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HomeMy WebLinkAbout99-04410. u T 3 0 Z f `1 Axel A. Shield, II, Esquire I.D. No. 17440 Stephen M. Hladik, Esquire I.D. No. 66287 CAPLAN & LUBER, LLP 40 Darby Road Paoli, PA 19301 Telephone: 610-640-1200 Fax: 610.640.9865 THE BANK OF NEW YORK AS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT DATED AS OF FEBRUARY 29, 1996, SERIES 1994-A, PLAINTIFF, IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA V. DERK E. ROBERTS, JANET L. ROBERTS and KIMBERLY A. ROBERTS f/k/a KIMBERLY A. BARRETT, DEFENDANTS. CIVIL ACTION MORTGAGE FORECLOSURE COMPLAINT - CIVIL ACTION NOTICE TO DEFEND NOTICE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are wamed that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim of relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Court Administrator 4th Fl., Cumberland County Courthouse Carlisle, PA 17013 (717) 240-6200 AVISO LE HAN DEMANDADO A USTED EN LA CORTE. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demands y la notificacion. Hace falta asentar una comparencia escrita o en persona o con un abogado y entregar a la corte en forma escrita sus defensas o sus objecciones a Ias demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notificacion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisions de esta demanda. Usted puede perder dinero o sus edades u otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO VAYA EN PERSONA O LLAME POR TELFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTANCIA LEGAL. Court Administrator 4th Fl., Cumberland County Courthouse Carlisle, PA 17013 (717) 240-6200 Axel A. Shield, II, Esquire I.D. No. 17440 Stephen M. Hladik, Esquire I.D. No. 66287 CAPLAN & LUBER, LLP 40 Darby Road Paoli, PA 19301 Telephone: 610-640-1200 Fax: 610.640-9865 THE BANK OF NEW YORK AS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT DATED AS OF FEBRUARY 29, 1996, SERIES 1994-A, IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO: 9f. Vq PLAINTIFF, V. DERK E. ROBERTS, JANET L. ROBERTS and KIN[BERLY A. ROBERTS f/k/a KIMBERLY A. BARRETT, DEFENDANTS. CIVIL ACTION MORTGAGE FORECLOSURE COMPLAINT IN MORTGAGE Plaintiff, The Bank of New York as Trustee under the Pooling and Servicing Agreement dated as of February 29, 1996, Series 1994-A, brings this action in mortgage foreclosure upon the following cause of action: 1. Plaintiff, The Bank of New York under the Pooling and Servicing Agreement dated as of February 29, 1996, Series 1994-A ("Plaintiff'), is a corporation with a principal place of business c/o The Money Store, 4111 South Darlington, Suite 800, Tulsa, Oklahoma 74135. 2. The last known address of Derk E. Roberts, Janet L. Roberts, and Kimberly A. Roberts f/k/a Kimberly A. Barrett, Defendants is: 13 West Pine Street, Mount Holly Springs, Pennsylvania 17065. FADOCS11 513%150 ROBTLEADINOCNFLT . DOC rxrk E. Roberts, Janet L. Roberts and Kimberly A. Roberts f/k/a Kimberly A. Barrett executed a mortgage with TMS Mortgage Inc., d/b/a The Money Store, on January 25, 1996 (the "Mortgage"), in the amount of $51,000.00, which Mortgage was recorded with the Recorder of Deeds of Cumberland County on February 2, 1996 in Mortgage Book 1301,at Page 1000. The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. No. 1019(8). A true and correct copy of the Mortgage is attached hereto and marked as Exhibit "A" and is incorporated herein by reference as though fully set forth at length. 4. TMS Mortgage Inc., d/b/a The Money Store assigned all right, title and interest in the Mortgage to The Bank of New York as Trustee under the Pooling and Servicing Agreement dated as of February 29, 1996, Series 1994-A, which assignment was recorded in the Recorder of Deeds Office for the County of Cumberland on May 6, 1997, in miscellaneous Book 546 at Page 1053. Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the legal successor in interest to the original mortgagee, or is the present holder of the Mortgage by virtue of the above-described assignments. 6. Mortgagors named in paragraph 3 above, Derk E. Roberts and Kimberly A. Roberts f/k/a Kimberly A. Barrett executed a note as evidence of the debt secured by the Mortgage (the "Note"). A true and correct copy of the Note is attached hereto and marked as Exhibit "B" and is incorporated herein by reference as though fully set forth at length. 7. The real property which is subject to the Mortgage is generally known as 13 West Pine Street, Borough of Mount Holly Springs, Cumberland County, Pennsylvania (the "Mortgaged Premises"). The legal description of the Mortgaged Premises is attached hereto and marked as Exhibit "C" and is incorporated herein by reference as though fully set forth at length. 8. The interest of each individual Defendant is as Mortgagor, Real Owner or both. 9. If any Defendant above-named is deceased, this action shall proceed against the deceased Defendant's heirs, assigns, successors, administrators, personal representatives and / or executors through his / her estate. 10. The Mortgage is in default because the monthly payment of principal and interest and other charges stated below, all as authorized by the Mortgage, are due as of November 1, 1998 and have not been paid, and upon failure to make such payments when due, the whole of the principal, together with the charges specifically itemized below are immediately due and payable. 11. The following amounts are due as of June 7, 1999: Principal of Mortgage debt due and unpaid ............... ...... $47,010.89 Interest due and owing as of June 7, 1999 at 11.49%, $15.00 per diem .......................... ........ 3,735.00 Late Charges of $29.77 per month assessed on the 11th day after payment is due ............. ......... 208.39 Corporate advance ................................. ......... 100.00 Accrued Return Check Charges ....................... .......... 15.00 Recordation of Release .............................. .......... 14.00 Attorneys' fees .................................... ......... 800.00 Title Report ...................................... ......... 325.00 TOTAL ......................................... ...... $2.20828 12. Interest accrues at a per diem rate of $15.00 and late charges accrue at a monthly rate of $29.77 assessed on the 11th day payment is past due for each date after June 7 , 1999 that the debt remains unpaid, and Plaintiff may incur additional attorneys' fees and costs as wel l as other expenses, costs and charges collectable under the Note and Mortgage. 3 13. The original principal balance of the Mortgage exceeded Fifty Thousand Dollars ($50,000.00). Therefore, Notice of Intention to Foreclose pursuant to 41 P.S. § 403 was not required. 14. Notice pursuant to the Homeowner's Emergency Mortgage Assistance Act of 1983, 35 P. S. § 1680.402c, t se ., was sent to each individual Mortgagor by first-class mail on May 6, 1999. A true and correct copy of said notice is attached hereto and marked as Exhibit "D" and is incorporated herein by reference as though fully set forth at length. 4 WHEREFORE, Plaintiff demands judgment against Defendants Derk E. Roberts, Janet L. Roberts, and Kimberly A. Roberts VWa Kimberly A. Barrett, jointly and severally, for foreclosure and sale of the Mortgaged Premises in the amounts due as set forth in paragraph 11, namely $52,208.28, plus the following amounts accruing after June 7, 1999, to the date of judgment: (i) interest at a per diem rate of$15.00; (ii) late charges of $29.77 per month, assessed on the 11th day payment is past due; and (iii) additional attorneys' fees hereafter incurred and costs of suit. CAP N 77L 11ah 0 Axel . Shi Id, II, Esquire Date: -? - , CI - CI GI UNLESS YOU NOTIFY US IN WRITING WITHIN THIRTY (30) DAYS AFTER RECEIPT OF THIS LETTER THAT THE DEBT, OR ANY PART OF IT, IS DISPUTED, WE WILL ASSUME THAT THE DEBT IS VALID. IF YOU DO NOTIFY US OF A DISPUTE, WE WILL OBTAIN VERIFICATION OF THE DEBT AND MAIL IT TO YOU. ALSO UPON YOUR WRITTEN REQUEST WITHIN THIRTY (30) DAYS, WE WILL PROVIDE YOU WITH THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR IF DIFFERENT FROM THE CURRENT CREDITOR. THIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. G I? I HECORDEROF "E'DS 7'd EnL;.'Ju COUNTY-F4 After recording ram to: The Money Store - Packaging P.O. Box 160128 Sacramento, CA 95816.0128 '96 FEB, 2 PM 2 31 MORTGAGE 035.103.00002170.5 THIS MORTGAGE ("Security Instrument') is made this Twenty-fifth Day of January, 1996 between the Mortgagor, Derk E. Roberts And Kimberly A. Roberts ov4 K,M c;.?? 1 A n.iAef.r?>< _vW..+ C Rrt?.ae j (herein "Borrower"), and the Mortgagee,TMS Mortgage Inc. , dba The Money Store which is organized and existing under the laws of New Jersey and whose address is 4660 Trindle Road, Suite 1002, Shiremanstown, PA 17011 (herein "Lender"). WHEREAS, Borrower is indebted to Lender in the principal sum of Fifty-One Thousand and 00/100 Dollars (U.S. s 51, 000.00 ) together with interest, which indebtedness is evidenced by Borrower's note dated January 25, 1996 (the "Note"), providing for monthly installments of principal and interest, with the balance of the indebtedness, if not sooner paid, due and payable on February 1, 2011 TO SECURE to Lender the repayment of the indebtedness evidenced by the Note, with interest thereon; extensions and renewals of the Note; the payment of all other sums, with interest thereon, advanced in accordance with this Security Instrument to protect the security of this Security Instrument; and the performance of the covenants and agreements of Borrower contained in this Mortgage, Borrower does hereby mortgage, grant and convey to Lender, the following described property located inCumberl and County, Pennsylvania: (SEE EXHIBIT 'A' ATTACHED) being the same property commonly known as: 13 West Pi ne St, Mt Hol l y Spri ngs, PA 17065 ("Property Address"). PENNSYLVANIA MORTGAGE iaso+i Original - File M002-IPA P"o I of 7 koUr 1301 r:i1000 EXHIBIT 5 TOGETHER with all the improvements now or hereafter erected on the property, and all easements, rights, appurtenances and rents, all of which shall be deemed to be and remain a pan of the property covered by this Security Instrument. All of the foregoing, together with such property (or the leasehold estate if this Security Instrument is on a leasehold) are called the "Property." Borrower covenants that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property, and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and covenants that Borrower will defend generally die tide to the Property against all clamis and demands, subject to encumbrances of record. Borrower further warrants, represents and covenants as follows: 1. Payment of Principal and Interest. Borrower shall promptly pay when due the principal and interest indebtedness and all other charges evidenced by the Note. 2. Funds for Taxes and Insurance. If required by lender, and subject to applicable law. Borrower shall pay to Lender on the day monthly payments are due under the Note, until the Note is paid in full, a sum ("Funds') for: (a) yearly taxes and assessments which may attain priority over this Security Instrument as a lien on the Property; (b) yearly leasehold payments or ground rents on the Property, if any; (c) yearly hazard or property insurance premiums; (d) yearly flood insurance premiums, if any; and (e) yearly mortgage insurance premiums, if any. These items are called "Escrow Items." Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amount a tender for a federally related mortgage Joan may require for Borrower's escrow account under the federal Real Estate Settlement Procedures Act of 1974, as amended from time to time, 12 U.S.C. Section 2601 er seq. ("RESPA"), unless another law that applies to the Funds sets a lesser amount. If so, Lender may, at any time, collect and hold Funds in an amount not to exceed the lesser amount. Lender may estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with applicable law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is such an institution) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items. Lender may not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow items, unless Linder pays Borrower interest on the Funds and applicable law permits Lender to make such a charge. However, Lender may require Borrower to pay a one-time charge for an independent real estate tax reporting service used by Lender in connection with this loan, unless applicable law provides otherwise. Unless an agreement is made or applicable law requires interest to be paid, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender may agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds, showing credits and debits to the Funds and the purpose for which each debit to the Funds was made. The Funds are pledged as additional security for all sums secured by this Security Instrument. If the Funds held by Lender exceed the amounts permitted to be held by applicable law, Lender shall account to Borrower for the excess Funds in accordance with the requirements of applicable law. If the amount of the Funds held by Leader at any time is not sufficient to pay the Escrow Items when due, fender may so notify Borrower in writing, and, in such case Borrower shall pay to Lender the amount necessary to make up the deficiency. Borrower shall make up the deficiency in no more than twelve monthly payments, at Lender's sole discretion. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. If, under Paragraph 18, Lender shall acquire or sell the Property, Lender, prior to the acquisition or sale of the Property, shall apply any Funds held by Lender at the time of acquisition or sale as a credit against the sums secured by this Security Instrument. 3. Application of Payments. All payments of principal and interest received by Lender shall be applied as provided in the Note. If Borrower owes Lender any late charges, or other fees or charges ('other charges"), they will be payable upon demand of Lender. Unless prohibited by law, the application of payments may be affected by the imposition of other charges. Therefore, payments of other charges, whether paid to Lender in addition to the monthly payment or separately, will be applied in a manner at the absolute discretion of the Lender. Borrower agrees that Lender may apply any payment received under Paragraphs I and 2, either first to amounts payable under Paragraph 1, or first to amounts payable under Paragraph 2. PENNSYLVANIA MORTGAGE,ssou original - File 9L'^s 1301 ;A,A ffll M002.2PA o.,. 2 C. 7 035-103-00002170-5 4. ' Poor Mortgages and Deeds of Trust; Charges; Liens. Borrower shall perform all of Borrower's obligations under any mortgage, deed of trust or other security agreement with a lien which has priority over this Security Instrument, if any, including Borrower's covenants to make payments when due. Borrower shall pay or cause to be paid all taxes, assessments and other charges, fines and impositions attributable to the Property which may attain a priority over this Security Instrument, and leasehold payments or ground rents, if any.' 5. Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fat:, hazards included within the term "extended coverage,,, flood and any other hazards as Lender may require, from time to time, and in such amount and for such periods as Lender may require. The insurance carrier providing the insurance shall be chosen by Borrower subject to approval by Lender; provided that such approval shall not be unreasonably withheld. If the Borrower fails to maintain the coverage described above. Lender may, at its option, obtain coverage to protect its rights on the Property in accordance with Paragraph 8. All insurance policies and renewals thereof shall be in a form acceptable to Lender and shall include a standard mortgage clause in favor of and in a form acceptable to Lender. Lender shall have the right to hold the policies and renewals thereof, subject to the terms of any mortgage, deed of trust or other security agreement with a lien which has priority over this Security Instrument. If any insurance proceeds are made payable to Borrower, Borrower shall promptly pay such amounts to Lender, including, without limitation, the endorsement to Lender of any proceeds made by check or other draft. Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or repair of the Property damaged, if the restoration or repair is economically feasible and Lender's security is not lessened. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due. with any excess paid to Borrower. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in Paragraphs I and 2 or change the amounts of the payments. If under Paragraph 18 the Property is acquired by Lender, Borrower's right to any insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument immediately prior to the acquisition. The provisions of this Paragraph 5 concerning the payment, disbursement or application of insurance proceeds shall apply to any insurance proceeds covering the Property whether or not (i) Lender is a named insured, (ii) the policy contains a mortgage clause, or (iii) Lender has required Borrower to maintain the insurance. Borrower authorizes and directs any insurer to list Lender as a loss payee on any payment of insurance proceeds upon Lender's notice to insurer of Lender's interest in the insurance proceeds. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. If the Property is abandoned by Borrower, or if Borrower fails to respond to Lender within 30 days from the date notice is mailed by Lender to Borrower that the insurance carrier offers to settle a claim for insurance benefits, Lender is authorized to collect and apply the insurance proceeds at Lender's option either to restoration or repair of the Property or to the sums secured by this Security Instrument. 6. Preservation and Maintenance of Property; Leaseholds; Condominiums; Planned Unit Developments. Borrower shall keep the Property in good repair and shall not commit nor permit waste or impairment or deterioration of the Property. Borrower shall not do anything affecting the Property that is in violation of any law, ordinance or government regulation applicable to a residential property, and Borrower shall comply with the provisions of any lease if this Security Instrument is on a leasehold. If this Security Instrument is on a unit in a condominium or a planned unit development, Borrower shall perform all of Borrower's obligations under the declaration or covenants creating or governing the condominium or planned unit development, the by-laws and regulations of the condominium or planned unit development, and constituent documents. Unless Lender and Borrower otherwise agree in writing, all awards, payments or judgments, including interest thereon, for any injury to or decrease in the value of the Property received by Borrower will be used to restore the Property or applied to the payment of sums secured by this Security Instrument, whether or not then due, with any excess paid to Borrower. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in Paragraphs I and 2 or change the amounts of the payments. Borrower agrees that in the event an award, payment or judgment includes compensation for both injury or decrease in the value of the Property and compensation for any other injury or loss, the total amount of such award, payment or judgment PENNSYLVANIA MORTGAGE isso,r Original • - File M002.3PA o.,. 3 .1r 035-103-00002170-5 eco? 1301 ??-cE 1002 shall be deemed compensation with respect to the Property and Borrower hereby consents to Lender's intervention into any proceedings regarding the Property. 7. Loan Application Process. Borrower shall be in default under this Security Instrument, if Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material information directly bearing on Lender's decision to extend credit to Borrower), in connection with the loan evidenced by the Note. 8. Protection of Lender's Rights in the Property. If Borrower fails to perform the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lender's rights in the Property (such as a proceeding in bankruptcy, probate, for condemnation, forfeiture, or to enforce laws or regulations), then Lender may do and pay for whatever is necessary to protect the value of the Property and Lender's rights in the Property. Lender's actions may include paying any sums secured by a lien which has priority over this Security Instrument, appearing in court, paying reasonable attorneys' fees and entering on the Property to make repairs or abate nuisances. Although Lender may take action under this Paragraph 8, Lender does not have to do so. The right of Lender to protect Lender's rights in the Property shall include the right to obtain at Borrower's expense, property inspections, credit reports, appraisals, opinions of value or other expert opinions or reports, unless prohibited by law. Any amounts disbursed by Lender under this Paragraph 8 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon demand of Lender. The Borrower's obligation to pay the amounts advanced by Lender under this Paragraph 8 shall continue in full force and effect after the entry of any judgment in mortgage foreclosure or a judgment on the Note. 9. Mortgage Insurance. If Lender required mortgage insurance as a condition of making the loan secured by this Security Instrument, Borrower shall pay the premiums required to maintain the insurance in effect until such time as the requirement for the insurance terminates in accordance with Borrower's and Lender's written agreement or applicable law. 10. Inspection. Lender may make or cause to be made reasonable entries upon and inspections of the Property, provided that Lender shall give Borrower notice prior to any such inspection specifying reasonable cause therefor as related to Lender's interest in the Property, 11. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of the Property, or part thereof, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender, subject to the terms of any mortgage, deed of trust or other security agreement with a lien which has priority over this Security Instrument. In the event of a total taking of the Property, the proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Borrower. In the event of a partial taking of the Property in which the fair market value of the Property inunediately before the taking is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the taking, unless Borrower and Lender otherwise agree in writing, the sums soured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the taking, divided by (b) the fair market value of the Property immediately before the taking. Any balance shall be paid to Borrower. In the event of a partial taking of the Property in which the fair market value of the Property immediately before the taking is less than the amount of the sums secured immediately before the taking, unless Borrower and Lender otherwise agree in writing or unless applicable law otherwise provides, the proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the condemnor offers to snake an award or settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the proceeds, at its option, either to restoration or repair of the Property or the sums secured by this Security Instrument, whether or not then due. Unless Lander and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referrers to in Paragraphs I and 2 or change the amount of such payments. PENNSYLVANIA MORTGAGE 1ason Original - File .")?K1301 ; -v. j 003 M002.4PA P., 4,1 , 035.103-00002170.5 12: Borrower Not Released; Forbearance By Lender Not a Waiver; Acceptance of Partial Payment, Extension of the time for payment or modification of amortization of the suns secured by this Security instrument granted by Lender to Borrower or any successor in interest of Borrower shall not operate to release, in any manner, the liability of the original Borrower and Borrower's successors in interest. Leader shall not be required to commence proceedings against such successor or may refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower and Borrower's successors in interest. Any forbearance by Lender on one or more occasions in exercising any right or remedy hereunder, or otherwise afforded by applicable law, shall not be a waiver of or preclude the later exercise of that or any other right or remedy. Lender may accept partial payments from Borrower, without waiving or forbearing any of its rights under this Security Instrument or under the Note even if such payments are notated as a payment in full, or with a notation of similar meaning. 13. Successors and Assigns Bound; Joint and Several Liability; Signers. The covenants and agreements herein contained shall bind, and the rights hereunder shall inure to, the respective successors and assigns of Lender and Borrower, subject to the provisions of Paragraph 17 hereof. All covenants and agreements of Borrower shall be joint and several. Any Borrower who signs this Security Instrument, but does not execute the Note: (a) is signing this Security Instrument only to mortgage, grant and convey that Borrower's interest in the Property to Lender under the terms of this Security Instrument, (b) is not personally liable on the Note or under this Security Instrument. and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrower's consent. 14. Notice. Except for any notice required under applicable law to be given in another manner: (a) any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing such notice by first class mail addressed to the Property Address or to such other address as Borrower may designate by notice to Lender as provided herein, and (b) any notice to Lender shall be given by first class mail to Lender's address stated herein or to such other address as Lender may designate by notice to Borrower as provided herein. Any notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given in the manner designated herein. 15. Governing Law; Severability. The state and local laws applicable to this Security Instrument shall be the laws of the jurisdiction in which the Property is located. The foregoing sentence shall not limit the applicability of federal law to this Security Instrument. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision, and to this end, the provisions of this Security Instrument and the Note are declared to be severable. As used herein, "costs,* 'expenses" and "attorneys' fees" include all sums to the extent not prohibited by applicable law or limited herein. 16. Borrower's Copy. Borrower shall be furnished a copy of the Note and of this Security Instrument at the time of execution or after recordation hereof. 17. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the daze the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notirc or demand on Borrower. 18. Acceleration; Remedies. Except as provided in Paragraph 17 hereof, upon Borrower's breach of any covenant or agreement of Borrower in this Security Instrument, including the covenants to pay when due any sums secured by this Security Instrument, Lender prior to acceleration shall give notice to Borrower as provided in Paragraph 14 hereof specifying: (1) the PENNSYLVANIA MORTGAGE 19501) Original - File MO02-EPA P,a 5.1r 035.103.00002170.5 Soot .1301 PACE 1001 breach; (2) the action required to cure such breach; (3) a date, not'less than 30 days from the date the notice is mailed to Borrower, by which such breach must be cured; and (4) that failure to cure such breach on or before the date specified in the notice may result in acceleration of the suns secured by this Security Instrument or foreclosure by judicial proceeding. The notice shall further inform Borrower of the right to reinstate-this Security Instrument after acceleration and the right to bring a court action or to assert in the judicial proceeding the nonexistence of a default or any other defense of Borrower to acceleration and foreclosure. If the breach is not cured on or before the date specified in the notice, Lender, at Lender's option may declare all of the sums secured by this Security Instrument to be immediately due and payable without further demand and may foreclose this Security Instrument by judicial proceeding and any other remedies permitted by applicable law. Lender shall be entitled to collect all expenses of foreclosure, including, but not limited to, reasonable attorneys' fees, coup costs, and costs of documentary evidence, abstracts and tide reports, even if the breach is cured prior to the completion of any foreclosure. Borrower agrees that the interest rate payable after judgment is entered on the Note, or in an action of mortgage foreclosure, shall be the rate payable from time to time under the Note. 19. Borrower's Right to Reinstate. Notwithstanding Lender's acceleration of the sums secured by this Security Instrument due to Borrower's breach, Borrower shall have the right to have any proceedings begun by Lender to enforce this Security Instrument discontinued up to one hour prior to sale of the Property if: (a) Borrower pays Lender all sums which would be then due under this Security Instrument and the Note had no acceleration occurred; (b) Borrower cures all breaches of any other covenants or agreements of Borrower contained in this Security instrument; (c) Borrower pays all reasonable attorneys' fees, trustees' fees and court costs; and (d) Borrower takes such action as Lender may reasonably require to assure that the lien of this Security Instrument, Lender's interest in the Property and Borrower's obligation to pay the sums secured by this Security Instrument shall continue unimpaired. Upon such payment and cure by Borrower, this Security Instrument and the obligations secured hereby shall remain in full force and effect as if no acceleration had occurred. This right to reinstate shall not apply, however, in the case of acceleration pursuant to Paragraph 17. 20. Assignment of Rents; Appointment of Receiver. As additional security hereunder, Borrower hereby assigns to Lender the rents of the Property, provided that Borrower shall, prior to acceleration under Paragraph 18 hereof or abandonment of the Property, have the right to collect and retain such rents as they become due and payable. Upon acceleration under Paragraph 18 hereof or abandonment of the Property, Lender, in person, by agent or by judicially appointed receiver, shall be entitled to enter upon, take possession of and manage the Property and to coliect the rents of the Property including those past due. All rents collected by Lender or the receiver shall be applied first to payment of the costs of management of the Property and collection of rents, including, but not limited to, receiver's fees, premiums on receiver's bonds and reasonable attorneys' fees, and then to the sums secured by this Security Instrument. Lender and the receiver shall 'oe liable to account only for those rents actually received. 21. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate for normal residential uses and for maintenance of the Property. Borrower shall promptly give Lender written notice of any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge. If Borrower learns, or is notified by any governmental or regulatory authority, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. As used in this Paragraph 21, "Hazardous Substances" are those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials. As used in this Paragraph 21, "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection. 1301 :lUUS PENNSYLVANIA MORTGAGE (9iot) Original - File Moot-OPA rag. 6 u, 7 035.103.00002170.5 22? Release. Upon payment of all sums secured by this Security Instrument, Lender shall release the Security Instrument. Borrower shall pay any release fees and costs of recordation unless applicable law provides otherwise. 23. Purchase Money Mortgage. If any of the debt secured by this Security Instrument is lent to Borrower to acquire title to the Property, this Security Instrutment shall be a purchase money mortgage. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any rider(s) executed by Borrower and recorded with it. rl ? n (Seal) 7- 1,,; <J?, •( ELI ; , 9 (6 (seal) Kim erly A Robert .K.A. Kimberly A. Bannister (seal) -Borrower (Seal) Certificate of Residence I. ??J/M4A do hereby certify that the correct address of the within-natha7Lehnvris 0 Trindle Road, Suite 1002, Shiremanstown, PGA 17011 Witness my hand this day of Agent of Lender COMMONWEALTH OF PENNSYLVANIA,{ On this, the day of `1Li C? vL t personally appeared De-rc t a L person(s) whose name(s) Cj%-0 subscribed to the within instrument executed the same for the purposes herein contained. IN WITNESS WHEREOF, I hereunto set my hand and official My Commission Expires: Title o! Omcer Lisa A, Notanai Seat L Lower pFinkenbinoer, Notary PubNc "^vCommponT p,Oaunbin ' Coun INN scion Ex ;o ph 14.ou' 1996 tvk+r?, Pervtsyf,.a rAA55rAaaon a! Pk6nes PENNSYLVANIA MORTGAGE,sson Original - File M002.7PA Way 7.17 1 C County ss: before me, the undersigned officer, A. /L fryl } K.-.4c e'I 3.?tn.teN- known to me (or satis actorily proven) to be the :knowledged that 1035=103-=00002170=5 e60<1301 Mrul1009 035.103.00002170.5 NOTE 0 07 a $o;7f,3U Januaryp25, 1996 13 West Pine St. Mt Holly Springs, PA 17065 Property Address 1. BORROWER'S PROMISE TO PAY In return for a loan that I have received, I promise to pay Fi fty-One Thousand and 00/100 Dollars (U.S, $ 51, 000.00 ) (this amount will be called "principal"), plus interest, to the order of the Lender. The Lender is TMS Mortgage Inc. , dba The Money Store 1 understand that the Lender may transfer this Note. The Lender or anyone who takes this Note and who is entitled to receive payments under this Note will be called the "Note Holder." 2. MEREST I will pay interest at an annual rate of 11.490 X Interest will be charged an unpaid principal beginning on February 1, 1996 and will continue until the PoII amount of principal has been paid. Interest shall continue to accrue at this rate after the maturity or default of this loan, and after the entry of any judgment on this Note. 3. PAYMENTS I will pay principal and interest by making payments each month in the sum of U.S. S 595.45 ("monthly payments"). I will make my monthly payments on the Fi rst day of each month beginning on March 1, 1996 I will make monthly payments every month until I have paid all of the principal and interest and any other fees or charges, described below, that I may owe under this Note. if, on February 1, 2011 any sum still retrains unpaid, 1 will pay what I owe in full on that date. All monthly payments received by Note Holder shall be applied first to accrued interest and the remainder, if any, to the principal. If I owe the Note Holder any late charges, or otter fees or charges ("other charges"), they will be payable upon demand of the Note Holder. Unless prohibited by law, the application of payments may be affected by the imposition of other charges. Therefore, payments of other charges, whether paid to the Note Holder in addition to the monthly payment or separately, will be applied in a manner at the absolute discretion of the Note Holder, subject to applicable law. I will make my monthly payments at P.O. Box 1058, Newark, NJ, 07101.1058 or at a different address if required by the Note Holder. 4. BORROWER'S FAILURE TO PAY AS REQUMED (A) Late Charge for Overdue Payments If the Note Holder has not received the full amount of any of my monthly payments by the end of 10 calendar days after the date it is due, I will promptly pay a late charge to the Note Holder. The amount of the charge will be 5.00 % of my full monthly payment. I will pay this late charge only once on any late monthly payment. (B) Default If I do not pay the full amount of each monthly payment on the date it is due, I will be in default. PENNSYLVANIA NOTE (ACTUARIAL) ream Original - File MOOT-IPA ",p" 1 m s EXHIBIT s b 0 • (C) Notice or Default " If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date, the Note Holder may require me' to pay immediately the full amount of principal which has not been paid and all the interest that I owe on that amount. That date must be at least 30 days after the date on which the notice is delivered or mailed to me. (D) No Waiver by Note Holder Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as described above, the Note Holder will still have the right to do so if I am in default at a later time. (E) Payment of Note Holder's Costs and Expenses If the Note Holder has required me to pay immediately in full as described above, the Note Holder will have the right to be paid back for all of its costs and expenses to the extent not prohibited by applicable law. Those expenses include, for example, reasonable attorneys' fees, foreclosure fees and court costs. (F) Check Collection Charges If I present the Note Holder with a check, negotiable order of withdrawal, share draft or other instrument In payment that is returned or dishonored for any reason, I will pay a check collection charge to the Note Holder. The amount of the charge will not be greater than U.S. $ 15.00 5. THIS NOTE SECURED BY A SECURITY INSTRUMENT In addition to the protections given to the Note Holder under this Note, a Mortgage, Deed of Trust or Security Deed (the 'Security Instrument"), on real property (the "Property") described in the Security Instrument and dated the same date as this Note, protects the Note Holder from possible losses which might result if I do not keep the promises which I [Hake in this Note. The Security Instrument describes how and under what conditions I may also be required to make immediate payment in full of all amounts I owe under this Note. Some of these conditions are as follows; Transfer of the Property or a Beneficial Interest in Borrower. If all or any pan of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all surlss secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 6. BORROWER'S PAYMENTS BEFORE THEY ARE DUE Subject to the application of payments described in Section 3, I have the right to make payments of principal at any time before they are due. A prepayment of all of the unpaid principal is known as a "full prepayment." A prepayment of only part of the unpaid principal is known as a "partial prepayment." If I make a partial prepayment equal to one or more of my monthly payments, my due date may be advanced no more than one month. If ( make any other partial prepayment, I must still make each later payment as it becomes due and in the same amount. If the original principal amount of this loan is $50,000 or less, I may make a full prepayment or a partial prepayment without paying any penalty. However, if the original principal amount of this Note exceeds $50,000, and, if within the first N/A months from the date of this loan, I make any prepayment(s) within any 12 month period whose total amount exceeds 20 percent of the original principal amount of this loan, I will pay a prepayment charge equal to six months' interest on the amount by which the total of my prepayment(s) within that 12 month period exceeds 20 percent of the original principal amount of this loan. 7. BORROWER'S WAIVERS 1 waive my rights to require the Note Holder to do certain things. Those things are: (A) to demand payment of amounts due (known as "presentment"); (B) to give notice that amounts due have not been paid (known as "notice of dishonor"); (C) to obtain an official certification of nonpayment (known as "protest"). Anyone else who agrees to keep the promises made in this Note, or who agrees to make payments to the Note Holder if I fail to keep my promises under this Note, or who signs this Note to transfer it to someone else, also waives these rights. These persons are known as "guarantors,' "sureties" and "endorsers." PENNSYLVANIA NOTE (ACTUARIAL)t9aia Original - File M001.2PA ",,,2„3 035.103-00002170.5 . ® o 8. GIVING OF NOTICES Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing it by first class mail addressed to me at the Property Address described in the Security Instrument. A notice will be delivered or mailed to me at a different address if I give the Note Holder a notice of my different address. Any notice that must be given to the Note holder under this Note will be given by mailing it by first class mail to the Note Holder at the address stated in Section 3. A notice will be mailed to the Note Holder at a different address if I am given a notice of that different address. 9. RESPONSIBDdTY OF PERSONS UNDER TMS NOTE If more than one person signs this Note, each of us is fully and personally obligated to pay the full amount owed and to keep all of the promises made in this Note. Any guarantor, surety, or endorser of this Note (as described in Section 7 above) is also obligated to do these things. The Note Holder may enforce its rights under this Vote against each of us individually or against all of us together. This means that any one of us may be required to pay all of the amounts owed under this Note. Any person who takes over my rights or obligations under this Note will have all of my rights and must keep all of my promises made in this Note. Any person who takes over the rights or obligations of a guarantor, surety, or endorser of this Note (as described in Section 7 above) is also obligated to keep all of the promises made in this Note. This Note is intended by Lender and me as a complete and exclusive statement of its terms, there being no conditions to the enforceability of this Note. This Note may not be supplemented or modified except in a writing signed by me and the Note Holder. This Note benefits lAnder, its successors and assigns, and binds me and my heirs, personal representatives and assigns. 10. APPLICABLE LAW This Note shall be governed by the laws of the State of Pennsylvania. If a law which applies to this loan and sets maximum loan charges is finally interpreted so that the interest and other charges collected or to be collected in connection with this loan exceed the permitted limits, then: (A) any such interest or other charge shall be reduced by the amount necessary to reduce the interest or other charge to the permitted limit; and (B) any sums already collected from me which exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the principal I owe under this Note or by making a direct payment to me. If a refund reduces principal, the reduction will be treat as a partial pirepaym . 11. BORROWER'S COPY `` I hereby acknowledge receipt of a filled-in copy of this Note. ?, .f i Y s ` 7' rK'r i (Seal) CzrE Roberts -Borrower (Seal) -Borrower t!? '•?'F L( C1 ?1C?•J? (gee) Kimberly A Roberfli F.K.A. Kimberly A. BAmeaber J Pay to the order of: TMS Mortgage Inc., dba The Money Store gy _ '. b ISAR L. BERCH, ASST. VICE PRESIDENT (Seal) -Borrower (Sign Original Note Only) PENNSYLVANIA NOTE fACTUARIALI (9412: Original - File M001.3PA r,t, 3.13 035-103-00002170-5 ALL THAT CERTAIN tract of land with the improvements thereon erected situate in the Borough of Mount Holly Springs, Cumberland County, Pennsylvania, bounded and described in accordance with Subdivision Plan for Lester DeVanie prepared by Larry V. Neidlinger, Registered Surveyor, dated September 24, 1984, a copy of which is recorded in the hereinafter named Recorder's Office in Plan Book 47, page 26, which Plan is incorporated herein by reference, as follows: BEGINNING at a point on the Southern line of West Pine Street at the dividing line between properties known as 11 and 13 West Pine Street, which point at the Place of Beginning is North 85 degrees 39 minutes West a distance of 41.48 feet from a point at the intersection at the Southern right-of-way line of West Pine Street with the Western right-of-way line of 30 feet wide Hollinger Avenue on said Subdivision Plan; thence from said point at the Place of Beginning along said dividing line between properties known as 11 and 13 West Pine Street, South 04 degrees 10 minutes 11 seconds West a distance of 102.56 feet to a point on line of land now or formerly of Stoerzinger; thence along line of said land now or formerly of Stoerzinger, South 80 degrees 08 minutes West a distance of 46.52 feet to an existing iron pin; thence North 02 degrees 17 minutes 29 seconds East a distance of 114.05 feet to a point on the Southern line of West Pine Street; thence along the Southern line of West Pine Street, South 85 degrees 39 minutes East a distance of 48.87 feet to a point at the Place of BEGINNING. THE ABOVE-described tract of land is improved with a one-story brick dwelling known as and numbered 13 West Pine Street, Mt. Holly Springs, Pennsylvania. BEING Tax Parcel # 23-32-2336-321. EXHIBIT 5 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE THE COMMONWEALTH OF PENNSYLVANIA'S HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM MAY BE ABLE TO HELP YOU. READ THE FOLLOWING NOTICE TO FIND OUT HOW THE PROGRAM WORKS. If you need more information call the Pennsylvania Housing Finance Agency at 1 (800) 342-2397 LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PLIES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO FOR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. Fcx usu,is,R<nrri.r.ur, crv!.ox 0 EXHIBIT ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS Date: May 6, 1999 RE: Account No.: 72807530 TO: Kimberly A. Roberts f.k.a. Kimberly A. Barrett 13 West Pine Street Mount Holly Springs, Pennsylvania 17065 PROPERTY: 13 West Pine Street Mount Holly Springs, Cumberland County, Pennsylvania 17065 FROM: Axel A. Shield, Il, Esquire Attorney for The Bank of New York as Trustee under the Pooling and Servicing Agreement dated as of February 29, 1996, Series 1994-A You may be eligible for financial assistance that will prevent foreclosure on your mortgage if you comply with the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Act"). You may be eligible for emergency temporary assistance if your default has been caused by circumstances beyond your control, you have a reasonable prospect of resuming your mortgage payments, and if you meet other eligibility 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 entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with a representative of this lender, or with a designated consumer credit counseling agency. The purpose of this meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency. This meeting must occur in the next (30) days. If you attend a face-to-face meeting with this lender, or with a consumer credit counseling agency identified in this notice, no further proceeding in mortgage foreclosure may take place for thirty (30) days after the date of this meeting. The name, address and telephone number of our representative is The Money Store Kelly Deal 4111 South Darlington, Suite 800 Tulsa, Oklahoma 74135 Telephone (888) 791-2070 or (918) 280-2700 ext. 2887 Fax (918) 280-2719 The names and addresses of designated consumer credit counseling agencies are shown on the attached sheet. It is only necessary to schedule one face-to-face meeting. You should advise this lender immediately of your intentions. Your mortgage is in default because you have failed to pay promptly installments of principal and interest, as required, for a period of at least sixty (60) days. The total amount of the delinquency is $4,475.77. That sum includes the following: 7 payments of principal and interest @595.45 ........................ $4,168.15 6 late charges @ 29.77 ............................................ 178.62 Corporate Advance Fee ............................................ 100.00 Accrued Returned Check Charges ..................................... 15.00 Recordation of Release ......................................... 14.00 TOTAL ...................................................... $4,475.77 If you have tried and are unable to resolve this problem at or after your face-to- face meeting, you have the right to apply for financial assistance from the Homeowners' Emergency Mortgage Assistance Fund. In order to do this, you must fill out, sign and file a completed Homeowners' Emergency Assistance Application with one of the designated consumer credit counseling agencies listed on the attachment. As application for assistance may only be obtained from a consumer credit counseling agency. The consumer credit counseling agency will assist you in filling out your application and will submit your completed application to the Pennsylvania Housing Finance Agency. Your application must be filed or postmarked, within thirty (30) days of your face-to-face meeting. 3 It is extremely important that you file your application promptly. If you do not do so, or if you do not follow the other time periods set forth in this letter, foreclosure may proceed against your home immediately. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. It is extremely important that your application is accurate and complete in every respect. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that additional time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by that Agency of its decision on your application. The Pennsylvania Housing Finance Agency is located at 2101 North Front Street, Post Office Box 8029, Harrisburg, Pennsylvania 17105. Telephone No. (717) 780-3800 or 1-800-342-2397 (toll free number). Persons with impaired hearing can call (717) 780-1869. In addition you may receive another notice from this lender under Act 6 of 1974. That notice is called a "Notice of Intention to Foreclose". You must read both notices, since they both explain rights that you now have under Pennsylvania law. However, if you choose to exercise your rights described in this notice, you cannot be foreclosed upon while you are receiving that assistance. Very truly yours, CAP N & LUBER, L ) C)Lbz?) By: Axel hi Id, ll, esquire UNLESS YOU NOTIFY US IN WRITING WITHIN THIRTY (30) DAYS AFTER RECEIPT OF THIS LETTER THAT THE DEBT, OR ANY PART OF IT, IS DISPUTED, WE WILL ASSUME THAT THE DEBT IS VALID. IF YOU DO NOTIFY US OF A DISPUTE, WE WILL OBTAIN VERIFICATION OF THE DEBT AND MAIL IT TO YOU. ALSO UPON YOUR WRITTEN REQUEST WITHIN THIRTY (30) DAYS, WE WILL PROVIDE YOU WITH THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR IF DIFFERENT FROM THE CURRENT CREDITOR. THIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Consumer Credit Counseling Agency Notification To: Date: Name of Mortgagee Address In accordance with the Pennsylvania Homeowners' Emergency Mortgage Assistance Program (Act 91 of 1983), we have been approached for mortgage counseling assis-ance by: Name of Applicant Address Telephone Number Mortgage Loan Number Address of property on which mortgage is in default, if different from above. The counseling agency met with the above named applicant on Date who have indicated that they are more than sixty days delinquent on their mortgage payments and have received notification of intention to foreclose from Name and Address of Mortgagee In accordance with the Homeowners' Emergency Mortgage Assistance Program, this is to inform you that : 1. If the delinquency cannot be resolved within the 30 day forbearance period as provided by law, the applicant listed above may apply to the Pennsylvania Housing Finance Agency for Mortgage Payment Assistance. 2. By a copy of this Notice, we are notifying all other mortgagees, if any, which the applicant has indicated as also having a mortgage on the property identified above. 3. It is our understanding that the 30 day forbearance period in which we are now in ends on 4. No legal action to enforce the mortgage may occur during this forbearance period, unless procedural time limits were not met by the homeowner. Name of Counseling Agency: Signer and Title Telephone Number Address PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES American Red Cross-Hanover Chapter 529 Carlisle Street Hanover, PA 17331 (717) 637-3768 FAX* (717) 637-3294 Blair County Economic Opportunity Council 5433 Industrial Avenue Altoona, PA 16601 (814) 946-3651 FAX T (814) 946-5451 Action Housing, Inc. Number Two Gateway Canter eth Floor Pittsburgh, PA 15731 (412) 391-195x' Community Action Southwest 22 West High Street Waynesburg, PA 15370 (412) 852-2893 Consumer Credit Counseling Service Of Western Pennsylvania, Inc. 309 Smithfield Street Pittsburgh, PA 15222 (412) 471-7584 Consumer Credit Caunseiina Service of Western Pennsylvania. Inc. 500-02 3rd Avenue Post Office Box 278 Ounc2nsviile. PA (814) 696-3546 P:DOC0.S 4.p ucycu osuc i.Nar ADAMS COUNTY Consumer Credit Caunseling Service of Western Pennsylvania, Inc. 2000 Unglestown Road Harrisburg, PA 17102 (7177) 541-1757 Financial Services Unlimited 117 West 3rd Street Waynesboro, PA 17268 (717) 762-3285 ALLEGHENY COUNTY Housing Opportunities. Inc. 133 Seventh Street McKeesport, PA 15132 (412) 6'04-1 °50 FAX # (412) 6644873 Mon-Valley Unemployed Committee 120 E 9th Avenue Homestead, PA 15120 (412) 462-9962 Urban Leaaue of Pittsburgh, Inc. building Far Equal Oppartunity One Smithfield Street Pittsburgh, PA 15222-2222 (412) 261-1120 FAX m (412) 261-6207 ARMSTRONG COUNTY Indiana County Cammunity Action Proarm 827 Water Street, Box 187 Indiana, PA 15701 (412) 465-2657 FAX R (412) 465-5 118 BEAVER COUNTY Action Housing, Inc. Housing Opportunities of Beaver Number Two Gateway Center Caunty, Inc. 9th Floor 334 Insurance Street Pittsburgh, PA 15222 Beaver, PA 15aa9 (412) 391-1956" (412) 728-7511 Consumer Credit Counseling Service Man-Valley Unemployed Cammittee of Wester Pennsylvania, Inc 120 E. 9th Avenue 524 Franklin Avenue Homestead, PA 15120 Franklin Center (412) 762-9962 Aliquippa, PA 15001 BEDFORD COUNTY Eedford-Fulton Housina_ Services Tab!e!and Services, Inc. R.D. 1, Box 384 131 North Center Avenue Everett PA 15537 Somerset, PA 15501 (814) 623-9129 (814)445-9628 FAX m (814) 443-3690 Cansumer Credit Ccunse!ina Service Weather¢ation OfSc3 of Westem Pennsvivania. Inc. 917 Mifflin Street 500-02 3rd Avenue Hunt!nadon, PA 16652 Post Office Box 278 Ouncansvifle. PA (814) 696-3546 Kevstane Economic Oevelodment Corporation 1954 Mary Grace Lane Johnstown. PA 15901 (814) 535-0556 FAX R (814) 539-1688 BEAKS COUNTY Eudaet Caunse!ina Center E=onomic Opportunity Cabinet of 247 North Firth Street Schuylkill Caunry Reading, PA 19601 118 Norweiaian Stree*. (215) 375-7866 Pottsville, PA 17901 FAX R (215) 376-0575 (717) 622-1995 FAX m (717) 622-0429 Consumer credit counseling Service of Lehigh Valley 3671 Crescent Court East Whitehall, PA 18052 (610) and 14) ONLYO) 220-2733 fax : (215) 821-0137 Bedford-Fulton Housing Services R.D. 1, Eax 384 Everett, PA 15537 (814) 623-9129 FAX-, (814) 623-7187 Flair County Economic Opportunity Council 5433 Industrial Avenue Altoona. PA 16601 (814) 946-3651 FAX R (814) 946-5451 Consumer Credit Counseling Service of Western Pennsylvania. Inc. 500-02 3rd Avenue post office box 278 Duncanville, PA (814) 696-3546 Consumer Credit Counseling Service of Northeastern Pennsylvania Human Services Building ?41 Wyoming Avenue Box 168 Scranton, PA 18501 (717) 342-1072 or 1 (800) 922-9537 FAX R (717) 342-9040 31 W. Market Street Wiikes-Bane. PA 18702 (717) 821-0837 or 1 (800) 922-0537 FAX m (717) 821-1785 La Case Del Pueblo 815 W. Baltimore Pike Kennett Square, PA 19348 (215) 444-3731 FAX # (215) 4443178 BLAIR COUNTY Keystone Economic Development Corporation 1954 Mary Grace Lane Johnstown, PA 15901 (814)535.6556 FAX T (814) 539-,6B8 Weatherization Office 917 Mifflin Street Huntingdon, PA 16652 BRADFORD COUNTY His Majesty Fellowship Church 207 Penn Ave. P.O. Box 104 Athens, PA 18810 (Wed: Fri.) (717)888.6024 17 Cmftcn Street Wellsboro, PA 16901 (717) 724-5252 Fran.C _C,, nuC.FUR=Qe C91y= The Trehab Center of Northeastern Pennsylvania 7 Lake Avenue Box 339 Montrose, PA 18801 (717) 278-3338 or 1 (800) 982-4045 FAX # -717) 278-1889 185 Emira Street P.O. Box 218 Troy, PA 16947 (717) 297-2101 German Street P.O. Box 389 Oushare, PA 18614 (717) 928 9668 Acorn Housing Corporation 846 North Broad Street Philadelphia, PA 19130 (275) 765-1221 FAX# (215) 765-1427 AM Credit Counseling Institute 144 East Dekalb Pike, Suite 100 King of Prussia, PA 19406 (610) 354-9922 Bucks County Housing Group, Inc. 140 East Richardson Avenue Langhorne, PA 19047 (215) 750-4310 FAX R (215) 75013 18 Hisoanic Association of Contractors & Enterprises 2921-27 North 5th Street Phiiadelphia, Pa 19133 (215) 426-8025 FAX R (215) 426-8027 602%Chruch Street P.O. Box 97 Homesdale, PA 18431 (717) 258-4987 103 Warren Street P.O. Box 709 Tunkhanncck, PA 186577 (717) 836-6840 BUCKS COUNTY Consumer Credit Counselino_ Service of Delaware Valley 1211 Chesmut Street, Suite 400 Phiiadelphia, PA 19107 (215) 56 -5645 FAX m (215) 664-2666 Consumer Credit Counselino_ Service of Lehigh Valley 3671 Crescent Court Egst Whitehall, PA 18052 (610) 821-4011 or 1 (800) 220-2733 (717) and (814) ONLY FAX # (215) 821-0137 FM0c -CYueucxamcLoauc9iror 4 BUTLER COUNTY Action Housing Inc. Number Two Gateway Center 9th Floor Pittsburgh, PA 15722 (412) 391-1966 -Housing Opportunities, Inc. 133 Seventh Street MaKeespoM PA 15132 (412) 664-1590 FAX # (412) 664-0673 Consumer Credit Counseling Service of Western Pennsylvania, Inc. YMCA Building 339 North Washington Street Butler, PA 16001 Bedford-Fulton Housing Services R.D. 1, BOX 384 Everett, PA 15537 (814) 623-9129 FAX # (814) 623-7187 Consumer Credit Counse!Lna Service of Western Pennsylvania. Inc. 500-02 3rd Avenue Post Office Box 278 Duncmnsviile, PA (814) 696-3546 Indiana County Community Action Program 827 Water Street, Box 187 Indiana, PA 15701 (412) 465-2657 FAX # (412) 465-5118 Northern Tier Cammunity Action Corp. 135 W. Fourth Street Emporium. PA 15834 (814) 486-1161 FAX # (814) 486-3370 Mon-Valley Unemployed Committee 120 E. 9th Avenue Homestead, PA 15120 (412) 462-9962 CAMBRIA COUNTY Keystone Econcmic Deve!opment Corporation 1954 Mary Grace Lane Johnstown, PA 15901 (814) 535-6556 FAX # (814) 539-1688 Table!and Services Inc. 131 North Canter Avenue Somerset, PA 1501 (814) 445-9628 FAX # (814) $43-a690 CAMERON COUNTY Consumer Credit Caunse!Lna Service of Westem Pennsylvania, Inc. 500-02 3rd Avenue Post Office Box 278 Duncansvitle, PA (814) 696-3546 VD0cr rcwsunsau¢a cr71Har CARBON COUNTY Economic Opportunity Cabinet Consumer Credit Counseling Service of Schuyllall County of Lehigh Valley 118 Norweigian Street 3671 Crescent Court Pottsville, PA 17901 East Whitehall, PA 18052 (717) 622-1995 (610) 821-4011 or 1 (800) 220-2733 FAX R (717) 622-0429 (717) and (814) ONLY FAX m (215) 821-0137 Consumer Credit Counselino Service Commission an Economics Opportunity of Northeastern Pennsylvania of Luzeme County Human Services building 211-213 South Main Street 541 Wyoming Avenue Wilkes-Barre, AP 18701 Box 168 (717) 826-0510 or 1 (800) 822-0359 Sc,enton, PA 18501 FAX * (717) 822-11665 (7177) 342-1072 or 1 (800) 9222-9537 Call before faxino FAX # (717) 342-8040 (717) 836-4090 Tunkhannock 31 W. Market Street Wilkes-Barre, PA 18702 (717) 821-0837 or 1 (800) 922-9537 FAX ,: (717) 821-1785 CENTRE COUNTY Consumer Credit Counselino Service Lycomina-Clinton Counties of Western Pennsylvania. Inc. Commission Far Community 500-02 3rd Avenue Action (STE.F) PCs" Office Box 278 2138 Lincoln Street Duncansviile, PA P.O. Box 1328 (814) 6996-3546 Williamscom P.4 17-703 (717) 326-0587 FAX m (717) 322-2197 CHESTER COUNTY Acorn Housing Corporation La Cas Del Pueblo 846 North Broad Street 815 W. Eailimare Pike Philadelphia, PA 19130 Kennett Souare, PA 19348 (215) 765-1221 (610) 444-3731 FAX °. (215) 765-4427 FAX # (610) 4 4 4 317 8 AM Credit Caunselina Institute Media Fellowship house 144 East Dekalb Pike. Suite 100 302 S. Jackson street King of Prussia. PA 19406 Media, PA 19063 (610) 354-9922 (610) S65-0846 Budget Counseling Center 247 North Fifth Street Reading, PA 19601 (610) 375-7866 FAX* (610) 376-6575 Consumer Credit Counseling Service of Delaware Valley 1211 Chestnut street, Suite 400 Philadelphia, PA 19107 (215) 563-5665 FAX T (215) 864-2666 Hispanic Association of Contractors & Enterprises 2921-27 North 5th Street Philadelphia, PA 19133 (215) 426-8025 FAX -? (216) 426.8027 Consumer C. edit Counsalina Service of Western Pennsylvania. Inc. YMCA Suildino 339 North Washinaron Street Butler, PA 16001 (412) 282-7812 Keystone Economic Oeve!opment Corporation 1954 Mary Grace Lane Johnstown, PA 1501 (814) 635-6666 FAX # (814) 539-1688 Indiana County Community Action Proaram 827 Water Street. Box 187 Indiana. PA 15701 (412) 466-26577 FAX ;. (412) 465-5118 Philadelphia Council for Community Advancement 100 North 17th Street suite 600 Philadelphia, PA 19103 (215) 567-7803 FAX # (215) 963-9941 Tabor Community Service, Inc. 439 E IOng Street L.-ncsster, PA 17602 (717) 397-5182 or 1 (800) 788-5062 (Homeowners only) FAX T (717) 399.4127 CLARION COUNTY CLEARFiELD COUNTY Consumer Credit Counselina Service of Western Pennsylvania. Inc. 500-02 3rd Avenue Post Office Box 278 Ouncansviile, PA (814) 6?6-3646 F: moc=s wncsia Re¢aiNC:9l2 Lycoming-Clinton Counties Commission For Community Ackn (STE.a) 2138 Lincoln Street P.O. Box 1328 WillfamspoM PA 177703 (717) 328-0587 FAX R (717) 322-2187 Consumer Credit Caunselino Service of Ncrrheastem Pennsylvania Human Services Buildina_ 541 Wyoming Avenue Box 168 Scranton, PA 18501 (717) 342-1072 or 1 (800) 9Z-?537 FAX T (717) 342-8040 31 W. Market Street Wilkes-Barre, PA 18702 (717) 821-0837 or 1 (800) 922-9557 FAX-, (717) 821-1785 Booker T. Washington Center 1720 Holland Street Ede, PA 16603 (814) 453-5744 FAX a: (814) 463-5749 Greater Erie Community A&= Committee 18 West 9th Street Erie, PA 16501 (814) 459-4581 FAX m (814) 466-0 161 CLINTON COUNTY COLUMBIA COUNTY Commission an Economics Oppartunity of Luzeme County 211-213 South Main Street Wilkes-Barre, PA 18701 (717) 826-0510 or 1 (800) 822-0369 FAX m (717) 829-1665 Call before faxing (717) 455-4994 Hazeitcn FAX T (717) A55 X531 Call before faxing (71 7) 836=095 Tunkhanncck CRAWFORD COUNTY Jahn F. Kennedy Canter, Inc. 2021 East 20th Street Erie, PA 16510 (814)89M400 FAX :(814)898-1243 Shenanaa Valley Urban League. Inc. 601 Indiana Avenue Farrell, P.4 16121 (412)981-5310 CUMBERLAND COUNTY Consumer Credit Counseling Service Urban League of Metropolitan of Western Pennsylvania, Inc. Harrisburg 2000 Linglestown Road 25 N. Front Street Harrisburg, PA 17102 Harrisburg, PA 17101 (717) 541-1757 (717) 234-5825 FAX # (717) 232-4985 Financial Services Unlimited YWCA of Carlisle 117 West 3rd Street 301 G Street Waynesboro, PA 17268 Carlisle, PA 17013 (717) 762-3285 (717) 243-3818 FAX $ (717) 243-3948 DAUPHIN COUNTY Consumer Credit Counselinc Service Urban League of Metropolitan of Western Pennsylvania, Inc. Harrisburg 2000 Ungiestown Road 25 N. Front Street Harnabrua, PA 17102 Harrisburg, PA 17101 (71 77) 541:117577 (717) 2345925 FAX m (717) 232-1985 DELAWARE COUNTY Acorn Housing Corporation La Cas Del Pueblo 846 North Broad Street 815 W. Baltimore Pike Philadelphia. PA 19130 Kennett Square. PA 19348 (215) 765-1221 (610) 4443731 FAX (215) 765-1427 FAX m (610) 444 3178 AM Credit Counseling Institute Media Fellowship house 144 East Dekalb Pike, Suite 100 302 S. Jackson stree*. King of Prussia, PA 19406 Media. PA 19063 (610) 354-9922 (610) 555-0846 Consumer Credit Counseling Service Philadelphia Council for Community of Delaware Valley Advancement 1211 Chestnut street. Suite 400 100 North 17th Street Philadelphia. PA 19107 Suite 600 (215) S63-5665 Philadelohia. PA 19103 FAX -1 (215) 8642666 (215) 507.7 803 FAX m (215) 965-9941 F^D6CSIST{ V U8r36F6RlQAIMC9INOT Hispanic Association of Contractons & Enterprises 2921-27 North 5th Street Philadelphia, PA 19133 (215) 426-8025 FAX # (215) 426-8027 Northern Tier Community Action Corp. 135 W. Fourth Street Emporium, PA 15834 (814) 486-1161 FAX :(814)486-3370 Booker T. Washington Canter 1720 Holland Street E-ie, PA 16503 (814) 898-0400 FAX" (814) 453-5749 John F. Kennedy Canter, Inc. 2021 East 20th Street Erie, PA 16510 (814) 898-0400 FAX # (814) 8989-1243 Action Housinc Inc. Number Two Gateway Canter 9th Foor Pittsburgh, PA 152272 (412) 391-1956 Community Acti=n Southwest 22 West High Street Waynesburg, PA 15370 (412) 852-2893 ELK COUNTY John F. Kennedy Canter, Inc. 2021 East 20th Street Erie, PA 16510 (814) 898-0400 FAX # (814) 898-1243 ERIE COUNTY Greater Eie Community Action 18 West °th Street Eie, PA 16501 (814)159-1551 FAX m (814) 453-0161 FAYETTE COUNTY Committee Fayette Caumy Community Action Agency, Inc. 137 North Beeson Avenue Uniontown, PA 15401 (412) 437-6050 Ed. 38 or 1 (800) 427-INFO FAX m (412) 437-4418 Tableland Services Inc. 131 North Canter Avenue Some.Ret PA 15501 (814) 445-9628 FAX ;: (814) 443-3690 FPM0C"L1 -CR L1=RZCL03NCMtB0r 10 Consumer Credit Counseling Service Mon-Valley Unemployed Committee of Western Penneytvaiiiaf Inc.' 120 E. 4th Avenue = . = -= -• 1 North Gate Square Homestead, PA 15120 2 Garden Center Drive (412) 462-9962 Greensburg, PA 156601 Warren-Forrest Counties Economic Opportunity Council 204 Liberty Street Post Office Box 547 Warren, PA 16365 (814) 726-2400 FAX # (814) 723-0510 FOREST COUNTY FRANKLIN COUNTY Financial Services unlimited 117 West 3rd Street Waynesboro, PA 17268 (717) 762-328S Consumer Credit Counselina Service of Western Pennsylvania. Inc. 912 South George Street York, PA 17403 YWCA of Carlisle 301 G Street Cariisle. AP 17013 (71 7) 243-3818 FAX # (717) 243-3948 Bedford-Fulton Housing Services R.D. 1, Box 384 Everett; PA 15537 (814) 623-9129 FAX : (814) 623-7187 American Red Cross - Hanover Chanter 529 Cariisie Street Hanover, PA 17331 (717) 637-3761 FAX T (717) 637-3294 FULTON COUNTY Consumer Credit Counseling Service of Western Pennsylvania. Inc. 912 South Gearge Street York, PA 17403 Financial Services Unlimited 117 West 3rd Street Waynesboro, PA 17268 (717) 762-3285 Action Housing, Inc. Number Two Gateway Center 9th Flour Pittsburgh, PA 157,71) GRE'NE COUNTY Cammunifv Action Southwestern 22 West kah Street Waynesburg, PA 15370 (412) 852•-2893 FAX T (412) 627-;"r 13 P'D0c=r cam =mc-sirar 11 Man-Valley Unemployed Cammittee Consumer Credit Counseling Service 120 E. 9th Avenue of Western Pennsylvania, Inc. Homestead, PA 15120 1 North Gate Square (412) 462-9962 2 Garden Center Drive Greensburg, PA 15601 Bedford-Fulton Housing Services R.D. 1, Box 384 Everett, PA 15637 (814) 623-9129 FAX W (814) 623-7187 HUNTINGDON COUNTY Weatherizatian Office 917 Mifflin Street Huntingdon, PA 16652 (814) 643-2343 Consumer Credit Counseling Service of Western Pennsylvania, Inc. 500-02 3rd Avenue Post Office Box 278 Duncanville, PA (814) 696-3546 Consumer Credit Caunseling Service of Western Pennsylvania, Inc. 1 North Gate Square 2 Garden Center Drive Greensburg, PA 15501, John F. Kennedy Center, Inc. 2021 East 20th Street Erie, PA 16510 (814) 898-0400 FAX (814) 898-1243 Consumer Credit Counseling Service of Western Pennsylvania. Inc. YMCA Building 339 North Washington Street Butler, PA 16001 (412) 282-7812 Indiana County Community Action Program. 827 Water Street, Sax 187 Indiana, PA 15701 (412) 465-265 r FAX : (412) 465-5 118 - Keystane Economic Development Corporation 1954 Marv Grace Lane Johnstown, PA 15901 (814) 535.6556 FAX m (814) 539-1688 JE?=ERSON COUNTY Indiana County Community A&= Prcarm 827 Water Street, Box 187 Indiana, PA 15701 (412) 465-2657 FAX R (412) 465-5118 FAMCUT-CTUwC cRe=O =VINM 12 JUANITA COUNTY - Consumer Credit Caunseling Service Weatherkmdon Office amestem Pennsylvania, Inc. 917 Mifflin Street 500-02 3rd Avenue Huntingdon, PA 16652 Past Office Box 278 (814 643-2343 Duncansville, PA (814) 696-3546 LACKAWANNA COUNTY Consumer Credit CaunselingService Consumer Credit Counseling Service of Northeastern Pennsylvania, Inc. of Northeastern Pennsylvania, Inc. Human Services Building 31 W. Market Street 541 Wyoming Avenue Wilkes-Bane, PA 18702 Box 168 (717) 821-0837 or (800) 9222-9537 Scranton, PA 18501 FAX (717) 821-1785 (717) 342-1072 or (800) 922-9537 FAX (717) 342-8040 LANCASTER COUNTY L.- Casa Del Pueblo Consumer Credit Counseling Service 815 W. Baltimore Pike of Westerr612ennsvivania, Inc. Kennett Square, PA 19348 912 South Georce Street (215) 444-3731 York. PA 17403 FAX (215) 444-3178 Consumer Credit Counselinc Service Tabor Community Services. Inc. of Lehigh Valley 439 E. King Street 3671 Crescent Court Lancaster. PA 17602 East Whitehall, PA 18052 (717) 397-5182 or (600) 788-5062 (Homeowners only) FAX (717) 399-4127 LAWRENCE COUNTY Consumer Credit Counseling Service Shenago Valley Urban League. Inc. of Western Pennsylvania Inc. 601 Indiana Avenue 1st Federal Plaza. Suite 406 Farrell, PA 161121 North Mill Street (412) 981-5310 New Castle, PA 16101 renoatraneununsgaeaoMes?l+ar )? LEBANON COUNTY Economic Opportunity Cabinet of Schuylkill County 118 Norweigian Street Pottsville, PA 17901 (717)622-1995 FAX (7717) 622-0424 Consumer Credit Counse!ina_ Service of Lehigh Valley 3671 Crescent Court East Whitehall, PA 1805 (215) 821-1011 or (800) 21-0-2733 (71-71 and (814) ONLY FAX (215) 821-0137 Commission an Economics Opportunity Of Luzeme Cauntv 211-213 South Main street Wakes-Barre. PA 18701 (717) 826-0510 or (800) 822-0359 FAX (717) 629-16665 (cail before faxing) (717) 455-4994 Hazeiton FAX (717) 465-5631 (=11 before faxino) (717) 636-4090 Tunkhannoc!t Tabor Community Services, Ina 439 E. Kng Street Lancaster, PA 176W (717) 397-5182 or (800) 788-5062 (Homeowners only) FAX (717) 399-1127 LEHIGH COUNTY Economic Opportunity Cabinet of Schuylkill County 118 Nonveioian Street Pottsville, PA 17901 (717) 622-1995 FAX (71 7) 622-0424 LUZE: cNE COUNTY Consumer Credit Counseling Service of nonhess:e,,m Fennsyivania Human Resources Building 541 Wyoming Avenue Box 168 Scranton, PA 185171 Stanton, PA 18501 (717) 342-1072 or (800) 922-9537 FAX (717) 342.8040 31 W. Market Street Wilkes-Barre. PA 18702 (717) 621-0837 or (800) 922-c- 537 FAX (717) 821-1785 Economic Opportunity Cabinet or Schuylkiii Counrv 118 Nonveigian Street Pottsville. PA 17901 (71 77) 622-1995 FAX 9717) 622-0429 F'D0C1Sr-C7LM =011E=SVX-V1V T 14 LYCOMING COUNTY Consumer Credit Counseling Service Lycoming-Clinton Counties of Northeastern Pennsylvania Commission for Community Action Human Services Budding " (STEP) 541 Wyoming Avenue 2138 Uncoln Street - Box 168 P.O. Box 1328 Scranton, PA 18501 WIIllanuport, PA 17703 (717) 342-1072 or (800) 922-9537 (717) 326-0587 FAX (717) 342-8040 FAX (717) 322-2197 31 W. Market Street Wilkes-Barre, PA 18702 (717) 821-0837 or (800) 922-9537 FAX (7177) 821-1785 MCXEAN COUNTY John F. Kennedy Center, Inc. Northern Tier Community Action Corp. 2021 East 20th Street 135 W. Fourth Street Erie, PA 16510 Emporium, PA 15834 (814) 898-0400 (84)A86 161 FAX (814) 898-1243 r1 () 486-3370 MONTGOMERY COUNTY Acam Housing Corporation Budget Caunse!!na Center 846 North Broad Street 247 North Fifth Street Philade!phis, PA 19130 Reading, PA 19601 (215) 765-1221 (215) 375.78666 FAX (215) 765-1427 FAX (215) 376-65 5 AM Credit Counseling Institute Community Action 144 East Dekal6 Pike, Suite 100 Development Commission King of Prussia, PA 19406 113 Est Main Street (610) 354-aa? Norristown, PA 19401 (215) 27-i-6363 FAX (215) 277-2123 Consumer Credit Counse!ina Service of Delaware County 1211 Chestnut Street, Suite 400 Media Fe!lawship House Philadelphia, PA 19107 302 S. Jackson Street (215) 563 :665 Media. PA 19063 Fax (215) 864-2666 (215) 555-0846 La Casa De! Puebla Philadelphia Counse! for 815 W. Baltimore Pike Community Advancement Kennett Square, PA 1948 100 North 17th Slreef, Suite 600 (215) 4443731 Philadelphia. PA 19103 FAX (215) 444-3178 (215) 567=7803 FAX (215) 963-°941 r..Amc=r.Cj'=C=Rz=3UCT1.Nar 15 ..'0. . MONTOUR COUNTY Consumer Credit Counseling Service of Northeastern PennsYlvania Human Services Building 541 Wyoming Avenue Box 168 Scranton, PA 18501 (717) 342-1072 or (800) 92?-9537 FAX (717) 342-8040 Consumer Credit Counseling Service of Northeastem Pennsylvania Human Services Building 31 W. Market Street Wilkes-Barre, PA 18702 (717) 821-0837 or (800) 422-9537 FAX (717) 821-1785 NORTHAMPTON COUNTY Consumer Credit Counseling Service of Lehich Valley 3671 Crescent Court E=st Whitehall, PA 18052 (215) 821-1.011 or (800) 220-2733 (717) and (814) ONLY FAX (215) 821-0137 NORTHUMBERLAND COUNTY Consumer Credit Caunseiinc Service of Northeastern Pennsvivania Human Services Building 541 Wyoming Avenue Box 16'0 Scranton, PA 18501 (717) 342-1082 or (800) 522-9537 FAX (717) 342-3040 Consumer Credit Counsaiinc Service of Northeast em Fennsvivania Human Services 8uildinc 31 W. Market Street Wilkes-Barre, PA 18702 (717) 821-0837 or (800) 922-9537 FAX (717) 821-1785 Economic Opportunity Cabinet of Schuvikiil County 118 Norwegian steel Pottsville. PA 17901 (7177) 622-1995 FAX (717) 622-0429 r--4o0=crravauctf0"=SAcsirm 16 Consumer Credit Counseling Service Weatherizatian Office of Western Pennsylvania, Ina. 917 Miff in Street 2000 Lingiestown Road Huntingdon, PA 16652 Harrisburg, PA 17102 .(814) 643-2343 (717) 541-1757 - YMCA of Carlisle Financial Services Unlimited 301 G. Street 117 West 3rd Street Carlisle, PA 17013 - Waynesboro, PA 17268 (717) 243-3818 (717) 762-3285 FAX (717) 243-3948 Urban League of Metropolitan Harrisburg 25 n. Front Street Harrisburg, PA 17101 (717) 234-5925 FAX (717) 232-4985 PHILAOELPHIA COUNTY Acorn Housing Corporation Housina Association of Delaware Valley 846 north Broad Street 1314 Chestnut Street. Room 900 Philadelphia. PA 19130 Philadelphia, PA 19107 (215) 765-121 (215) 546-0010 FAX (215) 765-,427 FAX (215) 790-9132 AM C. edit Counseling institute 658 North Wap Street 144 East Dek.-ib Pike. Suite 100 Philadelphia. PA 19123 IGng of Prussia. PA 19406 (215) 978-0224 (610) 3354-992 FAX (215) 765-7614 Centro Pedro Claver Media Fellowship House 3565 North 7th Street 302 S. Jackson Street Philadelphia. PA 19140 Media. PA 19063 (215) 227-: 111 (610) 565-0846 FAX (215) 27-7117 Philadelphia Council for Consumer Credit Counselina Service Community Advancement of Delaware Valley 100 North 17th Street, Suite 600 1211 Chestnut Street. Suite 400 Philadelphia, PA 19103 Philadelphia. PA 19107 (215) 567-7803 (215) 563-5665 FAX (215) 963-9941 FAX (215) 864-2666 Urban Leacue of Philadelphia Hispanic Association of Contractors 251-3 South 24th Street & Enterprises Philadelphia, PA 19103-54-20- 2921-27 North 5th Street (215) 731-4100 Philadelphia, PA 19133 FAX (215) 731-4112 (215) 426-8025 FAX (215) 42£-8027 17 PIKE COUNTY Consumer Credit Counseling Service Consumer Credit Counseling Service of Northeastern Pennsylvania of Northeastern Pennsylvania Human Services Building 31 W. Market Street 541 Wyoming Avenue Wilkes-Barre, PA 18702 Box 168 (717) 8214837 or (800) 422-9537 Scranton, PA 18501 FAX (717) 821-1785 (717) 342-1072 or(800)922-9537 FAX (717)342-8040 POTTER COUNTY Northern Tier Community Action Corp. 135 W. Fourth Street Emporium, PA 15834 (814) 486-1161 FAX (814) 486-3370 SCHUYLIOLL COUNTY Budget Counseling Canter Economic Opportuniiy Cabinet 247 North Fish Street of Schuylkill County Re=dins PA 19601 118 Norwegian Street (215)3 75-7866 Port viile. P.%17901 FAX (215) 376-6675 (717) 6'?-1995 FAX 9717) 622-0429 Commission on Economic Opportunity of Luzeme County 211-213 South Main Street Wilkes-Barre, PA 18701 (717) 826-0510 or (800) 822-0354 FAX (717) 824-1665 rail before faxing (717) 455-4904 Hazelton FAX (717) 456 5631 call before faxing (717) 838-'090 Tunkhannock SNYOE.4 COUNTY Consumer Credit Counseffna Service of Western Pennsylvania, Inc. 2000 Lnalestown Road Harrisburg, PA 17102 (717) 541-1757 T-D0c Sr-CMLWxCAZCZA3 A .91twr 1.3 SOMERSET COUNTY Bedtbrd-Fulton Housing Services Keystane Economic Development Carp. R.D. 1, Box 384 1954 Mary Grace lane Eferett, PA 15537 Johnstown, PA 15901 (814) 623-9129 (814) 535-6556 FAX (814) 623-7187 FAX (814) 539-1688 Consumer Credit Counseling Service Tableland Services, Inc. of Western Pennsylvania, Inc. 131 North Center Avenue 1 North Gate Square Somerset, PA 15501 2 Garden Center Drive (814) 445-9628 Greensburg, PA 15601 FAX (814) 443-3690 SULUVAN COUNTY Consumer Credit Counseling Service German Street of Northeastern Pennsylvania P.O. Box 389 Human Services Buildino Dushore, PA 18614 541 Wyoming Avenue (717) 928-9668 Box 168 Scranton, PA 18501 (717) 342-1072 or (800) 922-9537 His Majesty Fellowship Church FAX (717) 342-3040 207 Penn Ave*, P.O. Box 104 Athens, PA 18810 (Wed.-Fri.) (717) 888-6024 31 W. Market Street Wilkes-Barre, PA 18702 (717) 821-0837 or (800) 922-9537 17 Cr fton Street FAX (717) 821-1785 Wellsboro, PA 16901 (71-7? 724-5252 The Trehab Center of Northeastern Pennsylvania 602 Y, Church Street 7 Lake Avenue P.O. Box 97 Box 339 Homesdale, PA 18431 Montrose, PA 18801 (717) 258-4987 (717) 278-3338 or (800) 982-4045 FAX (717) 278-1889 103 Warren Street P.O. Box 709 185 Emir Street Tunkhannock, PA 18657 P.O. Box 218 (717) 836-0840 Troy, PA 16947 (717) 297-2101 rmoratr -0Muoro.ec.mucMuwr 19 -- SUSQUEHANNA COUNTY Consumer Credit Counseling Service 185 Elmira Street of Northeastern Pennsylvania P.O. box 218 Human Services Building Troy, PA 16947 641 Wyoming Avenue Box 168 Stanton, PA 18501 C-ennan Street (717) 342-1072 or (800)822-9537 P.O. Box 389 FAX (717) 342-8040 Oushore, PA 18614 (717) 928-9668 31 W. Market Street Wilkes-Barre, PA 18702 (717) 821-0837 or (800) 922-9537 FAX (717) 821-1785 The Trehab Center of Northeastern Pennsylvania 7 Lake Avenue Box 339 Montrose. PA 18801 (717) 278-3338 or (800) 982=045 FAX (717) 278-1889 His Majesty Fellowship Church 207 Penn Ave. P.O. Box 104 Athens, PA 18810 (Wed: Fri.) (717) 888-6024 17 Crrton Street Wellsboro, PA 16801 (717) 7245252 602 %: Church Street P.O. Box 97 Honesdale, PA 18431 (717) 836-6640 103 Warren Street P.O. Box 709 Tunkhannock, PA 186E7 r..-m0c=-C1PU=ciUPeGAS:A . imr 20 TIOGA COUNTY Consumer Credit Caunseffng.Service of Northeastern Peririsovanfa " Human Services Building 541 Wyoming Avenue Box 188 Scranton, PA 18501 (717) 342-1072 or(800)922-9537 FAX (717) 342-8040 185 E3mfra Street 'P.O, box 218 Tray, PA 16947 _ Geffnan Street P.O. Box 389 Dushore, PA 18614 (717)928-9668 31 W. Market Street Wilkes-Barre, PA 18702 (717) 821-0837 or (800) 922-9537 FAX (717) 821-1785 The Trehab Center of Northeastern Pennsylvania 7 Lake Avenue Box 339 Montrose, PA 18801 (717) 278-3338 or (800) 982-1045 FAX (77 17) 278-1889 His Majesty Fellowship Church 207 Penn Ave. P.O. Box 104 Athens, PA 18810 (Wed: Fri.) (717)888.6024 17 Crafton Street Wellsbom, PA 16901 (717) 724-5252 602'/: Church 91reer P.O. Box 97 Homesdale, PA 18431 (717) 836-6840 103 Warren Street P.O. Box 709 Tunkhannock,PA 1865-7 Lycominc-Clinton Counties Commission for Community Acton (STET) 2138 Uncaln Street P.O. Box 1328 Williamsport, PA 17-703 (717) =-2197 UNION COUNTY Consumer Credit Counseling Service of Western Pennsylvania, Inc. 500-02 3rd Avenue Post Office box 278 Duncansvilie, PA (814) 696-3546 21 VENANGO COUNTY Greater Erie Community Warren-Forrest Counties Ecanamie Alan Committee Opportunity Council 18 West 9th Street 1209 Pennsylvania Avenue, West P.O. Box 547 Ede, PA 16501 Warren, PA 16365 (814) 4x9-4581 (814) 726-2400 FAX (814) 456-0161 FAX (814) 723-0510 Greater Erie Community Action Committee 18 West 9th street Eire, PA 16501 (814) 459.4581 FAX 9814) 4566-0161 WASHINGTON COUNTY Acton Pausing, Inc. Housing 0oportunities. Inc. Number Two Gaev -y Center 133 Seventh Street 9th Ficar McKeesport. PA 15132 Pittsburgh, PA 15222 (412) 66-4-1590 (412) 391-1956 FAX (412) 664-0873 Community Aeon Southwest Man-Valley Unemployed Committee 22 West High Street 120 9th Avenue Waynesburg, PA 15370 Homestead, PA 15120 (412) 852-2893 (412) 482-9962 Consumer Credit Counselina Service or We_stem Pennsylvania, Inc. 1 North Gate Square 2 .Garden Center Orive Greensburg, PA 156601 nnoatrrrs?mucvaua.6s?.?rn?.rar ?? Consumer Credit Counseling Service = of Northeastern Pennsylvania Human Services Building 541 Wyoming Avenue sox 188 Stanton, PA 18501 (717) 342-1072 or(800)922-9537 FAX (717) 342-8040 31 W. Market Street Mikes-fare, PA 18702 (717) 821-0837 or (800) 922-9537 FAX (717) 821-1785 The Trehab Center of Northeastern Pennsylvania 7 Lake Avenue Box 339 Montrose, PA 18801 (717) 278-3338 or(800)982-4045 FAX (717) 278-1889 WAYNE COUNTY 185 Elmira Street P.O. box 218 Troy, PA 16947 (717) 297-2101 German Street P.O. Box 389 Oushore, PA 18614 (717) 928-96668 His Majesty Fellowship Church 207 Penn Ave. P.O. Box 104 Athens, PA 18810 (Wed.-Fri.) (717) 888-0024 17 Crofton Street Wellsboro, PA 16901 (717) 724-52E2 602 % Church Street P.O. Box 97 Homesdale, PA 18431 (717) 836-6840 103 Warren Street P.O. Box 709 Tunkhannack. PA 18657 (717) 836-6840 r!normcrsivuntamix--Mcrglra 23 Action Housing, Inc. Number TWo Gateway Center 9th Floor Pittsburgh, PA 15222 (412) 391-1956 Community Aatian Southwest 22 West High Street Waynesburg, PA 15370 (412) 852-2893 WESTMORELAND COUNTY Indiana County Community - Action Program - 827 Water Street Box 187 Indiana, PA 15701 (412) 465-2657 FAX (412) 465-5118 Consumer Credit Counselina Service of Western Pennsylvania, Inc, 1 North Gate Square 2 Garden Center Drive Greensburg, PA 15601 Housing Opportunities, Inc. 133 Seventv Street McKeesport PA 15132 (412) 684-15G-0 FAX (412) 664-0873 Keystone E^..anamic Development Carp. 1954 Mary Grace Lane Johnstown, PA 15901 (814) 535-6556 FAX (814) 539-1888 Mon-Valley Unemployed Committee 120 E. 9th Avenue Homestead, PA 15120. (412) 462-9962 Tableland Services. Inc. 131 Nardi Center Avenue Somerset. PA05501 (814) 445-9628 FAX (814) 443-3690 r.+ma?srsweucran?osecrs1N 24 Consumer Credit Counseling Service of Ncrtheastem Pennsylvania Human Services Budding 541 Wyoming Avenue Sax 168 Scranton, PA 18501 (717) 342-1072 or (8(30)922-9537 FAX (717) 3424040 31 W. Market Street Wilkes-Barre, PA 18702 (717) 821-0837 or (800) 922-9537 FAX (717) 821-1785 The Trehab Center of Northeastern Pennsylvania 7 Lake Avenue Box 339 Montrose, PA 18801 (717) 278-3338 or (800) 982-3045 FAX (717) 278-1889 Commission on Economics Opportunity of Lraeme County 211-213 South Main Street Wilkes-Barre, PA 18701 (717) 826-0510 or (800) 822-0359 FAX (717) 8299-1665 call before faxing (717) 455-4994 Hazeltan FAX (717) 455-5631 - call before faxing (711 836-4090 Tunkhannook WYOMING COUNTY 186 Elmira Street P.O. box 218 Troy, PA 16947 (717) 821-1785 German Street P.O. Box 389 Oushare, PA 18614 (717) 928-9668 His Majesty Fellowship Church 207 Penn Ave. P.O. Box 104 Athens, PA 18610 (Wed: Fri.) (717) 888-6024 17 Crafton Street Weilsbam, PA 16901 (717)724-5252 602 % Church Street P.O. Box 97 Hornesdale, PA 18431 (717)836.6840 103 Warren Street P.O. Box 709 Tunkhannock, PA 186577 (717) 836-6840 rwoansr. L-UWJ,ra.rao uc:n1.rror 25 YORK COUNTY American Red Crass - Hanover Chapter Housing Council of York 529 Carlisle Sheet 116 Nadh George Street Hanover, PA 17331 York, PA 17401 (717) 637-3768 (717) 854-1541 FAX (717) 837-3294 FAX (717) 845-7934 Consumer Credit Counseling Service of Western Pennsylvania, Inc. 2000 Linglestown Road Harrisburg, PA 17102 (717) 541-1757 26 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE THE COMMONWEALTH OF PENNSYLVANIA'S HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM MAY BE ABLE TO HELP YOU. READ THE FOLLOWING NOTICE TO FIND OUT HOW THE PROGRAM WORKS. if you need more information call the Pennsylvania Housing Finance Agency at 1 (800) 342-2397 LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PLIES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. F` Do(:S4513?130 RUR FLL :CdNMX:101 DO: ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS Date: May 6, 1999 RE: Account No.: 72807530 TO: Dark E. Roberts 13 West Pine Street Mount Holly Springs, Pennsylvania 17065 PROPERTY: 13 West Pine Street Mount Holly Springs, Cumberland County, Pennsylvania 17065 FROM: Axel A. Shield, II, Esquire Attorney for The Bank of New York as Trustee under the Pooling and Servicing Agreement dated as of February 29, 1996, Series 1994-A You may be eligible for financial assistance that will prevent foreclosure on your mortgage if you comply with the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Act"). You may be eligible for emergency temporary assistance if your default has been caused by circumstances beyond your control, you have a reasonable prospect of resuming your mortgage payments, and if you meet other eligibility 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 entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with a representative of this lender, or with a designated consumer credit counseling agency. The purpose of this meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency. This meeting must occur in the next (30) days. If you attend a face-to-face meeting with this lender, or with a consumer credit counseling agency identified in this notice, no further proceeding in mortgage foreclosure may take place for thirty (30) days after the date of this meeting. The name, address and telephone number of our representative is The Money Store Kelly Deal 4111 South Darlington, Suite 800 Tulsa, Oklahoma 74135 Telephone (888) 791-2070 or (918) 280-2700 ext. 2887 Fax (918) 280-2719 The names and addresses of designated consumer credit counseling agencies are shown on the attached sheet. It is only necessary to schedule one face-to-face meeting. You should advise this lender immediately of your intentions. Your mortgage is in default because you have failed to pay promptly installments of principal and interest, as required, for a period of at least sixty (60) days. The total amount of the delinquency is $4,475.77. That sum includes the following: 7 payments of principal and interest @595.45 ........................ $4,168.15 6late charges @ 29.77 ............................................178.62 Corporate Advance Fee ............................................ 100.00 Accrued Returned Check Charges .....................................15.00 Recordation of Release ......................................... 14.00 TOTAL ...................................................... $4,475.77 If you have tried and are unable to resolve this problem at or after your face-to- face meeting, you have the right to apply for financial assistance from the Homeowners' Emergency Mortgage Assistance Fund. In order to do this, you must fill out, sign and file a completed Homeowners' Emergency Assistance Application with one of the designated consumer credit counseling agencies listed on the attachment. As application for assistance may only be obtained from a consumer credit counseling agency. The consumer credit counseling agency will assist you in filling out your application and will submit your completed application to the Pennsylvania Housing Finance Agency. Your application must be filed or postmarked, within thirty (30) days of your face-to-face meeting. 3 It is extremely important that you file your application promptly. If you do not do so, or if you do not follow the other time periods set forth in this letter, foreclosure may proceed against your home immediately. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. It is extremely important that your application is accurate and complete in every respect. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that additional time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by that Agency of its decision on your application. The Pennsylvania Housing Finance Agency is located at 2101 North Front Street, Post Office Box 8029, Harrisburg, Pennsylvania 17105. Telephone No. (717) 780-3800 or 1-800-342-2397 (toll free number). Persons with impaired hearing can call (717) 780-1869. In addition you may receive another notice from this lender under Act 6 of 1974. That notice is called a "Notice of Intention to Foreclose". You must read both notices, since they both explain rights that you now have under Pennsylvania law. However, if you choose to exercise your rights described in this notice, you cannot be foreclosed upon while you are receiving that assistance. Very truly yours, CM; BER, P By: Axel A. Shield, II, Esquire UNLESS YOU NOTIFY US IN WRITING WITHIN THIRTY (30) DAYS AFTER RECEIPT OF THIS LETTER THAT THE DEBT, OR ANY PART OF IT, IS DISPUTED, WE WILL ASSUME THAT THE DEBT IS VALID. IF YOU DO NOTIFY US OF A DISPUTE, WE WILL OBTAIN VERIFICATION OF THE DEBT AND MAIL IT TO YOU. ALSO UPON YOUR WRITTEN REQUEST WITHIN THIRTY (30) DAYS, WE WILL PROVIDE YOU WITH THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR IF DIFFERENT FROM THE CURRENT CREDITOR. THIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Consumer Credit Counseling Agency Notification To: Date: Name of Mortgagee Address In accordance with the Pennsylvania Homeowners' Emergency Mortgage Assistance Program (Act 91 of 1983), we have been approached for mortgage counseling assistance by: Name of Applicant Address Telephone Number Mortgage Loan Number Address of property on which mortgage is in default, if different from above. 5 The counseling agency met with the above named applicant on Date who have indicated that they are more than sixty days delinquent on their mortgage payments and have received notification of intention to foreclose from Name and Address of Mortgagee in accordance with the Homeowners' Emergency Mortgage Assistance Program, this is to inform you that : 1. If the delinquency cannot be resolved within the 30 day forbearance period as provided by law, the applicant listed above may apply to the Pennsylvania Housing Finance Agency for Mortgage Payment Assistance. 2. By a copy of this Notice, we are notifying all other mortgagees, if any, which the applicant has indicated as also having a mortgage on the property identified above. 3. It is our understanding that the 30 day forbearance period in which we are now in ends on 4. No legal action to enforce the mortgage may occur during this forbearance period, unless procedural time limits were not met by the homeowner. Name of Counseling Agency: Signer and Title Telephone Number PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES ADAMS COUNTY American Red Cross-Hanaver Chapter 529 Carlisle Street Hanover, PA 17331 (717) 637-3768 FAX : (717) 637-3294 Blair County Economic Opportunity Council 5433 Industrial Avenue Altoona, PA 16601 (814) 946-3651 FAX # (814) 946-5451 Action Housing, Inc. Number Two Gateway Canter 9th Fiaar Pittsburgh, PA 15'.)7 (412) 341-1956 Community Action Southwest 22 West Hich Street Waynesburg, PA 16370 (412) 852-2893 Consumer Credit Counseling Service of Western Pennsylvania. Inc. 309 Smithfield Street Pittsburgh, PA 15222 (412) 471-7584 Consumer Credit Ccunselina Service of Westem Pennsylvania. Inc. 500-02 3rd Avenue Post Office Box 278 Ouncansviile. PA (814) 696-3546 Consumer Credit Counseling Service of Western Pennsylvania, Inc. 2000 Linglestown Road Harrisburg, PA 17102 (717) 541-1757 Financial Services Unlimited 117 West 3rd Street Waynesboro, PA 17268 (717) 762-3285 ALLEGHENY COUNTY Housing Opportunities. Inc. 133 Seventh Street McKeesport, PA 1S 132 (412) 60'4 1!50 FAX 2 (412) 664-0873 Man-Valley Unemployed Committee 120 E. 9th Avenue Homestead, PA 15120 (412) 462-9962 Urban League of Pittsburgh, Inc. building For Equal Opportunity One Smithfield Street Pittsburgh, PA 1522-2222 (412) 261-1130 FAX T (412) 261-6207 ARMSTRONG COUNTY Indiana County Community Action Program 827 Water Street Box 187 Indiana, PA 15701 (412) 465-2657 FAX # (412) 465-5 118 r:`mCBrrsueuaraaea C-79t"w BEAVER COUNTY Action Housing, Inc. Housing Opportunities of Beaver Number Two Gateway Center County, Inc. 9th Hoar 334 Insurance Street Pittsburgh, PA 15222 Beaver, PA 15009 (412) 391-1956 (412) 728-7511 Consumer Credit Counseling Service Man-Valley Unemployed Committee of Wester Pennsylvania, Inc. 120 E. 9th Avenue 524 FrankUn Avenue Homestead, PA 15120 Franklin Center (412) 762-9962 Aliquippa, PA 15001 BEDFORD COUNTY Eedfard-Fultan Housina_ Services Tableland Services. Inc. R.D. 1, Box 284 131 North Center Avenue Everett PA 15537 Somerset. PA 15501 (814) 623-9129 (614) 445-9628 FAX T (814) 442 2890 Consumer Credit Counseling Service Weathenzation Office of Western Pennsvivania. Inc. 917 Mifflin Street 500-02 3rd Avenue Huntinadon, PA 16652 Post Office Box 278 Ounc'ansviile. PA (814) 696-3546 Kevstone Economic Oevelaoment Comoratian 1954 Mary Grace Lane ichnstown. PA 15901 (814) 635.6656 FAX # (814) 539-1638 BERKS COUNTY Eudoet Counseling Canter Economic Opportunity Cabinet of 247 North Firltt Street Schuylkill County Reading, PA 19601 118 Norweioian Street (215) 275-7866 Pottsville, PA 17901 FAX (215) 3766675 (717) 622-1995 FAX m (717) 622-0429 "MacsUrr-c7muns MCAn.Ac 1u Consumer Credit Counseling Service of Lehigh Valley - 3671 Crescent Court East Whitehall, PA 18052 (610) 821-4011 or 1 (800) 220-2733 (717) and (814) ONLY fax* (215) 821-0137 L2 Case Del Pueblo 815 W. Baltimore Pike Kennett Square, PA 19348 (215) 444-3731 FAX # (215) 444-3178 BLAiR COUNTY Bedford-Fulton Housing Services R.D. 1, Box 384 Everett, PA 15537 (814) 623-9129 FAX T (814) 623-7187 Blair County Economic Opportunity Council 5433 Industrial Avenue Altoona. PA 16601 (814) 946-3651 FAX-, (814) 946-5451 Consumer Credit Counselina Service of Western Pennsylvania, Inc. 500-02 3rd Avenue Post Office box 278 Duncanville, PA (814) 696-3546 Keystone Economic Development Corporation 1954 Mary Grace Lane Johnstown, PA 15901 (814) 536-6=6 FAX ;" (814) 539-1688 Weatherization Office 917 Mifflin Street Huntingdon, PA 16652 BRADFORD COUNTY Consumer Credit Counselina Service of Northeastern Pennsylvania Human Services Su7dino ?41 Wyoming Avenue Box 168 Stanton, PA 18501 (717) 342-1072 or 1 (800) 922-9537 FAX : (717) 342-8040 31 W. Market Street Wilkes-bane, PA 18702 (717) 821-0837 or 1 (800) 922-9537 FAX R (717) 821-1785 His Majeery Fellowship Church 207 Penn Ave. P.O. Box 104 Athens. PA 18810 (Wed: Fri.) (717) 888-0024 17 Crofton Street Wellsboro. PA 16901 (7177) 724-5252 VM0QSTCWV2L QX9CL0SVX9I.N= The Trehab Center of Northeastern Pennsylvania 7 Lake Avenue Box 339 Montrose, PA 18801 (717) 278-3338 or 1 (800) 982-4045 FAX # 717) 278-1889 185 Elmira Street P.O. Bgx21a Troy, PA 16947 (717) 297-2101 German Street P.O. Box 389 Oushore, PA 18614 (717) 928-9668 Acorn Housing Corporation 846 North Broad Street Philadelphia, PA 19130 (215) 765-1221 FAX-, (215) 765-1427 AM Credit Counseling Institute 144 East Dekafb Pike, Suite 100 King of Prussia, PA 19406 (610) 354-99212 Bucks County Housing Group, Inc. 140 East Richardson Avenue Langhorne. PA 19047 (•215) 750.4310 FAX :(215) 7517-4318 Hispanic Association of Contractors & Enterprises 2921-27 North 6th Street Philadelphia, Pa 19133 (215) 426-0025 FAX : (215) 426-8027 602%Chruch Street P.O. Box 97 Homesdale, PA 18431 (717) 268-4987 103 Warren Street P.O. Sox 709 Tunkhannock, PA 18657 (717) 836-6840 BUCKS COUNTY Consumer Credit Counseling Service of Delaware Valley 1211 Chestnut Street, Suite 400 Philadelphia. PA 19107 (215) 563-Sere FAX # (215) 8642666 Consumer Credit Counseling Service of Lehigh Valley 3671 Crescent Court East Whitehall, PA 18052 (610) 821-4011 or 1 (800) 220-2733 (717) and (814) ONLY FAX,: (215) 821-0137 4 BUTLER COUNTY Action Housing Inc Number Two Gateway Center 9th Floor Pittsburgh, PA 15222 (412) 391-1956 Housing. Opportunities, Inc 133 Seventh Street McKeesport, PA 15132 (412) 664-1590 FAX # (412) 6644673 Consumer Credit Counseling Service of Western Pennsylvania, Inc. YMCA Building 339 North Washington Street Butler, PA 16001 Bedford-Fulton Housing Services R.D. 1, Box 384 Everett, PA 15537 (814) 623-9129 FAX # (814) 623-7187 Consumer Credit Caunselina Service of Western Pennsylvania, Inc. 500-02 3rd Avenue Post Office Box 278 Duncansviile, PA (814) 696-3546 Indiana County Community Action Program 827 Water Street, Box 187 Indiana, PA 15701 (412) 465-2657 FAX # (412) 465-5118 Northern Tier Community Acton Corp. 135 W. Fourth Store*. Emporium, PA 15834 (814) 486-1161 FAX # (814) d86-3370 Man-Valley Unemployed Committee 120 E. 9th Avenue Homestead, PA 15120 (412) 462-9962 CAMBRIA COUNTY Keystone Economic Development Corporation 1954 Mary Grace Lane Johnstown, PA 15901 (814) 535-6550- FAX # (814) 539-1688 Tableland Services Inc. 131 Nonh Canter Avenue Somerset. PA 15501 (814) 445-9628 FAX # (814) d43-3690 CAMERON COUNTY Consumer Credit Counseling Service of Westem Pennsylvania, Inc. 500-02 3rd Avenue Post Office Box 278 Duncansville, PA (814) 696-3546 F-xKX= z-cvueucvoPxa.os CrV1 r CARBON COUNTY Economic Opportunity Cabinet Consumer Credit Counseling Service of Schuylkill County of Lehigh Valley 118 Norweigian Street 3671 Crescent Court Pottsville, PA 17901 East Whitehall, PA 18052 (7177) 622-1995 (610) 8214011 or 1 (800) 220-2733 FAX R (717) 622-0429 (717) and (814) ONLY FAX m (215) 821-0137 Consumer Credit Counseling Service Commission an Economics Opportunity of Northeastern Pennsylvania of Luzeme County Human Services building 211-213 South Main Street 541 Wyoming Avenue Wilkes=Barre, AP 18701 Box 168 (717) 826-0510 or 1 (800) 822-0359 Scranton, PA 18501 FAX R (717) 829-1685 (717) 342-1072 or 1 (800) 9=72-?537 Call before f Dina FAX m (717) 342-0040 (717) 836-1090 Tunkhannock 31 W. Market Street Wilkes-Barre, PA 18702 (717) 821-0837 or 1 (800) 922-95337 FAX # (717) 821-1785 CE.VME COUNTY Consumer Credit Ceunseiina Service Lycoming-Clinton Counties of Western Pennsylvania. Inc. Commission For Community 500-02 3rd Avenue Action (STEP) PCst Office Box 278 2138 Lincoln Street Duncansviile, PA. P.O. Box 1328 (814) 696-3546 Wiiliamsoon. PA 1777703 (717) 328-0567 FAX m (71 r) 322-2197 CHESTER COUNTY Acorn Housing Corporation La Cas Del Pueblo 846 North Broad Street 815 W. Baltimore Pike Philadelphia. PA 19130 Kennett Souare. PA 19348 (215) 765-121 (610) 4443731 FAX, (215) 765-,427 FAX m (610) 4443178 AM Credit Counseling Institute Media Fellowship house 144 East Dekalb Pike. Suite 100 302 S. Jackson sweet King of Prussia. PA 19406 Media, PA 19063 (610) 354992 (610) 565-0846 r: n?rsu9uvsanegos =I(ar Budget Counseling Center Philadelphia Council for Community 247 North Fifth Street Advancement Reading, PA 19601 100 North 17th Street (610) 375-7866 Suite 600 FAX # (610) 376-6676 Philadelphia, PA 19103 (215) 567-7803 FAX # (215) 963-9941 Consumer Credit Counseling Service Tabor Community Service, Inc of Delaware Valley 439 E. fling Street 1211 Chestnut street, Suite 400 Lancaster, PA 17602 Philadelphia, PA 19107 (717) 397-5182 or 1 (800) 788-5062 (215) 563-5665 (Homeowners only) FAX # (215) 864-2666 FAX # (717) 399.3127 Hispanic Assodadon of Contractors & Enterprises 2921-27 North 5th Street Philadelphia, PA 19133 (215) 426-8025 FAX A (215) 426-8027 CLARION COUNTY Consumer Credit Counseling Service of Western Pennsylvania. Inc. YMCA Building 339 North Washington Street Butler, PA 16001 (412) 282-7812 CLEARRELD COUNTY Keystone Economic Development Consumer Credit Counse!inc Service Corporation of Western Pennsylvania, Inc. 1954 Mary Grace Lane 500-02 3rd Avenue Johnstown, PA 15901 Post Office Box 278 (814) 535-6556 Ouncansviile. PA FAX # (814) 539-1688 (814) 696-3546 Indiana County Community Aeon Program 827 Water Street, Box 187 Indiana. PA 15701 (412) 465-2657 FAX # (412) 465-5118 ?!D0C=.CIAUBL=y0RFX=S Cr91.h= 7 CLINTON COUNTY Lycoming-Clinton Caundes Commission For Community Acton (SfE.a) 2138 Lincoln Street P.O. Box 1328 Williamsport PA 17703 (717) 326-0587 FAX ,°. (717) 322-2197 Consumer Credit Caunselino Service of Northeastern Pennsylvania Human Services Buldina_ 541 Wyoming Avenue Box 168 Scranton, PA 18501 (717) 342-1072 or 1 (800) 922-?637 FAX m (717) 342-8040 11 W. Market Street Wilkes-Barre, PA 18702 (717) 821-0837 or 1 (800) 922-9537 FAX m (717) 821-1,785 Booker T. Washington Canter 1720 Holland Street Erie, PA 16603 (814) 453-544 FAX ;. (814) 453-5749 Greater Eie Communiy A&= Committee 18 West 9th Street Eie, PA 16601 (814)459-4S81 FAX T (814) 455-0161 COLUMBIA COUNTY Commission an Ecanomics Opportunity of Luzeme County 211-213 South Main Stree*. Wilkes-Barre, PA 18701 (717) 826-0510 or 1 (800) 822-0359 FAX ;r (717) 829-1665 Call before faxino (717) 456-4994 Hazelton FAX m (71 r) 456-°651 Call before faxing (717) 839'-1099 l unkhanncck CRAWFORD COUNTY John F. Kennedy Cancer, Inc. 2021 Esst20th Street Erie, PA 16510 (814) 898-0400 FAX -? (814) 898-1243 Shenanco Valley Urban Lescue. Inc. 601 Indiana Avenue Farrell, PA 16121 (412) 981-5310 rom9stia-aueucvane9 9s&C.191 nm 8 CUMBERLAND COUNTY Consumer Credit Counseling Service of Western Pennsylvania, Inc 2000 Unglesiawn Road Harrisburg, PA 17102 (717) 541-1757 Financial Services Unlimited 117 West 3rd Street Waynesboro, PA 17268 (717) 762-3285 Consumer Credit Counseling service cf Western Pennsylvania, Inc. 2000 Ungiestown Road Harrisbruc, PA 17102 (717) 541-1757 Acorn Housing Corporation 646 North Broad Street Philadelphia. PA 19130 (215) 765-1221 FAX (215) 765-1427 Urban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, PA 17101 (717) 234-5925 FAX * (717) 232-4985 YWCA of Carlisle 301 G Street Carlisle, PA 17013 (717) 243-3818 FAX * (717) 243-3948 DAUPHIN COUNTY Urban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, PA 17101 (717) 2345925 FAX m (717) 232-1985 DELAWARE COUNTY la Cas Del Pueblo 815 W. Baltimore Pike Kennett Square. PA 19348 (610) 444-3731 FAX R (610) a44-3178 AM Credit Counseling Institute 144 East Dekalb Pike, Suite 100 King of Prussia, PA 19406 (610) 354-5922 Consumer Credit Counseling Service of Oe e^ware Valley 1211 Chestnut street, Suite 400 Phiiadelphia. PA 19107 (215) 563-5665 FAX # (215) 864-266666 Media Fellowship house 302 S. Jackson street Media, PA 19063 (610) 555-0846 Philadelphia Ccuncl for Community Advancement 100 North 17th Street Suite 600 Philade!phia, PA 19103 (215) 567-7803 FAX R (215) 963-6041 rem or_ r CTMUCFONECLOS 07I. Hispanic Association of Contractors & Enterprises 292147 North 5th Street Philadelphia, PA 18133 (215) 426-8026 FAX # (215) 426-8027 Northern Tier Community Action Corp. 135 W. Fourth Street Emporium, PA 15834 (814) 486-1161 FAX : (814) 486-3370 Booker T. Washington Center 1720 Holland Street Mie, PA 16503 (814) 8984400 FAX # (814) 453-5749 Jahn F. Kennedy Canter, Inc. 2021 Esst20thStreet Eie, P.4,16510 (814) 898-0400 FAX # (814) 8989-1243 Acton Housinc Inc. Number Two Gateway Center Sth Ficor Pittsburgh, PA 15222 (412) 391-1956 Community Action Southwest 22 West Hich Street Waynesburg , PA 15370 (412) 852-2893 ELK COUNTY John F. Kennedy Center, Inc. 2021 E3st20th Street Ele, PA 16510 (814) 898-0400 FAX # (614) 898-1243 ERIE COUNTY Greater Erie Community Action 18 West 9th Street Erfe. PA 16501 (814) aS9-r581 FAX m (814) 456-0161 FAYETTECOUNTY Committee Fayette County Community Action Agency, Inc. 137 North Beeson Avenue Uniontown, PA 15401 (412) 437-0050 Ect 38 or 1 (800) A274NFO FAX m (412) 437-1418 Tableland Services Inc. 131 North Center Avenue Somerset PA 15501 (814) 445-9628 FAX # (814) 443-3690 10 Consumer Credit Counseling Service Man-Valley Unemployed Committee of Western Penneylvar W Inc' 120 E. 9th Avenue- . 1 North Gate Square Homestead, PA 15120 2 Garden Center Drive (412) 462-9962 Greensburg, PA 16601 FOREST COUNTY Warren-Forrest Counties Economic Opportunity Council 204 Liberty Street Past Office Box 547 Warren, PA 16365 (814) 726-2400 FAX T (814) 723-0510 FRANKLIN COUNTY Financial Services Unlimited Consumer Credit Counselina Service 117 West 3rd Street of Western Pennsylvania. Inc. Waynesboro, PA 17268 912 South George Street (717) 762-3285 YarK PA 17403 YWCA of Carlisle American Red Crass - Hanover Chapter 301 G Street 529 Carlisle Street Carlisle. AP 17013 Hanover, PA 17331 (717)243-3818 (717) 637-3765 FAX : (717) 243-3948 FAX* (717) 637-3294 FULTON COUNTY Bedford-Fultan Housina Services Consumer Credit Caunse!ino Service R.D. 1, Box 384 of Western Pennsvlvania. Inc. Everett: PA 15537 912 South Geora_e Street (814) 623-9129 York, PA 17403 FAX T (814) 623-7187 Financial Services Unlimited 117 West 3rd Street Wavnesboro, PA 17268 (717) 762-3285 GREMNE COUNTY Action Housing, Inc. Community Acdon Southwestern Number Two Gateway Center 22 West H!ah Street 9th Fiaor Waynesburg, PA 153370 Pittsburgh, PA 15211 (412) 652-2893 FAX (412) 627-777 13 r..-MQ=wncwraucx9nt9=sAcvitmr I1 Mon-Valley Unemployed Committee _...,., Consumer Credit Counseling Service. _ 120 E. 9th Avenue of Western Pennsylvania,' Inc, Homestead, PA 15120 1 North Gate Square - (412) 462-9962 2 Garden Center Ortve Greensburg, PA 16601 HUNTINGDON COUNTY Sedfard-Fuitan Housing Services Weatherization Office R.D. 1, Box 384 417 Mifflin Street Everett, PA 15,337 Huntingdon, PA 16662 (814) 623-4129 (814) 643-2343 FAX m (814) 623-7187 Consumer Credit Counseling Service Indiana County Community Action of Western Pennsylvania, Inc. Program. 500-02 3rd Avenue 827 Water Street, Box 187 Post Office Box 278 Indiana, PA 15701 Duncanville, PA (412) 465-26577 (814) 646-3546 FAX # (412) 465-5118 Consumer Credit Caunselino Service Keystone Economic Development of Western Pennsylvania, Inc. Corporation 1 North Gate Square 1854 Mary Grace Lane 2 Garden Center Drive Johnstown, PA 15901 Greensburg, PA 15501 (814) 535-6556 FAX :(814)539-1688 JEFFERSON COUNTY John F. Kennedy Center, Inc. Indiana County Community Aron 2021 East 20th Street Pcaram Ede, PA 16510 827 Water Street Box 187 (814) 848-0400 Indiana, PA 15701 FAX -1 (814) 8998-1243 (412) 465-2657 FAX : (412) 466 118 Consumer Credit Counselina Service Pf Western Pennsylvania. Inc. YMCA Buiidina 339 North Washington Street Butler, PA 16001 - (442) 282-7812 Vnocswnc maucsoeeoasuc Ivr 12 JUANITA COUNTY--: - Consumer Credit Counseling Service Weatherimtion Office of Western Pennsylvania, Inc. 917 Mifflin Street 500-02 3rd Avenue Huntingdon, PA 16652 Post Office Box 278 (814 643-2343 Ouncanswlle, PA (814) 696-3546 LACKAWANNA COUNTY Consumer Credit Counseling Service Consumer Credit Counseling Service of Northeastem Pennsylvania, Ina of Northeastern Pennsylvania, Inc. Human Services Building 31 W. Market Street 541 Wyoming Avenue Wilkes-Barre, PA 18702 Box 168 (717) 821-0837 or (800) 9227-9537 Scranton, PA 18501 FAX (717) 821-1785 (717) 342-1072 or (800) 922-9537 FAX (717) 342-8040 LANCASTER COUNTY La Casa Oe! Puebla Consumer Credit Counselina Service 815 W. Baltimore Pike of Wester%Pennsyivania. Inc. Kennett Square, PA 19348 912 South Gecra_e Street (215) 444-3731 York, PA 17403 FAX (215) 444-3178 Consumer Credit Counselina Service Tabor Cammunity Se vices, Inc. of Lehigh Valley 439 E. King Street 3671 Crescent Court Lancaster, PA 17602 East Whitehall, PA 18052 (717) 397-5182 or (800) 788-5062 (Homeowners only) FAX (717) 399-4127 LAWRENCE COUNTY Consumer Credit Counseling Service Shenaao Valley Urban League. Inc. of Wes' am Pennsylvania. Inc. 601 Ind!ana Avenue 1st Federal Plaza, Suite 406 Farrell, PA 161121 North Mill Street (412) 981-5310 New Castle, PA 16101 r^a0awacwuscxcTCRean5ucn1rg 13 I P9ANON COUNTY. Economic Opportunity Cabinet of Schuylkill County 118 Norweigian Street Pottsville, PA 17901 (717) 622-1995 FAX (717) 622-0429 Consumer Credit Counseling Service of Lehigh Valley 3671 Crescent Court East Whitehall, PA 1805 (215) 821-4011 or (800) 2220-2733 (717) and (814) ONLY FAX (215) 821-0127 Commission an Economics Opportunity Of Luzeme County 211-213 South Main street Wilkes-Barre. PA 18701 (717) 826-0510 or (800) 822-0359 FAX (717) 829-160'5 (call before faxing) (717) 465-4994 Hazeiton FAX (717) 46-E-59631 (cail before faxing) (717) 836-4090 Tunkhannock Tabor Community Services, Inc. 439 E. IOng Street Lancaster, PA 176Q2 (717) 397-5182 or (800) 788-5062 (Homeowners only) FAX (717) 399-4127 LEHIGH COUNTY Economic Opportunity Cabinet of Schuylkill County 118 Norweiaian Street Pottsville, PA 17901 (717) 622-1995 FAX (717) 622-0429 LUZZNE COUNTY Consumer Credit Counseiino Service of norrheastep Pennsylvania Human Resources 8uiidina 541 Wyoming Avenue Box 168 Scranton, PA 18501 Scranton, PA 18501 (717) 342-1072 or (800) 922-9537 FAX (717) 242-8040 31 W. Market Street Wilkes-Barre. PA 18702 (717) 621-0837 or (800) 922-9537 FAX (717) 821-1785 Economic Opportunity Cabinet or Schuylkill County 118 Norwel Tian Street Pottsville. PA 17901 (717)622-,995 FAX 9717) 622-0429 14 LYCOMING COUNTY Consumer Credit Counseling Service Lycoming-Clinton Counties of Northeastern Pennsylvania Commission for Community Action Human Services Building " (STEP) 541 Wyoming Avenue 2138 Uncoin Street - Box 168 P.O. Box 1328 Scranton, PA 18501 Williamsport, PA 177703 (717) 342-1072 or (800) 822-9537 (717) 326-0587 FAX (717) 342-0040 FAX (717) 322-2197 31 W. Market Street Wilkes-Barre, PA 18702 (717) 821-0837 or (800) 922-9537 FAX (717) 821-1785 MCKEAN COUNTY John F. Kennedy Center, Inc. Northem Tier Community Action Corp. 2021 East 20th Street 135 W. Fourth Stree*-- Eie, PA 16510 Emporium, PA 15,934 (814) 898-0400 (814) 486-1161 FAX (814) 898-1243 FAX (814) 486-3370 MONTGOMERY COUNTY Acam Housing Corporation Eudaet Counse!!ng Canter 646 North Broad Street 247 North Firth Street Philadelphia, PA 19130 Reading, PA 19601 (216) 766-1221 (215) 375-7866 FAX (215) 765-1427 FAX (215) 376-65775 AM Credit Counseline Institute Communitv Action 144 East Dekalb Pike, Suite 100 Development Commission Kina of Prussia, PA 19406 113 Fsst Main Street (610) 354-9922 Norristown, PA 19401 (215)27-i-6363 FAX (215) 277-2123 Consumer Credit Counse!!na Service of Delaware County 1211 Chestnut Street, Suite 400 Media Fe!lowshio House Philadelphia, PA 19107 302 S. Jackson Street (215) 563-5665 Media. PA 19063 Fax (215) 864-2666 (215) 595-0846 La Casa De! Pueblo Philadelphia Counsel for 815 W. Baltimore Pike Community Advancement Kennett Square, PA 19348 100 North 17th Street, Suite 600 (216) 44-3731 Philede!phia, PA 19103 FAX (215) 4443178 (215) 567-7803 FAX (215) 963-9941 rrm6su -CweucvoRea.oauC79it46r 15 Consumer Credit Counseling Service of Northeastern Pennsylvania Human Services Building 541 Wyoming Avenue Box 168 Scranton, PA 18501 (717) 342-1072 or (800) 922-9537 FAX (717) 342-8040 Consumer Credit Counselina_ Service of Lehigh Valley 3671 Crescent Court East Whitehall, PA 18052 (215) 821-1011 or (800) 220-2733 (717) and (814) ONLY FAX (215) 821-0137 MONTOUR COUNTY Consumer Credit Counseling Service of Northeastern Pennsylvania Human Services Building 31 W. Market Street Wilkes-Earre, PA 18702 (717) 821-0837 or (800) 922-9537 FAX (717) 821-1785 NORTHAMPTON COUNTY NORTHUMEERLANO COUNTf Consumer Credit Counseiina Service of Northeastern Pennsylvania Human Services Suildina_ 541 Wyoming Avenue Box 168 Scranton, PA 18501 (717) 342-1082 or (800) 922-9537 FAX (717) 342-8040 Consumer Credit Counseiina Service of Northeastern F=_nnsyivania Human. Services Euiidina_ 31 W. Market Street Wilkes-Barre, PA 18702 (717) 821-0837 or (800) 922-9537 FAX (717) 821-1785 E=gnomic Opportunity Cabinet of Schuvlkiil Counrv 118 Norweoian street Pottsville. PA 17901 (7177) 622-1995 FAX (717) 622-0429 r!na?szttiwnucvoeeaaacvv+ar 16 PERRY COUNTY Consumer Credit Counseling Service Weathertmilan Office of Westem Pennsylvania, Inc. 917 MIM[n Street 2000 Lingiestawn Road Huntingdon, PA 16652 Harrisburg, PA 17102 .(814) 643-2343 (717) 541-1757 YMCA of Carlisle Financial Services Unllmi6ed 301 G. Street 117 West 3rd Street Carlisle, PA 17013 Waynesboro, PA 17268 (717) 243-3818 (717) 762-3285 FAX (717) 243-3948 Urban League of Metropolitan Harrisburg 25 n. Front Street Harrisburg, PA 17101 (7717) 234-5925 FAX (717) 232-1985 PHILADELPHIA COUNTY Acorn Housing Corporation Housing Association of Delaware Valley 846 north Broad Street 1314 Chestnut Street, Room 900 Philadelphia. PA 19130 Philadelphia, PA 19107 (215) 765-1221 (215) 545-0010 FAX (215) 765-1427 FAX (215) 790-9132 AM Credit Counseling Institute 658 North Wafts Street 144 East De.4alb Pike, Suite 100 Philadelphia. PA 19123 IGng of Prussia. PA 19406 (215) 978-0224 (610) 354-2922 FAX (215) 765-7614 Centro Pedro CLaver Media Fellowshio House 3565 North 7th Strew: 302 S. Jackson Street Philadelphia, PA 19140 Media. PA 19063 (215) 227-7111 (610) 565-0846 FAX (215) 227-7117 Philadelphia Council for Consumer Credit Counseling Service Community Advancement of Delaware Valley 100 Nardi 17th Street. Suite 600 1211 Chestnut Street. Suite 400 Philadelphia, PA 19103 Philadelphia. PA 19107 (215) 557-7803 (215) 563-5665 FAX (215) 963-9941 FAX (215) 864-2666 Urban League of Philadelphia Hispanic Association of ContraCOrs 251-3 South 24th Street & Enterprises Philadelphia. PA 19103-5529 2921-27 North 51h Street (215) 731-4100 Philadelphia, PA 19133 FAX (215) 731-4112 (215)426-8025 FAX (215) 426-8027 I'D0C3Wr-cP0zLW"xEMMUCiquW 17 PIKE COUNTY Consumer Credit Counseling Service Northeastern Pennsylvania Consumer Credit Counseling Service Hu uman Services Building of Northeastern Pennsylvania 541 Wyoming Avenue 31 W. Market Street Wilkes-Barre PA 18702 168 Sax Scranton PA 18501 , (717) 621-0837 or (800) 922-4537 , (7177)342- 1072 or (800) 922-4537 FAX (717) 821-1785 FAX (717) 342-8040 POTTER COUNTY Northern Tier Community Action Corp. 135 W. Fourth Street Emporium, PA 15834 (814) 486-1161 FAX (814) 486-3370 SCHUYLMLL COUNTY Budget Counseling Center Economic Opportunity Cabinet 247 Nardi Filth Street of Schuylkill County Reading PA 19601 118 Norwegian Street (21S) 375-7866 Parlsviile. P.4 17901 FAX (215) 376-6575 (717) 6=2-1995 FAX 9717) 622-0429 Commission an t _.pnomic Opportunity of Luzeme County 211-213 South Main Street Wilkes-Barre, PA 18701 (717) 826-0510 or (800) 822-0359 FAX (717) 829-1665 call before fxina (717) 4551994 Haze!ton FAX (7717) 455-5631 =11 before faxing (717) 836--1090 Tunkhannock SNYOER COUNTY Consumer Credit Counseling Service Of Western Pennsylvania, Inc 2000 Unglest town Road Harrisburg, PA 17102 (717) 541-1757 F'?6C?TT{W1ll1Ci6REg.031AC.?IlI6i' i3 SOMERSET COUNTY Bedford-Fulton Housing Services -ICeystone Economic Development Corp. R.D. 1, Box 384 1954 Mary Grace Lane Everitt, PA 15x37 Johnstown, PA 15901 (814) 623-9129 (814) 535.6556 FAX (814) 623-7187 FAX (814) 539-1688 Consumer Credit Counseling Service Tableland Services, Inc. of Western Pennsylvania, Inc. 131 North Center Avenue 1 North Gate Square Somerset, PA 15501 2 Garden Center Drive (814) 445-9628 Greensburg, PA 15601 FAX (814) 443-3690 SULLVAN COUNTY Consumer Credit Counseling Service German Street of Northeastern Pennsylvania P.O. Box 389 Human Services Suridina Oushore, PA 18614 541 Wyoming Avenue (717) 928-9668 Box 168 Scranton, PA 18501 (717) 342-1072 or (800) 922-9537 His Majesty Fellowship Church FAX (717) 342-8040 207 Penn Ave! P.O. Box 104 Athens, PA 18810 (Wed.-Fri.) (717) 888-6024 31 W. Market Street Wilkes-Barre, PA 18702 (717) 821-0837 or (800) 922-9537 17 Caftan Street FAX (717) 821-1785 Wellsbaro, PA 16901 (717) 724-5252 The Trehab Center of Northeastern Pennsylvania 602 Y, Church Street 7 Lake Avenue P.O. Box 97 Box 339 Homesdale, PA 18431 Montrose. PA 18801 (717) 258-4987 (717) 278-3338 or (800) 982-1045 FAX (717) 278-1889 103 Warren Stree*. P.O. Box 709 185 Emir Street Tunkhannock, PA 18657 P.C. Box 218 (717) 836-0840 Troy, PA 16947 (717) 297-2101 V-Moeftsr-Cj- roRea,o¢uen1M= 19 SUSQUEHANNA COUNTY Consumer Credit Counseling Service 185 Elmira Street of Northeas?m Pennsyivania P.O. box 218 Human Services Budding Troy, PA 16947 e ..41 Wyammg Avenue Box 168 Stanton, PA 18501 (717) 342-1072 or(800)922-9537 FAX (717) 342-8040 31 W. Market Street Wickes-Barre, PA 18702 (717) 821-0837 or (800) 922-9537 FAX (717) 821-1785 The Trehab Center or Northeastern Pennsylvania 7 Lake Avenue Box 339 Mcrimse. PA 18801 (717) 278-3338 or (800) 982=045 FAX (717) 278-1889 German Street P.O. Sax 389 aushore, PA 18614 (717) 928-2688 His Majesty Fellowship Church 207 Penn Ave. P.O. Box 104 Athens, PA 18810 (Wed: Fri.) (717) 888-6024 17 Crafton Street Wellsboro, PA 16901 (717)724-5252 602 Y2 Churc?a Street P.O. Box 97 Homesdaie, PA 18431 (717) 836-6840 103 Warren Street P.O. Box 709 Tunkhannock, PA 18657 F-'nocwr-mru?CMUCAMAC.91?w 20 Consumer Credit CounseBng.Service i of Northeastem Perinsyhrania Human Services Building 541 Wyoming Avenue' Box 168 Scranton, PA 18501 (7 17) 342-1072 or (800)922-9537 FAX (717) 342-8040 31 W. Market Street Wilkes-Barre, PA 18702 (7 17) 821-0837 or (800) 922-9537 FAX (717) 821-1785 The Trehab Center of Northeastern Pennsylvania 7 Lake Avenue Box 339 Montrose. PA 18801 (717) 278-3338 or (800) 982-104_- FAX (117) 278-i8S9 TIOGA COUNTY 185 Elmira Street 'P.O. box 218 Troy, PA 16947 German Street P.O. Box 389 Oushore, PA 18614 (717) 928-9668 His Majesty Fellowship Church 207 Penn Ave. P.O. Box 104 Athens, PA 18810 (Wed: Fri.) (717) 888-0024 17 Crafton Street Wellsboro, PA 16901 (717) 7245252 602 % Chure:i $treet P.O. Sox 97 Homesdaie, PA 18431 (717) 8365840 103 Warren Street P.O. Box 709 Tunkhannock, PA 18657 LI/caminc-Clinton Counties Commission for Community Action (STEF) 2138 Uncoin Street P.O. Box 1328 Williamsoorr. PA 1777703 (717) 32Z-2197 UNION COUNTY Consumer Credit Counseling Service of Western Pennsyivenia, Inc. 500-02 3rd Avenue Post Office box 278 Ouncansviile, PA (814) 696-3546 FM0C7jr-CyL%UC70RX=$V.=1.Nar 21 VENANGO COUNTY Greater Erie Community Warren-Forrest Counties Economic Action Committee Opportunity Cgunai . -: 18 West 6th Street 1209 Pennsylvania Avenue, West P.O. Box 547 Erie, PA 16501 Warren, PA 16365 (814) 459-45581 (814) 726-2400 FAX (814) 4556-0161 FAX (814) 723-0510 Greater Eie Community Action Committee 18 Wes; Sth Street Ere, PA 16501 (814) 459-4581 FAX 9814) 456-0161 WASHINGTON COUNTY Acton Housing, Inc. Housing Opportunities, Inc. Number Two Gatenry Canter 133 Seventh Street 9th Floor McKeesport. PA 15132 Pittsburgh, PA 15222 (412) 664-1590 (412) 3391-1956 FAX (412) 6664-7872 Community Acon Southwest Mon-Valley Unemployed Committee 22 West High Street 120 9th Avenue Waynesburg, PA 15370 Homestead, PA 15120 (412) 85Z-2893 (412) 462-9962 Consumer Credit Counseiing Service Of We-gym Pennsylvania, Inc. 1 North Gate Square 2 Garden Center Drive Greensburg, PA 15601 F:11 xrnmicuonea:6su , 1v r ?17 Consumer Credit Caunseling Service of Northeastern Pennsylvania - Human Services Budding 541 Wyoming Avenue Box 168 Scranton, PA 18501 (717)342-1072 or(800)922-9537 FAX (717) 342.8040 31 W. Market Street Wakes-Barre, PA 18702 (717) 821-0837 or (800) 922-9537 FAX (717) 821-1785 The Trehab Center of Northeastern Pennsylvania 7 Lake Avenue Box 339 Montrose, PA 18801 (717) 278-3338 or (800) 982-4045 FAX (717) 278-7889 WAYNECCUNTY ~ 185 Qmira Street P.O. box 218 Troy, PA 16947 (717) 297-2101 German Street P.O. Box 389 Oushore, PA 18614 (717) 928-9668 His Majesty Fellowship Church 207 Penn Ave. P.O. Box 104 Athens. PA 18810 (Wed.-Fri.) (717)888-6024 17 Craftan Street Welisboro, PA 16901 (717)724-5252 602 Y_ Church Street P.O. Box 97 Homesdale, PA 18431 (717) 836-0840 103 Warren Street P.O. Box 709 Tunkhannock, PA 186577 (717)836-6'040 r.,oo?tirrc,.uecuasa?ana Cnl oc 23 WESTMORELAND COUNTY Action Housing, Inc. Iniifana County Community Number Two Gateway Canter Action Program 9th Floor 827 Water Street, Sax 187 Pittsburgh, PA 18722 Indiana, PA 15701 (412) 391-1958 (412) 465-2657 FAX (412) 465-5118 22 West High Street Waynesburg PA 15370 Keystone Economic Development Corp. , 1954 Mary Grace Lane (412) 882-2693 Johnstown, PA 15901 (814) 536-6556 FAX (814) 539-1688 Consumer Credit Counseling Service of Western Pennsylvania, Inc. 1 North Gate Square Mon-Valley Unemployed Committee 2 Garden Canter OAve 120 E. 9th Avenue Greensburg, PA 1U301 Homestead, PA 15120 . (412) 462-9962 Community Action Southwest Housing Opportunities, Inc. 133 Seventy Street Tableland Services. Inc. McKeesport. PA 15132 131 North Center Avenue (412) 664-1690 Somerset PR15501 FAX (412) 664-0873 (814) 445-9628 FAX (814) 443-3690 rr OCM-CAMucyou, Acryi /Qr 24 WYOMING COUNTY Consumer Credit Counseling Service of Northeastern Pennsylvania Human Services Building 541 Wyoming Avenue Box 168 Scranton, PA 18501 (717) 342-1072 or (8(30)922-9537 FAX(717)342-8040 31 W. Market Street Wilkes-Barre, PA 18702 (717) 821-0837 or (800) 922-9537 FAX (717) 821-1785 The Tmhab Center of Northeastern Pennsylvania 7 Lake Avenue Box 339 Montrose, PA 18801 (717) 278-3338 or (800) 982-4045 FAX (717) 278-1889 Commission an Economics Opportunity of Lraeme County - 211-213 South Main Street Wilkes-Barre, PA 18701 (717) 826-0510 or (800) 822-0359 FAX (717) 82B-1665 cad before faxina (717) 455-4994 Hazeltan FAX (717) 455-5631 call before farina (717) 836-4090 Tunkhannock 185 Elmira Street P.O. box 218 Troy, PA 16947 - (717)821-1785 German Street P.O. Box 389 Onshore, PA 18614 (717) 928-9668 His Majesty Fellowship Church 207 Penn Ave. P.O. Box 104 Athens, PA 18810 (Wed.-Fri.) (717) 888-6024 17 Crafton Street Welisboro, PA 16901 (717) 724-5252 602'/: Church Street P.O. Box 97 Homesdaie, PA 18431 (717) 836-6840 103 Warren Street P.O. Box 709 Tunkhannock, PA 186577 (717)836-6840 F1XK3=-CtN8LN0REQ,GS%C.gJ C 25 YORK COUNTY American Red Crows _ Hanover Chapter Housing Caunc7 of York -'`='•'* " $29 Carlisle street 416 North George Street - -y - Hanover, PA 17331 York, PA 17401 -- p17) 837788 (717) 854-1541 FAX (717) 637-3294 FAX (717) 845-7934 Consumer Credit Caunseling Service of Westem Pennsylvania, Inc. 2000 Unglestown Road Harrisburg, PA 17102 (717) 541-1757 26 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE THE COMMONWEALTH OF PENNSYLVANIA'S HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM MAY BE ABLE TO HELP YOU. READ THE FOLLOWING NOTICE TO FIND OUT HOW THE PROGRAM WORKS. If you need more information call the Pennsylvania Housing Finance Agency at 1 (800) 342-2397 LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. F' DCC5451 P 1 5 - i RO BFI.E:\DIW ACTT91 DOC ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS Date: May 6, 1999 RE: Account No.: 72607530 T0: Janet L. Roberts 13 West Pine Street Mount Holly Springs, Pennsylvania 17065 PROPERTY: 13 West Pine Street Mount Holly Springs, Cumberland County, Pennsylvania 17065 FROM: Axel A. Shield, II, Esquire Attorney for The Sank of New York as Trustee under the Pooling and Servicing Agreement dated as of February 29, 1996, Series 1994-A You may be eligible for financial assistance that will prevent foreclosure on your mortgage if you comply with the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Act"). You may be eligible for emergency temporary assistance if your default has been caused by circumstances beyond your control, you have a reasonable prospect of resuming your mortgage payments, and if you meet other eligibility 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 entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with a representative of this lender, or with a designated consumer credit counseling agency. The purpose of this meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency. This meeting must occur in the next (30) days. If you attend a face-to-face meeting with this lender, or with a consumer credit counseling agency identified in this notice, no further proceeding in mortgage foreclosure may take place for thirty (30) days after the date of this meeting. The name, address and telephone number of our representative is The Money Store Kelly Deal 4111 South Darlington, Suite 800 Tulsa, Oklahoma 74135 Telephone (888) 791-2070 or (918) 280-2700 ext. 2887 Fax(918)280-2719 The names and addresses of designated consumer credit counseling agencies are shown on the attached sheet. It is only necessary to schedule one face-to-face meeting. You should advise this lender immediately of your intentions. Your mortgage is in default because you have failed to pay promptly installments of principal and interest, as required, for a period of at least sixty (60) days. The total amount of the delinquency is $4,475.77. That sum includes the following: 7 payments of principal and interest @595.45 ........................ $4,168.15 6 late charges @ 29.77 ............................................ 178.62 Corporate Advance Fee ............................................100.00 Accrued Returned Check Charges ..................................... 15.00 Recordation of Release ......................................... 14.00 TOTAL ...................................................... $4,475.77 If you have tried and are unable to resolve this problem at or after your face-to- face meeting, you have the right to apply for financial assistance from the Homeowners' Emergency Mortgage Assistance Fund. In order to do this, you must fill out, sign and file a completed Homeowners' Emergency Assistance Application with one of the designated consumer credit counseling agencies listed on the attachment. As application for assistance may only be obtained from a consumer credit counseling agency. The consumer credit counseling agency will assist you in filling out your application and will submit your completed application to the Pennsylvania Housing Finance Agency. Your application must be filed or postmarked, within thirty (30) days of your face-to-face meeting. 3 It is extremely important that you file your application promptly. If you do not do so, or if you do not follow the other time periods set forth in this letter, foreclosure may proceed against your home immediately. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. It is extremely important that your application is accurate and complete in every respect. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that additional time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by that Agency of its decision on your application. The Pennsylvania Housing Finance Agency is located at 2101 North Front Street, Post Office Box 8029, Harrisburg, Pennsylvania 17105. Telephone No. (717) 780-3800 or 1-800-342-2397 (toll free number). Persons with impaired hearing can call (717) 780-1869. In addition you may receive another notice from this lender under Act 6 of 1974. That notice is called a "Notice of Intention to Foreclose". You must read both notices, since they both explain rights that you now have under Pennsylvania law. However, if you choose to exercise your rights described in this notice, you cannot be foreclosed upon while you are receiving that assistance. Very truly yours, CA N & By: UBE LR, LP Axel A. Shield, , Esquire UNLESS YOU NOTIFY US IN WRITING WITHIN THIRTY (30) DAYS AFTER RECEIPT OF THIS LETTER THAT THE DEBT, OR ANY PART OF IT, IS DISPUTED, WE WILL ASSUME THAT THE DEBT IS VALID. IF YOU DO NOTIFY US OF A DISPUTE, WE WILL OBTAIN VERIFICATION OF THE DEBT AND MAIL IT TO YOU. ALSO UPON YOUR WRITTEN REQUEST WITHIN THIRTY (30) DAYS, WE WILL PROVIDE YOU WITH THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR IF DIFFERENT FROM THE CURRENT CREDITOR. THIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Consumer Credit Counseling Agency Notification To: Date: Name of Mortgagee Address In accordance with the Pennsylvania Homeowners' Emergency Mortgage Assistance Program (Act 91 of 1983), we have been approached for mortgage counseling assistance by: Name of Applicant Address Telephone Number Mortgage Loan Number Address of property on which mortgage is in default, if different from above. 5 The counseling agency met with the above named applicant on Date who have indicated that they are more than sixty days delinquent on their mortgage payments and have received notification of intention to foreclose from Name and Address of Mortgagee In accordance with the Homeowners' Emergency Mortgage Assistance Program, this is to inform you that : 1. If the delinquency cannot be resolved within the 30 day forbearance period as provided by law, the applicant listed above may apply to the Pennsylvania Housing Finance Agency for Mortgage Payment Assistance. 2. By a copy of this Notice, we are notifying all other mortgagees, if any, which the applicant has indicated as also having a mortgage on the property identified above. 3. It is our understanding that the 30 day forbearance period in which we are now in ends on 4. No legal action to enforce the mortgage may occur during this forbearance period, unless procedural time limits were not met by the homeowner. Name of Counseling Agency: Signer and Title Telephone Number Address PENNSYLVANIA HOUSING FINANCE: AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES ADAMS COUNTY American Red Cross-Hanover Chapter 529 Carlisie Street Hanover, PA 17331 (717)637-3768 FAX ,# (717) 637-3294 Blair County Economic Opportunity Council 5433 Industrial Avenue Altoona, PA 16601 (814) 946-3651 FAX :(814) 946-5451 Consumer Credit Counseling Service of Western Pennsylvania, Inc. 2000 Unglestown Road Harrisburg, PA 17102 (717) 541-1757 Financial Services Unlimited 117 West 3rd Street Waynesboro, PA 17268 (717)762-3285 ALLEGHENY COUNTY Action Housing, Inc. Number Two Gateway Center 9th Floor Pittsburgh, PA 15222 (492) 391-1956 Community Action Southwest 22 West High Street Waynesburg, PA 15370 (492) 852-2893 Consumer Credit Counseling Service Of Western Pennsylvania, Inc. 309 Smithfield Street Pittsburgh, PA 15222 (492) 471-7584 Housing Opportunities, Inc. 133 Seventh Street McKeesport, PA 15132 (412)664-,eeo FAX 1"(412) 664-0873 Mon-Valley Unemployed committee 120 E. 9th Avenue Homestead, PA 15120 (412) 462-9962 Urban League of Pittsburgh, Inc building For Equal Opportunity One Smithfield Street Pittsburgh, PA 152?2-%??? (412) 261-1130 FAX 1"(412) 261 X207 ARMSTRONG COUNTY Consumer Credit Counseling Service of Western Pennsylvania, Inc. 500-02 3rd Avenue Post Office Box 278 Ouncansviile, PA (814) 696-3546 Indiana County Community Acdon Proorm 827 Water Street Box 187 Indiana, PA 15701 (412)465-2657 FAX 1" (412)465-5118 "D0C3 rtwueucvguc 3%AC'Mrar BEAVER COUNTY Action Housing, Inc. Number TWo Gateway Center 9th Rcor Pittsburgh, PA 15222 (412) 391-1956 Consumer Credit Counseling Service of Wester Pennsylvania, Inc. 524 Franklin Avenue Franklin Center Aliquippa, PA 15001 Eedfard-Fulton Housing Services R.D. 1, Box 384 Everett PA 15537 (814) 623-9129 Consumer Credit Ccunseiing Service of Western Pennsylvania. Inc. 500-02 3rd Avenue Post Office Box 278 Duncansviile. PA (814) 696-3546 Keystone Economic Development Corporation 11954 Mary Grace Lane Johnstown. PA 15901 (814) 53-5-6550- FAX :(814)539-160888 Housing Opportunities of Beaver County, Inc. 334 Insurance Street Beaver, PA 15009 (412) 728-7511 Mon-Valley Unemployed Committee 120 E. 9th Avenue Homestead, PA 15120 (412) 762-9962 BEDFORD COUNTY Tableland Services, Inc. 131 North Center Avenue Somerset, PA 15501 (814) 445-9628 FAX m (814) 443-3590 We=_theri<adon Offc3 917 Mifflin Streer Huntingdon, PA 16652 BERKS COUNTY Budoet Counseling, Canter 247 North Fifth Street Reading, PA 19601 (215) 375-7866 FAX A (215) 376-05-75 Economic Opportunity Cabinet of Schuylkill County 118 Norweigian Street Pottsville, PA 17901 (717) 622-1995 FAX m (717) 622-0429 remaur a"unroeraoMC.jjAcr Consumer Credit Counseling Service of Lehigh Valley - 3671 Crescent Court East Whitehall, PA 18062 (610) 8214011 or 1 (800) 220-2733 (717) and (814) ONLY fax R (215) 821-0137 Bedford-Fulton Housing Services R.D. 1, Box 384 Everett, PA 15537 (814) 623-4129 FAX m (814) 623-7187 Blair County Economic Opportunity Council 5433 Industrial Avenue Altoona, PA 16601 (814) 946-3651 FAX : (814) 946-5451 Consumer Credit Counselina Service of Western Pennsylvania. Inc. 500-02 3rd Avenue Post Office box 278 Duncansville, PA (814) 696-0546 Consumer Credit Counselina Service of Northeastern Pennsylvania Human Services Building ?41 Wyoming Avenue Box 168 Scranton, PA 18501 (717) 342-1072 or 1 (800) 922-9537 FAX R (717) 342-8040 31 W. Market Street Wilkes-Barre. PA 18702 (717) 821-0837 or 1 (800) 922-9537 FAX : (717) 821-1785 La Case Del Pueblo 815 W. Baltimore Pike Kennett Square, PA 19348 (215)444- 731 FAX # (215) 444 3178 BLAIR COUNTY Keystone Ecanomic Development Corporation 1954 Mary Grace Lane Johnstawn, PA 15401 (814)535-6550' FAX A (814) 539-1688 Weatherizatian Office 917 Mifflin Street Huntingdon, PA 16652 BRADFORD COUNTY His Majesty Fellowship Church 207 Penn Ave. P.O. Box 104 Athens. PA 18810 (Wed: Fri.) (717) 888-6024 17 C,afton Street Welisbom, PA 16901 (717) 724-5252 r^nuatsdcvuecrcwanFaasncz?.nm The Trehab Center of Northeastern Pennsylvania 7 Lake Avenue Box 339 Montrose, PA 18801 (717) 278-3338 or 1 (800) 982-4045 FAX # 717) 278-1889 185 Emit Street P.O. Box218 Troy, PA 16947 (717) 297-2101 German Street P.O. Box 389 Dushore, PA 18614 (717) 928 9608 Acorn Housing Corporation 846 North Broad Street Phiiadelphia. PA 19130 (215) 766-1221 F.AX m (215) 765-1427 AM Credit Counseling Institute 144 East Dekalh Pike, Suite 100 Kng of Prussia, PA 19406 (610) 354-9922 Bucks County Housing Group, Inc. 140 East Richardson Avenue Langhorne, PA 19047 (•215) 7506310 FAX # (215) 750-4318 Hispanic Associaticn of Contractors & Enterprises 2921-27 North 5th Street Philadelphia, Pa 19133 (215)425.8025 FAX # (215) 426-8027 .602% Chtuch Street.. P.O. Box 97 Homesdale, PA 18431 (717) 258-4987 103 Warren Street P.O. Box 709 Tunkhannock, PA 1863-/ (717) 83646840 BUCKSCOUNTY Consumer Credit Caunseling Service of Deiaware Valley 1211 Chestnut Street, Suite 400 Phiiadelphia. PA 19107 (215) 563-56w FAX # (215) 864-2666 Consumer Credit Counselino Service or Lehigh Valley 3671 Crescent Court East Whitehall, PA 16052 (610) 821-4011 or 1 (800) 220-2733 (717) and (814) ONLY FAX (215) 821-0137 Moc=CJ%=CroR=03ucni I CT BUTLC77 COUNTY Action Housing Inc. Number Two Gateway Center 9th Moor Pittsburgh, PA 15222 (412) 391-1956 Housing Opportunities, Ina 133 Seventh Street McKeesport, PA 15132 (412) 664-1590 FAX # (412) 664-0673 Consumer Credit Counseling Service of Westem Pennsylvania, Inc. YMCA Building 339 North Washington Street Butler, PA 16001 Bedfard-Fulton Housing Services R.D. 1, Box 384 Everett. PA 15537 (814) 623-9129 FAX # (814) 623-7187 Consumer Credit Counselina Service of Western Pennsylvania. Inc. 500-02 3rd Avenue Post Office Box 278 Duncansviile, PA (814) 696-3546 Indiana County Community Action Prnar•m 827 Water Street, Box 187 Indiana. PA 15701 (412) 465-26577 FAX # (412) 465-5118 Northam Tier Community Action Carp. 135 W. Fourth Street Emporium, PA 15834 (614) 486-1161 FAX # (814) 486-3370 Mon-Vailey Unemployed Committee 120 E. 9th Avenue Homestead, PA 15120 (412) 462-9962 CAMBRIA COUNTY Keystone Econcmic Deve!cpment Corporation 1954 Mary Grace Lane Johnstown, PA 15901 (814) 535-6556 FAX # (814) 539-1688 Tableland Services Inc. 131 North Canter Avenue Somerset. PA 15501 (814) 445-9628 FAX # (814) X43- :680 CAMERON COUNTY Consumer Credit Counse!ina Service of Western Pennsylvania. Inc. 500-02 3rd Avenue Post Office Box 278 Duncansville. PA (814) 696-3546 FDOCswr-apmuwo6 cu. crgi. CARBON COUNTY Economic Opportunity Cabinet Consumer Credit Counseling Service of Schuylkill County of Lehigh Valley - 118 Norweigian Street 3671 Crescent Court Pottsville, PA 17901 East Whitehall, PA 18052 (7177) 622-1945 (610) 8214011 or 1 (800) 220-2733 FAX : (717) 622-0424 (717) and (814) ONLY FAX # (215) 821-0137 Consumer Credit Counseling Service Commission on Economics Opportunity of Northeastern Pennsylvania of Luzeme County Human Services building 211-213 South Main Street 541 Wygming Avenue Wilkes-Barre, AP 18701 Box 168 (717) 826-0510 or 1 (800) 822-0359 Sc, enton, PA 18501 FAX A (717) 829-1665 (717) 342-1072 or 1 (800) 922-9537 Call before faxing FAX T (717) 342-0040 (717) 836-4090 Tunkhannock 31 W. Market Street Wilkes-Barre, PA 18702 (717) 821-0837 or 1 (800) 922-9537 FAX R (717) 821-1785 CENTRE COUNTY Consumer Credit Caunselino Service 1.11camina-0linton Counties of Western Pennsylvania. Inc. Commission For Community 500-02 3rd Avenue Action (STEP) Fast Office Box 278 2138 Lincoln Street Duncanville, PA P.O. Sax 1328 (814) 696-3546 Wlliamscort, PA 17-703 (717) 326-0587 FAX m (717) 322-2197 CHESTER COUNTY Acorn Housing Corporation La Cas Del Pueblo 846 North Broad Street 815 W. Baltimore Pike Philadelphia, PA 19130 Kennett Square, PA 19348 (215) 765-1221 (610) 444-3731 FAX m (215) 765-1427 FAX -1 (610) 4443178 AM Credit Counselino Institute Media Fellowshio house 144 East Dekalb Pike, Suite 100 302 S. Jackson street King of Prussia, PA 19406 Media, PA 19063 (610) 354-4922 (610) 565-0846 r:?naeu-rrrunucioee¢or..czi.r+ar Budget Counseling Center 247 North Fifth Street Reading, PA 19601 (610) 375-7866 FAX # (61(3) 376-6675 Consumer Credit Counseling Service of Delaware Valley 1211 Chestnut street, Suite 400 Philadelphia, PA 19107 (215) 563-5665 FAX # (215) 864-2666 Hispanic Association of Contractors 8 Enterprises 2921-27 North 5th Street Philadelphia, PA 19133 (215) 426-8025 FAX # (215) 426-8027 Consumer Credit Counseling Service of Western Pennsylvania. Inc. YMCA Suiidina 339 North Washington Street Euder, PA 16001 (412) 282-7812 Keystone Economic Development Corporation 1954 Mary Grace Lane Johnstown, PA 15901 (814) 635-6-=50- FAX # (814) 539-1888 Indiana County Communny Action Proarm 827 Water Street, Bax 187 Indiana, PA 15701 (412) 465-265-1 FAX # (412) 465-5118 Philadelphia Council for Community Advancement 100 North 17th Street Suite 600 Philadelphia PA 19103 (215) 567-7803 FAX # (215) 963-9941 Tahor Community Service, Inc. 439 E. King Street Lancaster, PA 17602 (717) 397-5182 or 1 (800) 788-5062 (Homeowners only) FAX # (717) 399-4127 CLARION COUNTY CLEARFIELD COUNTY Consumer Credit Counseling service of Western Pennsylvania, Inc. 500-02 3rd Avenue Post Office Box 278 Duncansviile, PA (814) 696-3546 •anoau:rsuaursan?asncn I r Lycoming-Clinton Counties Commission For Community Action (STE.a) 2138 Lincoin Street P.O. Box 1328 Williamsport, PA 177703 (717) 326-0687 FAX T (717) 322-2197 Consumer Credit Counselina Service of Northeastern Pennsylvania Human Services Buiidina_ 541 Wyoming Avenue Box 168 Scranton, PA 18501 (717) 342-1072 or 1 (800) 922-9537 FAX T (717) 342-53040 31 W. Market Street Wilkes-Barre, PA 18702 (717) 821-0837 or 1 (800) 92-9537 FAX R (717) 821-1765 Booker T. Washington Center 1720 Holland Street Eie, PA 16503 (814) 453-544 FAX # (814) 453-5749 Greater Eie Community Ac:ron Committee 18 WestEth Street Eie, PA 16501 (814)469-4E81 FAX : (814) 455-0161 CLINTON COUNTY COLUMBIA COUNTY Commission an Ecanamics Opportunity of Luzeme County 211-213 South Main Street Wickes-Barre, PA 18701 (717) 825-0510 or 1 (800) 822-0359 FAX (717) 829-166=- Call before faxina (7177) 455-4994 Hazelton FAX # (717) 45-8-5831 Call before faxina (717) 835-1096 Tunkhanncclt CRAWFORD COUNTY Jahn F. Kennedy Center, Inc. 2021 Fast 20th Street Erie, PA 16510 (814) 898-0400 FAX # (814) 898-1243 Shenanao Valley Urban League, Inc. 601 Indiana Avenue Farrell, PA 16121 (412) 981-5310 .Jr. rM 0c:=iVUBL=MKEcwS ' 1NQ CUMBERLAND COUNTY Consumer Credit Counseling Service Urban League of Metopoltan of Western Pennsylvania, Inc. Harrisburg 2000 Unglestawn Road 25 N. Front Street Harrisburg, PA 17102 Harrisburg, PA 17101 (717) 541-1757 (717) 2345925 FAX # (717) 232-4985 Financial Services Unlimited YWCA of Carlisle 117 West 3rd Street 301 G Street Waynesboro, PA 17268 Carlisle, PA 17013 (717) 762-3285 (717) 243-3818 FAX* (717) 243-3948 DAUPHIN COUNTY Consumer Credit Counseling Service Urban League of Metropolitan of Western Pennsylvania, Inc. Harrisburg 2000 Linglestown Road 25 N. Front Street Harrisbuug, PA 17102 Harrisburg, PA 17101 (717) 541-1757 (717) 2345925 FAX # ( 717) 232-1985 DELAWARE COUNTY Accm Housing Corporation L-. Cas Del Pueblo 846 North Broad Street 815 W. Baltimore Pike Philadelphia. PA 19130 Kennett Square, PA 19348 (215) 765-1221 (610) 4443731 FAX # (215) 765-1427 FAX # (610) 644-3178 AM Credit Counseling Institute Media Fellowship house 144 East Dekalb Pike, Suite 100 302 S. Jackson street King of Prussia, PA 19406 Media, PA 19063 (610) 3549922 (610) 565-0846 Consumer Credit Counseling Service Philadelphia Council far Community of Delaware Valley Advancement 1211 Chestnut street, Suite 400 100 North 17th Street Philadelphia, PA 19107 Suite 600 (215) 553-5665 Philadelphia. PA 19103 FAX # (215) 8642666 (215) 567-7803 FAX # (215) 963-0-041 Hispanic Association of Contractors 8 Enterprises 2921-27 North 5th Street Philadelphia, PA 19133 (215) 426-8025 FAX 0 (215) 426-8027 Northern Tier Community Acdcn Corp. 135 W. Fourth Street Emporium, PA 15834 (814) 486-1161 FAX m (814) 486-3370 Booker T. Washinaton Canter 1720 Holland Street Eie, PA 16503 (814) 898-0400 FAX T (814) 45-1-574,10- John F. Kennedy Center, Inc. 2021 East 20th Street Eie, PA 16510 (814) 898-0400 FAX # (814) 8989-1243 Action Housina Inc. Number Two Gateway Canter 9th Faor Pittsburgh, PA 15222 (412) 391-1950 Community Action Southwest 22 West High Street Waynesburg, PA 15370 (412) 852-2893 ELK COUNTY John F. Kennedy Center, Inc. 2021 East 20th Street Ede, PA 16510 (814) 898-0400 FAX* (814) 898-1243 E41E COUNTY Greater Eqe Community Action 18 West 9th Street Erie, PA 16601 (814) 459-!681 FAX ,: (814) 456-0161 FAYE 3717E COUNTY Committee Fayette County Community A&an Aaencf, Inc. 137 North Beeson Avenue Uniontown, PA 15401 (412) 437-66050 Ect 38 or 1 (800) A274NFO FAX m (412) 437-1418 Tableland Services Inc. 131 North Canter Avenue Somerset PA 15501 (814) 445-9628 FAX R (814) 443-1690 F"DOClSfLiPVBLILIFORECAItAC?INM 10 Consumer Credit Counseling Service of Western Pennsylvania; Ina.. _ 1 North Gate Square 2 Garden Center Drive Greensburg, PA 15601 Warren-Forrest Counties Economic Opportunity Council 204 Liberty Street Past Orrice Box 547 Warren, PA 15365 (814) 726-2400 FAX * (814) 723-0510 Financial Services Unlimited 117 West 3rd Street Waynesboro, PA 17268 (717) 762-3285 YWCA of Carlisle 301 G Street Carlisle, AP 17013 (717)243-3818 FAX m (717) 243-3948 Bedford-Fulton Housing Services R.D. 1, Box 384 Everett PA 15537 (814) 623-9129 FAX s (814) 623-7187 Financial Services Unlimited 117 West 3rd Street Waynesboro, PA 17268 (717) 762-3285 Action Housing, Inc. Number Two Gateway Center 9th Ficar Pittsburgh, PA 1522-1 Mon-Valley Unemployed committee 120 E. 9th Avenue= Homestead, PA 15120 (412) 462-9962 FOREST COUNTY FRANKLIN COUNTY Consumer Credit Counseling Service Of Western Pennsylvania. Inc. 912 South George Street York, PA 17403 American Red Cross - Hanover Chapter 529 Carlisle Street Hanover, PA 17331 (717) 637-3761 FAX * (717) 637-3294 FULTON COUNTY Consumer Credit Counseling Service Of Western Pennsylvania. Inc. 912 South George Street York. PA 17403 GREENE COUNTY Community Action Southwestern 22 West High Street Waynesburg, PA 15370 (412) 852-2893 FAX R (412) 627-77i 13 "30C=T-0FUmucrou¢6AACV1.N6r I 1 Man-Valley Unemployed Committee•_ ., _ Consumer Credit Counseling Service _ 120 E. 9th Avenue of Westem Pennsylvania, Inc. Homestead, PA 15120 1 North Gate Square (412) 462-9962 2 Garden Center Drive Greensburg, PA 1E601 Bedford-Fulton Housing Services R.D. 1, Box 384 Everett, PA 15537 (814) 623-9129 FAX $ (814) 623-7187 HUNTINGDON COUNTY Weathenzation Office 917 Mifflin Street Huntingdon, PA 16662 (814) 643-2343 Consumer Credit Counseling Service of Western Pennsylvania, Inc. 500-02 3rd Avenue Post Office Box 278 Duncanville, PA (814) 696-3546 Consumer Credit Counseling Service of Western Pennsylvania, Inc. 1 North Gate Square 2 Garden Center Drive Greensburg, PA 15501 John F. Kennedy Center, Inc. 2021 East 20th Street E.fe, PA 16510 (814) 898-0400 FAX "1 (814) 898-1243 Consumer Credit Counseiina Service of Western Pennsylvania. Inc. YMCA Building 339 North Washington Street Butler, PA 16001 (412) 282-7812 Indiana County Community Action Program. 827 Water Street Box 187 Indiana, PA 15701 (412) 465-2657 FAX m (412) 465-5118 - Keystone Eccnamic Development Corporation 1954 Mary C-rata Lane Johnstown, PA 15901 (814) 535 6530 FAX : (814) 539-1638 JE=?ERSON COUNTY Indiana County Community Aran Prcarm 827 Water Street Box 187 Indiana. PA 15701 (412) 465-2657 FAX -1 (412) AGE-5 118 r?aaauTttiruactaranea.asuesi.nar 12 JUANITA COUNTY' - Consumer Credit Counseling Service Weather®tlan Office of Western Pennsylvania, Inc. 917 Mifflin Street 500-02 3rd Avenue Huntingdon, PA 166552 Post Office Box 278 (814 643-2343 Duncanville, PA (814) 646-3646 LACKAWANNA COUNTY Consumer Credit Counseling Service Consumer Credit Counseling Service of Northeastern Pennsylvania, Inc. of Northeastern Pennsylvania, Inc. Human Services Building 31 W. Market Street 541 Wyoming Avenue Wilkes-Barre, PA 18702 Box 168 (717) 821-0837 or (800) 922-9537 Scranton, PA 18501 FAX (7177) 821-1785 (717) 342-1072 or(800)922-9537 FAX (717) 342-0040 LANCASTER COUNTY La Casa De! Puebla Consumer Credit Counseling Service 815 W. Baltimore Pike of Wes;em,Pennsylvania. Inc. Kennett Square, PA 19348 912 South C-eorce Street (215) 4443731 York, PA 17403 FAX (215) 4443178 Consumer C. edit Counse!!nu Service Tabor Community Services, Inc. of Lehigh Valley 439 E. King Street 3671 Crescent Court Lancaster, PA 17602 E st Whitehall, PA 18052 (717) 397-5182 or (800) 788-51762 (Homeowners only) FAX (717) 399-4127 LAWRENCE COUNTY Consumer Credit Counseling Service Shenago Valley Urban League. Inc. of Western Pennsylvania Inc. 601 Indiana Avenue 1st Feder! Plaza. Suite 406 Farre!1. PA 161121 North Mill Street (412) 981-5310 New Castle, PA 16101 FM0C3=CyMUCw CMFJ=. A C*.VI140r 13 LEBANON COUNTY Economic Opportunity Cabinet of Schuylkill County 118 Norweigian Street Pottsville, PA 17901 (717) 622-1995 FAX (7717) 622-0429 Tabor Community Services, Inc. 439 E. fling Street Lancaster, PA 176q (717) 397-5182 or (800) 788-5062 (Homeowners only) FAX(717)399-4127 Consumer Credit Counseling Service of Lehigh Valley 3671 Crescent Court East Whitehall, PA 1805 (215) 821-4011 or (800) 220-2733 (717) and (814) ONLY FAX (215) 821-0137 Commission an Economics Opportunity Of Lu<eme Caumv 211-213 South Main street Wakes-Barre. PA 18701 (717) 826-0510 or (800) 822-0359 FAX (717) 829-1665 (call before faxing) (717) 455-4994 Haze!ton FAX (717) 455-5631 (call before faxing) (i17) 836-4090 Tunkhannock LEHIGH COUNTY Economic Opportunity Cabinet of Schuylkill County 118 Ncnveioian Street Pottsville, PA 17901 (717) 622-1995 FAX (717) 622-0429 LUZERNE COUNTY Consumer Credit Counseling Service of r0ahesstep Pennsylvania Human Resources Building 541 Wyoming Avenue Box 168 Scantan, PA 18501 Scranton, PA 18501 (717) 342-1072 or(800)922-9537 FAX (717) 342-8040 31 W. Market Street Wilkes-Barre. PA 18702 (717) 621-0837 or (800) 922-5537 FAX (717) 821-1785 Economic Opportunity Cabinet of Schuylkill Counrv 118 Norwe!alan Street Pottsville. P.A 17901 (717) 622-1995 FAX 9717) 622-0429 r"-0 v -C n1u V0ug osncv1rvr 14 LYCOMING COUNTY Consumer Credit Counseling Service of Northeastern Pennsylvania Human Services Building 541 Wyoming Avenue Box 168 Scranton, PA 18501 (717) 342-1072 or (800) 922-9537 FAX (717) 342.8040 31 W. Market Street Wilkes-Barre, PA 18702 (717) 821-0837 or (800) 922-9537 FAX (717) 821-1785 John F. Kennedy Center, 2021 East 20th Street Erie, PA 16510 (814) 898-0400 FAX (814) 898-1243 Acom Housing Corporation 846 North Broad Street Philadelphia, PA 19130 (215) 765-1221 FAX (215) 765-0427 AM Credit Counseling Institute 144 East Dekaib Pike, Suite 100 King Of Prussia, PA 19406 (610) 354-9922 Consumer Credit Counseling Service of Delaware County 1211 Chestnut Street, Suite 400 Philadelphia. PA 19107 (215) 563-5665 Fax (215) 864-2666 La Casa Del Pueblo 816 W. Baltimore Pike Kennett Square, PA 19348 (216) 444-3731 FAX (215) 4443178 Lyeoming-Clinton Counties Commission for Community Action (STEP) 2138 Lincoln Street - P.O. Box 1328 Wlillamsport; PA 1777703 (717) 326-0587 FAX (717).322-2197 MCKEAN COUNTY Inc. Northern Tier Community Action Corp. 135 W. Fourth Street Emporium, PA 15834 (814) 486-1161 FAX (814) 486-3370 MONTGOMERY COUNTY 8udger Counse!!ng Center 247 North F-:m Sheet Reading, PA 19601 (215) 375-7866 FAX (215) 376-66 77 5 Community Action Development Commission 113 E=t Main Street Norristown, PA 19401 (215) 2777-6363 FAX (215) 277-2123 Media Fe!Icwsh!o House 302 S. Jackson Street Media. PA 19083 (215) 565-0846 Philade!phia Counse! for Community Advancement 100 North 17th Street, Suite 600 Philadelphia, PA 19103 (215)56'7=77803 FAX (215) 963-9941 F'0?-CWTML,cwaamw?cm.wr 15 . ., I MONTOUR COUNTY Consumer Credit Counseling Service of Northeastem Pennsylvania Human Services Building 541 Wyoming Avenue Box 168 Scranton, PA 18501 (717) 342-1072 or (800) 922-9537 FAX (717) 342-8040 Consumer Credit Counseling Service of Northeastern Pennsylvania Human Services Building 31 W. Market Street Wilkes-Barre, PA 18702 (717) 821-0837 or (800) 922-9537 FAX (717) 821-1785 NORTHAMPTON COUNTY Consumer Credit Counselina_ Service of Lehigh Valley 3671 Crescent Court E_st Whitehall, PA 18052 (215) 8213011 or (800) 220-2733 (717) and (814) ONLY FAX (215) 821-0137 Consumer Credit Counseling Service of Northeastern Pennsylvania Human Services Building 541 Wvomino Avenue Box 16'0 Swanton, PA 18501 (717) 342-1082 or (800) 922-9537 FAX (717) 342--9040 NORTHUMBERLAND COUNTY Consumer Credit Counselina Service of Northeastern Pennsvivania Human Services Building 31 W. Market Street Wilkes-Barre, PA 18702 (717) 821-0837 or (800) 922-9537 FAX (717) 821-1785 Economic Opporrunity Cabinet of Schuylkill County 118 Norwegian street Pottsville. PA ,7901 (717)622-1995 FAX (717) 622-0428 r.Amearrrawuesauaa?. iror 16 Consumer Credit Counseling Service of Westem Pennsylvania, Inc. 2000 Lingiestown Road Harrisburg, PA 17102 (717) 541-1757 Financial Services Unlimited 1,17 West 3rd street Waynesboro, PA 17268 (717) 762-3285 PERRY COUNTY Weather¢ation Oilice 917 MY lln Street Huntingdon, PA 16652 .(814) 643-2343 YMCA of Carlisle 301 G. Street Carlisle, PA 17013 (717) 243-3818 FAX (717) 243-3948 Urban League of Metropolitan Harrisburg 25 n. Front Street Harrisburg, PA 17101 (7,17) 234-582E FAX (717) 232-4985 Acorn Housing Corporation 846 north Broad Street Philadelphia. PA 19130 (215) 765-121 FAX (215) 765-1427 PHILADELPHIA COUNTY Heusina Association of Delaware Valley 1314 Chestnut Street, Room 900 Philadelphia, PA 19107 (215) 545-6010 FAX (215) 790-9132 AM Credit Counseling Institute 144 East Deka!b Pike, Suite 100 IQng of Prussia, PA 19405 (610) 354-9922 Centro Pedro Claaver 3565 North 7th Street Philadelphia, PA 19140 (21 S) 227-7111 FAX (215) 227-7117 Consumer Credit Counseling Service of Delaware Valley 1211 Chestnut Stree*, Suite 400 Philadelphia. PA 19107 (215) 563-5665 FAX (215) 864-2666 Hispanic Association of Contractors & Enterprises 2921-27 North 5th street Philadelphia, PA 19133 (216) 426-8025 FAX (215) 426-8027 658 North Wads Street Fhiiade!phia, PA 19121- (215) 978-0224 FAX (215) 765-7614 Media Fellowship House 302 S. Jackson Street Media. PA 19063 (610) 565-0846 Philadelphia Council for Community Advancement 100 North 17th Street. Suite 600 Philadelphia, PA 19103 (215) 567-7803 FAX (215) 96 :-9941 Urban League of Philadelphia 251-3 South 24th Street Philadelphia. PA 19103-5-=20- (215) 731-4100 FAX (215) 731-4112 r"D0cM*r-CMUM vaug:a=cmcnor 17 Consumer Credit Counseling Service of Northeastern Pennsylvania Human Services Building 541VVyoming Avenue Box 168 Scranton, PA 18501 (717) 342-1072 or (800) 9224537 FAX (717) 342-8040 Northern Tier Community Action Corp. 135 W. Fourth Street Emporium, PA 15834 (814) 486-1161 FAX (814) 486-3370 Budget Counselina Canter 247 North Firth Street Re=ding PA 19601 (215) 376-7866 FAX (215) Z76-6575 5 Commission on Economic Opportunity of Luzeme County 211-213 South Main Street Wilkes-82rre, PA 18701 (717) 826-0510 or (800) 822-0359 FAX (717) 829-1666 call before faxina (717) 4551994 Hazelton FAX (717) 4555631 call before faxing (717) 836-'090 Tunkhannock Consumer Credit Counseling Service of Wester Pennsylvania, Inc. 2000 Unale_stown Road Harrisburg, PA 17102 (717)541-1757 PIKE COUNTY Consumer Credit Counseling Service of Northeaster Pennsylvania 31 W. Market Street Wilkes-Barre, PA 18702 (717) 8214837 or (800) 922-4537 FAX (717) 829-1785 POTTER COUNTY SCHUYLVJLL COUNTY Economic Opportunity Cabinet of Schuylkill County 118 Norwegian Street Pottsville. P17901 (717) 622-1995 FAX 9717) 622-0429 SNYDER COUNTY 13 SOMERSET COUNTY Bedford-Fulton Housing Services -KeystoneEeonomic Development Corp. R.D. 1, Box 384 1954 Mary Grace Lane Eierett PA 15537 Johnstown, PA 15901 (814) 623-9129 (814) 535-65SS FAX (814) 623-7187 FAX (814) 539-1688 Consumer Credit Counseling Service Tableland Services, Inc. of Western Pennsylvania, Inc. 131 North Center Avenue 1 North Gate Square Somerset, PA 15501 2 Garden Center Drive (814)44.--9628 Greensburg, PA 15601 FAX (814) 443-3690 SULLIVAN COUNTY Consumer Credit Counseling Service German Street of Northeastern Pennsylvania P.O. Box 389 Human Services Building Oushore, PA 18614 541 Wyoming Avenue (717) 928-9668 Box 168 Sc,ommn, PA 18501 (717) 342-1072 or (800) 922-9537 His Majesty Fellowship Church FAX (717)1-42-SO40 207 Penn Ave*, P.O. Box 104 Athens, PA 18810 (Wed.-Fri.) (717) 888-6024 31 W. Market Street Wickes-Barre, PA 18702 (717) 821-0837 or (800) 921-9537 17 Crafton Street FAX (717) 821-1785 Wellsbam, PA 16901 (717) 724-5252 The Trehab Center of Northeastern Pennsylvania 602 %: Church Street 7 Lake Avenue P.O. Box 97 Box 339 Homesdale, PA 18431 Montrose. PA 18801 (717) 258-4987 (717) 278-3338 cr (800) 982-d045 FAX (717) 278-1889 103 Warren Street P.O. Box 709 185 Emir Street Tunkhannock, PA 18657 P.O. Box 218 (717) 636-0840 Troy, PA 16947 (717) 297-2101 r:noC ? .Cpwyj=XEQ.WVALCVIt 19 - SUSQUEHANNA COUNTY Consumer Credit Caunseffng Service 185 Elmira Street of Northeastern Pennsylvania P.O. box 218 Human Services Building Troy, PA 16847 541 Wyoming Avenue Box 168 Scranton, PA 18501 German Street (717) 342-1072 or (800)822-9537 P.O. Box 384 FAX (717) 342-8040 Dushore, PA 18614 (717)828-?668 31 W. Market Street Wilkes-Sane, PA 18702 (717) 821-0837 or (800) 822-9537 FAX (717) 821-1785 The Trehab Center of Ncrtheamem Pennsylvania 7 lace Avenue Box 339 Montrose. PA 18801 (717) 278-3338 or (800) 882=045 FAX (117) 278-1885 His Majesty Fellowship Church 207 Penn Ave. P.O. Box 104 Athens, PA 18810 (Wed.-Fri.) (717) 888-6024 17 Crafton Street Wellsborc, PA 16801 (717) 724-5252 602 Yz Church Street P.O. Box 97 Homesdale, PA 18431 (717) 836-6840 103 Warren Street P.O. Box 709 Tunkhannock, PA 18657 rmocuresunuCMRECLoxwms1ra 20 TOGA COUNTY _ Consumer Credit Counseling. Service of Northeastern Perinsyty 4 Human Services Building 541 Wyoming Avenue Box 188 Scranton, PA 18501 (717) 342-1072 or(800)922-9537 FAX (717) 342-8040 185 E rnira Street 'P.O. box 218 Troy, PA 16947 _ German Street P.O. Box 389 Oushore, PA 18614 (717) 928-9668 31 W. Market Street Wilkes-Barre, PA 18702 (717) 821-0837 or (800) 922-9537 FAX (717) 821-1785 The Trehab Center of Northeastern Pennsylvania 7 Lake Avenue Box 339 Montrose. PA 18801 (717) 278-3338 or (800) 982-1045 FAX (717) 278-1889 His Majesty Fellowship Church 207 Penn Ave. P.O. Box 104 Athens, PA 18810 (Wed: Fri.) (717)888-6024 17 Craftan Street Wellsboro, PA 16901 (717) 724-5252 602 Y2 Church$treet P.O. Box 97 Homesdale, PA 18431 (717) 836-6840 103 Warren Street P.O. Box 709 Tunkhannodc.PA 18657 Lycominc-ainton Counties Commission for Community Action (STE ) 2138 Uncoin Street P.O. Box 1328 Williamsport. PA 177703 (717) =-2197 UNION COUNTY Consumer Credit Counseling Service of Western Pennsylvania. Inc. 500-02 3rd Avenue Post Office box 278 Ouncznsviile, PA (814) 696-3546 21 VEMANGO COUNTY Greater Erie Community Warren-Forrest Counties Economic Action Committee Opportunity Council 18 West 8th Street Ele PA 16501 1204 Pennsyivania Avenue, West P.O. Box 547 , (814) 4544581 Warren, PA 16565 (814) 726-2400 FAX (814) 456-0161 FAX (814) 723-0510 Greater Ede Community Action Committee 18 Wes•. 8th Street Ere, PA 16501 (814) 4644581 FAX 9814) 456-0161 WASHINGTON COUNTY Ac' an Housing, Inc. Housing Opportunities Inc. Number Two Gateway Center , 133 Seventh Street 9th Fiaar Mc:Cee=_pom PA 15132 Pittsburgh, PA 15222 (412) 6554-1590 (412) 391-1956 FAX (412) 664-0873 Community A&.on Southwest Man-Valley Unemplaved Committee 22 West Hitch street 120 9th Avenue Waynesburg, PA 15370 Homestead. PA 15120 (412)852 =893 (412) 462-9962 Consumer Credit Counseling Service of Western Pennsylvania, Inc. 1 North C-ate Square 2 Garden Center Drive Greensburg, PA 15601 rancor ZEMUCTCJ=os C,-VI nm 77 Consumer Credit Counseling Service = of Northeastern Pennsylvania Human Services Building 541 Wyoming Avenue Box 168 Scranton. PA 18501 (717) 342-1072 or (800)922-9537 FAX (717) 342-8040 31 W. Market Street Wilkes-Barre, PA 18702 (717) 821-0837 or (600) 922-9537 FAX (717) 821-1785 The Trehah Center of Northeastern Pennsylvania 7 Lake Avenue BOX 339 Montrose, PA 18801 (717) 278-3338 or (800) 982-045 FAX (717) 2718-1889 WAYNE COUNTY 185 ©mira Street P.O. box 218 Tray, PA 16947 (717) 297-2101 German Street P.O. Box 389 Oushore, PA 18614 (717) 928-9668 His Majesty Fellowship Church 207 Penn Ave. P.O. Box 104 Athens, PA 18810 (Wed.-Fri.) (717) 888-6024 17 Crfton Street Wellstam, PA 16901 (717) 724.5252 602'/: Church Street P.O. Box 97 Homesdale, PA 18431 (717) 836-6840 103 Warren Street P.O. Box 709 Tunkhannock PA 1867 (717) 636-6840 r.9a0C•1 -CWUg(,rG1iV1{F.Cf. CRAW 23 Action Housing, Inc Number Two Gateway Center 9th Floor Pittsburgh, PA 15222 (412) 391-1956 Community Action Southwest 22 West High Street Waynesburg, PA 15x70 (412) 852-2893 Consumer Credit Counseling Service of Westem Pennsylvania, Inc. 1 North Gate Square 2 Garden Center Drive Greensburg-, PA 15601 Housing- Opportunities, Inc. 133 Seventv Street McKeesport. PA 15132 (412) 664-15:0 FAX (412) 684-0872 WESTMORELAND COUNTY Indiana County Community Action Program - 827 Water Street, Box 187 Indiana, PA 15701 (412) 465-2657 FAX(412)465-5118 Keystone Economic Oevelopment Corp. 1954 Mary Grace Lane Johnstown, PA 15901 (814) 535-6556 FAX (814) 539-1688 Mon-Vaiiey Unemployed Committee 120 E 9th Avenue Homestead, PA 15120. (412) 462-9962 Tableland Services. Inc. 131 Ncnh Center Avenue Somerset. PA.15501 (814) 445-9628 FAX (814) 4433-36690 r maatsocvueucroeev 03L%C'Visor 24 Consumer Credit Counseling Service of Nartheastem Pennsylvania Human Services Building 541 Wyoming Avenue Box 168 Scranton, PA 18501 (717) 342-1072 or (d00)922-9537 FAX (717) 342-8040 31 W. Market Street Wilkes-Barre, PA 18702 (717) 8214837 or (800) 922-9537 FAX (717) 821-1785 The Trehab Center of Northeastern Pennsylvania 7 Lake Avenue Box 339 Montrose, PA 18801 (717) 278-3338 or (800) 9824045 FAX (717) 278-1889 Commission an Economics Opportunity of Luzeme County 211-213 South Main Street Wilkes-Barre, PA 18701 (717) 826-0510 or (800) 822-0359 FAX (717) 829-1666 call before thAna (717) 4554994 Hazeitan FAX (717) 455-5631 call before frdng (797 836-4090 Tunkhannock WYOMING COUNTY 185 Elmira Sheet P.O. box 218 Troy, PA 16947 (717) 821-1785 German Street P.O. Bax 389 Dushare, PA 18614 (717) 928-9600-8 His Majesty Fellowship Church 207 Penn Ave. P.O. Box 104 Athens, PA 18810 (Wed.-Fd.) (717)888-6024 17 Crafton Sheet Welisbaro, PA 16901 (717) 724-5252 602'/ Church Street P.O. Box 97 Homesdaie, PA 16431 (717) 836-6840 103 Warren Street P.O. Box 709 Tunkhannock, PA 186577 (717)836.8840 rra0awrfisrnuarauan3ucs1rar 25 YORK COUNTY - American Red Cross - Hanover Chapter Housing Council of York ='- 529 CadWe Street 416 North George Street Y Hanover, PA 17331 York, PA 17401 (717) 6373768 (717) 854-1541 FAX (717) 637-3294 FAX (717) 845-7934 Consumer Credit Counseling Service of Western Pennsytvania, Inc. 2000 Ungtestown Road Harrisburg, PA 17102 (717) 541-1757 26 JUN-08-1999 1605 CAPLAN 8 LUBER 610 640 9865 P.09i09 VERIFICATION 1, Melissa Watkins, Litigation Specialist, hereby certify that I am an agent for Plaintiff and am authorized to make this verification on its behalf. I verify that the facts and statements set forth in the foregoing Complaint in Monpge Foreclosure are true and correct to the best of my knowledge, information and belief. This Verification is made subject to the penalties of IS Pa. C.S. § 4904 relating to unworn falsification to authorities. Name: Melissa Watkins Title: Litigation Specialist Date: I - r - Cl F:IOOC lsm KPIMIPLPAOU?TD TOTAL P.09 > r c, . C, rv _ o.. -- V Izz ry) ?1 c Axel A. Shield, 11, Esquire I.D. No. 17440 Stephen M. Hladik, Esquire I.D. No. 66287 CAPLAN & LUBER, LLP 40 Darby Road Paoli, PA 19301 (610) 640-1200 Fax: (610)640.9865 THE BANK OF NEW YORK AS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT DATED AS OF FEBRUARY 29, 1996, SERIES 1994-A, PLAINTIFF, V. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO: 99-4410 CIVIL TERM CIVIL ACTION MORTGAGE FORECLOSURE DERK E. ROBERTS, JANET L. ROBERTS, and KIMBERLY A. ROBERTS f/k/a KIMBERLY A. BARRETT, DEFENDANTS. PRAECIPE FOR REINSTATEMENT OF COMPLAINT TO THE PROTHONOTARY: Kindly reinstate the Complaint in Mortgage Foreclosure on behalf of The Bank of New York as Trustee under the Pooling and Servicing Agreement dated as of February 29, 1996, Series 1994-A, in the above captioned matter. Date: 7- 16-'75 CAPLAN & LUBER, LLP By: U 0 Axel A. Shield, II, Esquire F COCS115I N SO. ROBWLEADINONEINST COM ?., ?:; ???J SHERIFF'S RETURN - REGULAR CASE NO: 1999-04410 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND NEW YORK BANK OF THE VS. ROBERTS DERK E ET AL RICHARD E. SMITH , Sheriff or Deputy Sheriff of CUMBERLAND County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon ROBERTS JANET L the defendant, at 1215:00 HOURS, on the 23rd day of July 1999 at 236 NORTH BALTIMORE AVE. 42 MOUNT HOLLY SPRINGS, PA 17065 CUMBERLAND County, Pennsylvania, by handing to JANET ROBERTS a true and attested copy of the COMPLAINT - MORT FORE together with NOTICE and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 6.00 So answers: 4.34 .00 7 8.00 omas tne, eri $58-34 CAPLAN AND LUBER 08/30/1999 by _ --? e y eri Sworn and subscribed before me this ? day of SHERIFF'S RETURN - REGULAR CASE NO: 1999-04410 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND NEW YORK BANK OF THE VS. ROBERTS DERK E ET AL RICHARD E. SMITH , Sheriff or Deputy Sheriff of CUMBERLAND County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon ROBERTS DERK E the defendant, at 1148:00 HOURS, on the 23rd day of July 1999 at 13 WEST PINE STREET MOUNT HOLLY SPRINGS, PA 17065 CUMBERLAND County, Pennsylvania, by handing to DERK E. ROBERTS a true and attested copy of the COMPLAINT - MORT FORE together with NOTICE and at the same time directing His attention to the contents thereof. Sheriff's Costs: So answers: Docketing 18.00 Service Affidavit 4.00 ?o Surcharge 8.00 omas ine, eri $3034-CAP AND LUBER 08/30/1999 by u y eri Sworn and subscribed o bef0rp me this -qfL day of 4k. f SHERIFF'S RETURN - OUT OF COUNTY CASE NO: 1999-04410 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND NEW YORK BANK OF THE VS. ROBERTS DERK E 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: ROBERTS KIMBERLY A F/K/A BARRETT KIMBERLY A but was unable to locate Her in his bailiwick. He therefore deputized the sheriff of ADAMS County, Pennsylvania. to serve the within COMPLAINT - MORT FORE On August 30th, 1999 , this office was in receipt of the attached return from ADAMS County, Pennsylvania. I Sheriff's Costs: So answe s: Docketing .00 Out of County 9 9.00 ed01-sf? Surcharge 8.00 omas ine, eri Adams County 9.00 $2 . u 0 0CAPLAN 8/30 1999 LUBER Sworn and subscribed to before me this day of ?-?i1? Ll 19 A.D. -\ r o ono ary V In The Court of Common Pleas of Cumberland County, Pennsylvania The Bank of New York, et. al. VS. Derk E. Roberts, et. al. Serve: Kimberly A. Roberts, a/lg6a 99-4410 Civil Kimberly A. Barrett Now, 8/16/99 , I9_, I, SHERIFF OF CUMBERLAND COUNTY, PA, do hereby deputize the Sheriff of Adams County to execute this Writ, this deputation being made at the request and risk of the Plaintiff. Sheriff of CumKerland County, PA Affidavit of Service Now, 19_, at o'clock M. served the within upon at by handing to a and made known to copy of the original the contents thereof. So answers, Sheriff of COSTS Sworn and subscribed before SERVICE _ me this _ day of , 19 MILEAGE _ AFFIDAVIT County, PA S EcF-.: Auc 19 ! I ao AN '99 • , A • db ® e . Ab All, .te r • A • • • GRAPHCOM, INC. 1717) 334.3107 DATE RECEIVED DATE PROCESSED SHERIFF'S DEPARTMENT ADAMS COUNTY, PENNSYLVANIA COURTHOUSE, GETTYSBURG, PA 17325 SHERIFF SERVICE INSTRUCTIONS: See "INSTRUCTIONS FOR SERVICE OF PROCESS BY THE SHERIFF" on the reverse of the last (No. 5) copy of this form. Please PROCESS RECEIPT, and AFFIDAVIT OF RETURN type or print legibly. Insuring readability of all copies. Do not detach any copies. ACSD ENV .# 1 PLAINTIFFFSI THE BANK OF NE] YORK AS TRUSTEE UNDER THE POOLING AND 2. COURT NUMBER CI}bVT/ T111' A11111-1 --- 3. A. 1 4. TYPE OF WAIT SERVE 6. NAME OF INDIVIDUAL. COMPANY, CORPORATION, ETC., TO SERVICE OR DESCRIPTION OF PROPERTY TO BE LEVIED, ATTACHED OR SOLDeC10SU', Kimberly A. Roberts f/k/a Kimberly A. Barrett 6. ADDRESS (Street or RFD, Apartment No., City, Boro, Twp.. State and ZIP CODE) AT 310 North Stratton St., Gettysburg, PA 17325 r. INUIUAit UNUSUAL SERVICE: C] PERSONAL 0 PERSON IN CHARGE ? DEPUTIZE ? CERT. MAIL ? REGISTERED MAIL 0 POSTED ? OTHER Now, 19 I, SHERIFF OF ADAMS COUNTY, PA., do hereby deputize the Sheriff of County to execute this Writ and make return therof according to law. This deputation being made at the request and risk of the plaintiff. S. SPECIAL INSTRUCTIONS OR OTHER INFORMATION THAT WILL ASSIST IN EXPEDITING SERVICE. SHERIFF OF AS COUNTY NOTE ONLY APPLICABLE ON WRIT OF EXECUTION: N.B. WAIVER OF WATCHMAN-Any deputy sheriff levying upon or attaching any property under within writ may leave Same without a watchman, in custody of whomever is found in Possession, after notifying person of levy or attachment, without liability on the part of such deputy or the sheriff to any plaintiff herein for any lose, destruction or removal of any such property before sheriff's Sale thereof. 9. SIGNATURE of ATTORNEY or other ORIGINATOR requesting Service on behalf of: 10. TELEPHONE NUMBER 11. DATE Axel A. Shield II Es BPLAINTIFF 7 7 q. ? DEFENDANT (610) 640-1200 I acknowledge receipt of the writ SIGNATURE of Authorized ACSO Deputy or Clerk and Title or complaint as Indicated above. 13. Date Received 14. Expiration r 15. 1 hereby CERTIFY and RETURN that 1 ? have personally served, 7 have Served person in charge, ? have legal evidence of service as shown In "Remarks" (on reverse) 13 have posted the above described property with the writ or complaint described on the individual, company, corporation, etc., at the address shown above or on the individual, company, corporation, etc., at the address inserted below by handingtor Posting a TRUE and ATTESTED COPY therof. ,v u , noreoy century and return a NOT FOUND because I am unable to locate the individual, company, corporation, etc., named above. (See remarks below) 17. Name and title of IntlNitluel served 18. A person of sullable ego and c1mretlon Read Order then melding in the defandanl'a usual plan of abode. G 1 of where served (complete only if different than shown above) (Street or RFD, Apartment No., City, 9oro, Twp., 20. Date of Service 21. Time State e and and ZIP CODE) ? Sl REMARKS: Writ returned at the request of the plf's. attorney before service was made. 22. ATTEMPTS Date Mlles Dep.lnt. Date Mlles Dep.lnt. Date Mlles Dep.lnt. Date Mlles Dep.lnt. Date Mlles Dep.lnt. 23. Advance Costa 24. 25. 26. 27. Total Costs 28. COMMUM REFUND $75.00 Fm.Sheri f #25592 $9.00 Pd. 8/26/99 $66.00 Ck. #2461 AFFIRMED and subscribed to before me this day By 97®LDep. Shoo") (Pbaso SHERIFF OF ADAMS COUNTY Date I ACKNOWLEDGE RECEIPT OF THE SHERIFF'S RETURN SIGNATURE OF AUTHORIZED ISSUING AUTHORITY AND TITLE. Axel A. Shield, II, Esquire I.D. No. 17440 Stephen M. Madik, Esquire I.D. No. 66287 CAPLAN & LUBER. LLP 40 Darby Road Paoli, PA 19301 Telephone: 610.640-1200 Fax: 610-640-9865 THE BANK OF NEW YORK AS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT DATED AS OF FEBRUARY 29, 1996, SERIES 1994-A, PLAINTIFF, V. DERK E. ROBERTS, JANET L. ROBERTS and KIMBERLY A. ROBERTS PWa KIMBERLY A. BARRETT, IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA n I NO: _. _ .-. CIVIL ACTION MORTGAGE FORECLOSURE v (A a -a ?i DEFENDANTS. COMPLAINT - CIVIL ACTION NOTICE TO DEFEND NOTICE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and ajudgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim of relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Court Administrator 4th Fl., Cumberland County Courthouse Carlisle, PA 17013 (717) 240-6200 TRUE COPY FROM RECORD In Teaiimony whorent, I here unto sal my hand and 1.1 he seal of said Gout at Carlisle, Pa. This- ` day of 19-f - ProthonotaRry AVISO LE RAN DEMANDADO A USTED EN LA CORTE. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de Is fecha de la demanda y la notificacion. Hace falta asentar una comparencia escrita o en persona o con un abogado y entregar a la corte en fortna escrita sus defensas o sus objecciones a las demandas en contra de su persona. Sea avisado que si usted no se defiende, Is corte tomara medidas y puede continuer la demanda en contra suya sin previo aviso o notificacion. Ademas, Is corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede perder dinero o sus edades u otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO INNEDIATAMENTE. SI NO TIENE ABOGADO 0 SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO VAYA EN PERSONA 0 LLAME POR TELFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTANCIA LEGAL. Court Administrator 4th Ft., Cumberland County Courthouse Carlisle, PA 17013 (717) 240-6200 Axel A. Shield 11, Esquire I.D. No, 17440 Stephen M. Hladik, Esquire I.D. No. 66287 CAPLAN & LUBER, LLP 40 Darby Road Paoli, PA 19301 Telephone: 610-640-1200 Fax: 610540-9865 THE BANK OF NEW YORK AS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT DATED AS OF FEBRUARY 29, 1996, SERIES 1994-A, PLAINTIFF, IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO: V. DERK E. ROBERTS, JANET L. ROBERTS and KIMBERLY A. ROBERTS f/k/a KIMBERLY A. BARRETT, DEFENDANTS. CIVIL ACTION MORTGAGE FORECLOSURE COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, The Bank of New York as Trustee under the Pooling and Servicing Agreement dated as of February 29, 1996, Series 1994-A, brings this action in mortgage foreclosure upon the following cause of action: Plaintiff, The Bank of New York under the Pooling and Servicing Agreement dated as of February 29, 1996, Series 1994-A ("Plaintiff'), is a corporation with a principal place of business c/o The Money Store, 4111 South Darlington, Suite 800, Tulsa, Oklahoma 74135. 2. The last known address of Derk E. Roberts, Janet L. Roberts, and Kimberly A. Roberts Mda Kimberly A. Barrett, Defendants is: 13 West Pine Street, Mount Holly Springs, Pennsylvania 17065. F:VXS1513\ 150.ROB%PLEADMOICWLT.DCC 3. Derk E. Roberts, Janet L. Roberts and Kimberly A. Roberts f/Wa Kimberly A. Barrett executed a mortgage with TMS Mortgage Inc., d/b/a The Money Store, on January 25, 1996 (the "Mortgage"), in the amount of $51,000.00, which Mortgage was recorded with the Recorder of Deeds of Cumberland County on February 2, 1996 in Mortgage Book 1301,at Page 1000. The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. No. 1019(8). A true and correct copy of the Mortgage is attached hereto and marked as Exhibit "A" and is incorporated herein by reference as though fully set forth at length. 4. TMS Mortgage Inc., d/b/a The Money Store assigned all right, title and interest in the Mortgage to The Bank of New York as Trustee under the Pooling and Servicing Agreement dated as of February 29, 1996, Series 1994-A, which assignment was recorded in the Recorder of Deeds Office for the County of Cumberland on May 6, 1997, in miscellaneous Book 546 at Page 1053. 5. Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the legal successor in interest to the original mortgagee, or is the present holder of the Mortgage by virtue of the above-described assignments. 6. Mortgagors named in paragraph 3 above, Derk E. Roberts and Kimberly A. Roberts f/Wa Kimberly A. Barrett executed a note as evidence of the debt secured by the Mortgage (the "Note"). A true and correct copy of the Note is attached hereto and marked as Exhibit "B" and is incorporated herein by reference as though fully set forth at length. 7. The real property which is subject to the Mortgage is generally known as 13 West Pine Street, Borough of Mount Holly Springs, Cumberland County, Pennsylvania (the "Mortgaged Premises"). The legal description of the Mortgaged Premises is attached hereto and marked as Exhibit "C" and is incorporated herein by reference as though fidly set forth at length. 8. The interest of each individual Defendant is as Mortgagor, Real Owner or both. 2 9. If any Defendant above-named is deceased, this action shall proceed against the deceased Defendant's heirs, assigns, successors, administrators, personal representatives and / or executors through his/ her estate. 10. The Mortgage is in default because the monthly payment of principal and interest and other charges stated below, all as authorized by the Mortgage, are due as of November 1, 1998 and have not been paid, and upon failure to make such payments when due, the whole of the principal, together with the charges specifically itemized below are immediately due and payable. 11. The following amounts are due as of June 7, 1999: Principal of Mortgage debt due and unpaid ..................... $47,010.89 Interest due and owing as of June 7, 1999 at 11.49%, $15.00 per diem .................................. 3,735.00 Late Charges of $29.77 per month assessed on the I Ith day after payment is due ...................... 208.39 Corporate advance .......................................... 100.00 Accrued Return Check Charges ................................. 15.00 Recordation of Release ........................................ 14.00 Attorneys' fees ............................................. 800.00 Title Report ............................................... 325.00 TOTAL ............................................... $52.208.28 12. Interest accrues at a per diem rate of $15.00 and late charges accrue at a monthly rate of $29.77 assessed on the I Ith day payment is past due for each date after June 7, 1999 that the debt remains unpaid, and Plaintiff may incur additional attorneys' fees and costs as well as other expenses, costs and charges collectable under the Note and Mortgage. 3 13. The original principal balance of the Mortgage exceeded Fifty Thousand Dollars ($50,000.00). Therefore, Notice of Intention to Foreclose pursuant to 41 P.S. § 403 was not required. 14. Notice pursuant to the Homeowner's Emergency Mortgage Assistance Act of 1983, 35 P. S. § 1680.402c, et sea., was sent to each individual Mortgagor by first-class mail on May 6, 1999. A true and correct copy of said notice is attached hereto and marked as Exhibit "D" and is incorporated herein by reference as though fully set forth at length. 4 WHEREFORE, Plaintiff demands judgment against Defendants Derk E. Roberts, Jauet L. Roberts, and Kimberly A. Roberts Mda Kimberly A. Barrett, jointly and severally, for foreclosure and sale of the Mortgaged Premises in the amounts due as set forth in paragraph 11, namely $52,208.28, plus the following amounts accruing after June 7, 1999, to the date ofjudgment: (i) interest at a per diem rate of $15.00; (ii) late charges of $29.77 per month, assessed on the I lth day payment is past due; and (iii) additional attorneys' fees hereafter incurred and costs of suit. CAP N & LUBER, LL Axel . Shi Id, II, Esquire Date: - ? C1 - cl el UNLESS YOU NOTIFY US IN WRITING WITHIN THIRTY (30) DAYS AFTER RECEIPT OF THIS LETTER THAT THE DEBT, OR ANY PART OF IT, IS DISPUTED, WE WILL ASSUME THAT THE DEBT IS VALID. IF YOU DO NOTIFY US OF A DISPUTE, WE WILL OBTAIN VERIFICATION OF THE DEBT AND MAIL IT TO YOU. ALSO UPON YOUR WRITTEN REQUEST WITHIN THIRTY (30) DAYS, WE WILL PROVIDE YOU WITH THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR IF DIFFERENT FROM THE CURRENT CREDITOR. THIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. ?4?3 L I? ^iCOR0I 11 OF ' CCU .JY-:;ERLAaC COUNTY - FA After recording return to: The Money Store - Packaging P.O. Box 160128 Sacramento, CA 95816.0128 '96 FEI3. 2 Pfd 2 31 MORTGAGE 035.103.00002170.5 THIS MORTGAGE ('Security Instrument") is made this Twenty- fi fth Day of January, 1996 between the Mortgagor, Derk E. Roberts And Kimberly A. Roberts FK4 K,m c, c7 A ?+naorf (herein 'Borrower"). and the Mongagee,TMS Mortgage Inc. , dba The Money Store which is organized and existing under the laws of New Jersey Shiremanstown, PA 17011 and whose address is 4660 Trindle Road, Suite 1002, (herein "Lender"). WHEREAS, Borrower is indebted to Lender in the principal sum of Fi fty-One Thousand and 00/100 together with interest, which indebtedness is evidenced by Borrower's note y 25, ) .S. S (the "Note"), providing for monthly installments of principal and interest, with the balance of the indebtedness, if not sooner paid, due and payable on February 1, 2011 dates Ja51. 000 , 00 1996 TO SECURE to Lender the repayment of the indebtedness evidenced by the Note, with interest thereon: extensions and renewals of the Note; the payment of all other sums, with interest thereon, advanced in accordance with this Security Instrument to protect the security of this Security Instrument; and the performance of the covenants and agreements of Borrower contained in this Mortgage, Borrower does hereby mortgage, grant and convey to Lender, the following described property located inCumberland County, Pennsylvania; (SEE EXHIBIT 'A' ATTACHED) being the same property commonly known as: 13 West Pine St, Mt Holly Springs PENNSYLVANIAMORTGAGEissalt Original - File M002-IPA Pne 1 .1 7 56cr.1:301 F";-,100 PA 17065 ("Property Address"). EXHIBIT TOGETHER with all the improvements now or hereafter erected on the property, and all casements, rights, appurtenances and rents, all of which shall be deemed to be and remain a pan of the property covered by this Security Instrument. All of the foregoing, together with such property (or the leasehold estate if this Security Instrument Is on a leasehold) are called the 'Property.' Borrower covenants that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property, and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and covenants that Borrower will defend generally the tide to the Property against all claims and demands, subject to encumbrances of record. Borrower further warrants, represents and covenants as follows: 1. Payment of Principal and Interest. Borrower shall promptly pay when due the principal and interest indebtedness and all other charges evidenced by the Note. 2. Flmds for Taxes and Insurance. If required by [ender, and subject to applicable late, Borrower shall pay to Lender on the day monthly payments are due under the Note, until the Note is paid in full, a sum ("Funds') for: (a) yearly taxes and assessments which may attain priority over this Security instrument as a lien on the Property; (b) yearly leasehold payments or ground rents on the Property, if any; (c) yearly hazard or property insurance premiums; (d) yearly flood insurance premiums, if any; and (e) yearly mortgage insurance premiums, if any. These items are called 'Escrow Items.' Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amount a lender for a federally related mortgage loan may require for Borrower's escrow account under the federal Real Estate Settlement Procedures Act of 1974, as amended from time to time, 12 U.S.C. Section 2601 er seq. ('RESPA'), unless another law that applies to the Funds sets a lesser amount. If so, Lender may, at any time, collect and hold Funds in an amount not to exceed the lesser amount. Lender may estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with applicable law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is such an institution) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items. Lender may not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and applicable law permits Lender to make such a charge. However, Leader may require Borrower to pay a one-time charge for an independent real estate tax reporting service used by Lender in connection with this loan, unless applicable law provides otherwise. Unless an agreement is made or applicable law requires interest to be paid, Lender shall not be required to pay Borrower any, interest or earnings on the Funds. Borrower and Lender may agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds, showing credits and debits to the Funds and the purpose for which each debit to the Funds was made. The Funds are pledged as additional security for all sums secured by this Security Instrument. If the Funds held by Lender exceed the amounts permitted to be held by applicable law, Lender shall account to Borrower for the excess Funds in accordance with the requirements of applicable law. If the amount of the Funds held by Lender at any time is not sufficient to pay the Escrow Items when due, Lender may so notify Borrower in writing, and, in such case Borrower shag pay to Lender the amount necessary to make up the deficiency. Borrower shall make up the deficiency in no more than twelve monthly payments, at Lender's sole discretion. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. If, under Paragraph 18, Under shall acquire or sell the Property, Lender, prior to the acquisition or sale of the Property, shall apply any Funds held by Lender at the time of acquisition or sale m a credit against the sums secured by this Security Instrument. 3. AppBwtion of Payments. All payments of principal and interest received by lender shall be applied as provided in the Note. If Borrower owes Lender any late charges, or other fees or charges ('other charges"), they will be payable upon demand of Lender. Unless prohibited by law, the application of payments may be affected by the imposition of other charges. Therefore, payments of other charges, whether paid to Lender in addition to the monthly payment or separately, will be applied in a manner at the absolute discretion of the Lender. Borrower agrees that Lender may apply any payment received under Paragraphs I and 2, either first to amounts payable under Paragraph 1, or first to amounts payable under Paragraph 2. PENNSYLVANIA MORTGAGE 195011 Original - File 34nt 1•r0 100' M002.2PA Na. I C. 1 035-103-00002170-5 .. ... .U;.., . 4. - Prior Mortgages and Deeds of Trust; Charges; Liens. Carrower shall perform all of Borrower's obligations under any mortgage, deed of trust or other security agreement with a lien which has priority over this Security Instrument, if any, including Borrower's covenants to make payments when due. Borrower shall pay or cause to be paid all taxes, assessments and other charges, fines and impositions attributable to the Property which may attain a priority over this Security Instrument, and leasehold payments or ground rents, if any.' S. Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the tens "extended coverage," flood and any other hazards as Lender may require, from time to time, and in such amount and for such periods as Lender may require. The insurance carrier providing the insurance shall be chosen by Borrower subject to approval by Lender; provided that such approval shall not be unreasonably withheld. If the Borrower fails to maintain the coverage described above, Lender inay, at its option, obtain coverage to protect its rights on the Property in accordance with Paragraph 8. All insurance policies and renewals thereof shall be in a form acceptable to Lender and shall include a standard mortgage clause in favor of and in a form acceptable to Lender. Lender shall have the right to hold the policies and renewals thereof, subject to the terms of any mortgage, deed of trust or other security agreement with a lien which has priority over this Security Instrument. If any insurance proceeds are made payable to Borrower, Borrower shall promptly pay such amounts to Lender, including, without limitation, the endorsement to Lender of any proceeds made by check or other draft. Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or repair of the Property damaged, if the restoration or repair is economically feasible and Lender's security is not lessened. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Borrower. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in Paragraphs 1 and 2 or change the amounts of the payments. If under Paragraph 18 the Property is acquired by Lender, Borrower's right to any insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument immediately prior to the acquisition. The provisions of this Paragraph 5 concerning the payment, disbursement or application of insurance proceeds shall apply to any insurance proceeds covering the Property whether or not (i) Lender is a named insured, (ii) the policy contains a mortgage clause, or (iii) Lender has required Borrower to maintain the insurance. Borrower authorizes and directs any insurer to list Lender as a loss payee on any payment of insurance proceeds upon Lender's notice to insurer of Lender's interest in the insurance proceeds. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. If the Property is abandoned by Borrower, or if Borrower fails to respond to Lender within 30 days from the date notice is mailed by Lender to Borrower that the insurance carrier offers to settle a claim for insurance benefits, Lender is authorized to collect and apply the insurance proceeds at Lender's option either to restoration or repair of the Property or to the aunts secured by this Security Instrument. 6. Preservation and Maintenance of Property; Leaseholds; Condominiums; Planned Unit Developments. Borrower shall keep the Property in good repair and shall not commit nor permit waste or impairment or deterioration of the Property. Borrower shall not do anything affecting the Property that is in violation of any law, ordinance or government regulation applicable to a residential property, and Borrower shall comply with the provisions of any lease if this Security Instrument is on a leasehold. If this Security Instrument is on a unit in a condominium or a planned unit development, Borrower shall perform all of Borrower's obligations under the declaration or covenants creating or governing the condominium or planned unit development, the by-laws and regulations of the condominium or planned unit development, and constituent documents. Unless Lender and Borrower otherwise agree in writing, all awards, payments or judgments, including interest thereon, for any injury to or decrease in the value of the Property received by Borrower will be used to restore the Property or applied to the payment of sums secured by this Security instrument, whether or not then due, with any excess paid to Borrower. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in Paragraphs I and 2 or change the amounts of the payments. Borrower agrees that in the event an award, payment or judgment includes compensation for both injury or decrease in the value of the Property and compensation for any other injury or loss, the total amount of such award, payment or judgment PENNSYLVANIA MORTOAOE;sso,l Original - File M002.3PA P,,., of r 035.103.00002170.5 i cat:1-301 ?ACE 1002 shall be deemed compensation with respect to the Property and Borrower hereby consents to Lender's intervention into any proceedings regarding the Property. 7. Loan Application Process. Borrower shall be in default under this Security Instrument, if Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material information directly bearing on Lender's decision to extend credit to Borrower), in connection with die loan evidenced by the Note. 8, Protection of Leader's Rights In the Property. If Borrower fails to perform the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect tender's rights in the Property (such as a proceeding in bankruptcy, probate, for condemnation, forfeiture, or to enforce laws or regulations), then Lender may do and pay for whatever is necessary to protect the value of the Property and Lender's rights in the Property. Lender's actions may include paying any sums secured by a lien which has priority over this Security Instrument, appearing in court, paying reasonable attorneys' fees and entering on the Property to make repairs or abate nuisances. Although Lender may take action under this Paragraph 8, Lender does not have to do so. The right of Lender to protect lender's rights in the Property shall include the right to obtain at Borrower's expense, property inspections, credit reports, appraisals, opinions of value or other expert opinions or reports, unless prohibited by law. Any amounts disbursed by lender under this Paragraph 8 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon demand of Lender. The Borrower's obligation to pay the amounts advanced by Lender under this Paragraph 8 shall continue in full force and effect after the entry of any judgment in mortgage foreclosure or a judgment on the Note. 9. Mortgage Insurance. If Lender required mortgage insurance as a condition of making the loan secured by this Security Instrument, Borrower shall pay the premiums required to maintain the insurance in effect until such time as the requirement for the insurance terminates in accordance with Borrower's and Lender's written agreement or applicable law. 10. Inspection. Lender may make or cause to be made reasonable entries upon and inspections of the Property, provided that Lender shall give Borrower notice prior to any such inspection specifying reasonable cause therefor as related to Lender's interest in the Property. 11. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of the Property, or part thereof, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender, subject to the terms of any mortgage, deed of trust or other security agreement with a lien which has priority over this Security Instrument. In the event of a total taking of the Property, the proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Borrower. In the event of a partial taking of the Property in which the fair market value of the Property immediately before the taking is equal to or greater than the amount of the sums secured by this Security Instrument Immediately before the taking, unless Borrower and Lender otherwise agree in writing, the sums secured by Us Security Instrument shall be reduced by the amount of the proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the taking, divided by (b) the fair market value of the Property immediately before the taking. Any balance shall be paid to Borrower. In the event of a partial taking of the Property in which the fair market value of the Property immediately before the taking is less than the amount of the sums secured immediately before the taking, unless Borrower and Lender otherwise agree in writing or unless applicable law otherwise provides, the proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the condemnor offers to make an award or settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the proceeds, at its option, either to restoration or repair of the Property or the sums secured by this Security Instrument, whether or not then due. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in Paragraphs 1 and 2 or change the amount of such payments. PENNSYLVANIA MOBr0A0Emou Origjnai - File it6n' l:361 ;t:0, 103 M002.4PA P.,. ? „ 7 035.103.00002170.5 12. Borrower Not Released; Forbearance By Lender Not a Waiver; Acceptance of Partial Payment. Extension of the time for payment or modification of amortization of the surns secured by this Security Instrument granted by Lender to Borrower or any successor in interest of Borrower shall not operate to release, in any manner, the liability of the original Borrower and Borrower's successors in interest. Lender shall not be required to commence proceedings against such successor or may refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security instrument by reason of any demand made by the original Borrower and Borrower's successors in interest. Any forbearance by Lender an one or more occasions in exercising any right or remedy hereunder, or otherwise afforded by applicable law, shall not be a waiver of or preclude the later exercise of that or any other right or remedy. Lender may accept partial payments from Borrower, without waiving or forbearing any of its rights under this Security Instrument or under the Note even if such payments are notated as a payment in full, or with a notation of similar meaning. 13. Successors and Assigns Bound; Joint'and Several Liability; Signers. The covenants and agreements herein contained shall bind, and the rights hereunder shall inure to, the respective successors and assigns of Lender and Borrower, subject to the provisions of Paragraph 17 hereof. All covenants and agreements of Borrower shall be joint and several. Any Borrower who signs this Security Instrument, but does not execute the Note: (a) is signing this Security Instrument only to mortgage, grant and convey that Borrower's interest in the Property to Lender under the terms of this Security Instrument, (b) is not personally liable on the Note or under this Security Instrument, and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrower's consent. 14. Notice. Except for any notice required under applicable law to be given in another manner: (a) any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing such notice by first class mail addressed to the Property Address or to such other address as Borrower may designate by notice to Lender as provided herein, and (b) any notice to Lender shall be given by first class mail to Lender's address stated herein or to such other address as Lender may designate by notice to Borrower as provided herein. Any notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given in the manner designated herein. 15. Governing Law; Severability. The state and local laws applicable to this Security Instrument shall be the laws of the jurisdiction in which the Property is located. The foregoing sentence shall not limit the applicability of federal law to this Security Instrument. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision, and to this end, the provisions of this Security Instrument and the Note are declared to be severable. As used herein, "costs,' "expenses" and "attorneys' fees" include all sums to the extent not prohibited by applicable law or limited herein. 16. Borrower's Copy. Borrower shall be furnished a copy of the Note and of this Security Instrument at the time of execution or after recordation hereof. 17. Tr2usfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the daze the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period. Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. Is. Acceleration; Remedies. Except as provided in Paragraph 17 hereof, upon Borrower's breach of any covenant or agreement of Borrower in this Security Instrument, including the covenants to pay when due any sums secured by this Security Instrument, Lender prior to acceleration shall give notice to Borrower as provided in Paragraph 14 hereof specifying: (1) the PENNSYLVANIA MORTGAGE 19501) Original - File MOO2.6PA P.,$.17 035.103.00002170.5 Eoa?.1301 FA;E100-1 breach; (2) the action required to cure such breach; (3) a date, nofless than 30 days from the date the notice is mailed to Borrower, by which such breach must be cured; and (S) that failure to cure such breach on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument or foreclosure by judicial proceeding. The notice shall further inform Borrower of the right to reinstate this SLqurity Instrument after acceleration and the right to bring a court action or to assert in the judicial proceeding the nonexistence of a default or any other defense of Borrower to acceleration and foreclosure. If the breach is not cured on or before the date specified in the notice, Lender, at Lender's option may declare all of the sums secured by this Security Instrument to be immediately due and payable without further demand and may foreclose this Security instrument by judicial proceeding and any other remedies permitted by applicable law. Lender shall be entitled to collect all expenses of foreclosure, including, but not limited to, reasonable attorneys' fees, court costs, and costs of documentary evidence, abstracts and title reports, even if the breach is cured prior to the completion of any foreclosure. Borrower agrees that the interest rate payable after judgment is entered on the Note, or in an action of mortgage foreclosure, shall be the rate payable from time to time under the Nate. 19. Borrower's Right to Reinstate. Notwithstanding Lender's acceleration of the sums secured by this Security Instrument due to Borrower's breach, Borrower shall have the right to have any proceedings begun by Lender to enforce this Security Instrument discontinued up to one hour prior to sale of the Property if. (a) Borrower pays Lender all sums which would be then due under this Security Instrument and the Note had no acceleration occurred; (b) Borrower cures all breaches of any other covenants or agreements of Borrower contained in this Security Instrument; (c) Borrower pays all reasonable attorneys' fees, trustees' fees and court costs; and (d) Borrower takes such action as Lender may reasonably require to assure that the lien of this Security Instrument, Lender's interest in the Property and Borrower's obligation to pay the sums secured by this Security Instrument shall continue unimpaired. Upon such payment and cure by Borrower, this Security Instrument and the obligations secured hereby shall remain in full force and effect as if no acceleration had occurred. This right to reinstate shall not apply, however, in the case of acceleration pursuant to Paragraph 17. 20" Assignment of Rents; Appointment of Receiver. As additional security hereunder, Borrower hereby assigns to Lender the rents of the Property, provided that Borrower shall. prior to acceleration under Paragraph 18 hereof or abandonment of the Property, have the right to collect and retain such rents as they become due and payable. Upon acceleration under Paragraph 18 hereof or abandonment of the Property. Lender, in person, by agent or by judicially appointed receiver, shall be entitled to enter upon, take possession of and manage the Property and to collect the rents of the Property including those past due. All rents collected by Lender or the receiver shall be applied first to payment of the costs of management of the Property and collection of rents, including, but not limited to, receiver's fees, premiums on receiver's bonds and reasonable attorneys' fees, and then to the sums secured by this Security Instrument. Lender and the receiver shall be liable to account only for those rents actually received. 21• Hamrdous Substances, Borrower shall not cause or permit the presence, usc, disposal, storage, or release of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate for normal residential uses and for maintenance of the Property. Borrower shall promptly give Lender written notice of any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge. If Borrower learns, or is notified by any governmental or regulatory authority, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. As used in this Paragraph 21, "Hazardous Substances" are those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials. As used in this Paragraph 21, "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection. PENNSYLVANIAMORTGAGEtsson Original - File M002•ePA P.O. 6 o17 035-103.00002170.5 22? Release. Upon payment of all soon secured by this Security Instrument, Lendcr shall release the Security Instrument. Borrower shall pay any release fees and costs of recordation unless applicable law provides otherwise, 23. Purchase Money Mortgage. If any of the debt secured by this Security Instrument is lent to Borrower to acquire title to the property, this Security Instrutment shall be a purchase money mortgage. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security instrument and In any rider(s) executed by Borrower and recoiled with it. (Seal) ... 7-r?.. J,: (Sea!) Kim erly A Robert .K.A. Kimberly A. BaNeter (Seal) (Seal) -9onower I, dE Residence,,,,-,, Certificate of??RJeessiid?eennlc.Je the within- Len ris 60" rTrindle Road, CO PENNSYLVANIA, ?1'1Li C? On this, the day of personally appeared person(s) whose mate(s) C,,'% -?-sttbscdbed to the within instrument executed the same for the purposes herein contained. IN WITNESS WHEREOF, I hereunto set my hand and official My Commission Expires: Title or O ..ecr Notarial 3edl Lisa A. Fnkenbinder. Notary Publtc Lawer Paxton Twp., Oau min My Commission Fraires Oec. Iq? j g96 rvkrrd?, PeNtSMm raAssc ?d Notart25 do hereby certify that the correct address of Suite 1002, Shiremanstown, PA 17011 Witness my hand this day of ti MMONWEALT'H OF 'N6. C. Agent of Lander I Y?\ County ss: 'C Ili , before me, the undersigned officer, y? X,tiaGr4, !t. ARUA 'j- oil 6 known to me (or satisfactorily proven) to be the PENNSYLVANIA MORTGAGE (Sion Original - File M002.711A Pigs 7or, -'-035=103'00002170=5 eucK1:31i1 PAU1006 e 0 035.103.00002170.5 NOTE 007a$0;730 Januaryo25, 1996 13 West Pine St, Mt Holly Springs, PA 17065 Pmpeny Address 1. BORROWER'S PROMISE TO PAY In return for a loan that I have received, I promise to pay Fi fty-One Thousand and 00/100 Dollars (u.s. s 51,000.00 ) (this amount will be called 'principal"), plus interest, to the order of the Lender. The Lender is TMS Mortgage Inc. , dba The Money Store I understand that the Lender may transfer this Note. The Lender or anyone who takes this Note and who is entitled to receive payments under this Note will be called the 'Note Holder." 2. DVTEREST I will pay interest at an annual rate of 11.490 % Interest will be charged on unpaid principal beginning on February 1, 1996 and will continue until the full amount of principal has been paid. Interest shall continue to accrue at this rate after the maturity or default of this loan, and after the entry of any judgment on this Note. 3. PAYMENTS I will pay principal and interest by making payments each month in the sum of U.S. S 595.45 ("monthly payments"). I will make my monthly payments on the Fi rst day of each month beginning on March 1, 1996 I will make monthly payments every month until I have paid all of the principal and interest and any other fees or charges, described below, that I may owe under this Note. If, on February 1, 2011 any sum still remains unpaid, I will pay what I owe in full on that date. All monthly payments received by Note Holder shall be applied first to accrued interest and the remainder, if any, to the principal. If I owe the Note Holder any late charges, or otter fees or charges ("other charges"), they will be payable upon demand of the Note Holder. Unless prohibited by law, the application of payments may be affected by the imposition of other charges. Therefore, payments of other charges, whether paid to the Note Holder in addition to the monthly payment or separately, will be applied in a manner at the absolute discretion of the Note Holder, subject to applicable law. I will make my monthly payments at P.Q. Box 1058, Newark, NJ, 07101.1058 or at a different address if required by the Note Holder. 4. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charge for Overdue Payments If the Note Holder has not received the full amount of any of my monthly payments by the end of 10 calendar days after the date it is due, 1 will promptly pay a late charge to the Note Holder. The amount of the charge will be 5.00 % of my full monthly payment. I will pay this late charge only once on any laze monthly payment. (B) Default If I do not pay the full amount of each monthly payment on the date it is due, I will be in default. PENNSYLVANIA NOTE(ACTUARIALI loath Original - File N1001.1 PA a,y t ai EXHIBIT 0 0 (C) Notice or Default If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date, the Note Holder may require me to pay immediately the full amount of principal which has not been paid and ail the interest that I owe on that amount. That date must be at least 30 days after the date on which the notice is delivered or mailed to me. (D) No Waiver by Note Holder Even if, at a time when I am in default, the Note Holder does not require me to pay immediately In full at described above, the Note Holder will still have the right to do so if 1 am in default at a later time. (E) Payment of Note Holder's Costs and Expenses If the Note Holder has required me to pay immediately in full as described above, the Note Holder will have the right to be paid back for all of its costs and expenses to the extent not prohibited by applicable law, Those expenses include, for example, reasnnable attorneys' reel roreciesure fees and court costs. (F) Check Collection Charges If I present the Note Holder with a check, negotiable order of withdrawal, share draft or other instrument In payment that is returned or dishonored for any reason, I will pay a check collection charge to the Note Holder. The amount of the charge will not be greater than U.S. S 15.00 S. THIS NOTE SECURED BY A SECURITY INSTRUMENT In addition to the protections given to the Note Holder under this Note, a Mortgage. Deed of Trust or Security Deed (the 'Security Instrument"), on real property (the "Property") described in the Security Instrument and dated the same date as this Note, protects the Note Holder from possible losses which might result if 1 do not keep the promises which I snake in this Note. The Security Instrument describes how and under what conditions I may also be required to make immediate payment in full of all amounts 1 owe under this Note. Some of these conditions are as follows: Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of act less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 6. BORROWER'S PAYMENTS BEFORE THEY ARE DUE Subject to the application of payments described in Section 3, I have the right to make payments of principal at any time before they are due. A prepayment of all of the unpaid principal is known as a "full prepayment.' A prepayment of only pan of the unpaid principal is known as a "partial prepayment." If 1' make a partial prepayment equal to one or more of my monthly payments, my due date may be advanced no more than one month. If I make any other purtial prepayment, I must still make each later payment as it becomes due and in the same amount. If the original principal amount of this loan is $50,000 or less, I may snake a full prepayment or a partial prepayment without paying any penalty. However, if the original principal amount of this Note exceeds 550,000, and, if within the first N/A months from the date of this loan, I make any prepayment(s) within any 12 month period whose total amount exceeds 20 percent of the original principal amount of this loan, I will pay a prepayment charge equal to six months' interest on the amount by which the total of my prepayment(s) within that 12 month period exceeds 20 percent of the original principal amount of this loan. 7. BORROWER'S WAIVERS 1 waive my rights to require the Note Holder to do certain things. Those things are: (A) to demand payment of amounts due (known as "presentment"); (B) to give notice that amounts due have not been paid (known as "notice of dishonor"); (C) to obtain an official certification of nonpayment (known as "protest"). Anyone else who agrees to keep the promises made in this Note, or who agrees to make payments to the Note Holder if 1 fail to keep my promises under this Note, or who signs this Note to transfer it to someone else, also waives these rights. These persons are known as "guarantors,' "sureties" and 'endorsers.' PENNSYLVANIA NOTE (ACTUARIAL)(9-12) Original - File M0n1-2PA Pag.2 cf 3 035-103-00002170.5 • s 8. GIVING OF NOTICES Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing it by first class mail addressed to me at the Property Address described in the Security Instrument. A notice will be delivered or mailed to me at a different address if I give the Note Holder a notice of my different address. Any notice that must be given to the Note Holder under this Note will be given by mailing it by first class mail to the Note Holder at the address stated in Section 3. A notice will be mailed to the Note Holder at a different address if I am given a notice of that different address. 9. RESPONSIBMrff OF PERSONS UNDER THIS NOTE If more than one person signs this Note, each of us is fully and personally obligated to pay the full amount owed and to keep all of the promises made in this Note. Any guarantor, surety, or endorser of this Note (as described in Section 7 above) is also obligated to do these things. The Note Holder may enforce its rights under this Note against each of us individually or against all of us together. This means that any one of us may be required to pay all of the amounts owed under this Note. Any person who takes over my rights or obligations under this Note will have all of my rights and must keep all of my promises made in this Note. Any person who takes over the rights or obligations of a guarantor, surety, or endorser of this Note (as described in Section 7 above) is also obligated to keep all of the promises made in this Note. This Note is intended by lender and me as a complete and exclusive statement of its tents, there being no conditions to the enforceability of this Note. This Note may not be supplemented or modified except in a writing signed by me and the Note Holder. This Note benefits Lender, its successors and assigns, and binds me and-my heirs, personal representatives and assigns. 30. APPLICABLE LAW This Note shall be governed by the laws of the State of Pennsylvania. If a law which applies to this loan and sets maximum loan charges is finally interpreted so that the interest and other charges collected or to be collected in connection with this loan exceed the permitted limits, then: (A) any such interest or other charge shall be reduced by the amount necessary to reduce the interest or ocher charge to the permitted limit; and (B) any sums already collected from me which exceeded permitted limits will be refunded to me. The Note Holder may choose to snake this refund by reducing the principal I owe under this Note or by making a direct payment to me. If a refund reduces principal, the reduction will be treat as a partial prepaym . 11. BORROWER'S COPY I hereby acknowledge receipt of a filled-in copy of this Note. 1 ?? ( 4- ' (Seal) J, r 11.11q, • G.f fG •?%?, (Seal) E Rpberts Borrower Kimoerly A Robertli F.K.A. Kimberly A. Bamemer -Borrower Pay to the order of: (Seal) TMS Mortgage Inc`., dba The Money Store By 1. L. BIMM, ASST. VICE PRESIDENT' (Seal) -Borrower (Sign Original Note Only) PENNSYLVANIA NOTE tACTUABIAL119412, Original - File 161001.3PA P.Q. 3.13 035-103-00002170-5 DESCRIPTION ALL THAT CERTAIN tract of land with the improvements thereon erected situate in the Borough of Mount Holly Springs, Cumberland County, Pennsylvania, bounded and described in accordance with Subdivision Plan for Lester DeVanie prepared by Larry V. Neidlinger, Registered Surveyor, dated September 24, 1984, a copy of which is recorded in the hereinafter named Recorder's Office in Plan Book 47, page 26, which Plan is incorporated herein by reference, as follows: BEGINNING at a point on the Southern line of West Pine Street at the dividing line between properties known as I1 and 13 West Pine Street, which point at the Place of Beginning is North 85 degrees 39 minutes West a distance of 41.48 feet from a point at the intersection at the Southern right-of-way line of West Pine Street with the Western right-of-way line of 30 feet wide Hollinger Avenue on said Subdivision Plan; thence from said point at the Place of Beginning along said dividing line between properties known as it and 13 West Pine Street, South 04 degrees 10 minutes I I seconds West a distance of 102.56 feet to a point on line of land now or formerly of Stoerzinger; thence along line of said land now or formerly of Stoerzinger, South 80 degrees 08 minutes West a distance of 46.52 feet to an existing iron pin; thence North 02 degrees 17 minutes 29 seconds East a distance of 114.05 feet to a point on the Southern line of West Pine Street; thence along the Southern line of West Pine Street, South 85 degrees 39 minutes East a distance of 48.87 feet to a point at the Place of BEGINNING. THE ABOVE-described tract of land is improved with a one-story brick dwelling known as and numbered 13 West Pine Street, Mt. Holly Springs, Pennsylvania. BEING Tax Parcel # 23-32-2336-321 ' EXHIBIT e 5 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE THE COMMONWEALTH OF PENNSYLVANIA'S HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM MAY BE ABLE TO HELP YOU. READ THE FOLLOWING NOTICE TO FIND OUT HOW THE PROGRAM WORKS. If you need more information call the Pennsylvania Housing Finance Agency at 1 (800) 342-2397 LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. EXHIBIT F `L4 r3W13%15n R(1fl' PLF..U71SG..ACT^LrrC G ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS Date: May 6, 1999 RE: Account No.: 72807530 TO: Kimberly A. Roberts f.k.a. Kimberly A. Barrett 13 West Pine Street Mount Holly Springs, Pennsylvania 17065 PROPERTY: 13 West Pine Street Mount Holly Springs, Cumberland County, Pennsylvania 17065 FROM: Axel A. Shield, II, Esquire Attorney for The Bank of New York as Trustee under the Pooling and Servicing Agreement dated as of February 29, 1996, Series 1994-A You may be eligible for financial assistance that will prevent foreclosure on your mortgage if you comply with the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Act"). You may be eligible for emergency temporary assistance if your default has been caused by circumstances beyond your control, you have a reasonable prospect of resuming your mortgage payments, and if you meet other eligibility 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 entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with a representative of this lender, or with a designated consumer credit counseling agency. The purpose of this meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency. This meeting must occur in the next (30) days. If you attend a face-to-face meeting with this lender, or with a consumer credit counseling agency identified in this notice, no further proceeding in mortgage foreclosure may take place for thirty (30) days after the date of this meeting. The name, address and telephone number of our representative is The Money Store Kelly Deal 4111 South Darlington, Suite 800 Tulsa, Oklahoma 74135 Telephone (888) 791-2070 or (918) 280-2700 ext. 2887 Fax(918)280-2719 The names and addresses of designated consumer credit counseling agencies are shown on the attached sheet. It is only necessary to schedule one face-to-face meeting. You should advise this lender immediately of your intentions. Your mortgage is in default because you have failed to pay promptly installments of principal and interest, as required, for a period of at least sixty (60) days. The total amount of the delinquency is $4,475.77. That sum includes the following: 7 payments of principal and interest @595.45 ........................ $4,168.15 6 late charges @ 29.77 ............................................ 178.62 Corporate Advance Fee ............................................ 100.00 Accrued Returned Check Charges ..................................... 15.00 Recordation of Release ......................................... 14.00 TOTAL ...................................................... $4,475.77 If you have tried and are unable to resolve this problem at or after your face-to- face meeting, you have the right to apply for financial assistance from the Homeowners' Emergency Mortgage Assistance Fund. In order to do this, you must fill out, sign and file a completed Homeowners' Emergency Assistance Application with one of the designated consumer credit counseling agencies listed on the attachment. As application for assistance may only be obtained from a consumer credit counseling agency. The consumer credit counseling agency will assist you in filling out your application and will submit your completed application to the Pennsylvania Housing Finance Agency. Your application must be filed or postmarked, within thirty (30) days of your face-to-face meeting. 3 It is extremely important that you file your application promptly. If you do not do so, or if you do not follow the other time periods set forth in this letter, foreclosure may proceed against your home immediately. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. It is extremely important that your application is accurate and complete in every respect. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that additional time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by that Agency of its decision on your application. The Pennsylvania Housing Finance Agency is located at 2101 North Front Street, Post Office Box 8029, Harrisburg, Pennsylvania 17105. Telephone No. (717) 780-3800 or 1-800-342-2397 (toll free number). Persons with impaired hearing can call (717) 780-1869. In addition you may receive another notice from this lender under Act 6 of 1974. That notice is called a "Notice of Intention to Foreclose". You must read both notices, since they both explain rights that you now have under Pennsylvania law. However, if you choose to exercise your rights described in this notice, you cannot be foreclosed upon while you are receiving that assistance. Very truly yours, CAP N & LUBER, L jPj By: czz? -/; Axel hi Id, II, Esquire UNLESS YOU NOTIFY US IN WRITING WITHIN THIRTY (30) DAYS AFTER RECEIPT OF THIS LETTER THAT THE DEBT, OR ANY PART OF IT, IS DISPUTED, WE WILL ASSUME THAT THE DEBT IS VALID. IF YOU DO NOTIFY US OF A DISPUTE, WE WILL OBTAIN VERIFICATION OF THE DEBT AND MAIL IT TO YOU. ALSO UPON YOUR WRITTEN REQUEST WITHIN THIRTY (30) DAYS, WE WILL PROVIDE YOU WITH THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR IF DIFFERENT FROM THE CURRENT CREDITOR. THIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 4 Consumer Credit Counseling Agency Notification To: Date: Name of Mortgagee Address In accordance with the Pennsylvania Homeowners' Emergency Mortgage Assistance Program (Act 91 of 1983), we have been approached for mortgage counseling assis-ance by: Name of Applicant Address Telephone Number Mortgage Loan Number Address of property on which mortgage is in default, if different from above. The counseling agency met with the above named applicant on Date who have indicated that they are more than sixty days delinquent on their mortgage payments and have received notification of intention to foreclose from Name and Address of Mortgagee In accordance with the Homeowners' Emergency Mortgage Assistance Program, this is to inform you that : 1. If the delinquency cannot be resolved within the 30 day forbearance period as provided by law, the applicant listed above may apply to the Pennsylvania Housing Finance Agency for Mortgage Payment Assistance. 2. By a copy of this Notice, we are notifying all other mortgagees, if any, which the applicant has indicated as also having a mortgage on the property identified above. 3. It is our understanding that the 30 day forbearance period in which we are now in ends on 4. No legal action to enforce the mortgage may occur during this forbearance period, unless procedural time limits were not met by the homeowner. Name of Counseling Agency: Signer and Title Telephone Number Address PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES ADAMSCOUNTY American Red Cross-Hanover Chapter 529 Carlisle Street Hanover, PA 17331 (717) 637-3768 FAX m (717) 61.7-3294 Consumer Credit Counseling Service of Western Pennsylvania, Inc. 2000 Unotestown Road Harrisburg, PA 17102 (717) 541-1757 Elair County Economic Opportunity Council 5x33 Industrial Avenue Altaona, PA 16601 (814) 946-3651 FAX m (814) 946-5451 Financial Services Unlimited 117 West 3rd street Waynesboro, PA 17268 (717) 762-3285 ALLEGHENY COUNTY Acdon Housing, Inc. Number Two Gateway Canter 9th Fioar Pittsburgh, PA 15"'22 (412)391-1956 Community Action Southwest 22 West High Street Waynesburg, PA 15370 (412) 852-2893 Consumer Credit Counseling Service of Western Pennsylvania. Inc. 309 Smithfie!d Street Pittsburgh, PA 15222 (412) 471-75884 Housinc OPPOnunitie Inc. 133 Seventh Street McKeespcrt. PA 15132 (d,2) 661_i550 FAX m (412) 664-0872 Mon-Valley Unemployed Committee 120 E. 9th Avenue Homestead, PA 15120 (412) 462-9962 Urban League of Pittsburgh, Inc. buiidino Far E?ual Oooanunity One Smithfield Street Pittsburgh, PA 15222'??? (412) 261-1130 FAX (412) 26. 1-6707 ARMSTRONG COUNTY Consumer Credit Counse!!ng Service of Western Pennsylvania. Inc. 500-02 3rd Avenue Post Office Eox 278 Ouncansviile, PA (814) 696-3546 Indiana County Community Action Proaram 827 Water Street. Eox 187 Indiana, PA 15701 (412) 465 =657 FAX m (d12) d65 _=_118 BEAVER COUNTY Arlon Housing, Inc. Housing Opportunities of Eeaver Number Two Gateway Canter County, Inc. 9th Fieor 334 Insurance Street Pittsburgh, PA 15222 Beaver, PA 15009 (412)391-1956 (412) 728-7511 Consumer Credit Counseiing Service Man-Valley Unemployed Ccmmiiies of Wester Pennsylvania. Inc. 120 E. 9th Avenue 524 Franklin Avenue Homestead. PA 15120 Franklin Canter (412) 762-9962 Aliquippa, PA 15001 BEDFORD COUNTY Eedford-Fuiton Housing Servicas Tableland -cervices. Inc. R.D. 1, Box 384 131 North Center Avenue Evete*t. PA 15537 Somerset. PA 15501 (814) 623-9129 (814) 445-9628 FAX m (814) d43 X690 Consumer Credit Counseiing Se vica 'Neathenzation Cfnca of Western Pannsvivania.Inc. 917 Mifflin Street 500-02 3rd Avenue Huntingdon, PA i6E52 Post Office Box 278 Ountansviile. PA (814)6_96-3546 Kevstane Economic Development Cgmorat.on 1954 Mary Grace Lane Johnstown. P.4 15901 (814)535-6556 FAX-, (814) E39-1688 SERKS COUNTY Eudaet Counseling Center Economic Ooacaunity Cacinet of 247 North Fifth Street Schuylkill County Reading, PA 19601 118 Norweician Street (215) 375-7865 Pottsville, F.4 17901 FAX m (215) _176-65 15 (717) 622-1995 FAX m (717) 622-0429 ronoeur C,MMUCFgnegm C-.71 nm 7 Consumer Credit Counseling Service of Lehigh Valley 3671 Crescent Court East Whitehall, PA 18052 (610) 821-4011 or 1 (800) 220-2733 (717) and (814) ONLY fax m (215) 821-0137 Bedford-Fulton Housing Services R.D. 1, Box 384 Everett, PA 15537 (814) 623-9129 FAX m (814) 623-7187 Blair County Economic Opportunity Council 5433 Industrial Avenue Altoona, PA 16601 (814) 946-3651 FAX m (814) 946-5451 Consumer Credit Counselina Service of Wester Pennsylvania. Inc. 500-02 3rd Avenue Post Office box 278 Duncansviiie, PA (814) 696-3546 Consumer Credit Counselina Service of Northeastern Pennsylvania Human Services Suiidina ! 41 Wyoming Avenue Box 168 Sc.anton, PA 18501 (717) 342-1072 or 1 (800) 922-9537 FAX m (717) 342-0040 31 W. Market Street Wilkes-Barre, PA 18702 (717) 821-0837 or 1 (800) 922-9537 FAX # (717) 821-1785 La Case Del Puebla 815 W. Baltlmare Pike Kennett Square, PA 19348 (215) 4443731 FAX T (215) 444-3178 BLAIR COUNTY Keystone Ecancmic Development Corporation 1954 Mary Grace Lane Johnstown, PA 15:01 (814) 535-065a- FAX m (814) 539- ; 688 Weathen¢adon office 917 Mifflin Street Huntinadon, PA 16652 BRADFORD COUNTY His Maiesty Fellowship Church 207 Penn Ave. P.O. Box 104 Athens, PA 18810 (Wed. Sri.) (717) 888-0024 17 Caftan Street Weilsbora. PA 16-c01 (717) 724-5252 PnoaLSI.CV0 =XOREMOS INO The Trehab Center of Northeastern Pennsylvania 7 Lake Avenue BOX 339 Montrose, PA 18801 (717) 278-3338 or 1 (800) 982-1045 FAX # -717) 278-1889 185 Elmira Street P.O. Box 218 Tray, PA 16947 (717) 297-2101 German Street P.O. Box 389 Oushore, PA 186tn (717) 928-c-668 Acorn Housing Corpordcn 846 North Broad Street Phiiadelphia. PA 19130 (215) 76E-1221 FAX # (215) 765-1427 AM Credit Counseling Insdtute 144 East Oekalb Pike. Suite 100 King of Prussia, PA 19406 (610) 3E4-?922 Bucks County Housing Group, Inc. 1140 East Richardson Avenue Lanchome. PA 19047 (215) 750-1310 FAX # (215) 750-4318 Hispanic Assoc:atian of Ccrrzractors & Enterprises 2921-Z7 North 5th Street Fhiiadelohia. Pa 19133 (215) 426-3025 FAX # (215) A26-3027 602%Chruch Street P.O. Sax 97 Homesdale, PA 18431 (717) 258-4987 103 Warren Street P.O. Box 709 Tunkhannack, PA 118667 (717) 836.6840 BUCKS COUNTY Consumer Credit Ccunseline Service or Delaware Valley 12 i 1 Chesnut Street. Suite 300 Phiiadeichia. PA. 19107 (Z15) 553 cc F.7X m (215) 864-=6666 Consumer Credit Counse!ine Service of Lehigh Valley 3671 Crescent Court East Whitehall, PA 18052 (610) 821-1011 or 1 (600) 220-2723 (717) and (814) ONLY FAX # (215) 821-0127 F!DOCSIST{,pUgLy6FOIlEROS?AC•1?NOT CARHON COUNTY Economic Opportunity Cabinet Consumer Credit Counseling Service of Schuylkill County of Lehigh Valley 118 Norweiaian Street 3671 Crescent Court Pottsville, PA 17901 East Whitehall, PA 18052 (717) 622-1995 (610) 821-1011 or 1 (800) 220-2733 FAX m (717) 622-0429 (717) and (814) ONLY FAX m (215) 821-0137 Consumer credit Counseling Service Commission an Economics Opportunity of Northeastern Pennsylvania of Luzeme County Human Services building 211-213 South Main Street 541 Wyoming Avenue Wilkes-Barre, AP 18701 Eax 168 (717) 826-0510 or 1 (800) 822-035-9 Scranton, PA 18501 FAX m (717) 829-1665 (717) 342-1072 or 1 (600) 922-9537 Cail before f xina FAX m (717) 1-42-3040 (717) 836-090 Tunkhannock 31 W. Market Street Wilkes-Earre, PA 18702 (717) 821-0837 or 1 (800) 922-9537 FAX m (717) 821-1785 CENTRE COUNTY Consumer Credit Counselina Service Lyccmina ,Tinton Counties of Western Pennsvlvania. Inc. Commission For Community 500-02 3rd Avenue Action (S i cP) Post Office Eox 278 2138 Lincoln Street Ouncansviile, PA P.O. Box 1228 (814) 696-3546 Williamscon. PA 177 03 (717) 326-0587 FAX m (717) 322-2197 CHESTER COUNTY Acorn Housing Corporation La Cas De! Pueblo 846 North Eraad Street 815 W. Saitimcre Pike Phiiade!phia. PA 19130 Kennett Square. PA 19248 (215) 765-1221 (610) A' -3721 FAX T (215) 765-1427 FAX -1 (610) 454-3178 AM Credit Counselina Institute Media Fe!IowshiD house 144 East Dekalb Pike. Suite 100 302 S..:acksan street Kinc of Prussia PA 19406 Media. PA 19062 (610) 354-9922 (610) 555-0846 F `DOGtT.:YUBI]CFORECLOSNC?I210r BUTLER COUNTY Action Housing Inc. Housing Opportunities, Inc. Number Two Gateway Center 133 Seventh Street 9th Floor McKeesport, PA 15132 Pittsburgh, PA 15222 (412) 6664-1590 (412) 391-1956 FAX 9 (412) 664-0873 Consumer Credit Counseling Service Man-Valley Unemployed Committee of Western Pennsylvania, Inc. 120 E. 9th Avenue YMCA Building Homestead, PA 15120 339 North Washinaton Street (412) 462-?962 Butler, PA 16001 CAMBRIA COUNTY Bedford-Fulton Housing Se vices Keystone Economic Development R.D. 1, Box 384 Corporation Everett. PA 15537 1954 Mary Grace Lane (814) 623-9129 Johnstown. PA 15901 FAX1: (814) 623-7187 (814) 535-6556 FAX m (814) 539-1688 Consumer Credit Counselina Service Tableland Services Inc. of Westem Pennsvivania. Inc. 131 North Center Avenue 500-02 3rd Avenue Somerset PA 15501 Post office Box 278 (814) 445-9628 Ouncansviile, PA FAX m (814) 443 "690 (814) 686-3546 Indiana County Community Action Program 827 Water Street, Box 187 Indiana, PA 15701 (412) 465-2657 FAX # (412) 465-5118 CAMERON COUNTY Northern Tier Community Action Consumer Credit Counseling Service Corp, of Western Pennsylvania. Inc. 135 W. Fourth Street E00-02 3rd Avenue Emporium. PA 15834 Post Office Box 278 (814) 486-1161 Duncansviile. PA FAX m (814) A86-3370 (814) 696-3546 Budget Counseling Center 247 North Fi th Street Reading, PA 14601 (610) 375-7866 FAX R (610) 376-3575 Consumer Credit Counseling Service of Delaware Valley 1211 Chestnut street, Suite 400 Philadelphia, PA 19107 (215) 563-5665 FAX R (215) 864-26EE Hispanic Asscciadon of Contractors & Enterprises 2921-27 North 51:11 Street Philade!hia, PA 19133 (215)42 . E-8025 FAX 11 (215) 4266-3027 Ccnsumer Credit Counse!!na Service of Wester Pennsvivania. Inc. YMCA Eui!dina 339 North Washinatcn Street Eutler, FA 1E001 (412) 282-7812 Keystone E-zcnomic Development Corpordon 1954 Mary Grace Lane ohnstown, PA 15901 (814) 53E?5E6 FAX m (814) 539-,,E88 Indiana County Community Action Prcarm 827 Water Sires, Box 187 Indiana. PA 15701 (a12)46E-2557 FAX # (412) 465-5118 Philadelphia Council for Community Advancement 100 North 17th Street Suite 600 Philadelphia, PA 19103 (215) 567-7803 FAX ;? (215) 963-9941 Tabor Community Service, Inc. 439 E. King Street L-ancaster, PA 17602 (717) 397-5182 or 1 (800) 788-5062 (Homeowners only) FAX m (717) 3991127 CLARION COUNTY CLEARME? D COUNTY Consumer Credit Counse!!na Service of Western Pennsvivania. Inc. 500-02 3rd Avenue Post Office Eox 278 Duncansviile. PA (814) 695-3546 P:"?OCUT.C9 VB LSCFOREQASACS I316T CLINTON COUNTY Lycaming-Clinton Countles Commission For Community Action (STEP) 2138 Lincoln Street P.O. Box 1328 Williamsport PA 177703 (717) 328-0587 FAX : 117 322-2187 COLUMBIA COUNTY Consumer Credit Counseiine Service Commission an Eccnemics Cgparrunity of Northeaster Pennsvivania of Luzeme Ccunrv Human Services Building 211-213 South Main Street 641 Wyoming Avenue Wilkes-Barre, PA 18701 Box 168 (717) 826-0610 or 1 (800) 822-0255 Scranton, PA 18501 FAX m (717) 829-1666 (717) 342-1072 or 1 (800) 922-2537 Call before fixing FAX.; (717) 242-3040 (717) 4551994 Hazeitcn FAX m (717) 455-6e31 Call be%cre faxing (717) 8251090 Tunkhanncc:: 31 W. Marker Street Wilkes-Barre, PA 18702 (717) 621-0837 or 1 (800) 922-9527 FAX m (717) 821-1785 CRAWFORD COUNTY Booker T. Washington Center John F. Kenneav Center, Inc. 1720 Holland Street 2021 Esst 20th Street Erie. PA 16503 Erie. P.4 16810 (814) 453-5744 (814) 898-0400 FAX (814) A53-5749 FAX -1 (814) 898-1243 Greater Erie Community Action Shenanao Valley Urban League. Inc. Committee 6001 Indiana Avenue 18 West 9th Street Farrell, PA 16121 Eie, PA 16501 (412)981_:310 (814) d59s531 FAX m (814) 456-0161 F:`DOCl1T{,p UCjapE- S C.-91NOT CUMBERLAND COUNTY Consumer Credit Counseling Service of Western Pennsylvania, Inc. 2000 Unglestown Road Harrisburg, PA 17102 (717) 541-1757 Urban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, PA 17101 (717)234-5925 FAX 9 (717) 232-4985 Fnancial Services Unlimited 117 West 3rd Street Waynesboro. PA 17268 (717) 762-3285 Consumer Credit Counselina Service of Western Pennsylvania, Inc. 2000 Unclestown Road Harrisbrua, PA 17102 (717) 541-1757 Accm Housing Corporation 846 North broad Street Phiiade!phia. PA 14130 (215) 765-1221 FAX m (215) 765-1427 AM C. edit Counseling Institute 144 East Deka!b Pike, Suite 100 Kina of Prussia. PA 19406 (610) 354-5922 Consumer Credit Counseling_ Service of Delaware Va!lev '1211 Chestnut sweet. Suite 400 Philadelphia, PA 19107 (215) 553-5665 FAX -1 (215) 864-2666 YWCA of Carlisle 301 G Street Carlisle, PA 17013 (717) 243-3818 FAX 4 (717) 243-3948 DAUPHIN COUNTY Urban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, PA 17101 (717) 234-5925 FAX m (717) 232--985 OE-AWARE COUNTY La Cas De! Pueblo 815 W. Baltimore Pike Kennett Square. PA 19348 (610)444-3731 FAX m (610) "-317 8 Media Fe!lowshic house 302 S. Jackson street Media, PA 19063 (610) 565-0846 Philadelphia Ceunci for Communitv Advancement 100 North 17th Street Suite 600 Phi!ade!ohia. P.4 19103 (215) 567-7803 FAX m (215) 96-3-2-241 r.^?-CTMuCrone¢osnc91r0r Hispanic Association of Contractors & Enterprises 2921-27 North 5th Street Philadelphia, PA 19133 (215) 426-8025 FAX A (215) 426-8027 E_K COUNTY Northern Tier Community Ac4.en Jahn F. Kennedy Canter, Inc. Corp. 2021 East 20th Street 135 W. Fourth Street Erie, PA 16510 Emporium, PA 15834 (814) 898-0400 (814) 486-1161 FAX ;: (814) 698-1243 FAX T (814) 486-3370 EFRIE COUNTY Backer T. Washington Canter Creaser Erie Community A.ct= Ccmmittee 1720 Holland Street 18 West 9th Street E-ie, PA 16503 Fie. P.4 16501 (814) 8984400 (814) 459=5a 1 FAX -1 (814) 453-5749 FAX ;; (814) 4Sj-0161 Jahn F. Kennedy Canter, Inc. 2024, E3st20th Street Ede. PA 16E10 (814) 898-0400 FAX R (814) 8989_1243 FAYE7TE COUNTY Ac-on Housing Inc. Fayette County Community Ac cn Number Twe Gateway Center Agency, Inc. 9th Fiaor 137 North Eeesan Avenue Fitt_burah, PA 1522 Uniontown, PA 15401 (412) 591-1956 (412) 437-60517 Ed. 58 or 1 (800) 427 INFO FAX m (412) 437-4118 Community Ac?-an Southwest Table!and Services Inc. West High Street 131 North Canter Avenue Waynesburg, FA. 15370 Somerset. P.4 15E01 (412)852-2895 (814)445-9628 FAX "1 (814) 443= 690 F:`D0C1SfC,P0gL'CF0REC0SA?: JINQT 10 Consumer Credit Counseling Service gf Westem Pennsylvania, Inc 1 North Gate Square 2 Garden Center Drive Greensburg, PA 15601 Warren-Forrest Counties E---gnomic Opportunity Council 204 Liberty Street Post CfBae Sax 547 Warren, PA 16365 (814) 726-2400 FAX T (814) 723-0510 Financial Services Unlimited 117 West 3rd Street Waynesboro, PA 17268 (717) 762-3285 YWCA of Carlisle 101 G Street Cariisie. AP 17013 (717) 242-3818 FAX m (717) 243-3948 Bedfdrd-Fulton Hausina Services R.D. 1, Eox 384 Everett PA 15527 (814) 623-9129 FAX m (814) 623-7187 Financial Services Uniimiied 117 West 3rd Street Waynesboro, PA 17268 (717) 762-3285 Action Housing, Inc. Number Two Gateway Center 9th Ficar Pittsburgh, P,4 152?^ Mon-Valley Unemployed Committee 120 E. 9th Avenue Homestead, PA 15120 (412) 462-9962 FOREST COUNTY FRANKLIN COUNTY Consumer Credit Counseling Service of Western Pennsylvania. Inc. 912 South George Street York, PA 17403 American Red Crass - Hanover Chanter 629 Cariisie Street Hanover. PA 17231 (717) 627-37eF) FAX .(717)627-3294 FULTON COUNTY Consumer Credit Counseling Service of Wes' tern Pennsvivania. Inc. 912 South Gearce Street York, PA 17d03 GREFNE COUNTY CammuniN Action Southwestern 22 West High Street Waynesburg, PA 15170 (412) 852-2893 FAX ,y,. (412) 627 -i 13 P"D06lTr{VIlBL[CFURFaOSUCTIl1Or I I Mon-Valley Unemployed Committee Consumer Credit Counseling Service 120 E. 9th Avenue of Western Pennsylvania, Inc. Homestead, PA 15120 1 North Cate Square (412) 462-9962 2 Carden Center Drive Greensburg, PA 15601 HUNTINGDON COUNTY Bedfard-Fulton Housing Services Weathenzation Office R.D. 1, Box 384 917 Mifflin Street Everett; PA 15537 Huntingdon, PA 16652 (814) 623-9129 (814) 843-2943 FAX T (814) 623-7187 Consumer Credit Caunselina Service Indiana County Community Action of Wes' am Pennsylvania, Inc. Proaram 500-02 3rd Avenue 827 Water Street Eax 187 Post Office Eox 278 Indiana, PA 15701 Ouncsnsviiie, PA (412) 465-2657 (814) 696-3546 FAX m (612) 465-9118 Consumer Credit Ccunselina Service Keystone E_cnomic Develooment or Western Pennsylvania. Inc. Corporation 1 Nardi Gate Sauare 1954 Mary Grace Lane 2 Carden Carrier Drive Jchnstown, PA 16501 Greensburg, PA 1°E01 (814) E35-6E55 FAX m (814) E39-;6a8 JEFFERSON COUNTY John F. Kennedy Center, Inc. Indiana Caunrv Community Ac?cn 2021 East 20th Street Prcaram Erie, PA 16510 827 Water Street. Eax 187 (816) 898-0400 Indiana. P.4 15701 FAX (814) 896-1243 (412) 465-2657 FAX R (412) 465-6118 Consumer Credit Counseiina Service of Western Pennsvivania. Inc. YMCA 8uddina 339 North Washina_ran Street Butler, PA 16001 (412) 282-7812 FDL0Cl17{,pmucyORE=A C:/1XOT 1- JUANITA COUNTY Consumer Credit Counseling Service Wentherization Office of Western Pennsylvania, Inc. 917 Mifflin Street 500-02 3rd Avenue Huntingdon, PA 16652 Post Office Sox 278 (814 643-2343 Ouncansville, PA (814) 696-3546 LACKAWANNA COUNTY Consumer Credit Counseling Service Consumer Credit Counseling Service of Northeastern Pennsylvania, Inc. of Northeastern Pennsylvania, Inc. Human Services Building 31 W. Market Street 641 Wyoming Avenue Wilkes-Barre, PA 18702 Box 168 (717) 821-0837 or (800) 922-9537 Scanton, PA 18501 FAX (717) 821-1785 (7177) 342-1072 or (800) 922-9537 FAX (717) 342-8040 LANCASTER COUNTY La Casa Oe! Pueblo Consumer Credit Counseling Service 815 W. Eaitirnore Pike of Westem Pennsvivania. Inc. Kennett Seuare. PA 19348 912 South George Street (215) 444-3731 York, PA 17403 FAX (215) 444-3178 Consumer Credit Counselino Service Tabor Community Services. Inc. of Lehigh Valley 639 E. King Street 3671 Crescent Court Lancaster. PA 17c-02 East Whiiehail, PA 18052 (717) 397-5182 or (800) 788-5052 (Homeowners only) FAX (717) 399-4127 LAWRENCE COUNTY Consumer Credit Counseling Service Shenago Valley Urban League. Inc. or Wes' am Pennsylvania. Inc. 601 Indiana Avenue 1st Federal Plaza. Suite 406 Farrell. PA 161121 North Mill Street (d12) 981-5310 New Castle. PA 16101 FM0C1S-C MUCFOREGOIUCS1. 0'r 13 LEBANON COUNTY Economic Opportunity Cabinet of Schuylkill County 118 Ncrweigian Street Pottsville, PA 17901 (717) 622-1995 FAX (717) 622-0429 Consumer Credit Caunseling Service of Lehigh Valley 3671 Crescent Court Esst Whitehall, PA 1805 (215) 821-4011 or (800) =0-2733 (717) and (814) ONLY FAX (215) 8217127 Commission on Eccncmics Oppcrtunity Of Luzeme County 211-7-1Z South Main sweet Wilkes-Earre. PA 18701 (717) 826-0510 or (800) 8227359 FAX (717) 829-1665 (call before faxing) (717) 455-4994 Hazeiton FAX (717)A-55-5631 (csii before haxinc) (717) 836-1090 Tunkhannack Tabor Community Services, Inc. 439 E. King Street LanGSter, PA 17602 (71-1) 1-97-5182 or (800) 788-5062 (Homeowners only) FAX (717) 399-4127 LEHIGH COUNTY Economic Cocartunity Cabinet of Schuylkiil County 118 Norweigian Street Pattsviiie. P.4 17901 (717) 622-1995 FAX (717) 6222 7429 LUZERNE COUNTY Consumer Credit Ccunseiinc Service of northeastern Pennsylvania Human Rescuress Eulding 541 Wyominc Avenue Eox 168 Scranton. PA 18501 Scranton, FA 18501 (717) 342-1072 or (800) 922 =537 FAX (i 17) 342-8040 11 IN. Mai ker, Street Wilke-Barre. PA. 18702 (717) 821-0837 or (800) 9_ 5537 FAX (717) 821-1785 Economic Opportunity Cabinet of Schuvikiil County 118 Norweician Street Pattsviile. PA 17901 (717) 6=,-1945 FAX 9717) 622-0429 F"D0C3Wr{ME1 [CJr0MMQSAC 1NOT 14 LYCOMING COUNTY Consumer Credit Counseling Service of Northeastern Pennsylvania Human Services Building 541 Wyoming Avenue Box 168 Sc.anton, PA 18501 (717) 342-1072 or (800) 922-9537 FAX (717) 342-8040 31 W. Market Street Vlfilkes-Barre, PA 18702 (717) 8214837 or (800) 922-9537 FAX (7177) 821-1785 Jahn F. Kennedy Center, 2021 East 20th Street Erie, PA 16510 (81a) 898-0400 FAX (814) 898-1243 Lycoming-0lintan Counties Commission for Community Action (STEER) 2138 Lincoln Street P.O. Box 1328 Williamsport, PA 1777703 (717) 326-0587 FAX (717) 322-2197 MCKEAN COUNTY Inc. Norther Tier Community Arlon Corp. 135 W. Fourth Street Emporium, PA 15834 (814) 486-1161 FAX (814) 486-3370 Acom Housing Corporation 646 North Broad Street Philadelphia, PA 19130 (215) 765-1221 FAX (215) 766-1427 AM Credit Ccunse!inc Institute 144 Esst Dekalb Pike, Suite 100 King of Prussia, PA 19406 (6 770) 354-9922 Consumer Credit Ccunse!ino_ Service of Delaware County 1211 Chesnut Streer, Suite 400 Philadelphia. PA 19107 (215) Sa3--Sa6S Fax (215) 854-2666 La Casa Del Pueblo 815 W. Baltimore Pike Kennett Square, PA 19348 (216) 444-3731 FAX (215) 444-3178 MONTGOMERY COUNTY Eudcet Counseiina Center 247 North Fifth Street Re=ding, PA 19601 (215)376.7866 FAX (215) 376-6575 Community Action Development Commission 113 E_=st Main Street Norristown, PA 19401 (216) 2777-6363 FAX (215) 277 2123 Media Fellowship House 302 S. Jackson Street Media. PA 19063 (215) a5-0846 Philadelphia Counsel for Community Advancement 100 North 17th Street, Suite 600 Phiiade!ohia, PA 19103 (215) 561-i803 FAX (215) 963-9941 r:`na?rucavelSCFgAEQO1UCT1 Nar 15 MONTOUR COUNTY Consumer Credit Counseling Service of Northeastern Pennsylvania Human Services Buiidina_ 541 Wyoming Avenue Box 168 Scranton, PA 18501 (7177) 342-1072 or (800) 922-9537 FAX (717) 342-8040 Consumer Credit Counseling Service of Northeast em Pennsylvania Human Services Building_ 31 W. Market Street Wilkes-Sarre, PA 18702 (717) 821-0837 or (800) 922-?537 FAX (717) 821-1785 NORTHAMPTON COUNTY Consumer Credit Caunse!ina_ Service of Lehigh Valley 3671 Crescent Court =st Whitehall. PA 18052 (215) 8211011 or (800) 2:0-27-- (77 17) and (814) ONLY FAX (215) 821-0137 Consumer Credit Caunsziina Service of Nonheestern Fennsvivania Human Service Buiidina 541 Wvomina Avenue Eox 166 Scantan, PA 18501 (717) 342-1082 or (8001 922-g537 FAX (717) 342-3040 NORTHUMEE.4LAND COUNTY Consumer Credit Counsaiina Service of Ngnheesern Fennsvivania Human Service Euiidino 31 IN. Market Street Wilkes-Sarre. FA 18702 (717) 821-0837 or (8001 922-5537 FAX (717) 821-1785 Economic Oooonunity Cabinet of Schuvikiii Counrv 118 Norwegian s;;eet Patt_viile. PA 17901 (717) 6222-1995 FAX (717) 67.2-0429 F:'D9ClTiL'FV01]CFORECL9SACT1N9i 16 ir;ERFY "UN7f Consumer Credit Counseling Service Weatherizatlon OQice of Western Pennsylvania, Inc. 917 MIMIn Street 2000 Unglesfown Road Huntingdon, PA 16662 Harrisburg, PA 17102 (814) 643-2343 (717) 541-1757 YMCA of Carlisle Fnaneiai Services Unlimited 301 G. Street 117 West 3rd Street Carisle, PA 17013 Waynesboro, PA 17268 (717) 243-3818 (7.17) 762-3285 FAX (717) 243-3948 Urban League of Metropolitan Harrisburg 2E n. Front Street Harrisburg, PA 17101 (717) 234-5926 FAX (717) 232-'985 PHILADELPHIA COUNTY Acorn Housing Corporation Housing Association of Delaware Valley 846 north Broad Street 1314 Chestnut Street, Recm 900 Philadelphia. PA 19130 Philadelphla, PA 19107 (215) 765-1221 (215) 545-0010 FAX (215) 765-1427 FAX (215) 790-9132 AM Credit Counseling Institute 658 North Watts Street 144 Esst Oekaib Pike. Suite 100 Philadelonia. PA 19123 King of Prussia, PA 19406 (215) 978-0224 (610) 354-9922 FAX (215) 765-7614 Centro Pedro Clover Meala Fellowship House 3ESE North 7th Street 302 S. Jackson Street Philadelphia. PA 19140 Media, PA 19063 (215) 227-7111 (610) 565-0846 FAX (215) 227-7117 Philadelphia Council for Consumer Credit Counseling Service Community Advancement of Delaware Valley 100 North 17th Street. Suite 600 1211 Chesulut Street. Suite 400 Philadelonia. PA 19103 Philadelphia. PA 19107 (215) 507-7803 (215) 563-5665 FAX (215) 963-9941 FAX (Z1E) 864-ZE66 Urban Lescue of Philadeionia Hispanic Association of Contractors 251-3 South 24th Street & Enterprises Philadelphia. PA 19103-5529 2921-27 North 5th Street (215) 731-4100 Philadelphia. PA 19133 FAX (215) 731-x112 (215) 426-8025 FAX (215) 426-8027 I!DOr3[STL\R7elJN011EQ.OMC91 NUT 17 PIKE COUNTY Consumer Credit Counseling Service Consumer Credit Counseling Service of Northeastem Pennsyivania of Northeastern Pennsylvania Human Services Building 31 W. Market Street 541 Wyoming Avenue g Wilkes-Sarre, PA 18702 (717) 821-0837 or (800) 922-0537 Box 168 Scranton, PA 18501 FAX (717) 821-1785 (717) 342-1072 or (800) 922-9537 FAX (717) 342-8040 POT-,ER COUNTY Narthem Tier Community Acton Ccrp. 135 W. Fourth Street Emoorium, PA 15834 (814) 486-1151 FAX (814) 486-3370 SCHUYLKILL COUNTY Eudaet Counseling Canter Eccnomic Opportunity Cabinet 247 North Firth Street of Echuyikiil County P,eedina P,4 19501 118 Norwegian Street (215) 375-78EE Pattsviile. P.4 17901 1 F.-JC (215) 376-6575 ,995 (717) 6'?- FAX 91,17) 622-0429 Ccmmissian on Economic Opportunity of Luzerne County 211 -13 South Main Street 'Mikes-Sarre, PA 18701 (717) 826-0510 or (800) 822-0359 FAX (717) 829-1865 call before faxing (717) 455-1994 Hazelton FAX (717) 455•:631 call before faxing (71,7) 835-i090 Tunkhannack SNYDER COUNTY Consumer Credit Counseling Service of western Pennsylvania. Inc. 2000 L'naie_town Road Harrisburg, PA 17102 (717) 541-1757 13 r!LOCS?T.CNO[SCFQREa.65Ng:9rNQT SOMERSET COUNTY Bedfard-Fulton Housing Services Keystone Economic Development Corp. R.D. 1, Box 384 1954 Mary Grace Lane Ereret3, PA 15537 Johnstown, PA 15901 (814) 623-9129 (814)535.6556" FAX (814) 623-7187 FAX (814) 539-1688 Consumer Credit Counseling Service Tableland Services. Inc. of Westem Pennsylvania. Inc. 131 North Center Avenue 1 North Cate Square Somerset, PA 15501 2 Carden Center Drive (814) 445-9628 Greensburg, PA 15601 FAX (814) 443-3690 SULLIVAN COUNTY Consumer Credit Counseling Service German Street of Northeastern Pennsylvania P.O. Box 389 Human Services Building Oushore, PA 18614 541 Wyoming Avenue (717) 928-9668 Box 168 Scanton, PA 18501 (717) 342.1072 or (800) 92_-9537 His Malesry Fellowship Churc^ FAX (717)'42 3040 207 Penn Ave.. P.O. Box 104 Athens. PA 18810 (Wed.-Fri.) (717) 888-6024 31 W. Market Street Wilkes-Barre. PA 18702 (717) 821-0837 or (800) 922.9537 17 Cafton Street FAX (717) 821-1785 Welisbaro, PA 16901 (717) 724-5252 The Trehab Center of Northeastern Pennsylvania 602'/=Church Street 7 Lake Avenue P.O. Box 97 Eox 339 Homesdale. PA 184C1 Montrose. PA 18801 (717) 258-4987 (717) 278.3338 or (800) 982-x045 FAX (717) 278-1889 103 Warren Street P.O. Box 709 185 Emira Street Tunkhannock. PA 18657 P.O. Box 218 (717) 836-6840 Troy, PA 16947 (717) 297-2101 19 n=W.C.Muclo"CLOSwMI nnr r: SUSGUE.?IANNA COUNTY Consumer Credit Counseling Service of Northeastem Pennsylvania Human Services Building 541 Wyoming Avenue Box 168 Scranton, PA 18501 (717)342-1072 or(800)922-°537 FAX (717) 342-8040 165 Emira Street P.O.box 218 Troy, PA 16947 German Street P.O. Box 384 Oushcre, PA 18614 (717) 428-9668 31 W. Market Street Wilkes-Barre, PA 18702 (717) 821-0837 or (800) 422-4537 FAX (717) 821-1785 The Trenab Center of Northeastern Pennsylvania 7 L.-ke Avenue Box 334 Mon=se. F.4 1880 i (717) 278-3338 or (800) 902=045 FAX (717) 278-1889 His Majesty Feilcwshio Church 207 Penn Ave. P.O. Box 104 Athens, PA 18810 (Wed.-Fri.) (717) 888-6024 17 C,afton Street Wellsbara. PA 16401 (717) 124-5252 602 % Church Stree! F.O. Box 97 Homesdale, PA. 16431 (717) 836-6"840 103 Warren Street P.O. Box 709 TunkhannccR. PA 18657 F:`DOC1STr.PU0I3CFOPEC:6SAC91N6T 20 TIOGA COUNTY Consumer Credit Counseling Service 185 Emira Street of Northeastern Pennsylvania P.O. box 218 Human Services Building Troy, PA 16947 541 Wyoming Avenue Box 168 Scranton, PA 18501 German Street (717) 342-1072 or(800)922-9537 P.O. Box 389 FAX (717) 342-8040 Dushore, PA 18614 (717) 928-9668 31 W. Market Street Wilkes-Barre, PA 18702 His Majesty Fellowship Church (717) 821-0837 or (800) 922-9537 207 Penn Ave. FAX (717) 821-1785 P.O. Box 104 Athens. PA 18810 (Wed: Fri.) (717) 888-6024 7 he Trehab Center of Norihe=_stem Pennsylvania 7 Lake Avenue 17 CrtZon Street Box 339 Wellsbara, PA 16901 Montrose. PA 18801 (717) 724-52:2 (717) 272-3338 or (800) 962-4045 FAX (717) 278-1889 602 '/s Church Street P.O. Box 97 Homesdale, PA 18431 (717) 836-6840 103 Warren Street P.O. Box 709 Tunkhannock. PA 18667 UNION COUNTY Lycomine-Clinton Counties Consumer Credit Counseling Service Commission for Community Action of Western Pennsylvania. Inc. (STE?) 500-02 3rd Avenue 2138 Lincoln Street Past Office box 278 P.O. Box 1328 Duncansviile, PA WlliamscorL PA 17-703 (814) fi96-3546 (717) 32_-2197 VENANGO COUNTY Greater Erie Community Warren-Forrest C4undes Economic Acton Committee Opportunity Council 18 West 9th Street 1209 Pennsylvania Avenue, West P.O. Box 547 Ede, PA 16501 Warren, PA 1fi365 (814) 459-4581 (814) 726-2400 FAX (814) 456-0161 FAX (814) 723-0510 Greater Ede Community Action Committee 18 Wes 9th Street Ere, PA 16501 (814) 4S9-4581 FAX 9814) 450-0161 WASHINGTON COUNTY Action Housing, Inc. Housing Opporrunides. Inc. Number Two Gateway Canter 132 Seventh Street 9th Fiagr Mc: eesporr. PA 15132 Pittsburgh, PA 15772 (412) 664-1550 (412) 291-1955 FAX (412) 664--0872 Ccmmuniiv Acton Southwest Man-Valley Unemployed Committee 22 West High street 120 9th Avenue Waynesburg, PA 15370 Homestead. PA 15120 (412) 852-28a3 (412)462-9962 Consumer Cradit Counseling Service ai Western Pennsylvania, Inc. 1 North Cate Square 2 Garden Center Drive Greensburg, PA 15601 rrnac?srrrtmucsaneaasue?tror -- WAYNE COUNTY Consumer Credit Counseling Service of Northeastem Pennsylvania Human Services Building 541 Wyoming Avenue Box 168 Scranton, PA 18501 (717) 342-1072 or(800)922-9537 FAX (717) 342-8040 31 W. Market Street Wilkes-Barre. PA 18702 (717) 821-0837 or (800) 922-9537 FAX (717) 821-1785 The Trehab Center of Northeastern Pennsylvania 7 Lake Avenue Box 339 Montrose. PA 18801 (717) 278-3338 or (800) 982-4045 FAX (717) 278-1.889 185 Emira Street P.O. box 218 Troy, PA 16947 (717) 297-2101 German Street P.O. Box 389 Dushore, PA 18614 (717) 928-9668 His Majesty Fellowship Church 207 Penn Ave. P.O. Box 104 Athens, PA 18810 (Wed.-Fri.) (717) 888-6024 '17 C.-afton Street Wellsbora, PA 16901 (717) 724-5252 602 Y- Church Street P.O. Sax 97 Hcmesdale. PA 18431 (717) 836-6840 103 Warren Street P.O. Box 709 Tunkhannock, PA 18657 (717) 83643840 7^ F^D0==- IMLtCTGRM IV,C9I l1Qr WESTMORELAND COUNTY Action Housing, Inc. Number Two Gateway Center 9th Fpar Pittsburgh, PA 15222 (412) 391-1850 Indiana County Community Action Program 827 Water Street, Sax 187 Indiana, PA 15701 (412) 466-2657, FAX (412) 465-5118 Community Action Southwest 22 West High Street Waynesburg, PA 15370 (412) 852-2893 Consumer Credit Caunseiinc Service of Western Pennsylvania, Inc. 1 North Gate Square 2 Garden Center Drive Greensburg, PA 15601 Housing Opportunities, Inc. 1:,3 Seventv Street MCKeesporL PA 15132 (412)664-i5$0 FAX (412) 664-0873 r^naa?rrrueucseaea.osues i rm Keystone Economic Development Carp. 1954 Mary Grace Lane Johnstown, PA 15901 (814) 535.6556 FAX (814) 539-1688 Man-Valley Unemployed Committee 120 E. 9th Avenue Homestead, P.4 15120 (412)462-90_62 Tableland Services. Inc. 131 North Center Avenue Somerset. PA 15501 (814)45 _628 FAX (814) d4 3- 0:0 24 n WYOMING COUNTY Consumer Credit Counseling Service of Northeastern Pennsylvania Human Services Building 541 Wyoming Avenue Box 168 Scranton, PA 18501 (717) 342-1072 or (800)922-9537 FAX (717) 342-8040 31 W. Market Street Wilkes-Barre, PA 18702 (717) 821-0837 or (800) 922-9537 FAX (717) 821-1785 The Trehab Center of Northeastern Pennsylvania 7 Lake Avenue Box 339 Montrose. PA 18801 (717) 278-3338 or (800) 982-4045 FAX (717) 278-1889 185 Elmira Street P.O. box 218 Troy, PA 16947 (717)821-1785 German Street P.O. Box 389 Oushore, PA 18614 (717) 9284668 His Majesty Fellowship Church 207 Penn Ave. P.O. Sox 104 Athens, PA 18810 (Wed.-Fri.) (717) 888-0024 17 Caftan Street Wellsboro, PA 16901 (717) 724-5252 Commission an Economics Opportunity of Luzeme Caumv 211-213 South Main Street Wilkes-Barre, PA 18701 (717) 826-0510 or (800) 822-0359 FAX (717) 829-1665 rail before fnxina (717) 455-4994 Hazeiton FAX (717) 455-5-631 ' =11 before fxina (717 836-4090 Tunkhannock 602 Y: Church Street P.O. Box 97 Homesdaie, PA 18431 (717) 836-6840 103 Warren Street P.O. Sox 709 Tunkhannock, PA 18657 (717) 836-0840 hvxx IlT-NU8LLIPamE -SAcnjyc r 25 American Red Cross - Hanover Chapter 529 Carble Street Hanover, PA 17331 (717) 637-3768 FAX (717) $37-3294 Consumer Credit Counseling (service of Westam ?ennsyhrania. !no. 2000 Unalestown Road Harrisburg, ?A 17102 (7M 541-1757 YORK COUNTY Housing Council of York 116 North George Street York, PA 17401 (717) 554-1541 FAX (717) 845-7934 26 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE THE COMMONWEALTH OF PENNSYLVANIA'S HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM MAY BE ABLE TO HELP YOU. READ THE FOLLOWING NOTICE TO FIND OUT HOW THE PROGRAM WORKS. If you need more information call the Pennsylvania Housing Finance Agency at 1 (800) 342-2397 LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PLIES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. F?M:MIA 3,151 ROE' PLEAGINO'W71*91 OW ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS Date: 11fty 6, 1999 RE: Account No.: 72807530 TO: Dark E. Roberts 13 West Pine Street Mount Holly Springs, Pennsylvania 17065 PROPERTY: 13 West Pine Street Mount Holly Springs, Cumberland County, Pennsylvania 17065 FROM: Axel A. Shield, II, Esquire Attorney for The Bank of New York as Trustee under the Pooling and Servicing Agreement dated as of February 29, 1996, Series 1994-A You may be eligible for financial assistance that will prevent foreclosure on your mortgage if you comply with the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Act"). You may be eligible for emergency temporary assistance if your default has been caused by circumstances beyond your control, you have a reasonable prospect of resuming your mortgage payments, and if you meet other eligibility 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 entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with a representative of this lender, or with a designated consumer credit counseling agency. The purpose of this meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency. This meeting must occur in the next (30) days. If you attend a face-to-face meeting with this lender, or with a consumer credit counseling agency identified in this notice, no further proceeding in mortgage foreclosure may take place for thirty (30) days after the date of this meeting. The name, address and telephone number of our representative is The Money Store Kelly Deal 4111 South Darlington, Suite 800 Tulsa, Oklahoma 74135 Telephone (888) 791-2070 or (918) 280-2700 ext. 2887 Fax(918)280-2719 The names and addresses of designated consumer credit counseling agencies are shown on the attached sheet. It is only necessary to schedule one face-to-face meeting. You should advise this lender immediately of your intentions. Your mortgage is in default because you have failed to pay promptly installments of principal and interest, as required, for a period of at least sixty (60) days. The total amount of the delinquency is $4,475.77. That sum includes the following: 7 payments of principal and interest @595.45 ........................ $4,168.15 6 late charges @ 29.77 ............................................ 178.62 Corporate Advance Fee ............................................100.00 Accrued Returned Check Charges .....................................15.00 Recordation of Release ......................................... 14.00 TOTAL ...................................................... $4,475.77 If you have tried and are unable to resolve this problem at or after your face-to- face meeting, you have the right to apply for financial assistance from the Homeowners' Emergency Mortgage Assistance Fund. In order to do this, you must fill out, sign and file a completed Homeowners' Emergency Assistance Application with one of the designated consumer credit counseling agencies listed on the attachment. As application for assistance may only be obtained from a consumer credit counseling agency. The consumer credit counseling agency will assist you in filling out your application and will submit your completed application to the Pennsylvania Housing Finance Agency. Your application must be filed or postmarked, within thirty (30) days of your face-to-face meeting. 3 It is extremely important that you file your application promptly. If you do not do so, or if you do not follow the other time periods set forth in this letter, foreclosure may proceed against your home immediately. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. It is extremely important that your application is accurate and complete in every respect. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that additional time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by that Agency of its decision on your application. The Pennsylvania Housing Finance Agency is located at 2101 North Front Street, Post Office Box 8029, Harrisburg, Pennsylvania 17105. Telephone No. (717) 780-3800 or 1-800-342-2397 (toll free number). Persons with impaired hearing can call (717) 780-1869. In addition you may receive another notice from this lender under Act 6 of 1974. That notice is called a "Notice of Intention to Foreclose". You must read both notices, since they both explain rights that you now have under Pennsylvania law. However, if you choose to exercise your rights described in this notice, you cannot be foreclosed upon while you are receiving that assistance. Very truly yours, CAP N & LUBER, h P By: J? Axel A.` Shield, ll, Esquire UNLESS YOU NOTIFY US IN WRITING WITHIN THIRTY (30) DAYS AFTER RECEIPT OF THIS LETTER THAT THE DEBT, OR ANY PART OF IT, IS DISPUTED, WE WILL ASSUME THAT THE DEBT IS VALID. IF YOU DO NOTIFY US OF A DISPUTE, WE WILL OBTAIN VERIFICATION OF THE DEBT AND MAIL IT TO YOU. ALSO UPON YOUR WRITTEN REQUEST WITHIN THIRTY (30) DAYS, WE WILL PROVIDE YOU WITH THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR IF DIFFERENT FROM THE CURRENT CREDITOR. THIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Consumer Credit Counseling Agency Notification To: Date: Name of Mortgagee Address In accordance with the Pennsylvania Homeowners' Emergency Mortgage Assistance Program (Act 91 of 1983), we have been approached for mortgage counseling assistance by: Name of Applicant Address Telephone Number Mortgage Loan Number Address of property on which mortgage is in default, if different from above. 5 The counseling agency met with the above named applicant on Date who have indicated that they are more than sixty days delinquent on their mortgage payments and have received notification of intention to foreclose from Name and Address of Mortgagee In accordance with the Homeowners' Emergency Mortgage Assistance Program, this is to inform you that : 1. If the delinquency cannot be resolved within the 30 day forbearance period as provided by law, the applicant listed above may apply to the Pennsylvania Housing Finance Agency for Mortgage Payment Assistance. 2. By a copy of this Notice, we are notifying all other mortgagees, if any, which the applicant has indicated as also having a mortgage on the property identified above. 3. It is our understanding that the 30 day forbearance period in which we are now in ends on 4. No legal action to enforce the mortgage may occur during this forbearance period, unless procedural time limits were not met by the homeowner. Name of Counseling Agency: Signer and Title_ Telephone Number Address_ PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES American Red Crass-Hanover Chaoter 529 Carlisle Street Hanover, PA 17331 (71 7) 637-3768 FAX (717) 637-3294 Blair County Eccnamic Opportunity Council 5433 Industrial Avenue Altoona. PA 16601 (814) 946-3651 FAX r (814) 946-5451 Ac-cn Housing, Inc. Number Two Gateway Canter 9th F1ccr Pittsburch, PA. 15222 (412) 291-1958 Community Action Southwest 22 West Hiah Street Waynesburg, PA 15370 (412) 852-2893 Consumer Credit Counse!ina Service of Western Pennsvlvania. Inc. 309 Smithfield Street Pittsburgh, PA 152?2 (412) 471-7584 Consumer Credit Counse!ina Service of Western Pennsylvania. Inc. 500-02 3rd Avenue Past Office Sox 278 Ounc2nsviile. PA (814) 696-3546 ADAMS COUNTY Consumer Credit Counse!ina Service of Western Pennsylvania, Inc_ 2000 Unglestown Road Harrisburg, PA 17102 (717)541-1757 Financial Services Unlimited 117 West 3rd Street Waynesboro, P.4 177EE (717) 762-3285 ALLEGHENY COUNTY Housing Opportunities. Inc. 133 Seventh Street McKeesocrt. PA 15132 (412) 664-1,590 FAX m (412) 664-0872 Man-Valley Unempiayed Committee 120 E. 99th Avenue Homestead. PA 15120 (412) 462-9962 Urban League of Pittsbumh. Inc. buiidina Far Equal Ccportunity One Smithfield Street Pittsburgh, PA 15222-= (412) 261-1 130 FAX m (412) 261-6707 ARMSTRONG COUNTY Indiana County Community Acton Prcarrm 827 Water Street. Box 187 Indiana, PA 15701 (41Z) 465-26X7 FAX T (412) 465-5 t 18 Pnoatsrrweucsarseaoa INa BEAVER COUNTY Arlon Housing, Inc. Number Two Gateway Center 9th Foar Pittsburgh, PA 15222 (412) 391-1966 Housing Opportunities of Eeaver County, Inc. 334 Insurance Street Beaver, PA 15009 (412) 728-7511 Consumer Credit Counseling Service of Wester Pennsylvania, Inc. 524 Franklin Avenue Franklin Center Aliquippa. PA 15001 Eedford-Fuiton Housing Services F.D. 1, Ecx 384 E-rererL PA 15537 (814) 623-?129 Consumer Credit Ccunseling Servica of Western Pennsylvania. Inc. 500-02 3rd Avenue Pest Office Sox 278 Ouncansviile. PA (614) 696-3546 Keystone Economic Development Corporation 1954 Mary Grace Lane .:ohnstown. PA 15901 (814)53-9 -6556 FAX (814)539-i6-c8 Eudoet Caunseiino Center 247 Narth Fifth Street F.ea:dina, PA 19501 (215) 375-7866 FAX # (216) 376-6575 Mon-Vailey Unemoicyed committee 120 E. 9th Avenue Homestead, PA 15120 (412) 762-9962 BEDFORD COUNTY Tableland Services, Inc. 131 North Center Avenue Somerset, PA 15501 (814) 4A5-S628 FAY m (814) 443-3697 'Neathedzation Cf'c_ 917 Mifflin Street Huntingdon, PA 1 E652 BERKS COUNTY Economic Cpporunity Cabinet of Sciuylkiil County 118 Norweigian Street Pottsville, FA 1790, (717) 622-,995 FAX # (717) 622-0d29 Consumer Credit Counseling Service of Lehigh Valley 36'71 Crescent Court Esst Whitehall, PA 18052 (610) 821-4011 or 1 (800) 220-2733 (717) and (814) ONLY fax T (215) 821-0137 Bedford-Fulton Housing Services R.D. 1, Box 384 Everett PA 15537 (814) 623-9129 FAX R (814) 623-7187 Blair County Economic Opportunity Council 5433 Industrial Avenue Altoona. PA 16601 (814) 946-3651 FAX :(814) 946-5451 Consumer Credit Counseling Service of Westem Pennsvivania. Inc. 500-02 3rd Avenue Pcst Office box 278 Ouncansviiie, PA (814) 686-3546 Consumer Credit Counse!ino Service of Northeastern Pennsyivania Human Services Euiidina ! 41 Wyoming Avenue Box 168 Sc anton, PA 18501 (717) 342-1072 or 1 (800) 922-9537 FAX # (717) 342-3040 31 W. Market Street Wilkes-Barre, PA 18702 (717) 821-0837 or 1 (800) 922-9537 FAX m (717) 821-1785 La Case Del Pueblo 815 W. Baltimore Pike Kennett Square, PA 19348 (215) 444-3731 FAX R (215) 444-3! 78 BLAIR COUNTY Keystone Economic Deve!opment Corporation 1954 Mary Grace Lane Johnstown, PA 15501 (814) 535-6556 FAX m (814) 539-1688 Westhenzation Office 917 Mifflin Street Huntingdon, PA 16652 BRADFORD COUNTY His Maiesrv Fellows io Church 207 Penn Ave. P.O. Box 104 Athens. PA 18810 (Wed.-Fri.) (717) 888-0024 17 C,afton Street We!Isboro, P.4 16901 (717) 724-5252 FMOCSIST U8L=XORFa011A=NOT The Trehab Center of Northeastern Pennsylvania 7 Lake Avenue Sox 339 Mantrase, PA 18801 (717) 278-3338 or 1 (800) 982-4045 FAX # -717) 278-1889 185 EEmim Street P.O. Eox 218 Troy, PA 16947 (717) 297-2101 German Street P.O. Sox 389 Dushore, PA 18614 (717)928-960'8 Accm Haus!na Corpordcn 846 North Eroad Street Fhiiede!chia. PA 19130 (215.1 65-,221 FAX (215) 765-1427 AM Credit Counse!ina Insdtute 144 E_st Dekalb Pike. Suite 100 Kino or Prussia, PA 19406 (610)364-992? Sucks County Housing Group, Inc. 140 East Riciardson Avenue Lanahome, PA 19047 (215) 750=310 FAX # (215) 750-d318 Hispanic AssocEadcn of Ccntrac-.ors & Enterprises 29-21-27 North Eth Street Philadelphia. Pa 19133 (215) 426-8025 FAX # (215) A26-3027 602% Chruch Street P.O. Sax 97 Homesdale, PA 18431 (717) 2E8-4987 103 Warren Street P.O. Sox 709 Tunkhannock, PA 18667 (717) 836.6840 SUCKS COUNTY Consumer Credit Counse!ina_ Service of Delaware Valley 1211 Chestnut Street. Suite 400 Phiiade!ohia. PA 19107 (215) E63 caE R. X # (215) 864-2665 Consumer Credit Caunse!ina_ Service of Lehigh Valley 2671 Crescent Court E=st Whitehall. PA 18052 (610) 821-011 or 1 (800) 220-2733 (717) and (814) ONLY FAX # (215) 821-0137 PDOM'Xrr mucraltEmcS c;vtvar CARBON COUNTY Economic Opportunity Cabinet Consumer Credit Counseling Service of Schuylkill County of Lehigh Valley 118 Norweician Street 3671 Crescent Court Pottsville, PA 17901 East Whitehall, PA 18052 (117) 622-199s (610) 821-1011 or 1 (800) 220-2733 FAX R (717) 622-0429 (717) and (814) ONLY FAX T (215) 821-0137 Consumer Credit Counseling Service Commission an Economics Opportunity of Northeastern Pennsylvania of Luzeme County Human Services building 211-213 South Main Street E41 Wyoming Avenue Wilkes-Barre, AP 18701 Eox 168 (717) 826-0510 or 1 (800) 822-0398 Scanton, PA 18501 FAX R (717) 824-16665 (717) 342-1072 or 1 (800) 92-4637 Call before faxing FAX : (717) 342 3040 (717) 83E-1090 Tunkhannock 31 W. Market Street Wilkes-aarre, PA 18702 (717) 821-0837 or 1 (800) 92-4537 FAX m (717) 821-1785 CENTRE COUNTY Consumer Credit Counselina Se vice Lwarnina-ClInton Counties of Western Pennsylvania, Inc. Commission For Community 500-02 3ra Avenue Action (S i cP) Post Office Eox 278 2138 Lincoln Street Ouncansviile, PA. P.O. Box 1328 (614) 695-3-546 Williamscon. PA, i 03 (717) 3226-0587 FAX m (717) 322-2197 CHESTER COUNTY Acom Housing Corporation La Cas Del Pueblo 846 North Eroad Street 815 W. Ealtimore Pike Philadelphia, PA 19130 Kennett Square, PA 19348 (21E) 765-1221 (610) 444 3731 FAX ° (215) 765-1427 FAX'' (6 10) 444-3178 AM Credit Counselina Insaiute Media Fellowshio house 144 East Dekalb Pike. Suite 100 302 S. Jackson street Kino of Prussia. PA 19406 Media. PA 1906- (618) 394 ?922 (610) 568-0846 F:`DOGl1T{'T UCXOMCLO3 C)INOT BUTLER COUNTY Acton Housing Inc. Housing Opportunities, Inc. Number Two Gateway Center 133 Seventh Street 9th Floor McKeesport, PA 16132 Pittsburgh, PA 15222 (412) 664-1590 (412) 391-1956 FAX m (412) 6664-0873 Consumer Credit Counseling Service Mon-Valley Unemployed Committee of Western Pennsylvania, Inc. 120 E. 9th Avenue YMCA Building Homestead. PA 15120 339 North Washincton Street (412) 462-=962 Butler, PA 16001 CAMBRIA COUNTY Bedfard-Fuitan Housina Services Keystone Economic Oeveleoment R.D. 1, Box 384 Corporation Everett. PA 15537 1954 Mary Grace Lane (814) 623-9129 Johnstown, PA 15901 FAX (614) 623-7187 (814) 535-6556 FAX ;. (814) 539-1688 Consumer Credit Counseline Service Tableland Services Inc. of Westem Pennsvlvania. Inc. 131 North Cancer Avenue 500-02 3rd Avenue Somerset. PA 15501 Past Office Box 278 (81A) 445 =628 Duncansviile, PA FAX;: (81e) A42-:590 (814) 696-3546 Indiana County Community Acton Proaram 827 Water Street. Sax 187 Indiana. PA 15701 (A12) AGE-2657 FAX ;- (412) 465-5118 CAMERON COUNTY Northern Tier Community Acton Consumer Credit CounseRno Service Corp. of Western Pennsylvania. Inc. 125 W. Fourth Street 500-02 3rd Avenue Emporium. P.4 15834 Past Office Box 278 (814) A86-1161 Duncansviile. PA FAX T (814) 686-3270 (814) 696-3546 Budget Counseling Center 247 North Fifth Street Reading, PA 19601 (610) 3754866 FAX: (610) 37641575 Consumer Credit Counseling Service of Delaware Valley 1211 Chestnut street, Suite 400 Philadelphia, PA 19107 (215) 563-50-65 FAX m (215) 864-2666 Hisaanic Association of Contractors & Enterprises 2921-27 North 5th Street Philadelphia, PA 19133 (215) 426-8025 FAX m (215) 4266-2027 Consumer Credit Ccunseflno Service of Westem Pennsylvania. Inc. YMCA Buildinc 339 North Washinatcn Street Euder, PA 16001 (412) 282-7812 Keystone Eccnemic Development Corporation 1954 Mary Grace Lane Johnstown, PA 15201 (819) 5--5-65E6 FAX # (814) 539-16338 Indiana County Community Action Prcoram 827 Water Street. Box 187 Indiana. PA 15701 (412)465-2557 FAX T (412) 465-5118 Philadelphia Council for Community Advancement 1o0 North 17th Street Suite 600 Philadelphia, PA 19103 (215) 567-7803 FAX* (215) 963-9241 Tabor Community Service, Inc 439 E. Kina Street Lancaster, PA 17602 (717) 397-5182 or 1 (800) 788-8062 (Homeowners only) FAX T (717) 399-1127 CLARION COUNTY CLEE•aRFiELD COUNTY Consumer Credit Counselino Service of Western Pennsylvania. Inc. 500-02 3rd Avenue Post Office Box 278 Ouncansviile. PA (814)696-;546 F^IDOC tT.CMMUCFOPE=AM I3 7 CLINTON COUNTY Lycaming-Clinton Counties Commission For Community Action (STEP) 2138 Lincoln Street P.O. Box 1328 Williamsport, PA 17703 (717) 326-0E87 FAX -1 (7 17) 3227-21 g7 Consumer Credit Caunseiing Service or Noriheastem Pennsylvania Human Services Building 541 Wyoming Avenue Box 168 Sc.^artton, PA 18501 (717) 342-1072 or. (800) 922-9537 FAX R (717) 342x040 11 W. Market Street Wilkes-Barre, PA 18702 (717) 621-0837 or 1 (800) 92-14537 FAX m (717) 821-1785 Booker T. Washinaton Canter 1720 Holland Street Eae. PA 16E03 (814)45_---574d FAX T (814) 453-5 i d9 Greater E.de Community Action Committee 18 West Sth Street E'ie, PA 16501 (814) d5°-t581 FAX-, (814) 4ES-0161 COLUMBIA COUNTY Commission on Economics Opportunity of Luzeme County 211-213 South Main Street Wilkes-Fame, PA 16701 (717) 826-0510 or", (800) 822-0359 FAX # (717) 829-1665 Call before faxina (717) 4551994 Hazeitcn FAX m (717) d55-5531 Call before taxing (717) 8366-090 Tunkhanncck CRAWFORD COUNTY Jann F. Kennedy Canter, Inc. 2021 Es=_t 20th Street Er e, PA 16510 (816) 898-0400 FAX-, (816) 898-1243 Shenanao Vailey Urban Le=cue. Inc. 601 Indiana Avenue Farrell, PA 16121 (412) 981-5310 F."D0C1Tr-CM 1UCT0R-1.OMCr?I NOT CUMBERLAND COUNTY Consumer Credit Counseling Service of Western Pennsylvania, Inc 2000 Unglestown Road Harrisburg, PA 17102 (717) 541-1757 Urban League of Metropolitan Harrisburg 25 N. Front Street, Harrisburg, PA 17101 (717) 234-5925 FAX T (717) 232-4985 Financial Services Unlimited 117 West 3rd Street Waynesboro, PA 17268 (717) 762-3285 Consumer Credit Counselinc Service of Western Pennsylvania, Inc. 2000 Unciestown Road Harrisbuuo, PA 17102 (717) 541-1757 Accm Housing Corporation 846 North Eroad Street Philadelphia. PA 19130 (215) 765-1221 FAX # (215) 755-1427 AM Credit Counse!ino Institute 144 East Dekalb Pike. Suite 100 King of Prussia. PA 19406 (610) 354-5922 Consumer Credit Counseling Se vice of Delaware Vallev 1211 Chestnut street. Suite 400 Philadelphia. PA 19107 (215) 553-6665 FAX-, (215) 664-2656 YWCA of Carlisle 301 G Street Carlisle, PA 17013 (717) 243-3818 FAX T (717) 243-3948 DAUPHIN COUNTY Urban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, PA 17 101 (717) 2345925 FAX m (717) 232=985 DELSWARE COUNTY La Cas De! Pueblo 815 W. Ealtimore Pike Kennett Square. PA 19348 (610) 444-3731 FAX # (610) A U 3178 Media Fe!Igwshio house 302 S. Jackson street Media. PA 19063 (610) E55-0846 Philadelphia Coundi for Cammunity Advancement 100 North 17th Street Suite 600 Philade!ohia. PA 19103 (215)Et-i7-m7803 FAX,- (215) 963-9941 F.IDOG'tiSr{YMUCFORECiOS cm NOT Hispanic Association of Contractors & Enterprises 2921-27 North Sth Street Philadelphia, PA 19133 (215) 426-8025 FAX -1 (215) 426-8027 Northern Tier Community Action Corp. 135 W. Fourth Street Emporium, PA 15834 (814) 486-1161 FAX -1 (814) 486-3370 Booker T. Washington Canter 1720 Holland Street ^:l, PA 1653 (814) 898-0400 FAX -1 (814) 463-6749 Jahn F. Kennedv Canter, Inc. 2024, E=st 20th Street Erie. FA 16810 (814) 898-0400 FAX -1 (814) 8989-1,243 Acton Hcusina Inc. Number Two Gateway Canter 9th Faor Fittsburgh, PA 15222 (n12) 391-1956 Community Acton Southwest 22 West Hiah Street Waynesburg, PA -IS-170 (412) 852-289-. ELK COUNTY Jahn F. Kennedy Center, Inc. 2021 East20th Street Erie. PA 16510 (814) 898-0400 FAX -1 (814) 898-1243 ERIE COUNTY Greater Ede Community Ac ion 18 We=-t 9th Street Erie. PA 16601 (81a) X69=661 FAX -1 (81A) c564 161 FAYET E COUNTY Committee Fayette County Community Acton Aaency,Inc. 137 Nonh Eee_on Avenue Uniontown, PA 15401 (412) 437-5050 F--,t 28 or 1 (800) 227-;NFO FAX -1 (412) A37-?418 Tableland Service Inc. 131 North Canter Avenue Somerset. PA 15'01 (814)A-e5:628 FAX -1 (814) 443-3690 Consumer Credit Counseling Service Mon-Valley Unemployed Committee of Western Pennsylvania, Inc. 120 E. 9th Avenue 1 North Gate Square Homestead, PA 15120 2 Garden Center Drive (412) 462-9962 Greensburg, PA 16601 FOREST COUNTY Warren-Forrest Counties Economic Opportunity Council 204 Liberty Street Post Office Box 547 Warren, PA 16365 (814) 726-2400 FAX T (814) 723-0510 FRANKLIN COUNTY Financial Services Unlimited Consumer Credit Caunseiina Service 117 West 3rd Street of Western Pennsylvania. Inc. Waynesboro, PA 17268 912 South Gecrc e Street (717) 762-3285 _ York, PA 17403 YWCA of Carlisle American Red Crass - Hanover Chaoter 301 G Street 529 Carlisle Street Carlisle. AP 17013 Hanover, P.4 17331 (717) 243-3818 (717)637-37"6'8 FAX :-. (717) 243-3948 FAX ,'. (7117) 637-3294 FULTON COUNTY Bedford-Fuitan Housina Services Consumer Credit Caunselinc Service R.D. 1, Box 384 of Western Pennsvivania. Inc. Everett; PA 15537 912 South Gearae Streer (814) 623-0-129 York, PA 17,103 FAX m (814) 623-7187 Financial Services Unlimited 117 West 3rd Street Wavnesboro, PA 17268 (717) 762-3285 GREENE COUNTY A&= Housing, Inc. Community Ac.cn Southwestern Number Two Gateway Center 22 West Hiah Street 9th Ficor Waynesburg, PA 15370 Pittsburgh, PA 157')l (412) 852-2891- FAX #(412)627- -r 13 rdaacssrrreeunroru:aosnc?r.Nm l 1 Man-Valley Unemployed Committee. . . 120 E. 9th Avenue Homestead, PA 15120 (412) 462-9962 Consumer Credit Counseling Service Of Western Pennsylvania, Inc. 1 North Gate Square 2 Garden Center Drive Greensburg, PA 15601 HUNTINGDON COUNTY Bedford-Fultan Housing Services R.D. 1, Box 384 Everett, PA 15537 (814)623-9129 FAX : (814) 623-7187 Weatherizadon Office 917 Mifflin Street Huntingdon, PA 16652 (814) 643-2243 Consumer Credit Counseling Service of Westem Pennsylvania. Inc. 500-02 3rd Avenue Post Office Sox 278 Duncansviiie, PA (814) 696-3546 Consumer Credit Counse(ino Service of Wes' am Pennsylvania. Inc. 1 North Cate Square 2 Garden Center [)rive Greensbura, PA 15601 Indiana County Community Action Program 827 Water Street, Sax 187 Indiana, PA 15701 (412) 465.2657 FAX m (412).165-5118 Keystone Economic Development Corporation 1554 Mary G-ce Lane Johnstown, P,4 15501 (81a) 535-5556 FAX m (814) 539-16a'8 JEFFERSON COUNTY John F. Kennedy Canter, Inc. 2021 East 20th Street Erie. PA 16510 (814) 898-0400 FAX -1 (814) 898-,243 Indiana County Community Ac--an Froaram 827 Water Street. Sox 187 Indiana. P.4 15701 (412) 46F-2657 FAX * (A12),165-51 18 Consumer C. edit Counseiina Service of Western Pennsylvania. Inc. YMCA Building 339 North Washington Street Butler, PA 16001 (412)282-7812 F`Doc=-CFMUCTOMCLQ3 M NOT 12 JUANITA COUNTY Consumer Credit Counseling Service Weathermation Office of Western Pennsylvania, Inc. 817 Mifflin Street 500-02 3rd Avenue Huntingdon, PA 16662 Past Office Box 278 (814 643-2343 Duncansviile, PA (814) 686-3546 LACKAWANNA COUNTY Consumer Credit Counseling Service Consumer Credit Counseling Service of Northeastern Pennsylvania, Inc. of Northeastern Pennsylvania Inc Human Services Building , . 31 W. Market Street 541 Wyoming Avenue Wickes-Barre, PA 18702 Box 168 Scanton PA 18501 (717) 821-0837 or (800) 822-9E37 , FAX (717) 821-1785 (717) 342-1072 or (800) 822-9557 FAX (717) 342-3040 LANCASTER COUNTY La Casa De! Pueblo Consumer Credit Ccunse!ino Service 815 W. Baltimore Pike of Western P=nnsfivania. Inc. Kennett Scuare, PA 1811-48 912 South George Street (215) 444-3731 York, PA 17403 FAX (215) 4443178 Consumer Credit Counseling Service Tabor Cammunitv Services. Inc. of Lehigh Valley 439 E. Kino Street 3671 Crescent Court Lancaster, PA 17602 East Whitehall, PA 18052 (717) 397-5182 or (800) 788-5062 (Homeowners oniv) FAX (717) 399-4127 LAWRENCE COUNTY Consumer Credit Counseling Service Shenaco Valley Urban League. Inc. of Western Pennsylvania. Inc. 501 Indiana Avenue 1st Federal Plaza. Suite 406 Farrell, PA 161121 North Mill Street (412) 981-5310 New Castle, PA 16101 FM0C\S -C UCFOREQAIV,C9 r 13 LEBANON COUNTY Economic Opportunity Cabinet of Schuylkill County 118 Norweigian Street Pottsville, PA 17901 (717) 622-1995 FAX (717) 622-0429 Consumer Credit Counselino_ Se vice of Lehigh Valley 3671 Crescent Court East Whitehall, PA 1805 (215) 821-1011 or (800) 2-10-2733 (717) and (814) ONLY FAX (215) 821-0127 Commission on Economics Oppc=nity Of Luzeme County 211-213 South Main street Wilkes-Barre. PA ;8701 (717) 825-0510 or (800) 822-0259 FAX (71 r) 829-1665 (call before faxing) (717) 4S51964 Hazeiton FAX (717) 45E X631 (call before faxino) (717) 836-4090 Tunkhanncch Tabor Community Services, Inc. 439 E. King Street Lancaster, PA 17602 (717)'397-5182or (800) 788-:062 (Homeowners only) FAX (717) 399-1127 LEHIGH COUNTY Economic Opportunity Cabinet of Schuylkill Count./ 118 Norwe;cian Street Pottsville, PA 17901 (717) 622- ; e65 FAX (717) 62=-0429 LUZE:eNE COUNTY Consumer Cre_it Counseiine Se vice of ncaheastem Pennsylvania Human Resources euiidine 541 Wyoming Avenue Eox 168 Scantcn. PA 18E01 Scranton, FA 18501 (717) 242-1072 or (800) 922-?537 FAX (117) 342-8040 31 W. Marcel Street Wilkes-Earre. PA 18702 (717) 821-0827 cr (800) 922 9527 FAX (717) 821-1785 Economic Occarrunity Cabinet of Schuvikiil County 118 Ncnve[gian Street Fottsviile. PA 17901 (717)622-1995 FAX 971,7) 622-0429 FMOC=S XMUCSOMCLO5 C-71-4T 14 LYCOMING COUNTY Consumer Credit Counseling Service of Nartheastem Pennsylvania Human Services Building 541 Wyoming Avenue Box 168 Stanton, PA 18501 (717) 342-1072 or (800) 922-9537 FAX (717) 342-8040 31 W. Market Street Wilkes-Barre, PA 18702 (717) 821-0837 or (800) 922-9537 FAX (717) 821-1785 Lycoming-Clinton Counties Commission far Community Action (STEP) 2138 Lincoln Street P.O. Box 1328 WIIIIISmspart PA 1770Z (717) 326-0587 FAX (717) =2-2197 MCKEaN COUNTY John F. Kennedy Center, Inc. 2021 East 20th Street Erie. PA 16510 (814) 898-0400 FAX (814) 898-1243 Acom Housing Corporation 646 North Broad Street Philade!phia, PA 19130 (215) 765-1221 FAX (215) 765-1427 AM Credit Counseling Institute 144 East Deka!b Pike, Suite 100 King of Prussia, PA 19406 (6 i0) 3°4-9922 Consumer Credit Counsel!ng Service of Oe!aware County 1211 Chestnut Street. Suite 400 Fhiiadelphia, PA 19107 (215) 553-Saaa Fax (215) 864-2665 La Casa De! Puebla 816 W. Saitimare Pike Kennett Square, PA 19248 (215) 4443731 FAX (215) 4443178 Northern Tier Community Action Corp. 135 W. Fourth Street Emporium. PA 15834 (814) 486-1161 FAX (814) 486-3370 MONTGOMERY COUNTY Sudget Counseling Canter 247 North Firth Street Reading, PA 19601 (215) 376-7866 FAX (215) 376-5575 Community Action Oeve!ooment Commission 113 East Main Strew Norristown, PA 19401 (215) 277-6263 FAX (215) 2777-7-122 Media Fe!lowshio House M2 S. Jackson Street Media. PA 19063 (215) E55-0846 Philadelphia Counse! for Community Advancement 100 North 17th Street. Suite 600 Phi!ade!ohia, PA 19103 (216)567-7803 FAX (215) 963-0941 F:'DOGLTIC.PIIB(,rf_90REg gSAC91 XGr 15 MONTOUR COUNTY Consumer Credit Counseling Service of Northeastern Pennsylvania Human Services Building 541 Wyoming Avenue Box 168 Scranton, PA 18501 (7177) 342-1072 or (800) 422-9537 FAX (717) 342-9040 Consumer Credit Counseling Service of Northeastern Pennsylvania Human Services Euiidina 31 W. Market Street Wilkes-Earre, PA 18702 (717) 821-0837 or (800) 922-9537 FAX (717) 821-1785 NORTHAMPTON COUNTY Consumer Credit Counseling Service of Lehigh Valley 3671 Crescent Court E=st Whitehall. PA 18052 (215) 821=011 or (800) 220-22733 (7717) and (814) ONLY FAX (215) 821-0137 Consumer Credit Counsaiina Service of Northeastern Pennsvivania Human Services Building 541 Wvomina Avenue Box 168 Scranton. PA 18501 (717) 342-1082 or (800) 4'?-?537 FAX (717) 342-8040 NORTHUMEERLANO COUNTY Consumer Credit Counseline Service of Northeastern Pennsylvania Human Services Euiidina 31 W. Market Street Wilkes-Earre. PA 18702 (717) 821-0837 or (800) 922-95Z7 FAX (717) 821-1785 Economic Opportunity Cabinet of Schuvlkiil Ccunrv 118 Norwegian s„eet Pottsville. PA 17901 (717) 622-1995 FAX (717) 622-0429 16 PERRY ?: UNCt Consumer Credit Counseling Service Weatherizatlon Office of Western Pennsylvania, Inc. 417 Mifflin Street 2000 Ungiestown Road Huntingdon, PA 16652 Harrisburg, PA 17102 (814) 643-2343 (717) 541-1757 YMCA of Carlisle Fnanciai Services Unlimited 301 G. Street 117 West 3rd Street Carlisle, PA 17013 Waynesboro, PA 17268 (7177) 243-3818 (717) 762-3285 FAX (717) 243-3948 Urban League of Metropolitan Harrisburg 25 n. Front Street Harrisburg, PA 17101 (717)234-5925 FAX (717) 232-4985 PHILADELPHIA COUNTY Acorn Housing Corporation Housina Assac!adan of Delaware Valley 846 north Broad Street 1314 Chestnut Street, Room 900 Philadelphia. PA 19130 Philadelphia. PA 19107 (215) 765-1221 (215) 545-6010 FAX (215) 765-1427 FAX (215) 790-9132 AM Credit Counselina Institute 656 North Watts Street 144 East Dekalb Pike. Suite 100 Fhiiadelohia. PA 19123 King of Prussia, PA 19405 (215)g i 8-0224 (610) 354-90-J.) FAX (215) 765-7614 Centro Pedro Claver Media Fe!lowshic House 3565 North 7th Street- 302 S. Jackson Street Philadelphia. PA 19140 Media. PA 19063 (215) 227-7111 (610) 555-0846 FAX (215) 227-7117 Philadelphia Council for Consumer Credit Counse!!no Se vica Community Advancement of De!aware Valley 100 Nonh 17th Street. Suite 600 1211 Chestnut Street. Suite 400 Ph!!ade!ohia. PA 19103 Phi!ade!phia. PA 19107 (215) 567-7803 (215j 503 5665 FAX (215) 963-0941 FAX (215) 854-265566 Urban League of Phiiade!ohis Hispanic Assocdadon of Contractors 251-3 South 24th Street & Enterprises Philadelphia. PA 19102-5572 2921-27 North 5th Street (215) 731-4100 Philadelphia. PA 19133 FAX (215) 731-s112 (215) 426-8025 FAX (215) 426-8027 F:`DOClSTL1MJBLlCF011£Qp5UC:91.HQf' 17 PIKE COUNTY Consumer Credit Counseling Service Consumer Credit Counseling Service of Nartheastem Pennsylvania of Northeastern Pennsylvania Human Services Building 31 W. Market street 541 Wyoming Avenue Wilkes-Barre, PA 18702 Box 168 (717) 821-0837 or (800) 922-9537 Sc.anton, PA 18501 FAX (717) 821-1785 (717) 342-1072 or (800) 422-9537 FAX (717) 342-8040 POTTER COUNTY Northern Tier Community Action Carp. 135 W. Fourth Street Emporium, PA 15834 (814) 486-1161 FAX (814) 486-3370 SC iUYLKILL COUNTY Budget Counseling Canter Economic Cogorrunity Cabinet 247 North Fifth Street of Schuv!kiil County Re=ding P.4 19601 118 Norwegian Street (215) 375.7866 Pgtt_sviile. RA 17401 FAX (215) 376-6575 (717) C--%1S-29- FAX 9717) 622-0429 Ccmmisslon an Economic C)oponunity of Luzeme County 211 13 South Main Street Wilkes-Barre, PA 18701 (717) 826-0510 or (800) 822-035° FAX (7177) 829-1665 =11 before faxina (717) d55-?994 Hazelton FAX (717) 455-5631 =!1 before f-axina (717) 835-1040 Tunkhannock SNYDER COUNTY Consumer Credit Ccunselino Service of Western Pennsylvania, Inc. 2000 Unclestown Road Harrisburg, PA 171,02 (717) 541-1757 r?m?rraunuesoaeaa¢ucsi rgr 18 SOMERSET COUNTY 8edfani-Fulton Housing Services • Keystone Economic Development Corp. R.D. 1, Box 384 1954 Mary Grace Lane Everett PA 15537 Johnstown, PA 15901 (814) 623-4129 (814)535-655x' FAX (814) 623-7187 FAX (814) 539-1688 Consumer Credit Counseling Service Tableland Services, Inc. ct Westem Pennsylvania, Inc. 131 North Center Avenue 1 North Cate Square Somerset, PA 15501 2 Carden Center Drive (814) 445-9628 Greensburg, PA 15601 FAX (814) 443-3690 SULLIVAN COUNTY Consumer Credit Counseling Service German Street of Northeastem Pennsylvania P.O. Sox 389 Human Services Buiidina Dushore, PA 18614 541 Wyoming Avenue (717) 928-9668 Box 168 Sc.-anton, PA 18501 (717) 342-1072 or (800) 922 4537 His Maiesty Fe!lowshio Church FAX (717) 242-3040 207 Fenn Ave., P.O. Sox 104 Athens. PA 18810 (Wed.-Fri.) (717) 888-6024 31 W. Market Street Wilkes-Barre. PA 18702 (717) 821-0837 or (800) 922-9537 17 Calton Street FAX (717) 821-1785 We!Isboro, PA 16901 (717) 724-5252 The Trehab Center of Northeastern Pennsylvania 602% Church Street 7 Lake Avenue P.O. Sax 97 Box 339 Homesdale, PA 1843 , Montrose. PA 18801 (717) 258-1987 (717) 278-3338 or (800) 982-=045 FAX (717) 278-1889 103 Warren Street P.O. Box 709 185 Emir Street Tunkhannock, PA 18657 P.O. Box 218 (717) 8369840 Tray, PA 16947 (717)297-2101 F:1O061STCyVBi]CFOAEQ031AC?IN01' 19 SUSQUEHANNA COUNTY Consumer Credit Caunsefina Service of Northeastern Pennsylvania Human Services Building 541 Wyoming Avenue Box 158 Scranton, PA 18501 (717) 342-1072 or (800)922-9637 FAX (7177 342-8040 31 W. Market- Street Wilkes-Barre, PA 18702 (717) 821-0827 or (800) 922--9537 FAX (717) 821-1785 The Trehac Center of Northeastem Pennsylvania 7 Lake Avenue Box 339 Montrose. PA 18801 (717) 276-!-Z38 or (800) 9^82-=045 FAX (717) 278-1889 185 E:mira Street P.O. box 218 Troy, PA 16947 German Street P.O. Box 389 Dushore, PA 1861Q (717)928-?668 His Majesty Fellowship Church 207 Penn Ave. P.O. Box 104 Athens, PA 18810 (Wed.-Fri.) (717)888.6024 17 Caftan Street Wellsbara, PA 16901 (717) 724-3252 602 % Chums Street F.O. Eox 97 Hamesdale, PA 16431 (717) 636.8840 103 Warren Streer P.O. Box 709 Tunkhannoc:c, PA 18657 r:Inoc^urr muesanemas c. 7 1 roT 20 TIOGA COUNTY Consumer Credit Counseling Service of Northeastern Pennsylvania Human Services Building 641 Wyoming Avenue Box 168 Scranton, PA 18601 (717) 342-1072 or (800)922-9537 FAX (717) 342-8040 185 Emira Street P.O. box 218 Troy, PA 16947 German Street P.O. Box 389 Dushore, PA 18614 (717)428-96668 31 W. Mairket Street Wilkes-Barre, PA 18702 (717) 821-0837 or (800) 922-2537 FAX (717) 821-1785 The Trenab Center of Norihe=_sem Pennsylvania 7 Lake Avenue Box 339 Montrose. PA 18601 (717) 278-3338 or (800) 982-1045 FAX (717) 278-1889 His Majesty Fellowship Church 207 Penn Ave. P.O. Box 104 Athens, PA 18810 (Wed: Fri.) (717) 888-6024 17 Crafton Street Wellsbaro. PA 16901 (717) 724-5252 602 Mz Churca Street P.O. Box 97 Homesdale. PA 18431 (717) 836-6840 103 Warren Street P.O. Box 709 Tunkhannock. PA 18657 Lycomina-Clinton Counties Commission far Community Ac^on (STE?) 2138 Un=fn Street P.O. Sax 1328 Williamsnart. PA 17-703 (717) ac_-2197 UNION COUNTY Consumer Credit Counseling Service of Western Pennsyivanm. Inc. 500-02 3rd Avenue Post Office box 278 Duncansviile. PA (814) 696-3646 r."D0==-Cjn=L1Cd0MF 1D C91N6r 21 VENANGO COUNTY Greater Erie Communitv Warren-Forrest Counties Economic Adon Committee Opportunity Caunal 18 West 9th Street 1209 Pennsylvania Avenue, West P.O. Sax 947 Eie, PA 1601 Warren, PA 16369 (814) 459-4981 (814) 726-2400 FAX (814) 4966-0161 FAX (814) 7234510 Greater Erie Community Action Committee 18 Wes: 9th Street Ere, PA 16901 (814) ASS--4--81 FAX 9814) 456-0161 WASHINGTON COUNTY Aran Housing, Inc. Housing Opportunities. Inc. Number Two Gctewav Center 133 Seventh Street 9th Fiaor McKeesccm PA;5132 Pittsburch, PA 15722 (412) 664-;990 (412) 3°t-1955 FAX (412) 6c4-0873 Community Ac'cn Southwest Mon-Valley Unemployed Cammittee Z West High street 120 9th Avenue Waynesburg, PA 15:,70 Homestead. PA 15120 (412) 897--2893 (412) 462-9962 Consumer Credit Caunseiino SerAce at Western Pennsylvania, Inc. 1 North Gate Square 2 Garden Canter Drive Greensburg, PA 19601 P!DOC:ISf{yt?{y?}rOM1ECAMC:91SlOT -- WAYNE COUNTY Consumer Credit Counseling Service of Northeastern Pennsylvania Human Services Building 541 Wyoming Avenue Box 168 Sc.-antan, PA 18501 (717) 342-1072 or(8(30)s2?-?537 FAX (717) 342-8040 1.1 W. Market Street Wilkes-Barre. PA 18702 (717) 821-0837 or (800) 922-9537 FAX (717) 821-1785 The Trehab Canter of Northeastern Pennsylvania 7 Lake Avenue Box 339 Montrose, PA 18801 (717) 278-3338 or (800) 982-1045 FAX (7177) 2i8-1889 185 Emira Street P.U. box 218 Troy, PA 16947 (717) 247-2101 German Street P.O. Box 389 Oushore, PA 18614 (717)928-966'8 His Majesty Fellowship Church 207 Penn Ave. P.O. Box 104 Athens. PA 18810 (Wed.-Fri.) (717)868-6024 17 Crttcn Street Wellsboro, PA 16901 (717) 724-525-2 602 Y- Church Street P.O. Box 97 Homesdale, PA 18431 (717) 836-6840 103 Warren Street P.O. Box 709 Tunkhannock, PA 18657 (717) 836-5840 vw06RSr{w6eucuane6. =-791 +a 23 WESTMORELAND COUNTY Action Housing, Inc. Number Two Gateway Center 9th Ficor Pittsburgh, PA 15222 (412) 391-1956 Indiana County Community Action Program 827 Water Street, Box 187 Indiana, PA 15701 (412) 465-265 r? FAX(412)465-5118 Community Action Southwest 22 West High Street Waynesburg, PA 15370 (412) 852-2893 Consumer Credit Counseling Service of Western Pennsylvania, Inc. 1 North Gate Square 2 Garden Center Drive Greensburg, PA 15601 Housing Opportunities, Inc. 133 Seventy Street McKeesport. PA 15132 (412) 664-1550 FAX (412) 664-0873 HDOG'lST{Y UC3 M=S- INOT Keystone Ecanamic Deve!ogment Corp. 1954 Mary Grace Lane Johnstown, PA 15501 (814) 535-6-=50- FAX (814) 539-1888 Man-Vailey Unemployed Committee 120 E. 9th Avenue Homestead. P.4 15120 (412)462-9a-62 Tableland Services. Inc. 131 North Center Avenue Somersei. PA 15501 (814)A45 =628 FAX(81A)443--3650 24 WYOMING COUNTY Consumer Credit Counseling Service of Northeastern Pennsylvania Human Services Building 541 Wyoming Avenue Box 168 Scranton, PA 18501 (717)342-1072 or(800)922-9537 FAX (717) 3424040 31 W. Market Street Wilkes-Barre, PA 18702 (717) 821-0837 or (800) 92-9537 FAX (717) 821-1785 The Trehab Center of Northeastern Pennsylvania 7 Lake Avenue Box 339 Montrose. PA 18801 (717) 278-3338 or (800) 982-4045 FAX (717) 278-1882 185 Elmira Street P.O. box 218 Troy, PA 16947 (717)821-1785 German Street P.O. Box 389 Dushcre, PA 18614 (717) 928-9668 His Majesty Fellowship Church 207 Penn Ave. P.O. Box 104 Athens, PA 18810 (Wed.-Fri.) (717) 888-0024 17 C,afton Street We!Isbaro, PA 16901 (717) 724-5252 Commission an Economics Opportunity of Luzeme County 211-213 South Main Street Wilkes-Barre, PA 18701 (717) 826-0510 or (800) 82-0359 FAX (717) 829-1665 call before faxing (717) 45S-4994 Haze!tcn FAX (717) 4-5-E-5563 1 call before f-.xina (717) 836-4090 Tunkhannock 602'1: Church Street P.Q. Box 97 Homesda!e, PA 18431 (717) 836-0840 103 Warren Street P.O. Box 709 Tunkhannock, PA 18657 (7177) 836-6840 e'n0C=-Cs L1=0RW-3%A .71XW 25 YORK COUNTY Amedcsn Red Crass - Hanover Chapter 529 Carlisle Street Hanover, PA 17331 (717) 637-3768 FAX (717) 637-3294 Consumer Credit Counseling Service of Western Pennsylvania, Inc. 2000 Unglestown Road Harrisburg, PA 17102 (717) 541-1757 Housing Council at York 116 North George Street York, PA 17401 (717) 854.1541 FAX (717) 845-7934 26 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE THE COMMONWEALTH OF PENNSYLVANIA'S HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM MAY BE ABLE TO HELP YOU. READ THE FOLLOWING NOTICE TO FIND OUT HOW THE PROGRAM WORKS. If you need more information call the Pennsylvania Housing Finance Agency at 1 (800) 342-2397 LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PLIES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO FOR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. F GCCSW154511 RO BPLEAPING'ACT91 DOC ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS Date: May 6, 1999 RE: Account No.: 72807530 T0: Janet L. Roberts 13 West Pine Street Mount Holly Springs, Pennsylvania 17065 PROPERTY: 13 West Pine Street Mount Holly Springs, Cumberland County, Pennsylvania 17065 FROM: Axel A. Shield, II, Esquire Attorney for The Bank of New York as Trustee under the Pooling and Servicing Agreement dated as of February 29, 1996, Series 1994-A You may be eligible for financial assistance that will prevent foreclosure on your mortgage if you comply with the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Act"). You may be eligible for emergency temporary assistance if your default has been caused by circumstances beyond your control, you have a reasonable prospect of resuming your mortgage payments, and if you meet other eligibility 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 entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with a representative of this lender, or with a designated consumer credit counseling agency. The purpose of this meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency. This meeting must occur in the next (30) days. If you attend a face-to-face meeting with this lender, or with a consumer credit counseling agency identified in this notice, no further proceeding in mortgage foreclosure may take place for thirty (30) days after the date of this meeting. The name, address and telephone number of our representative is The Money Store Kelly Deal 4111 South Darlington, Suite 800 Tulsa, Oklahoma 74135 Telephone (888) 791-2070 or (918) 280-2700 ext. 2887 Fax (918) 280-2719 The names and addresses of designated consumer credit counseling agencies are shown on the attached sheet. It is only necessary to schedule one face-to-face meeting. You should advise this lender immediately of your intentions. Your mortgage is in default because you have failed to pay promptly installments of principal and interest, as required, for a period of at least sixty (60) days. The total amount of the delinquency is $4,475.77. That sum includes the following: 7 payments of principal and interest @595.45 ........................ $4,168.15 6 late charges @ 29.77 ............................................ 178.62 Corporate Advance Fee ............................................ 100.00 Accrued Returned Check Charges ..................................... 15.00 Recordation of Release ......................................... 14.00 TOTAL ...................................................... $4,475.77 If you have tried and are unable to resolve this problem at or after your face-to- face meeting, you have the right to apply for financial assistance from the Homeowners' Emergency Mortgage Assistance Fund. In order to do this, you must fill out, sign and file a completed Homeowners' Emergency Assistance Application with one of the designated consumer credit counseling agencies listed on the attachment. As application for assistance may only be obtained from a consumer credit counseling agency. The consumer credit counseling agency will assist you in filling out your application and will submit your completed application to the Pennsylvania Housing Finance Agency. Your application must be filed or postmarked, within thirty (30) days of your face-to-face meeting. 3 It is extremely important that you file your application promptly. If you do not do so, or if you do not follow the other time periods set forth in this letter, foreclosure may proceed against your home immediately. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. it is extremely important that your application is accurate and complete in every respect. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that additional time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by that Agency of its decision on your application. The Pennsylvania Housing Finance Agency is located at 2101 North Front Street, Post Office Box 8029, Harrisburg, Pennsylvania 17105. Telephone No. (717) 780-3800 or 1-800-342-2397 (toll free number). Persons with impaired hearing can call (717) 780-1669. In addition you may receive another notice from this lender under Act 6 of 1974. That notice is called a "Notice of Intention to Foreclose". You must read both notices, since they both explain rights that you now have under Pennsylvania law. However, if you choose to exercise your rights described in this notice, you cannot be foreclosed upon while you are receiving that assistance. Very truly yours, CA N & LUBER, LP By: Axel A. Shield, ,Esquire UNLESS YOU NOTIFY US IN WRITING WITHIN THIRTY (30) DAYS AFTER RECEIPT OF THIS LETTER THAT THE DEBT, OR ANY PART OF IT, IS DISPUTED, WE WILL ASSUME THAT THE DEBT IS VALID. IF YOU DO NOTIFY US OF A DISPUTE, WE WILL OBTAIN VERIFICATION OF THE DEBT AND MAIL IT TO YOU. ALSO UPON YOUR WRITTEN REQUEST WITHIN THIRTY (30) DAYS, WE WILL PROVIDE YOU WITH THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR IF DIFFERENT FROM THE CURRENT CREDITOR. THIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 4 Consumer Credit Counseling Agency Notification To: Date: Name of Mortgagee Address In accordance with the Pennsylvania Homeowners' Emergency Mortgage Assistance Program (Act 91 of 1983), we have been approached for mortgage counseling assistance by: Name of Applicant Address Telephone Number Mortgage Loan Number Address of property on which mortgage is in default, if different from above. The counseling agency met with the above named applicant on Date who have indicated that they are more than sixty days delinquent on their mortgage payments and have received notification of intention to foreclose from Name and Address of Mortgagee In accordance with the Homeowners' Emergency Mortgage Assistance Program, this is to inform you that : 1. If the delinquency cannot be resolved within the 30 day forbearance period as provided by law, the applicant listed above may apply to the Pennsylvania Housing Finance Agency for Mortgage Payment Assistance. 2. By a copy of this Notice, we are notifying all other mortgagees, if any, which the applicant has indicated as also having a mortgage on the property identified above. 3. It is our understanding that the 30 day forbearance period in which we are now in ends on 4. No legal action to enforce the mortgage may occur during this forbearance period, unless procedural time limits were not met by the homeowner. Name of Counseling Agency: Signer and Title Telephone Number PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES American Red Cross-Hanover Chaoter 529 Carlisle Street Hanover, PA 17331 (717)637-3768 FAX T (717) 637-3294 Blair County Ecanomie Opportunity Council 5433 Industrial Avenue Altoona, PA 16601 (814) 946-3651 FAX # (814) 946-5451 Action Housing, Inc. Number Two Gateway Canter 9th Ficar Pittsburgh. PA. 152- (412) 321-1956 Community Ada= Southwest 22 West High Street Waynesburg, PA 15370 (412)852-2893 Consumer Credit Counse!ino Service of Western Pennsv!vania. Inc. 309 Smithfie!d Street Pittsburah, PA 15:22 (412) 471-7584 Consumer Credit Counselino Service of Western Pennsylvania. Inc. 500-02 3rd Avenue Post Office Box 278 Ouncansviiie. PA (814) 686-3546 ADAMS COUNTY Consumer Credit Counseling Service of Western Pennsylvania, Inc. 2000 Unalestown Road Harrisburg. PA 17102 (717) 541-1757 Financial Services Unlimited 117 West 3rd Street Waynesboro, PA 17268 (717) 762-3285 ALLEGHENY COUNTY Housing Opportunities. Inc. 133 Seventh Street McKeesocrt. PA 15132 (412) 664-1590 FAX T (412) 664-08 7 3 Man-Valley Unemcloyed Committee 120 E. 9th Avenue Homestead. PA 15120 (412)462-9962 Urban League of Pittsburgh, Inc. building For Equal Opportunity One Smithfield Street Pittsburgh, PA 152=?--222-1 (412)251-1130 FAX-, (412) 2E 1 --5207 ARMSTRONG COUNTY Indiana County Community Acdon Prggrm 827 Water Street. Box 187 Indiana. PA 15701 (412) A65-226=57, FAX m (412) 465-5118 F:DOCRTT?Y UCYOR8C 003 tNOT BEAVER COUNTY Ac.tcn Housing, Inc. Number Two Gateway Center 9th Fiaor Pittsburgh, PA 15722 (412) 391-1956 Housing Opportunities of Beaver Caunty, Inc. 334 Insurance Street Beaver, PA 15009 (412) 726-7511 Consumer Credit Caunselina Service of Wester Pennsylvania. Inc. 524 Franklin Avenue Franklin Center Aliquippa. PA 15001 Eedfani-Fultan Housina_ Services R.D. 1, Box 384 EvererL PA 15537 (8 i4) 623-9129 Consumer Credit Ccunseiina Service of Western Pennsyivania. Inc. 500-02 3rd Avenue Post Office Eox 278 Duncansviile. PA (814) 696-3546 Keystone Eccnamic Deve!ooment Corporation 1954 Mary Grace Lane Johnstown. PA 15901 (814) 53517555 FAX m (814) 539-16'a8 Eudoet Ccunse!ino Center 247 North Fifth Street Reading, PA 19601 (215)3i5-'8666 FAX -1 (215) 37617575 Mon-/alley Unemployed Committee 120 E. 9th Avenue Homestead, PA 15120 (412) 762-9962 BEDFORD COUNTY Tableland Services. Inc. 131 North Center Avenue Somerset. PA 15=01 (81A)AAS-9628 FA:( m (814) d13-3690 Weathenzation Of.-;ca 917 Mir1r in Street Hundnadcn,PA 1Ec'S2 BERKS COUNTY Eccnomie Opoorunity Cabinet of Schuylkill County 118 Norweiaian Street Pottsville. FA 17901 (717) 622-1995 FAX m (717) 622-0429 F:'mClSi{SfllBLSCFOIIEa.OSAC?111Qr Consumer Credit Counseling Service of Lehigh Valley 3671 Crescent Court East Whitehall, PA 18052 (610) 821-4011 or 1 (800) 220-2733 (717) and (814) ONLY I`.x T (215) 821-0137 Bedford-Fulton Housino_ Services R.D. 1, Box 384 Everett, PA 15537 (814) 623-9129 FAX m (814) 623-7187 Blair County Economic Opporruni y Council 5433 Industrial Avenue Altoona, PA 16601 (814) 946-3651 FAX-, (814) 946-5451 Consumer Credit Counseling Service of Westem Pennsylvania. Inc. EOO-02 3rd Avenue Pcst Office box 278 Ouncansvi!le, PA (814) 696-3546 Consumer Credit Counseling Service of Nonheastem Pennsyivania Human Services Suiidinc 541 Wyoming Avenue Box 168 Sc.-anion, PA 18501 (717) 242-1072 or 1 (800) 922-9537 FAX # (717) 342-8040 31 W. Market Street Wilkes-Barre. PA 18702 (717) 821-0837 or 1 (800) 922-9537 FAX T (7177) 821-1785 La Case Del Puebla 815 W. Baltimore Pike Kennett Square, PA 19348 (215) 4443731 FAX R (215) 4443178 BLAIR COUNTY KeySOne Economic Development Caroortion 1954 Mary Gres Lane Johnstown, PA 15:01 (814) 535.6556 FAX R (814) 539-1688 Weatherization Office 917 Mifflin Street Huntinadon, PA 16652 BRADFORD COUNTY His Maiesty Fellowship Church 207 Penn Ave. P.C. Box 104 Athens. PA 18810 (Wed.-Fri.) (717) 888-0024 17 Calton Street Weiisbara, P.4 16901 (717) 7245262 F:`DOtr^tiSr{,p?g1y6FOREQOSAC:9INOT The Trehab Center of Northeastern Pennsylvania 7 take Avenue Bax 339 Montrose, PA 18801 (717) 278-3338 or 1 (800) 982-4045 FAX -1 -717) 278-1889 185 Emira Street P.O. Box 218 Troy, PA 16947 (717) 297-2101 German Street P.O. Box 389 Oushore, PA 18614 (717) 928-9668 Acorn Housina Corporation 846 North Broad Street Phiiadeichia. PA 19130 (215) 765-1221 FAX -1 (215) 765-1427 AM Credit Counselina Institute 144 East Dekalb Pike. Suite 100 Kind of Prussia, PA 19406 (610)354--3-3^22 Bucks County Housing Group. Inc. 140 East Richardson Avenue Lanahome. PA 19047 (215) 7501310 FAX -1 (215) 750-4318 Hispanic Associadon of Ccntrmcmrs 3 Enterprises 2921-27 North -5th Street Phiiadelahia. Pa 19122 (215) 426-3025 FAX -1 (215) A26-302-1 602Y2 Chruch Street P.O. Box 97 Homesdale, PA 18431 (7177) 2°_84987 103 Warren Street P.O. Box 709 Tunkhannock, PA 186-57 (717) 836.8840 BUCKS COUNTY Consumer Credit Counseiina_ Service of Delaware Valley 1211 Chesmut Street, Suite 100 Phiiadelonia. PA 19107 (21Sj Se Sca-5 FAX -1 (215) 864-2e66 Consumer Credit Coun<_elina_ Service or Lehian Valley 3671 Crescent Court E_s: Whitehall, PA 18052 (610) 821-1011 or 1 (800) 220-2733 (717) and (814) ONLY FAX -1 (215) 821-0137 CARBON COUNTY Economic Opportunity Cabinet Consumer Credit Counseling Service of Schuylkill County of Lehigh Valley 118 Ncrweigian Street 3671 Crescent Court Pottsville, PA 17901 East Whitehall, PA 18052 (7717) 622-1995 (610) 821-4011 or 1 (800) 220-2733 FAX # (717) 622-0429 (717) and (814) ONLY FAX m (215) 821-0137 Consumer Credit Counselina Service Commission on Economics Opportunity of Northeastern Pennsylvania of Luzeme County Human Services buildina_ 211-213 South Main Street 541 Wyoming Avenue Wilkes-Ewe, AP 18701 Pax 168 (717) 826-0510 or 1 (800) 82-0359 Scranton, PA 18501 FAX : (717) 829-1665 (717) 342-1072 or 1 (800) 922-9537 Call before faxing FAX (717) 1-42-9040 (717) 830'--090 7unkhanncck 31 W. Market Street Wilkes-Barre, PA 18702 (717) 821-0837 or 1 (800) 9Z2-9537 FAX m (717) 821-1785 CENTRE000NTY Consumer Credit Counselina Service Lyccmina "Tinton Counties of Western Pennsylvania. Inc. Commission Far Community 500-02 3rd Avenue Action (STEP) PCs', Office Eox 278 2138 Lincoln Street Ouncansviile, PA. P.O. Eox 132E (814) 6964546 Williamsport. PA 17703 (717) 326-0587 F.4X m (7 17) 322-2197 CHESTER COUNTY Acorn Housing Corporation La Cas Oe! Pueblo 846 North Eroad Street 816 W. Esitimore Pike Philade!ohia. PA 19130 Kennett Sauare. PA 19348 (7-15)76 5-121 (610) 444 3731 FAX T (215) 765-1427 FAX -1 (610) 444-3178 AM Credit Counselina Institute Media Fellowship house 144 East Oekalb Pike. Suite 100 302 S. Jackson street Kina of Prussia. PA 19406 Media. PA 19065 (15,16) 354-9922 (610) 5554846 F:`?dG'lT-:FV811CFOM1ECOAAL?1 YCT BUTLER COUNTY Action Housing Inc. Number Two Gateway Center 9th Ficor Pittsburgh, PA 15222 (412) 391-1956 Consumer Credit Counseling Service of Westem Pennsylvania, Inc. YMCA Building 339 North Washington Street Butler, PA 16001 Bedford-Fulton Housing Services R.D. 1, Box 384 Everett PA 15537 (814) 623-9129 FAX (814) 623-7187 Housing Opportunities, Inc. 133 Seventh Street McKeesport, PA 15132 (412) 664-1590 FAX # (412) 6664-0873 Mon-Valley Unemployed Committee 120 E. 9th Avenue Homestead, PA 15120 (412) 462-9962 CAMBRIA COUNTY Keystone E_anamic Deve!aement Carparadon 1954 Mary Grace Lane Johnstown. PA 15901 (814) 535-6556 FAX m (814) 539-1688 Consumer Credit Counseling Service of Western Pennsvivania. Inc. 500-02 3rd Avenue Post Office Box Z-78 DuncGnsviile, PA (814) 696-3546 Indiana County Community Action Program 827 Water Street, Box 187 Indiana. PA 15701 (412) d65-2657 FAX :(412)465-5118 Northern Tier Community Action Corp. 135 W. Fourth Street Emporium, PA 15834 (814) 686-1161 FAX m (814) d86-3370 Tableland Services Inc. 131 North Canter Avenue Somerset. PA 15601 (81d) 445-?628 FAX (814)dd3 690 CAMERON COUNTY Consumer Credit Counseling Service of Western Pennsvivanis. Inc. 500-02 3rd Avenue Post OfFica Box 278 Duncansviile. PA (814) 696-3546 F Wo"MsrV UMTOAECA c-.17 Itw Budget Counseling Center 247 North Fifth Street Reading, PA 19601 (610) 375-78666 FAX R (610) 376-6575 Consumer Credit Counseling Service of Delaware Valley 1211 Chestnut street, Suite 400 Philadelphia, PA 19107 (215) 563-5665 FAX -1 (215) 864-266666 Hiscanic Associadon of Ccntractors & Enterprises 2921-27 North 5th Street Philadelphia, PA 19133 (215) 426-8025 FAX -1 (215) 426-2027 Consumer C. edit Counse!!ne Service of Western Pennsvlvania. Inc. YMCA Euiidinc 339 North Washincrcn Street Butler, PA 16001 (412) 282-7812 Keystone Economic Development Corporation 1954 Mary Grace Lane Johnstown, PA 15901 (816) !35_6550- FAX .'? (814) 539-, 688 Indiana County Community Actzcn Prccram 827 Water Street. Eox 187 Indiana. PA 15701 (412)466-267 FAX (412) 465-51 i8 Philadelphia Council for Community Advancement 100 North 17th Street Suite 600 Philadelphia, PA 19103 (215) 567-7803 FAX *(215)963-9941 Tabor Community Service, 439 E. King Street Lancaster, PA 17602 (717) 397-5182 or 1 (800) (Homeowners only) FAX-, (717) 399-1127 CLARION COUNTY CLEARMELD COUNTY Inc 788-5062 Consumer Credit Counsei!ne Service of Western Pennsvivarim. Inc. 500-02- rd Avenue POST Office Eex 278 Ouncansviile. PA (814) 695-3546 r990G1ST.CmMUC.Ta ¢ 51AC it CLINTON COUNTY Lycoming-Clinton Counties Commission Far Community Action (STER) 2138 Lincoln Street P.O. Eox 1328 WIIIIamspom PA 177703 (717) 326-0587 FAX T (717) 222-2197 COLUMEIA COUNTY Consumer Credit Counseling Se vica Ccmmissian an E_cnemics Opportunity of Northeastern Pennsyivania of Luzente Ccunrv Human Services Euiidino 211-213 South Main Street 541 Wyoming Avenue Wilkes-Barre, PA 18701 Eox 168 (71 ) 826-0510 or 1 (800) 822-0359 Scanton, PA 18501 FAX (717) 829-1665 (717) 342-1072 or 1 (800) 922-9537 Cal before faxing FAX ,: (717) 342-3040 (71177) 466.4994 Haeitcn FAX T (717) 466-663 i Caii before faxing (717) 836-090 Tunkhanncck 31 W. Market Street Wilkes-Sarre, PA 18702 (711 7) 821-0837 or 1 (800) 922 =657 FAX : (717) 821-1786 CRAWFORD COUNTY Ecoker T. Washington Center Jahn F. Kennedy Center, Inc. 1720 Hoiland Street 2021 E2st20th Street Eie. PA 16603 Erie. PA 16610 (814) 453 5744 (814) 698-0400 FAX #,. (814) 455-5 i 49 FAX -1 (814) 898-1243 Greater Eae Community Acton Shenanoo Valley Urban Le_gue. Inc. Committee 601 Indiana Avenue 18 West 9th Street Farreil, PA 76121 Eie, PA 16E01 (412) 981-5310 (814) 459-1581 FAX T (814) 456-0161 Fl?OCIlT{'.P48LLCSOAEgaSUC:9INQF CUM6ERUND COUNTY Consumer Credit Counseling Service of Westem Pennsylvania, Inc. 2000 Linglestown Road Harrisburg, PA 17102 (717) 541-1767 Financial Services Unlimited 117 West 3rd Street Waynesboro. PA 17268 (717) 762-3285 Consumer Credit Counseffna Service of Western Pennsylvania, Inc. 2000 Unglestown Road Harrisbruc, PA 17102 (717) 641-1757 Accm Hausing Corporation 846 North Broad Street Philadelphia. PA 19130 (215) 765-1231 FAX m (215) 766-1427 AM Credit Counseling Institute 144 E=_st Dekalb Pike, Suite 100 King of Prussia. PA 12406 (610) 354-g92Z Consumer Credit Counsaiina Service Of Delaware Vaiiey 1211 Chestnut street, Suite 400 Philadelphia. PA 19107 (215) 653-500-66 FAX :(215)864-26066 VDOCIST{'YmwcsamcwSA 1NOT Urban League Of Mebmpolitan Harrisburg 25 N. Front Street Harrisburg, PA 17101 (717) 234-5925 FAX 9 (717) 232-4985 YWCA of Carlisle 301 G Street Carlisle, PA 17013 (717) 243-3818 FAX * (717) 243-3948 DAUPHIN COUNTY Urban League of Metmoolitan Harrisburg 25 N. Front Street Harrisburg, PA 17101 (717)234 5025 FAX;, (717) 232=985 DELAWARE COUNTY La Cas De! Pueblo 815 W. Baltimore Pike Kennett Square. PA 1g348 (610)444-3731 FAXm(610)AAd 3178 Media Fellowship house 302 S. Jackson street Media, PA 19063 (610) 555-0846 Philadelphia Counc:i for Community Advancement 100 North 17th Street Suite 600 Philadelphia. PA 12103 (215) 567-7803 FAX m (215) 96 -0-041 Hispanic Association of Contractors & Enterprises 2921-27 North Sth Street Philadelphia, PA 19133 (215) 426-8026 FAX T (215) 426-8027 Northern Tier Community Ac9on Carp. ISSW. Fourth street Emporium, PA 15834 (814) r86-1161 FAX # (814) 48E-3370 Soaker T. Washington Center 1720 Holland Street Erie, PA 16503 (814) 898-0400 FAX :(814)453-5749 John F. Kennedy Center, Inc. 2021 Esst 20th Street Erie, FA 16510 (814) 698-0400 FAX :(814)8989-1243 Ac-on Housing Inc. Number Two Gateway Canter 9th Fgor Pittsburgh, PA 152_ (4121 391-1956 Community Ac:!on Southwest 22 `Nest High Street Waynesburg, PA 15370 (412) 852-289S ELK COUNTY Jahn F. Kennedy Canter, Inc. 2021 East 20th Street Erie, PA 16910 (814) 898-0400 FAX ;I (814) 898-1243 ERIE COUNTY Greater Ede Community Action 18 West 9th Street Erie. PA 16501 (814) r59=Sa1 F.-X -1 (814) ash-0161 FAYE-.TECOUNTY Committee Fayette County Community Acden Agency, Inc. 137 North Beeson Avenue Uniontown. PA 15401 (412) 437-6050 E.-.t 38 or 1 (800) 4274NFC) FAX m (412) 437 =118 Tableland services Inc. 131 North Canter Avenue Somerset PA 16501 (814) ors =628 FAX # (814) 443 3690 F9aacuaosverrnraREMOS C.? INOT 10 Consumer Credit Counseling Service Man-Valley Unemployed Committee of Western Pennsylvania, Inc. 120 E. 9th Avenue 1 North Cate Square Homestead, PA 15120 2 Garden Center Drive (412) 462-9962 Greensburg, PA 15601 FOREST COUNTY Warren-Forrest Counties Economic Opportunity Council 204 Liberty Street Post Office Sax 547 Warren, PA 16365 (814) 726-2400 FAX ,°. (814) 723-0510 FRANKLIN COUNTY Financial Services Unlimited Consumer Credit Counseling Service 117 West 3rd Street of Western Pennsyivania. Inc. Waynesboro, PA 17268 912 South Geore_e Street (717) 762-3285 York, PA 17403 YWCA of Carlisle American Red Crass - Hanover Chapter 301 G Street 524 Canisie Street Canisie. AP 17013 Hanover. PA 17331 (717)243-:818 (717)631 :766 FAX # (717) 243-3948 FAX m (717) 637-3294 FULTON COUNTY Eedfard-Fuitan Housina Services Consumer Credit Caunsedna Service R.D. 1, Box 384 of Western Pennsvivania. Inc. Everett PA 15537 912 South Georc_e Street (814) 623-9129 York, P,4 17403 FAX (814) 62-7187 Financial Services Unlimited 117 West 3rd Street Wavnesboro, PA 17268 (717) 762-3285 GRE=CIE COUNTY Action Housing, Inc. Communitv A&=n Southwestern Number Two Gateway Center "? West Hiah Street 9th Faor Waynesburg, P,4 1°370 Pittsburgh, PA 157") (412) 852-2893 FAX m (412) 627-7 771 RMOL'\ST{1p[ UCFCNECO3MC I9 Crr II Man-Valley Unemployed Committee 120 E. 9th Avenue Homestead, PA 15120 (412) 462-9962 Consumer Credit Counseling Service of Western Pennsylvania, Inc. 1 North Gate Square 2 Garden Center Drive Greensburg, PA 15601 HUNTINGDON COUNTY Bedford-Fulton Hcusino_ Services R.D. 1, Eox 384 Everett PA 1!537 (814) 623-9129 FAX -1(814) 623-7167 Weathenzaticn Office 917 Mifflin Street Hundnadon. PA 166=2 (814) 643-2343 Consumer Credit Counselino Service of Westem Pennsylvania. Inc. 500-02 3rd Avenue Past Office Eax 278 Ouncansviile, PA (814) 696-3546 Consumer Credit Counselino Service of Western Pennsylvania. Inc. 1 North Gate Square 2 Garden Center Drive Greensburg, P.4 15501 Indiana County Community Action Prcaram 827 Water Street. Eax 187 Indiana. PA 15701 (412) 465-2657 FAX m (412) 46-E-5118 Keys-zone Ecanamic Development Corporation 1954 Mary Grace Lane Johnstown. F4 1E90 i (814) E3E-aEE5 FAX R (814) 539-1688 JEFFERSON COUNTY John F. Kennedy Canter, Inc. 2021 East 20th Street Er e, PA 16510 (814) 898-0400 FAX-, (814) 898-1243 Indiana County Community Acton Prccram 827 Water Street. Eax 187 Indiana. P.4 15701 (412) 46E-2697 FAX (412) 465-511 a Consumer C. edit Counselina Service of Western Pennsylvania. Inc. YMCA 8uiidina '39 North Washington Street Butler. PA 16001 (412) 282-7812 F.'M0=TrCFII(1LSCFOREC.OSAC7 LNOT I? JUANITA COUNTY Consumer Credit Counseling Service Weatheriz2don Office of Western Pennsylvania, Inc. 917 Mifflin Street 800-02 3rd Avenue Huntingdon, PA 16662 Past Office Box 278 (814 643-2243 Ouncansville, PA (814) 696-3846 LACKAWANNA COUNTY Consumer Credit Counseling Service Consumer Credit Counselina Servica of Northeastern Pennsyivania, Inc. of Northeastern Pennsylvania. Inc. Human Services Building 31 W. Market Street 841 Wyoming Avenue Wilkes-Barre, PA 18702 Box 168 (717) 821-0837 or (800) 922-9837 Scranton, PA 18801 FAX (717) 821-1785 (717) 342-1072 or (800) 922-9537 FAX (717) 342-6040 LANCASTER COUNTY La Casa Del Pueblo Consumer Credit Counselina Service 815 W. Baltimore Pike of western Pennsyivania, Inc. Kennett Scuare, PA 19348 912 South Geora_e Street (215) 444-3731 York. PA 17403 FAX (215) 4443178 Consumer Credit Counseling Service Tabor Community Services. Inc. of Lehigh Valley 439 E. Kino Street 3671 Crescent Court Lancaster. PA 17602 E=st Whitehail, PA 18082 (717):397-5182 or (800) 788-5-362 (Homeowners only) FAX (717) 399-3127 LAWRENCE COUNTY Consumer Credit Counseling Service Shenaao Valley Urban League. Inc. of Wes' am Pennsylvania. Inc. 601 Indiana Avenue 1st Federal Plaza. Suite 406 Farreil. PA 161121 North Mill Street (a12) 981-5310 New Castle, PA 16101 P"D0=Zr 6P=UCF06E=ZA=12 0T 13 LEBANON COUNTY Economic Opportunity Cabinet Tabor Community Services, Inc. of Schuylkill County 439 E fling Street 118 Norweigian Street Lancaster, PA 17602 Pottsville, PA 17901 (717) 397-5182 or (800) 788-5062 (717) 622-1995 (Homeowners only) FAX (717) 622-0429 FAX (717) 399-4127 LEHIGH COUNTY Consumer Credit Counseling Service Economic Oppoitunity Cabinet of of Lehigh Valley Schuylkill County 11671 Crescent Court East 118 Norwelaian Street Whitehall, PA 1805 Pottsville, PA 17901 (215) 821-4011 or (800) 220-2733 (717) 62-199e (717) and (814) ONLY FAX (717) 622-0429 FAX (215) 821-0127 LUZERNE COUNTY Cammission an Economics Opportunity Consumer C. edit Counseling Service Of Luzeme County of nonhessrem Pennsylvania 211-2-1 3 South Main street Human Resources Euiidinc Wilkes-Earre. PA 16701 E,", Wyoming Avenue (717) 826-0510 or (800) 822-03E9 Eox 168 FAX (717) 829-166E Seaman, PA 18501 (cail before faxing) Scranton, PA 18501 (717) 4E5-4204 Hazeiton (717) 842-,072 or (800) 822-?537 FAX (7717) aE 5631 FAX (717) 342 3040 (call before hizing) (717) 8366-4090 Tunkhannoci< 31 W. Market Street Wilkes-?arre. PA. 18702 (717) 821-0827 or (800) 9-2-45-27 FAX (717) 821-1785 Economic Ooeartuni4v Cabinet of Schuvikiil County 118 Norweigian Street Pottsville. PA 17901 (717) 62-1905 FAX 9717) 622-0229 FMOC =-Cy MUCFOAEC GM=N0 14 LYCOMING COUNTY, Consumer Credit Counseling Service Lycaming-Clinton Counties of Northeastern Pennsylvania Commission for Community Action Human Services Building (STE=) 541 Wyoming Avenue 2138 Lincoln Street Box 168 P.O. Box 1328 Scranton, PA 18501 Williamsport PA 17703 (717) 342-1072 or (800) 422-9537 (717) 326-0587 FAX (717) 342-8040 FAX (717) 322-2197 31 W. Market Street Wilkes-Barre, PA 18702 (717) 821-0837 or (800) 922-9637 FAX (717) 821-1785 MCKEAN COUNTY John F. Kennedy Center, Inc. Northern Tier Community Action Corp. 2021 Esst 20th Street 135 W. Fourth Street Erie, PA 16610 Emporium, PA 16534 (814) 898-0400 (814) 486-1161 FAX (814) 898-1243 FAX (814) 486-3370 MONTGOMERY COUNTY Acnm Housing Corporation Eudaet Counseling Canter 846 North Broad Street 247 North Frth Street Philadelphia, PA 19130 Re=ding, PA 19601 (215) 765-1221 (215) 375-7866 FAX (216) 766-1427 FAX (215) 376-6575 AM Credit Counseling Institute Community Action 154 Esst Dekaib Pike. Suite 100 Development Commission Kina of Prussia. PA 19406 113 Esst Main Street (610) 364-9922 Norristown, PA 19401 (216) 2-11-0363 FAX (215) 27( _122 Consumer Credit Coun=_elinc Service of Delaware County 1211 Chestnut Street. Suite 400 Media Fellowshio House Philadelphia. PA 19107 302 S. Jac4son Street (215) 563-5666 Media. PA 1°063 Fax (215) 864-26666 (215) E554846 La Casa Del Pueblo Fhiiadelohia Counsel for 815 W. Baltimore Pike Community Advancement Kennett Square, PA 19348 100 North 17th Street. Suite 600 (216) 444-3731 Phiiadelohia, PA 19103 FAX (215) 4A 4 3178 (215) 557-7803 FAX (215) 963-0-941 F?Moc:={'.PI19i]=QO MoMcm Nar 15 MONTOUR COUNTY Consumer Credit Counseling Service of Northeastern Pennsylvania Human Services Building 541 Wyoming Avenue Sox 168 Scranton, PA 18501 (717) 342-1072 or (800) 921-9537 FAX (717) 3423040 Consumer Credit Counseling Service of Northeastern Pennsylvania Human Services Building 31 W. Market Street Wilkes-Barre, PA 18702 (717) 821-0837 or (800) 922-9537 FAX (717) 821-1785 NORTHAMPTON COUNTY Consumer Credit Counseiina_ Service of Lehigh Valley 3671 Crescent Court E--s-, Whitehall, PA 18052 (215) 821-4011 or (800) 220-2733 (717) and (814) ONLY FAX (215) 821-0137 Consumer Credit Counseiina Service of Northe=stem Pennsylvania Human Services Building 541 Wyoming Avenue Box 168 Scranton, PA 16501 (717) 342-1082 or (800) 922-9537 FAX (717) 242-3040 NORTHUMBERLAND COUNTY Consumer C,-edit Ceunseiina :service of Nonhe_stem Pennsylvania Human Services Euiidina_ 31 W. Market Street Wickes-Barre. PA 18702 (717) 821-0837 or (800) 922-9537 FAX (71. 7) 821-1785 E_anomic Opportunity Cabinet of Scauvikiil County 118 Norwegian street Pottsville. P.4 17901 (717) 622-1995 FAX (717) 622-0429 ¦!DOC:ISftWB{]CF9PE60AACr91 V9r 16 PERRY Lt]UNTr Consumer Credit Counseling Service Weather¢atlon Office of Western Pennsylvania, Inc. 917 Mifflin Street 2000 Unglestown Road Huntingdon, PA 166662 Harrisburg, PA 17102 .(814) 643-2343 (717) 541-1767 YMCA of Carlisle Financial Services Unlimited 301 G. Street 117 West 3rd Street Carlisle, PA 17013 Waynesboro, PA 17268 (717) 243-3818 (717) 762-3285 FAX (717) 243-3948 Urban League of Metropolitan Harrisburg 25 n. Front Street Harrisburg, PA 17101 (717) 234-5925 FAX (717) 232-4985 PHILADELPHIA COUNTY Acorn Housing Corporation Housing Asscciadan of Delaware Valley 846 north broad Street 1314 Chestnut Street. Rocco 900 Philadelphia. PA 19130 Philadelphia. PA 19107 (215) 765-1221 (215) 545-6010 FAX (215) 765-1427 FAX (215) 790-9132 AM C. edit Counseling institute 658 North Warts Street 144 East Dekaib Pike. Suite 100 Philadelphia. PA 19123 IGna of Prussia. PA 19406 (215) 978-0224 (610) 254-9922 FAX (215) 765-7614 Centro Pedro Claver Media Fellowship House 35E65 North 7th Street 302 S. Jackson Street Philadelphia. PA 19140 Media. PA 19063 (215) 227-7111 (610) 565-0846 FAX (215) 227-7117 Phiiadelohia Council for Consumer Credit Caunseiina Servics Community Advancement or Delaware Valley 100 North 17th Street. Suite 600 1211 Chestnut Street. Suite 400 Philadelphia. P,4 19103 Philadelphia. PA 19107 (215)6 67q803 (215j e03 5606 FAX (215) 96-14-041 FAX (215) 864-2666 Urban League of Phiiadelphia Hispanic Association or Contractors 251-3 Scuth 24th Street 8 E.gterprises Philadelphia. PA 1910:-5529 2921-27 North 5th Street (21S) 731-4100 Philadelphia. PA 19133 FAX (215) 731-4112 (215) 426-8025 FAX (215) 426-8027 PIKE COUNTY Consumer Credit Counselina Service Consumer Credit Counseling Service of Northeastern Pennsylvania of Northeastern Pennsylvania Human Services Building 31 W. Market Street 541 Wyoming Avenue Wilkes-Barre, PA 18702 Box 168 (717) 621-0837 or (800) 92-9537 Sc:onton, PA 18501 FAX (717) 821-1785 (717) 342-1072 or (800) 92-9537 FAX (717) 342-8040 POTTER COUNTY Northern Tier Community Action Corp. 125 W. Fourth Street Ernparium, PA 15834 (814) 486-1161 FAX (814) 486-3370 SCHUYLKILL COUNTY Eudaet Counseling Canter Economic Cooortuniiv Cabinet 247 Nar[h Fitts Street of Schuvlkiil County Re=_dina PA 19601 118 Norwegian Street (215) 375-7866 Pcrtsviile. P,4 17901 FAX (215) 376-6575 (717) 6_ 1995 FAX 9717) 622-0429 Ccnmiss;on an Economic Opportunity of Luzeme County 211-213 South Main Street Wilkes-Barre, PA 18701 (717) 826-0510 or (800) 82-0359 FAX (717) 829-1665 call before fxina (717) d55-1994 Haze!tcn FAX (717) 455-5631 =11 before faxing (717) 836-1090 Tunkhannock SNYOERCOUNTY Consumer Credit Counseling Service of Western Pennsylvania. Inc. 2000 L naie_town Road Harrisburg, PA 17102 (7177) 541-1757 P'mC'l+ TdWH42CFUAECOSNC91.NQi ) S SOMERSET COUNTY Bedford-Fulton Housing Services • Keystone Economic Oevelopment Corp. R.D. 1, Sax 384 1954 Mary Grace Lane Everett, PA 15537 Johnstown, PA 15901 (814) 623-9129 (814) 535-6550- FAX (814) 623-7187 FAX (814) 539-1688 Consumer Credit Ccunseling Service Tableland Services, Inc. Of Westem Pennsylvania, Inc. 131 North Center Avenue 1 North Cate Square Somerset, PA 15501 2 Garden Canter Orive (814) 445-9628 Greensburg, PA 15501 FAX (814) 443-3690 SULLIVAN COUNTY Consumer Credit Ccunseling Service German Street of Northeasiern Pennsylvania P.O. Box 389 Human Services Building Oushore, PA 18614 541 Wyoming Avenue (717) 928-9668 Sox 168 Scantan, PA 18501 (717) 342-1072 or (800) 922-9537 His Maiesty Feilowshio Church FAX (717) 342--3040 207 Fenn Ave., P.O. Sox 104 Athens. PA 18810 (Wed.-F-n.) (717) 888-0024 31 W. Market Street Wickes-Barre, PA 18702 (717) 821-0837 or (800) 922-9537 17 C,afton Street FAX (717) 821-1785 Wellsboro, PA 16901 (717) 724-5252 The Trehab Center of Norrheastem Pennsylvania 602 Y= Church Street 7 Lake Avenue P.O. Box 97 Sox 339 Hamesdale. PA 18<1 Montrose, PA 18801 (717) 258-1987 (717) 278-3338 or (800) 982-1045 FAX (717) 278-1889 103 Warren Street P.O. Sax 709 185 Emir Street Tunkhannock. PA 18657 P.O. Sax 218 (717) 836-6840 Tray, PA 16947 (717) 297-2101 r:?noa?rrrsveucsane¢osnc9?,rvnr 19 SUSQUEHANNA COUNTY Consumer Credit Counseling Service of Northeastern Pennsylvania Human Services Building 541 Wyoming Avenue Box 168 Sc,anton, PA 18E01 (717) 342-1072 or (800)92-9537 FAX (717) 342-8040 31 W. Market Street Wilkes-Barre, PA 18702 (717) 821-0837 or (600) 922-C-537 FAX (717) 821-1785 The Trehab Center of Northe=s:em Pennsylvania 7 lake Avenue Box 339 Montrose. PA 18801 (717) 278-3338 or (800) 9"02=045 F.AX (717) 278-1889 185 Emir. Street P.O. box 218 Tray, PA 16947 Garman Street P.O. Box 389 Oushore, PA 18614 (717) 928-9668 His Majesty Fellowshio Church 207 Penn Ave. P.O. Box 104 Athens, PA 188!0 (Wed.-F'1.) (717) 888-6024 17 Craftan Street Wellsbaro. PA 16901 (717)724-52°2 602% Church Street P.O. Eax 97 Homesdale, PA. 16431 (717) 636-5840 103 Warren Street P.O. Sax 709 Tunkhannock, PA 186=7 F'DOC15T-CFUBLSCSOIlEQA3?AC91NOT 10 TIOGA COUNTY Consumer Credit Counseling Service of Northeastern Pennsylvania Human Services Building 541 Wyoming Avenue Box 168 Scranton, PA 18501 (717) 342-1072 or(800)922-9637 FAX(717)342-8040 185 Emira Street P.O. box 218 Tray, PA 16947 Cennan Street P.O. Box 389 Oushore, PA 18614 (717) 926-9568 31 W. Market Street Wickes-Barre, PA 18702 (717) 821-0837 or (800) 922-9537 FAX (717) 821-1765 The Trehab Center of Noriheastem Pennsylvania 7 Lake Avenue Box 339 Montrose. PA 16801 (717) 278-3338 or (800) 982-1045 FAX (717) 278-1889 His Majesty Fellowship Church 207 Penn Ave. P.O. Box 104 Athens. PA 18810 (Wed.-Fri.) (717) 888-6024 17 Crafton Street Welisboro. PA 16901 (717) 724-5252 6021- Church Street P.O. Box 97 Homesdale, PA 18431 (717) 836-6840 103 Warren Street P.O. Box 709 wrikhannock. PA 18657 Lycaminc-Clinton Counties Commission for Community Acnon (STEP) 2138 Lncoln Street P.O. Box 1328 Williamsport. PA 1 i 03 (71 7) 022-2219/ UNION COUNTY Consumer Credit Counsefcno Service of Western Pennsyivania, Inc. 500-02 3rd Avenue Post Office box 278 Ounc3nsviiie, PA (814) 696-3546 "Docswr{`MUCFOU, M%MVINOT 21 VENANGO COUNTY Greater Erie Community Warren-Forrest Counties Economic Action Committee Opportunity Council 18 Was, 9th Street 1209 Pennsylvania Avenue, West P.O. Eox 547 E-ie, PA 16601 Warren, PA 16365 (814)4S9-4581 (814) 726-2400 FAX (814) 4566-0161 FAX (814) 722-0510 Greater Erie Community Action Committee 18 West 9th Street Ere, PA 16501 (814) 459-1581 FAX 9814) 466-0161 WASHINGTON COUNTY Action Housing, Inc. Housing Oooartunities. Inc. Number Two Gate:+rav Center 133 Seventh Street 9th Fiaar McKesscart. FA 15122 Pittsburgh, PA. 15222 (412) 664 ;590 (412) 391-1956 FAX (412) E64-0872 Cgmmunrty Action Southwest Man-Valley Unemployed Committee 22 West High Street 120 9th Avenue Waynesburg, PA 15370 Hcmesteaa. PA 15120 (412)852-2893 (412)x62-9962 Consumer Credit Counseiina SerAce or Western Pennsylvania, Inc. 1 North Gate Square 2 .Garden Center Drive C-reensburo, PA 15601 11 FeM0r- -C,% =CTQRXCL() 9 B0T WAYNE COUNTY Consumer Credit Counseling Service of Northeastern Pennsylvania Human Services Building 541 Wyoming Avenue Box 168 Scranton, PA 18501 (717) 342-1072 or (800)922-9537 FAX (717) 342-8040 31 W. Market Street Wilkes-Sore, PA 18702 (717) 821-0837 or (800) 922-9537 FAX (717) 821-1785 The Trehac Center of Northeastern Pennsylvania 7 Lake Avenue Box 339 Montrose, PA 18801 (717) 278-3338 or (600) 982045 FAX (717) 278-1889 185 Emira Street P.O. box 218 Troy, PA 16947 (717) 297-2101 German Street P.O. Box 389 Dushore, PA 18614 (717) 928-9668 His Majesty FeBawship Church 207 Penn Ave. P.O. Box 104 Athens, PA 16810 (Wed.-Fri.) (717) 888-6024 17 C don Street Wellsboro, PA 16801 (717) 724-5252 602% Church Street P.O. Box 97 Homesdale, PA 18431 (717) 836-6840 103 Warren Street P.O. Box 709 Tunkhannock,PA 18657 (717) 836?840 F.wom:-cmmunroncans =I. Nm 23 WESTMORELAND COUNTY Action Housing, Inc. Number Two Gateway Center 9th Ficor Pittsburgh, PA 15222 (412) 391-1956 Indiana County Community Aeon Program 827 Water Street Box 187 Indiana, PA 15701 (412) 465-26577 FAX (412) 465-5118 Community Action Southwest 22 West High Street Waynesburg, PA 15370 (412) 852-2893 Consumer Credit Counselina Service of Western Pennsylvania, Inc. 1 North Gate Square 2 Carden Center Drive Greensburg, PA 15601 Housing Opportunities, Inc. 123 Seventv Streer McXeesuom PA 15132 (4-.2)65 4-1550 FA.X (412) 664-0873 Keystone Economic Oeve!cpment Corp. 1954 Mary Grace Lane Johnstown, PA 15901 (814) 535-6556 FAX (814) 539-1688 Man-Valley Unemoicyed Committee 120 E. 9th Avenue Homestead, PA 15120 (a12)A62-9962 Tabie!and Services. Inc. 131 North Center Avenue Somerset PA 15501 (814) A45-9628 FAX (814)443-:'690 WYOMING COUNTY Consumer Credit Counseling Service of Northeastern Pennsylvania Human Services Building 541 Wyoming Avenue Box 168 Scranton, PA 18501 (717) 342-1072 or(800)922-9537 FAX (717) 342-8040 31 W. Market Street Wilkes-Bare, PA 18702 (717) 821-0837 or (800) 922-9537 FAX (717) 821-1785 The Trehab Center of Northeastern Pennsylvania 7 Lake Avenue Box 339 Montrose. PA 18801 (717) 278-3338 or (800) 9823045 FAX (717) 278-1889 185 Emirs Street P.O. box 218 Troy, PA 16947 (!17)821-1785 German Street P.O. Box 389 DUShare, PA 18614 (717) 928-9668 His Majesty Fellowship Church 207 Penn Ave. P.O. Box 104 Athens, PA 18810 (Wed.-Fri.) (717) 888-6024 17 Crtton Street Wellsbcro, PA 16901 (717) 724-5252 Commission on Economics Opportunity of Luzeme County 211-213 South Main Street Wilkes-Barre, PA 18701 (717) 826-0510 or (800) 822-0359 FAX (717) 829-16'05 call before faxing (717) 4553994 Hazeiton FAX (717) 455-3631 call before faxing (717) 836-4090 Tunkhannack 602 '/: Church Street P.O. Box 97 Homesdale, PA 18431 X717) 836-6840 103 Warren Street P.O. Box 709 Tunkhannack, PA 18667 (7177) 836-6840 FADOCS=-C.nm uLVORE n. c.-91lI 25 American Red Cross - Hanover Chapter 529 Carlisle Street Hanover, PA 17331 (717) 637-3768 FAX (717) 637-3294 Consumer Credit Caunseling Service of Western Pennsylvania, Inc. 2000 Unglestown Road Harrisburg, PA 17102 (717) 541-1757 YORK CbUi fY Housing Council of York 116 North George Street York, PA 17401 (717) 854-1541 FAX (717) 845-7934 26 JUN-08-1999 16 05 CAPLAN & LUBER 610 640 9865 p.09,09 VERIFICATION I Melissa Watkins, Litigation Specialist, hereby certify that I am an agent for Plaintiff and an authorized to make this verification on its behalf I verify that the facts and statements set forth in the foregoing Complaint in Mortgage Foreclosure are true and correct to the best of my knowledge, information and belief. This Verification is made subject to the penalties of IS Pa. C.S. § 4904 relating to unworn falsification to authorities. Dare: - -f' 9 R:1DOt;??1lITIMRR!YW],g.IDQA?MR,TDp? ? ?,1 ? ? ? Name: Melissa Watkins Title: Litigation Specialist TOTAL P.09 REnrl1!^D Auc 19 ! 14o A}! '99 -V Z" VIIM1) SMN3d .1-( ,I..,,,a 66, 41 S? 6 91 SOV A.h. 'JAq;) ddiuBAS 3111 dU 31IJ30 THE BANK OF NEW YORK AS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT DATED AS OF FEBRUARY 29, 1996, SERIES 1994-A, Plaintiff V. DERK E. ROBERTS, JANET L. ROBERTS and KIMBERLY A. ROBERTS f/k/a: KIMBERLY A. BARRETT, Defendants IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 99-4410 CIVIL TERM ORDER OF COURT AND NOW, this 22nd day of October, 2002, it appearing that docket activity has occurred recently in the above-captioned case, and there being no objection presented in open court, the case is stricken from the purge list, and shall remain active. Axel A. Sheild, II, Esquire For the Plaintiff Derk E. Roberts Janet L. Roberts 1 Kimberly A. Roberts 13 West Pine Street Mt. Holly Springs, PA 17065 Defendants Court Administrator wcy C _ I I - ? D -Q o? ?5L By the Court,