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Home My WebLink About99-00015 '1 e." r ~~ I: 'I( 'I' !'II ~.. . ~. 'H., . " too ( ... ...-;. " . ~ J J / / 1/ ':'~ - i' 'j' ~ ... ~ - O-s 0.. .<:J \fI,i/ -, , I. " CITlBAN<e . '. '- RB, Property, Loan No, Mortgagee, Date, 311 Erfo~d Road Camp Hill, PA 17011-1168 0009606559 ~'.H.L.M.C. 11/03/98 TO, Ethel Damachroder 311 Erford Rd Camp Hill PA 17011-1168 NOTICE OF INTENTION TO FORECLOSE MORTGAGE under S~otion 403 of PA Act No.6 of 1974. (READ ALL PAGES OF THIS NOTICE CAREFULLY) Citicorp Mortgage, Inc. is p~oviding this notice as Lender or servicing agent for the l,ender. The MORTGAGE held by the above name MORTGAGEE (hereinafter we, us, or oura) on your property noted above under RE" IS IN DEFAULT because you have not made the monthly payments as noted below under (a), Previous late charges under (b), if any, have alao accrued to this date, THE TOTAL AMOUNT NOW REQUIRED TO CURE THIS DEFAULT IS $4,135,84, INCLUDING $116,14 IN LATE Ct~GES IS NOTED BELOW UNDER (c), (b) Previous late chargers) (a) 09/01/98 thru 11/01/99 3 @ $1,339,90/month 2 @ $59.07/1ate charge/month $4,135,84 $0,00 (c) TOTAL AMOUNT (a)+(b) REQUIRED AS OF THIS DATE, $4,135.84 You may cure thin default by 12/03/98 (or the next business da)' thereafter if 12/03/98 is a Saturday, Sunday, or Federal Holiday) by paying to us the amount under (cl above, Any additional payments and late charges that fall due during this period must also be paid to bring your loan current, Such payment must be made either by CASH, CASHIER'S CHECK, CERTIFIED CHECK, OR MONEY ORDER made payable to Citicorp Mortgage, Inc" 15851 Clayton Road, Ballwin, Missouri 63011. If you do not cure the default by 12/03/98, "e intend to exercise our right to accelerate the mortgage payments" This means that whatever is owed on the original mortgage amount borrowed will be considered due immediately, and you may lose the chance to payoff the original mortgage in monthly installments, If full payment of the amount of the default is not made by 12/03/99, we also intend to instruct our attorneys to start a lawsuit to foreclose your mortgaged property. If the mortgage is foreclosed, your mortgage property will be sold by the Sheriff to pal' off the mortgage debt, If we refer your case to our attorneys, but you cure the default before they begin legal prooeedings against you, you will at ill have to pay the reasonable attorney's fees actually incurred up to $50,00. Page Two U/03/S18 0009~06559 However, if legal proCleedings are staned against you, you will have to pay the rsasonable attorney's fees even if they are over $50.00. Any attorney's fees will be added to whatever you owe us, which may also include our reasor.able costs. If you Oure the defaul t by 12/03/98, you will not be required to pay attorney's fees. Also, we may sue YO\1 personally for the unpaid pl'incipal balancll, and all other Bums due under the mortgage, If you have not cured the default by 12/03/98, and foreclosure prooeedings have begun, you will still have the right to cure the defaul t and prevent the sale at any time up to one hour before the Sheriff's foreclosure sale, You may do so by paying the total amount of the unpaid monthly payrnents plus any late charges, chat'ges then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale (and perform any other requirements under the mortgage), It is estimated that the earliest date that euch a Sheriff's sale Clould be held would be approximately THREE (3) MONTHS FROM THE DATE OF THIS LETTER, A notice of the date of the Sheriff's sale will be sent to you before the sale, Of course, the amount needed to cure the default will increase the lon~er you wait, You may find out at any time exactly what the required payment will be by calling us at the following number: 1-800-374-9914. This payrnent must be in cash, cashier's check, oertified check or money order and made payable to us at the address stated above. You should realize that a Sheriff's sale will end your ownership of the mOl'tgaged property and your right to remain in it, If you continue to live in the property after the Sheriff's sale, a lawsuit oould be started to evict you, You have additional rights to help protect your interest in the property, YOU HAVE THE RIGHT TO SELL nIE PROPER1~ TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT, YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL OUTSTANDING pAYMENTS, CHARGES, ATTORNEY'S FEES, AND COSTS ARE PAID PRIOR TO, OR AT THE SALE (AND THAT OTHER REQUIREMEN'fS UNDER THE MORTGAGE ARE SATISFIED), CONTACT US TO DETERMINE UNDER wtlAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST, YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY A THIRD PARTY ACTING ON YOUR BEHALF, EXHIBIT A CITlBAN<e 11/03/98 BTHEL OAMSCHROOER 311 ERFORO RO CAMP HILL PA 17011-1168 RE, ACCOUNT., 0009606559 Prom, CITICORP MORTGAGE, INC, ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE The Co~nonwealth of Penneylvania's Homeowner's Emergency Mortgage Assist<<nce Program may be able to help you, Read the following notice to find out how the program works. If you need more information call the Pennsylvania Housing Finance Agency at 1(900) 342-2397, L<< notificacion en adjunto ee de suma importancia, pues afecta su dereCho a continuar vi viendo en eu CaBa, Si no comprende el contenido de esta notHicaoion obtenga una traduccion immediat<<mente llamanda esta agencia (Pennsylvania Housing Finance Agency) sin cargos al numero mencionado arriba. Puedes ser elegible para un prestamo por e1 programa llamado "Homeowner's Emergency Mortgage Assistance Pl-ogram" el cual puede salvar su casa de la perdida del derecho a redimir su hipoteca. AC1' 91 NOTI CE IMPORTANT, NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM PLEASE READ THIS NOTICE, YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS, You may be eligible for financial assistance that will prevent foreclosure on your mortgage if you comply .,ith the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1903 (the "Act"), You may be eligible for emergency tempox'ary assistance if YOUl' defaul t has been caused by cixcumstances beyond your control, you have a reasonable prospect of resuming your mortgage payments, and if you meet other eligibility requirements established by the Pennsylvania Housing Finance Agency, EXHIBIT 8 " . CITlBAN<C' .. U/03/9~ NELSON DAMSCHRODER 311 BRFORD RD CAMP HILL PA 1,7011-1169 RE, ACCOUNT _, 0009606559 From, CITICORP MORTGAGE, INC. AC~' 91 NOT! CE TAKE ACT10N TO SAVE YOUR HOME FROM FORECLOSURE The Commonwealth of Pennsylvania's Homeowner's Emergency ~lortgage As~istance Program may be able to help you. Read the following notice to find out how the program works, If you need more information call the Pennsylvania Housing Finance Agency at 1 (900) 342-2397, La notificacion en adjunto es de suma importancia, pues afecta su dereoho a continuar viviendo en su casa. Si no comprende el contenido de esta notificaciol1 obtenga una traduccion immediatamente llamanda esta agencia (Pennsylvania Housing Finance Agencyl sin cargos al nutnero mencionado arriba, Puedes ser elegible para un prestamo por el programa llamado "Homeowner's Emergency Mortgage Assistance Program" el cual puede sal var su cas a de 19 perdida del derecho a redimir su hipoteca, ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. You may be eligible for financial assistance that will prevent foreclosure on your mortgage if you comply with the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Act"), You may be eligible for emergency temporary assistance if your default has been caused by circumstances beyond your control, YOU have a reasonable prospect of resuming your mortgage payments, and if you meet other eligibility requiremente established by the Pennsylvania Housing Finance Agency. l2XHIBlr B ......,... Page Two 11./03/98 000~606559 Please read aU of this Notice, It contains an explanation of your rights. Under the Act, ycu 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 muet arrange and attend a "face-to-face" meeting with a representative of this lender, or with a deeignated consumer credit counseling agency, The purpose of this meeting is to attempt to work out a repayment plan, or to ot.herwise settle your delinquency, This meeting must occur ill the next thirty (30) days, If you attend a face-to- face meeting with this lender, or with a consumer credit counseling agency identifiecl in this notice, no fu\:"ther proceeding in mortgage foreclosure may take place for thirty (30) days after the date of this meeting. The name, address and the telephone number of Our representative is, Citicorp Mortgage, Inc, P.O, Box 790005, M,S. 305 St, Louis, Missouri 63179-0005 Telephone Number: 1-900-374-9914 The names and addresses of designated consumer credit counseling agencies are shown on the attached sheet, It is only necessary to schedule one face-to-face meeting, You ohould advise this lender immediately of your intentions. Your mortgage is in default because you have failed to pay promptly installments of principal and interest, as required, for a period of at least sixty (60) days, The total amount of the delinquency is $4,135.84, inClUding $116.14 in late charges, That sum includes the fOllOWing, payment (s) due on 09/01/98 Through 11/01/98 each in the amount of $1,339,90 and late charges of $116.14. If you have tried and are unable to resolve this problem at or after your face-to-face meeting, you have the right to apply for financial assistance from the Homeowners' Emergency Mortgage Assistance Fund, In order to do this, you must fi.ll out, sign and file a completed Homeowners' Emergency Assistance application with one of the designated consumer credit counseling agencies listed on the attachment. An application for assistance may only be obtained from a consumer credit counseling agency. The consumer credit counseling agency will assist you in filling out your application and will submit your completed application to the Pennsylvania Housing Finance Agency, Your application must be. filed or postmarked, within thirty (30) days of your face-to-face meeting, eXHIBIT B