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HomeMy WebLinkAbout07-5323I GOLDBECK McCAFFERTY & McKEEVER BY: JOSEPH A. GOLDBECK, JR. ATTORNEY I.D. #16132 SUITE 5000 - MELLON INDEPENDENCE CENTER 701 MARKET STREET PHILADELPHIA, PA 1910b (215) 627-1322 W W W.GOLDBECKLAW.COM ATTORNEY FOR PLAINTIFF DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 Plaintiff vs. STEVEN C. HESS Mortgagor ROBIN L. HESS Real Owner 112 Milky Way Shippensburg, PA 17257 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION -LAW ACTION OF MORTGAGE FORECLOSURE Term _ No. p~ - 53a3 Civ -l krrn Defendants 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 HIItING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAYBE 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. PARA 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 REQUERIRA QU)/ 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 IlVIPORTANTES. USTED DEBE LLEVAR ~STE PAPEL A SU ABOGADO ENSEGUIDA. SI USTED NO TIENE UN ABOGADO, VAYA O LLAME POR TEL$FONO LA OFICINA FIJADA AQUI ABAJO. ESTA OFICINA PUEDE PROVEER~ CON INFORMACIbN DE C~MO 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 Cazlisle, PA 17013 LEGAL SERVICES INC 8 Irvine Row Cazlisle, PA 17013 717-243-9400 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 homeretentionna.goldbecklaw tom. Call Seth at 215-825-6329 or fax 215-825-6429. The figure and/or package you requested will be mailed to the address that you request or faxed if you leave a message with that information. The attorney in chazge of our firm's Homeowner Retention Department is David Fein who can be reached at 215-825-6318 or Fax: 215-825-6418. Please reference our Attorney File Number of CWD-7829. Para information en espanol puede communicarse con Loretta x1215-825-6344. This Action of Mortgage Foreclosure will continue unless you take action to stop it. Resources available for Homeowners in Foreclosure COMPLAINT IN MOKTGAGE FORECLOSURE 1. Plaintiff is DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X, 7105 Corporate Drive, PTX B-35 Plano, TX 75024-3632. 2. The names and addresses of the Defendants aze STEVEN C. HESS, 112 Milky Way, Shippensburg, PA 17257, who is the mortgagor and ROBIN L. HESS, 112 Milky Way, Shippensburg, PA 17257, who is the real owner of the mortgaged premises hereinafter described. 3. On September 23, 2002 mortgagors made, executed and delivered a mortgage upon the Property hereinafter described to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., ACTING SOLELY AS A NOMINEE FOR FIDELITY HOME MORTGAGE CORPORATION, which mortgage is recorded in the Office of the Recorder of Deeds of Cumberland County as Book 1774, Page 3213. The mortgage has been assigned to: DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X by assignment of Mortgage. Plaintiffis the real party in interest pursuant to a purchase or transfer of the mortgage obligation from the last record holder and an Assignment of Mortgage to Plaintiff has been and/or will be lodged for recording with the Recorder of Deeds in the ordinary course of business. The Mortgage and assignment(s) are matters of public record and are incorporated by this reference in accordance with Pennsylvania Rule of Civil Procedure 1019(g); which Rule relieves the Plaintiff from its obligation to attach documents to pleadings if those documents aze 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"). S. 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 aze due and collectible. 6. The following amounts aze due to Plaintiff on the Mortgage: Principal Balance ..................................................................................$183,990.00 Interest from 03/01/2007 through 08/31/2007 at 6.0000% .......................$5,564.15 Per Diem interest rate at $30.24 Reasonable Attorney's Fee at 5% of Principal Balance as more fully explained in the next numbered paragraph ...................$9,199.50 Late Chazges from 04/01/2007 to 08/31/2007 .............................................$279.80 Monthly late charge amount at $55.96 Costs of suit and Title Search ......................................................................$900.00 Monthly Escrow amount $225.17 $199,933.45 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 Sheriffs 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 sepazate Action to establish that right, if such right exists. If Defendants have received a dischazge 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 dischazged 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 $199,933.45, together with interest at the rate of $30.24, per day and other expenses, costs and charges incurred by the Plaintiff which are properly chazgeable 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. By: LD CK McCAFFERTY & McKEEVER BY: 10 PH A. GOLDBECK, 7R., ESQUIRE ATTORNEY FOR PLAINTIFF VERIFICATION I , Jq.l BALENTINE, SR. VICE PRESIDENT 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: ®l'~~f `0~-- J BA INE. . V(C€ I'~~51uciV i #74308974 - STEVEN C. HESS Exhi6itA Ali. IME..ri1 aae K >~ ~ ~i.w.1a lr~iaii ~~irail~, Carb~i Q,w,y,. ~1~1rrrTrli~ ~~~ a~R~~'~ ~[~'~~~~ ~~ ~1~ ~ ` ~J~ii i~t 4 ~ ~ ~#w we ~e i~ #111- M ~~ls +r11~11r~ !1~ ~ ~ M 4M M ~ ~ 1t !~ r+~rrMt~Lot~ia-~ Mrr1w~11~~aria~~ Mw ~~~1ri Lot ~1-~ ~~1riM~Mt ~! ~~i~ ~ Ilk fs ~ iw ~~ M rR Mint 11tH !~ cx#1~ua rw ar tec aNe 1~~ M w ~,r t'Jww i Nw+~~~rw~rlwq ~~ ~ 'bM~ia ~~~i~, wu~t~r4erlwr~~irt~o~t~rt~Nr~~ dt~rwr ~~~~ ~~~ ~ ~ ~R~.~~rR~wr~E~ ~~~, ~ ' i~~p 1 ~~~~ ~~ ~ ~~ ~~~~c~z2~ ~E,~Fii6it ~ ACT 91 NOTICE DATE OF NOTICE: July 31, 2007 TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. This is an official notice that the 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 paces. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM,~HEMAP) 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 you when you meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice. If you have any questions,,.,you may call the Pennsvlvania Housins 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 Counseling Agency may be able to help explain it. You may also want to contact any attorney in your area. The local bar association may be able to help you find a lawyer. La notificacion en adjunto es de soma importancia, pues afecta su derecho a continuer viviendo en su casa. Si no comprende el contenido de esta notification obtenga una traduccion immediatamente llamanda esta agencia (Pennsylvania Housing Finance Agency) sin cargos al numeo mencionada arriba. Puedes ser elegible Para un prestamo por el programs llamado "Homeowner's Emergency Mortgage Assistance Program" el coal puede salvar su casa de la perdida del derecho a redimir su hipoteca. Prepared by: GOLDBECK McCAFFERTY & McKEEVER Suite 50(70 -Mellon Independence Center. 701 Market Street Philadelphia, PA 19106 Fax (215) 627-7734 HomeRetention@goldbecklaw.com Oate: July 31, 2007 TO: ROBIN L. HESS Homeowners Name: STEVEN C. HESS and ROBIN L. HESS Property Address: 1121VIliky Way, Shippensburg, PA 17257 Loan Account No.: 74308974 Original Lender: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., ACTING SOLELY AS A NOMINEE FOR FIDELITYH HOME MORTGAGE CORPORATION Current Lender/Servicer: COUNTRYWIDE HOME LOANS INC. HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL 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 SHAY OF FORECLOSURE -Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must .arrange and attend a "face-to-face" meeting with one of the designated consumer credit counseling agencies listed at the end of this Notice. THIS METING 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 DOW 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 telephone numbers of designated consumer credit counseling agencies for the county in which the property 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 MO~tTGAGE 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 aze 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 postmazked within thirty (30) days of your fact-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS .SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION -Available funds for emergency mortgage assistance aze 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. Nt~'fE: IF YOU AI2L C~RRLIq`'CLY P~#l-'I'»~~1 BY T F~II~G ~~' h ~ET~T~N II+i BANI~t~CY, THE FOL' LOWING PART !`~F THISS 1rI07ICl~ I~~R IN~OIIII~'~'I~?N PU'pSES ONLY ANI~ SIi(tIULD NOT III CO~t3~ERED AS AEI ATTE2~~' TO COI.EI£CT T~.E DEBT. (If you Gave fated b~wkrap~y you can still apply for Emergency Ntort Asststa~ce.) _ IIOW TO CURE YOUR MORTGAGE DEFAULT (Bring it uD to date) NATURE OF THE DEFAULT -The MORTGAGE debt held by the above lender on your property located at: 112 Milky Way, Shippensburg, PA 17257 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts aze now past due: 3 (a) Monthly payment from 04/01 /2007 thru 7/31 /2007 (4 mos. at $1,399.00/month) $5,596.00 (b) Late chazges from 04/01 /2007 thru 7/31 /2007 (4 mos. at $55.96/month) $223.84 (c) Other chazges; Escrow, Inspec., NSF Checks (d) Other provisions of the mortgage obligation, if any (e) TOTAL AMOUNT REQUIRED AS OF THIS DATE: $5,819.84 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 S .5.819.84 ,PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cashier's check, certified check or money order made payable and sent to: Attention: Act Letter Department COUNTRYWIDE HOME LOANS INC. c/o Goldbeck McCafferty & McKeever 701 Mazket Street Suite 5000 Philadelphia, PA 19106 HomeRetention@goldbecklaw.com 866-413-2311 IF YOU DO NUT 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 ~ e debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mort¢as~ed property. IF THE 1V,~URTGAGE IS FORECLOSED UPON -The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender brings legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings 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 attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. Ifyou cure the default within the THIRTY (301 DAY period. you will not lie required to pay attorney's fees. OTHER LENDER REMEDIES -The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at an~up to one hour before the Sheriffs Sale. You may do so byg the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by perfor~,Og.any 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 earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately four (41 to six f61 months from the date of this Notice. A notice of the actual. date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: COUNTRYWIDE HOME LOANS, INC. Address: 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 Phone Number: 800-669-4576 Work Out Department: 800-669-0102, 877-744-7691, 800-222-9944 Fax Number: 215-825-6441 Contact Person: HomeRetention@goldbecklaw.com EFFECT OF SHERIFF'S SALE -You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your fiunishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -You may sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: 5 * 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. Contact: HomeRetention~goldbecklaw.com Phone Number: 800-669-4576 Work Out Department: 800-669-0102, 877-744-7691, 800-222-9944 PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNER'S. EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDTT COUNSELING AGENCIES CUMBERLAND COUNTY CCCS OF WESTERN PENNSYLVANIA INC. 2000 Linglestown Road Harrisburg, PA 17102 (717)541-1757 URBAN LEAGUE OF METROPOLITAN HARRISBURG 2107 N. 6tfi Street Harrisburg, PA 17101 (717) 2345925 FAX (717) 2349459 COMMUNITY ACTION COMM OF THE CAPITAL REGION 1514 Derry Street Harrisburg, PA 17104 (717)232-9757 FAX 2342227 FINANCIAL COUNSELING SERVICES OF FRANKLIN 31 West 3rd Street Waynesboro, PA 17268 (717) 762-3285 YWCA OF CARLISLE 301 G Street Carlisle, PA 17013 (717) 243-3818 FAX (717) 731-9589 ADAMS COUNTY HOUSING AUTHORITY 139-143 Carlisle Street Gettysburg, PA 17325 (717) 3341518 FAX (717} 3348326 ~~ No.. www P.O. Bmc 9048 Terr>Bwls, CA 9258&9048 Sand Paymsntr To: Po Box fisa~a DaNas, TX 75266-0694 Sand Cornapaidanp b: PO Box 5770, MS SV314B Skni Valley, CA 93065 7113 8257 1472 3964 2084 ~nr~~~ur~u~r~r~r~r~ur~~u~ur~r~r~n~n~r~nr~~n~r~~r~n~ Steven C Hess 112 MILKY WAY SHIPPENSBURG, PA 17257-8242 o~oeo~~a~~ Pr~soRT First-Cls~ Mall U.3. Pogepaand Fees Pald wso cy-> W1{ ^c~~.~ P.O. Box 880894 Degas, 7X 752860884 se~r~an~to: PO Box 880894 Deltas, TX 75288.0894 June 7, 2007 Certified Mail: 7113 8257 1472 3'164 2084 Retum Reciept Requested Regular Mat Steven C Hess 112 MILKY WAY SHIPPENSt3l1RCa, PA 17257-8242 Account No.: 74308974 Property Address: 112 Milky Way Shippenstwrg, PA Currwrt Ssrvicer: Camtryvvide Home Loans, Inc. ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE Thb b an oflldal rrotfce that tM mortaaw on your home is in default and tles lerrdsr ktterrds to torsctose. Swdtfc irrforerdlan abort the rrstrre of tl» detarit is nrovWed M tM albdad woes. The HdfifO~N~'S NCY MORTG~ ASiNSTANCE PROGRAM fHEMAP! mar be able 6e hslo to save roar beret. TMs Netka eanhbrs how firs oreeram werks. THE DATE OF NOTICE. Take this Notke wNh you when you meet with tM CounsNNra Aasrrcv. This Natlee eorkains Nnportant IeSal Informatlon. K you have arty grrestlons, repnserrtatlves at tM Comuwr Crs~ CounsNYg A~arrcy may t» abN to hNp explNn IL You may aNo want to contact an aSomey In your area. TM local bar sssoelatlon may be able to help you fled a lawyer. LA NOTiFICACIdi EN ADJUNTO ES DE 811MA NIIIPORTANCIA, PllE3 AFECTA SU DERECHO A CONTINUAR VMEt~O EN SU CASA. St NO COMPRENDE 0. CONTENIDO DE ESTA NOTIFICACIbN OBTENGA UNA TRADUCC16N NMEDUITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCYI SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PIJEDE SER ELEGBLE PARR UN Ptit=STAMO POR 0. PROGRAMA LLAMADO "IfOMEOMYNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" 0. COAL PUEDE SALVAR SU CASH DE LA PERDDA D0. DERECHO A ftEDfMft SU HIPOTECA. HOMEOtIYNER'3 NAME(S): Stewn C Hess PROPERTY ADDRESS: 11~,MINnr tflfmr i4sbrrre. PA LOAN ACCT. NO.: 74M~74 ORIGINAL LENDER: CURRENT LEt~DERISERVICER: Ceunbvwide Hosea towns. Inc. HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY t3E ELT! F FOR Fti~~s!~'IAL ASSISTANCE NMK:FI GAN SAVE YOLr3 HOIE FRa1 FOREGLOBL~ AIO HELP YOU MAKE FUTURE MORTGAGE PAYMENTS aaaso wrrr rut amur nimo•r an ar dedo au mmnpob•roe. ~ ~r r~ rW a ke brary VaM~e nturro or Nirdaf ert~ &i1Kb1 YIItrWDll wgrdto applrm• err. • Mate your diedc oer~le to Accoturt Number. 7130M71-0 B~ance Due for derpes tAed etwve: i4,~3.92 as of 06107127. ttime Coen . 1Mi6eyar aanart rwnber on yy~aurdw;lcarmo(ayQder Steven C Fless 112MlkyWay arw.~rrori~kanfonmareveresidedMsmupm. • YM16eln e4itlarelamaua; you are~(rt~ a ~ mole even . geese serW ~Bd ~~ r~pi al~'A1 • Dpflt~tat+l yQUf CtlaCk t0lhe _ _ Q d ~ ~ • UDfIT CORBBppfl ellpe • DOrltBefldCaeh Ge~~y~~ PO BOX 860694 DaNas, TX 782860894 II~~~I~I~I,~~I~I~II~~~II~~II,...11„I,I,,,1~~11~1,,,1„I~d~lll,,,l ~ rda 074308974000000432392000432392 IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEONVNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (7HE "ACT"), YOU MAY BE ELIGBLE 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 ELIdBfi.ITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TE1tWORARY STAY OF FORECLOSURE -Under the Ad, you are entitled to a temporary stay of forecosure on your mortgage for tiifriy-five (35) days from the date of this Notice. During that time you must arrange and attend a"face-bo-taoa' meeting witir one of the constmer credit counseling agencies listed at the end of this Notice. TH18 MEETING MUST OCCUR CONSUiER CREDIT COl1NSELWG AGENCES - M you meet with one of the cortstxrrer aedit caxrseling agenries Nsted at the end of this notice, Ste lender may NOT take adios against you for thirtyaive (35) days after the date of tills meeting. ~ necessary to schedule one tape-to-face n~etN-g. Advise your lerwer ply rn yov rnoengona. -Your mortgage is in default for the reasons set forth later in this Notice (see foNowing Pages for specific information afwut the nature of your deiauR.) H you have tried and are tumble to resdve INs problem with the lender, you have the right to appy for tnancial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, You must fl out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of tits designated consumer oredR cou~sekng agencies fisted at the end of this Notice. Only cortstxrter credrT counseling agenries have applications for the program and ~Y wtll assist you in sut>.rrilting a complete application to tl>te Pennsylvania Mousing Finance Agency. You application MUST be Aled or postmarked within thirty five (35) days of your tace~o-lace meeting. YOU I l~j FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THI8 LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION -Available funds for emergency rtrortgage assistance are very limited. They wil be disbrised by the Agency under the eligibity criteria established by the Ad. The Perxrsylvania Housing Finance Agency has sixty (ti0) days to make a derision aRer it receives your application. During that tune, no foreclosure proceedings wiN be Pursued against you K you have met the tkne requFenrerrts set tortlt above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your appticalion. NOTE: IF YOU ARE t~JRRENTLY PROTECTED BY THE FlLlICs OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (ff you have filed bankruptry you can still apply for Emergency Mortgage Assistance.) NOTICE OF INTENT TO FORECLOSE YOl1R HOME LOAN IS IN A STATE OF DEFAULT DIIE TO THE REASONS MENTIONED Nr TH18 NOTICE. YOU MUST TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE NATl1RE OF THE DEFAULT -The MORTGAGE debt held by the above lender on your property boated at: 112 MiNty way ~PP~~9, PA IS SERIOUSLY IN DEFAULT because YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENT'S for the ioNowing months and the idlowing amourds are now past due Morrtltly Charges: AprN, 2007 Late Charges: AprN, 2007 - June, 2007 (3 mos. ~ $1,399.Odrnonlh) $4,197.00 - May, 2007 (2 mos. ~ $65.98hrrontir) Total Late Charges: Unootlected Coats: Partlal Paymerrt Balance: TOTAL DUE: $717.92 $0.00 $f3.ao (s~.~) $4,323.92 YOU HAVE FALED TO TAKE THE FOLLOWNG ACTION (Do not use ii not aooticablel Emat u~ oure~mat addmse below wit allow u ro ~ you Mamatfan an you actwurt Aecawt L SMwan C Rees [-meu address ltew w lrrel yer ~ All acapted peynxrar of prYidpal ~ k wtl be eppted to dr lorga[ outeterdrg sue, unseen oCareAn wcpreeey prohb~ed or tNnlOed by lar. M you stmt an tmaurx h eddtlon b yaw edtsd~led martYy amorwri, we wNl apply your paymarn ~ fatowtti ~ b aAwertdlnp montMy paymerp d prkwdpel and kterak. QI) aevaw deflclenclee, (Y~ lees ctwrgn and other amourp you owe h oomwctlart wNh Yg+ bwt and (b) ro redoes uw owmnding pdndpel balance d your loan Pkaee apsdty r you want an eddltlmel amourt appNed m tuewa peymenta, ialfrwr than prkxdpal redudon. Pe11~M dIe01K Couruyrride'a poky N m rnt eooept poetdaBed dwda, urbee apedicety ageed ro by a loan coumela ortecFnider. HOW TO CURE;. THE ~ -You may crre the detauN within THIRTYfIVE 1851 DAYS of Nre date of Clue notice BY PAYING TFE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS 54,323.92, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY-FNE f35f DAY PERIOD. o ....e.. -+ r.e ~ a--,e. -.~ cashiers check. certified check or money order made oavable and sent to CotxrtryvNde at P.O. Box 660694, Dallas, TX 75266-0694. You can are_ . """"''°`"'" `'~ takino the tollowirra action within THIRTY-FIVE (351 DAYS of the date of IF YOU DO NOT CURE THE DEFAULT - n you do not axe the default witFrin T'HN2TY-FNE (351 DAYS oT Nte date of this Nofice, tM hrrrlsr fnbnds b sxarcisa Its rlpirts to accsisrats tM mortpays debt. This means that the entire artstarrdng balance of this debt wi be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. n tuN payment of the toNal amount past due is not made within THIRTY-FNE (351 DAYS, the lender also irterrcb to instruct its attorneys to start legal action to tondos upon your moRyrysd property IF THE MORTGAGE IS FORECLOSE -The mortgaged Property wiN be sold by the Sheriff to pay ofl the mortgage debt. H the lender raters your case to Ns attorneys, but you are the definquerrcy before the lender beghs legal prooeedngs against you, you wit sfiN be required to pay the reasonable attorney's lees that were actually irramd, up to 550.00. However, n legal proceedings are started against you, you wiN Crave to pay aN reasonable attorney's fees ar4uafiy irarrod by the lender even n they exceed 550.00. Any attorney's tees wfit be added to the ~mcxxrt you owe the lender, which may also irdude oltrer reasonable ccets. n you ura 1M default rWttrkr ~ ],~~~; DAY period, you wIN not bs raeNrirsd to pay attorney's isas. YOU HAVE THE RIGHT TO RENrSTATE AFTE ACCELERATION AND TFE RIGHT TO ASSERT iN Ti~E FORECLOSURE PROCEEDING THE NON-EXISTENCE OF A DEFAULT OR ANY OTHER DEFENSE YOU MAY HAVE TO ACCELERATION AND FORECLOSURE. OTi~R LENDER REMEDIES -The lender may also sue you personaNy for the unpaid principal balance and aN olFrer sums due under the mortgage. RIGHT TO CURE TIN'e DEFAULT PRIOR TO SHERIFF'S SALE - n you have not aced the detauN within the THIRTY-FIVE ~ DAY period and toredosure proceedings have begun, you stNl have the right to are the detauk and prevent the sale at any time up to one hour before the Sheriff's Sale. Yau may do so by paying fine total amaxrt then past due, plus any late or other charges then due, reasonable a@omey's tees and costs comeded wNh the foredosrre sale and :ury other costs comeded with the Sheriffs Safe as specified in wrifing by the lender and by Perfuming arty other regr4remenls under the mortgage. Curing yore default In the manner sat forth M this notice wiN nstors your mortgaps b tM soma positlon as Ii you hsd nwar dahulted. F~RI IF__Q'*' POBSNNLE SHERIFF'S S-~LF DATE - n is estimated ttrat the earliest date ttrat such a Stterifl's Sale of the mortgage property could be treld would be spproxlmatNy six (6) months from Brs dab of this Notla. A rrdice of the actual date of the Sheriffs Sale wNl be sent to you before the sale. Ot corxse, the amount needed to axe the default wNl increase tl~e longer you wait. You may find out at any time exactly what the required payment ar action wNl be by contacting the lender. HOW TO CONTACT T1FE LENDER: Noma of Lsrrdsr: Counfrywldo Homo Loans, brC. Address: P. Q Box 660694 Dallas, 7X 73T66-0694 Phorra Nuanbsr• f-000-669~37d Fax Number: 1-003.377-3~3T Contact Parson: A/S PTX-3ti Affantlon: Loan Counselor EFFECT OF SHER~F'S SALE -You should reaNze that a Sheriffs Sale wfii errd yar ownership of the mortgaged property and your right tD axxrpy N. If you cornfinue to live in the property after the Sheriffs sale, a lawait to remove you aril your ltrrrislrings and other bebngings c:orrld be started by the lender at any line. ASSUMPTION OF MORTGAGE -You may sefi or transfer your home to a buyer or trarrsieree who wNl assume the mortgage debt, provided that aN the aRstanding Payments, drarges and a@omey's tees and costs are paid prior to or at the sale and that the other requirements oT the mortgage are satisfied. You AY us0 HAVE THE RIGHT• TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LFJ~IIVG INSTIMION TO PAY OFF THIS DEBT. TO HAVE THIS DEFAULT CURED BY ANY T?tIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, iF YOU CURE ~`... 7113 8257 1472 31W 2044 THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT 70 CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUff INSTRtJTED 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. Your loan is in defauk. Pursuant to your loan doaxrrents, Countrywide may, enter upon and conduct an inspection oT your properly. The purposes of such an inspection are to (i) observe the physical arndition of your properly, (ii) verily that the properly is ocaQied andlor (fi) determine the identihr oT the ocarpant. K you do not cure the default prior to the irrapection, other actions to protect the mortgagee's interest in the property (inckid'ing, txR rwt rmited to, winter¢ation, searing the P~dY~ and valuation services) may betaken. The costs of tin above~esult»d knpedlorrs and properly pnsenation et'torts wNl b• charged to your account as provided in your security Insfrwnerk. IT you are unable to axe tire default on or before July 7, 2007, Countrywide wants you to be aware of various options that may be available to you through Countrywide to prevent a Torecbsure sale of your property. For example: • Repayment Plan: It is possible that you may be eigible for some form of payment assistana3 through Cantrywide. Our basic plan requires that Countrywide receive, up font, at least'i4 oT the amount necessary to txing the account anent, and that the balance of the overdue amount be paid, along wRh the regular monthly payment, over a defined period of time. Other repayment plans also are available. • Loan Modrfication: Or, i is possible that the regular montNy payments can be bwered through a modifM,ation otthe ban by reducing the interest rate and then adding Ure deinquent paymerds to the axrent loan balance. This Toredosure alternative, however, is imfied to awn loan types. • Sale of Your Property: Or, H you are wiling to sei your home in order to avoid Toredosure, x is possble that the sale of your home can be approved through Countrywide even N your home is woAh less than what is owed on R. • Deed-in-Lieu: Or, H your property is free Trom other Bens or enarntxances, and i( the defauk is due to a serious financial hardship which is beyond your au~trd, you may be eligible to deed your property directly to the Noteholder and avoid the forecbsure sale. IT you are interested in disarasing any oT these toredosure aRematives with Corxrtrywide, You must cordact us immediately. it you request assistance, Coirrtrywide wii need In evakrate whether that assistance w6 be extended b you. b the meantime, Carfrywide wii pursue ai of its rights and remedies under the loan doarnents and as perrtrfited by law, unless it agrees otherwise b writing. Faiure to bring your loan axrent or to enter into a written agreement by July 7, 2007 as outlk~ed above wit resuk in the acceleration of your debt. Time is of the essence. IT you have any questions axrceming this notice, please contact Loan Canseing Center imrrredrately at 1-800-669.4578. APPENDIX C PENNSYLVANIA HOUSING FlNANCE AGENCY HOMEOWNER'S EMERGENCY f~ORTGAGH ASSISTANCE PROt3AAM CONSUMER CAEDIT COUNSELING AGENCIES ARMS~ONG COUNTY cccs d wawn Par~ya~erra, hoc. AmeAcert Rtl Cross - Flerraver Cltepter CCCB d WaMerrr Panyslver~ia loc. 217 E Flank Road 529 CarMk 9kaet 217 E. Plynlc Road Atone, PA 18x02 Haroover, PA 1733f _ Aeooroey Fy- 18802 Phc 8i4•Y44~810D Ph: 717-837-3788 Ph: 814.944.8100 Fme 814944.5747 Fax: 717337-3294 Ple 814~9M-5747 Ta171BYrod 8arvicas, hoc. Ftnareclal Caslselrq Servicae d Franklin CtedR Courosebr8 d PA 536 East Meln SMset 31 Walt 3~ 3Uast 401 Wood Slreat Sorrowwsat, PA i'.N01 Weyroeeboro, PA /7268 9uNe908 P'Fe 814-445.96 Pfi: 717 7823285 Plltsbut9h. PA }5222 ~ 800.4SQ Q1'N . Ph 4i2~38-9854 F~c 814.443,'~D CCCS d Waslem PA Pte 800.737-2933 2000 Lhogbstowrr Road Fax: 412-938.9983 Flordsburg. PA 17102 Btd9e1 CarMar Pfe 717-541-1757 homerea Ca Carrnunily Action Program 247 NoAh FiBA Skagit Ptr. 717.541-4870 827 Water Street Reading, PA 19801 Boot 187 Ph 610.975.7888 Adams (?asnY > Ardiwrky hrtferoeo, PA 15701 Froc 810.875-7890 139.143 CarAale St Ph 724J85.2867 Gettysburg, PA 17326 Feoc 724.465-51 i8 E~~ OPPa~~Y d Pte 7173941518 sky Flee 7iT- 34•ei28 ~ N• ~ ACliort Flarreirg, ~, PotlsviN PA 17901 ALLEGFiF~4Y COUNTY 426 8` Avenue Ph: 717.822.1086 pamaylvania ygiekr0 FMwoxea Agency 8uba 9ti0 Froe 717.822-W29 (Merlae Floss) '9k, PA 15219 2275 SwaNaw FDf Road Ph: 412391-1958 CCCS of 1.etigfe Ve1ay BuiMlotg 200 Fee 412-391-4612 9671 Corlacsltt CouA East P9tihrs~t, PA 15220 wle9eiwil, PA 18062 Ple 412429.2842 Fieuahop OpparpsdNee d Beaver Ca, inc. Ph 810821-4Mt Fsx: 412•MZ8-~95 860 Corporation 31reat Pte 8002793 (814 aroly) gr~ 207 Feet 8108218982 Action i"~o9, Inc. Beaoret'. PA 15009 426 6~ Avenue Ph: 724728-7511 ComrrMrr4ty Fbueirrp Coratsebr, inc. &Ike 960 Post Ai80a BaK 844 PRbbrrrgh, PA 15219 CredR Cau~sebra d PA ICarrestt~ PAPA 19946 Pk 412-991-1966 401 Wood Street Ple 412-281-2402 Suibs908 Faec 610.44482A3 Fla: 800-792•,~Ot PRteboaph, PA 15Y22 Faoc 412.391-4512 Pte 412-338.9954 ~ F'k 800.757-2903 Bed torte Hoxrek-g Savkea CCCS d Weetem Ppsosyl~ uec. Fax 412-3;!8.9963 R.0.1, Boa[884 309 Sn4lidleld Siroet Everett, PA 15537 PNlsbwgh, PA 18222 Man-VaAey llrwmpbyed CarrNnsa Ph: 814.825.9129 Pte 412-471.7584 120 E. 9~ Averew Face 8148237187 Honesslaed, PA 15120 Urban Laepow d PMlsbrrgh Fri: 412.482.8882 CCt:S d Wsslem Perxosylvstok k~c. 8ridfnp for Egwl t)pporarrRgo P'h: 412-4829984 217 E Plank Road OM S Street Altars, PA 18802 Plgsbengle, PA 15Q22-2222 hbutieg ~porhrrplses hoc. F'h: 814.944-0100 Pk: 412227-4808 133 Seventh Street F1r. 814944-5747 Fa>c 412-281.5207 Poat 0t8Ce Bar 9 McNaeepoA, PA 15134 ECOlecniC ~ ~R Mar-Paley lNtempiayad CansroRlee Ph: 412.684-1908 1~ ~ ~~ ~ 120 E 9'" Avarere Feoc 412-684-0873 Joltnstoeltt, PA 15901 Hd7oaslaad, PA 15120 Ple 814-595.6656 Ple 412-462-9082 FaoC 814.5961.1688 Cosri9t Coeneelors d PA Ballard-Fulton Naustng 8ervbes 10241 LkocaYl F4phway Wea9eaNalbn O(tce 401 Waod Street Evareb, PA 15537 917 IdIMt 8looeet Stdls 908 Pie 8148239129 FMntBnDdgrr, PA 18862 FleWoorph, PA 15222 Fax; 814-bxi•7187 P~ 814'Q43-~ Pte 412.3.36.9854 Ph: 800.737-2833 Keyataw tcooreamiC DevelopaerU BRA81y01#D GDUIITY fleee 412338.9083 1 race Lens 1400birtOkxt EreecerlAw Park CannnrNry Actlae Souarwast Joteosbwro, PA 15901 SWIa / 22 West F61gh Street Ph: 814-535.6556 Ctarka 9rrmilt, PA 18411 Wayroeaburg, PA 16370 Faoc 814539-1668 Pk 570.587-9183 Ph: 724852-2803 Pb: 800822.9597 WeatleerizalbnOtBce Faoc 570.687.9794 1larreheg Opporluroiliss 917 MMIn Street Faoc 570.587-9195 133 Seven9l Street Fkrrodrgttat. PA 162 Post Office Bax 9 F'k 814.843-2313 3f W. M~ Skagit McKeesport, PA 16132 Wekas-BMre, PA 18702 Ph: 412.884-7908 Pie 670.821-0837 Face 412.864.0873 Pk 80O9224~.e37 Faoc 570821.1785 e salt 7b Street CCCS d Delaxrete Va1By CtxB a Wesrorn PA Slroudsburp, PA 18380 Trevose Catporats Center 219-A CCMoya Palk Plaza FNt 570.4208980 4808 Street (load JdxostoMSt. PA 169D4 Ph: 800.922-9637 Trewse, PA 19047 Ph: 814539.8335 Fax 570-420.8881 PtX 215-5695886 CCC3 d Western PA 1631 3. Atherton Street I:CCS d ~h VaOey 217 E Plank Fined 3trlle 100 3671 Crescent Court Fast Altoona. PA 16602 Stets Calbpe, PA 18801 Whitehall, PA 18052 FMt 814.9~M~8100 Pit 81429E-36Q8 Ph: 810-821-4011 Fex 8t4-944-b747 Faoc 8142383680 P~ ~'~-~~ Fau 810.821-8932 Ecar1 ~ ~p- The T Carter d Noun PA 1964 Mary Grace Lsne 10 Pubic Avenue Jotstatown, PA 15901 MgNrose, PA 18801 846 Stroh Ph 8145956668 Ph S70~T/8+?~i38 CoelesvlAe, PA 19820 Fax 814338.1888 pK 800-982-4045 Pit 888-212-6741 T~ ~' Fme 570.278.1869 144 E. Dekai) Pke ' 595 East Mdn Street ~~ SirBet Klrg d Prusafa, PA 19406 Someroe6 PA 15501 Past t~ Booc 38g Ph: 610.971-2210 Ph: 814446.8828 Dushore, PA 18814 Fax: 610-285.4814 Ph: 600~452'01'IB ~ 6~~-pQgg Fmc Bi44493890 Feoc 570-9~8~8144 755 Yank Flood Suite 108 ~U~ 93 WaMrtt Street Wes, PA 18974 Nortltent r Cammutily Adlat Carp. Weksboro, PA 16801 Ph: 215444.9429 - Past OQlos Bat 389 st4* 91r9et 1~ W Pit 570-724-6252 Fare 215-956 8344 e Faoc 670-724b789 PA 15834 BUTLER COUNTY PM 84.4Bb1181 185 Ekrrire StreaA Actla1 ~n9, inc. Fmc 8144860826 Post OfbCe Boot 218 425 8° Avenue Troy, PA 16847 Stdta 960 CCCS d Na6reasprn PA Ph: 670-297-2101 Pataburyh, PA 15219 1631 3. Aaoerbn 3treN Ph: 412391-1968 Slate 100 108 Warren Street Ph: 412-261-2102 91Me CeMepe. PA 1Q801 Poet Olllce Bat 709 Ph: 814.23&8888 Tunidiss+ock, PA 18667 Harsin0 Opporturdtles. Inc- F~me 814-298.9888 Ph: 5/0.896.6840 660 Corporate St. Faoc 570.89&6932 Suits 207 CCCS d Wedlam PA McKeesport, PA 16132 217 E. Pttdt lined 981 Melt Street Ph: 412-884-1580 Alborg, PA 16000 Hawadele, PA 18131 Fax 412$64.0873 Ph: 814A41~8100 P~ ~ r1 F'eoc 81441443747 Fare 570.253.4817 ~. ~• 1 ~Kg C.0tR1Tlf Post Ofbcs 8oot9 Acorn Mapkg CorpaaMat 16134 Mme. CMare Sheet 848 t4ortlt Breed Street Ph: 412.684.1908 Ptxlevfe, PA 17901 WrNadeipide, PA 19130 ~ Fax 412~Q84-0873 PM. S70~R1985 Pk 21&766.1221 Fax 6708P2~0428 Fox 215.7.1427 OOCS d WesNnt PA YMCA BuOQrg CCCS d lellfph VeNeJr Bucks CgrrNy M'buB+rtO t3roup. kic. 338 North WastYnpbn Street 9871 tlpeeerR Court East 140 East Fifctwrdeart Avenue &otler. PA 16001 WhAeta/, PA 18062 Lerghortra, PA 19047 Pit724282-7812 ~ 6 9 Ptt 215750-1310 (717 and 614 txrly) 3 Feoc 215750.4318 Mat-VaMy lktanployed Carot~ee Fmc 610.821-0137 12D E. 9~ Avenue FACE Fiorrrestsed, PA 15120 167 AOepFreny Avenue, 2"~ Floor Pit 412-482.9882 1400 A19rN~ar EomctAAw Frark PltMadeiptlia, PA 19140 Faoc 412-482-998A Sulfa 1 Ph: 215.428~802~' Clerka Stsrmla. PA 18411 Fmc 215.426.8122 Credk Uotxiselors d PA Ph: 57C18874t169 401 Wt>od stror<. sake 9oa l'h: 80062241537 Conrrotnlly Devdopnrerrt Corp. d FMtlsMrryh, PA 15222 Face S7CF687-9134 Ftarrklord Ph: 412338-9854 Fau 570-5678196 4820 Griecarrt Street Ph: 800.737-2933 63 Ah 7° Street 9 S PltNedelptrie, PA 19124 Fax 412-398.99 a Ph: 215744-2990 3bcttdsblr0. PA 18360 Fait 2157442012 CAiI~A C0II14TY ~ S70~120.8960 _ Bedford-Fulton Hotnin0 Services Ph: 800.9Q29537 NorBrwrest ©otemolnp Service RD. 1, Bat 984 Fau 570.420.8981 8001 14orMr &aed Strost EvereM, PA 15637 Ptredetptoie, PA 19141 Ph: 814.829.9129 Corrrrrr[t~n an ECarortAc Oppor4rrrity d Ph 2153247500 Fax 814.829-7187 Ltraenw Caurey Feu 216-9248753 169 Amber tsrre kxfisna cxy ConrrrrrrNy ACtla1 Program Vyt#os•Beraq, PA 18702 cccs d Dew+reere valley 827 wamr 8treeL Bat 167 Pit 57a.6aQ•asto ib15 Market 5b'eet- Suite 1325 krdierre. PA 15701 Plx 60041220959 Rrlede~fde,PA 19107 Ph: 412.465-2~7 Feu 6J0-8P9.1865-Calbdaetaedn0 Pit 215683.5865 Fax 412.485.5118 Ph: 570495.4894 - hieseRon Fax 215-8ti4-2888 Fme 570.4663831- t:~I before f~dnp Ph: 5708364090 - Trsdtlfararock 31 W. Market Street CCCS d DeteMrere Valley CCCS d Weslem PA Wikee-Berra, PA 18702 1513 AAe~ket Street 219•A CoAaps Park PIexB Ple 870.821-0831 Stfile 1325 Jolrretowr6 PA 15904 Plr 8pp.922.6s37 Phiedelphla, PA 19107 Plx 8145388336 Fax b7'O821-1785 Ph: 215.583-5885 Fans 215583.7020 1831 & Atlxirbn Street L~ ~+~ Suke 100 Conerrurrfly 1-Iauin9 Counaaln0 kx. Commbeton 1a• CaretrunNy AaBan (STEP) Sts1a Ctilepe, PA 18801 Peat OgIDa Bat 244 2138 Li+rcaln 84eM tip 814298 X88 Ksriett 9q~rrea, PA 19648 Pttq OMlea 80u 1328 Fax 8142;98~9686 Plx 810444.3882 - WrMirtutport, PA 17700 Fax 810.444.8243 Plr: 5703280687 ' Fsx 57022-2197 ~ a western Perbsywanli4 lnc. Plrla Corrxl for Carrarex4ly Aar. 217 E. Plenlt FiCad 100 North ilh Skeet CCCS d Northeee0ern PA ANoorra, PA 18802 Stile 800 201 8edn StreM Ptt:-814.8448100 P-r8ede[phiq, PA 19103 WtNarMeport, PA 17706 Fans 814944.6747 PIX 215887-7800 Ptt: 570.3288827 Faoc 215983-9941 Fax 57032.48828 Lyt~rrdnp-CAraon Co. Camre. For CarentetNy ACeon Canmuniy Datnlloprnent Corp d CCC3 d Noretaeebm PA (g^{Ep) Freriaord 1831 S. Atherton Shae1 2198 Lfrtoatn Street Group Ministry Stile 100 poet Ollhe Bart 1328 4820 Cxlecarn Sweet Stele CaMye, PA 18801 PA 17703. ph8eddplria, PA 19124 Plt: 8/4 Ph: 570328.0687 Ph: 2157+14-2990 Fax 814238-3889 Fax S70-S72-2197 Faoc 2157442012 u counrY coi al cxcB d l~brtlteestem pA CCCS a Oeleiiare va39y _ , ~ . 1831$. AtlteAat Street trlsr~l BtAAnp 31 W. Medoet Skeet Sig 1pp 790 E. Metitd Stroll Pod ONke Sat 1127 9lile Ca9p4 PA 18801 Sutle 215 Wlkaa~Benq PA 1870¢ Ph: 814,2!183868 WeetChesler, PA 19382 Plt: 570821-083'! Fac 814,2389888 Ph: 215~589.58~ Plx 80D-99637 Fax 570821-1785 CCCS d NorOieaelern PA 201 BeeN Street 845 CaeNS Street Comniesion an Ecanornic Opporkrity d WIAert>eport, PA 17703 CoelestlAni, PA 19020 Luzetrre Catrtty pK / Ph 888.212-8741 183 Amber l,erYe Fax 5703234!628 WBcsa-Berror PA 18702 144 E. Deketb Pate P1t: 570~8db0510 10np d Ptue.~lb PA 19408 Ple 80O8'7t~0060 Ph: 810,871.2210 Fax 570~82i0/865 - Cat bales ferirtp 848 North Broad Street Fax 810.2854814 Nft: 570.486x1904- tlemetlm Pltleaetptlie, PA 1913D Fax Sl0~466.6651- Cell bales leedfp Ph: 215.7"85.1221 755 Ytxk Floid Ph: 570.838.4090 - Turidterriack Floc 21B-786-1427 ~ ~ isler, PA 18874 W arrrrr 1400 Atlklpbn l3eeCWFre Park ~ Ph 215444.9429 Sutra 1 X247 tVbrM+ Fpyr $t~ Fax 2169588344 Cktau SrnwiN, PA 18411 1 0~ 5-7888 ~,e~.~ Ph: 80D~'~37' Fix 2153757890 CC~ar wes~m Pew kx. Fax 570-067-9194 YMCA Bu6dklp Fax 570687-9195 RACE 338 NoAh Waelftrl~bn Street 187 W. Meptterty Averara Btifec, PA 18001 2"+ Floor Ph: 412-x-7812 Booker T. waehinpEat Cantor PfYfedefptiieA 191~W 1720 FlotlerNi Street ~ CI.EARFIELD CL1U7tL1[ Erie, PA 18500 Fax 215428.9122 Ka~rslare Econaric Oerebpntent Ph: 8/4x138'8744 Corporalbn Fero 814-458.5748 Media Fa9owetip Haas 1964 Mary t3reae Lane 302 g, Jackson Street Jahnabwn, PA 15801 Jdm F. ilauredy Cattier, inc. Medfe, PA 19083 Ph: 814.6Ci63568 2021 East 201' Street Ph: 818.586.6848 Fax 814.539.1888 tie, PA 18ti10 Fax 810585-8567 Ph: 814.808+0400 CCC3 d WtreMm PaetsylvaniA Ntc. Fax 814-898-1249 Tabor Coerrssily Sert4rae, Inc. 217 E. Pknk tined 480 E IUny Street Albans, PA 18602 (heeler F.ae Cartrrastdy Adlot- Cartettlllee Lartcaeler, PA .17802 Ph: 814.944.8100 18 Wtei 9' Street Plx 717-307,5182 Fmc 8148445747 Etia. PA 18601 Ph: 800.788.150 (FI.O. any) Plr 614-4504581 Ferc 7173084127 kldena Co. Camrtnxtiy Ac9att Fax: 814x166-0181 _ ~ P-aprden .. ArrerMxn tied cress d Chester 827 Weier Street Sitettsgo vellelr Urb4rt LaeOtte, inc. 1720 EdOemae Avenue Bcec 187 801 ktdeha Avenue Cheater, PA 18013 ktdett4 PA 15701 Ferrer, PA 16121 Plt: 810-8741484 Pk 724.465-28iS7 Plx 412-981-5910 Ferc 72K-465.5118 CtA1W CW94TY t4or8trreet CatmeeNn9 Servk:es 6001 rL Broad Street CCC3 d t4orHNasterrt PA COCS d Wtrilart PereteylveMq ktc. Plfradelpttie, PA 19141 1891 8. Atherton Sweat 2000 Llnpkebwrt Floes PlK 21524.7600 Sttra 100 ttaraelxa'0, PA 17102 Fart 216-3248753 State CaAeOe, PA 18801 Ptr. 717-541-1757 Plx 814238-3888 Fax 814238-3689 Urban l.eeptte of s4etropo8ert 19 ACCt CCCS of Weslem Pen-1syMrart~ ktc. N, 8w S'treal 175 3traiford Avenue 1 North Gale $quanY Herrisbreg, PA 17101 Suie 1 2 Gerdes Caner Drive Ph: 717-23~-:99Q6 Wayne, PA 19087 Greeratbuy, PA 15801 Feoc 717-234-9459 Ph: 6104y11-2210 Ph: 724-838-1290 Fax 810.887.7880 Ac17on Comm. of the Cepial Tedelarrd Services, k1c. NCrNtMrest CoreMelrty Service 131 t40rth CarMer Avenue 1514 Derry Street 5001 NorBt Broad $lreel Sanasat, PA 15501 Harrbbay, PA 17104 Pttikdetpftis, PA 19141 PI>: 814-445.9b28 Ph: 717-232-9757 Ph: 215-3247500 F~c 8)4.449,9E90 Fetc 717.234-2227 Fats 2153248753 Mat Yaiy ltnwrrpbyed Conariltee FktartCial Coaroairry Services d FrantAn RACE 120 r~ 9* Avseaoe 31 Went 3~ Street 187 W. A09ytteny ave.. 2"' Fbor Horrrwlaad. PA 15120 Waynesboro, PA 17288 Phierielpttts, PA 19140 Ph: 412.4829982 P1>: 717-7623285 Ph: 215-428.80eb Fatc 215-428.9122 Corrtrnurtlly Action SautMNest YWCA of Cer&vie ~ Wad ~ Street 901 G 9lreat Carmaortily Fbuainp Caeuelor, tnC. WayrteaOwB, PA 15970 Cartels, PA 17013 Peet t)IBos Box 244 Ph: 72/-852'7893 Plt: 717-2433818 Kernels fie, PA 19318 Fats 717-731.9589 Ph: 810-444-3882 Fey911e Co Corrareadly Action Ayartcy, Inc. Floc 610-444-8243 137 NoM Beater /lrrn<w Adana Cgetgr iiouaia9 AuBtoriy Unbrdowr6 PA 15401 139.145 CsriaM Street CCrrgraariy Devtl Corp d Franktord Ph: 724.437.8080 Gtthlabra9, PA 17325 Cyaip Mktstry Ph: 800.427'-N4F0 Pft: 717334-1578 4820 Grissom Skeet Fats 724-437-4418 Fetc 717.331.8328 PhAedelptois, PA 19124 Ph: 215-744.2880 CCCS of Western PA ~IPFW COUNTY Fats 215.7442012 199 Edson 5lreet C(7C8 a w.aam Prrnsylvarae, 7ro. Unbelown. PA 15401 2000 i.ktytwarrn Rotd CCCS a Daarraro vaisy Plt 7a~ss-ee39 hlerdebtep, PA 17102 280 Nortlt Provtdertce Rued Plx 717341.1757 Madh, PA 19063 Ferc 717-541-4870 Ph: 215-583-5865 Wsrrsn-FansM t7asWw Ecatomic knb C o i O Cmtrtatiry Aelion CCmmieeion d the ACCT pio r enc 204 l7bary 8treat 144 E. Dekatb Pine Post 08ice @ox 547 1Der Kh9 d Prussia, PA 19408 War-en, PA 18'806 Fiantabtnp, PA 17104 Ph: 1110-971-2210 PIK 814716~R400 Ph: 717-232A757 Payer: 810.973.8219 Fats 8147290510 Fmc 717-234-2227 ~ urban d Mebopolian Flenisburp JCt~n FKerxredy Center. kx:. kY'irr~iled F t 2107 N. 8' 9beel Ees120r' Sbeet 31 Waet 9~ Skeet Flsttabug, PA 17101 Ede, PA 18510 Wtyrtasbaq PA 17288 Ph: 717-2345 Ph: 814.898.0400 Ph 717-78e•8285 Ferc 717-294$189 Fmc 814-898-1243 CCCS d Western PanrmyNenia, IfIC. DELAWANE C~H4ry Noriterrr Tier CCmmuNty At2fon Corp 912 SeuMr Georgel3treat Acorn Fkrrakp Caporelbrt 20¢1 York. PA 17408 846 North Broad Sa~e6l Post OMce Barr 389 Ptt 717-848.4)78 Plriedelpltia, PA 19130 136 West 4° Sttest P1t 215.786-f 221 Ertipodurn, PA 15834 CanrrKeYy ACBon UomnYeebn of (~pRal Feoc 21S-78S-1427 Pit 814-486-1181 Reylon Fats 814.4880825 1814 Deny Street CCCS of Dels+rdre Vaiey Harrisburg, PA 17104 1515 Market Street T PIC 717232-0757 Suiro 1925 Booker T. WaehirtptatCerrter Fatc 7)7-234.2227 Pltiedalphkr, PA 19107 1720 FtoierW Sleet Ph: 216+589.5885 Erk, PA 18503 CCCS of Wetkm PA Fart 215864-2668 Ph: 814-453.5744 21700 Liptwban Reed Faoc 8144Si-6749 Hrdebwq. PA 17102 Maria Fet7oarahip t•Icuse Ph: 717-641-1767 3023. JacksCn Street Jcln F. 7Csrwtady CarMer,lnc. Farc 717341-4670 Media, PA 19083 20'11 East 20* Skeet Ph: 810.5850848 ErigPA 16510 YWCA oiCaAfNe Faoc 810.585.8587 Ptt 814-BBB-0400 901 G 84eet Fats 814.888-1243 CarBSla, PA 17013 Plrllsdeiph(a Cenci tar Corrtrraattty Ptr. 717-249.9818 Advarrcerrwtt Greater Ede CCntmurriy Acton Fetc 717 243.9848 17~ Streeit Shca 800 18 Street Amerkkxtrr Red Cross-ttsaHer ptaple- Phiadelphia PA 19103 Ede, PA 18501 529 Cantle 9treat Plt 216.687.7803 Ph: 814459-4titll Fienove-, PA 17931 Fax 215-yai•994i Fatc 8144611-0181 Plt 717.8379788 ' Fats 717-8373294 American Red Cross d Chespr FA ~~ t~UNT_Y 1729 Edpmorrl Avenue ACBOn hlouskq, Inc. urban ~ea~N~e d Metropcflen l'~9. Ctrester, PA 79013 425 8~' Avenue 2107 N. 8" Skeet Ph: 810$741484 Suss 960 l~erdsbu9. PA 17101 Pibburyh, PA 15219 Plt 717-P34-6925 Ph: 412-391-1956 FaK 717-234.9459 Pk 412-281-2102 Fats 412-391-4512 Adams C.axAy Awhorhy ktdierea Co Carrmartly Actfon Program ~lYlliIENGE GOIJNTY 139 -149 CMbla street 827 weer Street, Baer 197 cccs a w.slam PersmvMania GauYabu-9, PA 17325 lndlarre, PA 15701 1 Federal Plena Ph: 717~3;i4-ib1B Ph: 724.485.27 3~ I06 Fax: 717-394.8328 Feoc 7244855118 Natlt AAd Street New Cantle, PA 1810t ~1 I=TON tSDlN1TY CCCS of WeBle<r- PA Ph: 724552-8074 Bed<ad-Fytlat Sen4Ces 219-A Cahepe Padt Plaza R.D. 1, Boa 384 Jdtrtalaear, PA 15904 312 Chestnut Street EvareB, PA 18637 Ph: 814590-8835 Sutla 227 Ph: 814623.9129 Meedrwe, PA 18336 Fax 814823-7187 JEFFERSON DOIJNiY ~ 814.999'8670 JoM F. Certler, lrrc. cccs a w.sam PennsyMenie, krc. 2021 Eaa~9traet snaten9o ~ tin Lee0tta, krc. 912 sown Georw sues Erie, Pa t651o Bot trtdlarraNvante Yak, PA 17403 Ph: 814.898-0400 Farrah. PA 16121 Ph: 717-8484176 Feoe 814-898.1243 P11: 724.961 '.5910 ~ a Frer4tlYt CotsttyCotxity t?otr~rn~x~tY Awn a Baaar Carly 31 9'v ~ ~ Wayneebo% PA 17288 827 Water Street, Banc 187 3ttila 20'1 Ph: 717-782-32Bb kkAene, PA 15701 Beawar, PA iS009 Ph: 724486-2~i7 Ph: 724-728-7202 yy t]~ Fart: 724486.6118 Fax: 724-728.7202 917 Mhihn SUaet FkMbn9don, PA 16852 CCCS a Waetem Persteylvatrle, trre. Ph: 814843-2345 YMCA Buhdig Etxsrorrdc 4)pparhariq~ Cankret a Saxyhdh 339 North Waahfrrplart Stroet Courtly Butler, PA 18001 225 Nartlr Centre Street Ph: 724-282-7812 Pa4avYle PA 17901 4258« Avenue Ph 570-022.1996 SuIN 950 Fmc ~'~'~ pftgbttrph, PA 18219 CCCS a WeNem PameyNaNa, Inc. Ph: 412.391-1968 2t7 E. PIeMt Redd Tabor Camsaily Servioae, kin. Ph: 412-261-2102 Atloorta, PA 18802 439 E. ~0 Street Fare 412591.4512 Ph: 814.9448iD0 Latttmsler, PA 17802 Fax 8149445747 Ph: 717.397-5/82 ~,r„p„,~y Action Soutttrrest Plx 800.788.8002 22 WAst Hph Sheet Weatlearfralion OIRce Fax: 717589.4121 Wayneabur0. PA 15370 917 Mhhfn Street plc 724-1~-2A83 Huntlnpdon, PA 18652 . Fax: 724-627 7713 Ph: 814-843-2343 CCCS d LMtlDh V9eheY 3871 Crtietetrtl Caul East Carsr~llee ~ 120 E /overate BPh: 104t21.4011 t laneebed, PA 15120 31 W. Mirka Street Ph: BOO+ZaD-2733 (717 and S14 a+ty) Ph: 412.482.8882 Pact Oltll"e Bot 1127 Faec 810821-8982 Fax: 412-44!t 98E4 WIIws-Bane, PA 18702 Ph: 5708210837 Etxertarrc Opporkedty Cabkeet a etittMdtl cccs a waetem Patrrayhnnia, k,o. Ph eoo-9~2-9637 cry 1 North GaN Square Fme 570821-1785 225 Natlr Cemre Sheet 2 Garden Carver Drive Poltsvhle, PA 17'801 Greertebur0. PA 15801 1400 AtektOlott Ezectrbva Perk Plc 570fi2~~96 Ph: 724898-1290 Suite 1 Fax: 570874-0429 Clerks Surnrlitl, PA 18411 Ph: 5705878183 Fbuekg3ervirces Ptf:80O96541837 R.D. 1, Bret 984 Fax 670587-9194 91 W. AA1Mtet Street EvWat, PA 18637 Fax 570687-919,5 Poet C11h0a Batt 1127 Plc 8141~i-9129 Witea-Barr.. PA 1$10¢ Fax 814.823.7187 ~: '~ +SY I'~s~0 (krxteebrs, Ph 80041Q2.9597 WeeNtertraYon Of1iCe Irx:orpaaled F®c 670821-1786 917 MfHfn Street Pt>st C11ioe Box 944 Fitxttlrlgdon, PA 18652 Kerstat Square, PA 19348 1400 Abirtplart Faeeattlaa Park Ph: 814-843-2943 Poe 215.444.9882 8ulte t Fax 216-4445178 t~arits st+rar4a. PA 18411 Gc~ a weawm Parwywarae, krC. Plt: b~o~6e'r-s16s 211 E. PIeMt Rued CCCS a Western PerrtsykrenM4 inc. Pte: HOD•96g9697 Atlaorra4 PA 18802 912 Saulh Gate0e Street Fax 570587A194 Ph; 814944-8100 Yak, PA 17408 Fax 570587-9195 Fero 814.914-6747 Ph: 717-848.4176 Camn+feaiarr on Ecaan~tc Opporptnny a CCCS a Cehiph Vehey ltuarrre 17ourly CCCS ktc. 9871 CassCent Cart East 189 Arrtltet t,tta 1 Nestle Gale Square WtMetwl, PA 18052 Whkaa-Barre, PA 187112 2 Garden Gaoler DMe Ph: 215521-401 i Pte: 5705280610 Gnserrobura PA 15801 Ph: 8002202733 (717 and 814 ady) Ph: 800~1t~03.98 Ph: 724-8381290 Fax: 215.821-8932 Fete 570829.1886 - Cal beloro 18edn9 Ph: 57084994 - liavallort Keystone Ecareontic Develaprrtet>< Tabor Cammurrly Services, ktc. Fax 570456.5831- CaM baton 1adnD Carporetlon 439 E. IQny Street Plt: 670~836~4090 - TteAdrerarock 1964 Mary Grace Lane LanC860ef PA 17602 Jdxtstown, PA 15901 Ph: 7177-5182 EOC of Sdrytdh CatrMy Pk 814-536.8568 Ple 800788.5082 226 North Centre Stoat Fmc 814599-1888 Fax 717-389-4127 PolisvMa, PA 17901 • Plt 570621995 fax: 5704122-0429 YCOIYNG COIM4LY 31 W. Mettret Sheet Post f3glCe Boat 1127 W91ros•Barre, PA 18702 Ph 370.821-0837 Pht 800922-8697 Feec 570821-1785 140D Abington E7tectANB Peck 9uhe 1 Clerks Seerenie. PA 18411 Ph: 57(F58T-9183 Ph: 80D-922-9637 Fatc 570587-9134 Faec 570-687-9136 201 Bseln Street Wllsrtspott, PA 17700 Ph: 570.323.8827 Fax 570.4236626 Ly~ntinQ-ClkMan Cantles Carter~fssbn far Conenuriy Action (STEP) 2138 Llrtoain SIreBt Pea Olrtcs Bat 1328 W8lerrtepat, PA 17709 Ph: 570328.0687 Facc 570322-2197 9 South 7M Street Skoutyl6ttrg. PA 18980 Ph: 670+120-8986 Ph: 800-922-~i7 Fats 570.4208881 1400 AEinplore EauctNMe Pit Sine 1 CIaAa SummNt, PA 18411 Ph: 5701187-9183 Ph: 8004122 9697 Farc 570587.9134 Fax 570587-9136 Comm an Ecataric OppoRtenNy of 183 Amber Lane WiAcee-Barren PA 18702 Ph: 570280310 Ph 800822-0069 Fs+c b704328.1665 -Cal before taping Ph: 570458rW64 - Hezetlaf Fax 5704556831-Cal before imdng Pk 570.8364090-TUnkFeerewck ACOnM1 Houskp Cotpaetiae 816 MaMf eroa0 Street Phifedaiphte, PA 19130 Ph: 215765-1221 Fmc 275.765.1427 ,IaM~ ,Inc. CCCS of Deleerere VaBeY 2021 East 20° Street NorAelawn Berekeess Certler Etta, PA 18510 190 W. Caerrreatelown Plte. Suite 140 Ph: 814.898.0400 Nonbbwre, PA '19401 Ferc 814868-1249 Ple: 215.589-6885 Nortleem Tier Cortteetr*y Actlore Grasp Poet Ol~ Bat 389 138 W. SMet Emporkate, PA 150;14 Ph: 814-4881181 Ferc 814-4880825 SherMtgo Veit' tkben Leeptee, kec. 801 hedseeAvware Ferrol, PA 18121 Ph: 72A-981.6310 CCCS d Wee1Nn Psnnsylerente, ktc. YMCA Btildnp 339 NoM Washinolae Street Bedlar, PA 18001 Pk 721-282-7812 CCCS d Weelern Pexesyktenia, kec. 217 E Ptsrtk Flood Alborts, PA 18802 F'h: 814-'914.8100 Fmc 814-9445747 cCCS d NteMweslent P 16918. AMterlon Skeet sub too Stele CdieDe, PA 16801 Ph 814-2983888 Faec 814298-3889 WealfeerbsMon f>'6ce 917 MIlltt Street MrMkepdor-, PA 18692 Ph: 814.843-2343 sm Pann~tNaNa 31YIStrelet Past OHbe Bast 1127 W9ioee-Bare, PA 18702 Ph: 574821.0897 Pfr. 800922-9537 Fees 570821-1785 C('.C3 d Delaware Yelajr 1b15 Merkel 9lreet, Sine 1325 Phiedaipltia, PA 19107 Pk 215583-5885. Fmc 215864-2888 Nordfeteet CareereNrg Service 5001 N. 8roed greet Ptelsdeyli4 PA 19141 Ph: 215.424-7500 Farc 215-9248753 Carrrxrturiy AalbnDaeloptreertt Ctxrem 119 E. Mek- Skeet Nareielawc6 PA 19401 Ph: 810.277.8389 Fart 610277-2129 GaramtWty Haeetng Couneebre kec. Poet OIACe Bart 244 Kertne8 8titrere, PA 19348 Ph: 21B-444-3882 Fax 215.444.8243 Media F8lowehip House 302 S..let:kson Street Medial, PA 19089 F'h: 810585-0618 Fast: 6105.86117 Phis Card brCortersotYy Ademrtt 100 North t7a Slreei, Suite 600 F'A 19100 Ph: 216567 7803 Fax 213,983.9941 815 Coeles St Carleevre. PA 1932D Ph: 888-2128741 1M E. Deltalb Pike IQrtg of PNaele, PA 18406 Ph: 810.971-2210 Faec 810286.4814 755 Yank Fbad 9tetle 103 Weerriteeter, PA 18974 Ph: 215-X44.9429 Feec 2156588344 ~TOL1A COUNTY 31 W. Msrke181rest Poet OliCe Bat 1127 WMws-Berta, PA 1870Q Plx 8704!21-0837 Ph: 800.922-9537 Fax 570821-1788 1400 Atirt6lm Enaceetlve Perk Seeite 1 (]arks SrererrrlC PA 18411 Ph b704~7.0183 Ph: 800.9229597 Fac 5704587-9134 Fac 570.587-9135 rxcs a Leese vales 9871 Cteecant Court East WhlehlM, PA 18052 Ph: 810821-4011 Pfe: 800.220,2793 (717 ared 814 any) Farc 810821-8992 31 W. Market Sbeet Post 018ce Bert 1127 Wlr~es-BSnlt, PA 187 Ph: 570-821-0837 F'h: 800~9P2•bi697 F®c 570-021-17&5 1400 Abktplal Exectihre Path Suds 1 f2s'Its 8teretin, PA 18411 Pk 570fi874fi83 Pk 80042-~i97 Fax 57~O387rB194 Fax 57!0-S87A1~ 201 tlpeNf Street WAiertttpott, PA 17708 Ph: SI0329~8827 Fac 570.3238828 Et~ceortetc Oppabniy Csbkeet d 8t2syAcir 225 Ntxlh Cerel-e Street Polbvt#e,, PA 17901 Ph: 570822.1996 Fstc 5T0~822-0429 CCC$ d Weelem Paee~4vsela, Ina. 2000 Lktpiegoeel Flood 1laerbbArrp, PA 17102 Ph: 717-641-1757 Feic 717$41-4870 Lkbere Lergtea d Metropdmn Herdebtrrp 2107 N. Street Fieniadey, PA 17101 Ph 717-294-5625 Feet: 717 2,44-949D YWCA d Cadble 301 d Street Garble, PA 17013 Ptt: 717-243-3818 Faec 717-2483949 FieanCial Coleeselre9 3ervkse d Frertkln 31 West 9id Street Waynesboro, PA 17288 Ph: 717-782.3286 WeaBtedze8orf OIIic6 917 Mlllre Street Ffumkegdare, PA 18&'12 Ph: 814-843-2943 Consntseily ActlOn Carrnbsion of The 1514 Derry streett Hanbburp. PA 17104 Ph: 717-232-9757 Faec 717-234.2227 Acorn Flousfn0 Cocparaaore e46 Nan Breed street Pleladepie, PA i913D Ph: 218.785-1221 Fac 215785-1427 Nanweat CaneiRrp Sen4ce 5001 N. Breed St-eet Pfelsdeiptgs, PA 18141 PM. 215524.7500 FaK 215324-8753 CCCB of DeNeerere Va11ay 1515 Mattel Street Sut1a 1325 ~ PA 18107 Ph 215.888-GBBG Fast 215-884-2888 RACE 2'~ i~hledalptefa, PA 19140 Ph: 215.428-80Q5 Fat 215-4269122 Matrix FeberaaNp lieaiae 902 S. Jackson 8treec Medey PA 19083 Ptt 8105860818 Fac 810585.8567 PCCA 100 Nan 17~' Street Su'te 800 ' Ph'ledefpitiss PA f9f09 Ph: 216587-7809 ~ Feu 21b-983-9941 CCC3 d Daleeraa Valley One Cturry Fill 8uMe 215 Cherry Flt, NJ 08002 Ph:215-583.5885 i Fiouskg Aaaocleeort d Delaueaa Vetiey i 1500 walnut street Sole 801 PI>>edetiphia, PA 19102 Ph: 215-5468010 Fax 215790,9132 hbuekp Aseociela- of Delaeae veray 658 Norlr welts Street P1lfeds~tele. PA 1912.9 Ph: x15.976-oQ24 . Feoc 2157867814 CAmrraMelly Devel. Corp. d Fraedord ~p Mt~ry 4820 Grissom street PhOade>ipFefa, PA 18124 PIti 215-744-2990 Fau 218.744-2012 845 Codes Street . CoatesvlMB, PA 19320 Ph: ea621a-8741 1M E. Dekelb Pike K(ng O(Pnrasie, PA 19406 Ptx 810.971-2210 Faoc 610.2854814 756 Yak Rued Sole 103 Wanektefer, PA 18974 Pt1: 215.444-9429 Fax 2159684L944 P9(E C0NN4'iY 3/ W. Meerket Street Poll Offka Baer t 127 Wf4as~Barre, PA 18702 PM 5708210837 Ph: 800-922.9637 Feu 570821x785 9 soon 7« SueeX 3trouetebur~. PA 18380 Ph: 5704208880 Ph: 800.9Y2-9637 Faoc 870-420-8981 1400 Abin9lon Execcnive Peek 3uke 1 Cksks Surnrnbt, PA 18411 Ph: 570.587-9183 Ph: 800922-9637 Feu 570587-9134 Feu 570-567-919;1 POTTER COLNTY NoAhan Tier CorrsnceeNy Action Group 135 What 4r' Street Emporium, PA 16834 Ph: 814.468-1161 Feu 814-488.0825 $174tlYL1C8.L CAlltl4~ Budpst Cacerrsefleg Caller 247 Nan FtfMt Street Reedkg,PA 19601 Ph: 810$75.7888 Fax 810575-783D CarrVrrs:afon on ECanamiC OpporkMly of Lrrterrb Co. 183 Amber Lase Wllces-B9rro, PA 18702 Ph: 570828~05f0 Ptr. 800822-0389 Fat 570829-1885 -Cal before fadrtp Ph: 570~55~4994 -14seeMsn Fax 570465-5891- Cal before fer6rp Ph: 570.8364080 - 7unlcleaseock Ecananlc Oppott Cabinet of scasyldl Co. 225 N. Centre Street PonaviNe, PA 17901 Ph: 570.822-1996 Fat 570871.0429 CCCS of Caliph palsy Pool O1loe BOec A Whpeleel, PA f8052 Plt 810.821-4011 Fact 810821-8832 cccs a weaam Peemylraeta Inc. 2000 Linpl6etoax- Flood Fkuebbtrcp, PA 17102 Ph: 717-541-1757 ,Fst 717-541-4870 Canmcrretly Adlae Canemfeefon of Yee Caplml Flapiar 1514 Derry Street Fkrrrbbcerp, PA 17104 Ph: 717-232-9767 Feu 717-234-2227 Urban Lespua d Me]ropo9en Flarrie 2107 N. Street Fierrisbury, PA 17101 Plr 717 234-5~5 Fax: 717-2,94-9459 9O1lffA8Et 4~lNa'[Y BsetAdd•Fribn Ftorealrq sen4cee 8.0.1, Besc384 tverel4 PA 15537 Ph 814.8?3.9129 Fex 814813.7187 CCCS of Weetan Perrteyfvente. Inc. 1 Nora Gw square 2 Garden Cenre Onus Greecesbtap, PA 13801 Ph: 724.8.1290 Tablelad Sexviees Inc. 535 feet MYfn Street Sareereet. PA 15601 Ph: 814-4~~+B898 Ph: 8004520148 Fax 814449~.'l890 Ke'p31Cr1Y EcalorNc DeYebpncaet Corp. 1964 Mary Greco Lana Jafenelowre, PA 16901 Ph: 814-5368688 Fsx 814fi89-18M CCCS of WeeMm PA 219,11 CaBeye Pak Plaza ,klseelawn, PA 16804 Pfc 814539 ~B.UVAl4 OOItMTY CC.(~of I~ioYOnaaWn t 1400 Ahkcpton f~mau8us 9nAs 1 (talcs Stemmlb, PA 18411 Ph: 570.6879183 Pft: 800.9228537 Fax: 570.887.9134 Fax 570.507-9135 31 W. fe4aket Street Wi9cas~BaTe, PA i870Q Ph: 570821.0897 Ph: 1100.992.9697 Fau 570.821-178.5 Tna Treheb ~'~ d Nsrthseelee- PA 185 t3eka8treet Post Olla Sox218 Troy, PA 18947 Ph: 570597-2101 Fare 570.297-2799 17 Crebm t3traet Weflebas, PA 18901 Ph: 570.7246252 Fac 57D-72ih5783 103 warren Street Past OMoa Bart709 T'teeldreretodc, PA t8657 Ph: 5705968840 Fau 5705368392 Gamer street Pbat OtBcs Box 989 Ocraleoree, PA 18814 Ph: 57098&8888 Fax 570.928-8144 931 Mekt Stnsd Hwreadde, pA 18431 Ph: 670-259.8941 Fex: 570,253.4817 71~ke Arearo Banc 339 Maarose, PA 16801 Ph: 570 278+9336 Ph: 800982-4045 Feu 570.278.1889 103 Warren Strew warren-Ftxrest Ctwntlee EcanotWC Pose 08ice Boec 709 ~~ 1400 Abinpmon Executive park Tunldtarrtoclc, PA 1885/ 1209 Perrtbdwreb Avenue, West SuMe 1 Pk 57tY896.6840 Post gtlCe Beet 647 Clerks Stamut4 PA 18411 Faoc SI0~896~332 Wtvrert, PA 18385 Pk 570-58T~183 Pk 814-728,2100 Plx 800-~2A537 891 MsiTn Street Faoc 814.7x+0610 Fax: 670-587-9134 Fbnesdele, PA 18431 Fmc 5745879135 Ptr 870.253.8941 Feoc 570-263.4817 Mtc A 31 W. Market skeet ve 4256* WlAtes-8arrq PA 18702 The TreF+eb Center d NE PA stsita 950 Ple 574821.0837 7 LakeAvenw Pdleburplb PA 15219 Ph: 80Q-922.9637 Box 339 Plx 412.991-1968 Fox: 570.821-1785 Montrose, PA 18801 Pk 412-281~10~2 Ph: 570-278-9898 Fax: 472-391-4512 d N«aweatern PA I111hi1k Ptt: 800.982-4045' _ 186 t]rria street Fmc 570.278-1889 t:cCS a Weslatrt Parxpybattie, ha Peat Otlice esx 21a 1 Nanh t3eb sQ,era ~ ~ z 13atden Cartlar tktMe Ph: 5T0-~ Ot Co Camnl for Conm l Grealebury, PA 15801 Faoc 570.287-2788 Aotlon(S7EP) Plt: 724-898-1290 2138 Lirtcaln Street (3ennert sheet Post Otgce Box 1328 ~h9 BPD, irx;. Post Ohba Box 389 Wittlerttaport, PA 17)08 133 SettarMh street Dtraltoran PA 18814 Ph: 570~428.0587 MtdSaespat, PA 15132 Ptc 574928.9888 Floc 570-322-2187 Ph: 412-084-1690 ' Fas-570-928.8144 Fa~c 412-684.0873 axe d western Pertnsy>wena. hc. 17 t:ranon sheet 217 E Park raced 1ledlt Cotneetaa d PA Watlehoto, PA 18901 Altoona, PA 18802 401 Wood street Ph: 570.724.6252 P1f: 814914-8100 Saks 906 Fax: 570-724-5783 Faoc 81441M-b747 WltabtwpA PA 112 Ffi: 412.998-9964 103 Warren 3trest Ph: 800-737-2993 Poet Oglce Bat 709 31 W. Market Sheet Feoc 412396-!198;1 Tunkitarxtoclt, PA 18657 Post Ollbe Box 1127 ~ Ph: 570-83g-8840: Wllus-Bsrre, PA 18702 ~rr~y~ At:gon 3ds9wrest Fax: 570-8863392 Ptt: 574821-0831 ?2 West FMph Sheet I Pte 800.822-95.47 Ways>es6wp, PA 15370 831 Mein Street Fmc b70.821-1785 Pk 724862.2698 ~ Hateatlpa, PA 18431 Plr. 570.28,48941 1400 Abirgtors Executive Park 53 i'L CAMOe Street ~ Fax: 67Q-263.4817 SuNe 1 Waetlinplan, PA 16901 CaAca Stsrtc-~t. PA 18411 Ph: 724.272.8292 ~ 7 Leloe Avenue Plx 570687-9183 Boot 3~ Ph: 800922.9637 MotfYaray lkterttployed Carrxr~ttes ~ Montrose, PA 18801 Fax: 570-587-9134 12D E 9r Avttrata Plc 670.278.3338 Fmc 570.587-9135 Fbntabted, PA 15120 Ph: 800.982-4046 Ph: 4/2-1629982 Faso 570-278.1889 201 Bash Street Faec 412-46Q-8984 i Wl9amaport, PA 17708 ~ Fax: 570.423.8826 ~ 1400 Abinptan Eaecudlw Park 1400 13teCttlNa Pads S11rit0a 1 VENAMaO t~l9RY SuMe 1 Clerks ;Axrtrrdtt, PA 18411 Oreely Erb C.artxaunily Adiot- Clerks t3ummM1, PA 18411 Ph 510587-9189 CarrMnNlee Plc 570-587+9169 ~ Plc 800~9Q2~9637 18 west 9'' 3lreet Plt 800-0229637 Fax: 57D-587-9134 Eria, PA 18501 Fmc 570687-9134 Free 570.687.9135 Plt: 814-4ti9~d661 Fax: 514587~813B Faec 814.458-0181 31 W. AAarket Street 9 sotdh 7'" Sleet A 1e7e2 ~a Penneywana, hc. eseo ~ ~ Phi 801}922-~i37 3~ 14tM11t washYtplon Snaet Pl[ 800.922.9587 i Fmc b70,821-1785 Butler, PA 18001 Fax: 670420.8981 Ph: 412-2827812 The Treltdf Center o1 Wodtaasbm PA 3t W. Market 3lreat 185 Eknka Street .tahn F. Kerrrtedy Certear, Irtc. W~aa-Ber% PA 18702 Pbat Ofpce Box 218 2021 East 20e Street Plc 570.821-0837 Troy, PA 18947 Era, PA 18510 Plc 800922-0637 Ph: 570-297-2101 Ph: 614.998.0400 Fax: 570821-1786 i Feet: 670.297-2788 Fax 814-896.1243 The T hab Ctettler a t~ PA German 81-tiet WARFt64 CaNJTY ra 1~ F]rNra Stleel Post Otlke Bret 389 Booker T Ws~t9ton Center Post Ot11ce Boot 218 Dtteltote, PA 18614 iM0 Flollertd 3trest Troy, PA f8947 , Ph: 570928.9866 i EAe, PA 1850.9 Plx 570.297-2101 Faec 5709-81M Ph: 814-463.5744 Fax: 570-297-2799 Fox: 814-453-5749 17 Creltcn Street 17 Cralton Skeet WaOebaro, PA 16901 Greater Erie ComrrNtaty AClbn Wellsbo% PA 101 Ph: 674724.6252 Goamltes Plc 570.724-15252 Fox 570-724-b783 18 West 9~' Stte~ Faoc 570-724-5783 Erie, PA 18501 Plc 814-458-4581 Fax: 814-458-0181 tea warm street wYOMMIa coiuWTr Pact OfAOa Barr 708 Carnrmn Eoawmice Oppawnily d TunldMrmodr. PA 18857 Luzenre Garrey Ph: 570~8;18~8840 149 Amber Lane Faoc 570g~g.g332 WNkes~arre, PA 18701 Ph: 570.828-0510 ~~ 9lrset Ph: 80022.0359 Post Olive Barr 389 Far b70-8'~J-1865 - Col bebore i8+dn8 Dr+elrerd PA 18614 Ph: 570- `46J-4884 - IiemeMon Ph: b70.928.9688 Fax: 670~I.S8.8891- Cai bdae feo&r8 Fax: 870-928.8144 Ph: 57089&4090-Tur~ldrernxk 831 tlAsln Street S~+SoS.s~ rbrtlresetem PA Flaleedeb, PA 18431 1400 Abirpton Exeartlira Park Ph: 570.259.8841 ~Jile 1 Fact 370.2~i3-4817 GYarlca Sl~rm~Nt. PA 7841 Ph: 570-687-9183 7 Lake Avenue ~~ ~'~'~ Hat 339 Fax. b70-b67~8134 MarNroea, PA 18801 Fmt b70.687-9135 Ph: 870.278-3338 Ph: 800-992-404b 31 W. Market Street Far 57P27&1888 WBka-Bar-e PA (8702 PtC 570-821-0897 Ph: 800.9?2--9597 Acia1 Hdrsln9. -~. Far 57'0.827.1785 426 ~ Avelal8 Suie 950 TheTretreb Gaoler d NE PA Pitstxaf~r, PA 15219 7 L~A~~ Ph: 412.391.1986 ~~ Ph: 412.281-2102 Montrose, PA 18801 Pte 570.278--3;1138 Oommurrty Adbn 3auiwrest Ph 800882-4046 22 Went Htph Street Fact 570-778-1889 WeyrreeMrrp, PA 15370 Ph: 724-852.2883 185 Elmira Street Poet Oibs Bast 218 CCC8 d WseMm PsrxmyNaefa, inc. Troy, PA 18947 1 ~~ (Mp 5,~~ Ph: 570,297-2101 2 Gardstt Cerssr tkxve Fax 570-297-2799 (lroertsbta'Q, PA 78601 Ph 724.898-1290 17 Grattan Street Wetbborq PA 16801 Flousfnp OpporMniies, Inc. Ph: 570-724-5¢52 193 ~ewseMr gyeq Far 570.724.5763 Mcl6aataport, PA 15192 Ptr. 412-084-1890 103 Warren Street Fare 41284.0879 Post OfNCe exec 70B Tunktteretocir, PA 78857 Etoalonic Devetopnter-t Ph: 570.896.8810 ~~ Fax 570836.8932 1964 Mary Grace lane .IohMlarw4 PA 15901 German Sneat Ph: 814-535.8668 Pawl CAice Bar 369 Far 8/4.53D-1888 Duelwre PA 18814 Ph: b70~9~28-9868 TabiMard 8srvtaas Inc. Fax: 5704x28.8144 535 East Maln Street 3ansrsst, PA 15501 931 Main Sneer Ph: 814.446-98QB Fbneedala, PA 18481 Ph: 800.452.01x6 Pk 570.253.8941 Fero 814-443+90 Faoc 570-2x3.4817 f 99 Edson Slre6t Yl7f~ CO-k[EY lkrforMOwn, PA 15401 Murk:an Fled Cro~ss•kiawrer G-aPlor Ph: 724.439-~39 b29 Carlfb Stroet l~fanovar, PA 17331 kxierra Co Carxntxiiy Acton Proprartt Pk 717-837-3788 827 Water Street Fax:-'717-8373294 Gorr 187 brdarrrl PA 167o0f Houah9 CarncY d Yolk Ph: 72t-486.245/ 118 North Gea'Be Street Fax 724-465-5118 York, PA 17401 Plt '717-854-1541 Mon•Vaisy Unemployed ComnWles Fax: 717.846-7934 120 E. 9° Averwe Flornestead, PA 15120 CCCS d Western Perx Inc. Ph: 412-482.8982 2000 Lkptestown Floed Fare 412-4629964 HardsbMB, PA 1711 Ph: 717frt1-1757 CredR (:aslsebrs d PA Fare: 717541-4670 401 wood shed sure 906 PNlabtxyfr, PA 15222 Ph: 412-338-9854 Pfi: 800737.29(13 Far 412398-9963 Adeerrs Caaxy tlorreirrp Amy 139.149 Gaihla Street Ge1rya01Np. PA 17323 Plt 717-394.1518 Fax 717334.8326 C(:GS d Weslan PonnsyNoiYa, krc. 812 Saws t3adpe Snout York. PA 17400 Ph: 717.84x4176 ACT 91 NOTICE DATE OF NOTICE: July 31, 2007 TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSiJRE THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE -USED FOR THE PURPOSE OF COLLECTING THE DEBT. This is an official notice that the 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 HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) 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 you when you meet with the Counseling A~encv. The name address and phone number of Consumer Credit Counseling Agencies serving ,your County aze listed at the end of this Notice If you have any questions you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397 tPersons with impaired hearing,, can call (717780-1869.) 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 any attorney in your area. The local baz association may be able to help you fmd a lawyer. La notificacion en adjunto es de soma importancia, pues afecta su derecho a continuaz viviendo en su casa. Si no comprende el contenido de esta notification obtenga una traduccion immediatamente llamanda esta agencia (Pennsylvania Housing Finance Agency) sin cazgos al numero mencionada arriba. Puedes ser elegible pars un prestamo por el programa llamado "Homeowner's Emergency Mortgage Assistance Program" el coal puede salvaz su casa de la perdida del derecho a redimir su hipoteca. Prepared by: GOLDBECK McCAFFERTY & McKEEVER Suite 5000 -Mellon Independence Center. 701 Market Street Philadelphia, PA 19106 Fax (215) 627-7734 HomeRetention@goldbecklaw.com Date: July 31, 2007 TO: ROBIN L. HESS Homeowners Name: STEVEN C. HESS and ROBIN L. HESS Property Address: 112 Milky Way, Shippensburg, PA 17257 Loan Account No.: 74308974 Original Lender: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., ACTING SOLELY AS A NOMINEE FOR FIDELITYH HOME MORTGAGE CORPORATION Current Lender/Servicer: COUNTRYWIDE HOME LOANS INC. HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM FORECLOSURE AND HELP YOU MAID FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: * IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, * IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND * IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE -Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with one of the designated consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT (3111 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 telephone numbers of designated consumer credit counseling.astencies for the county in which the nronertv is located are set 2 forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE -Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your fact-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION -Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED HY THE-FILING OF A PETCi`iON IN BANKRUPTCY, THE FOLLQWING FART OF THIS NOTICE IS~ FO~t INFORMA'~ION PURFClSES ONLY AND SHOULD NOT BE CONSIDERED ANS. AN ATTEMPT TO COLLECT THE DEBT. (If you have. flied bankruptey you cane still apply for Emer~eacy Mort~a~ As~ataace.) HOW TO CURE YOUR MORTGAGE DEFAULT (Brim it uo to date). NATURE OF THE.. DEFAULT -The MORTGAGE debt held by the above lender on your property located at: 1121VIilky Way, Shippensburg, PA 17257 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 3 (a) Monthly payment from 04/01/2007 thru 7/31/2007 (4 mos. at $1,399.00/month) $5,596.00 (b) Late charges from 04/01/2007 thru 7/31/2007 (4 mos. at $55.96/month) $223.84 (c) Other charges; Escrow, Inspec., NSF Checks (d) Other provisions of the mortgage obligation, if any (e) TOTAL AMOUNT REQUIRED AS OF THIS DATE: $5,819.84 HOW TO CURE THE DF~FAULT -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 $ 5.819.&4 ,PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cashier's check certified check or money order made payable and sent to: Attention: Act Letter Department COUNTRYWIDE HOME LOANS INC. c/o Goldbeck McCafferty & McKeever 701 Market Street Suite 5000 Philadelphia, PA 19106 HomeRetention@goldbecklaw. com 866-413-2311 IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the morteiae 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 voar mortaased property. IF THE MORTGAGE IS FORECLOSED UPON -The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender brings legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against. you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period. you will not be reauired to pay attorney's fees. OTHER LENDERREMEDIES -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 any time uu to one hour before the Sheriffs Sale. You may do so bypaying the total amount then pest due plus any late or other charges then due. reasonable attorney's fees and costs connected with the foreclosure sale and anv other costs connected with the Sheriffs Sale as specified in writing by the lender and bYperforming 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 earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately four (,4, to six (61 months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: COUNTRYWIDE HOME LOANS, INC. Address: 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 Phone Number: 800-669-4576 Work Out Department: 800-669-0102, 877-744-7691, 800-222-9944 Fax Number: 215-825-6441 Contact Person: HomeRetention@goldbecklaw.com EFFECT OF SHERIFF'S SALE -You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff s Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -You may sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. 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. Contact: HomeRetention@goldbecklaw.com Phone Number: 800-669-4576 Work Out Department: 800-669-0102, 877-744-7691, 800-222-9944 PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES CUMBERLAND COUNTY CCCS OF WESTERN PENNSYLVANIA INC. 2000 Linglestown Road Harrisburg, PA 17102 (717) 541-1757 URBAN LEAGUE OF METROPOLITAN HARRISBURG 2107 N. 6th Street Harrisburg, PA 17101 (717)234-5925 FAX (717) 234-9459 COMMUNITY ACTION COMM OF THE CAPITAL REGION 1514 Derry Street Harrisburg, PA 17104 (717)232-9757 FAX 234-2227 FINANCIAL COUNSELING SERVICES OF FRANKLIN 31 West 3rd Street Waynesboro, PA 17268 .:(717) 762-3285 YWCA OF CARLISLE 301 G Street Carlisle, PA 17013 (717)243-3818 FAX (717) 731-9589 ADAMS COUNTY HOUSING AUTHORITY 139-143 Carlisle Street Gettysburg, PA 17325 (717)334-1518 FAX (717) 334-8326 ~ ' 'F °-- ° ~ 'v 1 c ~, a +~ , . (J1 b .. °' n3 ~'- d., ,, ~ c.,rv~ SHERIFF'S RETURN - REGULAR CASE N0: 2007-05323 P ,.~- t COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND DEUTSCHE BANK NATIONAL TRUST VS HESS STEVEN C ET AL STEPHEN BENDER Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon HESS STEVEN C the DEFENDANT at 1115:00 HOURS, on the 7th day of September, 2007 at 112 MILKY WAY SHIPPENSBURG, PA 17257 by handing to ROBIN HESS, ADULT IN CHARGE 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 18.00 Service 19.20 Affidavit .00 Surcharge 10.00 7"__ q~t7/o~ 00 ~0 Sworn and Subscibed to before me this day So Answers R. Thomas Kline 7 09/11/2007 GOLDBECK MCCAFFERTY MCKEEVER By: eputy Sheriff of A.D. ., { SHERIFF'S RETURN - REGULAR CASE NO: 2007-05323 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND DEUTSCHE BANK NATIONAL TRUST VS HESS STEVEN C ET AL STEPHEN BENDER Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon HESS ROBIN the DEFENDANT at 1115:00 HOURS, on the 7th day of September, 2007 at 112 MILKY WAY SHIPPENSBURG, PA 17257 ROBIN HESS 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 6.00 .00 .00 10.00 00 ~l Sworn and Subscibed to before me this day So Answers: / i~ R. Thomas Kline 09/11/2007 GOLDBECK MCCAFFERTY MCKEEVER By ~ ~~%~ eputy Sheriff of A.D. In the Court of Common Pleas of Cumberland County DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 Plaintiff vs. STEVEN C. HESS ROBIN L. HESS (Mortgagor(s) and Record Owner(s)) 112 Milky Way Shippensburg, PA 17257 Defendant(s) PRAECIPE FOR JUDGMENT No. 07-5323 THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. Enter the Judgment in favor of Plaintiff and against STEVEN C. HESS and ROBIN L. HESS by default for want of an Answer. Assess damages as follows: Debt Interest from 10/18/07 to Date of Sale Total (Assessment of Damages attached) $201,916.99 I CERTIFY THAT FOREGOING ASSESSMENT OF DAMAGES IS FOR SPECIFIED AMOUNTS ALLEGED TO BE DUE IN THE COMPLAINT AND IS CALCULABLE AS A SUM CERTAIN FROM THE COMPLAINT. I certify that written notice of the intention to file this praecipe was mailed or delivered to the party against whom judgment is to be entered and to his attorney of record, if any, after the default occurred and at least ten days or to the date of the filing of this praecipe. A copy of the notice is attached. R.C.P. 237.1 ,~ Joseph A. Go d6ec 7r. Attorney for lainti I.D. #16132 AND NOW ~P ]r,~Q,~,~ oZ 2 ~ (9 0 ~ ,Judgment is entered in favor of DEUTSCHE BANK NA IONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X and against STEVEN C. HESS and ROBIN L. HESS by default for want of an Answer and damages assessed in the sum of $201,916.99 as per the above certification. `~ s /C r honotary ~„"" " t'S Rule of Civil Procedure No. 236 -Revised IN THE COURT OF COMMON PLEAS OF Cumberland COUNTY, PENNSYLVANIA CIVIL ACTION -LAW DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 Plaintiff VS. STEVEN C. HESS ROBIN L. HESS (Mortgagors and Record Owner(s)) 112 Milky Way Shippensburg, PA 17257 Defendant(s) No. 07-5323 THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. NOTICE Notice is given that a judgment in the above-captioned matter has been entered against you. Curt Long Prothonotary By: l~d~ Deputy If you have any questions concerning the above, please contact: Joseph A. Goldbeck, Jr. Galdbeck McCafferty & McKeever Suite 5000 -Mellon Independence Center 701 Market Street Philadelphia, PA 19106 215-627-1322 VERIFICATION OF NON-MILITARY SERVICE The undersigned, as the representative for the Plaintiff corporation within named do hereby verify that I am authorized to make this verification on behalf of the Plaintiff corporation and that the facts set forth in the foregoing verification of Non-Military Service are true and correct to the best of my knowledge, information and belief. I understand that false statements therein are made subject to penalties of 18 Pa. C.S. 4904 relating to unsworn falsification to authorities. 1. That the above named Defendant, STEVEN C. HESS, is about unknown years of age, that Defendant's last known residence is 112 Milky Way, Shippensburg, PA 17257, and is engaged in the unknown business located at unknown address. 2. That Defendant is not in the Military or Naval Service of the United States or its Allies, or otherwise within the provisions of the Soldiers' and Sailors' Civil Relief Action of Congress of 1940 and its Amendments. .~ J Date: ~ O O VERIFICATION OF NON-MILITARY SERVICE The undersigned, as the representative for the Plaintiff corporation within named do hereby verify that I am authorized to make this verification on behalf of the Plaintiff corporation and that the facts set forth in the foregoing verification of Non-Military Service are true and correct to the best of my knowledge, information and belief. I understand that false statements therein are made subject to penalties of 18 Pa. C.S. 4904 relating to unsworn falsification to authorities. 1. That the above named Defendant, ROBIN L. HESS, is about unknown years of age, that Defendant's last known residence is 112 Milky Way, Shippensburg, PA 17257, and is engaged in the unknown business located at unknown address. 2. That Defendant is not in the Military or Naval Service of the United States or its Allies, or otherwise within the provisions of the Soldiers' and Sailors' Civil Relief Action of Congress of 1940 and its Amendments. Date: fC CWD-7829 THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WII.L BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. DATE OF THIS NOTICE: September 28, 2007 TO: ROBIN L. HESS 112 Milky Way Sbippensburg, PA 17257 DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 vs. STEVEN C. HESS ROBIN L. HESS (Mortgagor(s) and Record Owner(s)) 112 Milky Way Shippensburg, PA 17257 TO: ROBIN L. HESS 112 Milky Way Shippensburg, PA 17257 Plaintiff Defendant(s) In the Court of Common Pleas of Cumberland County CNIL ACTION -LAW Action of Mortgage Foreclosure Term No. 07-5323 nV(PnRTANT NnTi(''F. YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH T'HE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN T`EN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IlvIPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, 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 HIltE 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 GOLDBECK McCAFFERTY & McKEEVER BY: Joseph A. Goldbeck, Jr., Esq. Attorney for Plaintiff Suite 5000 - 701 Market Street. Philadelphia, PA 19106 215-825-6318 CWD-7829 THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. DATE OF THIS NOTICE: September 28, 2007 TO: STEVEN C. HESS 112 Milky Way Shippensburg, PA 17257 DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 vs. STEVEN C. HESS ROBIN L. HESS (Mortgagor(s) and Record Owner(s)) 112 Milky Way Shippensburg, PA 17257 TO: STEVEN C. HESS 112 Milky Way Shippensburg, PA 17257 Plaintiff Defendant(s) In the Court of Common Pleas of Cumberland County CIVIL ACTION -LAW Action of Mortgage Foreclosure Term No. 07-5323 iMPnRTANT NnTiCF. YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WTTHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IlvIPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIl2ING 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 WC 8 Irvine Row Carlisle, PA 17013 717-243-9400 ~c~se~h~.~atdf~ec~.~.~ GOLDBECK McCAFFERTY & McKEEVER BY: Joseph A. Goldbeck, Jr., Esq. Attorney for Plaintiff Suite 5000 - 701 Market Street. Philadelphia, PA 19106 215-825-6318 GOLDBECK McCAFFERTY & McKEEVER BY: Joseph A. Goldbeck, Jr. Attorney I.D. #16132 Suite 5000 -Mellon Independence Center 701 Market Street Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 Plaintiff vs. IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION LAW STEVEN C. HESS ROBIN L. HE5S (Mortgagor(s) and Record owner(s)) 112 Milky Way Shippensburg, PA 17257 Defendants} ACTION OF MORTGAGE FORECLOSURE No. 07-5323 ORDER FOR JUDGMENT Please enter Judgment in favor of DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X, and against STEVEN C. HESS and ROBIN L. HESS for failure to file an Answer in the above action within (20) days (or sixty (60} days if defendant is the United States of America) from the date of service of the Complaint, in the sum of $201,916.x. ~ 1 Joseph A. Goldbec~ 7r Attorney for Plaint' f I hereby certify that the above names are correct and that the precise residence address of the judgment creditor is DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 and that the name(s) and last known address(es) of the Defendant(s) is/are STEVEN C. HESS, 112 Milky Way Shippensbur~ PA 17257 and ROBIN L. HESS, 112 Milky Way Shippensburg, PA 17257; n GOLDBECK c FER'T'Y & McKEEVER BY: Joseph . Gol eck, Jr. Attorney for P ' f ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly assess the damages in this case to be as follows: Principal Balance $183,990.00 Interest from 03/01/2007 through $6,985.43 10/17/2007 Reasonable Attorney's Fee $9,199.50 Late Charges $391.72 Costs of Suit and Title Search $900.00 Escrow Payments Due 2 X $225.17 $450.34 $201,916.99 GOLDBECK McCA3 BY: Joseph A. Goldb Attorney for Plaintiff AND NOW, this o7~-...( day of U~'E~`.. 2007 damages are assessed as above. 151 ~.~~ ~. ~.-~ Pro Prothy ~~ ~``~ •~ --- '`~ A .r -..._ ~ '~ -~, .Sy S.. «.. ~., d t R.S 1.1 d I .J R PRAECIPE FOR WRIT OF EXECUTION - (MORTGAGE FORECLOSURE) P.R.C.P 3180-3183 Joseph A. Goldbeck, Jr. Attorney I.D.#16132 Suite 5000 -Mellon Independence Center 701 Market Street Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 Plaintiff vs. IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION -LAW ACTION OF MORTGAGE FORECLOSURE STEVEN C. HESS ROBIN L. HESS Mortgagor(s) and Record Owner(s) 112 Milky Way Shippensburg, PA 17257 No. 07-5323 Defendant(s) PRAECIPE FOR WRIT OF EXECUTION TO THE PROTHONOTARY: Issue Writ of Execution in the above matter: Amount Due Interest from 10/18/07 to Date of Sale at 6.0000% $201,916.99 (Costs to be added) GOLDBECK Mc BY: Joseph A. G Attorney for Plai Jr. McKEEVER d ~~ N ~Q a E'' a 0 Z, ~ W Q E^" C~ N (~ d O M ~.r,U ~~~, z'~ ~ o~ ~W Z p~ ~ W W ~O ~ Ww xW ~~ ~~ w~ ~H r C ~ N ~ ~ ~ ~ ~ W x ~ 3 a N 7, ~ ~ x ~ '~ W Q ~ r N W ~' ~ ~ ~ ~ O H V W ~+ W a O ~ v 67 N U a 0 y O k WR U a ~ w ~-^~ y. .S G O ~~ d ~~ 0 ti ~. ~. ~ ~' ~U x ~ U ~ O `4 ~ °` c~ d r+ .`~ ~ N ~_ r Z O ,~? r+ ~ N ~ I ~ do a ~ O N ALL that certain tract of real estate situate in Southampton Township, Cumberland County, Pennsylvania, bounded and described as follows: BEGINNING at an iron pin to be lot at the northwestern corner of Lot No. 28; thence along the common line of Lot No. 28 and Lot No. 29 North 49 degrees 36 minutes 01 seconds East, 132.48 feet to an iron pin to be set at the northeastern corner of Lot No. 28; thence along Milky Way, South 38 degrees 46 minutes 47 seconds East, 81.03 feet to an iron pin to be set at the southeastern corner of Lot No. 28; thence along the common line of Lot No. 27 and Lot No 28 South 49 degrees 36 minutes O1 seconds West, 190.49 feet to an iron pin to be set at the southwestern corner of Lot No. 28; thence along the cowman line of Lot No. 28 and Lot No. 55 North 40 degrees 11 minutes 22 Seconds West, 81 feet to an iron pin to be set, being the point and place of BEGINNING. TAX PARCEL NO. 39-14-0169 PROPERTY ADDRESS: 112 MILKY WAY, SHIPPENSBURG, PA 17257 ~;.= ~ ~ ~ ~q ° ~~ ~ ~ r°~ ---~ --i S rr~ • ~ i • ~~r5 ~ ~ [~~ ~ ~ w ~J ~ o N ~~'"Fi q. ~T ~ ~''.~ '~ ~ ~ ~ ~ ~ ~ ~ ~ r- .~' ~~ a WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) N007-5323 Civil CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due Deutsche Bank National Trust Company as Trustee for Vendee Mortgage Trust 200X-X Plaintiff (s) From Steven C. Hess Robin L Hess 112 Milky Way Shippensburg, Pa. 17257 (1) You are directed to levy upon the property of the defendant (s)and to sell see legal description . (2) You are also directed to attach the property of the defendants} not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $201,916.99 Interest from 10/18/07 to Date of Sale at 6.0000% Atty's Comm °lo Atty Paid $182.20 Plaintiff Paid Date: October 22, 2007 (Seal) L.L.$0.50 Due Prothy $2.00 Other Costs S /'( urtis R. fLong, Protho/n~otary By: C ~ ~ (.r1 ~fc~~ Deputy REQUESTING PARTY: Name Joseph A. Goldbeck, Jr., Esq. Address: Suite 5000, 701 Market Street Philadelphia, Pa. 19106 Attorney for: Plaintiff Telephone: 215-627-1322 Supreme Court ID No. 16132 I r vs. Goldbeck McCafferty & McKeever BY_ Joseph A. Goldbeck, Jr. Attorney Y.D. #16132 Suite 5000 -Mellon Independence Center 701 Market Street Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 STEVEN C. HESS ROBIN L. HESS (Mortgagor(s) and Record Owner(s)) 112 Milky Way Shippensburg, PA 17257 No. 07-5323 Plaintiff Defendant(s) AFFIDAVIT PURSUANT TO RULE 3129 DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X, Plaintiff in the above action, by its attorney, Joseph A. Goldbeck, Jr., Esquire, sets forth as of the date the praecipe for the writ of execution was filed the following information concerning the real property located at: 112 Milky Way Shippensburg, PA 17257 1.Name and address of Owner(s) or Reputed Owner(s): STEVEN C. HESS 112 Milky Way Shippensburg, PA 17257 ROBIN L. HESS 112 Milky Way Shippensburg, PA 17257 2. Name and address of Defendant(s) in the judgment: STEVEN C. HESS 112 Milky Way Shippensburg, PA 17257 ROBIN L. HESS 112 Milky Way Shippensburg, PA 17257 3. Name and last known address of every judgment creditor whose judgment is a record lien on the property to be sold: PA DEPARTMENT OF PUBLIC WELFARE -Bureau of Child Support Enforcement Health and Welfare Bldg. -Room 432 P.O. Box 2675 IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION -LAW ACTION OF MORTGAGE FORECLOSURE Harrisburg, PA 17105-2675 d DOMESTIC RELATIONS OF CUMBERLAND COUNTY PO Box 320 Carlisle, PA 17013 JAMES COSTOPOULOS **AWAITING ADDRESS** Mortgage Electronic Registration Systems, Inc. 8201 Greensboro Drive Suite 350 McLean, VA 22102 Mortgage Electronic Registration Systems, Inc. c/o Francis S. Hallman, Esquire 1617 JFK Boulevard, Suite 1400 Philadelphia, PA 19103 Cumberland-Franklin Joint Municipal Authority 725 Municipal Drive Shippensburg, PA 17257 Cumberland-Franklin Joint Municipal Authority c/o Richard Koch 28 S Pitt Street Carlisle, PA 17013 4. Name and address of the last recorded holder of every mortgage of record: 5. Name and address of every other person who has any record interest in or record lien on the property and whose interest maybe affected by the sale: 6. Name and address of every other person of whom the plaintiff has knowledge who has any record interest in the property which maybe affected by the sale. 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which maybe affected by the sale. TENANTS/OCCUPANTS 112 Milky Way Shippensburg, PA 17257 (attach separate sheet if more space is needed) I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. DATED: October 18, 2007 GOLDBECK McC~F TY~& McKEEVER BY: Joseph A. G dbec 3r., Esq. Attorney for Plain C"3 ~ C ~' _ ~. ~ F ~'~_, ~.., ~ ---~ _ " ~ ~~ 7 ~'' tJ ` ro~.~i ~ ~ may. 1 ~ ~ ~~ ~.. ~ ..-. S:} ~~ .. 07-5323 GOLDBECK McCAFFERTY & McKEEVER BY: Joseph A. Goldbeck, Jr. Attorney I.D.#16132 Suite 5000- Mellon Independence Center 701 Market Street Philadelphia, PA 19106 215-825-6318 Attorney for Plaintiff DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 Plaintiff IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION -LAW vs. STEVEN C. HESS ROBIN L. HESS Mortgagor{s) and Record Owners} 112 Milky Way Shippensburg, PA 17257 Defendants Term No. 07-5323 THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: HE55, ROBIN ROBIN L. HESS 112 Milky Way Shippensburg, PA 17257 Your house at 112 Milky Way, Shippensburg, PA 17257 is scheduled to be sold at Sheriffs Sale on Wednesday, March O5, 2008, at 10:00 AM, in Commissioners Hearing Rm 2nd FL Courthouse to enforce the court judgment of $201,916.99 obtained by DEUTSCHE BANK NA"fIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X against you. NOTICE OF OWNER'S RIGHTS YOU MAYBE ABLE TO PREVENT THIS SHERIFF'S SALE ACTION OF MORTGAGE FORECLOSURE To prevent this Sheriffs Sale you must take immediate action: 07-5323 1. The sale will be cancelled if you pay to DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X, the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay call our office at 215-825-6329 or 1- 866-413-2311 and 2. You maybe able to stop the sale by filing a petition asking the Court to strike or open judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice below on how to obtain an attorney). YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES NOT TAKE PLACE. 1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid price by calling the Sheriff of 717-240-6390. 2. You maybe able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call the Sheriff of 717-240-6390. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within thirty (30) days from the date of the Sheriffs Sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the schedule of distribution is filed. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717-243-9400 r r 07-5323 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(a~goidbecklaw.com. Call Judy at 215-$25-6329 or fax 215-825-6429. The figure and/or package you requested will be mailed to the address that you request or faxed if you leave a message with that information. The attorney in charge of our firm's Homeowner Retention Department is David Fein who can be reached at 215-825-6318 or Fax: 215-825-6418. Please reference our Attorney File Number of CWD-7829. Para informacion en espanol puede communicarse con Loretta al 215-825-6344. c_ ° "r' ~.~ --r. ;: ~;; c~ ~ ~ ,,-?~, ' ~-a r ~ ..~ - T~3 -C7 <3 ;~ ` ' - ~ + ' ' ~ r~ -~ ~ " 6 `r I i .. f 07-5323 GOLDBECK McCAFFERTY & McKEEVER BY: Joseph A. Goldbeck, Jr. Attorney LD.#16132 Suite 5000- Mellon Independence Center 701 Market Street Philadelphia, PA 19106 215-825-6318 Attorney for Plaintiff IN THE COURT OF COMMON PLEAS of Cumberland County DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 CIVIL ACTION -LAW Plaintiff ACTION OF MORTGAGE FORECLOSURE vs. STEVEN C. HESS ROBIN L. HESS Mortgagor(s) and Record Owner(s) 112 Milky Way Shippensburg, PA 17257 Defendants Term No. 07-5323 THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: HESS, STF,VEN STEVEN C. HESS 112 Milky Way Shippensburg, PA 17257 Your house at 112 Milky Way, Shippensburg, PA 17257 is scheduled to be sold at Sheriffs Sale on Wednesday, March O5, 2008, at 10:00 AM, in Commissioners Hearing Rm 2nd FL Courthouse to enforce the court judgment of $201,916.99 obtained by DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: ,, r' 07-5323 1. The sale will be cancelled if you pay to DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X, the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay call our office at 215-825-6329 or 1- 86b-413-2311 and 2. You may be able to stop the sale by filing a petition asking the Court to strike or open judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice below on how to obtain an attorney). YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES NOT TAKE PLACE. 1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid price by calling the Sheriff of 717-240-6390. 2. You maybe able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call the Sheriff of 717-240-6390. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You maybe entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within thirty (30) days from the date of the Sheriffs Sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the schedule ofdistribution is filed. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717-243-9400 07-5323 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 may be 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~ic ,goldbecklaw.com. Call Judy at 215-825-6329 or fax 215-825-6429. The figure and/or package you requested will be mailed to the address that you request or faxed if you leave a message with that information. The attorney in charge of our firm's Homeowner Retention Department is David Fein who can be reached at 215-825-6318 or Fax: 215-825-6418. Please reference our Attorney File Number of CWD-7829. Para information en espanol puede communicarse con Loretta a1215-825-6344. C7 ~ ~ ~~ __., ~~ ;r ~_ f ~_ ~; - C '~ ~ cc:aa-.~ _ ` Y ~ ~-- .~ _~ r GOLDBECK McCAFFERTY & McKEEVER BY: Joseph A Goldbeck, Jr. Attorney LD.#16132 Suite 5000 -Mellon Independence Center 701 Market Street Philadelphia, PA 19106-1532 215-627-1322 CWD-7829 CF: 09/05/2007 SD: 03/05/2008 $201,916.99 DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 . Plaintiff vs. STEVEN C. HESS ROBIN L. HESS Mortgagor(s) and Record Owner(s) 112 Millcy Way Shippensburg, PA 17257 Defendant(s) CERTIFICATE OF SERVICE PURSUANT TO Pa.R.C.P. 3129.2 (c) (2) Term No. 07-5323 Joseph A. Goldbeck, Jr., Esquire, Attorney for Plaintiff, hereby certifies that service on the Defendants of the Notice of Sheriff Sale was made by: ~ ~s.p. ~~-~3\cA- ~ t-y-off , Personal Service by the Sheriffs Office/ ( ) Certified mail by Joseph A. Goldbeck, Jr. (original green Postal return receipt attached). ( ) Certified mail by Sheriffs Office. ( ) Ordinary mail by Joseph A. Goldbeck, Jr., Esquire to Attorney for Defendant(s) of record (proof of mailing attached). ( ) Acknowledgment of Sheriffs Sale by Attorney for Defendant(s) (proof of acknowledgment attached). ( ) Ordinary mail by Sheriffs Office to Attorney for Defendant(s) of record. IF SERVICE WAS ACCOMPLISHED BY COURT ORDER ( ) Premises was posted by Sheriffs Office/competent adult (copy of return attached). ( ) Certified Mail & ordinary mail by Sheriffs Office (copy of return attached). ( ) Certified Mail & ordinary mail by Joseph A. Goldbeck, Jr. (original receipt(s) for Certified Mail attached). Pursuant to the Affidavit under Rule 3129 (copy attached), service on all lienholders (if any) has been made by ordinary mail by Joseph A. Goldbeck, Jr., Esquire (copies of proofs of mailing attached). The undersigned understands that the statements herein are subject to the penalties provided by 18 P.S. Section 4904. IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION -LAW ACTION OF MORTGAGE FORECLOSURE Res ectfully submitted, r ~ moo, Q- ~r.he ~~~_~ B .Joseph A. Goldbeck, Jr. Attorney for Plaintiff ~i ~ ~ 0 ~$ ~~ I i y LL (~ ~i O o0 I ~°., d, ~ .m N o~g ~~ ~ 1 m ~ , ~ - ~ ~`bI t~ °~~ y' ~ ~N~~ ~ r ~ ,.~ ~ ~ . r NO ~ ~ ' Q~j~ 0 0 ~ V • m ~ p~ -~ ~° ~-~~, ~ ~~~~ ~~ ~~ `. °~ ~ ~ o ~ ~ ~ ~ ~ "S ~ a °~ p. $ i° ~ ~~ j c c o ~ c ~~ ~ ~ ~ ~ ~ ~~ $ 3~ ~ Cl~~~ ~ hoc LLO .~~ ~ ~'P3 ~ ~ ~ ti ~ ~~ z ~''m ~w~ ~ s z N }0-~~ ~ `,.~ ~_p ~~A Yap g o' Q $ ~ Z~~ ~ o ~ ~ 2 m ~fl ~ p ~ U a.a E ~ _ ~Uva U ND. w ~ _ W'tiY c.~1 ~~N ~~'~ ~ m ° o o c x ~"" '~ m c LL c R a OOOD O ~_~ ~oO~ = too u'~ _ ~N ~ pm ~^t ~ ~ E W Z . N ~~ ° H ~ ~°~~ W~p~WiA QG~ ~C7dl1~~--~~ r tV M 'r ~ ~ ~ a ~' a ~~ 8 Z c g c s a o° N 0 m m N w v ~ '~ W S 5 c = ~ ~ ~, U Z ~ z ~ ~ m0 °o .-' a, N ~ ~ ~ ~ ~ U a ~ ~ N V ~' ~ o w ~ U ~ co a ~~ __ .- og Q. LL Z N LL ~ o o ." ~ ~--.,. ~ /~, 0 ~N ~ r } ~ ~ t ~_ t fi ~rn W r! m N _ '1 i 0. ~ 1~~ N ~ r ~~~~~ ~° ,c~ ~a.~ ~. LL 1~ C ~ ~ V ~ ~ m 6 d o ,~ 0 0 1S N 03tMt1 Q W a ~ . ~~ ~ ~ _ aw~ E ~8• u~i ~ a `00 $ X y~~ ~~ ¢~~~ao LL c ~ ~~ $ G V ~ y4Y~~ }S ~ R etf ~ ~ ~ K (q _ ^^^^ ~ ~ Ow ~° y e ~ `o . ~~ ~ a ~ ~ p ~ ~ ;a H ~p z c v~~ UQ.~ a -Qi~U a 5~ ~a ~ z' ~ W ~~ W Q s ~a y Na ~YOWdN a gW~YW~ ~' z0~~~~ ° ~ `- N M ~ i ci cc r~ d ~~ t9 u~ a a c m d c d 00 O C w m a v o N O M O G: ca N a ~ W ~ _ ~ U ~ 16 Z a ~ m o ~ O N d ~ l0 C ~ U ~ ti W U i i a~NO Z W ii ~ W nom. U ~ GOLDBECK McCAFFERTY & McKEEVER BY: Joseph A. Goldbeck, Jr. Attorney I.D.#16132 Suite 5000 -Mellon Independence Center 701 Market Street Philadelphia, PA 19106-1532 215-627-1322 Attorney for Plaintiff DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 Plaintiff vs. STEVEN C. HESS ROBIN L. HESS Mortgagor(s) and Record Owner(s) 112 Milky Way Shippensburg, PA 17257 Defendant(s) IN THE COURT OF COMMON PLEAS of Cumberland County CNIL ACTION -LAW ACTION OF MORTGAGE FORECLOSURE Term No. 07-5323 SUPPLEMENTAL AFFIDAVIT PURSUANT TO RULE 3129 DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X, Plaintiff in the above action, by its attorney, Joseph A. Goldbeck, Jr., Esquire, sets forth as of the date the praecipe for the writ of execution was filed the following information concerning the real property located at: 112 Millcy Way Shippensburg, PA 17257 1.Name and address of Owner(s) or Reputed Owner(s): STEVEN C. HESS 112 Milky Way Shippensburg, PA 17257 ROBIN L. HESS 112 Milky Way Shippensburg, PA 1725? 2. Name and address of Defendant(s) in the judgment: STEVEN C. HESS 112 Milky Way Shippensburg,PA 17257 ROBIN L. HESS 112 Milky Way Shippensburg, PA 17257 1 3. Name and last known address of every judgment creditor whose judgment is a record lien on the property to be sold: JAMES COSTOPOULOS 13 S. HANOVER STREET CARLISLE, PA 17013. PA DEPARTMENT OF PUBLIC WELFARE -Bureau of Child Support Enforcement Health and Welfaze Bldg. -Room 432 P.O. Box 2675 Harrisburg, PA 17105-2675 Mortgage Electronic Registration Systems, Inc. $201 Greensboro Dnive Suite 350 McLean, VA 22102 Mortgage Electronic Registration Systems, Inc. c/o Francis S. Hallman, Esquire 1617 JFK Boulevard, Suite 1400 Philadelphia, PA 19103 DOMESTIC RELATIONS OF CUMBERLAND COUNTY PO Box 320 Cazlisle, PA 17013 Cumberland-Franklin Joint Municipal Authority 725 Municipal Drive Shippensburg, PA 1725? Cumberland-Franklin Joint Municipal Authority c% Richard Koch 28 S Pitt Street Carlisle, PA 17013 4. Name and address of the last recorded holder of every mortgage of record: 5. Name and address of every other person who has any record interest in or record lien on the property and whose interest maybe affected by the sale: b. Name and address of every other person of whom the plaintiff has knowledge who has any record interest in the property which maybe affected by the sale. 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale. TENANTS/OCCUPANTS 112 Milky Way Shippensburg, PA 1725? (attach separate sheet if more space is needed) I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. DATED: January 29, 2008 G DBECK cCAFFERTY & McKEEVER BY: Joseph A. Goldbeck, Jr., Esq. Attorney for Plaintiff C ~ ry ~'r ,` *_~ ~' r j ,: : CT ~ C.a .~ " Deutsche Bank National Trust Company, as In the Court of Common Pleas of Trustee for Vendee Mortgage Trust 200X-X Cumberland County, Pennsylvania VS Writ No. 2007-5323 Civil Term Steven C. Hess and Robin L. Hess R. Thomas Kline, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant, to wit: Steven C. Hess, but was unable to locate him in his bailiwick. He therefore deputized the Sheriff of Dauphin County, Pennsylvania to serve the within Real Estate Writ, Notice of Sheriffs Sale, and Description in the above entitled action according to law. Dauphin County return: And Now, January 04, 2008 at 0956 hrs served the within Real Estate Writ, Notice of Sheriffs Sale and Description upon the within named defendant, to wit: Steven C. Hess, by making known unto Holly Freireich, adult sister of Steven C. Hess at 9896 Jonestown Road, Grantville, PA its contents and at the same time handing her a true and correct copy of the same. So answers: J.R. Lotwick, Sheriff of Dauphin County, Pennsylvania. David McKinney, Deputy Sheriff, who being duly sworn according to law, states that on December 03, 2007 at 1949 hours, he served a true copy of the within Real Estate Writ, Notice and Description, in the above entitled action, upon the within named defendant, to wit: Robin L. Hess, by making known unto Robin Hess, personally, at 112 Milky Way, Shippensburg, Cumberland County, Pennsylvania its contents and at the same time handing to her personally the said true and correct copies of the same. Noah Cline, Deputy Sheriff, who being duly sworn according to law, states that on January 10, 2008 at 1005 hours, he posted a true copy of the within Real Estate Writ, Notice, Poster and Description, in the above entitled action, upon the property of Steven C. Hess and Robin L. Hess located at 112 Milky Way, Shippensburg, Cumberland County, Pennsylvania according to law. R. Thomas Kline, Sheriff, who being duly sworn according to law, states he served the above Real Estate Writ, Notice, Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action to the within named defendants, to wit: Steven C. Hess and Robin L. Hess by regular mail to their last known addresses of 9896 Jonestown Road, Grantville, PA and 112 Milky Way, Shippensburg, PA 17257, respectively. These letters were mailed under the date of January 28, 2008 and January 08, 2008 and never returned to the Sheriff s Office. R. Thomas Kline, Sheriff, who being duly sworn according to law, states this writ is returned STAYED per letter of request from Attorney Joseph Goldbeck. Sheriff s Costs: Docketing 30.00 Poundage 17.55 Advertising 15.00 Posting Bills 15.00 Law Library .50 Prothonotary 2.00 Mileage 36.48 Levy 15.00 Surcharge 30.00 Out of County 9.00 Dauphin County 37.25 Postpone Sale 20.00 Law Journal 355.00 Patriot News 296.12 Share of Bills 16.17 (~ $895.07 / ~~1.3~b b' ~„`. ~ ~~" ~ ~~~ S ~ ~,y Q ~ z. .SQ ~ er ,,~ R. Thomas Kline, Sheriff --, y B~ ` ~~ - _ Real Estat ergeant r 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 Attorney for Plaintiff DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 Plaintiff vs. STEVEN C. HESS ROBIN L. HESS (Mortgagor(s) and Record Owner(s)) 112 Milky Way Shippensburg, PA 17257 Defendants} IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION -LAW ACTION OF MORTGAGE FORECLOSURE No. 07-5323 AFFIDAVIT PURSUANT TO RULE 3129 DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X, Plaintiff in the above action, by its attorney, Joseph A. Goldbeck, Jr., Esquire, sets forth as of the date the praecipe for the writ of execution was filed the following information concerning the real property located at: 112 Milky Way Shippensburg, PA 17257 1.Name and address of Owner(s) or Reputed Owner(s): STEVEN C. HESS 112 Milky VVay Shippensburg, PA 17257 ROBIN L. HESS 112 Milky Way Shippensburg, PA 17257 2. Name and address of Defendant(s) in the judgment: STEVEN C. HESS 112 Milky Way Shippensburg, PA 17257 ROBIN L. HESS 112 Milky Way Shippensburg, PA 17257 3. Name and last known address of every judgment creditor whose judgment is a record lien on the property to be sold: PA DEPAR"fMENT OF PUBLIC WELFARE -Bureau of Child Support Enforcement Health and Welfare Bldg. -Room 432 P.O. Box 2675 Harrisburg, PA 17105-2675 DOMESTIC RELATIONS OF CUMBERLAND COUNTY PO Box 320 `Carlisle, PA 17013 JAMES COSTOPOULOS **AWAITING ADDRESS** Mortgage Electronic Registration Systems, Inc. 8201 Greensboro Drive Suite 350 McLean, VA 22102 Mortgage Electronic Registration Systems, Inc. c/o Francis S. Hallinan, Esquire 1617 JFK Boulevard, Suite 1400 Philadelphia, PA 19103 Cumberland-Franklin Joint Municipal Authority 725 Municipal Drive Shippensburg, PA 17257 Cumberland-Franklin Joint Municipal Authority c/o Richard Koch 28 S Pitt Street Carlisle, PA 17013 4. Name and address of the last recorded holder of every mortgage of record: 5. Name and address of every other person who has any record interest in or record lien on the property and whose interest may be affected by the sale: 6. Name and address of every other person of whom the plaintiff has knowledge who has any record interest in the property which maybe affected by the sale. 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which maybe affected by the sale. TENANTS/OCCUPANTS 112 Milky Way Shippensburg, PA 17257 (attach separate sheet if more space is needed) I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false staterents herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. n DATED: October 18, 2007 GOLDBECK McC~`F ~TY~& McKEEVF.,R BY: Joseph A. G dbec Jr., Esq. Attorney for Plain ' 07-5323 GOLDBECK McCAFFERTY & McKEEVER BY: Joseph A. G5ldbeck, Jr. Attorney I.D.#16132 Suite 5000- Mellon Independence Center 701 Market Street Philadelphia, PA 19106 215-825-6318 Attorney for Plaintiff DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION -LAW Plaintiff vs. STEVEN C. HESS ROBIN L. HESS Mortgagor(s) and Record Owner(s) ACTION OF MORTGAGE FORECLOSURE 112 Milky Way Shippensburg, PA 17257 Defendants Term No. 07-5323 THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: HESS, ROBIN ROBIN L. HESS 112 Milky Way Shippensburg, PA 17257 Your house at 112 Milky Way, Shippensburg, PA 17257 is scheduled to be sold at Sheriffs Sale on Wednesday, March O5, 2008, at 10:00 AM, in Commissioners Hearing Rm 2nd FL Courthouse to enforce the court judgment of $201,916.99 obtained by DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 07-5323 1. The sale will be cancelled if you pay to DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X, the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay call our office at 215-825-6329 or 1- 866-413-2311 and 2. You may be able to stop the sale by filing a petition asking the Court to strike or open judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice below on how to obtain an attorney). YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES NOT TAKE PLACE. 1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid price by calling the Sheriff of 717-240-6390. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call the Sheriff of 717-240-6390. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within thirty (30) days from the date of the Sheriffs Sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the schedule of distribution is filed. r 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717-243-9400 07-5323 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(cr~~;oldbecklaw.com. Call Judy at 215-825-6329 or fax 215-825-6429. The figure and/or package you requested will be mailed to the address that you request or faxed if you leave a message with that information. The attorney in charge of our firm's Homeowner Retention Department is David Fein who can be reached at 215-825-6318 or Fax: 215-825-6418. Please reference our Attorney File Number of CWD-7829. Para informacion en espanol puede communicarse con Loretta a1215-825-6344. 07-5323 GOLDBECK McCAFFERTY & McKEEVER BY: Joseph A. Goldbeck, Jr. Attorney I.D.#16132 Suite 5000- Mellon Independence Center 701 Market Street Philadelphia, PA 19106 215-825-6318 Attorney for Plaintiff DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X 7105 Corporate Drive PTX B-3~ Plano, TX 75024-3632 Plaintiff IN THE COURT OF COMMON PLEAS of Cumberland County CNIL ACTION -LAW vs. STEVEN C. HESS ROBIN L. HESS Mortgagor(s) and Record Owner(s) 112 Milky Way Shippensburg, PA 17257 Defendants; Term No. 07-5323 THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: HESS, STEVEN STEVEN C. HESS 112 Milky Way Shippensburg, PA 17257 Your house at 112 Milky Way, Shippensburg, PA 17257 is scheduled to be sold at Sheriffs Sale on Wednesday, March O5, 2008, at 10:00 AM, in Commissioners Hearing Rm 2nd FL Courthouse to enforce the court judgment of $201,916.99 obtained by DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X against you. NOTICE OF OWNER'S RIGHTS YOU MAYBE ABLE TO PREVENT THIS SHERIFF'S SALE ACTION OF MORTGAGE FORECLOSURE To prevent this Sheriffs Sale you must take immediate action: 07-5323 ] . The sale will be cancelled if you pay to DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X, the back payments, late charges, costs and reasonable attorney's fees due. To fmd out how much you must pay call our office at 215-825-6329 or 1- 866-413-2311 and 2. You maybe able to stop the sale by filing a petition asking the Court to strike or open judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice below on how to obtain an attorney). YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES NOT TAKE PLACE. 1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid price by calling the Sheriff of 717-240-6390. 2. You maybe able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call the Sheriff of 717-240-6390. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within thirty (30) days from the date of the Sheriffs Sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (1 O} days after the schedule of distribution is filed. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717-243-9400 07-5323 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 1-800-9$9-2227 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. S). 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 homeretentionna,goldbecklaw.com. Call Judy at 215-825-6329 or fax 21 S-82S-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 21 S-82S-6318 or Fax: 215-825-6418. Please reference our Attorney File Number of CWD-7829. Para informacion en espanol puede communicarse con Loretta a121 S-82S-6344. ALL that certain tract of real estate situate in Southampton Township, Cumberland County, Pennsylvania, bounded and described as follows: BEGINNING at an iron pin to be lot at the northwestern corner of Lot No. 28; thence along the common line of Lot No. 28 and Lot No. 29 North 49 degrees 36 minutes O1 seconds East, 132.48 feet to an iron pin to be set at the northeastern corner of Lot No. 28; thence along Milky Way, South 38 degrees 46 minutes 47 seconds East, 81.03 feet to an iron pin to be set at the southeastern corner of Lot No. 28; thence along the common line of Lot No. 27 and Lot No 28 South 49 degrees 36 minutes O1 seconds West, 190.49 feet to an iron pin to be set at the southwestern corner of Lot No. 28; thence along the common line of Lot No. 28 and Lot No. 55 North 40 degrees 11 minutes 22 Seconds West, 81 feet to an iron pin to be set, being the point and place of BEGINNING. TAX PARCEL NO. 39-14-0169 PROPERTY ADDRESS: 112 MILKY WAY, SHIPPENSBURG, PA 17257 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) N007-5323 Civil CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due Deutsche Bank National Trust Company as Trustee for Vendee Mortgage Trust 200X-X Plaintiff (s) From Steven C. Hess Robin L Hess 112 Milky Way Shippensburg, Pa. 17257 (1} You are directed to levy upon the property of the defendant (s)and to sell see legal description . (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $201,916.99 L.L.$0.50 Interest from 10/18/07 to Date of Sale at 6.0000% Atty's Comm Atty Paid $182.20 Plaintiff Paid Due Prothy $2.00 Other Costs Date: October 22, 2007 (Seal) REQUESTING PARTY: Name Joseph A. Goldbeck, Jr., Esq. Address: Suite 5000, 701 Market Street Philadelphia, Pa. 19106 Attorney for; Plaintiff Telephone: 215-627-1322 s s R. Long, Prothonotary ~, ~.. ' By: ~. ~,~,~ Q h~. Deputy Supreme Court ID No. 16132 Real Estate Sale # 19 On October 31, 2007 the Sheriff levied upon the defendant's interest in the real property situated in Southampton Township, Cumberland County, PA Known and numbered as 112 Milky Way, Shippensburg, more fully described on Exhibit "A" ~=" filed with this writ and by this reference incorporated herein. Date: October 31, 2007 B `fin ~.~ Real Est a Sergeant '+ ° T'~e Patriot-News Co. 812 Market St. Harrisburg, PA 17101 Inquiries - 717-255-8292 CUMBERLAND COUNTY SHERIFFS OF CUMBERLAND COUNTY COURT HOUSE CARLISLE PA 17013 c~e~lahiot 1~ews NOw you know THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} ss Joseph A. Dennison, being duly sworn according to law, deposes and says: That he is the Assistant Controller of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The Patriot-News and The Sunday Patriot-News newspapers of general circulation, printed and published at 812 to 818 Market Street, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/ Metro editions which appeared on the date(s) indicated below. That neither he nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That he has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book "M", Volume 14, Page 317. PUBLICATION COPY This ad ran on the dates} shown below: 01 /30108 02/06/08 02/13/08 Sworn to and~dscribed before me thya'~5,d,~yi6f~ebruary, 2008 A.D. Notary Public COMMONWEALTH OF PFt~~~,SYL';A!d' a Shortie L. Kisser, ,~ ,:~,~; 3~'t~blc C•ilyOf Hartisburet, r...„r,,~st Courtly ~Gorrttrtissior =~'+G`'°r^~ Ncw. 26, 2011 Member, PennsyP~asria ?~,~°,n~n;~,;on of Notaries REAL ESTATE SALE N0.19 WrR No. 2007-5323 Civil Tenn Deutsche Bank NatlonalTrust G~trnpany, asTnistee for Vendee Mortgage Trust 200X-X VS Steven C. Hess and Robin L. Hess Attorney Joseph Goldbeck DESCRIPTION ALL that certain tract of real estate situate in Southampton Township, Cumberland Canty, Pennsylvania, banded and described as follows: BEGINNING at an iron pin to be lot at the northwestern comer of Lot No. 28; thence along the common line of Lot No. 28 and La No. 29 North 49 degrees 36 minutes Ol seconds East, 132.48 feet to an iron pin to be set at the northeastern comer of Lot No. 28; thence along Milky Way, South 38 degrees 46 minutes 47 seconds East, 81.03 feet to an iron pin to be set at the southeastern comer of Lot No. 28; thence along the common line of Lot No. 27 and Lot No 28 South 49 degrees 36 minutes OI seconds West, 190.49 feet to an iron pin to be set at ibe a;c,~hwestern comet of Lot No. ZS; thence along the common line of Lot No. 28 and Lot No. 55 North 40 degees 11 minutes 22 Seconds West, BI felt ro an iron pin to be set, being the point anU place of BEGINNING. TAX PARCEL N0.39-14-0169 PROPERTY ADDRESS: 112 MII.KY WAY, S}IIPPENSBURG, PA ] 7257 PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND ss. Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz: _ January 25, February 1 and February 8, 2008 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. ( Lisa Marie Coyne,~ditor SWORN TO AND SUBSCRIBED before me this 8 day of Februarv, 2408 w Notary NOTARIAL SEAL DE80RAH A COLLINS Notary Public CARLISLE BORO, CUMBERLANp COUNTY My Commission Expires Apr 28, 2010 R1~I1L ~/'TA'Y~ i,AL$1t0. 19 Writ No. 2007-5323 Civil Deutsche Bank National Trust Company, as Trustee for Vendee Mortgage Trust 200X-X vs. Steven C. Hess and Robin L, Hess Atty.: Joseph Goldbeck DESCRIPTION ALL that certain tract of real estate situate in Southampton Township, Cumberland County, Pennsylvania, bounded and described as follows: BEGINNING at an iron pin to be lot at the northwestern corner of Lot No. 28; thence along the common line of Lot No. 28 and Lot No. 29 North 49 degrees 36 minutes O 1 seconds East, 132.48 feet to an iron pin to be set at the northeastern corner of Lot No. 28; thence along Milky Way, South 38 degrees 46 minutes 47 seconds East, 81.03 feet to an iron pin to be set at the southeastern corner of Lot No. 28; thence along the common line of Lot No. 27 and Lot No 28 South 49 degrees 36 minutes O1 seconds West, 190.49 fcet to an iron pin to be set at the southwestern corner of Lot No. 28; thence along the com- mon line of Lot No. 28 and Lot No. 55 North 40 degrees 11 minutes 22 Seconds West, 81 feet to an iron pin to be set, being the point and place of BEGINNING. TAX PARCEL NO. 39-14-0169. PROPERTY ADDRESS: 112 MILKY WAY, SHIPPENSBURG, PA 17257. e PRAECIPE FOR WRIT OF EXECUTION - (MORTGAGE FORECLOSURE) P.R.C.P 3180-3183 Micthael T. McKeever Attorney LD.#56129 Suite 5000 -Mellon Independence Center 701 Market Street Philadelphia, PA 19106-1532 215-627-1322 Attorney for Plaintiff DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 Plaintiff vs. IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION -LAW ACTION OF MORTGAGE FORECLOSURE STEVEN C. HESS ROBIN L. HESS Mortgagor(s) and Record Owner(s) 112 Milky Way Shippensburg, PA 17257 No. 07-5323 Defendant(s) PRAECIPE FOR WRIT OF EXECUTION TO THE PROTHONOTARY: Issue Writ of Execution in the above matter: Amount Due Interest from 10/l 8/2007 to Date of Sale per diem at $30.24 $201,916.99 (Costs to be added) ~. ~ ~~~~~ ~ ~ GOLDBECK McCAFFERTY & McKEEVER BY: Michael T. McKeever Attorney for Plaintiff ~. v y v obi .~,,,,//~ '~ ~ '~ y U N +•f; U ~ - ~ o ~ r u ~ ~` ~~ w ~' ° ~ ~ `~ ] C~~ Q~l ~ o ~ ~ ~ -p ~ ~ ~ Y ~ ~ ~ o .~ v ~ ~ ~A~ N , / ~ ~ O ~ O M ~ ~ Y ~ ~ ~ ~ ~"' d v `~' ~ ~ y ~ r ~ O ~ ~ 7 1 ~ ~ U Z, ~ '~' 9 ~ ~ ~ O ,. 'O O O-+ i F.. o O O W 7 CG p r ~' O~ ~ o ,~ a' '~ ~ N ~ ~ W t ~ ~7 0 U d. ,~ ~ ~ m~ ~ x ~~ ~- ~ w~ p~ V ~ 00 .__ l,. ` ~ ,p ~ r_ Cj ' k_ ~~.. _ ~ 4. O ~ C cr' 4 ~ r +b 4 ~~ O ~ ~ ~ ~: : ''" " t~ '.. ` c ~ ~,.~. ~ ~. i5 ~ ~, -- ~ f1 ~~3 O C3.-. ~ ~~ ~ ;_i aL -3' C ,S C ~ ~yrr ~ '? ~ ,~ t""• fy^ ;, CT" a7 p (.1_ C"~ ~~ IN THE UNITED STATES BANKRUPTCY COURT FOR THE MIDDLE DISTRICT OF PENNSYLVANIA IN RE: STEVEN CHARLES HESS ROBIN LARUE HESS f/k/a ROBIN L. NESTOR CHAPTER 13 Debtor(s) DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X v. STEVEN CHARLES HESS ROBIN LARUE HESS f/k/a ROBIN L. NESTOR and CHARLES J. DENARY, III ESQ. Trustee CASE NO. 1-08-bk-00759/RNO ORDER Upon Consideration of the Certification of Default filed by the Moving Party in accordance with the Stipulation of the parties approved on October 16, 2008 it is ORDERED AND DECREED that: The Automatic Stay of all proceedings, as provided under Section 362 of the Bankniptcy Reform Act of 1978 (The Code) 11 U.S.C. Section 362, is modified to allow DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X, and its successor in title to proceed with the execution process through, among other remedies but not limited to Sheriff's Sale regarding the premises 112 Milky Way Shippensburg,PA 17257 and a possessory action if necessary. The stay provided by Bankruptcy Rule 4001(a) (3) has been waived. it~ber# N. Opel, I1,13anl~ru~#ry Judge This dacumvn3 is alerir~nicadly stg~aeci and Paled ora the same drxie. CBI) Dated: January 12, 2009 Case 1:08-bk-00759-RNO Doc 60 Filed 01 /12/09 Entered 01 /12/09 15:28:57 Desc l~C~ f ti$i1 ~ ~ i 19 ~-.'',~ P:r i ;~ ~ ~~~ i~ ,j4 Michael T. McKeever Attorney LD. #56129 Suite 5000 -Mellon Independence Center 701 Market Street Philadelphia, PA 19106-1532 215-627-1322 Attorney for Plaintiff DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 Plaintiff vs. STEVEN C. HESS ROBIN L. HESS Mortgagor(s) and Record Owner(s) 112 Milky Way Shippensburg, PA 17257 Defendant(s) CERTIFICATION AS TO THE SALE OF REAL PROPERTY NO. 07-5323 I, Michael T. McKeever, Esquire hereby certify that I am the attorney of record for the Plaintiff in this action, and I further certify that this property is subject to Act 91 of 1983 and the Plaintiff has complied with all the provisions of the Act. ~l ~ ' ~(_~ Michael T. McKeever IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION -LAW ACTION OF MORTGAGE FORECLOSURE Attorney for plaintiff ~ G':,,`~ `;ir Goldbeck McCafferty & McKeever BY: Michael T. McKeever Attorney I.D. #56129 Suite 5000 -Mellon Independence Center 701 Market Street Philadelphia, PA 19106-1532 215-627-1322 Attorney for Plaintiff DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 Plaintiff vs. STEVEN C. HESS ROBIN L. HESS (Mortgagor(s) and Record Owner(s)) 112 Milky Way Shippensburg, PA 17257 IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION -LAW ACTION OF MORTGAGE FORECLOSURE Defendant(s) No. 07-5323 AFFIDAVIT PURSUANT TO RULE 3129 DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X, Plaintiff in the above action, by its attorney, Michael T. McKeever, Esquire, sets forth as of the date the praecipe for the writ of execution was filed the following information concerning the real property located at: 112 Milky Way Shippensburg, PA 17257 1.Name and address of Owner(s) or Reputed Owner(s): STEVEN C. HESS 1 l2 Milky Way Shippensburg, PA 17257 ROBIN L. HESS 112 Milky Way Shippensburg, PA 17257 2. Name and address of Defendant(s) in the judgment: STEVEN C. HESS 112 Milky Way Shippensburg, PA 17257 ROBIN L. HESS 112 Milky Way Shippensburg,PA 17257 3. Name and last known address of every judgment creditor whose judgment is a record lien on the property to be sold: Cumberland-Franklin Joint Municipal Authority c/o Richard Koch 28 S Pitt Street Carlisle, PA 17013 Cumberland-Franklin Joint Municipal Authority 725 Municipal Drive Shippensburg, PA 17257 JAMES COSTOPOULOS l3 S. HANOVER STREET CARLISLE, PA 17013 MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC 3300 SW 34TH AVENUE SUITE 101 OCALA, FL 34474 Mortgage Electronic Registration Systems, Inc. 8201 Greensboro Drive Suite 350 McLean, VA 22102 Mortgage Electronic Registration Systems, Inc. c/o Francis S. Hallinan, Esquire 1617 JFK Boulevard, Suite 1400 Philadelphia, PA 19103 PA DEPARTMENT OF PUBLIC WELFARE -Bureau of Child Support Enforcement Health and Welfare Bldg. -Room 432 P.O. Box 2675 Harrisburg, PA 17105-2675 DOMESTIC RELATIONS OF CUMBERLAND COUNTY PO Box 320 Carlisle, PA 17013 4. Name and address of the last recorded holder of every mortgage of record: 5. Name and address of every other person who has any record interest in or record lien on the property and whose interest may be affected by the sale: 6. Name and address of every other person of whom the plaintiff has knowledge who has any record interest in the property which may be affected by the sale. 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which maybe affected by the sale. TENANTS/OCCUPANTS 112 Milky Way Shippensburg, PA 17257 (attach separate sheet if more space is needed) I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. DATED: March 30, 2009 GOLDBECK McCAFFERTY & McKEEVER BY: Michael T. McKeever, Esq. Attorney for Plaintiff F'I LCD-_+:.'~= r 1;"; ~ f~~= Tic ~°~ _ ....,, , {~~v ~~'~9 ir~f~~ 31 flit i ~ i.,~:~. ~ _ _ rv~~Y _- ~~ ,. 07-5323 GOLDBECK McCAFFERTY & McKEEVER BY: Michael T. McKeever Attorney I.D.#56129 Suite 5000- Mellon Independence Center 701 Market Street Philadelphia, PA 19106 215-825-6318 Attorney for Plaintiff DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 Plaintiff vs. STEVEN C. HESS ROBIN L. HESS Mortgagor(s) and Record Owner(s) 112 Milky Way Shippensburg, PA 17257 Defendants Term No. 07-5323 THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: HESS, STEVEN STEVEN C. HESS 112 Milky Way Shippensburg. PA 17257 Your house at 112 Milky Way, Shippensburg, PA 17257 is scheduled to be sold at Sheriffs Sale on Wednesday, September 02, 2009, at 10:00 AM, in Commissioners Hearing Rm 2nd FL Courthouse to enforce the court judgment of $201,916.99 obtained by DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION -LAW ACTION OF MORTGAGE FORECLOSURE To prevent this Sheriffs Sale you must take immediate action: .. 07-5323 1. The sale will be cancelled if you pay to DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X, the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay call our office at 215-825-6329 or 1- 866-413-2311. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings 4. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice below on how to obtain an attorney). YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES NOT TAKE PLACE. 1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid price by calling the Sheriff of 717-240-6390. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call the Sheriff of 717-240-6390. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to [he buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within thirty (30) days from the date of the Sheriffs Sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (l0) days after the schedule of distribution is filed. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale. 8. You may contact the Foreclosure Resource Center: http•//www philadelphiafed orb/foreclosure/ 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 LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717-243-9400 CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle. PA 17013 ,.. i 07-5323 Resources available for Homeowners in Foreclosure ACT NOW! Even though your lender (and our client) has filed an Action of Mortgage Foreclosure against you, you still maybe able to SAVE YOUR HOME FROM FORECLOSURE. 1). Call an attorney. For referrals to a qualified attorney call either of the following numbers: 717-243-9400 or . 2). Call the Consumer Credit Counseling Agency at 1-800-989-2227 for free counseling. 3). Visit HUD'S website www.hud.~ov for Help far Homeowners Facing the Loss of Their Homes. 4). Pennsylvania Housing Finance Agency also offers other loan programs that may assist homeowners in default. Please See the PHFA website http://www.phfa.or~/consumers/homeowners/real aspx. 5}. Call the Plaintiff (your lender) at and ask to speak to someone about Loss Mitigation or Home Retention options. 6). 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 I -866-413-2311 or via email at homeretention ar,~oldbecklaw.com. Call Seth at 2 15-825-6329 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 Courtenay Dunn who can be reached at 215-825-6311 or Fax: 215-825- 641 I .Please reference our Attorney File Number of CWD-7829. Para informacion en espanol puede communicarse con Loretta al 215-825-6344. 07-5323 GOLDBECK McCAFFERTY & McKEEVER BY: Michael T. McKeever Attorney I.D.#56129 Suite 5000- Mellon Independence Center 701 Market Street Philadelphia, PA 19106 215-825-6318 Attorney for Plaintiff DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 Plaintiff vs. STEVEN C. HESS ROBIN L. HESS Mortgagor(s) and Record Owner(s) 112 Milky Way Shippensburg, PA 17257 Defendants; Term No. 07-5323 THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: HESS, ROBIN ROBIN L. HESS 112 Milky Way Shippensburg,PA 17257 Your house at 112 Milky Way, Shippensburg, PA 17257 is scheduled to be sold at Sheriffs Sale on Wednesday, September 02, 2009, at 10:00 AM, in Commissioners Hearing Rm 2nd FL Courthouse to enforce the court judgment of $201,916.99 obtained by DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACT10N -LAW ACTION OF MORTGAGE FORECLOSURE To prevent this Sheriffs Sale you must take immediate action: 07-5323 1. The sale will be cancelled if you pay to DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X, the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay call our office at 215-825-6329 or 1- 866-413-2311. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. You may also be able to stop the sale through other legal proceedings. 4. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice below on how to obtain an attorney). YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES NOT TAKE PLACE. 1. If the Sheriff s Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid price by calling the Sheriff of 717-240-6390. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call the Sheriff of 717-240-6390. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You maybe entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within thirty (30) days from the date of the Sheriffs Sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the schedule of distribution is filed. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale. You may contact the Foreclosure Resource Center: httna/www.philadelphiafed.ore/foreclosure/ 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 LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717-243-9400 CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 07-5323 Resources available for Homeowners in Foreclosure ACT NOW! Even though your lender (and our client) has filed an Action of Mortgage Foreclosure against you, you still maybe able to SAVE YOUR HOME FROM FORECLOSURE. 1). Call an attorney. For referrals to a qualified attorney call either of the following numbers: 717-243-9400 or . 2). Call the Consumer Credit Counseling Agency at 1-800-989-2227 for free counseling. 3). Visit HUD'S website www.hud.gov for Help for Homeowners Facing the Loss of Their Homes. 4). Pennsylvania Housing Finance Agency also offers other loan programs that may assist homeowners in default. Please See the PHFA website http://www.phfa.or~/consumerslhomeowners/real . aspx. 5). Call the Plaintiff (your lender) at and ask to speak to someone about Loss Mitigation or Home Retention options. 6). 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(c~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 Courtenay Dunn who can be reached at 215-825-6311 or Fax: 215-825- 6411. Please reference our Attorney File Number of CWD-7829. Para informacion en espano] puede communicarse con Loretta al 215-825-6344. WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 07-5323 Civil CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due DEUTSCHE BANK NATIONAL TRUST COMPANY, as Trustee for VENDEE MORTGAGE TRUST, 200X-X, Plaintiff (s) From STEVEN C. HESS and ROBIN L. HESS (1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION . (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $201,916.99 L.L. Interest from 10/18/07 to Date of Sale per diem at $30.24 Atty's Comm % Due Prothy $2.00 Atty Paid $1,098.77 Other Costs to be Added Plaintiff Paid Date: 3/31/09 urtis R. L P th (Seal) By: REQUESTII~TG PARTY: Name: MICHAEL T. McKEEVER, ESQUIRE Address: GOLDBECK McCAFFERTY & McKEEVER SUITE 5000 - MELLON INDEPENDENCE CENTER 701 MARKET STREET PHILADELPHIA, PA 19106-1532 Attorney for: PLAINTIFF Telephone: 215-627-1322 g, o on ary Deputy Supreme Court ID No. 56129 GOLDBECK McCAFFERTY & McKEEVER BY: Michael T. McKeever Attorney I.D.#56129 Suite 5000 -Mellon Independence Center 701 Market Street Philadelphia, PA 19106-1532 215-627-1322 CWD-7829 CF: 09/05/2007 SD: 09/02/2009 $201,916.99 DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 Plaintiff vs. STEVEN C. HESS ROBIN L. HESS Mortgagor(s) and Record Owner(s) 112 Milky Way Shippensburg, PA 17257 Defendant(s) CERTIFICATE OF SERVICE PURSUANT TO Pa.R.C.P. 3129.2 (c) (2) Term No. 07-5323 Michael T. McKeever, Esquire, Attorney for Plaintiff, hereby certifies that service on the Defendants of the Notice of Sheriff Sale was made by: Personal Service by the Sheriffs Office/ca~~lt (copy of return attached). ( ) Certified mail by Michael T. McKeever (original green Postal return receipt attached). ( ) Certified mail by Sheriffs Office. ( ) Ordinary mail by Michael T. McKeever, Esquire to Attorney for Defendant(s) of record (proof of mailing attached). ( ) Acknowledgment of Sheriffs Sale by Attorney for Defendant(s) (proof of acknowledgment attached). ( ) Ordinary mail by Sheriffs Office to Attorney for Defendant(s) of record. IF SERVICE WAS ACCOMPLISHED BY COURT ORDER. ( ) Premises was posted by Sheriffs Office/competent adult (copy of return attached). ( ) Certified Mail & ordinary mail by Sheriff s Office (copy of return attached). ( ) Certified Mail & ordinary mail by Michael T. McKeever (original receipt(s) for Certified Mail attached). ( ) Published in accordance with court order (copy of publication attached). Pursuant to the Affidavit under Rule 3129 (copy attached), service on all lienholders (if any) has been made by ordinary mail by Michael T. McKeever, Esquire (copies of proofs of mailing attached). The undersigned understands that the statements herein are subject to the penalties provided by 18 P.S. Section 4904. Respect"fully submitted, BY: Michael T. McKeever, Esquire Attorney for Plaintiff IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION -LAW ACTION OF MORTGAGE FORECLOSURE ~ LL ~ ~ 2 Q Q1 (O b b ~ ~ O ~ ~ N Q1 ~ MAD O ®~ O ° a ~ {A' a w ~ ~ m ~ > ~ ~ ~ ~ u t ~ t a r LL C o ~ ~ ~~ ~ O ~ o a m ~ s N ~~~n b o ~ E o d ~ - z ~ . m r . ~' a ~ ~ U . ~ R > ` C O a ~' ~g V `' = ~ (n z z ~.~~;ks m ... 0 U n~8ay^, A$ ~ ~~ ~ ~ u~Ei mvm ~~ W ~ O ~ LL U U ~ 2W' o ~ Z £ S ,~ ~ ~ a~ ~`o ao O ?,~ to ~ O (~ / Q d ~ F- N _ Y a wr ~~ U ~ ~ $ v F- C L m V C c ~ m _ ~ ~ U c J c o E G C V ~ _ m ~ ~o Y ~ O +=.i ~ ~ E ~ W Q D ~ U s ~ CCll n-7 Q Q ~ N m LL ,~,, W m ~ E a a ~ j ~ to .a. a K~Kin ~ G _ C df~7 O ~~ U F O a ~ 0000 ~' ~ ~ n m ~ m ~Q,~ m ~~ i ~ v O O U~] " ~W ~ W Z y ~~ ~ ~ fA d W'S ~ aW ~ ~ .~ o ~ ' ~ ~r~ ~ o ~ ~ ' ~ am ~ v ~ C C Y mr ~ r O~~ r 7 UON p U C L d) ~,~ j N O r fi `o 8 U~ C r ~ o,~ o C '~ Q mpa. d pw Q ~ U= v O ~~ ~a O QS > ~_ ~a Z (!? 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O a m ` o c d o ~ ~ F T A ~ .m+ ~' ~ N 2 O .,~ d O m a ~ ~ N O C = ~ ~ ~ m ~' ~ U ~ Z ~a N g (C ~ ~ E U Q ~ ~ ~ ~ "- 2 Ll- '~ ~ a~ U ~ ~~ o a O U ~ ~ Sheriff s Office of Cumberland County R Thomas Kline Sheriff of ~a~ ~ptp rya Ronny R Anderson ~0 ~~ ,~ Chief Deputy ~; ~~~~ Jody S Smith "'~^"`"~=" Civil Process Sergeant OF~~&E OF THE SHERIFF Edward L Schorpp Solicitor Deutsche Bank National Trust Company, Case Number vs. 2007-5323 Steven C Hess SHERIFF'S RETURN OF SERVICE 06/25!2009 07:45 PM -Noah Cline, Deputy Sheriff, who being duly sworn according to law, states that on 6/25109 at 1944 hours, he posted a true copy of the within Real Estate Writ, Notice, Poster and Description, in the above entitled action, upon the property of Steven C. Hess and Robin L. Hess, located at, 112 Milky Way, Shippensburg, Cumberland County, Pennsylvania according to law. 06/25/2009 07:45 PM -Noah Cline, Deputy Sheriff, who being duly sworn according to law, states that on 6125109 at 1944 hours, he served a true copy of the within Real Estate Writ, Notice and Description, in the above entitled action, upon the within named defendant, to wit: Steven C. Hess, by making known unto, Rabin L. Hess, wife, at, 112 Milky Way, Shippensburg, Cumberland County, Pennsylvania its contents and at the same time handing to her personalty the said true and correct copy of the same. 06/25/2009 07:45 PM -Noah Cline, Deputy Sheriff, who being duly sworn according to taw, states that on 6125109 at 1944 hours, he served a true copy of the within Real Estate Writ, Notice and Description, in the above entitled action, upon the within named defendant, to wit: Robin L. Hess by making known unto, Robin L. Hess, personally, at, 112 Milky Way, Shippensburg, Cumberland County, Pennsylvania its contents and ai the same time handing to her personally the said true and correct copy of the same GOLDBECK McCAFFERTY & McKEEVER BY: Michael T. McKeever Attorney I.D.#56129 Suite 5000 -Mellon Independence Center 701 Market Street Philadelphia, PA 19106-1532 215-627-1322 Attorney for Plaintiff DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 Plaintiff vs. STEVEN C. HESS ROBIN L. HESS Mortgagor(s) and Record Owner(s) 112 Milky Way Shippensburg, PA 17257 Defendant(s) IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION -LAW ACTION OF MORTGAGE FORECLOSURE Term No. 07-5323 SUPPLEMENTAL AFFIDAVIT PURSUANT TO RULE 3129 DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X, Plaintiff in the above action, by its attorney, Michael T. McKeever, Esquire, sets forth as of the date the praecipe for the writ of execution was filed the following information concerning the real property located at: 112 Milky Way Shippensburg,PA 17257 1.Name and address of Owner(s) or Reputed Owner(s): STEVEN C. HESS 112 Milky Way Shippensburg, PA 17257 ROBIN L. HESS 112 Milky Way Shippensburg, PA 17257 ROBIN L. HESS 112 Milky Way Shippensburg, PA 17257 2. Name and address of Defendant(s) in the judgment: STEVEN C. HESS 112 Milky Way Shippensburg, PA 17257 ROBIN L. HESS 112 Milky Way Shippensburg, PA 17257 3. Name and last known address of every judgment creditor whose judgment is a record lien on the property to be sold: Mortgage Electronic Registration Systems, Inc 8201 Greensboro Drive Suite 350 McLean, VA 22102 JAMES COSTOPOULOS 13 S. HANOVER STREET CARLISLE, PA 17013 Cumberland-Franklin Joint Municipal Authority c/o Richard Koch 28 S Pitt Street Carlisle, PA 17013 Cumberland-Franklin Joint Municipal Authority 725 Municipal Drive Shippensburg, PA 17257 DOMESTIC RELATIONS OF CUMBERLAND COUNTY PO Box 320 Carlisle, PA 17013 PA DEPARTMENT OF PUBLIC WELFARE -Bureau of Child Support Enforcement Health and Welfare Bldg. -Room 432 P.O. Box 2675 Harrisburg, PA 17105-2675 MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC 3300 SW 34TH AVENUE SUITE 101 OCALA, FL 34474 Mortgage Electronic Registration Systems, Inc. c/o Francis S. Hallinan, Esquire 1617 JFK Boulevard, Suite 1400 Philadelphia, PA 19103 Cumberland-Franklin Joint Municipal Authority c/o James M. Robinson 28 South Pitt Street Carlisle, PA 17013 4. Name and address of the last recorded holder of every mortgage of record: 5. Name and address of every other person who has any record interest in or record lien on the property and whose interest may be affected by the sale: 6. Name and address of every other person of whom the plaintiff has knowledge who has any record interest in the property which maybe affected by the sale. 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which maybe affected by the sale. TENANTS/OCCUPANTS 112 Milky Way Shippensburg, PA 17257 (attach separate sheet if more space is needed) I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. DATED: August 17, 2009 ~~~~- ~ GOLDBECK McCAFFERTY & McKEEVER BY: Michael T. McKeever, Esq. Attorney for Plaintiff F~.C~-~.,)~riL:F OF ~i-i~ ?'t~~,^~~t~t''~~X 109 AJC 19 ~ ~ i ~ t::~ ~, .,; _~~~;~~r Sheriffs Office of Cumberland County R Thomas Kline Sherff Ronny R Anderson Chief Deputy Jody S Smith Civil Process Sergeant Edward L Schorpp Solicitor Deutsche Bank National Trust Company, vs. Steven C Hess ~~~~tiu' ~i ~mtrbr%~A CIF~fCE 4F TFSE °i.KFIFF Case Number 2007-5323 SHERIFF'S RETURN OF SERVICE 06/25/2009 07:45 PM -Noah Cline, Deputy Sheriff, who being duly sworn according to law, states that on 6/25/09 at 1944 hours, he posted a true copy of the within Real Estate Writ, Notice, Poster and Description, in the above entitled action, upon the property of Steven C. Hess and Robin L. Hess, located at, 112 Milky Way, Shippensburg, Cumberland County, Pennsylvania according to law. 06/25/2009 07:45 PM -Noah Cline, Deputy Sheriff, who being duly sworn according to law, states that on 6/25/09 at 1944 hours, he served a true copy of the within Real Estate Writ, Notice and Description, in the above entitled action, upon the within named defendant, to wit: Steven C. Hess, by making known unto, Robin L. Hess, wife, at, 112 Milky Way, Shippensburg, Cumberland County, Pennsylvania its contents and at the same time handing to her personally the said true and correct copy of the same. 06/25/2009 07:45 PM -Noah Cline, Deputy Sheriff, who being duly sworn according to law, states that on 6/25/09 at 1944 hours, he served a true copy of the within Real Estate Writ, Notice and Description, in the above entitled action, upon the within named defendant, to wit: Robin L. Hess by making known unto, Robin L. Hess, personally, at, 112 Milky Way, Shippensburg, Cumberland County, Pennsylvania its contents and ai the same time handing to her personally the said true and correct copy of the same R. Thomas Kline, Sheriff, who being duly sworn according to law states this writ is returned STAYED, per letter of instruction from Atty McKeever 10/5/09 08/26/2009 Property sale postponed to 10/7/2009. 10/06/2009 Property sale cancelled on 10/6/2009 SHERIFF COST: $729.52 / Jol •~ ~'~09 ~^' October 06, 2009 FlI,Es-{?FriC~ 2009 OCT -7 A~ 8: 4 7 ~, ~~M SO ANSWERS, ~~ ?~~, R THOMAS KLINE. HERIFF G ~; ~ ~ cam. 7 .~ ~ ~8 s~ z3l~s~ Goldbeck McCafferty & McKeever BY: Michael T. McKee~~er Attol-rtey LD. #SG129 Suite 5000 -Mellon Independence Center 701 Market Street Philadelphia, PA 19106-1532 215-627-1322 Attorney for Plaintiff DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X 71 OS Corporate Drive PTX B-35 Plano, TX 75024-3632 Plaintiff vs. STEVEN C. HESS ROBIN L. HESS (Mortgagor(s) and Record Owner(s)) 112 Milky Way Shippensburg, PA 17257 Defendant(s) AFFIDAVIT PURSUANT TO RULE 3129 No. 07-5323 DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X, Plaintiff in the above action, by its attorney, Michael T. McKeever, Esquire, sets forth as of the date the praecipe for the writ of execution was filed the following information concerning the real property located at: l 12 Milky Way Shippensburg, PA 17257 l .Name and address of Owner(s) or Reputed Owner(s): STEVEN C'. HESS 112 Milky Way Shippensburg; PA 17257 ROBIN L. HESS 1 I2 Milky Way Shippensburg, PA 17257 2. Name and address of Defendant(s) in the judgment: STEVEN C. HESS 112 Milky Way Shippensburg, PA 17257 ROBIN L. HESS l ]2 Milky Way Shippensburg, PA 17257 3. Name and last known address of every judgment creditor whose judgment is a record lien on the property to be sold: IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION -LAW ACTION OF MORTGAGE FORECLOSURE Cumberland-Franklin Joint Municipal Authority c/o Richard Koch 28 S Pitt Street Carlisle, PA 17013 Cumberland-Franklin Joint Municipal Authority 725 Municipal Drive Shippensburg, PA 17257 JAMES COSTOPOULOS 13 S. HANOVER STREET CARLISLI=:, PA 17013 MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC 3300 SW 34TH AVENUE SUITE 101 OCALA, FL 34474 Mortgage Electronic Registration Systems, Inc. 8201 Greensboro Drive Suite 350 McLean, V A 22102 Mortgage Electronic Registration Systems, Inc. c/o Francis S. Hallinan, Esquire 1617 JFK Boulevard, Suite 1400 Philadelphia, PA 19103 PA DEPARTMENT OF PUBLIC WELFARE -Bureau of Child Support Enforcement Health and Welfare Bldg. -Room 432 P.O. Box 2(175 Harrisburg, PA 17105-2675 DOMESTIC RELATIONS OF CUMBERLAND COUNTY PO Box 320 Carlisle, PA 17013 4. Name and address of the last recorded holder of every mortgage of record: 5. Name and address of every other person who has any record interest in or record lien on the property and whose interest may be affected by the sale: 6. Name and address of every other person of whom the plaintiff has knowledge who has any record interest in the property which may be affected by the sale. 7. Name and address of every other person of whom the plaintiff has ]cnowledge who has any interest in the property which maybe affected by the sale. , TENANTSlOCCUPANTS 1 l2 Milky Way Shippensburg,PA 17257 (attach separate sheet if more space is needed) I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of l8 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. DATED: March 30, 2009 GOLDBECK McCAFFERTY ~ McKEEVER BY: Michael T. McKeever, Esq. Attorney for Plaintiff ti 07-5323 GOLDBECK McCAFFERTY & McKEEVER BY: Michael T. McKeever Attorney I.D.#56129 Suite 5000- Mellon Independence Center 701 Market Street Philadelphia, PA 19106 215-825-6318 Attorney for Plaintiff DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 Plaintiff vs. STEVEN C. HESS ROBIN L. HESS Mortgagor(s) and Record Owner(s) 112 Milky Way Shippensburg, PA 17257 Defendants; Term No. 07-5323 THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: HESS, STEVEN STEVEN C. HESS l l2 Milky Way Shippensburg; PA 17257 Your house at ] 12 Milky Way, Shippensburg, PA 17257 is scheduled to be sold at Sheriffs Sale on Wednesday, September 0"?, 2009, at 10:00 AM, in Commissioners Hearing Rm 2nd FL Courthouse to enforce the court judgment of $201,916.99 obtained by DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION -LAW ACTION OF MORTGAGE FORECLOSURE To prevent this Sheriffs Sale you must take immediate action: 07-5323 ] . The sale will be cancelled if you pay to DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X, the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay call our office at 215-825-6329 or 1- 866-413-2311. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open judgment, if the judgment was improperly entered. You may also ask tl~e Court to postpone the sale for good cause. You may also be able to stop the sale through other legal proceedings. 4. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice below on how to obtain an attorney). YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU. HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES NOT TAKE PLACE. 1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid price by calling the Sheriff of 717-240-6390. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call the Sheriff of 717-240-6390. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within thirty (30) days from the date of the Sheriffs Sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the schedule of distribution is filed. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale. You may contact the Foreclosure Resource Center: http://www philadelphiafed orb/foreclosure/ 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 LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717-243-9400 CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 07-5323 Resources available for Homeowners in Foreclosure ACT NOW! Even though your lender (and our client) has filed an Action of Mortgage Foreclosure against you, you still maybe able to SAVE YOUR HOME FROM FORECLOSURE. 1). Call an attorney. For referrals to a qualified attorney call either of the following numbers: 717-243-9400 or . 2}. Call the Consumer Credit Counseling Agency at 1-800-989-2227 for free counseling. 3). Visit HUD'S website www.hud.~ov for Help for Homeowners Facing the Loss of Their Homes. 4). Pennsylvania Housing Finance Agency also offers other loan programs that may assist homeowners in default. Please See the PHFA website http://www phfa or /consumers/homeowners/real asnx. 5). Call the Plaintiff (your lender) at and ask to speak to someone about Loss Mitigation or Home Retention options. 6). 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(c~~oldbecklaw 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 Courtenay Dunn who can be reached at 215-825-6311 or Fax: 215-825- 6411.Please reference our Attorney File Number of CWD-7829. Para informacion en espanol puede communicarse con Loretta al 215-825-6344. 07-5323 i' GOLDBECK McCAFFERTY & McKEEVER BY: Michael T. McKeever Attorney I.D.#56129 Suite 5000- Mellon Independence Center 701 Market Street Philadelphia, PA 19106 215-825-6318 Attorney for Plaintiff DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 Plaintiff vs. STEVEN C. HESS ROBIN L. HESS Mortgagor(s) and Record Owner(s) 112 Milky Way Shippensburg, PA 17257 Defendants; Term No. 07-5323 THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: HESS, ROBiN ROBIN L. HESS l 12 Milky Way Shippensburg, PA 17257 Your house at 112 Milky Way, Shippensburg, PA ] 7257 is scheduled to be sold at Sheriffs Sale on Wednesday, September 02, 2009, at 10:00 AM, in Commissioners Hearing Rm 2nd FL Courthouse to enforce the court judgment of $201,916.99 obtained by DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION -LAW ACTION OF MORTGAGE FORECLOSURE To prevent this Sheriffs Sale you must take immediate action: 07-5323 l . The sale will be cancelled if you pay to DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR VENDEE MORTGAGE TRUST 200X-X; the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay call our office at 215-825-6329 or 1- 866-413-2311. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. You may also be able to stop the sale through other legal proceedings. 4. You may need an attorney to assert your rights. The sooner you contact one; the more chance you will have of stopping the sale. (See notice below on how to obtain an attorney}. YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES NOT TAKE PLACE 1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid price by calling the Sheriff of 717-240-6390. 3 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened; you may call the Sheriff of 717-240-6390. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bicl for your house will be filed by the Sheriff within thirty (30) days from the date of the Sheriffs Sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the schedule of distribution is filed. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale. You may contact the Foreclosure Resource Center: htta://www philadelnhiafed org/foreclosure YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YUU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU C;AN GET LEGAL HELP. LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717-243-9400 CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 07-5323 Resources available for Homeowners in Foreclosure ACT NOW! Even though your lender (and our client) has filed an Action of Mortgage Foreclosure against you, you still maybe able to SAVE YOUR HOME FROM FORECLOSURE. 1). Call an attorney. For referrals to a qualified attorney call either of the following numbers: 717-243-9400 or . 2). Call the Consumer Credit Counseling Agency at 1-800-989-2227 for free counseling. 3). Visit HUD'S website www.hud.gov for Help for Homeowners Facing the Loss of Their Homes. 4). Pennsylvania Housing Finance Agency also offers other loan programs that may assist homeowners in default. Please See the PHFA website http://www. hp fa.org/consumers/homeowners/real aspx. 5). Call the Plaintiff (your lender) at and ask to speak to someone about Loss Mitigation or Home Retention options. 6). 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~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. 7'he attorney in charge of our firm's Homeowner Retention Department is Courtenay Dunn who can be reached at 215-825-6311 or Fax: 215-825- 6411.Please reference c-ur Attorney File Number of CWD-7829. Para information en espanol puede communicarse con Loretta al 215-825-6344. ALL that certain tract of-real estate situate in Southampton Township, Cumberland County, Pennsylvania, bounded and described as follows: BEGINNING at an iron pin to be lot at the northwestern corner of Lot No. 28; thence along the common line of Lot No. 28 and Lot No. 29 North 49 degrees 36 minutes O1 seconds East, 132.48 feet to an iron pin to be set at the northeastern corner of Lot No. 28; thence along Milky Way, South 38 degrees 46 minutes 47 seconds East, 81.03 feet to an iron pin to be set at the southeastern corner of Lot No. 28; thence along the common line of Lot No. 27 and Lot No 28 South 49 degrees 36 minutes O1 seconds West, 190.49 feet to an iron pin to be set at the southwestern corner of Lot No. 28; thence along the common line of Lot No. 28 and Lot No. 55 North 40 degrees 11 minutes 22 Seconds West, 81 feet to an iron pin to be set, being the point and place of BEGINNING. TAX PARCEL NO. 39-14-0169 PROPERTY ADDRESS: 112 MILKY WAY, SHIPPENSBURG, PA 17257 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) ' COUNTY OF CUMBERLAND) NO 07-5323 Civil CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due DEUTSCHE BANK NATIONAL TRUST COMPANY, as Trustee for VENDEE MORTGAGE TRUST, 200X-X, Plaintiff (s) From STEVEN C. HESS and ROBIN L. HES5 (1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION . (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $201,916.99 L.L. Interest from 10/18/07 to Date of Sale per diem at $30.24 Atty's Comm % Due Prothy $2.00 Atty Paid $1,098.77 Plaintiff Paid Date: 3/31/09 Other Costs to be Added urtis R. Lon , rothonot (Seal) By: Deputy REQUESTING PARTY: Name: MICHAEL T. McKEEVER, ESQUIRE Address: GOLDBECK McCAFFERTY & McKEEVER SUITE 5000 - MELLON INDEPENDENCE CENTER 701 MARKET STREET PHILADELPHIA, PA 19106-1532 Attorney for: PLAINTIFF Telephone: 215-627-1322 Supreme Court ID No. 56129 Real Estate Sale # On May 5, 2009 the Sheriff levied upon the defendant's interest in the real property situated in Southampton Township, Cumberland County, PA Known and numbered as, 112 Milky Way, Shippensburg, more fully described on Exhibit "A" filed with. this writ and by this reference incorporated herein. Date: May 5,.2009 B• Real Estate Coordinator ~~o~~~ 1 ~_~,,{f ~~~~~~