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HomeMy WebLinkAbout07-3378GOLDBECK McCAFFERTY & McKEEVER BY: JOSEPH A. GOLDBECK, JR. ATTORNEY I.D. #16132 SUITE 5000 - MELLON INDEPENDENCE CENTER 701 MARKET STREET PHILADELPHIA, PA 19106 (215)627-1322 WWW.GOLDBECKLAW.COM ATTORNEY FOR PLAINTIFF DEUTSCHE BANK NATIONAL TRUST COMPANY AS TRUSTEE FOR MORGAN STANLEY ABS CAPITAL I INC. TRUST 2007-HE1 MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2007-HE1 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 Plaintiff vs. KARA B. KIRK ALLEN D. KIlZK Mortgagors and Real Owners 100 Sgrignoli Lane Enola, PA 17025 Defendants Term • No. 07 -337' ~~~~'~ ~~'~L CIVIL ACTION: MORTGAGE I~fR~CLC~@UflF 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 the Complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment maybe entered against you by the Court without further notice for any money claim in the Complaint of 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. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717-243-9400 CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 AVISO LE HAN DEMANDADO A USTED EN LA CORTE. SI DESEA DEFENDERSE CONTRA LAS QUEJAS PERESENTADAS, ES ABSOLUTAMENTE NECESSARIO QUE USTED RESPONDA DENTRO DE 20 DIAS DESPUES DE SER SERVIDO CON ESTA DEMANDA Y AVISO. PARR DEFENDERSE ES NECESSARIO QUE USTED, O SU ABOGADO, REGISTRE CON LA CORTE EN FORMA ESCRITA, EL IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION -LAW ACTION OF MORTGAGE FORECLOSURE PUNTO DE VISTA DE USTED Y CUALQUIER OBJECCION CONTRA LAS QUEJAS EN ESTA DEMANDA. RECUERDE: SI USTED NO REPONDE A ESTA DEMANDA, SE PUEDE PROSEGUIR CON EL PROCESO SIN SU PARTICIPACION. ENTONCES, LA COUTE PUEDE, SIN NOTIFICARIO, DECIDIR A FAVOR DEL DEMANDANTE Y REQUERIRA QUE USTED CUMPLA CON TODAS LAS PROVISIONES DE ESTA DEMANDA. POR RAZON DE ESA DECISION, ES POSSIBLE QUE USTED PUEDA PERDER DINERO, PROPIEDAD U OTROS DERECHOS IMPORTANTES. USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSEGUIDA. SI USTED NO TIENE UN ABOGADO, VAYA O LLAME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACI~N DE COMO CONSEUIR UN ABOGADO. SI USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS QUE PUEDAN OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717-243-9400 CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 THIS FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. Resources available for Homeowners in Foreclosure ACT NOW! Even though your lender (and our client) has filed an Action of Mortgage Foreclosure against you, you still maybe able to SAVE YOUR HOME FROM FORECLOSURE. 1). Call an attorney. For referrals to a qualified attorney call either of the following numbers: 717-243- 9400 or . 2). Call the Consumer Credit Counseling Agency at 1-800-989-2227 for free counseling. 3). Visit HUD'S website www.hud.g_ov_ for Help for Homeowners Facing the Loss of Their Homes. 4). Call the Plaintiff (your lender) at and ask to speak to someone about Loss Mitigation or Home Retention options. 5). Call or contact our office to request the amount to bring the account current, or payoff the mortgage or request a Loan Workout /Home Retention Package. Call our toll free number at 1-866-413-2311 or via email at homeretention(cr~goldbecklaw tom. Call Seth at 215-825-6329 or fax 215-825-6429. The figure and/or package you requested will be mailed to the address that you request or faxed if you leave a message with that information. The attorney in charge of our firm's Homeowner Retention Department is David Fein who can be reached at 215-825-6318 or Fax: 215-825-6418. Please reference our Attorney File Number of CWD-7678. Para information en espanol puede communicarse con Loretta a1215-825-6344. This Action of Mortgage Foreclosure will continue unless you take action to stop it. COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff is DEUTSCHE BANK NATIONAL TRUST COMPANY AS TRUSTEE FOR MORGAN STANLEY ABS CAPITAL I INC. TRUST 2007-HE1 MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2007-HE1, 7105 Corporate Drive, PTX B-35 Plano, TX 75024-3632. 2. The names and addresses of the Defendants are KARA B. KIRK, 100 Sgrignoli Lane, Enola, PA 17025 and ALLEN D. KIRK, 100 Sgrignoli Lane, Enola, PA 17025, who are the mortgagors and real owners of the mortgaged premises hereinafter described. 3. On August 31, 2006 mortgagors made, executed and delivered a mortgage upon the Property hereinafter described to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC., ACTING SOLELY AS A NOMINEE FOR NEW CENTURY MORTGAGE CORPORATION, which mortgage is recorded in the Office of the Recorder of Deeds of Cumberland County as Book: 1966, Page: 0723. The mortgage has been assigned to: DEUTSCHE BANK NATIONAL TRUST COMPANY AS TRUSTEE FOR MORGAN STANLEY ABS CAPITAL I INC. TRUST 2007-HE1 MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2007-HE 1 by assignment of Mortgage. Plaintiff is the real party in interest pursuant to a purchase or transfer of the mortgage obligation from the last record holder and an Assignment of Mortgage to Plaintiff has been and/or will be lodged for recording with the Recorder of Deeds in the ordinary course of business. The Mortgage and assignment(s) are matters of public record and are incorporated by this reference in accordance with Pennsylvania Rule of Civil Procedure 1019(g); which Rule relieves the Plaintiff from its obligation to attach documents to pleadings if those documents are matters of public record. 4. The Property subject to the Mortgage is more fully described in the legal description set forth as Exhibit "A" ("Property"). 5. The mortgage is in default because the monthly payments of principal and interest are due and unpaid for January O1, 2007 and each month thereafter and by the terms the Mortgage, upon default in such payments for a period of one month or more, the entire principal balance and all interest due and other charges are due and collectible. 6. The following amounts are due to Plaintiff on the Mortgage: Principal Balance ................................ ......$109,898.84 Interest from 12/01/2006 through 05/31/2007 at 9.8400% ....................... 5 390.84 Per Diem interest rate at $29.62 Reasonable Attorney's Fee at 5% of Principal Balance as more fully explained in the next numbered paragraph ...................$5,494.94 Late Charges from 01/01/2007 to 05/31/2007 .............................................$238.04 Monthly late charge amount at $47.61 Costs of suit and Title Search ......................................................................$900.00 Monthly Escrow amount $266.04 $121,922.66 7. If the Mortgage is reinstated prior to a Sheriffs Sale, the Attorney's Fees set forth above maybe less than the amount demanded based on work actually performed. The Attorney's Fees requested are in conformity with the Mortgage and Pennsylvania law. Plaintiff is entitled to collect Attorney's fees of up to 5% of the remaining principal balance in the event the Property is sold to a third party purchaser at Sheriff s Sale or if the complexity of the action requires additional fees in excess of the amount demanded in the Action. 8. Plaintiff is not seeking a judgment of personal liability (or an "i~personam" judgment) against the Defendants in this Action but reserves its right to bring a separate Action to establish that right, if such right exists. If Defendants have received a discharge of their personal liability in a Bankruptcy proceeding, this Action of Mortgage Foreclosure is, in no way, an attempt to re-establish the personal liability that was discharged in Bankruptcy, but only to foreclose the Mortgage and sell the Property pursuant to Pennsylvania law. 9. Notice of Intention to Foreclose and a Notice of Homeowners' Emergency Mortgage Assistance has been sent to Defendants by certified and regular mail, as required by Act 160 of 1998 of the Commonwealth of Pennsylvania, on the date(s) set forth in the true and correct copy of such notice(s) attached hereto as Exhibit "B". The Defendants have not had the required face-to-face meeting within the required time and Plaintiff has no knowledge of any such meeting being requested by the Defendants through the Plaintiff, the Pennsylvania Housing Finance Agency, or any appropriate Consumer Credit Counseling Agency. WHEREFORE, Plaintiff demands a de terris judgment in mortgage foreclosure in the sum of $121,922.66, together with interest at the rate of $29.62, per day and other expenses, costs and charges incurred by the Plaintiff which are properly chargeable in accordance with the terms of the Mortgage and Pennsylvania law until the Mortgage is paid in full, and for the foreclosure of the Mortgage and Sheriff's Sale of the Property. By: .DBECK McCAFFERTY & McKEEVER 70SEPH A. GOLDBECK, 7R., ESQUIRE )RNEY FOR PLAINTIFF VERIFICATION I ~ KfM6ERLYDAWSON,ISTVICEPRESIDENT as the representative of the Plaintiff corporation within named do hereby verify that I am authorized to and do make this verification on behalf of the Plaintiff corporation and the facts set forth in the foregoing Complaint are true and correct to the best of my knowledge, information and belief. I understand that false statements therein are made subject to the penalties of 18 Pa. C.S. 4904 relating to unsworn falsification to authorities. Date ~~ ~~ J -~~ IdM RLYDAWSON, rSTV/CEPRESIDETR #73890785 - KARA B. KIRK and ALLEN D. KIRK E~FiiditA Cumbe~~ parcel a (and and impr~overnenta therein situate ~ the Township of East Penrrabwo, County a arld ~+~nweagh a Pennsylvania, and designated ae Panel No. 4g13129i0215 ar,d mote ~ descried in a Deed dated December t 7, 2448 and recorded Decembeer 22, 2043 in CumberFand County in Dead Book 260. PagQ 4731, granted and oorweyed unb ANen D. Kirk area Kan B. Kirk, t>ue~nd and wife. UNDER AND SUBJECT to all restrictions, easemer-Ts, covenants, condition and agreements of record ~ Certify this to be recorded Tn Cumberland County PA. uS ..3 -~.• f / 1y ~~~g~G~P64~~`~~~ _ __....__ ~_ .v.,. .. ~ to ,,^~rr~nma~.._ ,.. . ~__. -.... __.._ _. _ ~ _,,ra~.,m,_.irr._ ......_ ~E,~hidit ~ ACT 91 NOTICE DATE OF NOTICE: Ma 1 2007 y~ TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. This is an official notice that the mort a e on our home is in default and the lender intends to foreclose. S ecific information about the nature of the default is rovided in the attached Wages The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM HEMAP ma be able to help to save vour home This Notice explains how the ~ro~ram works To see if HEMAP can hel ou must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counselin A~en~ The name address and hone number of Consumer Credit Counselin A encies servin your County are listed at the end of this Notice If you have an~questions you may call the Pennsvlvarua Housing Finance Asencv toll free at 1 800 342 2397 (Persons with impaired heanna can call (717) 780-1869 ) This Notice contains important legal information. If ou have an representatives at the Consumer Credit Counseling Agency may be able to help explainnt. You may also want to contact any attorney in your area. The local bar association may be able to help you find a lawyer. La notification en adjunto es de suma importancia, pues afecta su derecho a continuar viviendo en su casa. Si no comprende el contenido de esta notification obtenga una traduccion immediatamente llamanda esta agenda (Pennsylvania Housing Finance Agency) sin cargos al numero mencionada arriba. Puedes ser elegible para un prestamo por el programa llamado "Homeowner's Emergency Mortgage Assistance Program" el cual puede salvar su casa de la perdida del derecho a redimir su hipoteca. Prepared by: GOLDBECK McCAFFERTY & McKEEVER Suite 5000 -Mellon Independence Center. 701 Market Street Philadelphia, PA 19106 Fax (215) 627-7734 HomeRetention@goldb ecklaw. tom 1 Date: May 1, 2007 TO: KARA B. KIRK Homeowners Name: KARA B. KIRK and ALLEN D. KIRK Property Address: 100 Sgrignoli Lane, Enola, PA 17025 Loan Account No.: 73890785 Original Lender: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC., ACTING SOLELY AS A NOMINEE FOR NEW CENTURY MORTGAGE CORPORATION Current Lender/Servicer: COUNTRYWIDE HOME LOANS INC. HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: * IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, * IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND * IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE -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 one of the designated consumer credit counseling agencies listed at the end of this Notice. DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names addresses and tel hone numbers of designated consumer credit ~~,,,,~Pt;,,~ ~..o,,,.:o,. ~ .. ~ti _ _ _ , .. _ forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE -Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your fact-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION -Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that 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 the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CQNSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT Bring it up to date). NATURE OF THE DEFAULT -The MORTGAGE debt held by the above lender on your property located at: 100 Sgrignoli Lane, Enola, PA 17025 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: (a) Monthly payment from O 1 /01 /2007 thru 5/ 1 /2007 (5 mos. at $1,218.23/month) $6,091.15 (b) Late charges from O 1 /01 /2007 thru 5/ 1 /2007 (c) (d) (e) (5 mos. at $47.61/month) $238.04 Other charges; Escrow, Inspec., NSF Checks Other provisions of the mortgage obligation, if any TOTAL AMOUNT REQUIRED AS OF THIS DATE: $6,329.19 HOW TO CURE THE DEFAULT -You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER WHICH IS $ 6,329.19 ,PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cashier's check certified check or money order made payable and sent to: Attention: Act Letter Department COUNTRYWIDE HOME LOANS INC. c/o Goldbeck McCafferty & McKeever 701 Market Street Suite 5000 Philadelphia, PA 19106 HomeRetention@goldbecklaw.com 866-413-2311 IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON -The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender brings legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES -The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and~prevent the sale at anv time un to one hour before the Sheriffs Sale. You may do so b~ paving the total amount then past due plus anv late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and anv other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing anv other reauirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately four (~ to six (6) months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: COUNTRYWIDE HOME LOANS, INC. Address: 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 Phone Number: 800-669-4576 Work Out Department: 800-669-0102, 877-744-7691, 800-222-9944 Fax Number: 215-825-6441 Contact Person: HomeRetention@goldbecklaw.com EFFECT OF SHERIFF'S SALE -You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -You may sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: * TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. 5 * TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. * TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) * TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. * TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. * TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. Contact: HomeRetention@goldbecklaw.com Phone Number: 800-669-4576 Work Out Department: 800-669-0102, 877-744-7691, 800-222-9944 6 PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES CUMBERLAND COUNTY CCCS OF WESTERN PENNSYLVANIA INC. 2000 Linglestown Road Harrisburg, PA 17102 (717)541-1757 URBAN LEAGUE OF METROPOLITAN HARRISBURG 2107 N. 6th Street Harrisburg, PA 17101 (717) 234-5925 FAX (717) 234-9459 COMMUNITY ACTION COMM OF THE CAPITAL REGION 1514 Derry Street Harrisburg, PA 17104 (717)232-9757 FAX 234-2227 FINANCIAL COUNSELING SERVICES OF FRANKLIN 31 West 3rd Street Waynesboro, PA 17268 (717) 762-3285 YWCA OF CARLISLE 301 G Street Carlisle, PA 17013 (717) 243-3818 FAX (717) 731-9589 ADAMS COUNTY HOUSING AUTHORITY 139-143 Carlisle Street Gettysburg, PA 17325 (717)334-1518 FAX (717) 334-8326 ~~ MoM~ u~uus P.O. Banc 9048 Temecula, CA 92589-9048 Sand Payments To: PO BOX 660684 Dallas, TX 75266-0694 Sand Conesporxlanca to: PO Box 5170, M3 SV314B Simi Valley, CA 93065 I~IIII~II~II~ ~w~~~u~~~~nui~i~~~i~u~~i~~~~ni~i~ui~~~~~ni~~ni~ui~~ alp, ~ w~ 100 SGRIGNOLI LN ENOLA, PA1T02~2952 07020SBL~PA1 PRESORT First-Class Mail U.S. Postageand Fees PaM wso .®Gountryw~de' gone wwNs P.O. Box 660694 Send Payments to: Dallas, 7X 75266-0694 PO Box 660694 Dallas, 7X 75288-0694 February 5, 2007 Allen D Kirk Account No.: 73890785 100 SGRIGNOLI LN Property Address: ENOLA, PA 17025-2952 100 Sgrignoli Ln Enola, PA Cumnt Servicer: Countrywide Home Loans Servicing LP ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This Is an oitticlal notice that the mortgage on vour home Is in defauk and the lender intends to tiorsdose. Sosciflc information about the nature of the default Is orovlded In the attached oases. The HOME0INNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAPI mar bs obis to help to save vour home This Notice exolalns how the grogram works. To see Ii HEMAP can help you must MEET WITH A CONSUMER CREDIT COUNSEL WG AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE Take this Notice with you when you meet wkh the Counseling Agenev. This Notice contains Important legal informaton. k you have any questions, representatlves at the Consumer Credk Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar assoelatlon may be able to help you tlnd a lawyer. LA NOTIFICACICN~1 EN ADJUNTO ES DE SOMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VMENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFK;ACIbN OBTENGA UNA TRADUCCit`N~l INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL Nl1MER0 MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARR UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CURL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): Allen D Kirk PROPERTY ADDRESS: 100 Sgrignoli Ln Enola. PA LOAN ACCT. NO.: 73890785 ORIGINAL LENDER: CURRENT LENDER7SERVICER: r=ourdrvwlde Home Loans Servicing LP HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM j'OU 6eAY BE ELIGIBLE FOR FINA~'L4 ASSISTANNCE WHIGH GA.N SAVE YOLu~ HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS This rommuriason a from a oebt mlgdor. Please verse your acNUnt numoa an all dretts arcl mrreeportlenoa. We rrreY triage you a fee br anY payment returtetl or reptlao oy your arencel tretrwon sugad to apprraok Uv. • Malta your dledr payable to Acxount Number. 73NO7E5a Balance Due for charges listed above: 53,749.91 as of 02f0512007. Caunaywide Home Loans Allen D Kirk • Write yov accourn ntmber on Please updeke•rrei nlom•tonmme reverse sidedms mupan. your dtedc a money ader 100 Sgrignoli Ln • Write in any addtlorel amauna Mditcnsl you are including ip fatal is ~ I more flan 55000, please send BL~Pp1 W certlfled dredr) • Dont attadt your dteck to the aawrei DDaymentcoup~n Esao• • Dont include carespondance Countrywide • Dontsendcash PO BOX 660694 Omer Dallas, TX 75266-0694 t~~, Ilrrrlrlrlrrrirlrllrrrilrrlirrrrllrrl,Irr,lrrllrlrrrlrrlrrlrllirrrl wear Total 073890785600000374991000374991 IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF ' 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPO dRY STAY OF FORECLOSURE -Under the Ad, 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-tape" meeting with one of the consumer credtt counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR _ . __.. _ _ . nv ..roTn_er_c ecekcreturc vrv t CONSUMER CREDIT COUNSELING AGENCIES - K you meet with one of the consumer credit counseling agencies Nsted at the end of this notice, the lender may NOT take action against you for thirty (30) days otter the date of this meeting. mg„ lender immediately of your intentions. tt is only necessary to schedule one face-to-tare meeting. Advise your ePPLIGATION FOR MORTGAGE ASSISTANCE -Your mortgage is in default for the reasons set forth later in this Notice (see Tollowing pages for specific information about the nature of your detautt.) tt you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance tram the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications Tor the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOVY THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION -Available Tunds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after tt receives your application. During that time, no foreclosure proceedings will be pursued against you it you have met the time requirements set torch above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can stNl apply for Emergency Mortgage Assistance.) NATURE OF THE DEFAULT -The MORTGAGE debt held by the above lender on your property located at: 100 Sgrignoli Ln Enola, PA IS SERIOUSLY IN DEFAULT because YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due MonthN Chames: December, 2006 - February, 2007 (3 mos. Q $1,218.231month) $3,854.69 Late Charges: December, 2006 - January, 2007 (2 mos. Q $47.611month) $95.22 Other Late Charges: Total Late Charges: ~•~ Uncollected Costs: ~•~ Partlal Payment Balance: ($0•~) TOTAL DUE: 53+7'~~ YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use ii not aoolicablef HOW TO CURE THE DEFAULT -You may cure the default within THIRTY (301 DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $3,749.91, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY 1301 DAY PERIOD. P vments mu4t be m de eft r by c shiero c.~ec~ c.,rtified deck or money order made oavable and sent to: E-mail use: Prwidirrgg yyour e-mail addmss t~elow will allow us to send you Infamatlon on your accourt Accaurt Number. 7Jl~706 Allen D IOrk E-mail address Fbw rrN p01t yorr Osgm~rls All accepted paymart~ of prindpal aril irYerest will be applied io the longest ouetanding Inslallmert due, unless otherwise expressly prohibited or Ilmtted ty lax. If you submf[ an amount In additlm m your scheduled monthly amourt, we will apply your paymerts as fdlowa: (I) m outatandng monthly payments of pdndpal aril Interest, QI) escrow rkfidendes, (iII) late dkergea and other amounts you owe in mnnedlan with your loan and (N) to reduce the ortstandlrg prlndpel balance of your loan Please spedfy d you want an additlonal amourt applied to fuWre paymertffi, ratharihan prindpal reducdon. Pa1~W dreEYK Courtrywlde's policy u to rot akxep[ postdated checks, uriess spedtplly ageed to by a loan coknsela orredrtidan. Countrywide at P.O. Box 660694, Dallas, TX 75266-0694 IF YOU DO NOT CURE THE DEFAULT - Ii you do not cure the default within THIRTY (301 DAYS oT the date oT this Notice, the lender Intends to exercise Ito rights to accelerate the mortgage debt. This means that the entire outstanding balance oT this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. K lull payment of the total amount past due is not made wRhin THIRTY (301 DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property IF THE MORTGAGE IS FORECLOSED UPON -The mortgaged property will be sold by the Sheritt to pay oft the mortgage debt. H the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you wiN still be required to pay the reasonable altomey's tees that were actually incurred, up to $50.00. However, H legal proceedings are started against you, you will have to pay all reasonable attorney's tees actually incurred by the lender even iT they exceed $50.00. Any attorney's Tees will be added to the amount you owe the lender, which may also include other reasonable costs. If you wre the default within the THIRTY 130) DAY period, you will not be required to pay attorney's tees. OTHER LENDER REMEDIES -The lender may also sue you personally Tor the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - Ii you have not cured the default within the THIRTY 1301 DAY period and Toredosure proceedings have begun, you still have the right to cure the defauR and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorney's tees and costs connected wNh the foreclosure sale and any other costs connected with the Sheriffs Sale as spedfied in writing by the lender and by performing any other requiremerds under the mortgage. Curing your default in the manner set forth in this notlce will restore your mortgage to the same positlon as ii you had never defaulted. FeRr IEST POSSIBLE SHERFF'S SALE DATE_ - It is estimated that the eartiest date that such a Sheriff's Sale of the mortgage property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date oT the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. MOW TO CONTACT THE LENDER: Noma of Lender: Countrywide Nome Loans ServklnQ LP Address: P. O. Box 66069< Dallas, 7X 73266.069 Phone Number: 1800-669-0102 Fax Number: 1-003-377-3432 Contact Person: MS P7X-36 Atfentbn: Loan Counselor EFFECT OF SHERIFF'S SALE -You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. IT you continue to live in the property otter the Sheriff's sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -You may sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YW MAY ALSO FLwyE THE RIGHT: TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUff INSTITUTED UNDERTHE MORTGAGE DOCUMENTS. TO ASSERT ANY OTHER OFFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. Your loan is in default. Pursuant to your loan documents, Countrywide may, enter upon and conduct an inspection oT your a ~ 2202439231 property. The purposes of such an inspection are to (i) observe the physical condition oT your property, (ii) verify that the properly is occupied and/or (iii) determine the identity oT the occupant. H you do not cure the default prior to the inspection, other actions to protect the mortgagee's interest in the properly (including, but not limited to, winterization, securing the property, and valuation services) may be taken. The costs of the above.descrlbed inspettlone and property preservation efforts will be charged to your account as provided In your sewrky Instrument. IT you are unable to cure the detautl on or before March 7, 2007, Countrywide warrts you to be aware of various options that maybe available to you through Countrywide to prevent a foreclosure sale of your property. For example: • Repayment Plan: It is possible that you may be eligible for some form of payment assistance through Countrywide. Our basic plan requires that Countrywide receive, up front, at least Y: of the amount necessary to bring the account current, and that the balance oT the overdue amount be paid, along with the regular monthly payment, over a defined period of time. Other repayment plans also are available. • Loan Modification: Or, it is possible that the regular monthly payments can be lowered through a modification of the loan by reduclng the interest rate and then adding the delinquent payments to the current loan balance. This foreclosure aftemative, however, is limited to certain loan types. • Sale of Your Property: Or, iT you are willing to sell your home in order to avoid foreclosure, ~ is possible that the sale of your home can be approved through Countrywide even H your home is worth less than what is owed on it. • Deed-in-0ieu: Or, if your property is free irom other liens or encumbrances, and H the default is due to a serious financial hardship which is beyond your control, you may be eligible to deed your property directly to the Noteholder and avoid the foreclosure sale. Ii you are interested in discussing any oT these foreclosure aftematives with Countrywide, you must contact us immediately. Ii you request assistance, Countrywide will need to evaluate whether that assistance will be extended to you. In the mearntlme, Countrywide will pursue all of its rights and remedies under the loan documents and as permitted by law, unless it agrees otherwise in writing. Failure to bring your loan current or to enter into a written agreement by March 7, 2007 as outlined above will resuR in the acceleration oT your debt. Time is of the essence. IT you have any questions concerning this notice, please contact Loan Counseling Center immediately at 1-800-669-0102. APPENDIX C PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSfSTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES ADAMS COUNTY ARMSTRONG COUNTY CCCS of Western PenrryslvaNa, Inc. American Red Cross - Harwver Chapter CCCS of Western PennyyNania Inc. 217 E. Plank Reed 529 Carl'wle Street 217 E. Plank Road Altoona, PA 16602 Hanove , PA 17331 _ Altoona, PA 16602 Ph: 8149448100 Ph: 717-637-3768 Ph: 814944-8100 Fax 814-944-5747 Fax: 717-637-3294 Ph: 814944-5747 Tableland Services, Inc. Flnaincis! Courlseling Services of Franklin Credit Counselors of PA 535 East M~r1 Street 31 West 3id Street 401 Wood Street Sanerset, PA 15501 Waynesboro, PA 17268 Suite 908 Ph: 814-445-9628 Ph: 717 782285 Pittsburgh, PA 15222 Ph: 800-452-0148 Pit: 412-338-9954 FaK 814443-3690 CCCS d Western PA Ph: 80(5.737-2933 2000 Lingletown Road Fax: 412-338-9963 BERKS COUNTY Harrisburg, PA 17102 Budget Counseog Center Ph: 717-541-1757 Indiarre Co. Community Action Program 247 WoAlt Fdih Street Ph: 717-541-4670 827 Water Street Reading. PA 19601 Booc 187 Ph: 610.375-7866 Adams County Housing Autliority Indiana, PA 15701 Fax 610.375-7630 139-143 Car4sle St Ph: 724-465-2657 Gettysburg, PA 17325 Fax 724x165-51 i8 Economic Opportunity Cabinet of 5chuylkdl Ph: 717-3341518 County Fax 717-334-8328 BEAVER COUNTY 225 N. Cure Street Adiat Housing, Inc. Pottsville, PA 17901 ALLEGHENY COUNTY 42b Bw Avenue Ph: 717-822-1995 Pennsyhranm Housing Finance Agency Suite 950 Fax: 717.822-0429 (Marica Ness) Pittsburgh, PA 15219 2275 Swallow HII Road Ph: 412-391-1958 CCCS of Lehigh Valley Bolding 200 Fax. 412-391-4512 3871 Crescent Court East P[ttsburgh, PA 15220 Whitehall, PA 18052 Ph: 412-429-2842 Houskg OpportuniY~es of Beaver Co., bic. Ph: 810.821-4011 Fax 412-429-2835 650 Corporslion Street Ph: 80D-220-2733 (814 only) ~g 207 Fax 810.821-8932 Action Housing, Inc. Beaver, PA 15009 425 6~' Avenue Plt: 724.728-7511 Community Housing Counsebr, Ire. SuRe 950 Post Oflks Box 244 Pittsburgh, PA 15219 CredR Counseors ~ PA Kemett Square, PA 19348 Ph: 412391-1958 401 Wood Stre~ Ph: 610-444.3882 Ph: 412-281-2102 Suge 908 Fax 610.444-8243 Ph: 800-792-2801 Pktsburgh, PA 15222 Fax 412.991.4512 Ph: 412-338-9954 FLAIR COUNTY Ph: 800-737-2933 Bedford-Fulton Fbusing Services CCCS d Western Pennsylvania, inc. Fax: 412-338-9983 R.D. 1, Scot 384 3~ S ~~ Everett, PA 15537 Pittsburgh, PA 15222 Mon-Vevey Unemployed Committee Ph: 814.623-9129 Ph: 412-471-7584 120 E. 9° Avenue Fax 814.823-7187 Homestead, PA 15120 Urban league of Pittsburgh Ph: 412-482-9962 CCCS of Western Pennsylvania, Inc. Building ~ ~~ OPPa tuMtY Ph: 412-482-9964 217 E. Plank Road One Smtttrl~kl Street Altoona, PA 16802 Pittsburgh, PA 15222 2222 l-iousing Opportunities Inc. Ph: 814944.8100 Ph: 412-227-4802 133 Seventh Street Ph: 814-9445747 Fax 412-281-5207 Post Office Banc 9 5134 De ebpmerN Corp. s Mon-Va11e5r Unempbyed Committee Ph~ 412-664-1908 ~ ~ Grace Lan 120 E. 9'" Avenue Fax: 412-664-0873 Johnstown, PA 15901 Homestead, PA 15120 Ph: 814535-8558 Ph: 412-462-9982 BEDFORD COUNTY Fax: 814539-1688 Bedford-Fuhon Housing Services Credit Cotx~elors of PA 10241 Uncoln Highway Weathedzation Offce 401 Waod Street Everett, PA 15537 917 MWIrt Street Suite 906 Ph: 814-623.9129 HunBrtgtkn, PA 18652 Pittsburgh, PA 16222 Fax: 814823-7187 Ph: 814843-2343 Ph: 412338-9954 Ph: 800-737-2933 Keystorre Ecarantio Developnx:ynt BRADFORD COUNTY Fax 412338-9963 Corporation ~C3 of Northeastern Pemsvtvar>ia 1954 Mary Grace Lane 1400 Abington F_xec~u8ve Park Community Action Souttrvvest Johnstown, PA 15901 Suke t 22 West Flgh Stre& Ph: 814535-6558 Clarks Summitt, PA 18411 Wayneslwrg, PA 15370 Fax 814539-1688 Ph: 570-587-9163 Ph: 724852-2893 Ph: 800.922-9537 Weatherization Office Fax 570.587-9134 Housing Opponuniees 917 MlBin Street Fax 57Q•587-9135 133 Seventh Street fiuntingdon, PA 16652 Past Office Sax 9 Ph: 814.843-2343 31 W. Market Street McKeesport, PA 1b132 Wilkes-Bane, PA 18702 Ph: 412-884-1908 Ph: 670-821.0837 Fax 412-864-0873 Ph: 800.922.9537 Fax 570.821-1785 s sawn 7d' Street CCCS a I7elawere valley cccs a w~tem PA Stroudsburg. PA 18360 Trevose Corporate Center 219-A Cofiege Park Plaza Ph: 57x42x8980 4608 Street Road Jatrtslown, PA 15904 Pn: 800.922-8537 Trevose, PA 19047 Ph: 814539-6335 Fax: 570-420-8981 Pfl: 215-563-5685 CCCS of western PA 1631 S. ANterton Street CCCS of Lehigh Vafiey 217 E. Plank Flood Suite 100 3671 Crescent Court East Altoona, PA 16602 State Cdlege, PA 18801 Whitehall, PA 18052 Ph: 814944-8100 Ph: 814238-3668 Ph: 61x821-4011 Fax: 814944-5747 Fax: 814238-36811 Ph 800-220-2733 Fax: 81x821-8932 Keystone Eton Development Corp. The Trehab Otter a( Northeastern PA 1954 Mary Grace Lane 10 Public Avenue American Credit Cotxtselina lnstfiute Johnstown, PA 15901 Montrose, PA 18801 845 Coates Street Ph: 814-535-6556 PFti: 57x278-3338 Cca~svple. PA 19320 Fax: 814-539-1888 Ph 800-982-4045 Ph: 888-212-6741 Fats 570-278-1889 Tableland Services, iris. 144 E. Dekab Pike 535 East Main Sired German Street King of Prussia, PA 19406 Somerset, PA 15501 Past Office Bcrt 389 Ph: 61x971-2210 Ph: 814-445-9828 Dushae, PA 18614 Fax; 610-265-4814 Ph: 800.452-0148 Ph: 57x928-9868 Fax: 814.4433690 Fats 570-928-8144 755 York Road Suite 103 CAMER N COUNTY 33 W aktut Sired Warminster, PA 18974 Northam Trey Commiutily Actlat Corp. WeHsbao, PA 16901 Ph: 215-4449429 Post Office Box 389 Plt: 570.724-5252 Fax: 215-956.6344 135 west 4°i Street Fax: 5707245783 Emporium, PA 15834 BUTLER COUNTY Ph: 814-486-1181 165 Elmira Street Action Raising, Inc. Fax: 814486-0825 Post Offk:e Box 218 425 6~ Avenue Troy, PA 16947 Suke 950 CCCS of Northeastern PA Ph: 57x297.2101 Pittsburgh, PA 15219 1831 S. Atherton Street Ph: 412-391-1956 Suite 100 103 Warren SVed Ph: 412-281-2102 State Cdlege, PA 16801 Post Otlice Burr 709 Ph: 814.238~G68 Tunkhannock, PA 18857 tiousirig Opportunllies, Inc. Fax: 814238-3869 Ph: 570-838-6840 650 Corporate St. Fax 57x836.63.32 Suite 207 CCCS of W astern PA McKeesport, PA 15132 217 E. Plank Road 931 Main Street Ph: 412-864-1590 ANoona, PA 16802 Fbnesdale, PA 16431 Fax: 412.664.0873 Ph: 814-944-8100 Ph: 57x253-6941 Fax 814-944-5747 Fax: 570-253-4817 Ftausing Opportunities, Inc. 133 Seventlt Strad CARBON COUNTY BUCKS COUNTY Past Office Box 9 EOC of ScMylkil Caxriy Atom Housing Corporation FAd<eesport, PA 15134 225 N. Centre Street 846 Ndtlt Broad Street Ph: 412-664-1906 Pottsville, PA 17901 PMaddphia, PA 19130 ~ Fax: 412-664-0873 Ph: 57x622-1995 Ph: 215-785-1221 Fax: 57x822.0429 Fax: 215-785-1427 fxCS of Western PA YMCA Building CCCS d Lehigh Valley Bucks County Fbusing Grarp, Inc. 339 North WasNngton Street 3671 Cresent Court East 140 East Wcttardson Avenue Butler, PA 16001 Whitehall, PA 18062 Lartghome, PA 19047 Ph: 724-282-7812 Ph: 810-821-4011 Ph: 21&750-4310 Ph: 800-220-2733 (717 and 814 Doty) Fax: 215-75x4318 Mon-VaAey lkternployed Commktee Fax: 61x821-0137 120 E. 9° Avertua RACE fiamestead, PA 15120 CCCS of Norfiieastem PA 187 AYegtterry Avenue, 2nd Fkxx Ph: 412-482-9962 1400 Abington F_xacutlve Park Pltf~delpttia, PA 19140 Fax: 412-462-9964 Suite 1 Ph: 215-426-8025 Clarks Summitt, PA 18411 Fax: 215-426.9122 Credit Counsebrs of PA Ph: 570.5117-9163 401 Wood Sired, Suite 908 Ph: 800-922-0537 Community Development Corp. of Pittsburgh, PA 15222 Fax 57x567-9134 Frertlcford Ph: 41238-9954 Fax: 570-587-9136 4620 Grissom Street Ph: 800.737-2933 Pttiladelpttta, PA 19124 Fax: 412-338-9963 9 South 7d' Street Ph: 215-744-2990 Stroudstxxg, PA 18360 Fax 215-7442012 CAAABRIA COUNTY Ph: 570.420.8980 Bedford-Fufion Housing Servkes Ph: 80x922-9537 Northwest Counsexng Service R.U. 1, Box 384 Fax: 57x420-8981 5001 North Broad Strad Everett, PA 15537 Philadelphia, PA 19141 Ph: 814.623-9129 Commission on ECatartic Opportunity of Ph: 215-3247500 Fax: 814.8x1-7187 Ltrzame County Fax: 215-3248753 163 Amber Lane Irxfiana Cry Commur~ryr Acton Program WWces-Barre, PA 18702 cccs or Delaware valley 1127 water street Boos 187 Ph: 57x826-olio 1575 Market Street-Suite 1325 Indiana PA 15701 Ph: 800.822-0359 Philadelphia, PA 19107 Ph: 412-465-2657 Fa>c 570-829-1685-CaNbeforefaxing Ph: 215-583-5665 Fax 412-465-5118 Ph: 570.455-4994 - Hazeltan Fax: 215-864-2866 Fax: 57x455-5831 - Gaq before taxing Pn: 57x836-4090 - Tunkhannxk 31 W. Market Street CCCS of Delaware Valley CCCS of Western PA Wigces-Barre, PA 18702 1515 Market Street 219-A College Park Plaza Ph: 570821-0837 Suite 1325 Johnstown, PA 15904 Ph: 800-922-9537 Philadelphia, PA 19107 Ph: 814539-63115 Fax: 570.821-1785 Ph: 215-583-5685 Fax: 215-563-7020 CLINT~1 COUNTY 1631 S. Atherton Street Lytromirg-Clktton Counties Suite 100 Conxrwnigr Flatairtg Counseling Inc. Commission for Camrtturtity Acton (STEP) Stave Cottage, PA 18801 Post Office Box 244 2138 Lhrcoirt 3treat Ph: 814238-3888 K~tr1Ht Square, PA 19348 Post Office Boot 1328 Fax 814238.3669 Ph: 810.444-3882 ~ Williamsport, PA 17703 Fax: 610-444-8243 Ph: 570 9260587 CENTRE COUNTY ~ ~ Fax: 570322-2197 CCCS at W astern Pennsylvania, Inc. PhNa Counci for Comrtwrtily Adv 217 E, Plank Rand 100 North t7d' Stre~ CCCS of Northeastern PA Altoona, PA 16602 Suite 600 201 Basin Street Ph: 814944-8100 Philadelphia, PA 19103 Wiltamspoft, PA 17703 Fax 814944-5747 Ph: 215-587-7803 Ph: 570-323-6827 Fax 215-963-9941 Fax: 570923.6628 Lycaming-giMon t;o. Comm. For Camrnurdty ACtbrt Community Developmeru Corp ~ CCCS of Northeastern PA (STEP) Franldord 1631 S. Atlferton Street 2138 Lincoln Street Group Ministry State 100 post Office goer 1328 4620 Grissom Street State Calege, PA 16801 Wi6amsport, PA 17703 Philadelphia, PA 19124 Ph: 814238-3668 Ph: 570.3260587 Ph: 215-744-2990 Fax: 814238-3669 Fax 570922-2197 Fax 215-744-2012 COLUMBIA COUNTY CCCS of Northeastern PA CCCS of Delaware Valley CCCS of Naiheastem Perxtsldveoia 1631 S. Atherton Street Marshall Bufidkog 31 W. Market Street Suite 100 790 E. Market Street Post Office Bcoc 1127 State Colege, PA 18801 Suite 215 W Itltes-Bane, PA 18702 Ph: 814-238-3668 West Chester, PA 19382 Ph: 570821-0837 Fax 8142363669 Ph: 215-563-5665 Ph: 800922-9537 Fax: 570.821-1785 CCCS of Northeaetem PA American Credd Courtselinc Instfiute 201 Basis Street 845 Coates Slre~ Commission an Economic Opportunity of WflNarnsport, PA 17703 CoatasWAe, PA 19320 Luzertte County Ph: 571}323-6827 Ph: 888.212-6741 183 Archer Lane Fax: 570-323.6628 WiUces-Barre, PA 18702 144 E. Dekab Pike Ptr. 570.8260510 CHF~TER COUNTY IGnO of Prussia, PA 19408 Ph: et>0.822.0059 Atom Fbusitg Corporation Ph: 610971-2210 Fax 570.829-1665 - CaA before fatdrtg 846 North Broad Street Fax 610-265.4814 Ph: 570-455-4994 - IiazeNon Phwadelphia, PA 19130 Fmc 570-456-5631 - CaM before faxing Ph: 215-765-1221 755 York Road Ph: 570836-4090 - Turdchannock Fax 216-785-1427 Suite 103 Warmirtster, PA 18974 1400 Abington Eomcufive Park gadget Cottnsefxog Center Ph: 215.444-9429 Suite 1 247 Nash FdUI Street Fax 215-956.6344 Clarks Summits, PA 18411 Reatlirtp, PA 19601 Ph: 570587-9183 Pk 670975-7866 CLARION COUNTY Ph: 800.822-9537 Fax 215375.7830 CCCS of Western Pennsylvania, Inc. Fax 570.587-9134 YMCA BuilWng Fax 570587-8135 RACE 339 North Washington Street 167 W. Allegheny Avetwe Butler, PA 18001 ~RAINFORD COUNTY 2nd Floor Ph: 412-282-7812 Booker T. Washington Center Phladelphia, PA 19140 1720 Holland Street Ph: 215-428-8025 r•-r~~IELD COUNTY Erie, PA 16503 Fax 215-426-9122 Keystone Economic Development Ph: 814.453-6744 Corporaliai Fax 814453-5749 Media FeAowshlp Horse 1954 ~ Grace Lane 302 S. Jackson Street Jahnstouvn, PA 15901 Jahn F. Kennedy Center, Inc. Media, PA 18063 Ph: 814635-6558 2021 East 20^ Street Ph: 810-586-0848 Fax 814539.1888 Erie, PA 16510 Fax 810.665-8567 Ph: 814-898.0400 CCCS of Wessem Pennsylvania, Inc. Fax 8148961243 Tabor Community Services, Inc. 217 E. Fiords Rued 439 E ICktg Street ~ Altoona, PA 16602 Greater Erie Communly Actoon Committee Lancaster, PA 17602 Ph: 814944-8100 18 West 9d' Street Ph: 717-~7-5182 Fax 8144344-5747 Eria, PA 16501 Ph: ~0.788-5062 (H.O. only) Ph: 814-459-4581 Fax 717-399.4127 Indiana Co. Community Action Fax: 814-4560161 Program --- American Red Cross of Chester 827 Wffier Stre~ Shenango Valey Urban League, inc. 1729 Edgemant Avenue Box 187 801 htdiana Avenue Chester, PA 19013 Irxiarta, PA 15701 Farrefi, PA 18121 Ptx 810-8741484 Ph: 724-465-2657 Ph: 412-981-5310 Fax 724-465-51 i8 Northuvest Counseling Servkres CUMBERLAND COUNTY 5001 N. Broad Street CCCS of Northeastern PA CCCS of Western PennsYArarda, inc. 1'hiladelpFira, PA 19141 1831 S. Atherton Street 2000 Unglestown Road Ph: 2153247500 Suite 100 Harrisburg, PA 17102 Fsx 215-3248753 State College, PA 16801 Ph: 717-541-1757 Ph: 814-236-3869 Fax 814-238.3669 Urban league d iWetropoitart Harrisburg ACq CCCS d Western Pennsylvania, Inc. N. 6° Street 175 Strafford Avenue 1 North Gale Square Harrisburg, PA 17101 Suite 1 2 Carden Center Drlve Ph: 717-234-5925 Wayne, PA 19087 Greensburg, PA 15601 Fax 717-234.9459 Ph: 610.971-2210 Ph: 724-838-1290 Fax: 610.697-7860 Community Action Comm. d the Capital _ Tableland Services, Inc. R~I~ Northwest CounseYng ServviCe 131 North Center Avenue 1514 Derry Street 5001 North Broad Street Somerset, PA 15501 Harrisburg, PA 17104 Philadelphia, PA 19141 Ph: 814-445-9628 Ph: 717-232-9757 Ph: 215-3247500 Faoa 814-443890 Fax 717-2342227 Fax: 215-0248753 Mart Valley Unempktyed Comrrr-tee Fnancial CounseBng Services d Frankifn RACE 120 E. 9° Avenue 31 West 3id Street 167 W. Allegheny Ave., 2n° Floor Homestead, PA 15120 Waynesboro. PA 17268 Philadelphia, PA 19140 Ph: 412-482-9982 Ph: 717-762-3285 Nh: 215-426-8025 Fax: 215-426-9122 Communityy Aotiort Southwest YWCA d Carlisle 22 West High Street 301 G Street Corrtrrtrrrtity Housing Counselor. Inc. Waynesburg, PA 15370 Cariisls, PA 17073 Post Office Boa 244 Ph: 724.852-2893 Ph: 717-243-3818 Kemett Square, PA 19348 Fax 717-731-9588 Ph: 610-444-3882 Fayette Co Community Action Agency, Inc. Fax: 610-4448243 137 North Beeson Avenue Adams County Housing Autlmrlty UniaMOwn, PA 15401 139-143 CarSSle Street Community Devel Corp d Franktord Ph: 724-437-fi050 Gettysburg, PA 17325 Group Ministry Ph: 800-427-INFO Ph: 717-334-1518 4620 Griscom Street Fax: 724-437-4418 Fax: 717-334-8328 Phladelphie, PA 19124 Ph: 215-7442990 CCCS d Western PA DAUPHIN COUNTY Fax: 215-744-2012 199 Edison Street CCCS d Western Pennsylvania, lrx:. tlniornown, PA 15401 2000 LYgleslown Road CCCS d Delaware Valley Ph: 724439-8939 Harrisburg, PA 17102 280 North Prwidertce Road Ph: 717.541.1757 Media, PA 19083 FOAEST COUNTY Fax: 717-541-4870 Ph: 215-563-5865 Warr~--Forrest CotxtHes Economic Opportunity CouncA ComrrxWty Action Commission d ttie ACq 204 U'berty Strad Capital Regton 144 E. Dekalb Pike Past Offxe Box 547 1514 Derry Street Kxg d Prussia, PA 19408 Warren, PA 16385 Harrisburg, PA 17104 Ph: 610-971-2210 Ph: 814726-2400 Ph: 717-232-9757 Pager: 610-973-6219 Fax 814723-0510 Fax 717-2342227 ELK COUNTY FRIWKLIN COUNTY Urban League d Metropolitan Hartisburg John F. Kennedy Center, Inc. Financial Services Llrtlimited 2107 N. 6° Street East 20° Street 31 West 3"t Street Harrisburg, PA 17101 Elie, PA 16510 Waynesboro, PA 17288 Ph: 717-234-5925 Ph: 814898-0400 Pfx 717-782-3285 Fax 717-2349459 Fax 814898-1243 CCCS d Weatem Pennsylvania, Inc. DELAWARE COUNTY Northam Tier Community Action Corp 912 Scuth George Street Acorn l-lousing Corpaatlon 2021 York, PA 17403 846 North Broad Street Post Olflce Box 389 Ph: 717-846-4178 Philadelphia, PA 19130 135 West 4° Street F'h: 215-765-1221 F~ttporlum, PA 15834 Community Action Commission d Capital Fax 215-765-1427 Ph: 814486-1161 Regbrt Fax 814488.0825 1514 Derry Street CCCS d Delaware Valley Harrisburg, PA 17104 1515 Markel Street EAIE COUNTY Ph: 717-232-9757 Suite 1925 Booker T. W ashirgton Center Fax 717-234-2227 Phiadelphia, PA 19107 1720 Hdland Street Ph: 215.563-5665 Erie, PA 16503 CCCS d Western PA Fax: 215.8642866 Ph: 814453-5744 2000 Lingiestown Road Fax 814-453-5749 Harrisburg, PA 17102 Media FeNowsNp House Ph: 717-541-1757 302 3. Jackson Street Jdtn F. Kennedy Center,lnc. Fax 717-541-4670 Media, PA 19063 2021 F~sl 20* Street Ph: 610-565.0848 _ Erle, PA 16510 YWCA d Carlisle Fax B10.565-8567 Ph: 8148-0400 301 G Street Fax: 814898-1243 Carlisle, PA 17013 PhBar~phia Cotxtcil for Community 1'tt: 717-243.3818 Advancement Greater Ede Commtxtity Action Fax 717-2433948 100 North 17° Street CommNlee Suite 800 18 West 9° Street Amerk~rt Red Cross-Flarrover Chapter Philadelphia, PA 19103 Ede, PA 16501 529 Carlisle Street Ph: 215-587-7803 Ph: 814459-4581 Hanover, PA 17331 Fax 215-963-9941 Fax 814456-0181 Ph: 717-837.3768 ' Fax 717-6373294 American Red Cross d Chester FAYETE CWNTY 1729 Edgmont Averwe Action Houskg, Inc. Urban Lea~tre d Melropodtan Hbg. Chester, PA 19013 425 6° Avenue 2107 N. 8 Street Ph: 610-874-1484 Suite 950 Hartisburg, PA 77101 Pittsburgh, PA 15219 Ph: 717-234-5925 Ph: 412-391-1956 Fax 717-2349459 Ph: 412-281-2102 Fax 412-391-4512 Adana Caxtty Housing Authority Indfarra Co Community Action Pragrem LAWRENCE COUNTY 139 -143 CarIIsM Street 827 Water Street, Box 187 CCCS of Western Penrrsvhrania Gettysburg, PA 17325 Indiana, PA 15701 t' Federal Plaza Ph: 717.934-1518 Ph: 724465.2657 Suite 408 F~c: 717-394-8326 Fax 724465.5118 North Mtll Street New Castle, PA 18101 FULTON COUNTY CCCS of Western PA Ph: 724852-8074 gad(ord-Fulton tiaukrg Services 21&A Cdlege Park Plaza R.D. 1, Box 384 Johnstown, PA 15!704 312 Chestnut Street Everett, PA 15537 Ph: 814539-6335 Suite 227 Ph: 814-62&9129 Meadv~ls, PA 18335 Fax 814-823-7187 JEFFERSON COUNTY Ph: 814333.8570 John F. Kennedy Center, Inc. CCCS of Wesiem Pennsylvania, Inc. 2021 East 20« Street Shenargo Valley Urban League, inc, 912 South George Street Erie, PA 16510 601 Indiana Avenue York, PA 17403 Ph: 814.898-0400 Farrell, PA 16121 Ph: 717-848.4176 Fax: 814898-1243 Ph: 724 981-5 3 10 Financial Counseling Services of Franklh Indiana County Community Action Hatsing OpporturtiNes of Beaver County 31 West 3f° Street Program 650 Corpaation St. Waynesboro, PA 17288 827 Water Street, Box 187 Suite 207 Ph: 717-762-3285 indlana, PA 15701 Beaver. PA 75009 Ph: 724-465-2657 Ph: 724728.7202 Wgetttedzation Office Fax 724-465.5118 Fax 724728-7202 917 Mifflin Street Humirtgdon, PA 16652 CCCS of Western Pennsylvania, lnc. LEBANON COUNTY Ph: 814843.2343 YMCA Building Economic Opportunity Cabinet of SCtwytlcill 339 North W ashrngton Street County ~9EENE COUNTY Butler, PA 16001 225 North Centre Street Action Housing, Inc. Ph: 724-282-7812 Pottsville, PA 17901 425 B'" Avenue Ph: 570-822-1995 Stile 950 JUNIATA COUNIlP Fax 570.622-0429 Pittsburgh, PA 15219 CCCS of Western Pennsylvania, Inc. Ph: 412-391-1956 217 E. Plank Road Tabor Community Services, Inc. Ph: 412-281-2102 Altoona, PA 16602 439 E. KVg Street Fax: 412391-4512 Ph: 814944-8100 Lancaster, PA 17802 Faoc: 81 49 4 45747 Ph: 717397-Si82 Community Action Southwest Ph: 600-788-5062 22 West ~ Street Weathetizatlon Office Fax: 717399-4727 Waynesburg, PA 15370 917 Nrdflin Street Pry: 724-852-2~3 Huntingdon, PA 16652 LEHIGH COUNTY Fax: 724-627-7713 Ph: 814643-2343 CCCS of Lehigh VaNey 3671 Crescent Court East Man-Valey Unemployed Canmiltes LAC~CAWANNA COUNTY WhileheU. PA 18052 720 E. 9* Averttte CCCS of Northe'astem Pennsvlvartia Ph: 810.821-4011 F~lorrrestead, PA t5720 31 W. Market Street Plt: 806.220.2733 (717 and 814 only) Ph: 412-462-9962 Post Offk:e Bolt 1127 Fax 610.821-8932 Fax 412-482-9964 Wllkes-Barre, PA 18700. Ph: 57 0 82 1-0 8 37 F_conornic Opportunity Cabinet of Schuypall CCCS of Western Pennsylvania. Inc. Ph: 800-922-9537 County 1 North Gate Square Fax 570821-7785 225 North Centre Street 2 Garden Center Drive Pottsvltle, PA 17901 Greensburg, PA 15601 1400 Abington Executive Park Ph: 570-622-1995 Ph: 724838-1290 Suite 1 Fax 570-622-0429 Clerks Summitt, PA 18411 HUNTINGDON COUNTY Ph: 570.587-9163 LUZERNE COUNTY Bedford-Fulan Housing Services Ph: 800955-9537 CCCS of NoAheastem Penntiylvania R.D. 1, Box 384 Fax 570587-8194 37 W. Market Street Everett, PA 15537 Fax 570587-9135 Post Oltke Bmt 1127 Ph: 814623-9129 Wilkes-Barre, PA 18702 Fax: 814.623.7187 ~MICASTER COUNTY Ph: 570.821-0837 Commonly Housing Counsebrs, Ph: 800-922-9537 Wea1f>edzatiort Office incorporated Fax 570-821-1785 917 Miffin Sueel Post Office Box 244 Ftunlirgdon, PA 16652 Kennett Square, PA 19348 1400 Abirtgtan Executive Park Ph: 814-643-2343 Ph: 215-444-3882 Suite 1 Fax 215.444-3778 Clarks Summitt, PA 18411 CCCS of Western Pennsylvania, Inc. Ph: 570587-9183 217 E. Plank Road CCCS of Western Pertrtsylvania, Inc. Ph: 800-955-9537 Altoona, PA 18802 912 South George Street Fax 570-587-9134 Ph: 8149448100 Yak, PA 17403 Fax: 570.587-9135 Fart 8149445747 Ph: 717-846-4176 Commission on Economic Opportttntty of WDIANA COUNI'1f CCCS of Lehigh Valley Luzerne County CCCS of W astern Pennsylvar>fa, ktc. 31371 Crescent Cant Fit i63 Amber Lana 1 North Gate Square WhltehaN, PA 18052 Wakes-Barre, PA 18702 2 Garden Center Drive Ph: 215-821-407 i Ph: 570-826-0510 Greensburg, PA 15601 Ph: 800-2202733 (717 and 814 aNy) Ph: 800.822-00.59 Ph: 724838.1290 Fax 215-821-8932 Fmc 570.829-1885 - Catl before taxing Ph: 570455-4994 - Hazeltat Keystone Economic Development Tabor Cammunlly SenAces, Inc. Fax 570.455-5631 - CNI before f~dn9 Corporation 439 E. King Street Ph: 570836-4090-Tunkhannock 1954 Mary Grace Lane Lancaster, PA 17602 Johnstown, PA 15901 Ph: 717397-5182 EOC d Schuytlcil County Ph: 814535.6556 Ph: 800-786-5062 225 North Centre Street Fats 8145-1888 Faoc 717-399-4127 Pottsville, PA 17901 • Ph: 570622-1995 Fax 570822-0429 LYC0M84G COUNTY t:r•.rS of Nortlieastem Pennsvlvartia 31 W. Market Street Poet OHk;e Bcor 1127 WEces-Barre, PA 18702 Ph: 570-821-0837 Ph: 800922-9537 Fax 570821-1785 1400 Abington Executive Park Suite 1 Clarks SummltL PA 18411 Ph: 570-587-9163 Ph: 800-rJ22-9537 Fax: 570587.9134 Fax: 570-587-9135 201 Basin Street WNfiamsport, PA 17703 Ph: 57023-8627 Fax: 570-323.6t~8 Lycoming-CUntan Coumies Commission for Community Action (STEP) 2138 Lkicoln Street Pont Office Bcrt 1328 Wilfiarnsport, PA 17703 Ph: 570328-0587 Fax: 570-322-2197 9 South 7r' Street Stroudsburg, PA 18360 Ph: 570-420-8980 Ph: 800.922-9537 Fax: 570.420-8981 1400 Abington Executive Park Suite 1 Clarks Summitt, PA 18411 Ph: 570-587-9163 Ph: 800-922-9537 Fax: 570-587-9134 Fax 570-587-9135 Canm on Ecorrornic Opportunity of Luzeme County 163 Amer Lane Wtlkes-Barre, PA 18702 Ph: 570-828.0510 Ph: 800-822-0359 Fax: 570629-1665 -Call before fa>ong Ph: 570-455-4994 - Hazellar Fax: 570455-5831 -Call before faxing PIx 570-836.4090 - Tunkharmock MONTGOMERY COUNTY Acorn Housing Corporation 846 North Broad Street Philadelphia, PA 19130 Ph: 2i5-765-1221 Fax 215-765-1427 McKEAN COUNTY John F. Kennedy Center, Inc. CCCS of Delaware Valley 2021 East 20" Street Norristown Business Gather Erie, PA 16510 190 W. Germantown Pike, Suite 140 Ph: 814898-0400 Norristown, PA 19401 Fax 814898-1243 Ph: 215.563-51165 Northam Tier Communiy Acibrr Group Post Oltke Box 389 135 W. 4w SfreN Empodum, PA 15834 Ph: 814-486-1161 Fax 814-486-0825 MERCER COQ Shenango Valley Urban League, inc. 801 Indiana avenue FarreA, PA 16121 Ph: 724-981-5310 CCCS of Western Pennsylvania, Inc. YMCA Bufiding 339 North Washirigtort Street Buller, PA 18001 Ph: 724282 7812 MIFFLIN COUNTY CCCS of Western Pennsylvania, Inc. 217 E. Plank Road Altoona, PA 18602 Ph: 814-9448100 Fax 814-944-5747 CCCS of Northeastern Pennsylvania 1631 S. Atherton Street st,lte loo State Cogege, PA 16801 Ph: 814238-3666 Fax 814238-3669 Weathedzatbn Office 917 Mfiflfrt Street Huntingdon, PA 16652 Ph: 814-643-2343 MONROE COUNTY CCCS of Norttreastem PennsvhraNa CCCS of Delaware Va11ey 1535 Market Street, Suite 1325 Philadelphia, PA 19107 Ph: 215.583-5665 Fax 215,884-2688 Northwest Counselttg Sanrk:e 5001 N. Barad Street Phladelphia, PA 19141 Ph: 215.3247900 Fax 215-324-8753 Community Action Davefopment Comm 113 E Main Street Norristown, PA 19401 Ph: 810277-8363 Fax 610277-2123 Community Horsing Counsebrs Inc. Post Office Box 244 Kennett Square, PA 19348 Ph: 215-444-3882 Fax 215.444-8243 Media Fellowship House 302 S. Jackson Stmt Media, PA 19083 Ph: 810585-0848 Fax s1a56s-x567 Phifa CouricN for Carnmurilty AdvmrK 100 North 17w Street, Suite 800 PhNadelphia, PA 19103 Ph: 215-587-7803 Fax 215-963-9941 Amaricam Credlt Caunse6na Insdtute 845 CceAes St Coatesvi'pe, PA 19320 Ph: 888-212-8741 755 York Road Suite 103 Wamrinster, PA 18974 Ph: 215.4448429 Fax 215-958-6344 MONTOUR COUNTY CCCS of NorCt~stem PennavlvarJla 31 W. Market Street Post Office Box 1127 Wfikes-Barre, PA 18702 Ph: 570-821-0837 Ph: 800922-9537 Fax 570-821-1785 1400 Abkrgton Executive Park sane 1 Clarks Summitt, PA 18411 Ph: 570-587-9163 Ph: 800922-9537 Fax: 570587-9134 Fax: 570587-9135 NORTHHAMPTON COUNTY CCCS of LalYgh Vekey 3871 Crescent Coun Fit WhltehaN, PA 18052 Ph: 610-821-401 1 Ph: 8002202733 (717 and 814 only) Fax 810.821.8932 J~t;~jbu[yl~ERLAND COUNTY CCCS of Northeastern Pennsvhrank 31 W. Market Sheet Post O(ik:e Box 1127 Wfikes-Barre, PA 18702 Ph: 570-821-0837 Ph: 800922-9537 Fax 570821-1785 1400 Abington Executive Park Suite 1 Clerks Summltt, PA 18411 Ph: 570567-9163 Ph: 800.922-9537 Fax 570-667-9134 Fax 570-587~J135 201 Baakr Street WiMierrispoR, PA 17703 Ph: 570323-8827 Fax 570.323.8628 F_cwromic Opportunity Cabinet of SchuylkiN County 225 North Cetera Street Pottsville, PA 17901 Ph: 570-622-1995 Fax 570-622.0429 PERRY COUNTY CCCS of Western Penrrsylvanla, Inc. 2000 Lingbstown Road Hardsburg, PA 17102 Ph: 717-541-1757 Fax 717-541-4870 urban oI Metropoitari Harrisburg 2t07 N. Street Harrisburg, PA 17101 Ph: 717-234-5925 Fax 717-2349459 YWCA of CarNsle 301 G Street Cazisle, PA 17013 Ph: 717-2433818 Fax 717-2433948 31 W. Market Street Post Office Box 1127 144 E. Dekalb Pike Firrdncial CaunseCng Servkes of Frdnkin WilCes-Barre, PA 18702 IGng o1 Pnrssia, PA 19408 31 West 3rd Street Ph: 570821.0637 Ph: 810971-2210 Waynesboro, PA 17288 ph: g00.g22_g~7 Fax 610285-4814 Ph: 717-782-3285 Fax 570821-1785 WeaMedzatbn office 917 Mifffm Street HUritingdon, PA 16652 Ph: 814-843-2343 Cornmurwty Acton Commission of The CaPYaI Radon 1514 Derry Street Harrisburg, PA 17104 Ph: 717-232-9757 Fax 717-234-2227 PHILADELPHIA CtaUNTY Atom Housing Corporation 846 North Broad Street PhYadelphia, PA 19130 Ph: 215-76'x1221 Fax 215-785-1427 NoAhwest Counseling Service 5001 N. Broad Street PhYadelptriab PA 19141 Ph: 215-324-7500 Fax: 215-324-8753 CCCS d Delaware Valley 1515 Market Street SuUe 1325 Philadelphia. PA 19107 Ph: 215-563-5685 Fax 215-884-2668 HALE 167 W. Allegheryr 2nd Fbor Philadelphia, PA 19140 Ph: 215-428.8025 Fax 215-42x9122 Media Fellowsftip douse 302 S. Jackson Street Media, PA 19083 Ph: 810.565-0848 Faoc 810-585.8587 PCCA 100 North 17~ Street Sute 600 PFriladelphla. PA 19103 Ph: 215.567-7803 ' Fax 215.963-9941 - CCCS of Delaware Valley One Chary Hil Suite 215 Cherry Hill, NJ 08002 Ph: 216.583-5885 Housing Association of Delaware Valley 1500 Walnut Street Suite 601 Philadeiptia, PA 18102 Ph: 215-545-6010 Fax: 215-79x9132 HtxBing Association of Delaware VaYey 658 North Watts Street PhYatlelptia, PA 19123 Pt>: 215-978-0224 , Fax 215-785-7814 Community Devel. Corp. of Frankford Group fNWstry 4t~0 Grissom Street Philadelphia, PA 19124 Ph: x15-744-2990 Fax 215-7442012 Arrterican Credit Counseling Institute 845 Coates Street CoatesvY~, PA 19320 Ph: 888-212-8741 144 E. Dekalb Pike IGng Of Prussia, PA 19406 Ph: 81x971-2210 Fax: 61x265-4814 755 York Road Suite 103 Warminster, PA 18974 Ph: 215-444-9429 Fax: 215-956-8344 PIKE COUNTY 31 W. Markel Street Poll Office Box 1127 WYkes-Barre, PA 18702 Ph: 570.821-0837 Ph: 8()0.922.9537 Fax 570.821-1785 9 South 7w Street Stroudsburg, PA 18380 Ph: s~a420-8980 Ph: 800-922-9537 Fax 570-420-8981 1400 Abington Executive Park Suite 1 Clarks Summitt, PA 18411 Ph: 57x587-9183 Ph: 80x922-9537 Fax 570.587-9134 Fax 570-587-9135 POTTER COUNTY Northern Tier Community Action Group 135 West 4d' Street F~npotitun, PA 15834 Ph: 614.488-1181 Fax 814488.0825 SCHUYLKILL COUNTY Budget CotmseYrtg Center 247 North FNth Street Reading. PA 19601 Ph: B10-375 7868 Fax 61x375-7830 Commission on Economk Opportunity of Eczema Co. 183 Amber Lane W1Nces-Barre. PA 18702 Ph: 57aez6-oslo Ph: 800-822-0359 Fax 570-829-1865 - CaY before fao&tg Ph: 570-455-4994 - Ftazelton Fax: 57x455-5631 - CaN before fao6ng Ph: 570.838.4090 - Ttatkharmock Econcm(c Opport Cabinet of ScfxryMciY Co. 225 N. Centre Stn3et PottsviYe, PA 17901 Ph: 570.622-1995 Fax 57x822-0429 CCCS of Lehigh Valley Post Office Box A WhitehaY, PA 18052 Ph: 81x821-4011 Fax 610.827-8932 SNYDER COUNTY CCCS d Western Pen--sYlvania.lnC., 2000 IJnglestovm Road Harisburg, PA 17102 Ph: 717-541-1757 ,Fax 717-541-4670 Community ACt~rt Commission of the Capital Reglon 1514 Derry Street Harrisburg, PA 17104 Ph: 717-232-9757 Fax: 717-234-2227 Urban LeaO~ of Metropolitan Hartisbur~ 2107 N. 6 Street Harrisburg, PA 17101 Ph: 717 234-5925 Fax: 717-234-9459 ~Q,MERSET COUNTY Bedford-Fu1ron Haustng Services R.D. 1, Box 384 Everett, PA 15537 Ph 814-623.9129 Fax 814-623-7187 CCCS of Western PemsyNanfa, Inc. 1 North Gate St>t>are 2 Garden Center Drive Greensburg, PA 15601 Ph: 724-838-1290 Tableland Services Inc. 535 East Main Street Somat'set. PA 15501 Ph: 814-445-9t~8 Ph: 80x452-0148 Fax 814-4433890 Keystone Econondc Dev~opment Corp. 1954 Mary Grace Lane Johnstown, PA 15901 Ph: 814535.8558 Fax 81439-1888 CCCS of W~Mm PA 219-A College Park Plaza Johnstown, PA 15904 Ph: 814-539.8335 ,~,ULLIVAN COUNTY CCCS of Northeastern Pennsvlvartia 1400 Abington Executive Park Suite 1 Clacks Sumrtwt, PA 18411 Pf>: 570-587-9183 Ph: 800.922-9537 Fact: 570387-9134 Fax 570.587-9135 31 W. Market Street wYkes-Barre. PA 18702 Ph: 57x821-0837 Ph: 800.922-9537 Fax: 57x821-1785 The T Carder of Nonireastert PA 185 Eknira Street Post Oflke Bit 218 Troy, PA 18947 Ph: 570-29T-2101 Fax 57x297-2799 17 Grafton Street weYstxuo, Pa ts9ot Pn: s7a7245252 Fa~c 570-724-5783 103 Warren Street Post office l3ax 709 Tunkhannook,PA 18657 Ph: 570-838.6840 Fax: 570.83Cr6332 German Street Post Office Bout 38.9 Dushore, PA 181314 1'h: 57x926-8888 Fax 570.928-8144 931 Madn Street Honesdale, PA 18431 Ph: 570-253.8941 Fax: 57x253-4817 7 Lake Avenue Boot 339 Morttroae, PA 121801 Ph: 57x27833.98 Ph: 80x982-4045 Fax: 57x27&1888 SU~UE{i_eNnLe COL»4TY 103 Warren Street Warren-Forrest Counties EcarlxNc CCCS of Norttteagtem Pennsvlvarra Post Office Box 709 OPI~-c+~y Cotrrx:tl 1400AUinptonExeculivePark Ttmkharxtock,PA 18857 1209 PertrtsylvartiaAverxre,West SuNe 1 Ph: 570.83&6840 Post OHk:e Bca 547 Clarke SurrttnitL PA 18411 Fax: 570-83ti-8332 Warren, PA 16385 Ph: 57Q-587-9163 Ph: 814-726.2400 ph; 800-922-9537 931 Man Street Fax: 814723-0510 Fax: 570-587-9134 Ftane,5dele, PA 18431 Fax: 570-587-9135 Ph: 570-253-8941 WASHINGTON COUNTY Fax: 570-2b3-4817 Acctiaon Hcu~g. inc• 31 W. f~Aarlcet Street 425 6~ Averxre Wilkes-Barre, PA 18702 The Trehab Center d NE PA Suite 950 Ph: 510.821-0837 7 ].eke Avenue Pttt~ttrgh, PA 15219 Ph: 800-922-9537 Bcac 339 ph: 412-391-1958 Fax: 570.821-1785 Montrose, PA 16801 Ph: 412-281-2102 Ph: 570-278-3338 Fax: 412-391-4512 Ttehab Center d Norttr~stem PA Ph: 800-98'L-4045 185 Elmira Street Fare 570-278-1889 CCCS d Western Pennsylvania Inc. Post Office Banc 218 t North Gate Square Troy, PA 147 S[NIONf OUNTY 2 Garden Center Drive Ph: 570-297.2101 Lycornirg-Crnton Co Cornet for Comm Greerrsbtxg, PA 15801 Fax: 570-297-2799 Action (STEP) Ph: 724-838-1~0 2138 t~ncdn Street German Street Past Office Box 1328 Housing Opportunities, Inc. Past Office Brnc 369 W Aliarnsport, PA 17703 133 Seventh Street Dushore, PA 18614 Ph: 570.326.0587 McKeesport, PA 15132 Ph 570-928-9688 Fax 570-322-2197 Ph: 412-664-1590 Fax: 570-928.8144 Fax: 412-8841')873 CCCS d Western Pentsykranta Inc. 17 Grafton Street 217 E. Plank Rued Credit Counselors d PA WeHsboro, PA 16901 Altoona, PA 18802 401 Wood Street Ph: 570.7245252 Ph: 814-9446100 Suite 906 Fax: 570-7245183 Fax: 8i4~i4-5747 PNtsburgh, PA 15222 Ph: 412-338-9954 103 Warren Street CfCC.S d Northeastern Pennsylvania Ph: 800 737-2933 Post Office Box 709 31 W. Market Street Fax: 412-338-9963 Ttmkhannock, PA 18657 Post Office ecx 1127 ! Ph: 570-836-8840 Wikes-Barre, PA 18702 CormrunityActicn Southwest Fax: 570-896-6332 Ph: 570.821.0637 22 W est FAyh Street I Ph: 800-97L-9537 Wayrrasixuy, PA 15370 931 Man Street Fatc b70-821-1785 Pix 724-852-281~i ~ Honesdae, PA 18431 Ph: 57Q-253,8941 1400 Abkigtan Executive Park 53 iW College Street ~ Fax: 570-253-4817 Suite 1 Washington, PA 15301 Clarks Summftt, PA 1841 i Ph 724222-8292 ~ 7 Lake Avenue Wt: 570-587-9163 Box 339 Ph: 800-922-9537 Mon-Valleyr Unemployed Comrettee ~ Montrose, PA 18801 Fax: 570587-9134 120 E- 9` Averrtre Ph: 570-2785338 Fax: 570587-9135 Fiomeslead, PA 15120 Ph:800-982-4045 Ph:412-482-9962 Fax: 570-278-1869 201 Basin Street Fax: 412-462-9964 ~ Wiliamsport, PA 17703 TIOGA BOUNTY Ph: 570323-6827 WAYNE COU TN-Y CCCS d Northeastern PerlrtsvNania Fax: 570323-6826 C=CCS o1 Nortf>eestem PerxGSVN' read 1400 Abington Executive Park 1400 Abinyllan Exeruive Perk State 1 VENANGO COUNTY Suite 1 Clerks Summitt, PA 18411 Greater Erie Community Action Clarks Summits, PA 11j411 Ph: 57o-587-9183 committee Ptr 570-587-9163 Pir: 600-922-9537 18 W est 9° Street Ph: 800-922-9537 Fax: 570-587-9134 Erie, PA 16501 Fax: 570-587-9134 Fax: 570-587-9135 Ph 814-459-4581 Fax: 570-5871Ji35 Fax: 814-458.0181 31 W. Market Street 9 South 7° Strew Wilkes-Barre, PA 18702 CCCS d Western Pennsylvania, Inc. Stroudsburg, PA 18360 Ph: 570-821-0837 YMCA Building Ph: 570-420-8980 Ph: 800-922-9537 339 NoM Washington Street Pit: 800.922-9537 i F~c 570.821-1785 Butler, PA 16001 Fax: 570-420-8981 Ph: 412-282-7812 i The Treheb Center d bf, rtheastem PA 3t W, Market Street 185 Elmira Sheet John F. Kennedy Center, Inc- Wikes-Barre, PA 18702 Post Office Box 218 2021 East 20~ Street Ph: 570-821-0837 Trcy, PA 18947 Erie, PA 18510 Ph: 8110.922-9537 i Ph: 510-297-2101 Ph: 814898-0400 Fax: 570-821-1785 Ftec 570.297-2799 Fax: 814898-1243 i Tire Treheb Cancer d NE PA German Street WARREN COUTlTY 185 Eknire Street Post Office Box 389 Booker T Washington Center Post Office Box 218 Dushore, PA 18814 1720 fidland Street Troy, PA 18947 , Ph: 570.928-9fi88 E-ie, PA 16503 Ph: 570.297-2101 Fax: 570-828-8144 Ptt: 814-453-5744 Fa:c 570.297-2799 Fax: 814-453-5749 1T Grafton Street 17 Craiton Street Wellsboro, PA 16901 Greater Erb Community Action Welisboro, PA 18901 Ph: 570-7245252 CAmmiltee Ph: 570-7245252 Fax: 570-7245763 18 West 9° Street Fax: 570.7245783 Erie, PA 16501 Ph: 814-459-4581 Fax: 814-458-0161 103 Warren Street Post Office Box709 WYOMOJG COUNTY Cornrnon Economics Oppodurrty of 7urdchanrack, PA 18857 Wzeme County' Ph: 570.836-8840 163 Amber Lane Fax: 570.836-6332 WYkes-Barre, PA i870i Ph: 570.828-0510 German Street Ph: 800-822-0359 Post Office Box 369 Fax: 57029-1665 -Call before taodng PA 18614 t)vahae Ph: 570-455-4994 - liazellort , Ph: 570-928-9668 Fax: 570.455631- CaN bore lazing Fax: 570-928-8144 Ph: 570-838-4090 - Tunkhannock 931 Main Street r1:r•.S of fJoAheastem PA Honesdale, PA 18431 1400 Abington F_xecutlve Pads Ph: 570.253.8941 Suite 1 Fax: 570-253.4817 Clarks SummitL PA 1641 f Ph: 570-587-9183 7 Lake Avenue ~~ ~-~-9~ Booc ~g Fax: 570-587-9134 Montrose, PA 18801 Fax: 570.587-9135 Ph: 570-z78-3336 Ph: 800-982-4045 31 W. Market Street Fax: 57Q-278-1889 1Mlkes-Bare, PA (8702 Ph: 570-82f-0837 WESTMORELAND COUNTII Ph: 800-922-9537 Action Housing, Inc. Fax: 570-821-1785 425 6a Avenue Suite 950 The Trehab Center of NE PA Pittsburgh, PA 15219 7 Lake Avenue Ph: 412-39i-i958 ~ ~ Ph: 412-281-2102 Montrose, PA 18801 Ph: 570-278-3338 Commurtity Acton Southwest Pfr: 800-982-4046 22 West Higtt Street Fex: 570-278-1889 Waynesburg, PA 15370 Ph: 724-852-2893 f 85 Elmira Street Post Ofllce Boor 21 B CCC3 of Western Pennsylvania, inc. Tray, PA 18947 1 Nbtth Gate Square Ph: 570-297-2101 2 Garden Center Drive Fax: 570-297-2799 Greensburg, PA 151 Ph: 724-836-1290 f7 Grattan Street WebbQra, PA 18901 F1ot>sin9 0~~~, ~, Ph: 5~0-724-5252 133 SaverWt Stream Fax 570.7245783 McKeesport, PA 15132 Ph: 412.884-1590 103 Warren Street Fax 412-684-0673 Po9t OlftCe Brno 769 Tunkharlrwck, PA 18857 Keystone Ecanonwc Devekopment Pfx 57a~'~ Carporatbn Faoc: 570-838-6332 1954 Mary Grace lane Johnstown, PA 15901 German Street Ph: 8f4335.8558 Post Office Box 389 Fax: 814-539-1888 Dushore. PA 18814 Ph: 570.9213-9668 Tableland Services Ina Fax: 570.928.8144 535 East Main Street Somerset, PA 15501 931 Male Street Ph: 814-445-9828 Flonesdale, PA 18431 Ph: 800.452-0148 Ph: 570.253-8941 Fax: 814-4433690 Fax: 570-253-4817 199 Edison ~~ YORK COUNTY Uniorttown, PA 15401 American Red Cross-Hanover Chapter Ph: 724-439-8939 529 Carlisle Street Hanauer, PA 17331 Indiana Co CommudlY Action Program Ph: 717.837-3768 827 Water Street F~c 717-8373294 Box 187 tndtana, PA 15701 Fiousing CourrcN ~ York Ph: 724-485.2657 118 North George Street Fax: 724-485-5118 York, PA 17401 Ph: 717-854-1541 Mon-Valley Unemployed Comnrttea Fax: 717-845 7934 120 E. 9° Avenue Homestead, PA 15120 CCCS al Western Pennsylvania. Inc. Ph: 412-482-9982 2000 Linglestown Road Fero 412-462-9984 Harrisburg, PA 17102 Ph: 717-541-1757 CredU Counselors of PA Fax: 717-541-4870 401 Wood Street Suite 908 Pittsburgh, PA 15222 Ph: 412-338-9954 Ph: 800-737-2933 Fax: 412-338-9963 Adams County Housing AuHtodly 139-143 Cartels Street Gettysburg, PA 17325 Ph: 717-334-1518 Fax: 717-334-8328 CCCS a1 Weatem Pennsylvania. Inc. 912 South George Street York, PA 17403 Ph: 717.846.41713 Jl.) ~ ~ ~ ~, w .~ _J M~ V r~ c~-- 'f , c iJ. .. ..J "s c ~_ "+ ~Jl `?7 C.~} f'J -Cn~ T t"17 r,~__ r -~ 1 {_.! _:7 _'Yi ~~ "~ 0 SHERIFF'S RETURN - REGULAR ~. CASE NO: 2007-03378 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND DEUTSCHE BANK NATIONAL TRUST VS KIRK KARA B ET AL RICHARD SMITH Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon KIRK KARA B the DEFENDANT at 1241:00 HOURS, on the 8th day of June 2007 at 100 SGRIGNOLI LANE ENOLA, PA 17025 by handing to ALLEN KIRK, HUSBAND a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: So Answers: Docketing 18.00 Service 14 .4 0 ~~~~~~~ ~~~ Affidavit .00 Surcharge 10.00 R. Thomas Kline 00 L~ ~5,0~ `~., 4~ 06/11/2007 GOLDBECK MCCAFF T MCKEEVER Sworn and Subscibed to By: before me this day eputy Sheriff of A.D. SHERIFF'S RETURN - REGULAR ,, CASE NO: 2007-03378 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND DEUTSCHE BANK NATIONAL TRUST VS KIRK KARA B ET AL RICHARD SMITH Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon KIRK ALLEN D the DEFENDANT at 1241:00 HOURS, on the 8th day of June at 100 SGRIGNOLI LANE ENOLA, PA 17025 by handing to ALLEN KIRK a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge GI ~S~d1 ~.~„ Sworn and Subscibed to before me this of So Answers: . 0 0 t~r4 .00 10.00 R. Thomas Kline .00 16.00 06/11/2007 GOLDBECK MCCAFFE TY MCKEEVER By: day Deputy Sheriff A.D. 2007