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HomeMy WebLinkAbout99-01626 p ..~ .; I d .... ~ J !' '.. ... ~ Q:,: ~ \0, ~ - 0.. ::J -.. c:J ~ '1 ...., ~ 0- ~ /, " . ~ " " " \ ") , "j / 'i. ,.., " .!' '. 1,' " I':' ,i '" " " " " , " I,' " " " " " 1"1' 'I. " " " " il, i.. Ii " .. , If " ,I: " ' ~ . , . '." " " ,.. " d, " " ,," .. " .. " " " 1; " " ,,' " " " '" ,1" ..' 1," " " "I " , " " " .. ,! " 1'0' " !' " {! " '" I ;/. ,0,; , " H ,H. , " .." " '1'0 ... " q,l' " ",/ I' I, 'I" t\ 1\ ;',1 " ~i .1..1 It' " ,'I, !, ' 'I', . 1'1 I' 'I, .. " I, I' " " " ", IN TIIB COllin OF (nMMnN "I ,BAH OF CIJMlllll\LANP COIJN'I'Y, JlBNNHYLV ANIA CIVIL MTloN. LAW AMIlIIIOAN WlNllllAL "INANCIl, IN(\ "lllhlllff pufumlnnl : NO, (I (( f(., "n (11<,,'1 -r.'~A-' ) ) ACTION IN MOI\TClA<m ) FOllllCWSIJllIl ) ) VH, .IOSl\"IIINH I.. IlIlHAM, WMl!LA1m: l. PllIlnllff IH Amerlolln Cllll\Ol'I\l FhHIIlOU, hw"II flnnnolllllollllhlll hlHlltllllnn 1I111y IIIllhnrl~ollln oonllHol bllllhleRR 111 tllu COl1l1l1nllwelllth of l'ul1nHylvllnlll, hllVhlll1l prhl\llplll pllluo of hnlllneRH lit 6 Sunlh IIllnovur HlrecI, CnrltHIu, ClIlnherlnnll COllnly, 1'0llnRylvllnlll 17013, 2, Defundlll1t IH JORephlnu L, Ilrell1l1, Ilnlllllllt Indlvhhml, of 15 Hrelllll Rond, Cnrlllllu, l'ennHylvlllll1l 17013, 3, ThlR nollon IH hnHed on II uurlnln 1l10rlllllllo lhllell ,IIIIlHnry 7, 1998, whluh 1l10rlllllllo Y/1l8 exeoHtcd hy Defcndlll1t In Owor of 1'11llnllff IInd Wll>> reoorded Inlhu l\ooordcl'of DoellR Offioe In 111111 for ClIlIlhorlllnd Conl1ly Oil or Ilhollt Jnnnory 9, 1998 lit Reeord Ilook 34-S, I'lIlle 1041, Solll nlllrlllollo IR n!lochod hcreto nllll IIllll'kcd Ilxhlhi! "A" tOllcll\er with thc Note Hlllncd In eonjllnollonlhercwlth, 4, The DefendontlR not Inlhc IIlllltory Rcrvloo of Iho Unltcd SlllteR of AIIlOrloll 01' IIny of ItllllllloH, 5, Tho (lrol1118eH Hllhjeotlo the 1110rlllllllc IH nlllhntllerlllll1 proporly In Iho TownHhip of I'onn, COlll1ly OfCHl11bcl'lond,lInll COlllluonwclllth ofl'cnnHylvlll1ll1, I'nrocl Nlll11bcr 31- \0-0624.022, belnll1110rO f\llIy dORorlhed Inn Doell dilled Ootober 6, 1989, onllreeorded In Ihu I\eool'llor of Dr.eIlR of Cnl11herlond Connty of Ootohel' 6, 1989 illllook 34H, 1'1Ige 1041 OH 1110re "Illy deRorlhed In tho Deed whloh hOR 1100n IIUllohed herelo, Ineor(lol'llted herein by refereooe IIH IR Hcl forlh otlculllh 1I1l11ll11lrkcd Ilxhlhil "11", 6, Tho Hllld 1l10rtlllllle IH In doflllllt IIml lIuhjeol to foreolosurc beollllHo the DefclllIRnt follcd tOl11okll pOYl11ents whon duc Inllooordollcc with Ihc tcnuR IInllllondlllonH 011 the 1I0lc lIud 1l10rllllllle. 7, InlleUol'llll110U with tho tel'll1R IIlld oonllltlollR oflhe 1110rlllllllo,tho wholo prlool(llll doht Reoured ACOOUNT NUMpPA ~ 2~",!l6S(jO --- pOf1APWf:lA(B) NAMa AND APPAass '""RA' ,,",,O'P", 'TA"'.'NT ~ [8'-- ] . 1,IoaNSaP OFFloar (OAapITOA) MllllIJOMi CJlltlllR.\1. fIlMllOll, ltlO, Ii /lOUTII lIAtlOYllR /lTRIlIl'j' CARI.l/ll.ll, !'A 17013 JO/lIl!'IUNIl I. III111AI1 15 IIRIlAI1 1I0AO CMl.l/ll.Il, !'^ 17013 P~II 0' Loon 1'1'"1 Poymlnl Oll\lr Paymlnll pua P<<lo PlII on aonll D~II 0' "~oh 1 98 02 5 98 Monlh, ANNUAL PEROElNTAQE RATE Thl pOlio' vour O"dll U 0 V.~IIy ,.11 1'11101 P~ymlnl PUI P~II Amounl 01 Flrol Povmlnl 1\'J1^oriln~o' P';YIII,nl 31 . 323 31 120 AMOUNT FINANOeD TOTAL o~ PAYMeNTs Thl on\911111 0' orod.11 plrVI<lICI Thl omaunl you will have p.1d all" you 10 vou or an Vour ~I lid lIaVI m.dl oIl p.vmlnll U IOhldUIIl., · ~9001,62 J 30821,04 Talal Num~lr at Povmlnll 'form a, 1-010111 MallOIl 121 01 15 011 . FINANO/:! OtlARQE Thl doll.r oImounl 0" Q(tdll 1'11110011 vou lS,2~ '110 . 18940,22 \.ATe OHARGPr II. ,,'vmllllll mal' 0101110 dOVII.II, VOU Will ~I ollo'o"d .1011 olloro. 011111 grl.llr a' ..,1L.:13.. or 10'l6 01 011.;';;1111 1'..1 dU', PRePAYMeNTI II vau p'V off 1.'Iv valli o M.V Iii] 1'111I'1101 h,v'lo P'V' ".n.llv, o M.V Iii] I'll' nal ~. .nllllld 10 . relund of pili a' 0'. IIn.no. OIlOIUI, llaPIJRITY, You .re ulvlng . Iloullly Inllrlllll1l o TIll OaOdl 01 pla"lrly ~IIIIO p"roh."d, 0 Molal Vlhlolo o Olhll no Vau oro UIVln'g "o.lIrlly Inlo,..lIn your Rill allolo looolld oilS aRIlMI ROAD CA)lI.ISI.Il I'A 11013 o TIll provlou, Mo,lgngl/O..d 01 Trllllll ~llno ,olnlnod nl eoollllly an VOU, lann, lJIlWlNP, o Thll o~lIaollon will ~I ".vnhll IIpon dornnnd In v..re. ASSUMPTION' somoonl ~lIvlng vaUI hallll mnv nol...ulno 1110 remnlndel a' U,I Malia nUl an OIl allolnnllllml. pl::r~SONAL PROpeRlY INElURI\NOI:: DISOLOSURe You nro /lqulr."la m.lntaln po,eonn'plapelll' InDlllnnee an p.raannl "'01' OIly eoellllnu 11111 Ionn alllor 1I,.n halllohald goadl, Yau mav ablaln luoh Inllll.nel "am 'nvonl vau W.nl, or ",aVldoII IhlallUh nn oxlollng po/fuv willi 1011 ".V.bll 10 UI. Yall nIl nal ,.qlllrod to pllleh..1 "I/Iannl plaplrly In81nnnol an vallI hOIl"hald uaa\11 10 ..01111 Ihl. loan, If vall chao.. '" havo Iuah Inlllrnn", Vall mav ohllln 01. Inolllonel tram Invanl VOU Wlnl, You IlIellld onnlldlr IIlV hOmlawnll'l or 00111 Inlllronoo \Vhlch VOU mov olllady haVl whln dle"Una 10 pUloh... Inlul.nel Wlllllhll loon, "yall pUlch.1I p"lOnnl plopollV Inlllronco 1I110lluh UI Whlcll COVorl Oil colinlolAI (oUlor 11111\ <<mo"'r VlllloIl) whloll Olollr.. vaur loan, Vall will hAVI In dnrl 'lam Ihl dlllo 01 plllOhAOI '" 08nolllhl Inllll.ncI And IIClIvo I hili rlhmd at OIl pllmlum, ^ "orllan at OIl pllmlllm will b. 'olnlnld hV Dlllll,ullr I o.ncollnllan aoollrl malllll.n 10 d.V" trom OIl d.11 011111 lo.n, 1'0 "01/11 vau mUll 11111111 Valll,'Olla)l/oorDflaoll or makl A W/lllln Ilqllllllo Dill 0111<:1, "vau ahtaln porlon.lllIollO,1y Inllll.nol "0/11 or 11lIolIglI 110 whloh oov.ro Ihl ooll.lolal (alhll 1I1nn . malar Vlhlclll wllloh IIOllrll vaur Io.n, II will blla, << 111m 01 L manlllo And 1'0\' Will poV '.NONE , Vall nlla IInd.rllnnd IlInl WI andlor aUllnlulan.. oInt 01.. .nllolpoll a blnlnl Andlar . planl t,a/l1 Vollr ,,1I10h,," ollneuranol, Vall \Vanlp'oplrly IneurnnOl, -- _ SlgnAlurl Slgn_tur. . II YOll do not m..\ YOllr oOntrAot Obligation., YOll may 100. your hOlla., the prop.rty It"t YOll bought with thl. loan, other houeehold goodo and furniture or YOllr molar IIlhlal.. S.. vaur oanllool dOollllllnl1 Inr 11111' nddlUonnllnlorm.llon n~olll non'pnym'nl, de'nulI, IIIV reqlllrld IIpAvmlnlln hili hl'all OIl oohlelulod dll., .nd pllllOymonl II'ul1do IIld p"I1.lIIoo,1I lilY. ~ InVI rlcllvl a co"v ~~'lmln~ I'Irll Nam.d 001/01'111 0:J8'OOO4D(II'8.g7) "...014' "/iNNUY r EXHIBIT A 1-')"'91l OIllo )AN Sooal1d N.mld Oorra\V1I ~, Appllcabll) Oal. .. "\ ,iPOT.fNT NUMB!!. ;:J1YPIl PATIl FINANOll ol'\'lRClll PlllllN S TOACORU :6ro;l I.~rr-.- HrM j 23956560 I IFPIFI'IlRIlNTFROM PATIlOF NOTIl 01/12 9 Ii~ , (e) NAtlill AN !iDA1ios--- , NPeR (We, l1s, ~IEI\ICMl aIlNBI\~l. I'IN~NPIl, INC, ,TOSllrllnnl: l. DI\IWI 6 SOUT/l II.\NOVIl:I\ arRIlIl,!, 1.5 IlRIl:.\JI 110M 0.\1\1.181.1':, 1'''' 17013 C~III,lal.R, p~ 170n ..,.,. Du,~ ~, Nol. FIliI !'.ym,nl OU"r F.ym.nl. Fln.l P.ym'lIl AmoulIl 0' Fi,.I Amollnl~' !I.II~~ll Am~lIl1l~' MOIlUily T~"'l Numb.r T'rm~' pu, PAl. PIli 011 S.m. PII, D.I. r.ym,nl F.ym.nl P'rIl1'nl of P.ym.nl' 1.0'"111 D'I' ~t !l.oh M~l1lh. . 0~/07l\l8 02/15/911 MOIIUI, 01/15/011' 347,\l5' NONn '323,:U UO 120 Imllv,Tla/f a' ~Mau HINANCJO ' . I, .N.ll.NIL..l_ 1'''"\1Onllo ~llln""ll1o. 00, (J0~1 (JOYI ~~Il Q, App'"." lor ~pP'"Io"1 fH ___._ '.._.aAll..JlllpAlo TolUUillIUlll...E.UiAticr A!. I. '--U3lLJ~ P,,"~ollilo ~1'1"Io,,"o. Oq, (a~11o Coy"".) 10, AllolI\IY 1'..,.., ._"., ..,..___, .. HillliIL-==I'AIO TO _ o. 'N01'IE 1'''"'011I10 Oltlb~ 111111I11101 Co, (.loIIIIOoY"'ul) 11. TlIo 1!lI,II1 ",,_.."......_, '_"_ '--.3IUL..llllpAIQ TolUIPRIlOIl PINANOrA.L_ 1. . NOli!!. 1',llIllullllo PltlliNCy IIIIU'II\OI 00, 10~~1o OOY"'O') 11. T.... I'.xl III llovl, Agln"V___ . KONII 8.lNlltl1L-...:. P"m/onilo l"opt,ty IIIIU'"IIOIOo, , NONI\ 10, P,~ Ov P,Io, ""0011111 Yilt! I.",~". _-PO:!. 02 ~m.JE - ",,,nlulI1lo "YQlunla'V6 .imo.;j ~ l1.A'\lO~' I'~ 19VOII III II', YOUI ,....lZll26.. Il.Q 0,' ""l_ . U".II1jlIoVllllnllnIUIIII . 00, "'" '''' ,II ""tow,..... ,~ ~ ~25n4 ~ ~.olL ,/.. I,' tiL-Plk!IIIf'lIl1ioOIlIo.II~fO'O"IIIoII'ufnlof"" l ,,~n.I'IIIQI1"1I1 .....? Tn~H~~T~ 1.1, o . ~3....1ll Plk! \11 1'''~1kl Olllolak for 111001~"1 "1I' n n . "- -><11.... ' .II~ 1 ,Io"~o I'm I . '. ---" fLl-IUlI'llr.aJd fII~/fCa rA~nClll ' '3ltR.2L_ _UU L4 , on tH ,. II,HIONE Urok", F"PI9",~ FINANOII CllAnOS HIA ._ _.. NA lU......dlll AI110unl "~"'OI~ (O"n 01 ~'" 11111u H) (P.xl 10"1\ I It/A -1UL lD'-1.It2lt 2FINANoa OHARGe ~ I 35/1 22 - 'NA _-ff^-___. H. --~U,..li" ANNUAl. PEROeNTAGE RATE a" Inl.." - 'iiI. Ill. ~ to" _Mjf21 .84 Tolllof Plvrnonll 10,' ~O(,~~.&~ 1'1~'\I'I^,no""1 OnllOlI (10"l1'1tl00) '~_ ..JIt. _ NOTl'l , ._ .Jl^ eaooNDAfW MOATQAQI! 1.0AN . /'1"__ Tille 80reom'l1lle ."1>1'0110 Ihe proYlelona at Ihe SeoandAry MorluAoa L0811 Acl . ~ .Y.l;lU In 11118 No18, Iho wardA, "you', 'yours' /llld 'YOUI" moon oalll1 al1d 011 01 Ihaoo who olunod 11110 l30f1'Owor, Tl10 wordo W8, U8 Pl1d ollr meonl.8l1cfor (Crocfllol), APPLIOA "I (IN FIlEI Wn moy mollo on API,IlOol/on Foo 00 provld8(lln 1118 PonnaYlvnnlo aoconcfory MOlIoooo Loon AoI WhlOh 18 IIn 8amlKj ol1al\]a al1d wll 1101 ho raluntlod, To rop8Y yallr loon you promlsulo poy uo I/la Prll10lpal AmOIlIl! of 1..08n ol1own abova wllh Inlor8ollharoonllllho AOlalKt Rlllo 01 Chol\lll. Tl1a IIral paymol118hall b8 (!lID ol1lho dalo Indloolod obova and Iho tollowlno paymol110 ohell bo IllIa onlho 811m8 day or aaol1auooaadlnu monlh 10 al1d /no ud/no Iha F/nal Pllymonl Dua Pilla. . , Whan wa reoalva 0 poymol1l on Iho 10011, wa will opply II IIrallo NaF cl100ll Cl1el'Ooo ol1d Lalo Cl1arooo, Ihon 10 1110 1I001\r8111>1I1 Ul1rOI,! IlIlol'UOllh81110 1110 Prll1olpol 13olonoo, You may mako poymonlln adVol1oo or 0 80hlKjUlad dole 111 My OmO\1I1 01811Y I/m8. n Al1yl/mo 01l8r yoer\o) Irom Iho dele or Ihla loan wo 0011 demol1d tho tull bolonuo and you will havII 10 PIlY lhe prlllolpalamolll1t 0' Iho oan and 811 Ul1pald Inlaroalllool\lod 10 tho day Wo mako Iho domand, If wa alllOllu Ol(orolao thla o. pllol1 you \'IllIllo olVfm 1'1,1110111101100 of olool/on 8110001 00 c1oyo bOlcro p8ym'l1lln f\llllo duo, If you rail 10 poy We will hevo Iha rlohlla o~orolao ony 1101110 pormlllod undor Iho NOlo, 1,10110800 or Oood 01 Tillol 111111 ooouroo Ihla loon, If we 0100110 Ol(oroloo Ihlo opl/OI1, ond Iho Nolo calla ror 0 propaymonl pOl1ally Ih81 would bo cfllO, Ihoro will bo 110 prepeyment pel1ally, , If yourpaymol1lla more Iholl16 dayo lalo, you Will bo ohafllod 0 1810 ohorge 01 Iha graolerol ~..JWJ....or 10% or 1110 omounl paol duo. . II you dOI1'llTIolto OilY paymol11 whon 1110 duo, you will PllY 110 roooonoblo 11110 maya' fooa whloh Wo opond In the oolloollon 01 Iho dolll1quol1llool1, ol1d OilY ooulI ooalo ol1d 1008 ooluolly II10urred In 111000110011011 or Ihe 10al1, Wo may aoooPl1810 poymol11 or partial paymonlo ovon 1I1auoh malked 'PoYl1\anlln MI', wllhoUlloa/ng ony of our rlohlo undor Ihla Nolo, Wo moy dOlar ol1lorolno OilY 01 our rlohln uncler 11110 Nolo wllhout 100/110 Ihom. Wo dan'l hova 10 1101l1y you Ihallh/a Nolo heol1' boon pold, Wo may ol1onoallla lomla or poymolll ond 1010000 OilY ollOurlly wllhoul nol/ly/l1o you ollll \'IIIhoul rolooolllO you from roapono/blllly 01 Ihlo Nolo, If you d0I1'1 pay 0 mOl1lhly 1I10lallmonl on Iho day II 10 ,hi a, or U you tlllllo tuUIII your cblloollcl1o ul1der !lny Boourlly ^oroamonl or Morloaoe you havo Olvol1, you will bo 111 delaull on your loon, If you aro 111 dorallll, wo may U we wloh r"'lulre Ih81 you pay Ihe ol1l1ro prlllolpall>olonoo pluo 1I00lued ohergoo, provldod, how8vor, Ihal eny natlcn roqulromol1la or olhor looul prooodol1le hnvo boon oompl/ed wllh. If Ihoro 10 IIny Ul1peld halMoo romolnll1g on Iho 1'11101 Poymonl Duo Colo you agroo 10 pey 1I110roal on 11181 bolonoe ollho r1\loo 001 lOllh, In tho eVol11 Ihot you molco 0 poymol1lundor Ihlo Nolo bl' OhBilk and your ohooll 10 rotumed 10 ua unp81d Il8 II roouII or 110n.oulllolal1l fundo 111 your dopoollory eoooUI1I, you egree 10 pey lIf1 NaF ohooll ohorgo Willet; may nol e~oood $ 20 . 00 , , You hllYo %nvcll/lio Nolo on Iho bolo 01 Nolo In Iho prooonoo 01 Iho porsOI1(o) Idolll/lylno Iholl1oolvoe bolow llG bOSh' OTIOEI n.. 'ollowlng NOTloll nl',,1I1111 YOIl W.'. "r.rrld 10 III by n 1111., 01 oonlllllll, Ollod. 0, .IIVIOllll1d n IlIb.lnnll.' "0111011 01 II.. fllOOlldl 0' lI,rl 1011110 u..d 10' 1111 pu,ohnll ul 00111110111 ooodl "orn Ihal 111111: NOTIC!: ANV HOI.DER OF TIiIS OONSUM!:n OREDIT OONTRAOT IS BUl.1JEOT TO ALL OI.AIMB AND DEFeNSEB WHIOH THE PlilJTOR OOULD ABBliRT AGAINBT TH!: BtiLLER OF GOODB OR E1ERVIOI>S OIlTAINlm WITH Tlie PAOCIWDB ItlmaOF. REOOVIH1Y IiI>REUNDER 13'1' THE DEI3TOh SHALL NOT EXOEED AMOUNTS PA 0 BV THE DEBTOR I1I:AEU DEn, oOI'Y REOElveo: You aoknnwlodoo looolpl 01 a oomplololy flllod../n oopy at Ihla Nolo And A oopy 0' Ihn Fodolol Dloolcourll 91~~onl a"aOpAtolo ohool, , \, WIInIUI 61:..J!L~,.~. . u ~ ~ ~~ La, (SuO OIONATUIIa 01' pn:NO:PAL IlOl1nOWEI1 TERMS Of. I'IEPAYMeNTI ~w;" ~~gNTI PAYMENT: peMAND FIlA TUAEI III oh.okld) lATE OHARClIlI OO~LEOTION OOSTSI ~~~hmMeNT: UNTIAE BAI.ANOE PlIg ON DEFAUI.TI INTUAIlS,. Al'Tlln FINA~ 'AYMIlNT OUE DATE I NBc OHEOI( OHAnGE!1 BIGNA rullfll WIt"O"1 Wltn...: RIONATUI1G Of oTllEn UOfll10Wfin LB, {Seall ~.B. (S81\0 039,00040 (/001.07) PAC281 PfiNNBYI.VANIA BEOONUAllV MOI1TOAOE 1.0AN olONATUfHi OF OTlIEn 1l01ln0\'lEI1 Sl!ll nriVImall Slbl! rOR AbOITloNAL IMPORTANT INf'OflMATION , I~On\:f\l I' ZlltO\.\:1\ rl!:,',OI\llrr OF O~~I)S ()IIMIlEf\\.AtiP OO\IHTY- f'A (HillcO "bovo '11~~'~o ~r '~;n~~~-dmh,u--tWl.ujlfL M<<'1I111 NII,m6~fl~ ~~ IlCIJ~oll!S ,l~ ,~ ~(, el 1\..~lJI' "M\NClI,'P'bJ.\N d.y of ,lANUARY. _. \99 8 '6 'Moll,.,ol'" .n,' ' fhllimrr :r7lo'INJ\IIIU~ A~ ~ 1- hmln c.ollcd l'onn.yIV.nl. 'c"n..i.1 IIn h'v nl . P .co II \1' n.., .!-Il 1>1 lb~E'l.-.::m{1'iIl'ffiEr-P1f1.l0 u ' h. MOlls'.eo, · . 10'~\f4~~ "W2I1a.aeO', WITNI!HSIl'IlI, Ih'.111I '''"'0 PlYloonl \Jy MOII",1I1l 0(. pi'Ilrnl"olY 1'111\0 Ilf Vlon d.IO horllWllh, In 1110 l'I111clpai 'Ill""nl 01 ,____ . . ,llIlelhor wllh 1I110rl'0111I0"'<IIII'OIIIP\l1011 \III ~np'ldJ'lllIcll'.1 b.I'\lcq Ir,un limo 10 limo P\llIloo,lIns (,n,l/or .IIY ronllW,I, rolln.ncllla III "'1011'11111 IlIerCtIf) ,"d .1I0Ih.r "hlls.llon, III MOlla,soll IIn,ler Ih lerml.nd PI1I'/I'lon. 01 Ih\' MOI1s'ao, Mona.so" dO l'l' ~p.mm~l! ..,~!I, ar.nl 'lId COO~! III Mllna...., "\.1. Iho fllll\iwln, dC4.II\><<1 "'.1 .'I.IUlhIIl.lGl\ln ' lIl\l1'N\'1~r\iwl\lhlp) 01 t. r~lIl\~uI ctMl3l!; UJII~u . r.ommonwc.ollll 01 enn.ylv,"I., ,lc.ocrll"',I" /1111<>1\11 \In. f" I~ 1.<11 '31-;;j,()~ ,lIloc~ 06~ ~u..:4l (1111<1\ Ie,. I <I""rlpllon 01 10011,.,.<1 I'reml"") -- '~~ by I J\ll ~h~ll (l1l!:~1l~11 $la:oper~f :I." Ill'll 'l'Q\~nul\l" pf 1.>Ollll' OOlnn'll' pI! n~ullllld anl1 CO/1l<IQliWIlAUfn at PlIl\lIl1flVlllllA, 1>lIrtld %, D, H31-10.0n..oaa, IlllinlJ !\\(,)l':1l f\lUV dllACdll~cl ~II l)iIllld I1Ai:.~ 10/06/011, I."IIlQI.ll':"Oa 10/011/011, anti "ppal\dIlEl iIlmonn \\1I1!1 lllnd UQI.I!:t\A nt thl oOI'"ty IIl\d ll~.t.. ".11 for:t.h abClVll, ill llQok 3.,9, VillJ. ~(lU ' lNCLUPINCl IJlRGE ;! a'lOlW HCME WI111 APIJROJ(IM1\'l'EI.Y 190 ACIlEa II.UI' l'ltmll""',,vO)'C'lIUl/lbl MOrl,",olll'y P..,I ul Co"vey'"'''' Ihlly [(Il'IlIOO I" Iho ufllro ror Iholl.col\lIo, or Ptt:d. In ..hl Co\I"1y In P.oo Uook Nu, -:l.'I..:::!i.-_, I'"a. lUll 1 ,0' aold pr.,nl... 'rolh.r.11I d."rlllCII. Tomqllltl\ \Vllh ,lIlhollllpIlw./II.nl' now III h.r..rt.r 01<<1.11 a" Ih.I'rol"'rlY, .'"1.11....10.111., rlahl., 'PI"I\I.."nr... ."d ",,,,.,.11 01 which .h.1\ 110 "'0/11,,110 IlC .",1 [(m.1I1 0 IlIn or Iho/,rollOny oov.[(<II'l' Ihl. Murla.'Ot''''1 .11111 Ih./ufGallln" IlIao,h.r wllh ..'" P"'llCrlY (ur Iho I~'.hold '-1.10 111111. MIIII,'ao I. UII .I....hllhl) '1'0 hor. ".nor rcl.rr.<llo o. Ih. 'I'rOllllIIY, MUrla'lor <<1'/.""11' ""1 Mlllla'lur I. I.wr,,"y ,.1..11 01 Iho 011110 1.loby ou"voYOlI '011 h., III. ,llhl IUlra"l, IlIfI.llI, mol1l'ao .nd I'Ilnvcy Ih. plOllCrlY, .",1 11111 Ih."I"p.I1Y II 11Il.11<III"ho",II, ..CO\11 for ono"mbl."r... ul ,.rlllll, MOIII.,or cUV."'''I' Ih.I MPI1I.aol w.rllnl' .nll will II.Ion,la.I,.rally Iho 1I1101ulh. l'fOP.'1Y """lll oil cl.lm. .",1 110m" d., ,,,I'JoolllI .".lIl1lh,onrCOllr roclIlll, ' fIlOVIIlItll, II11WliVltll, 1I1111r Ih. NOI. .nll .1I."n1l '00,,,.'1 by Ihll MOrla'so 'ra 1'"111 In lilli, .rlll MOIls'aol ""rlull1ll .l1l1r Iho C\lV...nl. .1111 011.."'.111' 01 Ihl. Mllrla.ao, 11100 00' In .lIcll oV.'II, Ihl. MUlI,oso 0'101 ."y r~I.lo IIr 11.11 1I0lohy "001.'1, lu,.lh.r Wllh Ih. !'lillO, .h.1I coa.o, Ilclormloo, and IJe4XllIl~ Void. . MOIITQAOIl COVIlNANTS, MorlS.,ul .1111 MOrla"s.. cov.n.nl.,," ",f(O.' rollow" 1,I"lm'"I"l'rlllcll,,1 .nd Illler"I, Mllrl"lor .h.llp,u/lII'"Y p.y wh.n ,hlo \hoprin.lp.l.nll 1I1I.'OIlloII.hl.dnOll ""Id.llo.d hy Ih. 1'111\. 'II~ lal. .h"'a" (II ony) ""f\lvhIOO In Ih. Nolo. . . 2,1'..... _",,"nl', .nd Cholll'" Mlllllosor .holl p.y nr <"". III 110 /'.hl .11 11>1", ......m.lIl. 0111\ olh.r ch'rs", OIlC4 ,".1 hOl""llIoo. .mlblll.hl. IOlhoplllllOrlY which OI.y .1I'11I/,rinrIlY nv.r Ihl. MOrlS's., an~ I.... lulll "aym.nl' or S'"11I\1II.RI', II .ny, , 3,AI'I'"co"oo or I'rlll'n'" Unl." .",,1 .0111. low prnvlll.. IIlh.IWI.., Morllos.o will fllll .\,pIY p.ym.nl' r"'iv"l, wh.lh.r or "01 d.lll1qll'OI, III 1110 rulluwlos or'\.n (I) 10 .IIY al'PII....hl. crtdll IIl1l1r.nco p,omlllm, (2) III .ny o""II""bl.lol' Ch'SOI, (3) 10 any o""lIcohlop"'poym.1I1 pcn.IIIC4, (4) III ony InlelOlllllll h", I<c,II.d, om finally (5) lOlh.llnp.ld b.lonc.llr "rlocl"ol, 4,I'rlor Morll.." .nd 1)...1 01 1'rlllll ch'IlI"1 \.Itlll. MIIIII.,lIr .holl,lCIIntlO olluf Mllrla.sor'. ohlla'1I0n.llnll.r .ny mOI1S"SO, d.od or """ nr olh.r ",.II,lIy .".olll.nl wllh . lI.n which I'" prllllllY '1'/'1' Ihl. M'"IS'I.' Inc 1I,lIns M'"lsosur'. covell'ol'lu m.k. I'.ym.nl' Wh.II"110, 5''''''1'<1 ""1"01"'. Morlaolnr .11111 koop Ih. Iml"nvolllo"l. III1W ""llIln, nr II.rc.n.r .rtcled Uo Iho 1'f\lllOrlY Inll""1 'S.lu.llu" I'l' flra, h".rd. Incllldllll\1lhln Ihol.nll "..101111",1 "'",.lIa.', .rlll.llch m ,.1' h.lJlnl. .. 1.01111.1' nllY 1O<llIlr. .nd hl.lI.h .molllll' 01111 rll, .11011 p.rlod. "I.ond.r rn.y r.qllha, 11" 11I'II,once co"I'r "rovhllns l"olllll"OIlco'".1I11O chll'"11 by MOrlsoaur ,"b].cllo "p\'"I'/.1 by Mllrll.'"" pruvld.d, 111.1 .lIcll 'pP'(I'/.I,11I1 nlllllll IInr.llnn.bly wlihh.I,I. AlIllIlIlrnnc."ollcl.. alld ,.now.l. Ih.r.of 'h""IIOIII' 'orm oco."I. 'I.IU MOII,.S.. .nd .h.lIll1.hlllo. .I.ndo,d mllrll'ao oI.u.o In r.vor nl .IId III 0 lU1I1I ",.01'1.1010 lu MUI1Sos.o. MUtlS'HCG .1,,11 h.v. Ih. rlshllll huld 110 IK'"c1o' 11111 r.lltW.l. IIIolOur, ,"b).cI III Iho I.mllur .oy mOrla.a., \1..<1 IIr IMI or ulh.r ..ourlly "a,.cOI.1lI willi. 11.11 which h""rlorIlY uv.r Ihll Morls's., 111111. ovelll nr 10", MUIII'Sllr .h.1I live "'IlOlpl nullce In Ih. In.llltnco r~lrl.r .n,1 Mllrll'S.., Mol1l"oo moy m.ko,"onl IIr In" II nul m.oIOI'l11mplly hI' M1II1a'~ur, If IhollllllllrlY" .I'arlOlunod by Murll.sur, (II' If Ih. Mnl1solor 1.11. 10 ,.."olld In Mnrlg...e wllhlll 30 d.Y' Inlln Ih. dol. nollco I. m.lI.d by MOrla'soo In MUI1I.,or Ihollh. Inlll,onclI c."I.r olf... In ..nlo . clolm ror 111'"1011" l"'n.III., 1.0".101' I. IIIIhnll..d lu cull,cl onll 'PI,ly Iho In,ollnc. "rrn:.ed. .1 MllIli.s.e'. n"lIon .lIh.r Iu r..lolollolI or 1011llr 0' Iho 1'l'<lpel1Y or In Ih.,lIm. acellr.d h)' 111/. MOrlS'S., 6,1'_",.lkll,,"d M.tll"'"'''' or 1'101"")1 A...h.\d"l C""lollllohOIIlII'IOIII'''llInIIUtVllol'III.nl'' Mnlla.sor .11111 k..p 1I10l'l11pcllY In 1,..II."olr .nol.II.11 nnl cnmmll WOllo nr 1,.rmll,l.molllloll, 1I11".I,menl, nr II.,.,lur.llnn of Ih. 'ropollY .od .h.1I comply willi Ih. 1'"WI.lollI "r .nr 1"'0 If 1111, MorIS'I. I' on "I....holll. Ir 1111 MotlsoBO I. un 0 IInlllll 0 cnllllomlnlllmol 0 "Iann.d IInll dev.lopm.nl, MOrla'aor .h.1I \llllrOrm .11 n MIOrla'Sllr'. ohlla"lIl1n. nllder Ih. ,leclOl.llol1 .1101 cnv.nanl. crc""na .nll sov.rnlna Ih. Cllllllomlnlllm or "I.nned nnli 1I.....lopmOlIl, Ihe by, '\VI.nll rt,III.lIon. 01 1110 cont.hll11lnlun, nr,,(llnnned llnll dcvclol'l11Clllllllld con'lllllanl dncumanl', Urate'lli", ,.1 "'nol.~. H'.II,II)', If MOrls's"r f.lI. IU I"'rlmm Iho cov.nll'" .n,1 "Ioomelll. cUnllln.d In 1111. MOrlaoaOI"r If o"y ..11011 III' p[ooo.\IIPS IlMt'"Il"BI,hlll ni'llhnli.d Ill, OilY h.nknlplcy ptllccoolins) I. <ummonc." which mll.rl.lly .fr.cl. MllrlS'SOO'IIl".rc'l 0 Iho 1',uIIOIlY, Ih.1I MOlltJI.f-t','I\f Mot1g"gljicl" C1llllnnllllk)!l nnllcc In Murlgngnr, mar Il1Rke luch "l'ptArAlIl'CI, \tl,hllfl.c such lurnl,lncllIdh18 relunn.hle allnrllC)'*1 re~, .nd lake .liefl: l\tlltlll 'AI II r,ccc,sltl)' III llllllt~cl 1.cIHlt,r'. Inlclc.\l, II .emlt!t 1~'IUI,cll IIlurI8"1t: lnlurllllcc II 8 conlllllnn IIr lIlakl1\8 'hQ luan secUted by 'hi. MlllttlllYd; MtlllllllUlll- Ihllll UIWlhu IllCmhl1l11 rC'I"hclltn lIlallllall1ll1ch lIulltanca 111 r.Hcct ul1l11ll1eh limo.. 1110 rcclulremenl ror such Inlurance ICtmfnattl III ncclltdnl1cu wilh MClIlg"Hl'r~~ nlll M\1I1Bltll~C" wrlllel1 Isrc:cllu:nl C1t apl'llc.bla I.w, ^"Y AIIIlHI,,11 dlllHII,cl ,'Ii)' LClulur IHlt.unnl III Ihll l'orIl80'I'11 7, willi Intel-ell Ihercun, al Ihe HUle talc, Ihall becume 81ldlllon81 h\llebltdnCl$ (lr MnIlS'I',11 '..lIr~" hI' ihl. hlNII'IO, \Jnl... M'Irlr.oso, and MorIS'S.. 01,..10 olh.r ICIIIII of I'.ymenl, .lIeh ."II>lInl,"',,1I ".".y.hlo "1100 nollea r,"m M'1f1&Ja~ IQ,~,l1Il~Il~~~ rC1luullll8 p"ynlllllt lheren , Nnlhln8 cnnlalntlllnlhlll1arasrallh 1lhlllllcflu\ta MuttSJ'c<lIU Incllr Iny e.IllNlllIC pr 'Ike allY Ictlon herelllltlu,'j ,.. " . \ R,'".i.i~Ho"ltlLcUlllur mAY mnktl or cAUla In hll Il1nllf\ rr.AlnnRhlo clIttles !lIKln ant.lll"llCc!lnl1l nr the I'ruperIYtl'rovhled 'hll Mnrlaaac:o ,hili IlvCt Mnlta'llcJr nu\lce IHlnt lu ",lY 'IIth 11l'llcclluf1'l'tclr)'llI~ left,uIlable callla the,ernr ralllled to MUl1Sltgcc',lnlett&lln Ihe "rUllCll)', l,l,eo'ld,tlt,n"lhl~1, 'l1ulllr!}C,'cc,1I or an)' awaul nrclllltn (nr dAlllasell dhe"'l IIr COlUe'\Ucnlllll,llll'Ol1nCCllul1 with I1nyoontlemnallun ur uther Iftkln& uf the l'rullCI1Y, ,nt, "al' '1I11:ft;.I!1rur rnt,cullveyancc In lieu or cnndCl1m"UUIlI are herehy a.. ,lItd Inlllhan he paid 10 MuIlISlt", ulhJect 'n the letmt nl Iny ""'!l,~~tq: ~I,oOlI,n! I.nl~'. or !:I!I~~ ~,efllrilY .ar.emenl willi 0 lI.n which h.. lullllily over \1,1. MOrlS'So, , , "...... ....,). '. , . t', '''' ,. ",.', , ' ~ ~ \ ' .. I~ ' . " , ' ",',~ f! \. I I" ," .it I ~..) .1 I ' .. , .hOoK1425 rAod051> . " O3O,OOOl1A (F) MolIll'u'(O'03) 12/jWea ~. .0146 I=><Pf<ESS Fllt1NGlf\L 6ERVlclO6 .~ bl\:1'(b'(lf.,\>'( , ' . '. '. ., ." "'''''1' " II" 'II" _. 1,11\1 r " . i I , I \ , , ~ . u~m':rn,~!,..,~,~I,n1!1 ,,.,, I' 1I1U ~ fi~i:W~~t~~\~hijrj8~NfW(~I'IIN'^ ~ M(\lJl; TIIRt 'i'A 114V ., ~ III ,~. ~Jllr " lIIl' ~1 Q fl~V II,nl/~1I1ll "1!If 1,~tIII'''' ~114 01111\t..\'.n!l\ll 11m) p,1 ;'1 jJWfll'N/I'N Jl'l~lnt 1., llr1NIm 1\11I1 JOOI\:han W, kllMl.. ~ '\ . ') ,Q v' .~ ~J ~"flIl Q{I ,f 'h, //11' \l'1U ."" ,,""Illm"" 0' RdAI ^, IWfWI'I , ; , . ,. , ',Jil" " !'MII\ 'X\'lM\iI\1p, Q.IltJeV~AM ocamw, .' l'tl\fItylVlI\1a, \lIW~1.. ,f ,~. nl"'I1"', lIt1a ii')''''' I ll"P~f~,I.w.I... IItll4l1\, 1I1I1\1U'.\'.QMn" /I' 1ft'~lIMl ~I l.'!4~Ulll0, '1O/l'V~van11 ,,/.111111111 JWtv ./lh' ~ucllnd flIl'" II'IINIINlI>>. 'hi ,.14 /lA1Ph A. I\tllll11 ~~ ilL. '"' Will pn4 '''Ielm.nl, _"IN IIl'md 1111'1 r,.mll/fl fll 'Ihl f1rq/Jfl/lt'~ '01" If Cll1\IlUlllM C,""I~II'''I",~lu,"I4, """,Wed I. toUllWIl' . "I'ml VUf I : IppqlJ1t. my t\l\l1{Jh~lIr, Il'OlllRW14lI.. nVIllll11 1M IW f<lI\, JQI\ItIW\ w. atCllllO, Q~ .ithllf be IIhCll\, ~tlQU\:ll1!1l Ilf tfiJ,. lI'Y Uth Wlll aM 'I'4I~"1l! X IllfllO~ 1:01...11 ITtI' 1~IIll!II~t'5\r".l~~V/I" CUI WllU. M ~\11Iz1 ~/Illlllll" .hIla Mil 1:1II rr:qui.r~ to') ,LV. I.J;nl f~ tI\Il Caitllt\ll partOl.'lMl1Qt uf tl\t1r Il\l~l.. "" IIIIY j\U'I,Jd~Ql:t.M. II JOill[lMn. t. 11I:/11II1 Illll\ "QllI\~ W. DflNInl ""'f IlppolJ\tll4 Oo-I1Ktc\lt:oll. tit lIlIt ht.\~ Qf ",1m ^t JrNl1\ \;1i I~I:8rIl, ~ian'I1ltatv 9ranta'l .TPIlU. oU'V:8 ;!,lee. "'~.llln~ t;o I'mi vtx 01 rllUd 1IJ.\.l, iII't.~ J:,. lWeNn Will \llIllllc..\ lll\ to ~I\ll.. lll\e tal:fll rllLl M\lIt4 o~ whioh RUptI ^, IIrl1111\ dUi.1 811il1lll, ItY II 01 COUrt dltld OQfQ/;w 3, ;l.IOI, .Iid QIliioI\ M JW'OllAllt lIfII Ill, 01 rMl ..t:A~ \11II11 Q:lI\t!.mld P.i IIl1a own. e,., ,.s"~.!-I\I.._. _~I,IIf-P~ ,,~ . lklfllllllll""ClIImll. Co" ~.. l1umll, Co., N, II JJfR'4I"" .YI'""It~ ~""''''''''''''1M Dttt I/J'" MfI,Ly. ,I" 011. .., '...,'." ':I, II ... ~ :"-11 Cumbo 1II"'00I,Nl, ih C Illtl.IW.AfI, ~ ' , ,,\ La ,f j/~~,~~;:'~~l~~f.~~~~~,~~~~f:::'~~YI~~~~~:I~:r. ~~'I::,~j~:1J::,~':~:VI1~~'~~ .. 'thrlMl11.lJ'ldm;1 tlln.t:aM 'Iml1lAlld ~\ 1lln4nl.\ (83.1PI100.00).._-"..~...-, , fji,IIMi'p thM1 'IA{~ W Ih, ,1I'ii ri.,r~ ~f'M -,jjonil JlAr , 01 Alii! ~'/m .". onmrlna nll,l ,"'/11'0/11 0/ 'hUG flrm"'" /h. ...0.1", ll,ltm'f" 'ur.llu 1lP~'IO\ll"dn.d, I IlllYI ~ '111'GKI'~1 "M~nlll.tI, ,p/tl nllcl ulI~'u,d, Mil ' (IQ ^mhl "1'1l1l',' b'~D" II. ullan,. ~O"UtV 10 ,.. ... .MII JOl!*PfUnt L, Drlllll1l I_ fill 1"11" ond Ald,1II f.rmr, I" W'G.. ","III ~I.,.. " 1'41'<1,111 of '"lid '/1111I1. I@" ..hM 'I\l\Nhl.II. , 0111I"'11 Of ~1AMt'Uu ~ """..141. Or'''"~l\Ionl4. ''''HId Gild dU/trf.II' II' 'OUoW'1 ~"," RUJj)r M ~Ot , .. .--- ---. 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VUZ, ;t; .R~lI11W dallll h.;, ~Nlmln. x,J,l\lljM' ~ 1!\V.:.~I,I1O\14t:l\ln H. "'lNlIlIl or .t~ 01 lII\\1n, ItHtOIlWI ell 14\111 "" tallll t1. l'M'd ~~Il. Z ' d"'..!~J~tl Il\V '1iVIllMJ. rtt4tC~t.aW.VN M \Ml.1. "" IIIl\lCII'._ NlllU Illltl ~I:t-~" .t.... bar'" till: thl t~lll~ l'*tol:n\llllCO,~ ~k dllt.l..1I 1I1111V ' " ~~I L, Jl:foIWI\ ~ 'JCr\I\_ tI. kCIIIIII.... .~tn..a oa~~W' ~ 'Ilh* "~t:e 0' Ili1 ". ~ W ~\l.''NII~'lIlI''nl:id GlIrI~ii:3.8 ::LU\l; IWNI1t t/:) ~ Q4 -.14 tIW., ~ L, *MlI1.... lfI'ant:l\l .. to I\IIi'III\lH tM l!lll'III ...u .....tt o.~l'tGM A, JtNm llJlId ""IlS, ty, 01 Q:I\Irt. "ntAil'l ~ " :1.11I" ..14 ~ ill ~gl1ll.. lIIlI'I ~. 0' 1:," "'1liI ""I l.1ClI'Itirm&\. , bV lIhI ~. . ,'.... ':..' ' , ' , " " , " IJIW'.t/'\ l' M' r lJ L )f..~ II'<I~.' ~"""'TL' _ lit? loll,.. n.,':UI!\II.~I'.. 'CUrnll.qo..l't;- "'-"AHI .".fII(N'k.' :, ~"NI ~.... ~~,' AIIlIt 'll.~,~....., otlt "'~ AMI. ' II . "4 l,~. tlll,~, 1>': , " ClliM. ~""ClOI,Aelo ,"'l ' . "lllUIII.,...,' "'f.i" . 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' .' .JI'lm ,~, SMlrlt TItl'MAU ct. 1\~INq~NWMIT" I\~VIN p, PDi-'lll H~".~"T R H~NI'~"WDN, " GlNQRIOH, SMITH, KI.INGIl:NI3MITli & OO~AN ATTD"N~Yw "T ~"W ftU WD4ftt "AnIIIT .T"~n, .4IT~ '1'1 " 1', WDK '.7 1i:~liEl'\"Ii:HITOWN, p<,\ 11'0,,'Cl,07 (7171 :107'1:170 rAK f"1!!27'~'I!> olD ~A'T DnMtQ~ uT"~~T ~AItCAaT.", M 1701" 17171 ~U~'~aa", rA~ I'fI7I ~U~."o.q or ClO"It"~ 11~M"Y fr, elIN""ICII IMI'ORTANTi NOTIQ Of HOMWWN~IIS' ~MI!fIO~NCY MORTOAOI, ASSISTANcr: ACT Of 1003 I'I.~AS~ II~AI) THiS NOTlC~, you MAY or: ~I,IOIIIL~ fOil fIN^NCIAl. ASSIST^NC~ TOW,i,RI) YOUR MORTOAO~ f'AYM~NTs, Pocember 20, 1000 Rei AmeriCAn Oeneml finAnce, Inc, TOI Ma, loseflhlne L, IIremil 15 IIreAm II0A(l CArlisle, P^ 17013 froml AmeriCAn Oeneml finAnce, Inc, YOU~ MORTOAO~ IS IN S~RloUS DUfAULT beCAuse you hAve fAlludlo PAY promfltly InstAllmonl of principal ancllnterest AS required for A lotnl period of At leostslxty (60) doys, 'As of AIIgusl15, 1000, the 10tAI amount of Ihe note 15 currently due And OWing In the mnount of $1/406,00 plus Interest, yOU MAY II~ ELIOIIIW fOil fINANCI^L ASSISTANCU THAT WILL PIIUV~NT fOII~CIOSUREon your mortgcge If YOII comply wllh Ihe provisions of the Homeowners fmel1lency Mortgage Ass/stanceAct of 1903 (the '^Cl'), You mny be llllglble foremergel1CY temporeI)' assistance I( yourdefnull has been caused by clrcuIllStnnce; beyond your control and I( you meetlhe ellglblllly requirements of Ihe Acl os determined by the I'ennsylvanla Housing finAnce Agency, pLEASE RUAD ALL OfTl'IIS NOTICE, IT CQIlT AINS AN EXPLANATION OF YOUR RIOHTS. UNml1 THE ^CT you AI~E 'ENTITLEP TO A TEMPORARY STAY Of FOflUCLDSURU ON YOUR MORTGAGE fOR THIIITY (30) DAYS FROM THE PATE Of TI'IIS NOTICr:, DUlliNG TH^T T1MIi YOU H^VIi THIi RIGHT TO ARRANOU A 'F^Cfi-TO.FACE" MEETINO WITH A REPRESENTATIVE OF M1ERIC^N OENUIt^L THE PURPOSE OF THAT MI:ETlNG IS TO AnUMl'T TO WORK OUT A REPAYMENT PLAN OR TO OnH:RWISI: SI:ITLE YOU/I Df:LINQUENCY, THAT MEETING MUST OCCUR IN THU NUX'!' THIIITY (30) DAYS, ' I( YOll allend a facll-Io,(ace meotlnn willi Amnrlcan Oenerel or wllh a consumer credit counseling pgency Identified In this notice, no further proceedings 111 mortgAge (oreclosure mAY tako plnce for thirty (30) dnys R(ler Ihe dote of thM meeting, Tho Adelress and telephone l1umber o( 0 represontatlvoo( AmerlcRn Generallsl IIrenda IIlshoJl American Generall'lnanco, Inc, 6 Soulh HAnover Slreel, CArlisle, PA 17013 (717) 243.6055 EXHIBIT , c flase 2 Tho name, orldroSl amllolophono II\II11hor p( II rlusl8nalolt 'Plliumor crelln cPulliolln~ asoncy ISI YMCA o( cnrllslo 301 0 Slrool Cnrllslo, I'A 17(113 (717) 243.3616 It Is only nocossary 10 schorlule uno face-Io-fnco Illootlnu, YO\l shouhf arlvlsll American Oelloral Illll11eltlalely of YPllr Intontlons, If you have Irled and me unllhlo 10 resolvo Ihls prohlom al or n(ler your fnce-Io'fat1 meetlns YOll have he r/8hllo apply for financial asslstanco from Ihe Homeownors' ~morUen'y MorlUlIue Asslslance F\lf1rl, Inllrder 10 110 Ihls, YOII musl (III Ollr, sl8n flIlll file a completerll'lomeowners' I:moruenr;y Asslslance Application with Iho pennsylvllllln I-Iouslns Finance Agency, The consumer credit cOlll1sflllng "uenL)' will asslil YOllln fllllns oUlyour appllcallon, IT MUST IIU FII,~P 01\ POSTMAI\Kr:D WITt-IIN THIRTY (30) PAYS OF YOUR FAq-To-FAC~ MmINO, You lI1uSI elthar mnll your allPllcatlon 10 Ihe Pennsylvania Houslnu Flnnnce Asency or )'OU musl file II nl Ihll office o( Oml of the deslllnlllor COnsmllur credit counsUllnllllllencles IIslml ahove, The Pennsylvania /"Iouslnu l'lnance Allency Is localed all 2101 Norlh Fronl Slreol, fl,O, /lox 11020, Harrlshuru, PA 171 OSllelephone I1\lInhur (717) 700-3800 or toll frue al (1100) 342-2307, An IIppllcatlon for Mslslancll lOllY hll outalnor! from consumer crer!II counsellnu oguncy, ordlreclly from the Pennsylvllnlll /"Iousln8 Finance A80ncy. IT IS ~XTRUMI!l.Y IMPORTANT THAT yoU 1'11.1: YOUI\ APPLICATION I'ROMPTL y, If' YOU DO Nor po SO OR II' YOU DO NOT I'OI_LOW mU OllWI\ TIM~ pmloPs sn FORTH IN THIS LETTUR, FORUCLOSUI\U MAY I'I\OCEW AOAINST YOUR I'IOMU IMMJ:f.lIATELY, Avallllhle (unds fOl' emur8ency mortlla8e assistance are vary IImltod, They will he dlshurser! uy the Agency under Iho ellUlulllty criteria eSlaullshOlI uy the Acl, IT IS I:XTREMEL Y IMPOI\TANTT/-fA T YOUR APPLICATION IS ACCURATE AND COMPLr:TE IN EVElf1' RESPECT, The counselln8 agency will help you 10 fill oUllhe application, The Pennsylvania Housing Flnllnce AgenL)' has slXlY (liD) dnyslo make II doclslon aller II recelvos YOllr nppllcallon. DlIrlnlllh~1 addlUonal lime no foreclosure proceedlnus will ue p\llslled aGllnsl yo II If YOll have met Ihe lime roqlllremenls sel auove, You will ue noU(led dlroclly by Iho Allency O( 115 decision on your application, Very Iruly yours, GII'IOI\ICH, SMITH, KLINGENSMITH & DOLAN Heruort 1', Henderson, II HPHllllnlg pl: Amerlcnn Ooneral flnllnce, Inc, Certified Mnll RelUtn Recelllt Roquested " ~ GII'lQfl!ICH, SMITH, 1~1-'I'lCJ"N!lMITH 6. POI-AN "TTtlnN~YII "T ~AW ~.. 1I0l'TH MM'"H IITn~~T, .UIT~ ~Ol ,~ Q. MOK RD? ll:~I~M!ll:1'HToWN, "'" 11oU,QIIQr 111713Q7"1370 FA" 171'11307'30111 JOHN M. SMITli THOMA' Cl, I\",Na~N.MITlI 1\~Vltl p. pO~AN H~"II~"T A 11~NP~"'ON, II ,J~~r"~Y S, SttAtIIl ~II ~AQT O""N"~ DTnHT ~"NcA.n", pA 17001 i7l71 01l3'3"1l~ rA" 11171 0110"0""0 Pl" COy""," 11~NnT l', (lINo"loll hlOTICE OF INlltmml TO FORECLQS~ MQ,IlTGAOe Pocom~er 29, 1 \lon MI, Jmephlne I., Ilrearn 15 Ilream Roael Cmllslo, I'A 17013 , I Rei I'romlsesl I'roml 15 Ilream Road, Corllsle, "A 17013 American Oeneml Finance, Inc, Pear Ms, (lrooml The MorlOlloe held by Amorlcan Oenoml Flnanco, Inc, (horolnafter reforrodto as American Oenera!)/ on YOllr properlY located 011 f1llream Rood, Carlisle, I'A 17013, IS IN SERIOUS PEFAU~ T ~ecause YOll have nol made monthly payments which were due Ilnce Auousl15, 1000 In the ol'lolnol monthly amllunt of $ 323,31, .. The total amount now requlrnd to cUl'lllhls dofalllt Ilr In other words to brln8 your accollnlllp to dolO, as of Ihe date of Ihlllelter II $1 ,40fi,00, You or Onwhllt.llllllWUlI1 YQur hellllll.mi\Y..Cll[l1.Ihl1.defoullwllhiu.1l1Irlv..t.lll1 ~oys oUluuJalll.lIfJlllI.1llllii hy \)oylolLlo..Anm.iClln.Ollllllf.al.lluullllo.unt of S 1.406,OlLP].lJi.ilIlYJIddllim1llLmlllltllly poymen14 ond 10le chOIllc:l wWc1unnl!1alL.dw:iI1lUhlu1w:iod.Jmr.lll11Y-l\.C!:rWlllll11al1liUllJ.hlulllllL Such paymenl mllst ~e mRde by elthel' cosh, cashier's check, certified check uf money ardor and mode atlhe office of "merlcan Oeneral localed al6 SOlllh Hanover Street, Carlisle, I'A 17013, . Also enclosed Is a notice reqlllred ~y the Hemeowners Emergency .\islstance Act of 1003 (hllrelnafter referred 10 as the "Assistance Act") which explains rlohts Ihot may be avallablo 10 YOIl, If YOIl do not cure the defalllt within lhlrly (30) days or eKorclse YOllrrlohts oUlllned In Ihe accompanying Assistance Act notlco, we Intend to exercise ollr right to accelerate the paymenll, This meanl that whatever 15 owl nil on the orlolnal amollnt borrowed will be considered due Immediately and YOllmay loselhe chance to pay off the orlolnal mortgage In monlhly Installmentl, If full poymanl of the amollnt of dofalllt II not made within thirty (30) days or YOllr other aforementioned rlghls are not exercised, !..Will ho le(LWl!h..nlUl!lernatlve hut tQ lJlIllmence a lawsuit awnst \/oulo forecloso the mort~a"ed lIflIllllllI'..ll.l1lIll1lUlsoJtlllfJlcloled, the prol1Ql1y will belold hy Ihe Sharllf to pay orUhe mOltva"e dubl. If YOII cllre the default bofore we begin le8al proceedlllll against you, you will stili hRve to pay dIe reasonable attorney foes, actually Incurred, up to $600,00, However, If legal proceeding are commenced against you, you will have to payrealonable attorney feel even If they ate over $600,00. Any attorney feas will be added to whatever you owe American Oonoral, which may also Indude any reasonable cOStl, lLYau cure thp default within the thirty 130l day pedud...wu will not.hll.lllllulrllllllW2llY lIlIornllY-fWlLUnlelS Ihe attorney lnos are actually Incurrod.hy.AllUldtilt1..lJJmllral, , ~ PaBa 2 Wu may also slIa YOIl parlOnillly (or 1110 IInpald principal balanco ami 011 oll1or Slims dllo IIndor lI1u morlaaall, I( YOIl hava nol c\lrnd Iha Ilo(a\III wlll1in tha Ihlrty (30) days porlOllpr ll~arclfiacl your ^sslslonca ^cl rluhls onll (maclOsllra procaaellnSllHWo huan commullcad, ~lllUl.. IIUlil'illJlla..rJuI1UIl.\:UwlhlldllfllllllJlllll.w1MUl IluualllJlLllll~lmll..UIl.lu.IlIllLhIlLlt.lwfoULII1IlJiI111rl{CA.furncluiwlUlllll~u..lnllv..dlUll.h~_1UI\!1tIJJhll..\ula.l j11llllullt.oL11\lL\mlllllIiJIlIllIU1~PIlv.n\lml4-l1luLlIl~U\lUIIUrllllUl.r-llIlY.Jllhuu:hurllQiJhwulul4JILWllll.Jluhp [JllIiQIIIlUluJlllllrllIWlUllLllllUll.Iilti'.QIlnw:Iu1l..wIIII,lllll1lllilcllliUllUJlllllunlipwforffi.JlllV-lllllllU>>.lIulrWlllllllUludlt lluuUGrlullUlLllt.lIullll. Ills ostlmaled IhAt Iho oal'llaSI dAla Ihot sllch A Shorlf( solo collld ha halel wo\ihl ha appr(l~"noluly March 3, 1 ~OO, ^ IIPtlcoo( Iha dato of Iho Shurlff sAlo wlllllo sonllo \'011 ho(ora lI1a lola. O( COllrse, Iho 01l10llnlneudmllO clIru \I1a Ila(allll wllllncrollsolho 10118 YOIl wall', YOllmay (Inti mil AI any limo a~actly whallha roqlllrml paymanl will ho hy call11l8 ^morlCAn Ooneml localetl alii sOlllh Hanover Slreel, Carlisle, P^ 17013, lelepholla nllmber (717i 243.60S5, This paymenlmllsl he In cash, cAshlur's chock, cerllfletl cherll or 1110ney orllor, And bo mAdo payahle 10 ^rnerlcon aenoml allho acldren slaled ahove, YOII sholl lIt ruall~e Ihal a Sherl(( SAle will eml yOllr ownorsI1lp O( Iho mollua80 property and your rlshl 10 rumaln In It, I( YOIl contlnlle 10 live In the property n(lor Ihe Bhorl(( salo, a lawslllt cO\lld pu commenced 10 evllt YOII, ' YOII havo additional rl8hl510 help protect YOllr Inlereslln Ihe proporly, you H^VE mE Illom TO SEI.L THE I'ROpmTY TO OUT^IN MONf!Y TO p^yorr TI-II: MOIlTO^GI! [)EllT Oil UOI\ROW MONr:y FROM ^NOTl-IEIII,I:NI)INO INSTITUTIoN TO I'AY 01'1' TI-IIS Df!IlT, you MAY IIAVI! TI'If! RIGI-IT TO SUl OR TRANSrf!ll TI'Ir: PROI'r:RW SUUJI:CT TO TI-II: MORTG^Or: TO ^ Uuyr:R OIl T1IANSI'r:Rr:r: WI-IO WI~~ ASSUME Tl-lr: MORTO^Or: PlmT I'llOVIPW YOUI\ MOllTOAOf! DOCUMf!NT 1'f!RMITS you TO PO SO ^NP mAT NI, mr: OUTSTANDING I'AYMENT, CI-IAROr:S ^NP ^TTOIlNr:Y ms ^I~D COSTS ARr: P^IP 1'111011 TO OR AT TI'If! SA~r: ^ND THAT Till! omm REQLJIRr:Mr:NTS UNDr:ll TI'IE MOlnOAor: ^Rr: S^TISI'Ir:D. CONTACT US TO DETr:RMINf! UNDf!ll WHAT CIIIC\JMSTANCf!S THIS RIOI'IT MIOI.IT r:XIST. you I'IAVr: THr: RIOI-IT TO HAVr: THIS [)f!I'AUI.T CURW UY ANY THIIlD I'ARTY ACTING ON YOUlt Ilr:HA~I', . Ilv.llUJ:uwlblulcIauIUIIIl.mlltlollQlU'illlJJlUllliuwd..loJlllLlJlffilLl1lllillllllLilwQ..dllfuulLhlid..llcl:uUll1!. I-Iowever you are nol entltlud 10 Ihls rluht 10 cure your d~rauh more limn three limos In any calend~r year. This nollce and the nollce under the 'Assistance ^ct' Ole Ihe only nollces YOII will receive e~plalnlnu YOllr rluhl, You should read them cnrehllly and contact your attorney with any quesllons, Very truly yours, OINOllICH, SMITI-I, KLlNGI!NSMITI'I & PO~AN Herberll', Henderson, II HPl'llhmln pc AmerlcRn Oenerall'lnance, Inc, Certified Mall Return Recellll Requelted i ~, ' 'I '" f( " .. " "", I 'iJ C(~ 10>, ..~ ~.,. I" ':;1 rlti ~) ~r ,jf", L'L~.,J !'-')~':'i 'I "t" .~.J fl.. I), r;! ;'Jj " ,'" 4:'1 ..J~.., ( [~L, "... :!'f<l, ~I" .,.I11" i I~" ",.. (/~fO ,/ f,t 1', ~, "f rl:' :n= a.!J' e:\ ,~j:) d j; q H ", Ii j;. lj, i'f' I' " /' " " " i" H " ii' " ,I " '" .' '" i' I, i! ,If .1, n , ;; " " " " " , l,i' " " .. i' , i' I' Ii , ( ~ I! f: l' " ". " " " " I' " H i! ']! " ,;! II i' iF, ;,'f " if .' H I' u f.,. " ;, \.' " ,I< I; " ;, !'If 'i I' " Ii " " I' " " Ii