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Home My WebLink About07-6947 SHAPIRO & KREISMAN, LLC BY: CHRISTOPER A. DENARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 DANIELLE BOYLE-EBERSOLE, ESQUIRE, ATTORNEY I.D. NO. 81747 LAUREN R. TABAS, ESQ., ATTORNEY I.D. NO. 93337 ILANA ZION, ESQ., ATTORNEY I.D. NO. 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-30626 Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2006-10 PLAINTIFF VS. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 01 - logo j 3"i ( -'M Gloria Popp 63 West Main Street Newville, PA 17241 Howard W. Foultz 63 West Main Street Newville, PA 17241 DEFENDANT(S) COMPLAINT - CIVIL ACTION MORTGAGE 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 THIS 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 CLAIMED IN THE COMPLAINT OR 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 TO FIND OUT WHERE YOU CAN GET LEGAL HELP. 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 Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICIA LE HAN DEMANDADO A USTED EN LA CORTE. SI USTED QUIERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, USTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA ESCRITA O EN PERSONA O POR ABOGADO Y ARCHIVAR EN LA CORTE EN FORMA ESCRITA SUS DEFENSAS O SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU PERSONA. SEA AVISADO QUE SI USTED NO SE DEFIENDE, LA CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AVISO O NOTIFICACION Y POR CUALQUIER QUEJA O ALIVIO QUE ES PEDIDO EN LA PETICION DE DEMANDA. USTED PUEDE PERDER DINERO O SUS PROPIEDADES O OTROS DERECHOS IMPORTANTES PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 SHAPIRO & KREISMAN, LLC BY: CHRISTOPER A. DENARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 DANIELLE BOYLE-EBERSOLE, ESQUIRE, ATTORNEY I.D. NO. 81747 LAUREN R. TABAS, ESQ., ATTORNEY I.D. NO. 93337 ILANA ZION, ESQ., ATTORNEY I.D. NO. 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-30626 Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2006-10 PLAINTIFF VS. COURT OF COMMON PLEAS CUMBERLAND COUNTY , G y C ?cu-- NO: 0,7 Gloria Popp 63 West Main Street Newville, PA 17241 Howard W. Foultz 63 West Main Street Newville, PA 17241 DEFENDANT(S) COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2006-10, the address of which is,7255 Baymeadows Way, Jacksonville, Florida 32256, brings this action of mortgage foreclosure upon the following cause of action: 1. (a) Parties to Mortgage: Mortgagee: Washington Mutual Bank Mortgagor(s): Gloria Popp and Howard W. Foultz (b) Date of Mortgage: September 21, 2006 (c) Place and Date of Record of Mortgage: Recorder of Deeds Cumberland County Mortgage Book 1974 Page 5021 Date: December 4, 2006 The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. No. 1019(g). A true and correct copy of the Mortgage is attached hereto and marked as Exhibit "A" and incorporated herein by reference. (d) Assignments: Assignor: Washington Mutual Bank Assignee: Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2006-10 Date of Assignment: As Recorded Recording Date: As Recorded 2. Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the legal successor in interest to the original Mortgagee, or is the present holder of the mortgage by virtue of the above-described Assignment(s). 3. The real property which is subject to the Mortgage is generally known as 63 West Main Street, Newville, Pa 17241 and is more specifically described as attached as part of Exhibit "A": 4. The name and mailing address of each Defendant is: Gloria Popp, 63 West Main Street, Newville, PA 17241; Howard W. Foultz, 63 West Main Street, Newville, PA 17241 5. The interest of each individual Defendant is as Mortgagor, Real Owner, or both. 6. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, are due as of July 1, 2007 and have not been paid, and upon failure to make such payments when due, the whole of the principal, together with charges specifically itemized below are immediately due and payable. 7. The following amounts are due as of November 16, 2007: Principal of Mortgage debt due and unpaid Interest currently due and owing at 7.875% per annum calculated from June 1, 2007 at $22.66 each day Late Charge of $45.94 per month assessed on the 16th of each month from July 16, 2007 to November 16, 2007, (5 Months) Escrow Advances made by Plaintiff Accrued Late Charges Property Inspection Title Search/Report Fees Attorneys' Fees and Costs TOTAL $105,005.01 $3,829.54 $229.70 $286.54 $89.73 $8.90 $250.00 $5,000.00 $114,699.42 8. Interest accrues at a per diem rate of 22.66 each day after November 16, 2007, that the debt remains unpaid, and Plaintiff may incur additional attorneys' fees, as well as other expenses, costs and charges collectible under the Mortgage. 9. The attorneys' fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriffs sale. If the Mortgage is reinstated prior to the sale, reasonable attorneys' fees will be charged based on work actually performed. 10. Notice pursuant to the Homeowners' Emergency Mortgage Assistance Act of 1983, 35 P.S. § 1680.402c, et sM., was sent to each individual Mortgagor at their mailing address and/or the mortgaged property address by first-class mail and certified mail. Pursuant to the act of December 21, 1998 (P.L. 1248, No. 160) (Act 160), this Notice contains the information required by the act of March 14, 1978 (P.L. 11, No. 6), 41 P.S. Section 403 et seq., and separate Notice of Intention to Foreclose is not required. Copies of the Notice are attached hereto as Exhibit "B" WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in favor of Plaintiff and against Defendants, jointly and severally, in the amount set forth in paragraphs 7 and 8, together with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Mortgage and for the foreclosure and sale of the mortgaged premises. SHAPIRO & KREISMAN, LLC Date: a 0? BY: 6?? Attorneys for Plaintiff S & K File No. 07-30626 ?::r??.1 ^. ZiE3LE4 a1ania Cki?ah 20G? 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ARM" .1IpIIIIpIpIp RHO CRU4 on%, As q%4M41..I two-IN rnwxx 141 OK 1974PG5035 0" f"Y *wow .Yww ao?woMws?taratsieas?e?a?a?. Cerp? ??,?? Olakdo 21 60.4 , 14 ?, ) r U eM rnr.& ? w to da wsja tr d. O?w1u ms.a. Qf ?1Rllee F,f I?s..o?! ? Yw? w1 ?bOeeeYle?yU.c dpi ?r ?QQ'?? ?OoirnMon??DIR. ? tu..?aew M a.oded.a PC. A '"-'?'?F dolM?bletb?w so enr 660ft •nw ah*mwd Mw9iwe i I by &F a129?0ra OK ! 974PC5036 . United General Title Insumr4e Company Commitment Nurnboc PFMO64M SCHEDULE C PROPIIRTY DUMI TION The land referred to in this Commitment Is described as follows: ALL that certain piece, parcel or tot of land with the Inmptovoments thereon erected situate in the North Ward of the borough of Newvgte, County of Cumberland and Commorrwreatth of Pannsyfvania, more part;a}lartyr bounded and described as follows, to wit BOUNDED on the South by West Main Street, bounded on the West by lot now or fomrerly of the Estate of E. W. Shullenberger, bounded on the North by Cove Aaey, and bounded on the East by ire fomrotty of Aaron Burkholder, now or fomrery of Fred Clark, SAID lot contains Thirty-nine (39) feet in from on Main Street and Is One Hundred EW ty 4160) feet in depth to acid Ailey in the rear, be the same more or lase BEING improved with a two and one-half story frame and brick dwelling house known as and numbered 63 and 65 West Main Street. BEING the same premises which Leroy C, Cohick, Adminietrator of the Estate of Jane F. Cohlcc, late, by deed dated May 4, IM and recorded May 7, IM In Cumberland Courrty in Deed gook 025, Pape 287, granted and conveyed unto Fred A. Gordon and Mary L. Gordon, husband and wife, and Nora E. Seibert. The MA Nora E Seibert died on December 12,1078, at which oasa an exoatorlexotr* will be appointed to act on her behaH at close, thereby vesting fee ainVW title unto Fred A, Gordon and Mary L Gordon, KNOWN as Tax Parcel No, 27-MI754-040 I Certify this to be recorded . in C=berlaud County P l1lTACommltment itct order of Deeds scwuw C 1PfAA06CLLSA9 PFDfPPM060060ti?61 SKI974PG5037 Washington Mutual PO Box 44118 Jacksonville, FL 32231-4118 September 14, 2007 GLORIA POPP 63 W MAIN ST NEWVILLE PA 17241 BAI?I?I?IIIIININN?III?NN? 0729509059 7100 4047 =100 4=24 384= 001273 /PC WE ARE A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICE OF COLLECTION ACTIVITY RE: ACCOUNT # 0729509059 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official no i e that be mortgage on mortgage on home is in defaul and the -lendrr intend o foreclQse cIlef information-about of the defy alt 1 provided to the attached n?g?, the HOMEOWNER'S MORTGAGE ASSISTANCE.-PROGRAM (II MAP)may be able to help to sayt_y ? This Notice exolam5 how the rr gram works. To see if HE MAP an help vo u m 1s M ET WITH A ONS JA?FR R DIT O INS TIN 1 AGENCA WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with yoL vrhgn you meat with the ^-t -sr'in - g?genc_.v- The name address and phone n lmher of Consumer Credit Counseling A en i s s n;„ g???_g you_, r?n„y are listen ? the Pnd of this No i p If you have ally _ques igm you mav_ ail the Pennaylvani_sinng Finance Aggncy_toll free at 1-8 'l- 42-2')97 (Persons with hearing can call (?) 780.1869). 11 itIIA31i?d This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you rind a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. ,,, -cl f ( -I -P, A#. v:1 HOMEOWNER'S NAME(S): Gloria Popp PROPERTY ADDRESS: 63 W. Main St. Newville PA 17241 LOAN ACCT. NUMBER: 0729509059 ORIGINAL LENDER: Lbm CURRENT LENDER/SERVICER: Washington Mutual Bank HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH AN AVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS, IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL. IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FOR- OSUR - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MIST o('('[iR WITHIN THEN XT I DAYS tF rD O NOT APPLY FOR M RG .N(`Y MORTGAGE ASSISTANCE. y0 b JST BRING. YOUR MORTGAGE. Ill! TO DATE .n PART QF THIS NOTICE CALLED "HOW TO CURE YOUR MORTC:AGE DEFAULT". EXPLAINS HOW TO BRING YOUR MORTGAGE UP T- O DATE CONSUMER CREDIT COUNSFi INCAGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The namec_ addr ss s ^nd tglephone number ofdesign itd consumer credit counseling gcnries for the county in which rhht roomy i located -rc forth at the. end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTCA F ASSISTAN F - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program, and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY, AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. A - +•N Y ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you, if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (if you have filed bankruptcy, you can still apply for Emergency Mortgage Assistance.) 001273/SP999 HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date) NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: 63 W. Main St. Newville PA 17241 IS SERIOUSLY IN DEFAULT BECAUSE: Non-payment A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly Installments: 07/01/2007 08/01/2007 $947.85 09/01/2007 $947.85 $947.85 Other charges (explain/itemize): Uncollected Late Charges Uncollected Fees: $1$8.61 Corporate advances $8.90 Less Credits $0.00 TOTAL AMOUNT PAST DUE: $0.0 $3034.06 6 B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Not applicable): HOW TO CURE THE D FA iI T - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $3034.06, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must made either b h cashier's chA check. or money order made payable nd nt o yam-- 1~ "rtifi Washington Mutual PO BOX 41275 Jacksonville, FL 32203 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Not applicable): IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to ex r sr its rights to a Plara h rliortgage dam„ This means that the entire outstanding balance of this debt will be considered due immediately, and you may lose the the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to for CkU anon your mortgaged property, !IF THE MORTGA F iC FC)R I nGFT iIP(lA* The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attonery's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. 1f you cure the default within he THIRTY (30) DAY period you will not b required to pay torn y' fees. OTHER LENDFR R MEDIA - The lender may also sue you personally for the upaid principal balance and all other sums due under the mortgage. SP999 4 RIGHT TO Ci1RF THE D FA li T PRIOR TO Sh RIFFS SALF - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you may still have the right to cure the de fault and prevent the sale at an brfor . the Sh riff Sale You may do so by Paving the total amo ant t . IL hen past d n y t p to one hour attorneys fees and octc connected - r any lateor Pr hargec th n d ?P raaa?nabl with h foreclosure sal-and the lender an any o h r costs ono d with the Sheri ^ 1 d by Performing any other reghirement? under tha mnrtvaM Curio r restore your mortgage to the same position as if you had never defaulted. g your default in the manner set forth in this notice will EARLIEST POS3IBi F SH RLFF'S SALE DATE - It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately 9 months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Washington Mutual Address: PO Box 44118 Jacksonville, FL 32231-4118 Phone Number: 1-888-852-1745 Fax Number: 1-904-281-3914 Contact Person: Collection Department Email Address: www.wamuhomeloan om EFFECTS OF SH RIFFS SA F• - You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may or A may not 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. 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 THE DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY ARE ATTACHED We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. SP999 Washington Mutual PO Box 44118 Jacksonville, FL 32231-4118 September 14, 2007 HOWARD W FOULTZ 63 W MAIN ST NEWVILLE PA 17241 0729509059 NNInImINNIIIIaINN?IiI?Nlll? ?100 404? 5100 4524 3852 001274 /PC WE ARE A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICE OF COLLECTION ACTIVITY RE: ACCOUNT # 0729509059 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE Tbis is an offs .ial nnlice that ttio ortgage on your home is in default and the fender intends to for close S pQ 1f1C information about the nature of the defy ,l 1 provided 1n the attached a es The HOM .OWN R'S MORT A rF ASSISTANCE PROD AM ( MAP )m3y be able to help to save your homg This Notice explains how thgprogram work To see if H .MAP an heln_ you must MEET WITH A CONS MER CREDIT CO NSELINCi ACFNCI WgTHTN N DAYS OF THE Q TF OF THIS NOTI Tak this Notice 't1 you when ou meet Y y __ _ with the CnunselingAgenw• The name add= and phone -r bet of Consumer Credit ro,mselig Agencies 5Cr ving your Crn,nry are listed yQu h n 1 at ,e end of mt No ti .' If 1 the P n lv 1 Housing-Finance n 11 free at 1-8QQ-342-2397 (Pasons with hearing can .a 1 717) 780-1869) i r This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. Si NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. SP999 S 49 HOMEOWNER'S NAME(S): Howard W. Foultz PROPERTY ADDRESS: 63 W. Main St. Newville PA 17241 LOAN ACCT. NUMBER: 0729509059 ORIGINAL LENDER: Lbm CURRENT LENDER/SERVICER: Washington Mutual Bank HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL A ISTAN E WHI H CAN SAVE YO IR HOME FROM FORECLOSURE AND HELP YO MAKE F T 1RE MORTGA PAYMENTS, IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL. • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FOR C .OSUR -Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEF.Tmtn rvtncm nrn? ?o unm.r¦.? m,.? _....._ .___ _ . _._ __ OF THIS NOTICE t et r >~ ,HOW TO CURE YO R MORTQArF DEFAULT" EXPLAIN HOW TO BRlnir YnttR ?IORTCArF UP TO DATE. CONSUMER CREDIT COIINSF ThIfl- AC At('iFS - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. telephone numbers of d cirnateI consumer credit co ?ncPling agenci c for h county in which ' the The n2 nes- addresses..qnj end of this NoticP ----"°?P?ty is located arG +P* forth at the It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORT A ASSISTAN - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program, and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY, AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you, if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have tiled bankruptcy, you can still apply for Emergency Mortgage Assistance.) • ` .j 0012741SP999 HOW TO CURE YOUR MORTGAGE DEFAULT (Brine it up to date) NATURE. OF TH D FA 1 T - The MORTGAGE debt held by the above lender on your property located at: 63 W. Main St. Newville PA 17241 IS SERIOUSLY IN DEFAULT BECAUSE: Non-payment A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly Installments: 07/01/2007 $947.85 08/01/2007 $947.85 09/01/2007 $947.85 Other charges (explain/itemize): Uncollected Late Charges $181.61 Uncollected Fees: Corporate advances $8.00 Less Credits $0.00 TOTAL AMOUNT PAST DUE: $0.06 $3034.06 13. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Not applicable): HOW TO R THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $3034.06, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payment must hc mad either by s h achi r c h k r ifi a check. or money order made payahle and sent to- Washington Mutual PO BOX 41275 Jacksonville, FL 32203 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Not applicable): IF YO t DO NOT CU tR TH DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to a rel r to th mor Yage debt. This means that the entire outstanding balance of this debt will be considered due immediately, and you may lose the the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to for loc Ron your mortgaged property. *IF THE MORTC.A IS FOR C SED UPON The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attonery's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the d fa u1 within he THIRTY (3) DAY period, yo LL will not be renUired to pap attorne 'cam OTHER t..ND R R M DI S - The lender may also sue you personally for the upaid principal balance and all other sums due under the mortgage. SP999 At "I RIGHT TO CIIR . TH D FA 1i T PRIOR TO SHFRIFF'S SAIY - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you may still have the right to cure the d -fa,ilt and prevent the sale it any time up to one hour before the Sheriffs Sale. You may do so by ^aying the, total amount h n past due. plus any late or other charges then due re Wnabl attorneys fees and costs connected y6th the foreclosure al and any o h r osts ono t d with the Sheriff's Sale ai r the lender and by performin g any other req nr m_ nts_under the mort ave Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SAILF DATE - It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately 9 months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Washington Mutual Address: PO Box 44118 Jacksonville, FL 32231-4118 Phone Number: 1-888-852-1745 Fax Number: 1-904-281-3914 Contact Person: Collection Department Email Address: www.wamuhomeloans com EFFECTS OF SHERIFF'S SAI F• - You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE _ You may or -X may not 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. • 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 THE DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY ARE ATTACHED We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. SP999 Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2006- 10 v. Gloria Popp and Howard W. Foultz VERIFICATION The undersigned is .A)? of Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2006-10 by Washington Mutual Bank as successor in interest to Long Beach Mortgage Company it s Attorney in fact and as such is familiar with the records of said corporation, and being authorized to make this verification on behalf of Plaintiff an officer of the corporation and being authorized to make this verification on behalf of Plaintiff, hereby verifies that the facts set forth in the foregoing Complaint are taken from records of the Mortgage held by Plaintiff in the ordinary course of business and that those facts are true and correct to the best of the knowledge, information and belief of the undersigned. I UNDERSTAND THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO THE PENALTIES OF PA.C.S. SECTION 4904 RELATING TO UNSWORN FALSIFICATION TO AUTHORITIES. Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2006- 10 by Washington Mutual Bank as successor in interest to Long Beach Mortgage Company it s Attorney in fact Date: 11. 1- Loan:0729509059 07-30626 Name: Laura Hescott Title: -AW Company: o?.t?? C7_ U - n •, }! ti v l .. ? CAS -? ? OkA SHERIFF'S RETURN - REGULAR CASE NO: 2007-06947 P J COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND DEUTSCHE BANK NATIONAL TRUST VS POPP GLORIA ET AL MICHAEL BARRICK , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon DnDD 0T.nV T A the DEFENDANT , at 1925:00 HOURS, on the 29th day of November-, 2007 at 65 WEST MAIN STREET NEWVILLE, PA 17241 by handing to a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge `?A Sworn and Subscibed to before me this of 18.00 11.52 .00 10.00 So Answers: R. Thomas Kline 12/04/2007 SHAPIRO By: day A. D. SHERIFF'S RETURN - REGULAR CASE NO: 2007-06947 P _ s COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND DEUTSCHE BANK NATIONAL TRUST VS POPP GLORIA ET AL MICHAEL BARRICK Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon V nTTT T'7 WnWAVn W the DEFENDANT , at 1925:00 HOURS, on the 29th day of November-, 2007 at 65 WEST MAIN STREET NEWVILLE, PA 17241 by handing to GLORIA POPP ADULT IN CHARGE a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing 6.00 Service .00 Affidavit .00 Surcharge 10.00 / N D .00 a Y`? 16.00 Sworn and Subscibed to before me this day of , So Answers: R. Thomas Kline 12/04/207 SHAPIRO By: A. D. SHERIFF'S RETURN - NOT FOUND CASE NO: 2007-06947 P CCIMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND DEUTSCHE BANK NATIONAL TRUST VS POPP GLORIA ET AL R. Thomas Kline Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT OCCUPANT but was unable to locate Him in his bailiwick. He therefore returns the COMPLAINT - MORT FORE , the within named DEFENDANT , OCCUPANT 65 WEST MAIN STREET NOT FOUND , as to NEWVILLE, PA 17241 THERE WERE NO OTHER OCCUPANTS. Sheriff's Costs: So answers- Docketing 6.00 Service .00 Not Found 5.00 R. Thomas Kline Surcharge 10.00 Sheriff of Cumberland County ?"1 .00 t, 21.00 r Sworn and Subscribed to before me this day of SHAPIRO & KREISMAN 12/04/2007 A. D. i SHAPIRO & KREISMAN, LLC BY: CHRISTOPHER A. DENARDO ATTORNEY I.D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-30626 Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2006-10 PLAINTIFF VS. Gloria Popp and Howard W. Foultz DEFENDANT(S) COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 07-CV-6947 PRAECIPE TO SETTLE, DISCONTINUE AND END TO THE PROTHONOTARY: Kindly mark the above-captioned matter SETTLED, DISCONTINUED AND ENDED, without prejudice. SHAPIRO & KREISMAN, LLC BY: Christopher A. DeNardo, Esquire Attorney for Plaintiff DATED: ?? CERTIFICATE OF SERVICE I, Christopher A. Denardo, hereby certify that on .1 ]')?O/ -0 I served a true and I/- t correct copy of the within Praecipe to Settle, Discontinue and End upon the following parties via first class mail, postage prepaid: Gloria Popp 63 West Main Street Newville, PA 17241 Howard W. Foultz 63 West Main Street Newville, PA 17241 SHAPIRO & KREISMAN, LLC BY: Christopher A. DeNardo Attorney for Plaintiff tJ c 0, t;o j r-n ^rj f