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Home My WebLink About07-46830 /GOLDBECK McCAFFERTY & McKEEVER BY: JOSEPH A. GOLDBECK, JR. • ATTORNEY LD. #16132 SUITE 5000 - MELLON INDEPENDENCE CENTER 701 MARKET STREET PHILADELPHIA, PA 19106 (215) 627-1322 WWW.GOLDBECKLAW.COM ATTORNEY FOR PLAINTIFF SOVEREIGN BANK 601 Penn Street Mail Code: 10-6438-MD4 Reading, PA 19601 vs. PATRICIA R. PHILLII'Y WILLIAM T. PHILLIPY Mortgagors and Real Owners 236 Erford Road Camp Hill, PA 17011 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Plaintiff CIVIL ACTION -LAW ACTION OF MORTGAGE FORECLOSURE Defendants Term /~ No. 07-1083 C~iVi CIVIL ACTION: MQ~iTQAG~ Teri ~t~~CL~9UiRE 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. CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717-243-9400 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 PUNTO DE VISTA DE USTED Y CUALQUIER OBJECCION CONTRA LAS QUEJAS EN ESTA DEMANDA. RECUERDE: SI LISTED 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. LISTED 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 INFORMACION DE COMO CONSEUIR UN ABOGADO. SI LISTED 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. CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717-243-9400 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: or 717- 243-9400. 2). Call the Consumer Credit Counseling Agency at 1-800-989-2227 for free counseling. 3). Visit HUD'S website www.hud.~ov for Help for Homeowners Facing the Loss of Their Homes. 4). Call the Plaintiff (your lender) at 610-378-6324 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(a goldbecklaw com. 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 SB-0219. Para informacion 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 1. Plaintiff is SOVEREIGN BANK, 601 Penn Street, Mail Code: 10-6438-MD4 Reading, PA 19601. 2. The names and addresses of the Defendants are PATRICIA R. PHILLIPY, 236 Erford Road, Camp Hill, PA 17011 and WILLIAM T. PHILLIPY, 236 Erford Road, Camp Hill, PA 17011, who are the mortgagors and real owners of the mortgaged premises hereinafter described. 3. On May 07, 2004 mortgagors made, executed and delivered a mortgage upon the Property hereinafter described to SOVEREIGN BANK, which mortgage is recorded in the Office of the Recorder of Deeds of Cumberland County as Book 1865, Page 1965. 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 Apri101, 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 .................................................................... ..........$285,501.68 .... Interest from 03/01/2007 through 07/31/2007 at 4.7500% .......................$5,578.28 Per Diem interest rate at $36.40 Reasonable Attorney's Fee at 5% of Principal Balance as more fully explained in the next numbered paragraph .................$14,275.08 Late Charges from 04/01/2007 to 07/31/2007 .............................................$513.36 Monthly late charge amount at $128.34 Costs of suit and Title Search ......................................................................$900.00 Fees ..............................................................................................................$203.35 $306,971.75 7. If the Mortgage is reinstated prior to a Sheriff's 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 "in 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 $306,971.75, together with interest at the rate of $36.40, 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: ~. GOL EC McCAFFERTY & McKEEVER BY: JOSEPH A. GOLDBECK, JR., ESQUIRE ATTORNEY FOR PLAINTIFF VERIFICATION I, Michele Heck, 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. CR.S.I,4904n relating to unsworn falsification to authorities. Date: 8-(~`o f #176851462 - PATRICIA R. PHILLIPY and WILLIAM T. PHILLIPY E.~(zi6it A .,/ FIRST AMERICAN TITLE fNSURANCE CO. t . 4' Commitment Number: PHILL133-03R SCHEDULE C PROPERTY DESCRIPTION The land referred to in this Commitment is described as follows: ALL THAT CERTAIN tract or parcel of land and premises, situate, lying and being in the Township of East Pennsboro in the County of Cumberland and Commonwealth of Pennsylvanin, more particularly described as folic BEGINNING at a monumenT at the northeast comer of Ertord Road and Paddock Lane; thence along the eastern side of Ertord Road, North 30 degrees 02 minutes 04 seconds West a distance of 43.46 feet to a point; thence continuing along the eastern side of Ertord Road, North 26 degrees 41 minutes 08 seconds West, a distance of 242.80 feet to a point; thence continuing along the eastern side of Ertord Road, North 23 degrees 20 minutes 19 seconds West, a distance of 105.13 feet to a point along lots of Edan Place West in Plan Book 13, Page 14; thence along the lots of Edan Place West, North 60 degrees 31 minutes 54 seconds East, a distance of 267.01 feet to a point; thence along lots shown on Phase II of Sundown Farm Estates, South 28 degrees 15 ~; minutes 00 seconds East, a distance of 160.57 feet to a point; thence continuing alon lots of Su Estates, South 61 degrees 45 minutes 00 seconds West, a distance of 10.46 feet to a point; .thence continuing along tots of Sundown Farm Estates, South 28 degrees 15 minutes 00 seconds East, a distance of 51.00 feet to a point; thence continuing along lots of Sundown Farm Estates, South 61 degrees 45 minutes 00 seconds West, a distance of 10.00 feet to a monument; thence continuing along Lot #17 of Sundown Farm Estates, South 28 degrees 15 minutes 00 seconds East, a distance of 89.00 feet to a point; thence continuing aong line of Lot #18 of Sundown Farm Estates, South 28 degrees 15 minutes 00 seconds East, a distance of 96.00 feet to a concrete monument on the norttlern side of Paddock Lane; thence along the northern side of Paddock Lane, South 61 degrees 45 minutes 00 seconds West, a distance of 260.77 feet to a monument at the Northeast comer of Ertord Road and Paddock Lane, the point and place of BEGINNING CONTAINING 2.4086 acres and having thereon erected a two story brick residence, barn and other buildings known as 236 Ertord Road. Being Lot No. 1 on the. Final Subdivision Plan of Sundown Farm Estates; Phase II, prepared by Whitlock and Hartman, dated August 14, 1986, revised September 11, 1986, and recorded October 31, 1986, in the Cumberland County Recorder of Deeds Office in Ploan Book 51, Page 85. ' Certify this to .,_, ,. In Cumberland Ci,~,,~;.y .r~;~ .:;;i ~'~- Recorder of Deeds ALTA Commkment Schedule C (PHILL133-03R.PFD/PHILL133-03R/10) ~` BK1865PGi98t: rE~Fii6it ~ ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE Date of Notice: June 4, 2007 WILLIAM T PHILLIPY 236 ERFORD RD CAMP HILL, PA 17011 Loan # 0176851462 This is an official notice that the mort a e on our home is in defaul and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached naves The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM HEMAP ma be able to hel to save vour home. This Notice explains how the nro¢ram works To see if HEMAP can help you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with ou when you meet with the Counseling Agency The name. address and phone number of Consumer Credit Counseling Agencies serving your County are fisted at the end of this Notice If you have any questions you may call the Pennsylvama Housmr Finance Agency toll free at 1-800-342-2397 (Persons with impaired hearing can call (717 780 1869)• This Notice contains important legal information If you have any questions representatives at the Consumer Credit Counsehn Agency may be able to heb explain it. You may also want to contact an attorney m vour area. The local bar association may be able to help you find a lawyer LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A RED1MlR SU HIPOTECA. HOMEOWNER'S NAME(S): WILLIAM T PHILLIPY PATRICIA R PHII.LIPY PROPERTY ADDRESS: 236 ERFORD RD CAMP HILL, PA 17011 LOAN ACCT. NO.: 0176851462 CURRENT LENDER/SERVICER: Sovereign Bank ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE Date of Notice: June 4, 2007 PATRICIA R PHILLIPY 236 ERFORD RD CAMP HILL, PA 17011 Loan # 0176851462 This is an official notice that the mortgage on your home is in default. and the lender intends to foreclose. Spec>fic information about the nature of the default is provided in the attached pages The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAPI may be able to help to save your home. This Notice explains how the program works To see if HEMAP_can help you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with ou when you meet with the Counseling Agency The name, address and phone number of Consumer Credit Counseling Agencies serving your County are fisted at the end of this Notice If you have any questions, you may call the Pennsylvania Housing Finance AQencv toll free at 1-800-342-2397 (Persons with impaired hearing can call (7171 780-1869)• This Notice contains important legal information If you have any questions representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney ~n your area. The local bar association may be able to help you find a lawyer LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PLIES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTH'ICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARR 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. HOMEOWNER'S NAME(S): PATRICIA R PHILLIPY WILLIAM T PHILLIPY PROPERTY ADDRESS: 236 ERFORD RD CAMP HILL, PA 17011 LOAN ACCT. NO.: 0176851462 CURRENT LENDER/SERVICER: Sovereign Bank HOMEOWNER'S 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 consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED"HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO 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 tele hone numbers of desi Hated consumer credit counselin agencies for the county in which the nrooerty is located are set 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 face-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 1N 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 still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date) NATURE OF THE DEFAULT --The MORTGAGE held by Sovereign Bank (hereinafter we, us, or ours) on your property located at 236 ERFORD RD ,CAMP HILL, PA 17011 IS SERIOUSLY IN DEFAULT because YOU HAVE NOT MADE THE MONTHLY PAYMENTS of $ 2,566.85 since 4/1/2007 to the present. The total amount now required to cure this default, or in other words, get caught up in your payments, as of the date of this letter, is $ 8,06558. The total amount includes late charges and any other charges that have accrued to this date. If you disagree with the assertion that a default has occurred or the correctness of the calculated amount required to cure the default, contact: SOVEREIGN BANK OVERNIGHT DELIVERY: MORTGAGE COLLECTIONS DEPARTMENT PO BOX 8627 OR 601 PENN STREET READING PA 19603 READING, PA 19601 1-800-753-7366 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 $ 8,065.58, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash cashier's check certified check or money order made payable to Sovereign Bank and sent to the above address 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 mortgaee 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 vour morteaged ro e 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 begins 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 aze 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 attomey'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 uav 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 up to one hour before the Sheriff's Sale You may do so bYpavinQ the total amount then past due plus anv late or other chazges then due reasonable attomey's fees and costs connected with the foreclosure sale and an other costs connected with the Sheriff's Sale as s ecified in writin b the lender and b performing anv other requirements 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 eazliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriff's 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. HOW TO CONTACT THE LENDER: Name of Lender: SOVEREIGN BANK Address: PO BOX 8627, READING PA 19603 Phone Number: 1-800-753-7366 Fax Number: 1-800-881-9334 Contact Person: Constance M. Cocroft, Vice President EFFECT OF SHERIFF'S SALE -You should realize that a Sheriff's 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 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 have the right to sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, chazges 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. 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. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (SEE ENCLOSURE) You may contact our Mortgage Services Department via E-mail at: MORTSERVC SOVEREIGNBANK.COM This bank is a debt collector attempting to collect a debt and any information obtained from you will be used for that purpose. HOUSING AND URBAN DEVELOPMENT ("HUD") NOTIFICATION IMPORTANT NOTICE OF THE HOUSING AND COMMUNITY DEVELOPMENT ACT OF 1987 PLEASE READ THIS NOTICE. HOMEOWNERSHIP COUNSELING MAY BE AVAILABLE TO YOU. DATE: June 4, 2007 TO: WILLIAM T PHILLIPY RE: Account No. 0176851462 FROM: Sovereign Bank The Housing and Community Development Act of 1987 requires that Sovereign Bank notify eligible homeowners with delinquent home loans of the availability of homeownership counseling. Because your home loan is DELINQUENT, you may be eligible for homeownership counseling provided by certain non-profit organizations. PLEASE CALL THE HUD TOLL FREE NUMBER AT 1-800-569-4287 FOR MORE INFORMATION. If you have any questions about your home loan you may call or write to Sovereign Bank at: MORTGAGE COLLECTIONS DEPARTMENT SOVEREIGN BANK PO BOX 8627 READING PA 19603 1-800-753-7366 Constance M. Cocroft Vice President y } l ~ ~ ~ t ~~'~ ~ t 'S i ' ~~ ~~3Y ~ F r t t. a w . , . s~ ~ _ ~ ~ y~~~ ~ ------ fTl _ _-- __ -- - T--__ _ iti ?3rst3ye C~arFriec F=ee ~ Return f-feceipt Fee { ~ ~ Postmark O (Endorsement I'{ec.~uired'; Here O _.__ Restricted FJe i~~e:y Fee ~ (Endorsement I'~c,uired) ~ _~ _._ _ ~ Total Past. fl.l ~ sent To WILLlAN1 T PHILLIPY ~ Streef,Apt..236 ERFORD RD -- M1 or PO Box ~ -:CAMP HILL city siaie PA 17011 , , -- :~, ~,. ~, ~~'Qgmestic Mail;Only; No Insurance Coverai For:delrvery information visit our website at www m ~`' Postage $ °''~~ ~< E ~ ; `s ~. ~ T., Certified Fee i °`~ V ~ Return Receipt Fee Postmark' - ~':~''Tj D (Endorsement Required) Here O ~~"2',' Restricted Delivery Fee ~ (Endorsement Required) ''~~,. rl Total Postag `~ ; ; : ~ ~ ! !lJ ~._ _ .~... _....... ~ Sent To pATRICIA R PHILLIPY ~ Sfrrael, Apt. IVc ~ 236 ERFORD RD ~, or PO Box No. cry si8ie,-zi~CAMP HILL, PA 17011 - / ,. --%. i Housing Opportunities, Inc. 8515 Corporate St., Suite 207 McKeesport, PA 15132 ' ~ (412) 664-1590 FAX (412) 664-0873 Mon-Valley Unemployed Committee 120 E. 9th Avenue Homestead, PA 15120 (412) 482-9982 FAX (412) 462-9964 Housing Opportunkies Inc. 133 Seventh Street P.O. Box 9 (~) ~ 1 ~ 15134 FAX (412) ti84-0873 CredH CounselnB of PA 401 Wood Street, Suite 906 Pittstxxgh, PA 15222 (412) 338-9954 or 1(800) 737-2933 FAX (412) 338-9983 CAMBIA COUNTY ed o u on ousing Services R.O.rtN, Box 384 Everett, PA 15537 (814) 623-9129 FAX (814) 623-7187 CCCS of Western PA 217 E. Plank Road Ahoona PA 16602 FBAX)(894 8944.5747 Indiana County Community Action Program 827 Water Sheet, Box 187 Indiana, PA 15701 (412) 485-2857 FAX (412) 485-5118 Keystone Eton Development Corp. 1954 Mary Greee lane Johnstown PA 15901 (814) 535-6558 FAX (814) 539-1888 CCCS of Western PA 219,A College Park plaza Johnstown PA 15901 (814) 539-8335 Tableland Services, Inc. 535 East Main Sheet Somerset PA 15501 (814) 445-9628 or 1-800-452-0148 FAX (814) 443-3gg0 CAMERON COUNTY Northern ~ommunityAktiion Corp. P.O. Box 389 135 West 4th Street Emporikart, PA 15834 FAX)(81~ 488-0825 CCCS of Westen PA 217 E. Punk Road ARoona PA 16602 (814) 944-8100 FAX (814) 944-5747 CCCS of Westen PA 217 E. Plank Road Akoona, PA 16602 (F8~)(8944-8944-5747 CARBON COUNTY 225 N~~It eej uMy Pottsville, PA 17901 (570) 622-1995 FAX (570) 622-0429 CCCS of Lehigh Valley 3671 Cresent Court East Whitehall PA 18052 610-821-4011 or 800.220.2733 570 & 814 ony for 800 FAX (810) 821-0137 CCCS of Northeastem Pennsylvania 1400 Abington Executive Park. Suitee 1 Clarks Summitt, PA 18411 (570) 587-9163 OR 1-8D0.922-9537 FAX (570) 587-9134/9135 31 W. Market St. Wi3kes-Barre, PA 18702 (570) 821-0837 or 800-922-9537 FAX (570) 821-1785 9 South 7th Street Stroudsburg PA 18380 (570) 420-8980 or 800-922-9537 FAX (570) 420-8981 1631 S Atherton St, Suite 100 State College, PA 18801 (814) 238-3888 FAX (814) 238.3889 Commsssoor- on Economics Opportunity of Luzeme County 183 Amber Lane Wilkes-Barre, PA i 8702 (570) 828-0510 OR 1-800.822-0359 FAX (570) 829-1685-CALL BEFORE FAXING FSAX)(570~455-5831-CALL BEFORE FAXING (570) 838-4090 TUNKHANNOCK CENTRE COUNTY o es ern Pennsylvania, Inc. 217 E. Plank Road Altoona, PA 18602 (814) 944-8100 FAX (814) 944-5747 Lycoming-Clinton Co Comm For Community Action (STEP 2138 Lincoln Street P.O. Box 1328 Williamsport, PA 17703 (570) 3213-0587 FAX (570) 322-2197 CCCS of NoNteastem PA 1831 S. Atherton St, Suite 100 State College PA 16801 (814) 238-3888 FAX (814) 238-3869 CCCS of Northeastern PA 201 Basin Street Wgliamsport, PA 17703 (570) 3213-0587 FAX (570) 322-2197 CHESTER COUNTY om ousing orpora8on 848 North Broad Sheet Phlladelphia, PA 19130 (215) 765-1221 FAX (215) 71i5-1427 Northwest Counseling Services 5001 N. Broad Stmt Phladelphia, PA 19141 (215) 324-7500 FAX (215) 324-8753 Budget Counseling Center 247 North Filth Street Reading, PA 19601 (810) 375-7868 FAX (610) 375-7830 CCCS of Delaware Valley 1515 Market Street, Suite 1325 Philadelphia, PA 19107 (215) 583-5885 FAX (215) 563-7020 RACE 167 W. Allegherry Ave, 2nd FI. Phlladelphia, PA 19140 (215) 426-8025 FAX (215) 428-9122 Community Housing Counseling Inc P.O. Box 244 Kennett Square, PA 19348 (610) 444-3882 FAX (610) 444.8243 Media FetiowsMp House 302 S. Jackson Street Media, PA 19083 (810) 585-0848 FAX (610) 585-8587 Phila Council For Community Adv 100 NoAh 17th Street. Sutie 600 PhiladelpMa, PA 19103 FAX)(21b) 983-9941 Tabor Community Services, inc. 439 E. King Sheet Lancaster, PA 17602 (717) 397-5182 OR 1-800-788-5082 (H,O.only) FAX (717) 399-4127 Communhy Devel. Corp of Frankford Group Ministry 4820 Grisoom Street Philadelphia, PA 19124 (215) 744-2990 FAX (215) 744-2012 American Red Croas of Chester 1729 Edgemont Avenue Chester, PA 19013 (810) 8741484 CCCS of Delaware Valey Marshall Building 790 E. Market St., SuNe 215 West Chester, PA 19382 {215) 583-5865 American Credit Counseling Institute 845 Coates St. Coatesvitie PA 19320 (888) 2124;741 144 E. Dekalb Pike King of Prussia, PA 19408 (810) 971-2210 FAX (610) 285-4814 755 York Rd, Suite 103 Warminster PA 18974 FAX)(215) 956-6344 CLARION COUNTY Z`~ o stem ennsylvania, Inc. YMCA Building 339 North WashMgton Street BuOer, PA 16001 (412) 282-7812 CLEARFIELD COUNTY Keystone conomrc velopmenl Corporation 1954 Mary Grace Lame Johnstown, PA 15901 (814) 535-8556 FAX {814) 539.1688 Indiana Co. Community Action Program 827 Water Street, Box 187 Indiana, PA 15701 (724) 485-2857 FAX (412) 485-5118 CCCS of Western Pennsylvania, Inc. 217. E. Plank Road ARoona PA 16602 (814) 944-8100 FAX (814) 944-5747 CCCS of Northeastern PA , 1831 S Atherton St., Suite 100 State College, PA 16801 (814) 238.3888 FAX (814) 238-3889 CCCS of Weatem PA 218-A College Park Plaza Johnstown PA 15904 (814) 539-8335 CLINTON COUNTY ycoming nton Counties Commission For Community Action (STEP) 2138 Lincoln Street P.O. Box 1328 Williamsport, PA 17703 (570) 328-0587 FAX (570) 322-2197 CCCS of Northeastem PA 1831 S Atherton St., Suite 100 State Cdtegs, PA 18801 (814) 238-3888 FAX (814) 238-3669 CCCS of Northestern PA 201 Basin Sire Williamsport, PA 17703 (570) 323-8627 FAX (570) 323-8828 COLUMBIA COUNTY 0 o astern Pennsylvania 31 W. Market Street P.O. Box 1127 Witikes-Barre, PA 18702 (570) 821-0837 OR 1-800-922-9537 FAX (570) 821-1785 1400 Abington Execkrthee Park, Bullet CWrtks Summitt, PA 18411 (570) 587-9183 or 800-922-9537 FAX (570) 587-9134/9135 Conrrtfaaion on Economics Opportunity of Luzeme County 163 Amber Lane WNkes-Barre, PA 18702 (570) 828-0510 OR 1-800-822-0359 FAX (570) 629-1885-CALL BEFORE FAXING 570) 455-4994 FWZELTON F~I~O) 455-5831-CALL BEFORE (570) 836-4090 TUNKIiANNOCK CRA3111FORD COUNTY ooker ~ ington Center 1720 Holland Sheet Eris, PA 18503 (814) 453-5744 FAX (814) 453-5749 Greater Erie Conanunity Action Committee 18 West 9ti- Sheet Erie, PA 18501 (814) 459-4581 FAX (814) 458-0161 John F. Kennedy Center, inc. 2021 East ZOth Street Erie, PA 18510 (814} 898-0400 FAX (814) 898-1243 Shenango Valley Urban League, Inc. 801 Indiana Avenue Farrell, PA 16121 (412) 981-5310 CUMBERLAND COUNTY em ennsylvania, inc. 2000 Ltnglestown Road Harrisburg, PA 17102 (717) 541-1757 FAX (717) 541-4870 Fy'`~andal,Counseling Services of 'fisnkGn 31 West 3rd Street • ~ Waynesboro, PA 17268 (71?) 762-3285 Urban league of Metropolitan Hartisburg N. 6th Street FlaMaburg, PA 17101 F7AX)(71~ Y34-9459 YWCA of Carlisle 301 G Street Carlisle, PA 17013 FAX (717) 73189589 Community Ad1on Comm of the Captal Region 1514 Derry Street Harrisburg, PA 17104 (71T) 232-9757 FAX (717) 234-2227 Adams County Housing Authority 139-143 CarGste St. GMtysburg, PA 17325 F7AX)(717) 334-8326 DAUPHIN COUNTY o stem ennsylvanla, Inc 2000 Linglestown Road Harrisburg, PA 17102 (717) 541-1757 FAX (717) 541-4670 Urban League of Metropolitan Harrisburg 2707 N. 6th Street Harrisburg, PA 17101 (717) 234-5925 FAX (717) 234-9459 Community Action Commission of Ois Capital Region 1514 Derry Street Harrisburg PA 17104 717) 232-9757 AX (717) 234-2227 DEUwaRE cotn~rrY 848 North Broad S~ptreet ~ PhNadslphia, PA 19130 (215) 765-1221 FAX (215) 765-1427 Northwest Counseling Service 5001 North Broad Street Philadelphia, PA 19141 (215) 324-7500 FAX (215) 324-8753 CCCS of Delaware Valley 1515 Market SUest-Butte 1325 Philadelphia, PA 19107 (215) 563-5885 FAX (215) 864-2686 RACE 187 W. Allegheny Ave., 2nd Floor Philadelphia, PA 19140 (215) 428-8025 FAX {215) 426-9122 Media Fetlowship House 302 S. Jackson Street Media, PA 19063 (1310), 565.0848 FAX (1310) 585-8587 Community Housing Counselor, Inc. P.O. Box 244 Kennett Square PA 19348 (1310) 444-3682 FAX (610) 444-8243 Philadelphia Council For Community Adv 100 North 17th Street Suite 600 Philadelphia, PA 19103 (215) 567-7803 FAX (215) 963-9941 Community bevel Corp of Frankford Group Ministry 4820 Grissom Street Philadelphia, PA 19124 (?15) 744-2990 FAX (215) 744-2012 American Red Cross of Chester 1729 Edgmont Avenue Chester, PA 19013 (810) .874-1484 CCCS of Delaware Valley 280 North Providence Road Media, PA 19063 (215) 663-5885 ACCT 175 Strafford Ave, Suite 1 Wayne PA 19087 (810) 971-2210 FAX (810) 687-7860 ACCT 144 E. Dekalb Pike King of Prussia, PA 19408 (810) 971-2210 ELK COUNTY John ennedy Center, Inc. 2021 East 20th Street Erie, PA 18510 (814) 898-0400 FAX (814) 898-1243 Northern Tier Community Action Corp P.O. Box 389 135 West 4th Street Emporium, PA 15834 (814) 486.1161 AX (614) 488-0825 ERIE COUNTY 0o er shington Center 1720 Holland Street Eris, PA 18503 (814} 453-5744 FAX (814) 453-5749 Greater Erie Community Action Committee 18 West 9th Street Erie, PA 18501 (814) 459-4581 FAX (814) 456-0181 John F. Kennedy Center, inc. 2021 East 20th Street Erie, PA 16510 (814) 898-0400 FAX (814) 898.1243 FAYETTE COUNTY 425425 6th uite 950 Plttsburgh, PA 15219 (412) 391-1958 or (412) 281-2102 FAX (412) 391-4512 Community Adson Southwest 22 West High Street Waynesburg, PA 15370 (724) 852-2893 CCCS of Western Pennsylvania, Inc. 1 North Gate Square *2 Garden Center Drive Greensburg, PA 15601 (724) 838-1290 Fayette Co. Community Action Agency, Inc. 137 North Beeson Avenue Uniontown, PA 15401 (724) 437-6050 OR 1-800-427-INFO FAX (412) 437-4418 Tableland Services Inc. 131 North Center Avenue Somerset, PA 15501 (614) 445-9828 FAX (814) 443-3690 CCCS Of Western PA 199 Edison Street Uniontown PA 15401 (724) 439-8939 Mon-Vapey Unemployed Committee 120 E. 9th Avenue Homestead, PA 15120 (412) 482-9982 FOREST COUNTY en- ones unties Economic Opportunity CouncN 204 UDerty Street Post Offloe Box 547 Warren, PA 18385 (814) 726-2400 FAX (814) 723-0510 FRANKLIN COUNTY rnenc a ervTces Unlimited 31 West 3ro Street Waynesboro, PA 17268 (717) 762-3285 YWCA of Carlisle 301 G Street Carlisle, PA 17013 (717) 243-3818 FAX {717) 243-3948 CCCS of Western Pennsylvania, Inc. 912 South George Street York, PA 17403 {717) 846-4176 - American Red Cross-Hanover Chapter 529 Carlisle Street Hanover, PA 17331 (717) 637-3768 FAX (717) 637-3294 Community Action Commission of Captial Region 1514 Derry Street Harrisburg, PA 17104 (717) 232-9757 FAX {717) 234-2227 Urban League of Metropolitan Hbg 2107 N. 6th Street Harrisburg, PA 17101 (717) 234-5925 FAX (717) 234-9459 CCCS of Western PA 2000 Linglestown Road Harrisburg, PA 17102 (717) 541-1757 FAX (717) 541-4870 Adams County Housing Authority 138-143 Carlisb St. Gettysburg, PA 17325 (717) 334-1518 FAX (717) 334-8328 FULTON COUNTY e or - u on Housing Services R.D.*1, Box 384 Everett, PA 15537 (814) 623-9129 FAX (814) 823-7187 Financial Counseling Services of Franklin 31 West 3rd Street Waynesboro, PA 17288 (717) 782-3285 CCCS of Western Pennsylvania, Inc. 912 South George Street York, PA 17403 (717) 846-4178 Weatherization Office 917 Mifflin Street (814 X3_2343 18652 GREENS COUNTY .+cnvn r+ousup. Inc. 425 6th Avenue, Suite 950 Plttsbur~t, PA 15219 (412) 391-1956 or (412) 281-2102 FAX (412) 391-4512 Mon-Valley Unemployed Committee 120~E. 9th Avenue Fbmsstead, PA 15120 (412) 462-9982 FAX (412) 462-9984 22~WestHi he~o~Southwest (724y 852 8 3A 15370 FAX (412) 827-7713 CCCS of Western PennsyMania, Inc 1 North Gate Square *2 Garden Center Drive Greensbwrg, PA 15601 (724) 838-1290 HUNTINGDON COUNTY Bedford- ulton ousatg Services RD 1, Box 384 Everett, PA 15537 (814) 823-9129 FAX {814) 623-7187 CCCS of Western Pennsylvania, Inc. 217 E. Plank Road Altoona, PA 18602 (814) 944-8100 FAX (814) 944-5747 Weathertzation Office 917 Mifflin Street Huntingdon, PA 16652 (814) 843-2343 INDIANA COUNTY ~PennsylvaMe, Inc. 1 North Gate Square 82 Garden Center Drive Greensburg, PA 15801 (724) 838-1290 Indiana Co. Community Aetbn Program 827 Water Street, Box 187 Indiana, PA 15701 (724) 465-2657 FAX (412) 485.5118 Keystone Economic Development Corporation 1954 Mary Grace Lane Johnstown, PA 15901 (814) 535-8556 FAX (814) 539-1688 CCCS of Western PA 219-A CoNege Park Plaza Johnstown PA 15904 (814) 539-6335 JEFFERSON COUNTY Jo m nnedY en er, Inc, 2021 East 20th Street Erie, PA 18510 (814) 898-0400 FAX (814) 898-1243 CCCS of Western Pennsybania, Inc. YMCA Building 339 North Washington Street Butler, PA 16001 (724) 282-7812 Indiana County Community Action Program 827 Water Street, Box 187 Indiana, PA 15701 (724) 465-2657 FAX (412) 465.5118 ~ ~6a ~ ~ '~ b ~ ~'~ '~ rt.~ '- ~ .L3 C;1 . ~ ; - c~ -Q _ ~ , . --~ cr, C . ~ ._ CASE NO: 2007-04683 P SHERIFF'S RETURN - REGULAR COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND SOVEREIGN BANK VS PHILLIPY PATRICIA R ET AL MARK CONKLIN Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE PHILLIPY PATRICIA R the DEFENDANT at 1945:00 HOURS, on the 13th day of August 2007 at 236 ERFORD ROAD CAMP HILL, PA 17011 PATRICIA PHILLIPY was served upon by handing to a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 8 f ~ a,~o 7 ~-~,,, 18.00 28.80 .00 10.00 .00 ~f 56.80 Sworn and Subscibed to before me this day So Answers: R. Thomas Kline 08/14/2007 GOLDBECK MCCAFFERTY MCKEEVER By: Deputy Sheriff of A.D. ~. CASE NO: 2007-04683 P SHERIFF'S RETURN - REGULAR COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND SOVEREIGN BANK VS PHILLIPY PATRICIA R ET AL MARK CONKLIN Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon PHILLIPY WILLIAM T the DEFENDANT at 1945:00 HOURS, on the 13th day of August 2007 at 236 ERFORD ROAD CAMP HILL, PA 17011 PATRICIA PHILLIPY, WIFE by handing to a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing 6.00 Service .00 Affidavit .00 Surcharge 10.00 00 Sworn and Subscibed to before me this day So Answers: r ~ ~'-° R. Thomas Kline 08/14/2007 GOLDBECK MCCAFFERTY MCKEEVER By: Deputy Sheriff of A.D. ~• +1 GOLDBECK McCAFFERTY & McKEEVER BY: Joseph A. Goldbeck, Jr. Attorney I.D. #16132 Suite 5000 -Mellon Independence Center 701 Market Street Philadelphia, PA 19106-1532 215-825-6321 Attorney for Plaintiff SOVEREIGN BANK 601 Penn Street Mail Code: 10-6438-MD4 Reading, PA 19601 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Plaintiff vs. FATRICIA R. PHILLIPY WILLIAM T. PHILLIPY 236 Erford Road Camp Hill, PA 17011 Docket No. 07-4683 Defendants PRAECIPE TO DISCONTINUE AND END TO THE PROTHONOTARY: Kindly mark the above case Discontinued and Ended upon payment of your costs only. JOSEPH A. GOLDBECK, JR., ESQUIRE t7 -`~ ~~~ w fi ~'7 ~ am 'Ci C !) ,~ ~~ N ~ ~~~ ~ ~ ~ ..... ~ f'Tt