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HomeMy WebLinkAbout07-5593/ r 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 W W W.GOLDBECKLAW.COM ATTORNEY FOR PLAINTIFF BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS CWABS, INC. ASSET- BACKED CERTIFICATES, SERIES 2005-16 7105 Corporate Drive PTXC-35 Plano, TX 75024 Plaintiff VS. MICHAEL A. CARRUCOLI Mortgagor and Real Owner 18 Beaver Road Camp Hill, PA 17011 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE Term No. M- ,6,h-q3 oivi! -Term Defendant CIVIL ACTION: MORMAW FORECLOSURE 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 may be entered against you by the Court without further notice for any money claim in the Complaint of for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717-243-9400 AVISO LE HAN DEMANDADO A USTED EN LA CORTE. SI DESEA DEFENDERSE CONTRA LAS QUEJAS PERESENTADAS, ES ABSOLUTAMENTE NECESSARIO QUE USTED RESPONDA DENTRO DE 20 DIAS DESPUES DE SER SERVIDO CON ESTA DEMANDA Y AVISO. 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 tSTA DPMANDA, SE PUEDE PROSEGUIR CON EL PROCESO SIN SU PARTICIPACION. ENTONCES, LA COUTE PUEDE, SIN NOTIFICARIO, DECIDIR A FAVOR DEL DEMANDANTE Y REQUERIRA QUE USTED CUMPLA CON TODAS LAS PROVISIONES DE ESTA DEMANDA. POR RAZON DE ESA DECISION, ES POSSIBLE QUE USTED PUEDA PERDER DINERO, PROPIEDAD U OTROS DERECHOS IMPORTANTES. USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSEGUIDA. SI USTED NO TIENE UN ABOGADO, VAYA O LLAME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACION DE COMO CONSEUIR UN ABOGADO. SI USTED NO PUEDE PAGARLE A UN ABOGADO, RSTA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS QUE PUEDAN OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717-243-9400 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(&,goldbecklaw com. Call Seth at 215-825-6329 or fax 215-825-6429. The figure and/or package you requested will be mailed to the address that you request or faxed if you leave a message with that information. The attorney in charge of our firm's Homeowner Retention Department is David Fein who can be reached at 215-825-6318 or Fax: 215-825-6418. Please reference our Attorney File Number of 56616FC. Para informacion en espanol puede communicarse con Loretta al 215-825-6344. This Action of Mortgage Foreclosure will continue unless you take action to stop it. Resources available for Homeowners in Foreclosure COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff is BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS CWABS, INC. ASSET-BACKED CERTIFICATES, SERIES 2005-16,7105 Corporate Drive, PTX C - 35 Plano, TX 75024. 2. The names and addresses of the Defendant is MICHAEL A. CARRUCOLI, 1011 Oak Lane Apartment 2, New Cumberland, PA 17070, who is the mortgagor and real owner of the mortgaged premises hereinafter described. 3. On November 14, 2005 mortgagors made, executed and delivered a mortgage upon the Property hereinafter described to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., ACTING SOLELY AS A NOMINEE FOR AMERICA'S WHOLESALE LENDER, which mortgage is recorded in the Office of the Recorder of Deeds of Cumberland County as Book 1933, Page 1048. The mortgage has been assigned to: BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS CWABS, INC. ASSET-BACKED CERTIFICATES, SERIES 2005-16 by assignment of Mortgage. Plaintiff is the real party in interest pursuant to a purchase or transfer of the mortgage obligation from the last record holder and an Assignment of Mortgage to Plaintiff has been and/or will be lodged for recording with the Recorder of Deeds in the ordinary course of business. The Mortgage and assignment(s) are matters of public record and are incorporated by this reference in accordance with Pennsylvania Rule of Civil Procedure 1019(g); which Rule relieves the Plaintiff from its obligation to attach documents to pleadings if those documents are matters of public record. 4. The Property subject to the Mortgage is more fully described in the legal description set forth as Exhibit "A" ("Property"). 5. The mortgage is in default because the monthly payments of principal and interest are due and unpaid for May 01, 2007 and each month thereafter and by the terms of the Mortgage, upon default in such payments for a period of one month or more, the entire principal balance and all interest due and other charges are due and collectible. 6. The following amounts are due to Plaintiff on the Mortgage: Principal Balance ........................................................ ...$221,184.60 Interest from 04/01/2007 through 09/07/2007 at 7.4500% ....................... $7,222.40 Per Diem interest rate at $45.14 Reasonable Attorney's Fee at 5% of Principal Balance as more fully explained in the next numbered paragraph ................. $11,059.23 Late Charges from 05/01/2007 to 09/07/2007 .............................................$389.65 Monthly late charge amount at $77.93 Costs of suit and Title Search ......................................................................$900.00 $240,755.88 7. If the Mortgage is reinstated prior to a Sheriff s Sale, the Attorney's Fees set forth above may be 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 Defendant in this Action but reserves its right to bring a separate Action to establish that right, if such right exists. If Defendant has received a discharge of their personal liability in a Bankruptcy proceeding, this Action of Mortgage Foreclosure is, in no way, an attempt to re-establish the personal liability that was discharged in Bankruptcy, but only to foreclose the Mortgage and sell the Property pursuant to Pennsylvania law. 9. Notice of Intention to Foreclose and a Notice of Homeowners' Emergency Mortgage Assistance has been sent to Defendant 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 Defendant have not had the required face-to-face meeting within the required time and Plaintiff has no knowledge of any such meeting being requested by the Defendant through the Plaintiff, the Pennsylvania Housing Finance Agency, or any appropriate Consumer Credit Counseling Agency. WHEREFORE, Plaintiff demands a de terns judgment in mortgage foreclosure in the sum of $240,755.88, together with interest at the rate of $45.14, per day and other expenses, costs and charges incurred by the Plaintiff which are properly chargeable in accordance with the terms of the Mortgage and Pennsylvania law until the Mortgage is paid in full, and for the foreclosure of the Mortgage and Sheriff s Sale of the Property. By: "IbIVISEUK MCCAFFBIWY & McKEEVER Y: JOSEPH A. GOLDBECK, , ESQUIRE TTORNEY FOR PLAINTIFF VERIFICATION ELYHmms , as the representative of the Plaintiff corporation within named do hereby verify that I am authorized to and do make this verification on behalf of the Plaintiff corporation and the facts set forth in the foregoing Complaint are true and correct to the best of my knowledge, information and belief. I understand that false statements therein are made subject to the penalties of 18 Pa. C.S. 4904 relating to unworn falsification to authorities. Date: JG? ^E^ 19 'nn? ELYHARm,VICEffmv NT #121436794 - MICHAEL A. CARRUCOLI ExhibitA MVAW"A7 ALL TIMT CERTAIN 19 or teal d Lai SMIN it lgttar Aga Tamft Qtoiolaai Gbnb . ataw pataibr boom id a i aaaWd a I m aau A as t1a !!r df>tir An hit as iaraiii to tba Raaaa+lw dOaNt ONtaa 4 and foe Casbwbsi Canrgt.Eba1ti it !Ys bwk No. 7. pp 45. bwk i!>r31IR1l40atapaMtaaaaLi'ieadtiat!(otWtas dltrarrraai40titwiitraailtaitbaGtd tk 10 da?aboe brlrNaa LoU'WANk M 34 ad 3S; Ante is a Wm* Awbo y am as d Daaar Dand fot a dlalaatr d 973 Me, /iota is t lIiiaaoiDto?o??+d'btalaa a 6tt'an 4933 flel!aww or Mae a aPdoot Aaaa a! a fstata?riteltn ftei?aaaeaat}12D.7S 5dlatitslysaf a*6lrlitaa, L.trl4aatbMM 34aad 3$ trot bit joodw dfjs"y,ail §w4(a4aburrradbewta atiN,? idbat s foiaabdometbetbder. 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PO Box 51M MS SV314B SIMI Valley, CA 93005 IIIIIII mill 2204145570 Michael A Carrucdi 1011 OAK LN APT 2 NEW CUMBERLAND, PA 17070-1300 070702aoPAi PRESORT First-Clew Mail U.S. Posuge and Fees Paid WSO m Ham LOAM P.O. Box 880894 Dallas, 7X 7528848&1 Send Payrttems to. PO Box 880881 DRIBS, 7X 75288-0881 July 2, 2007 Michael A Carrucdi 1011 OAK LN APT 2 NEW CUMBERLAND, PA 17070-1300 Account No.: 121436794 Property Address: 18 Beaver Rd Camp FIN, PA 17011 Current Servicer: Countrywide Home Loans Servicing LP ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE Tick Ntttiee contains important bgai intornnatlon. K you have any questions, representaWos at tin Consunsr Croft Counseling Agency may be able to help explain it You may aleo want to contact an attorney M your area The local br asaochtdon may be able to help you Ind a lawyer. LA NOTFICAC16M EN ADJUNTO ES DE SURA ¦IPORTANCIA, PLIES AFECTA SU OERECHO A CONiiNt1AR VM84DO EN St) CASA. SI NO COMPRENDE EL CON7EM0 DE ESTA NORIFICACION OVMNGA UNA TRADUCCIO N INREDIATAMENfE LLAMAPDO ESTA AOENCIA YLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMRO MEINCIONADO ARRBA. PUE09 SER I='E PARA UN PRESTAMO POR EL PROGRAMA LLAMADO 'MORIEOV*OrS EIERGENCY MORTGAGE ASUSTANCE PROGRAM" EL COAL PUEDE SALVAR SU CASA DE LA PERDDA DEL DERECHO A REDNNR SU NWOTECA. HOMOWIEWS NAmMy Michael A CarrucoN PROPERTY ADDRESS: 18 Sawn Rd Game HK PA 17011 LOAN ACCT. NO.: 1214mm ORIGINAL LENDER: CURRENT LEMDER/SERVICER: 92wilm de Home Loans Servtdnu P HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM ¢ w ANCE W" CAN SAVE MM HOME EMU F CL +m AND ? MAKE ?L M RTrs. AYiEMTS O Comb Horne Loaaro • Wise yar a cou t number on yourdedc ormonq order • Wrb In any addl orw amou le you are Induu?dngp {r total is MOMMdw 115000. pbaee send • Do Italt=oledctotte • Don t wog • Dont Send cash -1, ?Yd resaarawwhrpuaxou?lnuneormardrdnammrw;oncena Vft ay mom mh nsd a nyatad blrymb ncigI nttdbn, fuepCtro ayp OM fw. Account Number: UUM17M Michael A Canucoli Balance Due for charges lielled above: $4,9N.84 as of 07=007 18 Beaver Rd aLOPAI Countrywide PO BOX BOD094 Daly. TX 75268.0694 IIIIIL61111LLIII,IIIIIIII IIIILdJ11.I111L1111L11111JIL111 Pees epdwairur e6ar?n an e. wvra? ?Nd sr ooapn. ea.i ?detow laaaw glen del 121436794600000490864000490864 IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1883 (THE -ACT % YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUR2EMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSLE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a *face-to-face" meeting wine of the consumer credit counseling agencies Ihted at the end of #6 Notice. THIS low OCCUR VAMWIN T&W NOWT I you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take aatton against you for thirty (30) days after the date of this meeting. The names. srah at rre enc oT Mrs Nonce. It Is only necessary to schedule one face-to-face meeting. Advise your your Intentions. APPLICATION FOR NK*tTGAQE Ag$H ANNE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific inbnnaboon about the nature of your default.) I 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 all out, sign and fie a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the and 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 face4o4aoe meeting. YOU Sj FILE YOUR APPLICATION PROMPTLY. E YOU FAIL. TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME P8111ODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HONE IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY A=ON - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Ad. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision ater it receives your application. During that time, no foreclosure proceedings will be pursued against you I you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE 18 FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (N you have filed bankruptcy you can still apply for Emergency Mortgage Assisfance.) NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: 18 Beaver Rd Camp Hill, PA 17011 IS SERIOUSLY IN DEFAULT because YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now post due Monthly Charoes: 05/01/2007 $4,675.74 Late Chances: 05101/2007 $155.86 Other Late Chartres Total Late Charges: $13.02 Uncollected Costs: $65.00 Partial Payment Balance: ($0.96) TOTAL DUE: $4,90B,µ YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use If not and' abl+) HOW TO CURE THE - You may cure the default rAthin THIRTY 130) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT AST DUE TO THE LENDER, WHICH IS $4,li0tt;4, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments mint be made either by hr's check certified check or monev order made savanna and sent to: E-mar Lire: Prowl ft yn?pa -?met address Delwv war gbv us to send yw ir#vffWm on your acmunr Accumt Number. tr VA M MOW A Ca rued E-mar address HOW rA yet JOIN IVwra N sw* W tpm Of yl4ilrt ant Iirrt me be mm b tai la wt ad" tiskum rare, w w 46ee is www ps"i • WN by kw. I yw WAW a asst k 8611110 Y your adieftol urwrtr ? assist. 0 Is 4ditl soft pfrrwls d Pb*d au WwK M tarar 111111111110. A up 4111011111111 am eft nsarota your ears a etrarrl" No your Isar Ed M b wars ft wAlrlft ye6a5ef wow of your Ira PUre go* If Par stet er aaflusl wesa,alyftrl b frYra 1ryw^ stiw err FUN" deft ftMkpft% pft b le ad 80141111 ysM1UM tarns, erirrrupuerry rivallsbya hnswinrtrertwlridax. Countrywide at P.O. Box 660694, Dallas, TX 75266-0694. You can are any other default by taking the following action wffu,r.. TurarY (301 DAYS of the data of •t& Mer. (Do not use if not aoolicablel IF YOU DO NOT CURE THE DEFALM T . It you do not cure the default within THIRTY L301 DAYS of the date of this Notice, the lord" Intends to exorcise its rights to accelerate the mortgage debt This means that the entire outstanding balance of this debt will be considered due Immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due Is not made within THIRTY (301 DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property IF THE 1110 AGE Is FOIREfy OSED UPON _ The mortgaged property will be sold by the SherW to pay off the mortgage debt. If the lendw refers your case to its attorneys, but you are the against you, you will still be required to the reasonable delinquency before the lender begins 50.00 proceedings legal proceedings are slanted pay attorney's lees that were actually irxxrred, hp to $50.00. However, if against you, you will have to pay all reasonable attorney's fees actually incurred by to 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. H you cure the default within the gKM,(30) DAY porlod, you will not be fees. squired to peg attorney's 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 CUM THIE DEFALA PRIOR TO RFF'g SALE - If you have not cured the default whin the THi2TY 1301 DAY period and foreclosure proceedings have begun, you still have the right to axe the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorney's 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 performing any other requirements under the mortgage. Curing your default In the manner set ft M In this notice will restore your mortgage to the saUm? position as N you had new defaulted. EARLIEST POSUKE SHERIFFS BALE DATE - it is estimated that the earliest date that such a Sheriff's Sale of the mortgage properly could be held woad be approxinnatsly six (6) morrta from to date of this itoNco. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to are the default will increase the longer you wait. You may find out at any time exactly what the required Payment or action will be by contacting the lender. HSlIlK TO CONTACT TM LENDER: Marne of Lender: Countrywide Nome Loans Serv/eing LP Address: P. Q Sox 660M DeNn, TX 75266-0694 Phone Number: 1-000.669-0102 Fax Number: 1.605-577.3432 Conhict Person: AM PYX-36 AfNnflon; Loan Counselor EFFECT OF 111111113Wrill IIALE, - You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy I. H you continue to live in the property alter the Sheiffs sale, a Iavrsult to remove you and your furnishings and other belongings could be started by the lender at any time. ASIN1YPTION OF MO@T ffiE - 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 ALSONAVE 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. Your loan is in default. Pursuant to your loan documents, Countrywide may, enter upon and conduct an inspection of your W?w let I 2204345570 property. The purposes of such an inspection are to (t) observe the physical condition of your property, (ii) verify that the property is occupied andlor (ii) determine the identity of the occupant. If you do not are the default prior to the inspection, other actions to protect the mortgagee's interest in the property (including, but not limited to, winterization, securing the property, and valuation services) may be taken. The costs of the above-descrOnd kspeations and property preservation efforts wilt be charq•d to your account as provided In your security Im6umert. If you are unable to cue the default on or before August 1, 2007, Countrywide wants you to be aware of various options that may be available to you through Countrywide to prevent a foreclosure sale of your property. For example: • Repayment Plan: It is possible Ittat you may be eligible for some form of payment assistance thr Our basic plan requires that Countrywide receive, up front, at least 'A of the amount ? un- current, and that the balance of the overdue amount be necessary ly ?9 the account defined period of time. Other paid, along with the regular monthly Payment, over a repayment plans also are available. • Loan Modification: Or, it is possible that the regular morthly payments can be lowered through a modification of the ban by reducing the interest rate and then adding the delinquent payments to the current loan balance. This foreclosure alternative, however, is limited to certain loan types. • Sale of You Property: Or, if you are wiling to sell you hone in order to avoid foreclosure, lt is possible that it* sale of you home can be approved through Countrywide even d your frame is worth less than what is owed on it. • Deed-in-Lieu: Or, If your property is free from other liens or encumbrances, and it the default is due to a serious financial hardship which is beyond you control, you may be eligible to deed you property directly to the Notehoider and avoid the foreclosure sale. If you are interested in discussing any of these foreclosure alternatives with Countrywide, you must contact us immediately. if you request assistance, Countrywide will need to evaluate whether that assistance will be extended to you. in the meantime, Countrywide will pursue all of its rights and remedies under the loan documents and as permitted by law, unless it agrees otherwise in writing. Failure to bring you ban current or to enter into a written agreement by August 1, 2007 as outlined above will result in the acceleration of your debt. Time is of the essence. It you have any question concerning this notice, please contact Loan Counseling Center immediately at 144X)- 6g-0102. I CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY CMWAMDMMTY 1A 4 Acorn HEStreet Adarns County InWbhh CCCS of Western PA 17104 "0 H ? t Housing Auriority 2000 estown Rood 717 2 3 50 40 PA 17325 Harrisburg, PA 17102 888.511.2227 717.334.1518 CC rm by Action Corr"asior Lovesi?p, Inc. M Region 1514 Derry Street 2320 North 51h Stmt Hwftbrrg PA 17110 arano to 43 r elp hle Avenue Hsrristxeg, PA 17104 , 717.232.2207 y 6?oib PA 17268 Waf7 Q 717 782 3285 717.232.8757 . . PHFA 211 North Front Street Hwrhburg,PA 17110 717.780.3840 SM342.2397 APPENDIX C PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES ADAMS COUNTY ARMSTRONG COUNTY American Red Cross - Hanover Chapter CCCS Pl Western slyania Inc. 217 E. Plank Road fiartotner PA 17331 217 E. Plank Road Altoona, PA 16602 Ph: 717,637-3768 1768 Altoona PA 16602 Ph: 814-9448100 Fax: 717.637-3294 Ph: 814-944-8100 fax 814-944-5747 Ph: 814-944-5747 Financial Counseling Services of Franklin 31 West 3" Street Waynesboro, PA 17268 Ph: 717-762-3265 CCCS of Western PA 2000 Linglestown Road H -dsburg, PA 17102 Ph: 717-541-1757 Ph: 717-541-4670 Adams County Housing Authority 139-143 Carlisle St Gettysburg, PA 17325 Ph: 717334-1518 Fax 717-334-W26 ALLEGHENY COUNTY Pennsylvania Housing Finance Agency {Madca Hess) 2275 Swallow H11 Rued - - .._._----- Building 200 Pittsburgh, PA 15220 Ph: 412-429-2842 Fax 412-429.2835 Action Housing, Inc. 425 6" Avenue Suite 950 Pittsburgh, PA 15219 Ph: 412391-1958 Ph: 412-281-2102 Ph: 000-792.2801 Fax 412.391.4512 CCCS of Western Pennsylvania, Inc. 309 Smithfield Street Pittsburyh, PA 15222 Ph: 412-471-7684 Ud= League of Pfitsburgh auftlig One St Weld Street PNNSbtrrgh, PA 15222-2222 Ph: 412,227-4802 Fax 412-261-5207 Mon-Valley Unemployed Committee 120 E. 9r' Avenue Haneslead, PA 15120 ' Ph: 412-462.9982 Credit Counselors of PA 401 WoodStreel Suhe 906 PWsburgh, PA 15222 Ph: 412-338.9954 Ph: 800.737-2933 Fero 412.338.9953 Community Action Southwest 22 West High Street Wafrneshurg, PA 15370 Ph: 724-852-2893 Housing Opportunities 133 Seventh-Sir" Post Office Box 9 McKeesport, PA 15132 Ph: 412-664-19W Fax 412-684-0873 Credit Counselors of PA 401 Wood Street Suite 906 Pittsburgh, PA 15222 Ph: 412-338-9954 Ph: 800-737.2933 Fax: 412-338-9963 Indiana Co. Community Action Program 627 Water Street Box 187 Indiana, PA 15701 Ph: 724-465-2657 Fax 724-465-5118 BEAVER COUNTY Action Housing, Inc. 425 a Avenue Suite 950 Pittsburgh, PA 15219 . Ph: 412-391-1956 Fax: 412-391-4512 Noising Opportunities of Beaver Co., Inc. 650 Corporation Street Suite 207 Beaver, PA 15009 Ph: 724-728-7511 Credit Counselors of PA 401 Wood Street Suite 906 Pittsburgh, PA 15222 Ph 412-338.9954 Ph: 800.737-2933 Fax 412-338-9963 Mon-Valley Unemployed Committee 120 E. a Avenue Homestead, PA 15120 Ph: 412.462-9962 Ph: 412462-9964 HaAn9 OPpalu+lfies Inc, 133 Seventh street Post Office Barr 8 McKeesport, PA 15134 Ph: 412-664-1906 Fax 412.664-0873 BEDFORD COUNTY SedfoN-Fulton Housing Services 10241 Lincoln Highway Everett, PA 15537 Ph: 814.623-9129 Fax 814-623-7187 Keystone Economic Development Corporaton 1954 Mary Grace Lane Johnstown, PA 15901 Ph. 814.535.6556 Fax 814-539-1688 Weachatration office 917 M111Fn Street Huntingdon, PA. 16852 Ph: 814.643.2343 Tableland Services, Inc. 535 East Main Street Somerset, PA 15501 Ph: 814-445-9628 Ph: 800-452.0148 Fax: 814-443-3690 BERKS COUNTY Budget CounseorB Center 247 North Fifth Street Reading, PA 19601 Ph: 610-375-7866 Fax 610-375-7830 Economic Opportunity Cabinet of SchuybkBi County 225 N. Centre Street PoNLSAIle, PA 17901 Ph: 7174622-1995 Fax: 71T-622-0429 C..... .... . CCS of Lehigh Valley 671 Crescent Court East Whitehall, PA 18052 Ph: 610-821-4011 Ph: 800-220,2733 (814 only) Fax 610.821-8932 Community Housing Counselor, Inc. Post Oflloe Boot 244 Kennett Square, PA 19346 Ph; 610.444-3682 Fax: 610.444.8243 GLAIR COUPfTY BedlOrd-Fulton Housing Services RA. 1, Boor 384 Everett, PA 15537 Ph: 814829-8129 Fax 8 14 423-71 87 CCCSo1 WestemPennsylvaNa, Ino. 217 E. P1enk Road Altoona, PA 1002 Pit 814.944.8100 Ph: 814444-6747 Keystone Economic Development Corp. 1954 Mary Grace Lane Joftrlslown, PA 15901 Ph: 814-595.8556 Fax: 814-539-1688 Weafhef(zWlon Office 917 Moon Street Huntingdon. PA 16652 Ph: 814-643-2343 ByADFORD COUNTY P to 1400 AbInillon Exectdive Park Clarks SumTtttt, PA 18411 Ph: 570.587-9163 Pit 800.922-9537 Fax: 570.587.9194 Fax 570.587.8195 311 W. Matket Street Wilkes-Barre, PA 18702 Ph: ti7MI-0837 Ph: 800.922-9537 Fax 570.821.1785 9 South 71' SlrW Stroudsburg, PA 18360 Ph: 570420.8980 Ph: 800-922-9537 Fax: 570-420-8981 1631 S. Atherton Street Suite 100 State College, PA 16601 Ph: 814-238-3668 Fax: 814-238-3660 The Trehab Center of Northeastem PA 10 Pubffc Avenue Montrose, PA 18801 Ph: 570.278-3338 Ph: 800-982-4045 Fax 570-278-1889 German Street Post Office Box 389 Oushore, PA 18614 Ph: 570-9213-9668 Fax 570-928.8144 33 Walnut Street Welisboro, PA. 16901 Ph: 570-724-5252 Fax 570-724-57133 185 Elmira Street Post Office Box 218 Troy, PA 1(3947 Ph: 570-297-2101 103 Warren Slreel Post Office Box 709 Tunkhannock, PA 16657 Ph: 570-836.6840 Fax 570-836-6332 I 931 Main Street Honesdale, PA 18431 Ph 570-253-8941 Fax 570-2534817 9890.! COUNTY Acorn Housing Corporation 846 North Broad Street Philadelphia, PA 19130 Ph 216-765.1221 Fax; 215-765-1427 1tes Richard Bucks Comfy Housing Group, Inc Largh0mA PA 19047 Ph: 215-750-4310 Fax 215-760.4318 HAOE 167 Alegheny Avenue, - Floor Philadelphia. PA 19140 Ph: 216-426.8025 Fax 215-426.9122 Community Development Corp. of Frankford 4620 Griscom Street Philadelphia, PA 19124 Ph: 215.744.29W Fax 215-7442012 Northwest Counseling Service 5001 North Broad Street Philadelphia, PA 19141 Ph: 215-32475W Fax 215-324-8753 a CCCS of Delaware Valley 1515 Market Street- Suite 1325. Philadelphia, PA 19107 Ph: 215-563-5665 Fax 215-864-2666 CCCS d Odaware Valley Trevose Corporate Center 4606 Street Road Trevose, PA 19047 Ph: 215.563-5665 CCCS Of Lehigh Valley 3671 Cmscent Court East Whitehall, PA 18052 Ph: 610-821-4011 Ph: 800.220.2733 Fax: 610-821-8932 American Credo Counseling irtsgtule 845 Coates Street Coatesville, PA 19320 Ph: 888-212-6741 144 E. Dekalb Pike King d Prussia, PA 19406 Ph: 610-971-2210 Fax: 610.265.4614 755 York Road Suite 103 WarmklSter, PA 18974 Ph: 215-444-9429 Fax 215-956-6344 BUTLER COUNTY Aclian Housing, Inc. 425 6° Avenue Suite 950 Pittsburgh, PA 15219 Ph". AR-19A.-AM _ Ph: 412-281-2102 Housing Opportunities, Inc. 650 Corporate St. Suite 207 .McKeesport, PA 15132 Ph: 412-664-1590 FaDc 412.664.0873 Housing Opportunities, Inc. 133 Seventh Street Post Office 80x 9 McKeesport, PA 15134 Ph: 412-684-1906 Fax 412.664-0873 CCCS Of Wesietn PA 219-A College Park Plaza Johnstown. PA 15904 Ph: 814-539-0335 CCCS of Western PA 2 f7 E. Plank Road Akoona, PA 16602 Ph: 814-944-8100 Fax: 814-944-5747 Keystone Econ Development Corp. f954 Mary Grace Lane Johnstown, PA 15901 - Ph: 814335-6556 Fax 814-539-1668 Tableland Services, Inc. 535 East Main Street Somerset, PA 15501 Ph: 814-445-9628 Ph: 800-452-0148 Fax 814-443-3690 CAMERON COUNTY NoMlern Tier Community Action Corp. Post Office Box 389 135 West 4" Street Emporium, PA 15834 Ph: 814-486-1161 Fax 814-486-0625 CCCS of Northeastern PA 1631 S. Atherton Street Suila 1.00 . State College, PA 16801 Ph: 814-238-3668 Fax 814-238-3669 CCCS of Western PA 217 E. Plank Road Alloona, PA 16602 Ph: 81 4 944-8100 Fax 814-944-5747 CCCS of Western PA YMCA Bui*V 339 North Washington Street Buffer, PA 16001 Ph: 724-282-7812 Mon-Valley lloenlployed Convnltlee 120 E. 9n Avenue Homestead, PA 15120. Ph! 412-482.9962 Fax 412-462.9864 Credit Counselors Of PA 401 Wood Street, Suute 906 Pittsburgh, PA 15222 Ph: 412-338-9954 Ph: 800-737-2933 Fax 412-338.9963 CAMBRIA COUNTY Bedford-Fulton Housing Services R.D. 1, Box 384 Everett, PA 15537 Ph 814.623-9129 Fax 814.623-7187 Indiana Cry Community Action Program 827 Water Street, Box 187 k diana, PA 15701 Ph: 412.465-2657 Fax 412.465-5118 CARBON COUNTY EOC of SctWk N County 225 N. Centre Street Pottsville, PA 17901 Ph: 576-622-1995 Fax 670-622-0429 CCCS of Lehigh Valley 3671 Crese t Court East Whitlthell, PA 18052 Ph: 61"21-4011 Ph: OW420-2733 (717 and 814 only). Fax 610.821-0197 CCC6 ef Northestem PA 1400 Abington Executive Park $00 1 CParks Summift, PA 18411 Ph: 570.587-9163 Ph: 800-922-9537 Fax 570-587-9134 Fax 570-587-9135 9 South 7'h Street Stroudsburg, PA 18360 Ph: 570420-8960 Ph: &00.922-9537 Fax 570.420-6981 Commission on Economic Opportunity of l uzeme County 163 Amber Lane Wllkes-Barre; PA 18702 Ph: 570826-0510 Ph: 800822-0359 Fax 570829-1665-Call before faxing Ph: 570455-4994 - Hazettoo Fax: 570.455-5631- 00 before faxing Ph: 570836-4090 - Tunkhannock 31 W. Market Street Wilkes-Barre, PA 18702 Ph: 570421-0837 Ph: SW-922-9537 Fax 570.821.1785 1631 S. Atherton Street Suite t00 Stale College, PA 16801 Ph: 814-238-3668 Fax: 814-238.3669 CENTRE COUNTY CCCS ennsyivania Inc. 217 E. Plank Road All-a, PA 16602 Ph: 814-944.8100 Fax 814-944-5747 Lycoming-Ginlon Co. Comm. For (STEP) Community Action 2138 Lincoln Street Post Office Box 1326 Williamsport, PA 17703 Ph: 570326-0587 Fax 570.322-2197 CCCS of Northeastern PA 1631 S. Atherton Street Suite 100 Stale College, PA 16601 Ph: 814-238.3668 Fax 814-238-3669 CCCS of Northeastern PA 201 Basis Street Williamsport, PA 17703 I Ph- 570323-6627 Fax: 570.323-6626 CHESTER COUNTY Acorn Housing Corporation 846 North Broad Street Ph=12219130 Fax 215-765.1427 Budget Counseling Center 247 North Fifth Street Reeding, PA 19601 Ph: 610-375.7866 Fax 215-375.7630 HALE 2- F? egheny Avenue Philade0k PA 19140 Ph: 215.426.80255 Fax 215-426-9122 Media Fellowship House 302 S. Jackson Street Media, PA 19063 Ph: 610-565-DW Fax 610-565-8567 Tabor Community Services, Inc. 439 E. King Street Lancaster, PA 17602 Ph: 717-397-5182 Ph: 800-788-5062 (H.O. only) Fax 717-399.4127 American Red Cross Of Chester 1729 EdgaMOrd Avenue Chester, PA 19013 Ph: 610-874.1484 Northwest Counseling Services 5001 N. Broad Street Ph: ad 79141 Fax 215-324.8753 CCCS of Delaware valley, 1515 Ma" Slreel Smite 1325 Philadelptli3, PA 19107 Ph: 215-563-5665 Fax: 215-563-7020 C MMliry Housing Counseling Inc. Post Office Box 244 Karmen Square, PA 19348 Ph: 610444.3682 Fax 610-444.8243 Phiia Council for Community Adv. 100 North 17" Street Suite 600 Philadelphia PA 191M Ph: 215-567-7803 Fax 215-961.9941 Community Development Corp of Frantkford Group Ministry 4620 Griscom Street Philadelphia, PA 19124 Ph: 215-744-2990 Fax: 215-744-2012 CCCS of Delaware Valley Marshall Building 790 E. Market Street Suite 215 West Chester, PA 19382 Ph: 215-563-5665 American Credit CounseU Institute, 1345 Coates Street Coatesville, PA 19320 Ph: 888-212-6741 144 E. Dekalb Pike 1019 of Prussia, PA 19406 Ph: 610-971-2210 Fax 610265-4614 755 York Road Suite 103 Warminster, PA 18974 Ph: 215-444-9429 Fax: 215-9566344 CLARION COUNTY CCCS- Of?Westem Pennsylvania, Inc. YMCA BtSft 339 North Washington Street Buller, PA WWI Ph: 412-282-7612 RNREIA COU LY. "MO E anlccbn?Development ? Mary Grace Lane Johnstown, PA 15901 Ph: 814-5356556 Fax 814-539-1688 CCCS of Western Pennsylvania Inc 217 E. Plank Rued Mloona PA 16602 Ph: 614.944-6100 Fax 814-944.5747 Indiana Co. Community Action Program 827 Water Street Box 187 Indiana, PA 15701 Ph: 724.465-2657 Fax 724-465-5118 CCCS of Nodheaslem PA 1631 S. Atherton Street SuNe 100 State College. PA 16801 Ph. 814.238-3668 Fax: 814-238.3669 CCCS Of Western PA 219 A College Park plaza Johnstown, PA 15904 Ph: 814-5394335 CLINTO-- N_ COUNTY LYrrg CFtNm Counties 21 ttY Action (STEP) Post Owe BOX 1328 WilQVMPOrt PA 17703 Ph: 570-326.0587 Fax 570-322-2197 CCCS d Northeastern PA 201 Basin Street Williamsport PA 17703 Ph: 570323-6627 Fax: 570-323-6626 CCCS Of Northeastern PA 1631 S. Atherton Street SuHe 100 State College. PA 16601 Ph: 8 f 4.23&3668 Fats: 814-238-3669 gMBIA COUti'Ty 9CCS of Northeastern o h • ia 31 W. Market Street Post Office Box 1127 Wilkes-Barre, PA 18702 Ph: 570821-0837 Ph: 800-922-9537 Fax:_ 57,042x1-1786. . Commission on Economic Opportunity of Luzeme County 163 ArnberLene Wickes-Barre, PA 18702 Ph: 570-82&0510 Ph: 800822-0359 Fax 570.829-1665 - Call before faxing Ph: 570-455.4994 -Hawlion Fax: 570-455-5631- Calf before faxing Ph: 570.836-4090 - Tunkhannock 1400 Abington Executive Park Suite 1 Ctarka SUmmitt, PA 10411 Plc 570587~9163 Ph: 800.922-9537 Fax: 670587.9134 Fax: 570,687-9185 CFO---` Booker T. Wlssttinplpl Center 1720 Holloro ! Erie, PA A 16ft 1 Ph: 814-453.5744 Fax 814-453-5749 John R i(ennedy Center, Inc. 2021 East 205i Street Ede, PA 16510 Ph: 814.898-0400 Fax 814-898-1243 Greater Ede 8 Wes 91,StreetnuMty Action Committee Ede, PA 16501 Ph: 814.459-4581 Fax: 814-4%ota1 Shen8n9O Valley Urban League. Inc. 601 Irldlana Avenue Farrell, PA 16121 Ph: 412-981-5310 CUMBER LANOS9 UM CCCS of Western Pennsylvania, Inc. 2000 Unglestown Road Harrisburg. PA 17102 Ph: 717-5.41-1757 Urban league of Melropo6lan Harrisburg N.6 Sueet Harrisburg, PA 17101 Ph: 717-234-5925 Fax 717-234.9459 Community Action Comm, of the Capital Region 1514 Derry Street Harrisburg, PA 17104 Ph: 717-232-9757 Fax: 717-234-2227 Financial Camseing Services of Franklin 31 West 3" Street Waynesboro, PA 17268 Ph: 717-762-3285 YWCA of Carlisle 301 G Street Carlisle, PA 17013 Ph: 717-243-3818 Fax: 717-731-9589 Adams County Housing Authority 139.143 Carlisle Street Gettysburg, PA 17325 Ph: 717-334.1518 Fax: 717.334-8326 DAUPHIN COUNTY CCCS of We-stem Pennsylvania, Inc. 2000 Unglestown Road Harrisburg, PA 17102 Ph: 717-541.1757 Fax- 717-541-45'70 Community Action Commission of the Capital Region 1514 Derry Street Harrisburg, PA 17104 Ph: 717-232-9757 Fax: 717-234-2227 Urban LeTue of Metropoiiian Harrisburg 2107 N. 6 Street Harrisburg, PA 17101 Ph: 717-234-5925 Fax: 717-234-9459 DELAWARE COUNTY Acort1'Housktg Caporation 846 North Broad Street Philadelphia,. PA 19130 Ph: 215-765.1221 Fax: 215-765-1427 CCCS of Dda vane Valley 1515 Markel Street Suke 1325 - Philadelphia, PA 19107 Ph: 215-563-5665 Fax 215-864.2666 • Media Fellowship House 302 S. Jackson Street Medial, PA 19063 Ph: 610-565.0646 Fax 610-565.8567 Philadelphia Council for Community Advancement 100 North 17" Street Suite 600 Philadelphia, PA 19103 Ph: 215-567.7803 Fax 215-963-9941 American Red Cross of Chester 1729 Edgmonl Avenue Chester, PA 19013 Ph: 610.674-1484 ACCT 175 Strafford Avenue Suite I Wayne, PA 19087 Ph: 610-971-2210 Fax: 610-687-7860 Northwest Counseling Service 5001 North Broad Street Philadelphia, PA 19141 Ph: 215-324-7500 Fax 215-324-8753 HACE 167 W. Allegheny Ave., 2' Floor Philadelphia, PA 19140 Ph: 215-426-8025 Faz: 215-426.9122 community Housing Counselor, Inc. Post Office Box 244 Kennett Square, PA 19348 Ph: 610-444-3682 Fax: 610-444-6243 Community Oevet Corp of Frankford Group Mlntsiry 4620 Griscom Street Philadelphia, PA 19124 Ph: 215-744-29W Fax: 215-744-2012 CCCS of Delaware Valley 280 North Providence Road Media,.P&A . Ph: 215-563-5665 ACCT 144 E. Dekalb Pike King Of Prussia, PA 19406 Ph: 6t0-971-2210 Pager: 610-973-6219 ELK COUNTY - John F. Kennedy Center, Inc. Fast 20" Street Erie, PA 16510 Ph: 814.698-0400 Fax. 814-898-1243 Northam Tier Community Acton Corp 2021 Post Office Bar 389 135 West 41h Street Empakxn, PA IW34 Ph: 814-486-licit Fax 814488-0825 ER E Book¢rRMIglatCenter 1720 Noland Street Erie, PA 16503 Ph: 814.453.5744 Fax: 814-453-5749 John F. Kennedy Center, Inc. 2021 East 20r' Street Edg, PA 16510 Ph: 814-8960400 Fax 814-898-1243 Greater Erie Community Action Comrnlnes 18 West a Street Erie, PA 16501 Ph: 814.459.4581 Fare 814-456-0161 FAYETE COUNTY Action Housing, Inc. 425 a Avenue Sake 950 Pittsburgh, PA 15219 Ph: 412-391-1956 Ph: 412-281-2102 Fax 412-391A512 CCCS of Western Pextsylwaria, W. 1 North Gate Squarg 2 Garden Center Drive Greensburg, PA 15601 Ph: 724-838-1290 Tableland Services, Inc. 131 North Center Avenue Somerset, PA 15501 Ph: 814-445.9628 Fax: 814-443-3690 Mon Valley Unemployed Committee 120 E. 9' Avenue Homestead, PA 15120 Ph: 412-462-9962 Community Action Southwest 22 West Haigh Street Waynesburg, PA 15370 Ph: 724.852-2893 Fayette Co Community Action Agency, Inc. 137 North Beeson Avenue Uniontown, PA 15401 Ph: 724.437-60.50 Ph: 800-427-INFO Fax: 724-437-4418 CCCS of Western PA 199 Edson Streel Uniontown, PA 15401 Ph: 724-439-8939 FOREST-COUNTY Warren-Forrest Counties Economic Opportunity Council 204 Liberty Street Past Office Box 547 Warren, PA 16365 Ph: 814-726-2400 Fax: 814.723.0510 FRANKLIN COUNTY Fklanciel Services Unimited 31 West 3"Street Waynesboro, PA 17268 Ph: 717-762-3285 CCCS of Western Pennsylvania, Inc. 912 South George Street York, PA 17403 Ph: 717-846.4176 Conlnm IRY Action Commission of Qotaf Region 1514 Derry Street Harrisburg, PA 17104 Ph: 717-232-97.57 Fax: 717-234-2227 CCCS of Western PA 2000 Lingiestown Road Harrisburg, PA 17102 Ph: 717-541-1757 Fax 717-541-4670 YWCA of Carisle 301 G Street Carlisle, PA 17013 Ph: 717.243-3818 Fax 717-243-3948 American Red Cross-Hanover Chapter 529 Carlisle Street Hanover, PA 17331 Ph: 717-637-3768 Fax: 717-6372294 Urban Leo .Rue of Melropoilan mg. 2107 N. Street 717, PA5925 17101 P?h:sbor9234-- Fax 717-234.9459 139 -143 Cadisl9 StreetAutt GettysUn, PA 17325 Ph: 717-334-1516 fax 717-334-8326 FULTON COUNTY Bedf filBOnoM Housing Services H.O. 1. Sox 364 Everett, PA 15537 Ph: 814-623-9129 Fax: 814-623-7187 CCCS of Weslem Pennsylvania Inc. 912 So th George Street York, PA 17403 Ph: 717-846-4176 Financial Counseling Services of Franklin 31 West 3r0 Street Waynesboro, PA 17268 Ph: 717-762-3285 Wealherizalion Office 917 Mifflin Street Huntktgd0n, PA 16652 Ph: 814-643.2343 GRISENE COUNTY Action Housing, '- 425 6"i Avenue Suite 950 Pittsburgh, PA 15219 Ph: 412-391-1956 Fax: 412-391-4512 Community Action Southwest 22 West High Street Waynesburg, PA 15370 Ph: 724-852-2893 Fax: 724-627-7713 Mon-Valley Unemployed Committee 120 E. 95-' Avenue Homestead, PA 15120 Ph: 412-462-9962 Fax: 412.462-9964 - CCCS of Weshetl Pennsylvania, Inc. 1 North Gate Square 2 Garden Center Drive Greensburg, PA 15601 Ph: 724-838-1290 HUNTINGDON COUNTY t9edford F Aot R.O. 1, am 384 Housklg SeMces Everett, PA 16537 Ph: 814-62&9129 1- 814.623-7187 Weathedzatlon office 917 AN(O 1 Street Huntkgdon,PA 16652 Ph: 814-643-2343 CCCS0I Western Pennsylvania Inc 217 E. PIw* Road Alloona, PA 16602 Ph: 814-944.8100 Fa)c 814-944-5747 INDIANA COUNTY CCCS of pennsylvania Inc. 1 North Gate Square 2 Garden Center Drive Greensburg, PA 15601 Ph: 724-838-1290 Keystone Economic Development Corporation 1954 Mary Grace Lane Johnstown, PA 15901 Ph: 614-535.6556 Fax: 814-539-1668 62k7i WaterSt?BOX 167 Indiana, PA 15701 Ph: 724-465-2657 Fax 724-465-5118 CCCS d Westem PA 219-A College park plaza Johnstown, PA 15904 Ph: 614-539-6335 JEFFERSON COUNTY John F. Kenna Center. Inc. 2021 East 206 Street Erie, PA 16510 Ph: 814-898-0400 Fax: 814-898-1243 Indiana County Community Action Program 827 Water Sweet, Box 187 Indiana, PA, 15701 Ph: 724-465-2657 Fax: 724-465-St1B CCCS of Western Pennsylvanfa, Inc YMCA Building 339 North Washington Street Buller, PA 18001 Ph: 724.282-7812 JUNIATA COUNTY CCCS of Western Pennsylvania, Inc. 217 E. Plank Road Altoona,.PA _16602 Ph: 814.944$100 Fax: 614-944-5747 Weatherization office 917 Mifflin Street Huntingdon, PA 16652 Ph: 814643-2343 N.ACKAWAINA COUNTY CCCS of North tam Pennsylvania 31 W. Market Street Post Office Box 1127 Wilkes-Barre, PA 18702 Ph: S70.821-0837 Ph: 800-922-9537 Fax 570-821-1785 1400 Abington Executive Park Suite 1 Ckft Summitt, PA 18411 Ph: 570387.9163 Ph: 800,955.9537 Fatc 570.SP-9134 Falk 670-587-9135 LANCASTER COUNTY Community Housktg Counselors, Incorporated Post Office Box 244 Kennett Square. PA 19348 Ph: 215-444-3682 Fax 215-444-3178 CCCS of Western Pennsylvania, 912 South George Street York, PA 17403 Ph: 717-846-4176 CCCS of Lehigh Valley 3671 Crescent Cant East Whitehan, PA 18052 Ph: 215-821-4011 Ph: 800-220.2733 (717 and 814 only) Fax: 215-821-8932 Tabor Community Services. Inc. 439 E. IGrtg Street Lancasler, PA 17602 Ph: 717-397.5182 Ph: 800-788-5062 Fax: 717-399-4127 LAW "CE COUNTY . A Was m Pennsylvania Federal Plaza Suite 406 North M8 Street New Castle, PA 16101 Ph: 724-652.6074 312 Chestnut Street Suite 227 Meadville, PA 16335 Ph: 814-333-8570 Shenango Valley Urban League, Inc, 601 Indiana Avenue Farrell, PA 16121 Ph: 724-981-5310 "busing Oppotuni8es of Beaver County 650 Corporation St. Suite 207 Beaver, PA 15009 Ph: 724-728-7202 Fax: 724-728-7202 t-EBANON COUNTY Economic Oppotunity Cabnet of Schuylkill County 225 North Cenlre Street Pottsville, PA 17901 Ph: 570-622-1995 Fax .70-622-0429 Tabor Community Services, Inc. 439 -E 16ng Street -- Lancasler, PA 17602 Ph: 717-397-5182 Ph: 600-786-5062 Fax: 717-399-4127 LEHIGH COUNTY CCCS of Lehigh Valley 671 Crescen( Court East Whitehall, PA 18052 Ph: 610-821-4011 Ph: 800-220-2733 (717 and 814 only) Fa): 610-821-8932 Camb Opportunity Cabinet of Schuylkill 225 Will Centre Street Pottsville, PA 17901 Ph: 570-622.1995 Fax: 570-622-0429 MUM G/ZUa ?.?4Cdtu1tlaastem Pennavlvn.?j 31 W. lN(Ifltat 8fre '' Post Office Elm 1127 WIlkes-Barre, PA 18702 Ph: 570-8214837 Ph: 800-922-9537 Fax: 570.821-1785 11400 Abington Execulfve Park SUlle 1 Clarks Summill, PA 18411 Ph: 570-587-9163 Ph: 800-955-9537 Fax 570.587-9134 Fax 570.587.9135 Commission on Economic Oppodunity of Luzern County 163 Amber Lane WNkes-Barre, PA 18702 Ph: 570.826.0510 Ph: 800-822-0359 Fax 570-829.1665. Can before faxing Ph: 570-455-4994 - Hazelton Fax: 570-455-5691 - Can before fwortg Ph: 570-836.4090- Tonkhanftock EOC of Schuyndlt oft* 225 North Centre street Poltsvi6e, PA 17901 Ph, 570-622-1995 Fax 570-622-0429 LYCOMMIG COU 31 W. Market Street Post Office Box 1127 Wilkes-Barre, PA 18702 Ph: 570-821-0837 Ph: 800-922-9537 Fax 570-821-1785 1400 Abington Executive Park Suite 1 Clarks Summon, PA 18411 Ph: 570-587-9163 Ph: 800-922-9537 Fax 570-587.9134 Fax: 570-587-9135 201 Basin Street Wiflamsport, PA 17703 Ph: 570323-6627 Fax 570-323.6626 LYcoming-Clinton Counties Commission for Community Action (STEP) 2138 Lincoln Street Post Office Box 1328 Williamsport, PA 17703 Ph: 570-326-0587 Fax: 570-322-2197 MCKE?AN COUNTY John F. Kennedy Center, Inc. 2021 East 20ll street Ph: 814-898-0400 Fax 814-898-1243 Northern Tier Community Action Group Post Office Box 389 135 W. 4" Street Emporium, PA 15834 Ph: 814.486.1161 Fax: 814-486-0825 MERCER COUNTY Shenango Valley Urban League, Inc. 601 Indiana Avenue Farrel, PA 16121 Ph: 7`24-981-5310 CCCS or Western Pennsylvania, Inc. YMCA Building 339 North Washington Street Butler, PA 16001 Ph: 724.282.7812 u COUNTY CCCS Of western Pennsylvania, Inc. 217 E Plank Road Ailoona, PA 16602 Ph: 814-944-8100 Fax 814-944-5747 CCCS of Northeastern Pennsylvania 1631 S. Atherton Street Suite 100 Stale Cortege, PA 16801 Ph: 814-238-3668 Fax 814.238-3669 Weatherization office 917 Mifflin Street Huntingdon, PA 16652 Ph: 814.643-2343 MONROE COUNTY CCCS of Nodhea<ror_n Pennsvtva,t 31 W. Market Street Post Office Box 1127 Wilkes-Barre, PA 18702 Ph: 570-821-0837 Ph: 800-922-9537 Fax: 570-821-1785 9 South 7* Street Stroudsburg, PA 18360 Ph: SM-420SM Ph: 800-922.9537 Fax 570-420-8981 1400 Abington Executive Park Suite 1 Clarks Sunmitt, PA 18411 Ph: 570-587-9163 Ph: 000..922-9537 Fax 570.587-9134 Fax 570-587-9135 Comm on Economic Opportunity of Luzeme County 163 Amber Lane Wilkes-Barre, PA 18702 Ph: 570.826-0510 Ph: 800-822-0359 Fax 570.829-1665 - Call before faxing Ph: 570455.4994 - Hazellon Fax: 570.455.5631 - Can before faxing Ph: 570.836-40W - Tunkhannock MONTGOylERY COUNTY Acorn Housing Corporation 846 North Broad Street Philadelphia, PA 19130 Ph: 215-765-1221 Fax 215-765-1427 CCCS of Delaware Valley Norristown Business Center -190 W_..GeommtownPike, Suite 140 Norristown, PA 19401 Ph: 215.563-5665 CCCS of Delaware Valley 1515 Market Street, Suite 1325 Philadelphia, PA 19107 Ph: 215-563-5665 Fax 215-864-2666 Northwest Counseling Service 5001 N. Broad Street Phladelphia, PA 19141 Ph: 215-324-7500 Fax 215-324-8753 Community Action Development Comm t 13 E. Main Street Nordstowrl, PA 19401 Ph: 810.277.8363 Fax: 610.277-2123 ComrrKtrllty Housing Counselors Inc. Post O1ik1l Box 244 Kwo INli , PA 19348 Fax: 215.444-6243 Media Fellowship House 302 S. Jadcsott Street Media, PA 190113 Ph: 610-5115.0846 Fax 610-565.8567 Phna Cornell for Community Advrm 100 North 17 1 Street, Suite 600 Philadelphia, PA 19103 Ph: 215.567.7803 Fax 215-963.9941 man Credit Counseling Insgule 845 Coates St Coatesville, PA 19320 Ph: 888.212-6741 144 E. Dekaib Pike Kng O(Prussia, PA 19406 Ph: 610-971-22to Fax 610-265-4814 755 Yak Road Suite 103 Wamw>.ster, PA 18974 Ph: 215.444-9429 Fax 215-956.6344 MONTOUR COUNTY $ of Nutkte?a.,m Pennsvlvania 31 W. Markel Street Past Office Boor 1127 Wilkes-Barre, PA 18702 Ph: 570-621-0837 Ph: 800-922-9537 Fax 570-821-1785 1400 Abington Executive Park Suite i Clarks Summitt, PA 18411 Ph: 570-587-9163 Ph: 800-922-9537 Fax 570-587-9134 Fax 570-587-9135 CNCOCRS THd HLAeMhPigh TON COUNTY V?ley 3671 Crescent Court East Whitehall, pA 18052 Ph: 610.821-40i 1 Ph: WO-220-2733 (717 and 814 arty) Fax 610-821-8932 NORTHUMBERLAND COUNTY CCCSS 21 N-ortheastem Pennsylvania 31 W. Markel Streat. Post Ottise Boir 11;17.. . Wilkes-Barre, PA 18702 Ph: 570-821-0837 Ph: 800-922-9537 Fax 570-821-1785 1400 Abington Executive Park Suite 1 Clarks Summitt, PA 18411 Ph. 570-587-9163 Ph: 600-922-9537 Fax: 670-587-9134 Fax 570-587-9135 201 Basin Street WNISMSport, PA 17703 Ph: 570.323-6627 Fax 570.323.6626 Comic Opportunity Cabinet of Scht4U 225 North Centre Street PORSVEe, PA 17901 Ph: 570-622-1995 Fax: 570-622-M PEBR-"Y COUNTY CCCS of-Westarn Pennnsylvania, Inc. 2000 Unglestown Road Hanisbur9, PA 17102 Ph. 717-541-1757 Fax 717-541.4670 Urban LeaRue of Metropolitan Harrisburg 2107 N. a street Hartlsbtx9, PA 17101 Ph: 7i7-234-5925 Fax 717-234-9459 YWCA of Carlisle 301 G Street Carlisle, PA 17013 Ph: 717-243-3818 Fax 717-2433948 31 West Sen4ces of Franklin e Street Waynesboro, PA 17268 Ph: 7117-762-328s WeaUlerizailon office 917 Wm Street Huntingdon, PA 16652 Ph: 814-043-2343 COITIMUnky Action Commission of The Capital Fleglon 1514 Derry Street Harrisburg, PA 17104 Ph: 717-232-9757 Fax tiT-234-2227 _PWLAOELPHIA COUNTY Acorn Housing Corporation 846 North Broad Sired Philadelphia PA 19130 Ph: 215.765-1221 Fax 215.765-1427 Northwest Counseling Service 5001 N. Broad Street Philadelphia, PA 19141 Ph: 215-324-7500 Fax: 215-324-8753 CCCS of Detaware Valley 1515 Market Street Suite 1325 PhBaddpNa, PA 19107 Ph: 215-563-5665 Fax: 215.864.2666 HALE 167 W. Allegheny 2"" Floor Philadelphia PA 19140 Ph: 215-426-8025 Fax 215.426-9122 Medialwowship House 302 S. Jackson Street Media, PA 19063 Ph: 610-565-0646 Fax: 610-565-6567 PCCA 100 North 17° Street Suite 600 Philadelphla, PA 19103 Ph: 215-567-7803 Fax: 215-963-9941 CCCS of Delaware Valley One Cherry Hit Suite 215 Cherry Hit, NJ 08002 Ph: 215.5635666 HWShV'AssocWon of Delaware Valley 1500 Walnut Street Suile 601 PNWW Ph, 21$ * PA 19102 Fate 215-790-9132 t "Ing Association of Delaware Valley 658 North Waits Street Phlladelphaa, PA 19123 Ph: 215-978-0224 Fax 215-765-7614 Community Devel. Corp. of Frankford Group Ministry 4620 Gdscom Street Philadelphia, PA 19124 Pit 215-744-2990 Fax 215-744-2012 American Credit Counselina Institute 845 Coates Street Coatesville, PA 19320 Ph: 888-212.6741 144 E. Dekalb Pike Mg O(PrussiA PA 194W Ph: 610-971-2210 Fax 610-265.48`14 755 York Road Suite 103 Warminster, PA 18974 Ph: 215.444-9429 Fax: 215-956.6344 PIKE COUNTY sus tx N2measteen Pealsvlvania 31 W. Market Sired Post Office Box t 127 Wlkes-Barre, PA 18702 Ph: 570-021-0837 Ph 800-922-9537 Fax 570-821.1785 9 South 7" Street Stroudsburg, PA 18360 Ph: 570-420-8980 Ph: 000-922-9537 Fax 570420.8981 1400 Abington Executive Park Suite 1 Clarks Summitt, PA 16411 Ph: 570-587-9163 Ph: 800-922-9537 Fax: 570-587-9134 Fax 570-587-9135 POTTER COUNTY Northern Tier Community Action Croup 135 West 0 Street Emporium, PA 15834 Ph: 814-486-1161 Fax: 814-486.0825 SCHUYLKILL COUNTY Budget Counseling Center 247 North Fifth Street Reading, PA 19601_ 610-375-7666 Fax: 610-375-7830 Commission on Economic Opportunity of Luzeme Co. 163 Amber Lane Wilkes-Barre. PA 18702 Ph: SM826-0510 Ph: 800-822-0359 Far 570-829-1665 - Call before faring Ph: 570-455-4994 - Hazellon Fax: 570.455.5631 - Cal beforp faring Ph: 570-836-4090 - Tunkhannock Economic Opport Cabirlet o(Schuylkil Co. 225 N. Centre Sired Podsvt'Qe, PA 17901 Ph: 570-1995 Fax: 570.622-0429 CCGS of Post Ofte BOX A Whitelhal14 PA 18052 Pit 610.82t-4011 Fax: 610$21-8932 SNYDER COUNTY CCCS of VYeslem Pexlsyivartia, Inc. 2000 Unglaslown Road Harrisburg, PA 17102 Ph: 717-541-1767 ,Fax: 717-541.4670 Community Action Commission of the Capital Region 1514 Derry Street Harrisburg, PA 17104 Ph: 717-232-9757 Fax 717-234-2227 Urban League of MN(opo6tan Harrisburg 2107 N. 6° Street Harrisburg, PA 17101 Ph: 717.234.5925 Fax 717-234-9459 SOIyERSEf COUNTY Bedford-Fuhar Mousing Services RD. 1.8ox 364 Evert, PA 15537 Ph 814-623.9129 Fax 814-6M-7187 CCCS of Western Pennsylvania. Inc- I North Gate Square 2 Garden Cuter "e Greensburg, PA 15601 Ph 724-838-1290 Tableland Services Inc. 535 East Main Street Somerset, PA 15501 Ph: 814-445-9628 Ph: 800-452-0148 Fax 814-443-3690 Keystone Economic Development Corp. 1954 Mary Grace Lane Johnstown, PA 15901 Ph: 814-535-8556 Fax 614-539-1688 CCCS of Western PA 219-A College Park Plaza Johnstown, PA 15904 Ph: 814-539-8335 SULLIVAN COUNTY CCCS of f4onheectom Pennsylvania 1444_N11n910-11.txeRllttve. Park. Suite 1 larks Summit(, PA 18411. Ph: 570-587-9163 Ph: 800-922.9537 Fax- 570387-9134 Fax: 570-587-9135 31 W. Market Street Wilkes-Barre. PA 18702 Ph: 570-821.0837 Ph: 800-922.9637 Fax: 570-821-1785 T11e Trehab Center O( Non a tern PA 185 ElrYlyd SVeet Post Office Box 218 Troy, PA 16947 Ph: 570-297-2101 Far- 570-297-2799 17 Crafton Street WoLsbom, PA 16901 Pk 570-724-5252 Fete 570-724783 103 Warren Street Post Office Box 709 Ttinklwnocl4 PA 18657 Ph: 57043644 Fax 570.836.6332 German Street Past Office eft 389 Dushor% PA 18614 Ph: 570-928-9668 Fax: 570-928-8144 9311 Main Street Honesdale, PA 18431 Ph: 570-253-8941 Fax 570-253.4817 7 Lake Avenue Box 339 Montrose, PA 18801 Ph: 570-278.3338 Ph: 1100-982.4045 Fax: 570-278.1889 SitSCitJE>i1yli&CQL " 103 warren SUM CCCS d N dM_slem Pennsylvania Post Office Box 709 1400 Abington Executive Park T-Ikhannock, PA 18657 Suite 1 Clarks Summitt PA 18411 Ph: 570-836-6840 , Ph: 570-587-9163 Fax: 570-836-6332 Ph: 800-922-9537 931 Main Street Fax 570-587-9134 Honesdale, PA 18431 Fax: 570-587-9135 Ph: 570-2538941 31 W. Market Street Fax: 570-253-4817 Wilkes-Barre, PA 18702 The Trehab Center of NE PA Ph: 570-6214837 7 Lake Avenue Ph: 800-922-9537 Box 339 Fax: 570-821-1765 Montrose, PA 18801 Trehab Center of Northeastern PA Ph: 570-276-3336 Ph: 800-982-4045 185 Elmira Street Faic 570-278-1889 PoS( Office Box 216 Troy, PA 16947 UNION COUNTY Ph: 570-297-2101 Lycaming-Clinton Co Comm for Comm Fax 570.297.2799 Action (STEP) German Street 2138 Lincoln Street Post office Box 369 Post Office Box 1328 Oushore PA 18614 Williamsport, PA 17703 . Ph: 570-928-9668 Ph: 570.3260587 Fax-570-928-8144 Fax: 570-322-2197 17 Crallon Street CCCS of Western Pemsytvania, Inc. Welisboro PA 16901 217 Plank Road , Ph: 570.724-5252 Altoona, PA 16602 Fax: 570.724-5783 Ph: 614-944-6100 Fax 814-944-5747 463 Warren Street Post Office Box 709 Tunkhannock, PA 18657 Ph: 570-836-6840 Fax 570-836-6332 931 Main Street Honesdale, PA 18431 Ph: 570-253-6941 I Fax: 570-253-4617 7 Lake Avenue Box 339 Montrose, PA 18801 Ph: 570-278-3338 Ph: 800.982-4045 Fax 570.2761889 CCCS of Northeastem-Pennswania 3t W. Market Street Post Office Box 1127 Wilkes-8arre, PA 18702 Ph: 570-821-0837 Ph: 800-922-9537 Fax 570-821-1785 1400 Abington Executive Park Suite I Clarks Summitt, PA 18411 Ph: 570-587-9163 Ph: 800.922.9537 Fax 570587-9134 Fax: 570-587-9135 Tt- OGA COUNTY 1400 Abinglon Park Suite 1 Clarks SuMmItt, PA 18411 RE 570387-9163 Pht 800-922.9537 Fax: 570-587-9134 Fax 570-587-9135 31 W. Market Street Wilkes-Barre, PA 18702 Ph: 570-821-0637 Ph 800-922-9537 Fax 570.821-1785 The Tretnab [,enter d N-Wheaslem PA 185 Elmira Street Post Office Box 2 18 Troy, PA 16947 Ph: 570-297-2101 Fax 570-297-2799 German Street Post Office Box 389 Dushae, PA 18614 Ph: 670-928-9868 Fax 570.928.8144 I 17 Grafton Street Wfdl$Wo. PA 16901 Ph: 670.724.5252 I Fax: 570-724-5783 201 Basin Street W llMS130 1, PA 17703 Ph: 570423-6827 Fax 5703234826 VENANCiO COllNTY Community Action Edo Committee 18 west 94strw Etta, PA 16501 Ph: 814-459-4681 Fax 81(4-456-0181 CCCS of Western Pennsyhranta, Inc. YMCA Building 339 North Washington Street Butler, PA 16001 Ph: 412-282-7812 John F. Kennedy Center, Inc. 2021 East 20" Street Erie, PA 16510 Ph: 814.898-0400 Fax: 8f4-898-1243 WM&M COUNTY Booker T Washington center 1720 Holland Street Elie, PA 16503 Ph: 814-453.5744 Fax 814-453.5749 Greater Ede Community Action Co rintillee 18 West a Street Erie, PA 16501 Ph: 814-459-4581 Fax: 814456-0161 warren-Fort st CoUnties Economic OPP0rU* Council 1209 Pennsylvania Avenue, Wes( Past Office Box 547 Warren, PA 16365 Ph: 814-726-2400 Fax 814-723-0510 WASHINGTON COUNTY Action Housing. Inc. 425 6' Avenue suite 950 Pittsburgh, PA 15219 Ph: 412-391-1956 h: 412.281-2102 Fax 412-391-4512 CCCS of Western Pennsylvania, Inc. 1 North Gate Square 2 Garden Center Drive Greensburg, PA 15601 Ph: 724-(1338-1290 Housing Opportunities, Inc. 133 Seventh Street McKeesport, PA 15132 Ph: 412.664.1690 Fax 412-664-0873 Credit CounselorS Of PA 401 Wood Street Suite 906 Pittsburgh, PA 15222 Ph: 412-338-9954 I'M 800737-2933 Fax: 412-338-9963 Community Action Southwest 22 West High Street Waynesburg, PA 15370 Ph: 724-652-2893 53 N. College Street Washington, PA 15301 Ph 724-222-6292 Mon-Valley Unemployed Commiltee 120 E. 9r' Avenue Homestead, PA 15120 Ph: 412-482-9962 Fax 412462-9964 WAYNE COUNTY CCCS d NorUtea?slrn Pennavtvar4= 1400 Abington Ex 19111 Park Suite 1 C 8ft Stxnnft PA 18411 Ph: 570,587-9163 Ph: -800-922.W7 Fax: 570587-9134 Fax 570.587-9135 9 South 71, Street Stroudsburg, PA 18360 Ph: 570.420$960 Ph: 800.922-9537 Fax 570-420.6981 31 W. Market Skeet Wilkes-Barre, PA 18702 Ph: 570-621 483 7 Ph: 800.922-9537 Fax: 570521.1785 The Trehab Center of NE PA 185 Elmira Street Post Office Box 218 Troy, PA 16947 Ph. 570-297-2101 Fax 570-297-2799 17 Craflon Street Welsboro, PA 16901 Ph: 570-724-5252 Fax 570-724-5783 103 Warren Skeet WYOMING C(7bJl(fy Post Ofte Box 709 T1wmkhmnock. PA 18657 Calwnorl Economics oppoft* of Luzeme County Ph: 570-836.6840 163 Amber Lane Fax: 5704836.6332 Wkkes-0arre, PA 18701 German Street Ph: 570.826-0510 Post Office Box 389 Ph: 8004122-0359 Oushore PA 18614 Fax 570.829-1665 - Cap before fazing , Ph: 570.928.9668 Ph: 570-4554994 - Hazelton Fax 570-928.8144 Fax 570.455-5831 - Cap before faxing Ph: 570-8364090-Tunkhannock 931 Main Street CCCS of Nodheaslem PA Honesdale, PA 18431 1400 Abington Executive Park Ph: 570.253.8941 Suite i Fax 570-253.4817 parks Summilt, PA 18411 7 Lake Avenue Ph: 570-587-9163 Box 339 Ph: 800-922-9537 Montrose, PA 18801 Fax: 570-587-9134 Fax: 570-587-9135 Ph: 570-276-3338 Ph: 800-962-4045 Fax: 57o-278-1889 31 W. Market Street Wllkes-Bane, PA 18702 WESTMORELAND COUNTY Ph: 570-821-0837 Pfm: 800-922-9537 Action Housing, Inc. 425 a Ave Fax: 570.821-1785 nue Suite 950 Pittsburgh PA 15219 The Trehab Center of NE PA , Ph: 412-391-1956 7 Lake Avenue Box 339 Ph: 412.261-2102 Montrose, PA 18801 Community Action Southwest Ph: 570-278-3338 Ph: 800-962-4045 22 West High Street Fax: 570-278-1889 Waynesburg, PA 15370 Ph:-724.852-2893 185 ErMla'Suddl CCCS of Western Pennsylvania, inc. Post Office Box 218 Troy, PA 16947 1 North Gate Square Ph: 570-297-2101 2 Garden Center Drive Fax 570-297.2799 Greensburg, PA 15601 Ph: 724-898-1290 17 Cratton Street Housing Opportunities, Inc. - Weksborc, PA 16901 Ph: 570-724-5252 133 Seventh Skeet Fax 570.724-6783 McKeesport, PA 15132 . Ph: 412.664-1590 103 Warren Street Fax 412.664-0873 Post Office box 709 Keystone Economic Devel °p ment Tunkhannock, PA 18657 Ph: 570-BW-6840 Corporation 1854 Mary Grace Lane Fax: 5704136-6332 Johnstown, PA 15901 German Street Ph: 814-535.6566 PoS1 Offke Box 389 Fax 814-539-1688 Oushor% PA 18614 Tableland Services Inc. Ph: 570-928.96158 Fax b70 928.8144 535 East Main Street Sornmel, PA 15501 931 Main Street Ph: 814-445.9628 Honesdate PA 18431 Ph: 800-452-0146 , Ph: 570.25348941 Fax: 814-443.3690 Fax: 570-2634817 199 Edison Sireef Uniontown PA 15401 YORK COUDtTY , Ph: 724439-8939 American Red Cross-Hanaver Chapter 529 Carlisle Skeet Indiana Co Community Action Program Ph 717.637-37768 827 Water Street Fax:-717-637.3294 Box 187 Indiana, PA f5701 Housing Cotxlo4 of York Ph: 724-465-2657 116 North George Street Fax: 724-465.5116 York, PA 17401 Mon-Valley Unemployed Committee Ph: 717-854-1541 Fax: 717-M-7934 120 E. 9° Avenue Homestead, PA 15120 CCCS of Wester PennsylvanIA Inc -Ph: 412-462-9962 Fax 412.462-9964 . 2000 Unglestown Road Harrisburg, PA 17102 Credit Counselors of PA Ph: 717-541-1757 ' 401 Wood Street Fax 717-541-4670 Smile 908 Pittsburgh, PA 15222 Ph: 412-338-9954 Ph: 800-737-2933 Fax: 412-338.9963 Adams CM* HW*V Authority 139-143 Carlisle Skeet Gettysburg, PA 17325 Ph: 717-334-1518 Farc 717-334-6326 CCCS of Western Pennsylvania. Inc. 912 South George Street PYha: k, 7P17A .814764013 76 Fri ?" N a?a rQ? SHERIFF'S RETURN - REGULAR VASE NO: 2007-05593 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND BANK OF NEW YORK ET AL VS CARRUCOLI MICHAEL A KENNETH GOSSERT , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon CARRUCOLI MICHAEL A the DEFENDANT , at 1953:00 HOURS, on the 9th day of October , 2007 KEITH REGAN, ADULT RESIDENT a true and attested copy of COMPLAINT - MORT FORE at 18 BEAVER ROAD CAMP HILL, PA 17011 by handing to together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 14.40 Affidavit .00 Surcharge 10.00 .00 /0/3 ???., ? 4 2 . 4 0 Sworn and Subscibed to before me this day of , So Answers: R. Thomas Kline 10/10/2007 GOLDBECK MCCAFFERTY MCKEEVER By. A. D. SHERIFF'S RETURN - REGULAR 'EASE NO: 2007-05593 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND BANK OF NEW YORK ET AL VS CARRUCOLI MICHAEL A KENNETH GOSSERT , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon CARRUCOLI MICHAEL A the DEFENDANT , at 2020:00 HOURS, on the 9th day of October , 2007 at GULLIFTY'S CEDAR CLIFF MALL CAMP HILL, PA 17011 by handing to MICHAEL CARRUCOLI a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing 6.00 Service 15.36 Affidavit .00 Surcharge 10.00 1o?3r?b .00 31.36 Sworn and Subscibed to before me this day of , So Answers: R. Thomas Kline 10/10/2007 GOLDBECK MCCAFFERTY MCKEEVER By: A. D. In the Court of Common Pleas of Cumberland County BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS CWABS, INC. ASSET-BACKED CERTIFICATES, SERIES 2005-16 7105 Corporate Drive PTXC-35 Plano, TX 75024 Plaintiff VS. MICHAEL A. CARRUCOLI (Mortgagor(s) and Record Owner(s)) 18 Beaver Road Camp Hill, PA 17011 Defendant(s) No. 07-5593 PRAECIPE FOR JUDGMENT 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 MICHAEL A. CARRUCOLI by default for want of an Answer. Assess damages as follows: $243,890.98 Debt Interest from 11/13/2007 to Date of Sale Total (Assessment of Damages attached) I CERTIFY THAT FOREGOING ASSESSMENT OF DAMAGES IS FO SPE IFIED AMOUNTS ALLEGED TO BE DUE IN THE COMPLAINT AND IS CALCULABLE AS A SUM CE TAIN ROM THE COMPLAINT. I certify that written notice of the intention to file this praecipe was mailed or livere to party against whom judgment is to be entered and to his attorney of record, if any, after the default occurred d at I ast n days prior to the date of the filing of this praecipe. A copy of the notice is attached. R.C.P. 237.1 Joseph A o eck, Jr. I.D. #16 fudgment is entered in favor of AND NOW Q-V . -2M7 BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS C INC. ASSET-BACKED CERTIFICATES, SERIES 2005-16 and against MICHAEL A. CARRUCOLI by default for want of an Answer and damages assessed in the sum of $243,890.98 as per the above certification. Prothonotary /?L h Rule of Civil Procedure No. 236 - Revised IN THE COURT OF COMMON PLEAS OF Cumberland COUNTY, PENNSYLVANIA CIVIL ACTION - LAW BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS CWABS, INC. ASSET-BACKED CERTIFICATES, SERIES 2005-16 7105 Corporate Drive PTXC-35 Plano, TX 75024 Plaintiff No. 07-5593 vs. MICHAEL A. CARRUCOLI (Mortgagors and Record Owner(s)) 18 Beaver Road Camp Hill, PA 17011 Defendant(s) 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: Deputy If you have any questions concerning the above, please contact: Joseph A. Goldbeck, Jr. Goldbeck 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, MICHAEL A. CARRUCOLI, is about unknown years of age, that Defendant's last known residence is 18 Beaver Road, Camp Hill, PA 17011, 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' C 1 Relief Action of Congress of 1940 and its Amendments. Date: 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 BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS CWABS, INC. ASSET- BACKED CERTIFICATES, SERIES 2005-16 7105 Corporate Drive PTXC-35 Plano, TX 75024 Plaintiff VS. MICHAEL A. CARRUCOLI (Mortgagor(s) and Record owner(s)) 18 Beaver Road Camp Hill, PA 17011 IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION LAW ACTION OF MORTGAGE FORECLOSURE Defendant(s) No. 07-5593 ORDER FOR JUDGMENT Please enter Judgment in favor of BANK OF NEW YORK AS TRU FOR THE CERTIFICATEHOLDERS CWABS, INC. ASSET-BACKED CERTIFICA S, ERIES 2005-16, and against MICHAEL A. CARRUCOLI for failure to file an Answer in the above acti n wit in (20) days (or sixty (60) days if defendant is the United States of America) from the date of service of the o laint, in the sum of $243,890.98. Joseph A. Gi Attorney for I hereby certify that the above names are correct and that the preci e res' en a address of the judgment creditor is BANK OF NEW YORK AS TRUSTEE FOR THE CERTI (I V ERS CWABS, INC. ASSET-BACKED CERTIFICATES, SERIES 2005-16 7105 Corporate - 35, Plano, TX 75024 and that the name(s) and last known address(es) of the Defendant(s) is/are M CAI"UCOLI, 18 Beaver Road Camp Hill, PA 17011; GOLDBECK McC Y & McKEEVER BY: Joseph A. Gold eck, Jr. Attorney for Plainti ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly assess the damages in this case to be as follows: Principal Balance Interest from 04/01/2007 through 11/12/2007 Reasonable Attorney's Fee Late Charges Costs of Suit and Title Search Escrow Payments Due 2 X $0.00 $221,184.60 $10,201.64 $11,059.23 $545.51 $900.00 $0.00 $243,890.98 BY: Joseph Al Gol4beck, Jr. Attorney for ainti & McKEEVER 2007 damages are assessed as above. AND NOW, this f y day of 51&f sj< 'e Pro Prothy 114L- 101' G o ?? UT 2jUT ?C I f't? 33 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 BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS CWABS, INC. ASSET- BACKED CERTIFICATES, SERIES 2005-16 7105 Corporate Drive PTXC-35 Plano, TX 75024 Plaintiff vs. MICHAEL A. CARRUCOLI Mortgagor(s) and Record Owner(s) 18 Beaver Road Camp Hill, PA 17011 IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE No. 07-5593 Defendant(s) PRAECIPE FOR WRIT OF EXECUTION TO THE PROTHONOTARY: Issue Writ of Execution in the above matter: Amount Due Interest from 11/13/2007 to Date of Sale at 7.4500% (Costs to be added) $243,890.98 d w a z O M ?.o C. za 0 V H 4 A w_ xd h as wQ? w ? W U W 3Aw 0 wxw OHU d u H x w U z 0 a? O .? U O ,? O W oo o O U i a ? o 3 x w a W o ? W 9 a x U N b 0 O 0 ti wU U cj ? o o? M a, CJ (1) O ? N U O ? O :Ei 44 O b? o ? C7 w ALL THAT CERTAIN lot or tract of land SITUATE in Lower Alles Township, Cumberland County, Pennsylvania, more particularly bounded and described in follows according to the Plan of Cedar Roe Park as recorded in the Recorder of Deeds Office in and for Cumberland County, Pennsylvania, in Plan Book No. 7, page 45, to wit: BEGINNING at a point on the line of the Northern edge of Beaver Road 40 feet wide, said point being at the line of adjoiner between Lots Numbered 34 and 35; thence in a Westerly direction by said line of Beaver Road for a distance of 97.5 feet; thence in a Northerly direction a distance of 95.5 feet more or less, to a point; thence in an Easterly direction for a distance of 126.75 feet to the line of adjoiner between Lots Numbered 34 and 35; thence in a Southerly direction by said line of adjoining for a distance of 164.55 feet to the point and place of beginning. BEING Lot Number 35 and the Eastern one half of Lot Number 36. PREMISES "B" ALL THAT CERTAIN tract or parcel of ground, SITUATE in the Township of Lower Alles, County of Cumberland, and State of Pennsylvania more particularly bounded and described as follows: BEGINNING at a railroad spike on the East side of Legislative Route 21023, known as the Lisboan Road and lands now or late of the Church of God; thence along the said lands now or lots of the Church of God and through Cedar Run South 58 degrees 33 minutes East,. 122.27 feet to as iron pin on the South side of Cedar Run; thence through Cedar Run and along lands of Rolling Green Memorial Cemetery North 87 degrees 48 minutes East 227.50 feet to an iron pin; thence continuing along lands of Rolling Green Memorial Cemetery South 74 degrees 42 minutes East 116.51 feet to a point; thence along lands of the Grantors herein and through Cedar Run South 2 degrees 12 minutes East 156.51 feet to a point; thence along lands of the Grantees herein and along lands now or late of Harry A. Beaver and Laura Mae Beaver, his wife, being the Northern line of Lots Nos. 35, 36 and 37 on the Plan of Cedar Run Park South 37 degrees 48 minutes West 231.69 feet to an iron pin; thence continuing along lands now or late of Harry A. Beaver and Laura Mae Beaver, his wife, and being the Eastern line of Lots Nos. 39 and 15 (erroneously described as Lot No. 150 in the ?????? mentioned deed) North 4 degrees 23 minutes East 58.90 feet to a pipe; thence continuing along lands now or late of Harry A. Beaver and Laura Mae Beaver, his wife and being the Northern line of said Lot No. 15 of Cedar Run Park South 74 degrees 15 minutes West 175 feet to a railroad spike in said Lisbuce Road; thence along said Eastern side of said public road aforesaid North 15 degrees 45 minutes West 12 feet to an iron pin; thence through said road North 23 degrees 11 minutes West 165 feet to a point on the Western line of said point; thence through said road North 13 degrees 19 minutes East 48.07 feet to the place of beginning. Tax parcel no: 13-24-0805-007 Q v I-V Nz- ty ? rr7 ~C WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) N02007-5593 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due Bank of New York as Trustee for the Certificateholders Cwabs, Inc. Asset-Backed Certificates, Series 2005-16 7105 Corporate Drive PTX C -35 Plano, TX 75024 Plaintiff (s) From Michael A. Carrucoli 18 Beaver Road Camp Hill, PA 17011 (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 gamishee(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 $243,890.98 Interest from 11/13/2007 to date of sale at 7.4500% Atty's Comm % Atty Paid $192.76 Plaintiff Paid Date: November 14, 2007 (Seal) L.L.$.50 Due Prothy $2.00 Other Costs AV "- 111?2- Curtis R. Long, Prothonotar By: wil-& Deputy REQUESTING PARTY: Name Joseph A. Goldbeck, Jr., Esq. Address: Suite 5000 - Mellon Independence Center 701 Market St. Philadelphia, PA 19106 Attorney for: Plaintiff Telephone: 215-627-1322 Supreme Court ID No. 16132 r- 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 BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS CWABS, INC. ASSET- BACKED CERTIFICATES, SERIES 2005-16 7105 Corporate Drive PTXC-35 Plano, TX 75024 vs. MICHAEL A. CARRUCOLI (Mortgagor(s) and Record Owner(s)) 18 Beaver Road Camp Hill, PA 17011 Plaintiff Defendant(s) AFFIDAVIT PURSUANT TO RULE 3129 No. 07-5593 BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS CWABS, INC. ASSET-BACKED CERTIFICATES, SERIES 2005-16, 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: 18 Beaver Road Camp Hill, PA 17011 I.Name and address of Owner(s) or Reputed Owner(s): MICHAEL A. CARRUCOLI 18 Beaver Road Camp Hill, PA 17011 2. Name and address of Defendant(s) in the judgment: MICHAEL A. CARRUCOLI 18 Beaver Road Camp Hill, PA 17011 3. Name and last known address of every judgment creditor whose judgment is a record lien on the property to be sold: WILLIAM D. MORROW 1150 SIDDONSBURG ROAD MECHANICSBURG, PA 17055 WILLIAM D. MORROW C/O DARRELL C. DETHLEFS 2132 MARKET STREET PO BOX 368 CAMP HILL, PA 17011-0368 IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE -+ 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 4. Name and address of the last recorded holder of every mortgage of record: AMERICA'S WHOLESALE LENDER Awaiting Lienholder Address AMERICAS WHOLESALE LENDER 2 JERICHO PLAZA, 3RD FLOOR P.O. BOX 10423 VAN NUYS, CA 91410-0423 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 may be affected by the sale. TENANTS/OCCUPANTS 18 Beaver Road Camp Hill, PA 17011 (attach separate sheet if more space is needed) I verify that the statements made in this affidavit are true and correct to the be o y personal knowledge or information and belief. I understand that false statements herein are made subject to t pen lties of 18 Pa. C.S. Section 4904 relating to unswom falsification to authorities. DATED: November 12, 2007 GOLDBECK McC Y & McKEEVER BY: Joseph A. Golflb Jr., Esq. Attorney for Plain if t. O 'L7 t r' ? C!S _?? t .C' ? n rn 07-5593 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 BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS CWABS, INC. ASSET- BACKED CERTIFICATES, SERIES 2005-16 7105 Corporate Drive PTXC-35 Plano, TX 75024 Plaintiff vs. MICHAEL A. CARRUCOLI Mortgagor(s) and Record Owner(s) 18 Beaver Road Camp Hill, PA 17011 Defendant(s; Term No. 07-5593 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: CARRUCOLI, MICHAEL A. MICHAEL A. CARRUCOLI 18 Beaver Road Camp Hill, PA 17011 Your house at 18 Beaver Road, Camp Hill, PA 17011 is scheduled to be sold at Sheriffs Sale on Wednesday, March 05, 2008, at 10:00 AM, in Commissioners Hearing Rm 2nd FL Courthouse to enforce the court judgment of $243,890.98 obtained by BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS CWABS, INC. ASSET-BACKED CERTIFICATES, SERIES 2005-16 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: 07-5593 1. The sale will be cancelled if you pay to BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS CWABS, INC. ASSET-BACKED CERTIFICATES, SERIES 2005-16, 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. 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 EVEMIF 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 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 07-5593 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 homeretentionkgoldbecklaw.com. Call Seth at 215-825-6329 or fax 215-825-6429. The figure and/or package you requested will be mailed to the address that you request or faxed if you leave a message with that information. The attorney in charge of our firm's Homeowner Retention Department is David Fein who can be reached at 215-825-6318 or Fax: 215-825-6418. Please reference our Attorney File Number of 56616FC. Para informacion en espanol puede communicarse con Loretta al 215-825-6344. ? o _0 t7 fl ?0 fTl { J t } N fl CLVI «C SHORT DESCRIPTION IMPROVEMENTS consist of a residential dwelling. BEING PREMISES: 18 Beaver Road Camp Hill, PA 17011 SOLD as the property of MICHAEL A. CARRUCOLI TAX PARCEL #13-24-0805-007 ? `.? rr?r'?? © .c .y: ?y ??r ? ''Q C? n ? r?-?, ? 'T?rn ' GOLDBECK McCAFFERTY & McKEEVER BY: Joseph A. Goldbeck, Jr. Attomey I.D.#16132 Suite 5000 - Mellon Independence Center 701 Market Street Philadelphia, PA 19106-1532 215-627-1322 56616FC CF: 09/24/2007 SD: 03/05/2008 $243,890.98 BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS CWABS, INC. ASSET- BACKED CERTIFICATES, SERIES 2005-16 7105 Corporate Drive PTXC-35 Plano, TX 75024 Plaintiff vs. MICHAEL A. CARRUCOLI Mortgagor(s) and Record Owner(s) 18 Beaver Road Camp Hill, PA 17011 Defendant(s) CERTIFICATE OF SERVICE PURSUANT TO Pa.R.C.P. 3129.2 W (2) Term No. 07-5593 Joseph A. Goldbeck, Jr., 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/competent adult (copy of return attached). ( 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 Respectfully submitted, Joseph . Goldbeck, Jr. Attorney for Plaintiff ?L U- ,oa m 1 ?N LA b m 0 O {A N C V O J U) U? CV E 0 a ffi m ? V LL X m y C . _ ,. 1 W w Q "- E N ?N W i?S u CIO C%l co V U Q W ???? Qo ¢ I? ?L to W LL 0 ¢ J h W ch N g ma t7 4 z O LLlo m N O a W _ T co T 0 c OOZ ?? c ?f-X2 H x a m V 0 0 a vv ??o?o a J?? 0?0mm y x 2:3 o 'E w oz ° E r Twc 3 ot0a 0 c?u?0 $00 c?a ¢ amx - 2 x ¢ a a> Tv a TL . ?a S"a z z a F- E z ul got 16 cc 0 N i i IL - m M ? W to plu e? b z m ? t p = ?- CV M ?t ui c0 t? a0 `a. ?V O e f- n r a N O o2 U. ti 0 a co c+? O m 0 am C 3 E U 0 LL Cfl 0 to D Q LLU Q 0 2 V N.r--i . ?L LL 2 h UU A do O [V ? 1 w C4 0 C-4 ?N y A NO O O CL i }+fi NO G n A w 0000 0 Yf oa Vii = Y N G ? ? 0 = Q 0 = r N M ?t Ld tp 1 a 1 i ? N N a a c?5 a G C U U LL m r 0 U d dW U 2 V YJ t \ F V r' iJNITEDST,6TE5 POSTAL SMKI V Date Produced: 11/26/2007 ?e M 0 v 3 S J ?.9 GOLDBECK MCCAFFERTY & MCKEEVER The following is the delivery information for Certified item number 7111 4342 3630 0021 4869. Our records indicate that this item was delivered on 11124/2007 at 10:46 a.m. in CAMP HILL, PA, 17011. The scanned image of the recipient information is provided below. Signature of Recipient: Address of Recipient: Thank you for selecting the Postal Service for your mailing needs. If you require additional assistance, please contact your local post office or Postal Service representfive. Sincerely, United States Postal Service The customer reference number shown below is not validated or endorsed by the United States Postal Service. It is solely for customer use. Customer Reference Number: 4340453 16625576 0 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 BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS CWABS, INC. ASSET- BACKED CERTIFICATES, SERIES 2005-16 7105 Corporate Drive PTXC-35 Plano, TX 75024 Plaintiff IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION - LAW vs. MICHAEL A. CARRUCOLI Mortgagor(s) and Record Owner(s) 18 Beaver Road Camp Hill, PA 17011 Defendant(s) Term No. 07-5593 SUPPLEMENTAL AFFIDAVIT PURSUANT TO RULE 3129 BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS CWABS, INC. ASSET-BACKED CERTIFICATES, SERIES 2005-16, 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: 18 Beaver Road Camp Hill, PA 17011 1.Name and address of Owner(s) or Reputed Owner(s): MICHAEL A. CARRUCOLI 18 Beaver Road Camp Hill, PA 17011 2. Name and address of Defendant(s) in the judgment: MICHAEL A. CARRUCOLI 18 Beaver Road Camp Hill, PA 17011 3. Name and last known address of every judgment creditor whose judgment is a record lien on the property to be sold: ACTION OF MORTGAGE FORECLOSURE 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.Q. Box 2675 Harrisburg, PA 17105-2675 WILLIAM D. MORROW C/O DARRELL C: DETHLEFS 2132 MARKET STREET PO BOX 368 CAMP HILL, PA 17011-0368 WILLIAM D. MORROW 1150 SIDDONSBURG ROAD MECHANICSBURG, PA 17055 4. Name and address of the last recorded holder of every mortgage of record: AMERICAS WHOLESALE LENDER 2 JERICHO PLAZA, 3RD FLOOR P.O. BOX 10423 VAN NUYS, CA 91410-0423 AMERICA'S WHOLESALE LENDER 4500 PARK GRANADA CALABASAS, CA 91302 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 may be affected by the sale. TENANTS/OCCUPANTS 18 Beaver Road Camp Hill, PA 17011 (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 unworn falsification to authorities. DATED: January 24, 2008 G DBECK I?CAFFERTY & cKEEVER BY: Joseph A. Goldbeck, Jr., Esq. Attorney for Plaintiff W a ? ;F 5.'J CO .. ys= Bank of New York as Trustee for the Certificateholders SWABS, Inc. Asset Backed Certificates, Series 2005-16 VS Michael A. Carrucoli In the Court of Common Pleas of Cumberland County, Pennsylvania Writ No. 2007-5593 Civil Term Kenneth Gossert, Deputy Sheriff, who being duly sworn according to law, states that on December 04, 2007 at 2032 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: Michael A. Carrucoli by making known unto Joe Bennett, adult in charge for Michael A. Carrucoli, personally at 18 Beaver Road, Camp Hill, Cumberland County, Pennsylvania its contents and at the same time handing to him personally the said true and correct copies of the same. Tim Reitz, Deputy Sheriff, who being duly sworn according to law, states that on January 11, 2008 at 1035 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 Michael A. Carrucoli located at 18 Beaver Road, Camp Hill, 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 defendant, to wit: Michael A. Carrucoli by regular mail to his last known address of 18 Beaver Road, Camp Hill, PA 17011. These letters were mailed under the date of January 8, 2008 and never returned to the Sheriffs Office. R. Thomas Kline, Sheriff, who being duly sworn according to law, states this writ is returned STAYED per letter of request from Attorney Goldbeck. Sheriffs Costs: Docketing 30.00 Poundage 60.00 Posting Bills 15.00 Advertising 15.00 Law Library .50 Prothonotary 2.00 Mileage 28.80 Levy 15.00 Surcharge 20.00 Postpone Sale 20.00 Law Journal 605.00 Patriot News 503.72 Share of Bills 16.17 $1331.19 ?'//? Pf o F So Answers: R. Thomas Kline, heriff BY',zG C"6Li Real Estate S geant bro j- I-- CH_ C 31, -? 3 rnte, j0FaSr? 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 BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS CWABS, INC. ASSET- BACKED CERTIFICATES, SERIES 2005-16 7105 Corporate Drive PTXC-35 Plano, TX 75024 Plaintiff IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION - LAW vs. MICHAEL A. CARRUCOLI (Mortgagor(s) and Record Owner(s)) 18 Beaver Road Camp Hill, PA 17011 Defendant(s) ACTION OF MORTGAGE FORECLOSURE AFFIDAVIT PURSUANT TO RULE 3129 No. 07-5593 BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS CWABS, INC. ASSET-BACKED CERTIFICATES, SERIES 2005-16, 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: 18 Beaver Road Camp Hill, PA 17011 I .Name and address of Owner(s) or Reputed Owner(s): MICHAEL A. CARRUCOLI 18 Beaver Road Camp Hill, PA 17011 2. Name and address of Defendant(s) in the judgment: MICHAEL A. CARRUCOLI 18 Beaver Road Camp Hill, PA 17011 3. Name and last known address of everyjudgment creditor whose judgment is a record lien on the property to be sold: WILLIAM D. MORROW 1150 SIDDONSBURG ROAD MECHANICSBURG, PA 17055 WILLIAM D. MORROW C/O DARRELL C. DETHLEFS 2132 MARKET STREET PO BOX 368 CAMP HILL, PA 17011-0368 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 4. Name and address of the last recorded holder of every mortgage of record: AMERICA'S WHOLESALE LENDER Awaiting Lienholder Address AMERICAS WHOLESALE LENDER 2 JERICHO PLAZA, 3RD FLOOR P.O. BOX 10423 VAN NUYS, CA 91410-0423 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 may be affected by the sale. TENANTS/OCCUPANTS 18 Beaver Road Camp Hill, PA 17011 (attach separate sheet if more space is needed) I verify that the statements made in this affidavit are true and correct to the be o y personal knowledge or information and belief. I understand that false statements herein are made subject to t pen lties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. DATED: November 12, 2007 GOLDBECK MCCA,?F Y & McKEEVER BY: Joseph A. Golib Jr., Esq. Attorney for Plainl'if t 07-5593 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 BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS CWABS, INC. ASSET- BACKED CERTIFICATES, SERIES 2005-16 7105 Corporate Drive PTXC-35 Plano, TX 75024 Plaintiff VS. MICHAEL A. CARRUCOLI Mortgagor(s) and Record Owner(s) 18 Beaver Road Camp Hill, PA 17011 Defendant(s Term No. 07-5593 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: CARRUCOLI, MICHAEL A. MICHAEL A. CARRUCOLI 18 Beaver Road Camp Hill, PA 17011 Your house at 18 Beaver Road, Camp Hill, PA 17011 is scheduled to be sold at Sheriffs Sale on Wednesday, March 05, 2008, at 10:00 AM, in Commissioners Hearing Rm 2nd FL Courthouse to enforce the court judgment of $243,890.98 obtained by BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS CWABS, INC. ASSET-BACKED CERTIFICATES, SERIES 2005-16 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: 07-5593 1. The sale will be cancelled if you pay to BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS CWABS, INC. ASSET-BACKED CERTIFICATES, SERIES 2005-16, 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. 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 07-5593 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.g_ov_ for Help for Homeowners Facing the Loss of Their Homes. 4). Call the Plaintiff (your lender) at and ask to speak to someone about Loss Mitigation or Home Retention options. 5). Call or contact our office to request the amount to bring the account current, or payoff the mortgage or request a Loan Workout / Home Retention Package. Call our toll free number at 1-866-413-2311 or via email at homeretentionggoldbecklaw.com. Call Seth at 215-825-6329 or fax 215-825-6429. The figure and/or package you requested will be mailed to the address that you request or faxed if you leave a message with that information. The attorney in charge of our firm's Homeowner Retention Department is David Fein who can be reached at 215-825-6318 or Fax: 215-825-6418. Please reference our Attorney File Number of 56616FC. Para informacion en espanol puede communicarse con Loretta a1215-825-6344. ALL THAT CERTAIN lot or tract of land SITUATE in Lower Alles Township, Cumberland County, Pennsylvania, more particularly bounded and described in follows according to the Plan of Cedar Roe Park as recorded in the Recorder of Deeds Office in and for Cumberland County, Pennsylvania, in Plan Book No. 7, page 45, to wit: BEGINNING at a point on the line of the Northern edge of Beaver Road 40 feet wide, said point being at the line of adjoiner between Lots Numbered 34 and 35; thence in a Westerly direction by said line of Beaver Road for a distance of 97.5 feet; thence in a Northerly direction a distance of 95.5 feet more or less, to a point; thence in an Easterly direction for a distance of 126.75 feet to the line of adjoiner between Lots Numbered 34 and 35; thence in a Southerly direction by said line of adjoining for a distance of 164.55 feet to the point and place of beginning. BEING Lot Number 35 and the Eastern one half of Lot Number 36. PREMISES "B" ALL THAT CERTAIN tract or parcel of ground, SITUATE in the Township of Lower Alles, County of Cumberland, and State of Pennsylvania more particularly bounded and described as follows: BEGINNING at a railroad spike on the East side of Legislative Route 21023, known as the Lisboan Road and lands now or late of the Church of God; thence along the said lands now or lots of the Church of God and through Cedar Run South 58 degrees 33 minutes East,. 122.27 feet to as iron pin on the South side of Cedar Run; thence through Cedar Run and along lands of Rolling Green Memorial Cemetery North 87 degrees 48 minutes East 227.50 feet to an iron pin; thence continuing along lands of Rolling Green Memorial Cemetery South 74 degrees 42 minutes East 116.51 feet to a point; thence along lands of the Grantors herein and through Cedar Run South 2 degrees 12 minutes East 156.51 feet to a point; thence along lands of the Grantees herein and along lands now or late of Harry A. Beaver and Laura Mae Beaver, his wife, being the Northern line of Lots Nos. 35, 36 and 37 on the Plan of Cedar Run Park South 37 degrees 48 minutes West 231.69 feet to an iron pin; thence continuing along lands now or late of Harry A. Beaver and Laura Mae Beaver, his wife, and being the Eastern line of Lots Nos. 39 and 15 (erroneously described as Lot No. 150 in the ?????? mentioned deed) North 4 degrees 23 minutes East 58.90 feet to a pipe; thence continuing along lands now or late of Harry A. Beaver and Laura Mae Beaver, his wife and being the Northern line of said Lot No. 15 of Cedar Run Park South 74 degrees 15 minutes West 175 feet to a railroad spike in said Lisbuce Road; thence along said Eastern side of said public road aforesaid North 15 degrees 45 minutes West 12 feet to an iron pin; thence through said road North 23 degrees 11 minutes West 165 feet to a point on the Western line of said point; thence through said road North 13 degrees 19 minutes East 48.07 feet to the place of beginning. Tax parcel no: 13-24-0805-007 WRIT OY EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) N02007-5593 Civil COUNTY OF CUMBERLAND) CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due Bank of New York as Trustee for the Certificateholders Cwabs, Inc. Asset-Backed Certificates, Series 2005-16 7105 Corporate Drive PTX C -35 Plano, TX 75024 Plaintiff (s) From Michael A. Carrucoli 18 Beaver Road Camp Hill, PA 17011 (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 $243,890.98 L.L.$.50 Interest from 11/13/2007 to date of sale at 7.4500% Atty's Comm % Due Prothy $2.00 Atty Paid $192.76 Other Costs Plaintiff Paid Date: November 14, 2007 (Seal) REQUESTING PARTY: Name Joseph A. Goldbeck, Jr., Esq. Address: Suite 5000 - Mellon Independence Center 701 Market St. Philadelphia, PA 19106 Attorney for: Plaintiff Telephone: 215-627-1322 Supreme Court ID No. 16132 isr elm ,E° xl Curtis R. Long, Prothonotar 7 By. Deputy Real Estate Sale #57 On November 27, 2007 the Sheriff levied upon the defendant's interest in the real property situated in Lower Allen Township, Cumberland County, PA Known and numbered as 18 Beaver Road, Camp Hill, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: November 27, 2007 By: Real Estate Sergeant 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. Coyne, AND SUBSCRIBED before me this 8 day of February, 2008 '4' Notary NOTARIAL SEAL DEBORAH A COLLINS Notary Public CARLISLE BORO, CUMBERLAND COUNTY My Commission Expires Apr 28, 2010 REAL ESTATE BALE NO. 57 Writ No. 2007-5593 Civil Bank of New York as Trustee for the Certificateholders CWABS Inc. Asset Backed Certificates Series 2005-16 VS. Michael A. Carrucoli Atty.: Joseph Goldbeck DESCRIPTION ALL THAT CERTAIN lot or tract of land SITUATE in Lower Allen Township, Cumberland County, Pennsylvania, more particularly bounded and described in follows according to the Plan of Cedar Roe Park as recorded in the Recorder of Deeds Office in and for Cumberland County, Pennsylvania, in Plan Book No. 7, page 45, to wit: BEGINNING at a point on the line of the Northern edge of Beaver Road 40 feet wide, said point being at the line of adjoiner between Lots Num- bered 34 and 35; thence in a Westerly direction by said line of Beaver Road for a distance of 97.5 feet; thence in a Northerly direction a distance of 95.5 feet more or less, to a point; thence in an Easterly direction for a distance of 126.75 feet to the line of adjoiner between Lots Numbered 34 and 35; thence in a Southerly direction by said line of adjoining for a distance of 164.55 feet to the point and place of beginning. BEING Lot Number 35 and the Eastern one half of Lot Number 36. PREMISES "B" ALL THAT CERTAIN tract or parcel of ground, SITUATE in the Township of Lower Allen, County of Cumberland, and State of Pennsyl- vania more particularly bounded and described as follows: BEGINNING at a railroad spike on the East side of Legislative Route 21023, known as the Lisboan Road and lands now or late of the Church of God; thence along the said lands now or lots of the Church of God and through Cedar Run South 58 degrees 33 minutes East, 122.27 feet to as iron pin on the South side of Cedar Run; thence through Cedar Run and along lands of Rolling Green Memo- rial Cemetery North 87 degrees 48 minutes East 227.50 feet to an iron pin; thence continuing along lands of Rolling Green Memorial Cemetery South 74 degrees 42 minutes East 116.51 feet to a point; thence along lands of the Grantors herein and through Cedar Run South 2 degrees 12 minutes East 156.51 feet to a point; thence along lands of the Grantees herein and along lands now or late of Harry A. Beaver and Laura Mae Beaver, his wife, being the Northern line of Lots Nos. 35, 36 and 37 on the Plan of Cedar Run Park South 37 degrees 48 minutes West 231.69 feet to an iron pin; thence continuing along lands now or late of Harry A. Beaver and Laura Mae Beaver, his wife, and being the Eastern line of Lots Nos. 39 and 15 (erroneously described as Lot No. 150 in the ?????? mentioned deed) North 4 degrees 23 minutes East 58.90 feet to a pipe; thence continuing along lands now or late of Harry A. Beaver and Laura Mae Beaver, his wife and being the Northern line of said Lot No. 15 of Cedar Run Park South 74 degrees 15 minutes West 175 feet to a railroad spike in said Lisbuce Road; thence along said Eastern side of said public road aforesaid North 15 degrees 45 minutes West 12 feet to an iron pin; thence through said road North 23 degrees 11 minutes West 165 feet to a point on the Western line of said point; thence through said road North 13 degrees 19 min- utes East 48.07 feet to the place of beginning. Tax parcel no: 13-24-0805-007. The Patriot-News Co. 812 Market St. Harrisburg, PA 17101 Inquiries - 717-255-8292 CUMBERLAND COUNTY SHERIFFS OF CUMBERLAND COUNTY COURT HOUSE cube Patr1*otwXtws Now you know CARLISLE PA 17013 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 date(s) shown below- 01/30108 02/06/08 02/13/08 ,of February, 2008 A.D. Notary Public COMMONWEALTH OF PENNSYLVANIA Notarial :Seal Sherrie L Winer,. Notary Public City Of Hamsburg Dauphin County W C M*SkY. -._Vres Nov 26, 2011 Member, Pennsylvania Assodation of Notaries REAL ESTATE SALE NO. 57 Writ No. 2007-SM ChdlTerm Bank of New York as Trustee for the Cortificatshoklers CWABS Inc. Asset Backed CarNlicates Series 2005-16 VS Michael A. Carrucoli Attorney Joseph Goldbeck DESCRIPTION ALL THAT CERTAIN lot or tract of land SITUATE in Lower Allen Township, Cumberland County, Pennsylvania, more particularly bounded and described in follows according to the Plan of Cedar Roe Park as recorded in the Recorder of Deeds Office in and for Cumberland County, Pennsylvania, in Plan Book No. 7, page 45, to wit: BEGINNING at a point on the line of the Northern edge of Beaver Road 40 feet wide, said point being at the line of adjoiner between Lots Numbered 34 and 35; thence in a Westerly direction by said line of Beaver Road for a distance of 97.5 feet; thence in a Northerly direction a distance of 95.5 fed more or less, to a point; thence in an Easterly direction for a distance of 126.75 feet to the line of adjoiner between Lots Numbered 34 and 35; thence in a Southerly direction by said line of adjoining for a distance of 164.55 feet to the point and place of beginning. RE NG Lot Number 35 and the Eastern one half t Lot Number 36. PREMISES "B" ALL THAT CERTAIN tract or parcel of ground, SITUATE in the Township of Lower Allen, County of Cumberland, and State of Pennsylvania more particularly bounded and described as follows: BEGINNING at a railroad spike on the East side of Legislative Route 21023, known as the Usboan Road and lands now or late of the Church of God; thence along the said lands now or lots of the Church of God and through Cedar Run South 58 degrees 33 minutes East, 122.27 feet to as iron pin on the South side of Cedar ..kun; thence through Cedar Run and along lands of Rolling Green Memorial Cemetery North 87 degrees 48 minutes East 22750 feet to an iron yn; thence continuing along lands of Rolling Green Memorial Cemetery South 74 degrees 42 minutes East 116.51 feet to a point; thence along lands of the Grantors herein and through Cedar Run South 2 degrees 12 minutes East 156.51 feet to a point; thence along lands of the Grantees herein and along lands now or late of Hang A. Beaver and Laura Mae Beaver, his wife, being the Nolthem line of Lots Nos. 35, 36 and 37 on the Plan of Cedar Run Park South 37 degrees 48 minutes West 231.69 fed to an iron pin; thence continuing along lands now or late of Harry A. Beaver and Laura Mae Beaver, his wife, and being the Eastern line of Lots Nos. 39 and 15 (erorreously described as Lot No. 150 in the r??r mentioned deed) North 4 degrees 23 minutes East 5890 feet to a pipe; thence contnuing along lands. now or late of Harry A. Beaver and Laura Mae Beaver, his wife and being the Northern line of said Lot No.15 of Cedar Rim Patk South 74 degrees 15 minutes West 175 feet to a railroad spike in said Ubuce *W; thence along said Eastern side of said public road aforesaid North 15 degrees 45 Minutes West 12 feu to an iron pin; thence through said road North 23 degrees 11 minutes *W 165 fen to a poim,OB 96p We*m b w of said pml tb RW Naslh 13 .410068 1W t AW 46tb'fe place of begging. Tax parcel no: I3-24-0805-007 N GOLDBECK McCAFFERTY & McKEEVER Suite 5000 - Mellon Independence Center 701 Market Street Philadelphia, PA 19106-1532 215-627-1322 for Plaintiff BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS CWABS, INC. ASSET- BACKED CERTIFICATES, SERIES 2005-16 7105 Corporate Drive PTXC-35 Plano, TX 75024 Plaintiff vs. MICHAEL A. CARRUCOLI 18 Beaver Road Camp Hill, PA 17011 Defendant(s) PRAECIPE TO VACATE JUDGMENT TO THE PROTHONOTARY: Kindly vacate the judgment upon payment of your costs only. No. 07-5593 -mo a-rt c rn t (Rt E `- t N '? N ? .. n c. ; y: BEC CCAFFERTY & CKEEVER Michael a. ID 561 / Gary McCafferty Pa. ID 42386 ? Lisa Lee Pa. ID 78020 Kristina Murtha Pa. ID 61858 David Fein Pa. ID 82628 Thomas Puleo Pa. D) 27615 Attorneys for Plaintiff.' ?',?# 5S h 377 nvkA 6 fy. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY 1171M Asso GOLDBECK McCAFFERTY & McKEEVER SUITE 5000 - MELLON INDEPENDENCE CENTER 701 MARKET STREET PHILADELPHIA, PA 19106 (215) 627-1322 ATTORNEY FOR PLAINTIFF BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS CWABS, INC. ASSET- BACKED CERTIFICATES, SERIES 2005-16 7105 Corporate Drive PTXC-35 Plano, TX 75024 Plaintiff vs. MICHAEL A. CARRUCOLI 18 Beaver Road Camp Hill, PA 17011 Defendant(s) CERTIFICATE OF SERVICE Term No. 07-5593 Natasha Perez, hereby certifies that he/she did serve true and correct copies of Praecipe to Vacate Judgment and all supporting papers attached hereto upon Defendant, by first class mail, -:0- \_j postage pre-paid, on _ laA L x) MICHAEL A. CARRUCOLI 18 Beaver Road Camp Hill, PA 17011 MICHAEL A. CARRUCOLI Guliffty's Ceadar Cliff Mall Camp Hill, PA 17011 IN THE COURT OF COMMON PLEAS OF Cumberland COUNTY CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE B? Goldbeck McCafferty & McKeev Natasha Perez, Legal Assistant NPerez@goldbecklaw.com 215-825-6384 (Direct Phone) GOLDBECK McCAFFERTY & McKEEVER Suite 5000 - Mellon Independence Center 701 Market Street Philadelphia, PA 19106-1532 215-825-6321 BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS CWABS, INC. ASSET-BACKED CERTIFICATES, SERIES 2005-16 7105 Corporate Drive PTXC-35 Plano, TX 75024 VS. Plaintiff MICHAEL A. CARRUCOLI 18 Beaver Road Camp Hill, PA 17011 Defendant(s) IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY No. 07-5593 PRAECIPE TO DISCONTINUE AND END TO THE PROTHONOTARY: s Kindly mark the above case Discontinued and Ended upon payment of your costs only. By: GOLDB AFFERTY & MCK VER Michael Mc eve Gary McCafferty Pa. ID 42386 ? Lisa Lee Pa. ID 78020 Kristina Murtha Pa. ID 61858 David Fein Pa. ID 82628 Thomas Puleo Pa. ID 27615 Attorneys for Plaintiff GOLDBECK McCAFFERTY & McKEEVER SUITE 5000 - MELLON INDEPENDENCE CENTER 701 MARKET STREET PHILADELPHIA, PA 19106 (215) 627-1322 ATTORNEY FOR PLAINTIFF BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS CWABS, INC. ASSET- BACKED CERTIFICATES, SERIES 2005-16 7105 Corporate Drive PTXC-35 Plano, TX 75024 Plaintiff VS. MICHAEL A. CARRUCOLI 18 Beaver Road Camp Hill, PA 17011 Defendant(s) CERTIFICATE OF SERVICE, Term No. 07-5593 Natasha Perez, hereby certifies that he/she did serve true and correct copies of Praecipe to Discontinue and End and all supporting papers attached hereto upon Defendant, by first class mail, postage pre-paid, on 1?1' i I MICHAEL A. CARRUCOLI 18 Beaver Road Camp Hill, PA 17011 MICHAEL A. CARRUCOLI Guliffty's Ceadar Cliff Mall Camp Hill, PA 17011 IN THE COURT OF COMMON PLEAS OF Cumberland COUNTY CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE By?n 0 3? C7( Goldbeck McCafferty & McKee r Natasha Perez, Legal Assistant NPerez@goldbecklaw.com 215-825-6384 (Direct Phone)