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Home My WebLink About99-02075 ,GOLDBECK McCAFFERTY & McKEEVER BY: Joseph A. Goldbeck, Jr. Attorney 1,0.#16132 Suite 500 - The Bourse Bldg. 111 S. Independence Mall East Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff COUNTRYWIDE HOME LOANS INC" F/K/A COUNTRYWIDE FUNDING CORP. 6400 Legacy Drive Plano, TX 75024-3632 Plaintiff IN THE COURT OF COMMON PLEAS vs. :ACTION OF MORTGA E FORECLOSURE COUNTY DENNIS WILLIAM MUMMA AND LINDA K. MUMMA (Mortgagor(s) and Real Owner(s)) 74 Pleasant view Drive Mechanicsburg, PA 17055 Defendant (8) qf - l~cy1.S ~ 'Ji".'",' ':.,-;.r~. \:',r:, r,' f,';:<:."CLOSURE Cl~l\. ~CTiC:!: THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATJ:ON 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 lorth 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 the case may proceed without yeu and a judgment may be entered against you by the Court ....ithout further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OlIT WHERE YOU CAN GET LEGAL HELP. Court Administrator CUmberland County Courthouse, Carlisle, PA (717) 240-6200 Legal Services Inc. 8 Irvine Row, Carlisle, PA 17013 (717) 243-9400 A V ISO LE MAN DEMANDADO A USTED EN LA CORTE. 51 DSSEA DEFENDERSE CONTRA LAS QUEJA9 PERBSBNTADAS, IS ABSOLlITAMENTS NECESSARIO QUE USTED RESPONDA DENTRO DE 20 DIAS DESPUES DE SER SERVIDO CON ESTA DBMANDA Y AVISO. PARA DEFENDSRSB ES NECESSARIa QUB USTED, 0 SU ABOOADO, REGISTRE CON LA CORTE EN FORMA. BSCRITA, EL Ptnn'O DE VISTA DE USTED Y CUALQUIER OBJECCION CONTRA LAS QUEJAS EN ESTA DEMANDA. RECUSRDE: 51 USTED NO REPONDE A ESTA DEMANDA, SE PUEDE PROSECUIR CON BL PROCESO SIN SU PARTICIFACION. ENTONCES, LA COUTE PUEDE, SIN NOTIFICARIO, DECIDIR A FAVOR DEL DEMANDAN'I'B Y REQUERIRA QUE USTEO CUMFLA CON TODAS LAS PROVISIONES DE ESTA OEMANDA. POR RAZON DE ESA DECISION, SS POSSIBLE QUE USTEO PUEDA PERDER OINBRO, PROFIBDAD U OTROS DERECHOS IMPORTANTES. LLEVE ESTA DEMANDA A UN ABOGAOO IMMEDIATAMENTE. 91 NO CONOCE A UN ABOGADO, LLPJo!E AL "LAWYER REFERENCE SERVICE" (SERVICIO DE REFERENCIA DB ABOGADOS), 215-238-6300. Court Administrator CUmberland County Courthouse, Carlisle, PA (717) 240-6200 Legal Services Inc. 8 Irvine Row, Carlisle, PA 17013 (717) 243-9400 COMPI.ATNT IN MORTGAGE FORECLOSURE 1. Plaintiff is COUNTRYWIDE HOME LOANS INC" F/K/A COUNTRYWIDE FUNDING CORP" 6400 Legacy Drive, Plano, TX 75024-3632, 2. The name(s) and addressees) of the Defendant(s) is/are DENNIS WILLIAM MUMMA, 967 W. Trindle Road, Lot 7, Mechanicsburg, PA 17055 and LINDA K, MUMMA, 967 W, Trindle Road, Lot 7, Mechanicsburg, PA 17055, who is/are the mortgagor(s) and real owner(s) of the mortgaged property hereinafter descI'ibed, 3, On February 28, 1994, mortgagor(s) made, executed and deli vered a mortgage upon the premises hereinafter described to RESOURCE ONE CONSUMER DISCOUNT CO, INC" which mortgage is recorded in the Office of the Recorder of Deeds of Cumberland County in Mortgage Book 1199, Page 305, By Assignment of Mortgage dated February 28, 1994, the mortgage was assigned to Plaintiff, which Assignment is recorded in Assignment of Mortgage Book No. 553, Page 747, These documents are matters of public record and are incorporated herein by reference in accordance with Pennsylvania Rule of Civil Procedure 1019(g) , 4, The premises subject to said mortgage is described as attached, 5, The mortgage is in default because monthly payments of principal and interest upon said mortgage due December I, 1998, and each month thereafter are due and unpaid, and by the terms of said mortgage, upon default in such payments for a period of one month, the entire principal balance and all interest due thereon are collectible forthwith. 6. The following amounts are due on the mortgage: PrinCipal Balance Interest from 11/ 1/98 through 3/31/99 at 7.375% Per diem interest rate at $10.92 Attorney's Fee at 5% of Principal Balance Late Charges 12/ 1/98- 3/31/99 Monthly late charge amount at $31.05 Costs of suit and Title Search $ 54,061.46 1,638.00 2,703,07 124,20 560.00 Escrow Balance Credit Monthly Escrow amount $120.27 $ 59,086.73 547.28 $ 58,539.45 7. The Attorney's Fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriff's Sale. If the Mortgage is reinstated prior to the Sale reasonable Attorney's Fees will be charged based on work actually performed. '( s.M Ilern_qkt ~() 'ku rO;'lg VenM.". CA If410MII F ebfuar't 2, I ggg ACT 91 NOTICE TAKE ACTION TOI!'~1o"UR tlOME rnOM rORCCLOSURE rt 181T ~.1'1 by Certlhrd M.,VRelurn I ~Cllllt Urtqunlrd nus Otllle Lind.. K MUfllln. V07 W TnrMJle Rd lo! 7 MochIlfllr~)lIlU, PA "0!J!t.40~ OtHer LInd.. K MUlI1ma Counlrywld. Accounl , It '''011 fl,l'm...... ,. P1c....nt VieW On..." MIlChilntCwuO. PA . 'he Commonwealth 01 Pr.nfl:iyt...nnfll', Homeowner', Ern,!rgcllty MotlgJUc k.~t.1ncC' program may bl! olLie 10 help you Read the lolowlng nollce 10 IInd out how the pl'o{)l,un wOIks If you nccd morc Ifdorll1,tlion coli die PennsytvilOla tiOtt$l(lO flOilflCf> A()f'ncy ..111100.3422391 La nollficaclOn en adlUfllO ea de sum. ImpOf1.Jnci.1, Ilur.t alec.:l.1 tu dtorrcho . conhnuar vMendo en tu con. ~ no comprendlt t'1 coolt'nK.Io de esla notlrlCaCIOt1 otJlenga IIna lI'lklCCM)ll .,meehlamente lamando I ella .gef\CUl (PI!'vtSy!v.lf11i1 1f00000tg Fwumce Agency) Un cargos al ntJfIlC'O mentlOOado ."...., Uated pur.de .er eleQfble pat. lA'l preslamo del pfoQl,lInalamado -1l0rnt'0.....neJ's Emergency MOIlgage Assn.I.1nce Program- rl cual puede lalvlr tu cn. de I. pelfJIlJ,1 dIll dl.'recho It redlMlII' IIoU tllpolt'ca ACT 91 NOnCE IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM PLEASE READ TH'S NOTICE, YOU MAY BE ElIG,nLE FOR F'NANClAL ASS'STANCE WH'CH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAOE PAYMENTS, You may be eligible for financial assistance thai will prevent foreclosure on your mongage if you comply with the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 ((he "Acl"), You may be eligible for emergency temporary asslsta!1ce 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 ellgibilily requirements established by the Pennsylvania Housing Finance Agency. Please read all of this NOlice. II contains an explanation of your rights, Under the Act, you ate enlillcd 10 a lemporary stay 01 loreclosure on your morlgage lor dllrty.five (35) daVS "om Ihe dalr 01 this Notice. DUling thai time you musl arrange and attend a .tate.lo.lace. meeting with a representative 01 this lender. or with a designated consumer ctedll counseling agency. The purpose 01 this meeting is to attempl 10 work out a ,epayment plan, or 10 otherwise scllle your delinquency. This meeling musl occur in Ihe fletlthirty.live (35) days. II you a"end a lace'lo.Iace meeling With this lender, or wilh a consumer credil counseling agency idenlified in this notice, no furlher proceeding in morlgage roreclosure may lake place for thirty-five (35) days alter the dale of this meeting. The name, addtess and lelephone number 01 our representalive is: COUNTRYWIDE, 400 Countrywide Way, Simi Valley, CA 9306506298 Telephone Number: 1-800-66906654, Extension 7556. The names and addresses 01 designated consumer credil counseling agencies are shown on the attached sheet II is only necessary 10 schedule one lace.to.lace meeting, You should advise Ihis lender immedialely of your intentions. Your muf1gage is in default because you have failed 10 pay promptly installments of principal and inleresl, as requi,ed, for a period 01 al leasl sixty (60) days. The lolal amounl 01 the delinquency as of Ule date of this lener is $2,378.15. ThaI sum includes the following: Total 01 monthly paymenls lrom 12101/19981002128/1999 including all accrued laic charges, if any: Property inspections and NSF check charges, if any: Other charges accrued, if any: LESS: Suspense (unappUed funds): TOTAL AMOUNT OF DELINQUENCY: $2,333,10 $10,00 $35,05 ~ $2,378,15 Plea5ewr,leyourloannumberonallchecksaoocofle5pondence PENN91 7128/97 9164066,4 l,nd~J(""'mm;o 7~ Pkl~l-Inl V,uw Or_ $2,378.15 AS OF 2/0211999 P.O. Box 10219 Van Nuys, CA 91410-0219 11.11111111111.111.111111.11111..1.111.111.1""1111.1"111111 916406640002378150237815 -7'1. 'i"~.w.~I~~J."\" .'.. ......'.n ..:..:I\,"~~I""'g;'l"'{".,":'t'!f"'; .;.: ~t}~~A"1_~11!~i~.'>:;.~.::~~~;!:'.- '.' . , ,,~. . ., ;",=:!<,~~.j~i:';-':"' ,'t~II~~"I: '..".,,,rVl,, . i!I.fl!'/r,j '. ~-:J:!:~k~.- , ,,,,...' ".' ~ " ,11,"'j'I,,", ',.'.f,I,,';- I &eMP."","",,, PO ltg, 10111 V""MI,. fA ''''001'' ACT 91 NOTICE TAKE ACflON 10 SAVE YOUR !tOME FROM FORECLOSURE r rtltJflUl''1 '1, lU99 5.,fll hy Ct''''.."d M.1ll1Rtlutn Rltct"lfJ4lfrflut',IIWJ'thl'iO.11e Denn" W.lI..m Mumma 14 Plon.nl VIf.f'W Olive Mech.lllubl.llg,"" '105S-oooo Ouru Orlllll'i WIIII/lln MUIllHl,I Coun'rywid. Accounl' "14061 PII!ml\e' 14 Ple.'lInl V~ DfNe Mrdlol1tl6Cilug, PA fhft COlTllllotlWelllU. III Pell'''ytVlt'Il.' t!UIflCOWl'W.l's r/lWIU'~lIlV MUl'U;IU~ ^'lAldIlCe plO9'dlll mll~ till Ittll., It) hf!'r )'IIU Rered tiler lutlOWlflg nolle. to '1011 uut how 'flll' ,WoiJl..flI WOf'" II you 1I1'f'I'mote ,"I01m"hon ,althe Pe'Vtlytv;lllhlItOlIYMJ r..."w;e ^Ut.,w:y 311800.342-2391 La nobflCactof'l en adjt.lfu ItS de luma IInpot'l,If'IU4I. IKln ..Ieela \U dell!cho . (OObnu41 VlVlC!ndo en so casa S. no compttndo "I conltf1!do de ~a nubflCaCKlfl obleou" ~I" lIaducclOfl lflmedlalamenlll' lamando a tst., agencia (Ptnns'tfYoIlU HOOSlnQ FllldtlClt Agency) UI ca'gol oil numelo lTIl.'llu<UlildG alltba U,led puedll' se' eleglblc para 00 IHlIsl4mo del ptoO'am" l.m;1do ~omeowf1e", Eme'l]t'/\CY MOfIg.tLl~ A!i'Jol$,t.tnc~ ProQlarn* el cual puede SAlvar 50 casa de Ia pl.'rdlda del deleetlO II rt-dtm. IU 11Ipoh!cit ACT 91 NOnCE IMPORTANT: NOTICE OF UOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM PLEASE READ THIS NOTICE. YOU MAY BE ElIG'BLE FOR FINANCIAL ASSIS1ANCE WH'CH CAN SAVE YOUR HOME FROM FORECLOSURE ANO HELP YOU MAKE FU1URE MOR10AGE PAYMENTS, You may bll' oligible for fmancial assislance thai will prevenl foreclosure on your mortgage if you comply with Ihe ,}rovisions 01 the Homeowners' Emergency MOrlgolge Assislance Acl of 1983 (the "ACI"), You may be eligible for emergency lemporary assistance il your defaull has been caused by circumslances beyond your conllol, you have a reasonable prospect of resuming your mortgage payments, and if you meet other eligibility requiremenls eslablished 'by the Pennsylvania Housing Finance Agency. Please read all of Ihis Notice, II contains an explanation of your rights. Under the Act, you ate enlitled 10 a lemporary slay olloreclosure on your rno'lgage lot thitty.five (35) days ftom !he dale ollhis Nolice_ Owing thallirne you mU51 arrange and a"~nd a *Iace-Io.faceo meeling with a teprtsentative ollhis lender. or With a designaled consumet c.edlt counseting agency. The purpose of this meeling is 10 a!templ 10 work out a repaymenl plan, or 10 olherwise seltle yow delinquency. Th.s rneelmg musl occur in the ned Ihirty.ftve (35) days. If you altend a lace.lo.lace meeling with lhis lender. at With a consumer credil counseling agency idenlified in this nolice. no fut1he. proceeding in mottgage foreclosure may take place for thirty-rille (35) days atler the dale ollhis meeling. The name, address and telephone number of our represenlative is; COUNTRYWIDE, 400 Countrywide Way, Siml Valley, CA 930651298 Telephone Number: 1-800-'69-'654, Edension 7556. The names and addtesses 01 designaled consumer credit counseling agencies ate shown on the attached sheet. II is dilly necessary 10 schedule one lace-la-face meeling. You should advise this lende, immedialely of your inlentions. Your mortgage is in defauh because you have failed 10 pay promplfy inslallmenls of principal and inleresl, as required, for a period 01 ,11 least sixty (60) days_ The 101,11 amounl olllie delinquency as 01 the dale of this lelter is $2,378.15. Thai sum includes Ihe lollowing; Tolal of monlhly payments from 12/01/19981002128/1999 including all accrued tate charges, if any: Property inspeclioM and NSF check charges, it any: Other charges accrued, if any: lESS: Suspense (unapplied funds); TOTAL AMOUNT OF OElINQUENCY: $2,333,10 $10.00 $3~.0.'; :.llQ 12,378,15 Please wr~e yIlIlI loan number 0/'1 all checks and correspondence PENN91 7128197 9184066,4 O<lnn,. W.I~"m Mol",",,, 1~ Piau..". Vwm 011.... $2.378.15 AS OF 2/02/1999 P.O. Box 10219 Van Nuys. CA 91410-0219 1I.I.ulIlI.lllllllllllmllullIl,lll.III.llIllllIIlllllllI.1 916406640002378150237815 :7~:1;. ,:! ",'l:ii.r..:~,~~ ;;'ffjt~t.,~;t.'~~i'l~~~~:;;i.~~~~:;':::<~;.,_:-:.. --..:: ,~:;:l'~I~":, 1;.:I/Ilt, .lo' lr."...t~; "':dJ-.lo:;l"...i::'~.:. .,..L.".,.ll.;.:....~r;.. ._...~_,~...,.:_. ~',. " .I! ..,~"l.,,",. ,.!"~,,.. .....:I:.h' .i j1j~, .' '1,\'o~'J~" , ..". ":'> ~"'l,, , , '~.JI:~ :;: - SHERIFF'S RETURN. NOT FOUND CASE NO: 1999-02075 P COMMONWEALTH OF Pr;NNSYLVAN IA: COUNTY OF CUMBERlAND COUNTRYWIDE HOME LOANS INC VS, MUMMA DENNNIS WILLIAM ET AL being duly sworn according and inquiry for the within R, Thomas Kline , Sheriff, who to law, says, that he made a diligent search named defendant, to wit: MUMMA LINDA K but was unable to locate Her in his bailiwick, He therefore returns the NOTICE AND COMPLAINT IN MORTGAGE FORECLOSURE NOT FOUND ,as to the within named defendant MUMMA LINDA K DEFT, 'S NO LONGER RESIDE HERE, BELEIVED TO BE IN PERRY CO., BUT P.O, WOULD ONLY PROVIDE A P.O. BOX. Sheriff's Costs: Docketing Service Not Found Surcharge So an,~Y~ #. 7' ,~~~~ 1<', homas 11.1 J.n6", J. GOLBECKk MCCAFFERTY & MCKEEVER 04/19/1~99 18.00 6.20 5.00 8.00 $.; I. .<U Sworn and subscribed to before me this /9 If; day of ~ 19 91 A.D. ~Q~~ . lo'ro ono ary SHERIFF'S RETURN - NOT FOUND CASE NO: 1999-02075 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND COUNTRYWIDE HOME LOANS INC VS. MUMMA DENNNIS WILLIAM ET AL R, Thomas Kline , Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named defendant, to wit: MUMMA DENNIS WILLIAM but was unable to locate Her in his bailiwick. He therefore returns the NOTICE AND COMPLAINT IN MORTGAGE FORECLOSURE NOT FOUND ,as to the within named defendant MUMMA DENNIS WILLIAM DEFT'S NO LONGER RESIDE HERE, BELEIVED TO BE IN PERRY CO., BUT P.O. WOULD ONLY PROVIDE A P,O. BOX. so~nswe :~.../~ .~~~~ It. S , $L~.UU GOLDBECKL MCCAFFERTY, MCKEEVER 04/19/19~9 Sworn and subscribed to before me this /1'1!>- day Of~....:J 19 99 A.D, Sheriff's Costs: Docketing Service NOT FOUND RETURN Surcharge 6.00 ,00 5.00 8.00 I C)-'ll-<-- Woc~tfy~ " , Ii " " " ..I GOLDBECK McCArF~RTY & McKEEVER BY: Jooeph A, Goldbeck. Jr. Attorney I,D,U16132 Suite 500 - The Bourse Bldg, 111 S, Independence Mall Eaot Philadelphia. PA 19106 215-627-1322 Attorney for Plaintiff " COUNTRYWIDE HOME LOANS INC,. F/K/A COUNTRYWIDE FUNDING CORP, 6400 Legacy Drive PIano, TX 75024-3632 Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION - LAW va, :ACTION OF MORTGAGE FORECLOSURE DENNIS WILLIAM MUMMA AND LINDA K. MUMMA (Mortgagor (a) and Real Owner(a)) Term F; ( No. 99-;;)..0'75 I..:'I;"L l 74 Pleaaant View Drive Mechanicsburg, PA 17055 Defendant(s) .I',",.",-"-:'r,,.,,:'.~.,., C.' 0'(;' rL OSURE Clnl ~Cm:1: ' , _" THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. NOT I C' E You have been sued 1n court. It you wish to defend against the clilima set torth in the following pages, you must take action ~lthin 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 it you fail to do 80 the cue may proceed ....ithout you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief request~d by the Plaintiff. You may lOBe money or property or other right. important to you. YOU SHOl1LD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU 00 NOT HAVE A LAWYER OR CANNOT AFFORD ONE, ., CO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. ;:_'~. Court Administrator CUmberland County Courthouse. Carlisle, PA (717) 240-6200 Legal Services Inc. a Irvine Row, Carlisle, PA 17~11 (717) 241-9400 A V I S a LE MAN DEMANDADQ A USTED EN LA CORTE. 51 DE5EA DEFENDERSE COrmA U.S QUEJAS PERESENTADAS, ES ABSOLUTAMENTE NECESSARIa QUE USTED RESPONDA DENTRO DE 20 DIAS DESPUES DE SER SERVIOO CON ESTA DEMANDA Y AVISO. PARA DEFENDERSE ES NECESSARIa QUE USTED, 0 SU ABOGADO, REGISTRE CON LA CORTE EN FORMA ESCRITA, EL PUNTQ DE VISTA DE USTED Y CUALQUI ER OBJECCION COln'RA LAS QUEJAS EN ESTA DEMANDA. RECUERDE: 51 USTED NO REPONDE A ESTA DEMANDA, SE PUEDE PROSECUIR CON EL PROCESO SIN SU PARTICIPACION. ENTONCES, LA COUTE PUEDE, SIN NOTIFICARIO. DECIDIR A FAVOR DEL DEMANDANTE Y REQUERlRA QUE USTED CUMPLA CON TODAS LAS PROVISIONES DE ESTA DEMANDA. POR RAZON DE ESA DECISION, ES POSSIBLE QUE USTEn PUEOA PERDSR DINERO, PROPIEDAD U OTROS DERECHOS IMPORTANTES. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE. 51 NO CONOCE A UN ABOGADO, LLAME AL NLAWYER REFERENCE SERVICE- (SERVICIO DE REFERF.NCIA DE ABOOADOS) , 215-218.6100. Court Adminiotrator Cumberland county Courthouse. Carliale, PA (717) 240-6200 Legal Services Inc. a Irvine Row, Carlisle, PA 17013 (717) 243.9400 C:OMPIJlINT IN MOHTGAGJ:: FORECI,01JURf: 1. Plaintiff iu COUNTRYWIDE IIOME LOANS INC" F/K/A COUNTRYWIDE FUNDING CORP" 6400 Legacy Drive, Plano, TX 75024-3632, 2, The name (s) and addrcBEI (ea) of the Defendant (s) is/are DENNIS WILLIAM MUMMA, 9(,7 W, Trindle Road, Lot 7, Mechanir.sburg, PA 17055 and LINDA K. MUMMA, 967 W, Trindle Road, Lot 7, Mechanicaburg, PA 170S5, who is/arc the mortgagOl'{a) and real owner(s) of the mortgaged property hereinafter described. 3. On February 28, 1994, mortgagor (a) made, executed and deli vered a mortgage upon the premises hereinafter described to RESOURCE ONE CONSUMER DISCOUNT CO, INC" which mortgage is recorded in the Office of the Recorder of Deeds of Cumberland County in Mortgage Book 1199, Page 305. By Assignment of Mortgage dated February 28, 1994, the mortgage was assigned to Plaintiff, which Assignment is recorded in Assignment of Mortgage Book No. 553, Page 747. These documents are matters of public record and are incorporated herein by reference in accordance with Pennsylvania Rule of Civil Procedure 1019(g). 4. The premises subject to said mortgage is described as attached, 5. The mortgage is in defaul t because monthly payments of principal and interest upon said mortgage due December 1, 1998, and each month thereafter are due and unpaid, and by the terms of said mortgage, upon default in such payments for a period of one month, the entire principal balance and all interest due thereon are collectible forthwith. 6. The following amounts are due on the mortgage: Principal Balance $ 54,061.46 Interest from 11/ 1/98 through 3/31/99 at 7.375% 1,638,00 Per diem interest rate at $10.92 Attorney's Fee at 5% of principal Balance 2,703.07 Late Charges 12/ 1/98- 3/31/99 124.20 Monthly late charge amount at $31.05 Costs of suit and Title Search 560.00 $ 59,086.73 Escrow Balance Credit 547.28 Monthly Escrow amount $120.27 $ 58,539.45 7. The Attorney's Fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriff's Sale, If the Mortgage is reinstated prior to the Sale reasonable Attorney's Fees will be charged based on work actually performed. VERIFICATION I, , as the representative of the plaintiff corporation within named do hereby verify that I am authorized to and do make this verification on behalf of the Plaintiff corporation and the facts set forth in the foregoing Complaint are true and correct to the bellt of my knowledge, information and belief. I understand that false statements therein are made subject to the penalties of 19 Pa. C.S. 4904 relating to unsworn falsification to authorities, Date: ., ,'i'" ....,'...,.... $endPa",..., to PO &, 10111 V.."M,.., ('.., ""00:" Febfuary 2. 1009 ACT ~1 NOTICE; TAKF. ACTION TOP)(.lo"UR tiOME FROM FORECLOSURE rt 1811 ~I by Cerhfled Ma""telurn I l'ielpl RequeSled This Dale Linda K Mumma 907 W T(lOI:t1e Rd Lol 7 Mechnnlcs,bu10, PA 170S~.""O~ Ollar Lmda K MummJ Countrywide Accounl" 91'",,066 Prem~e. 74 Pleasant VIew 011...." Mechantc"burg. PA - Th" Commoowt'DIth 01 PeM5y1vaOla.s Homeowne"s Emetgency Motlgdge As~lance program may be able 10 help you. Read !he lolIowIng nobce 10 rllld oul how the pr09".m wOIks II you flet'd mOfe If'IfOlmabon callhe Pennsytvanra HOU$lI1g Flflolnce Au'.ncy 011 1.800.342.2397 la nobrl(.1clOn en adlUrlIO es de suma Impot1ancia. pues afecta sr.t der~cho a continuar Yiviendo en su cau Si no col'Ttprende el cOflleOldo de esta noMcar:1OIl oblenga una traduccion inmedialamenle lamando a esla agenoa (PemsytvaOla HouslOQ Finance Agency) sin carool ~I flUmefO menClonado a,,!ba. Usled puede ser eleglble para un pteslamo del proQrama IIamado -Homeowner's Eme,gency Morlgage Assistance Prog,am- el cual puede salva, su casa de la perdlda del derecho a tedlmlr su htpoleca ACT91 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 thai will prevenl foreclosure on your mortgage it you comply with the provisions of the Homeowners' Emergency MOr1gage Assislance Act of 1983 (the "Act"). You may be eligible for emergency lemporary assistance If your defaull has been caused by circumstances beyond your conlrol, you have a reasonable prospect of resuming your mOr1gage payments, and if you meet other eligibility requiremenls established by the Pennsylvania Housing Finance Agency. Please read all of Ihis Notice. II conlains an explanation of your rights. Under !he Act. you are enllUed 10 a lemporary slay olloreclosure on your mortgage for thirty.live (35) days Irom the date of lhis Nollce. During lhaltime you must auange and attend a -face.lo-Iace- meeting with a tepresenlative of !his lender. or with a designated consumer credit counseling agency. The purpose 01 this meeting is 10 attempt 10 work out a repaymenl plan, or 10 otherwise senle your dehnquency. This meeting must occur in the next thirty-rIVe (35) days. II y~U attend a face.lo.lace meeting With this lender, or Wllh a consumer credit counseling agency identified in !his notice. no further proceeding in mortgage foreclosure may lake place tor thitty-rlVe (35) days aller the dale 01 this meeting. The name, address and telephone numbe, 01 our represenlative is; COUNTRYWIDE, 400 Countrywide Way, Simi Valley, CA 93065~298 Telephone Number: 1-800.&69-6654, Extension 1556. The names and addresses 01 designated consume, credit counseling agencies ate shown on the attached sheet. II is only nel:essary 10 schedule one lace-lo.lace meeling. You should ad....ise Ihis lender immediately of your inlentions. Your mortgage is in defaull because you ha....e failp.d 10 pay promptly inslallments of principal and inlerest, as required, for a period of at leasl sixty (60) days. The lolal amount of the delinquency as ollhe dale 01 this leher is $2,378.15. Thai sum includes lhe rollowing: Tolal of monthly paymenls Irom 12/0111998 10 02128/1999 including all accrued lale charges, if any: Propertyinspeclions and NSF check charges, it any: Other charges accrued. if any: . LESS: Suspense (unappRed funds): TOTAL AMOUNT OF DELINQUENCY: $2.333.10 $10,00 $35,05 :..tQQ $2,378.15 Plene mAt fOUl' loan nlJmber on ~U ehecks and cotrnpoodence. PENN91 7f2S197 9164066-4 LllldaKMumma 1"p'ea'-lntV_00... $2,378.15 AS OF 2102/1999 P.O. Box 10219 Van Nuys, CA 91410-0219 11,1"IIIII,I..I".IIII",II'l11.1.11111111111111111111.ull11 916406640002378150237815 ,C ~', i~~4{~';f.t~~hL.\~~ :t~M'I::' ,.''''-Ql, ' ~loffiJ"i' '. -. i1~\Si:: , . .: '':.~\tWI :J~.~: ~~ .;..:';.~-:' ., J"i'r:./'~ . '~'~":~"'; '.;-~.~.. ~P'rmotnl'kJ PO ttor '01" V.,. Nil,. CA t'H()Ol,t ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE February 2, lOgO Senl by CcrMed Mill/Return R"celpl RequeSled nus Oal8 Linda K Mumma 7.. Pleasnnl VICW On...e Mecha,ucsbufU, PA 1705S.0000 Dear Lmda K Mumma Counlrywide AccounlII 91U066 P'~f!1t'I!S 74 Pleinnl VieW 0"'10 M~chl!nrcsburg, PA . The CommOllWeal1h 01 Penm.ytvll'lla's HomeOWfl~". Emergency Mo,tgage Aslillance plogram may be able to '1('Ip you, Rrad die foloWVlO nobce 10 rind out how Ih. pro!)l'am wOfks II you need mote info,mabon calthe Pennsyfvanla HoUSJn!) FInance Ag~ncy af 1.800.342.2397 La nobrlCacion en adlunlo es de suma unpo'lancia, poes afecla su de,echo a contlnuar viviendo en su cua SI no complende el conlel'lldo de esta nollfic:aclon "blen!)a una l1aduccion inmodialamenle lamando a esla agentia (PeMSylvania tlOUSiog Finance Agency) Sin cargos al numero mencionaclo amba, U,ted pued4t ser eleglbl. para un prellamo del pfograma lamado -Homeowner's Emergency MOftgago A,slslance Program- el cual puede salvar su CUI de la perdida del derecho a red.mlt so tupott!ca ACT 91 NOTICE IMPORTANT; NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM PLEASE READ THIS NOTICe. YOU MAY DE 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 Ihal will prevent foreclosure on your mortgage if you complV with the pro'lisions of the Homeowners' Emergency Mortgage Assislance Act of 1983 (lhe "ACI"I. You may be eligible for emergency temporary assistance if your default has been caused by circumstances beyond your conlrol, you have a reasonable proS"pecl of resuming your mortgage pavmenls, and it you meet other eligibililV requirements established bV the Pennsylvania Housing Finance Agency. Please read all of this Notice. It contains an explanalion of your rights. Under the ACI, you afe enlJfled 10 a lempofsry slay of foteclosure on your mOflgage for thirty. five (35) days Irom Ihe dale of this Nolice. During thai lime you musl attange and altend a -'ace. 10' face- mee~ng with a represenlali'le of this lende', or with a deslgnaled Consumef ctedll counseling agency The purpose of !hi, meeting is to altempl 10 wotk oul a tepaymenl plan, or 10 otherwise senle your delinquency. This meeting musl occur in the next lhitty.rlVe (35) days. If you attend a face.to.lace meeting with this lender, or with a consumer cred;1 counseling agency iden~fied in this nolice, no further proceeding in mortgage forecfoSllte may take place lor Ihitty.rlVe (35) days after the dale of Ihis meeling. The name, address and telephone number of our fepresenrative is: COUNTRYWIDE, 4QO Countrywide Way, Simi Valley, CA 93065-6298 Telephone Number: 1-800-'69-'65-4, Extension 7556. T~e names and addresses of designated consumer credil counseling agencies are shown on the attached sheel. II is only necessary 10 schedule one face.lo.face meeting. You should advise this lender immedialely of your intentions. Your mortgage is In defaull because you ha...e lailed to pay promptly inslanmenls of principal and interest, as required, fOI a pefiod of alleasl sixty (60) days. The lolal amount 0' Ihe delinquency as ollhe dale ot!his lelter is $2,378.1 S. That su,n includes lhe following: Tolal of monlhly paymenls from 12/0t/1998to 0212811999 including aU accrued lale charges. if any: Property igspections and NSF check charges, if any: Other charges acaued, if any: LESS: Suspense (unapplied funds): TOTAL AMOUNT OF OEl'NQUENCY: 52.333.10 $10,00 $35,05 :..tQQ $2,378,15 PIeas.llwr~e'fO'Jflo.1nnUmbe1onaIIC/lecksancJCOftespondenc. PENN91 7f181g7 9164066,4 L,Ild.olI<'-"mma 14 Pleas "'lIItlli_o.... $2,378.15 AS OF 2/02/1999 .\ P,O, Box 10219 Van Nuys, CA 91410-0219 11,1.11,.11,1.,1",1111,1,1',11111.1.,.111,1"11,111,1,,,111,1 . l:!,/~~ij~ "LJi{.'("~"~; ~....,~''''~ ":i~~~-#:~' '.,,;,;;i>t; " "':;'.1"jI'~~'lt~.. " .~:,~:-!:{ 916406640002378150237815 ,\ ;;,;...... .,.,..... "'.,rk" s\..I~~1 I' - . ~:",",' ';..: " ~ '".,...." PIt..e be '~ed INIIht tolaf .mount it .s ollhe dltl 01 !hiI1.ne" .nd .ddltiOf\lI .moootl may become due " VOW' delaloft perlllll r' j YOtI mor1gage".1so I'l deleloft lot the 'oIoM\g r..sons "you hava Irted Ind Ire la'\Ible 10 resolve IhiI prob~m al Of afler your l.ce.lo.l.ce meebng, you have !he rlghllo apply lot financial .uitlance from th. Homeown.,.' Emergency Mor10age Almlllnce Fund. In Older 10 do this, you musl ,.. out, Ilgn aM Ne a complel.d Homeowner,' Em.,gern;y Assislance Application oMth one of the dellQnaled consumer aeeM cOUMeling ageodes hied on the .n.thmenl. An .ppJtcabon for .lsBlance may ody be oblalned from. consume' gedtt cO\Wtlellng .gency d 'IIISt you in riling oul yo1M' appbcatlon and W1115Ubmil you" complel.d Ippicluon to the PermytYlnia Housing FiNnee Agency. Your appllc.tion musl be flied 0' poslmlfked, within lhirty.rNe C3$) days 0' ycu '.ce.lo.r.ce meeting. " II extremel)' Imporunllh.t you Pie your ,ppUcltlon promptly, If you do nol do so, or if you do not follow ttw oltter Urne periods "I forth In this letter,lo,-.closure may proceed against your homo Imm<<KIlillely. Available lunds lor emergency morigage ISMlance ate very limlled, They wiD be distxned by the Agency undlt' the eigibity crile,i, ell.bhhed by Ihe Act. " is utlemety Impor1anllhal your app~calion is aCCUlale .nd complele in every respecl. The Pennsylvania Housing Financ. Agency has sirty (60) days 10 make a decision after il receives YOUl appUcation. During thai additional time. no loredosure proceedinG' will be purlued 'O'1OS1 you if you h.ve mellhe Ume requiremenls selloc1h ab,gve. You will be notified direclty by thai Agency of its decision on your .ppbcallon The PeMSyIv.nill Housing Finance Agency is located al 2101 North Fronl Street, Post Olflce Bot 8029, Hatlisburg, Pennsylvania 17105. Telephone No. (717) 780.3800 or 1.800.342.2397 (IOU lree number). Persons WIth impaired hearing can cal 1.800.342.2397. In .ddition you may receive another notice from this lender under Acl6 of 1974. That nolice is caned "Nglice 01 Inlenlion 10 Foreclose". You must read both nolices. since they both erplain righls thai you now have under Pennsyfvani. law. However, il you choose 10 exercise your rights described in this "olice. you cannol be loreclosed upon while you are receiving that assistance. I Verytrutyyours. tjtMIa ;2:;wia~ By: Gloria Kwialkowski loan Counselor 1.800-669.6654, Extension 7556 Anention: Gloria Kwia!kowski Loan No.: 9164066 Sent by Regular Mail, Certificate 01 Mailing (PS Form 3877) It youcloan was in delault atlhe time Ihat it was acquired by Countrywide, please be advised 01 the folluwing 1. Counlrywide is a debt coUector. we are attempting to colleci a debt. and any information Counlrywide obtains will be used for that purpose. 2. The amount currently owed 10 Countrywide is S2.378.15 (there may be other accrued inlerest. cosls and erpenses). Unless you, within lhirty (30) days after receipl of this lettt'r, dispute lhe validity ollhe debl owed or any pOr1ion 01 this debt. we will assume Ihe amount to be valid. If you notify us in writing within Ulis thirty (30) day lime frame Ihal you dispule the debt or any portion cir the debt. we will oblain verification 01 the debl and mail it 10 you and, il you so requesl. provide you wilh the name and address ollhe original credilor jf it is dilfetenllrom lhe current credilor. Please direct any written dispules 10 Ihe lollowing address: Countrywide Home Loans, Inc. Collections, MS SV.34 ANention: Research Counselor P.O. Box 10221 Van Nuys, CA 91410.0221 \.. '.',' It: ..,1 h',. .' PIt... b. .cMsed Il.llht lot.. .mO!.ft II .. ollht dll. of Itvs Id.r, .nd .ddltloMI .rncM'Ib m.y b.com. due It you' dtl.uI pe'MII, Yow rnoMg.ge lI.tao In d.ld for !he loIow4ng 'UIOnI t~;..~~.~ , Jj\~..:!. II you Nve tried .nd If. l.I\IbIe 10 'etolv. IhiI problem .1 or aft." your r.ce.lo.I.CI meeting. you hlY. Ile r'SIN to .ppty lor ,.,.ndal.llilt.nc. from 1M Hom'oYtner.' Emergency Mor1g.ge Aaltlt.nee Fund In order to do this, you mull M out, Itgn.nd Ne . complelf!d Hom.owne,,' Emerg.ncy AlIi'II.net Appllc.bon with one of III d.IIgn.I.d COf'IIUfnlf Utdrl counullng IIg.nclt, hl.d on Ihe .".chmenl An .pplIc.uon for ..w.nce m.y orI1 be obl.lned from . conaum.r Cl'.dll couns"og '9'ncy WIII,,,,I you In NIIny out ycu _ppllclUon Inti IMIr.utJrNll yot" c:ompI41.lft 'rP'<:"Uor. to the P,nnsylv.n1. Houting Fmnce Agency. Vow .ppk.bon must be r'ed or poIlmllked, WtIhin lhirty.lN. (35) days of yow f.ce.to.l.u me.1Ing tt I, tdr.mtly ImpoNn' thai you m. your .pplk:.Uon promptly. tf you do nol do la, or if you do not tollow the other Ume period. III lorth lit thll len." loreclolure 1M)' proceed ag.lnll your home immedl.t.ly Av.J.bIe rund, fOf emt'flJfncy mortg.ge utill.nee .It very kmited. They wi be dlsburnd by the Agency Wldef the eigWty criteria eslabhhtd by Ihe Act Ilia ed/eme/v impot1,nl ~I rotA' .ppIic,tIon is accurafcr ind complere n ctver)' lctspctd. The' P,msyfv.ni. HOUIIItg Finance Agency has Ilrty 160) d'ytlo m.ke . decision aher it feceives yw Applcalion Oumg thai addrtlonal Urn.. no fOledosure proceedings wiI be pusued .gainsl you if you have met the lime fequiements set forth .beve. Yoo WII be nobfled difectly by thai Agency of itl decision on your applicAtion The Pennsylvania Housing Fin'nee Agency ;s Iocaled .1 2101 North Fronl Slreel. Posl OffICe Bo. 8029. Harrisburg, Pemsylvania 17105. Telephone No. (717) 780.3800 Of 1.800.3.2.2397 (loft Iree number) PersOrl1 Wllh impaired hearl"lg can ca. 1.800.342.2397. In addttion you may receive another notice Irom this lender under Acl6 of 1974, That nobc:e is caaed ~Nohce of InlemlOn 10 Foreclose-, You mtJIt read both notices, SInCe they bolh e..~ain rights that you now have under Pemsylv.nia law. However. if you choose 10 e.efcise your fights described in this nolice. you caMOI be foreclosed upon while you lie receiving that assistance, Very truly yoUfS. tj!4'li4 7::wi4~~ By: Gloria Kwiatkowski loan Counselor 1.800-669.6654. E....ension 7556 Attention: Gloria Kwialkowski lOan No,: 9164066 Sent by Regular Mail, Cer1ificale of Mailing (PS Form 3877) If your loan was in defaull at the time that il was acquired by CountryMde. please be advised of Ihe lollowing: 1. Countrywide is a debt coneclor, we are attempting 10 collect il deb!. and any infolmalion Countrywide oblaim WIll be used for thai purpose. 2. The amounl currently owed to COunlrywide is $2.378.15 (there may be other accrued inleres!, cosls and e..penses). Unless you, within Ulirty (30) days after receipl of this leller. dispute lhe va~dity of the debt owed or any por1lon ollhis debl. we wid assume the amount,to be valid. If you nolily us in writing wilhin this thirly (30) day ~me Ira me that you dispute the debl Of any portion 01 the debt. we will oblain verification of Ihe debt and ma~ ilia you and. if you so requesl. provide you with the name and address ollhe original cfeditor il it is diffefent from Ihe cunent creditor. Please direcl any wnlten dispules 10 the lolloWlng address: Countrywide Home Loans, Inc. Collections, MS SV.34 Attention: Research Counselor P.O. Box 10221 Van Nuys, CA 91410.0221 ~,. , " .. ~ leD @!I r G3 [!:!!:!J C'!!:!J ~ J ('~ p' ,,,f! ~, GOLDBECK McCAFFERTY " McKEEVER BY: Joseph A, Goldbeck, Jr, Attorney 1,0,"16132 Suite 500 - The Bourse Bldg, 111 S. Independence Mall East Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff ,- ,-.-;" --~,lj'-;L;, , :','":'1':.,"" COUNTRYWIDE HOME LOANS INC" F/K/A COUNTRYWIDE FUNDING CORP. 6400 Legacy Drive PIano. TX 75024-3632 Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION - LAW vs. :ACTION OF MORTGAGE FORECLOSURE DENNIS WILLIAM MUMMA AND LINDA K, MUMMA (Mortgagor(s) and Real Owner(s)) Term No, Cuct (c~ 99-;;).07$ 74 Pleasant View Drive Mechanicsburg, PA 17055 Defendant(s) Cl~ll ~CTE;i: W::;~'r;\I:~ FO,<[CLOSURE THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. NOTICE You hav~ been sued in court. If you wish to defend against the claim. set forth in the following pages, you mult take action within twenty (20) days after the Complaint and notice are served, by entering a written appearance personally or by attorney and tiling in writing with the court your defenses or objections to the claims Bet forth against you. You are warned that it you tail to do 80 the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU 00 NOT HAVE A LAWYER OR CANNOT AFFORD ONS, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHF.RE YOU CAN GET LEClAL HELP. Court Administrator CU~berland County Courthouse, Carlisle, PA (717) 240-6200 Legal Services Inc. a Irvine Row, Carlisle, PA 1701] (717) 24]-9400 A V I 5 0 LE HAN DEMANDAOO A USTED EN Lk CORTE. 51 DESEA DEFENDERSE COrn'RA LAS QUEJAS PERESEN'I'ADAS, ES ABSOLUTAMEm"E NECESSARIO QUE USTED RESPONOA DENTRO DE 20 DIAS DESPUES DE SER SSRVlOO CON ESTA OEMANDA Y AVISO. PARA DEFENDERSE SS NECESSARIO QUE USTEO, 0 SU ABOGADO, REGISTRE CON LA CORTE EN FORMA F.SCRITA, EL PUNTO DB VISTA DE USTED Y CUALQUI ER OBJECCION CONTRA LAS QUEJAS EN ESTA DEMANDA. R.ECUERDE: 51 USTED NO REPONDE A SSTA DEMANDA, SE PUEDE PROSEGUIR CON EL PReCESO SIN SU PARTICIPACION. Em"ONCES, LA COUTE PUEDE, SIN NOTIFICARIO, DECIDIR A FAVOR DEL DEMANDANTE Y REQUERlRA QUE USn:D CUMPLA CON TeDAS LAS PROVISIONES DE ESTA OEMANDA. POR RAZON DE ESA DECISION, ES POSSIBLE QUE USTEO PUSDA PERDER OINERO, PROPIEDAD U onos DERECHOS IMPORTANTES. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE. SI NO CONOCE A UN ABOGADO. LLAME AL "LAWYER REFERENCE SERVICE" (SERVICIO DE R.EFEPENCIA :lE ABOQADOS), 215.239.6300. Court Administrator CUmberland County CourthQuse, Carlisle, PA (717) 240-6200 TAUE (j)Qpy FROM REOOAD :J1ItIlnoIJy WhenJot, , here unto lOt IlIV ,.., of Id at Carlisle, PI. I r. 194!i- Legal Services Inc. a Irvine Row, Carlisle, PA 17013 (717) 243-9400 .., '.'. COMPIJ\IN'r IN MORTGAGE FORECLOSURE 1. Plaintiff ia COUNTRYWIDE HOME LOANS INC., F/K/A COUNTRYWIDE FUNDING CORP., 6400 Legacy Drive, PIano, TX 75024-3632, 2, The name(a) and addresa(ea) of the Defendant(s) is/are DENNIS WILLIAM MUMMA, 967 W, Trindle Road, Lot 7, Mechanicsburg, PA 17055 and LINDA K, MUMMA, 967 W, Trindle Road, Lot 7, Mechanicsburg, PA 17055, who is/are the mortgagor(s) and real owner(s) of the mortgaged property her~inafter described. 3. On February 28, 1994, mortgagor(s) made, executed and deli vered a mortgage upon the premises hereinafter described to RESOURCE ONE CONSUMER DISCOUNT CO. INC" which mortgage is recorded in the Office of the Recorder of Deeds of Cumberland County in Mortgage Book 1199, Page 305. By Assignment of Mortgage dated February 28, 1994, the mortgage was assigned to Plaintiff, which Assignment is recorded in Assignment of Mortgage Book No. 553, Page 747, These documents are matters of public record and are incorporated herein by reference in accordance with Pennsylvania Rule of Civil Procedure 1019(g), 4, The premises subject to said mortgage is described as attached. 5. The mortgage is in default because monthly payments of principal and interest upon said mortgage due December 1, 1998, and each month thereafter are due and unpaid, and by the terms of said mortgage, upon default in such payments for a period of one month, the entire principal balance and all interest due thereon are collectible forthwith. 6. The following amounts are due on the mortgage: Principal Balance Interest from 11/ 1/98 through 3/31/99 at 7,375% Per diem interest rate at $10.92 Attorney's Fee at 5% of Principal Balance Late Charges 12/ 1/98- 3/31/99 Monthly late charge amount at $31.05 Costs of suit and Title Search $ 54,061.46 1,638.00 2,703.07 124,20 560.00 Escrow Balance Credit Monthly Escrow amount $120.27 $ 59,086,73 547,28 $ 58,539.45 7. The Attorney's Fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriff's Sale. If the Mortgage is reinstated prior to the Sale reasonable Attorney's Fees will be charged based on work actually performed, ., " 8, A Notice of Homeowners' Emergency Mortgage Assistance Act of 1983 has been sent to the Defendant (s) by regular mail in accordance with Act 91 of 1983 of the Commonwealth of Pennsylvania on the date set forth in the true and correct copy of such notice attached hereto as Exhibit "A ", The date of the postmark on the Notice was the same as the date of the Notice, The Defendant(sl has/have not had the required face to face meeting within the required time and plaintiff has no knowledge of any such meeting being requested by the Defendant (sl through the Plaintiff, the Pennsylvania Housing Finance Agency, or any appropriate Consumer Credit Counseling Agency. WHEREFORE, Plaintiff demands judgment in mortgage foreclosure the sum of $58,539, 4S, together with interest at the rate of $10.92, per day and other expenses incurred by the Plaintiff which are properly chargeable in accordance with the terms of the mortgage, and for the foreclosure and sale of the mortgaged premises. TY & McKEEVER dbeck, Jr., Esq, intiff s.rdP."....."1clI 1'0 Out rOl" VMMlr' CA ".'0011. Felw'uary 2. '999 ACT 91 NOTICE TAKE AC liON rOt!')(/o,UR HOME fROM FORECLOSURE rl J 81r ~I by Ccrllfu:d MalVRelurn "",elpl Requesled This Dale ., Lind. K Mumma 947 W TraMlc Rd Lot 7 Mechamabu'O, P^ 110~~.40!16 Counlrywlde Account' "'.066 Plem~n 74 P1Ullnl Vltw OtlVe MechaNuburg. PA . Dcar LlIlda K Mumma The CommOflWull11 01 PC!M..y1vlln"l's HomeownC!I's EmC!rgcllcy M'.l4IU.U" Aui..l,lrl(;f ploO'am may be ..ble to help you. Read the folowvlg noocelo find ou1 how the prog,am WOlks If you neC!d mOfeltllormabon eal thr Pennsytvarua Houslf'tg Finance Agency al 1.800.)42.2397 La nobr,uclOn en adJl,I'llo es de suma impooancia, pues afecta to defecho a conlinua, vfviendo en IU CIISa. $i no complendr eI conlenido de esla notlrlCacion oblengil una ltadueclOn inmedlatamenle lamando a esla ageocia (Pennsylvania HOOSlOg Finance Agency) sin cargos al numtro mencionado arnba, Usled puede ser eleglble par. un preslamo del pfograma lamado ~omeowner's Emergency Morlgage AsSIStance P,oO,am- el cual puede salvar IU casa dela perdldol del derecho a redlmll' !to h.poleca ACT91 NOTICE IMPORTANT: ~OTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM PLEASE READ THIS NOTICE. YOU MAY BE EUGIBlE FOR FINANCIAL ASSISTANCE WH:CH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTOAGE PAYMENTS. You may br eligible for financial assistance that will prevent foreclosure on your mOr1gage If you comply with (he provisions of thr Homeowners' Emergency MOr1gage Assistance Act of '983 (the "Act"', You may br eligible 'or emergency lemporary assista!lce if your default hilS been caused by circumstances beyond your control, you have a reasonable prospect of resuming your mor1gage payments. and if you meet other eligibility requiremrnts established by the Pennsylvania Housing Finance Agency. Please read all of this Notice, It contains an explanation of your rights. Under the Act, you ale entitled 10 a lempofary stay of foreclosure on your mortgage for thirty.live (35) days from the dale of this Notice. CUfing thaI time you musl a"ange and atlend II .face.lo.face" meeting with a represenltltive of !his lender, or with a designaled consumer credit counseling agency. The purpose of lhis meeting is to allempt to work out a fepayment plan. Of 10 otherwise sellle your delinquency. This meeting must occur in the nex1thirty.five (35) days. If y~u altend a lace.la.face meeting With this lender, or wilh a consumer c,edit counseling agency identilied in this notice, no further ptoceeding in mortgage loreclosure may take place for thirty.flve (35) days after lhe date of !his meeting. The name, address and telephone numbe' of our representative is; COUNTRYWIDE. 400 Countrywide Way, Simi Valley, CA 93065-6298 Telephone Number: 1-800-669-6654. Extension 7556. The names and addlesses of designated consumer credit counseling agencies ate shown on the atlached sheet. It is only necessary 10 schedule one face.lo-Iace meeting. You should advise lhis lender immedialely of your intentions. Your mor1gage is in delaun because you have failed 10 pay promptly inslallments 01 principal and interest. as required. for a period of at leasl!.ixty (60) days. The lotal amount of the delinquency as ollhe dale of this lener is $2,378.15. Thai sum includes lhe foUo....;ng: Tolal of monthly payments from 12101/19981002128/1999 including aU accrued late charges, if any: PtopertYltlSpections and NSF check charges. if any: Olher charges accrued, it any: . LESS: Suspense (unapplied funds): TOTAL AMOUNT OF DELINQUENCY: $2,333.10 $10,00 $35,05 :JJ1!l $2,378.15 Pll!!ne Wf~e your loan numbe1 on aU checks and cOl'lespondenee. PENN91 7128197 9164066,4 linda K Mumma ,.PlllauntV_Ol_ $2,378.15 AS OF 2/0211999 P.O. Box 10219 Van Nuys. CA 91410.0219 11.lllll.lllllll.lllllllllllllllllll.llllblllll.III.llllllIlI :~;i~',~ j..,~.~~ ..:'~. 916406640002378150237815 ,\ .~'!ll:ll~j'(.: .',J.",...,Ij,. .~.oIt!'ll': " ":,\11 (:,': ~',:': -l .10';'::' ;' ,.,~<~I..I:.~ /';''> ~; . ',...=.,.' ~j.;~t. ,., t PIt..e be .dYrHd lhil lie lolal .mOl.nt _.. 01 fie d.le 01 It.... I~"er. and addlbonll amounb m.y become 4Ie Ir ~ dfl....~rMI. YeMa' mor1g.g!!.. '''0., del.utI for IN loIoYMg rutoM II you h.y. tr..d Ind lIe UNbfe 10 IfsotYe ltwI problem al or In~1 your face.lo.fau meelng, you ~ye ~e rigtlllO 1m 'Of rNIncl.1 ,.",tance "om the Homeownef.' Emergency MOf1Q"Ul!' A,s.rslance Fund In Ol'd~ 10 do hi, yw must r. out, Iign and liIe a completed Homeownefl' Emergency A.I>i,lance Appllcabon WIth one 01 the de"'gtl.led consumer Ctedll courllellng 'gencu~, bl.d on lt1e .lIaehmenl. hi applleallon fOf llhtslaneo m.y ONy be obl.ined "om .. coolUme' aedlt cooouhna .oency WIII,...I you 10 rooO out your appllcftbOn and MllUbmll 'tout compieled ,pplicahol'l 10 ~ PeM')fY.n1a HoUSing Finance Agency. YOOI application mu:.1 be filed of poslmalked, wiltw\ Ihitty-rrve (35) d'yt 01 YOtlI.ce lo.llCe mcellng "I, extremely mport.1nt th., you filt your .ppllcahon prompUy. If you do nol do so, or if you do not fonow Ihe other Ume period, stl rorth In this len." loreclosure mOly proceed agalnsl your home imnwdlalely. Ay...b1e 'unds lor emergency mortgage asSlSlance are yery hmiled. They will be di1bt.tsed by the Agency under the elgiblkty ctllfn. eSlabkhed by !he Acl II it eweme1y lfFIporl.Jnl !hat your .Jpplicalion it .Jc!:Ulale and !:omplele III every 1esped. Th~ P~nnsytYa,,;., Housing Fin.nce Agency has sixty (60) days 10 make a decision aller it ,eCIINes you, application. Ourllg thai 3ddlllonallime, no foreclosure procee!Jinos WIn be pursued .gaiMI you if you have met the lime requirements set forth aboye_ You WIll be nobl'led directly by that Agemy of Its deC:ISIOn on yOUf applicalion The PeMsytvaf'll1l HOU$lOg Finance Agency IS located al 2101 North Front Slreet, Posl Office Bo. 8029, Harrisburg, Pennsytvlf'lll 17105 Telephone No. (717) 780.3800 Of 1.800.342.2397 (lOa Iree number). Persons Wllh impaired healing Cln ca. 1.800.342.2397, In addition you may receive another notice Irom!his lender under Ad6 of 1974. Thai nollCe is caned -Nolice ollnlenlion 10 Foreclose-. You must read both nobces, since they both eJplain righls !hat you now hav~ under Pemsytvania law However, if you choose to eJercise your rights descllbed in lhis notice, you cannol be loreclosed upon Ivhlle you are fec:eiving thai assistance. Very tJuIy yours, fjt..ia Jl::."'"~.,,..~ By: Gloria Kwiatkowski Loan COl.l1selor 1.800-669.665., Extension 7556 Attention; Gloria Kwiatkowski Loan No.: 916.066 Senl by Regular Mail. Certificate of Ma~ing (PS Form 3877) If your loan was in defautl at the time that it was acquired by Countrywide, please be advised ollhe following: 1. Countrywide is a debt colleelol, we are attempting to collect a debt, and any inform~lion Countrywide obtains will be used lor thai purpose. 2. The amount currenUy owed to Counltywide is S2,378.15 (there may be other aCClued interest, costs and eJpenses). Unless you, within thirty (30) days after receipt of this lelter, dispule Ihe validity of the debt owed Of any portion of this debl, we will assume the amounllo be valid. If you notify us in 'M'iting within this thirty (30) day time frame thai you dispute ~he debt or any portion of the debt, we will oblaln verification of Ihe debt and mail it to you and, il you so request, provide you with the name and address of the original creditor if it is different from the current credItor. Please direct any wrinen ilispules 10 !he following address: Countrywide Home Loans, Inc. Collect/oost MS SV.J4 Attention: Research Counselor P,O. Bar 10221 Van Huys, CA 91410.0221 " .-. .: ':?~f~~j~:~:~: '-<':":' ~". '. ,.. " ,,~:.. r,:. ~. ~.f;. (,,:~..:;;~t.~~~;;:;. ',.. .".,.~''''L;,,,.~':.!.'~,i; ..... s-ndl'.,"*",1O PO 1>>. 101.0 V." Mt~. CA iIU()011t ACT 9' NOIICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE ., February 2. 1999 ::f'nl tl~ Corltfitld MalllRelurn Rt'ct'tpf R('('juuttd ThIs Dale Linda K Mumma 71, Pleasanl View Dnve Mer.hanlc.sburg. PA 11055.??oo Ottar UlwJa K MUlllma Counlrywldo Accounl' '1"OGl PII'IIUln 74 flluunl VieW OUVI' "'etNOlClburg, PA . The Commonwealth 01 PeM!..,tv,,",a., HomeO\lr!'fle", Emr'grney Morto.ge A"isl.nce ploOf"m may be atM 10 ~ you. Read the foloWWlg nobce 10 fnd out how the program work, It you need more inlormabon callhe Pennlytyal1l' tlOtMlg F.""nce Agency al , .800.342.2397 La nolificacion en ad,unto es de sum. ItnpOltanci.1. pun afrtla ~ de-rrcho a conbnuaJ vMendo en '" cas. ~ no complende 1'1 conlenido de esla noliflCaCKm oblenga lXlI lIaduccM)n inmedialamente .am.ndo . e,ta .genel' (Pemsytvania Housing Finilnce Agency) ,on citrgos .1 numrlo menclon.3do a/llba U,fed puede spr e-1t'QIbJe pal. un presfamo der prOOtama Wamado riomt'owner's Emergenty Morlgage Asslst.lnCI! Program. 1'1 cua! puede salv"t 'U cala de 1.1 perdida del deretho a rrd/mir su tlipoleca 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 PAYMENlS. You may be eligible for linanci.11 assistance thai Will prevent loreclosure on your mortg.ge if you comply with the provisions of the Homeowners' Emergency Mortgage Assistance Act 0' 1983 (I he "ACI"). You may be eligible for emergency temporary assistance if your default has been c.1used by circumstances beyond your conlrol, you have a reasonable prospecl of resuming your mortg.1ge payments, and if you meel olher eligibilily requirements established by the Pennsylvania Housing Finance Agency. Pluse read all 01 this Notice. II contains an expl..nalion of your rig his. Under the Act. you are enblled 10 a lemporary slay of fotrrlosure on yOUf mortgage lor thirty-fIVe (35) days Irom the dale of this Notice. During thai lime you musl arrange and anrfld a .'ace.lo.race" meebng ~th a re-presentalive of Ihi1lender. or Wllh a designaled consumer ctedll counseling agency The purpose 01 this meeting is 10 anempt 10 work out a repayment plan, ot 10 olherwise settle yaw dellnquency. This meebng musl occur in the nert thirty.flVe (35) days. If you attend a face-la-face meeling with this lendet, ot with a consumer credit counseling agency idenbfied in !his nOlice, no lurther proceeding in mortgage fotectost/re lIIay lake place lor Ihirty.fIVe (351 days arter the dale of !his meeting, The name. address and lelephone number 0' our tepresenla!ive is: COUNTRYWIDE, 400 Countrywide Way, Sim! V~lIeYI CA 93Q65.(j298 Telephone Number: 1-800~69~654, Exlension 7556. Tt'je names and addresses of designaled const/mrr credit counseling agencies are shown on the attached sheel. II is onty necessary to schedule one race-Io-tace meeling. You should advise this lender immedialely of your inlenlions. Your mortgage is in defaull because you have lailed 10 pay prompUy inslallmenl, 01 principal and inlerest. as required, for a period or alleasl sixty (SO) days. The lolal amounl 01 the delinquency as or Ihe dale 01 this letter is $2.378. t5. Thai sum includes the foUowing: Tofal of monthly paymenls Irom 12101/19981002128/1999 including all accrued lale charges. il any: Property it:lspections and NSF check charges. if any: Other charges accrued. if any: LESS: Suspense (unappHed funds): TOTAL AMOUNT OF OELlNQUENCY: $2.333.tO $10,00 $35,05 :..LQQ $2,378,1$ P1eas.e write your Ioa""umbefon aN thecks and COffes.pondence PENN917l28197 9164066.4 LindaJ(u..mma 1~ Pr.alolnl V'- 01_ $2.378.15 AS OF 2102/1999 916406640002378150237815 '~t~~9.".l '.'.'.'.,"'1' ri . '.'-'1~ '," ", . ,u~f.~l ,.."~~..,,............,~ . '}".':r'1~ ::".'<:j'.!':i.k.~~~: P.O. Box 10219 Van Nuys. CA 91410-0219 1I.111I1I1!.I1I11II11II1II1I1I1II11111.l1I111I1II1II.l1I1I11.I " ,',. " ;-~- '1"',1( -"..r(:" 'i,,".'" "', - .\~: ;., .1' 'c':'~{n~,~'... ':"~l~il'JlIIf "~r..,lI'. ~_.II'''f'''''''''1 "011,..10/11 ",...,..,..'04""111"'" ACT91 NOTICE TAKr. ACTION TO 5AVr. YOUR flOME FROM FORECLOSURE , IIllfU4'Y I I\,IIJ\I Sent by eMIr/ad MIIl/R~lurn Retelpl RequeSled Ttus O.le Ottnn" WllIlalll Mum"'. Gftl W fflfltll., Ud toll ModlitIlIC$htlfO. PA 110!..,.40se 0811 Oenlll\ Wdho1m Mum,".1 Counlrywide Account' '1'.061 P,cml\el' 74 P1eaul'll VIeW Ot'iye Mecha~g. PA U.. COltlfllllllWC.lth 01 PeM'ytvaru', Homeowne,', (mergency MOlloaae AsW\laoce p,ogtlm may be .blt 10 ht'1p you Re..d Ihl1lollowng notICe 10 find out how the plogram works If you nt'ed mOle "llOfmallon C.lllhe Pentl$ytvanlol ttOUVlg Finance Agency .11.800.342.2397. La noblicacion en adJUl'lIO as de suma tmportanclol, putS a'ecta su de/echo" continua, vwndo en su en. Si no compumde el conlel'\ldo de esla nollrl(i)cioo oblen!). una If'aducClon inmedialamenle ..mando , esl. 'genaI (pcmsytvania Housing FlNnce Agency) SIn C;fI!JOS al numero men.::lOOado amba Usled puede ser C'legeb*e p.r. un pI~Slolmo del programa lamado ~omC'owne"s Emergency Mortgage AsSIStance Program" el eual puede Ioatvar so CIIU de I. pt'fdldd del derecho a 'edlm" 50 hlpoteca ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROORAM PLEASe READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTOAOE PAYMENTS. You may be eligible for financial assislance Ihal Will prevenl foreclosure on your mortgage if you comply With (he provisions of the Homecwners' Emergency Mortgage Assistance Acl of 1953 (I he "ACIH). You nlay be eligible for emergency temporary assislance if your default has been caused by circumstances 'Jeyond your control, you have a reasonable prospect of resumina your mortgage payments, and it you meel other eligibility requirements established by the Pennsylvania Housing Finance Agency, Please read all of this Notice. It contains an explanation of your rights. Under the Act, you are enlitled to a temporary slay of foreclosure on your mortgage for thirty. five (35) days from the date of Ihis Notice. During that time you must arrange and attend a "face-Io.face" meeting WIth a representative of thiS lender, or WIth a designated consumer credit counseling agency. The purpose of this meeting is 10 a"emptlo work out a repaymenl plan, or to otherwise sertle your deltnquency This meeting musl occur in the nex1 thirty. five (J5) days. If yo" attend a face.lo.face meeting with Ihis lender, or with a consumer credit counseling agency idenlified in this nolice, no further proceeding in mortgage foreclosure may take place for thirty.five (35) days after the 031e 01 this meeting. The name, address and lelephone number of our representative is: COUNTRYWIDE, 400 Countrywide Way, Simi Valley. CA 93065-6298 Telephone Number: 1-800-669-6654, Extension 7556. The names and addresses of designated consumer credil counseling agencies are shown on the attached sheet II is oilly necessary 10 schedule one face.lo.face meeting. You should advise this lender immediately of your inlentions. Your mortgage is in default because you have failed to pay promplly installmenls 01 principal and interes!. as required, for a period of at least sixty (60) days. The total amount of the delinquency as of the dale of this letter is $2,378.1 S. Thai sum includes the following: Total of monthly payments from 12/0111998 to 02128/1999 including all accrued late charges, if any: Propertyjnspections and NSF check charges, if any: Other charges accrued, if any: .LESS: Suspense (unapplied funds): TOTAL AMOUNT OF DELlNOUENCY, 52,333,'0 $10.00 $35,05 :..L2!! $2,378,15 Please W1"~1l 'fOOl" loan numbel on ad checks and corrnpondl!nce PENN917128/91 9164066-4 OeM;. W,II;am Mlmnla HPl.;Il101nlV'iewOr.... $2,378.15 AS OF 2/0211999 P.O. Box 10219 Van Nuys, CA 91410-0219 IJ.lllllllMIIIIIIIIIIUlllullIlllmlll.lulIllllllllullll 916406640002378150237815 ,\ '.f",~':j.lt : ~~1.'iV..,~~. . .....f"r..:. ... .1,." .,.j ~.". < .10',', . ,\ :.;. ,..,.