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HomeMy WebLinkAbout99-06834a 0 d s s v i t c4- o I ?I iMATTLENIAN, \YEINROTH & MILLER BY: SHARON ORAS '\1012CA\, I?SQIIIRI: Attorney ID 460065 Suite 2226, Land Title Building Broad R Chestnut Streets Philadelphia, PA 191 10 (315) 923-2225 CHASE \-IOR,rGAGE COMPANY C'/O \\'111TE MOUNTAINS P/K/A SOURCE ON[' MORTGAGE SERVICES CORPORATION vs. Plaintiff TIMOTHY D. FREEMAN I 1 I BUNGALOW ROAD E\OLA, PA 17025 COLiRT OP COMMON PLEAS ClAlBERLAND COUNT)' No. C/ 1 - 0 3 ?Ul t-? CIVIL ACTION MORTGAGE FORECLOSME COMPLAINT Defendant 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 a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU 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 - CUMBERLAND COUNTY CARLISLE, PA 17013- 717-240-6200 cia NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICES ACT ********************************************##* *****#**************#** 1. This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 2. Unless you dispute the validity of this debt, or any portion thereof, within 30 days after receipt of this notice, the debt will be assumed to be valid by our offices. 3. If you notify our offices in writing within 30 days of receipt of this notice that the debt, or any portion thereof, is disputed, our offices will provide you with verification of the debt or copy of the Judgment against you, and a copy of such verification or judgment will be mailed to you by our offices. CIA"fTLEMAN, \UEINROTI f &' \IILLE1UIRli BY: S1IARON ORAS MORGAN. GSQ Attorney IDI/ 60065 Suite 2226, Land'litle Builditro Broad R Chestnut Streets Philadelphia, PA 19110 (215) 923-2225 CIIr\SC N'IORTGAGE CONM ANY C/O \I'F1lTE MOUNTAINS F/K/A SOURCE ONE ?'IOIZTGAGE SERVICES CORPORATION 27555 FARN/INGTON ROAD FARMINGTON I-IILLS• ivll 48019 Plaintiff VS. TIMOTI-1Y D. FREEMAN I I I BUNGALOW ROAD ENOLA, PA 17025 Defendant COUROF COMMON PLEAS CU,,113ERLAND C'OUNTI' C1V111 ACTION MORTGAGE FORECLOSURLCOMPLAINT L-e . Chase ?lort?age Company c/o Whiteclounwins f/k/a Source One \lort= 1 t_ Services Corporation (hereinafter referred to as "Plaintiff") is E0,,lortgage Corporation, conducting business under the laws of the Commonwealth of Pennsyh ania and brill-as this action to foreclose in the \lortgage executed bet,,Veen Tunothy D. Freeman. mortgagor hereinafter referred to as "Defendant" and Source One Ma?tgage Services Corporation. Said \lortgage is 1997 and was recorded in the office of the Recorder of Deeds and \?lortgages dated October 31• 141!ta=•e957. in Cumberland County, Pennsylvania on November 5, 1997 in %lort_a_e Book • I Said A cop}' of the Mortgage is attached hereto and made a part hereof as Exhibit "A". %1ort_a c is being asst„ned to Planmlf by way or assi<nntcnt to be recorded. Plaintiff is the ,„ proper party plaintifPhercin by way ofassigmment to be recorded. 2. The ?lorhage secures Defendant's Note dated October.; I, 1997 in the amount of SS0,340.00 payable to Plaimifl'in nnonthly installments with an interest rate oI's 006 A copy of the Nbte is attached hereto and made a part hereol'as Exhibit -'B". 3. The land subject to the mortgage is: I 1113ungalow Road, E nola. PA 17024;. A copy of the legal description is attached hereto and incorporated by reference. 4. -Fite Defendant, Timothy D. Freeman is the Real Owner of the land subject to the morum.-c. 'file Derendant's mailing address is I I I Bungalow Road, Enola, PA 17025. 5. The Nforigage is now in default due to the failure of the Delendant to make payments as they became clue and owing. 'f'ile following amounts are due: Principal Balance S 79,5=41.67 Escrow Deficiency S 1,490.10 Interest Calculated to 10/30/99 S 7,9;941 Late Charges S 370.66 Property Inspection Fees S 49.00 Appraisal S 300.00 Bankruptcy Attorney Fees and Costs S 875.00 Attorney Fees S 1,992.08 Total S 94,577.92 Phis interest from 10/31/99 at 517.50 per day, costs ofsuit and attorney fees. 6. In accordance with the provision of the Act of January 30, 197-4. P.L. 13 No. 6, Section 403 (11 P.S. 403), a Notice of Intention to Foreclose k1ortuage is not required in slid proceeding as the bona fide consideration is in excess of S50,000.00. A Notice of Homeowners' Emergency N,Iortga,,e Assistance was sent to the defendant by regularand certified mail on 9/9/99. A copy of the Notice is attached hereto and made a part hereol'as EXhiblt "C". The Defendant has not cured the default. WIIGREFORE, Plaintiffrequests the court enter.lud" ment in \mrrtgage foreclosure for the sale of the mortgage property in Plaintill's favor and against the Defendant, in the sum of 594,877.92 together with interest from 10/ 11/99 at $17.50 per day, costs o f'suit and attorney fees. NIATTL6\IAN, WEINROTH fi MILLER 13Y: in Sharon Oras N9 organ. 1-sqt c "60068 291/52848 VERIFTWTON Joan Carlton;. states that she is the Assistant Vice Prenldent of Source One Mortgage Services Corporation n/k/a White Mountains, nerVWUUn agent for Chase Mortgage Company, P.iai.ntiff herein; that she in nequa kited with the facts set forth in the roregoing complaint; that the name are We and correct to the bent of her knowledge, information and belief; and that this statement is made subject to the penalties of 18 Pa.C.S. section 4904 relating to the un.sworn falsification to authorities. i" 1 •, t SoaII/Carltott - Ass3btant Vice President E' PEPARED By' R BONE WHEN RECORDED RETURN TO: I SOURCE ONE MORTGAGE SERVICES CORPORATION 27555 FARMINGTON ROAD FARMINGTON HILLS, MI 48334-3314 ^v°Eni ". ZIf iLLF. 11i:Pei)E? 0, DEEDS '9711011.5 Pf9 2 39 RESIDENTIAL POST CLOSING (31-002) IMpa<e Alnvc'fhisline for Recording 1111 (•Dormwcr'). This Security Inslmmcntis given to SOURCE ONE MORTGAGE SERVICES CORPORATION and whose which is organized and existing under the laws of DELAWARE address is27555 FARMINGTON ROAD Lcndcr"). Borrower owes Lender the principal slon n( FARMINGTON HILLS, MI 48334-3314 EIGHTY THOUSAND THREE HUNDRED FORTY AND 110/100 Dollars (U.S.S 80,340.00 ).'This debt is evidenced by Burroweisnnte dated the same talc as this Security Instrument ('Note'), which pmvido for monthly paymcnLS, with the full debt, if not paid Radice due and payable ht 2027 . This Security Instrument secures to Lender. (u) the repayment of the tall NOVEMBER 152, evidenced by the Note, with interest, and nil tcnewnls, cxtcasiorts and malificalions of [tic Note; (h) the payment of all ulna sums, with interest, advancul under paragraph 7 to Protect the seeurity of this Scantily Itu e Note.; aFor nd (c) til s Sec the performance of Borrower's covenants nand convey to Lendlcr tileArfollowinguducribcd propertyloeatcd tin and purpose, Borrower docN herchy monguge, grant CUMBERLAND County, Pennsylvania: ` •r SEE ATTACHED ILEGAL'OESCRI P TION 0 1 v [sure e which has the address o(111 fiDNGACI P0. ENCId Pro nY Address ); 1= Pennsylvania 17025-2313 ! (• fK _ KU2A0 36.109 I I1 ?_ F•mdyFNM4/RILMC UNIF9RMINSTpUMEM IIIIIIIIIIIIIIIIIIII?IIIIIIIII IIIIIIIIIIIIIIIIIIIIIII IIIIIIIIIIIIII IIIIIIIIIIIIIIIIIi lZip"Zel foL"C NI (^pj9VIPA) nrln Am.nJ.d 1 9191 vosanmm[IOPA?s•rn'd9.1. e,M'I?pIDr]p ?y. v InieaKJ_7/j. . ••????^, nnnvi Al -lPer,r .957 yy OCTOBER 31ST, 1997 Iro mortgagor Is III O FROEEMATP,A A SIUGLE c PEB SON?tmment') is given on TIMOTHY T,,MTZTC ACE i ? 1 Y r I 1 ' I G t .wig: , 4 t 7r •t I '? First Anwican Title Insurance Company _ Cununilnient No. 426236 SCIICDULF C ALL TINT CESTAIN piece or parcel of laml attlmto In rant 1'r nnnbn rn TovnahlP. Cunherland County, Pennsylvania, known and mmbnrel ae Lot 1143.6 on . reaulall V1.1 on Plan of Lots known as "Shady Lane" by Gerrit J. Bolts Aau,cletea. Ore., and re<anlml In Plan Book 47, Page 59, In the Offlcn of the nnrordor of Peedn• hulnlded and described an 'follows, to vitt DMI11NING at a point on the southern right-.fway lion or Ilungnlnw flood, which point Is In the northeast corner of tart Ila. 5 on afuresnid plan; thence north 76 degrees 30 minutes 10 aeconds east nl,,n4 the aauthorn rlKht-of-way line or Pungnlov Road a distance of 16.00 feat, Burn or Inns, to n palntl thenc. ..111th 44 I,P.rcco 15' minutes 00 second. east, a dlatnnen of 119.15 reel, faire far lean, to a point; thence south 45 degrees 45 minutes 00 swamis vnnt, . dl.loon of A9.64 feet, sure or lees, to a point, vhleh In the southeast corner or Lot. No. 5 on the nfurannld plan; thence north 13 degrees 29 minutes 50 aeennd, vent along tha enote.rn 1111. uf.aald I,ot Ila. 5s a distance of 140.40 feet, morn or Iran, to . pulnt no life .....them right-of-way line of Auagalov Road, the place of IIIDIIINIIAl. C011TAInING 6,536 d7unre feet, morn or Inns. HAVING thereon erected a dwelling known and .wahered an 111 Dungnlov (load. ` I 1 r.;u!i4tpl 6t 963 4 II ' l t 1 S- t ? ' t _ 1 1 a a y - TOGETHER wIT I all the 'ilnp.mvcmcnls now or hereafter erected On the pmjtarty, and all casements, now by lhie omccsy and i mrnt. All of ,, hereafter a part of tile I'm it Placc file rate oiug is r Ibned is in dli.+' Seenrity luount enha? Il etj Property*b be covered In BORROWER COVENANTS That BBrrow<r is lawfully scisee of the estate hereby conveyed and has the(ghtmrd. y e Property is unencumbcred, lexce a nis mortgage, grant and cony< the Property and that th for encnmbmnccs orri c Borrower warrants laid will e<fenJ gme the title to the Properly againsLail claims and demands, suhject to any 'lly Cncumbrancesof record., I ' THIS SECURITY INSTRUMENT combines uniform covenants for nation:) use rind non-uniform cnvenanLS with coveri limited UNIFORM COVENANTS ?Bonowertm,i Lcndcr covenant and agrco as follows: g property pay 1. Payment of I'rlnclpnl and Interest; Prepayment and Late Charges. Bonowcr shall promptly tinder [ when e. and an preayment and late c est nci on the the p2. Fitnds for Taxes and lns<aranceSubject to applicable law or to a wntan waiver by LenJcr Borrower shall pay Y payments t h) earl I= the Note, until tile Note is paid in , a sum (?Funuls") for: (a) an th y<arlyttazec and tlaue4menlls which may attain priority over this Security lnstrumentas a lien) on the Prortty' yc y leasehold payments or ground rents on the Property, if any; (c) yearly ha'rarif or yproperty insurance Premiums; (tap yearly Bowl insurance prcmiums,if any: (e) yeudymnrlguge insurance premiums, if an;and(f)a^Ymarec Bonowcr S, in lieu of the payment of mortgage Insurance apmiums. I the to lender, in accoremtce with the provnuons of ,MY; mnxirrllum amrntniln Icnd r foWnafed<mlly rcllmedamongugo lBm may rcquvetforl f)omowtcr stcscmw n<count under the ,. seq. federal Real mks nnollurlnwlllm orplies to theF mJset adess<rfamounrL lfsoanLendcr may et any timeo lllect and sor current Jetatnnd reasonable tsumal<snflnzpcndhuns of (ul ?m Fscrowhtetms ar mherwise ina cordon ewith appl cable law. Tim Funds shall he hde in on institution whose <lsposits arc insured by n lateral agency, imtmmcntalily, or entity _ its e ptuyltla' Iscrnweltemli'-.?LenJer may not hargcnOnrrower for holding mJ u ply0g the the Fu^nlnu^Ilytip III Bi In Bit llowcv<rl Lendertmay require `Boniuver to pay a one-time chargebror an or vcnryi the t CsCmw erm Lender , to But e such aach'Crowarge.itcull abs Lnt realtoo ate tax reportingserviceusedby Lender in connection with thisloan, unless applicable] ow provides ntherwrsc.Unless taagreement is made or applicable law requires interest to be paid, Lender shall not he requirul to pay Bonower any intacst or comings on the Feuds. Bormwcr and Lender may agree in writing, however, that interest shat be paid on the Funds. Lendershall give to Borrower. without charge, an annual acronntinF of the Funds, showing credits and J<biis to the Funds and the purpose for which each debit to the Funds was made. The Funds are pledgee as additional security, for all sums secured by this Security Instrument. Lender exceed the amounts permitted to he held by applicable law, Lcndcr shall account to Borrower e he rury'IremcnLS of applicable law. If the amount of the Funds held by if th for Funds the exec ess by LcnFundsaaccordance with t Lenderat far e xe not sufficient to pay the Escrow items whendue, Lender may so notify Ekmowcrm writing, Bad, in my time such case Bormwcr shall pay to Lender the amount necessary to make up the deficiency. Bormwcr shall make rip the deficiency in no mote than twelve monthly payments, at Lender's sole discretion. is Securit Instrument, Lendl,,hall Fundshcldby Lender. p Upon payment in Pull of ail am6mPmelt Lender shall aeyuircors sell the Prnpeny,lendeq priorutothe acquisition r sale of the Property, , shall apply any Funds held by Lender at the time acquisition or sale e, credit against t e sums secured by Ihis Seuuri ty Insinlmcnt. 3. Applicallan or payments. Unless applicable law provides otherwise, all payments second, to by Lender under Note- hnJ rpamgrj}rtln 2;IhitrJ, lointcpresl due; fourth to 6prepa last, oany late-harges due mJcrlhamounts e Note, payable Charges; 4tens. Bonnwer shall pay :dl tazcs, asswmcnts, charges, fines ampositions attributable to ah ^IJ payments or ground renLS, if - 4. nd i property wh ell may ullain priority over this Security Instrument, and leaseh hall anocr, Bur Lem on?Ime dt C to lbetio ;in owed p inner aym nl?onowcr shall prnntptlyffamish to Lendernall notices ofWmnunls - - to Iyie paid under (his paragraph. If Bonower makes Ihcu: paytnon directly, Burrower shall promptly famish to Larder ell receipts CA cticinglha paymcnls. Bormwcr shall pmmpdy discharge any lien which has priority over this Security instrument unless b) Bonowcr o t (a) Ener w 'ti to t gntrxl ru lb the lie n by or ddinds rib instlenforcem nl of tile l en in, legal procceJings ch in Lender, the L.cn ?er1 Opinion operate Ln prevent the enforcement of the lien; Or (c) secures from the honest atany the palienn o o rf the property issuadnt t to Lender subordinating the lien to this Securily Instrument. If lender determines IhB ng til lie et n. a over may IBurtovvcr shall)ti7l"Imin isCy the lien or Inko one nr more Bribe acnicut tion.cttforth above whin 10 days of thc a notice identifying tile lien. VOK1414FAGE 058 ra,,,,amo 9t9 '?,p.ovtPAl unn' I I ..,. , S. hazard or Property Iman..acc. Borrowershall keep the impro,cments.,ow existing or hereafter erected on the Property insured against boss by fire, hamols included within the term 'extended covemgc' unit any other ha/ands, including f76xLs or flooding, for which Lemler regnrres insumnce. 71ns insurance shall be maintained in the amounts and for file periods that Lender repaims. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lcndcr's approval which shot] not he unreasonably wiihhcld. If Borrower fails to maintain coverage described above. Lender may, at Lcnder's option, obtain coverage to protect Lendcr's rights in the Property in accordance with paragraph 7. All insurance Policies and renewals shall be acceptable to Leader and shall include a standard mortgage clause. Lendershall have the right to hold the policies and renewals. If lender requires, Borrower shall promptly give to Lender oil receipts of paid premiums and renewal notices. In the event of loss, Borrower shall give prompt notice to the insurance canicr and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower olhcnvise agree in writing, insurance procecdsshall he applied to restoration or repair or the Property damaged, if the nwtnralion or repair is economically feasible :rod Lender's security is not Iecsened. tribe, restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shah] hce apptiel to the sums searred by this Security Instrument, whether or not then due, with any excess paid to Borrower. If Borrower ahandons the Property, or does not answer within 30 days a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may collect the insurance pmcecds. Lender may use the proceeds to repair or restore the Property or to ray sums secured by this Security Instrument, whethcr or not then due.'rhe 30-day period will begin when the notice is given. Unless; Under and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or It postpone the Juedatc of the monthly PaXmeni s referred to in pamgmrbs I and 2 or change the amount of 10 payments. If peny is acymrcd by Lender, Borrower's nghl to any iruurance policies and proceeds resulting fro m damage In the Property pprior to the acquisition shop pats to Lender to the extent of the sums secured by [his under paragm Ph 21 the pro Security bistro .n mmcdmlely priorfotheacyuisitien. cllon; 6. Occupancy, PrrservnU in' llulnlenance and Prolecllon of the Property; Borrower's Loan APPlia Leaseholds. Borrower shall occuPy, esmbl" , and use the Property as Borrower's principal residence within sixty days after the execution of this Security Instrument and shall combat to occupy the Propeny as Borrower's principal residence for of Icast one year after the dote of occupancy, unless Lcndcr otherwise agrees in writing, which conscntshall not be unreasnnahly withheld, or unless exlenunling circumstances exist which ore Feyond Borrower's control. Borrower shall not destroy, damage or impair the Pro perty, allow the Pro Peny to deteriomtc, or commit waste on the Properly. Borrower shall be in default if any forfeiture action or Proceeding, whethcr civil o"'. inal, is on That in lender's good faith judgment could restdt in forfeiture of the properly or otherwise materially impair the lien created by this Security Instrument or Lender's security interest. Borrower may cure such a default and reinstate, as provided in paragraph 18, by causing the action or proceeding to be dismiswd with a ruling that, in Lender's good faith determination, precludes forfeiture of the Borrower's interest in the Property or other material impairment of the lien created by this Security Instrument or Lender's security interest. Borrower shall also be in default if Borrower, during the loan application process, gave materially false or inuemratc information or statements to Lender (or failed to provide Lender with nny material information) in connection with the loan evidenced by the Note, including, but not limited to. representations concerning Borrower's occupancy of the Property m a principal residence. If this Security Inslrumcm is on a leasehold, Bormwershall comply with all the provisions of the lease. If Borrower acquires fee title to [he Properly, the teasahohd and the fee line shal I not merge unless Lender agrees to the merger in writing. 7. Protection of Lender's Rights In the Property. If Borrower fails to perform the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lender's rights in the Property (.such w a proceeding in bankruptcy, probate, forcondemnntion or forfeiture or to enforce haws 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 diem which has priority over this Seonily Instrument, appearing in court, paying reasonable attorneys' leas and entering on the Property to make repairs. Although Lender may lul:c action under this paragraph 7, Lender does not have to do so. Any amt mtc d'shuned by Lender under this paragraph 7 shall become additional debt of Borrowersccured by Ibis Security Instr Imcnl. Unless Borrower and Lender agree to other terms of payment, these amounts shat] bear interest from the date ddishumcmcnt at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting p I mcnt. 8, ]tort age Insurance. If tender reluired mortgage insurance as a condition of making the loan secured by this Security Inslmmcnt, Borrower shall pay the premiums required to maintain the mortgage insurance in effect. Lr, for any reason, the mortgage insurance coverage squired by Lender lapses or ceases to be in effect, Borrower shall pay the premiums required to obtain coverage subsdanlialhy equivalent to the mortgage insurance previously in effect, at a not substantially equivalent In the cost to Borrower of the mortgage insurance previnashy to effccl, from an uItemaic mortgage insurer approved by Leader. If substantially cquivalcnt mortgage insurance covemgc is not available, Borrower shall pay to lender each month a sum equal to one-twed(th or the yearly mortgage insurance premium being paid by Borrower when the insurance coverage lapsed or erased to he in effect. Lender will accept; use and retain these payments as a Inns reserve in lieu of mortgage insurance. Loss reserve payments may no longer he required, Form ]a]a a/a ?6VIPa1 oi+a , Ida r. o, rs,e '.m,l?k • f BOOK 14414- PACE Q59 a 1 i f{- ! - 1 I - r .,si._ at the option of Lcnder, if mortgage insumnm covcmgc (in the amount and for the period lhnt tenter requires) provided by an insurtr approved by Lender again lwcomes nvailablc and is obtained. Borrower shall pay the prcmiuuus required to maintain mortgage insurance in cffcct, or to provide a loss reserve, until the ru)uiremcnl for mortgage insurance ends in accordance with any written agreement between Borrower and Lcndcr ar applicable law. 9. Inspection. Lcndcr or its agent may make reasonable entries upon and inspections of Iho Property. Lender shall give Borrower notice at the time of or prior town inspectionspccifying reasonable cause for the inspection. 10. Condemnal lon. The proceeds crony ,word or claim for damages, direct or consequential, in cmmcetion with any condemnation or other taking of any part of the property, or for conveyance in liar of condemnation, ore hereby .. assigned and shall be paid to Lender. 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 Ilia Property in which the fair market value of the Property immediately before ilia taking is equal to or greater than the amount of the Security Instrument immediately before file taking, unless Borrower and Lender otherwise agree in sumssecumlby this writing, thesums secured by this Security Instrument shall he 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 low otherwise provides, the proceeds shall he 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 [hat the condemnor offers to make an award or settle a claim for damages, Borrower fails to respond to Lender within 90 days after the date the notice is given, Lender is a Ihorizel to collect and apply the proceeds, at its option, either to testnmtion or tarot r of the Property or to the sums secured by this Security Instrument, wherheror ant then due. Unless Lender and Borrower otherwise agree in wri Ling, any application of proceeds to principal shall not extend or postpone llhc due date of [tic monthly payments farmed to in paragraphs l and 2 or change the amount of such payments. 11. Borrower Not Released; Forbearance By Lender Not w Waiver. Extension of the time for payment or . modification of amortization of the sums secured by Ihis Security Instrument granted by Lender to any successor in interest of Borrower shall not operate to release file liabil itynf the original Bonower or Bonower s successors in intlermt. Lender shall not he required to commence proceedings against any successor in interest or rcfmse to extend time for payment or cuhcrw•ise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or Borrower's successors in interest. Any forbearance by Lender in exorcising any right or remedy shall not be a waiver of or preclude the exercise crony right or comedy. 12. Successors and Assigns Bound; Joint and Several Liability; Co-signers. The covenants and agreements of this Security Instrument shall bind and benefit the successors- and assisns of Lender and Borrower, subject to the provisions of paragraph 17. BOrO Wei s covcnams and agreements shall bejoint and several. Any Borrower who co-signs this Security Instrument but does not execute [lie Note: (a) is co-signing this Security Instrument only to mortgage, grant and convey [hat Borrower's interest in the Property under file terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Irtsmrmcm; and (c) agrees [hat Lender and any other Borrower may agree to cxfend, mollify, forbear or makeany accommodations with regard in the terms of this Security finsimmentor tile Note without that Borrower's consent. 13. Loon Charges. If the loan secured by this Security Instrument is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to he collected in connection with the loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (h) any stuns already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing Ilse principal owed under the No c or by making a direct payment to Borrower. If o refund reduces principal, the reduction will be treated as a partial prepayment ivithout any prepayment charge under [he Note. 14. Noti ms. Any notice to Borrower provided for in this Security Instrument shall be given by dei ivering it or by s mailing it by first class mail unless applicable law requites use of another metmd. The notice shall be directed to the Property Ad, revs or any other address Burrower designates hynoticc to Lender. Any notice to Lender shall be given by rim[ class int it to lender's address stated herein or any other address Lcndcr designates by notice to Borrower. Any notice provided for in this Security Instrument shall be domed to love been given to Borrower or Lender when given as provided in this paragraph. 1S. Governing Lmv; Severnhllky. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. In the event [hat any provision or clause of this Security Instmment or rile Note conflicts wi its applicable, law, such mnnict shall not afl'cd other provisions of this Security Instrument or the Nora which can he given effect without the conflicting pmvision.To thisend file provisions of [his Security Instrument and the Nose ore declared to be severable. r h vac-1.1144 ;960 Fol(„o 79 -?"`po 1^?fiVIPAI man ' 11 r.a•. olio wwi,•?1I-J" 1 L _ f. )ti 1 .? Y: , ? IJ Ir 1 4 ?• P , 16. Borrower's Copy. BorrmN orshall be given one conformed copy of the GLic and of this Security lnstmmcnt. 17. Transfer of the property orn Benencho interest hr Borrower. If all or any part of the Properly or any interest in it is solJor lransfetted (or if a bcncfici al inlctes(in Borrower is sold or lransfcned and Borrower is not a natural pe in rson) it is t 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 optionsl ell not be exercised by LcnJcr if exercise is prohibited by federal law ascribe, date of this Security Instrument. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide n period of not lees Ihun 70 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 [him sums prior to the expiration of Ibis period, Lender may invoke any remedies permitted! by this Security instrument without further notice ordemand an Borrower. 18. Borrower's Right to Reinstate. If Botmwcr meets certain conditioms. Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earlier of:(a)5 days(orsuch other period as applicable law may specify for reinstatement) beremseic of the property pursuant to any powerof sale contained in this Security Instrument; or (b) entryof njudgmeni enforcing this Security lnstnnncni.Those conditions are that Bortower. (a) pays Lcndcr all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any defmdt or any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees; and (d) takes such action as Lender may reasonably require to assure that the lien of this Suarity Instrument, Lender's rights in the Property and Borrower's ,` ..} obligation to pay the sums secured by this Sccutily Instrument shall continue unchanged. Upon reinstatement by Burrower, this Security Instrument and the ohlign[ionssecured hereby shall remain fully effective a ; if na acceleration _, ;...:..,..._.•..i had oceuned.However , this rightto minstateshall nolapply in the caseofacceleration undcrparagmph 17. ..y` 19. Sole of Note; Change of Loan Servker. The Note or a partial interest in the Note (together with this Security Instrument) may be add one or more times without prior notice to Borrower. A sale may result in a change in the entity (known as the 'Loan Scrviccr") that collects monthly payments due under the Note and this Security Instrument. There also may be one or more changes of the Loan Servimr unrelated to a sale of the Note. If them is a change of the Loan Scrviccr, Borrower will be given written notice of the change in accordance with paragraph 14 above and applicable law. The notice will state the name and address of the new Loan Servicer and the address to which payments should be made. Tiro notice will also comninany other information roquired by applicablc law. 20. Irnxnrdous Stibslnnces. Borrower shall nolcause or peril the presence, use, disposal,storage, or mlcase of any Hazardous Substances an or in the Property. Borrower shall not do, nor allow anyone else to do, anything offecling the Property [hat is in viololion of any Environmental Low. The preceding two scrimnco shall not apply to the presence, use, or storage an the Property of small quantities of Hazardous Substances that are generally rccognizcd to bL opproprinre to normal residential usrs and m maintenance of [he Property. Bonower shall promptly give Lender written nmtcc of any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any ll ?zrdous Substance or Environmental Law of which Borwerhas actual knowledge. If Borwer (cams, or is notified by rosy govemmental or regulatory authority, that any removal or other matedinion of any Hamrdous Substunce affecting the Properly is necessary, Borrowerslmll promptlytake all necessary remedial actions in accordance with Environmental Law. Asusnl in this paragraph 20,'Hazardoms Substances" are lhosesubslances thi'mcsd as toxic or hamdous substances by Envimnmcntal Law and the following substances: gasoline, kerosene, other Bammableor toxic petroleum praclucts, toxic pesticides and herbicides, volatile solvents, materials containing asbeslas or formaldehyde, and mdionclive materials. As use in this paragraph 20, 'Environmental Law' means fedcml laws and laws of Ihejurisdiciinn where [lie Propertyiskocuted that relatetohealth,safcty orenvirontr iprotection. NON-UN (FORM COVENANTS. Borrower and lender further covenant and ngrce as follows: 21. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's bmaehof on covenant or agreement in this Security Instrument (but not prior to acceleration tinder paragraph 17 unless np)lcable law providesotherwise). Lender shall nnllfy Borrower of, amongother things: (a) the default; (b) the action required to cure the default; (c) when the default must be cured; and (d) thnl (allure to cure the default as spcirled may result In acceleration of the sums secured by this Security Inslrumenta foreclosure by Judldnl procciting and sale or the property. Lender shall further Inform Borrower ar the right to reinstate after occdemllon Ind the right to assert In the foreclosure proceeding the non-exlstence of n ilefault or anyother defense of Borrower In acceleration and foreclosure. If the default Is not cured as specified, Lender, at Its option, may require Immediate payment In full of all sums secured by this Security Instrument without further demand and Incurred In opursuingtler medic provided in this paragcraph 2l, inclu Hng,but not limited to, al(iorneys'fees and costs ortllle evidence to the extent permitted by appldcnble law. 22. Release. Upon payment of all sums secured by this Security Instrument, this Security Instrument and the estate conveyed shall terminate and become void. After such occurrence, Lender shall discharge and satisfy this Security Inslmmenl without charge to Borrower. Borrownshall pay tiny recordation costs. FaV,]a19 2190, eVIPAI nrin , ,?, rw•exe Memo. /1f-`.I?ly ?' 'l WONiQLQPAEE.9GL f, l t( a. lsl J R S ` ?, ' ' 1 1+ T , l t I d .'h * n l -" x t t' t Y y r? S, 'v. + y M1 r • r? , i a l i t A r , rY i. V? c ? Y- r ? / .. N4 .1 sr (1 '. , / i *kt , r 1 >/? ,>! XY Y ..: / :: Vl ,'.. 'C1 y+i . f 'N K. '': va .'•a.{ Ji..a ? '.x.i ?? 1-t... .C. ... 23. Waivers. Bortower to the extent permitted by applicable law, waivesFund releases any error or defects in proceedings to enforce this Security Instrument, and hereby waives the benefit army present or future laws providing for - slay of execution, extension of timc,exemption (mm attachment, levy and sale, and homestead exemption. . 24. Reinstatement Period. BortowcrIs time to reinstate provided in paragraph 18 shall extend to one hour prior to the commencement of bidding at a sheriffs sale at other sale pursuant to this Security Instrument. 2S. Purchase Money Mortgage. If. my of the debt secured by this Security Instrument is lent to Borrower to acquire title to the Property, this Security Instrument shall be a purchase money mortgage. 26. Interest Rate ABer Judgment. Borrower agrees that the interest rate payable after ajudgment is entered on the Note or in an action of mortgage forcelesure shall be the rate payable from time to time under the Note. 27. Riders to this Security instrument. If one or more riders are executed by Borrower and recorded together with this Security Instmmenl, the covenants and agreements of each such rider shall be incorporated into and shall amend and sapplanent the covenants and agreements of this Security Insimmcnt as if the ddcr(s) were a part of this Security Instrument. (Check applicable box(es)l Adjustable Rol Rider Condominium Rider 1-4 Family Rider e Graduated Payment Rider Planned Unit Development Rider Biweekly Payment Rider u Balloon Rider Rate Improvement Rider Second Home Rider V.A. Rider Othcr(s)(speeifyl BY SIGNING BELOW, Borrower accepts and agrees to the tetras and covenants contained in this Security .. Instrument and in any rider(s) executed by Borrower and recordfJjsvi?hit. imcsses: ]?e~G7Li (Seal) ?(R8 -Borrower (Seal) Barew?r (Seal) (Seal) . Bortowcr -rimower CM1. lof rResidence tR3on G My do hereby certify that the correct n " address of the wit ilhin•namel Mortgagecis 2055:5 ?.ai,nJloa Ie.?ae1,( FO.nw; rt&u/t 9'14I' Witness my hand this 3115? day of ' 6eY ?c{9? ,. Agent o(Atangagee I, •r Cum LX 1cu j Countyss: COMMON YEAVTB OFPENNSYLVAHIA, on this the (1rM 3151 dayof oclaelR 1997 , before me, the undersigned orriccr, TIMMY a FflREl", Aa51t4 E PERSON known to me( or salisfac call proven) to be theperson5 whasenamea nv subscribed to the within instrimcntand acknowledged plat }lit,J ' execnle oh1e some for, d'Al/ NFSS WHWHEREOFEOFIhemuercunlotoscsetmy handmJoffciol seal. ih Expirq 4Z _ •+t(`,1'J?;. `• yr l1y S. NoWtal KUli5001 ?- ' 1 Jennifer WrbaaY public Nr' p; r• • 0? 4, t1 1? famp HAl00M Oaro,Camnnaard Cm C uaY ,?0 a 1"? M11Y ummisSionEryYna smt. 11 pFeri?g/ M1trtmMLPemsyly,,n,,1FxfMlJllaaofgannes Titleo(Officer `Q,??j?,??rr? t(? r•R..=?. 888M-i41.4PfICE 462 rM,,,, liox9 a/so SI V.A. ASSUMPTION POLICY RIDER NOTICE: THIS LOAN IS NOT ASSUMABLE WITHOUT THE APPROVAL OF THE DEPARTMENT OF VETERANS AFFAIRS OR ITS AUTHORIZED AGENT. THIS ASSUMPTION POLICY RIDER is made this 31 ST day of OCTOBER . 1997 and is incorporated into and shall be deemczl to nmend and supplement the Mortgage, Deed of Trust, or Deal In Saarc DeM('Instrument') or the same date herewith, given by the undersigned ('Mortgagor') to secure the Mortgagor's Note ('Note') of the same dale to SOURCE ONE MORTGAGE SERVICES CORPORATION. A DELAWARE CORPORATION its successors and assigns ('Mortgagci) and covering the properly described in the Instrument and located at: III BUNGALOW RD ENOLA. PA 17025.2317 [Property Addrml Notwithstanding anything to the contrary set forth in the Instrument, Mortgagee and Mortgagor hcrchy acknowledge and agree to the following: GUARANTY: Should the Department of Veterans Affairs fail or-refuse to issue its guaranty in full amount within 60 days from the dale that this loan would normally become eligible for such guzmnty committal upon by the Department of Vclemns Affairs under the provisions of Title 38 of the U.S. Cale 'Veterans Benefits,' the Mortgagee may declare the indebtedness hereby secured at once due and payable and may foreclose immcdiulcly or may exercise any other rights hereunder or lake any other proper action as by law provided. TRANSFER OF THE PROPERTY: If all at any part of the Property or any intarat in it is sold or transferred, this loan may be declared immediately due and payable upon transfer ('assumption) of the property securing such loan to any transferee ('assumer'), unless the acceptability of the assumption and transfer of fidsloan is established by the Department of Veterans Affairs or its authorized agent pursuant to Section 3714 of Chapter 37. Tillc 3g, United States Cale. An authorized transfer ('assumption') of the properly shall also be subject to additional covenants and agreemenLVas set Furth below: ) ASSUMPTION FUNDING FEE: A fee equal to one-half of I percent (.50%) of the unpaid balanFpa of I tis loan m of the dale of transfer of the property shall be payable at the time of transfer to the Mort PT this r r it% authorized agent, as [make for the Department of Veterans Affairs. If the assamcr fails to PT this Ice at the time of transfer, the fee shall constitute an additional debt to that already sccur?ltd hy'tbis Jnatmmcnt, shall beat interest at the rate herein providal; and, at the option. of I ..o.+wr as . _. .6268 Paea vuv Mearo.e[roa4a l[Ca?alllfln IaW.?°?Ire.?- 36409 70056570-7 JVOAO IIIIIIIIII?IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII?I 3 IIIIIIIIIII IIIIIIIIIIII II?IIIIIIII r BOONIAI4PACE 264 a hn ! 1 S I LL M 1 : . hall b mediate P the aybless This fee` is dautomaticlly hereby waived ii( the Ya+sumere 15 exempt undernte provsions n of 38 U.S.C. 3729 (c). (h) ASSUMPTION PROCCSSING CHARGR: Upon application for approval to allow assumption for aand transfer heasum randsulxsequcntlyrw inglheholdersiownershipsrecoris ;Ilnrgcd by tile mou when on approved transfer is complcmd. The amount of this charge shall not exceed the lesser of the Chapter maxinlan established by 37,Till 38, United States l Code appmanor anycm aximum prC!lc6hcd by applicable State en the assim the asSUmcr (c) ASSUMPTION INDCMNI9'Y LIARILI'IY: If this obligation is assumed, then t hereby agree to assume all of the oblig:dioas of Ilia veteran under the Trans of the itsstmmcnu creating tile Departmen of VCIcMMS and securing the loan, including the bliiarisnghfrom itf cigua iranty orf i camuce of thetindebtedness Affairs to the extent of any claim Payment created by this instrument. IN W ITNLSS W HGRCOP, NiOdgagol(s) has executed this Assu/mpt?ion Policy Ridcr. ,e l? ?-(Sea]) one•8a ilHeiHY 0 FflEEj At? (Seal) xmnR•c r p7CIIi4?.A PAGE ,965 m.azao I L11 _ (Seal) hlnnR•gm (Seal) Mone•aor State of Pennsylvania ll County of Cumherlandf 86 RecRQr dieii11t777jjj? oIhh tar therecordmit of heads erApY and'jeilr. County, 67 IP _II "Oo,??N4n `` PalJJJJJJ??????sxxs / ?7 witntss yhan ul nl olhic Carli>e Athis daYo '?-9- ,c ??'? ? eeordy(• ? • N yr 1.r' t "a Yf . C 14, 1 t ) . 1 ) 4s s ?' ? -1i ? I . < l r l 9 1 I f K t0.] 4' A , 4 S' A ...... , r ` ...-. _ a.., ,. .1 .J.w .:.J,.cl.. , $•. .. 1 ?GG??U 01 ; .. , 1 NOTE > . ABLE O WITH R O THI F TH AF AI TM N OF V T RANS S D E APPROVAL O EPAR OR ITS AUTHORIZED AGENT. PA CARP HILL1 ' OCTOBER 31ST. 1997 ? ICityl ISmm1 IOaml 111 BUNGALOW RD ENOLA. PA 17025-23131 r IPmpeay Addreml 1.11ORROWER'SPROIAIISE TO PAY S S 80.340.001 (this amount is called 10 pay In return th to the older oF(lhe Lcndcr' 97w I.em cris . .Principal'). plus interest, A DELAWARE CORPORAT 1011• 1 understand SOURCE ONE MORTGAGE SERVICES CORPORATION, that the Lender may transfer this Note. The Lender or anyone who lakes this Note by transfer and who is entitled to receive payments under this Note is called the-Note Holder.' the full amount of principal has been paid. I will pay interest at a 2.INTEREST Interest will be charged on unpaid principal until yearly rate of 8.00000 ?6? 'the interest rate required by this Section 2 is the rate I will pay both before and after any default described in Section Rim of this Note. 3. PAYMENTS (A) Time and Place of Payments month. DECEMBER 1ST r/ I will pay principal and inletast by making paymcntse F IRS day of each month beginning an I will make my monthly payments on the 1097. 1 will make these Payments every month until 1 have paid all of the principal and int<rut and any other ipal. charges described [,low NOVEHOERY Iowe ST under 20271 ?t1 still owe amounts under this Nolte,el applied will pay !base am ants n1full on Idy payments II', an Ihalalate, which is called the 'Maturity Date.' I will make my monthly payments at SOURCE ONE MORTGAGE SERVICES CORPORATION ired h the Note Helder. 27555 FARMINGTON ROAD or at a different place if,qa by FARMINGTON HILLS. NI 48334-3314 (n) Amount or Monthly Payments 589.511 My monthly payment will be in the amount of U.S. S _ principal only is known as ,t. RORROWER'S RIGILTTO PREPAY I have the tight to make payments of principal at any time before they arc dr at I am doitng ngew. of meanrThe Note Holder will use charge. o'prepayment' When I make a prepayment, I will tell menu wiittlout paying an9. ng p that um 1 may make a full Prepayment or partial Prepay .. y reduce theamounl ofpnncipal Ill., we under this le1.1 if I Note eappardlPrcpn writing there s be of changes prepayto thements to due date or in the amount of my monthly payment unless the Note Hohlcr aggrees in writing to those all of in chan9M. s.I,ANCIPARCES any such If u law, whi?a apPfics to this- lone and which set-maximum loan chargers, isd tinthn Permitted imntt:tPrcled so that the interest or other loan charg colledted or 101, collected in connection with this loan excee< ntred limits, then: Y coose to make this loan charge shall i reduced by the amount necessary to reduce he charge to the Petmiltcd hmtq andy (ii) any Sums already will be refunded 10 me. collected tram mwhich' cxce dled,Npgmat'da this itNote a s or by mak ng direct P?Ym nt to ma l arc J fundrc uccs principal, he reduction will be treated as u unin. ... ... _. i1-.?J; .?': 6. BORROWER'S FAILURE OPA REQUIRED -- ., <nd o L (A) Lute Charge for Overdue Payments of , d. days a If the Note Holder has not received the fill[ amount any monthly pnYmcnlby the FIFTEEIIc d cnda( days altar the dale it is tine. I will pay a late charge to the Note Holder. The amount of the charge will be o(my overdue payment. I will pay this late charge promptly but only once an catch late payment. edale it is dnc,Iwill he'in default' "''O"'''O (R) Default lh •Y If l donot pay the full amount of wch monthly payment on C unilerm Inrtmm.na ro.on MutnsTATE FIXED RATE NOTt•smol. F.,,32o_0it(/83 1315409 70056670-7 6170391 110111110 ?sAvvnmm•lemm,.u4, ?i IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII IIIII?IIIII?d r ti " .l c ? y. - , S. ]lilt tell notice telling me yy the Note Hold ay ci Pay immediately (Ito full amount tof principal whi ltth as notnbeen aid and all iolder may require me to tr on that amount. That Ja1c must be at Icst 70 Jays after the date on which the notice r5 elivcmd or yNote Holder Ilhnve therighttlt, the otc older do<Slaloteinime.e to pay immcdialdyin (all acdocrihcJa above, when I a fault Qole Holder's costs and Expenses r hs teyuircd me to pay immcrlintely in full as described above, the prohiHolderwill haveleeaw. Th this Note to the extent not prohihitcd by applicable law. Those II of ippLS cusLS an nhlcalmmcys' fenfees. e ICESIe,rwso e le law =quit, n different method, any notice that must be given to me undet ad ," f Il he given filingg itby rust class mail to meet the property Address above or ntndiffctcnyyt first st arst cNote ss class I mmgiil ve to ththee Not me ....crlerlhis Notewill hegivCn by mailing ith Jifferws s. _. .,-....rt es.,, nrven a notice OfI at different address. u :.,.n in he Note Holder un 1 person means under this Note against we 1arson to )v1 ua - PPayy all of the amountsowed under thisNote. ticcof Dishonor"mearrste 9.iVAIVERS person who has obligations under this Note waive the rights of prescntmcm and notice of dishonor. I and any other Pe ss given rireht, to requ sentmeitom N to HnlJert reeparoucetoother Holder that ampo unts due have notbccn paid. g HanallEO HIsNOr PaymentodjstmwLS Or for tiny other su elemental information is executed by the Borrow" 30. ALLONGETO THIS NOTE to this Note sth Ireall the covenants of beallc nge hallo incoreMlebox]toandshallumendnanOthcr (gpec fy]ccovenmts [Check Q Graduated Payment Allonge ? Other [Specify] :.,.OTT twithlimitcdvaTintlosinsomeiurisdictions. In addition to the Ptotatismcdol the 11.UNIFORM SECUREDNOTE .. n"d(the Security lswment"), Jared:hiim ke nthi: i WITNESSTHE HAND(S) D SEAL(S)OFTHE UNDERSIGNED. " (Seal) w ur , a41 •a„mwa Dmmwa I (scat) WMp??ps ? )b..t SSN: ' Form320012/67 '1 1 CkAV 112M -? SSN: 2ee-2e-260s (Seal) SSN: PAYI 1}i8OR OF (5q?nry?nd on N/ SSfvr7O SerNCSS CaIP i1?0N ,tt p BYa mionaEOtaarrFn ACT 91 NOTICE TAKE ACTION TO SAVE - - YOURHOME 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 Penusylvania . Housing Finance Agency at 1(800) 342-2397 LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PLIES AFECTA SU DERECHO A CONTINUAR VIVENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CAR- GOS AL NUMBERO MENCIONADO ARRIBA. PUEDES SER . ELEGIBLE PARR UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWN- ER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CA_SA DE LA PERDIDA DEL DERECHO A RED- IMIR SU HIPOTECA. NOTICE PURSUANT TO FAIR DEBT C±jLi_E0iQN PRACTICES ACT. T"", C`j't% M,,1NiCAf!ON IS FROM A DEBT `' d.I.ECTOR. THIS IS AN ATTEMPT TO C' :_ECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNER'S 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 September 9 , 1999 RE AccountNo.: 70056670-7 TO: TIMOTHY D. FREEMAN FROM: SOURCE ONE MORTGAGE SERVICES CORPORATION You maybe eligible for financial assistance that will prevent fore-closure on your mortgage if you comply with the provisions of the Homeown- ers' Emergency Mortgage Assistance Act of 1983 (the "Act"). You may be eligible for emergency temporary assistance if your default has been casued by circumstances beyond your control,you have a reasonable prospect ofresuming your mortgage payments, and if you meet other eligibility require-ments established by the Pennsylvania HousingFinance Agency. Please read allof 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 meeting is with a designed consumer credit counseling agency. The purpose 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 meet- ing. The name, address and telephone number of our representative is: Sharon Oras Morgan, Esuire Mattleman Weinroth & Miller Attome for Suite 2226 Land Title Building Philadelohi PA 19110 (215) 923-2225 The names and addresses of designated consumer credit counseling agen- cies 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 9,Lperio of at least sixty des (60) days. The total amount of the delinquency is $ the following: o9 of 98 throu h 0 0 Late Charges of $313-46. - "If you have tried.and orSunable to resolve this problem at or after you 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. An application for assistance may only be obtained from a consumer credit counseling agency. The consumer credit counseling agency will assist you in filling out your application and will submit your completed application to the Pennsylvania Housing Finance Agency. Your application must be filed or postmarked, within thirty (30) days of your face-to-face meeting. It is extremely important that you f ile your application promptly. Ifyou 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 1-800-3.42-2397 (toll free number). Persons with impaired hearing can call (717) 780-1869. F In addition you may receive another notice from this lender under Act 6 of 1974. That notice is called a "Notice of Intention to Foreclosure". You must read both notices, since they both explain rights that you now have under Penn- sylvania law. However, if you choose to exercise your rights described in this notice, you cannot be foreclosed upon while you are receiving that assistance. VII truly yo l/ • ' d _L Sharon Oras Mrogan, E ire For the Firm (((/// 12 GENTERAL ADMINISTRATION Pt. I PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES ADAMS COUNTY An cricrt Red Cross-Hanovcr Chapter 529 Carlisle Street Hanover, PA 17331 (717) 637-3768 FAX X(717) 637.3294 Blair County Economic Opportunity Council 5433 Industrial Avenue Altoona, PA 16601 (814) 946.365] FAX p (814) 946.5451 Consumer Credit Counseling Service of Western Pennsylvania, Inc. 2000 Linglestown Road Harrisburg, PA 17102 (717) $41.1757 Financial Services Unlimited 117 West 3rd Street `. aynesbom, PA 17268 (717)762.3285 ALLEGHENY COUNTY Action Housing, Inc. Number Two Gateway Center 9th Floor Pittsburgh, PA 15222 (412) 391.1956 Community Action Southwest 22 West High Street Waynesburg, PA 15370 (412) 852.2893 Consumer Credit Counseling, Service or Westem Pennsylvania, Inc. 309 Smithfield Street Pittsburgh, PA 15222 (412) 471.7584 Housing Opportunities, Inc: 133 Seventh Street McKeesport, PA 15132 (412) 654.1590 FAX 9 (412) 664-0873 Mon-Vallcy 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 15222.2222 (412) 261.1130 FAX k (412) 261-5207 (230806) No. 273 Aug. 97 31-38 104 CNPIlY11V0)Cwr-N,1 ?rI? 111 :r Ch 31 HOUSING FINANCE AGENCY ARMSTRONG COUNTY Consumer Credit Counseling Service of Western Pennsylvania, Inc. 500-02 3rd Avenue post office Box 278 Duncansville, PA (814) 696.3546 12 Indiana County Community Action program 827 Water Street, Box 187 Indiana, PA 15701 (412) 465-2657 FAX #(412)465'.`.118 BEAVER COUNTY Action Housing. Inc. Number Two Gateway Center 9th Floor Pittsburgh. PA 15222 (412) 391.1956 Consumer Credit Counseling Service of western Pennsylvania. Inc. 524 Franklin Avenue Franklin Center Aliquippa. PA 15001 (412) 652.8074 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 Bedford-Fulton Housing Services R. D. I, Box 384 Everett, PA 15537 (814) 623.9129 FAX 9 (814) 623.7187 Tableland Services Inc. 131 North Center Avenue Somerset, PA 15501 (814) 445-9628 FAX : (814) 443.3690 Consumer Cr-dit Counseling Service of western Pennsylvania, Inc. 500.02 3rd Avenue Post Office Box 278 Duncansvilic, PA (914) 696-3546 Weatherization Office 917 Mifflin Street Huntingdon, PA 16652 (814) 643.2343 Keystone E?:onomic Development Corponaion 1954 Mary Grace Lane Johnstown, PA 15901 (814)535.6556 FAX 9 (814) 539.1688 (230807) No. 273 Aug. 97 31-39 105 12 GENERAL ADMINISTRATION BERKS COUNTY Bq?get Counseling Center 247 NorthFRh Street Reading, PA 19601 (215) 375.7866 FAX # (215) 376.6575 Consumer Credit Counseling Service of Lehigh Valley 3671 Crescent Court East Whitehall, PA 18052 (215) 821-4011 or 1(800) 220.2733 (717) and (914) ONLY FAX # (215) 821.0137 Bedford-Fulton Housing Services R. D. 1, Box 384 Everett. PA 15537 (814) 623.9129 FAX # (814) 6234187 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. 500-02 3rd Avenue Post Office Box 278 Duncanville, PA (814) 696-3546 (230308) No. 273 Aug. 97 Economic Opportunity Cabinet of Schuylkill County M Norweigian Street Pottsville, PA 17901 (717) 622.1995 FAX #(7)7) 622-0429 La Casa Del Pueblo 815 W. Baltimore Pike Kennett Square, PA 19348 (215) 4443731 FAX # (215) 444.3178 BLAIR COUNTY Keystone Economic Development Corporation 1954 Mary Grace Lane Johnstown, PA 15901 (814)535.6556 FAX # (814) 539.1688 Wcatherization Office 917 MiI11in Street Huntingdon, PA 16652 (814) 643.2343 Pt. I 31-40 106 ?wrrw • rvo> e,,.?.e..,,,or e/ r.,..p.,,.:, i, i •. Ch. 31 HOUSING FINANCE AGENCY BRADFORD COUNTY Consumer Crcdht Counseling Service (717) 297.2101 _ of Nonhcastcm Pennsylvania Gerrvan Street Human Services Building 6 P O. Box 3S9 541 Wyoming Avenue Dushorc, PA 18614 Box 168 (717) 926.9668 Scmmon, PA 18501 (717) 342.1072 or 1(SOO) 922.9537 His Majesty Fcllo. ship Church FAX N (717) 342-8040 207 Penn Ave. P. O. Box 104 31 W. Market Street Athens, PA 18810 (Wed: Fri.) Wilkcs-Dam, PA 18702 (717) S68•6024 (717) 521.0837 or 1(600) 922.9537 17 Crahon Street FAX K (717) 821.1785 Wellsboro, PA 16901 The Trehab Center of Northeastern (717) 724-5252 Pennsylvania 7 eke Avenue 602 I2 Church Sucet Box 339 P. 0. Box 97 M , PA 16601 Honesdale, PA 15431 17) 278 (717) 278.3336 or 1(800) 952-4045 (717) 258.4987 'FAX k (717) 278. 1889 103 Wamen Suect 185 Elmira Street P O. Box 709 P- O. Box 218 Tunkhannock, PA 18657 Troy, PA 16947 (717) 836.6540 BUCKS COUNTY Acom Housing Corporation 846 Nonh Broad Street Philadelphia, 19130 FAX k (215)1 750-43 18 Consumer Cmdu Counseling Service (215) 765-1221 1 of Delaware Valley FAX 4 (215) 765.1427 1211 Chestnut Street, Suite 400 Philadelphia, PA 19107 - AM Credit Counseling Institute (215) 563-5665 144 East Dekalb Pike, Suite 100 FAX k (215) 864-2666 King of Prussia. PA 19406 (215) 354-99?2 Consumer Credit Counseling Service of Lehigh Valley Bucks County Housing Group Inc 3671 Crescent Coun , . 140 Fist Richardson Avenue Gst Whitehall, PA 16052 Unghomc, PA 19047 (215) 521-5011 or 1(800) 220-2737 (215) 750.4310 (717) and (814) ONLY FAX k (2I5) 92I-0137 31-41 (230809) No. 273 Aug. 97 107 12 12 GENERAL ADMINISTRATION Hispanic Association of Contractors & Enterprises 2921.27 North 5th Street Philadelphisti-PA 19133 (215) 426.8025 FAX P (215) 426.5027 BUTLER COUNTY Action Housing, Inc. Number Two Gateway Center 9th Floor Pittsburgh, PA 15222 (412)391.1956 Consumer Credit Counseling Service of Western Pennsylvania, Inc. YMCA Building 339 North Washington Street Butler, PA 16001 rousing Opportunities. Inc. 133 Seventh Street McKeesport, PA 15132 (412) 6641590 FAX k (412) 6640673 Mon-Valley Unemployed Committee 120 E 9th Avenue Homestead, PA 15120 (412) 462.9962 CAMBRIA COUNTY Bedford-Fulton Housing Services R. D. I, Box 364 Everett, PA 15537 (614) 623.9129 FAX PIS 14) 623.7187 Consumer Credit Counseling Service of Western Pennsylvania, Inc. 500.02 3rd Avenue Post Office Box 279 Duncanville. PA (814) 696-3546 Indiana County Community Action Program 827 Water Street, Box 167 Indiana, PA 15701 (412)465.2657 FAX k (412) 465-5119 (230910) No.273 Aug. 97 Keystone Economic Devel6prpeltt Corporation 1954 Mary Grace Lane Johnstown, PA 15901 (814) 535.6556 FAX g (814) 539.1688 Tableland Services Inc. 131 North Center Avenue Somerset. PA 15501 (814) 445.9628 FAX p (814) 443.3690 Pt. I 31.42 108 Ch. 31 HOUSING FINANCE AGENCY 12 CAMERON COUNTY Northern TjSr Community Action Corusumcr Credit Counseling Service Corp.. ' -- of Western Pennsylvania, Inc. 135 W. Fourth Street 50042 3-rd Avenue Emporium, PA 15834 Post Office Box 278 (814) 486.1161 Duncansvill:, PA FAX k (914) 486-3370 (814) 696.3546 • 'a CARBON COUNTY Economic Opportunity Cabinet of Schuylkill County 118 Norwcigixn Street Pottsville, PA 17901 (717) 622-1995 FAX # (717) 622-0429 Consumer Credit Counseling Service of Northeastern Pennsylvania Human Services Building 541 Wyoming Avenue Box 168 Scranton, PA 18501 (717) 342-1072 or 1(800) 922.9537 FAX #.(717) 342-8040 31 W. Markel Street Wilkes-Bare, PA 18702 (717) 821.0837 or 1(800) 922.9537 FAX g (717) 921-1785 Consumer Credit Counseling Service of Lehigh Valley 3671 C=ccm Court East Whitehall, PA 18052 (215) 821.4011 or I(800) 220-2733 (717) and (814) ONLY FAX k (215) 821.0137 Commission on Economics Opportunity of Luzeme County 211-213 South Main Street Wilkes-Barre, PA 18701 (717) 826-0510 or 1(800) 822.0359 FAX k f717) 829.1665- - call before fazing (717) 455.4994 Hazelton FAX k (717) 455.5631- Call before faxing (717) 836-4090 Tunkhannock CENTRE COUNTY Consumer Credit Counseling Service of Western Pennsylvania, Inc. 500.02 3rd Avenue Post Office Box 279 Duncanville, PA (814) 696.3546- Lycoming-Clinton Counties Commission For Community Action (STEP) 2138 Lincoln Street P.O. Box 1328 Williamsport, PA 17703 (717) 326-0587 FAX k (717) 322.2197 (230811) No. 273 Aug. 97 31-43 109 12 GENERAL AWNIST'RATTON CIMTrFR COUNTY Acorn Housing Corporation 846 North BroaA Street Philadelphia, PA 19130- (215) 765.1221 FAX N (215) 765.1427 AM Credit Counseling Institute 144 East Dckalb Pike, Suite 100 Xing of Prussia, PA 19406 (215) 354-9922 Budget Counseling Center 247 North Fifth Street Reading, PA 19601 (215) 375.7866 PAX g (215) 376.6575 Consumer Credit Counseling Service of Delaware Valley 1211 Chestnut Street. Suite 400 Philadelphia, PA 19107 (215) 563.5665 FAX k (215) 864-2656 Hispanic Association of Contractors & Friterprises 2921-27 North 5th Street Philadelphia, PA 19133 Pt. 1 (215) 426-8025 PAX 9 (215) 426.8027 La Casa 1X1 Pueblo 815 W. Baltimore Pike Kennett Square, PA 19348 (215) 444-3731 FAX K (215) 4443178 Media Fellowship House 302 S. Jackson Street Media, PA 19063 (215) 565; 0846 Philadelphia Council for Community Advancement 100 Nonh 17th Street Suite 600 Philadelphia. PA 19103 (215) 567.7803 FAX k (215) 963-9941 Tabor Community Services, Inc. 439 E King Street Lancaster, PA 17602 (717) 397.5182 or ';800) 788.5052 (Homeowners only) FAX k (717) 399.4127 CLARION COUNTY • Consume Credit Counseling Sciv = o(• Western Pennsylvania, Inc. YMCA Building 339 North Washington Street Butler. PA 16001 (412) 282-7812 31.44 - (230812) No.273 Aug. 97 110 r•„or,rs.crgr c..,..+...a,s ,1 n,,.rr?+%+ i 1 Ch. 31 HOUSING FINANCE AGENCY 12 CL.EARFIELD COUNTY Keystone Economic Development Indiana, PA 15701 Corpomticm- (412) 465-2657 1954 Mary Grace Lane FAX R (412) 465-5118 _ Johnstown, PA 15901 (814) 535.6556 Consumer Credit Counseling Service FAX k (814) 539.1688 of Western Pennsylvania, Inc. 500.02 3rd Avenue Indiana County Community Action Post Office Box 279 . Program ? Duncanville, PA 827 Water Street, Box 187 (814) 696.3546 CLINTON COUNTY Lycoming-Clinton Counties Commission For Community Action (STEP) 2138 Lincoln Street P.O. Box 1328 Williamsport, PA 17703 (717) 3260587 FAX N (717) 322-2197 COLUMBIA COUNTY Consumer Credit Counseling Service of Northeastcm Pennsylvania Human Services Building 541 Wyoming Avenue Box 168 Scranton, PA 18501 '; •• < %•+ .w •. .4719)342.1 Q72.6, l'-800=9?2,9537?, • FAX g (717) 342.8040 31 W. Market Street Wilkes-Barre, PA 18702 (717) 821-0837 or 1(800) 922-9537 FAX # (717) 821.1785 (230813) No. 273 Aug. 97 Commission on Economics Opportunity of Luume County 211.213 South Main Street Wilkcs-Barre PA 18701 (717) 826-0510 or 1(800) 822.0359 FAX P(717) 829.1665- Call before fa> ing- Ch 7)-455-4995'kldrtl ton FAX M (717) 455.5631 Call before faxing (717) 836-4090 Tunkhannock 31-45 111 J. M 12 GENERAL ADMINISTRATION CRAW FORD COU. "N B,,V., . Wsshintoo Centcr 1720 Holland Street Erie, PA 16503 (614) 453.5744 FAX 9 (614) 453.5749 Grwter Erie Community Action Committee IS West 9th Street Elie, PA 16501 (814) 459.4561 CUMBERLAND COUNTY i! I! Consumer Credit Counseling Service of Western Pennsylvania, Inc. 2000 Unglestown Road Harrisburg, PA 17102 (717) 541.1757 Financial Services Unlimited 117 Wen 3rd Street Waynesboro, PA 17268 (717) 762.3265 PL 1 FAX « (614) 456.0161 John F. ):cnnedy Center. Inc. 2021 rmt 20sh Street Erie. PA 16510 (614) 696.0400 FAX 4 (814) 695.1243 Shcnango Valley Urban Leaps. Inc. 601 Indiana Avenue Farrell. PA 16121 (412) 961.5310 Urban Lcaguc of Metropolitan Harrisburg 25 N. Front Street Harrisburg. PA 17101 (717) 234-5925 FAX 9 (717) 232-4985 YWCA or Carlisle 301 G Street Carlisle. PA 17013 (717) 243.3818 FAX 9 (717) 243.3948 DAUPHIN COUNTY •' t LansumcrCrtdiFCouifilino SCivicc•• ^. •• : {1:5an League oGM»sopoliiu. ?r •i +, of Western Pennsylvania, Inc. Harrisburg .2600 Linglestown Road 25 N. Front Street Harrisburg. PA 17102 Harrisburg. PA 17101 (717) 541.1757 (717) 234.5925 FAX ?: (717) 232-4985 31-46 (230614) No. 273 Aug. 97 112 I i Ch. 31 HOUSING FINANCE AGENCY Acorn Housing Corporation 846 Nonh Brood Street Philadelphia. PA 19130 (215) 765.1221 FAX 9(215) 765.1427 DELAWARE COUNTY (215) 426.8025 FAX k (215) 426-8027 La-Casa Del Pueblo 815 W. Baltimore Pike Kennett Square, PA 19348 (215) 444-3731 FAX 9 (215) 44`4-3176 AM Credit Counseling Institute 144 Fast Dekalb Pike, Suite 100 King of Prussia. PA 194M (215) 354-9922 Consumer Credit Coumteling Service of Delaware Valley 1211 Chestnut Street. Suite 400 Philadelphia, PA 19107 (215)503.5665 FAX 4 (215) K64•2666 Hispanic Association of Contractors & Enterprises 2921.27 Nonh 5th Street Philadelphia, PA 19133 Media Fellowship House 302 S. Jackson Street Media, PA 19063 (215)565.0646 12 Philadelphia Council For Community Advancement 100 Nonh 17th Street Suite 600 Philadelphia, PA 19103 (215)567.7801 FAX 9 (215) 963.9941 ELK COUNTY Nonhem Ticr Community Action John F. Kennedy Center, Inc. Corp, 2021 East 20th Street 135 W. Fourth Sired •. Eric, PA 16510 Emporium. PA 15934 .(814) 698-0400 , (9141486-.1161 ?.' FAX 9 (9141899-1241 . .?.: !':. !t'^'. e% '.FAX•9.(81 )'6.8.6•.lj!{}.' .:•i :..:s?.is.•r ... .:1. •r " "e''. :`w.:-.4, r.'.cs ERIE'CQUNTY " Booker T. Washington Center 1720 Holland Street Eric, PA 16501 (814) 453-5744 FAX 9 C9 14) 453.5749 John R Kennedy Center, Inc. 2021 (era 20lh Street Eric, PA 16510 (814) 898.0400 (2308151 No. 273 Aug. 97 FAX 9 IS 14) 898.1243 Greater Eric Community Action Committee 18 West 9111 Street Erie, PA 16501 (814)459.4581 FAX 9 (814) 456-0 161 31.47 113 12 GEWERAL ADMINISTRATION FAYE TE- COUNTY Action Housing. Inc. NumbefTwo Gatey'ay Center 9th floor Pittsburgh, PA 15222 (412) 391.1956 Community Action Southwest 22 West High Street Waynesburg. PA 153'10 (412)852.2893 Consumer Credit Courseling Service of Western Pen:.sy' ania, Inc. I North Gate Sgt,2m 2 Garden Center Ur: •e Greensburg, PA 156JI Pt. 1 Fayette County Community Action Agency. Inc. 137 North Beeson Avenue Uniontown, PA 15401 (412) 437.6050 Fxt. 38 or 1(800) 427-INFO FAX k (412) 437.4418 Tableland Services Inc. 131 North Center Avenue Somerset. PA 15501 (814) 445.9628 FAX P (814) 443.3690 Mon.Valley Unemployed Committee 120 I? 9th Avenue Homestead, PA 15120 (412) 462.9962 FOREST COUNTY Waxen.Fone:.t Counties Economic Opportuni:y Council 204 Liberty Street Post Office Box 547 Warren, PA 16365 (814) 726.2400 FAX 9 (814) 723-0510 FRANKLIN COUNTY .•. ••.•.a• •..Rdaq^;ai'.fioryres'Unlimited' .,r..,:r.;.vCobsuioet•Ci+edit Eo9nsc'?hs Sgr?tjc,5•.,, r,; ., :ys.. :,. 117 West 3rd Street 6r Westem Pennsylvania. Inc. .r • Waynesboro. PA 17268 912 South George Street (717) 762-3285 York. PA 17403 YNYCA of Carlisle 301 G Street Carla ie, PA 17013 (117) 243.3818 FA:: k (717T243-3948 American Red Cross-Hanover Chapter 529 Carlisle Street Hanover. PA 17331 (717) 637-3768 FAX k (717) 637-3294 (230816) No. 273 Aug. 97 31-48 114 CynisM • /Po+C.+••+.++I•A,H,y h++nl.e.:, Ch. 31 HOUSING FINANCE AGENCY 12 FULTON COUNTY 11tedrord_Fy1ton Housing Services Consumer Credit Counseling Service R. D. 1, Box 384 of Western Pennsylvania, Inc. .• Everett, PA 15537 912 South George Street (814) 623-9129 York. PA 17403 FAX f) (814) 623.7187 Weatherization Office Financial Services Unlimited 917 MifH'c,$trcct 117 West 3rd Street Huntingdon. PA 16652 Waynesboro, PA 17268 (814) 643-2343 (717) 762.3285 ' GREENE COUNTY Action Housing. Inc. Number Two Gateway Center 9th Floor Pittsburgh, PA 15222 (412) 391-1956 Mon-Valley Unemployed Committee 120 E. 9th Avenue Homestead, PA 15120 (412) 462.9962 Community Action Southwestern 22 West High Street Waynesburg, PA 15370 (412) 852.2893 FAX 9 (412) 627.7713 Consumer Credit Courtscling Service or Western Pennsylvania, Inc. I Nonh Gate Square 2 Garden Center Drive Greensburg, PA 15601 HUNTINGDON COUNTY Bedford-Fulton Housing Services , • ..'R. D. [,Box 384 Weatherin'tion Officc'or .?.e: .ry.. ... r.; Evetett7?'tt 13537•• .•'917?tJinAln S'vicet?•`a ?'.? i`• :i4--,r; •v.?.. • • (814) 623-9129 Huntingdon, PA 16652 ' FAX p (814) 623.7197 (814) 643-2343 ' Consumer Credit Counseling Service or Western Pennsylvania, Inc. 500-02 3rd Avenue Post Office Box 278 Duncanville, PA (814) 696-3546 31-49 (230817) No. 273 Aug. 97 115 12 GENERAL ADMINISTRATION INDIANA COUNTY Consumer Credit Counseling Service •.of Mtstem•Pennsylvania, Inc. I North Gate Square 2 Garden Center Drive Greensburg, PA 15601 Indiana County Community Action Program 827 Water Street, Box 187 Indiana, PA 15701 (412) 465.2657 FAX k (412) 465.5118 ):eyitone Economic Development Corporation 1954 Mary Grace Lane Johnstown, PA 15901 (814) 535.65:5 FAX 8 (914) 539.1688 JEFFERSON COUNTY John F. Kennedy Center. Inc. 2021 Fast 20th Street Erie, PA 16510 (914) 998.0400 FAX g(814) 898.1243 Consumer Credit Counseling Service of Western Pennsylvania, Inc. YMCA Building 339 North Washington Street Butler, PA 16001 (412)282.7912 Indiana County Community Action Program 827 Water Street, Box 187 Indiana, PA 15701 (412)465.2657 FAX g (412) 465.5118 JUNIATA COUNTY Consumer Credit Counseling Se of Western Pennsylvania, Inc. :500.02 3rd Avenue - ;. .:..: • :.. ,; , ; :,<;.. : ho£r oir?: yin. z?>t ••?' !.-. :? `• +'• ' •' -, •Du-riczds0ill`e. PA Pt. 1 rvice (814) 696.3546 , Weatheriration Office , 917-Mifflin Street - s . - •?':"Aundngd'oti.'•Fq.1Gb5?: ? ^•y,: ..•(•,:s?..r•: '".. ?;•? .•?;, ` •• (8145'653.2543•; ... .:-.?? ..-s. :?',',• :?:. LACXAWANNA COUNTY Consumer Credit Counseling Service of Nonheastem Pennsylvania Human Services Building 541 WyUming Avenue Box 168 Scranton, PA 18501 (717) 342.1072 or 1(800) 922.9537 FAX k (717) 342.8040 (230818) Nn.273 Aug. 97 31 W. Market Street Wilkes-Bane, PA 18702 (717) 821.0837 or 1(800) 922.9537 FAX k (717) 821.1785 31-50 1 16 Cq.M(M, I"?Gw -,.,IANY...,.l.vu, Ch. 31 HOUSING FINANCE AGENCY 12 LANCASTER COUNTY La Casa Ocl Pucb)o FAX k (215) 821.0137 815 W. Baltimore Pile Consumer Credit Counseling Service of Kennett Square, PA 19343 Wutcm Pennsylvania, Inc. (215) 444-3731 912 South George Street FAX k (215) 4443178 York. PA-17403 Consumer Credit Counseling Service of LLhigh Valley 3671 Crescent Court East Whitehall, PA 18052 (215) 821.4011 or 1 (807) 220.2733 (717) and (814) ONLY Tabor Community Scrviccs. Inc 439 E. King St.-cct Lancaster. PA 17602 (717) 397.5182 or 1(800) 788.5062 (homeowners only) FAX k (717) 399.4127 LAWRENCE COUNTY Consumer Credit Counseling Service of Wcstem Pennsylvania, Inc. Ist Federal Plus, Suite 405 Nonh Mill Street New Castle. PA 16101 Shenango Valley Urban League. Inc. 601 Indiana Avenuc Fanell, PA 16121 (412) 981-5310 LEBANON COUNTY Economic Opportunity Cabincl Tabor Community Services, Inc. or Schuylkill County 439 P }ring Street 118 Nonveigian Sreet Lancaster; PA 17602 Pottsville, PA 17901 (717) 397;5182 or 1(S00) 788-5062 . +.• •.¢%.<.: '•(71?k 622-19D5.-:?,.?•: +::' `?:.. .,.(13omY8w, !rr-n: y)v?;•.-: Sri.°i::. •. :?'C• .,?;..?;:.;: .•..1• .F .`.t , .l.. r..•?:'% rr :"i, FAX,.t7j7).522-0429.. .. ?.FPY..:n"(7 J.7d.':799.4)27 ,•-.s•v LEHIGH COUNTY Consumer Credit Counseling Service or Lehigh Vallcy 3671 Crescent Court East Whitehall. PA 15052 (215) 821.4011 or I(600) 220-2733 (717) and (814) ONLY FAX k (215) 821.0137 Economic Opponunity Cabinet or Schuylkill County IIS Norweigian Street (230319) No. 273 Aug. 97 Pottsville, PA 17901 (717) 622.1995 FAX 9 (717) 622.0429 31-51 117 ii 12 GENERAL ADMINISTRATION LUZERNE COUNTY Commission on Economics opportunity of l.uume County 211-213 South Main Street Wilkes-Barre, PA 18701 (717) 826-0510 or I(800) 822-0359 FAX k (717) 829.1665- Call before faxing (717) 455-4994 flaulton FAX k (717) 455.5631- Call before faxing (717) 836-4090 Tunkhannock Consumer Credit Counseling Service of Northeastern Pennsylvania Human Scrvicct Building 541 Wyoming Avenue Pt, I Box 168 Scranton, PA 18501 C717) 342.1072 or 1(800) 922.9537 FAX # (717) 342.8040 31 W. Market Street W ilkes-Bane, PA 18702 (717) 821.08374rr )(800) 922.9537 FAX # (717) 821.1785 Economic Opportunity Cabinet of Schuylkill County 118 Norv,eigian Street Pottsville, PA 17901 (717) 62? 1995 FAX # (717) 622.0429 LYCOMING COUNTY Consumer Credit Counseling Service FAX M (717) 821.1785 f Noreheastem Pennsylvania 0 ;? -• • Lycomino Clinton Counties . -ter Human Services Building Commission For Community Action 541 Wyoming Avenue (STEP) Box 166 2138 Lincoln Street Scranton, PA 18501 P.O. Box 1328 (717) 342-1072 or 1(800) 922.9537 W(Iliamspon, PA 17703 FAX M (717) 342-8040 Q11-7) 326.0587.-' • :. • • • }' • •- e' - 'Ew;:lrtai 5ttur'.:'•;ji.-?:s:?;, ..Fti;Ck(+{s?•32i-2i5T:, wr• -,. ..t ••VAi a;=SSrrc. PP9702•"' . (717) 621-0837 or 1(800) 922-9537 ' MCKEAN COUNTY John F. Kennedy Center, Inc. 2021 Fast 20th Street Eric. PA 16510 . (814) 898-0400 FAX # (814) 898.1243 Northern Tier Community Action Corp. 135 W. Fourth Street Emporium, PA 15834 (814) 486-1161 FAX #(8141 486-3370 (230820) No. 273 Aug. 97 3 I -52 118 ch...,tq, rw: n....?...m"I r.•.,rt,•... Ch. 31 HOUSING FINANCE AGENCY 12 MERCER COUNTY Shenango Valley Urban Consumer Credit Coumcling Service l.eag3^ Inc- of Western Pennsylvania, Inc. 601 Indiana Avenue YMCA Building 339 North Washington Street Farrell. PA 16121 PA 16001 Butler (412) 981.5310 , MIFFIJN COUNTY Consumer Credit Counseling Service (814) 696.3546 of Westem Pennsylvania, Inc. Weatheriration Office 500-02 3rd Avenue 917 Mifflin Street Post Office Box 278 Huntingdon. PA 16552 Duncanville, PA (814) 643.2343 MONROE COUNTY I , i l d i tr iII 211.213 South Main Street Human Services Building Wilkes-Bane. PA 18701 541 Wyoming Avenue (717) 826-0510 or 1(800) 822-0359 Box 168 FAX p (717) 829.1665- Scranton. PA 18501 Call before fazing , (717) 342-1072 or I(S1j01`922.9537 ' (717) 455.4994 Hazelton FAX g (717) 342-8040 ' FAX k (717) 455.5631- ' Call before faxing 31 W. Market Street 4090Tunkhannock 836 7 Wilkcs•Barre, PA 18 . ) (71 0857 1(B 800) 922-9537 Commission on Economics Consumer Credit Counseling Service Opportunity of Luzeme County of Northeastern Pennsylvania (717) 821- or FAX k (717) 921-1785 , r•?::r:• .' i'u?: .;[yrifY•: ui :'i :!(d:?•i{:r."?Y':•r T'4.' '•' :••r,•MON7'GpMEFY+C-QUNTY.-. .. '`-' . Acorn Housing Corporation 846 North Broad Street Philadelphia. PA 19130 (215) 765.1221 FAX g (215) 765-1427 AM Credit Counseling Institute 144 East Dckalb Pike. Suite 100 King of Prussia. PA 19406 (215) 354.9922 (230821) No. 273 Aug. 97 Budget Counseling Cerirer 247 North Fifth Street Reading. PA 19601 (215) 375.7866 FAX g (215) 376-6575 Community Action Development Commission 113 East Main Street Norristown, PA 19401 (215) 277-6363 FAX Y, (215) 277.2123 31.53 119 Consumer Credit Counseling Service of Northeastern Pennsylvania . Human Services Building 541 Wyoming Avenue Box 168 Scranton, PA 16501 (717) 342-1072 or 1(800) 922-9537 FAX # (717) 342.8040 31 W. Market Street Wilkes-Bane. PA 19702 (717) 821-0837 or 1(800) 922-9537 FAX # (717) 821.1785 NORTHAMPTON COUNTY 12 GENERAL ADMINISTRATION Pt. I Consumer Credit Counseling Service of Delaware Valley 1211 Chestnut Street- Suite 400 Philadelphia, VA 19107- (215) 563.5665 - FAX # (215) 864-2666 La Cua Del Pueblo 815 W. Baltimore Pike Kennett Square, PA 19349 (215) 444-3731 FAX # (215) 444-3178 Media Fellowship House 302 S. Jackson Street Media, PA 19063 (215) 565.0846 Philadelphia Council For Community Advancement 100 North 17th Street Suite 600 Philadelphia, PA 19103 (215) 567-7803 FAX # (215) 963.9941 MONTOUR COUNTY Consumer Credit Counseling Service of Lchigh Valley 3671 Crescent Coun Fist Whitehall, PA 18052 (215) 821.4011 or 1(800) 220.2733 ' (717) and(814):ONLY . :;:.t:. _•s:'.•?5'.•" . :n,".L,.v .ai•? 'r,' "`PA9E`{f C=IS?S21:0{37: .'s" ..dr. •..;: ;) .i3'?•-.+:'• •.. .. NORTHUMBERLAND COUNTY - Consumer Credit Counseling Service of Nonheastem Pennsylvania Human Services Building 541 Wyoming Avenue Box 168 Scranton, PA 19501 (717) 342.1072 or 1(800) 922.9537 FAX # (717) 142.8040 (230822) No.273 Aug. 97 31 W- Market SI(ccI - NVitikes-Barre, PA 18702 (717) 921.0837 or 1(800) 922.9537 FAX # (717) 821-1785 Fconumic Opportunity Cabinet of Schuylkill county 116 Nomeigian Street Pottsville. PA 17901 (717) 622-1995 FAX 9 (717) 622.0429 31-54 120 i, II I ij 0 Ch. 31 HOUSING FINANCE AGENCY PERRY COUNTY Con9umcr Credit Counseling Service 17101 Harrisburg. P of western Pennsylvania, Inc. 5 2000 Linglestown Road FAX # (717) 2324985 Harrisburg, PA 17102 017) 541.1757 917 Mi tin street 917 Mi(Ilin Strcct Financial Services Unlimited Huntingdon. PA 16652 117 West 3rd Street (614) 643+3,& Waynesboro, PA 17268 YWCA of Carlisle [/l7) 762.3285 3010 Street Urban Lezguc of Metropolitan Carlisle, PA 17013 Harrisburg (717) 243.3819 FAX # (717) 243.3948 25 N. Front Street PHILADELPHIA COUNTY Acorn Housing Corporation 846 Nonh Broad Street Philadelphia, PA 19130 (215) 765.1221 FAX # (215) 765.1427 Philadelphia, PA 19133 (215) 426.8025 FAX # (215) 426.8027 12 Housing Association of Delaware Valley AM Credit Counseling Institute 1314 Chestnut Street 144 East Dckalb Pike, Suite 100 Room 900 King of Prussia. PA 19406 Philadelphia, PA 19107 (215) 3549922 (215) 545.6010 FAX4 *S,(215).79k9J3?` ;, 3§(tS N.pnh ,7,ttl Sin:41::, a : • ` •? .,v.•.. • •v ":+•.": " 658 Noah Watts Street • Philadelphia, PA 19140 Philadelphia, PA 19123 - (215) 227.7111 ' FAX # (215) 227-7117 - FAX)# 979-0224 (215) 765.7614 Consumer Credit Counseling Service or Delaware Valley 1211 Chestnut Street. Suite 400 Philadelphia, PA 19107 (215) 563.5665 FAX # (215) 864.2666 .I Hispanic Association of Contractors & Enterprises 2921-27 Noah 5th Street (230823) No. 273 Aug. 97 ?i Media Fellowship House 302 S. Jackson Street Media. PA 19063 •(215) 565-0546 Philadelphia Council For Community Advancement 100 Nonh 171h Street Suite 600 _ 31.55 121 12 GENERAL ADMINISTRATION Philadelphia, PA 19103 251.3 South 24th Street (215) 567-7803 Philadelphia, PA 19103-5529 FAX k (215) 963-9941 (215) 731.4100 Urban League of Philadelphia- FAX k (215) 731-4112 . PIIO3 COUNTY Consumer Credit Counseling Service of Northeastern Pennsylvania (717) 342.1072 or 1(800) 922.9537 FAX M (717) 342.8040 Human Services Building 31 W. Market Steec 541 Wyoming Avenue Boa 168 Wilkes, Barre, PA 18702 Scranton, PA 18501 (717) 821.0837 or I (800) 922.9537 FAX l; (717) 821.1785 Northern Tier Community Anion POTTER COUNTY Corp. 135 W. Founh Street Emporium, PA 15834 (814) 486.1161 FAX 8 (814) 486.3370 SCHUYLKIIL COUNTY Budget Coumeling Center 247 North Fifth Strut Reading, PA 19601 (215) 375.7866 FAX k (215) 376.6575 • ' C9nuni5sio6.ott.Econo.. 4 Opporiunitr , or Luzer»e County 211-213$nuth Main Streit Wilke-Barre, PA 18701 (717) 1326-0510 or 1(800) 822-0359 . FAX p (717) 829.1665 Pt. I Call before fazing (717) 455.4994 Hazclton FAX P (717) 455.5631- Call before fazing (717) 836-4090 Tunkhannock 7•E4ogomiS OCMnubitY.C56iriG .r:, .. `. {-.. .: •. .; .1,' ';c., of Schuylkill County ! '. 118 Norweigan Street Pottsville, PA 17901 ' (717) 622.1995 FAX 4 (717) 622-0429 SNYDER COUNTY Consumer Credit Counseling Service of Western Pennsylvania, Inc. 2000 Linglestown Road Harrisburg, PA 17102 (717) 541.1757 (230824) No. 273 Aug. 97 31-56 122 Ch. 31 HOUSING FINANCE AGENCY 12 SOMERSET COUNTY Bedford-Fulton -Musing &ca'iccs R. D. 1, Box 384 Everett, PA 15537 (814) 623-9129 FAX n" (614) 623.7167 I:cystonc Economic Dcvelopmcnt Corp=tion 1954 platy Gniee Lane Johnstown, PA 15901 (814) 535-6556 FAX k (614) 539-1666 Comuma Credit Counseling Service orwestem Pennsylvania, Inc. I North Gatc Square 2 Garden Center Drive Greensburg. PA 15601 Tableland Services Inc. 131 Noah Center Avenue Some=:. PA 15501 (814) 445-9626 FAX 9 (S 14) 443.3690 SULLIVAN COUN"[Y Consumer Credit Counseling Service or Nonhcasrem Pennsylvania Human Services Building 541 Wyoming Avenue Box 163 Scmmon, PA 18501 (717) 342.1072 or 1(800) 922.9537 FAX k (717) 342.8040 Gcrman Street. P.O. Box 399 Dushorc. PA 19614 (717) 926.9665 His Majesty Fellowship Church 207 Penn Ave.. P.O. Box 104 Athens. PA 16610 (Wed: Fri.) (717) BS8.6024 31 W. Market Street 17 Craf"ton Street V.ilkcs•Bane. PA 18702 . Wellsboro, PA 16901 (717) 621.0337 or H9D0) 922.9537 ; :C717) 724-5252 • 5.'.: ?:..' 7}F.21-F7Z "FAX.K(71 •t.•.:)..r... .• ^e..'.: .... .. , , . ' - •,.,.. '• •602112Chumh Sirccl , ' The Trch2b Center or•Nonhcastcm P. O. Box 97 Pennsylvania Honesdale, PA 16431 (717) 258-4967 7 Lakc Avenue Box 339 103 Warren Steet Montrose, PA 18901 P. 0. Box 709 (717) 278.3338 or I(80O) 982.4045 Tunkhannock. PA 18657 FAX ,7 (717) 278-1889 (717) 536.68.40 185 Elmira Street P.O. Box 218 Troy. PA 16947 (717) 297.2101 31-57 (230S25) No. 273 Aug. 97 123 12 GENERAL ADMINISTRATION Pt. I i i i' SUSQUEHANNA COUNTY Consumer Credit Counseling Service of Northeastern Pennsylvania Human Services Building 541 Wyoming Avenue Box 166 Scranton, PA 18501 (717) 342.1072 or 1(600) 922-9537 FAX 9 (717) 342.6040 31 W. Market Street Wilkes-Bane, PA 18702 (717) 821.0837 or 1(800) 922-9537 FAX 9 (717) 821-1785 The Trchab Center of Northeastern Pennsylvania 7 Like Avenue Box 339 Montrose, PA 18801 (717) 278.3338 or 1(800) 982.4045 FAX k (717) 278-1889 185 Elmira Street P.O. Box 218 Troy, PA 16947• (717) 297.2101 German Street P. O. Box 389 Dushorc, PA 18614' .` (717) 928-9668 His Majesty Fellowship Church 207 Penn Ave. P.O. Box 104 Athens. PA 18810 (Wed: Fri.) (717) 868.6024 17 Crafton Street Wcllsboro, PA 16901 (717) 724-5252 602 IR Church Street P. O. Box 97 Honesdale, PA 16431 (717) 256-4967 103 Warren Street P. 0. Box 709 Tunkhannock. PA 16657 (717) 836.6840 Consumer Credit Counseling Service 7 Ir• ke Avenue of Nonheastem Pennsylvania: Box 339 , Human Services Building Montrose, PA 18801 (717) 278.3338 ur 1(800)982-4045 541 Wyoming Avenue FAX k (717) 278.1889 Box 168 Scranton, PA 18501 185 Elmira Street (717) 342.1072 or 1(800) 922.9537 FAX 9(717) 342-8040- P. O. Box 218 - ' ' roy, PA 16947 T 31 W. Market Street (717) 297-2101 Wilkes-Bane, PA 18702 (717) 821.0837 or 1(800) 922-9537 Gennan Street FAX 9 (717) 821.1785 P. 0. Box 389 The Trchah Center of Nunhcastern Dushore, PA 18614 _ Pennsylvania (717)'128.9668 31-58 (23uS26) No. 273 Aug. 97 124 n?•,..,m • rw?......-+.,.r,n,.J r...,,i...... i® II ,Ftr . Ch. 31 HOUSING FINANCE AGENCY 12 His b7ajesty Fellowship Church 207 Penn Ave. P.O. Box 104 Athens, PA 16610 (Wrid.:Fri.) (717) 688.6024 17 Crafton Strcct Wellsbore. PA 16901 (717) 724-5252 Lycoming-Clinton Counties Commission, For Community Action (STEP) 2138 Lincoln Street P.O. Box 1328 Williamsport, PA 17703 (117) 326-0597 Greater Erie Community Action Committee 19 West 91h Street Eric. PA 16501 (914)459.4581 FAX g (814) 456-0161 Sohn F. Kennedy Center.'' Inc.; r,. . ' 7021 Fzsi.20{hstrcet 602 112 Church Street P. O. Box 97 Honesdale, PA 16431 (717) 258-4987 103 Warn Str=t P. 0. Box 709 Tunkhannock, PA 18657 (717) 836.6640 UNION COUNTY FAX k (717) 322-2197 Consumer Credit Cwtucling Service of Westem Pennsylvania, Inc. 503.02 3rd Avenue Post Office Box 278 Duncansville, PA (614) 696.3546 VFNANGO COUNTY Eric. PA 16510 (614) 898-0400 FAX k (814) 998.1243 Consumer Credit Counseling Servicc of Western Pennsylvania, Inc. YMCA Building • 339 Np;th N'pshington Street . But)cr, PA iPO01;,. . WARREN COUNTY Booker T. Washington Center 1720 Holland Street Eric, PA 16503 (914) 453-5744 FAX, 9 (814) 453.5749 Greater Eric Community Action Committee 19 West 9th Succt Eric, PA 16501 (230827) No.273 Aug. 97 (814) 459-4581 FAX k (814) 456.0161 Warren-Forrest Counties Economic Opportunity Council 1209 Pennsylvania Avcnuc, West P. O. Box 547 Wan--n. PA 16365 (814) 726.2400 FAX k (914) 723.0510 31-59 125 ¦ 1 I I I i i i Ch. 31 (LOUSING FINANCE AGENCY Anion Housing, lr . Number Two Gate :a, Center 9th Floor Pitubtugh, PA lh= -- (412) 391-1956 Community A, :3.. Southwest 22 Wmt High :,tr zt Waynesburg, PA :5370 (412) 852-2Ei3 WFSIMOMAND COUNTY Action Program 627 Water Strect, Box IS7 lndiana, PA 15701 (412) 465.2657 FAX Y (412) 465-5118 keystone Economic Development Corporation 1954 Mary Gmee lane Johnstown, PA 15901 -? (914) 535-6556 FAX X (614) 539.169S COrsumc Credit Counseling Service of Western Pennsylvania, Inc. I North stimm 2 Garden Center Drive Greensburg, P.t, 15601 Housing Opportunities, Inc. 133 Scv=t. Street .`dekcsp<. L. PA 15132 (412) :;S'. 1590 FAX P(112) 664 0973 Indiana County Community Mon-Valley Unemployed Committee 120 E 9th Avcnue HomeSlead, PA 15120 (412) 462.99;2 Tableland Services, Inc 131 North Center Avcnue Somerset, PA 15501 (914) 445.9625 FAX " (814) 443-3690 WYOMING Cobim i Commission on Economic Opportunity Box 165 Of Uzeme Co=ry Scranton, PA 18501 '11-213 South Main Street (717) 342-1072 or 1(800) 922.9537 • • 1Liikes•Barne, PA 18701 .. FAX k (717) 342.8040 I - :(7!•7)'826.0590 or•I(S00)•822.0359 ••, : ' .' •'z' •F:`.X 0717) 529-1665=?• .... , . . .. • I Call befog faxing WrlkeS-Barre, PA 18702 ' (717) 455994 Haz;11on (717) 821.0837 or ] (800) 922-9537 FAX k (717) 455-5631- FAX k (717) 821.1785 Call before faxing (7I7) 836-4090 Tunkhannock The Trehab Center of North ?? COntumer Credit Counseling Service of Nonheutem Pennsylvania Human Services Building 541 Wyoming Avenue (230829) No. 273 Aug. 97 stem Pennsylvania 7 Like Avenue Box 339 Montrose, PA 18801 (717) 278.3338 or 1(800) 952-4045 FAX # (717) 278-1889 31.61 - 126 r 12 r j, i ,I d I' t 12 GENERAL ADMINISTRATION Pr.I 185 Elmira Street P.O. Box 218 Troy. PA 16947 (117) 297-2101 ~6ennan Strct, P.O. Box 389 Dushoic, PA 18614 (717) 928-9668 His Majesty Fellowship Cb=h 207 Penn Ave. P.O. Box 104 Athens. PA 18810 (Wed: Fri.) American Red Crrs-Hanover Chapter 529 Carlisle Street Hanover, PA 17331 (717) 637.3763 FAX k (717) 637-3294 (717) 858-6024 17 Crafton Street Wellsboro, PA 16901 (717) 724-5252 602 112 Church Street • P. O. Box 97 Honesdale, PA 18431 (717) 2584957 103 Wanes Stmet- P. O. Ba009 Tunkhannock PA 18657 (717) 836-6840 - YORK COUNIY Consumer Credit Counseling SmVi= of Wcum Pennsylvania. Inc 2000 linglcstown Road Harrisburg. PA 17102 (117) 541.1757 912 South George Street Yorl- PA 17403 Housing Council of Yor4 116 North George Street York, PA 17401 (717) 854-1541 FAX g (117) 845-7934 Source The provisions of this Appendix C adopted Dceemba 13. 1985. effective Deecmber 14, 1985.15 PxB. 4435; a n:n5cd July 1, 1994. effcccve July 2. 1994.24 Pa-B, 3224. Immediately pteoedin: tart appears u serial paces (109748) to (109752) and (156327). (230830) No. 273 Aug. 97 [Nut page is 41.1.1 31-62 127 ?'FJ lt• I i Q8 r G, cl 11. J SHERIFF'S RE'T'URN - REGULAR CASE NO: 1999-06834 P COMMON1,9EALT1I OF PENNSYLVANIA: COUNTY OF CUMBERLAND CHASE MORTGAGE COMPANY ETC VS. FREEMAN TIMOTHY D SHA.VIN HARRISON , Sheriff or Deputy Sheriff of CUMBERLAND County, Pennsylvania, ::'.:o being duly so:orn according to law, says, the within COMPLAINT - MORT FORE was served upon FREEMAN TI140THY the defendant, at 1707:00 HOURS, on the 12th day of Novenber 1999 at 111 BUNGALOW ROAD ENOLA, PA 17025 CUMBERLAND County, Pennsylvania, by handing to MELISSA FREEMASF DAUGHTER a true and attested copy of the COMPLAINT - MORT FORE and at the same time directing Her attention to the contents thereof Sheriff's Costs: Docketing Service Affidavit Surcharge So answers: 19.92 .00 8.00 ?--Thomas nriner2. t .> T5-797-i,IA7TLF is _N 11/15/199 by T (J-r Sworn and subscribed to before the this /3 `,.. day of 19 Ct 61 A. D. '??d. G. i? ?.?e??,. tic:'?y 1 }1"eroL'nonotary OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Prothonotary TO: Timothy D. Freeman 1 I 1 Bungalow Road Enola, PA 17025 CHASE MORTGAGE COMPANY C/O WHITE . MOUNTAINS F/K/A SOURCE ONE MORTGAGE: SERVICES CORPORATION 27555 Farmington Road Farmington Hills, MI 48018 Plaintiff vs. TIMOTHY FREEMAN 11 I Bungalow Road Enola, PA 17025 Defendants COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 99-6834-CIVIL NOTICE PURSUANT TO RULE 236 NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below. Prothonotary MORTGAGE FORECLOSURE JUDGMENT BY DEFAULT IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: SHARON ORAS MORGAN, ESQUIRE #60068 MATTLEMAN, WEINROTH & MILLER 215/923-2225 291/52848 Notice Pursuant To Fair Debt Collection Practices Act This is an attempt to col]_ct a dent and any information obtained gilt be used fur test purpuse. MATTLEMAN, WEINROTFI & MILLER BY: SHARON ORAS MORGAN, ESQUIRE Attorney ID# 60068 Suite 2226 - Land Title Building Broad & Chestnut Streets Philadelphia, PA 191 10 215/923-2225 Attorneys for Plaintiff 291/52948 CHASE MORTGAGE COMPANY C/O WHITE : COURT OF COMMON PLEAS MOUNTAINS F/K/A SOURCE ONE MORTGAGE: CUMBERLAND COUNTY SERVICES CORPORATION Plaintiff vs. No.: 99-6834-CIVIL TIMOTHY FREEMAN Defendants PRAECIPE TO ENTER DEFAULT JUDGMENT TO THE PROTHONOTARY Kindly enter Default Judgment in favor of Plaintiff, Chase Mortgage Company c/o White Mountains f/k/a Source One Mortgage Services Corporation and against Timothy Freeman, for failure to Answer the Complaint in Civil Action - Mortgage Foreclosure. Service was made on the Defendant, Timothy Freeman via the Sheriff of Cumberland ? t f 3 !i County as follows: 11/12/99 via personal service Assess damages as follows: Principal and Interest $94,877.92 Interest from 10/31/99 to 4/6/2000 2,782,50 Increase in Late Charges since 10/31 /99 28.60 Increase in Property Inspections since 10/31/99 15.75 Costs 295.50 TOTAL AMOUNT OF JUDGMENT $ 98,000.27 MATTLEMAN, WEINROTFI & MILLER BY: SHARON GRAS N10RGA , ESQUIRE 1160068 MATTLEMAN, WEINROTI-I & MILLER BY: SHARON ORAS MORGAN, ESQUIRE Attorney ID 960068 Suite 2226 - Land Title Building Broad and Chestnut Streets Philadelphia, PA 19110 215/923-2225 Attorneys for Plaintiff Our File #291/52948 CHASE MORTGAGE COMPANY C/O WHITE : COURT UI' CUMMUN Mr-AZ) MOUNTAINS F/K/A SOURCE ONE MORTGAGE: CUMBERLAND COUNTY SERVICES CORPORATION Plaintiff Vs. No.: 99-6834-CIVIL TIMOTHY FREEMAN Defendants AFFIDAVIT OF ADDRESSES COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND: SS I, Sharon Oras Morgan, Esquire, being duly sworn according to law, upon my oath, depose and say: 1. 1 certify that the Plaintiffs address is 27555 Farmington Road, Farmington Hills, MI 48018; 2. 1 certify that the Defendant's address is as follows: I I I Bungalow Road, Enola, PA 17025. 3. 1 certify that the foregoing information is true and correct to the best of my knowledge, information and belief. Sworn and Subscribed to before-me this. day 1100. A OMAS LISA A JERSEY No1ARY PUBLIC OF N[ l21412001 Commission ExDiles MATTLENIAN, WEINROTH & MILLER Sharon Oras Morgan, Esquire y? MATTLEMAN, WEINROTH 8, MILLER BY: SHARON ORAS MORGAN, ESQUIRE Attorney ID # 60068 Suite 2226 - Land Title Building Broad and Chestnut Streets Philadelphia, PA 19110 Attorneys for Plaintiff CHASE MORTGAGE COMPANY CIO WHITE : COURT OF COMMON PLEAS MOUNTAINS F/K/A SOURCE ONE MORTGAGE: CUMBERLAND COUNTY SERVICES CORPORATION Plaintiff vs. No.: 99-6834-CIVIL TIMOTHY FREEMAN Defendants AFFIDAVIT OF NON-MILITARY SERVICE COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND SS 1, Sharon Oras Morgan, Esquire, Attorney at Law, being duly sworn according to law, upon my oath, depose and say: I. That the Defendants are not in the Military, Naval of Air Services of the United States of any other Country within the provision of the Soldiers' and Sailors' Civil Relief Action of Congress, as amended; and 2. That the Defendants are at least 21 years of age and reside at I 1 I Bungalow Road, Enola, PA 17025. The affiant has ascertained the foregoing information by persona inquiry and knowledge and makes this Affidavit with the authority. Sworn and Subscribed to before me this-, LL . li4 day 2010- LL III n U\SA PAN votps to lE SE'1 40SARV PUBLIC eF 12 i4 i1UUl ?: c;;;,is<ino FxP;cos MATTLOJAN, WEINROTH & MILLER Sharon Oras Morgan, Es re #60068 MATTLEMAN, WEINItOTI-I & MILLER BY: SHARON ORAS MORGAN, ESQUIRE Attorney 1D #60068 Suite 2226 - Land Title Building Broad and Chestnut Streets Philadelphia, PA 19110 215/923-2225 Attorneys for Plaintiff Our File # 71/48344 CHASE MORTGAGE COMPANY C/O WHITE : COURT OF COMMON PLEAS MOUNTAINS F/K/A SOURCE ONE MORTGAGE: CUMBERLAND COUNTY SERVICES CORPORATION Plaintiff VS. TIMOTHY FREEMAN Defendants No.: 99-6834-CIVIL AFFIDAVIT OF SERVICE COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND SS 1, Sharon Oras Morgan, Esquire, Attorney at Law, being duly sworn according to law, upon my oath, depose and say: I am a member of the firm ofNlattleman, Weinroth & Miller, attorneys for Plaintiff in the above entitled cause of action. 2. 1 hereby certify that a written notice of intention to file the Praecipe for Judgment, in accordance with Rule 237. 1, was forwarded to the Defendant(s), place of residence by regular mail on December 7, 1999 and has not been returned to this office, so it can be assumed that same has been delivered to Defendant. Sworn and Subscribgd to before me this , C ?` day of UAUU -L '7000. but (Ll1k'4fk(:JW u; M:ATT,ElVIAN,AW EIN?ROTI-1 & MILLER Sharon Oras Morgan,Esqu' e LISA ANN THOMAS NOTARY PUBLIC OF Nt%a "Saa Commis:izn 10 res 12 JAN 24 2000 09:52 FR CUMBERLAND CO SHERIFM7 240 6397 TO 912155674151 P. 02/02 CASE NO: 1999-06834 P `COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND !tMSE MORTGAGE COMPANY ETC VS. FREEMAN TIMOTHY D 1 _ SHAWN HARRISON Sheriff or Deputy'Sheziff of CUMBERLAND County, Pennsylvania, who being duly sworn according 'to law, says, the within COMPLAINT - MORT FORE was served upon FREEMAN TIMOTHY the defendant, at 1707:00 HOURS, on the 12th day of November 1999 at 111 BUNGALOW ROAD (ENOLA, PA 17025 ,CUMBERLAND 11County, Pennsylvania, by handing to MELISSA FREEMAN DAUGHTER true and a.-.tested copy of the COMPLAINT - MORT FORE ind at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge i >7 Sworn and subscribed to before me this day of 'j19 A. D. eromonotary ** TOTAL PAGE.02 ** So answers: 18.00 9.00 II 8.00 it. lllomas? Kline, e i OFFICE OF THE PROTHONOTA Court of Common Pleas Prothonotary TO: Timothy D. Freeman Date of Notice: December 7, 1999 CHASE MORTGAGE COMPANY C/O WHITE COURT OF COMMON PLEAS MOUNTAINS F/K/A SOURCE ONE MORTGAGE CUMBERLAND COUNTY SERVICES CORPORATION Plaintiff VS. NO. 99-6034-CIVIL TIMOTHY D. FREEMAN Defendant(s) NOTICE, RULE 237.2 IMPORTANT NOTICE You are in default because you have failed to take action required of you in this case. Unless you act within ten (10) days from the date of this notice, a judgment may be entered against you without a hearing and you may lose your property or other important rights. You should take this notice to a lawyer at once. If you do not have a lawyer or cannot afford one, go to or telephone the following office to find out where you can get legal help. Court Administrator - Cumberland County Carlisle, PA 17013 (717) 240-6200 NOTIFICACION IMPORTANTE Usted se encuentra en estado de rebeldia por no haber tomado la accion requirida de su parts en este caso. Al no tomar la accion debida dentro de un termino de diez (10) dias de esta notificacion, el tribunal podra, sin necesidad de compararecer usted en Corte o escuchar prueba alguna, dictar sentencia en su contra, usted puede perder bienes y otros derechos importantes. Debe llevar esta notificacion a un abogado immediatamente si usted no tiene abogado, o si no tiene dinero suficiente para tal servicio, vaya en personal o flame por telefono a la oficina, cuya direccion se encuentra escrita abajo para averiguar donde se puede conseguir assistencia legal. NIOTICE PIME D FAIR DEBT ' ECTION FRS mICATION IS FROM A DEBT i !!S IS AN ATTOW TO ANY INFORiMA7 0 :. 1!SED FOR THAT r 1 ' I 4- V -76 n IN THE COURT OF CON" PLEAS OF CINIDERLAND COUMrY, PENNSYLVANIA CIVIL DIVISION Caption: : File No. 99-6834-CIVIL. CHASE MORTGAGE COMPANY C/O WHITE MOUNTAINS Aimunt Due $98,000.27 F/K/A SOURCE ONE MOR VS. TGAGE SERVICES CORP. Interest $2,352.06 from 4/13/00 to 9/6/00 TIMOTHY D. FREEMAN Atty's Come Costs TO THE PROTHONOTARY OF THE SAID COURT: The undersigned hereby certifies that the below does not arise out of a retail installmnt sale, contract, or account based on a confession of judgnent, but if it does, it is based on the appropriate original proceeding filed pursuant to Act 7 of 1966 as amehded; and for real property pursuant to Act 6 of 1974 as amended. PRAJDCIPE FOR E)1=10N Issue writ of execution in the above natter to the Sheriff of Cumberland County, for debt, interest and costs upon the following described property of the defendant(s) Ill Bungalow Road, Enola, PA 17025 (See attached legal desc PRAECIPE FOR ATTACIEN1FSfP EXE)CUTTON Issue writ of attachment to the Sheriff of County, for debt, interest and costs, as above, directing attaclunent against the above-named garnishee(s) for the following property (if real estate, supply six copies of the description; supply four copies of lengthy personalty list) and all other property of the defendant(s) in the possession, custody or control of the said garnishee(s). (Indicate) Index this writ against the garnishee(s) as a lis pendens against real estate of the defendant(s) described in the attached exhibit. DATE: 5/18/00 Signature: Print Name: Sharon Oras Morgan Esquire Address: 100 S. Broad Street. Suite 2226 Philadelphia PA 19110 Attorney for: Plaintiff Telephone: (215) 91_9295 Supreme Court ID No.: 60068 ALL THAT CERTAIN piece or parcel of land situate in East Pennsboro Township, Cumberland County, Pennsylvania, known and numbered as Lot No. 6 on resubdivision plan of Lots known as "Shady Lane" by Gerrit J. Betts Associates, Inc., and recorded in Plan Book 47, Page 59, in the Office of the Recorder of Deeds, bounded and described as follows, to wit: BEGINNING at a point on the southern right-of-way line of Bungalow Road, which point is in the northeast corner of Lot No. 5 on aforesaid plan; thence north 76 degrees 30 minutes 10 seconds east along the southern right-of-way line of Bungalow Road a distance of 16.00 feet, more or less, to a point; thence south 44 degrees 15 minutes 00 seconds east, a distance of 119.35 feet, more or less, to a point; thence south 45 degrees 45 minutes 00 seconds West, a distance of 89.64 feet more or less, to a point, which is the southeast corner of Lot No. 5 on the aforesaid plan; thence north 13 degrees 29 minutes 50 seconds west along the eastern line of said Lot No. 5, a distance of 148.40 feet, more or less, to a point on the southern right-of-way line of Bungalow Road, the place of BEGINNING. CONTAINING 6,536 square feet, more or less. IMPROVEMENTS THERE: a residential dwelling known and numbered as 111 Bungalow Road. r, N r r: 7 Gl: cli u U rg 1 ?Q / 1 1 1 1 ? 1 ? M V a MATTLEMAN, WEINROTII & MILLER BY: SHARON ORAS MORGAN, ESQUIRE SUITE 2226 - LAND TITLE BUILDING BROAD & CHESTNUT STREETS PHILADELPHIA, PA 19110 215/923-2225 Attorneys for Plaintiff CHASE MORTGAGE COMPANY C/O WHITE MOUNTAINS F/K/A SOURCE ONE MORTGAGE SERVICES CORPORATION Plaintiff COURT OF COMMON PLEAS CUMBERLAND COUNTY Vs. TIMOTHY D. FREEMAN Defendant : NO.: 99-6834-CIVIL AFFIDAVIT PURSUANT TO RULE 3129.1 COMMONWEALTH OF PENNSYLVANIA COUNTY OF PHILADELPHIA Chase Mortgage Company, et al., Plaintiff in the above entitled cause of action, sets forth as of the date the Praecipe for Writ of Execution was filed the following information concerning the real property located at I 1 I Bungalow Road, Enola, PA 17025: 1. Name and address of Owner(s) or Reputed Owner(s): Timothy D. Freeman 1 11 Bungalow Road Enola, PA 17025 2. Name and address of Defendant(s) in the Judgment: Timothy D. Freeman I 1 1 Bungalow Road Enola, PA 17025 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: Chase Mortgage Company c/o White Mountains f/I?a Source One Mortgage Services Corporation (Plaintiff herein) 27555 Farmington Road i® Farmington Hills, MI 48018 Child Support Enforcement Agency I Courthouse Square Carlisle, PA 17013-3387 4. Name and address of the last recorded holder of every mortgage of record: Chase Mortgage Company c/o White Mountains Oka Source One Mortgage Services Corporation (Plaintiff herein) 27555 Farmington Road Farmington Hills, MI 48018 5. Name and address of every other person who has any record lien on the property: None known. 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Occupant, I 1 I Bungalow Road Enola, PA 17025 7. Name and address of every person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Occupant, 111 Bungalow Road Enola, PA 17025 I verify that the statements made in this Affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unswom falsification to authorities. SHARON ORAS M RGA SQUIRE 460068 Sworn and Subscribed to before me thisaY-'I day of 4P'1ct I 2000. 29162548 111DITH ANN HITCHNER d Miry puhk of Ne,v Jersey I I.. .•. mn FY gir -.0/25/2001 Ct? h _ ?J I - JIU 1 1. •Y r MATTLENIAN, WENROTH & MILLER BY: SHARON ORAS MORGAN, ESQUIRE Attorney ID #60068 Suite 2226 - Land Title Building Broad & Chestnut Streets Philadelphia, PA 19110 (215) 923-2225 Attorneys for Plaintiff CHASE MORTGAGE COMPANY CIO WHITE MOUNTAINS F/K/A SOURCE ONE MORTGAGE SERVICES CORPORATION Plaintiff VS. TIMOTHY D. FREEMAN COURT OF COMMON PLEAS CUNIBERLAND COUNTY NO.:99-6834-CIVIL :NOTICE OF SHERIFF'S SALE OF Defendant :REAL PROPERTY :PURSUANT :TO PENNSYLVANIA RULE OF :CIVIL PROCEDURE 3129 TAKE NOTICE: Your house (real estate) at 111 Bungalow Road, Enola, PA 17025 is scheduled to be sold at Sheriffs Sale on September 6, 2000 at 10:00 am in Cumberland County Courthouse, South Hanover Street, Carlisle, PA 17013 to enforce the Court Judgment of $98,000.27 obtained by Chase Mortgage Company c/o White Mountains f3da Source One Mortgage Services Corp. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale you must take immediate action: 1. The Sale will be cancelled if you pay to Sharon Oras Morgan, Attorney for Plaintiff, back payments, late charges, costs and reasonable attorneys fees due. To find out how much you must pay, you may call Sharon Oras Morgan at 215-923-2225. 2. You may be able to stop the Sale by filing a petition asking the court to strike or open the Judgment, if the Judgment was improperly entered. You may also ask the Court to postpone the Sale for good cause. 3. You may also be able to stop the Sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the Sale. (See Notice below and how to obtain an attorney). YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. I. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the bid price by calling Sharon Oras Morgan at 215-923-2225. 2. You maybe able to petition the Court to set aside the Sale if the bid price was grossly inadequate compared to the market value of your property. 3. The Sale will go through only if the Buyer pays the Sheriff the full amount due on the Sale. To find out if this has happened you may call Sharon Oras Morgan at 215-923-2225. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the Sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a Deed to the Buyer. At that time, the Buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the :money which was paid for your house. A Schedule of distribution of the money bid for your house will be filed by the Sheriff on October 6, 2000. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after. 7. You may also have other rights and defenses, or wrys of getting your house back, if you act immediately after the Sale. YOU SHOULD TAKE THIS PAPER TO YOU LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Court Administrator 4`s Floor Cumberland County Courthouse Carlisle, PA 17013 1-717-240-6200 291/52848 ALL THAT CERTAIN piece or parcel of land situate in East Pennsboro Township, Cumberland County, Pennsylvania, known and numbered as Lot No. 6 on resubdivision plan of Lots known as "Shady Lane" by Gerrit J. Betts Associates, Inc., and recorded in Plan Book 47, Page 59, in the Office of the Recorder of Deeds, bounded and described as follows, to wit: BEGINNING at a point on the southern right-of-way line of Bungalow Road, which point is in the northeast comer of Lot No. 5 on aforesaid plan; thence north 76 degrees 30 minutes 10 seconds east along the southern right-of-way line of Bungalow Road a distance of 16.00 feet, more or less, to a point; thence south 44 degrees 15 minutes 00 seconds east, a distance of 119.35 feet, more or less, to a point; thence south 45 degrees 45 minutes 00 seconds West, a distance of 89.64 feet more or less, to a point, which is the southeast comer of Lot No. 5 on the aforesaid plan; thence north 13 degrees 29 minutes 50 seconds west along the eastern line of said Lot No. 5, a distance of 148.40 feet, more or less, to a point on the southern right-of-way line of Bungalow Road, the place of BEGINNING. CONTAINING 6,536 square feet, more or less. IMPROVEMENTS THERE: a residential dwelling known and numbered as 111 Bungalow Road. 'r C) r nl ` 1.f VJ. ??? _ ? ' l• ` . i _ l .1 " li i l " "?1" ?'tll 1'. C? -1 c ? ;_, u MATTLEMAN, WL-INROTH & MILLER By: Sharon Oras Morgan, Esquire Attorney ID# 60068 Suite 2226, Land Title Building Broad & Chestnut Streets Philadelphia, PA 19110 (215) 923_2725 Attorneys for Plaintiff CHr1SE MORTGAGE COMPANY C/0 WHITE MOUNTAINS F/K/A SOURCE ONE MORTGAGE SERVICES CORPORATION Plaintiff Vs. TIMOTHY D. FREEMAN Defendant COMMONWEALTH OF PENNSYLVANIA COUNTY OF PHILADELPHIA COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 99-6834-CIVIL AFFIDAVIT PURSUANT TO RULE 3129.2 I Sharon Oras Morgan, Esquire, of full age, being duly stvom according to law, upon my oath, depose and say: 1. I am a member of the first of Mattleman, Weinroth & Miller, attorneys for the Plaintiff in the above entitled cause of action. 2. On July 17, 2000, a copy of the Notice of Sheriffs Sale of Real Property was served on the defendant, Timothy D. Freeman. On July 11, 2000, a copy of the Notice of Sheriffs Sale of Real Property was posted on the premises. A copy of the Sheriffs Return of Service is attached hereto and made a part hereof as Exhibit "A". On May 30, 2000, a copy of the Notice of Sheriffs Sale of Real Property was sent to all parties in interest and claimants by registered mail. A copy of the receipt of registered mail is attached hereto and made a pan hereof as Exhibit "B". 4. A Notice of Intention to Foreclose Mortgage is not required in said proceeding as the bona fide consideration is in excess of $50,000.00. A Notice of Homeowners' Emergency Mortgage Assistance was sent to the defendants by regular and certified mail on 9/9/94. Mattleoth & Miller i Sharon Oras Morgan, Es ire #60068 Sworn and Subscribed to before me this `H11 Day of ?C?(a;rbcr 2000 dLtn AIOY Lc-? wary Public JUDITH ANN HITCHNER A Notary Public of New Jersey My ('ammission Expires 6/25/2001 291/52848 Chase Mortgage Company c/o In the Court of Common Pleas of White Mountains F/K/A Source Cumberland County, Pennsylvania One Mortgage Services Corp. No. 1999-6834 Civil -vs- Timothy D. Freeman Timothy Reitz, Deputy Sheirff, who being duly sworn according to law, says on July 17,2000 at 8:18 o'clock P.M. EDST, he served a true copy of Real Estate Writ Notice Poster and Description in the above entitled action upon the within named defendant to wit: Timothy D. Freeman by making known unto Timothy Freeman at 111 Bungalow Road, Enola, Cumberland County, Pennsylvania, its contents and at the same time handing to him personally the said true and attested copies of the same. Timothy Reitz, Deputy Sheriff, who being duly sworn according to law, says on July 11, 2000 at 11:52 A.M. EDST, he posted a copy of Real Estate Writ Notice Poster and Description on the property of Timothy Freeman located at 111 Bungalow Road, Enola, Cumberland County, Pennsylvania according to law. R. Thomas Kline, Sheriff who being duly sworn according to law, says he served the above Real Estate Writ Notice Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action to the within named defendant to wit: Timothy Freeman by regular mail to 111 Bungalow Road, Enola, Pennsylvania. This letter was mailed under the date of July 18, 2000 and never returned to the Sheriff's Office. SoA?? R. Thomas Kline, Sheriff By C!i t/ rt e ee. rrel'J rYYt £ X58 p4??i Gq? ? s ? I?1 r F F! ? L, ° '" ? e? E ? lea. a; "i ;Ill O n ?? +:' al }?ygg y VVV i ?.......... p .. _____ =Ail Ell 7 a} u y m L ' M 2'm g ? y¢ ¢ 9 a? 5 {s,1m5 gy' d 01?> cm ?t °???g _?2$ U ¢?? xU ++?? 99yy =?? ° a m IL "s3b ? m o W Mo d V O N •s 3? L o 1 N O n r O n m . z-4 z N w a d d ?1 'Zi fA r+ Qi a m a w w o N W r) O W Z6 q O a RQ'. W 0 £ W O m ? 0En ? m m aO ]? o° O Z F 0 z 67 0L0 m H C >5+Z v o E ? LU U . L) 40 O H z Oe J 0 .-1 V m V"i H .ti H" ° N ~¢ -a QN = W O O ~ ?? N LAJ og ? f.' q mm? E m CC h T O 2° E? Q ..2 . N 0 Q N t° I, co O O r `" r .f V-- r Im-? Fo = lieW o1gejunoooy job 0 4 u Q0 S'I'ATE OF PENNSYLVANIA, COUNTY OF CUMBERLAND f ss. ----Robert P Ziegler _ ___Rccordcrof 1'-------------------------------------------------------------------- - Deeds in and for said County and State do hereby certify that the Sheriffs Deed in which ---------------- Veteran's Administration ------------------------------------------------------------------------------------isthe grantee the saute having been sold to said grantee on the ___ 6th---------------------------------------- day of September YK2000 - --------------------- A. D., f9under and by virtue of a writ --------______ Execution 2nd ------------------------------------------------issued on the------------------------------------- June xx2000 day of __________________________ A. D., 19 ------- out of the Court of Common Pleas of said County as of Civil - - ------------------- -------------------------------------------------- Term, 19--`9 - 9 6834 Chase Mtg Co c/o White Mountains fka Source One Mtg Serv Number --------------,atthesuitof ---------------------------------------- ----------------------- Corp Timothy D Freeman ----------------------------------- against ---------------------------------------------------- is duly recorded in Sheriffs Deed Book No.___232 ...... page 694 IN TESTIDIONI' iVHEREOF, I have hereunto set my hand and seal of said office this __ _- ----- day of ---oC,;,`Cbc? --------------- A. D., 49_?_2 ------ - - ------------ Recorder of Deeds Recorder of Deeds, Cumberland County, Carlisle, PA My Commission Expires the First slondsy of Jan. 20W Chase Mortgage Company c/o White Mountains P/K/A Source One Mortgage Services Corp. -vs- Timothy D. Freeman In the Court of Conuuon Pleas of Cumberland County. Pennsylvania No. 1999-6834 Civil Timothy Reitz, Deputy Sherrff, who being duly sworn according to Inv, says on July 17,2000 at 8:18 o'clock P.M. EDS'r, he served a true copy of Real Estate Writ Notice Poster and Description in the above entitled action upon the within named defendant to wit: Timothy D. Freeman by making known unto Timothy Freeman at 111 Bungalow Road, Enola, Cumberland County, Pennsylvania, its contents and at the same time handing to him personally the said true and attested copies of the same. 'rimothy Reitz, Deputy Sheriff, who being duly sworn according to law, says oil July 11, 2000 at 11:52 A.M. EDST, he posted a copy of Real Estate Writ Notice Poster anti Description on the property of'fimothy Freeman located at 1 I I Bungalow Road, Enola. Cumberland County, Pennsylvania according to law. R. Thomas Kline, Sheriff who being duly sworn according to law, says he served the above Real Estate Writ Notice Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action to the withi n named defendant to wit: "rintothy Freeman by regular mail to 1 I 1 Bungalow Road. Enola, Pennsylvania. "This letter was mailed under the date of July 18, 2000 and never returned to the Sheriff's Office. R. "Thomas Kline Sheriff who being duly sworn according to law, says that after due and legal notice had been given according to law, exposed the above described premises at public venue or out cry at Court House, Carlisle Cumberland County, Pennsylvania on September G, 2000 at 10:00 o'clock A.M. EDST and sold the same for the sum of $ 1.00 to Attorney Leon P. Haller for The Veteran's Administration. It being the highest bid and best price received for the same 'file Veteran's Administration of 5000 Wissahickon Avenue, Philadelphia, PA being the buyer in this execution paid to Shcriff'R. Thomas Kline the sum of S 791.47 it being costs. Sheriff's Costs Docketing 30.00 Poundage 15.52 Posting Bills 15.00 Advcnising 15.00 Acknowledging Deed 30.00 Auctioneer 10.00 Law Library .50 County 1.00 Mileage 18.60 Certified Mail .74 Levy 15.00 Surcharge 20.00 Law Journal 271.70 Patriot Ncws 270.35 Share of Bills Distribution of Proceeds Sheriff's Decd Sworn and Subscribed To Before Me 23.53 25.00 2L2 S 791.47 I'd By Atty 10/24/00 This '1 t Day of %lo-c•z r..l? 2000. A.D.4i tom. Q t tl 5y Pr thonotary SoAiisi?, R. Thomas Kline, Sheriff By Real Estate Deputy l? 3e 3 a t UL >o.). MATTLEMAN, WEINROTH & MILLER BY: SHARON ORAS MORGAN, ESQUIRE SUITE 2226 - LAND TITLE BUILDING BROAD & CHESTNUT STREETS PHILADELPHIA, PA 19110 215/923-2225 Attorneys for Plaintiff CHASE MORTGAGE COMPANY C/O WHITE MOUNTAINS F/K/A SOURCE ONE MORTGAGE SERVICES CORPORATION Plaintiff Vs. TIMOTHY D. FREEMAN Defendant COURT O COMMON YLhAJ CUMBERLAND COUNTY NO.: 99-6934-CIVIL AFFIDAVIT PURSUANT TO RULE 3129.1 COMMONWEALTH OF PENNSYLVANIA COUNTY OF PHILADELPHIA Chase Mortgage Company, et al., Plaintiff in the above entitled cause of action, sets forth as of the date the Praecipe for Writ of Execution was filed the following information concerning the real property located at 111 Bungalow Road, Enola, PA 17025: 1. Name and address of Owner(s) or Reputed Owner(s): Timothy D. Freeman 111 Bungalow Road Enola, PA 17025 2. Name and address of Defendant(s) in the Judgment: Timothy D. Freeman 1 I I Bungalow Road Enola, PA 17025 3. Name and address of everyjudgment creditor whose judgment is a record lien on the real property to be sold: Chase Mortgage Company c/o White Mountains f/k/a Source One Mortgage Services Corporation (Plaintiff herein) 27555 Farmington Road Farmington Hills, MI 48018 Child Support Enforcement Agency 1 Courthouse Square Carlisle, PA 17013-3387 4. Name and address of the last recorded holder of every mortgage of record: Chase Mortgage Company c/o White Mountains Mda Source One Mortgage Services Corporation (Plaintiff herein) 27555 Farmington Road Farmington Hills, MI 48018 5. Name and address of every other person who has any record lien on the property: None lmown. 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Occupant, I 1 I Bungalow Road Enola, PA 17025 7. Name and address of every person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Occupant, 111 Bungalow Road Enola, PA 17025 I verify that the statements made in this Affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unswom falsification to authorities. Sworn and Subscribed to before me this ZOO day of`?? 2000. 29162848 Ax 1 471 SHARON ORAS M RG SQUIRE 4"60068 JUDITH ANN HITCHNER A Notary Public of New Jersey ,'cc6in Expires 0/25/2001 `. MATTLEMAN, WEINROTH & MILLER BY: SHARON ORAS MORGAN, ESQUIRE Attorney ID #60068 Suite 2226 - Land Title Building Broad & Chestnut Streets Philadelphia, PA 19110 (215) 923-2225 Attorneys for Plaintiff CHASE MORTGAGE COMPANY C/O WHITE MOUNTAINS F/K/A SOURCE ONE MORTGAGE SERVICES CORPORATION Plaintiff VS. TIMOTHY D. FREEMAN COURT OF COMMON PLEAS CUMBERLAND COUNTY : NO.:99-6834-CIVIL :NOTICE OF SHERIFF'S SALE OF Defendant :REAL PROPERTY :PURSUANT :TO PENNSYLVANIA RULE OF :CIVIL PROCEDURE 3129 TAKE NOTICE: Your house (real estate) at I 1 I Bungalow Road, Enola, PA 17025 is scheduled to be sold at Sheriffs Sale on September 6, 2000 at 10:00 am in Cumberland County Courthouse, South Hanover Street, Carlisle, PA 17013 to enforce the Court Judgment of $98,000.27 obtained by Chase Mortgage Company c/o White Mountains f/k/a Source One Mortgage Services Corp. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The Sale will be cancelled if you pay to Sharon Oras Morgan, Attorney for Plaintiff, back payments, late charges, costs and reasonable attorneys fees due. To find out how much you must pay, you may call Sharon Oras Morgan at 215-923-2225. 2. You may be able to stop the Sale by filing a petition asking the court to strike or open the Judgment, if the Judgment was improperly entered. You may also ask the Court to postpone the Sale for good cause. 3. You may also be able to stop the Sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the Sale. (See Notice below and how to obtain an attorney). YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the bid price by calling Sharon Oras Morgan at 215-923-2225. 2. You may be able to petition the Court to set aside the Sale if the bid price was grossly inadequate compared to the market value of your property. 3. The Sale will go through only if the Buyer pays the Sheriff the full amount due on the Sale. To find out if this has happened you may call Sharon Oras Morgan at 215-923-2225. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the Sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a Deed to the Buyer. At that time, the Buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A Schedule of distribution of the money bid for your house will be filed by the Sheriff on October 6, 2000. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the Sale. YOU SHOULD TAKE THIS PAPER TO YOU LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Court Administrator 41 Floor Cumberland County Courthouse Carlisle, PA,17013 1-717-240-6200 291/52848 ALL THAT CERTAIN piece or parcel of land situate in East Pennsboro Township, Cumberland County, Pennsylvania, known and numbered as Lot No. 6 on resubdivision plan of Lots known as "Shady Lane" by Gerrit J. Betts Associates, Inc., and recorded in Plan Book 47, Page 59, in the Office of the Recorder of Deeds, bounded and described as follows, to wit: BEGINNING at a point on the southern right-of-way line of Bungalow Road, which point is in the northeast comer of Lot No. 5 on aforesaid plan; thence north 76 degrees 30 minutes 10 seconds east along the southern right-of-way line of Bungalow Road a distance of 16.00 feet, more or less, to a point; thence south 44 degrees 15 minutes 00 seconds east, a distance of 119.35 feet, more or less, to a point; thence south 45 degrees 45 minutes 00 seconds West, a distance of 89.64 feet more or less, to a point, which is the southeast comer of Lot No. 5 on the aforesaid plan; thence north 13 degrees 29 minutes 50 seconds west along the eastern line of said Lot No. 5, a distance of 148.40 feet, more or less, to a point on the southern right-of-way line of Bungalow Road, the place of BEGINNING. CONTAINING 6,536 square feet, more or less. IMPROVEMENTS THERE: a residential dwelling known and numbered as 111 Bungalow Road. WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO. 99-6834 CIVIL 42J Term CIVIL ACTION - LAW TO THE SHERIFF OF Cumberland To satisfy the debt, interest and costs due Chase Mortgage Company C/0 White Mountains F/K/A Source One Mort a e_Services Corp. PLAINTIFF(S) from Timothy D. Freeman, 111 Bungalow Road, Enola, PA 17025 (t) You are directed to levy upon the property of the defendant(s) and to sell Sap regal ream; ;on (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is/are enjoined from paying any debt to or for the account of the defendant(s) and from delivering any property of the defendant(s) or otherwise disposing thereof; (3) liproperyof thedefendant(s) not levieduponan subject to attachment is found in the Possession of anyoneother than a named garnishee, you are directed to notify hinVher that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $98,000.27 Interest $9,457.06 from 4/1 4/00 to 9/6/0.0_ Atty's Comm Arty Paid $116.92 Plaintiff Paid Date: June 2, 2000 REQUESTING PARTY: Name Sharon Oras Morgan, Esq. Address: 100 S. Broad Street, Suite 2226 Philadelphia, PA 19110 Attorney for: Plaintiff Telephone: 215-923-2225 L. L. $.50 Due Prothy 91.(1 Other Costs Curtis R. Long Prothonotary, Civil Division Deputy Supreme Court ID No. 60068 REAL ESTATE SALE No. 36 on ` , J ?/ a the sheriff levied upon the defendams interest in the real property situated in Cumberland County, Pa., known and numbered as: P,,, and more hiii, :,escribad on Exhibit "q„ filed with this writ and oy this reference incorporated herein. , w gate: ? By:-JF 0 TIE PATRIOT NEWS Proof of Publication [I nderRct No 587 ninimued May 16 1929 Commonwealth of Pennsylvania, County of Dauphin) ss James L. Clark being duly sworn according to law, deposes and says: That he is the Accounts Receivables Manager of THE PATRIOT-NEWS CO., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of THE PATRIOT- NEWS and THE SUNDAY PATRIOT-NEWS newspapers of general circulation, printed and published at 812 to 818 Market Street, in the City, County and State aforesaid; that THE PATRIOT-NEWS and THE SUNDAY PATRIOT-NEWS were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday and Metro editions/issues which appeared on the 1st, 8th and 15th day(s) of August 2000. That neither he nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That he has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in iscellaneous Book "M", Volume 14, Page 317. / G PUBLICATION COPY SA LE #136 THE SUNDAY PATRIOT NEWS L 'P2000 A.D. Sworn to and subscribed before me.ANs 3011h day?d(Augus REAL ESTATE SALE No.76 wilt No.9mm ClvllTerm '. `Chase Mortgage Company doWhile Mountains flt/a Source One Mortgages Services Corporation Timoth D. Freeman ...Arty:Sha nOres Morgan DE RIPTIOii ALLTIIAT C THIN piece or parcel of land-situate in. st Pimnsboro township, as"shady Lane"by Gerrit 'nc, and recorded in Plan the Of is of the Recorder Notarial Seal Tarr L. Russell. Notary Public Hairiseurg,DaupnlnCounty N ARY PUBLIC My cumnrssio? Expires Juno 6.2002 minission expires June 6, 2002 Member, Pennsylvania Assxialion of Nota ie5 CUMBERLAND COUNTY SHERIFFS OFFICE CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA. 17013 Statement of Advertising Costs To THE PATRIOT-NEWS CO., Dr. For publishing the notice or publication attached hereto on the above stated dates S 268.88 Probating same Notary Fee(s) $ 1.50 Total S 270.38 of Deeds, bounded and described as follows, louitu BEGINNING at a point on elsesouthem LsherIS Receipt for Advertising Cost ncchht- f-wae line of Run almv Road. which I Ht VA I HIUI -NtJevb UU., publisher of THE PATRIOT-NEWS and THE SUNDAY PATRIOT-NEWS, newspapers of general circulation, hereby acknowledge receipt of the aforesaid notice and publication costs and certifies that the same have been duly paid. THE PATRIOT-NEWS CO. By .................................................................... PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 5S7, approved May 16, 1929), P. L.1784 STATE OF PENNSYLVANIA : COUNTY OF CUMBERLAND : ss. Roger A4. Alorgenthal, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz: JULY 28, AUGUST 4. 11, 2000 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that lie is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. REAL ESTATE SALE NO. 36 Writ No. 99-6834 Civil Chase Mortgage Company. C/o While Mountains. f/k/a Source One Mortgage Sen9ces Corporation VS. Timothy D. rrecnnan Atty.: Sharon Oras Morgan ALL THAT CERTAIN piece or par- cel of land situate In East Pennsboro Township. Cumberland County. Pennsylvania, known and numbered as [At No. 6 on resubdn7sion plan of Lots known as "Shady Lane" by Ger- rit J. Betts Associates. Inc., and re. corded in Plan Book .17, Page 59, In the Office of the Recorder of Deeds. hounded and descrihed as follows. to wit: BEGINNING at a point on the southern tight-cifavay line of Bunga- low Road. wild n point is in the north- east comer or Lot No. 5 on aforesaid plan, thence north 76 degrees 30 nnn- Roger M. Morgenthal, Editor SWORN TO AND SUBSCRIBED before me this II day of AUGUST. 2000 IGIG F. SNIAER, Mitory 14?bic CorW* aom. CumbQdonrf County, PA My Commiwt>n Eapi", March 5, tool