt, or any portion thereof , is disputed, the undersigned attorney shall obtain written verification of the said debt from the Plaintiff and mail same to Debtor. Upon written request by Debtor to the undersigned attorney within said thirty (30) day period, the undersigned attorney will provide debtor with the name and address of the original creditor if different from the current creditor. PURCELL,KRUG & HALLER 1719 North Front Street Harrisburg, PA 17102 (717)234-4178 Attorney I.D.# 15700 Attorney for Plaintiff .,,„. BANKONE, NATIONAL ASSOCIATION, TRUSTEE, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION -LAW vs. ACTION OF MORTGAGE FORECLOSURE CHARLES J. SMEIGH, Defendant COMPLAINT IN MORTGAGE FORECLOSURE ` 1. Plaintiff is BANKONE, NATIONAL ASSOCIATION, TRUSTEE, a national association, acting through its servicing agent, Homecomings, Financial Network, Inc. whose address is 9275 SKY PARK COURT, SUITE 300, SAN DIEGO, CA 92123. ~ 2. Defendant, is CHARLES J. SMEIGH whose last known address is 268 CARLISLE AVENUE, ENOLA, PA 17025. 3. On or about, August 9, 2000, the said Defendant executed and delivered a Mortgage Note in the sum of $38,950.00 payable to AMERIQUEST MORTGAGE COMPANY, which Note is attached hereto and marked Exhibit "A". 4. Contemporaneously with and at the time of the execution of the aforesaid Mortgage Note, in order to secure payment of the same, Defendant made, executed, and delivered to original Mortgagee, a certain real estate Mortgage which is recorded in the Recorder of Deeds Office of the within County and Commonwealth in Mortgage Book 1631, Page 813 conveying to original Mortgagee the subject premises. 5. The land subject to the Mortgage is: 268 CARLISLE AVENUE, ENOLA, PA 17025 and is more particularly described in Exhibit "B" attached hereto. 6. The said Defendant is the real owner of the property. 7. The Mortgage is in default due to the fact that Mortgagor has failed to pay the instalhnent due on Mazch Ol, 2001 and all subsequent instalhnents thereon, and the following amounts aze due on the Mortgage: UNPAID PRINCIPAL BALANCE Interest at $15.70 per day From 02/01/2001 To 09/01/2001 (based on contract rate of 14.5250%) Accumulated Late Chazges Late Charges $28.66 From 03/01/2001 to 09/01/2001 Escrow Credit Attorney's Fee at 5% of Principal Balance TOTAL $38,911.15 $3,328.40 $0.00 $171.96 ($410.44) $1,945.56 $43,946.63 **Together with interest at the per diem rate noted above after September O1, 2001 and other charges and costs to date of Sheriffs Sale. 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 parry purchaser at Sheriff's Sale. If the Mortgage is reinstated prior to the sale, reasonable attorney's fees will be charged that are actually incurred by Plaintiff. 8. No judgement has been entered upon said Mortgage in any jurisdiction.. 9. Plaintiff has complied with the notice procedures required by Pennsylvania Act 160 of 1998 by sending to each Defendant, by regular mail, a copy of the Combined Act 6/91 Notice. A true and correct copy of the Combined Act 6/91 Notice, along with a copy of the Certificate of Mailing, is attached hereto as Exhibit "C". 10. Defendant is not a member of the Armed Forces of the United States of America, nor engaged in any way which would bring him within the Soldiers and Sailors Relief Act of 1940, as amended. 11. The Defendant has either failed to meet the time limitations as seY forth under the Combined Act 6/91 Notice or has been determined by the Pennsylvania Housing Finance Agency not to qualify for Mortgage Assistance. WHEREFORE, Plaintiff demands judgment in mortgage foreclosure "IN REM" for the aforementioned total amount due together with interest at the rate of 14.5250% ($15.70 per diem), together with other charges and costs including escrow advances incidental thereto to the date of Sheriff's Sale and for foreclosure and sale of the property within described. By: PURCELL,KRUG & HALLER Leon P. Haller, Esquire Attorney for Plaintiff I.D. # 15700 1719 N. Front Street Harrisburg, PA 17102 (717-234-4178) e ~~ Loaa No. 17118076.5697 ADJUSTABLE RATE NOTE (LIBOR Index • Rata Caps) THIS NOTE CONTAIN8 PROVISIONS AI-LOWING FOR CHANGES Iti MY INTEREST RATE AND MY MONTHLY PAYMENT. THIS NOTE LIMBS THE AMOUNT MY INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE 1 MUST PAY. JWy 26, 2000 ORANGE CA (Dale] [CINI [SCI 2b6 CARLISLE AYE - ENOLA, PA 17025 tpropery Address) 1. BORROMIER'S PROMISE TO PAY In realm for a loan that l have reeelved, I promise m pay U.S. S 38,950.00 ((his amount ie called "pdndpaP), plus Interest b the order of the Lender. The tender is AMERIQUEST MORTGAGE COMPANY I untlerstand that the Lander may transfer this Note. The Lender or arryane who takes this Note by transfer antl who Is err8tled to receive payments under We Note b called the "Note Hoder." 2. INTEREST Interest will ba charged on unpaW princtyal un01 the MI amoum of pnndpal has been paitl. I w01 pay Interest at a yearly rate of 14.515 %, This interest rele I wgl pay may change in actardartc0 with Sectlan 4 of this Nple. The Ntereal tale regWred by this Secflarr 2 and Section 4 of Chia Note 19. the rete 1 will pay both before and after any default tlescdhetl in Sedion 7(B) 01 Mis Note. 3. PAYMENTS (A) nine and Plats M Paymerrts 1 win pry principal and interest by making paymenb ever? nwnlh. 1 will make my momhN paymenb on the flret day of each month beginning on September I , 2000 I will make these payments every mwrM urrtll I have paid all of the pdncipel and inerest and any oMer charges descdhed beWw drat I may owe under this Nate. My monthy peymenb wig ha applied m Interest before pdndpal, H, on August. I , 2030 , I atlll owe amoums under Mis Note, I will pay those amormb in full on that date, which Is rslletl the "Metudty Date' - 1 wNl make my paymens at: 503 SOUTH MAIN STREET, S1E. 6000 ORANGE, CA 92868 ar at a tllBerem place if required by the Note Holder. (B) Amount of My Inhlal Monthty Paymenq Each of my inBlal momhy peymems wig ba in the amount of U.3.3 477.74 This amount may change. (C) Monfhty Payment Changes 'Changes in my monthly payment will reflect changes in Me unpaid pdndpal of my Man and in the interest rate Mel I must pay. The Note Hdtlar wig darermine my new inreresl rats and Ma changed amount of my monhly payment In accordance wIM Secton 4 of Mis Nato, 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates Tha interest rate 1 will pay may change on the nrst day of August 1, 2002 ,and on that tlay every aixM month Mereaftar, Each rote on which my interest rete mould change la caned a •ctar,tle Gate' (B) The Index Beginning wIM the flrst change Date, my Interest rate wgl be besetl an an Intlex. The 'Intlex' is Me average of interbank oROred rates for six-monM U.9. dollar-0anpminated depoaib in the LoMOn market ("LIBOR'), as puhllehed in The We!! Street Joumel. The most recent Indezflgure wegeble as of the date 45 days before the Change Date is called the "Curtain Indez." 8 at any point In Ome the Index b no maser evagable, the Note Holder will choose a new Index that M basetl upon compareble IMOmutlon. Tha Note Healer wig glue me notke of Mie cholca. (C) Calculatlon of Chsngq . Before each Change Date, the Note Holder wig wMulete my haw merest rata by auding Seven and Ora Balrrh paroentage point(s) (. Lau rye) to Me Cunem Index. The Note Holder will then round the result of Mfs edditlon to the rrearastontreieM Drone perWm (0.125%). SuhJect to the dmib stated In Section 4 ^) below, this rounded amount will ae rrry new merest rata unar the ne,d Change Date. The Note Holtler wgl then detennma the amount of the monmN paymem that wauM he aufgdent to repay the urm,rd udndpal Mat 1 am expanded m cwe ::the Change Oats to tua on the Maturity Dala at my haw interest rate in suhstarrOalN equal p"vmenta. The result of Mis calcula0on will be Ma new amount of my monthly peymenL meals. lof3 troasmree~aer, Loan No. 1711807b-5697 (D) U1nib en Imarest Rate ChanOea Tha inmrast rate 1 am required m pay at the first Change Date will not be greater Man ~ 16.525 % or less Men 14.525 %. Thereefler, my interest rate will never be Increased or decreased on any single Charge Dam by more Man Oae Percentage pdntls) ( l,ppp %) from the rate • of inmrest I have been payag for Me preceding Slx months. - My imarest rere will never Ire greater Man 20.525 H° or less than 1q,5u %. (E) EimctWe Dam of Changes My new interest ram will !retorts ettecOve an each Change Date. I will pay Me amount of my new monMly payment beginning on Me first rrgmhty paymerd date after the Change Dam unOl Me amount of my monttrty payment changes again. (F) Nollu of Changes The Nom Helder wR delNeror mail m me a notlce of arty changes in my inmrest ram and the amount of my monthty payment before Me a0eclive dam of arty change. The notice will include Irrmnnedon required by law m 6e given me end abo Ma dIm and telephone number of a permn who witl answer any questlon I may have regarding Me nogce. 5. BORROWER'S RIGHT TO PREPAY I may repay Mis Nom at arty Dare aS prevmed mrln Mis paregreph. If, wtthin flue (5) years from Me dam of Me ezecu0on of the Mengage ar Dead whmh sxurea Mm Npb, I metre a volunbry or invomnmry prePaymeM during any conseadAe twelve (72) monM pedotl d arty amount m excess elf twenty percent (20°A) of the original prindpal amoum of this Nom, I agree m pay a prepayment charge equal m sDt (O) monMs advarxa interest an aA emounm paid in excess of my scheduled momhty paymems that have cerrm due u of the dam of prepayment. 0. LOAN CHARGES If a law, whirJr applies to Mis man and which seta merdmum loan charges, w finally inmrprebd so that the imereet or other loan charges couedetl or m 6e colmcmd m connectlon with Oda man exceed Me pennitled Iimim, then: 0) any such man charge shall be reduced by Ma amount necessary m reduce the charge m Me permitted Iimih and (il) any sums already ccilected from me which ezceede0 permmed Omits wiB De rehmded m me. The Nam Holder may chocse m make Mis refund by redudng Me pdncµtel 1 owe under Mis Nom or by mamrg a Mred payment m me. If a refund reduces the pnrrdpal, the reduction will ba treated ae a paNat prepayment 7. BORROWER'S FAILURE TO PAY AB R@OUIRED (A). Late Charges mr Werdne PaynraMS If the Nom Homer has not received the full amount of any momhty payment by the end of OReea calendar days after Me dale it b due,1 will pay a mle charge m Me Nom Holder. The emcum of Me charge wiO be 6.0110 %of my overdue paymem of principal and interest 1 wiO pay Mia late drags prompgy but Doty once an each mm payment (B) Dsfsult If I do not pay the full amoum of each manfhty payment on me date it is due, I will be in default (C) Notfw of Dabult If 1 am in tlemutt, Me Nom Holder may send me a wdlmn rwtica telling me that g I do tint pay the overdue amount by a certain date, Me Nom Holder may reqube me m pay immedleley Me full amount of principal which has not been paid and all Me interest Mal I owe on that amoum. Toe dale must he at Isast 30 days attar IM dam on which the notice is delNared or mailed m me. (D) No Waiver by Nom Holdx Even g, et a Ome when I inn m detauO. Me Note Folder does nd require me m pay immediately in full as deacdDed above, Me Nom Homer will s011 have iM rlgMm do eo 01 am in default at a later Ome. (E) Payrrremot Kota Holder's Coat and Expenses . O Ma Note Helder nee regriretl ma tP pay immedmmty In hell as de8cdbetl above, Me Nom Homer wiO have Me right m ba pain beck by me for a0 of Oa eggb and expenses in eNOroing Mis Nom m the exmnt not prohihketl try aDPllce6le law. Those expanses indutle, for example, reasoaabla aOOmeys'tees: 8. GIVING OF NOTICES Unless aPpOCame mw requam a di0erent method, any no0ee u.at must he given m me under Mis Nara wOl ba gNen try delivering k or try mailing It bytast lose matt m me at Me Property Address above «al a d(([erzmt address If I glue Me Noes Holder a notice of my tliflerent address. Any rrotlce Mat must be given m Me Note Holder under Mis Nom will 6e given W mailing u ~y Bret loss mall m A. Note Homer M Hre address soled rn 38Dflmr 3(A) above or at a diflerem address O I am gNen notice of Mat ditterem adrkoes. 9. OBLIGATIONS OF PERSONS UN~R THIS NOTE If more than one person 81gt16 MB Nom, each oereon is hdty and pmonally abligemd m keep all of the promises made in Mis Nom,. incOWmg Me premlae b pay the SA anwum owed. My person w;a n. auarenmr, surety or endorser of Mis Note is also obligated to do Mere Mings. Arty pereen who lakes over these ohligatbna, Inauding the olugatmns of a guarantor, surety or endorser of mi8 - Note, Is also obfipel~ m key all of Me pomiaes made In Mis Nom. The Nom Helder may emofce im dghLq under Mis Note against each person IndNfdualty or agrdnst eO of u8 ingather. This xraans that arty ens of us may os required m pay all of Ih0 amdunb owed under Mis Nom. 10. WAIVERS. I and any other person who rlaa obfgatmns ureter Mis Note waNe Me rights of preaentmam and notice of tlisnenor. "Presentment means Me right m require Ora Note Folder m demand payment of amounts due. 'NOOCe of Dishonor° means Ore fight m require Me Note Holder fo give rgfke b oMer parsons Mat amcunb due have not bean pain. I°Itlw r~ tw:nm rr.".rarr 2of 3 o ~ ~o ADJUSTABLE RATE- RIDER (L®OR Index -Rate Caps) Lora No. 171180765697 THIS ADIUSTABLE RATE RIDER is made this 26th day of Jtily 2000 , evd is incorporated into and shell be deemed to amend and anpplement the Mongage, Deed of Tmat, or Security Deed (the "Security Instrument") of the same date given by the mdersigned (the °Horrower") [o enure Borrower's AdjttsmbleRam Note (the "Note") to AMERIQUFST MORTGAGE COMPANY (the °I.ender") of the same date and coveting the property described in the Security Instmment avd located at: Z68 CARLISLE AVE ENOLA, PA 17025 lP,aprrtY Add,eas7 THIS NOTE CONTAINS PROVISIONS ALLOWEVG FOR CHANGES IlV THE INTEREST RATE AND THE MONTHLY PAYMENT. THE NOTE I"II1RT3 THE AMOUNT THE BORROWER'S INTEREST BATE CAN CHANGE AT ANY ONE T)ME AND THE 0fAlfatIUSI RATE THE BOBROWER MUSE PAY. ADDITIONAL COVENANTS. to additlan m ~Ote covenants and agreements made in' the Security taatwrcm, Borrower, and lemiet' furdter covenant and agree as follows: A. INTEREST' RATE Alm MONTHLY PAYMENT CHANGES The Nom provides for m inMai interest rate of 14.325 %. Tne Noce providm for changes in the interest rtue and the momhly payments, as foliowa: 4. 1NTERESf AATB AND MONTHLY PAYMENT CHANGES (A) Change Dmm The ioteres ram I wW ptry may change an we fast day of Augnsl 2002 ,and on that day every sixth tmnth thereafla'. Each dam on which tmJ interen rate could change is called a "Change Date." (B) The Index Begin>hng with the first CWnge Date, my intermt ram will be based on an Index. The "Indn" is the average of intedraox offered rates for nix-month U.S. dollaz-0momiaared deposiU in the Iopdon tttazket ("LIEOJR"), as published to The WaU Street Jpmna[. The moat recent Index figure available as of tke date 45 days before each Change Dace is called ibe "llvrmt index." IC the Irtdex is rm longer available, the Nate Holder will choose a new index that is based upon comparable information. The Nom Holder wiB give me notice or this choice. (C) CakWepon of Chengm Before each Change Dam, the Note Holder will calculate my new interest rate by adding 6even end One Eighth ~ pertxnmge points(s) ( 7.125 q) to fie Curren Index. The Nom Holder will then round the tend[ of this addition to the nearest one-eighth of one percwuge point (0.12596), Subjdx m the limits stated in Section 4(D) below, this routtded amotmt wOl 6e my new interns[ ram ttvdl the titan t=hauge Date. -- The Note Holder wBl the determine Ore amount of the twnthly payment Oaz would be sufficient to repay the unpaid ptin~tipal Out I am expected to owe a the Change Date in full on the Maturity Date at my new interest rate iv aubatmOally equal pay~ots. The resin[ of ibis calculation will be the new amount of my monthly payment rmnalrtnl~[ Pyslv(2 IIti112Ia:~ oreowtulm, r1A (O111REV. LA1 Bou11531facc 821 ® ' Loan Na 1711g076A697 (D) LiWts on Interim hate Changan . The interest rate I am required m pay az the first Change Date will not be greater then 16.923 % or Iss than 14.523 %. Thereafter, my Wterest rate will never be increased or decreased on any single Change Date by more them One percentage pokt(s) ( 1:000 %) from the rate of mteren I have been paying for the preceding six tmmhs. My irnerest rate w311 never be greater then 20.525 % or less then 14.525 %. (E) ERadve Date of Chamges My crew interest mk will become effective on each Change Dak. I will paY Um amount of my new monthly paymem begioming on the Brst monthly payment date after the Change Date until the enmunt of my monthly payment chenges again. (F) Notice of Chang® The Nok Holder will deliver or mail to me a notice of any changes in my interest rue and dte amount of my monthly payment before the effective due of any change. 'lbe entice will include inforrnuioa requ'ved by law to 6e given me and also Ne UUe and telephone number of a person who will answm any quesdon I may have regarding the tlodce. B. TRANSFIr.R OF THE PROPERTY OR A BENEFICIAL INTEREST Qd BORROWER Uniform Coveoam 17 of We Security Inswnunt is amended m read as follows: Transfer of the Properly or a Beneficial interact m Borrower. if all or any pan of the Property or any interest in it is sold or ttansfemd (or if a 6easOcial interest in Borrower is Bold or ttamsfetted and Borrower u rat a natural person) without Leader's prior written cottsmL Lender may, az its option, require immediate payment k fuB of aU sums secured by this Security imcmunent. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. Ixader also shall not ezemise this option if: (a) Borower tenses ro be submitted m Leader information xequved by L®der m evaluate the intended transferee as if a new loam were being made to the tramfeee; amd (b) Lender reasonably determines that Lender's seenrity will rant be itnpairW by the loan assumption and thaz the risk of a breach of any covenemt or agtrement in this Severity ttlsttrmrent ss acceptabk to Lender. To the extrnrd permitted by applicable law, Lender may charge a reasonable fee as a condition to Lender's consent m the loan assumpdoo. Lender may also require the transferee to sign an assumpdon agreemen[ Drat is acceptable m Ixnder and that obligates dre transferee m keep all the promises and agreemenu made m the Note and in dtis Secmity hrattnment. Borrower wBi wnUnne ro be obligated under the Note amd this Secmity Imstmment nmw Leader releases Borrower m writing. If Lender exercises the option ro require in®ediam payrrent in full, Lender atoll give Borrower notice of acederetioa. 7'hc notice she.,'' provide a period of not less then 30 days from the date tbe notice w dct:vered or mailed within which Borrower rmust pay all mnrs sra:,..ed by this Security Instrument. If Borrower fails m pay these sums prior m the expiration of this perimd, Lender may :evoke any remedies permitted 6y this Security Ioatnntrent without furdrec notice m demand oa Bormvru. BY SIGNING BELOW, Borrower accepts oral agrees m the [emn and covenamts con[einw la Otis Adjustable Rate Rider. r, ~ of Ponnsylvznia l yb ~•'s"~Cn ~. ^c~iscap ,.i:?1-vir:....1n. rnarecnrdin66t DSeei)~ CBARLFSJSII IGH B0"pi°'r ~ .1--, t~r;,iin~.^r1.+.nd Counly,~~7$oriower mf AOIUSTABIB RA78 gm6R-LOSOR tmureonisn n.o e- ~:a~asy~: ' soa11631rncl 822 ~~.. k"""~ ._, ~ TAX-PARCEL N0. 09-13-1002-224 ALL THAT CERTAIN lot, parcel, piece of ground situate in Eaet Pennaboro Township, Cumberland County, Pennsylvania, bounded and described as Eollowa, to wit: BEGINNING at a point on the eastern line of Carlisle Avenue, said"point being One Hundred Fifty-four (154) feet, more or lees, South of the southeast corner of the intersection of said Carlisle Avenue and Church Street, said Church Street now 'being known as Shady Lane; thence~in an easterly direction along Che southern line of Lot No. 14, a distance of One Hundred Fifty (150) feet, more or less, to a point on the western line of a public alley; thence in a southerly direction along the western line of said public alley, a distance of One Hundred 1100) feet, more or leas, to a point on the northern line of Lot No. 17; thence - weaterly along the northern line of said Lot No. 17, a distance of One Hundred Fifty (150) feet, more or lees, to a goint on the eastern line of aforementioned Carlisle Avenue; thence ins northerly"direction along the eastern line of said Carlisle Avenue, a distance of One Hundred (100) feet, more or leas, to a point, THE PLACE OF BEGINNING. " HEING all of Lot Nos. 16 and 16 Block B oh the plan of Lote of Enola Terrace, said Plan being recorded in Plan Book 1 page 3. HAVING THEREON ERECTED a ranch type residence known as 268 Carlisle Avenue, Enola, PA. BEING the same premises which R. Thomas Kline, Sheriff of Cumberland County by ~~' deed dated September 20, 1999 and recorded Spetember 21, 1999 in the office of " the Recorder of Deeds for Cumberland County in Deed Book 2OH page 55, granted and 'conveyed to ContiMortgage Corporation eooKi63irace 820 -.,~ April 19, 2001 0432644185 Charles J Smeigh 268 Carlisle Ave Enola, PA 17D25 Re: Property Address: 268 Carlisle Ave Enola, PA 17025 Certified Mail, Retum Receipt Requested Loan Number. 0432644185 A default exists under the above referenced MortgagelDeed of Trust loan agreement. The action required to cure the defau8 is the payment of all sums due under the MortgagelDeed of Trust loan agreement. As of the date of this later the total amount due is $ 1,271.22. That sum includes the follovaing: 2 payments totaling: $ 1,213.90 Late charges: $ 57.32 Other fees and/or costs N/A Uoapplied Funds : NIA The total amount due shown above is subject to further increases for additional monthly payments, late charges, attorney fees, and/or other fees and cast which may become due, after the date of this letter. Tc obtain an update of the total amount due to cure this default, contact us at 1.800.206.2901. TO CURE THIS DEFAULT, SEND YOUR CASHIER'S CHECK, MONEY ORDER, OR CERTIFIED CHECK IN THE AMOUNT OF $ 1,271.22 BY Tviav 19, 20111 TO THE FOLLOWING ADDRESS: Homecomings Financial, P.O. Bos 78426 Plwerdx, AZ 85062-8426 OR OVERNIGIiT TO: 2445 W. Dunlap Avenue, Suite 100 Plweni8, AZ 85021-2803. If the default is not cured within thirty (30) days of the mailing of this letter, the lender, without further notice or demand, wr11 accelerate the maturity date of the Note and declare all sums secured by the MortgagelDeed of Trust to be immediately due and payable. The lender then intends to have the property sold at a public foreclosure sale. After acceleration, a curing of the default and reinstatement of the loan will be permitted up to the time of the sate by paying the past due monthly payments and other sums then due under the MortgagelDeed of Trust loan agreement and by complying with all terms oP reinstatement. You have the right to bring a court action to assert the nonexistence of a default or any other defense that may exist to prevent acceleration and sale of the property. THIS NOTICE IS SFNT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. Sincerely, Loan Counseling Department HLH ,,,~~ ACT 91 NOTICE TAKE ACTION TO SAYE YOUR HOME FROM FORECLOSTJRE THIS NOTICE I5 SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTIDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINID FROM YOU WILL BE USED FOR THAT PURPOSE. This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific inforri~tion about the nature of the default is provided in the attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HENL9P) may be 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 TH DATE OF THIS NOTICE. Take this notice with you when you meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Noice. If eau have any questions, you may call the Pennsylvania Housing Finance Agency toll free at t-800-342-2392 (Persons with impaired hearing can ca0 (7l7) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency map be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN AD.IUNTO ES DE SUMA IMPORTANCIA, PUSS AFECTA SU DERECHO A CONTINUAR V[VIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION IMMEDIATAMINTE 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 PROGRANP' EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIINIR SU HIPOTECA pate: April 19, 2001 T0: Charles 1 Smeigp 268 Carlisle Ave Enola, PA 17025 Premises: 268 Carlisle Ave Enola, PA 17025 Re: Loan Number 0432644185 FROM Homecomings Financial HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSITANCE 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 PAYMINTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISI-IED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEIWPORARY 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 amnge and attend a "face-to-face' meeting with one of the consumer credit counseling agencies listed at the end of this Notice. BRING YOUR MORTGAGE UP TO DATE. CONSUMER CRIDTT 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 ycu far thirty (3t]) 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 m'ooerty 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.} IP you have tried and are unable to resolve this problem with the lends, 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 Pace-to-face meeting LENDER CONTACT IN REGARDS TO PENNSYLVANIA HOUSING FINANCIAL ASSISTANCE Homecomings Financial Network 9275 Sky Park Court - SanDiege, CA 92123 Attn: Loss Mitigation Department, Steven Roark Phone: 1-888-810-4687, ext. 5130 ALL CORRESPONDENCE REGARDING PHFA ASSISTANCE SHOULD BE FORWARDID TO THE ABOVE REFERENCID ADDRESS. YOU MUST FD.E YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO 50 OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SEf FORTH IN THIS LEl'IER, FORECLOSURE MAY PROCEID AGAINST YOUR HOME IMh1IDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DEN®. AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. .They will be disbursal 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 fareclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notifies! directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTID BY THE FILING OF A PETTTION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSTRUID AS AN ATTEMPT TO COLLECT THE DEBT. (If you leave filed bankruptcy yon can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date7. NATURE OF THE DEFAULT -The MORTGAGE debt held by the above lender on your property located at: 268 Carlisle Ave , Enola, PA 17025 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the fallowing amounts are now past due: Monthly payments floor 03101!01 to 04101/Ol totaling: $ 1,213.90 Late Charges: $ 57.32 Other fees andlar costs (including NSF charges and property inspections): NIA LESS: Unapplied Funds: NIA TOTAL $ 1,271.22 HOW TO CURE THE DEFAULT -You may cure the default within THIRTY (30) DAYS of the date of this Notice BY PAYING THE TOTAL AMOUNT DL1E TO THE LENDER, WHICH IS $ 1,271.22, 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 navable and sent to :-, -~ . Homecomings Financial, P.O. Box 78426 Phoenix, AZ 85062-8426 OR OVERNIGHT TO: 2445 GV. Dunlap Avenue, Suite 100 Phoenix, AZ 85021-2803. 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 rieht to acceleaate the mortEaEe debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lase 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 attorney to start legal action to Foreclose upon your mortgaged property. IF TIdE 11dORTGAGE IS FORECLOSED UPON - The mortgaged property wi0 be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its aftomey, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to paq 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 map also include other reasonable costs. If you cure the default within the THDZTY f301 DAY period, you will not be required to pay attorney's Fees. OTFIER 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 lender and by perfarcmin¢ any other requirements under the mort¢a€;e. Coring your default in the mamner set forth in this Notice win restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SIERIFF'S SALE DATE - It is estanated that the earliest date that such a Sheriff s Sale of the mortgaged property could be held would be appreximately six (~ months from the date of ibis Notice. A notice of the actual date of the SherifF s Sale will be sent to you before the sale. Of c nurse, the amount needed to cure the default will incr~se the longer you wait. You may find out at any time exactly what the required gapment ar action wdl be by contacting the lender. HOW TO CONTACT THE LENDER: Homecomings Financial 2711 N. Haskell, Suite 900 Ihllas, TX 75204 Attn: Loan Counseling Department Phone: 1.800.2D6.2901 EFFECT OF THE SHERIFF'S SALE - Yau 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 tq remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may be able to sell qr transfer your home to a buyer or transferee who wID assume the mortgage debt, provided that all the qutstanding 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 SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW sincerely. Loan Counseling Department Enclosures) List of Counseling Agencies VERIFICATION I, Leon P. Haller, Esquire, hereby swear and affirm that the facts contained in the foregoing COMPLAINT for Mortgage Foreclosure are true and correct to the best of my knowledge, information, and belief based upon information provided by Plaintiff BANKONE, NATIONAL ASSOCIATION, TRUSTEE said facts contained herein are made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. Date: August 13, 2001 Leon P. Haller, Esquire (\ " \ ~J c~ ~4 W~ ~~ ~~ ~,~: ~:- ~= r=; ~-~ ~( -G ,__. ~; -_;~ (T 0 ~_~ ~-_ r~i G .. .... - - - - .. ,. _~N%M vvt.~w~--.,,. ~m ~rw+ n-e._ , , .ode rvmvy,~ .fr , i ~~ ~~mc.r,~d'. ., SHERIFF'S RETURN - REGULAR CASE NO: 2001-04845 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND BANKONE NATIONAL ASSOCIATION VS SMEIGH CHARLES J SHANNON SUNDAY Sheriff or Deputy Sheriff of Cumberland Couz~ty,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon SMEIGH CHARLES J the DEFENDANT at 1759:00 HOURS, on the 23rd day of August 2001 at 268 CARLISLE AVE ENOLA, PA 17025 by handing to CHARLES SMEIGH 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 Affidavit .00 Surcharge 10.00 .00 38.40 Sworn and Subscribed to before me this ,~~ ~ day of PrNtYionotary So Answers: R. Thomas Kline 08/24/2001 PURCELL KRUG & HALLER By . ~ " ` . ~uhr~Qa1 Deputy Sheriff BANKONE, NATIONAL ASSOCIATION, TRUSTEE, Plaintiff v. CHARLES J. SMEIGH, Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO.O1-4845 CIVII, ACTION -LAW ACTION OF MORTGAGE FORECLOSURE NOTICE TO PLEAD TO: BANKONE NATIONAL ASSOCIATION, TRUSTEE c/o Leon P. Haller, Esquire Purcell, Krug & Haller 1719 North Front Street Harrisburg, PA 17102 YOU ARE HEREBY notified to file a written response to the enclosed Answer With New Matter to Complaint In Mortgage Foreclosure within twenty (20) days from service hereof or a judgment may be entered against you. Respectfully submitted, TUCKER ARENSBERG & SWARTZ Dated: ~ ~ ~ o By: Dennis R. Sheaffer Attorney LD. #39182 111 North Front Street P.O. Box 889 Harrisburg, PA 17108-0889 (717) 234-4121 Attorney for Defendant, Charles J. Smeigh 43623.1 BANKONE, NATIONAL IN THE COURT OF COMMON PLEAS ASSOCIATION, TRUSTEE, :CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff NO. O1-4845 v. :CIVIL ACTION -LAW CHARLES J. SMEIGH, Defendant :ACTION OF MORTGAGE FORECLOSURE ANSWER WITH NEW MATTER TO COMPLAINT IN MORTGAGE FORECLOSURE 1. Denied. After reasonable investigation, Defendant is without knowledge or information sufficient to admit or deny the allegations set forth in Paragraph, and, as such, the same aze denied and strict proof demanded thereof. 2. Admitted. 3. Admitted. 4. Admitted. 5. Admitted. 6. Admitted. 7. Denied. It is specifically denied that said mortgage is in default, and particulazly, as itemized in Pazagraph 7. 8. Admitted. 9. Denied as a conclusion of law. 10. Admitted. 11. Denied as a conclusion of law. NEW MATTER 12. Plaintiff has failed to state a cause of action upon which requested relief can be granted. 13. There is no privity of contract between the Plaintiff and the Defendant. 14. Plaintiff lacks standing to bring this action. 15. Plaintiff is not a real party in interest in this matter. 16. The attorneys' fees being charged are unreasonable and unwarranted in light of the actual work performed. WHEREFORE, Defendant respectfully requests this Honorable Court to dismiss Plaintiff s Complaint. Respectfully submitted, TUCKERARENSBERG & SWARTZ By: ' 1. / Dennis R. heaffer Attorney I.D. #39182 111 North Front Street P.O. Box 889 Harrisburg, PA 17108-0889 Q (717) 234-4121 Dated: / 26~~J Attorney for Defendant 43565.1 VERIFICATION I, the undersigned, CHARLES SMEIGH, do hereby certify that the statements made in the foregoing document are true and correct to the best of my knowledge, information and belief. I understand that any false statements made to this verification are subject to the penalties of 18 Pa. C.S.A. §4904, relating to unsworn falsification to authorities. DATE: ~ ~. !o D I ~/~~~ Charles 5meigh CERTIFICATE OF SERVICE AND NOW, this ~~ day of 2001, PAULA J. BEITER, for the firm of TUCKER ARENSBERG & SWARTZ, attorneys for hereby certify that I have this day served the within document by depositing a copy of the same in the United States Mail, postage prepaid, at Harrisburg, Pennsylvania, addressed as follows: Leon P. Haller, Esquire Purcell, Krug & Haller 1719 North Front Street Harrisburg, PA 17102 PAULA J. BEI R BANKONE, NATIONAL ASSOCIATION, TRUSTEE, Plaintiff vs. CHARLES J. SMEIGH, Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND CO., PENNSYLVANIA NO. 01-4845 CIVIL ACTION -LAW IN MORTGAGE FORECLOSURE ORDER AND NOW, this ~Z""day of , 2001, based upon review of the Plaintiff's Motion to File an Amended Complaint and based upon the Defendant's consent to the Motion, IT IS HEREBY ORDERED AND DIRECTED that Plaintiff is permitted to file an Amended Complaint in Mortgage Foreclosure. Distribution: Jill M. Wineka, Esq., 1719 North Front St., Harrisburg, PA 17102 ~ Dennis R. Sheaffer, Esq., 111 North Front St., P. O. Box 889, Harrisburg, PA 17108-0889 ~O~G° ~o.aanuf '7`~~ M C ~. J~s-~- "' }<C CJZi ~ ~-~Q t._ _.. ~ f'1 J ~,'_ . ~>- t _ !~ ~Y ' ( ~ mot, ~ _ l 'f •- a cQ 2 d 1 u_ C) :~ J C.7 X70 S,~ BANKONE, NATIONAL ASSOCIATION, TRUSTEE, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND CO., PENNSYLVANIA vs. NO. 01-4845 CHARLES J. SMEIGH, :CIVIL ACTION -LAW Defendant IN MORTGAGE FORECLOSURE PLAINTIFF'S MOTION TO FILE AN AMENDED COMPLAINT AND NOW, comes the Plaintiff, BankOne, National Association, Trustee, through its Servicing Agent, Homecomings Financial Network, Inc., and files this Motion to File an Amended Complaint and avers as follows: 1. On August 16, 2001, the Plaintiff filed a Complaint in Mortgage Foreclosure. 2. On or about September 26, 2001, the Defendant filed an Answer with New Matter. 3. In the Plaintiff's Complaint, Paragraph 4 should have included language indicating that the original Mortgage was subsequently assigned to the Plaintiff, BankOne, National Association, Trustee. 4. The Plaintiff intends to file an Amended Complaint, including the aforementioned factual averment. 5. Per a phone conversation between Plaintiffs counsel, Jill M. Wineka, Esquire and Defendant's counsel, Dennis R. Sheaffer, Esquire, the Defendant consents to the filing of an Amended Complaint. WHEREFORE, the Plaintiff respectfully requests this Honorable Court to grant its Motion and to permit the Plaintiff to file an Amended Complaint in Mortgage Foreclosure. Dated: ~ U I I Z'(} Respectfully submitted, ~- YV~ Jil .Wineka, Esquire At rney ID # 58802 Leon P. Haller, Esquire Attorney ID # 15700 PURCELL, KRUG & HALLER 1719 North Front Street Harrisburg, PA 17102 (717) 234-4178 Attorneys for Plaintiff CERTIFICATE OF SERVICE I, Barbara A. Shadel, an employee of the law firm of Purcell, Krug & Haller, do hereby certify that I served a true and correct copy of Plaintiffs Motion to File an Amended Complaint upon the following by depositing same in the United States Mail, First Class Postage, Postage Prepaid, addressed as follows: Dennis R. Sheaffer, Esquire Tucker, Arensberg & Swartz 111 North Front Street P. O. Box 889 Harrisburg, PA 17108-0889 Attorney for Defendant, Charles J. Smeigh ~', r~~c.C~-. arbara A. Shadel Dated: ~D)lalU~ (fcl\homecomings\smeigh\Mot to File Amended Comp) n o ~~ _._ -, mm ue ~+ 3 ..-o r-, " s -. _ _. r ~-' C -rJ w.i.~ 1 y ZC --' 7 __ s' .rs e _ =n, fi „ . I r ' BANKONE, NATIf)NAL ASSOCIATION; TRUSTEE Plaintiff vs. CHARLES J. SMEIGH Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION -LAW ACTION OF MORTGAGE FORECLOSURE NO. OI-4845 THIS FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTINGTO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after the Amended 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 aze warned that if you fail to do so the case may proceed without you and a judgment maybe entered against you by the Court without further notice for any money claim in the Amended Complaint of for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 800-990-9108 AVISO LE HAN DEMANDADO A LISTED EN LA CORTE. SI DESEA DEFENDERSE CONTRA LAS QUEJAS PERESENTADAS, ES ABSOLUTAMENTE NECESSARIO QUE LISTED RESPONDA DENTRO DE 20 DIAS DESPUES DE SER SERVIDO CON ESTA DEMANDA Y AVISO. PARR DEFENDERSE ES NECESSARIO QUE LISTED, O SU ABOGADO, REGISTRE CON LA CORTE EN FORMA ESCRITA, EL PUNTO DE VISTA DE LISTED Y CUALQUIER OBJECCION CONTRA LAS QUEJAS EN ESTA DEMANDA. RECUERDE: SI LISTED NO REPONDE A ESTA DEMANDA, SE PUEDE PROSEGUIR CON EL PROCESO SIN SU PARTICIPACION. ENTONCES, LA COURE PUEDE, SIN NOTIFICARIO, DECIDIR A FAVOR DEL DEMANDANTE Y REQUERIRA QUE LISTED CUMPLA CON TODAS LAS PROVISIONES DE ESTA DEMANDA. POR RAZON DE ESA DECISION, ES POSSIBLE QUE LISTED PUEDA PERDER DINERO, PROPIEDAD U OTROS DERECHOS IMPORTANTES. LLEVE ESTA DEMANDA A UN ABOGADO 1MMEDIATEAMENTE. SI NO CONOCE A UN ABOGADO, LLAME AL "LAWYER REFERENCE SERVICE" (SERVICIO DE REFERENCIA DE ABOGADOS), (215) 238-6300. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 800-990-9108 1 BANKONE, NATIONAL ASSOCIATION, TRUSTEE, Plaintiff vs. CHARLES J. SMEIGH, Defendant t ~ 1 ~ IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION LAW ACTION OF MORTGAGE FORECLOSURE THE FOLLOWING NOTICE IS BEING PROVIDED PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.C. 1601 The undersigned attorney is attempting to collect a debt owed to the Plaintiff, and any information obtained will be used for that purpose. The amount of the debt is stated in this Amended Complaint. Plaintiff is the creditor to whom the debt is owed. Unless the Debtor, within thirty (30) days after your receipt of this notice disputes the validity of the aforesaid debt or any portion thereof owing to the Plaintiff, the undersigned attorney will assume that said debt is valid. If the Debtor notifies the undersigned attorney in writing with the said thirty (30) day period that the aforesaid debt, or any portion thereof , is disputed, the undersigned attorney shall obtain written verification of the said debt from the Plaintiff and mail same to Debtor. Upon written request by Debtor to the undersigned attorney within said thirty (30) day period, the undersigned attorney will provide debtor with the name and address of the original creditor if different from the current creditor. PURCELL, KRUG & HALLER 1719 North Front Street Harrisburg, PA 17102 (717)234-4178 Attorney I.D.# 15700 Attorney for Plaintiff n BANKONE, NATIONAL ASSOCIATION, TRUSTEE, Plaintiff ,~ IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION -LAW vs. CHARLES J. SMEIGH, Defendant ACTION OF MORTGAGE FORECLOSURE NO. 01-4845 AMENDED COMPLAINT IN MORTGAGE FORECLOSURE 1. This Amended Complaint is being filed in compliance with the Court's Order dated October 22, 2001. A true and correct copy of the Order is attached hereto and mazked Exhibit "A". 2. Plaintiff is BANKONE, NATIONAL ASSOCIATION, TRUSTEE, a national association, acting through its servicing agent, Homecomings, Financial Network, Inc. whose address is 9275 SKY PARK COURT, SUITE 300, SAN DIEGO, CA 92123. 3. Defendant, is CHARLES J. SMEIGH whose last known address is 268 CARLISLE AVENUE, ENOLA, PA 17025. 4. On or about, August 9, 2000, the said Defendant executed and delivered a Mortgage Note in the sum of $33,950.00 payable to AMERIQUEST MORTGAGE COMPANY, which Note is attached hereto and marked Exhibit "B". 5. Contemporaneously with and at the time of the execution of the aforesaid Mortgage Note, in order to secure payment of the same, Defendant made, executed, and delivered to original Mortgagee, a certain real estate Mortgage which was recorded in the Recorder of Deeds Office of the within County and Commonwealth on August 10, 2000 in Mortgage Book 1631, Page 813 conveying to original Mortgagee the subject premises. The Mortgage was subsequently assigned to BankOne, National Association, Trustee and will be sent for recording. A true and correct copy of the Mortgage is attached hereto and marked Exhibit "C". 6. The land subject to the Mortgage is: 268 CARLISLE AVENUE, ENOLA, PA 17025 and is more particularly described in Exhibit "D" attached hereto. 7. The said Defendant is the real owner of the property. 8. The Mortgage is in default due to the fact that Mortgagor has failed to pay the installment due on March O1, 2001 and all subsequent installments thereon, and the following amounts are due on the Mortgage: UNPAID PRINCIPAL BALANCE $38,911.15 Interest at $15.70 per day $3,328,40 From 02/01/2001 To 09/01/2001 ( based on contract rate of 14.5250%) Accumulated Late Charges $0.00 Late Charges $28.66 $171.96 From 03/01/2001 to 09/01/2001 Escrow Credit ($410.44) Attorney's Fee at 5% ofPrincipal Balance $1,945.56 TOTAL $43,946.63 **Together with interest at the per diem rate noted above after September O1, 2001 and other charges and costs to date of Sheriff's Sale. 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 that are actually incurred by Plaintiff. 9. No judgment has been entered upon said Mortgage in any jurisdiction.. 10. Plaintiff has complied with the notice procedures required by Pennsylvania Act 160 of 1998 by sending to the Defendant, by certified mail, a copy of the Combined Act 6/91 Notice. A true and correct copy of the Combined Act 6/91 Notice is attached hereto and mazked Exhibit "E". », 11. Defendant is not a member of the Armed Forces of the United States of America, nor engaged in any way which would bring him within the Soldiers and Sailors Relief Act of 1940, as amended. 12. The Defendant has either failed to meet the time limitations as set forth under the Combined Act 6/91 Notice or has been determined by the Pennsylvania Housing Finance Agency not to qualify for Mortgage Assistance. WHEREFORE, Plaintiff demands judgment in mortgage foreclosure "I1V REM" for the aforementioned total amount due together with interest at the rate of 14.5250% ($15.70 per diem), together with other charges and costs including escrow advances incidental thereto to the date of Sheriffls Sale and for foreclosure and sale of the property within described. URCELL, KRUG & HALLER Jill M . Wineka, Esquire I.D. # 58802 Leon P. Haller, Esquire Attorney for Plaintiff I.D. # 15700 1719 N. Front Street Harrisburg, PA 17102 (717-234-4178) Dated: ~ U' Z ~(~ ~ 1 C ~ ~1G7 i~ ~'=~OGi BANKONE, NATIONAL ASSOCIATION, TRUSTEE, Plaintiff vs. CHARLES J. SMEIGH, Defendant ORDER IN THE COURT OF COMMON PLEAS CUMBERLAND CO., PENNSYLVANIA NO. 01-4845 CIVIL ACTION -LAW IN MORTGAGE FORECLOSURE AND NOW, this o1a,w.ti day of ~e-~,~.~ , 2001, based upon review of the Plaintiff's Motion to File an Amended Complaint and based upon the Defendant's consent to the Motion, IT IS HEREBY ORDERED AND DIRECTED that Plaintiff is permitted to fife an Amended Ccmplaint in Mortgage Foreclosure. Distribution: BY THE COURT: Jill M. Wineka, Esq., 1719 North Front St., Harrisburg, PA 17102 Dennis R. Sheaffer, Esq., 111 North Front St., P. O. Box 889, Harrisburg, PA 17108-0889 ~€ „,s~ Btt ~' „ ,~ 5 ~ /~ ~~~~ EXHl~IT ~ ~ Loao No. 171181176.5697 ~~ ADJUSTABLE RATE NOTE (LIBOR Index -Rate Caps) THIS NOTE CONTA{NS PROVISIONS ALLOWING FOR CHANGES IN MY INTEREST RATE AND MY MONTHLY PAYMENT. THIS NOTE LIMBS THE AMOUNT MY INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE 1 MUST PAY. . July 26, 2000 ORANGE CA IDalel [Clryl [sWel 266 CARLLSZE AVE ENOLA, PA 17025 [Property Atltlressl 1. BORROWER'S PROMISE TO PAY In remm for a ben met l have recelvatl, I promise to pay V.S. S 38,950.88 ((his amount Is called "principal, plus lntereaL m tlrd oMer of the lender. The Lender Is AMFJ(1Q[IESI' MORTGAGE COMPANY I untleretand that Ore Lender may transfer mis Note. The Lender or anyone roll takes this Note by Iransler antl who L5 entllled b receive payments under mis Note Is rolled the'Note Holder.' 2. INTEREST Interest will be charged an unpaid principal untll the brit amount of principal has been paid. 1 wtll pay Interest at a yeady rate of 14.525 %. Thk interest rate 1 wOl pay may change In acooMance with Sactlon 4 of mis Note. The Interest rate required by Nis Section 2 and Section 4 of this Nota Is the rete I will pay hom before and attar any defauN described in Secton 7(B) of mis Nola. 3, PAYMENTS (A) Tlma and Plan at Payrtrsnls I will pay principal end interest by makbg paymenla every nwnm. I will make my monmy payments on the flret day W each month beglnnMg on September 1 , 2000 I will make these payments every month unN I have paid all of the principal aDd interest and any Omer charges deudbed below that I may owe under this Note. My monthly payments will be applied m Interest before principal. If, on Augrx[ , 2030 , I st81 owe amounts under this Note, I wih pay moss amoun4 in tint on that date, which is called the 'Metudly Dale.' I will make my payments at• 505 SOUTH MAIN STREET, STE. 6000 . ORANGE, CA 92868 or at a dMerent place O required by the Note Holtler. (B) Amount of My InlUal Monthly Paymante Each of my initial monmly peymeMa witl be in me amount of U.S. $ g77,7q This amount may change. (C) Monthly Payment Changan 'Changes In my monmly payment vd0 reflect changes in me unpaid pdnMpel of my loan and in me Interest rate that 1 must pay. The Nola Holder wiA determine my new IMereet rata arM me charged amount of my monthly payment M acwMartce wim Sectlon 4 of mis Note. - 4. INTEREST RATE AND,MONTHLY PAYMENT CHANGES (A) Chenga Dates The interest rate I will pay may charge an ma nret day or August 1, 2002 ,and on mat tlaY every sixm monm merearter. Each date on wMM my interest rete could change Is caned s'chenoa Dem.' (B) The Index BeglnMng wOh me fast Change Date, my interest rate will be based an an Indec The 'Indmr' is me averege of inlefiank offered rates for six-monm U.s. dollar-0erwminelad deposNs in Ua London market ('LIBOR'), es puMiehed in the WeN Street Joumel. The most recant Index Ogure wa0ehle es of the dale 45 days before me Change Data le called me'CuneM Index.' O at any point In tlme the Index re no rarest ava0able, Ore Note Holder wUi choose a new Index ma8 b basetl upon ' comperebls IMomretlon, The Nola Holler wN gNe me notice M mla choice. (C) CaieulaUOn of Changes . Babre each Change Date, era Note HoltlerwiO calwlate rtry crew irnerest rate by eliding Seven and One adrrh percentage point(s) ( >.tas %) m me Current Index. The Note Holder w01 men round the result of this adtlitlon b me nearest ona•eigM or ono Psr~nt (0.125%). SubJeet to the Iimih atetetl N Section 4(^; below, mis rounded amount w0 ba my new Interest rate urmr me na.a Change Date. The Note Holder w10 men deremrine Ura amount of the monthly payment mat would be twfliCleM ro repay the urryyy udndpal that I em expected maws -:the Charge Dare to tu0 on me Maturity Data at my new Interest rate In suhstantlaly equal Pvmems. The result M mis celculaUOn w01 be the new amount of my monmly payment WUM lof3 Slpi.~eIIM ENII ICA~I®11 ,.P '. Loan No. 17116076-5697 r (D) Limits pn Interest Rate Changes Tha interest rate I am required m Pay et me first Change Date will not be greater man 16.525 % or less man 14.525 %. ThereaMr, my interest rete will never ba increasetl or decreased pn arty single Change Date by more man Ooe percentage point(s) ( l,pp0 %) from the rate of Interest i have been paykrg br me precetling alx montlrs. My interest rata will never be greater than 20.525 X or less man 14,52,5 %. (E) EfMctlve Dah of Changes My new Interest rete wiq hetome elfetgve on each Change Date. 1 will pay tlta amount of my new monthly payment beginning on me first monmly payment daW seer me Change Date untll the amount of my nronmty payment changes again. (t7 Noties of Chanpn The Nate Holder wN degvazw mall m me a notice d any changes in my interest rate and ma amount of my mpnmly payment beMre me effectlve tlale M arty ohenge. The nonce will inclutle IMormetion required by law M he given me end also me Rib and telephone number of a prxsdn who wiq answer any quastlpn t may nave regaMing me notlee. 5. BORROWER'S RIGHT TO PREPAY I may repay mis Note al any Rme as Provided for In mis peregrePh. O, wlmin five (5) years Rom me date of the execufion M the Mortgage or Deed which secures mis Note, I make a voluntary or involuntary prepayment durtng arty consewtlve twelve (12) month pedod of arty amount In axass d twenty percent (20%) of the odginal pdndpal amount of mis Note, I agree M pay a prepayment charge equal M stx (0) monms advance Interest on all emaunts paid in excess d my scheduled momhty payments that have tome due ac of me dale oTprepayment e. LOAN CHARGES If a law, which eppliec to mis Man aatl which sets maximum loan charges, ie finally Interpreted a0 mat the interest or other loan charges wllxtad or M 6e mOadad In connectlon with mis loan ezwed me pemixMd gmifl, men: (i) any such Man charge shall be reduced by me amount necessary M reduce me charge M th parmiOed IimO; and (IQ arty wms already collected from me whMh exceeded permtlted gmlis will ba rafuntled tome. The Note Holder may choose M make mis refund by retludng me prindpal 1 owe ~undar mis Note or by making a direct payment M me. If a refund reduces the pdndpal, me reduction wiq ne heated ere a partial prepayment 7. BORROWER'S FAILURE TO PAY AS REQUIRED (A), Late Charges for OveMue Payrrrerda If me Note Holder has rrol received me hell amount of any monmy payment by me end d fRem calendar days aRa are date it is due,1 will pay a late charge m the Note Holder. The amount of me charge wiq be 6.000 % of my overdue payment of pdndpal and inMresl. 1 wiq PaY this late charge promptly 6u1 Doty once an each late payment. (B) Default If i do not pay me fuq amount of each mpnlhty payment on me date h is due, l wilfbe in default. -- (C) Notlcs of Oafault If I am In dafaua, me NoM Helder may send me a wdtten notlca telgng me met R I do not pay me overdue amount by a certain dale, me Note Holder may require ma M pay immedleMry me full amount M prMclpal which has not been paitl and aq me interest mat I owe on mat amount The dent must be at least 30 days agar the date on which me notice is delivered or mailed M me. (D} No Waiver by Nob Holder Even if, at a qme when 1 em M dafauR, me Note Holder does net require me M pay immediately in tuq ae descdhed above, Ora Note Holler will aAl have the riaM to do sa If I am In dafauq at a lalerame. (E) Payment M Note Holders Code and Expaneas if me Nola Holder naa requred me M pay Immediately In lull as descdbetl above, me Note Helder will have the dpht M ba paid hack by ma Mr a8 of ps wets and axparrsea In eMOmMg Itds Nole M Ore extent rwt proh161Md by applicable law. Those ezpenao9 include, laravampa, reasonable attomeys'taes: 8. GIWNG OF NOi1CE9 Unless apDlMahle law requires a tliRerent rtnmotl, erry natlce amt must ba pivan>o maunder mis Note wiq be given try degvedng tl or by mailing It M fast does maq m me a me Propedy Address above e. al a diRe.!!nt address If I give me Note Holder a notice d my tllRereM address. Any notlce met must be ghrerr n me Note Holder antler mis Note wR ba given by mailing r ./ `rst class mall to trr. Note Holder at me address emted M Sedum 3(A) above or at a diRereM adtlreas R I am Bryan notiw of matdtlferent address. S. OBLIGATIONS OF PERSONS UNDER THIS NOTE It more mar one person signs mis Note, each parson is hay and parmnally obligated in keep ell of ma Dromiaea nmtle in this Noes,. including me premke to pay the tWl ranouM owatl. My person W:c b.auerentor, wraty or erMOreer M mla Note Is also obligated to do mace mines. My person who tykes over meee abligatlona, Including iha obnpations of a guareMOr, surety or endorxrM ads - Note, is also oblipeMd M keep all of the premises made In mis Npta. The Note Holder may eMOree IM dghts antler tlds Nola against each pemon IrMlvimdty or against erg of us together. Thin inearw that any one oT uc may os requirod M pay aq d me amounts owed under mis Novo. 10. WAWERS. I antl arty omer paean who has obligations under mis Nole waive the dghB of pmaentrneM and notlce of disnenor. 'PresenMrertY means ma right M require the Note Holder M demand payment of amounm due. 'NOtlce of pishonor means me rtgM M require me Note Fblder to give notce M other persons that amounts due have not been paid. //~''~ ~ ~ mlealA~]_ mo-:nm rw..rnq 2of3 ~. • Loan No. 17118076Sb97 71. UNIFORM SECURED NOTE This Nora is a uniform irrsvumem with Ilmlred var188ons in some juristllctions. In addNOn, W Me proredions gNen W the Nate Haller antler Ihls Note. A Mortgage, Deed of Trust or Severity Deed (Me "Sacunry InstrumanP), dated the same as tNs Nob, prolods Me Note Helder tram possible losses whkh m18M resNt if I do not keep the premises that 1 make in this Note. That Me Security InsWment tlesorihes how and undervdrat alnddbna I may be required to make Immediate payment In fu4 of all amounts I owe under this NOb. Some ofMOae conditWnv are desCribetl as Wlkwrs: Transfer of Me Property or a Beneficial IMereat W Borrower. I( all or any part of the Property or any interest in It is sold a transferred (or 8 a bene8tlal interest in Bortowet is sold or trensferretl arM Borrower is not a naNral pereon) widrout the Lenders prior writen convent, Caller may, of Ito option. require immeOMW payment in full of all sums seeure0 by this Securely Instrument. However, Mis option shall rot be axenbaed by Lender ff exercise is prohibibd by federal law as M ere date of this Security Instrument. Lentler also shall not ezercae Mis option g: (a) Borrower causes W be submflted W lender irrWrmaBOn required by Lender W evaluate the Wtended benaferee ea g a new ben were being matle to Me bansteree; entl (b) Lender reaspnable tlebrmWes that Lenders sacurhy will nd DB ImpNr~ by the Wan assumption and Mat the risk of a breach of any cvvenam or agreement W thh Security inabumeM b acceptable W Lender. To the extent perrrdded by appkcabla Nw, Lender may charge a reasonable fee as a condttlon of Lenders Consent W Me Wen assumption. Lender may ebo require Me Transferee b sign en assumption agreement that is acceptable W lender and that obligates the transferee b keep ell ttre Premises arM agreements made in the Note all W Mis Security Inatrumenl Bortawer wGl wndnue W be obfigatad under are Note and Mis Seclxity Instrument unless Lender releases Borrower in writlnp. It Lender azemise8 the opton m requre emmediate payment In full, Lender shes give Bomower notce of aaeieratlon. The notice shall provWe a i»riod of not lea Then 30 days from the dale Me notice is delivered or mailed within which the Borrower must pay all sums severed by this Sednily InsWmard. H Bompwer fails b pay Mesa soma prbr b Me ezpiretion of Mis period, Lender may . Invoke any remedies permi8ed by Mis Searity Instnrment wlMout fuller ratka or demand an Borrower. 12. GOVERNING LAW PROWSION This Nate and Me related Security !merest are governed by the AHemetlve Mortgage Trensadion Parity Act of 1982, 12 USC §3802 et. seq., ell, W Me ex1eM not Wcwrsislent MrrewlM, Federal antl State law applicable W the Jurisdiction of Me Property. Oral agreements, promkas or eommromeMS b lend moray, extend credit, or forbear from enforclnp repayment of a debt, ineludlnp Promises to extend, modgy, renew or welve such debt, are not enforceable. This written agreomeM contains all Me terms Ms Borrowerys) and Me Lander have spread to. Arty aubsaquent agreement between us regarding this Nob or Me lnstrumenl whlcA secures this Nob, must ha in a slgttW wdUng to M legally enfaroaa6le. WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED. CHARLES J 5 ~ IG .gpnpy,,er (Seep •Borower HF NOTE -Borrower •Borower rooa~nr rk..e~wr 3 of3 3~:5~ ~~S~~e- ~RCDERT f. ZIEOLER RECCRD'"GFDEEDS CUSi~ERL:;`10 COUt!7Y-PA OR-13-ICI~~~ 'oo nuc to fl~ ii t,y Parcel Number: ~Spaee Aborc Thls Line For Remraing Dalal When recorded, mail to: AMERIQUEST MORTGAGE COMPANY P.O. BOX 11507 SANTA ANA, CA 92711 MOR AGE Loan No. 17118076-5697 C~ A(/,I~UJf TH[S MORTGAGE ("Security Instrument") is given on .~• 4Cr-, 2000 .The Mortgagor is CHARLES J SMEIGH ("Borrower"). This Security Instmment is given to AMERIQUEST MORTGAGE COMPANY which is organized and existing under the laws of the State of Delaware, and whose address is 1100 TOWN & COUNTRY RD., STE. 200 ORANGE, CA 92868 ("Lender"). Borrower owes Lender the principal sum of Thirty Eigh[ Thousand Nine Hundred Fifty and no/100------- ----------------- Dollars (U.S. $ 38,950.00 ). This debt is evidenced by Boaower's promissory note dated the same date as this Security Instmment ("Nate"), which provides for monthly payments, with the full debt, if not pgid earlier, due and payable on August I , 2030 Tlris Security Inshument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced under paragraph 7 hereunder to protect the security of this Security Instrument; and (c) the perfomtance oC borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, warrant, grant and convey to Lender, the following described property located in CUMBERLAND County, Permsylvanie: LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF Which has an address of 268 CARLISLE AVE ("Property Address") IU0.1PA (m.6rou1 ENOLA PA 17025 Pngr I of 7 IIIIIIBIS: BOOK1F,vi PACF . 8~ EXF9tBIT ~ TOGETHER WffH all the improvements now and hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instmment. All of the foregoing is referred to in this Security Inshument as the "Property". BORROWER COVENANT'S that Boriowa is lawfully seised of the estate hereby wnveyed and has the right to mortgage, grant and convey the Properly and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defrnd generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants far national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. [JNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest; Prepayment and Late Charges. Borrower shall promptly pay, when due, the principal and interest on the debt evidenced by the Note and any prepayment and Tate charges due under the Note. 2. Funds for Taxes and Insurance. Subject to applicable law or to a written waiver by Lender, Dorcower shall pay to Lender on the day monthly payments are due under the Note, until the Note is paid in full, a sum ("Funds") for: (a) yearly taxes and assessments which may attain priority over this Security Instmment as a Tien on the Property; (b) yearly leasehold payments or grouad rents on the Property, if any; (c) yearly hazard or property insumnce premiums; (d) yearly flood insurance premiums, if any; (e) yearly mortgage insurance premiums, it any; and (f) any sums payable by Borrower to Lender, in accordance with the provisions of paragraph 8, in lieu of the payment of mortgage insurance premiums. These items are called "Escrow Items." Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amount a lender far a federally related mortgage loan may require for Borrower's escrow account under the federal Real Estate Settlement Procedures Act of 1974 as amended from time to time, I2 U.S.C. Section 2601 et seq ("RESPA"), unless another law that applies to the Funds sets a lesser amount. If so, Lender may, at any time, collect and hold Funds in an amount not to exceed the lesser amount. Lender may estimate the amount of Funds due on the basis of crtrcent data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with applicable law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is such an institution) or in any Federal Home Lban Bank. Lender shall apply the Funds to pay the Escrow Items. Lender may not charge Borcower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Bortower interest on the Funds end applicable law permits Lender to make such a charge. However, Lendar may require Borrower to pay cone-time charge for an independent real estate tax reporting service used by Lender in connection with this loan, unless applicable law provides otherwise. Unless an agreement is made or applicable law requires interest to be paid, Lender shell not be required to pay Borrower any interest or comings on the Funds. Borrower and Lender may agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds, showing credits and debits to the Funds and the purpose for which each debit to the Funds was made. The Funds are pledged as additional security for all sums secured by this Security Instmment. If the Funds held by Lender exceed the amounts permitted to be held by applicable law, Lender shall account to borrower for the excess Funds in accordance with the requirements of applicable law. If the amount of the Funds held by Lender a[ any time is not sufficient to pay the Escrow Items when due, Lender may so notify Borrower in writing, and, in such case Borrower shall pay to Lender the amount necessary to make up the deficiency. Dorcower shall make up the deficiency in no more than twelve monthly payments, at Lender's sole Upon payment in full of ale sums secured by this Security Instrument, Lender shall promptly refund to Borcower any Funds held by Lender. IC, under Paragraph 21, Lender shall acquire or sell the Property, Lender, prior to the acquisition or sale of the Property, shall apply any Funds held by Lender a[ the time of acquisition or sale as a credit against the sums secured by this Security Inshument. 3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lrnder under paragraphs I and 2 shall be applied: first, to any prepayment charges due render the Note; second, to amount payable under paragraph 2; third, to interest due; fourth, to principal due; and last, [o any late charges due and/or any other charges authorized under the Note or the Security Instromrnt. fnh4alsa~ S +aaxre cr... amr Poge2 or7 Loan No. 17118076-SG97 BOOK~~viPAGE Pii.4 J' r 4. Charges; Liens. Borrower shall pa attributable to the Property which may attain prior[ ground rents, if any. oaower shall pay these obligi that manner, Borrower shall pa them on time dire furnish to Lender all notices of amounts to be nit dvectly, Boaower shall promptly furnish to Lender r Borrower shall promptly discharge any li Bortower. (a) agrees in wnhn to the payment of I Lender (b) contests in good faith the lien by, or d which m the Lender's o mion operate to prevent the lien an agreement satisfactory to Lender subordinate. that any part of the Property is sublet[ to a lien wh. may give Borrower a notice idenhfymg the lien. Boi set forth above within 10 days of the giving of notice 5. Hazard or Property Insurance. Born erected on the Prooertv insured aeainst loss by fire. h all taxes, assessments, charges, fines and impositions over this Security Instrument, and leasehold payments or ins in the manner provided in para raph 2, or rf not paid in y to the person owed PPaymant. Borrower shall promptly nder this paragraph. If Borrower makes these payments :ipis evidencing the payments. which has priority over this Security InsWment unless obligation secured by the lien in a manner acceptable to rids against enforcement of the lien in, legal proceedinggs forcement of the lien; ar (c) secures from the holder of ilia the lien to this Security Instmment. If Lender determines may attain priority over this Security Instmment, Lender war shall satisfy the lien or take one or more of the actions er shall keep the improvements now existing ar Irereatter rids included within the term "extended coverage" and any ch Lender re uires insurance. This insurance shall be ter requires. The insurance caner providina the insurance shall be chosen by Borrower subJ"act to Lender's approval which shall not be unreasonably withheld. If borrower fails to maintain coverage descr"bed above, Lender may, at Lender's option, obtain coverage to protect Lender's rights in the Property in accordance with paragraph 7. All insurance policies and renewals shall be acceptable to Lender and shell include a standard mortgage clause. Lender shall have the right to hold [Ire policies and renewals. [f Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. In the event of loss, Borrower shall give prompt notice to lire insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or repair of the Pmpeny damaged, if the restoration or repair is economically feasible and Lender's security is not lessened. If the restoration or repair is not economically feasible or Lender's security would be lesseced, the insurance proceeds shalt be applied to the Burns secured by this Security hrsWmtnt, whether or not then due, with any excess paid to Borrower. If Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the insurance cartier has offered to settle a claim, [lien Lender may collect the insurance proceeds. Lender may use [he roceeds to repair or restore the Property or to pay sums secured by dies Security Ins Wment, whether or not then due. The 30-day period will begin when the notice rs given. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to prineipal shall not extend or postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount of the payments. If under paragraph 2l the Property is acquired by Lender, Borrower's right to any insurance policies and proceeds resultin from damage to the Property prior to the ecauisifion shall pass to Lender to the extent of die sums secured by tt 6. Occupancy, Prest Applicatiorc Leaseholds. Bc residence within sixty days at Property as Borrower's prmci~ otherwise agrees in writing, circumstances exist which ate Property, allow the Property to forfeiture action or procee mg. result in forfeiture of the Prope Lender's security interest. Hon the acdon or proceeding to be forfeimre of the borrower's it Security Instmment or Lender': in ant rs on a teas to the Property, security mstrnment immediately prior to the acquisition. [lion, Maintenance and Protection of the Property; 6arrower's Loan war shall occupy, establish, and use the Propert~ as Borrower's principal the execution o ihrs Security Instmment and sha l continue to occupy the residence for at least one year nder the date of occupancy, unless Lender rich consent shall not be uttmasonably withheld, or unless extenuating rood Borrower's control. Borrower shall oat destroy damage or impair the eriora[e or commit waste on the PropertTy. Borrower s~rall be m default if any hether civil or criminal, is begun that in Lender's good faith judgment could or otherwise materiallyunpair the lien created by this Security Instmment or er may cure such default and reinstate, as provided in paragraph 18, by causing smissed with a rating that, in Lender's good Caith deterrmnadon, precludes est in the Property or other material impairment of il]e lien created by this ~c]irity interest. Borrower shall also be in default if borrower, during the loan y false or inaccurate infomiation or stateirunts to Lender (or failed to provide iron) in connection with the loan evidenced by the Note, including, but not ring Borrower's occupancy of the Property as a principal residence. if ilia old, Borrower shall comply with all the provisions of the lease. If Borrower :e leasehold and the fee title shall not merge unless Lender agrees to dre merger iniliala: G~~ /aa]PAtm.6la0) rase 7 of 7 Loen No. 17118076.5697 gaoKi631PacE 815 ~; 7. Protection of Lender's Rights In the Property. If Borrower fails to perform the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lender's rights in the Properly (such as a proceeding in bankmptcy, probate, for condemnation or forfeiture or to enforce laws or regulations), then Lender may do and pay for whatever is necessary to protect the value of the Property and Lender's rights in the Property. Lender's actions may include paying any sums secured by a lien which has priority over this Security InsWment, appearing in court, paying reasonable attorneys' fees and entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Harrower secured by this Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. - 8. Mortgage Insurance. If Lender required mortgage insurance as a condition of making the loan secured by this Security Instrument, Borrower shall pay the premiums required to maintain the mortgage insurance in effect. If, for any reason, the mortgage insurance coverage required by Lender lapses or ceases to be in effect, Boaower shall pay the premiums required to obtain coverage substantially equivalent to the mortgage insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the mortgage insurance previously in effec4 from an alternate mortgage insurer approved by Lender. If substantiell~ equivalent mortgage insurance coverage is not available, Borrower shall pay to Lender each month a sum aqua to one-twelfth of the yearly mortgage insurance premium being paid by Borrower when the insurance coverage lapsed or ceased to be in effect Lender will accept, use and retain these payments as a loss reserve in lieu of mortgage insurance. Loss reserve payments may no longer be required, at the option of Lender, if mortgage insurance coverage (in the amount and for the period that Lender requires) provided by an insurer approved by Lender again becomes available and is obtained. Borrower shall pay the premiums required to maintain the mortgage insurance in effect, or to provide a loss reserve, until the requirement for mortgage insurance ends in accordbnce with any written agreement between Borrower and Lender or applicable law. 9. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall give Borrower notice at the time of or prior to an inspection specifying reasonable cause for the inspection. ]O.Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of any part of the Property, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. In the event of a total taking o[ the Property, the proceeds shall be applied [o the sums secured by this Security instrument, whether or not then due, with any excess paid to Borrower. In the event of a partial taking of the Properly in which the fair market value of the Properly immediately-before the taking is equal to or greater than the amaant of Ore sums secured by this Security Instrument immediately before the taking, unless Borrower and Lender otherwise agree in writing, lire sums secured by this Security Insmlment shalt be reduced by the amount of the proceeds multiplied by the following fraction: (a) rite total amount oC the sums secured immediately before the taking, divided by (b) the fair market value of the Property immediately before the taking. Any balance shall be paid to the Borrower. In the event of a partial taking of the Property in which the fair market value of the Property immediately before the taking is less than the amount of the sums secured immediately before the taking, unless the Borrower and Lender otherwise agree in writing or unless applicable law otherwise provides, the proceeds shall be applied to lire sums secured by this Security Instmment whether or not the sums are then due. IC the Property is abandoned by Borrower, or if, aRer notice by Lender to Borrower that the wndemnor offers to make an award or settle a claim Cor damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the proceeds, at its option, either to restoration or repair of Ore Property or to the sums secured by this Security Instrument, whether or not then due. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraphs t and 2 or change the amount of such payments. 11.Borrower Not Released; Forbearance by Lender Not a Waiver. Extension oC the time for payment or modification of amortization of the sums secured by this Security Instmment granted by Lender to any successor in interest of Borrower shall no[ operate to releau the liability oC the original Borrower or Borrower's successors in interest. Lender shall not be required to commence proceedings against any successors in interest or refuse to extend Ome for payment or otherwise modify amortization of the sums secured by this Security instmment by reason of any demand made by Ote original Borrower or Bortower's successors in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. (\~~' Initials: l~ I0a1PA Ira. EN0) Lonn No. 171180765697 Page 4 of 7 eooK 1531 racE .816 12. Successors and Assigns Bound; Joint and Several Liability; Co-signers. The covenants and agreements of this Security Instmment shall bind and benefit the successors and assigns of Lender and Borrower, subject to the provisions of paragraph l7. Borzower's covenants and agreements shall be joint and several. Any Borrower who co-signs this Security Agreement but does not execute the Note: (a) is co-signing this Security Instrument only to mortgage, grant and convey that Borrower's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations with regard to the tents of this Security Instrument or the Note without that Borrower's consent. 13. Loan Charges. If the loan secured by this Security Instrument is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the loan exceed the perznitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be heated as a partial prepayment without any prepayment charge under the Note. 14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or mailing it by first class mail unless applicable law requires use of anatlter method. The notice shall be directed to the Property Address or any other address Borzower designates by notice to Lender. Any notice to Lender shall be given by first class mail to Lender's address stated herein or any other address Lender designates by notice to Borrower. Any notice provided for in this Security Ins[mment shall be deemed to have been given to 6orzower or Lender when given as provided in this paragraph. 15. Governing Law; Severabilily. This Security Insrument shall be govented by federal law and the law of the jurisdiction in which the Property is located. In the event that any provision or clause of Oris Security Instmment ar the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instmment or the Note wbjch can be given effect without the conflicting provision. To this end the provisions of this Security Instmment ahd the Note are declared to be severable. 16. Borrower's Copy. Borzower shall be given one conformed copy of the Note and of this Security Instmment. 17. Transfer of the Property or a Beneflclal Interest in Borrower. If atl or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferzed and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of alt sums secured by this Security Instument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of Ote date of this Security Instrument. If Lender exercises this option, Lender shall give Borzower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borzower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may rnvoke any remedies permitted by [iris Security Instmmetrt without further notice or IS. Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at eny time prior to the earlier of: (a) s days (or such other period as applicable law mey specify for reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Inshument or (b) entry of a judgment enforcing this Security Instrument. Those conditions are that Horzower: (a) pays Lender all sums which then would be due under this Security Insrtment and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Agreement, including, but no[ limited to, reasonable attorneys' fees; and (d) takes such action as Lender may reasonably require to assure that Ore lien of this Security Instmment, Lender's rights in the Property and Borrower's obligation to pay the sums secured by this Security Inswment shall continue unchanged. Upon reinstatement by Borrower, Otis Security Instrument and the obligations secured hereby shalt remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under paragraph 17. Inlliab:l ~ ~~, Imere oev, snot rssr s at' 7 Loan No. 17118076-5697 BOOKis~~.PACE 8~7 19. Sale of Note; Change of Loen Servicer. The Note or a partial interest in the Note (together with this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity (Imown as the "Loan Servicer') that collects monthly payments due under the Note and this Security Instrument. There also may be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a ebange of the Loan Servicer, Borrower will be given written notice of the change in accordance with paragraph 14 above end applicable law. The notice will state the name and address of the new Loan Servicer and the address to which payments should be made..The notice will also contain any other information required by applicable law. 20. Hazardous Substances. Bortower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on ar in the Property. Borrower shall not do, nor allow anyone else to do, anything etlbeting the Property that is in violation of any Environmental Lew. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and ro maintenance of the Property. Borrower shall promptly give Lender written notice of any investigation, claim, demand, lawsuit or other action by any govemmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge. If borrower teams, or is notified by any govemmental or regulatory authority, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Dorrower shall promptly take all necessary remedial actions in accordance with Environmental Law. As used in this paragraph 20, "Hazardous Substances' are thosesnbstances defined as toxic or hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other Flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, material containing asbestos or fonnaidehyde, and radioactive materials. As used in this paragraph 20, "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection. NON-UMFOItM COVENANTS. Bortower and Lender further covenant and agree as follows: 21. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under paragraph 17 unless applicable law provides otherwise). Lender shall notify Borrower of, among other things: (a) the default; (b) the action required to cure the default; (c) when the default must be cured; and (d) that failure to cure the default as specified may result in acceleration of the soma secured by this Security Instrument, foreclosure by Judicial proceeding and sale of the Property. Lender shall further inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure proceeding the non-existence of a default or any other defense of Borrower to acceleration and foreclosure. If the default is not cured ~as specified, Lender, at its option, may require immediate payment in full of all sums secured by th(s Securtty Instrument without further demand and may foreclose llris Security Instrument by Judicial proceeding. Lender shall be entitled to collect all expenses Incurred fn pujsuing fire remedies provided in this paragraph 21, including, but not limited to, attorneys' fees and costs of title evidence to the extent permitted by applicable law. 22. Release. Upon payment of all sums secured by this Security Instrument, this Security Instrument and the estate conveyed ahail terminate end become void. ABer such occurrence, Lender shall discharge and satisfy this Security Inawment to Borrower. Bortower shall pay any recordation costs. Lender may charge Borrower a tee for releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under applicable law. 23. Waivers. Borrower, to the extent permitted by applicable law, waives end releases any error or defects in proceedings to enforce this Security Instmment, and hereby waivers the benefit of any present or future laws providing for stay of execution, extension of time, exemption from attachment, levy and sale, and homestead exemption. 24. Reinstatement Period. Borrower's time to reinstate provided in paragraph 16 shall extend to one boor prior to the commencement of bidding at a sheriff s sale or other sale pursuant to this Security Instrument. 25. Purchase Money Mortgage. If any of the debt secured by this Security Instrument is tent to Borrower to acquire title to the Property, this Security Instmment shall be a purchase money mortgage. 26. Interest Rate After Judgement. Dorrower agrees that the interest rate payable after a judgement is entered on the Note or in an action of mortgage foreclosure shall be the rate payable from time to time under the Note. Iniliala:~~ amore rm. arool Pagc 6 or 7 Lonn No. 17118076-5697 scoK163i roc(: 818 .~. 27. Riders to this Security Instrument. It one or more riders are executed by Borrower and recorded together with this Security Instnrment, the covenants and agreements of each such rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instmment as if the rider(s) were a pan of this Security Instrument. [Check applicable box(es)] ® Adjustable Rate Rider ^ .Condominium Rider ^ 1-4 Family Rider ^ Graduated Payment Rider ^ Planned Unit Development Rider ^ Biweekly Payment Rider ^ Balloon Rider ^ Rate Improvement Rider ^ Second Home Rider ^ VA Rider ^ Other(s) [specify] BY SIGNING BELOW, Dorrower accepts and agrees to the terms and covenants contained in this Security Instrument and N any rider(s) executed by Borrower and recorded with it. - W' E4dCS (1i,1 i~ 1/~~ Seal) tmess'Signamre CHARLES 1 SMEI H -Borrower Wtmess Stgnamre (Seal) ' -Bonower (Seal) - _ (Seal) -Borrower Certificate of Resl nce I,' ~/~ ~].~,~~ C~~~lo hereby certify that the correct address of the within-named Mongagee is l t00 TppOWNrr& COUNTRY RD., STE. 200 WimeOsRmyhandills92868 ~ /~ day of /p~}-, ~ O Agent of r agcc COMMONWEALTH 9~PENNSYLVAj1YI}~, CUMBERLAND County ss: On this, the -fir-- day//of ~~lf.~~~-^ ~ /~ d ,before me, the undersigned officer, personally appeared C/"1 LLl /PS J • J /XPr 4/l pcrsons 6ein knowledged known to me (or satisCacttonly proven) to be the ame 1 su scribed to the within inshument and acknowledge drat h~ executed the TNESS WHEREOF, I hereunto set my hand and official^seal fires: HoOerlttl Seal y '-` ~ Low~xNtenIhp.,aC~ump~ryyglRt~6o11~0a~ry MY ComtMeelon EgWres Nov.6, 2001 Till 1011 pA.(g Pnge 7 of 7 Loan oooK1631racE 819 se No. 17118076-5697 e TAX PARCEL NO. 09-13-1002-224 ALL THAT CERTAIN lot, parcel, piece of ground situate in Eaet Pennaboro Township, Cumberland County, Pennsylvania, bounded and described as follows, to wit: BEGINNING at a point on the eastern line of Carlisle Avenue, said point being One Hundred Fifty-four (154) feet, more or less, South of the southeast corner of the intersection of said Carlisle Avenue and Church Street, said Church Street now being known ae Shady Lane; thencein an easterly direction along the southern line of Lot No. 14, a distance of One Hundred Fifty (150) feet, more or leas, to a point on the western line of a public alley; thence in a southerly direction along the western line of said public alley, a distance of One Hundred (100) feet, more or lees, to a point on the northern line of Lot No. 17; thence westerly along the northern line of said Lot No. i7, a distance of One Hundred Fifty (150) feet, more or less, to a point on the eastern line of aforementioned Carlisle Avenue; thence ins northerly direction along the eastern line of said Carlisle Avenue, a distance of One Hundred (100) feet, more or less, to a point, THE PLACE OF BEGINNING. HEING all of Lot Nos. 16 and 16 Block H on the plan of Lots of Enola Terrace, said Plan being recorded in Plan Hook 1 page 3. HAVING THEREON ERECTED a ranch type residence known as 268 Carlisle Avenue, Enola, PA. BEING the same premises which R. Thomas Kline, Sheriff of Cumberland County by •" deed dated September 20, 1999 and recorded Spetember 21, 1999 in the office o£ the Recorder of Deeds £or Cumberland County in Deed Book 200 page 55, granted and conveyed to ContiMOrtgage Corporation BOOK~63~ PAGE 82O ADJUSTABLE RATE RIDER (LBOR Index -Rate Caps) Lom No. 17118 07 45 697 THIS AD]USPABLE RATE RIDII( is made this 26th day of July 2000 ,and is iowtporazed into and shall be deemed m amend and supplement the Mortgage, Deed of Trust, or Security Deed (the "Sxurity fas[rumart") of the same daze given by the undersigned ([be'Botrower") to secure Borrower's Adjttskbk Rate Note (the 'Nok") ro AMERIQUFSf MORTGAGE COMPANY (the "[.ender") of rite satrc date and covering the property described in the Security Insaumwr and located ar 26S CARLISLE AVE ENOLAI PA 17025 1Plopaly Addmsl T1D"S NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN TAE IIv*L'EREST RATE AND 1'HE MONTHLY PAYMENT. THE.NOTE LDNiTS. THE AMOUNT THE BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE TDHE AND THE MAXIMUM RATE THE BORROWEB MUST PAY. ADDTf[ONAL COVENANTS. In additloo m ~tbe covenants and agraearents made in' the Security Iastrutnea, Borrower, and Lender further covuaat and agree u follows: A. iNT'EIIEST RATE AND MONTHLY PAYMENT CHANGES The Nom provides-for m initld interns rate of 14.525 %. The Noce provides for changes in tbe interest rak and the rnonWly paymura, u follows: 4. INTEREST RATE AND MONTHLY PAYMENT RANGES (A) Cheoge Dates The interzu rate [will pry may chmge on Na first day of August 2002 ,and on that day every sixth toroth theteaBet. Each date oa which my iutercx me could change is celled a "Chmge Date." (B)1Le Index - . Bcgtmring with the first Change Date, vry immeu tale will be based on ao Tadex. The "]ndu' is Ne average of inkrbaut offered rates fm six-tnonW U.S. dollar-0uominated dcposita is the London mazke[ ("LB30R"), as publishW io 71xe WdJ SneY Jorwra[. The most retxa lade figure available as of the dam 45 days before uch Change Due is caged the •L~strem hulex.' If the Ltdex is no longer available, the Note Holder wBI choose a new adex that is bash upon comparable iaforrrution. 7'he Note Holder will give the rolls o! Win choice. (C) Calculation of Chtmges Before each Chmgr Dace, the Nae Holder will cactilate my new interest rate by addke Seveo sort Ooe Eightit ~ Pm~~ Pa(s) ( T.125 a~ m dre Current lade. The Nae Holdu will thw round the resat of this addition ro tlm nearest one-e)ghth of one percentage poim (0.125%). SLbjea m the limbs stated in Seaiati 4(D) below, this rooaded amount wBl be my -new interest rate moil the salt Chmge Date. - - - The Note Holder will Uteo daetrtdne the amount of the mmudy paymrnt thaz world be sufficient to repay the mpaid ptincipd that I am expeaal to owe a the Change Date in full oa the Maturity Date u my new imerest taro in subamatis0y equal payments. The remit o[ this calculuion will be the new amount of my omnOrly payment. AONS[ABLE BATE aB1F$•LIBOR IIIDffi se.lax ]nhiak:~ w]µw (41r9a TLfi Iad11REV. ]Ap eoos1531r16r: 82f Loan No. 17118076-5697 (D) Limits an Interest Rate Chmges The interest rate I am required ro pay at the firs[ Change Date will not be greater than 16.525 , % or less than 14.525 %. Thereafter, my interest rate will never be ivereased or decteased on any single Change Date by [Wore than One percentage point(s) ( L000 %) Gum the rate of interest f have been paying for the precMing six mor[ms. My inures[ mte will never be greater than 20.525 - % or less man 14:525 - %. (E) E7ectlve Date of Changes My new inures[ rate will biome effective on each Change Date. I w01 pay the amount of my new monhly payment begiming on me fire nwnddy payment date after the Change Date until me amount of my monthly payment changes again. (Fj Notice of Changes - The Note Holder will deliver or mail to [rc a notice of any changes in my interest Pate and the amount of my monmly paymem before the effective date of any change. The notice will include information required by law to be given me and also the title and telephone numbu of a person who will answtt any question 1 may have regarding the notice. B. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER Uniform Covenant t7 of me Secmiy InaWnrent is amended to read as follows: ' Trndsfer of the Property ar a Benefleial leterat in Horower. 7f all or any part of the Property or any interest io 1t is sold or ttansfetred (or if a beoeticial inuren in Borrower is sold or transfernd and Borrower is not a namml person) wlmont lender's pclor w[itten wdaent, Lender may, at its option, require immediate payment in full of all wins enured by this Security Insmunent. However, mis aptiod shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security lnstmrrteu[. (.order also shall no[ exorcise this option if: (a) Borrows causes m be aubmined m Lender information required by Lender m evaluate tbe inrrnded iramfetce as if a dew loan were being made to the transferee; add (b) Lender reasonably determines mat Lende['s axurity wlll rtm be impaired by the loan assumption and ibat me risk of a breach of any covemm m agttxmen[ in thin Security Insttom®t is ancepmble to Linder. To the extend permitted by applicable law, Lender [nay charge a reasonable fee as a condition m lender's consent m the load asRUdptiod. ladder may also require me transfers to sign an essumptiod agreement mat is aoceptabk to Leads and that obligates me transferee m keep ail me promises and agreements made in me Nom and in ritia Security Ltstroment. Botrower wBl continue to be obligated undo me Note and mis Security Instmment anleaa I-reader releases Bmrower in writing. If I.endtt exeriaes me option m require itmnediam payment in mil, I.ende .hall give Borrower notice of acceleretiod. The notice ahi! provide a yadod of nm less men 30 days from me dale the entice to aa)vrered or mailed wimin which Borrower must pay ell wens sea,.ed by mis Security Inrtrument. If Borrower fails m pay mesa arum prior m the expiration of this period, [.ender may [evoke any rertudies pemdded by mis Security Ir[stntme¢twidmut f[trther antice ar demahd on Harrower, BY SIGNING BELOW, Borrower aaepta and agrces ro the terms and covenants eanmmm in this Adjustable Rau Rido. ~"'~ r, zc n! pennsYivznie j - n \~~e ~ y/~ = Gi C:Iitbe'izridl Q°~-~K-I~t--. ~\ _,) .. ~;~ rte. enn recording ci D~aU -CHARLES751NHIGH ~ "9^~^uwe'r -....1__,•:r~r.^.~~nh.~tl?.ntl COUMy,(~~~ar+nv.'c n! AdJUSTABLE RATE RIDER-L®OR rssemounxn r+.a aa:msv. vra ODOR~631.yACE B.GGi =~~a 1: ..~' ( TAX PARCEL NO. 09-13-1002-224 ALL THAT CERTAIN lot, parcel, piece of ground situate in East Penneboro TDwnship, Cumberland County, Pennsylvania, bounded and described as follows, to wit: BEGINNING at a point on the eastern line of Carlisle Avenue, said point being One Hundred Fifty-four (154) feet, more or less, South of the southeast corner of the intersection of said Carlisle Avenue and Church Street, said Church Street now ~bein9 known ae Shady Lane; thence~in an easterly direction along the southern line of Lot No. 14, a distance of One Hundred Fifty (150) feet, more or lees, to a point on the western line of a public alley; thence in a southerly direction along the western line.of said public alley, a distance of One Hundred (100) feet, more or less, toga point on the northern line of Lot No. 17; thence westerly along the northern line of said Lot No. 17, a distance of One Hundred Fifty (150) feet, more or less, to a point on the eastern line of aforementioned Carlisle Avenue; thence ins northerly direction along the eastern line of said Carlisle Avenue, a distance of One Hundred (100) feet, more or less, to a point, THE PLACE OF BSGINNING. ~ ~ ~~ BEING all of Lot Nos. 16 and 16 Hlock B oh the Plan of Lots of Enola Terrace, said Plan being recorded in Plan Book 1 page 3. HAVING THEREON ERECTED a ranch type residence known as 268 Carlisle Avenue, Enola, PA. - BEING the same premises which R. Thomas Xline, Sheriff of Cumberland County by deed dated September 20, 1999 and recorded Spetember 21,~ 1999 in the office of the Recorder of Deeds for Cumberland County in Deed Hook 208 page 55, granted and conveyed to ContiMortgage Corporation ~f~~ ..Ise= .. -..a~ BO~K~63I.PAGE 82~ Apnl 19, 2001 Certified Mail, Retum Receipt Requested 0432644185 Charles J Smeigh 268 Carlisle Ave Enoh, PA 17025 Re: Property Address: 268 Carlisle Ave Enola, PA 17025 Loan Number. 0432644185 A default exists under the above referenced Mortgagr/Deed of Trust loan agreement The action required to cure the defauk is the payment of all sums due under the MortgageR7eed of Trust loan agreement. As of the date of this letter the total amount due is $ 1,271.22. That sum includes the following: 2 payments totaling: $ 1,213.90 Late charges: $ 57.32 Other fees andlor costs N1A Unapplied Funds : N!A The total amount due shown above is subject to further increases for additional monthly payments, late charges, attorney Fees, and/or other fees and cost which may become due, after the date of this letter. To obtain an update of the total amount. due to cure this default, contact us at 1.800.206.2901. TO CURE THIS DEFAULT, SEND YOUR CASHIER' S CHECK, MONEY ORDER, OR CERTIFIED CHECK IN THE AMOUNT OF $ 1,271.22 BY May 14, 2001 TO THE FOLLOWING ADDRESS: Homecomings Financial, P.O. Boa 78426 Phoenix, AZ 85062-8d26 OR OVIItNIGHT T0: 2445 W. Dunlap Avenne, Suite 100 Phoenix, AZ 85021-1803. If the default is not cured within thirty (30) days of the wading of ttris letter, the lender, without further notice or demand, wdl accelerate the maturity date of the Nate and declare all sums secured by the MortgagelDeed of Trust to be immediately due and payable. The lender then intends to have the property sold at a public foreclosure sale. After acceleration, a curing of the default and reinstatement of the loan wilt be permitted up to the time of the sale by paying the past due monthly payments and other sums then due under the MortgagelDeed of Trust loan agreement and by complying with a0 temts of reinstatement. You have the right to bring a court action to assert the noneffistence of a default or any ocher defense that may exist to prey®t acceleration and sate of the property. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL SE USED FOR THAT PURPOSE. Sincerely, Loan Counseling Department HLH EXH181T E ACT 91 NOTICE TAKE ACTIfJN T© SAVE YfJUR I~QIVIE FRaM FCIRECLUSURE THIS NOTICE 1S SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. , This is an official notice that the morteaee on your home is in default, and the lender intends to foreclose. Specific infprmation about the nature of the default is provided in the attached panes. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HE1yL4P) may be able to help to save your home. This Notice explains how the propxam works. To see ifHEMAP can hetn. you must MEET WITH A CONSUMER CRIDIT COUNSELING AGENCY WITHIN 30 DAYS OF TH DATE OF THIS NOTICE. Take this notice with ypu when you meet with the Counseling AgenCV. The name, address and phone number pf 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 heazing can call (717) 780-1869). This Notice cpntains important legal information. If you have any questions, representatiaes at the Consumer Credit Counseling Agency may be able to help explaixm it. You may also want to contact an attorney in your area The Ipcat baz association may be able to help you find a lawyer. LA NOTIFIGACION EN ADJUNTO E5 DE SUMA IMPORTANCIA, PUSS AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCC[ON ]MMIDIATAMENTE LLAMANDA ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA PUIDES SER ELEGIBLE FARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM' EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMBZ SU HIPOTECA Date: Apri119, 2001 TO: Charles I Smeigh 268 Cazfisle Aae Enola, PA 17025 Premises: 268 Carlisle Ave Enola, PA 17025 - Re: Loan Number. 0432644185 FROM Homecomings Financial HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE FROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HE[.PYOU MAKE FUI7JRE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSITANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMINTS, AND IF YOU MEET OTHER ELIGIBILITYREQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. CONSUMER CRIDIT 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 teleahone numbers of desienated consumer credit counseling agencies for the counts in which the oronerty is located are set forth az the ead oP this Notice. IL is only necessary to schedule one face-to-face meeting. Advise your lender immediat of your intentions. APPLICATION FOR MORTGAGE ASSIStANCE -- Your mortgage is in default for the reasons set forth later in this Notice{see following pages far specific information about the nature of your default.) [f you have tried and are uoahle 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 da so, you must fill out, sign and isle a completed Homeowner s Emergency Assistance Program Application with one of the desigr>ated consumer credit counseling agencies listed az the end of this Notice. Only consumer credit counseling agatcies 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 LENDER CONTACT IN REGARDS TO PENNSYLVANIA HOUSING FINANCIAL ASSISTANCE Homecomings Financial Network - 9275 Sky Park Court - SanDiego, CA 92123 TENIPORARY 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-ford' meeting with one of the consumer credit counseling agencies listed at the end of this Notice. Attn: Loss Mitigation Department, Steven Roark Phone: 1-888-810.4687, ext. 5130 ALL CORRESPONDINCE REGARDING PHFA ASSISTANCE SHOULD BE FORWARDID TO THE ABOVE REFERINCID ADDRESS. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SEf FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. ACINCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be &sbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) lags to make a decision after it receives your applicaticn. During that time, no foreclosure proceedings wffi be pursued against you if you have met the time requirements set fau~th above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTID BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSTRUID AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy yeu can still apply for Emergency 1vIortgage 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: 268 Carlisle Ave , Eno1a, PA 17025 IS SERIOUSLY BQ DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly payments from 03/01/01 to 04(01101 totaling. $ 1,213.90 Late Charges: $ 57.32 Atha fees andlar costs (including NSF charges and property inspections): N!A LESS: Unapplied Funds: N!A TOTAL $ 1,271.22 HOW TO CURE THE DEFAULT - Yau may cure the default within THIRTY (30) DAYS of the date of this Notice BY PAYING THE TOTAL AMOUNT DUE TO THE LENDER, WHICH IS $ 1,271.22. PLUS ANY MORTGAGE PAYMINTS 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 oavable and sent to Homecomings Financial, P.O. Box 78426 Phoenix, AZ 85062-8426 OR OVERNIGHT TO: 2445 W. Dunlap Avenue, Suite 100 Phoenix, AZ 85021-2803. TF 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 rieht to accelerate the morteaae 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 monody installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorney to start legal action to foreclose upon your mortgaged ProPgtY• TF THE MORTGAGE IS FORECLOSED UPON -The mortgaged property wi0 be sold by the Sheriff to pay off the mortgage debt. [f the lender refers your case to its attorney, 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 pou, you wilt have to pay all reasonable atterney's fees actually incurred by the lender, even if they exceed $50.00. Any attorney's fees will be addai to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY f30t DAY period, von will not be required to pay attorney's fees. OTHER LENDER RII4TEDIE5 -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 bade begun, you still have the right to cure the default and prevent the sale at anv time up to one hour before the Sheriffs Sate. You may do so by paving the total amount then bast due, plus anv ]ate or other charges then due, reasonable attnmey's fees and costs connected with the foreclosure sale gad anv other costs connected with the Sheriffs Sale as specified in writing by the lender and by perfarnung anv other requirements under the mortgage. Curing your default in the manner set forth in this Notice wiR 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 Sheriff s Sale of the mortgaged property could be held would be approximately six (t7 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 wilt increase the longer you wait. You may find out at any time exactly what the required payment or actioa w>71 be by contacting the lender. HOW TO CONTACT THE LENDER: Homecoavngs Financial 2711 N. Haskell, Suite 900 Dallas, 7X 75204 Attn: LaanCounselingDepartment Phone 1.800.206.2901 EFFECT OF THE SHERIFF'S SALE -You should realize that a Sheriff s Sate will ead your ownership of the mortgaged property and pour right tp occupp it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you anfl your tbmishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -You may be able to sell or transfer your home to a buyer or transferee who wd] assume the mortgage debt, provided that all the outstanding payments, charges and attornty'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 OBYAIN 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 PROCEIDING 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 Sincerely, Loan Counseling Department Enclosures} List of Counseling Agencies APPS C PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES (Rev. 11199) ADAMS COUNTY American Red Cro3s-Hanover Chapter CCCS of Wcstcrn PA 529 Carlisle Sweet 2000 I-inglattown Road Hanover, Pennsylvania 17331 Harrisburg PA 17!02 (717) 631-3768 (717)541-1757 FAX (717) 637-3294 Adams County Housing Authority 139-143 Carlisle St Gettysburg PA 17325 (717)334-1518 FAX (717)334-8326 ~~ Financial Cotnueling Services of Franklin 31 West 3rd Street Waynesboro, PA 17268 (717)762-3265 A LEGHENY C UNTY Action Hooting, Inc. 425 6th Avenue Piasburgh,PA 15219 (412)391-1956 ot(412)281-2102 FAX (412}391-4512 Commtutiry Action Southwest 22 West High Stmt Waynesburg,PA 15370 (724) 852-2893 CCCS of We, tstern Penosylvani4 lnc- 309 Smithfield Street Pinsbtagh, PA 15222 (412) 471-7564 Hottsiag Opportooties 133 Seventh Street yfcKeesport PA 15132 (al2)664-1906 Faz (412)t><i4-0873 PHFA (Narita Hess) Credit Couttaekrs of PA 2275 Swallow HiU Road, Bldg 200 401 Wood Sy Suite 906 Pittsburgh PA 15220 _ Pittsburgh PA 15222 (412129-2842 (412}338-99tH FAXtI(412}429-2835 FAX11(412)338-99tH Urban League Of Pittsburgh Bldg. For Equal Opportunity One Smithfield St. Pituburgh PA 15222.2222 (412)227-4802 FAX (412)227870 Mon-Vallry Unemployed Committee 120 E. 9th Avrnue Homrstead, PA 15120 (412)462-9962 ~f7uFYa:L• ` ~ .1t CCCS of Western Pennsylvania, htc. 217 E. Plank Road Altoona PA 16602 (814)944-8100 or(814~44-5747 lndiam Co. Cotmnurtiry Action Program 827 Water Street, Box 187 Indiana PA 15701 (724}465-2657 FAX (724)465-5118 Armstrong County Community Action Agency Amtsdele Administration Bldg RDK8. Box 287 Kittanning PA 1ti20! (724)548-3405 FAX(724)548-3413 BEAVER COUNTY Action Housing, Inc. 425 6th Avenue, Suite 950 Pittsburgh, PA 15219 (412)391-1956 FAX (412) 391-4512 CCCS of Western Peansylvmia, lnc. 971 Third Street Beaver, PA 15009 (724)774-0798 Mon Valley Uaempbyed Committee 120 E. 9th Avenue Homestead, PA 15120 (412)462-9962 FAX#(412)9964 Housing Oypocnmities [ac. 133 Seventh Street P.O. Box 9 McKeesport PA 15134 (412)664-1906 FAX#(412)664-0873 BEDFURD COUNTY Bedford-Ftilton Housing Servi«s R-D.AI, Box 384 EvecGt, PA 15537 (814)623-9129 FAX (814) 623-7187 CCCS of Western Pemsylvania, Ise. 217 E. Plank Road Altoona PA 16602 {814)944-8100 FAX (814) 94d-5747 Tableland Services, Inc. Weatherimoioa OtSec 535 East Main Sestet 917 Mffllin Street Sottrerset PA 15501 Huntingdon, PA 16652 (814) 445-9628 or 1-80052-0148 (814) 643-2343 FAX (814yt43-3690 BE KS COUNTY Budges Counseling Center 247 North FiRh Sheet Reading, PA 19601 (610)375-7866 FAX (610) 375-7630 CCCS of Lehigh Vallry 3671 Crescent Croat East Whitehall PA 18052 (610) 821011 or 800-220.2733 (814)only FAX (610) 821-8932 Comm~mity Housing Counselor, inC. P.O. Box 244 Kenaen Stprare, PA 19348 (610)444-3682 FAX (610) 444-8243 Housing Opportunities of Heaves County, Inc. 650 Corporation St, Suite 207 Heaves, PA 15009 (724)728-7511 Credit Coutuelo)s~f PA 401 Woad St, Suite 906 Pittsburgh PA 15222 (412x336-9963 FAX#(412}338-9963 Keystone Economic Development Corporation 1954 Mary Grace I.aac Johnstown, PA 15901 (814) 535-6556 FAX (814) 539-1686 Economic Opportunity Cabinet of SchuyOcill Couary 225 N. Centre Sheet Poasville, PA 17901 (717) 622-1995 FAX (717) 622-0429 BLw1R COUNTY Bedford-Fulton Housing Services R.D.#1, Box 384 Evttett, PA 15537 (814)623-9129 FAX # (814) 623-7187 Kcyswne Economic Develop Corp 1954 Mary Grace Lane Jolmswwn PA !5901 (814)535.6556 FAX (814) 539-1688 CCCS of Wesum Pennsylvania, lnc. 217 E. Plank Road Altoona PA 16603 (8(4)944-8100 or (814)944-5747 Weatherization Office 917 Mifflin S[nxt Huntingdon, PA 16652 (814)643-2343 BRADFORD COUNTY CCCS ofNortheastem Pennsylvania ;~ 1400 Abiugum ExeeuCve Park 31 W. Market St 9 Sout]a 7dt Street Suire 1 Wilkes-Burt, PA 18702 Stroudabtsg PA 18360 Clarks 5tmurdtt, PA 164!) (570) 821-0837 or 800A22.9537 (570) 420.8980 or 800-921-9537 (570) 587-9163 OR 1-800.922.9537 FAX (570) 821-1785 FAX (570) 420-8981 FAX (570) 587-9134/9!35 208 W. Hamihon Ave, Suite 1 Hartu7toa Square Plau State CoOege, PA 16801 (814) 238-3668 FAX (814) 2383669 nb Center of Nottheattem PA 10 Public Avrnue 185 Ekttira Street Gerntatt Street, P.O. Box 389 Montrose, PA 18801 P.O. Box Z 18 Drtshore, PA 18614 (570) 278-3338 or 800-98211045 Troy, PA 16947 (570) 928-%68 FAX (570) 278-1889 (570) 297-2101 FAX (570) 928-8144 33 Walnut Sertxe 103 Warren Street, P.O. Hoz 709 931 Main Street Wellsboro, PA 16901 Tuakhannoek PA 18657 Honesdale PA 18431 (570)724.5252 (570)836.6840 (570)253-8941 FAX (570) 724-5783 FAX (570) 836-0332 FAX (570) 253.4817 BUCKS COUNTY Acorn Housing Corporation 846 Narth Broad Shat Philadelphia, PA 19130 (215)765-1221 FAX (215) 765-1427 Northv+est Counseiing Service 5001 North Broad Sheet Philadelphia , PA 19141 (215)324-7500 FAX (215) 320.8753 Bucks County Housing Group. lac. 140 EastRichard4on Avenue Langhorne, PA 19047 (215) 750310 FAX (215) 750-4318 RACE 167 Allegheny Ave god Fl. Philadelphia, PA 19140 (215)426-8025 FAX (215) 426-9122 Commtmiry DevaL Corp of Frankford Geetnautown SeNentertt 4620 Grissom Stmt 218 W. Chclton Avenue Philadelphia, PA 19124 Philadelphia PA 19144 (215)744-2990 (215)8495026 FAX (215) 744-2012 FAX(215)849-3446 American Credit Covnseline Institute 845 Coates St. 144 E Delalb Pike Coatosn7le PA 19320 King of Prussia PA (888)212741 610-971-2210 FAX (610) 265x4814 CCCS of Delaware Valley IS IS Market Sax( -Suite 1325 Philadelphia PA 19107 (215)563-5665 FAX (215) 864-2666 755 York Rd, Suite 103 19406 Warmiavter PA 18974 (215)444-9429 FAX (215) 956-6344 CCCS of Dela+varc Palley TtevoSC Corporate Curter 4606 Sareet Road Trcvoae PA 19047 (215}563-5665 CCCS ofLehigh Vttllry 3671 Cttxceat Court Easi Whitehall, PA (8052 (610) 821011 OR 800-220-2733 FAX (610) 821-8932 BUTLER COUNTY Action Housing, Lx. 425 6th Avenue, Suite 950 Pittsburgh, PA 15219 (412)391-1956 or (412)281-2102 FAX (412) 3914512 CCCS of western PA 1138 N. Main St Extcnsioo Butler, PA 16001 (724)282-7812 Housing Opporumities, lnc. 650 Corporate St., Suite 207 McKeesport, PA 15132 (412)664-1590 FAX (412)664.0873 Housing Opportunities Inc. 133 Seventh Stmt P.O. Box 9 McKeesport, PA 15134 (412) 660.1906 FAX (412) 664-0873 Mon-Valley UtKmployed Cotamiaa 120 E. 9th Avenue Homestead, PA 15120 (412)462-9962 FAX (412) 462-9964 CAM>lR1A COUNTY Bedford-Fulbn Housing Smias RD.q 1. Boz 384 Everett, PA 15537 (814)623-9129 FAX (814) 623-7187 Indian County Community Action Program 827 Water Strut, Hoz 187 Indiana PA 15701 (412)4b5-2657 FAX (412) 465-5 I ! 8 CAME2tON COUNTY Northern Tier Corrttttnry Action Corp. P.O. Boz 389 135 West 4th Street ErttpottitoR PA 15834 (814)486-1161 FAX (814) 486-0825 CCCS of Western PA 217 E. Plazk Road Altoona PA 16602 (814)944-8100 FAX (8!4)944-5747 Keystone Eeon Oevelopmeat Corp. 1954 Mary Grace I,tte Johnstown PA 15901 {814)535-6556 FAX (814)539-1688 CCCS of Westen PA 217 E. Plank Road Altoona PA 16602 (814)944-8100 FAX (8l4) 444-5747 Tableland Smices, lnc. 535 East Main Street Sotttetset PA 15501 (814)445-9628ot 1-8~~52-0146 FAX (S Ia) 443.3690 CCCS of Westefn PA 219-A College Park Plaza Johnstown PA 15904 (814) 539-6335 CCCS of Wester PA 217 E. Plank Road Altoona, PA 16602 (814)944-8100 FAX {814) 9444747 CARSON COUNTY EOC ofSchuylkill Cotmry 225 N. Gentle Sweet Pottsville, PA 17901 (570)622-1995 FAX (717) 622-0429 CCCS of Lehigh Valley 3671 Cresent Court East Whiteball PA 18052 610-821-4011 or 800.220.2733 717 ~ 814 only for BOOp FqX (610) 821-0137 SX;CS of Northeastern Pen~vlvania 1400 Abington Ezavtive Park Suix I Clerks Sem®itt, PA 1841 I (570) 587-9163 OR 1-80Q-922-9537 FAX (570) 587-9134/9135 31 W, Mazket St Wilkes-Barre, PA 18702 (570) 821-0837 or 800-922-9537 FAX (STO) 821-1785 Commission oo Ecoaomia Opportunity of Lttarae Couaty 163 Ambq [.8nc Wilkes-Berne, PA 18702 (570) 826-0510 OR 1-800-822-0359 FAX # (570) 829-1665-CALL BEFORE FAXING (717) 455994 HA23;I.TON FAX # (717) 4555631-CALL BEFORE FAXING (717) 836090 TUNKHANNOCK 208 W. Hamilton Ave, Suite 1 Hamiltoa Square Plaza Stan College, PA 16801 {814)238-3668 FAX (814) 238-3669 CENTRE COUNTY CCCS of Western Pennsylvania, lnc. 217 E. Plank Road Altoona, PA 16602 (8fA)944-$100 FAX (814) 944-5747 Lywming-Clinton Co Comm For Community Action (STEP 2138 Lincoln Street P.O. Box 1328 Williaatspott PA 17703 (570) 326-0587 FAX (717) 322-2197 ~~ 9 South 716 Street Stroudsbetrg PA 18360 (570)420.8980 or$00-922-9537 FAX (570) 420-8981 CCCS of Northeastern Pq 208 W. Hamilton Ave, Suitt 1 Hetlalton Sgmre Plaza Stan ColSega PA 16801 (814)238-3668 FAX (8Il4) 238-3669 CHESTER COUNTY Acorn Housing Corporation Hdb Notth Btoad Stmt philadelpbia, PA 19130 (215)165-1221 FAX (215) 765-1427 Northwest Counseling Services 5001 N. Broad Street Philadelphia, PA 19141 (215)324-1500 FAX (215) 324$753 FIACE 167 W. Alleghaty Ave, 2nd Fi. Philadelphia, PA 19!40 (215)426-8025 FAX (215) 426-9122 /ir Cottonuniry Devel. Cotp of Ftaakford Group Ministry 4620 Griseom Street Philadelphia, PA 19124 (x15) 7a4-2990 FAX (215) 7442012 Garmanrown Settlement 218 W. Cbelwa Avenue Philadelphia PA 19144 (215)8495026 FAX(215)849-3445 Media FeOowship House 302 S.Jacksoo Sheet Media, PA 19063 (610} 565-0846 Cnmmuniry Housing Couasciiag Inc P.O. Box 244 Kennett Square, PA 19348 (610)444-3682 FAX (610) 444.8243 Acr<gicatt Credi_t_Ca unxline Institute 845 Coates St 144 E. Dekalb Pike Caate,9ville PA 19320 King of Prunia, PA (688)212.6741 (6!0)971-2210 FAX (610} 265-4814 CLARION COUNTY CCCS oCWeatem Peaarylvania, Inc. YMCA Building 339 North Washington Strut Butler, PA 16001 (412)282-7812 CL AR~tyLD COUNTY CCCS of Delaware Valley Phila Council For Coteatmniry Adv I S I S Market S~eet. Suite 1325 100 Notch 17th Sweet. Suite 600 Philadelphia, PA 19107 Philadelphia, PA 19103 (21s)563-5665 (21Sy567-7803 FAX (215) Sb3-7020 FAX (215) 963-9941 Tabor Cottununiry Services. Inc. 439 E. King Street Laacaster, PA 17602 (717) 397-5182 OR I-800-788- 5062 (H.O.only) FAX (7{7) 399127 American Red Crass of Chester 1729 Edgemont Avenue Cbester, PA 19013 (b10)874-1484 Budget Counseling Center 247 Notth FiRh Sweet Reading, PA 19601 (610)375-7866 FAX (2-S) 375-7830 CCCS ofDelawaro VaOry Marshall Building 790 E. Market Sc, Suite 215 WatChester, PA 19382 (215)563-5665 755 York Rd, Suits 103 19406 Warminster PA 18974 (215) 4449429 FAX (215) 956-6344 ..,~ _, s Keystone Economic Development Corporation 954 Mary Gtaee Lane lobnstown, PA 15903 (814) 5355556 FAX (814) 539-16$8 Ittdiaaa Co. Comm Action Pmgm 827 Water Street' Box 187 Indiana, PA 15701 (724)4b5-2b57 FAX (412) 465-5 I ] 8 CCCS of Western PA 219-A College Puk Plana loftrtstovm PA 15904 (814) 539-0335 CCCS of Western Prnttsylvania, Inc. 217 E. Plank Road Ahoom PA 16602 (814) 944.$100 FAX (81d) 944-5747 CCCS of Nortbcastern PA 208 Haatiltoa Ave, Suite 1 Harta7toa Square P4v~ State College, PA 16801 (814) 238-3668 FAX (814) 238-36b9 CLIIyTON CQUN1'Y Lycomiag-Ciiaton Cowries Cotnmission For Cammuaiey Action (STEP) 2138 Liawln Street P.O. Box 1328 Williaaugort,PA 17703 (570) 326-0587 FAX (570) 322-2197 CCCS of Nortbeasoem PA 208 W. Hamilron Ave, Suite 1 Hatiu7ton Square Playa Smote College, PA 16801 (814)238-3668 FAX (814} 238-3669 COi~VMB1A C~U,~ITY CAS of Nonheastem pmnsvlvania Carttmission on Ecvaotnia Opporwaity of Luteme County 163 Amber Lane Wilkes-Barra, PA 18702 (570) 826-0510 OR 1-800.822-0359 FAX # (570) 829-1665-FALL BEFORE FAXING (717) 455994 HAZELTON FAX p (717) 455-563 (-CALL BEFORE FAXING (717) 8364090 TUNKHANNOCK 1400 Abington Exautive Park Suite 1 Clarks Sianrttl0. PA 1841 I (570)587-9163 or 800-922-9537 FAX (570) 587-9134!9135 ~ >~ 31 W. Market Sim[ P.O. Hox t 127 Willces-Barre, PA 18702 (717)821-08370R I-800-922-9537 FAX (717) 821-1785 CRAWFOI2D COUNTY Booker T. W ashiagton Center 1120 Holland Street Erie, PA 16503 (814)453-5744 FAX (614}453-5749 Greater Erie Commurrry Action Committee 18 West 9th Sweet Erie, PA 16501 (814)459.4581 FAX (814) 456-0161 John F. Ketmedy Ceara, Inc. 2021 Fast 20th Street Erie, PA 16510 (814)898-0400 FAX QSi4) 898-1243 Shensago Valtry Urban League, Inc. 601 Indiana Avemte Farrell, PA ! 6121 (412) 981-3310 fj f MBERLANp COUNTY Urban Lague of Metropolitan N. 6th Street Harrisburg, PA 17101 (717)234-5925 FAX (717) 234-9459 Adams County Housing Authority 139-143 Carlisle St. Geaysburg, PA 17325 (717)3341518 FAX (717) 334-6326 11AUPii•IN COUNTY CCCS of Western Peaosyivania, Inc. 2000 Linglt:swwa Raad Harrisburg, PA 17102 (717) Sd1-1757 CCCS of Western Pennsylvaair4 laa 2000 Lmgiwtovm Rosd Harrisburg, PA 17102 (717)541-1757 YWCA of Carlisle 301 G Stt+ea Carlisle, PA 17013 (717)243-3818 FAX (717) 731-9589 Urban League of Maropotitan Harrisburg 2107 N, fith Street Harrisburg, PA 17101 (717) 236-5925 FAX (717) 234-9459 ,v~ Coarmuairy Aetioa Comm of the Capital Region 1514 Derry Street Harrisburg; PA ! 7104 (717)232-9757 FAX (717) 236-2227 Financial Counseling Services of Frattklia 31 West 3rd Street Waynesboro, PA 17268 (717)762-3285 Community Aetion Conmtission of the Capital Region 1514 Derry Street Harrisbtag PA 17104 (717) 232-9757 FAX (717)234-2227 10 DELAWARE COUN Arne ltouoing Coeporation Northwest Counseling Service Community Devei Corp of Franitford 846 Nonb Htoad Stmt 5001 North Broad Street Group Ministry Philadelphia, PA 19130 Philadelphia, PA 19141 4620 Gtiscom Save[ (215) 765-12M (215) 324-7500 Philadelphia, PA 19124 FAX {Z 15) 765-1427 FAX (215) 324-8753 (215) 744-2990 FAX (2l S) 744-,2~}2 CCCS ofDelawate Valley HALE PCCA 1515 Matket Saxt-Suite 1325 167 W. Allegheny Ave., 2nd Fiaor 100 North 17th Street Philadelphia, PA 19107 Philadelphia. PA 19140 Suite 600 (2l S) 563-5665 (215) 426-8025 Philadelphia, PA 14 i03 FAX (215) 864-2666 FAX (215) 426-9122 (215) 567-7803 FAX (215)963-99A1 t.rerauntown Senlmertt Community Hausiag Cotrnsekr, Media Fellowship House 218 W. Cbeltoa Avenue Inc. 302 S. laekwn Sweet Philadelphia PA 19144 P.O_ Hox 244 Media, PA 19063 (215)849-0026 ICeanetl Square PA 19348 (b!0) 565-084b FAX(215)849-344b (b10)444-3682 FAX (bIO)444-8243 American Red Cross of Chests CCCS otDelaware Valet' ACCI 1729 Etlgmom Avrnue 280 North Providence Road 144 )" Dekalb Pike Chester, PA 19013 Media, PA 19063 King of Prussia. PA 19406 (b10)874-1484 (215)563-5665 (610)971-2210 ACC! 175 Stratford Ave, Suite ! Wayne PA 14087 (610) 971-2210 FAX (610) b87-7860 ELK COUNTY John F. Kemedy Center, Inc NaRltem Tiet Community Aedon 2021 Fan 20dr Sttt:et Corp Erie, PA 1651 0 P.O. Box 389 (814) 898.0400 - 135 West 4th Sweet FAX (814) 898-1243 Emporium, PA 15834 (814)486-1161 FAX # (814) 486-0825 ERIE COUNTY Booker T. Washington Center Greater Erie Comm Aetioo Comm John F. Kennedy Center, Inc. 1720 Holland Stmt 18 West 9th Street 2021 East 20th Street Erie. PA 1b503 Erie, PA 16501 Erie, PA X6510 (814)453.5744 (814)459-4581 (814)898-0400 FAX (814) 453-5749 FAX (814) 456-0161 FAX (814) 898-1243 tl FAYETTE COUNTY Action Housing. Ina , 425 6th Avenue, Suirc 950 Pittsburgh, PA 15219 (412) 391-1956 or (412) 281-2102 FAX (412) 397.4512 Mon-Valley Unemployed Com[nittee 120 E. 9th Avenue Homestead, PA 15120 (412)462-9962 Tableland ServicGSlnc. 131 North Center Avenue Somerset, PA 15501 (814)445-9628 FAX # (8 t 4)443.3690 FOREST COUNTY Watten-Forrest Counties Economic Opporhmiry Council 204 Liberty Sneer Post OlTice 19ox 547 Warne, PA 16365 (814) 726-2400 FAX a {814) 723-0510 Conmtunity Action Southwe9t 22 Wat High Street Waytusbttrg, PA 15370 (724)852-2893 Fayenc Co, Community Action Ageney,Inc. 140 Noah Heeson Avenue Uniootowa, PA 15401 (724)437-6050 FAX (724) 437-4418 CCCS Of Weston PA 199 Edison Street Uniontown PA 15401 (72439.8939 CCCS of W estem Pennsylvania, inc. 1 Noah Gate Sgwre Greensburg, PA 15601 (724)838-1290 ;+'~' 12 FRwviCLIN COUNTY Financial Setvit:es Unlimited 31 West 3rdStrcet Waynesboro, PA 17268 (717)762-32$5 CCCS of Westcm Pennsylvania, Inc. 912 South George Street York. PA 17403 (?l7} 84fr4176 Cottuntmiry Anion Commission of Captial Regina 1514 Decry Street Harrisbtag, PA 17104 (717)232-9757 FAX (717) 234-2227 FULTON COUNTY Bedford-Fultott Housing Services RD.#i. Box 384 Evetea, PA 15537 (814)623-9129 FAX # (814) 623-7187 CCCS of Western Pettnsylvenia, Inc. 912 South George Street York, PA 17403 (717)846-4176 GREENE COUNTY Action Housing, inc. 425 6th Avenue, Suiu 950 Pittsburgh, PA 15219 (4(2)391-1956 or (412)281-2102 FAX (412) 391-4512 Community Acdon Southwest 22 west High Sweet Wayrtesbutg, PA 15370 (724)852-2893 FAX # (412) 627-7713 YWCA of Carlisle 301 G Sweet Carlisle, PA 17013 (717)243-3818 FAX (717) 243-3948 Arturicarr Red Ctross-Hanover ~A~ 529 Carlisle Streq Hanover, PA 17331 (717)637-3768 FAX Y (717) 637-3294 Urban Lague of Metrapolitatr Hbg 2107 N. 6th Street Harrisburg, PA 17101 (717)234-1923 FAX (717) 2349459 Financial Counseling Services of Franklin 31 West 3rd Street Waynesboro, PA 17268 (717) 762-3285 Mon-YaBey Unemployed Coaurtittee 120 E. 9th Avenue Hamarrad, PA 15120 (412)462-9962 FAX (412) 462-9964 CCCS of Western PA 2000 Lingteatovm Road Hatrnsbtvg, PA 17102 (717)541-1757 FAX (717) 731-9589 Adutts Couory $o~usiag Authority 139.143 Culislc St Getrysbtng, PA 17325 (T17)334-1518 FAX (717) 334-8326 Weatheri~atioo Offiec 917 Mifltin Street Htmtingdon.PA 16652 (814) 643-2343 CCCS of Western Pennsylvania, Inc 1 North Gnu Square Groensbutg,PA 15601 (724)838-1290 13 HUNTINGDON COUY7Y Bedford-Fulmn Howing Services RD 1, Box 384 Everett, PA 15537 {814) 623-91.29 FAX u (814) 623-7187 CCCS of Western Pennsylvania, Inc. Z -? E. Plank Road Altoona, PA 1b602 (814)944-8100 FAX {8 { d) 944-5747 Westheriiation Office 917 Mifflin Stree[ Hontingdoq PA !6652 (814) 643-2343 ,~ 1NDrANp coUNTY CCCS of Wesreati Pemsylvania, Inc. t Nosh Gate Square Greensburg, PA t 5601 024) 838-1290 Indian Co. Cotmttuniry Action Program 827 Water Street' Box 187 Indiana, PA 1570! (724) 465 2657 FA}C(412)465-5118 CCCS of Western PA 219-A Colkge Park Plaza Johnsaown PA 15904 (814)539-6335 Keystone Ecooomio Development Corporation 1954 Mary Gnoe Lac Johtssbvvo, PA 15901 (814) 535556 FAX (8Id) 539-1688 JEFFERSON COUNTY John F. Kennedy Curter, Inc. 2021 East 20th Street Erie, PA 16510 (814)$98-0400 FAX (814) 898.1243 JUNiA A COUN'T,b' CCCS of Western Pennsylvania, Indiana County Corrnnuniry Aetion inc_ program YMCA Building 827 Water Strut, Sox t 87 339 North Washington Sitxt Indiana, PA 15701 Butler, PA 16001 (724) 465-2657 (724) 282-7812 FAX (412) a65-51 I S CCCS of Western Peonsylvani~ inc. Weatheritation Office 217 E. Plank Road 917 Mifflin Shee[ Ahoooa PA !6602 HtmtingdogPA 16652 (814)944-8100 (814)663-2343 FAX (8i4) 944-5747 la GACXAWA.V!yA COUNTY CCCS of Northeastern Pennsvlyi0ia 31 W. Marks Saes 1400 Abiagton F-xecudve Park P.O. Box 1129 Suite 1 W Ikea-Barre, PA 18702 Clarks Stmtmia, PA 18411 (570) 821-0837 OR 1-800-922-9537 (570)587A1b3 or 800.955-9537 FAX (570) 821.1785 FAX (570) 587-9134/9135 LANCASTER COUNTY Comtmtttity Hoattiag Cotmselors, Incorporated P.O. Hox 244 KeoaeaSgttaro,PA 19348 (215)444-3682 FAX (215}444-3178 CCCS of Lehigh Valley 3671 Creaceot Court Fast Whitehap, PA 18052 (215)821.4011 1-800.220-2733 (717) & (814) ONLY FAX (215) 821-8932 ~~~ Tabor Community Servit:es, lac. 439 >~ King Stmet~ Lmeaster, PA 17602 (717)397-5182 OR I-800-788-SOb2 FAX (717) 399-4127 CCCS of Western Pennsylvania, Inc. 922 South Gorge Sweet York, PA 17403 (7!7)846.417b LAW_ RE CF~COUNTY CC of Western.Pennsylvmia 1st Federal Plaza-Suite 40b 312 Chesgtut Shee4 Strife 227 Housing Oppordmities of Heaver County Notth Mil] Sweet Meadville PA 16335 650 Corporatioa St, Suite 207 New Castle, PA 1610) (814) 333-8570 Beaver, PA !5009 (724)b52-8074 (724)728-7202 FAX (412)728-7202 Shenango Valley Utbm League, Inc. 601 Indian Avenue Farrell, PA 16121 (724) 981-5310 15 LEBANQN COUNTY Economic OpporNniry Cabinet of Schuylkill County 225 North Centre Street Potuville, PA 17901 (717)622-1495 FAX (717) 622.0429 Tabor Cammttniry Services, Inc 439 E. King Street Lancaster, PA 17602 (717) 397.5182 OR I-800-788- 5062 FAX (717) 349.4127 LEHIGH COUNTY CCCS of L.ebigb V alley 3671 Creseeot Court East Whitehall, PA 18052 (610) 8214011 OR 1-800-220.2733 (717) B; (8l4) ONLY FAX # (610) 821.8932 Economic Opport Cabinet of Schuylkill Co 225 Nonh Ca+tre Sweet Pottsville, PA 17901 (7(7)622.1995 FAX # (7l7) 622.0429 LUZERy,~ COUNTY CCCS of Nottheastem. Prnnsvlvsnia 31 W. Marled Street P.O. Box 1127 Wilkes-Hatre, PA 18702 (570) 821-0837 OR 1-800-922-9537 FAX (570) 821-1785 1400 Abington Executive Park Suite 1 Clarks Summits, PA 18411 (570)567-8163 or 800.922-9537 FAX (510) 587.9134/9! 35 Comm, on Econ Opportunity of Luzetae County 163 Archer Lase Wilkes-Barre, Pennsylvania 18702 (570) 826-0510 OR I-800-822.0359 FAX # (570) 829-1665~ALL BEFORE FAXING (717) 455.4994 HA2'ELTON FAX 4 (? 17) 455-5631--CAIJ.. HEFORB FAXING ' (717) 836x1090 TUNKHANNOCK ,' ;~` EOC of Schuy8a71 County 225 North Centre Strxt Pottsville, PA 17901 (570)622-1995 FAX # (590) 622-0429 16 S,_YCO~titINC COUNTY CCCS ofNonhea_crern Pennevlvania Lycomiag-Clidlon Cowries Coauaission For Cattmnmiry Action (STEP) 2138 Liaeota Street P O. Boz 1328 Williaatspors„ PA 17703 (570)326-0587 FAX (717) 322-2197 ~ .~ ~,r n Jolts F. Kemedy Center, lac. 2021 Etut20th Street Erie, PA 16510 (81a)898-0400 FAX{814) 898-1243 MERCER COUNTY Shepmmgo Valley Urban League, Inc. 601 Indiana Avenue Fnrxell, PA 16121 (724) 981-5310 MIRFLIN COUNTY 1400 Abington Executive Puk 31 W. Market Sweet Suite 1 P.O. Boz 1127 Clarks Summitt, PA 18411 Wt7kes-Hate, P!!~~8702 (570) 587Ai63 of 800-922-9537 (570) 821A837'OR 1-800-922-9537 FAX (570) 587-9134/9135 FAX # (570) 821-1785 Northern Tier Cottrmtatity Anion Corp P.O. Box 389 135 W. 4th Street Emporium, PA 15834 (814) 48b-1 l ti 1. FAX (814) 4$6-p825 CCCS of WeaurnPeaasylvania, lnc. YMCA Building 339 Notch Washington Stt~eet Butler, PA 16001 (724)282-7812 CCCS of Weaaern Pennaylvaoia, Inc. WeaWeritatioo Office 217 E. Plank Road 917 Mitllitt Sweet Altoona PA 16602 Hwtingdoa, PA 16652 (814)944-8100 (814)643-2343 FAX (814) 944-5747 MONi;OE COUNTY CCCS otNortheastem PA 208 W. Hatrn7ton Ave, Suite 1 Hamilton Square Plata Stare College PA 16801 (814)238-3668 FAX (814)238-3669 17 ~~ CCCS of NortheaaemPennsvlvania 3 ! W. Market Steeee 1400 Abingwn E:ecucive Pack P.O. Box 1127 Suite 1 Wilka-Barre, PA 18702 Clarks Summin PA 1841 i (570) 821-0839 OR 1-800-922-9537 (570).587.9163 or 800-922-9537 FAX (S70) 821-1785 FAX (570) 587-9134!9135 Gorton oo Eeon Opp of Lttzane County 163 Amber Lane Wilkes-Barte,PA 18702 (570) 826-0510 OR 1-800-822-0359 FAX # (570) 829-!665-CALL. BEFORE FAXING (570) d55-4994 HA27:I.TON FAX # (570) 455-5631--CALL BEFORE FAXING (717) 836x4090 TUNKHANNOCK 9 Seuch 7th Sweet 54oudsburg PA 18360 (570)420-8980 or 800-9Z2-9537 FAX (570) 420-8981 ~,t~ MONTGOMERY COUNTY Acorn Housing Corporation 846 North Broad Sweet Philadelphia, PA 19130 (215) 765-122! FAX (215) 765-1427 Northwest Counseling ServirP 5001 N. Broad Street Philadelphia, pA 19141 (215)324.7500 FAX (215) 324-8753 CCCS of Delaware Valley 1515 MarkrxStreey Suite 1325 Philadelphia, PA 19107 (215)563-5665 FAX (215) 864-2666 Phila Council For Community Advmnc Germantown Sealetnent 100 Noah 17th Street, Suite 600 118 W. Cheltoa Avenue Philadelphia, PA 19103 Philadelphia PA 19144 (215)567-7803 (215)849-6026 FAX (215) 963-9941 FAX(21S)849-3446 Media Fellowship House 302 S. Jaelcsoa Street Media, PA 19063 (610) 565-0846 CADCOM 70i DeKalbStctxt Norristown, PA 19401 (610) 27I-6363 FAX (b10)277-2123 American Credit Counselinc Institute 645 Coates St. 144 E. Dekalb Pike Coatesvipe, PA 19320 King of Prussia PA (888)2126741 (610)971-2210 FAX (610) 265~B1a MONTOUR COUNTY Conummiry Housing Cotusselors Inc P.O. Box 244 Kennet4 Square, PA 19348 (215)444-3682 FAX (215) 444-8243 CCCS of Delaware Valley Norristown Business Curter 190 W. Germaotovun PtYe, Suite 140 Norristown PA 19401 (215) 563-5665 7S5 York Rd., Suite l03 19406 wa.,,,l„~... PA 18974 (2!5)444.9429 FAX (215) 956344 18 CCCS of Natrheastern Pmnsvlvania 31 W, bfatkex Street 1400 Abington Executive Park P.O. Bax 1127 Suite t Willces-Sarre, PA !8702 C1arkc Summiq PA 18411 (570) 821-0837 OR I-800.922-9537 (570) 587-9163 or 800.922-9537 FAX (570) 82]-1785 FAX (570) 587-9134/9135 NORTHAMPTON COUNTY CCCS of Lehigh Valley 3671 Cnesceat Cove East Whitehall, PA 18052 (610) 821.4011 OR )-800.220.2733 (717) do (814) ONLY FAX (610) 821-8932 NOR MBERLAND COUNTY CCCS ofNorthesstem Prnnsylvania 31 W.14arkd Street 1400 Abington Executive Pack P.O. Box 1127 Suite 1 Wilkes-Harm, PA 18702 Clarks Summiq PA 18411 (570) 821-0837 OR 1-800-922-9537 (570)587-9163 oc 800.922-9537 FAX (570) 821-1785 FAX (570) 587-9134/9135 ~ RRY COUNTY CCCS of Western Pennsylvania, lac, 2000 Liaglestown Road Harrisburg, PA 11102 (717) 541-1757 Urban League of Metropolitan Harrisburg 2107 N.6eh Stmt Harrisburg, PA 17101 (717)234.5925 FAX (717) 234-9459 Financial Covoscling Service of Franklin 31 West3cdStreet Waynesboro, PA 17268 (717)762-3285 YWCA of Carlisle 301 G Street Carlisle, PA 17013 (717)243-3818 FAX (717) 243-3948 PH LAD LPHlw COi~V'1'Y ~~ Eeooornic Opportunity Cabins of Sehuyllrill County 225 Noctlt Centre Street Pottsville, PA 17901 (570)622-1995 FAX (570) 622-0429 Weatherization Office 917 Mi1i}lin Sneer Huatiagdon, PA 16652 (814)ti43-2343 Community Acdtm Commission of The Capital Region 1514 Derry Stmt Harrisbug PA 17!04 (717)232-9757 FAX (717) 234-2227 19 Acorn Housing Corporation Sdb Noah Broad Street Philadelphia, PA 19130 (215)765-1221 FAX b (215) 763-1427 CCCS oflkiawazt: Valley I S IS Market Street, Suite 1325 Philadelphia PA 19107 (215)563-5663 FAX # (213) 864-2666) RACE 167 W, AlleBhrny, 2nd Fl Philadelphia, PA 19140 {215)426-8025 FAX ~ (213) 426-9122 Germeatown Settlement 218 W,Chehoa Avenue Philadelphia PA 19144 (213)849-6026 FAX(215)849-3446 Northwest Counseling Service 3001 N Broad Street Philadelphia PA 19141 (215) 324-7500 FAX#{215)324-8733 CCCS of Delaware Valley One Cherry Bill, Sui¢ 213 Cherry Hill NJ 08002 (213),563-5665 Housing Association of Delawaze Valley 1300 Walnut Steeet, Suite 601 Philadelphia, PA 19102 (215)545.6010 FAX # (215) 790-9132 Media Fellowship Horne 302 S. Jaelnon Stmt Media PA 19063 (610)563-0846 Atlgtican Credit Counseling institute 845 Castes St 144 E Dekalb Puce Coatesville PA 19320 King of Prussia PA 19406 (888)212-0741 610-971-2210 610-971-2210 P[KE COUNTY fCCS ofNonh s ern Penneviv nia 31 W, Market Street, PO$ 1127 Wilkts-Satre, PA 18702 (570) 821-0837 OR 1-800-422-9537 FAX # (570) 821-1783 1 d00 Abington Executive Pack, Suite 1 Clarks Sumntitt PA 18411 (370)387-9163 or 800.912-9537 FAX(570)387-9134N 13 S POTTER COLLNTY Nocthem ?ier Cot®tmiry Action Corporation 133 Wet 4rh Street Etrrporitart, PA 13834 (B 14) 4$1161 SCHUYLKII,L COUNTY Community Developittrnt Corp of Frankford Group Minicoy a620 Grissom Street Philadelphia PA 19124 (213)744.2990 FAX#9215)744-2012 PCCA I00 Noah 17TH ~reet,Suite 600 Philadelphia, PA'19103 (215} 567-7803 FAX # (215) 963-9941 Housing Association ofDelaware Valiry 638 North Watts Street Philadelphia, PA 19123 (215) 978-0224 FAX # (215) 765-7614 755 York Rd, Suite 103 Warminster PA I897d FAX(215)956.63a4 9 South 7th Street Stroudsburg PA 18360 (S70y420-8980 or 800-922-9537 FAX(570)420.8981 20 Budget Coustsetetg Cents EOC of SehuyUtill Cautuy CCCS of Lehigh Valley 247 North Fifth Street ,225 N. Centre Stren P.O. Box A heading, PA 19601 Potrsville, PA 17901 Whitehall PA 18052 (610}375-7866 {717)622-1995 (6!0}821(111 FAX a (215) 375-7830 FAX # (717) 622.0429 FAX#(610)821-8932 Commission oo Ecoaomie Opportuniry of Luzr:eue t:aunty ~ ~ 163 Amber Lane WiOces-Barre PA 18702 (717)826-0510 OR 1-800-822-0359 FAX#(717) 829-1665-CALL BEFORE FAXING (717) ass~99a HazELroN FAX # (719) 415-5631--BALL BEFORE FAXING •(717) 836.4090 TUNKHANNOCK SNXIdER CCCS of Western Pennsylvania, Inc Urban League of Metropolitan Communiry Aetiou Comm of the Capital 2000 Linglestown Road Hattisbutg Region Harrisburg, PA 17102 2107 N. 6th Street 1514 Dory Stmt (717) 541-t75? Harrisburg PA 17101 Harrisburg PA 17104 FAX(717)731-9589 17101 (717)232-9757 (717)541.1757 FAX#(717)234-2227 FAX(717)234-9459 SOMERSET COUN'Q Bedford-Fulton Housing Services Bedford-Fulton Housing Services Tableland Services ine. RD.#1, Sox 384 1954 Mary Glace Lane 535 Fast Main Street Evereq PA 15537 ]ohnstown, PA 15901 Somerset, PA 15301 (814j 623.9129 (FAX # ($14) 539-1688 (814)445-9628 - I-800.452-0148 FAX FAX # (814) 623-7187 # (814) 443-3690 CCCS of Westerp Pennsylvania, Inc. CCCS of western Pennsylvania, 1 North Gate Squme 219-A College Park Plana #2 Garrlw Cesar Drive Johnswwn PA 15904 Gteensbutg,PA 15601 (814)539-6335 SULLIVAN COUNTY ACS of Northmttem Pennsylvania 21 1400 Abington Executive Park, Suite i Clarks Summi4 PA 18411 (570)587-9163 OR i-800.922-9537 FAX # (570)5 87-9 1 3419 1 3 5 31 W. Market St Willca-Barre PA 18702 (570)821-0837 or 800-922-9537 FAX#(570)821-1785 The Trehab Center of Nortiteaste:m PA 185 Elmira Stree4 P.O. Box 218 Troy, PA 16947 (570)297-210{ FAX(570)297-2799 Gamaa Stmt, P.O. Box 389 Dushore PA 186(4 FAX(570)297-2799 (570)928-9668 FAX(57o)928-81x4 17 Crofton Streit Wdlsb~o, PA 16901 (510)724.5252 FAX(570)724.5783 7 Lake Avenue, Box 339 Montrose, PA 18801 (570) 27&3338 or 1-800-982045 FAX# (570) Z78-1889 SUSOUEI:1 NNA CO[i1~lY CCCS_ofNortheattem Pennslwania 1400 Abington Exeeutive Park, Suite ! Clarks Summia, PA 18411 (570)587A163 OR 1-800-922-9537 FAX # (570)587-9134/9135 31 W. Marko St W(Ikes-Barre PA !8702 (570)821-0837 or SOQ-q22-9537 FAX#(570)821-1785 The Trchab Cent~f Northeastern PA 185 Elmira Stmt, P.O. Box 218 Troy, PA 16947 (570)297.2101 FAX(570)297-2799 Gatrran Sweet, P.O. Box 3$9 Dushott PA 18614 FAX(570)297-2799 (570)928-9668 FAX(570)928-8144 17 Craftoa Street Wellsbom, PA 16901 (570)?24-5252 FAX(5?0)724-5783 7 Lake Avearue, Hox 339 Montrose, PA 18801 (570) 278-3338 or 1-800-982{045 FAX# (570) 278-1889 43l Main Street. ,}t` Honesdale PA 18431 (570)253-89b1 FAX(570)253-4817 !03 Warted Street, P.O- Box 709 Tttnkhannoek, PA.]8657 (570) 836-0840 FAX(570)83b-6332 931 Msm Street Honesdale PA 18431 (570)253-8941 FA7C(570)253-4817 t03 Warren Sweet, P.a. Box 709 Tuttkbtmnock, PA 18657 (570) 83ti-6840 FAX(570)836-6332 I2 T10GA COUNTY CCCS of Northeastem_Pennsy,van'a 1400 Abington Fxeeueive Pu1S Suite 1 3 t W. Maritet St. Ctuks Summiq PA 18411 WiOccs-Barre PA 18702 (570)587-9163 OR 1-800-922-9537 (570)821-0837 or 800-922-9537 FAX # (570)587-9134N135 FAX#(570)821-1785 ThaTrchab Cenrer ofNorelteas rn PA 185 F-lmira Street, P.O. Box 218 Troy, PA ib947 (570)297-2101 FAX(170)297-2799 17 Grafton Sneer Wellaboro, PA 16901 (570)724-5252 FAX(570)72a-5783 UNLON COUNTY Lywming-+Cliaton Co Comm For Comm Aaioo (STEP) 2138 Lincoln Street, P.O. Box 1328 WilliaratPort, PA 17703 (570)326-0587 FA){ # (717) 322-Z 197 VENANCO COUNTY Greater Erie Cotnmuniry Anion Commiaec I S West 9TH 5trtet Erie, PA 16501 (814)459-4581 FAX # (814) 456-0161 WARREN COUNTY Booker T. Washington Crnter 1720 Holland Street Erie, PA 16503 (814)453.5744 FAX # (814) 453-5749 Grarnan Strce~ P.O. Box 389 Dwhore PA 18614 FAX(570)297-2799 (570)928-9668 FAX(570)928-8144 7 Lake Avenue, Box 339 Montrose, PA 18801 (570) 278-3338 or 1-800-982.4045 FAX# (570) 278-1889 CCCS ofWestarn PeMaylvaois 217 E. Plank Aoad Ahoona PA 16602 (8!4)944-8100 (814)94a-8100 John F. )Cemtedy Center, Inc 2021 East 20W Street Erie, PA 16510 (814) 898-0400 FAX M (814) 898-1243 Greater Erie Community Action Cornmitrce 18 West 9TH Stmt Erie, PA 16501 (814)459j1581 FAX # (814) 456.0161 ~~ 931 Main Street Honesdale PA 18431 (570)253-8941 FAXQ570)253-4817 103 Warren SRa1, P.O. Box 709 Tunkhagnock PA 18657 (570)836.6840 FAX(570)836-6332 CCCS of Western Pennaylvm»a, lnc. YMCA Building 339 North Washmgtoa Street Butter, PA 16001 (a 12u82.7812 Warren-Forrest Comdr P-cooomic Opportmiry Comeil 1209 Ppep9Ylvetria Avenue, Weat A.O. Box 547 Wuretr, PA 16365 (814)726-2400 23 WASAING'FON COUNTY exiori Housing, I»c. 425 6th Avenue, Suiu 950 Pinsbttrgb, PA 15219 (412)391-1956 or(4l2}281-2102 FAX#(dt2)341.451Z CCCS of Weatetn Pennaylvania, lne. t North Gate Square Greemburg, PA 1560! (724)838-1290 Commuoity Action Southwest 22 W est High Street Waytttsburg, PA 15370 (724)852-2893 Housing Op¢ottttttities, lnc 133 Seventh Street McKeespon, PA 15132 (432)664-1590 FAX # (4lZ) 664-0873 CCCS of Western Patnsytvania, lnc 53 N. College Street Wuhingtoa PA 15301 (724)222-8292 Mon-Va(lty Unet~loyed Cotttettitt« 120 E_ 9th Avectite Hotnesuad, PA 15120 (412}462-9962 FAX(4l2)462-996 Credit Counselors of PA 401 Wood Sr. Suite 906 Pittsbttrgh PA 15222 (412}338-9963 FAX#(412)338-9963 W~YNE COUNTY CCCS efNortlteasttan Pennsylvania 1400 Abington Executive Patio, Suite 1 3 t W, Market S~ 9 South 7th Stmt Clarks Sttmmitt, PA 1841 ] WiBtes-Barre PA 18702 Stroudsburg PA 18360 (570)587-9163 OA 1-800-922-9537 (570)821-0837 or800-922-9537 (570}120-8980 ot800-922-9537 FAX # (570)587A134/9135 FAX#(570)821-1785 FAX(570}420-8981 The Trehab Cenrer of Northeastern PA 185 Elmira Street. P.O. Hox 218 Tray, PA 1b947 (570)297-2101 FAX(570)297-2?99 Getmerr Stmt, P.O. Box 389 Dusbore PA 18b14 FAX(57p)297-2799 (570) 928 9668 FAX(570)928-8144 931 Main Srrcet Honesdale PA 18431 (570)253-8941 FAX(570)?53-4817 17 Grafton Sheet Wellaboro, PA 16901 (s7o) nas2sz FAX(570)7245783 7 Lake Avenue, Hox 334 Montrose, PA 18801 (570) 2T8-3338 ~ I-800-982.4045 FAXA (570) 278-1889 103 Wasrca Strew, P.O. Box 709 Temkltaaaoek, PA 18657 (570) 836.6840 FAX(570)836-6332 24 WESTMOt2ELAND COUNTY Action Housing, Inc. 425 6th Avenue, Suite 950 Pituburgh,PA 13219 (412) 39L-1956 or (412)Z81-2102 FAX#(412)3914512 CCCS of Western Pennsylvania, Inc. 1 Noah Gate Square #2 Garden Center Drive Greensbtug,PA 15601 (724)838-1290 Coquttugity Actioq Southwest 22 West High Streer Waynesburg, PA 13370 (724)832-2893 CCCS of Western Pennsylvania. lac 199 Edison Srreer Uniontown PA 1540{ (724)439-8939 Housing Oppommities, Iae !33 Seventh Sttest McKeesport, PA 15132 (412)664.1590 FAX ax (412) 664-0873 WYOMING COUNTY Comm Eeon Opport of Luretne Co t63 amber Lane Wilkes-Bath, PA 18701 (570) 82it-0510 OR 1-800-822-0339 FAX # (570) 829-1663 Moo-Vallry Unemployed Indian Co Comr~gity Action Program Comtnittcs 827 Water Stress, Box 187 110 E. 9th Avenue Indiana, PA 15701 Homestead, PA 13120 (724j 463-2637 (012)462-9962 FAX(724)463-3118 FAX(412)462-996 Tableland Services Inc. 535 Easy Maio Street Sametset, PA ! 3501 (814j 445A628 1.800-452-0148 FAX # (814)443-3690 Keystone Eeomtgic Development COlpnraUbp 1954 Mary Grace Lane lohgs¢owq PA 13901 (814)5354556 (FAX # (814) 539-1688 CCCS of Northeastern Pennsylvania 1400 Abingtoq Executive Park, Suite 1 31 W. Mazket St. Clarks Sutnntiq, PA 18411 Willces-Bans PA 18702 (570)587-9163 OR 1-800-922-9337 (570)821A837 or 800-922-9537 FAX # (570)387-9134/9135 FAX#(570)821-1785 The Treltab Center of Northeastern PA 185 Elmira Stree4 P_O. Box 218 Gettnen Street, P.O. Hox 389 931 Main Stree« t Troy, PA 16947 Dttsbore PA 18614 Honesdale PA 18431 (570)297-210! FAX(370)297-2799 (570)253-8941 FAX(370)297-2799 (570) 928-%68 FAX(570}253-482 7 FAX(570)928-8144 17 Grafton Sleet 7 Lake Avenue, Box 339 103 Warren Street, P.G. Hox 709 Wellsboro, PA 16901 Montrose, PA 18801 Tunkhaogock, PA 18657 (370) 724-3252 (570) 278-3338 or 1-800-982045 (570) 836.6840 FAX(570)72d-5783 FAX# (370} 278-1889 FAX(370)836-6332 25 YORK COUNTY Americas Red Cross-Hanover Chapter Housing Couneil of York 529 Carlisle Street 116 North George Street Hanover, Ptauuylvasia 17331 York, PA 17401 (717)637-3768 (717)854-154! FAX 11(72?) 631-3294 FAX p (717) 845-7934 Adams County Housing Authority 139-141 Carlisk St Gaetysbtag PA 17325 (717)334-1518 FAX(717)334-8326 CCCS of Western Pennsylvania 2000 Lisgltxtown Road Harrisburg, PA 17102 (717)541-1757 CCCS of Western Pennsylvania, lnc 912 South George Street York, PA 17403 (710846-4176 ~~ 26 a .. VERIFICATION I, JILL M. WINEKA, ESQUIRE, Attorney for Homecomings Financial Network, Inc., Servicing Agent for BankOne, National Association, Trustee, verify that the statements made in the foregoing Plaintiff's Amended Complaint in Mortgage Foreclosure are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. Owing to time constraints and our client's offices being out of state, counsel is signing this Verification based upon information and documents within counsel's possession which were provided by the Plaintiff, as well as information which is of public record. Jil . Wineka, Esquire A rney for Plaintiff Date: ~ U ~Z ~ ~G a } ~. ~ r CERTIFICATE OF SERVICE I, Barbara A. Shadel, an employee of the law firm of Purcell, Krug & Haller, do hereby certify that I served a true and correct copy of Plaintiff's Amended Complaint on the following by depositing same in the United States Mail, First Class Postage, Postage Prepaid, addressed as follows: Dennis R. Sheaffer, Esquire 111 North Front Street P. O. Box 889 Harrisburg, PA 17108-0889 Attorney for Defendant, Charles J. Smeigh Barbara A. Shadel Dated: JD~o19~0) ~ d '~ s~ Q -r 'l T -Y) we' (^j -'~ 2 J "L: C; ' 7 r ; _._; _ _ = <; , r`+ -a -~ `~ S- BANKONE, NATIONAL ASSOCIATION, TRUSTEE, Plaintiff vs. CHARLES J. SMEIGH, Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND CO., PENNSYLVANIA NO. 01-4845 CIVIL ACTION -law IN MORTGAGE FORECLOSURE PRAECIPE TO DISCONTINUE TO THE PROTHONOTARY: Kindly mark the above-captioned matter discontinued with prejudice. Respectfully submitted, ~ w Ji . Wineka, Esquire orney ID # 58802 PURCELL, KRUG & HALLER 1719 North Front Street Harrisburg, PA 17102 (717) 234-4178 Attorneys for Plaintiff Dated: y/ C~/(~ Z CERTIFICATE OF SERVICE I, Barbara A. Shadel, an employee of the law firm of Purcell, Krug & Haller, do hereby certify that I served a true and correct copy of the foregoing Praecipe upon the following by depositing same in the United States Mail, First Class Postage, Postage Prepaid, addressed as follows: Dennis R. Sheaffer, Esquire 111 North front Street P. O. Box 889 Harrisburg, PA 17108-0889 Attorney for Defendant, Charles J. Smeigh arbara A. Shadel Dated: 7~~/~ ,~ (fcl\homecomings\smeigh\prae to disc) C: c_~ t, ~ T, ~w ~ -; ~~.-+ ~ - - `m ~~~ cn~ , cn - ~t ,C ' ~ ~L ~: , - =i J ~ r n~ r: 1 Pl "i ~` cn - ~