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Home My WebLink About07-4982 GOLDBECK McCAFFERTY & McKEEVER BY: JOSEPH A. GOLD$ECK, JR. ATTORNEY LD. #16132 SUITE 5000 - MELLON INDEPENDENCE CENTER 701 MARKET STREET PHILADELPHIA, PA 19106 (Z15) 627-1322 WWW.GOLDBECKLAW.COM ATTORNEY FOR PLAINTIFF NATIONAL CITY MORTGAGE INC F/K/A NATIONAL CITY MORTGAGE CO. 3232 New Mark Drive Miamisburg, OH 45342 Plaintiff vs. JOHN E. KNOWLES JOANNE O. KNOWLES Mortgagors and Real Owners 12 Wheatland Drive Mechanicsburg, PA 17055 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION -LAW ACTION OF MORTGAGE FORECLOSURE " yRBa CiVi ( Term Defendants CIVIL AC71fJN1~: MC~~~AC: 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 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 REQUE ESTA DECISION, ES POSSIBLE QUEOUISTED PUEDOA PERDER DE ESTA DEMANDA. POR RAZON D DINERO, PROPIEDAD U OTROS DERECHOS IMPORTANTES. USTED DEBE LLEVA POR TELEFONO LA OFOICINA F DADA AQUI ABAJO. ESTAO O ICINA ABOGADO, VAYA O LLAME PUEDE PROVEERE CON INFORMACI~SN DE CbMO 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. 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.gov 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(u~coldbecklaw.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 55713FC. Para informacion en espanol puede communicarse con Loretta al 215-825-6344. This Action of Mortgage Foreclosure will continue unless you take action to stop it. COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff is NATIONAL CITY MORTGAGE INC F/K/A NATIONAL CITY MORTGAGE CO., 3232 New Mark Drive, Miamisburg, OH 45342. 2. The names and addresses of the Defendants are JOHN E. KNOWLES, 12 Wheatland Drive, Mechanicsburg, PA 17055 and JOANNE O. KNOWLES, 12 Wheatland Drive, Mechanicsburg, PA 17055, who are the mortgagors and real owners of the mortgaged premises hereinafter described. 3. On November 18, 2002 mortgagors made, executed and delivered a mortgage upon the Property hereinafter described to NATIONAL CITY MORTGAGE CO., which mortgage is recorded in the Office of the Recorder of Deeds of Cumberland County as. T'he 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 May 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 ..................................................................................$240,219.56 Interest from 04/01/2007 through 08/31/2007 at 6.1300% .......................$6,172.02 Per Diem interest rate at $40.34 Reasonable Attorney's Fee at 5% of Principal Balance as more fully explained in the next numbered paragraph .................$12,010.98 Late Charges from 05/01/2007 to 08/31/2007 .............................................$309.87 Monthly late charge amount at $77.47 Costs of suit and Title Search ......................................................................$900.00 Fees ................................................................................................................$56.00 Monthly Escrow amount $379.25 $259,668.43 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. 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 $259,668.43, together with interest at the rate of $40.34, 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 Sheriffs Sale of the Property. ,~ 13y: GOLDB CK I~cCAFFERTY & McKEEVER BY: JOS H A. OLDBECK, 1R., ESQUIRE ATTORN FOR PLAINTIFF VERIFICATION I,_Laura Cauper 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: August 16 2007 a Laura Cauper, Authorized Signer NATIONAL CITY MORTGAGE COMPANY #0001622661 -JOHN E. KNOWLES and JOANNE O. KNOWLES ~ki6it A ' i Nov•1~• ?002 3;OOPM ALLIEG_MuRT~AGE Na•2°50 P• it/15 ' COIVAVIITMENT SCHEDULE A ! (continued) ALL THAT CERTAIN tract or Parcel of land and premises, situate, lying and being in the Township of Silver Spring in the County of Cumberland and Commonwealth of Pennsylvania, more .particularly described as follows: BEGINNII~TG at a point on the northern side of Wheatland Drive at the dividing line between Lots Nos. 5 and 6 on the hereinafter mentioned Plan of Lots; thence along said dividing line, North 7 degrees 4 minutes Wert, a distance of five hundred Winery-five and fiRetn hundredths (595.1 S) feet to a point at lands now or formerly of Oliver Rosenberg; thence along said lands now or famlerly of Roswberg, North 82 degrees 50 minutes East, a distance of two hundred twenty (220) feet to a point at the dividing line between Lots Nos. 6 and 7 on the hereinafter mentioned Plan; thence along said .dividing line, South 9 degrees 4 minutes East, adistance offive handtedninety-five and 5fty-three ~ hundredths (595.53) feet to a point on the norUlcm side of Wheatland Drive; thenx along the northern side of Wheatland Drive, South 82 degrees 56 minutes West, a distance of two hundred twenty (220) feet to the dividing line between Lots Nos. S and 6, at the point or place of BEGINATING. CONTAINING three (3) saes, more or less, and being Lot No. b on the Final Plan of Bali Hai, Suction 3, as recorded in the Cumberland County Recorder's Office in Plan Book 52, Page 98. ' UNDER AND SUBJECT to restrictions of record. BEWG the same premises which Robot R Olry and Holly L. Olry, husband snd wife, grsntod and convryed unto John E. Knowles and Joanne O. Knowles, husband and wife, by Deed dated 6/6/1999 and recorded 6/16/1997 in the Recordds Office of Cumberland County, Pennsylvania, in Deed Book Volume 159 Page 391. EXCEPTING 'I'SEREOtfI' AND THEREFROM (1F ANY) 7'$E PREMISES AS MORE FULLY DESCRIBED IN TAE FOLLOWIIVG DEED: NONE END OF REPORT 11/7/02 (e~ 02:24 PM SMALL ENOUGR TO S.ERYE YOUPERSONALLY . LARGBENOUGSTOSFRYE XDUP1tOF,&STIONAlZY TRA2V,E 1'OUFOR USWG T.A. of$arr~sbar=, LLPi File No. HAR123-1591 Commitment No. K226223 This cornnetbnent it bnmHd unless t/tt l~tsw[n8 Provls[ons and Scleedults A and B errs attaelied ~Fiidit ~ $ND$0001622661 DR670CF001 DXC64200000 July 05, 2007 Certified Mail/Return Receipt Requested John E Knowles 12 Wheatland Dr Mechanicsburg PA 17050 Loan No. 0001622661 Current Servicer: National City Mortgage Co. HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OF THE DEFAULT-- The MORTGAGE debt held by the above lender on NATURE OF THE DEFAULT your property located at: 12 Wheatland Dr Mechanicsburg PA 17055 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following month(s) 05/01/2007 - 7/1/2007 and the following amount(s) are now past due: Monthly Payments 5,785.98 Corporate Fees .00 Late Charges 154.94 Non-Sufficient Funds .00 Other Fees .00 Less Suspense Balance .00- Total Due 5,940.92 YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not applicable): HOW TO CURE THE DEFAULT -You may cure the default within thirty (30) days HOW TO CURE THE DEFAULT of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $ 5,940.92, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES LENDER, WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cashier's check, certified check, cash or money order made payable and sent to: National City Mortgage Co. Attn: Customer Counseling Department 3232 Newmark Dr. Miamisburg, OH 45342 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter:(Do not use if not applicable) This is an attempt to collect a debt. Any information obtained will be used for that purpose. Enclosure (F) DR670 057 JCS @ND@ 4107-05-07 $ND$0001622661 DR672CF001 DXC83600000 July 05, 2007 Certified Mail/Return Receipt Requested John E Knowles 12 Wheatland Dr Mechanicsburg PA 17055 Loan No. 0001622661 Current Servicer: National City Mortgage Co. HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OF THE DEFAULT-- The MORTGAGE debt held by the above lender on NATURE OF THE DEFAULT your property located at: 12 Wheatland Dr Mechanicsburg PA 17055 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following month(s) 05/01/2007 - 7/1/2007 and the following amount(s) are now past due: Monthly Payments 5,785.98 Late Charges 154.94 Less Suspense Balance .00- Total Due 5,940.92 YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not applicable): HOW TO CURE THE DEFAULT -You may cure the default within thirty (30) days HOW TO CURE THE DEFAULT of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $ 5,940.92, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES LENDER WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cashier's check, certified check, cash or money order made payable and sent to: National City Mortgage Co. Attn: Customer Counseling Department 3232 Newmark Dr. Miamisburg, OH 45342 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter:(Do not use if not applicable). This is an attempt to collect a debt, any information obtained will be used for that purpose. Enclosure (F) DR672 038 JCS @ND@ 4107-05-07 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to Foreclose. Specific information about the nature of the default is provided in the attached pages. The HO EOWNER'S MORT SAGE ASSI~TeN~~ pROGRAM ~HEMAP) may be a le i explains hew the grogram workQ To see if HEMAP can help veu must MEN' w~,y A CONSUMER RF IT 000N- SELING AGENCY WITHIN 30 D YS OF TH DATE OF THIS N TICE Take this i w h h eet with the (,o peeling Agg~~ The na e. a _ ress and phone number of Consumer Credit Cn s ~ ng Agencies serving your County are included with this Notic M you have any~uestlons, y~ mav~all the Pennsylvania Housing Inance Ag my toll f at 1-800-342 2397 e s w i fired hearing can rail 01 71 780-1 8s9~ 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 in your area. The local bar association may be able to help you find a lawyer. LA NOTIFiCAC10N EN ADJUNTO ES DE SOMA IMPORTANCIA, PLIES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FI- NANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGlBLE 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. HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE OR FINgNCI L ASSIS'reNrs WHICH CAN AVF YOUR HOME FROM FORECLOSURE AND HELP YOII MAKE Fl_ ~R~ GAGE 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 • 1F YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE -Under the Act, you are entitled to a tempo- rary stay of foreclosure on your mortgage for thirty (30) days from the date of this No- tice. 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 MEET- ING MUST OCCUR WITHIN THE NEXT (30) DAYS IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE t p TO DATE THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORT- GAGE DEFAULT' EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the con- sumer 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 telephone numbers of designated consumer credit counseling agencies for the county in which_the nro~ertv 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. 3 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 FOLL0IMNG 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.) IF YOU DO NOT CURE THE DEFAULT(see aas~e 7 i - If you do not cure the default within TH{RTY (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 attomeys to start legal action to foreclose uQon your mortgage property. IF THE MORTGAGE IS FORECLOSED UPON -The mortgaged property wilt 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 attomeys fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attomeys' fees actually incurred by the tender even if they exceed $50.00. Any attomeys fees will be added to the amount you owe the lender, which may also inGude other reasonable costs. If you cure the default within the THIRTY (301 DAY period. you will not be required to aay attorney's fees. OTHER LENDER REMEDIES -The lender may also sue you personally for the unpaid principal balance and alt ather 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 begun1 you still have the right to cure the default and prevent the sale at any time up to one- hour before the Sheriff s Sale. You may do so by paying the total amount then Qast due. plus anY late or other charges then due, reasonable attomeys fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specked in writing by the lender and by performing any other requirements underthe mortgage. Cur- ing 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 approxi- mately FOUR(4) 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 be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: National City Mortgage Address: 3232 Newmark Dr. Miamisburg OH 45342 Phone Number: 1-800-523-8654. Fax Number: (937) 910-4057 Contact Person: COLLECTIONS DEPT. 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 Sate, a lawsuit to remove you and your furnishing and other belongings could be started by the lender at any time. ASSUMPTION OFMORTGAGE -You may or may not be able to sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that afl 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. For additional informa- tion please contact the Collection Dept. 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 BE- HALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DE- FAULT 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 DEFAULT IN ANY FORECLOSURE PRO- CEEDING ORANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE D000- MENTS. TO ASSERTANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. APPENDIX C ` PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES ADAMS COUNTY Ame~.an a ~oss- Hanover Chapter 529 Carlisle Street Hanover, Pennsyvania 17331 {717) 837-3788 FAX (717) 837-3294 CCCS of Western PA 2000 Linglestown Road Harrisburg PA 17102 (717) 641-1757 FAX (717) 541-4870 Financial Counseling Services of Franklin 31 West 3rd Street Waynesboro, PA 17288 (717) 782-3285 Adams County Housing Author%y 139-143 Carlisle St (717334--151817325 FAX (717) 334-8326 ALl GtiENY COUNTY erx-sy van a ous ng Finance Agency (Marele Hess) 2275 9wa%ow Hiil road, Bldg 200 (4129-284215220 FAX (412) 429-2835 Cred% Corrrrselors of PA 401 Wood Street, Suite 906 Pittsburgh, PA 15222 F4AX)(4 2j 338-9963(0) 737-2933 Acton .Housing, Inc. 425 6th Avenue, Su%e 950 Pittsburgh, PA 15219 (412) 391-1958 or (412)281-2102 or 1 (800) 792-2801 FAX (412}391-4512 Comrr-rurily Action Southwest 22 West High Street Waynesburg, PA 15370 (724) 852-2893 CCCS of Western Pennsylvania, Ina. 309 Smithfield Street Pittsburgh, PA 15222 (412) 471-7584 Houskg Opportuntles 133 Seventh Street McKeesport PA 15132 412) 884.1906 ax (412) 884-0873 Urban League Of Pittsburgh BWg. For Equal Opportun%y one smltnnea st. Pittsburgh PA 15222-2222 (412) 227-4802 FAX (412) 261-5207 Mon-Va%ey Unemployed Committee 120 E. 9qr Avenue Homestead, PA 15120 (412) 462-9962 ARMSTRONCiCOUNTY em ennsyNania, Inc. 217 E. Plank Road A%oona PA 16602 (814) 944-8100 or (614) 944-5747 Indiana Co. Community Action Program 827 Water Street, Box 187 Indiana PA 15701 (724) 485-2657 FAX (724) 485-5118 Credit Counselors of PA 401 Wood Street, Su%e 908 Pittstxxgh, PA 15222 (412) 338-9954 or 1(800) 737-2933 FAX (412) 338-9963 BEAVER COUNTY n ou nc. 425 6th Avenue, Su%e 950 Piltsblagh, PA 15219 (412} 391-1958 FAX (412) 391 X512 CCCS of Western Pennsylvania, Inc. 971 Third Street Beaver, PA 15009 (724) 774-0798 Housing Opportunities of Beaver County, Inc. 850 Corporation St, Suite 207 Beaver, PA 15009 (724) 72&7511 Mon Valley Unemployed Comm%tee 120 E. 9th Avenue Homestead, PA 15120 (412) 462-9962 (412) 4432-9964 Fbusing Opporlun%les Inc. 133 Seventh Street P.O. Box 9 MdCeesport PA 15134 Crod% Counselors of PA 401 Wood Street, Suite 908 Pittsburgh, PA 15222 (412) 338-9954 or 1(800) 737-2933 FAX (412) 338-9983 BEDFORD COUNTY - u%n Dosing Services 10241 Lincoln Highway Everett, PA 15537 {814) 823-9129 FAX (814) 623-7187 CCCS of Western Pennsylvania, Inc. 217 E. Plank Road A%oona PA 18802 (814) 944-8100 FAX (814) 944-5747 Keystone Economic Development Corporation 1954 Mary Grace Lane Johnstown, PA 15901 (814) 535-6558 FAX (814) 539-1688 Tableland Services, Inc. 535 East Main Sheet Somerset PA 15501 (814) 445-9628 or 1-800-452-0148 FAX (814) 443-3690 Weatherization Office 917 MifflM Street Huntingdon, PA 16852 (814) 643-2343 BERKS COUNTY Su' cTgef~ounse~atg Center 247 North Filth Street Reading, PA 19601 (610) 375-7866 FAX (610) 375-7830 CCCS of Lehigh Valley 3871 Crescent Court East Whitehall PA 18052 (610) 821-4011 or 800-220-2733 (814) Dory FAX (810) 821-8932 Economic Opportunity Cabinet of SchuyMcill County 225 N. Centre Street Pottsvgle, PA 17901 (717) 622-1995 FAX (717) 822-0429 Community Housing Counselor, Inc. P.O. Box 244 Kennett Square, PA 19348 (810) 444-3682 FAX (810) 444-8243 BLAIR COIiNTY or - on Dosing Services R.D.it, Box 384 Everett, PA 15537 (814) 823-9129 FAX (814) 823-7187 Keystone Economic Development Corp 1954 Mary Grace Lane Johnstown PA 15901 FBAX)(84539-1888 CCCS of Western Pennsylvania, Inc. 217 E. Plenk Road A%oona PA 16802 (814) 944-8100 or (814) 944-5747 Weatherization Office 917 Mifflin Street Huntingdon, PA 16652 (814) 843-2343 BRADFORD COUNTY o astern Pennsylvania 1400 Abington ExearBve Park, Suite 1 Clarks Summitt, PA 18411 FAX)(570)9587-9134/9100.922-9537 31 W. Market St. Vwlkes-Barre, PA 18702 (570) 821-0837 or 800-822-9537 FAX (570) 821-1785 9 South 7th Street Stroudsburg PA 18380 (S70) 420-8980 or 800-922-9537 FAX (570) 420-8981 1631 S Atherton St, Su% 100 State College, PA 16801 (814) 238-3688 FAX (814) 2383869 The Trehab Gaoler of Northeastern PA 10 Public Avemre Montrose, PA 18801 (570) 278-3338 or 800-982-4045 FAX (570) 278-1889 185 Elmira Street P.O. Box 218 Troy, PA 18947 (570) 297-2101 German Street, P.O. Box 389 Dushore, PA 18814 (570) 928-9868 FAX (570) 926-8144 103 Warren Street, P.O. Box 709 Tunkhannodc PA 18857 (570) 836-6840 FAX (570) 836-6332 (Rev.6/99) 33 Walnut Street We%stxxo, PA 18901 (570) 724-5252 FAX (570) 724-5783 931 Main Street Honesdale PA 18431 (570) 253-8941 FAX (570) 253-4817 BUCKS COUNTY ~Oin RouTZ:orporation 848 North Broad Street Philadelphia, PA 19130 215) 785-1221 AX (215) 785-1427 Northwest Counsela~g Service 5001 North Broad Street Philadelphia , PA 19141 (215) 324-7500 FAX (215) 324-8753 Bucks County Housing Group, Inc. 140 Eaat Rkhardson Avenue Langhorne, PA 19047 (215) 750-4310 FAX (215) 750-4318 CCCS of Delaware VaNey 1515 Market Street -Suite 1325 Philadelphia PA 19107 (215) 583-5885 FAX (215) 884-2888 RACE 167 Allegheny Ave 2nd Fi. Philadelphia, PA 19140 215) 428-8025 AX (215) 426-9122 CCCS of Delaware Valley Trevose Corporate Center 44306 Street Road Trevose PA 19047 (215) 583-5885 Community Devel. Corp of Frankford 4820 Gdsoom Street Philedalphis, PA 19124 (215) 744-2990 FAX (215) 744-2012 CCCS of Lehigh Va%ey 3671 Cresoent Court last Wh%ehaN, PA 18052 (810) 821-4011 OR 800.220-2733 FAX (810) 821-8932 American Cred% Counsekng Institute 845 Coates St. Coatesvi%e PA 19320 (888) 212-8741 144 E Dekalb Pike King of Prussia PA 19406 610.971-2210 FAX (810) 265-4814 755 York Rd, Suite 103 Warminster PA 18974 (215) 444-9429 FAX (215) 956-8344 ER COUNTY n ousrng, Inc. 425 8th Avenue, Su%e 950 Pittsburgh, PA 15219 (412) 391-1956 or (412) 281-2102 FAX (412) 391-4512 CCCS of Western PA YMCA Building 339 North Washington Streel Butler, PA 16001 (724) 282-7812 Housing Opportunities, Inc. CCCS of Lehigh Valley RACE CCCS of No-tireastern PA , 650 Corporate St., Suite 207 3671 Cresent Court East 167 W. Allegheny Ave, 2nd FI. 1631 S Atherton St., Suite 100 ^ McKeesport, PA 15132 Whitehall PA 18052 Philadelphia, PA 19140 State College, PA 16801 (412) 664-1590 610-821-4011 or 800.220-2733 (215) 426-8025 (814) 238-3688 FAX (412) 864-0873 570 ~ 814 ony fw 800* FAX (215) 426-9122 FAX (814) 238-3669 FAX (810) 821-0137 Community Housing Counseling Inc Mon-Valley Unemployed Committee P.O. Box 244 CCCS of Western PA 120 E. 9th Avenue CCCS of Northeastern Pennsyhania Kennett Square, PA 19348 219-A College Park Plaza Homestead, PA 15120 1400 Abington Exetxfive Park, Suite 1 (610) 444-3682 Johnstown PA 15904 (412) 462-9962 Clarks Summitt, PA 18411 FAX (610) 444-8243 (814) 539-6335 FAX (412) 462-9964 (570) 587-9163 OR 1-800-922-9537 FAX (570) 587-9134!9135 Media Fegowship House CUNTON COUNTY - Housing Opportunkbs Inc. 302 S. Jackson Street Lycom n Tg-~(nton Counties 133 Seventh Street 31 W. Market St. Media, PA 19083 Commission For Cwnmunity Action P.O. Box 9 UVNkes-Barre, PA 18702 (610) 565-0848 (STEP) McKeesport, PA 15134 (570) 821-0837 or 800.922-9537 FAX (610) 565-8567 2138 Lincoln Street 412) 664-1906 ~ FAX (570} 821-1785 P.O. Box 1328 AX (412) 684-0873 Phila Councl Fw Community Adv WNNamsport, PA 17703 9 South 7th Street 100 North 17th Street, Suite 600 (570) 326-0587 Credk Counselors of PA Stroudsburg PA 18360 Philadelphia, PA 19103 FAX (570) 322-2197 401 Wood Street, Suite 908 (570) 420-8980 or 800-922-9537 (215) 587-7803 Pittsburgh, PA 15222 FAX (570) 420-8961 FAX (215) 963-9941 CCCS of Northeastern PA (412} 338-9954 w 1(800) 737-2933 1831 S Atherton St., Suite 100 FAX (412) 338-9983 1631 S Atherton St, Suite 100 Tabor Community Services, Inc. State College, PA 18801 Slate Colbge, PA 16801 439 E. King Street (814) 238-3688 CAMBRI COUNTY (814) 238-38ti8 Lancaster, PA 17602 FAX (814) 238.3689 o • u on kwsing Services FAX (814) 238-3669 (717) 387-5182 OR 1-800.788-5082 R.O.*1, Box 384 (H.O.only) CCCS of Norihestem PA Everett, PA 15537 Comrnissiort on Economics Opportunity FAX (717) 399-4127 201 Basin Street } FB r La e A 17703 (5 (814) 623.7187 AX 183 Ambe n Community Oevel. Corp of Frenkford 70)-6827 Wilkey-Barre, PA 18702 Group Ministry FAX (570) 323-6026 CCCS of Western PA (570) 826-0510 OR 1-800-822-0359 4ti20 Grissom Street 217 E. Plank Road FAX (570) 829-1665-CALL BEFORE Philadelphia, PA 19124 COL ~MBIACOUNTY Akoona PA 16602 FAXING (215) 744-2990 o eastern Pennsylvania (814) 944-8100 (570) 455-4994 fiAZELTON FAX (215) 744-2012 31 W. Market Street FAX (814) 944-5747 FAX (570) 455-5631--CALL BEFORE P.O. Boa 1127 FAXING American Red Cross of Chester VNNcea--Barre, PA 18702 Indiana County Communky Action (570) 836.4090 TUNKHANNOCK 1729 EdgemoM Avenue {570) 821-0837 OR i-800-922-9537 Program Chester, PA 19013 FAX (570) 821-1785 827 Water Street, Box 187 CENTRE COUNTY (610) 874-1484 Indiana, PA 15701 ~0 9 seP~em Pennsylvania, Inc. 1400 AbirkyEon Executive Park, Suite! (412) 465-2657 217 E. Plank Road CCCS of Delaware Valley Clarke Surtrrrtt, PA 18411 FAX (412) 465-5118 Akoona, PA 18602 MarshaN Buikting (570) 587-9163 w800-922-9537 (814) 944-8100 790 E. Market St., Suke 215 FAX (570) 567-9134/9135 Keystone Econ Development Corp. FAX (814} 944-5747 West Chester, PA 19382 1954 Mary Grace Lane (215) 583-5685 Comrtkissbn on Ecorwmics OpporAtrtity Johnstown PA 15901 Lycoming-Clinton Co Comm Fw of Luzeme County (814) 535-6556 Community American CredN Counseling Institute 163 Amber lane FAX (814) 539-1688 Action (STEP 845 Coates St. WWkea-Barre, PA 18702 2138 Uncoln Street CoatesviNe PA 19320 (570) 828-0510 OR 1-800-822-0359 CCCS of Western PA P.O. Box 1328 (888) 212-6741 FAX (570) 829.1665--CALL BEFORE 219-A College Park Plaza Wikiamsport, PA 17703 144 E. Dekalb Pike FAXING Johnstown PA 15904 (570) 326-0587 570) 455-4994 HAZELTON (814) 539-8335 FAX (570) 322-2197 King of Pntssia, PA 19408 AX (570) 455-5831-CALL BEFORE Tabbhnd Services, Inc. (610) 971-2210 FAXING 535 East Main Street CCCS of Northeastern PA FAX (810) 265-4814 (570) 836-4090 TUNKHANNOCK Somerset PA 15501 1631 S. Atherton St, Suite 100 (814) 445-9628 or 1-800.452-0148 State College PA 16801 755 York Rd, Suite 103 CRAWFORDCOUNTY FAX (814) 443-3690 FB ) 2 Warminster PA 18974 as ngton Center (814) 38-3669 AX (215) 444-9429 1720 Holland Street CAMERON CO TY FAX (215) 956.6344 Erie, PA 16503 No tern er ommun Action ~ ~• CCCS of Northeastern PA 201 Basin Street CLARION COU TY (814) 453-5744 FAX (814) 453-6749 P.O. Box 369 Williamsport, PA 17703 o slam ennsylvania, Inc. 135 West 4th Street (570) 328-0587 YMCA Building Greater Erie Community Action Emporium, PA 15834 FAX (570) 322-2197 339 North Washington Street Committee (814) 486-1161 Butler, PA 16001 18 West 91h Street FAX {814) 486-0825 CHESTER COUNTY (412) 282-7812 Erb, PA 16501 orn ous ng orporation (814) 459-4581 CCCS of Westen PA 848 North Broad Street CLEARFIELD COUNTY FAX (814) 456-0181 217 E. Plank Road Philadelphia, PA 19130 eystona conomrc velopment Altoona PA 16602 (215) 765-1221 Corporation John F. Kerutedy Center, Inc. (814) 944-8100 FAX (215) 765-1427 1954 Mary Grace Lane 2021 East 20tit Street FAX {814) 944-5747 , 15901 n PA oh ; ow ~ t8rle, PA 1~~ Northwest Counseling Services 5 ~ ~ - 8 8~ ) CCCS of Westen PA 5001 N. Broad Street FAX (814) 539-1688 FAX (614) 898.1243 217 E. Plank Road Phlladelphia, PA 19141 Akoona, PA 16602 (215) 324-7500 Indiana Co. Communky Action Shenango Valley Urban League, Inc. (814) 944-8100 FAX (215) 324-8753 Program 601 Indiana Avenue FAX (814) 944-5747 827 Water Street, Box 187 FarreN, PA 16121 Budget Counseling Center Indiana, PA 15701 (412) 981-5310 CARBON COUNTY 247 North Fifth Street (724) 465-2657 €~f c it County Reading, PA 19601 FAX (412) 465-5118 CUMBERLAND COUNTY 225 N. Centre Street (610) 375-7866 es ern ennsylvania, inc. PottsviNe, PA 17901 FAX (610) 375-7830 CCCS of Western Pennsylvania, Inc. 2000 Ungbstown Road (570) 622-1995 217 E. Plank Road Harrisburg, PA 17102 FAX (570} 622-0429 CCCS of Delaware Valley Akoona PA 16602 (717) 541-1757 1515 Market Street, Suite 1325 (814) 944-8100 FAX (717) 541-4670 Philadelphia, PA 19107 FAX (814) 944-5747 (215) 563-5665 FAX (215) 563-7020 Financial,Counseling Services of lrranklin 31 West 3rd Street Waynesboro, PA 17288 (717) 762-3285 Urban League of Metropolitan Harrisburg N. 6th Street Hanisburg, PA 17101 (717) 234-5925 FAX (717) 234-9459 YWCA of CerBsle 301 G Street Carlisle, PA 17013 (717) 243-3818 FAX (717) 731-9589 Community Action Comm of the Capital Regan 1514 Derry Street Hanisburg, PA 17104 (717) 232-9757 FAX (717) 234-2227 Adams County Housing Authority 139-143 Carlisle St. Gettysburg, PA 17325 (717) 334-1518 FAX (717) 334-8326 DAUPHIN COUNTY ~ o em ylvania, Inc. 2000 Linglestown Road Harrisburg, PA 17102 (717) 541-1757 FAX (717) 541.4870 Urban League of MetropoNtan Hanisburg 2107 N. 6th Street Harrisburg, PA 17101 (717) 234-5925 FAX (717) 234-9459 Community Action Commission of the Capital Region 1514 Derry Street Harrisburg PA 17104 717) 232-9757 ~AX (717) 234-2227 DELAWARE COINITY wrn ous ng orporetion 848 North Broad Street Philadelphia, 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 Markel Street-Suite 1325 Philadelphia, PA 19107 (215) 583-5665 FAX (215) 664-2668 HACE 167 W. Allegheny Ave., 2nd Fbor PMladelphia, PA 19140 (215) 428-8025 FAX (215) 426-9122 Media Fepowship House 302 S. Jackson Street Media, PA 19083 (810) 565-0848 FAX (810) 565-8587 Communiy Housing Counselor, Inc. P.O. Box 244 Kennett Square PA 19348 (610) 444-3062 FAX (610) 444-8243 Philadelphia Counal For Community Adv 100 North 17th Street Suite 800 Philadelphia, PA 19103 (215) 587-7803 FAX (215) 983-9941 CommunRy bevel Corp of Frankford Group Ministry 4620 Grissom Streel Philadelphia, PA 19124 (215) 744-2990 FAX (215) T44-2012 American Red Cross of Chester 1729 Edgmont Avenue Chester, PA 19013 (810) 874-1484 CCCS of Delaware Valley 280 North Providence Road Media, PA 19083 (215) 563-5665 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 19406 (810) 971-2210 ELK COUNTY ohn ennedy Center, Inc. 2021 East 20th Street Erie, PA 16510 (814) 898-0400 FAX (814) 898-1243 Northam Tier Community Adfon Corp P.O. Box 389 135 West 4th Street Emporium, PA 15834 (814} 486-1181 FAX (814) 488-0825 ERIE COUNTY 0o eashington Center 1720 Holland Street Erie, PA 18503 (814) 453-5744 FAX (814) 453-5749 Greater Eris Community Action Committee 18 West 9th Street Eris, PA 16501 (814) 459-4581 FAX (814) 458-0181 John F. Kennedy Center, Inc. 2021 East 20th Streel Erie, PA 18510 (814) 898-0400 FAX (814) 898-1243 FAYETTE COUNTY n ou nc. 425 6th Avenue, Suite 950 Pittsburgh, PA 15219 (412) 391-1956 or (412) 281-2102 FAX (412) 391-4512 Community Action 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 (814) 445-9828 FAX (814) 443.3690 CCCS Of Western PA 199 Edison Street Uniontown PA 15401 (724) 439-8939 Mon-Valley Unemployed Committee 120 E. 9th Avenue Homestead, PA 15120 (412) 482-99112 FOREST COUNTY amen- orr unties Economic Opportunity Council 204 Liberty Street Post Office box 547 Warren, PA 16365 (814) 728-2400 FAX (814) 723-0510 FRANKLIN COUNTY nanc a rv ces nlimited 31 West 3rd 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) 848-4178 American Red Cross-Hanover Chapter 529 Carlisle Street Hanover, PA 17331 (717) 637-3768 FAX (717) 637-3294 Community Action Commission of Capttal Region 1514 Derry Street Harrisburg, PA 17104 (717) 232-9757 FAX (717) 234-2n7 Urban League of Melropoltan 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 139-143 Carlisle St. Gettysburg, PA 17325 (717) 334-1518 FAX (717) 334-8328 FULTON COUNTY o - ton ousing Services R.D./1, Box 384 Everett, PA 15537 (814) 623-9129 FAX (814) 623-7187 Financial Counseling Services of Franklin 31 West 3rd Street Waynesboro, PA 17268 (717) 782-3285 CCCS of Western Pennsylvania, Inc. 912 South George Street York, PA 17403 (717) 846-4176 Weatherization Office 917 Mifflin Street Huntingdon, PA 18652 (814) 643-2343 GIREENE COUNTY n ou ng, Inc. 425 6th Avenue, Suite 950 Pittsburgh, PA 15219 F4AX)(492)139r~1-4512412) 281-2102 Mon-Valley Unemployed Committee 120 E. 9th Avenue Homestead, PA 15120 (412) 482-9982 FAX (412) 482-9964 Community Action Southwest n west Hign street Waynesburg, PA 15370 (724) 852-2893 FAX (412) B27-7713 CCCS of Western Pennsylvania, Inc 1 North Gate Square ~2 Garoen Center Drive Greensburg, PA 15801 (724) 838-1290 HUNTiNfiDON COUNTY u on ousmg Services RD 1, Box 384 Everett, PA 15537 (814) 623-9129 FAX (814) 823-7187 CCCS of Western Pemsylvania, Inc. 217 E. Plank Road Altoona, PA 18602 (814) 944-8100 FAX (814) 944-5747 Weatherizafion Office 917 Mifflin Street Huntingdon, PA 16652 (814) 643-2343 INOfANA COUNTY o astern Pennsylvania. Inc. 1 North Gate Square *2 Garden Center Drive Greensburg, PA 15801 (724) 838-1290 Indiana Co. Community Action Program 827 Water Street, Box 187 Indiana, PA 15701 (724) 485-2657 FAX (412) 485-5118 Keystone Economic Development Corporation 1954 Mary Grece Lane Johnstown, PA 15901 (814) 533-6556 FAX (814) 539-1688 CCCS of Western PA 219-A College Park Plaza Johnstown PA 15904 (814) 539-6335 JEFFERSON COUNTY John needy ter, Inc. 2021 East 20th Street Erie, PA 16510 (814) 898-0400 FAX (814) 898-1243 CCCS of Western Pennsylvania, Inc. YMCA Building 339 North Washington Street Butler, PA 16001 (724) 262-7812 Indiana County Community Action Program 827 Water Street, Box 187 Indiana. PA 15701 (724) 465-2657 FAX (412) 465-5118 JUNIATA COUNT1f o Western Pennsylvania, Inc. 217 E. Ptank Road Altoona PA 16602 (814) 944-8100 FAX {814) 944-5747 Weatherization Office 917 Mifflin Street Huntingdon, PA 16652 {814) 843-2343 LACKAWANNACOUNTY 0 o astern ennsyhranfa 31 W. Market Street ' P.O. Box 1127 Wlkes-Barre, PA 18702 FSAX)(570)~8217107851-800-922-9537 1400 Abkrgton Execulinre Park, SuHe 1 parks Summitt, PA 18411 FSAX) (570) 9587-9134/91359537 LANCASTER COUNTY un y ou ng ounselore, incorporated P.O. Box 244 Kennett Square, PA 19348 (215) 444-3882 FAX (215) 444-3178 CCCS of Lehigh Vatyey 3871 Crescent Court East Whitehaty, PA 18052 (215) 821-4011 1-800-220-2733 F7AX (215) 82 1932 CCCS of Westem Pennsylvania, Inc. 912 South George Street York, PA 17403 (717) 846-4178 Tabor Community Services, Inc. 439 E. King Street Lancaster, PA 17602 (717) 397-5182 OR 1-800-788.5062 FAX (717) 399~t127 LAWRENCE COUNTY em ennsylvania 1st Federal Plaza-Suite 408 North MNI Street New Castle, PA 18101 (724) 652-8074 312 Chestnut Street, Suke 227 Meadville PA 18335 (814) 333-8570 Shenango Valley Urban League, Inc. 601 Indiana Avenue Ferrety, PA 16121 (724) 881-5310 Housing Opportunities of Beaver County 65o Corporetton St, Sufle 207 Beaver, PA 15009 (724) 728-7202 FAX (412) 728-7202 LEBANON COUNTY conomic pportuniry Cabinet of scn~ylluu cour~y 225 North Centre Street Pottsville, PA 17901 (570) 822-1995 FAX (570) 622-0429 Tabor Community Services, Inc 439 E. King Street Lancaster, PA 17602 F7AX)(717) 399-41271-800-788-5082 LEHIGH COUNTY poi e1~hTg6-Valley 3871 Crescent Court East Whitehall, PA 18052 (810) 821-4011 OR 1-800-220-2733 (570) & (814) ONLY FAX (810) 821-8932 Economic Opport Cabinet of Schuylkill Co 225 North Centre Street Pottsville, PA 17901 (570) 822-1995 FAX (570) 822-0429 LUZERNE COUNTY ~ o ortheastem PennsylvaMa 31 W. Market Street P.O. Box 1127 Wikes-Barre, PA 18702 FSAX)(570) 821710f 51-800-922.9537 1400 Abington Executive Park Suite 1 Clarks Summitt, PA 18411 FSAX)(570 587-91348 91352-9537 Comm, on Eton Opportunity of Luzerne County 183 Amber Lane Wilkes-Barre, Pennsylvania 18702 (570) 828-0510 OR 1-800-822-0358 FAX (570) 829-1665--C•ALL BEFORE FAXING (570) 455-4994 HAZELTON FAX (570) 4555831-CALL BEFORE FAXING (570) 838-4090 TUNKHANNOCK EOC of Schuylkill County 225 North Centre Street Pottsville, PA 17901 (570) 622-1995 FAX (570) 622-0429 LYCOMING COUNTY 0 o astem Pennsylvania 31 W. Market Street P.O. Box 1127 Wilkes-Barre, PA 18702 FSAX)(570) 821717851-800-922-9537 1400 Abington Executive Park Suite 1 Clarks SummitL PA 18411 FSAX)(570)9587--9134/ 19 352-9537 201 Basin Street Williamsport, PA 17703 FSAX)(S70) 3223-6628 Lycoming-Clinton Counties Commission For Community Action (STEP) 2138 Lincoln Street P.O. Box 1328 Williamsport, PA 17703 (570) 328-0587 FAX (570) 322-2197 MCKEAN COUNTY John needy er, Inc. 2021 East 201h Street Erie, PA 16510 (814) 898-0400 FAX (814) 898-1243 Northam Tier Community Action Corp P.O. Box 389 135 W. 4th Street Emporium, PA 15834 (814) 486-1161 FAX (814) 486-0825 MERCER COUNTY en$~ a~e~Urban League, inc. 601 Indiana Avenue FarreN, PA 16121 (724) 981-5310 CCCS of Westem Pennsylvania, Inc. YMCA Building 339 North Washington Street Butler, PA 16001 (724} 282-7812 MIFFLIN COUNTY o estem Pennsylvania, Inc. 217 E. Plank Road Altoona PA 16602 (814} 944-8100 FAX (814) 9445747 Weatherization Office 917 Mifflin Street Huntingdon, PA 16852 (814) 643-2343 CCCS of Northeastern PA 1031 S Atherton St Sutte 100 State College PA 18801 (814) 238-3668 FAX (814) 238-3669 MONROECOUNTY 0 or~em Pennsylvania 31 W. Market Street P.O. Box 1127 Wilkes-Barra, PA 18702 F5'7~0)(8201)1883710~ 1-800-922-9537 1400 Abington Farecutive Park Suite 1 Clarks Summitt PA 18411 FSAX) (570)9587-9i 34191352-9537 9 South 7th Street Stroudsburg PA 18360 (570) 420-8980 or 800-922-9537 FAX (570) 420-8981 Comm on Eton Opp of Luzeme County 183 Amber Lane Wilkes-Barre, PA 18702 (570) 828-0510 OR 1-800-822-0359 FAX (570) 829-1685--CALL BEFORE FAXING (570) 455-4994 HAZELTON FAX (570) 455-5631-CALL BEFORE FAXING (570) 636.4090 TUNKHANNOCK MONTGOMERY COUNTY 848 North Broad S e~et n Philadelphia, PA 19130 (215) 765-1221 FAX (215) 765-1427 Northwest Counseing Service 5001 N. Broad Street Philadelphia, PA 19141 (215) 324-7500 FAX (215) 324-8753 CCCS of Delaware Valley Norristown Business Center 190 W. Germantown Pike, Suite 140 Norristown PA 19401 (215) 563-5665 Community Action Devebpment Comm 701 DeKalb Street Norristown, PA 19401 (610) 277-6363 FAX (610) 277-2123 CCCS of Delaware Valley 1515 Market Street, Suke 1325 Philadelphia, PA 19107 (215) 563-5665 FAX (215) 6642666 CommunNy Housing Counselors Inc P.O. Box 244 Kennett Square, PA 19348 (215) 444-3682 FAX (215) 4448243 Media Fellowship House ~ 302 S. Jackson Street Media, PA 18063 (810) 585-0848 Phila Council For Community Advmnt 100 North 171h Street, Suite 800 Philadelphia, PA 19103 (215) 567-7803 FAX (215) 963-9941 American Credit Counseling Institute 845 Coates St. Coateavitye, PA 19320 (888) 212-6741 144 E. Dekalb Pike King of Prussia PA 19406 (610) 971-2210 FAX (810) 2654814 755 York Rd., Sutye 103 Wanrrirrster PA 16974 (215) 444-9429 FAX (215} 9568344 M~COUNTY o teas em Pennsyhranla 31 W. Market Street P.O. Box 1127 W81tes-llama, PA 18702 FSAX)(570) 821710 51-800-922-9537 1400 Abirgtan Executive Park, Suits 1 parks Summitl, PA 18411 FSAX)(570) 5 8 91 34/91-9537 NORTHAtytyPTON COUNTY Z`C~3~o~ie~h~ai e~ 3871 Crescerrl Court Eaat Whkehall, PA 18052 X17) ~ 8~110N R 1-800-220-2733 FAX (810) 821-8932 NO H MBERLANDCOUNTY eastern enns ania 31 W. Market Street P.O. Box 1127 Wilkes-Bane, PA 18702 FSAX)(570}-083710R 1-800-922-9537 1400 Abington Executve Park Suite 1 Clarks Summtyt, PA 1&111 FSAX)(570 589 134 522-9537 201 Basin Street Witylemsport, PA 17703 (570) 323.8627 FAX (570) 323-6828 Economic Opportunity Cabinet of Schuylkip County 225 North Centre Street Pottsville, PA 17901 (570) 822-1995 FAX (570) 822-0429 PERRY COUNTY stem Pennsylvania, Inc. 2000 Linglestown Road Harristxrrg, PA 17102 (717) 541-1757 FAX (717) 541-4870 Financial Counseling Services of Frenklin 31 West 3rd Street Waynesboro, PA 17288 (717) 762-3285 Urban League of Metropolitan Harrisburg 2107 N.6th Street Harrisburg, PA 17101 (717) 234-5925 FAX (717) 234-9459 Weatthhgqnzalion Office • 917'Miiftin Street Huntingdon, PA 16652 (814) 643-2343 YWCA of Carlisle 301 G Street CarNsk, PA 17013 (717) 243-3818 FAX (717) 243-3948 Community Ad'ron Commission of The Capital Region 1514 Deny Street Hanisburg PA 17104 (717) 232-9757 FAX (717) 234-2227 PFNLADEt.PtMA COUNTY us ng orpora on 846 North Broad Street Philadelphia, PA 19130 (215) 785-1221 FAX (215) 785-1427 Northwest CounseNng Service 5001 N Brosd Street Philsdelphia PA 19141 (215) 324-7500 FAX (215} 324-8753 CCCS of Delaware Valey 1515 Market SUeel Suite 1325 Philadelphia, PA 19107 (215) 583-5865 FAX (215) 884-2668) CCCS of Delaware Valey One Cherry FNN, Suite 215 Cherry HNI )VJ 08002 (215) 583-5885 RACE 187 W. Allegheny, 2nd FI Philadelphia, PA 19140 (215) 428-8025 FAX (215) 426-9122 Housing Association of Delaware Valley 1500 Wakwt Street, Suite 601 Phibdelphia, PA 19102 (215) 545-6010 FAX (215) 790.9132 Media FeNowship House 302 S. Jackson Street Media PA 190133 (1310) 5B5-0848 FAX (651) 5135-8587 VFbusirp Association d Delaware 888 North Watts Street PMlsdelphle, PA 19123 (215) 978-0224 FAX (215) 765-7814 PCCA 100 North 17TH Streef,Suite 600 Philadelphia, PA 19103 (215) 587-7803 FAX (215) 963-9941 Comm Devel. Corp of Frankford Group Ministry 4820 Grissom Street Philadelphia PA 19124 (215).744-2990 FAX (215) 744-2012 American Credit CounseNng Institute 845 Coates St l;oatesviNe PA 19320 (888) 212-8741 144 E Dekalb Pike King of Pnrssia PA 19406 810.971-2210 810-971-2210 755 York Rd, Suite 103 Warminster PA 18974 FAX(215) 956-6344 PIKE COUNTY 0 ortheastem Pennsyvania 31 W. Market SUeet, POB 1127 1MNces-Barre, PA 18702 570) 821-0837 OR 1-80D-922-9537 ~AX (570} 821-1785 1400 Abington Executive Park, Suile 1 Clarks Summitt PA 18411 FSAX)(570) 587-9134!91352.9537 9 South 7th SUeet Stroudsburg PA 18380 (570) 420-8980 or 800.922.9537 FAX (570) 420-8981 POTTER CO NTY rer omrrruiity Action Corp. 135 West 4th Street Emporium, PA 15834 (814) 488-1181 FAX (814) 488-0825 8CNUYLKILL COUNTY get se ng enter 247 North Fifth Street Reading, PA 19601 {810) 375-7866 FAX (810) 375-7830 Econ Opport Cabinet of SchuyNdN Co 225 N. Centre Street Pottsville, PA 17901 (570) 822-1995 FAX (570) 622-0429 Corrrmission on Eton Opptunity of Lut Co. 183 Amber Lane 1Mlkes-Barre PA 18702 (570) 828-0510 OR 1-800-822-0359 FAX (570) 829.1665- CALL BEFORE FAXING FSAX)(570j 455-5H631 E-CALL BEFORE FAXING (570) 836-4090 TUNKHANNOCK CCCS of Lehigh Vatley P.O. Box A Whitehall PA 18052 (810) 821-4011 FAX (1310) 821-8932 SNYDER COUNTY o stem Pennsylvania, Inc 2000 Linglestown Road Harrisburg, PA 17102 (717) 541-1757 FAX (717) 541-4870 Urban League of Metropolitan Harrisburg 2107 N. 8th Street Harrisburg PA 17101 17101 (717) 541-1757 FAX (717) 234-9459 Community Action Comm of the Capital Regan 1514 Derry Street Harrisburg PA 17104 (717) 232-9757 FAX (717) 234-2227 SOMERSET COUNTY u on smg Services R.D.#1, Box 384 Everett, PA 15537 (814) 623-9129 FAX (814) 823-7187 Bedford-Fulton Housing Services 1954 Mary Grace Lane Johnstown, PA 15901 FAX (814) 539-1688 CCCS of Western Pennsylvania, Inc. 1 North Gate Square #2 Garden Center Drive Greenstwrg, PA 15601 (724) 838-1290 CCCS of Western Pennsylvania, tnc. 7 Lake Avenue, Box 339 219-A Cdlege Park Plaza Montrose, PA 18801 Johnstown PA 15904 (570) 278-3338 or 1-800-982-4045 (814) 539-8335 FAX (570) 278-1889 Tableland Services Inc. 535 East Maln Street Somerset, PA 15501 FBAX)(8t4) 443-3690 00-452-0148 SULLIVAN COUNTY ~ o o astern Pennsylvania 1400 Abington Exearlive Park, Suite 1 parks Summitt, PA 18411 FSAX)(570)9587-9134/9135-922-9537 31 W. Market SL Wilkes-Barre PA 18702 FSAX)(570) 82171785922-9537 The Trehab Cer><er of Norttx3astem PA 185 Eknka Street, P.O. Box 218 Troy, PA 16947 (570) 297-2101 FAX (570) 297-2799 German Street, P.O. Box 389 FAX(570)297-2799 (570) 928-9668 FAX (570) 928-8144 17 Crafton Street WeNsboro, PA 16901 (570) 724-5252 FAX (570) 724-5783 931 Main Street Honesdale PA 18431 (570) 253-8941 FAX (570) 253-4817 103 Warren Street, P.O. Box 709 Tunkhannodk, PA 18657 (570) 836-6840 FAX (570) 838-8332 7 lake Avenue, Box 339 Montrose, PA 18801 FSAX)(570) 278-1889 800-982-4045 SUSQUEHANNA COUNTY 0 0 astern nnslyvania 1400 Abington ExewBve Park, Suite 1 Clarks Summftt, PA 18411 (570) 587-9183 OR 1-800-922-9537 FAX (570) 587-9134/9135 31 W. Markel St. WNkea-Barre PA 18702 FSAX)(570) 8217178800.922-9537 The Trehab Cer~ear of NorBreasEem PA 185 EMNta Street, P.O. Box 218 Troy, PA 16947 (570) 297-2101 FAX (570) 297-2799 TIOGtA COUNTY ~astem Pennsylvania 1400 Abington ExecutNe Park, Suite 1 Clarks Summitt, PA 18411 FSAX) (570) 9587-9134/91800.922-9537 31 W. Market SL Wilkes-Barre PA 18702 FSAX)(570 8217178500-922-9537 The Trehab Center d Northeastern PA 185 Elmira SUeet, P.O. Box 218 Troy, PA 18947 (570) 297-2101 FAX (570) 297-2799 German Street, P.O. Box 389 FAX(570)29T-2799 (870) 928-9688 FAX (870) 928-8144 17 Crafton Street WeNsboro, PA 18901 (570) 724-5252 FAX (570) 7245783 931 Main Street Honesdale PA 18431 (570) 253-8941 FAX (570) 253-4817 103 Warren Street, P.O. Box 709 Tunkharrrwck, PA 18857 (570) 838-6840 FAX (570) 836-8332 7 Lake Avenue, Box 339 Montrose, PA 18801 FSAX)(570) 278.1889-800.9824045 UNION COUNTY yeomL~ng-Hinton Co Comm For Comm Action (STEP) 2138 Lincoln Street, P.O. Box 1328 Williamsport, PA 17703 (570) 328-0587 FAX (717) 322-2197 CCCS of Western Pennsylvania, Inc. 217 E. Plank Road ANoona PA 16602 (814) 944-8100 (814) 944-8100 CCCS of Northeastern Perx-aylvania 1400 Abington Fxeadive Park, SuNe 1 Clarks Summit!, PA 18411 FSAX) (570) 9587-9134/9822-9537 31 W. Market St. Wilkes-Barre PA 18702 FSAX)(570)S 171785922-9537 German Street, P.O. Box 389 FAX (570) 297-2799 (570) 928-9868 FAX (570) 928-8144 17 Crafton SUeet Wellsboro, PA 16901 (570) 724-5252 FAX (570) 724-5783 931 Main Street Honesdale PA 18431 (570) 253-8941 FAX (570) 253-4817 103 Warren SVeet, P.O. Box 709 Tunkhannock, PA 18857 (570) 836-6840 FAX (570) 836-6332 201 Basin Street WiNiamsport, PA 17703 (570) 323-6827 FAX (570) 323.61326 VENANGO COUNTY aler mur»ly Action Committee 18 West 9TH SUeet Erie, PA 16501 (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 CCCS of Westem Pennsylvania, Inc. YMCA Building 339 North Washington Street Butler, PA 18001 (412) 282-7812 wARReN cotmnr ~.~Tas)irton Center 1720 Holland Street Erie, PA 18503 (814) 453-5744 FAX (814) 453-5749 Greater Erie Community Action Committee 18 West 9TH Street Erie, PA 16501 (814) 459-4581 FAX (814) 458-0161 Warren-Forrest Counties Economic Opportunity Council 1209 Pennsylvania Avenue, West P.O. Box 547 Warren, PA 18385 (814} 726-2400 FAX (814) 723-0510 W HMIOTON COUNTY don ousmg, nc. 425 &h Avenue, Suite 950 Pittsburgh, PA 15219 F4AX)(492)1391-4512412) 281-2102 Community Action Southwest 22 West High Street Waynesburg, PA 15370 (724) 852-2893 CCCS of Westem Pennsylvania, Inc. 1 North Gate Square rlt2 Garden Center Drive Greensburg, PA 15601 CCCS of Westem Pennsylvania, Inc 53 N. College Street Washington PA 15301 (724) 222-8292 Housing Opportunities, Inc 133 Seventh Street McKeesport, PA 15132 (412) 884-1590 FAX (412) 684-0873 Mon-Valley Unempbyed Committee 120 E. 9th Avenue Homestead, PA 15120 (412) 482-9982 FAX (412) 482-998 Credit Counsebrs of PA 401 Wood Street, Suite 908 Pittstxrgh, PA 15222 (412) 338-9954 of 1(800) 737-2933 FAX (412) 338-9963 YYAYNE COUNTY 0 ortheastern Pennsylvania 1400 Abington ExecuBve Park Suite 1 Clarks Summitt, PA 18411 (570) 587-9183 OR 1-800-922-9537 FAX (570) 587-9134!9135 31 W. Market St. Wilkes-Barre PA 18702 FSAX)(570) 821718922-9537 9 SoW- 7th Street Stroudsbiug PA 18360 (570) 420-8980 or 800-922-9537 FAX (570) 420-8981 The Trehab Center of IVortFreastem PA 185 Elmira Street, P.O. Box 218 Troy, PA 16947 (570) 297-2101 FAX (570) 297-2799 Gemnan Street, P.O. Box 389 WYOMING COUNTY FAX (570) 297-2799 ommon conomTca Opportunfty of (570} 928-9668 Luzerne Co FAX (570) 928-8144 103 Amber Lane Wilkes-Barre, Pennsylvania 18701 17 Crarion Street (570) 828-0510 OR 1-800-822-0359 WeNsboro, PA 76901 FAX (570) 829-1885-CALL BEFORE (570) 724-5252 FAXING FAX (570) 724-5783 (570) 455-4994 HAZELTON FAX (570) 455-5831-CALL BEFORE 931 Main Street FAXING Honesdale PA 18431 (570) 836-4090 TUNKHANNOCK (570) 253-8941 FAX (570) 253-4817 CCCS of Northeastern Pennsylvania 1400 Abngton Executive Park, Suite 1 103 Warren Street, P.O. Box 709 Clarks Summitt, PA 18411 Tunkhannodc, PA 18657 (570) 587-9163 OR 1-800-922-9537 (570) 838-6840 FAX (570) 587-9134/9135 FAX (570) 836-6332 3t W. Market St. 7 Lake Avenue, Box 339 Wilkes-Barre PA 18702 Montrose, PA 18801 (570) 821-0837 or 800-922-9537 (570) 278-3338 or 1-800-982-4045 FAX (570) 821-1785 FAX (570) 2T8-1889 The Trehab Center of Nortlreaskrn PA WE3T1110RELAND COUNTY 185 Elmira Street, P.O. Box 218 cbon nc. Troy, PA 18947 425 8th Avenue, Sufte 950 (570) 297-2101 Pittsburgh, PA 15219 FAX (S70) 297-2799 (412) 391-1956 or (412) 281-2102 FAX (112) 391-4512 German Sfreet, P.O. Box 389 FAX(570)297-2799 Community Action Southwest (570) 928-9668 22 West Ffigh Street FAX (570) 928-8144 Waynesburg, PA 15370 (724) 852-2893 17 Gatton Street Wellsboro, PA 16901 CCCS of Westem Pennsylvania, Inc. (570) 724-5252 1 North Gate Square FAX (570) 724-5783 rk2 Garden Center Drive Greensburg, PA 15601. 931 Main Street (724) 838-1290 Honesdale PA 18431 (570) 253-8941 CCCS of Westem Pennsylvania, Inc FAX (570) 253-4817 199 Edison Street Uniontown PA 15407 103 Warren Street, P.O. Box 709 (724) 439-8939 Tunkhannodc, PA 18857 (570) 838-8840 Housing.OppoKunities, Inc FAX (570) 838-6332 133 Seventh Street McKeesport, PA 15132 7 Lake Avenue, Box 339 (412} 664-1590 Montrose, PA 18801 FAX (412) 664-0873 (570) 278-3338 or 1-800.982-4045 FAX (570) 278-1889 Mon-Valley Unemployed Committee 120 E. 9th Avenue YORK COUNTY Homestead, PA 15120 men can roes-Hanover (412) 482-9982 Chapter FAX (412) 462-998 529 Carlisle Street Hanover, Pennsylvania 17331 lndfane Co Communty Adbn Program (717) 637-3768 827 Water Street, Box 187 FAX (717) 837-3294 Indiana, PA 15701 (724) 465-2657 Housing Council of York FAX (724)465-5118 118 North George Street York, PA 17401 Keystone Economic Development (717) 854-1541 Corporation FAX (717) 845-7934 1954 Mary Grace Lane Johnstown, PA 15901 CCCS of Westem Permsylvania, Inc (814) 535.6558 2000 Linglestovm Road FAX (814) 539-1688 Harrisburg, PA 17102 CCCS of Westem Pennsylvania, Inc Tableland Services Inc. 535 East Main Street 912 South George Street Somerset, PA 15501 York, PA 17403 (814} 445-9828 (717) 846-4176 1-800.452-0148 FAX (814) 443-3690 Adams County Housing Authority 139-143 Carlfsle St Credit Counselors o1 PA Gettysburg PA 17325 401 Wood Street, Suite 906 (717) 334-1518 Pittsburgh, PA 15222 FAX (717) 334-8326 (412} 338-9954 ar 1(800) 737-2933 FAX (412} 338-9983 ~~ N ; !~ ~ ..r. ~. ` = .~ - .r_. ~ ~ ~~ dD ~ .o _' _ . ~ ~ ~ a .c ~ -- =< L"% SHERIFF'S RETURN - REGULAR CASE N0: 2007-04982 P t COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND NATIONAL CITY MORTGAGE INC VS KNOWLES JOHN E ET AL ROBERT BITNER Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon KNOWLES JOHN E the DEFENDANT at 1410:00 HOURS, on the 27th day of August 2007 at 12 WHEATLAND DRIVE MECHANICSBURG, PA 17055 by handing to JOHN KNOWLES 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 18.00 Service 9.60 Affidavit .00 Surcharge 10.00 n 00 4/o G/b 7 `7"" 3 Sworn and Subscibed to before me this day of , So Answers: ~~E~ /• R. Thomas Kline 08/28/2007 GOLDBECK MCCAFFERTY MCKEEVER D~puty Sherif A.D. SHERIFF'S RETURN - REGULAR CAS N0: 2007-04982 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND NATIONAL CITY MORTGAGE INC VS KNOWLES JOHN E ET AL ROBERT BITNER Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon KNOWLES JOANNE O the DEFENDANT at 1410:00 HOURS, on the 27th day of August 2007 at 12 WHEATLAND DRIVE MECHANICSBURG, PA 17055 JOHN KNOWLES by handing to (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: Docketing 6.00 Service .00 Affidavit .00 Surcharge 10.00 .00 4164/0? ~,., 1 Sworn and Subscibed to before me this day of So Answers: " l• R. Thomas Kline 08/28/2007 GOLDBECK MCCAFFERTY MCKEEVER B Deputy Sheriff A.D. ... • NATIONAL CITY MORTGAGE COMPANY F/K/A NATIONAL CITY MORTGAGE COMPANY 3232 New Mark Drive Miamisburg, OH 45342 Plaintiff Vs. JOHN E. KNOWLES JOANNE O. KNOWLES (Mortgagors and Owners 12 Wheatland Drive Mechanicsburg, PA 17055 Defendants in the Court of Common Pleas of Cumberland County CIVIL ACTION-LAW Action of Foreclosure Term No. 07-4982 DEFENDANT'S, JOHN E KNOWLES AND JOANNE O. KNOWLES ANSWER TO PLAINTIFF'S COMPLAINT And now comes defendants, John E Knowles and Joanne O. Knowles represented per se. Facts 1. Admitted 2. Admitted 3. Admitted 4. Admitted 5. Admitted in part Denied in part b. Denied Defendants are in work out process with the lender. 7. Admitted in part Denied in Part 8. Admitted in Part Denied in Part 9. Admitted in Part Denied in Part (1) Reservations of Defenses The defendants, John E. Knowles and Joanne O Knowles, shall rely upon such affirmative defenses. And asks the court for a trial date in the case a work out program does not materialize with the said Lender. Respectfully submitted By: John E Knowles Per Se By: Joanne Knowles Per Se John E. Knowles 12 Wheatland Drive Mechanicsburg, PA 17050 717-200-1213 ~~~~ ~o-a-ate ~ NATIONAL CITY MORTGAGE COMPANY F/K/A NATIONAL CITY MORTGAGE COMPANY 3232 New Mark Drive Miamisburg, OH 45342 Plaintiff Vs. JOHN E. KNOWLES JOANNE O. KNOWLES (Mortgagors and Owners 12 Wheatland Drive Mechanicsburg, PA 17055 in the Court of Common Pleas of Cumberland County CIVIL ACTION-LAW Action of Foreclosure Defendants CERTIFICATE OF SERVICE Term No. 07-4982 AND NOW, this 27"' day of September, 2007, I John E. Knowles hereby certify that I have this date served a copy of the Defendants, JOHN E. KNOWLES AND JOANNE O. KNOWLES, ANSWER TO PALINTIFFS. VIA LISPS MAIL. at the address STATED BELOW. GOLDBECK, McCAFFERTY & MCKEEVER Attorney for Plaintiff Suite 5000-701 Market Street Philadelphia, PA 19106 215-825-6318 t ? ~, ~,,~ r_~ ~~~ ~1~ ~^j "^{ __ ~.._: ~__t 3 ~-1'f -~? E N ~3 ~', 'L7 t , „.t: ~ r -..a. _~ ~ r i7 "~ ~ C.. ~t~i V :.J31~'j ~, w ~ T~ G.) ^4 GOLDBECK McCAFFERTY & McKEEVER BY: MICHAEL T. MCKEEVER, ESQ. ATTORNEY I.D. #56129 SUITE 5000 - MELLON INDEPENDENCE CENTER 701 MARKET STREET PHILADELPHIA, PA 19106-1532 (215) 627-1322 ATTORNEY FOR PLAINTIFF NATIONAL CITY MORTGAGE INC F/K/A NATIONAL CITY MORTGAGE CO. 3232 New Mazk Drive Miamisburg, OH 45342 Plaintiff vs. JOHN E. KNOWLES JOANNE O. KNOWLES Mortgagor(s) and Record Owner(s) 12 Wheatland Drive Mechanicsburg, PA 17055 Defendant(s) IN THE COURT OF COMMON PLEAS OF Cumberland COUNTY CIVIL ACTION -LAW ACTION OF MORTGAGE FORECLOSURE Term No. 07-4982 PRAECIPE TO CORRECT SCRIVENER'S ERROR Kindly correct the action to reflect the correct scrivener information. The Mortgage Book and Page was missing in paragraph #3 of the complaint. Please correct to reference Book 1784 and Page 2378. Respectfully submitted, GOLDBECK, McCAFFERTY & McKEEVER By: ~, ` ~ ~ Michael T. McKeever, Esquire Attorney for Plaintiff ~ ~ -rt -v ~ c~ ~~i ~~ ; E ~' ~ ''" ..: ~ :,,~ cn ~ M ~ GOLDBECK McCAFFERTY & McKEEVER BY: THOMAS I. PULED, ESQUIRE Attorney I.D. #27615 Suite 5000 -Mellon Independence Center 701 Market Street Philadelphia, PA 19106 215-627-1322 ATTORNEY FOR PLAINTIFF NATIONAL CITY MORTGAGE INC F/K/A NATIONAL CITY MORTGAGE CO. 3232 New Mark Drive Miamisburg, OH 45342 vs. JOHN E. KNOWLES and JOANNE O. KNOWLES Mortgagors and Record Owners 12 Wheatland Drive Mechanicsburg, PA 17055 Term No. 07-4982 PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT AND NOW, this Plaintiff moves this Court for Summary Judgment in accordance with Pennsylvania Rule of Civil Procedure No. 1035.1 et seq. for the following reasons: 1. Plaintiff is NATIONAL CITY MORTGAGE INC F/K/A NATIONAL CITY MORTGAGE CO. (hereinafter "Plaintiff'). 2. Defendant is JOHN E. KNOWLES and JOANNE O. KNOWLES (hereinafter "Defendant"). 3. Plaintiff filed its Complaint in mortgage foreclosure on August 21, 2007. A true and correct copy of the Complaint is attached hereto as Exhibit A. 4. Defendant filed an Answer, which does not raise any issue of material fact. A IN THE COURT OF COMMON PLEAS OF Cumberland COUNTY true and correct copy of the Answer is attached hereto as Exhibits B. 1 5. Plaintiff has attached an Affidavit to the instant Motion that avers all facts necessary to prove a prima facie case in mortgage foreclosure and that corroborates the facts as plead in Plaintiffis Complaint. See Plaintiffls attached Affidavit and Memorandum of Law. WHEREFORE, Plaintiff moves for Summary Judgment in its favor. Respectfully submitted, GOLDBECK MCCAFFERTY & MCKEEVER ATTORNEY FOR PLAINTIFF ^' c -r7 ~ s:~> f'. ~ ~ d ~, . -t 7i ~~ tJ~ ~_. {~, _ ~~ Yom-- ~" _ /7' C7 W ,l GOLDBECK McCAFFERTY & McKEEVER BY: Thomas I. Puleo, Esquire Attorney I.D.#78020 Suite 5000 Mellon Independence Center 701 Market Street Philadelphia, PA 19106 215-627-1322 for Plaintiff NATIONAL CITY MORTGAGE INC F/K/A NATIONAL CITY MORTGAGE CO. 3232 New Mark Drive Miamisburg, OH 45342 vs. IN THE COURT OF COMMON PLEAS OF Cumberland COUNTY JOHN E. KNOWLES and JOANNE O. KNOWLES Mortgagor(s) and Record Owner(s) 12 Wheatland Drive Mechanicsburg, PA 17055 Term No. 07-4982 AFFIDAVIT IN SUPPORT OF PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT Laura Cauper ,being duly sworn according to law, deposes and says: I am the Authorized Sifgr~nci representative of Plaintiff. I am authorized to make and do make this affidavit on behalf of Plaintiff; and that the facts set forth in the foregoing Motion for Summary Judgment are true and correct to the best of my knowledge, information and belief. ~. 2. I have personal knowledge of the matters referred to in Plaintiffs Motion and as set forth below, I make this affidavit in support of Plaintiffs Motion for Summary Judgment, that the facts set forth below are admissible in evidence and I am competent to testify to the matters stated herein. 3. The Defendant(s), JOHN E. KNOWLES, 12 Wheatland Drive, Mechanicsburg, PA 17055 and JOANNE O. KNOWLES, 12 Wheatland Drive, Mechanicsburg, PA 17055 , made, executed and delivered a Mortgage upon the premises, 12 Wheatland Drive, Mechanicsburg, PA 17055, on November 18, 2002 to NATIONAL CITY MORTGAGE INC F/K/A NATIONAL CITY MORTGAGE CO.. 4. The mortgage is held by Plaintiff. The mortgage has not been assigned. 5. The Mortgage is in default because monthly payments of principal and interest due May O1, 2007 and each month thereafter are due and unpaid. At no time from May Ol, 2007 to the present has/have the Defendant(s) tendered the amount of payments required to bring the Mortgage current and I have at all times been willing to accept same. 6. Notice of Intention to Foreclose and a Notice of Homeowners Emergency Mortgage Assistance has been sent to Defendant(s) 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 A to Plaintiff s Complaint. The Defendant(s) has/have not had the required face-to-face meeting within the required time and Plaintiff has no knowledge of any such meeting being requested by the Defendant(s) through the Plaintiff, the Pennsylvania Housing Finance Agency, or any appropriate Consumer Credit Counseling Agency. _ .,. 7. The amounts due and owing on the mortgage in question as of the filing of the Complaint are as follows: Principal Balance Interest from 04/01/2007 through 08/31/2007 at 6.1300% Per Diem interest rate at $40.34 Reasonable Attorney s Fee Late Charges from 05/01/2007 to 08/31/2007 Monthly late charge amount at $77.47 Costs of suit and Title Search Fees Monthly Escrow amount $379.25 $240,219.56 $6,172.02 $12,010.98 $309.87 $900.00 $56.00 $259,668.43 I hereby verify that any exhibits attached hereto are true and correct copies of the originals and I declare all of the foregoing to be true and correct. SWORN TO AND SUBSCRIBED: ~- ~--~ Laura Cauper,Authorized signer before me this 29 day: ,,,RY ..P.,,,,,. 2007: ;:~0.~ Ve" """'' October ~~ ~\.•(•~j~••~j . Notary Public * 1.~? .~5, ~, LORI ANN WYSONG, Notary Public In and far the State of Ohio My Commission Expires lan. 28, 200@ C`) ...r., .' „~ n~~ to [~.' rn ~ ~s ,c '~.~ 'ts t~3 ~~ ` N ~rn _ .c- --a ~ '"1 i GOLDBECK McCAFFERTY & McKEEVER BY: THOMAS I. PULED, ESQUIRE Attorney I.D. #27615 Suite 5000 -Mellon Independence Center 701 Market Street Philadelphia, PA 19106-1532 215-627-1322 NATIONAL CITY MORTGAGE INC F/K/A NATIONAL CITY MORTGAGE CO. 3232 New Mark Drive Miamisburg, OH 45342 vs. JOHN E. KNOWLES and JOANNE O. KNOWLES Mortgagor(s) and Record Owner(s) 12 Wheatland Drive Mechanicsburg, PA 17055 ATTORNEY FOR PLAINTIFF IN THE COURT OF COMMON PLEAS OF Cumberland COUNTY Term No. 07-4982 PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in duplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: 1. State matter to be argued (i.e., plaintiff s motion for new trial, defendant's demurrer to complaint, etc.): Motion for Summary Judgment 2. Identify counsel who will argue cases: (a) for plaintiff: Thomas I. Puleo, 701 Market Street Philadelphia, PA 19106 (Name and Address) (b) for defendant: John Knowles and Joanne Knowles (Pro se (Name and Address) 3. I will notify all parties in writing within two days that this case has been listed for argument. 4. agggument l;ourt llate: .~. ~L`~' /~ gnature Thomas I. Puleo Esquire Print your name Date: November 15, 2007 .~ C ° OO -p ~ :~ ~ ~ .~ ...~° t' ` d ~ , Z v: ~,° ~ m ~ J ~~ ~ ~~ ~ .c c]o GOLDBECK McCAFFERTY & McKEEVER Professional Corporation ATTORNEY FOR PLAINTIFF By: Thomas I. Puleo, Esquire Attorney I.D. 27615 Suite 5000 -Mellon Independence Center 701 Market Street Philadelphia, PA 19106-1532 215-627-1322 NATIONAL CITY MORTGAGE INC F/K/A NATIONAL CITY MORTGAGE CO. 3232 New Mark Drive Miamisburg, OH 45342 vs. JOHN E. KNOWLES and JOANNE O. KNOWLES Mortgagors and Record Owners 12 Wheatland Drive Mechanicsburg, PA 17055 TO THE PROTHONOTARY: IN THE COURT OF COMMON PLEAS OF Cumberland COUNTY Term No. 07-4982 Kindly withdraw Plaintiff s Motion for Summary Judgment filed in the above matter on November 16, 2007. GOLDBEC cCAFF McKEEVER BY: omas I. uleo, Esquire Attorney for Plaintiff 1 GOLDBECK McCAFFERTY & McKEEVER Professional Corporation By: Thomas I. Puleo, Esquire Attorney I.D. # 27615 Suite 5000 -Mellon Independence Center 701 Market Street Philadelphia, PA 19106-1532 215-627-1322 NATIONAL CITY MORTGAGE INC F/K/A NATIONAL CITY MORTGAGE CO. 3232 New Mark Drive Miamisburg, OH 45342 vs. JOHN E. KNOWLES and JOANNE O. KNOWLES Mortgagors and Record Owners 12 Wheatland Drive Mechanicsburg, PA 17055 ATTORNEY FOR PLAINTIFF IN THE COURT OF COMMON PLEAS OF Cumberland COUNTY Term No. 07-4982 I hereby certify that a true and correct copy of Praecipe to Withdraw Motion for Summary Judgment was sent by first class mail, postage pre-paid, upon the following on the date listed below: JOHN E. KNOWLES JOANNE O. KNOWLES 12 Wheatland Drive Mechanicsburg, PA 17055 & McKEEVER omas I. Puleo, Esquire Attorney for Plaintiff Date: J ~ ~ ~'1 ~^? . c~ i_T ~ „~.~ .. • ' ~ j.:: ~' '1~~~"y CJ °')r; f.-+. ~~ +....? 3"1 I .".i '"" 'r-,~ ...... ~•